March 25, 2025 • 41 mins
On this episode of The Get Ready Money Podcast, I spoke with Misty Lynch, CEO of Sound View Advisors, podcast and reality tv show host about changing the way we think about our relationship with money,
In this episode we discussed:
- Be accepting of the way things are.
- Don’t let labels hold you back, it’s important to not think of things as good or bad.
- Question your beliefs.
- Couples should be open minded about what’s important to each other.
- How to overcome fear with our money.
- Ask yourself what’s the worst case scenario? It’s oftentimes not that bad.
Misty Lynch, CFP® is the CEO of Sound View Financial Advisors. Misty helps busy business owners and executives handle finances (and life) with confidence using financial planning, investment management, and money mindset coaching strategies. Misty hosts the reality TV series Heartbroke and the weekly podcast Demystifying Money.
She is a personal finance expert and a resource for media outlets including The New York Times, Cosmopolitan, CNBC, CNN, Investopedia, Real Simple, Student Loan Hero and many others. Investopedia named her one of the Top 100 Financial Advisors in 2021 and US News and World Report named her one of the 9 Women in Finance to Follow "because sometimes you need life advice, not just financial advice".
Connect with Misty Lynch:
Website:https://mistylynch.com
LinkedIn: https://www.linkedin.com/in/mistylynch/
Sound View Advisors Website: https://www.soundviewadvisors.com
Books:
Demystifying Money: Permanently Reprogram Your Money Mindset to Achieve the Wealth and Success You Deserve (Amazon) https://amzn.to/497aQwu
Podcast:
Demystifying Money Podcast: https://mistylynch.com/podcast/
TV Series:
Heartbroke: https://mistylynch.com/heartbroke/
Resources mentioned:
Monarch Money (money management app): https://www.monarchmoney.com
Brightfin (budgeting/spending app): https://brightfin.io
The Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:04):
Are you looking to get ready, be prepared and
transform your financial future?
Then you've come to the rightplace.
This is the Get Ready MoneyPodcast with Tony Stewart, where
Tony has insightfulconversations with financial
experts who are changing the waywe think about money.
Catch up on the latestfinancial trends and hear
(00:27):
practical advice from Tony andhis expert guests so you can
build healthy habits that work,Be empowered with tips for
implementing small changes thatcan have a big impact on your
financial future.
So sit back and get ready tohear from today's guest.
Speaker 2 (00:48):
Welcome to the Get Ready Money podcast changing the
way we think about money.
I'm pleased to be joined todayby Misty Lynch.
Misty is the CEO of SoundviewAdvisors as well as a podcast
and reality TV show host.
In this episode, we'll bediscussing Misty's insights on
how we change the way we thinkabout money and how to improve
(01:09):
our relationship with money.
Misty, welcome to the Get ReadyMoney podcast.
Thanks for joining us today.
Speaker 3 (01:14):
Thank you for having me on today, Tony.
Speaker 2 (01:17):
Yeah, excited for this conversation.
So this is where I start withall the guests.
Tell us a little bit aboutyourself.
What is your origin story?
Where I start with all?
Speaker 3 (01:25):
the guests.
Tell us a little bit aboutyourself.
What is your origin story?
Well, I guess I've always kindof been interested in money.
I suppose my origin story inthe finance world probably
starts in about like sixth grade, so when I was a child you know
, my kids are 10 and 12 now, sokind of most of my life up to
that point my father owned abusiness and we were pretty
(01:46):
successful, financially At least.
We didn't worry or think aboutmoney very much at all.
And then around 1990 or 91, myfather's business dried up,
changed, and so it was reallykind of an interesting time
where I felt like all we talkedabout at home was money.
It was a huge issue for ourfamily and, you know, kind of
(02:09):
kind of a scary time where wehad to do things like we had to
move, we had to sell our home,we had to sell the cars, we had
to like.
Everything seemed to change inmy mind as a child like
overnight.
And so you know, I felt like,you know, I'd seen comfort, I've
seen, you know.
And then we kind of moved intoa different environment where we
were in smaller apartments andliving in a town, where we moved
(02:33):
into a great town, where it waspretty small town, good schools
, but I could tell there was abig difference between me and a
lot of the other kids in thetown who were riding horses and
doing all sorts of differentthings with their spare time.
So, yeah, I remember being insixth grade and we did a stock
market contest and I rememberjust being so fascinated with
the idea of taking your money,putting it somewhere else in
(02:55):
businesses and investing it andthen having that, you know, to
grow wealth that way, and so Ithought I'd solved my parents'
problems.
Now I've learned a lot moreabout personal finance to know
that you can't invest your wayout of poverty.
You know, like there's there'scertain things that you know
have to happen in order to dowell.
But the thought stayed in myhead about how do I figure this
(03:16):
out?
Because I really, you know itwas hard to see the struggles
that we face on a pretty regularbasis, being, you know,
entrepreneurs and you know,trying to figure out a way to
get by.
And so, yeah, I always kind ofwas interested in money.
At least I wasn't afraid of it,just because I think I was so
numb to talking about it all thetime, because it just seemed
(03:37):
like it was always part of ourlives.
So that's kind of where I got mystart and then, you know, went
to college at UConn, kind ofgraduated and got a job in
insurance at first, because thatwas what was hiring and I lived
in Connecticut and there was alot of good companies and good,
good jobs and so.
But then I kind of fell backinto planning and investing when
(03:57):
that field kind of was evenrevealed to me as an even an
option at that point.
So yeah, I've worked in alldifferent areas.
As far as you know, worked atJohn Hancock for a while in
compliance, and just always kindof stayed in the space but
really felt, like, you know, thecalling to go work with people
independently, one-on-one, totake them from the beginning to
(04:17):
end, and do the investing, dothe planning together.
That really, you know, that wasalways in the back of my mind,
even though I was very afraid ofbeing self-employed because of
what I'd seen in the past.
But so now, you know, thingskind of worked out and around
2020, I turned 40, decided I wasjust going to do it.
So I ended up leaving a nicecorporate job to be, you know, a
(04:41):
financial advisor and CFP withmy own clients and really
haven't looked back from there.
Speaker 2 (04:48):
That's awesome.
That's quite a story and somuch in there.
One of the things I waswondering if we could talk about
for a minute is the fear thatyou overcame, because so many
people have fear when it relatesto their financial lives and
you could have let the fearparalyze you, but you didn't.
Do you have any tips for peoplewho are feeling that fear
themselves?
Speaker 3 (05:09):
Oh, yeah, I think I've.
I've talked to you know, peopleare feeling a lot of fear
lately and I think, maybe youknow, I I was afraid that, if
you know, I was self-employedlike what if all my clients
leave?
What if I end up in thissituation?
And I realized, though, becauseI'd gone through it personally
we didn't die when I felt likewe didn't things changed, but
(05:37):
like what happens, and so I kindof saw the worst case scenario
and was able, in my head, tothink like, okay, well, I have
more money saved now before Ileft.
You know, or, okay, this is,you know, this is how much it
costs to be us a month.
I knew those things from.
I've been a CFP since 2011,.
Years before I left to actuallywork for myself.
And my worst case scenario likemy biggest fear, you know,
(05:59):
because I'd seen running out ofmoney and so I'd kind of always
planned for that.
But I think, when I think aboutwhat my biggest fear would be,
sometimes I'll talk to peopleand say, you know, okay, maybe
they're debating leaving acompany or going to work for
themselves or doing taking arisk on their own, on themselves
, and then we'll ask them likeokay, well, what's the worst
(06:20):
case scenario and they're like,well, I'd go get a job like this
, and so, basically the worstcase scenario.
And they're like, well, I'd goget a job like this.
And so, basically, the worstcase scenario is exactly what
they're doing today, every day.
To me, that's kind of scary tofeel like I'd rather live my
worst case scenario on a dailybasis than take a risk that
could lead to a lot morehappiness.
So it's, there's always goingto be a little bit of fear and
(06:42):
there's nothing that's really ahundred percent safe, whether
you work for someone else or foryourself.
So I think, really, sometimesit's just letting our brains get
the best of us that keeps usfrom doing anything different,
because really we want to stayalive.
And so all those fears, they'redefinitely.
They're definitely real andthey're definitely something
that people you know it's hardto work through on your own.
(07:03):
They're definitely real andthey're definitely something
that people you know it's hardto work through on your own.
Speaker 2 (07:07):
Well, I think that's well.
You said so much in there.
That's amazing.
But I think one of the thingsis the fears are real and
legitimate.
But I love you know what yousaid about asking yourself
what's the worst possible thingthat can happen, and usually
it's not that bad or it'ssomething that you can overcome.
Speaker 3 (07:27):
Yeah, or it might be like you know, I've seen some
people who really don't liketheir nine to five job or they
don't like their boss, and sothey know they could get another
job like that again, and sosometimes it's it's tricky and
sometimes it takes a while to.
And also, looking at the math,how much does it cost?
How much do you need to make?
(07:48):
How much maybe you don't needto make?
What your salary is in order to, you know, live your life the
way that you want?
It just feels like that's whatyou're worth, because that's
what somebody has paid you inthe past.
So we don't spend a lot of timethinking about these things or
poking at them or askingquestions, because we're just,
you know, we're busy with theday to day things that go on in
(08:09):
our lives.
So it's really worth someconversations, and sometimes
it's not the right thing forpeople to you know, work for
themselves or anything.
There's a lot of different waysto make it work, but if you're
somebody who's feeling that thatfear, but that pull is still
there to do something different,eventually it might get too
hard to ignore that's awesome.
