January 6, 2025 • 41 mins
In this episode, Jess and Brandon unveil their D.R.E.A.M framework for couples, designed to facilitate meaningful discussions about money by focusing on emotional connections rather than just numbers. They explore the importance of diving into personal money histories, reflecting on their impact, engaging in shared goals, taking action, and ongoing management to foster strong financial partnerships.
If you’re ready to have better conversations about money with your partner in 2025, then this episode is for you.
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Notes from the show:
Learn more about D.R.E.A.M here
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
In today's episode, we are introducing our new
framework for couples to havebetter conversations around
money.
We are calling it DREAM becausewe want you to DREAM BIG
together.
Stay tuned as we break downthis acronym D-R-E-A-M, so that
you and your partner can havethe best conversations around
money possible.
Speaker 2 (00:20):
Hey, babe what are we talking about today?
Speaker 1 (00:32):
Today we are talking about the framework that we
created for couples to havebetter conversations around
money, and I'm so excitedbecause I realized that not
everybody talks about money theway we do, and it's still
something that people are reallyuncomfortable with, intimidated
by.
There's a lot of shame, a lot ofguilt.
(00:53):
We talk about that quite a biton the podcast, and I think one
of our superpowers is that wetalk about money all the time,
and that's not to say that allof our conversations are
rainbows and butterflies, but itis something that we are very
comfortable talking about.
And the one thing that I thinkwe've done really well over the
(01:13):
years is we've dreamed bigtogether, and that is what keeps
us focused on our goals,focused on our mission, focused
on what's important to us, andhelps us realign during those
times when you know maybe wewant to spend on some things
that we shouldn't be spending on, or you know we need to kind of
recenter refocus.
(01:34):
And so we came up with aframework for other people to
have better conversations aroundmoney that aren't focused
really at all on the numbers,because we know that the numbers
, those are black and white.
It is what it is.
It's cash flow, it's money in,money out, but where we think
people really get stuck is thatemotional part of money.
(01:56):
And money is emotional.
We all have an attachment to it, whether it's good, bad,
healthy, unhealthy, and it comesfrom somewhere.
So today we're going to bedigging in and diving into our
new framework.
Speaker 2 (02:08):
And, as you know, most of us know that the basis
for a great relationship whetheryou know, any type of
relationship that you have inyour life is based upon having
good communication and,unfortunately, a lot of people
don't have good communication,and it's something that you
really need to work on in allaspects of your life if you want
to have better relationships.
So we are really excited aboutputting together this framework
(02:31):
so that you and your partner canwork on your communication so
that you can ultimately have abetter relationship and also
live the life that you want tolive.
Speaker 1 (02:39):
Absolutely.
And just for anybody who mightbe new, you know, if you've been
here a while, you know this.
But if you're a new listener,welcome.
Thanks for being here.
But Brandon and I are bothproducts of divorce.
This framework is not comingout of a place of, oh, we're
doing everything perfect, ourmarriage is perfect, our
parents' marriages were perfect.
You know we're drowning inmoney.
(03:01):
I mean, that is not the case.
Right when we first gottogether, I had six figures in
student loan debt.
My parents had just gonethrough a I don't know if I want
to call it a messy divorce.
I mean, I think all divorceshave some level of mess to them.
Brandon's mom and dad gotdivorced when he was younger, so
that's a totally differentscenario when you are going
(03:24):
through divorce as a childversus as an adult, and so we
lived and learned in our ownways.
And then, when we merged ourlives, you know it's something
that we really wanted to avoid.
We wanted to avoid our parentsmarriages, and that is why we
started talking about money very, very early on, and so we want
(03:44):
to help people have those sameconversations in a way that's
not intimidating, it's not scary, and you're really learning and
growing together, not only fromeach other, but also as
individuals, and I think what'sreally important here is that
you should be having theseconversations as early into your
relationship as possible.
So, even if you're in a newrelationship, let's say you're a
(04:08):
few months in and you know hey,this is going somewhere, this
is meaningful, this is a greattime to start initiating this
dream framework D-R-E-A-M.
However, if you're a decade plusin, like we are, this is
something that you can stillimplement.
Plus in like we are, this issomething that you can still
implement.
And even you know being wherewe are, with Brandon being a
(04:29):
financial advisor, us having afinancial literacy podcast, we
still have to continuously havethese conversations because our
lives are constantly changingand evolving and this is not a
one and done.
So, whether you're brand new inyour relationship or you're
well established, we believethat this is a framework that
you can use to help ground youin your values, your goals and
(04:50):
your vision for a beautiful lifetogether.
Did I miss anything?
Speaker 2 (04:54):
Nope, I think you covered it all.
Speaker 1 (04:56):
Okay.
So unfortunately, we know thatmoney is still cited as one of
the main reasons for divorce,infidelity being number one and
and money being, you know, inthe top three, and so we know
that people are not having moneyconversations early enough
often enough, and that leads toproblems, right?
Had I not told you that I had$100,000 in student loan debt
(05:20):
coming into our relationship andthen we got married and then I
was like, oh yeah, by the way, Imean hello, that's a huge
problem.
We shouldn't be doing that,yeah.
Speaker 2 (05:30):
I a hundred percent agree that we shouldn't be doing
that and unfortunately that iskind of the reality that too
many people actually operate andthey start to have these
conversations too late intotheir relationships.
Speaker 1 (05:42):
Right, and so, instead of waiting until it's
too late, springing this kind ofinformation on your partner,
let's?
We are here to encourage you tohave those conversations early
and often, so that you don't endup being a statistic.
Right?
These conversations, you canhave them.
This is an avoidableconversation or problem, right?
(06:02):
We can help avoid divorce bybeing honest, by having open
communication, and so one of thethings that we wanted to ground
you in in this framework isdreaming big, and so we ended up
calling the framework dream D,r, e, a, m, and each letter, of
course, means something.
We're going to dive into thesecomponents.
(06:23):
This is something you're goingto be hearing us talk about
throughout this year.
So, welcome to 2025.
We are dreaming big.
We are going to scratch thesurface of the framework.
Give you some insights into howyou can start dreaming early in
2025 with your partner to havethese better money conversations
.
Did I miss anything?
(06:44):
Okay, all right.
So the first part of dream iswell, first let me say you make
the rules.
This is a framework, right?
This is to help guide you inthe conversations.
You and your partner still getto decide what the rules are,
what makes sense for you andyour relationship and guess what
?
You can change the rules today,tomorrow, a year from now.
(07:08):
Right, you are in charge.
We are just simply trying togive you guidance so that you
can have better conversationswithout the intimidation and the
shame and the guilt.
The D, I think, is really,really important in dream.
So D stands for dive, and weknow that money is emotional and
that emotion stems fromsomewhere, and different studies
(07:31):
have shown that you basicallyhave formed your opinion about
money by the age of seven, andso really, whatever you feel
about money now, whether youhave an abundant mindset or a
mindset of scarcity, thatprobably came from your
childhood or your childhoodthrough your adolescence.
And so in D, we want you todive deep into your past and
(07:54):
really understand why do youfeel about money today based on
what happened in your past?
