March 18, 2025 • 42 mins
On the latest episode of The Get Ready Money Podcast, I spoke with Anthony Delauney, author and financial dadvisor about changing the way we think about money and helping kids become financially literate.
In this episode we discussed:
- The number one reason that people don’t achieve their goals is fear of judgment.
- Help your kids form their own opinion.
- Let your kids make the choice.
- You can introduce concepts at an early age.
- The most critical lessons are the fundamentals.
Anthony Delauney is a financial Dadvisor and the founder of Owning the Dash, LLC, an organization dedicated to promoting childhood financial literacy and family financial freedom. Delauney has written a series of award-winning children’s picture books that each teach basic lessons about money. He has also authored two financial self-help books geared toward helping young couples start their financial journey and toward helping older couples prepare for their transition into retirement.
In addition to writing, Anthony has worked in the financial services industry since 2003. He has acquired the professional certifications of Certified Financial Planner(TM) practitioner, Chartered Financial Consultant®, Chartered Retirement Planning Counselor(SM), Retirement Income Certified Professional®, and Behavioral Financial Advisor(TM).
Connect with Anthony Delauney:
Website (here)
Facebook (here)
Instagram (here)
LinkedIn: Anthony Delauney (here) - Owning the Dash (here)
Book:
- Owning the Dash (Amazon) https://amzn.to/3CHhayg
- Owning the Dash: The No-Regrets Retirement Roadmap (Amazon) https://amzn.to/3CufLet
Owning the Dash Kids' Books series:
- Dash and Nikki and The Jellybean Game (the Owning the Dash Kids' Books series Book 1) - (Amazon). https://amzn.to/48TKXQy
- Lilly and May Learn Why Mom and Dad Work (the Owning the Dash Kids' Books series Book 2) - (Amazon) https://amzn.to/3OaEd7f
- Rohan and Nyra and Big Sister's Bet (the Owning the Dash Kids' Books series Book 3) - (Amazon) https://amzn.to/4ez6pve
- Michael and Hannah and the Magic Money Tree (the Owning the Dash Kids' Books series Book 4) - (Amazon) https://amzn.to/4hRORxf
- Akash and Mila and the Big Jump (the Owning the Dash Kids' Books series Book 5) - (Amazon) https://amzn.to/41867J1
- Iver and Luke and the Friends-for-Others Club (the Owning the Dash Kids' Books series Book 6) - (Amazon) https://amzn.to/3AMDVAp
Visit the Owning the Dash store with up to
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 G
Mark as Played
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 Anthony Delaney.
Anthony is an author andfinancial dadvisor.
In this episode, we'll bediscussing Anthony's insights on
how we change the way we thinkabout money and being a dadvisor
.
Anthony, welcome to the GetReady Money podcast.
Thanks for joining us today.
Speaker 3 (01:10):
Thanks so much for having me.
It's great to be here.
Speaker 2 (01:12):
Yeah, I appreciate your time and insights and look
forward to learning more aboutyou.
So let's get started.
What is your origin story?
Speaker 3 (01:21):
So my origin is I.
Originally.
I started in the financialservices world right out of
college.
I for those that remember, Iput my resume on MonsterJobscom
that's a segment age and thingslike that but a financial
advisory company found me and Ifound out that I loved it.
(01:41):
The person that brought me onsaid you can have the mindset of
a capitalist with the heart ofa philanthropist, and I thought
that was very appropriate, veryattractive for that world.
And I found out very early inmy career that I had a passion
for helping families.
In serving as an advisor I endedup getting married, purchasing
(02:04):
my first home, having one child,having another child and just
kind of going all through thosefun life stages and realize it's
hard enough to plan foryourself, but when you start to
have to plan for multiple people, it gets a lot more fun but a
lot more complicated.
So I just found that I had apassion for helping families and
trying to put together thepuzzle pieces, as I like to call
(02:26):
it.
And it wasn't until about fiveyears ago that I discovered that
I also had a passion forbecoming, for writing Through.
Over the years I've always hadclients asking me Tony, how do I
start talking to my kids aboutfinancial literacy and when do I
start introducing theseconcepts and ideas?
(02:47):
And I didn't always have thebest answer on how to do that
and I thought well, one of thebest ways we teach the younger
generation is through books andthrough kind of lessons where
they get to read something andexperience something and then
they can form their own opinion,versus us just telling them
what to do.
So I created the Owning theDash kids books to basically
(03:12):
introduce financial lessons tokids in their elementary school
years and those starting yearsstarting off.
Speaker 2 (03:19):
That's awesome.
So you know I agree with you.
It's so important to talk tokids and you know about money
and help them start doing thatso you know, why do you think
that people are talking to kidsabout money?
You know, what do you see assome of the things holding
people back from thoseconversations?
Speaker 3 (03:40):
Well, so one, I think , is that the worlds that we've
all grown up in depending on thegeneration, they've had a
totally different introductionto money.
For example, back when certainindividuals were growing up,
there was no such thing as theInternet, and then all of a
sudden, in the past 20 years,it's now become even having cash
almost seems like an anomaly.
An anomaly, whereas back in theday you'd count how many coins
(04:07):
you had in your piggy bank orsomething of that nature.
Now it's apps and credit cardsand things of that nature where
you don't really get to seemoney as much as you could in
the past.
So when you couldn't see it asmuch in the past, it was also
hard to talk about it, whereasnowadays it seems a little more
comfortable.
Parents have a little more easetalking about financial topics
(04:27):
with kids, but they didn't growup with their parents talking to
them about those same topics,so they don't know what the
roadmap is, when's the righttime to discuss certain things
and how do you start having thatconversation.
So I think we're all justconstantly learning and trying
to adapt to whatever thechanging environment is.
Speaker 2 (04:45):
That's awesome.
So you know, let's go a littlebit deeper on.
That is when is a good time tostart talking to your kids about
money?
Speaker 3 (04:52):
So I think the fun thing about kids is that they
one thing kids seem to love todo is play a play parent.
Even at those very, very earlyages.
They want to mimic parents.
They want to try to act outwhatever they see their parents
doing.
Kids don't always do what wetell them to do, but they
definitely pick up on ourmannerisms very quickly and
(05:14):
start, for better or worse,acting out those same mannerisms
.
So just like if you're goingshopping and you're pushing a
shopping cart little kids loveto push their own shopping carts
.
Or if you're cooking dinner,you can find a child trying to
prep their own little meal on aside table or have their own
little mini kitchen or whateverit might be.
So I think that talking aboutfinance or money matters at a
(05:38):
very early age is you canintroduce concepts, but
introduce it in such a way thatit's not a scary thing.
I think that's one of thehardest things that we
oftentimes think of money as themore complex things like how to
invest, how to trade stocks ordo things like that, whereas the
most critical lessons areactually the fundamentals.
It's just kind of like we teachour kids at a very young age
(06:00):
how to start brushing theirteeth, how to make sure they
clean up after themselves, howto make sure they make their bed
and things like that.
And the reason we do that is totry to instill habits, things
that they don't even have tothink about, they just kind of
do it.
And the same can apply to money.
If you take a child with you tothe grocery store and they can
see you paying and how thatprocess works, then when they
(06:23):
get a bit older it's not asscary for them to go through
that same process.
And I think that's one of thehardest parts is we can
introduce other concepts to them.
But when it comes to introducingthe money type concepts, like
paying bills and things likethat, those are sometimes the
things that we put to thesidelines and say you know what?
This is something you have toworry about when you're older or
think about when you're older,and oftentimes money involves
(06:46):
emotion for adults as much asfor kids.
So I think sometimes we holdoff from showing kids things
that involve money because itcould evoke a positive or
sometimes a negative emotion asa parent, like if you have to
pay a variety of bills andyou're getting frustrated about
it.
Sometimes you don't want yourkids to see that scenario.
You don't want them to see thatyou're struggling and have them
(07:07):
think that, oh, there'ssomething bad, there's a
negative correlation with money.
So sometimes we do it to try toprotect our kids.
But by doing that it cansometimes cause more harm than
good.
Yeah well, I can see that.
Speaker 2 (07:23):
And that really resonated with me, as I think
that's part of the reason whysome of these conversations
don't happen and you alluded tothis earlier is that the parents
aren't comfortable having theconversations For any number of
reasons.
They may not feel like theyknow enough themselves, they may
have their own emotions, orhistory with money, or history
with money.
So you know, where is it?
(07:43):
How can parents start to thinkabout that?
You know, to start gainingtheir own confidence is reading
your books, together with thekids.
Speaker 3 (07:56):
Is that a way for them to build their confidence?
So so maybe if I give a littlebackstory it'll better answer
that question.
I've written two adultself-help books and six
children's picture books, and Istarted off writing adult
self-help books.
My first book was called Owningthe Dash and it was actually.
There's a long story behind it,but Owning the Dash is on your
tombstone between your birth anddeath dates.
(08:18):
There's a dash in between andthe idea of taking ownership of
your life and really trying toseize the opportunities and get
the best out of life that youcan.
But after I wrote my initialself-help book, when I was
writing my second book, it wasright as COVID was starting, and
I had a lot of clients say, ok,the first book was really good
for young families.
(08:39):
What about those of us tryingto make the transition into
retirement or have the moneylast a lifetime and things like
that?
So I started writing whateventually became the no Regrets
Retirement Roadmap, right asCOVID was kicking in.