Speaker 2 (08:28):
Yeah, you know, I, I hear you and I think you also
said something there too.
That I wanted to key on is thatit's important to have the
conversations and to talk aboutit because, like in your
situation, part of it goes backto your experiences as a kid,
and I know that, while mysituation I was fortunate, it
was my grandfather and not myfather, but hearing about my
(08:51):
grandfather going broke really,you know, impacted my early
thinking on financial stability.
It's like he lost everything.
He owned a chain of laundromatsOkay, I'm going to date myself
because this was during thegreat depression, so I'm dating
myself a little bit here.
But you know, hearing thosestories, you know that he had a
(09:14):
successful business and he lostit and you know what he went
through to regain his financialstability.
It impacted me, it impacted myfather and him being a little
conservative with hisinvestments.
So those things are real.
Speaker 3 (09:33):
Yeah, and I think you know you could have two people
in the same family that have adifferent experience coming out
of it.
So, especially when I talk topeople in relationships where
they're like, well, I don'tunderstand why they think this
way and I don't understand whythey think this way and I don't
understand why they think thisway, we all have such a
different experience, especiallywith money, which is something
that we start to pick up on whenwe're very young, even before
we even know how to use it, andso it's very unlikely that two
(09:57):
people would have the exact samebeliefs.
But I think in general, if youcould kind of find some
consensus, there can be a lot ofsuccess.
But it's definitely verypersonal and it can feel like
the truth, even though it justis what's happened to us or what
we've been told over and overagain.
So it's really interesting whenyou get people especially when
you get people together,business partners or couples to
(10:18):
talk about it Really see if youcan make some progress at least
on understanding each otherreally see if you can make some
progress at least onunderstanding each other.
Speaker 2 (10:31):
Yeah, well, and you know, as you point out is you
can't deny someone's truth,right?
That is how they're feeling andit's important to deal with
that, especially as an advisor.
Is you know that I know whenclients would open up to me
about something?
Is you know that's somethingthat's real to them, whether or
not it's legit?
You know I don't want to usethe word legitimate, but that's
not quite the right word, butyou know that's how they're
(10:52):
feeling and they're interpretingthings.
And that is an advisor.
I think that's something youneed to work through with your
clients and that sometimesthat's the reason why clients
don't do certain things, insteadof the clients not being
responsive or forgetting.
Speaker 3 (11:08):
No, I had a friend who was very interested in being
a CFP and this was when I wasin corporate and he he'd seen me
meet with somebody when we weredoing some financial planning
internally at work and he waslike I don't think I could do
this.
That person's not going tolisten to you, they're not going
to do what you said.
And I said, of course theymight not do what I say.
That's not the point.
You know.
(11:32):
I understand we want people to,you know, and I'm sure that,
like everybody knows the rightthing they should do.
They know what they should.
You know they should spend lessthan they make, that they
should eat the salad instead ofthe donut, but it doesn't mean
we do it.
There's all sorts of thingsthat go on in our head, and so I
think that our job as advisorsis really to understand and try
to help people as much as we can, not just, you know, tell them
(11:53):
what to do and hope for the best, because there could be a lot
of reasons behind theirreluctance to change.
So I think it's reallyinteresting to know that as
advisors, we have our own biasesas well, and so just to be
open-minded and really thinkabout the behavioral end and
that side of personal financethat has just as much of an
(12:14):
impact as the math and thenumbers.
Speaker 2 (12:18):
I think so, because that was something that I always
you know that it firstmystified me is why would very
smart people, presented with acertain use case, not make what
I would consider like, hey, thisis a no brainer decision.
Yeah, Because it was deeperthan that.
Speaker 3 (12:38):
Yeah, and a lot of times it could come.
It could be like not just, youknow, showing a report and
saying this is what we could doit really sometimes.
Sometimes I have to, you know,approach it in different ways,
and different scenarios make itfeel real or kind of.
You know, a lot of people havea tough time even imagining
themselves being 78 years old,like they can't even think about
that future person that they'retrying to take care of, while
(12:59):
they have these things that areon fire right now in their
financial life.
So, you know, it's really justkind of figuring out ways to get
them to, you know, kind ofmaybe see things or even be open
to seeing things in a differentway as opposed to what, what
they've always done, which mighthave, you know, kept them in a
spot where they're notcompletely happy.
But people also don't like tobe wrong either.
(13:21):
So it's definitely kind ofbeing sensitive to that.
Yeah, these might've been thebest decisions they could make
at the time, based on what theyknew, but the shame and the
guilt isn't going to helpanybody make progress.
Speaker 2 (13:34):
Yeah, and clients don't want to be told that they
made a wrong move.
They're human and you know atthat time it seemed like the
right move, even if it wassomething.
You know, I dealt with peoplewho had been victims of
financial predators and even atthat point sometimes you know
they defend the decisions theymade and that was really hard to
(13:56):
break through.
Speaker 3 (14:01):
But it's, you know that that's part of what
financial partners in all thesesituations like, take advantage
of is that people might not sayanything, or they might not
because it's, it's embarrassingor they don't want to.
You know, want people to thinkthat they, you know, aren't,
aren't smart, or that they'relosing their capabilities to
make these decisions, whenactually some of these scams and
things that we're seeing latelyare very sophisticated.
(14:22):
So, definitely, having having aperson you could talk to and
trust even if it's not maybe itis a financial advisor or
somebody that you work with thatmight be, you know, the only
person that you say some ofthese things out loud to and it
can be really helpful,especially if you're struggling,
you know, with some things thatare going on in your financial
life.
Speaker 2 (14:41):
Yeah, I mean, one of the worst cases I was involved
with, you know, as a litigationconsultant, was an elderly
couple and the husband had beena very successful attorney and
he'd been taken advantage of itand it was very hard for him to
admit and to work through it.
(15:03):
He eventually did but he didn'twant to tell his kids Very
embarrassed about the wholething, but it was something
where it was set up for him toeasily fall into and that's the
trap that anybody can fall into,that kind of trap.
Speaker 3 (15:22):
Yeah, no, it's definitely.
You know, and I think thatthat's something that happens
with a lot of different thingsand fine, and you know, people
make one financial mistake andthey feel like that defines who
they are forever.
And I don't think that's true.
I think it's more true that allof us have made some decisions
that if we could go back inhindsight, we would do
differently, but it doesn'tnecessarily dictate how things
will be for us in the future.
(15:43):
I know I've certainly made myshare of mistakes and I used to
try to hide them.
I used to try to hide the factthat I didn't come from money
when I first went into financeand it just made for a very
inauthentic version of myselfthat wasn't very successful.
And so I feel like more peoplecan kind of relate to like, yeah
, these, these are somesituations that we're seeing
people just like you are having,you know, similar, similar
(16:06):
problems and kind of making surethat it's less, you know, less
shame and guilt around all ofthese things that happen in a
lot of people's lives.
Divorce is all sorts of thingsthat people go through that they
feel alone, but they'reprobably not.
Speaker 2 (16:19):
Yeah, that's it.
You're not as alone as youthink you are.
So you know, I want to ask youreal quick.
You know you're the I thinkyou're the first reality TV
series host I've had on the show.
So congratulations, I guess.
Oh, so tell us a bit about youknow your series Heartbroke.
What is it?
Speaker 3 (16:43):
Yeah, so this was kind of an interesting thing.
There was there was, I think,an Instagram post that my friend
who I used to work with incorporate had seen and they were
looking for somebody.
They were looking for like afinancial planner and a
therapist and kind of acombination or two different
people, and she sent it to meand said I think they're looking
for you.
So I sent this random messageout to this casting director and
(17:04):
and I just kind of introducedmyself.
This was all during COVID bythe way too.
So I was working from my atticand it was really looking to
kind of, you know, just really.
You know I love creatingcontent but just like thinking
of like ways that you couldconnect with more people.
And so it was just aninteresting thing and it ended
up working out where, um, theSingleton foundation, which is a
wonderful foundation that islooking to um kind of combine,
(17:27):
um, entertainment and, um,financial literacy, so how to
get more people to pay attentionto this in consumable,
consumable ways that areinteresting.
So they put together a showcalled Heartbroke where they
would work with, you know, 10couples who are in all sorts of
you know different financialsituations, different
(17:50):
backgrounds, and try to figureout.
But all these couples had incommon was they were fighting a
lot about money and were kind ofat the point where it was
either going to end therelationship, maybe the
relationship would go to thenext level.
And so I went to California andI worked with 10 couples and
(18:10):
kind of talked to them, not justabout we did some financial
planning, real financialplanning, got the numbers.
Some financial planning, realfinancial planning got the, got
the numbers how much they made,what they had, um, how much it
costs to be them, and thentalked about their feelings and
thoughts about money and whatshaped them and where they came
from, to see if we could get um,you know to, to help these
(18:31):
relationships, you know.
And so it was such aninteresting experience.
And then I went back six weekslater to see how the couples
were doing Short episodesthey're probably about 12 to see
a start to finish.
We kind of like to see howthings, what happened afterwards
(19:02):
, but we're also very short ontime, and so this was a YouTube
series and it was really justsuch a such a great experience.
It was a challenge for mebecause a lot of times, as
financial planners, we'reworking with people that have
money or have some money savedor they're, you know, very
focused on this, and so this wasa little bit different, where
(19:23):
financial literacy levels rangeda great deal from none to very
focused on the finances andknowing every dollar that was
going in and out of the door.