Speaker 2 (08:04):
I would say this is one of the biggest things that
people kind of gloss over whenit comes to the overall
financial planning process,because the math part of
financial planning is theeasiest.
It really is.
Math, as I always say, is thesame in every language Two plus
two equals four all the time.
All right, Now, everyone has anemotional attachment to their
money and you want to find outwhere that emotion comes from,
(08:27):
Whether that's diving into.
Did you have moneyconversations in your family
growing up?
Did you not have moneyconversations?
How you interacted with moneyat a very young age has, in one
way or another, had an effect onhow you interact with money as
an adult.
Speaker 1 (08:43):
Absolutely.
So this is the time where wewant you to really dive in and
understand.
Where did my mindset aboutmoney come from?
So this is a good time tounderstand.
How is money handled during theholidays, during gift giving,
celebrating, dining out, duringtravel?
Did you travel?
Did your parents talk about nothaving money to travel?
(09:04):
If you asked for something in astore, was the response we
can't afford that.
We're not buying that right now.
Don't ask me for that.
Whatever it might be, there'sno right or wrong here.
We just want you to really divedeep into understanding where
your mindset comes from.
Were there any money rules inyour household growing up?
What did you hear the adults inyour life say about money?
(09:26):
Was money calm in your home orwas it chaotic?
I know we've had so many guestson our show that have talked
about that scarcity mindset.
You know, coming from nothingand then building what they have
now and so wanting to live alife of abundance because they
lived in scarcity, and sowanting to live a life of
abundance because they lived inscarcity.
Even if you have a scarcitymindset, right, there's kind of
(09:48):
two different ways you can goabout that.
Right, it's hey, I grew up withso little.
Now I have what I need, but I'mgoing to hoard it.
Now I have a really hard timespending money.
I'm really frugal.
I cut coupons.
I go to six different grocerystores to find the best deal on
strawberries.
That is a mindset.
You could also have a scarcitymindset where you're a spender.
(10:10):
Hey, you get that paycheck,boom, it's out the door because
you don't know when you're goingto have money again and you
want to make the most of itright now.
And so even as simple assomething like scarcity mindset
and I don't mean to call itsimple because it's not, but you
can take that in two differentdirections and so really
understanding what that mindsetis and where it comes from, that
(10:32):
is going to ground you for therest of the letters in our
framework.
Speaker 2 (10:36):
And I would say this is not just simply thinking
about negative things that havehappened in your upbringing when
it comes to money, because,also, what are the good things
that you know, you learned at ayoung age that you've now
brought into adulthood?
You know, for me, one of thethings I've talked about
numerous times in the past isthat at a young age, my mom did
a good job of teaching us how to.
You know, she gave us, like youknow, some money during
(10:56):
Christmas and we then we hadallocated to what we want to buy
.
So, whether you know, I want tobuy one shirt that's $50, or I
want to buy two shirts that's$25, that definitely is
translated into how I interactas an adult, as being very good
at determining what to want andwhat to need, so it's not just
simply a negative idea of whatinteractions with money.
You can definitely lean intothe good things as well.
Speaker 1 (11:15):
Absolutely.
Have you been listening to ourpodcast and wondering how am I
really doing with my money?
Have you been listening to ourpodcast and wondering how am I
really doing with my money?
Am I doing the right thingswith my investments?
Am I on track to reach myfinancial goals?
What could I be doing better?
If you answered yes to any ofthese questions, then it's time
(11:35):
for you to reach out to Brandonto schedule your free yes, I
said free 30-minute introductionconversation to see how his
services could help make you themore confident moneymaker we
know you could be.
What are you waiting for?
It's literally free and at thevery least, you'll walk away
feeling more empowered andconfident about your financial
(11:56):
future.
Link is in our show notes Go,schedule your call today.
And next, that takes us intoreflect.
So the R stands for reflect.
We want you to take what youjust learned about yourself
while diving deep into whereyour money mindset comes from,
your thoughts and feelings andemotions around money, where
(12:16):
those came from, where thosestarted, how those developed,
and we want you to reflect onhow is that currently showing up
in your life.
I will tell you we are probablyagain in the rarity of the fact
that we talk about money notonly together all the time, but
also with our friends.
We very much have a closecircle where you know we're like
, hey, what's your mortgage,what's your APR, what credit
(12:39):
cards did you open?
Who's getting the most bonusmiles?
You know who's going to pick upthe tab for dinner because they
want to 5x their miles, youknow for dining out or you know
whatever it is mortgage rates,etc.
Bonuses that have been gottenat work.
I mean, we talk about money allthe time, but we understand that
that is rare, rare.
(13:04):
But we want to understand moreabout how it shows up in your
relationship.
Because the reality is is, eventhough we're talking about
money all the time with ourcircle, people have very
different uses for money,feelings around money and,
especially when you're in arelationship, people spend money
differently.
And so this is your time toreflect on how that money
(13:24):
mindset is showing up for youtoday.
And the reality is is mostpeople didn't come from the same
money background, right?
And then that means when you'recoming together as a unit and
you're combining your money,spending your money together,
figuring out how to spend yourmoney together, that can be a
challenge because we're comingfrom one place, somebody else is
(13:46):
coming from another place, andnow we're supposed to figure out
how to do this together.
Speaker 2 (13:50):
I can think of one really good example that during
the reflecting stage, justin andI worked through something.
So I was fortunate enoughgrowing up that when I went to
college, my mom outside thescholarship money that I had, my
mom paid for the remainingbalance of me to go to college,
and same thing for my brotheroutside of the athletic
scholarships that he had, youknow.
So I was of the mindset that Iwould like to pay for my kids to
(14:11):
go to college, so they're not,you know, stuck with a bunch of
student loan debt, whereas Jesshad to pay for her education, so
she had to pay for it herself,and so at first she kind of had
a different mindset, but then,like reflecting on where it came
from, obviously she had to payfor her own college.
I grew up not having to pay formy own college, and talking
through it and how we actuallywant to do it together when it
(14:32):
comes to our kids was veryimportant.
Speaker 1 (14:34):
Right.
And also the fact that younever said, hey, well, now this
debt is still your debt, so youfigure that out.
It was like, all right, this ispart of our household bill,
right?
How do we pay for this?
How do we allocate this?
What can we do to make thisbetter?
How long do we want to take totake it off?
It very quickly became an usproblem, not just a me problem,
(14:59):
and again, not saying thatthat's the right way to do it.
That was the right way for us.
But again, in this reflectstage, I have since changed my
mind on.
Well, maybe we take out theloans for our children but then
pay them off so that they, youknow, have that instant credit
boost.
Or, you know, maybe there is away to get around them having to
(15:20):
pay for it altogether.
You know, we've now opened Atthis point.
Speaker 2 (15:23):
who knows what college is even going to look
like.
Speaker 1 (15:24):
Well, that too, yeah, but you know we've opened the
529 plans for them, so we'replanning for it.
And so, again, having thosedeep conversations around well,
why do you feel this way aboutit, versus how I feel, and how
do we want this to look in thefuture for our children?