And during that time my daughterwho is now 15, so about four
years back she is one of thoseyoung ladies that doesn't sleep
(09:00):
at night.
Just the mind goes a millionmiles an hour during the evening
hours, and so I would bewriting in my home office and
then, all of a sudden, I'd lookat my side door and there she'd
be standing at 10.30 at nightand she'd go hi, daddy, just
full of energy.
And so we started writing nextto each other.
I would write and she would bewriting, and we came up with the
idea of writing a children'spicture book that taught a
(09:22):
financial lesson, and I didn'thave any real background in that
world.
So I sought out a coach andjust to learn more about how to
write a children's picture booksand what are the key things to
do and not to do.
And one of the biggest lessonsthat the coach shared with me is
that, when it comes tochildren's picture books, you
never want to have the parenttelling the child what to do.
(09:45):
You always want to show ascenario where it's either
siblings or friends or someoneas similar age range is
experiencing something togetherand they're learning through
that experience.
A parent can be showing themsomething, but not necessarily
pushing or trying to teach.
Children are really smart.
They can tell when a parent istrying to pass a lesson on to
(10:08):
them.
So the better way for childrento learn is not so much for us
to just kind of tell them whatto do, but for us to introduce
scenarios to them and to allowthem to make decisions, to allow
them to fail.
And a lot of times one of thethings we teach is that it's
okay for kids to fail.
The time to fail is in theirearly years, where they know
(10:28):
they're safe, when they knowthey're not going to be
ridiculed or made fun of if theymake a mistake or if they do
something incorrectly.
And I thought that was really,really valuable, because even as
adults, I have met with youngfamilies and one of the first
things when they come to meetwith me as a financial advisor
would be to say please don'tjudge us for the decisions we've
(10:51):
made.
Please don't.
I'm so sorry that I did this.
And this is the first meetingthat they're meeting with a
professional and I'm justthinking to myself I have no
right to judge you, no matterwhat.
I'm just here to help.
I have no right to judge you,no matter what.
I'm just here to help.
But that instinct of thinkingthat I'm going to be made fun of
or I'm going to be ridiculed,that is not something that they
(11:12):
had as an adult.
That is something that theyinstilled at those very early
years of life.
So, kind of going back to yourquestion, it's the things that
you do as a response to theactions of our children that I
think are more important thanactually telling our children
(11:32):
what to do.
So introducing concepts in ways.
I love the idea behind booksbecause, yes, you can introduce
scenarios.
You can introduce, just as anexample, one of my books is
called Rohan and Naira and BigSister's Bet, and with that book
it's actually the book wascreated as a result of an
experience I had with my son.
(11:53):
He's now 13, but this happenedseveral years back.
We were just in the backyardthrowing the football back and
forth and I said to him I'llmake you a bet.
For every catch that we make,I'll give you a quarter and we
can keep playing as long as youwant to, but if at any point the
football drops, you lose allthe money and you can decide
(12:15):
when we stop.
So most parents hearing thatthat bet, they already know
where this is going.
They already know that kind ofbecause we've been in that as
kids before we started off.
We started going back and forthand he was a kid he set a goal
for himself.
He knew how much he wanted toachieve.
But as we kept going and going,we got closer to that goal and
(12:38):
he started to think of otherthings, that he wanted to get
bigger things, more expensivethings.
And we achieved the goal.
And he get, you know, biggerthings, more expensive things.
And we achieved the goal.
And he said, you know, let'stry for a few more.
And so we threw a few more backand forth and then we got up to
$18.75.
And then I said Are you sureyou want to have another throw?
And he said yeah, just one more, just one more.
(13:00):
And we all know what the onemore is right and we all know
what the one more is right.
One more toss.
And I threw it to him and hefumbled the ball.
And the reason it became a story, the reason I thought it was so
valuable, was in that momentwhen he fumbled the ball,
instead of getting mad at me oror running off or something, he
(13:21):
just paused and sat therequietly for a second because he
knew it was his decision.
He was the one who made thechoice to keep playing and he
allowed basically greed, or hisemotions, to get the better of
him and we see this as kids, butwe also certainly see this as
adults.
When it comes to investing andthings like that, trying to,
(13:45):
maybe, instead of working towarda goal, we just kind of, you
know, want to hit what they getrich quick scheme or whatever it
might be, what the easy path,and sometimes that path doesn't
always work out in our favor.
So it was important for him toexperience that.
But it was also a happy dadmoment for me, and I'm not going
to say that I there are plentyof moments that I've had my
(14:07):
drawbacks or failures as a dad.
But in that moment, instead ofwhen he dropped the ball, saying
, see, you should have done this, or see the mistake that you're
getting on his case, I had saidpause and just allowed him to
come to me and tell me, you know, say, are you doing okay?
Talk about what was goingthrough his mind.
So it's those little momentsthat we have.
(14:28):
No money was I mean, money waspart of the game, but it was
really more so a life lessonthat he can apply to other
scenarios in his life.
So in the book Rohana Naira,it's a brother and sister who go
through that experiencetogether.
Because, going back to what wasrecommended.
You want to have children notexperience something where the
(14:48):
parent's doing something, butmore so when someone of similar
age that they love or trust isgoing through that experience.
So I think it's very easy totalk to kids about things, but
it's more important to allowthem to talk, to actually allow
them to voice their thoughts andkind of experience things and
(15:09):
say what's going through theirmind, versus us tell them what
they should be thinking.
Speaker 2 (15:14):
Well, and I think that's, you know, pretty much
true of anyone.
That's an awesome story.
I love that story but it makesme, you know, when I was a
consultant you know that wasalways my goals for my clients
to have enough information thatthey would make up their mind
and tell me what they wanted todo.
You know from an informedchoice about from people.
(15:35):
You know from other kids, as Iknow with adults, that it works
the same way as their statisticsshow, like with widows when
their husbands pass away, like80% will go to a new financial
planner and usually those arefemale financial planners.
That I think that quite oftenthat's a human instinct is to
want to learn from people whoare in a similar I don't want to
(15:59):
say demographic, that's notquite the right word but a
similar situation to them, and Ithink that can be easier
sometimes.
Speaker 3 (16:07):
Well, I mean yes.
I feel that I, over the years,I've been asked what's the
number one thing that preventspeople from achieving financial
success.
Is it investments?
Is it this, that or the other?
And I firmly believe that thenumber one reason that people
(16:29):
don't achieve their goals isfear of failure, fear of
judgment.
The fact just going back to theexample I gave before when they
go into a meeting, just evenshowing up for a meeting,
meeting with an advisor is scaryenough.
Having someone else who's thereto look behind the curtain and
see what's going on.
And this doesn't have to bejust with an advisor.
This could even be betweenspouses.
Some spouses don't even sharewhat their financial situation
(16:53):
is, and it's this kind of fearof I made a bad decision or
maybe I don't even know.
Sometimes you find individualsthat don't want to know how much
they owe on this item or that,because it's kind of pulling
back the curtain to see thereality of the situation.
But in the end, you have topull it back In order to move
(17:15):
forward.
You have to assess where thingsare right now.
To pull it back In order tomove forward, you have to assess
where things are right now.
And I would say that if we canovercome that fear of judgment
and help people build thatconfidence really at an early
age going back to why I startedoff with elementary school books
, books for kids in grades threethrough five is because if we
can get those habits startedearly and build that confidence
(17:38):
up, that, hey, this is not ascary thing.
It's okay to ask questions Ifyou don't know, it's okay to try
.
It's okay to just not see moneyas a see it as a tool more than
as an obstacle.
That can have a very profoundeffect down the road.
And my fifth book called Akashand Mila and the big jump in
(18:04):
that book I really try to honein on that scenario, not so much
by talking about money butshowing how kids, when they grow
up, they try new things, theytry a sport.
In this case it's two bestfriends that are trying out for
a gymnastics class and they goto the class very excited.
One's a little more excitedthan the other, but they're in
(18:25):
there and they're having ademonstration where kids are
jumping off of a springboard.
I have a son who's ingymnastics, so I have a little
passion for that sport.
But in this case in the book,the child lands on his face and
many adults we can think we canautomatically empathize with
that scenario.
We know those moments where wemake the mistake and we're
(18:48):
worried that everybody around usin the class is looking at us
or we concoct in our mindsthey're going to be making fun
of me.
I should get out of here.
I don't want to ever try thisagain, whatever it might be.
And in those scenarios, if theydo try again and they find they
can do it, all of a sudden theconfidence levels just go up
(19:08):
insurmountably.
They wouldn't have tried before.
So that if we can helpindividuals build up that
confidence in themselves and intheir children, it can be very
impactful down the road.
Speaker 2 (19:24):
Yeah, no, that's awesome.
You said a lot there.
That was just amazing, you know.
I want to go back, and I wantto emphasize one thing that you
said, though, that it's okay toask questions.
I think that is lost so oftenis that you know, if our clients
aren't asking questions, thatis a warning sign that they're
(19:46):
not fully engaged, and that weshould encourage them to ask
questions, because that's howpeople learn is by asking for
information.
So, anthony, let's switch upand get into some of the get
ready questions.
These are a little bit quickerflowing.
These are questions I ask everyguest.
Speaker 3 (20:08):
Is first.
One is what basic money conceptdo you wish people knew?
The how about what goes into abudget?