So it was a great experienceand I really I loved working
with the different couples andreally, really challenging
myself when it came to, you know, trying to get results really
(19:44):
quickly, which is interestingbecause I think in our world,
yes, saving and investing cantake time, but making changes
can happen really quickly ifyour mindset is right.
Speaker 2 (19:56):
That's awesome.
Do you have a quick tip thatyou'd give couples that are, I
guess, in disagreement aboutmoney, for lack of a better word
?
Speaker 3 (20:04):
Yeah.
So I think that a lot of times,like I kind of mentioned before
, we'd rather be right thanhappy, and so if we think it's
right to save everything that wemake and not spend and not
splurge on anything, andsomebody else feels like you
know, you only live once, weshould do this thing, it's going
to be very hard for you toconvince the other person that
(20:24):
you're right, um, but I thinkthat if we can be a little more
open-minded about why this isimportant to you, because a lot
of times these couples lovedeach other, you know there was a
lot of things that they likedabout each other.
Some of them probably wereattracted to the way that their
partner was very different withthem, or more free spirited, or
maybe they were moreconservative and like that
(20:46):
that's, you know, solidity kindof made them more attracted.
So trying to, instead offocusing so much on, you know,
trying to be right, is reallyjust trying to maybe come to
some common ground, like what doyou both want to do together?
What are some of the goals thatyou really both feel strongly
about?
And usually there will besomething and then trying to
(21:06):
figure out like okay, if we lookat the financial plan.
Can we afford this?
And sometimes people underspendbecause of fear, and some
people overspend because theydon't know what's going on.
So really looking at it andsaying like, okay, well now, if
we do all these things, and thenit comes down to like making
just making decisions, like okay, I think we could do this, or I
(21:27):
think we could do this in twoyears, or I think we could do
this here and kind of gettingthat clarity, because a lot of
times we just don't really knowwhat the numbers look like
because we've never reallylooked at anything besides the
checking account and kept, keptworking and so really getting a
better understanding about likethem financially as a couple,
maybe you know, I think, one ofthe scenarios we looked at the
(21:49):
money things looked good andthey didn't have to fight over
if he got extra guac on hisburrito, because those two
dollars that meant a lot to himand made her really frustrated
long term didn't amount to much.
Speaker 2 (22:05):
So so it was a fun experience that's awesome and I
think you know it sounds likethe real basis.
There is communication, yeah,and having the conversations
yeah, communication is soimportant.
Speaker 3 (22:19):
A lot of times that's where it kind of stops, like
when we get frustrated, like youknow you either don't talk
about it, you put your head inthe sand, or you know you talk
to other people about it and notthe person that you're trying
to work on the relationship with.
So, yeah, communication andeven like working on your own
thoughts in your own work youcould do yourself, can improve a
relationship without anybodyelse participating at all.
(22:39):
So kind of you know, even inyou know, in my book and when I
was talking with the couples,like there was even some journal
prompts, some things that theycould do on their own to try to
get to like why are they soupset about this?
Why is you know what, like whatmight be?
You know what they might bethinking or feeling, and that
kind of work can be reallyhelpful even if you you don't
(22:59):
have anybody, you know, ifyou're the only one doing the
work.
Speaker 2 (23:03):
That's awesome.
That's awesome.
Well, let's switch gears.
The next set of questions hereto get ready questions.
These are sort of quick answerquestions that I ask all of my
guests.
The first one is what basicmoney concept do you wish people
knew?
Speaker 3 (23:19):
You know, I do think the basic, you know, the basics
of investing, I think, areimportant.
I come from a family thatdoesn't have any, didn't have
anything invested or saved forthe future, um, and we did
experience some really goodtimes, you know, financially, in
like the 80s, where if just apiece of that money was put away
, things, life would becompletely different.
(23:39):
Or people with young childrenthat are like, oh, education is
going to be, even if they startreally small, really early, just
the way that compoundingreturns works, because it is
really, it's really fascinating.
Some people I've talked to whohave, you know, a million
dollars saved for retirement.
They didn't do anything elseexcept for sign up for the 401k
(24:00):
when they first started, put inwhat somebody told them to put
in and just continue to work andmove on.
So I think that that feelingthat it has to take so much to
get started or that it's sodifficult, I really you know, I
hope, or that you know there'sjust not enough, because I feel
like if you really get, if youkind of decide to pay yourself
first and put something away andjust keep going and being
(24:23):
consistent with it, it can bereally life changing.
And I've, you know, I've seenhow hard it is when you don't so
, and that's one of those thingsthat I just wish.
I wish more people knew because, unfortunately, like there
really isn't much of a safetynet anymore for people, you know
there's the pensions and thesocials.
(24:44):
All those things are kind ofthey're not going to do enough,
and so I think that that, yeah,starting small and starting
early can have such a hugeimpact.
Speaker 2 (24:54):
That's awesome and that's advice I hear from so
many guests, especially aboutthe power of compounding
interest, and for people whowatch and listen to the show for
a while, there is an episodejust about the power of
compounding interest that I'llreference in the show links so
everybody can go back, becausethere is nothing like compound
interest compound interest.
Speaker 3 (25:20):
Yeah, and I'm glad you know I, if I, if I didn't do
that, like I didn't haveanything when I first, you know,
graduated college and startedworking, you know, but they save
like kind of having somethingput aside, even if I wasn't sure
it allowed me the freedom to go, you know, to leave a
comfortable job, you know, tomake decisions that I might not
have been able to make if Ididn't have, you know, something
to kind of look at and be likeokay, here's my, you know,
(25:40):
backup, backup plan Ifeverything, if nothing works out
.
So it does give you more, moreoptions and and and freedom in
the future.
Speaker 2 (25:49):
That's awesome.
That's awesome.
What is one simple thing thatpeople can do each year to set
themselves up for financialsuccess?
Speaker 3 (26:00):
I think one thing that they can do each year to
set themselves up for financialsuccess.
I think one thing that they cando and this is something that
I've just started to do withsome clients lately is kind of
look at I would look at yourtaxes, and this is a big expense
for a lot of people and it'ssomething that a lot of you know
people don't really look at,you know, on a regular basis.
But yeah, kind of maybe doingsome.
You know on a on a regularbasis, uh, but yeah, kind of
(26:20):
maybe doing doing some.
You know, when you, when you'relooking at you know, did you
put enough?
You know, could you have somebenefits if you put more money
in your 401k or if you'reself-employed, could you bring
down your taxable income if youmaybe set up a retirement plan
for yourself and put some ofthat you know profit aside?
And I think some people, youknow, just don't even know
(26:41):
really what the taxes look like,and so that's something where I
feel like people might be ableto have some quick wins or maybe
they could take advantage ofthings like a health savings
account or something where theycan, you know, get some some tax
benefits now and then somebenefits also financially in the
future, because universallynobody I've talked to has loved
paying a lot of extra in taxes.
(27:02):
Or if they're getting a hugereturn, maybe they're putting
too much, maybe they'rewithholding too much.
So doing even just like a tinybit of tax planning, I think,
throughout the year, or workingwith an accountant, even if it's
just once, to kind of see howthings look, can be really
really helpful for some quickfinancial wins.
So that's something that I'vebeen spending a lot of time
(27:24):
talking with people about,especially people who have a
small business or something,even on the side and haven't
even really thought about it,things that they could do, you
know, financially to help themwhen it comes to the tax
situation.
Speaker 2 (27:36):
Well, that's awesome, and you know I mean.
The bottom line is tax planningis for everyone, as you talk
yeah, no, definitely Definitely.
Speaker 3 (27:51):
All right, well, the next question is what is one
habit that people can changewhen it comes to their money?
I think that when it comes tomoney, it's it's all about
habits.
Everything we do tends to bepretty similar to what we did
the day before, the week beforeand things like that, and so I
think that one of the thingsthat people can do, um, is
really look at their, look atwhat they're doing, look at
their spending.
(28:11):
Maybe take some time to youknow if they're not, if they're
one of those people that hatesbudget, maybe, you know, maybe
using something like an app or atool that kind of automatically
kind of categorizes things foryou, so you can actually take
like a bigger picture.
Look at where your money'sgoing.
I hear that a lot from peoplewhere they just feel like it's
disappearing, and that could bebecause they think that they
(28:34):
spend this on groceries or gasor transportation, but they're
actually spending somethingdifferent.
So I think that that could besomething, if you're trying to
change your habits, is reallykind of taking a look right now
at what you're actually doingand then deciding consciously
like is this what you want tocontinue to do or is this
(28:54):
something where you want to makesome changes.
Year end is really good to kindof take a look back and see,
like, okay, I remember one yearI spent almost I spent a couple
thousand dollars on books, andso now I've switched to going to
the library, things worked out.
I mean, it's just one of thosethings that I looked at I said,
wow, that's a pretty big part ofmy budget and that was a very I
(29:16):
mean, that was one where therewas an instant free alternative
and so sometimes I have to waitfor certain books to appear.
But it was just one of thosethings that I just didn't even
notice because it was 20 buckshere, 20 bucks there.
So kind of looking at how your,what your habits are, and then
seeing if it's something youwant to keep or if it's
something that you really don'tlike looking at, and that might
(29:36):
be one place that you can startto make some changes.
Speaker 2 (29:40):
That's awesome advice and I think that's so important
just to know your numbers, knowwhat you're doing.
If you don't know what you'redoing, you can't really make any
changes.
All right, well, the nextquestion.
Speaker 3 (29:52):
Oh, sorry, Awareness is super important when it comes
to anything that you're tryingto improve.
Speaker 2 (29:57):
Yeah, I love that.
Awareness is super importantand I think sometimes we're not
aware or we don't want to beaware of what we're doing,
especially with our money.