You know that's a very it's abig conversation.
There is no right or wronganswer.
Again, you get to make therules, but it is something that
(15:49):
has come up for us and in thatreflect stage, we want you to.
You know, take what you learnedand dive to really understand.
What do you want that vision tolook like?
That's a great example, allright.
Next, we have E for engage, andwe've always said that money is
a tool.
There should not be a monetarynumber.
That is a goal, right?
If you were one of Brandon'sclients and he said, well,
(16:11):
what's the goal?
And you said a million dollars,he would say no, not at all,
that is not the goal.
So, really understanding whatyour goals are, so you're
engaging with each other tounderstand not only your
individual goals because, guesswhat, you still get to be your
own person in a healthyrelationship but you also need
(16:33):
to dream together, and that'sthe one thing that has grounded
Brandon and I from the verybeginning is we've always had
really big, audacious dreamsYou've heard us talk about.
You know.
The one that we always jokeabout is Bora Bora, the hut over
the water, right Like that'sthe ultimate dream vacation for
us.
But this is the time to reallydive in and understand what are
(16:57):
your goals and what are my goals, and where do we find that
commonality?
What are our goals together asas a couple?
Speaker 2 (17:05):
Yeah, like you said, the big thing is is dreaming
without limitations.
So this is the point where youget to have a fun conversation
where, like you, are reallysculpting the type of life that
you want to live.
You know, like she said, yourindividual goals as well as the
goals that you guys havetogether, and, from my
experience, a lot of couples donot do this.
(17:26):
I cannot tell you how manytimes I've sat down and got to
this point of the planningprocess where we're diving deep
into their goals and you havecouples who have not had this
conversation.
It's very obvious on the calland you have, you know, people
sharing information, and this isthe first time that their
spouse is hearing it while I'malso hearing it for the first
time as well.
Speaker 1 (17:46):
That shouldn't happen .
I mean this is the fun part.
I mean talking about all thebills and the this and oh, we
need to plan for that, and oh,this car repair and oh, this vet
appointment.
Those are, oh, that's the moneycrap that nobody wants to talk
about.
That's the not fun stuff.
This is the time that you getto say, wow, maybe for our 10
year anniversary we should go toGreece for two weeks.
(18:08):
Here are the islands we shouldgo to.
Here's how we want to get there.
Definitely private jet, youknow.
Speaker 2 (18:14):
But this is also like .
This is also like, you know,planning out your dream career.
You know, maybe you're ayounger couple and you're just
starting out in your careers,but this is like, oh, I want to
eventually be a CEO.
Speaker 1 (18:24):
Like this is what this part of the dream about all
of it.
Speaker 2 (18:27):
Yes, this is what this part of the framework is
for.
Speaker 1 (18:30):
Yes, dreaming about the career, what you want your
Tuesday in 30 years to look like.
You know, your Tuesday morningat 9am and 10, 20, 30 years,
your dream vacations, your dreamhome what work optional looks
like for you when you're lookingto achieve that.
Speaker 2 (18:46):
because, as I said before, we don't really use the
word retirement here, becausewe're trying to get work
optional as soon as possible,not retire at like 60.
Now, if you want to retire 65,cool, that's for you, but we're
trying to be work optional assoon as possible.
Speaker 1 (18:59):
Right.
So don't say well, I want toretire at 60.
Well, what does that look?
Speaker 2 (19:03):
like.
What do you?
Speaker 1 (19:04):
want to do during retirement?
What kind of life are you goingto live?
Where are you going to live?
What are you going to do?
What's going to be filling yourday?
What's still going to belighting your fire?
This is the time to dream indetail, and so we want you to
engage with each other to reallyunderstand what does the best
possible life look like for you,for me and us together?
(19:28):
So, as we iterate on this,we're going to be sharing
different tools and resources ofquestions that you can ask
yourself and each other duringthis stage or these stages,
activities that you can dotogether to help you dream big
together.
Again, we're scratching thesurface today, but think about
you know what would you?
We're scratching the surfacetoday, but think about what
would you do if you won thelottery tomorrow and you were
completely set?
How would you fill your time?
What would light your fire?
(19:49):
Do you wanna start thatnonprofit?
Do you wanna move abroad?
Do you wanna build the familycompound?
Whatever that is?
Again, there's no right orwrong.
This is your dream life, so youget to decide.
But we want you to dream indetail, Every detail we want you
to really focus in on.
Not well, I would buy my dreamhouse.
What does that look like?
(20:09):
I need details.
Speaker 2 (20:11):
Also this.
Also this helps you know as faras when the planning process,
as far as getting excited andhaving that momentum to go
through those days where it istough but you cause.
You already know what the goalis and what you're trying to
achieve.
What's at the end of the tunnel, per se.
So, this is what drives youthrough the bad days, because
you're going to have good days,but you're also gonna have bad
(20:32):
days and you're going to need tohave some form of motivation to
get through those bad days.
Speaker 1 (20:35):
Absolutely.
It's also what can help you.
I think what you're trying tosay too, babe, is it's going to
ground you right?
Because if I said to Brandontoday, hey, I'm going to get the
contractor back because I wantto do that accent wall in the
living room, which is somethingI do want to do, and he does
know I want to do that he couldeasily say, hey, but we're
already planning for Christmas2025.
(20:56):
And I thought you wanted to gohere and do this, and et cetera,
et cetera.
We budgeted X amount of dollars.
If we do the accent wall, we'regoing to have to sacrifice
somewhere else.
So what else throughout the year?
Do you want to push down thepriority list?
Right, I would rather take atrip than have an accent wall in
my home.
I mean, you can look behind usright now If you're watching on
YouTube.
(21:16):
We've got the wallpapers, we'vegot the accent walls, the house
is perfect the way it is.
Are there things we could do?
Of course, there's alwayssomething to do in homeownership
.
However, what's more importantwhen we align our goals?
What we want for our family,what's important for our
children?
Travel, making memories andhelping them see the world is
(21:37):
top three at all times.
So are they going to rememberthe accent wall in the living
room when they're 22?
, you know, and we have to kindof coerce them to come home from
college.
Speaker 2 (21:49):
That would be a hell of an accent wall.
Speaker 1 (21:51):
Or are they going to remember hey, we've taken
amazing trips with mom and dadand they are saying we're going
to go here this year forChristmas.
Absolutely I don't want to missit.
So, again, it really helpsground you back to your goals
and your values and what'simportant to you as a family.
Next, we do have to act.
So the A stands for act.
(22:11):
We can dream big, but if you'renot actually taking action and
putting processes, systems,steps in place to move forward,
it's just going to continue tobe a dream, and we want your
dreams to become a reality.
So goals without a plan aresimply dreams and we need to
move these dreams forward.
(22:32):
So this is the phase where youwork together to figure out what
changes you need to make toyour finances to get you closer
to that dream life that youdescribed in the engage phase.
And again, the more detail thebetter.
So if you closer to that dreamlife that you described in the
engage phase and again, the moredetail the better.
So if you want to travel moreand you're not currently doing
that, well, that's going to besomething that you need to
budget for.