I think that that is probablythe if we can and we can teach
kids this, we can teach adultsthis but if you can figure out
how to actually track and manageyour finances, that's far more
valuable than knowing how toinvest a stock or a mutual fund
or anything like that.
If you can find where it'sflowing, then you have control
(20:31):
over it.
Individuals I've worked withhave been individuals that can
systematize a lot of where theirmoney flows in and out, can
monitor it properly and keepthings flexible so that they're
not kind of stuck in oneapproach or another.
Speaker 2 (20:48):
Yeah, I love that.
You have to know your numbers,know your resources.
Now, that doesn't mean that youhave to know it to the penny,
because I think sometimes peoplefeel overwhelmed.
It's like you have to trackeverything, but you have to have
, I think a general sense ofwhat's going on, so that's
awesome advice.
The next one is what is onesimple thing people can do each
(21:11):
year to set themselves up forfinancial success?
Speaker 3 (21:16):
I think it's taking the time.
It's hard.
There's so many things that weall want in life, but the
reality is that you just need toset aside a bit of time.
It doesn't have to be asubstantial period of time, but
if it's once a month or evenonce a quarter, I'd recommend
trying once a month.
Take an hour where we kind of doan assessment Are we on track
(21:37):
for what we said we were goingto do?
Are we sticking to our goals?
We have goals for fitness.
We have goals for a variety ofthings in life.
Just add the financial piece inthere and if you have a game
plan for what you want for thefuture, it's much easier to
track it.
I think that's the hard part isthat a lot of times people save
but they don't know whatthey're saving, for, how much
(21:58):
they're saving or if they're ona track.
So the first part is toactually figure out what are the
point Bs?
What do I need to do to getthere and then create some way
of making sure you don't forgetabout it and you stay on top of
those two do's?
Speaker 2 (22:11):
Definitely and that wraps you know your two last
responses together is you knowyou have to know your numbers so
you can see if you're on trackfor goals.
But if you're not checking withyour own track, it's like what
are the goals really for If youdon't know whether you're going
to hit them or not?
They're just random numbers,and I think that's something
people struggle with.
When they're saving is like youknow how much should I put
(22:35):
aside for savings?
And then you know they're doingtheir savings at the end of the
month instead of doing theirsavings first, and that goes
back to systematizing If youknow how much you need to do and
you can.
Speaker 3 (22:47):
It's what I call a top-down approach.
So the bottom up is I need tofigure out every penny I'm
spending and where it's going,and that can drive a lot of
people crazy.
But if you say this is theincome I'm bringing in, these
are the things I have to do.
People are extremely good atadapting.
Somebody can be making acertain level of income and make
(23:09):
it work, and they can have abonus or a promotion and then
adapt to whatever that newincome is, knowing that they
were able to make the otherincome work.
So I think that if you knowkind of here's what I need to do
to hit this savings goal orsave for this particular item,
if you can systematize that atthe beginning of the month and
then know here's what's left,then it becomes a lot easier to
track and say if it startsgetting.
(23:31):
If the checking account startsgetting tight, maybe we need to
see what's going on, but if itseems pretty steady, then we're
living according to the cashflowthat we put together.
Speaker 2 (23:40):
That's awesome.
That's great advice.
All right Well the nextquestion is what is one habit
that people can change when itcomes to their money?
Speaker 3 (23:51):
Um, so money and emotion have a high correlation
and it's a high negativecorrelation.
Usually, uh, oftentimes, whenwe're about to make a decision,
uh, when it comes to money basedoff of emotion, it's usually
not in our best interest.
Uh, that can be when it comesto investing.
That can be comes withpurchasing things of that nature
(24:11):
.
So, if there is a habit, thenice part about money is, uh is
it can be systematized.
It is something that, yeah, itwould be great if I could say my
body's automatically going togo to the gym every morning and
I'm going to do a good, healthyworkout every day.
But in the finance world, youcan set up authorizations
systematically.
Pulled out of this that I canremember years back.
(24:34):
Pulled out of this that I canremember years back, mark
Zuckerberg.
They asked him why do you onlywear sweatshirts all the time?
And he said it's one lessdecision I have to make during
the day.
And I thought that was verypowerful, because the less we
have to think about things, theless, the more we can focus on
the things that are prioritiesin our lives.
So we tend to get stressed whenthere's a lot of puzzle pieces
(24:55):
that are floating around allover the place.
So the more we can eliminatethe things we don't have to
worry about and know thatthey're systematically happening
, the easier it is to focus onthe goals that make you happy.
Speaker 2 (25:06):
I love that.
I think they said the samething about Steve Jobs, too,
with his wardrobe.
Is that same thing?
Maybe it's a tech thing.
Speaker 3 (25:15):
Keep with his wardrobe.
Is that it was that same thing?
Maybe it's a tech thing.
Speaker 2 (25:17):
It's simple yeah, right, yeah, there's so many
things we need to worry aboutthese days.
Exactly so, Anthony.
What money myth are you tryingto break?
Speaker 3 (25:25):
I think, for a myth.
One of the things that I've seenin this this, my focus is
elementary school children, butone thing a lot of parents want
to do is start teaching theirkids how to trade at a very
early age, sometimes when theparents don't even know how to
trade themselves, and I thinkthat, that, while it sounds
exciting and there's lots ofapps that are out there to help
(25:47):
make that a reality, I thinkit's good to, of course,
introduce financial lessons, butyou have to be very cautious on
knowing your child's emotionalstate.
The positive behind apps is theycan be used to teach, but the
negative is that a lot of appsare built around emotion.
So, for example, when someoneplaces a trade, confetti may go
down or dings and bells may gooff, which create a dopamine
(26:10):
response of hey, this is great,this is exciting.
You should do this more often,and if a child starts connecting
emotion with money and withinvesting at a very early age,
that'll be a hard habit to break.
So I think we just need to bemore focused on those
fundamental lessons in financeand when you do introduce
(26:31):
investing, and do it in such away that you're mindful of how
the child is.
Emotions are being connected tothe decisions that they're
making.
Speaker 2 (26:40):
Yeah, I love that because I think, you know, with
every other field people startat the beginning and in the
money world, people oftentimesstart at the middle or even more
advanced, like hey, should Ibuy crypto?
Well, you know.
Have you set up your budget yet?
Well, no.
Do you have an emergency fundaccount?
(27:00):
No, or do you have a?
Speaker 3 (27:01):
credit card that has an 18% limit on it or 18% rate
on it.
So, yes, it's kind of if youcan wipe out those things as
kind of the to-dos, I don't wantto have any credit card debt
before I start trying to investin the market.
Those lessons can really behelpful for down the road.
Speaker 2 (27:18):
Definitely so.
I love that Start with thefundamentals.
It works for all kinds of otherthings.
So how can we improve the moneyconversation?
Any thoughts there?
Speaker 3 (27:31):
So what I would say is that of course, it depends on
the age and who you're havingthe conversation with, but since
my target is, in this case,young children having the
conversation with them, it goesback to the idea of introducing
stories and experiences to achild, and those experiences can
be learned through books, butit could also be doing things
(27:52):
like doing your bills and havingthe child see you, and if they
ask what that is, you can say so, our electric bill is this
amount.
And then the child starts to gooh, so that's how much
electricity costs, or how much,whatever it might be.
I think that those are the andI apologize, is it going to that
?
What was the question?
(28:13):
Again?
Speaker 2 (28:14):
Oh no, it is just how can we improve the conversation
.
Speaker 3 (28:18):
That's so it goes back to introducing the concepts
.
And then, when they askquestions, don't judge them,
just be there to answer andanswer as you'd want someone to
answer you.
Speaker 2 (28:27):
I love that when kids ask questions, don't judge them
.
I think it's easy to do thatand you know that goes back to
what you were talking aboutearlier with clients coming in
is you know the clients feellike they're going to be judged.
And you know, I know I've hadthat experience like going to
(28:48):
the doctor if I'm carrying a fewextra pounds, it's like is the
doctor going to say something?
Am I in trouble?
Speaker 3 (28:55):
You know, instead of like our worst critics are
ourselves right.
We will come up with a varietyof different scenarios on what
the person is going to thinkabout us, and they might be true
.
But regardless, if we go inwith this positive attitude that
this person's here to help orthat I can do this, all of a
sudden, just it's kind of like avision board.
(29:17):
It sounds like a silly conceptat first, but then you start to
realize, hey, if I believe I canachieve this, it's far more
likely to happen than if I thinkthat these are never going to
happen for me.
One thing that I've always foundis interesting is you hear
stories of people who win thelottery and then years later go
bankrupt, and a lot of that ispsychology.
It's that they are not used tohaving that level of wealth, so
(29:41):
they will self-sabotagethemselves to go back to what
they are used to because that'smore comfortable to them.
So the more we can have peoplefeel more confident in their
abilities to manage money and tofeel that I can achieve this.
Another great example is someindividuals who grow up where
(30:02):
their parents always have anauto loan.
They think that it's unnaturalto not have an auto loan, and
sometimes, if you can breakthose kind of habits or mindsets
.
It could be a stepping stone toa different type of life.
Speaker 2 (30:13):
Yeah, boy, speaking of auto loans, I don't know if
you saw that thing fromInvestopedia the average cost to
achieve the American dream andit was something like $4.4
million.
But one of the biggest ticketitems was that the average
person over their life willspend almost $900,000 on cars.
Speaker 3 (30:33):
And we've seen what's happened to cars just in the
past 20 years.