Oh yeah, all right.
Well, the next question is whatmoney myth are you trying to
break?
Speaker 3 (30:16):
What money myth?
I would say that there is.
You know, I think there's a lotof money myths out there.
I think the one that that Ipersonally have a hard time with
with, with some people, is kindof the ones that made one bad
decision or a couple baddecisions have just decided
universally I am bad with money,period, and so I feel like if
(30:39):
you're somebody who's toldyourself that you're bad with
money, you're going to probably,like I said before, our brains
want to be right, and so youmight continue to make decisions
that prove that right, even ifit's not making you happy or
it's hurting you.
So I feel like you know.
Some people say, you know debtis bad.
All of they put these kind ofpersonal labels on certain
(31:02):
things you know.
So I really feel like one ofthe things are renting is bad,
like, or you know, it's nevergood, and I think that just
having those polarizing viewssometimes these things are good.
I put my CFP tuition on acredit card, not a low balance,
0%, whatever credit card I couldget.
Was that a bad financialdecision?
(31:23):
Potentially, if you're lookingat it versus other things, but
if it was the only option I had,it was pretty good decision.
So I think that those labels ofthings being good or bad when it
comes to us, with our decisions, or some of the things that we
might do, like borrowing moneyor renting an apartment, all of
those things I think it'simportant to not think about
(31:44):
those as good or bad.
They're neutral.
What really is important iskind of what your personal goals
are in trying to figure out.
You know, yes, you might havehad a bad day or made a bad
choice, or maybe you wish youbought a home 10 years ago but
didn't like.
I feel like those labels candefinitely hold people back and
keep them from making progress,because we just kind of get
(32:06):
stuck in these patterns and thenjust kind of give up and say,
okay, well, I guess that's just,you know, I'm never going to be
good at this, I'm never goingto do it.
Instead of, you know, kind oflooking at the possibilities
there to do better and maybegetting rid of some of those
labels that make people feel acertain way, whether it's good
or bad.
Speaker 2 (32:25):
That's awesome.
I love that and, as you pointout, it's also the context.
You know.
At the time, putting your CFPfees on a credit card made sense
.
Yeah, yeah, and maybe in thescope of thing with everything
being perfect.
Speaker 3 (32:42):
Right, yeah, yeah, no .
If I had a million otheroptions, that wouldn't have been
the right one.
Or even when I, you know, whenI lived in Brookline,
massachusetts, right outside ofBoston, I rented because owning
was completely out of thequestion.
Did I love living thereAbsolutely?
Was it worth it?
Yeah, I think yeah it was.
And some people would say, no,it's wrong.
(33:02):
I should have lived in asmaller house out in the you
know the suburbs somewhere.
Maybe I wouldn't have wantedthat.
So I think it's.
You know, a lot of times wehave these very strong opinions
on what's right or wrong andit's not exactly useful.
Speaker 2 (33:18):
Yeah, yeah, and I think that's exactly it.
It's you know what's the rightdecision for you, you know, and
your financial journey is to notget dragged into what somebody
else feels your financialjourney should be like.
Speaker 3 (33:33):
Yeah, definitely, because they came from a
different experience as well.
Very, very few of us are onexact level playing field with
what we've got, where we'vestarted, the resources and
things like that, so definitelynot not that helpful.
Speaker 2 (33:47):
Yeah, that's awesome advice.
So you know, to start to wrapup what you know.
Let's get out the time machinefor a minute.
What advice would you give youryounger self if you could go
back in time, knowing what youknow now about money?
So you know, it sounds like youhad already started your
financial journey, but what elsewould you tell your younger
self?
Speaker 3 (34:06):
I would have probably told my younger self to to not
have been so angry.
I, you know, I I feel likethere was a lot of times and you
know, now that I'm a mom and Ihave kids that were my age where
I was so mad, you know, likewhy can't my dad just go get a
job?
Why can't he just go, you know,do something else?
(34:27):
And you know, it didn't makesense to me that we struggled
while things were kind of, whilehe was trying to figure things
out and shift gears, but youknow, and that made me feel mad,
angry at people who had morethan me.
I had to work through a ton ofthat because as a financial
planner, you're not going tohelp people build wealth if you
don't like wealthy people.
(34:49):
So there was a lot of thingsthat I definitely felt, you know
, when I was younger, that Iwish that I didn't hold on to,
and I understand I really didn'tknow any better at the time.
But yeah, like you know, somepeople aren't meant for a nine
to five job.
Some people aren't, you know,and so it was.
You know, if I could havelooked at, you know, maybe had a
(35:11):
bigger, a bigger understandingof you know who you know.
We all get to know who ourparents are eventually, you know
when we get older and stuff.
I was just so frustrated andmad, like this is what you're
supposed to do and and now Irealize that that's not
necessarily safe or better ortrue in any scenario.
It was just kind of I wish Iwas able to accept the things
(35:32):
the way they were.
Speaker 2 (35:35):
Oh, I love that Be accepting of the way things are,
and I think that's so important.
It ties into everything thatyou've been talking about,
because you know, we oftentimeswish or hope that things have
been different, but the waythings are are what they are,
and it's the moves we make goingforward, and you know so.
(35:56):
I appreciate you sharing yourjourney.
So what is your number oneabsolute favorite money resource
, whether it's a podcast, book,newsletter, app or website that
you recommend to other people.
Speaker 3 (36:12):
Let's see, I think one of the apps I've liked
lately um, well, there's two.
So, um, I think that you knowI've used Monarch Money and then
Brightfin with some clients,which is just kind of a very
simple.
You know you might not want tolook at, but I feel like, like I
said before, the awareness isso helpful.
So these apps really just kindof help you take a look at your
(36:37):
spending, how much you havecoming in and going out, and it
almost like creates thatawareness for you.
With Brightfin, it kind ofbuilds this 50-20-30 model and
you could just swipe things intothe right area, so it doesn't,
it takes all the difficulty outof it.
And then Monarch kind of haslike a beautiful little display
(36:59):
so you can see, and so I feellike the more that I've shown
those to people and work withpeople, some of the things are
the very smallest line item thatthey have, but they're taking
so much of their mental energystressing out about them and so
seeing it in kind of a visualway, um, can be really helpful
for people to be like okay, well, maybe if I just make some
changes here or do this, thingscan shape up.
So I've really loved the toolsand some of the FinTech that's
(37:20):
kind of come out there, to kindof take away some of these
question marks and guessingabout where everything's going
and what's going on or how muchwe're spending, and helping
people kind of, yeah, make somebetter choices by just just
creating that awareness.
Speaker 2 (37:39):
I think that's been really cool, that's awesome and
for everybody watching andlistening, I'll be sure to put
in links to those apps so youcan check them out.
And, of course, this is not anendorsement for the apps.
We're just mentioning them.
Speaker 3 (37:51):
If you are an Excel, spreadsheet or a pen and paper
person, that is great too.
It's just, you know, I feellike a lot of times people feel
like oh, it's so overwhelmingit's going to take too much time
, and so finding those thingsthat can get you organized
faster, I think have been reallycool.
Speaker 2 (38:08):
Yeah, that's awesome, and I'm glad you said that
about the spreadsheets, becauseit doesn't matter what you do.
Yeah, that's awesome, and I'mglad you said that about the
spreadsheets, because it doesn'tmatter what you do.
It's that you do it.
Speaker 3 (38:14):
Absolutely.
Yeah, you can definitely.
I love you know.
There's certain things that Ido even you know with my goals
and stuff.
I write them down in pen andpaper and I feel like sometimes
getting certain things out ofyour head and really writing
them down can help you reach alot more success.
Speaker 2 (38:28):
Yeah, awesome, okay.
Well, to wrap up, what is yournumber one tip on changing the
way we think about money?
Speaker 3 (38:38):
Yeah.
So I would say, if you want tochange the way you think about
money, I think sometimes itmight involve doing a little bit
of questioning your currentbeliefs.
So, and I will say not to, ifyou go, if you go to my website,
you know I do have someresources and some journal
prompts there, and then in thebook there's one at the end of
(39:01):
every chapter.
We're really because some ofthese things that we've heard
throughout our whole lifetimescan feel so true, they can feel
like facts, but a lot of timesthey're they're not, they're
just thoughts that have beenrepeated over and over again.
And so I feel like doing alittle bit of work on those
thoughts, those things that youknow you've maybe never
(39:21):
questioned, and then thinkingabout them in different ways or
asking yourself differentquestions that maybe you've
never asked yourself.
Like what would you do if youhad a million dollars and you
couldn't donate it away?
Like what, how would youactually?
You know all of these thingsthat you could kind of do to
just change the way you thinkabout money and maybe broaden it
a bit, Because we are allpretty programmed in our
thinking and a lot of times theprogramming isn't exactly
(39:45):
helpful.
So I would say, yeah,questioning some of those
beliefs about money, askingyourself different questions,
Maybe, even if no one has to seeyour answers, it can be
completely personal, you don'thave to share it with anybody.
You could write down some ofthe craziest things and just
getting you know, just kind ofthinking about things a little
bit differently, can help withthat mental aspect of personal
(40:08):
finance.
Speaker 2 (40:08):
Awesome, awesome, well.
So what is the name of yourbook?
Where can people pick up a copyof your book?
Speaker 3 (40:16):
Yeah, so my book is called demystifying money, so it
was my podcast, and so if youhead over to misty lynchcom you
can find the link to the book onAmazon or catch up with old
episodes of the podcast.
Really love talking about this,this stuff kind of the podcast.