You know, if you want to eat atthose Michelin star restaurants
(22:53):
and you're not currently doingthat.
Well, how much is that going tocost?
How often do you want to do it?
Where do you want to do it?
How are you going to get there?
You're going to set your budgetfor it.
You know if you need to get anew car, how are you going to
afford it?
This is where you get specificabout your numbers and you're
planning.
You're in the planning phase ofunderstanding.
What does my year look like?
Oh, we got to replace the airconditioning.
(23:14):
I know it's about to break.
We got to do that before summerbecause it's 110 degrees in
North Carolina.
This is the time that you'remapping out and planning what
the finances actually look likeand how are you going to achieve
those goals.
So you've got to take thataction.
Speaker 2 (23:30):
I would say this is also one of the areas where most
people fall behind.
Speaker 1 (23:34):
Yes.
Speaker 2 (23:34):
You have to be intentional about what you are
doing and you have to have aplan in place, because nothing
grand happens just bycoincidence, happenstance
doesn't happen that way, right,and most people have a hard time
with the action part.
You know, this is the part whereI honestly say, for most people
(23:54):
, having a professional likemyself to help you out, it's,
you know, pay for itself 10times over.
Because talking about, you know, doing the first, you know,
part of this, doing the D, the R, the E, that's great, all that
is great, but it doesn't reallymean anything if you don't
actually do the actions and putit into place.
(24:15):
You're just havingconversations and you're not
moving the needle towards whereyou want to be.
Speaker 1 (24:20):
And we talked a lot about in 2024,.
You know we understand life isbusy, our life is busy and,
again, we are not here to saywe're doing things perfectly.
What we do well is weprioritize, we hold each other
accountable and we plan and thenact out that plan right.
We knew that we needed a newwill.
We knew that we needed a newtrust.
(24:40):
We got it done.
We knew that we needed, youknow, to open up new bank
accounts, for whatever reason.
We got it done.
Whatever it is.
Are you actually moving forward,or do you just keep saying I'll
do it tomorrow, I'll do it nextmonth, I'll pencil it in this
coming weekend and then it neverhappens?
If you know that you need help,that you need a little bit of
(25:02):
handholding, that you need anaccountability partner to keep
you on track, to help youmobilize forward in the positive
direction, take the time thisyear to schedule the call with
Brandon or one of the Brandonsof the world right to have
somebody hold your hand, to holdyou accountable, to keep you on
track, so that at the end of2025, you're not still sitting
(25:25):
in the same place that you wereat the beginning.
We want to make sure, if youknow that you need to reduce
some debt, that you have a planin place that is actually
actionable, that makes sense,that is realistic, while also
still hopefully investing andstill living life right.
This is not the podcast wherewe say you can't go into a
(25:46):
restaurant if you have any debtunless you're working there.
You know you can go, listen toyou Know who.
If that's the kind of adviceyou want, we still want you to
live life while paying down debt, while investing, while
traveling, while doing thethings that you find value in.
If you need help with that,reach out to Brandon and see how
you guys could work together in2025 so that you can actually
(26:07):
reach your goals and you're notwasting another year.
Speaker 2 (26:10):
So also part of this ACT process is that the one
thing that is finite is time.
You can't get it back once it'sgone.
So you need to really thinkabout all the time that maybe
you have wasted by not takingaction and change that.
And it's okay because, like Ijust said, so many of us have so
many things going on in ourlife and we're so busy and some
(26:32):
things just get pushed to thewayside.
And from my experience, one ofthe things that gets pushed to
the wayside is the financialplanning aspect, when in reality
that should be the first thingyou do, because that's going to
be the driving factor behind amajority of the things that you
are able to do in your life,right?
so stop wasting the time becauseyou're not going to get it back
.
Let's start from a new today,you know, in the new year, and
get something you know, get anaction.
(26:53):
What I'm trying to say is callme.
Call me so that we can get thisdone for you yes, and that
leads us into the m, which ismanage.
Speaker 1 (27:04):
This is going to be something that needs to be
managed, depending on what stagein life you're in.
This could be a weekly basis, amonthly basis, a quarterly
basis.
You need to manage this.
Our lives are constantlychanging, right?
Did you go from hey, we'renewlyweds to now we're newlyweds
with a child.
Now we have two children.
(27:24):
Now we have two children in ahouse.
Now we need a new car.
Now we have two children in ahouse in a new car.
I mean, life changes constantly.
Did you move a parent in?
Did you move a parent intomemory care?
I mean, there are so manythings that come up, especially
in this elder millennial stageof life, and we've already
talked about the sandwichgeneration at the end of 2024,
(27:46):
right, we're in a very busystage of life where we are
raising our littles, but alsotaking care in a lot of times,
our parents and making sure thatthey're okay and that they have
what they need and that they'resafe, and so we know that life
is busy.
We are going to have tocontinuously manage what this
looks like.
The goals are changing, thevisions are changing, what your
(28:10):
dream life is.
Speaker 2 (28:11):
The economic environment is changing.
Speaker 1 (28:12):
Yes, and we know that that's going to be changing all
throughout 2025 and beyond, andso this is where you are
putting together a schedule.
This is a great time to haveyour money meetings.
What are you going to commit to?
Are you going to have them on amonthly basis, a weekly basis,
a quarterly basis, to help youmanage your progress?
(28:33):
Are you moving towards thosegoals?
Are you sticking to the plan?
Does the plan need to beadjusted?
So?
Money like, your goals aregoing to fluctuate.
Speaker 2 (28:42):
I would say also based upon you know the goals
that you're trying to achieve,then, as just said, the cadence
of how often you're meetingcould be could have a variance
to it, because certain goalsthat you might want to achieve
are going to require a few moremeetings more often.
As compared to you know some ofthe more long-term goals, you
don't have to have as manymeetings on a regular basis, but
(29:03):
the idea is that you aretalking with your partner and
you're putting a plan in placeon how to manage this, because I
always say that you need tohave a focus on the planning
aspect and not just the plan.
You do have a plan in place,but it's more important to focus
on the planning because, asjust said, things are going to
change, you're going to need tomake adjustments, and that needs
(29:25):
to be accounted for sooner thanlater when it comes to the
planning process.
Speaker 1 (29:29):
Well, yeah, you have the plan, the noun, and then you
have planning, the verb right,where you're actually doing
things, putting things in place,allocating money in a certain
way, actually looking at yourmoney, right?
I think, even just talking topeople in our DMs and through
the podcast and just people inour network, a lot of times
people are still not looking attheir money in black and white,
(29:51):
and so you know whether you knowhow much money is coming in,
how much money is going out.
I mean, that's step one, right?
Can you actually do the thingsthat you are setting out to do
with the budget that you have?
Do you need to cut back?
Do you need to increase yourincome?
Do you need to try to do both?
I mean all of those things.
You have to analyze thatinformation.
(30:12):
But even as simple as, are wegoing to track this on paper?
Are we going to use an app?
If you're one of Brandon'sclients, he will give you access
to planning software where youcan track your net worth.
You can track all your expenses.
See it all right there in blackand white.
