March 3, 2025 • 43 mins
Join us for an insightful episode that dives into the world of personal finance and empowerment with Kathy Cuevas, a seasoned financial coach dedicated to helping women take control of their finances. Kathy shares her inspiring journey from financial chaos to achieving financial freedom and stability, equipping listeners with actionable strategies to navigate their own financial paths.
We explore the transformative power of budgeting—referred to as a “spending plan”—and how shifting your mindset around money can lead to growth and peace of mind. Kathy’s unique coaching tactics are designed to help individuals assess their spending habits, develop effective budgets, and ultimately create a savings plan that aligns with their life goals.
Throughout the episode, Kathy shares real stories from clients who have seen dramatic improvements in their financial situations, proving that it's never too late to make positive changes. You’ll learn practical tools and techniques that can be easily integrated into your daily life, as well as the emotional and psychological aspects of financial wellness that are often overlooked.
Whether you’re just starting on your financial journey or need support in navigating your current struggles, this episode provides invaluable insights that can guide you toward a brighter, more secure financial future. Tune in to transform your relationship with money and embrace a proactive approach to financial management.
Ready to start your journey? Reach out to Kathy for coaching support and let’s get you on the path to financial freedom!
Brice Harney
Life On Record
Miles of Smiles Entertainment
Richmond Punch
TK Hair Salon
Ogden Ventures LLC
CEO of Ogden Ventures LLC
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Love & Light - Keep Hope Alive
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:03):
Hello and welcome to Keep Hope Alive podcast.
My name is Nadine.
Today we got a special guest.
I got Kathy Cuevas.
I hope I said it right.
Did I say it right?
Speaker 2 (00:16):
It's close, kathy Cuevas.
It was slaughtered when I was ateacher, so it's like Miss C
Miss.
Speaker 1 (00:22):
C is here in the house with us.
She is a financial coach.
She empowers women and we'regoing to dive into what she does
and how she helps us andeverything.
But first, before we getstarted, I got a quick question
for you.
Okay, so out of the past year,how many weddings have you been
(00:44):
to?
Okay, so out of the past year,how many weddings have you been
to the past year?
None, none, okay, well, let'ssay, you and I got invited to a
friend's wedding and we werewalking into the ceremony part
and to the right, there issomething that we need to sign
to let them know we were there.
What are we signing the guestbook?
(01:04):
Them know we were there?
What are we signing theguestbook?
Yay, okay.
Well, one of our biggestsponsors is Life on Record and
what they do, instead of havinga guestbook, they do a vintage
rotary phone, which is reallycool, so your guests can come up
, pick it up, leave a messageCongratulations on your big day,
or maybe it's a groomsmansaying it's about time you put a
ring on her finger.
(01:25):
Right next to that, they have aQR code that your guests can
scan and they can leave amessage on their mobile device,
either before or after or a weekafter, it doesn't matter of
their congratulations as well.
And what they do is they burnall these messages either on a
(01:46):
10-inch vinyl records or you canput a habit on a keepsake
speaker.
They're personalized and very,very cute.
I call it the gift of hearingvoices, and it's a great concept
.
So you get to keep the phonenumber, you got to return the
phone for one year, and theirplans start at $99.
(02:07):
Not only weddings.
This can go for family reunions, corporate events, high school
graduations, whatever collectsthat voice and that message.
Check them out atwwwlifeonrecordcom.
All right, well, kathy C gotyou down to the C.
How are you?
Speaker 2 (02:31):
I'm a female who's gone from the bad side of
finances to the fantastic sideof finances.
Speaker 1 (02:37):
That is amazing.
So let's see, take us throughthat journey.
How and when did you know thisis something you wanted to do
with your life?
Speaker 2 (03:04):
primarily women, but I just kind of just stumbled
into my lap.
And then my last 13 years ofteaching happened to be at a
high school where they asked meto teach personal finance, and I
just got really good at this.
And just before that, though,even on my personal education,
after my what would you call it,the dark hole, the abyss I was
in financially, just strugglingto get out, learning things
along the way, I now have asincere passion, especially for
(03:26):
women, to help them either avoidwhat I did by knowing what not
to like, the things I didn't doI should have, or how to help
them get out of it much quickerthan they would going through
the whole school of hard knockslike I did, or even, as maybe
more advanced topics, teachingthem how to pick the better we
do you call it like the fundsthey have a choice of through
(03:46):
their employer on the 401k planor 403B wherever they work at,
or SCP plan of theirself-employed entrepreneurs, to
just anything finances, justhelping them lead a better,
stronger life and having thefinancial dream future that
everybody deserves.
And loves?
Speaker 1 (04:03):
Yeah, definitely, because I know I want to make
more money and I should learnabout my finances and how to do
better.
I mean, I struggle at times,but I just made a big decision
in my life but it had to involvemoving and I wanted to get that
(04:23):
out of the way, because mygoals later are to start saving
up for my son's car.
My son wants to go to collegeoh you, he wants to play more
football.
So I'm trying to create thiswonderful life in good old
Oklahoma now and start preparingfor his future.
(04:46):
Maybe it's me taking a stepback, but I know I want to
travel more, so, but that's good.
So you're helping people, Iguess, with the lessons.
Are you doing them on Zoom?
Is that how you're doing them,or?
Speaker 2 (05:03):
Right now I'm focusing on private coaching,
one-on-one online, so it's justlike you and me and then I'm
also going to be having once Iget a couple of people in there
that are really eager to do itI'll start doing group, like
extra time, with whatevercoaching plan they choose.
But you know, you mentionedsomething it's not about wanting
to make more money.
It's really about how much yousave and how you spend what you
(05:27):
do spend.
It's not necessarily having tomake more money, because
somebody on a low income housecan do just as well as somebody
with a million dollars.
Obviously, they can't invest asmuch as them, but if they do
their finances right, withintime they could be like that
millionaire, which is exactlywhat I stumbled into without
even trying.
It just happened after mystruggle.
So your circumstances don'tdefine you.
(05:48):
You define you.
Speaker 1 (05:50):
Oh that's a good way to put it.
Yeah, I never really thought ofit like that, so you're
teaching me right now.
Speaker 2 (05:57):
Well, we all make mistakes, but your mistake does
not describe who you are.
Everyone is not perfect, but ifyou stay on track, then yes,
then you, you define who you are.
I'm going to be successful, I'mgoing to lose weight, I'm going
to do this, I'm going to dothat.
You decide that, but everybodyhas stumbling blocks in life.
That gets thrown your way inthe process.
Speaker 1 (06:18):
My goodness.
So like I'm already intrigued,like how many lessons or times
would I have talk to you likeout of this session?
Because I was like this is nota one time thing.
I would need to talk to youprobably 10 times to get on.
Speaker 2 (06:37):
Yeah, there's different plans I have, and it's
definitely every week in amonth.
So, whether you need a littlebit of help just to get in the
way, then you do fine.
Then you want to come backlater on and do the same little
help, or maybe do a longer help,or maybe you need you want to
take care of everything now.
Then I have up to a six monthplan.
It just depends on your needsand I would say in six months
that's a lot of time, but thenyou definitely tackle more than
(06:57):
one thing.
You would tackle managing yourmoney better and learning how to
save for your son's car or thisor that or a house, or you know
.
You'd learn all that and thenyou'd have this start to all of
it.
Then you could do it yourselfafter that If you continue on
the plan.
Speaker 1 (07:12):
That is really cool.
That is really really cool.
So what has been?
I don't, I don't.
How do I ask this?
What's the main struggle thatyou see with the clients?
That is a repetitive one.
Speaker 2 (07:31):
There's probably two major ones.
One you've heard the saying youget to the end of the month and
you don't know where your moneywent.
That's typically people thatcarry a lot of cash on
themselves and pay, you know, $5Starbucks, no-transcript, and
really just they don't track us.
They don't know where thatmoney went.
That's the hugest thing.
The second thing is people thatthey want to have the car.
(07:53):
Like you said, you want to saveup for a car, you want to save
for retirement, but you don'thave a set plan.
So that's where the budgetcomes in.
And when.
When I was teaching at schoolso cool.
You know kids don't like theword budget, but everybody loves
the word spending plan.
Is that?
Do you like to spend?
That's better.
Speaker 1 (08:13):
A budget is telling your money where you want to
spend it Got you we all love tospend you.
Speaker 2 (08:16):
Just it's the, it's your mindset.
You make it positive.
But to some people that wordbudget sounds like negative or
my God, it's like a punishment,like a weight loss, like a diet
or something.
But it's not.
You're physically telling yourmoney where to go and once you
get that mindset and you see howlike if you show your separate
savings accounts and I dospreadsheets for everything you
(08:39):
can see how compounded canexponentially grow and how quick
you can get to where you wantto go, especially now that it's
tax refund time.
Speaker 1 (08:43):
That's a big jumpstart to where you want to
go, especially now that it's taxrefund time.
Speaker 2 (08:45):
That's a big jumpstart to where you want to
be.
You see how quickly they willgrow.
Speaker 1 (08:51):
And because I know, like I was, like whenever I get
back for a tax refund and I madeit a Christmas gift for my son
I was like we're going to thebeach and now that we moved it's
a little bit different story.
But like you got me thinkingbecause the way I thought I
could save a little bit morewould be like, um, at Walmart
(09:15):
they have those little box withthe you know glass and it says
travel adventure fund and soI've thrown my change in there
in dollars and you know, untilwe get it gone up and up and
then we use it for the trip.
But sometimes I still want todive in there Like I need help
getting gas.
(09:35):
So it's not the best way and Iknow it's a mindset thing and I
see your face right now You'relike shame on you.