I really love talking aboutthis stuff kind of, you know,
breaking down some of the fears,the shame, some of the you know
(40:37):
, some of the blocks that we'veput up in place, that really
only exist in our own head, andtrying to find ways to help more
people be successful and definewhat that actually looks like
for them instead of what it'ssupposed to be.
Speaker 2 (40:53):
That's awesome and for everybody watching and
listening.
As always, there will be linksto Misty's book podcast and
website in the show notes, soyou can be sure to pick up a
copy of her book, listen to thepodcast and check out her
website.
So, misty, thanks for joiningus today on the Get Ready Money
podcast.
Speaker 3 (41:13):
Thank you for having me.
Speaker 2 (41:15):
Yeah, and thank you everyone, as always, for tuning
in to this episode of the GetReady Money podcast.
If you learned something todayto change the way you think
about money, please be sure tosubscribe and to tell a friend.
Until next time, let's changethe way we think about money.
Are you looking to get ready, be prepared and
transform your financial future?
Then you've come to the rightplace.
This is the Get Ready MoneyPodcast with Tony Stewart, where
Tony has insightfulconversations with financial
experts who are changing the waywe think about money.
Catch up on the latestfinancial trends and hear
(00:27):
practical advice from Tony andhis expert guests so you can
build healthy habits that work,Be empowered with tips for
implementing small changes thatcan have a big impact on your
financial future.
So sit back and get ready tohear from today's guest.
Speaker 2 (00:48):
Welcome to the Get Ready Money podcast changing the
way we think about money.
I'm pleased to be joined todayby Misty Lynch.
Misty is the CEO of SoundviewAdvisors as well as a podcast
and reality TV show host.
In this episode, we'll bediscussing Misty's insights on
how we change the way we thinkabout money and how to improve
(01:09):
our relationship with money.
Misty, welcome to the Get ReadyMoney podcast.
Thanks for joining us today.
Speaker 3 (01:14):
Thank you for having me on today, Tony.
Speaker 2 (01:17):
Yeah, excited for this conversation.
So this is where I start withall the guests.
Tell us a little bit aboutyourself.
What is your origin story?
Where I start with all?
Speaker 3 (01:25):
the guests.
Tell us a little bit aboutyourself.
What is your origin story?
Well, I guess I've always kindof been interested in money.
I suppose my origin story inthe finance world probably
starts in about like sixth grade, so when I was a child you know
, my kids are 10 and 12 now, sokind of most of my life up to
that point my father owned abusiness and we were pretty
(01:46):
successful, financially At least.
We didn't worry or think aboutmoney very much at all.
And then around 1990 or 91, myfather's business dried up,
changed, and so it was reallykind of an interesting time
where I felt like all we talkedabout at home was money.
It was a huge issue for ourfamily and, you know, kind of
(02:09):
kind of a scary time where wehad to do things like we had to
move, we had to sell our home,we had to sell the cars, we had
to like.
Everything seemed to change inmy mind as a child like
overnight.
And so you know, I felt like,you know, I'd seen comfort, I've
seen, you know.
And then we kind of moved intoa different environment where we
were in smaller apartments andliving in a town, where we moved
(02:33):
into a great town, where it waspretty small town, good schools
, but I could tell there was abig difference between me and a
lot of the other kids in thetown who were riding horses and
doing all sorts of differentthings with their spare time.
So, yeah, I remember being insixth grade and we did a stock
market contest and I rememberjust being so fascinated with
the idea of taking your money,putting it somewhere else in
(02:55):
businesses and investing it andthen having that, you know, to
grow wealth that way, and so Ithought I'd solved my parents'
problems.
Now I've learned a lot moreabout personal finance to know
that you can't invest your wayout of poverty.
You know, like there's there'scertain things that you know
have to happen in order to dowell.
But the thought stayed in myhead about how do I figure this
(03:16):
out?
Because I really, you know itwas hard to see the struggles
that we face on a pretty regularbasis, being, you know,
entrepreneurs and you know,trying to figure out a way to
get by.
And so, yeah, I always kind ofwas interested in money.
At least I wasn't afraid of it,just because I think I was so
numb to talking about it all thetime, because it just seemed
(03:37):
like it was always part of ourlives.
So that's kind of where I got mystart and then, you know, went
to college at UConn, kind ofgraduated and got a job in
insurance at first, because thatwas what was hiring and I lived
in Connecticut and there was alot of good companies and good,
good jobs and so.
But then I kind of fell backinto planning and investing when
(03:57):
that field kind of was evenrevealed to me as an even an
option at that point.
So yeah, I've worked in alldifferent areas.
As far as you know, worked atJohn Hancock for a while in
compliance, and just always kindof stayed in the space but
really felt, like, you know, thecalling to go work with people
independently, one-on-one, totake them from the beginning to
(04:17):
end, and do the investing, dothe planning together.
That really, you know, that wasalways in the back of my mind,
even though I was very afraid ofbeing self-employed because of
what I'd seen in the past.
But so now, you know, thingskind of worked out and around
2020, I turned 40, decided I wasjust going to do it.
So I ended up leaving a nicecorporate job to be, you know, a
(04:41):
financial advisor and CFP withmy own clients and really
haven't looked back from there.
Speaker 2 (04:48):
That's awesome.
That's quite a story and somuch in there.
One of the things I waswondering if we could talk about
for a minute is the fear thatyou overcame, because so many
people have fear when it relatesto their financial lives and
you could have let the fearparalyze you, but you didn't.
Do you have any tips for peoplewho are feeling that fear
themselves?
Speaker 3 (05:09):
Oh, yeah, I think I've.
I've talked to you know, peopleare feeling a lot of fear
lately and I think, maybe youknow, I I was afraid that, if
you know, I was self-employedlike what if all my clients
leave?
What if I end up in thissituation?
And I realized, though, becauseI'd gone through it personally
we didn't die when I felt likewe didn't things changed, but
(05:37):
like what happens, and so I kindof saw the worst case scenario
and was able, in my head, tothink like, okay, well, I have
more money saved now before Ileft.
You know, or, okay, this is,you know, this is how much it
costs to be us a month.
I knew those things from.
I've been a CFP since 2011,.
Years before I left to actuallywork for myself.
And my worst case scenario likemy biggest fear, you know,
(05:59):
because I'd seen running out ofmoney and so I'd kind of always
planned for that.
But I think, when I think aboutwhat my biggest fear would be,
sometimes I'll talk to peopleand say, you know, okay, maybe
they're debating leaving acompany or going to work for
themselves or doing taking arisk on their own, on themselves
, and then we'll ask them likeokay, well, what's the worst
(06:20):
case scenario and they're like,well, I'd go get a job like this
, and so, basically the worstcase scenario.
And they're like, well, I'd goget a job like this.
And so, basically, the worstcase scenario is exactly what
they're doing today, every day.
To me, that's kind of scary tofeel like I'd rather live my
worst case scenario on a dailybasis than take a risk that
could lead to a lot morehappiness.
So it's, there's always goingto be a little bit of fear and
(06:42):
there's nothing that's really ahundred percent safe, whether
you work for someone else or foryourself.
So I think, really, sometimesit's just letting our brains get
the best of us that keeps usfrom doing anything different,
because really we want to stayalive.
And so all those fears, they'redefinitely.
They're definitely real andthey're definitely something
that people you know it's hardto work through on your own.
(07:03):
They're definitely real andthey're definitely something
that people you know it's hardto work through on your own.
Speaker 2 (07:07):
Well, I think that's well.
You said so much in there.
That's amazing.
But I think one of the thingsis the fears are real and
legitimate.
But I love you know what yousaid about asking yourself
what's the worst possible thingthat can happen, and usually
it's not that bad or it'ssomething that you can overcome.
Speaker 3 (07:27):
Yeah, or it might be like you know, I've seen some
people who really don't liketheir nine to five job or they
don't like their boss, and sothey know they could get another
job like that again, and sosometimes it's it's tricky and
sometimes it takes a while to.
And also, looking at the math,how much does it cost?
How much do you need to make?
(07:48):
How much maybe you don't needto make?
What your salary is in order to, you know, live your life the
way that you want?
It just feels like that's whatyou're worth, because that's
what somebody has paid you inthe past.
So we don't spend a lot of timethinking about these things or
poking at them or askingquestions, because we're just,
you know, we're busy with theday to day things that go on in
(08:09):
our lives.
So it's really worth someconversations, and sometimes
it's not the right thing forpeople to you know, work for
themselves or anything.
There's a lot of different waysto make it work, but if you're
somebody who's feeling that thatfear, but that pull is still
there to do something different,eventually it might get too
hard to ignore that's awesome.
Speaker 2 (08:28):
Yeah, you know, I, I hear you and I think you also
said something there too.
That I wanted to key on is thatit's important to have the
conversations and to talk aboutit because, like in your
situation, part of it goes backto your experiences as a kid,
and I know that, while mysituation I was fortunate, it
was my grandfather and not myfather, but hearing about my
(08:51):
grandfather going broke really,you know, impacted my early
thinking on financial stability.
It's like he lost everything.
He owned a chain of laundromatsOkay, I'm going to date myself
because this was during thegreat depression, so I'm dating
myself a little bit here.
But you know, hearing thosestories, you know that he had a
(09:14):
successful business and he lostit and you know what he went
through to regain his financialstability.
It impacted me, it impacted myfather and him being a little
conservative with hisinvestments.
So those things are real.
Speaker 3 (09:33):
Yeah, and I think you know you could have two people
in the same family that have adifferent experience coming out
of it.