See that you're overspending onthe iced coffee, right?
We always like to talk about theiced coffee, so having a plan
(30:34):
to manage, not just okay, we'regoing to meet every Tuesday at
seven.
What are you going to doTuesday at seven?
How are you going to look atyour numbers?
Do you have something that youneed to bring to the table?
Does your partner havesomething to bring to the table?
Are you both going to pull upyour laptops?
Are you going to utilize aspreadsheet?
What is that going to look like?
How often are you going to doit?
And again, we want this to comefrom a place of love, of
(30:57):
dreaming big, of empathy.
We don't want this to bestressful.
We don't want this to besomething you dread, right.
We want this to be somethingthat you look forward to, and
even if the numbers are notwhere you want them to be.
Speaker 2 (31:11):
Because they're probably not going to be Right.
Speaker 1 (31:13):
That's the reality, and even for us, right, our
numbers aren't where we wantthem to be.
Our numbers are not where wewant them to be, not where we
want them to be.
There's always room forimprovement.
There's always room for more.
I always want a bigger travelbudget, I can tell you that.
So even when we look at ournumbers, right, we're looking at
it from a lens of all right,where are we going to spend our
money?
Do I need to do this to gethere?
(31:39):
Where can I cut back?
You know like, one thing that Idid this last year is I was
getting my nails done veryregularly.
It's something I enjoy.
I like having my nails done.
Is it a necessity?
Absolutely not.
And so that's one area that Icut back and I said all right,
I'm only going to, I'm going togo back to doing my nails for
special occasions and a specialoccasion is typically a trip,
right?
So, again, it's minor, but it'ssomething that I'm conscious
(32:03):
about because, again, it adds up.
It gets expensive to do thatevery two weeks, twice a month
or whatever it might be.
Where can we cut back so that Ihave more money to spend on
things that are really importantto me again, which is travel.
I'd rather fly first class onflights that are four hours or
more than get my nails done.
Speaker 2 (32:20):
I can tell you that right now on flights that are
four hours or more than get mynails done.
I can tell you that right now, Irather do that too.
But also part of this is beingproactive in what you're
thinking about and what you needto plan for.
I think too often people arereactive when it comes to the
financial planning aspect.
So, hey, let's sit here downand talk and during our
management meetings, hey, whatis something that's going to be
maybe coming up in the next yearor two that is going to,
(32:42):
obviously, you know, call for usto set aside money for it?
All right, we thought about,this is happening in two years.
It makes it very easy to planhow much money we need to set
aside for said thing as comparedto oh, I need this, oh, we
don't have enough money, whatare we going to do money, what
are we going to do?
So a lot of it is going to bereally thinking about not just,
like you know, the short termgoals, but the midterm goals,
(33:06):
the long term goals and tryingto put a plan in place for those
as well.
Speaker 1 (33:08):
Absolutely, and remember, as you're going
through this and we're going totalk about this in more detail,
especially on social media, inour newsletter we're going to be
breaking things down, givingyou additional tools.
We're really excited about this.
This because we want you tohave great conversations around
money together, as a team.
And, as you're going throughthis, remember you are on the
same team, right?
(33:29):
It doesn't matter if there'sone of you as a stay at home
parent and the other person'sbringing home half a million
dollars a year.
It doesn't matter.
You are one team.
So you need to figure out whatyour goals are, individually and
in a partnership.
Right, what is your sharedvision for a beautiful life that
you can dream big and beexcited about?
There is no judgment.
(33:50):
This is a judgment free zone,Right, you should be able to
have this conversation, say whatyou need to say openly to your
partner without them judging,and your partner should be
approaching you with empathy,with love, with support.
Now, if you don't have that inyour partnership, the dream
framework is probably not goingto fix that and we are not
(34:13):
counselors.
However, hopefully, as you'relistening to this, you are
thinking to yourself okay, Iknow that if I brought this to
my partner, they would besupportive.
We can come up with our commongoals, our shared vision to help
us move forward in this processof financial freedom.
Whatever it might be right,everybody's goals are different.
(34:34):
Again, you make the rules, butthis is a judgment-free zone.
You should be leading withempathy, leading with love,
leading with support and reallyworking in tandem to reach these
goals.
So you're going to be workingas a team to understand each
other deeply, engage in thosemeaningful discussions,
understand why is my person theway they are.
(34:55):
I know exactly why Brandon isthe way he is, because I know
his mom and he knows exactly whoI am because he knows my
parents, but also because we'vespoken deeply about this.
So I'll give an example.
This is something that we'vetalked about pretty often.
We didn't go out to eat.
Often growing up, it felt likea special treat.
(35:17):
When we did, however, it wasunderstood there will be no
appetizers, there would be nodessert and everybody's drinking
water.
Now, when you're a preteen,right, all you want to do is
drink a soda.
We were not a soda household,so if we're going out to eat,
I'm like oh, can I get a Spriteor a Shirley Temple?
The answer was always going tobe no.
I know that my dad wouldusually get, you know, a beer,
(35:39):
maybe a cocktail, and if heordered more than one, he was
going to get a face from my mom.
And so for me, I, when Icurrently go out to eat, I enjoy
that communal experience.
I enjoy fine dining.
I love not having to cook myown meal.
We don't do it often, but forme, if I go out to eat, I'm
(36:00):
getting the appetizer and I'mgetting the cocktail.
I would rather stay home andmake myself a peanut butter and
jelly sandwich than go out todinner with restriction.
It doesn't have to make senseto you.
I'm just being transparent.
I'm being honest.
If I'm going out to dinner, Iwant to enjoy myself the way I
want to enjoy myself.
Speaker 2 (36:20):
And like, for me, I'm not a foodie, like it's just
not who I am as a person.
However, I am not going to yuckher yum.
So when I go out, I enjoy causeI enjoy being out, you know,
with people and friends andstuff like that.
But we already had this youknow conversation where I'm like
it's, we're going out, we'replanning to go out, we allocated
the money for it, go ahead anddo it Right, and so we're not
(36:44):
nickeling and diming.
Speaker 1 (36:45):
I'm not like, ooh, this Caesar salad is $12.99, but
I really want it, but should Iget it?
No, I don't want that kind ofexperience when I'm out to
dinner.
In our mind there's no point ingoing out if that's what the say
, that if that is an okayexperience for you and your
money, rules are, we don't getthe appetizer and we drink water
.
Again, you make the rules.
(37:06):
That is totally okay.
What we're trying to get acrossto you is we've had the
conversation.
Brandon knows, if we're goingout to eat, we're going out to
eat, and if you want the dessert, if I want the cocktail, if we
want the appetizer, we're goingto get what we want, and
nobody's going to look acrossthe table like, oh, we shouldn't
(37:27):
do that.
We know that when we go out,that the cocktail is going to be
$16.
We know that we can buy a nicebottle of liquor for X amount of
dollars and get 20 drinks outof it versus the one.
We understand that.
We run the numbers.
We talk about all the things.
What I don't want is my diningexperience ruined.
Don't talk to me about thecalories.
Don't talk to me about the cost.