Speaker 2 (09:45):
No, I'm thinking I can help you with that.
First of all, you want yourmoney to make money for you.
You want it to work for youwhile you're sleeping, make
money.
And those little boxes atWalmart I haven't seen but
that's a gimmick.
How much interest are youmaking while it's sitting at
home in that box?
None.
How easy is it for you to getinto it if you want?
Oh, we're going to go out tolunch with the girls or
something, or my son needs thisfor football, right?
(10:07):
It's too easy.
So what I did every month I gotas a teacher, I got paid once a
month and it had to last for thewhole month, and part of my
plan was I had different savingscategories.
It's a spreadsheet I gave to myclients and I explained how to
fill that all out and everything.
And on the spreadsheet I had Xamount going toward, like a
percentage going towards myretirement account, a percentage
(10:30):
going towards my emergencyaccount, until that was fully
funded, which is, I recommend,six to nine months of your
living expenses.
Because we all know whathappened in COVID we were off
work more than six months,except for me.
But teachers, you knownecessities or whatever you want
to call them, but I saw thestruggle in my students'
families.
So you have your savings, yourretirement.
You have your savings Beyondthat.
(10:52):
You have, like, your trip fund.
I'm going to go to the beach,so you have a trip fund.
So every month you putsomething.
You dictate it because it'syour spending plan.
Do you want to put $50?
And what I did is I had it goup to an online account.
I use Ally and every and I hadseparate suffixes and Ally.
So this much money went into myemergency fund.
This much went into my carfuture car fund.
Even though I paid off my car,I need another car.
(11:15):
So it's just you just delegate.
You tell it where to go, whereyou're going to spend it, and
it's there for you and you getpaid interest every month while
you're doing it.
Speaker 1 (11:24):
I like that.
I'm going to have to look atthat and it's so funny because
my ex works for Ally.
Speaker 2 (11:30):
I've got another trick for you too.
Do you have time?
Yes, I do, yes, I do.
So you know about CDs, right?
Yeah, okay, there's banks, andmaybe not your own bank, but you
can go online and find who'spaying the highest, like by
bankratecom, look who's payingthe highest rates and cds.
And once you have in youremergency account, right, or
(11:53):
your car fund account, let's sayyou have two or three thousand
dollars in there and you're yougot a bigger goal right.
In january or whatever month,you put a thousand dollars into
a cd.
February, put a thousanddollars into another one.
March, thousand into a CD.
February, put $1,000 intoanother one.
March into a different one.
So if you do six-month CDs andyou get six months out, every
six months, you have $1,000 orwhatever come due.
(12:15):
So if you have an emergency,you can take it out without
penalty.
In the meantime all the rest ofthem are making their money.
But if you put all let's say,$5,000 or $6,000 into one CD and
you need some money, you got toclose the whole CD and you lose
all the interest.
There's a penalty of like amonth in the rears.
So that's why I say break it up.
(12:35):
That way you're stagnant If youdon't need it, then let it roll
over.
I set mine to automaticallyroll over and they send you
notice email like it's maturingin next week.
Then you can go back.
All I say pay it into mysavings account, pay it into
this account or let it roll over.
Speaker 1 (12:50):
So that is really good idea.
I like that All of them.
Speaker 2 (12:55):
That's what I do.
Speaker 1 (12:58):
Yeah, I remember and I still want to look into this
and I can't say the company name, but when I had my daughter
they were advertising like thistowards your kids college, and I
kept doing it.
But over time I stopped gettingmail and I was like where is
(13:19):
that money right now?
Like I have no idea.
I saw it was collecting, it wasin the hundreds, but it's like
the whole company disappeared.
So I don't know, Does that meaneverybody?
Speaker 2 (13:36):
loses their money.
If it was a legitimate bank orsomething, they should have been
FDIC insured or credit unionCUA insured, which means if they
went belly up you get all yourmoney back up to $250,000 per
account.
So you need to find out theorganization.
If they were insured by theFDIC Typical banks are FDIC.
(13:56):
If it wasn't, then you're in alot, but typically any.
I don't recommend anybody putmoney anywhere that's not
insured any.
Speaker 1 (14:06):
I don't recommend anybody put money anywhere it's
not insured.
Yeah, definitely, okay.
Well, that is another lessonlearned and everything.
So tell me about a time thatyou helped a client and they
just they took your advice andthey are just a positive blow of
light.
I'm using my hands.
Speaker 2 (14:29):
Well, a recent one, and this just goes to show if
you're just shown what to do,you've got the power to do it.
I volunteered for actually letme back up a little bit Last
October I went on a businessconference in Atlanta for
financial people this financialpeople conference and I happened
to bump into this woman, reallysweet woman, and told me about
(14:50):
this thing, about helping peoplebudgeting.
I thought I can do that and Ithink I'll volunteer like once
or twice.
Right, it was a 10 weekcommitment and once I said I'm
going to do it, I did it andactually I just finished a
couple of weeks ago.
This is an organization that'scalled Woman Money Matters and
they help people anywhere.
We did Zoom calls.
My girl lived in, I want to say,I think, georgia or someplace
(15:12):
actually I don't remember, butshe lived back East and I'm in
California and she had.
She was low income, she hadthree kids.
She wasn't married, the littleone, they were like one, three
and five all under five yearsold and she was struggling and
she didn't have a car and herfirst goal was to eventually get
a car and a house.
So she's on food stamp, she'sgetting some financial aid, she
does have a job.
She's trying to pick herself upand get off that and everything
(15:34):
else.
And I gave her my budget sheetthat I mentioned a little
earlier, had her fill it out.
She was going in the hole everymonth and I said and I told her
be careful.
I said, make sure you useaccurate what you really spend
on these things.
And I think she probablyintended to do it like she
thinks she spends, but she wasgoing in the hole.
I said at this rate you'regoing to be bankrupt within
three or four years.
I said let's look at each item.
(15:56):
So we spent our second meeting,or first meeting, second meeting
, going item by item and I saiddo you really spend $25 a month
on clothes on your kids?
The older one can pass to thenext one and so forth.
Now I know the baby, they growup fast and I know myself.
I had a lot of hand-me-downclothes from my mom was a
housekeeper and she worked forpeople who had kids around our
age.
So we got there which were niceclothes but they were like new
(16:18):
to us and it's like better wecould afford to buy.
So I told her about her numbersand by the end of the second
week or the third week, she wasnow saving $700 plus a month
Just for learning and being toldto see where she's putting her
money at it's.
You just have to see it infront of you and that's probably
(16:44):
the biggest.
She was like doing the freakinghappy dance and I helped her.
After that, I told her aboutdoing the online car fund, so
the money doesn't disappear intothe blanket, and we talked
about some people love the.
Have you heard about theenvelope system or the?
Speaker 1 (16:55):
Oh no, I mean I tried to envelope back in the day,
but I don't think it did muchfor me.
Speaker 2 (17:02):
Well, there's people that love it now and they have
my Amazon, they have Montemuno-transcript.
To me that's good if you'redisciplined and you don't live
in a crime rate where someone'sgoing to come in housebreaking
and steal your binder with yourmoney, and I believe in banking.
(17:23):
But as you get a paycheck, thatdisciplines you to know I need
to put this much and use it forcash.
And then we taught her how tobuild credit.
So she now knows when her scoregets up to a certain level,
then she's going to startapplying for real credit cards
not the secured ones and startto build a credit.
So when she does buy that car.
I told her about going to acredit union that if you have a
bad score like my daughter did,your rates way up here, after a
(17:46):
couple of months of makingpayments they drop your rate.
Couple of months they drop,drop your account.
And if you have the paymentscome out of your account, you're
never late, you just make surethe money's there.
So I taught her a lot of skillsshe needed for her future.
She's off to a fantastic start,so I'm really happy for her.
Speaker 1 (18:02):
That is so good.
That is so so good because I'veseen the whole thing with the
cars with me.
I just have bad luck with carsand this is the first year I had
to have a co-signer and I'mlike this stinks.
But I had hail, damage my tires.
It was an accident.
They were gone, the windshieldcracked and it was huge.
(18:23):
It wasn't going to passinspection and I was just like
you know, I tried to turn it inand they're like it's
undriveable, like this istotaled, and I was like, oh my
gosh, my baby, I love my Subaru.
I was like I don't want to seethis go.
But for the first time theywere like, well, you're upside
down, unfortunately, is whatthey told me.
(18:46):
So that's the first thing Iwant to do is fix that hole.
Now I know I used I had acoworker back in the day say, oh
, use Credit Karma, it will kindof give you that push also to
kind of look and see what yourscores are.
And I did and it wasmotivational.
I just got to get back to doingit and I was able to raise the
(19:10):
score up to get my apartment andeverything at the time.
So I was proud of myself.
It's just kind of getting backon that bandwagon of being in
that positive energy and movingforward and really it's a
mindset and what I liked aboutyour bio and reading stuff.
(19:31):
You call it a pathway and Iwant to get into that.
I'm going to do a quick littlecommercial.
How are we doing?
I am like here squinting.
I got new glasses.
I'm just not used to them, soall right.
So Snap Vans is one of oursponsors also and Snap Vans look
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(19:51):
I got my Pandora going over andthey have mantra words on each
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This one says hope.
Imagine that.
They come with mantra wordslike peace, love, fearlessness.
They also have faith now andjust a hint hint in their little
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(20:16):
keep hope alive and they do itall different colors.
Now the science behind snapbands is they have this elastic
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(20:39):
ptsd.
So it sends a signal to yourbrain to kind of take a deep
breath in, take a deep breathout, let it out.
This world has changed.