It's kind of I mean, you canget a base level car or you can
get something more.
It's maybe the nicest way tosay it.
It's a lot of money can go intothose types of items.
Speaker 2 (30:46):
So yeah, yeah, and that's an easy place to cut back
.
So you know.
One of the questions start towrap up is you know we'll get
out the time machine for aminute.
What advice would you give your?
Speaker 1 (30:58):
younger self.
Speaker 2 (30:59):
Let's say, if you were a kid, if you go back in
time knowing what you know nowabout money.
Speaker 3 (31:05):
So I will say that this would actually tie into the
first book that I wrote when Istarted with my daughter.
It's called Dash and Nick inthe Jelly Bean Game and it goes
back to the marshmallow study.
Are you familiar withmarshmallow study?
It's basically a study fromyears back where they put
children in a room and they saidI'll give you a marshmallow,
I'm going to step out of theroom and I'll be back in a
(31:26):
minute.
If the marshmallow is stillthere, I'll give you another
marshmallow.
And they studied to see whichkids could would take the
marshmallow or not.
And so what they discovered isthat there's a lot if the
compounding effect when you areyoung, if you can start that
saving process and see how mucha compound just saving a little
(31:46):
bit per month can make amonstrous difference for down
the road.
It's hard to see when you're inyour teens or 20s or whatever
it might be.
But there's an old phrase it'snot timing the market, it's time
in the market.
And for those youngerindividuals, the sooner they can
build that foundation forthemselves and the confidence to
say, hey, I've got my cashreserve, I've got my cash flow
(32:09):
in good order, I feel like I canstart planning for my future
goals, the sooner they startdoing that.
It's a lot less expensive Ifthey can start saving for that
new car so they don't have topay 8% on an auto loan in the
future, all those little thingsstart to add up and make a
really big difference for thelong-term plan.
Speaker 2 (32:27):
Well, and so what's the value of starting to save
early?
How does that help you?
What's that concept?
I'm looking for it of startingto save early.
Speaker 3 (32:37):
How does that help you?
What's that concept?
So, going back to the bookitself, in the book we have two
kids that start off the day with10 jelly beans and for every
hour they can resist they getfive more.
And one child wants it's abrother and sister who happen to
look just like my kids and onechild wants to win.
So he takes a plate and puts iton top of his jelly beans so he
(32:58):
can't see them.
And then money out of sight,out of mind, and as the day
passes, his pile grows and grows, whereas his younger sibling
she might've been a little bitmore impulsive and eats her
jelly beans right away.
And what we get to seethroughout the day is his pile
growing while her plate is empty.
And if that was a story it'd bea terrible story.
(33:20):
But there's a twist thathappens at the end, where they
work together and both end upwinning.
But I think that it's a reallyhard thing to teach kids to
delayed gratification, how ifyou wait, you can have so much
more.
And I think that the easiestway to introduce those concepts
is through storytelling andthrough examples, where they may
(33:41):
not experience it themselvesbut they can see someone else
experiencing it and think ofwhat emotions they have going
through their mind as they seethat empty plate that the one
sibling has.
And you know, I'd rather be inthat position than the other
position.
So it's for the young ones it'sreally about allowing them to
experience emotions and thoughtprocesses that the sooner we can
(34:05):
introduce these concepts tothem not necessarily trading and
all that, that's a little morecomplicated, but just basic,
delayed gratification andunderstanding how money works
the easier it becomes down theroad for them and they start to
feel you know, I know why I'mdoing something, I know what
will happen if I do this andthat's pretty exciting stuff,
(34:26):
yeah, and I was going to say andusing some like jelly beans is
something that they can identifywith.
Speaker 2 (34:34):
It's not an abstract thing where they have to think
about.
Well, I don't know what awidget is or whatever it's like
every kid knows what a jellybean is.
Speaker 3 (34:40):
So yes, absolutely.
And a lot of individuals askfor that book why I didn't use
money specifically to talk abouta money lesson, and it's for
that reason.
It's that children don't.
They can't earn money at such ayoung age, so they don't value
it, even if they get anallowance.
It's kind of like okay, there'sthis money that's being put
here, but I don't fullyunderstand how it works.
But they can understand thevalue of that tasty jelly bean
(35:02):
or other things and, yes, candymay not have been the best
approach to use for teaching alesson, but a jelly bean here
and there doesn't hurt too much.
So, yes, a lot of parents knowwhat their kids' passions are,
what their kids' interests are,and it's just trying to find
those particular items that theydo value and use that as your
(35:24):
example item.
Speaker 2 (35:26):
Yeah, Know how to talk to your audience.
Use words that your audienceknows.
So, Anthony, as we start towrap up, what is your number one
favorite money resource thatyou go to, whether it's a
podcast, book, newsletter app orwebsite?
Speaker 3 (35:43):
Favorite resource.
I mean, obviously it depends onthe grouping In the world For
yourself.
Speaker 2 (35:53):
Oh for me as an individual.
Speaker 3 (35:55):
So well for me, I as a financial planner and being in
that world, I find that I meanthere are a variety of different
designations that are out thereand over the years I found that
many of those designations havebeen instrumental in teaching.
Maybe not the full piece, butthere are nuggets that you get
out of everything and there arebits of information that
(36:16):
becoming a CFP, becoming a CHFC.
There's a designation calledBFA, which stands for Behavioral
Financial Analyst, which talksabout the emotion and money that
was incredibly helpful.
And there's one called RICP,retirement Income Certified
Professional that I found wasjust very helpful in helping
(36:40):
individuals prepare for thattransition into the next stage
or the retirement years of life.
A lot of times thosedesignations, yes, they look
nice behind a name, but there isa lot of knowledge and
expertise that goes intobringing them and they just
introduce concepts that you maynot get in the everyday world.
So I find that, at least in thefinancial services world, that
(37:04):
they are very helpful to haveand good things to look for if
you're looking to hire somebody.
Speaker 2 (37:09):
Definitely yeah, and I think that's powerful.
Advice is you know thedesignations.
You know sometimes they don'tmean as much, but there are a
lot of designations, like you'retalking about certified
financial planner, that there'sa lot behind it.
And if you're not sure if adesignation brings power to your
advisor or means anything is,go to the designations website
(37:30):
and if it's a worthwhiledesignation, it will tell you
what goes into it.
And then the CFP is not an easydestination to get.
Speaker 3 (37:40):
And it just shows they also have an interest as
well, that they want to learnmore.
And if someone doesn't have it,it doesn't mean that they don't
, but at least as a it's hard totell you.
When you work with a financialplanner, you're trying to
determine a trust and aconfidence level, and sometimes
things like that can be justanother added piece to give you
that.
And, as you said, there's lotsof different designations.
(38:02):
So do your research and findout which ones do have a bit
more merit than others.
But if someone has them, itshows that they do have a
passion towards that particularfield of study.
Speaker 2 (38:13):
Yeah, and I know I have a CLU chartered life
underwriter and for me that'stable stakes if you're in the
insurance business.
So I think yeah for consumersand for their advisors.
When you're working with otheradvisors and trying to decide,
you know like, do I want torefer business to another
advisor?
I don't know.
Well, as you know, that's alsosomething you can use as the
(38:33):
guideline.
You know, like you said,there's a new designation, ricp
Retirement Income Professionaland so that's an important one.
You know, not something thatsomebody 20 years old is going
to need an RICP.
Speaker 3 (38:47):
So yeah, yeah, there's a lot of information and
I think that's probably one ofthe hardest parts for a lot of
people trying to sift through itall, and I think that's
probably one of the hardestparts for a lot of people trying
to sift through it all.
And I think podcasts like yoursare a great, an incredible tool
to get nuggets Once again,little pieces that hey, this
does make sense that relate.
I can understand that mindset.
So knowledge is power and ifyou find a trusted source, hold
(39:13):
onto it.
Speaker 2 (39:16):
That's exactly it.
So, to wrap up, anthony, whatis your number one?
Speaker 3 (39:23):
tip on changing the way we think about money.
Don't judge yourself and don'tjudge others.
I mean, as corny as that mightsound, it's the more that we can
just realize that we're allgoing through this crazy world
together.
We're all trying to figure itout.
Different people will be atdifferent stages.
There will always be somebodybetter than you, always somebody
(39:43):
worse than you.
I'll share my last littlethought process that always hits
me is if you had the choice Ithink that Warren Buffett or
someone stated this a littlewhile back.
If you had, if your life was aping pong ball and you could
throw that ping pong ball into agiant pool full of ping pong
balls for everybody else in theworld, and then you get to pull
(40:05):
someone else out at random,would you do it?
And I've yet to meet someonewho says yes, because then they
start to think about oh, there'sa lot of people that are in
much worse position than I am,and when we only look at
ourselves, we sometimes think,oh, I'm messing up or I'm behind
or I'm not where I should be.
But the reality is thatsometimes, with some minor
tweaks, you can really getyourself propelled to that next
(40:27):
level and you're probably in amuch better position than you
think.
So if you can have thatconfidence fear of judgment
going back to what I saidearlier if you can not judge
yourself, that will be a hugestep towards um achieving
whatever dreams you have.
Speaker 2 (40:45):
That's awesome.
That's fantastic advice.
To close out on, so Anthony,where can people find out more
about you?
Where can they pick up yourbooks?
I know you have a cup.
Uh, have one of your bookshandy there.