We are here.
We are here to enjoy ourselvesand if you're coming out to
(37:49):
dinner with us, keep thosecomments to yourself, because we
don't want them.
Speaker 2 (37:54):
I also want to go back to the team aspect.
I should say that I'm notsurprised, but sometimes I'm
still very much surprised when Isee couples that are competing
against each other, and thatjust never makes any sense to me
, because any success thateither one of us has on our own
is a success for the team.
You know, just getting a raiseand making more money doesn't
(38:19):
negate, you know, anything thatI do.
It just adds to the pot of ushaving more money to do the
things that we want to do, andit's just very.
I'm going to speak, and I'mspeaking to the fellows out
there.
Be honest with you, because Istill think in today's culture,
it's very hard for some men toaccept being with a woman who is
makes more money or is moresuccessful, when in my mind, I
want all the success in theworld for Jess, and it just,
(38:41):
like I said, makes our lifetogether better.
So you fellas out there, likeyou said, you got to really
assess who you are as a person,sometimes as well, when you're
choosing who the person you'regoing to be with.
But I think, if you listen toguys that I would consider very
successful and guys that I would, like you know, admire in some
aspect all the ones that I've,you know, listened to.
(39:01):
They've said that their wife,the person that chose to you
know spend their life with, hasexponentially helped them in so
many ways, including theircareer as well.
Speaker 1 (39:11):
Yeah, so you definitely have to get on the
same page.
You have to be part of the sameteam.
We are not in competition withour partners and our spouses.
No, barack without Michelle incompetition with our partners
and our spouses.
No Barack without Michelle,that is not going to be
successful for you.
So, again, we're going to divedeeper into each aspect, give
you different resources,questions that you can ask.
We're really excited about thisdream framework because we
(39:35):
think that by diving deep,reflecting on what you learned
about yourself, engagingtogether in meaningful
conversation, acting to moveforward, to have that positive
forward motion, and managingwhat that looks like today,
tomorrow and in the future, isgoing to be a really great way
(39:56):
for you to connect and build andstrengthen your relationship
around finances, becausefinances are emotional and we
need to really understand whyyou are the way you are so that
you can move forward, breakmaybe some of those bad habits,
move forward with positivehabits, but come from a place of
empathy and understanding whenyou're working together on your
(40:19):
financial goals.
So we hope that this episode isgetting you excited about
having conversations with yourpartner around money.
Again, if you're not subscribedto our newsletter, make sure
that you do that.
We'll be sending outinformation about each letter of
dream D-R-E-A-M throughout theyear talking about this and, of
(40:40):
course, as always, you canengage with us on social media.
Instagram's our main platform,but we cannot wait to hear how
dream is impacting your lives ina positive way, to have better
conversations around money andhelp you reach your financial
goals.
Don't forget Benjamin Franklinsaid an investment in knowledge
pays the best interest.
You just got paid.
(41:00):
Until next time, sugar Daddy.
Speaker 2 (41:03):
Podcast yo Learn how to make them pockets grow.
Financial freedom's where we goSmart investments, money flow.
Speaker 1 (41:12):
Thanks for listening to today's episode.
We are so glad to have you aspart of our Sugar Daddy
community.
If you learned something today,please remember to subscribe,
rate, review and share thisepisode with your friends,
family and extended network.
Don't forget to connect with uson social media at
TheSugarDaddyPodcast.
You can also email us yourquestions you want us to answer
(41:32):
for our Pass the Sugar segmentsat TheSugarDaddyPodcast at
gmailcom or leave us a voicemailthrough our Instagram.
Speaker 2 (41:47):
Our content is intended to be used, and must be
used for informational purposesonly.
At gmailcom, or leave us avoicemail through our Instagram.
In today's episode, we are introducing our new
framework for couples to havebetter conversations around
money.
We are calling it DREAM becausewe want you to DREAM BIG
together.
Stay tuned as we break downthis acronym D-R-E-A-M, so that
you and your partner can havethe best conversations around
money possible.
Speaker 2 (00:20):
Hey, babe what are we talking about today?
Speaker 1 (00:32):
Today we are talking about the framework that we
created for couples to havebetter conversations around
money, and I'm so excitedbecause I realized that not
everybody talks about money theway we do, and it's still
something that people are reallyuncomfortable with, intimidated
by.
There's a lot of shame, a lot ofguilt.
(00:53):
We talk about that quite a biton the podcast, and I think one
of our superpowers is that wetalk about money all the time,
and that's not to say that allof our conversations are
rainbows and butterflies, but itis something that we are very
comfortable talking about.
And the one thing that I thinkwe've done really well over the
(01:13):
years is we've dreamed bigtogether, and that is what keeps
us focused on our goals,focused on our mission, focused
on what's important to us, andhelps us realign during those
times when you know maybe wewant to spend on some things
that we shouldn't be spending on, or you know we need to kind of
recenter refocus.
(01:34):
And so we came up with aframework for other people to
have better conversations aroundmoney that aren't focused
really at all on the numbers,because we know that the numbers
, those are black and white.
It is what it is.
It's cash flow, it's money in,money out, but where we think
people really get stuck is thatemotional part of money.
(01:56):
And money is emotional.
We all have an attachment to it, whether it's good, bad,
healthy, unhealthy, and it comesfrom somewhere.
So today we're going to bedigging in and diving into our
new framework.
Speaker 2 (02:08):
And, as you know, most of us know that the basis
for a great relationship whetheryou know, any type of
relationship that you have inyour life is based upon having
good communication and,unfortunately, a lot of people
don't have good communication,and it's something that you
really need to work on in allaspects of your life if you want
to have better relationships.
So we are really excited aboutputting together this framework
(02:31):
so that you and your partner canwork on your communication so
that you can ultimately have abetter relationship and also
live the life that you want tolive.
Speaker 1 (02:39):
Absolutely.
And just for anybody who mightbe new, you know, if you've been
here a while, you know this.
But if you're a new listener,welcome.
Thanks for being here.
But Brandon and I are bothproducts of divorce.
This framework is not comingout of a place of, oh, we're
doing everything perfect, ourmarriage is perfect, our
parents' marriages were perfect.
You know we're drowning inmoney.
(03:01):
I mean, that is not the case.
Right when we first gottogether, I had six figures in
student loan debt.
My parents had just gonethrough a I don't know if I want
to call it a messy divorce.
I mean, I think all divorceshave some level of mess to them.
Brandon's mom and dad gotdivorced when he was younger, so
that's a totally differentscenario when you are going
(03:24):
through divorce as a childversus as an adult, and so we
lived and learned in our ownways.
And then, when we merged ourlives, you know it's something
that we really wanted to avoid.
We wanted to avoid our parentsmarriages, and that is why we
started talking about money very, very early on, and so we want
(03:44):
to help people have those sameconversations in a way that's
not intimidating, it's not scary, and you're really learning and
growing together, not only fromeach other, but also as
individuals, and I think what'sreally important here is that
you should be having theseconversations as early into your
relationship as possible.