A lot of people are goingthrough this, whether we like it
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Now I know I have medical PTSDand I would like to thank my
(21:00):
doctor for that.
But I use mine because everytime I'm in the hospital they're
trying to find a vein and I'mthe hardest stick.
It could take six times, eighttimes a big ultrasound machine.
So I'm the hardest stick.
It could take six times, eighttimes big ultrasound machine.
So I'm constantly praying.
I hope I have faith.
I'm clicking this.
(21:21):
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You know the behavioral side ofit too, so, but I love
(21:41):
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I call it the business line andhe doesn't even know I do it.
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So check them out atsnapbandscom and that's spelled
(22:02):
S-N-A-P-P-B-A-N-D-Z.
All right, well, let's get backto what I was asking you this
pathway you create, I'm sointrigued with it because it's
like a roadmap to me.
It's like I want to see it.
I'm a visual person and I knowyou're probably like drawing it
(22:25):
out for your clients too.
I'm so happy talking to you,yeah.
Speaker 2 (22:31):
Good stock chart always goes up and up and I I'll
do a spreadsheet, so I'll do agraph and watch that graph grow
up and up of your savings andstuff.
But everybody's individual,everybody's path is different.
Everybody starts at a differentplace.
There's no one cookie cutterplace for everybody, so
everybody's got a customizedthing for them and their
personality type, whetherthey're a saver or they have to
(22:51):
have a little splurge.
Everybody's different so we tryto make it so that it fits them
, so that they don't getdepressed, sad, bummed out, fall
off the wagon and not want togo back on again.
Speaker 1 (23:02):
Yeah, yeah, and it's different, like I know.
I realized I'm proud of myself.
I realized one of the biggestissues I had with spending is I
love to go out sing karaoke andyou know I have enough money for
me.
What am I going to get?
I'm going to get a grilledcheese and a Coca-Cola.
(23:23):
I may have a glass of wine, Imay even do one shot or two, but
that was my budget for me andsometimes my friends.
I don't think I have enough.
And then I'm here going, gotyou, hello.
When I'm looking at that bell,how did I get them?
This is actually killing me andhurting me.
(23:47):
So let's limit time from doingkaraoke and going out with big
crowds.
I mean, maybe that was thething for me, but as far as
taking a look at who I am as aperson and what money weighs for
my path, that could be hard.
Like, do you do counseling?
Speaker 2 (24:12):
It's too hard for me to change.
Speaker 1 (24:13):
I don't know that it's counseling.
Speaker 2 (24:13):
It's too hard for me to change.
I don't know that.
It's counseling, it's moreencouragement.
I will text you in betweenvisits to make sure you're on
track.
So that's the whole thing ishaving an accountability partner
.
It's kind of like somebody onAA or something you know.
Yeah, Especially if you're newoff the wagon.
I don't know how many relapsesyou have.
My husband, for example.
He's been sober for almost 20or over 20 years now that he
(24:36):
told me like he'll go sober twodays, fall off the wagon, one
day fall off the wagon.
It happens until you get enough, till your desire is strong
enough in you that, hey, I'mgoing to do this because I'm
sick and tired of this life, orI'm sick and tired of doing this
.
It doesn't have to be a rockbottom.
When you just get so fed up ofsomething you want something
different.
That's when your mindset willhelp you more and the
(24:59):
encouragement helps you.
If you screw up, hey, you knowwhat.
It's okay, Everybody messes up,but let's do this instead this
week, you know, or try this thisweek.
Speaker 1 (25:09):
Yeah, and reverse psychology.
When I was married, I remembermy husband going you spend too
much, why'd you do this?
And then I was like that'swhere, why'd you do this?
Made me want to spend morebecause he was mad.
And I call it the reversepsychology part, like first
(25:37):
psychology part, like I justyeah, I guess I wasn't the one
in charge of it and I was soyoung when I was married, I was
like 22.
Like I was out free.
I'm newly married.
You know we had a kiddotogether so we had to buy
clothes and toys and baby food.
You know I wanted to give mydaughter the best life, you know
, so those things.
But then I learned from thatand it was a hard lesson after
(25:59):
the divorce came.
That's how.
Speaker 2 (26:01):
I learned my financials.
Her half of it was exact samereason.
She spent too much and neversaved.
He was a saver, she wasn't.
He had his own issues.
He was like a narcissist.
But he had his own issues.
He was like a narcissist, butjust the guilt.
I guess in your field I know howthe weight of the debt I had on
me $7,000 credit card debt wasalmost half of what I made back
(26:24):
when I fell into this hole andthat seems you might as well
just make it a million dollars.
There's no way I'm going to payoff half my salary in any
length of time.
But it didn't happen.
It happened by having to buy mykids clothes, but not in Billy
Me.
I was frugal, I wasn't like abunch of clothes.
I never overdid anything, whichI was lucky for.
That is just the circumstancesin my income I had as a
(26:45):
beginning teacher.
It was like 13 or $14,000 ayear.
You can't live on that.
It was difficult.
I know how to get out ofdifficult because I've been
there, done that to.
You know, in the end I wassaving 50 to 60 percent of my
income right before I retired soI could have this vacation when
I want that vacation, when Iwant to spend the globe
everywhere every month, gosomewhere, type of thing.
But you have to work for it andyou have to see it in front of
(27:08):
you.
Look, look how much I have nowand right now I save.
I don't know if you want totell me I save a thousand
dollars a month towardsvacations, so it gives me 12,000
a year.
That buys a couple of reallynice two or three week guided
tours, plus the little ones likeI'm in California.
So the hour drive to PalmSprings and stay in a timeshare
(27:28):
that's cheap, you know, and youknow it has the kitchen.
So we don't buy out everysingle meal.
And trip to San Diego across toRosarito, mexico, cause it's
like a three hour drive, maybe,if that, not even that tacos for
a dollar, I mean, it's those.
Those are cheap vacations thatare fun.
They're still getting away.
They're just not the twoextravagant ones I take a year
(27:50):
or the nicer ones I take.
We have to go business classbecause it's such a long flight.
My back would die in the coachseat.
Speaker 1 (27:57):
I've never been in the business class side of a
plane.
I remember taking a plane ridehome from California and that
ride was so cold and the seatswere too squished in and I was
so grateful because the personthat was sitting next to me was
(28:20):
the airline flight attendant.
He was just traveling that dayand he is like got this blanket
from Fiji and I'm going to letyou have it.
And I was like, not like, keepit, keep it.
But he just gave it to me so Icould keep warm.
But it's those little thingscut into corners too.
My gosh.
(28:40):
I was going to mention Ilearned my lesson also with food
, starbucks.
I was just so addicted and itwas like working at the mall, I
wanted to go and get a coffee,go get a coffee, go get a coffee
.
And then I said I'm not goingto do this for one month and I
was like let's see how muchmoney I saved.
(29:02):
And I was like, wow, I can gobuy a new outfit.
Speaker 2 (29:08):
Exactly Cause when you see it in that little tiny
box from Walmart or something,you see, oh my God, I didn't
realize it was that much.
It's only $5 here or five, butyou don't realize how much it is
times 20.
And I'm going by five weeks andfour weeks a month.
You know that's a lot of money.
Speaker 1 (29:22):
Exactly, exactly, and you've got to be cautious.
It's so um.
So, as far as people coming toum get your services, how would
they find you and go aboutreaching out to you?
Speaker 2 (29:35):
I have a website, I have email, I'm on LinkedIn, I'm
doing YouTube shorts, butprobably the most direct way
would be to probably email me orgo to my website, which also
has a contact me direct.
Emails me directly.
Speaker 1 (29:49):
Good, good, good.
That's good to find and I knowI'm going to be putting your
stuff and information up on, ofcourse, facebook and YouTube.
That will be LinkedIn andeverything, and it's good that
you're doing shorts.
I love shorts now making it inYouTube, but like sending it
(30:11):
into the world of Facebook,because you do get hit more with
the shorts and stuff.
So yeah, so I catch myselfalways watching reels on
Facebook.
Now it used to be TikTok and Ilove TikTok, but now it's like
nope, facebook.
So, but definitely any adviceyou would give any of the
(30:34):
listeners listening today.
Speaker 2 (30:36):
Well, I don't know how fast you said I know like
tonight or something, I wouldget copies.
But if they're like in themiddle of something right now,
usually urgency is the best timeto reach somebody, because then
they put it off and forget it.
So if you look right herebehind me, right here, this is
my business Financial FreedomPathway, so it's really easy.
My email is ffpathway at Gmail,so that's very easy to get hold
(30:59):
of me and that's FF Pathway.
Gotcha?
Yes, financial Freedom, and Iwill direct.
I'll put you on your path toyour financial freedom, so
that's the best way to contactme right now.
Speaker 1 (31:11):
That is so cool.
I love it.
And then I know, um youmentioned earlier, you have a QR
code too, and I will attachthat as well, so people can just
scan that QR code as well.
Speaker 2 (31:24):
I don't have one yet.
I have to make one.
I don't have yet, but I wasgoing to have one with all my
patients, so it's it's just, Ihave them for some things, but
not everything.
So email us for the website.
Speaker 1 (31:34):
Because the way I work is you can come back and go
, Nadine, I got ABCD and I'mgoing to plug it in there and
it's going to go into yourportfolio and be accessible for
anybody to find you andeverything.
So I want to say thank you toyou.
I think we covered everything.
Was there anything I wasmissing?
Speaker 2 (31:54):
Just don't be a procrastinator.
I mean if you are waiting tolose weight, well, I'll do it
next week or tomorrow.
Tomorrow never comes, so don'tprocrastinate.