So, especially when I talk topeople in relationships where
they're like, well, I don'tunderstand why they think this
way and I don't understand whythey think this way and I don't
understand why they think thisway, we all have such a
different experience, especiallywith money, which is something
that we start to pick up on whenwe're very young, even before
we even know how to use it, andso it's very unlikely that two
(09:57):
people would have the exact samebeliefs.
But I think in general, if youcould kind of find some
consensus, there can be a lot ofsuccess.
But it's definitely verypersonal and it can feel like
the truth, even though it justis what's happened to us or what
we've been told over and overagain.
So it's really interesting whenyou get people especially when
you get people together,business partners or couples to
(10:18):
talk about it Really see if youcan make some progress at least
on understanding each otherreally see if you can make some
progress at least onunderstanding each other.
Speaker 2 (10:31):
Yeah, well, and you know, as you point out is you
can't deny someone's truth,right?
That is how they're feeling andit's important to deal with
that, especially as an advisor.
Is you know that I know whenclients would open up to me
about something?
Is you know that's somethingthat's real to them, whether or
not it's legit?
You know I don't want to usethe word legitimate, but that's
not quite the right word, butyou know that's how they're
(10:52):
feeling and they're interpretingthings.
And that is an advisor.
I think that's something youneed to work through with your
clients and that sometimesthat's the reason why clients
don't do certain things, insteadof the clients not being
responsive or forgetting.
Speaker 3 (11:08):
No, I had a friend who was very interested in being
a CFP and this was when I wasin corporate and he he'd seen me
meet with somebody when we weredoing some financial planning
internally at work and he waslike I don't think I could do
this.
That person's not going tolisten to you, they're not going
to do what you said.
And I said, of course theymight not do what I say.
That's not the point.
You know.
(11:32):
I understand we want people to,you know, and I'm sure that,
like everybody knows the rightthing they should do.
They know what they should.
You know they should spend lessthan they make, that they
should eat the salad instead ofthe donut, but it doesn't mean
we do it.
There's all sorts of thingsthat go on in our head, and so I
think that our job as advisorsis really to understand and try
to help people as much as we can, not just, you know, tell them
(11:53):
what to do and hope for the best, because there could be a lot
of reasons behind theirreluctance to change.
So I think it's reallyinteresting to know that as
advisors, we have our own biasesas well, and so just to be
open-minded and really thinkabout the behavioral end and
that side of personal financethat has just as much of an
(12:14):
impact as the math and thenumbers.
Speaker 2 (12:18):
I think so, because that was something that I always
you know that it firstmystified me is why would very
smart people, presented with acertain use case, not make what
I would consider like, hey, thisis a no brainer decision.
Yeah, Because it was deeperthan that.
Speaker 3 (12:38):
Yeah, and a lot of times it could come.
It could be like not just, youknow, showing a report and
saying this is what we could doit really sometimes.
Sometimes I have to, you know,approach it in different ways,
and different scenarios make itfeel real or kind of.
You know, a lot of people havea tough time even imagining
themselves being 78 years old,like they can't even think about
that future person that they'retrying to take care of, while
(12:59):
they have these things that areon fire right now in their
financial life.
So, you know, it's really justkind of figuring out ways to get
them to, you know, kind ofmaybe see things or even be open
to seeing things in a differentway as opposed to what, what
they've always done, which mighthave, you know, kept them in a
spot where they're notcompletely happy.
But people also don't like tobe wrong either.
(13:21):
So it's definitely kind ofbeing sensitive to that.
Yeah, these might've been thebest decisions they could make
at the time, based on what theyknew, but the shame and the
guilt isn't going to helpanybody make progress.
Speaker 2 (13:34):
Yeah, and clients don't want to be told that they
made a wrong move.
They're human and you know atthat time it seemed like the
right move, even if it wassomething.
You know, I dealt with peoplewho had been victims of
financial predators and even atthat point sometimes you know
they defend the decisions theymade and that was really hard to
(13:56):
break through.
Speaker 3 (14:01):
But it's, you know that that's part of what
financial partners in all thesesituations like, take advantage
of is that people might not sayanything, or they might not
because it's, it's embarrassingor they don't want to.
You know, want people to thinkthat they, you know, aren't,
aren't smart, or that they'relosing their capabilities to
make these decisions, whenactually some of these scams and
things that we're seeing latelyare very sophisticated.
(14:22):
So, definitely, having having aperson you could talk to and
trust even if it's not maybe itis a financial advisor or
somebody that you work with thatmight be, you know, the only
person that you say some ofthese things out loud to and it
can be really helpful,especially if you're struggling,
you know, with some things thatare going on in your financial
life.
Speaker 2 (14:41):
Yeah, I mean, one of the worst cases I was involved
with, you know, as a litigationconsultant, was an elderly
couple and the husband had beena very successful attorney and
he'd been taken advantage of itand it was very hard for him to
admit and to work through it.
(15:03):
He eventually did but he didn'twant to tell his kids Very
embarrassed about the wholething, but it was something
where it was set up for him toeasily fall into and that's the
trap that anybody can fall into,that kind of trap.
Speaker 3 (15:22):
Yeah, no, it's definitely.
You know, and I think thatthat's something that happens
with a lot of different thingsand fine, and you know, people
make one financial mistake andthey feel like that defines who
they are forever.
And I don't think that's true.
I think it's more true that allof us have made some decisions
that if we could go back inhindsight, we would do
differently, but it doesn'tnecessarily dictate how things
will be for us in the future.
(15:43):
I know I've certainly made myshare of mistakes and I used to
try to hide them.
I used to try to hide the factthat I didn't come from money
when I first went into financeand it just made for a very
inauthentic version of myselfthat wasn't very successful.
And so I feel like more peoplecan kind of relate to like, yeah
, these, these are somesituations that we're seeing
people just like you are having,you know, similar, similar
(16:06):
problems and kind of making surethat it's less, you know, less
shame and guilt around all ofthese things that happen in a
lot of people's lives.
Divorce is all sorts of thingsthat people go through that they
feel alone, but they'reprobably not.
Speaker 2 (16:19):
Yeah, that's it.
You're not as alone as youthink you are.
So you know, I want to ask youreal quick.
You know you're the I thinkyou're the first reality TV
series host I've had on the show.
So congratulations, I guess.
Oh, so tell us a bit about youknow your series Heartbroke.
What is it?
Speaker 3 (16:43):
Yeah, so this was kind of an interesting thing.
There was there was, I think,an Instagram post that my friend
who I used to work with incorporate had seen and they were
looking for somebody.
They were looking for like afinancial planner and a
therapist and kind of acombination or two different
people, and she sent it to meand said I think they're looking
for you.
So I sent this random messageout to this casting director and
(17:04):
and I just kind of introducedmyself.
This was all during COVID bythe way too.
So I was working from my atticand it was really looking to
kind of, you know, just really.
You know I love creatingcontent but just like thinking
of like ways that you couldconnect with more people.
And so it was just aninteresting thing and it ended
up working out where, um, theSingleton foundation, which is a
wonderful foundation that islooking to um kind of combine,
(17:27):
um, entertainment and, um,financial literacy, so how to
get more people to pay attentionto this in consumable,
consumable ways that areinteresting.
So they put together a showcalled Heartbroke where they
would work with, you know, 10couples who are in all sorts of
you know different financialsituations, different
(17:50):
backgrounds, and try to figureout.
But all these couples had incommon was they were fighting a
lot about money and were kind ofat the point where it was
either going to end therelationship, maybe the
relationship would go to thenext level.
And so I went to California andI worked with 10 couples and
(18:10):
kind of talked to them, not justabout we did some financial
planning, real financialplanning, got the numbers.
Some financial planning, realfinancial planning got the, got
the numbers how much they made,what they had, um, how much it
costs to be them, and thentalked about their feelings and
thoughts about money and whatshaped them and where they came
from, to see if we could get um,you know to, to help these
(18:31):
relationships, you know.
And so it was such aninteresting experience.
And then I went back six weekslater to see how the couples
were doing Short episodesthey're probably about 12 to see
a start to finish.
We kind of like to see howthings, what happened afterwards
(19:02):
, but we're also very short ontime, and so this was a YouTube
series and it was really justsuch a such a great experience.
It was a challenge for mebecause a lot of times, as
financial planners, we'reworking with people that have
money or have some money savedor they're, you know, very
focused on this, and so this wasa little bit different, where
(19:23):
financial literacy levels rangeda great deal from none to very
focused on the finances andknowing every dollar that was
going in and out of the door.
So it was a great experienceand I really I loved working
with the different couples andreally, really challenging
myself when it came to, you know, trying to get results really
(19:44):
quickly, which is interestingbecause I think in our world,
yes, saving and investing cantake time, but making changes
can happen really quickly ifyour mindset is right.
Speaker 2 (19:56):
That's awesome.
Do you have a quick tip thatyou'd give couples that are, I
guess, in disagreement aboutmoney, for lack of a better word
?
Speaker 3 (20:04):
Yeah.
So I think that a lot of times,like I kind of mentioned before
, we'd rather be right thanhappy, and so if we think it's
right to save everything that wemake and not spend and not
splurge on anything, andsomebody else feels like you
know, you only live once, weshould do this thing, it's going
to be very hard for you toconvince the other person that
(20:24):
you're right, um, but I thinkthat if we can be a little more
open-minded about why this isimportant to you, because a lot
of times these couples lovedeach other, you know there was a
lot of things that they likedabout each other.