So, even if you're in a newrelationship, let's say you're a
(04:08):
few months in and you know hey,this is going somewhere, this
is meaningful, this is a greattime to start initiating this
dream framework D-R-E-A-M.
However, if you're a decade plusin, like we are, this is
something that you can stillimplement.
Plus in like we are, this issomething that you can still
implement.
And even you know being wherewe are, with Brandon being a
(04:29):
financial advisor, us having afinancial literacy podcast, we
still have to continuously havethese conversations because our
lives are constantly changingand evolving and this is not a
one and done.
So, whether you're brand new inyour relationship or you're
well established, we believethat this is a framework that
you can use to help ground youin your values, your goals and
(04:50):
your vision for a beautiful lifetogether.
Did I miss anything?
Speaker 2 (04:54):
Nope, I think you covered it all.
Speaker 1 (04:56):
Okay.
So unfortunately, we know thatmoney is still cited as one of
the main reasons for divorce,infidelity being number one and
and money being, you know, inthe top three, and so we know
that people are not having moneyconversations early enough
often enough, and that leads toproblems, right?
Had I not told you that I had$100,000 in student loan debt
(05:20):
coming into our relationship andthen we got married and then I
was like, oh yeah, by the way, Imean hello, that's a huge
problem.
We shouldn't be doing that,yeah.
Speaker 2 (05:30):
I a hundred percent agree that we shouldn't be doing
that and unfortunately that iskind of the reality that too
many people actually operate andthey start to have these
conversations too late intotheir relationships.
Speaker 1 (05:42):
Right, and so, instead of waiting until it's
too late, springing this kind ofinformation on your partner,
let's?
We are here to encourage you tohave those conversations early
and often, so that you don't endup being a statistic.
Right?
These conversations, you canhave them.
This is an avoidableconversation or problem, right?
(06:02):
We can help avoid divorce bybeing honest, by having open
communication, and so one of thethings that we wanted to ground
you in in this framework isdreaming big, and so we ended up
calling the framework dream D,r, e, a, m, and each letter, of
course, means something.
We're going to dive into thesecomponents.
(06:23):
This is something you're goingto be hearing us talk about
throughout this year.
So, welcome to 2025.
We are dreaming big.
We are going to scratch thesurface of the framework.
Give you some insights into howyou can start dreaming early in
2025 with your partner to havethese better money conversations
.
Did I miss anything?
(06:44):
Okay, all right.
So the first part of dream iswell, first let me say you make
the rules.
This is a framework, right?
This is to help guide you inthe conversations.
You and your partner still getto decide what the rules are,
what makes sense for you andyour relationship and guess what
?
You can change the rules today,tomorrow, a year from now.
(07:08):
Right, you are in charge.
We are just simply trying togive you guidance so that you
can have better conversationswithout the intimidation and the
shame and the guilt.
The D, I think, is really,really important in dream.
So D stands for dive, and weknow that money is emotional and
that emotion stems fromsomewhere, and different studies
(07:31):
have shown that you basicallyhave formed your opinion about
money by the age of seven, andso really, whatever you feel
about money now, whether youhave an abundant mindset or a
mindset of scarcity, thatprobably came from your
childhood or your childhoodthrough your adolescence.
And so in D, we want you todive deep into your past and
(07:54):
really understand why do youfeel about money today based on
what happened in your past?
Speaker 2 (08:04):
I would say this is one of the biggest things that
people kind of gloss over whenit comes to the overall
financial planning process,because the math part of
financial planning is theeasiest.
It really is.
Math, as I always say, is thesame in every language Two plus
two equals four all the time.
All right, Now, everyone has anemotional attachment to their
money and you want to find outwhere that emotion comes from,
(08:27):
Whether that's diving into.
Did you have moneyconversations in your family
growing up?
Did you not have moneyconversations?
How you interacted with moneyat a very young age has, in one
way or another, had an effect onhow you interact with money as
an adult.
Speaker 1 (08:43):
Absolutely.
So this is the time where wewant you to really dive in and
understand.
Where did my mindset aboutmoney come from?
So this is a good time tounderstand.
How is money handled during theholidays, during gift giving,
celebrating, dining out, duringtravel?
Did you travel?
Did your parents talk about nothaving money to travel?
(09:04):
If you asked for something in astore, was the response we
can't afford that.
We're not buying that right now.
Don't ask me for that.
Whatever it might be, there'sno right or wrong here.
We just want you to really divedeep into understanding where
your mindset comes from.
Were there any money rules inyour household growing up?
What did you hear the adults inyour life say about money?
(09:26):
Was money calm in your home orwas it chaotic?
I know we've had so many guestson our show that have talked
about that scarcity mindset.
You know, coming from nothingand then building what they have
now and so wanting to live alife of abundance because they
lived in scarcity, and sowanting to live a life of
abundance because they lived inscarcity.
Even if you have a scarcitymindset, right, there's kind of
(09:48):
two different ways you can goabout that.
Right, it's hey, I grew up withso little.
Now I have what I need, but I'mgoing to hoard it.
Now I have a really hard timespending money.
I'm really frugal.
I cut coupons.
I go to six different grocerystores to find the best deal on
strawberries.
That is a mindset.
You could also have a scarcitymindset where you're a spender.
(10:10):
Hey, you get that paycheck,boom, it's out the door because
you don't know when you're goingto have money again and you
want to make the most of itright now.
And so even as simple assomething like scarcity mindset
and I don't mean to call itsimple because it's not, but you
can take that in two differentdirections and so really
understanding what that mindsetis and where it comes from, that
(10:32):
is going to ground you for therest of the letters in our
framework.
Speaker 2 (10:36):
And I would say this is not just simply thinking
about negative things that havehappened in your upbringing when
it comes to money, because,also, what are the good things
that you know, you learned at ayoung age that you've now
brought into adulthood?
You know, for me, one of thethings I've talked about
numerous times in the past isthat at a young age, my mom did
a good job of teaching us how to.
You know, she gave us, like youknow, some money during
(10:56):
Christmas and we then we hadallocated to what we want to buy
.
So, whether you know, I want tobuy one shirt that's $50, or I
want to buy two shirts that's$25, that definitely is
translated into how I interactas an adult, as being very good
at determining what to want andwhat to need, so it's not just
simply a negative idea of whatinteractions with money.
You can definitely lean intothe good things as well.
Speaker 1 (11:15):
Absolutely.
Have you been listening to ourpodcast and wondering how am I
really doing with my money?
Have you been listening to ourpodcast and wondering how am I
really doing with my money?
Am I doing the right thingswith my investments?
Am I on track to reach myfinancial goals?
What could I be doing better?
If you answered yes to any ofthese questions, then it's time
(11:35):
for you to reach out to Brandonto schedule your free yes, I
said free 30-minute introductionconversation to see how his
services could help make you themore confident moneymaker we
know you could be.
What are you waiting for?
It's literally free and at thevery least, you'll walk away
feeling more empowered andconfident about your financial
(11:56):
future.
Link is in our show notes Go,schedule your call today.
And next, that takes us intoreflect.
So the R stands for reflect.