If you need help, even a littlehelp, I do offer a free
30-minute consultation.
If anything, I can help steeryou a little bit, but then after
that it depends on how muchtime you think you'll need to be
(32:16):
able to go out of my plans andthen do the group chats and
stuff.
So it's, it's just time.
Just don't put it.
Even going to the dentist.
If you and you have a cavity,the longer you wait that's going
to be a root canal pretty soon,not just a cavity, so finances
anything.
The longer you wait, the worseit gets.
So just contact me sooner thanlater.
Speaker 1 (32:37):
Exactly Like I was thinking.
You got me thinking aboutsomething you said earlier in
the show.
I'm a bariatric patient, sowhen I had to go before I got
the gastric sleeve.
You're on a diet Like you arewatching everything you put in
your.
You're down to water and maybesome premier shakes and a
(32:59):
premier granola bar and thenbroth maybe or jello.
But you're saving money thereand you trained your stomach to
stop spending all this money forfast food and restaurants and
stuff.
Yes, it's a little pricey toget that stuff and you might get
a little bit hungrier becauseyou're eating less, but your
(33:19):
body got trained.
But if we can put that mindsetfor doing the diet, we can put
that mindset into how to savethe money.
Speaker 2 (33:29):
Yeah.
Speaker 1 (33:29):
Definitely.
Speaker 2 (33:31):
Yeah, the money.
Yeah, definitely.
Yeah, it's just financial.
Freedom is so relieving to knowyou can do yourself out of
whatever like in today.
Truthfully, today I thinkthere's 80 of people that could
not replace a water heaterwithout going into credit card
debt.
We're talking 500.
They don't even have 500 toreplace a simple water heater
(33:53):
and I've had one rupture beforeand I used it.
Was a great teaching lesson inmy class.
I said you know, I was a singlefemale at the time.
I said I came home from schoolone day I saw water coming out
of my garage.
I couldn't figure there's nohose been there.
So what was coming from?
And it was my water heater hadcaused a leak up top.
Now to buy a new one.
So within three hours back thenit was penny saver.
(34:14):
So I went to the penny saver.
I called a bunch of peopleright now be the internet or
local, you know Facebook orCraigslist and I found a local
plumber.
I called them all and got alltheir prices and I called the
one back that was leastexpensive and I said I'm
ordering a, a water heater,cause I don't have no way to
transport it at home Depot.
I'm going to put your namethere, you pick it up, you bring
it here and I pay you for yourlabor.
(34:34):
And that's I did it.
Within three hours had a newwater heater installed, and that
was it.
So I said, if you are having ahouse by yourself and you're a
female, you need to know how todo things, cause don't sit there
, give me the tissue, it's notgoing to get anything done.
Speaker 1 (34:51):
No, pity parties.
I'm moving and I have a couchthat's 400 pounds and I'm like
no, no, no, no, no.
And my friend who helped memove last time he's like I'm not
touching that couch and I waslike so I'm trying to get all
the prices and who has the bestand what makes sense.
And as I analyze movers rightnow, that is something I'm
(35:16):
taking in and I'm looking at myexpenses and I was thinking
about this earlier.
I need a checklist ofeverything I need to do and
little by little, like I'mwriting on paper, this done and
it's so funny because I have apile over there.
Okay, this is for school, thisis for healthcare, I need to do
ABC, so I'm organized, and stufflike that.
Speaker 2 (35:33):
But movers are governed by.
They're regulated by how muchthey can charge per hour.
So what I would recommend if,if you've got insurance on your
stuff is higher day labors atthe home Depot or lowest parking
lot and they will be yourcheaper, harder workers to get
something heavy into it.
And then if you're not moving,you know if you are moving far
(35:55):
then at the other end, find themat the other end and have them
help you get it off the truckand in the house.
That's your cheap.
Speaker 1 (36:02):
That is cheaper.
I got quoted a mover $3,000just to move me and I was like
and that wasn't the cost of thetruck or the gas, that was just
him, four guys.
And I was like, nope, I'drather hurt my back.
How far is the move?
Three and a half hours, ohthat's a little bit.
Speaker 2 (36:25):
I moved across to Florida before and it seems like
it was about that, but we'retalking 30 years ago.
You have to call around are ifit's a licensed company like
allied or something like that,they're regulated, how much they
can charge per hour.
But then it's the other littlefee, the box fee and the packing
fee, and so to pack it yourselffirst of all, um, quick tips.
I used, you know, colored paper, like eight and a half by
(36:47):
eleven color paper.
I would.
I would call it like bedroom,bedroom on multiple in large
print bedroom all the way downand then, when I get to my other
end, I'd put that color bedroomon a door.
So they knew that box goes inthat room and it made it much,
much faster for them to putthings back in the house and the
rooms.
You need them to go.
Speaker 1 (37:05):
Yeah, yeah, I just I, yeah, I like that.
I heard somebody else doingthat too and it was very easy
and easy to do that move andeverything.
Because I'm more like analyzethis, this, this, do I really
need this?
What can I sell?
Like, for me, it's just likewhat can I make money from?
(37:26):
I'm not using a jogger or babystroller anymore.
I'm going to be selling avanity.
I'm going to be doing this.
I'm not using baby props for myphotography company.
Let's sell it.
Maternity dresses, all thebaby's clothes and everything.
Speaker 2 (37:41):
So it's just those little things you know that's
like a lot of those things youmentioned are all moneymakers.
You just can't.
You got to set a fair price,but not a bargain.
I'm going to take it off yourhands for you.
Then they're going to turn andresell it.
Speaker 1 (37:56):
Yeah, they, they will .
I know what I put out for allthat stuff and I expect the same
because, if not, I'm going tojust hold on to it because I
know it's value and worth it,because this is good stuff.
So I've had stuff I try to sellfor like a year before.
Speaker 2 (38:12):
I've done it on Facebook marketplace and on
Craigslist those are if you gota really good description of it
and really good pictures andmultiple views.
I've sold a lot of stuff prettyquick on there, like right now
I've got a whole client set forsale and it was going to be sold
twice but something happened tocancer, this and that, that I
still have it sitting outsideunder a tarp.
But I have like a refrigerator,a washer and not a refrigerator
(38:34):
a stove, a microwave and adishwasher and there's still
space in my yard but they'regoing to take up space because
I'm not going to give them awayand I'm asking $675 for all
those appliances and they allwork good.
Speaker 1 (38:47):
See that and that's all doable.
So yeah, I know how it is andthe selling part and it's so
funny.
I have it all for sale but it'sin Texas and I'm not there to
sell it, so I'm trying to get mymom to help me, like.
But we'll see how that worksout.
But I want to say really quickthank you so much for coming on
(39:07):
to Keep Up Alive and I wouldlove to bring you back within
this year and see howeverything's going with your
company and what your goals havebeen in 25 going into 26.
But thank you, thank you andlisteners, wherever you find
your podcast you'll be able tofind Keep Hope Alive.
(39:29):
You can visit us atwwwkeephopelivepodcastcom.
We do have a segment on thewebsite.
It's leave a message.
So you can leave a message forKathy or myself and I will get
that sent to her too and we cancome back and do a quick little
review on those questions andstuff and like that.
But thank you so much.
Speaker 2 (39:52):
Hopefully I gave you some tips that you can start
calling off from from now.
Yeah, oh yeah.
Speaker 1 (39:56):
Yeah, I think the listeners are going to love this
show because you had a lot ofgreat advice and I know I'm
going to be straightening myselfup and I'm going to be actually
contacting you in a little bit,once I get settled here,
because I want to go on apathway journey of doing it
right and making it right.
Speaker 2 (40:17):
So I will encourage you along the way and you would
really, I think you would gofarther, faster if you hired me,
because I've got, I have apassion.
I'm not doing it for money,because I'm retired, I don't
need the money.
I'm doing it for my passion tohelp people, because I know what
I went through and it was astruggle and I know what a
relief it is to know, hey, I canhave my you know safer car,
safer my college, safer this,and and be at peace with it.
(40:38):
You know it's.
It gives you comfort and I justwant to comfort people not
going through hell.
I went through so many times.
Speaker 1 (40:47):
Oh yeah, I've been going through that hell myself a
lot and I need to climb out ofit, so but yeah.
Speaker 2 (40:57):
I went through three divorces by the time I was 40.
Speaker 1 (41:02):
Oh wow, 40 by.
Yeah, I had three for me too.
I you know that's somethingpeople like.
When I talk about three,they're like but why?
I was like?
It's nothing that I did, Iswear, and it just wasn't right.
Speaker 2 (41:18):
Well, the first one, we were married like 12 years,
my first one, so it was, it wasa brain tumor with that one.
The next one, um, it was well.
The next two were on therebound.
You know cause I wanted, Ididn't want my girls to not have
a father.
My mother divorced when I wasfive and I never had a man in my
(41:39):
life since then.
So I know as an adult and Iknow what I missed and there's
things that I know now I leantowards and gravitate towards.
So I quickly wanted a man in mylife so my girls would have a
father figure, knowing theirfather was going to die.
He was a ticking time bomb withthis brain tumor he had.
So that was.
It was hard and and my, I guessmy reasons were right, but the
timing I didn't go through.
There was a class I wentthrough called divorce care.
It was through my church andthat was the biggest winner.
(42:01):
My first divorce caused theother two because of baggage I
had never let go see that, yeah,I love the church I was going
through in Texas they had adivorce care group and they had
a singles group.
Speaker 1 (42:16):
I was about to join that and everything.
And now it's like I'm finding anew church home here in
Oklahoma to see where to go andstuff.
So that's going to be a funjourney.