Some of them probably wereattracted to the way that their
partner was very different withthem, or more free spirited, or
maybe they were moreconservative and like that
(20:46):
that's, you know, solidity kindof made them more attracted.
So trying to, instead offocusing so much on, you know,
trying to be right, is reallyjust trying to maybe come to
some common ground, like what doyou both want to do together?
What are some of the goals thatyou really both feel strongly
about?
And usually there will besomething and then trying to
(21:06):
figure out like okay, if we lookat the financial plan.
Can we afford this?
And sometimes people underspendbecause of fear, and some
people overspend because theydon't know what's going on.
So really looking at it andsaying like, okay, well now, if
we do all these things, and thenit comes down to like making
just making decisions, like okay, I think we could do this, or I
(21:27):
think we could do this in twoyears, or I think we could do
this here and kind of gettingthat clarity, because a lot of
times we just don't really knowwhat the numbers look like
because we've never reallylooked at anything besides the
checking account and kept, keptworking and so really getting a
better understanding about likethem financially as a couple,
maybe you know, I think, one ofthe scenarios we looked at the
(21:49):
money things looked good andthey didn't have to fight over
if he got extra guac on hisburrito, because those two
dollars that meant a lot to himand made her really frustrated
long term didn't amount to much.
Speaker 2 (22:05):
So so it was a fun experience that's awesome and I
think you know it sounds likethe real basis.
There is communication, yeah,and having the conversations
yeah, communication is soimportant.
Speaker 3 (22:19):
A lot of times that's where it kind of stops, like
when we get frustrated, like youknow you either don't talk
about it, you put your head inthe sand, or you know you talk
to other people about it and notthe person that you're trying
to work on the relationship with.
So, yeah, communication andeven like working on your own
thoughts in your own work youcould do yourself, can improve a
relationship without anybodyelse participating at all.
(22:39):
So kind of you know, even inyou know, in my book and when I
was talking with the couples,like there was even some journal
prompts, some things that theycould do on their own to try to
get to like why are they soupset about this?
Why is you know what, like whatmight be?
You know what they might bethinking or feeling, and that
kind of work can be reallyhelpful even if you you don't
(22:59):
have anybody, you know, ifyou're the only one doing the
work.
Speaker 2 (23:03):
That's awesome.
That's awesome.
Well, let's switch gears.
The next set of questions hereto get ready questions.
These are sort of quick answerquestions that I ask all of my
guests.
The first one is what basicmoney concept do you wish people
knew?
Speaker 3 (23:19):
You know, I do think the basic, you know, the basics
of investing, I think, areimportant.
I come from a family thatdoesn't have any, didn't have
anything invested or saved forthe future, um, and we did
experience some really goodtimes, you know, financially, in
like the 80s, where if just apiece of that money was put away
, things, life would becompletely different.
(23:39):
Or people with young childrenthat are like, oh, education is
going to be, even if they startreally small, really early, just
the way that compoundingreturns works, because it is
really, it's really fascinating.
Some people I've talked to whohave, you know, a million
dollars saved for retirement.
They didn't do anything elseexcept for sign up for the 401k
(24:00):
when they first started, put inwhat somebody told them to put
in and just continue to work andmove on.
So I think that that feelingthat it has to take so much to
get started or that it's sodifficult, I really you know, I
hope, or that you know there'sjust not enough, because I feel
like if you really get, if youkind of decide to pay yourself
first and put something away andjust keep going and being
(24:23):
consistent with it, it can bereally life changing.
And I've, you know, I've seenhow hard it is when you don't so
, and that's one of those thingsthat I just wish.
I wish more people knew because, unfortunately, like there
really isn't much of a safetynet anymore for people, you know
there's the pensions and thesocials.
(24:44):
All those things are kind ofthey're not going to do enough,
and so I think that that, yeah,starting small and starting
early can have such a hugeimpact.
Speaker 2 (24:54):
That's awesome and that's advice I hear from so
many guests, especially aboutthe power of compounding
interest, and for people whowatch and listen to the show for
a while, there is an episodejust about the power of
compounding interest that I'llreference in the show links so
everybody can go back, becausethere is nothing like compound
interest compound interest.
Speaker 3 (25:20):
Yeah, and I'm glad you know I, if I, if I didn't do
that, like I didn't haveanything when I first, you know,
graduated college and startedworking, you know, but they save
like kind of having somethingput aside, even if I wasn't sure
it allowed me the freedom to go, you know, to leave a
comfortable job, you know, tomake decisions that I might not
have been able to make if Ididn't have, you know, something
to kind of look at and be likeokay, here's my, you know,
(25:40):
backup, backup plan Ifeverything, if nothing works out
.
So it does give you more, moreoptions and and and freedom in
the future.
Speaker 2 (25:49):
That's awesome.
That's awesome.
What is one simple thing thatpeople can do each year to set
themselves up for financialsuccess?
Speaker 3 (26:00):
I think one thing that they can do each year to
set themselves up for financialsuccess.
I think one thing that they cando and this is something that
I've just started to do withsome clients lately is kind of
look at I would look at yourtaxes, and this is a big expense
for a lot of people and it'ssomething that a lot of you know
people don't really look at,you know, on a regular basis.
But yeah, kind of maybe doingsome.
You know on a on a regularbasis, uh, but yeah, kind of
(26:20):
maybe doing doing some.
You know, when you, when you'relooking at you know, did you
put enough?
You know, could you have somebenefits if you put more money
in your 401k or if you'reself-employed, could you bring
down your taxable income if youmaybe set up a retirement plan
for yourself and put some ofthat you know profit aside?
And I think some people, youknow, just don't even know
(26:41):
really what the taxes look like,and so that's something where I
feel like people might be ableto have some quick wins or maybe
they could take advantage ofthings like a health savings
account or something where theycan, you know, get some some tax
benefits now and then somebenefits also financially in the
future, because universallynobody I've talked to has loved
paying a lot of extra in taxes.
(27:02):
Or if they're getting a hugereturn, maybe they're putting
too much, maybe they'rewithholding too much.
So doing even just like a tinybit of tax planning, I think,
throughout the year, or workingwith an accountant, even if it's
just once, to kind of see howthings look, can be really
really helpful for some quickfinancial wins.
So that's something that I'vebeen spending a lot of time
(27:24):
talking with people about,especially people who have a
small business or something,even on the side and haven't
even really thought about it,things that they could do, you
know, financially to help themwhen it comes to the tax
situation.
Speaker 2 (27:36):
Well, that's awesome, and you know I mean.
The bottom line is tax planningis for everyone, as you talk
yeah, no, definitely Definitely.
Speaker 3 (27:51):
All right, well, the next question is what is one
habit that people can changewhen it comes to their money?
I think that when it comes tomoney, it's it's all about
habits.
Everything we do tends to bepretty similar to what we did
the day before, the week beforeand things like that, and so I
think that one of the thingsthat people can do, um, is
really look at their, look atwhat they're doing, look at
their spending.
(28:11):
Maybe take some time to youknow if they're not, if they're
one of those people that hatesbudget, maybe, you know, maybe
using something like an app or atool that kind of automatically
kind of categorizes things foryou, so you can actually take
like a bigger picture.
Look at where your money'sgoing.
I hear that a lot from peoplewhere they just feel like it's
disappearing, and that could bebecause they think that they
(28:34):
spend this on groceries or gasor transportation, but they're
actually spending somethingdifferent.
So I think that that could besomething, if you're trying to
change your habits, is reallykind of taking a look right now
at what you're actually doingand then deciding consciously
like is this what you want tocontinue to do or is this
(28:54):
something where you want to makesome changes.
Year end is really good to kindof take a look back and see,
like, okay, I remember one yearI spent almost I spent a couple
thousand dollars on books, andso now I've switched to going to
the library, things worked out.
I mean, it's just one of thosethings that I looked at I said,
wow, that's a pretty big part ofmy budget and that was a very I
(29:16):
mean, that was one where therewas an instant free alternative
and so sometimes I have to waitfor certain books to appear.
But it was just one of thosethings that I just didn't even
notice because it was 20 buckshere, 20 bucks there.
So kind of looking at how your,what your habits are, and then
seeing if it's something youwant to keep or if it's
something that you really don'tlike looking at, and that might
(29:36):
be one place that you can startto make some changes.
Speaker 2 (29:40):
That's awesome advice and I think that's so important
just to know your numbers, knowwhat you're doing.
If you don't know what you'redoing, you can't really make any
changes.
All right, well, the nextquestion.
Speaker 3 (29:52):
Oh, sorry, Awareness is super important when it comes
to anything that you're tryingto improve.
Speaker 2 (29:57):
Yeah, I love that.
Awareness is super importantand I think sometimes we're not
aware or we don't want to beaware of what we're doing,
especially with our money.
Oh yeah, all right.
Well, the next question is whatmoney myth are you trying to
break?
Speaker 3 (30:16):
What money myth?
I would say that there is.
You know, I think there's a lotof money myths out there.
I think the one that that Ipersonally have a hard time with
with, with some people, is kindof the ones that made one bad
decision or a couple baddecisions have just decided
universally I am bad with money,period, and so I feel like if
(30:39):
you're somebody who's toldyourself that you're bad with
money, you're going to probably,like I said before, our brains
want to be right, and so youmight continue to make decisions
that prove that right, even ifit's not making you happy or
it's hurting you.
So I feel like you know.
Some people say, you know debtis bad.
All of they put these kind ofpersonal labels on certain
(31:02):
things you know.
So I really feel like one ofthe things are renting is bad,
like, or you know, it's nevergood, and I think that just
having those polarizing viewssometimes these things are good.