Speaker 3 (40:54):
I do so I mean Dash and Nikki, and the Jellybean
Game is the first one that's out.
They are available in hardcover, softcover, ebook formats.
The best place to go is mywebsite.
It's owningthedashcomO-W-N-I-N-G-T-H-E-D-A-S-Hcom
(41:14):
owning the dash.
Books are also available onAmazon and Barnes, Noble and
where books are sold.
But on the website, in additionto the books, there are also
free resources for parents andteachers, where we have
discussion questions that youcan use.
We actually have games andactivity books, so lots of fun
things to help not only read thebook but have ways to introduce
(41:36):
some of these concepts in amore fun and engaging way with
the kids.
Speaker 2 (41:42):
Awesome, awesome.
And, as always for everyonewatching and listening, there
will be links to Anthony's booksand website in the show notes
so you can get in touch with himand pick up a copy of his book.
So Anthony thanks again forjoining us today on the Get
Ready Money podcast.
Speaker 3 (41:57):
Thank you so much for having me.
It's been wonderful.
Speaker 2 (42:00):
Yeah, this is awesome .
Appreciate your time and yourinsights and everyone.
I thank you, as always, fortuning in to this episode of the
Get Ready 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.
Thanks for watching.
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 Anthony Delaney.
Anthony is an author andfinancial dadvisor.
In this episode, we'll bediscussing Anthony's insights on
how we change the way we thinkabout money and being a dadvisor
.
Anthony, welcome to the GetReady Money podcast.
Thanks for joining us today.
Speaker 3 (01:10):
Thanks so much for having me.
It's great to be here.
Speaker 2 (01:12):
Yeah, I appreciate your time and insights and look
forward to learning more aboutyou.
So let's get started.
What is your origin story?
Speaker 3 (01:21):
So my origin is I.
Originally.
I started in the financialservices world right out of
college.
I for those that remember, Iput my resume on MonsterJobscom
that's a segment age and thingslike that but a financial
advisory company found me and Ifound out that I loved it.
(01:41):
The person that brought me onsaid you can have the mindset of
a capitalist with the heart ofa philanthropist, and I thought
that was very appropriate, veryattractive for that world.
And I found out very early inmy career that I had a passion
for helping families.
In serving as an advisor I endedup getting married, purchasing
(02:04):
my first home, having one child,having another child and just
kind of going all through thosefun life stages and realize it's
hard enough to plan foryourself, but when you start to
have to plan for multiple people, it gets a lot more fun but a
lot more complicated.
So I just found that I had apassion for helping families and
trying to put together thepuzzle pieces, as I like to call
(02:26):
it.
And it wasn't until about fiveyears ago that I discovered that
I also had a passion forbecoming, for writing Through.
Over the years I've always hadclients asking me Tony, how do I
start talking to my kids aboutfinancial literacy and when do I
start introducing theseconcepts and ideas?
(02:47):
And I didn't always have thebest answer on how to do that
and I thought well, one of thebest ways we teach the younger
generation is through books andthrough kind of lessons where
they get to read something andexperience something and then
they can form their own opinion,versus us just telling them
what to do.
So I created the Owning theDash kids books to basically
(03:12):
introduce financial lessons tokids in their elementary school
years and those starting yearsstarting off.
Speaker 2 (03:19):
That's awesome.
So you know I agree with you.
It's so important to talk tokids and you know about money
and help them start doing thatso you know, why do you think
that people are talking to kidsabout money?
You know, what do you see assome of the things holding
people back from thoseconversations?
Speaker 3 (03:40):
Well, so one, I think , is that the worlds that we've
all grown up in depending on thegeneration, they've had a
totally different introductionto money.
For example, back when certainindividuals were growing up,
there was no such thing as theInternet, and then all of a
sudden, in the past 20 years,it's now become even having cash
almost seems like an anomaly.
An anomaly, whereas back in theday you'd count how many coins
(04:07):
you had in your piggy bank orsomething of that nature.
Now it's apps and credit cardsand things of that nature where
you don't really get to seemoney as much as you could in
the past.
So when you couldn't see it asmuch in the past, it was also
hard to talk about it, whereasnowadays it seems a little more
comfortable.
Parents have a little more easetalking about financial topics
(04:27):
with kids, but they didn't growup with their parents talking to
them about those same topics,so they don't know what the
roadmap is, when's the righttime to discuss certain things
and how do you start having thatconversation.
So I think we're all justconstantly learning and trying
to adapt to whatever thechanging environment is.
Speaker 2 (04:45):
That's awesome.
So you know, let's go a littlebit deeper on.
That is when is a good time tostart talking to your kids about
money?
Speaker 3 (04:52):
So I think the fun thing about kids is that they
one thing kids seem to love todo is play a play parent.
Even at those very, very earlyages.
They want to mimic parents.
They want to try to act outwhatever they see their parents
doing.
Kids don't always do what wetell them to do, but they
definitely pick up on ourmannerisms very quickly and
(05:14):
start, for better or worse,acting out those same mannerisms
.
So just like if you're goingshopping and you're pushing a
shopping cart little kids loveto push their own shopping carts
.
Or if you're cooking dinner,you can find a child trying to
prep their own little meal on aside table or have their own
little mini kitchen or whateverit might be.
So I think that talking aboutfinance or money matters at a
(05:38):
very early age is you canintroduce concepts, but
introduce it in such a way thatit's not a scary thing.
I think that's one of thehardest things that we
oftentimes think of money as themore complex things like how to
invest, how to trade stocks ordo things like that, whereas the
most critical lessons areactually the fundamentals.
It's just kind of like we teachour kids at a very young age
(06:00):
how to start brushing theirteeth, how to make sure they
clean up after themselves, howto make sure they make their bed
and things like that.
And the reason we do that is totry to instill habits, things
that they don't even have tothink about, they just kind of
do it.
And the same can apply to money.
If you take a child with you tothe grocery store and they can
see you paying and how thatprocess works, then when they
(06:23):
get a bit older it's not asscary for them to go through
that same process.
And I think that's one of thehardest parts is we can
introduce other concepts to them.
But when it comes to introducingthe money type concepts, like
paying bills and things likethat, those are sometimes the
things that we put to thesidelines and say you know what?
This is something you have toworry about when you're older or
think about when you're older,and oftentimes money involves
(06:46):
emotion for adults as much asfor kids.
So I think sometimes we holdoff from showing kids things
that involve money because itcould evoke a positive or
sometimes a negative emotion asa parent, like if you have to
pay a variety of bills andyou're getting frustrated about
it.
Sometimes you don't want yourkids to see that scenario.
You don't want them to see thatyou're struggling and have them
(07:07):
think that, oh, there'ssomething bad, there's a
negative correlation with money.
So sometimes we do it to try toprotect our kids.
But by doing that it cansometimes cause more harm than
good.
Yeah well, I can see that.
Speaker 2 (07:23):
And that really resonated with me, as I think
that's part of the reason whysome of these conversations
don't happen and you alluded tothis earlier is that the parents
aren't comfortable having theconversations For any number of
reasons.
They may not feel like theyknow enough themselves, they may
have their own emotions, orhistory with money, or history
with money.
So you know, where is it?
(07:43):
How can parents start to thinkabout that?
You know, to start gainingtheir own confidence is reading
your books, together with thekids.
Speaker 3 (07:56):
Is that a way for them to build their confidence?
So so maybe if I give a littlebackstory it'll better answer
that question.
I've written two adultself-help books and six
children's picture books, and Istarted off writing adult
self-help books.
My first book was called Owningthe Dash and it was actually.
There's a long story behind it,but Owning the Dash is on your
tombstone between your birth anddeath dates.
(08:18):
There's a dash in between andthe idea of taking ownership of
your life and really trying toseize the opportunities and get
the best out of life that youcan.
But after I wrote my initialself-help book, when I was
writing my second book, it wasright as COVID was starting, and
I had a lot of clients say, ok,the first book was really good
for young families.
(08:39):
What about those of us tryingto make the transition into
retirement or have the moneylast a lifetime and things like
that?
So I started writing whateventually became the no Regrets
Retirement Roadmap, right asCOVID was kicking in.
And during that time my daughterwho is now 15, so about four
years back she is one of thoseyoung ladies that doesn't sleep
(09:00):
at night.
Just the mind goes a millionmiles an hour during the evening
hours, and so I would bewriting in my home office and
then, all of a sudden, I'd lookat my side door and there she'd
be standing at 10.30 at nightand she'd go hi, daddy, just
full of energy.
And so we started writing nextto each other.
I would write and she would bewriting, and we came up with the
idea of writing a children'spicture book that taught a
(09:22):
financial lesson, and I didn'thave any real background in that
world.
So I sought out a coach andjust to learn more about how to
write a children's picture booksand what are the key things to
do and not to do.
And one of the biggest lessonsthat the coach shared with me is
that, when it comes tochildren's picture books, you
never want to have the parenttelling the child what to do.
(09:45):
You always want to show ascenario where it's either
siblings or friends or someoneas similar age range is
experiencing something togetherand they're learning through
that experience.
A parent can be showing themsomething, but not necessarily
pushing or trying to teach.
Children are really smart.
They can tell when a parent istrying to pass a lesson on to
(10:08):
them.
So the better way for childrento learn is not so much for us
to just kind of tell them whatto do, but for us to introduce
scenarios to them and to allowthem to make decisions, to allow
them to fail.