Speaker 2 (42:29):
Well, just find one that actually teaches the Bible,
doesn't sugarcoat it anddoesn't do what everybody else
likes to hear.
But what's the truth, what youneed to hear, and then you'd be
fine.
I wouldn't recommend thecalvary chapel if there's any of
those near you.
But, um, just ask around, askpeople, but it depends on what
they want.
You know they could be.
I'm going to go to church, hearthe good news, go back home and
(42:49):
go my merry way.
Then hearing just the good newsis not going to help.
It's being made you accountable.
Are you accountable?
Doing what you know you'resupposed to do, or not do, or
whatever?
Speaker 1 (42:58):
Exactly, exactly.
So I know there's one thatwe're going to because my son
loves it, my stepmom goes thereand, yeah, I'm going to just try
it out, see how I like it, butI know I want to go inquire and
he's always in Sunday school, so, but anyways, I want to say
(43:20):
thank you so much for coming on,guys.
I will see you next time.
Love and light, have a greatweek until next time.
Bye-bye, bye-bye, nice meetingyou.
Hello and welcome to Keep Hope Alive podcast.
My name is Nadine.
Today we got a special guest.
I got Kathy Cuevas.
I hope I said it right.
Did I say it right?
Speaker 2 (00:16):
It's close, kathy Cuevas.
It was slaughtered when I was ateacher, so it's like Miss C
Miss.
Speaker 1 (00:22):
C is here in the house with us.
She is a financial coach.
She empowers women and we'regoing to dive into what she does
and how she helps us andeverything.
But first, before we getstarted, I got a quick question
for you.
Okay, so out of the past year,how many weddings have you been
(00:44):
to?
Okay, so out of the past year,how many weddings have you been
to the past year?
None, none, okay, well, let'ssay, you and I got invited to a
friend's wedding and we werewalking into the ceremony part
and to the right, there issomething that we need to sign
to let them know we were there.
What are we signing the guestbook?
(01:04):
Them know we were there?
What are we signing theguestbook?
Yay, okay.
Well, one of our biggestsponsors is Life on Record and
what they do, instead of havinga guestbook, they do a vintage
rotary phone, which is reallycool, so your guests can come up
, pick it up, leave a messageCongratulations on your big day,
or maybe it's a groomsmansaying it's about time you put a
ring on her finger.
(01:25):
Right next to that, they have aQR code that your guests can
scan and they can leave amessage on their mobile device,
either before or after or a weekafter, it doesn't matter of
their congratulations as well.
And what they do is they burnall these messages either on a
(01:46):
10-inch vinyl records or you canput a habit on a keepsake
speaker.
They're personalized and very,very cute.
I call it the gift of hearingvoices, and it's a great concept
.
So you get to keep the phonenumber, you got to return the
phone for one year, and theirplans start at $99.
(02:07):
Not only weddings.
This can go for family reunions, corporate events, high school
graduations, whatever collectsthat voice and that message.
Check them out atwwwlifeonrecordcom.
All right, well, kathy C gotyou down to the C.
How are you?
Speaker 2 (02:31):
I'm a female who's gone from the bad side of
finances to the fantastic sideof finances.
Speaker 1 (02:37):
That is amazing.
So let's see, take us throughthat journey.
How and when did you know thisis something you wanted to do
with your life?
Speaker 2 (03:04):
primarily women, but I just kind of just stumbled
into my lap.
And then my last 13 years ofteaching happened to be at a
high school where they asked meto teach personal finance, and I
just got really good at this.
And just before that, though,even on my personal education,
after my what would you call it,the dark hole, the abyss I was
in financially, just strugglingto get out, learning things
along the way, I now have asincere passion, especially for
(03:26):
women, to help them either avoidwhat I did by knowing what not
to like, the things I didn't doI should have, or how to help
them get out of it much quickerthan they would going through
the whole school of hard knockslike I did, or even, as maybe
more advanced topics, teachingthem how to pick the better we
do you call it like the fundsthey have a choice of through
(03:46):
their employer on the 401k planor 403B wherever they work at,
or SCP plan of theirself-employed entrepreneurs, to
just anything finances, justhelping them lead a better,
stronger life and having thefinancial dream future that
everybody deserves.
And loves?
Speaker 1 (04:03):
Yeah, definitely, because I know I want to make
more money and I should learnabout my finances and how to do
better.
I mean, I struggle at times,but I just made a big decision
in my life but it had to involvemoving and I wanted to get that
(04:23):
out of the way, because mygoals later are to start saving
up for my son's car.
My son wants to go to collegeoh you, he wants to play more
football.
So I'm trying to create thiswonderful life in good old
Oklahoma now and start preparingfor his future.
(04:46):
Maybe it's me taking a stepback, but I know I want to
travel more, so, but that's good.
So you're helping people, Iguess, with the lessons.
Are you doing them on Zoom?
Is that how you're doing them,or?
Speaker 2 (05:03):
Right now I'm focusing on private coaching,
one-on-one online, so it's justlike you and me and then I'm
also going to be having once Iget a couple of people in there
that are really eager to do itI'll start doing group, like
extra time, with whatevercoaching plan they choose.
But you know, you mentionedsomething it's not about wanting
to make more money.
It's really about how much yousave and how you spend what you
(05:27):
do spend.
It's not necessarily having tomake more money, because
somebody on a low income housecan do just as well as somebody
with a million dollars.
Obviously, they can't invest asmuch as them, but if they do
their finances right, withintime they could be like that
millionaire, which is exactlywhat I stumbled into without
even trying.
It just happened after mystruggle.
So your circumstances don'tdefine you.
(05:48):
You define you.
Speaker 1 (05:50):
Oh that's a good way to put it.
Yeah, I never really thought ofit like that, so you're
teaching me right now.
Speaker 2 (05:57):
Well, we all make mistakes, but your mistake does
not describe who you are.
Everyone is not perfect, but ifyou stay on track, then yes,
then you, you define who you are.
I'm going to be successful, I'mgoing to lose weight, I'm going
to do this, I'm going to dothat.
You decide that, but everybodyhas stumbling blocks in life.
That gets thrown your way inthe process.
Speaker 1 (06:18):
My goodness.
So like I'm already intrigued,like how many lessons or times
would I have talk to you likeout of this session?
Because I was like this is nota one time thing.
I would need to talk to youprobably 10 times to get on.
Speaker 2 (06:37):
Yeah, there's different plans I have, and it's
definitely every week in amonth.
So, whether you need a littlebit of help just to get in the
way, then you do fine.
Then you want to come backlater on and do the same little
help, or maybe do a longer help,or maybe you need you want to
take care of everything now.
Then I have up to a six monthplan.
It just depends on your needsand I would say in six months
that's a lot of time, but thenyou definitely tackle more than
(06:57):
one thing.
You would tackle managing yourmoney better and learning how to
save for your son's car or thisor that or a house, or you know
.
You'd learn all that and thenyou'd have this start to all of
it.
Then you could do it yourselfafter that If you continue on
the plan.
Speaker 1 (07:12):
That is really cool.
That is really really cool.
So what has been?
I don't, I don't.
How do I ask this?
What's the main struggle thatyou see with the clients?
That is a repetitive one.
Speaker 2 (07:31):
There's probably two major ones.
One you've heard the saying youget to the end of the month and
you don't know where your moneywent.
That's typically people thatcarry a lot of cash on
themselves and pay, you know, $5Starbucks, no-transcript, and
really just they don't track us.
They don't know where thatmoney went.
That's the hugest thing.
The second thing is people thatthey want to have the car.
(07:53):
Like you said, you want to saveup for a car, you want to save
for retirement, but you don'thave a set plan.
So that's where the budgetcomes in.
And when.
When I was teaching at schoolso cool.
You know kids don't like theword budget, but everybody loves
the word spending plan.
Is that?
Do you like to spend?
That's better.
Speaker 1 (08:13):
A budget is telling your money where you want to
spend it Got you we all love tospend you.
Speaker 2 (08:16):
Just it's the, it's your mindset.
You make it positive.
But to some people that wordbudget sounds like negative or
my God, it's like a punishment,like a weight loss, like a diet
or something.
But it's not.
You're physically telling yourmoney where to go and once you
get that mindset and you see howlike if you show your separate
savings accounts and I dospreadsheets for everything you
(08:39):
can see how compounded canexponentially grow and how quick
you can get to where you wantto go, especially now that it's
tax refund time.
Speaker 1 (08:43):
That's a big jumpstart to where you want to
go, especially now that it's taxrefund time.
Speaker 2 (08:45):
That's a big jumpstart to where you want to
be.
You see how quickly they willgrow.
Speaker 1 (08:51):
And because I know, like I was, like whenever I get
back for a tax refund and I madeit a Christmas gift for my son
I was like we're going to thebeach and now that we moved it's
a little bit different story.
But like you got me thinkingbecause the way I thought I
could save a little bit morewould be like, um, at Walmart
(09:15):
they have those little box withthe you know glass and it says
travel adventure fund and soI've thrown my change in there
in dollars and you know, untilwe get it gone up and up and
then we use it for the trip.
But sometimes I still want todive in there Like I need help
getting gas.
(09:35):
So it's not the best way and Iknow it's a mindset thing and I
see your face right now You'relike shame on you.
Speaker 2 (09:45):
No, I'm thinking I can help you with that.
First of all, you want yourmoney to make money for you.
You want it to work for youwhile you're sleeping, make
money.
And those little boxes atWalmart I haven't seen but
that's a gimmick.
How much interest are youmaking while it's sitting at
home in that box?
None.
How easy is it for you to getinto it if you want?