I put my CFP tuition on acredit card, not a low balance,
0%, whatever credit card I couldget.
Was that a bad financialdecision?
(31:23):
Potentially, if you're lookingat it versus other things, but
if it was the only option I had,it was pretty good decision.
So I think that those labels ofthings being good or bad when it
comes to us, with our decisions, or some of the things that we
might do, like borrowing moneyor renting an apartment, all of
those things I think it'simportant to not think about
(31:44):
those as good or bad.
They're neutral.
What really is important iskind of what your personal goals
are in trying to figure out.
You know, yes, you might havehad a bad day or made a bad
choice, or maybe you wish youbought a home 10 years ago but
didn't like.
I feel like those labels candefinitely hold people back and
keep them from making progress,because we just kind of get
(32:06):
stuck in these patterns and thenjust kind of give up and say,
okay, well, I guess that's just,you know, I'm never going to be
good at this, I'm never goingto do it.
Instead of, you know, kind oflooking at the possibilities
there to do better and maybegetting rid of some of those
labels that make people feel acertain way, whether it's good
or bad.
Speaker 2 (32:25):
That's awesome.
I love that and, as you pointout, it's also the context.
You know.
At the time, putting your CFPfees on a credit card made sense
.
Yeah, yeah, and maybe in thescope of thing with everything
being perfect.
Speaker 3 (32:42):
Right, yeah, yeah, no .
If I had a million otheroptions, that wouldn't have been
the right one.
Or even when I, you know, whenI lived in Brookline,
massachusetts, right outside ofBoston, I rented because owning
was completely out of thequestion.
Did I love living thereAbsolutely?
Was it worth it?
Yeah, I think yeah it was.
And some people would say, no,it's wrong.
(33:02):
I should have lived in asmaller house out in the you
know the suburbs somewhere.
Maybe I wouldn't have wantedthat.
So I think it's.
You know, a lot of times wehave these very strong opinions
on what's right or wrong andit's not exactly useful.
Speaker 2 (33:18):
Yeah, yeah, and I think that's exactly it.
It's you know what's the rightdecision for you, you know, and
your financial journey is to notget dragged into what somebody
else feels your financialjourney should be like.
Speaker 3 (33:33):
Yeah, definitely, because they came from a
different experience as well.
Very, very few of us are onexact level playing field with
what we've got, where we'vestarted, the resources and
things like that, so definitelynot not that helpful.
Speaker 2 (33:47):
Yeah, that's awesome advice.
So you know, to start to wrapup what you know.
Let's get out the time machinefor a minute.
What advice would you give youryounger self if you could go
back in time, knowing what youknow now about money?
So you know, it sounds like youhad already started your
financial journey, but what elsewould you tell your younger
self?
Speaker 3 (34:06):
I would have probably told my younger self to to not
have been so angry.
I, you know, I I feel likethere was a lot of times and you
know, now that I'm a mom and Ihave kids that were my age where
I was so mad, you know, likewhy can't my dad just go get a
job?
Why can't he just go, you know,do something else?
(34:27):
And you know, it didn't makesense to me that we struggled
while things were kind of, whilehe was trying to figure things
out and shift gears, but youknow, and that made me feel mad,
angry at people who had morethan me.
I had to work through a ton ofthat because as a financial
planner, you're not going tohelp people build wealth if you
don't like wealthy people.
(34:49):
So there was a lot of thingsthat I definitely felt, you know
, when I was younger, that Iwish that I didn't hold on to,
and I understand I really didn'tknow any better at the time.
But yeah, like you know, somepeople aren't meant for a nine
to five job.
Some people aren't, you know,and so it was.
You know, if I could havelooked at, you know, maybe had a
(35:11):
bigger, a bigger understandingof you know who you know.
We all get to know who ourparents are eventually, you know
when we get older and stuff.
I was just so frustrated andmad, like this is what you're
supposed to do and and now Irealize that that's not
necessarily safe or better ortrue in any scenario.
It was just kind of I wish Iwas able to accept the things
(35:32):
the way they were.
Speaker 2 (35:35):
Oh, I love that Be accepting of the way things are,
and I think that's so important.
It ties into everything thatyou've been talking about,
because you know, we oftentimeswish or hope that things have
been different, but the waythings are are what they are,
and it's the moves we make goingforward, and you know so.
(35:56):
I appreciate you sharing yourjourney.
So what is your number oneabsolute favorite money resource
, whether it's a podcast, book,newsletter, app or website that
you recommend to other people.
Speaker 3 (36:12):
Let's see, I think one of the apps I've liked
lately um, well, there's two.
So, um, I think that you knowI've used Monarch Money and then
Brightfin with some clients,which is just kind of a very
simple.
You know you might not want tolook at, but I feel like, like I
said before, the awareness isso helpful.
So these apps really just kindof help you take a look at your
(36:37):
spending, how much you havecoming in and going out, and it
almost like creates thatawareness for you.
With Brightfin, it kind ofbuilds this 50-20-30 model and
you could just swipe things intothe right area, so it doesn't,
it takes all the difficulty outof it.
And then Monarch kind of haslike a beautiful little display
(36:59):
so you can see, and so I feellike the more that I've shown
those to people and work withpeople, some of the things are
the very smallest line item thatthey have, but they're taking
so much of their mental energystressing out about them and so
seeing it in kind of a visualway, um, can be really helpful
for people to be like okay, well, maybe if I just make some
changes here or do this, thingscan shape up.
So I've really loved the toolsand some of the FinTech that's
(37:20):
kind of come out there, to kindof take away some of these
question marks and guessingabout where everything's going
and what's going on or how muchwe're spending, and helping
people kind of, yeah, make somebetter choices by just just
creating that awareness.
Speaker 2 (37:39):
I think that's been really cool, that's awesome and
for everybody watching andlistening, I'll be sure to put
in links to those apps so youcan check them out.
And, of course, this is not anendorsement for the apps.
We're just mentioning them.
Speaker 3 (37:51):
If you are an Excel, spreadsheet or a pen and paper
person, that is great too.
It's just, you know, I feellike a lot of times people feel
like oh, it's so overwhelmingit's going to take too much time
, and so finding those thingsthat can get you organized
faster, I think have been reallycool.
Speaker 2 (38:08):
Yeah, that's awesome, and I'm glad you said that
about the spreadsheets, becauseit doesn't matter what you do.
Yeah, that's awesome, and I'mglad you said that about the
spreadsheets, because it doesn'tmatter what you do.
It's that you do it.
Speaker 3 (38:14):
Absolutely.
Yeah, you can definitely.
I love you know.
There's certain things that Ido even you know with my goals
and stuff.
I write them down in pen andpaper and I feel like sometimes
getting certain things out ofyour head and really writing
them down can help you reach alot more success.
Speaker 2 (38:28):
Yeah, awesome, okay.
Well, to wrap up, what is yournumber one tip on changing the
way we think about money?
Speaker 3 (38:38):
Yeah.
So I would say, if you want tochange the way you think about
money, I think sometimes itmight involve doing a little bit
of questioning your currentbeliefs.
So, and I will say not to, ifyou go, if you go to my website,
you know I do have someresources and some journal
prompts there, and then in thebook there's one at the end of
(39:01):
every chapter.
We're really because some ofthese things that we've heard
throughout our whole lifetimescan feel so true, they can feel
like facts, but a lot of timesthey're they're not, they're
just thoughts that have beenrepeated over and over again.
And so I feel like doing alittle bit of work on those
thoughts, those things that youknow you've maybe never
(39:21):
questioned, and then thinkingabout them in different ways or
asking yourself differentquestions that maybe you've
never asked yourself.
Like what would you do if youhad a million dollars and you
couldn't donate it away?
Like what, how would youactually?
You know all of these thingsthat you could kind of do to
just change the way you thinkabout money and maybe broaden it
a bit, Because we are allpretty programmed in our
thinking and a lot of times theprogramming isn't exactly
(39:45):
helpful.
So I would say, yeah,questioning some of those
beliefs about money, askingyourself different questions,
Maybe, even if no one has to seeyour answers, it can be
completely personal, you don'thave to share it with anybody.
You could write down some ofthe craziest things and just
getting you know, just kind ofthinking about things a little
bit differently, can help withthat mental aspect of personal
(40:08):
finance.
Speaker 2 (40:08):
Awesome, awesome, well.
So what is the name of yourbook?
Where can people pick up a copyof your book?
Speaker 3 (40:16):
Yeah, so my book is called demystifying money, so it
was my podcast, and so if youhead over to misty lynchcom you
can find the link to the book onAmazon or catch up with old
episodes of the podcast.
Really love talking about this,this stuff kind of the podcast.
I really love talking aboutthis stuff kind of, you know,
breaking down some of the fears,the shame, some of the you know
(40:37):
, some of the blocks that we'veput up in place, that really
only exist in our own head, andtrying to find ways to help more
people be successful and definewhat that actually looks like
for them instead of what it'ssupposed to be.
Speaker 2 (40:53):
That's awesome and for everybody watching and
listening.
As always, there will be linksto Misty's book podcast and
website in the show notes, soyou can be sure to pick up a
copy of her book, listen to thepodcast and check out her
website.
So, misty, thanks for joiningus today on the Get Ready Money
podcast.
Speaker 3 (41:13):
Thank you for having me.
Speaker 2 (41:15):
Yeah, and thank you everyone, as always, for tuning
in to this episode of the GetReady Money podcast.
If you learned something todayto change the way you think
about money, please be sure tosubscribe and to tell a friend.
Until next time, let's changethe way we think about money.
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