And a lot of times one of thethings we teach is that it's
okay for kids to fail.
The time to fail is in theirearly years, where they know
(10:28):
they're safe, when they knowthey're not going to be
ridiculed or made fun of if theymake a mistake or if they do
something incorrectly.
And I thought that was really,really valuable, because even as
adults, I have met with youngfamilies and one of the first
things when they come to meetwith me as a financial advisor
would be to say please don'tjudge us for the decisions we've
(10:51):
made.
Please don't.
I'm so sorry that I did this.
And this is the first meetingthat they're meeting with a
professional and I'm justthinking to myself I have no
right to judge you, no matterwhat.
I'm just here to help.
I have no right to judge you,no matter what.
I'm just here to help.
But that instinct of thinkingthat I'm going to be made fun of
or I'm going to be ridiculed,that is not something that they
(11:12):
had as an adult.
That is something that theyinstilled at those very early
years of life.
So, kind of going back to yourquestion, it's the things that
you do as a response to theactions of our children that I
think are more important thanactually telling our children
(11:32):
what to do.
So introducing concepts in ways.
I love the idea behind booksbecause, yes, you can introduce
scenarios.
You can introduce, just as anexample, one of my books is
called Rohan and Naira and BigSister's Bet, and with that book
it's actually the book wascreated as a result of an
experience I had with my son.
(11:53):
He's now 13, but this happenedseveral years back.
We were just in the backyardthrowing the football back and
forth and I said to him I'llmake you a bet.
For every catch that we make,I'll give you a quarter and we
can keep playing as long as youwant to, but if at any point the
football drops, you lose allthe money and you can decide
(12:15):
when we stop.
So most parents hearing thatthat bet, they already know
where this is going.
They already know that kind ofbecause we've been in that as
kids before we started off.
We started going back and forthand he was a kid he set a goal
for himself.
He knew how much he wanted toachieve.
But as we kept going and going,we got closer to that goal and
(12:38):
he started to think of otherthings, that he wanted to get
bigger things, more expensivethings.
And we achieved the goal.
And he get, you know, biggerthings, more expensive things.
And we achieved the goal.
And he said, you know, let'stry for a few more.
And so we threw a few more backand forth and then we got up to
$18.75.
And then I said Are you sureyou want to have another throw?
And he said yeah, just one more, just one more.
(13:00):
And we all know what the onemore is right and we all know
what the one more is right.
One more toss.
And I threw it to him and hefumbled the ball.
And the reason it became a story, the reason I thought it was so
valuable, was in that momentwhen he fumbled the ball,
instead of getting mad at me oror running off or something, he
(13:21):
just paused and sat therequietly for a second because he
knew it was his decision.
He was the one who made thechoice to keep playing and he
allowed basically greed, or hisemotions, to get the better of
him and we see this as kids, butwe also certainly see this as
adults.
When it comes to investing andthings like that, trying to,
(13:45):
maybe, instead of working towarda goal, we just kind of, you
know, want to hit what they getrich quick scheme or whatever it
might be, what the easy path,and sometimes that path doesn't
always work out in our favor.
So it was important for him toexperience that.
But it was also a happy dadmoment for me, and I'm not going
to say that I there are plentyof moments that I've had my
(14:07):
drawbacks or failures as a dad.
But in that moment, instead ofwhen he dropped the ball, saying
, see, you should have done this, or see the mistake that you're
getting on his case, I had saidpause and just allowed him to
come to me and tell me, you know, say, are you doing okay?
Talk about what was goingthrough his mind.
So it's those little momentsthat we have.
(14:28):
No money was I mean, money waspart of the game, but it was
really more so a life lessonthat he can apply to other
scenarios in his life.
So in the book Rohana Naira,it's a brother and sister who go
through that experiencetogether.
Because, going back to what wasrecommended.
You want to have children notexperience something where the
(14:48):
parent's doing something, butmore so when someone of similar
age that they love or trust isgoing through that experience.
So I think it's very easy totalk to kids about things, but
it's more important to allowthem to talk, to actually allow
them to voice their thoughts andkind of experience things and
(15:09):
say what's going through theirmind, versus us tell them what
they should be thinking.
Speaker 2 (15:14):
Well, and I think that's, you know, pretty much
true of anyone.
That's an awesome story.
I love that story but it makesme, you know, when I was a
consultant you know that wasalways my goals for my clients
to have enough information thatthey would make up their mind
and tell me what they wanted todo.
You know from an informedchoice about from people.
(15:35):
You know from other kids, as Iknow with adults, that it works
the same way as their statisticsshow, like with widows when
their husbands pass away, like80% will go to a new financial
planner and usually those arefemale financial planners.
That I think that quite oftenthat's a human instinct is to
want to learn from people whoare in a similar I don't want to
(15:59):
say demographic, that's notquite the right word but a
similar situation to them, and Ithink that can be easier
sometimes.
Speaker 3 (16:07):
Well, I mean yes.
I feel that I, over the years,I've been asked what's the
number one thing that preventspeople from achieving financial
success.
Is it investments?
Is it this, that or the other?
And I firmly believe that thenumber one reason that people
(16:29):
don't achieve their goals isfear of failure, fear of
judgment.
The fact just going back to theexample I gave before when they
go into a meeting, just evenshowing up for a meeting,
meeting with an advisor is scaryenough.
Having someone else who's thereto look behind the curtain and
see what's going on.
And this doesn't have to bejust with an advisor.
This could even be betweenspouses.
Some spouses don't even sharewhat their financial situation
(16:53):
is, and it's this kind of fearof I made a bad decision or
maybe I don't even know.
Sometimes you find individualsthat don't want to know how much
they owe on this item or that,because it's kind of pulling
back the curtain to see thereality of the situation.
But in the end, you have topull it back In order to move
(17:15):
forward.
You have to assess where thingsare right now.
To pull it back In order tomove forward, you have to assess
where things are right now.
And I would say that if we canovercome that fear of judgment
and help people build thatconfidence really at an early
age going back to why I startedoff with elementary school books
, books for kids in grades threethrough five is because if we
can get those habits startedearly and build that confidence
(17:38):
up, that, hey, this is not ascary thing.
It's okay to ask questions Ifyou don't know, it's okay to try
.
It's okay to just not see moneyas a see it as a tool more than
as an obstacle.
That can have a very profoundeffect down the road.
And my fifth book called Akashand Mila and the big jump in
(18:04):
that book I really try to honein on that scenario, not so much
by talking about money butshowing how kids, when they grow
up, they try new things, theytry a sport.
In this case it's two bestfriends that are trying out for
a gymnastics class and they goto the class very excited.
One's a little more excitedthan the other, but they're in
(18:25):
there and they're having ademonstration where kids are
jumping off of a springboard.
I have a son who's ingymnastics, so I have a little
passion for that sport.
But in this case in the book,the child lands on his face and
many adults we can think we canautomatically empathize with
that scenario.
We know those moments where wemake the mistake and we're
(18:48):
worried that everybody around usin the class is looking at us
or we concoct in our mindsthey're going to be making fun
of me.
I should get out of here.
I don't want to ever try thisagain, whatever it might be.
And in those scenarios, if theydo try again and they find they
can do it, all of a sudden theconfidence levels just go up
(19:08):
insurmountably.
They wouldn't have tried before.
So that if we can helpindividuals build up that
confidence in themselves and intheir children, it can be very
impactful down the road.
Speaker 2 (19:24):
Yeah, no, that's awesome.
You said a lot there.
That was just amazing, you know.
I want to go back, and I wantto emphasize one thing that you
said, though, that it's okay toask questions.
I think that is lost so oftenis that you know, if our clients
aren't asking questions, thatis a warning sign that they're
(19:46):
not fully engaged, and that weshould encourage them to ask
questions, because that's howpeople learn is by asking for
information.
So, anthony, let's switch upand get into some of the get
ready questions.
These are a little bit quickerflowing.
These are questions I ask everyguest.
Speaker 3 (20:08):
Is first.
One is what basic money conceptdo you wish people knew?
The how about what goes into abudget?
I think that that is probablythe if we can and we can teach
kids this, we can teach adultsthis but if you can figure out
how to actually track and manageyour finances, that's far more
valuable than knowing how toinvest a stock or a mutual fund
or anything like that.
If you can find where it'sflowing, then you have control
(20:31):
over it.
Individuals I've worked withhave been individuals that can
systematize a lot of where theirmoney flows in and out, can
monitor it properly and keepthings flexible so that they're
not kind of stuck in oneapproach or another.
Speaker 2 (20:48):
Yeah, I love that.
You have to know your numbers,know your resources.
Now, that doesn't mean that youhave to know it to the penny,
because I think sometimes peoplefeel overwhelmed.
It's like you have to trackeverything, but you have to have
, I think a general sense ofwhat's going on, so that's
awesome advice.
The next one is what is onesimple thing people can do each
(21:11):
year to set themselves up forfinancial success?
Speaker 3 (21:16):
I think it's taking the time.
It's hard.
There's so many things that weall want in life, but the
reality is that you just need toset aside a bit of time.
It doesn't have to be asubstantial period of time, but
if it's once a month or evenonce a quarter, I'd recommend
trying once a month.
Take an hour where we kind of doan assessment Are we on track
(21:37):
for what we said we were goingto do?
Are we sticking to our goals?
We have goals for fitness.