Oh, we're going to go out tolunch with the girls or
something, or my son needs thisfor football, right?
(10:07):
It's too easy.
So what I did every month I gotas a teacher, I got paid once a
month and it had to last for thewhole month, and part of my
plan was I had different savingscategories.
It's a spreadsheet I gave to myclients and I explained how to
fill that all out and everything.
And on the spreadsheet I had Xamount going toward, like a
percentage going towards myretirement account, a percentage
(10:30):
going towards my emergencyaccount, until that was fully
funded, which is, I recommend,six to nine months of your
living expenses.
Because we all know whathappened in COVID we were off
work more than six months,except for me.
But teachers, you knownecessities or whatever you want
to call them, but I saw thestruggle in my students'
families.
So you have your savings, yourretirement.
You have your savings Beyondthat.
(10:52):
You have, like, your trip fund.
I'm going to go to the beach,so you have a trip fund.
So every month you putsomething.
You dictate it because it'syour spending plan.
Do you want to put $50?
And what I did is I had it goup to an online account.
I use Ally and every and I hadseparate suffixes and Ally.
So this much money went into myemergency fund.
This much went into my carfuture car fund.
Even though I paid off my car,I need another car.
(11:15):
So it's just you just delegate.
You tell it where to go, whereyou're going to spend it, and
it's there for you and you getpaid interest every month while
you're doing it.
Speaker 1 (11:24):
I like that.
I'm going to have to look atthat and it's so funny because
my ex works for Ally.
Speaker 2 (11:30):
I've got another trick for you too.
Do you have time?
Yes, I do, yes, I do.
So you know about CDs, right?
Yeah, okay, there's banks, andmaybe not your own bank, but you
can go online and find who'spaying the highest, like by
bankratecom, look who's payingthe highest rates and cds.
And once you have in youremergency account, right, or
(11:53):
your car fund account, let's sayyou have two or three thousand
dollars in there and you're yougot a bigger goal right.
In january or whatever month,you put a thousand dollars into
a cd.
February, put a thousanddollars into another one.
March, thousand into a CD.
February, put $1,000 intoanother one.
March into a different one.
So if you do six-month CDs andyou get six months out, every
six months, you have $1,000 orwhatever come due.
(12:15):
So if you have an emergency,you can take it out without
penalty.
In the meantime all the rest ofthem are making their money.
But if you put all let's say,$5,000 or $6,000 into one CD and
you need some money, you got toclose the whole CD and you lose
all the interest.
There's a penalty of like amonth in the rears.
So that's why I say break it up.
(12:35):
That way you're stagnant If youdon't need it, then let it roll
over.
I set mine to automaticallyroll over and they send you
notice email like it's maturingin next week.
Then you can go back.
All I say pay it into mysavings account, pay it into
this account or let it roll over.
Speaker 1 (12:50):
So that is really good idea.
I like that All of them.
Speaker 2 (12:55):
That's what I do.
Speaker 1 (12:58):
Yeah, I remember and I still want to look into this
and I can't say the company name, but when I had my daughter
they were advertising like thistowards your kids college, and I
kept doing it.
But over time I stopped gettingmail and I was like where is
(13:19):
that money right now?
Like I have no idea.
I saw it was collecting, it wasin the hundreds, but it's like
the whole company disappeared.
So I don't know, Does that meaneverybody?
Speaker 2 (13:36):
loses their money.
If it was a legitimate bank orsomething, they should have been
FDIC insured or credit unionCUA insured, which means if they
went belly up you get all yourmoney back up to $250,000 per
account.
So you need to find out theorganization.
If they were insured by theFDIC Typical banks are FDIC.
(13:56):
If it wasn't, then you're in alot, but typically any.
I don't recommend anybody putmoney anywhere that's not
insured any.
Speaker 1 (14:06):
I don't recommend anybody put money anywhere it's
not insured.
Yeah, definitely, okay.
Well, that is another lessonlearned and everything.
So tell me about a time thatyou helped a client and they
just they took your advice andthey are just a positive blow of
light.
I'm using my hands.
Speaker 2 (14:29):
Well, a recent one, and this just goes to show if
you're just shown what to do,you've got the power to do it.
I volunteered for actually letme back up a little bit Last
October I went on a businessconference in Atlanta for
financial people this financialpeople conference and I happened
to bump into this woman, reallysweet woman, and told me about
(14:50):
this thing, about helping peoplebudgeting.
I thought I can do that and Ithink I'll volunteer like once
or twice.
Right, it was a 10 weekcommitment and once I said I'm
going to do it, I did it andactually I just finished a
couple of weeks ago.
This is an organization that'scalled Woman Money Matters and
they help people anywhere.
We did Zoom calls.
My girl lived in, I want to say,I think, georgia or someplace
(15:12):
actually I don't remember, butshe lived back East and I'm in
California and she had.
She was low income, she hadthree kids.
She wasn't married, the littleone, they were like one, three
and five all under five yearsold and she was struggling and
she didn't have a car and herfirst goal was to eventually get
a car and a house.
So she's on food stamp, she'sgetting some financial aid, she
does have a job.
She's trying to pick herself upand get off that and everything
(15:34):
else.
And I gave her my budget sheetthat I mentioned a little
earlier, had her fill it out.
She was going in the hole everymonth and I said and I told her
be careful.
I said, make sure you useaccurate what you really spend
on these things.
And I think she probablyintended to do it like she
thinks she spends, but she wasgoing in the hole.
I said at this rate you'regoing to be bankrupt within
three or four years.
I said let's look at each item.
(15:56):
So we spent our second meeting,or first meeting, second meeting
, going item by item and I saiddo you really spend $25 a month
on clothes on your kids?
The older one can pass to thenext one and so forth.
Now I know the baby, they growup fast and I know myself.
I had a lot of hand-me-downclothes from my mom was a
housekeeper and she worked forpeople who had kids around our
age.
So we got there which were niceclothes but they were like new
(16:18):
to us and it's like better wecould afford to buy.
So I told her about her numbersand by the end of the second
week or the third week, she wasnow saving $700 plus a month
Just for learning and being toldto see where she's putting her
money at it's.
You just have to see it infront of you and that's probably
(16:44):
the biggest.
She was like doing the freakinghappy dance and I helped her.
After that, I told her aboutdoing the online car fund, so
the money doesn't disappear intothe blanket, and we talked
about some people love the.
Have you heard about theenvelope system or the?
Speaker 1 (16:55):
Oh no, I mean I tried to envelope back in the day,
but I don't think it did muchfor me.
Speaker 2 (17:02):
Well, there's people that love it now and they have
my Amazon, they have Montemuno-transcript.
To me that's good if you'redisciplined and you don't live
in a crime rate where someone'sgoing to come in housebreaking
and steal your binder with yourmoney, and I believe in banking.
(17:23):
But as you get a paycheck, thatdisciplines you to know I need
to put this much and use it forcash.
And then we taught her how tobuild credit.
So she now knows when her scoregets up to a certain level,
then she's going to startapplying for real credit cards
not the secured ones and startto build a credit.
So when she does buy that car.
I told her about going to acredit union that if you have a
bad score like my daughter did,your rates way up here, after a
(17:46):
couple of months of makingpayments they drop your rate.
Couple of months they drop,drop your account.
And if you have the paymentscome out of your account, you're
never late, you just make surethe money's there.
So I taught her a lot of skillsshe needed for her future.
She's off to a fantastic start,so I'm really happy for her.
Speaker 1 (18:02):
That is so good.
That is so so good because I'veseen the whole thing with the
cars with me.
I just have bad luck with carsand this is the first year I had
to have a co-signer and I'mlike this stinks.
But I had hail, damage my tires.
It was an accident.
They were gone, the windshieldcracked and it was huge.
(18:23):
It wasn't going to passinspection and I was just like
you know, I tried to turn it inand they're like it's
undriveable, like this istotaled, and I was like, oh my
gosh, my baby, I love my Subaru.
I was like I don't want to seethis go.
But for the first time theywere like, well, you're upside
down, unfortunately, is whatthey told me.
(18:46):
So that's the first thing Iwant to do is fix that hole.
Now I know I used I had acoworker back in the day say, oh
, use Credit Karma, it will kindof give you that push also to
kind of look and see what yourscores are.
And I did and it wasmotivational.
I just got to get back to doingit and I was able to raise the
(19:10):
score up to get my apartment andeverything at the time.
So I was proud of myself.
It's just kind of getting backon that bandwagon of being in
that positive energy and movingforward and really it's a
mindset and what I liked aboutyour bio and reading stuff.
(19:31):
You call it a pathway and Iwant to get into that.
I'm going to do a quick littlecommercial.
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(19:51):
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They come with mantra wordslike peace, love, fearlessness.
They also have faith now andjust a hint hint in their little
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(20:16):
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(20:39):
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This world has changed.
A lot of people are goingthrough this, whether we like it
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Now I know I have medical PTSDand I would like to thank my
(21:00):
doctor for that.
But I use mine because everytime I'm in the hospital they're
trying to find a vein and I'mthe hardest stick.
It could take six times, eighttimes a big ultrasound machine.
So I'm the hardest stick.
It could take six times, eighttimes big ultrasound machine.
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(21:21):
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(21:41):
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(22:02):
S-N-A-P-P-B-A-N-D-Z.
All right, well, let's get backto what I was asking you this
pathway you create, I'm sointrigued with it because it's
like a roadmap to me.
It's like I want to see it.
I'm a visual person and I knowyou're probably like drawing it
(22:25):
out for your clients too.
I'm so happy talking to you,yeah.