We have goals for a variety ofthings in life.
Just add the financial piece inthere and if you have a game
plan for what you want for thefuture, it's much easier to
track it.
I think that's the hard part isthat a lot of times people save
but they don't know whatthey're saving, for, how much
(21:58):
they're saving or if they're ona track.
So the first part is toactually figure out what are the
point Bs?
What do I need to do to getthere and then create some way
of making sure you don't forgetabout it and you stay on top of
those two do's?
Speaker 2 (22:11):
Definitely and that wraps you know your two last
responses together is you knowyou have to know your numbers so
you can see if you're on trackfor goals.
But if you're not checking withyour own track, it's like what
are the goals really for If youdon't know whether you're going
to hit them or not?
They're just random numbers,and I think that's something
people struggle with.
When they're saving is like youknow how much should I put
(22:35):
aside for savings?
And then you know they're doingtheir savings at the end of the
month instead of doing theirsavings first, and that goes
back to systematizing If youknow how much you need to do and
you can.
Speaker 3 (22:47):
It's what I call a top-down approach.
So the bottom up is I need tofigure out every penny I'm
spending and where it's going,and that can drive a lot of
people crazy.
But if you say this is theincome I'm bringing in, these
are the things I have to do.
People are extremely good atadapting.
Somebody can be making acertain level of income and make
(23:09):
it work, and they can have abonus or a promotion and then
adapt to whatever that newincome is, knowing that they
were able to make the otherincome work.
So I think that if you knowkind of here's what I need to do
to hit this savings goal orsave for this particular item,
if you can systematize that atthe beginning of the month and
then know here's what's left,then it becomes a lot easier to
track and say if it startsgetting.
(23:31):
If the checking account startsgetting tight, maybe we need to
see what's going on, but if itseems pretty steady, then we're
living according to the cashflowthat we put together.
Speaker 2 (23:40):
That's awesome.
That's great advice.
All right Well the nextquestion is what is one habit
that people can change when itcomes to their money?
Speaker 3 (23:51):
Um, so money and emotion have a high correlation
and it's a high negativecorrelation.
Usually, uh, oftentimes, whenwe're about to make a decision,
uh, when it comes to money basedoff of emotion, it's usually
not in our best interest.
Uh, that can be when it comesto investing.
That can be comes withpurchasing things of that nature
(24:11):
.
So, if there is a habit, thenice part about money is, uh is
it can be systematized.
It is something that, yeah, itwould be great if I could say my
body's automatically going togo to the gym every morning and
I'm going to do a good, healthyworkout every day.
But in the finance world, youcan set up authorizations
systematically.
Pulled out of this that I canremember years back.
(24:34):
Pulled out of this that I canremember years back, mark
Zuckerberg.
They asked him why do you onlywear sweatshirts all the time?
And he said it's one lessdecision I have to make during
the day.
And I thought that was verypowerful, because the less we
have to think about things, theless, the more we can focus on
the things that are prioritiesin our lives.
So we tend to get stressed whenthere's a lot of puzzle pieces
(24:55):
that are floating around allover the place.
So the more we can eliminatethe things we don't have to
worry about and know thatthey're systematically happening
, the easier it is to focus onthe goals that make you happy.
Speaker 2 (25:06):
I love that.
I think they said the samething about Steve Jobs, too,
with his wardrobe.
Is that same thing?
Maybe it's a tech thing.
Speaker 3 (25:15):
Keep with his wardrobe.
Is that it was that same thing?
Maybe it's a tech thing.
Speaker 2 (25:17):
It's simple yeah, right, yeah, there's so many
things we need to worry aboutthese days.
Exactly so, Anthony.
What money myth are you tryingto break?
Speaker 3 (25:25):
I think, for a myth.
One of the things that I've seenin this this, my focus is
elementary school children, butone thing a lot of parents want
to do is start teaching theirkids how to trade at a very
early age, sometimes when theparents don't even know how to
trade themselves, and I thinkthat, that, while it sounds
exciting and there's lots ofapps that are out there to help
(25:47):
make that a reality, I thinkit's good to, of course,
introduce financial lessons, butyou have to be very cautious on
knowing your child's emotionalstate.
The positive behind apps is theycan be used to teach, but the
negative is that a lot of appsare built around emotion.
So, for example, when someoneplaces a trade, confetti may go
down or dings and bells may gooff, which create a dopamine
(26:10):
response of hey, this is great,this is exciting.
You should do this more often,and if a child starts connecting
emotion with money and withinvesting at a very early age,
that'll be a hard habit to break.
So I think we just need to bemore focused on those
fundamental lessons in financeand when you do introduce
(26:31):
investing, and do it in such away that you're mindful of how
the child is.
Emotions are being connected tothe decisions that they're
making.
Speaker 2 (26:40):
Yeah, I love that because I think, you know, with
every other field people startat the beginning and in the
money world, people oftentimesstart at the middle or even more
advanced, like hey, should Ibuy crypto?
Well, you know.
Have you set up your budget yet?
Well, no.
Do you have an emergency fundaccount?
(27:00):
No, or do you have a?
Speaker 3 (27:01):
credit card that has an 18% limit on it or 18% rate
on it.
So, yes, it's kind of if youcan wipe out those things as
kind of the to-dos, I don't wantto have any credit card debt
before I start trying to investin the market.
Those lessons can really behelpful for down the road.
Speaker 2 (27:18):
Definitely so.
I love that Start with thefundamentals.
It works for all kinds of otherthings.
So how can we improve the moneyconversation?
Any thoughts there?
Speaker 3 (27:31):
So what I would say is that of course, it depends on
the age and who you're havingthe conversation with, but since
my target is, in this case,young children having the
conversation with them, it goesback to the idea of introducing
stories and experiences to achild, and those experiences can
be learned through books, butit could also be doing things
(27:52):
like doing your bills and havingthe child see you, and if they
ask what that is, you can say so, our electric bill is this
amount.
And then the child starts to gooh, so that's how much
electricity costs, or how much,whatever it might be.
I think that those are the andI apologize, is it going to that
?
What was the question?
(28:13):
Again?
Speaker 2 (28:14):
Oh no, it is just how can we improve the conversation
.
Speaker 3 (28:18):
That's so it goes back to introducing the concepts
.
And then, when they askquestions, don't judge them,
just be there to answer andanswer as you'd want someone to
answer you.
Speaker 2 (28:27):
I love that when kids ask questions, don't judge them
.
I think it's easy to do thatand you know that goes back to
what you were talking aboutearlier with clients coming in
is you know the clients feellike they're going to be judged.
And you know, I know I've hadthat experience like going to
(28:48):
the doctor if I'm carrying a fewextra pounds, it's like is the
doctor going to say something?
Am I in trouble?
Speaker 3 (28:55):
You know, instead of like our worst critics are
ourselves right.
We will come up with a varietyof different scenarios on what
the person is going to thinkabout us, and they might be true
.
But regardless, if we go inwith this positive attitude that
this person's here to help orthat I can do this, all of a
sudden, just it's kind of like avision board.
(29:17):
It sounds like a silly conceptat first, but then you start to
realize, hey, if I believe I canachieve this, it's far more
likely to happen than if I thinkthat these are never going to
happen for me.
One thing that I've always foundis interesting is you hear
stories of people who win thelottery and then years later go
bankrupt, and a lot of that ispsychology.
It's that they are not used tohaving that level of wealth, so
(29:41):
they will self-sabotagethemselves to go back to what
they are used to because that'smore comfortable to them.
So the more we can have peoplefeel more confident in their
abilities to manage money and tofeel that I can achieve this.
Another great example is someindividuals who grow up where
(30:02):
their parents always have anauto loan.
They think that it's unnaturalto not have an auto loan, and
sometimes, if you can breakthose kind of habits or mindsets
.
It could be a stepping stone toa different type of life.
Speaker 2 (30:13):
Yeah, boy, speaking of auto loans, I don't know if
you saw that thing fromInvestopedia the average cost to
achieve the American dream andit was something like $4.4
million.
But one of the biggest ticketitems was that the average
person over their life willspend almost $900,000 on cars.
Speaker 3 (30:33):
And we've seen what's happened to cars just in the
past 20 years.
It's kind of I mean, you canget a base level car or you can
get something more.
It's maybe the nicest way tosay it.
It's a lot of money can go intothose types of items.
Speaker 2 (30:46):
So yeah, yeah, and that's an easy place to cut back
.
So you know.
One of the questions start towrap up is you know we'll get
out the time machine for aminute.
What advice would you give your?
Speaker 1 (30:58):
younger self.
Speaker 2 (30:59):
Let's say, if you were a kid, if you go back in
time knowing what you know nowabout money.
Speaker 3 (31:05):
So I will say that this would actually tie into the
first book that I wrote when Istarted with my daughter.
It's called Dash and Nick inthe Jelly Bean Game and it goes
back to the marshmallow study.
Are you familiar withmarshmallow study?
It's basically a study fromyears back where they put
children in a room and they saidI'll give you a marshmallow,
I'm going to step out of theroom and I'll be back in a
(31:26):
minute.
If the marshmallow is stillthere, I'll give you another
marshmallow.
And they studied to see whichkids could would take the
marshmallow or not.
And so what they discovered isthat there's a lot if the
compounding effect when you areyoung, if you can start that
saving process and see how mucha compound just saving a little
(31:46):
bit per month can make amonstrous difference for down
the road.