Speaker 2 (22:31):
Good stock chart always goes up and up and I I'll
do a spreadsheet, so I'll do agraph and watch that graph grow
up and up of your savings andstuff.
But everybody's individual,everybody's path is different.
Everybody starts at a differentplace.
There's no one cookie cutterplace for everybody, so
everybody's got a customizedthing for them and their
personality type, whetherthey're a saver or they have to
(22:51):
have a little splurge.
Everybody's different so we tryto make it so that it fits them
, so that they don't getdepressed, sad, bummed out, fall
off the wagon and not want togo back on again.
Speaker 1 (23:02):
Yeah, yeah, and it's different, like I know.
I realized I'm proud of myself.
I realized one of the biggestissues I had with spending is I
love to go out sing karaoke andyou know I have enough money for
me.
What am I going to get?
I'm going to get a grilledcheese and a Coca-Cola.
(23:23):
I may have a glass of wine, Imay even do one shot or two, but
that was my budget for me andsometimes my friends.
I don't think I have enough.
And then I'm here going, gotyou, hello.
When I'm looking at that bell,how did I get them?
This is actually killing me andhurting me.
(23:47):
So let's limit time from doingkaraoke and going out with big
crowds.
I mean, maybe that was thething for me, but as far as
taking a look at who I am as aperson and what money weighs for
my path, that could be hard.
Like, do you do counseling?
Speaker 2 (24:12):
It's too hard for me to change.
Speaker 1 (24:13):
I don't know that it's counseling.
Speaker 2 (24:13):
It's too hard for me to change.
I don't know that.
It's counseling, it's moreencouragement.
I will text you in betweenvisits to make sure you're on
track.
So that's the whole thing ishaving an accountability partner
.
It's kind of like somebody onAA or something you know.
Yeah, Especially if you're newoff the wagon.
I don't know how many relapsesyou have.
My husband, for example.
He's been sober for almost 20or over 20 years now that he
(24:36):
told me like he'll go sober twodays, fall off the wagon, one
day fall off the wagon.
It happens until you get enough, till your desire is strong
enough in you that, hey, I'mgoing to do this because I'm
sick and tired of this life, orI'm sick and tired of doing this
.
It doesn't have to be a rockbottom.
When you just get so fed up ofsomething you want something
different.
That's when your mindset willhelp you more and the
(24:59):
encouragement helps you.
If you screw up, hey, you knowwhat.
It's okay, Everybody messes up,but let's do this instead this
week, you know, or try this thisweek.
Speaker 1 (25:09):
Yeah, and reverse psychology.
When I was married, I remembermy husband going you spend too
much, why'd you do this?
And then I was like that'swhere, why'd you do this?
Made me want to spend morebecause he was mad.
And I call it the reversepsychology part, like first
(25:37):
psychology part, like I justyeah, I guess I wasn't the one
in charge of it and I was soyoung when I was married, I was
like 22.
Like I was out free.
I'm newly married.
You know we had a kiddotogether so we had to buy
clothes and toys and baby food.
You know I wanted to give mydaughter the best life, you know
, so those things.
But then I learned from thatand it was a hard lesson after
(25:59):
the divorce came.
That's how.
Speaker 2 (26:01):
I learned my financials.
Her half of it was exact samereason.
She spent too much and neversaved.
He was a saver, she wasn't.
He had his own issues.
He was like a narcissist.
But he had his own issues.
He was like a narcissist, butjust the guilt.
I guess in your field I know howthe weight of the debt I had on
me $7,000 credit card debt wasalmost half of what I made back
(26:24):
when I fell into this hole andthat seems you might as well
just make it a million dollars.
There's no way I'm going to payoff half my salary in any
length of time.
But it didn't happen.
It happened by having to buy mykids clothes, but not in Billy
Me.
I was frugal, I wasn't like abunch of clothes.
I never overdid anything, whichI was lucky for.
That is just the circumstancesin my income I had as a
(26:45):
beginning teacher.
It was like 13 or $14,000 ayear.
You can't live on that.
It was difficult.
I know how to get out ofdifficult because I've been
there, done that to.
You know, in the end I wassaving 50 to 60 percent of my
income right before I retired soI could have this vacation when
I want that vacation, when Iwant to spend the globe
everywhere every month, gosomewhere, type of thing.
But you have to work for it andyou have to see it in front of
(27:08):
you.
Look, look how much I have nowand right now I save.
I don't know if you want totell me I save a thousand
dollars a month towardsvacations, so it gives me 12,000
a year.
That buys a couple of reallynice two or three week guided
tours, plus the little ones likeI'm in California.
So the hour drive to PalmSprings and stay in a timeshare
(27:28):
that's cheap, you know, and youknow it has the kitchen.
So we don't buy out everysingle meal.
And trip to San Diego across toRosarito, mexico, cause it's
like a three hour drive, maybe,if that, not even that tacos for
a dollar, I mean, it's those.
Those are cheap vacations thatare fun.
They're still getting away.
They're just not the twoextravagant ones I take a year
(27:50):
or the nicer ones I take.
We have to go business classbecause it's such a long flight.
My back would die in the coachseat.
Speaker 1 (27:57):
I've never been in the business class side of a
plane.
I remember taking a plane ridehome from California and that
ride was so cold and the seatswere too squished in and I was
so grateful because the personthat was sitting next to me was
(28:20):
the airline flight attendant.
He was just traveling that dayand he is like got this blanket
from Fiji and I'm going to letyou have it.
And I was like, not like, keepit, keep it.
But he just gave it to me so Icould keep warm.
But it's those little thingscut into corners too.
My gosh.
(28:40):
I was going to mention Ilearned my lesson also with food
, starbucks.
I was just so addicted and itwas like working at the mall, I
wanted to go and get a coffee,go get a coffee, go get a coffee
.
And then I said I'm not goingto do this for one month and I
was like let's see how muchmoney I saved.
(29:02):
And I was like, wow, I can gobuy a new outfit.
Speaker 2 (29:08):
Exactly Cause when you see it in that little tiny
box from Walmart or something,you see, oh my God, I didn't
realize it was that much.
It's only $5 here or five, butyou don't realize how much it is
times 20.
And I'm going by five weeks andfour weeks a month.
You know that's a lot of money.
Speaker 1 (29:22):
Exactly, exactly, and you've got to be cautious.
It's so um.
So, as far as people coming toum get your services, how would
they find you and go aboutreaching out to you?
Speaker 2 (29:35):
I have a website, I have email, I'm on LinkedIn, I'm
doing YouTube shorts, butprobably the most direct way
would be to probably email me orgo to my website, which also
has a contact me direct.
Emails me directly.
Speaker 1 (29:49):
Good, good, good.
That's good to find and I knowI'm going to be putting your
stuff and information up on, ofcourse, facebook and YouTube.
That will be LinkedIn andeverything, and it's good that
you're doing shorts.
I love shorts now making it inYouTube, but like sending it
(30:11):
into the world of Facebook,because you do get hit more with
the shorts and stuff.
So yeah, so I catch myselfalways watching reels on
Facebook.
Now it used to be TikTok and Ilove TikTok, but now it's like
nope, facebook.
So, but definitely any adviceyou would give any of the
(30:34):
listeners listening today.
Speaker 2 (30:36):
Well, I don't know how fast you said I know like
tonight or something, I wouldget copies.
But if they're like in themiddle of something right now,
usually urgency is the best timeto reach somebody, because then
they put it off and forget it.
So if you look right herebehind me, right here, this is
my business Financial FreedomPathway, so it's really easy.
My email is ffpathway at Gmail,so that's very easy to get hold
(30:59):
of me and that's FF Pathway.
Gotcha?
Yes, financial Freedom, and Iwill direct.
I'll put you on your path toyour financial freedom, so
that's the best way to contactme right now.
Speaker 1 (31:11):
That is so cool.
I love it.
And then I know, um youmentioned earlier, you have a QR
code too, and I will attachthat as well, so people can just
scan that QR code as well.
Speaker 2 (31:24):
I don't have one yet.
I have to make one.
I don't have yet, but I wasgoing to have one with all my
patients, so it's it's just, Ihave them for some things, but
not everything.
So email us for the website.
Speaker 1 (31:34):
Because the way I work is you can come back and go
, Nadine, I got ABCD and I'mgoing to plug it in there and
it's going to go into yourportfolio and be accessible for
anybody to find you andeverything.
So I want to say thank you toyou.
I think we covered everything.
Was there anything I wasmissing?
Speaker 2 (31:54):
Just don't be a procrastinator.
I mean if you are waiting tolose weight, well, I'll do it
next week or tomorrow.
Tomorrow never comes, so don'tprocrastinate.
If you need help, even a littlehelp, I do offer a free
30-minute consultation.
If anything, I can help steeryou a little bit, but then after
that it depends on how muchtime you think you'll need to be
(32:16):
able to go out of my plans andthen do the group chats and
stuff.
So it's, it's just time.
Just don't put it.
Even going to the dentist.
If you and you have a cavity,the longer you wait that's going
to be a root canal pretty soon,not just a cavity, so finances
anything.
The longer you wait, the worseit gets.
So just contact me sooner thanlater.
Speaker 1 (32:37):
Exactly Like I was thinking.
You got me thinking aboutsomething you said earlier in
the show.
I'm a bariatric patient, sowhen I had to go before I got
the gastric sleeve.
You're on a diet Like you arewatching everything you put in
your.
You're down to water and maybesome premier shakes and a
(32:59):
premier granola bar and thenbroth maybe or jello.
But you're saving money thereand you trained your stomach to
stop spending all this money forfast food and restaurants and
stuff.
Yes, it's a little pricey toget that stuff and you might get
a little bit hungrier becauseyou're eating less, but your
(33:19):
body got trained.
But if we can put that mindsetfor doing the diet, we can put
that mindset into how to savethe money.
Speaker 2 (33:29):
Yeah.
Speaker 1 (33:29):
Definitely.
Speaker 2 (33:31):
Yeah, the money.
Yeah, definitely.
Yeah, it's just financial.
Freedom is so relieving to knowyou can do yourself out of
whatever like in today.
Truthfully, today I thinkthere's 80 of people that could
not replace a water heaterwithout going into credit card
debt.
We're talking 500.
They don't even have 500 toreplace a simple water heater
(33:53):
and I've had one rupture beforeand I used it.
Was a great teaching lesson inmy class.
I said you know, I was a singlefemale at the time.
I said I came home from schoolone day I saw water coming out
of my garage.
I couldn't figure there's nohose been there.
So what was coming from?
And it was my water heater hadcaused a leak up top.
Now to buy a new one.
So within three hours back thenit was penny saver.
(34:14):
So I went to the penny saver.
I called a bunch of peopleright now be the internet or
local, you know Facebook orCraigslist and I found a local
plumber.
I called them all and got alltheir prices and I called the
one back that was leastexpensive and I said I'm
ordering a, a water heater,cause I don't have no way to
transport it at home Depot.
I'm going to put your namethere, you pick it up, you bring
it here and I pay you for yourlabor.
(34:34):
And that's I did it.
Within three hours had a newwater heater installed, and that
was it.
So I said, if you are having ahouse by yourself and you're a
female, you need to know how todo things, cause don't sit there
, give me the tissue, it's notgoing to get anything done.
Speaker 1 (34:51):
No, pity parties.
I'm moving and I have a couchthat's 400 pounds and I'm like
no, no, no, no, no.
And my friend who helped memove last time he's like I'm not
touching that couch and I waslike so I'm trying to get all
the prices and who has the bestand what makes sense.
And as I analyze movers rightnow, that is something I'm
(35:16):
taking in and I'm looking at myexpenses and I was thinking
about this earlier.
I need a checklist ofeverything I need to do and
little by little, like I'mwriting on paper, this done and
it's so funny because I have apile over there.
Okay, this is for school, thisis for healthcare, I need to do
ABC, so I'm organized, and stufflike that.
Speaker 2 (35:33):
But movers are governed by.
They're regulated by how muchthey can charge per hour.
So what I would recommend if,if you've got insurance on your
stuff is higher day labors atthe home Depot or lowest parking
lot and they will be yourcheaper, harder workers to get
something heavy into it.
And then if you're not moving,you know if you are moving far
(35:55):
then at the other end, find themat the other end and have them
help you get it off the truckand in the house.
That's your cheap.
Speaker 1 (36:02):
That is cheaper.
I got quoted a mover $3,000just to move me and I was like
and that wasn't the cost of thetruck or the gas, that was just
him, four guys.
And I was like, nope, I'drather hurt my back.
How far is the move?
Three and a half hours, ohthat's a little bit.
Speaker 2 (36:25):
I moved across to Florida before and it seems like
it was about that, but we'retalking 30 years ago.
You have to call around are ifit's a licensed company like
allied or something like that,they're regulated, how much they
can charge per hour.
But then it's the other littlefee, the box fee and the packing
fee, and so to pack it yourselffirst of all, um, quick tips.
I used, you know, colored paper, like eight and a half by
(36:47):
eleven color paper.
I would.
I would call it like bedroom,bedroom on multiple in large
print bedroom all the way downand then, when I get to my other
end, I'd put that color bedroomon a door.
So they knew that box goes inthat room and it made it much,
much faster for them to putthings back in the house and the
rooms.
You need them to go.
Speaker 1 (37:05):
Yeah, yeah, I just I, yeah, I like that.
I heard somebody else doingthat too and it was very easy
and easy to do that move andeverything.
Because I'm more like analyzethis, this, this, do I really
need this?
What can I sell?
Like, for me, it's just likewhat can I make money from?
(37:26):
I'm not using a jogger or babystroller anymore.
I'm going to be selling avanity.
I'm going to be doing this.
I'm not using baby props for myphotography company.
Let's sell it.
Maternity dresses, all thebaby's clothes and everything.
Speaker 2 (37:41):
So it's just those little things you know that's
like a lot of those things youmentioned are all moneymakers.
You just can't.
You got to set a fair price,but not a bargain.
I'm going to take it off yourhands for you.
Then they're going to turn andresell it.
Speaker 1 (37:56):
Yeah, they, they will .
I know what I put out for allthat stuff and I expect the same
because, if not, I'm going tojust hold on to it because I
know it's value and worth it,because this is good stuff.
So I've had stuff I try to sellfor like a year before.
Speaker 2 (38:12):
I've done it on Facebook marketplace and on
Craigslist those are if you gota really good description of it
and really good pictures andmultiple views.
I've sold a lot of stuff prettyquick on there, like right now
I've got a whole client set forsale and it was going to be sold
twice but something happened tocancer, this and that, that I
still have it sitting outsideunder a tarp.
But I have like a refrigerator,a washer and not a refrigerator
(38:34):
a stove, a microwave and adishwasher and there's still
space in my yard but they'regoing to take up space because
I'm not going to give them awayand I'm asking $675 for all
those appliances and they allwork good.
Speaker 1 (38:47):
See that and that's all doable.
So yeah, I know how it is andthe selling part and it's so
funny.
I have it all for sale but it'sin Texas and I'm not there to
sell it, so I'm trying to get mymom to help me, like.
But we'll see how that worksout.
But I want to say really quickthank you so much for coming on
(39:07):
to Keep Up Alive and I wouldlove to bring you back within
this year and see howeverything's going with your
company and what your goals havebeen in 25 going into 26.
But thank you, thank you andlisteners, wherever you find
your podcast you'll be able tofind Keep Hope Alive.
(39:29):
You can visit us atwwwkeephopelivepodcastcom.
We do have a segment on thewebsite.
It's leave a message.
So you can leave a message forKathy or myself and I will get
that sent to her too and we cancome back and do a quick little
review on those questions andstuff and like that.
But thank you so much.
Speaker 2 (39:52):
Hopefully I gave you some tips that you can start
calling off from from now.
Yeah, oh yeah.
Speaker 1 (39:56):
Yeah, I think the listeners are going to love this
show because you had a lot ofgreat advice and I know I'm
going to be straightening myselfup and I'm going to be actually
contacting you in a little bit,once I get settled here,
because I want to go on apathway journey of doing it
right and making it right.
Speaker 2 (40:17):
So I will encourage you along the way and you would
really, I think you would gofarther, faster if you hired me,
because I've got, I have apassion.
I'm not doing it for money,because I'm retired, I don't
need the money.
I'm doing it for my passion tohelp people, because I know what
I went through and it was astruggle and I know what a
relief it is to know, hey, I canhave my you know safer car,
safer my college, safer this,and and be at peace with it.
(40:38):
You know it's.
It gives you comfort and I justwant to comfort people not
going through hell.
I went through so many times.
Speaker 1 (40:47):
Oh yeah, I've been going through that hell myself a
lot and I need to climb out ofit, so but yeah.
Speaker 2 (40:57):
I went through three divorces by the time I was 40.
Speaker 1 (41:02):
Oh wow, 40 by.
Yeah, I had three for me too.
I you know that's somethingpeople like.
When I talk about three,they're like but why?
I was like?
It's nothing that I did, Iswear, and it just wasn't right.
Speaker 2 (41:18):
Well, the first one, we were married like 12 years,
my first one, so it was, it wasa brain tumor with that one.
The next one, um, it was well.
The next two were on therebound.
You know cause I wanted, Ididn't want my girls to not have
a father.
My mother divorced when I wasfive and I never had a man in my
(41:39):
life since then.
So I know as an adult and Iknow what I missed and there's
things that I know now I leantowards and gravitate towards.
So I quickly wanted a man in mylife so my girls would have a
father figure, knowing theirfather was going to die.
He was a ticking time bomb withthis brain tumor he had.
So that was.
It was hard and and my, I guessmy reasons were right, but the
timing I didn't go through.
There was a class I wentthrough called divorce care.
It was through my church andthat was the biggest winner.
(42:01):
My first divorce caused theother two because of baggage I
had never let go see that, yeah,I love the church I was going
through in Texas they had adivorce care group and they had
a singles group.
Speaker 1 (42:16):
I was about to join that and everything.
And now it's like I'm finding anew church home here in
Oklahoma to see where to go andstuff.
So that's going to be a funjourney.
Speaker 2 (42:29):
Well, just find one that actually teaches the Bible,
doesn't sugarcoat it anddoesn't do what everybody else
likes to hear.
But what's the truth, what youneed to hear, and then you'd be
fine.
I wouldn't recommend thecalvary chapel if there's any of
those near you.
But, um, just ask around, askpeople, but it depends on what
they want.
You know they could be.
I'm going to go to church, hearthe good news, go back home and
(42:49):
go my merry way.
Then hearing just the good newsis not going to help.
It's being made you accountable.
Are you accountable?
Doing what you know you'resupposed to do, or not do, or
whatever?
Speaker 1 (42:58):
Exactly, exactly.
So I know there's one thatwe're going to because my son
loves it, my stepmom goes thereand, yeah, I'm going to just try
it out, see how I like it, butI know I want to go inquire and
he's always in Sunday school, so, but anyways, I want to say
(43:20):
thank you so much for coming on,guys.
I will see you next time.
Love and light, have a greatweek until next time.
Bye-bye, bye-bye, nice meetingyou.
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