It's hard to see when you're inyour teens or 20s or whatever
it might be.
But there's an old phrase it'snot timing the market, it's time
in the market.
And for those youngerindividuals, the sooner they can
build that foundation forthemselves and the confidence to
say, hey, I've got my cashreserve, I've got my cash flow
(32:09):
in good order, I feel like I canstart planning for my future
goals, the sooner they startdoing that.
It's a lot less expensive Ifthey can start saving for that
new car so they don't have topay 8% on an auto loan in the
future, all those little thingsstart to add up and make a
really big difference for thelong-term plan.
Speaker 2 (32:27):
Well, and so what's the value of starting to save
early?
How does that help you?
What's that concept?
I'm looking for it of startingto save early.
Speaker 3 (32:37):
How does that help you?
What's that concept?
So, going back to the bookitself, in the book we have two
kids that start off the day with10 jelly beans and for every
hour they can resist they getfive more.
And one child wants it's abrother and sister who happen to
look just like my kids and onechild wants to win.
So he takes a plate and puts iton top of his jelly beans so he
(32:58):
can't see them.
And then money out of sight,out of mind, and as the day
passes, his pile grows and grows, whereas his younger sibling
she might've been a little bitmore impulsive and eats her
jelly beans right away.
And what we get to seethroughout the day is his pile
growing while her plate is empty.
And if that was a story it'd bea terrible story.
(33:20):
But there's a twist thathappens at the end, where they
work together and both end upwinning.
But I think that it's a reallyhard thing to teach kids to
delayed gratification, how ifyou wait, you can have so much
more.
And I think that the easiestway to introduce those concepts
is through storytelling andthrough examples, where they may
(33:41):
not experience it themselvesbut they can see someone else
experiencing it and think ofwhat emotions they have going
through their mind as they seethat empty plate that the one
sibling has.
And you know, I'd rather be inthat position than the other
position.
So it's for the young ones it'sreally about allowing them to
experience emotions and thoughtprocesses that the sooner we can
(34:05):
introduce these concepts tothem not necessarily trading and
all that, that's a little morecomplicated, but just basic,
delayed gratification andunderstanding how money works
the easier it becomes down theroad for them and they start to
feel you know, I know why I'mdoing something, I know what
will happen if I do this andthat's pretty exciting stuff,
(34:26):
yeah, and I was going to say andusing some like jelly beans is
something that they can identifywith.
Speaker 2 (34:34):
It's not an abstract thing where they have to think
about.
Well, I don't know what awidget is or whatever it's like
every kid knows what a jellybean is.
Speaker 3 (34:40):
So yes, absolutely.
And a lot of individuals askfor that book why I didn't use
money specifically to talk abouta money lesson, and it's for
that reason.
It's that children don't.
They can't earn money at such ayoung age, so they don't value
it, even if they get anallowance.
It's kind of like okay, there'sthis money that's being put
here, but I don't fullyunderstand how it works.
But they can understand thevalue of that tasty jelly bean
(35:02):
or other things and, yes, candymay not have been the best
approach to use for teaching alesson, but a jelly bean here
and there doesn't hurt too much.
So, yes, a lot of parents knowwhat their kids' passions are,
what their kids' interests are,and it's just trying to find
those particular items that theydo value and use that as your
(35:24):
example item.
Speaker 2 (35:26):
Yeah, Know how to talk to your audience.
Use words that your audienceknows.
So, Anthony, as we start towrap up, what is your number one
favorite money resource thatyou go to, whether it's a
podcast, book, newsletter app orwebsite?
Speaker 3 (35:43):
Favorite resource.
I mean, obviously it depends onthe grouping In the world For
yourself.
Speaker 2 (35:53):
Oh for me as an individual.
Speaker 3 (35:55):
So well for me, I as a financial planner and being in
that world, I find that I meanthere are a variety of different
designations that are out thereand over the years I found that
many of those designations havebeen instrumental in teaching.
Maybe not the full piece, butthere are nuggets that you get
out of everything and there arebits of information that
(36:16):
becoming a CFP, becoming a CHFC.
There's a designation calledBFA, which stands for Behavioral
Financial Analyst, which talksabout the emotion and money that
was incredibly helpful.
And there's one called RICP,retirement Income Certified
Professional that I found wasjust very helpful in helping
(36:40):
individuals prepare for thattransition into the next stage
or the retirement years of life.
A lot of times thosedesignations, yes, they look
nice behind a name, but there isa lot of knowledge and
expertise that goes intobringing them and they just
introduce concepts that you maynot get in the everyday world.
So I find that, at least in thefinancial services world, that
(37:04):
they are very helpful to haveand good things to look for if
you're looking to hire somebody.
Speaker 2 (37:09):
Definitely yeah, and I think that's powerful.
Advice is you know thedesignations.
You know sometimes they don'tmean as much, but there are a
lot of designations, like you'retalking about certified
financial planner, that there'sa lot behind it.
And if you're not sure if adesignation brings power to your
advisor or means anything is,go to the designations website
(37:30):
and if it's a worthwhiledesignation, it will tell you
what goes into it.
And then the CFP is not an easydestination to get.
Speaker 3 (37:40):
And it just shows they also have an interest as
well, that they want to learnmore.
And if someone doesn't have it,it doesn't mean that they don't
, but at least as a it's hard totell you.
When you work with a financialplanner, you're trying to
determine a trust and aconfidence level, and sometimes
things like that can be justanother added piece to give you
that.
And, as you said, there's lotsof different designations.
(38:02):
So do your research and findout which ones do have a bit
more merit than others.
But if someone has them, itshows that they do have a
passion towards that particularfield of study.
Speaker 2 (38:13):
Yeah, and I know I have a CLU chartered life
underwriter and for me that'stable stakes if you're in the
insurance business.
So I think yeah for consumersand for their advisors.
When you're working with otheradvisors and trying to decide,
you know like, do I want torefer business to another
advisor?
I don't know.
Well, as you know, that's alsosomething you can use as the
(38:33):
guideline.
You know, like you said,there's a new designation, ricp
Retirement Income Professionaland so that's an important one.
You know, not something thatsomebody 20 years old is going
to need an RICP.
Speaker 3 (38:47):
So yeah, yeah, there's a lot of information and
I think that's probably one ofthe hardest parts for a lot of
people trying to sift through itall, and I think that's
probably one of the hardestparts for a lot of people trying
to sift through it all.
And I think podcasts like yoursare a great, an incredible tool
to get nuggets Once again,little pieces that hey, this
does make sense that relate.
I can understand that mindset.
So knowledge is power and ifyou find a trusted source, hold
(39:13):
onto it.
Speaker 2 (39:16):
That's exactly it.
So, to wrap up, anthony, whatis your number one?
Speaker 3 (39:23):
tip on changing the way we think about money.
Don't judge yourself and don'tjudge others.
I mean, as corny as that mightsound, it's the more that we can
just realize that we're allgoing through this crazy world
together.
We're all trying to figure itout.
Different people will be atdifferent stages.
There will always be somebodybetter than you, always somebody
(39:43):
worse than you.
I'll share my last littlethought process that always hits
me is if you had the choice Ithink that Warren Buffett or
someone stated this a littlewhile back.
If you had, if your life was aping pong ball and you could
throw that ping pong ball into agiant pool full of ping pong
balls for everybody else in theworld, and then you get to pull
(40:05):
someone else out at random,would you do it?
And I've yet to meet someonewho says yes, because then they
start to think about oh, there'sa lot of people that are in
much worse position than I am,and when we only look at
ourselves, we sometimes think,oh, I'm messing up or I'm behind
or I'm not where I should be.
But the reality is thatsometimes, with some minor
tweaks, you can really getyourself propelled to that next
(40:27):
level and you're probably in amuch better position than you
think.
So if you can have thatconfidence fear of judgment
going back to what I saidearlier if you can not judge
yourself, that will be a hugestep towards um achieving
whatever dreams you have.
Speaker 2 (40:45):
That's awesome.
That's fantastic advice.
To close out on, so Anthony,where can people find out more
about you?
Where can they pick up yourbooks?
I know you have a cup.
Uh, have one of your bookshandy there.
Speaker 3 (40:54):
I do so I mean Dash and Nikki, and the Jellybean
Game is the first one that's out.
They are available in hardcover, softcover, ebook formats.
The best place to go is mywebsite.
It's owningthedashcomO-W-N-I-N-G-T-H-E-D-A-S-Hcom
(41:14):
owning the dash.
Books are also available onAmazon and Barnes, Noble and
where books are sold.
But on the website, in additionto the books, there are also
free resources for parents andteachers, where we have
discussion questions that youcan use.
We actually have games andactivity books, so lots of fun
things to help not only read thebook but have ways to introduce
(41:36):
some of these concepts in amore fun and engaging way with
the kids.
Speaker 2 (41:42):
Awesome, awesome.
And, as always for everyonewatching and listening, there
will be links to Anthony's booksand website in the show notes
so you can get in touch with himand pick up a copy of his book.
So Anthony thanks again forjoining us today on the Get
Ready Money podcast.
Speaker 3 (41:57):
Thank you so much for having me.
It's been wonderful.
Speaker 2 (42:00):
Yeah, this is awesome .
Appreciate your time and yourinsights and everyone.
I thank you, as always, fortuning in to this episode of the
Get Ready 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.
Thanks for watching.
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