We want you to take what youjust learned about yourself
while diving deep into whereyour money mindset comes from,
your thoughts and feelings andemotions around money, where
(12:16):
those came from, where thosestarted, how those developed,
and we want you to reflect onhow is that currently showing up
in your life.
I will tell you we are probablyagain in the rarity of the fact
that we talk about money notonly together all the time, but
also with our friends.
We very much have a closecircle where you know we're like
, hey, what's your mortgage,what's your APR, what credit
(12:39):
cards did you open?
Who's getting the most bonusmiles?
You know who's going to pick upthe tab for dinner because they
want to 5x their miles, youknow for dining out or you know
whatever it is mortgage rates,etc.
Bonuses that have been gottenat work.
I mean, we talk about money allthe time, but we understand that
that is rare, rare.
(13:04):
But we want to understand moreabout how it shows up in your
relationship.
Because the reality is is, eventhough we're talking about
money all the time with ourcircle, people have very
different uses for money,feelings around money and,
especially when you're in arelationship, people spend money
differently.
And so this is your time toreflect on how that money
(13:24):
mindset is showing up for youtoday.
And the reality is is mostpeople didn't come from the same
money background, right?
And then that means when you'recoming together as a unit and
you're combining your money,spending your money together,
figuring out how to spend yourmoney together, that can be a
challenge because we're comingfrom one place, somebody else is
(13:46):
coming from another place, andnow we're supposed to figure out
how to do this together.
Speaker 2 (13:50):
I can think of one really good example that during
the reflecting stage, justin andI worked through something.
So I was fortunate enoughgrowing up that when I went to
college, my mom outside thescholarship money that I had, my
mom paid for the remainingbalance of me to go to college,
and same thing for my brotheroutside of the athletic
scholarships that he had, youknow.
So I was of the mindset that Iwould like to pay for my kids to
(14:11):
go to college, so they're not,you know, stuck with a bunch of
student loan debt, whereas Jesshad to pay for her education, so
she had to pay for it herself,and so at first she kind of had
a different mindset, but then,like reflecting on where it came
from, obviously she had to payfor her own college.
I grew up not having to pay formy own college, and talking
through it and how we actuallywant to do it together when it
(14:32):
comes to our kids was veryimportant.
Speaker 1 (14:34):
Right.
And also the fact that younever said, hey, well, now this
debt is still your debt, so youfigure that out.
It was like, all right, this ispart of our household bill,
right?
How do we pay for this?
How do we allocate this?
What can we do to make thisbetter?
How long do we want to take totake it off?
It very quickly became an usproblem, not just a me problem,
(14:59):
and again, not saying thatthat's the right way to do it.
That was the right way for us.
But again, in this reflectstage, I have since changed my
mind on.
Well, maybe we take out theloans for our children but then
pay them off so that they, youknow, have that instant credit
boost.
Or, you know, maybe there is away to get around them having to
(15:20):
pay for it altogether.
You know, we've now opened Atthis point.
Speaker 2 (15:23):
who knows what college is even going to look
like.
Speaker 1 (15:24):
Well, that too, yeah, but you know we've opened the
529 plans for them, so we'replanning for it.
And so, again, having thosedeep conversations around well,
why do you feel this way aboutit, versus how I feel, and how
do we want this to look in thefuture for our children?
You know that's a very it's abig conversation.
There is no right or wronganswer.
Again, you get to make therules, but it is something that
(15:49):
has come up for us and in thatreflect stage, we want you to.
You know, take what you learnedand dive to really understand.
What do you want that vision tolook like?
That's a great example, allright.
Next, we have E for engage, andwe've always said that money is
a tool.
There should not be a monetarynumber.
That is a goal, right?
If you were one of Brandon'sclients and he said, well,
(16:11):
what's the goal?
And you said a million dollars,he would say no, not at all,
that is not the goal.
So, really understanding whatyour goals are, so you're
engaging with each other tounderstand not only your
individual goals because, guesswhat, you still get to be your
own person in a healthyrelationship but you also need
(16:33):
to dream together, and that'sthe one thing that has grounded
Brandon and I from the verybeginning is we've always had
really big, audacious dreamsYou've heard us talk about.
You know.
The one that we always jokeabout is Bora Bora, the hut over
the water, right Like that'sthe ultimate dream vacation for
us.
But this is the time to reallydive in and understand what are
(16:57):
your goals and what are my goals, and where do we find that
commonality?
What are our goals together asas a couple?
Speaker 2 (17:05):
Yeah, like you said, the big thing is is dreaming
without limitations.
So this is the point where youget to have a fun conversation
where, like you, are reallysculpting the type of life that
you want to live.
You know, like she said, yourindividual goals as well as the
goals that you guys havetogether, and, from my
experience, a lot of couples donot do this.
(17:26):
I cannot tell you how manytimes I've sat down and got to
this point of the planningprocess where we're diving deep
into their goals and you havecouples who have not had this
conversation.
It's very obvious on the calland you have, you know, people
sharing information, and this isthe first time that their
spouse is hearing it while I'malso hearing it for the first
time as well.
Speaker 1 (17:46):
That shouldn't happen .
I mean this is the fun part.
I mean talking about all thebills and the this and oh, we
need to plan for that, and oh,this car repair and oh, this vet
appointment.
Those are, oh, that's the moneycrap that nobody wants to talk
about.
That's the not fun stuff.
This is the time that you getto say, wow, maybe for our 10
year anniversary we should go toGreece for two weeks.
(18:08):
Here are the islands we shouldgo to.
Here's how we want to get there.
Definitely private jet, youknow.
Speaker 2 (18:14):
But this is also like .
This is also like, you know,planning out your dream career.
You know, maybe you're ayounger couple and you're just
starting out in your careers,but this is like, oh, I want to
eventually be a CEO.
Speaker 1 (18:24):
Like this is what this part of the dream about all
of it.
Speaker 2 (18:27):
Yes, this is what this part of the framework is
for.
Speaker 1 (18:30):
Yes, dreaming about the career, what you want your
Tuesday in 30 years to look like.
You know, your Tuesday morningat 9am and 10, 20, 30 years,
your dream vacations, your dreamhome what work optional looks
like for you when you're lookingto achieve that.
Speaker 2 (18:46):
because, as I said before, we don't really use the
word retirement here, becausewe're trying to get work
optional as soon as possible,not retire at like 60.
Now, if you want to retire 65,cool, that's for you, but we're
trying to be work optional assoon as possible.
Speaker 1 (18:59):
Right.
So don't say well, I want toretire at 60.
Well, what does that look?
Speaker 2 (19:03):
like.
What do you?
Speaker 1 (19:04):
want to do during retirement?
What kind of life are you goingto live?
Where are you going to live?
What are you going to do?
What's going to be filling yourday?
What's still going to belighting your fire?
This is the time to dream indetail, and so we want you to
engage with each other to reallyunderstand what does the best
possible life look like for you,for me and us together?
(19:28):
So, as we iterate on this,we're going to be sharing
different tools and resources ofquestions that you can ask
yourself and each other duringthis stage or these stages,
activities that you can dotogether to help you dream big
together.
Again, we're scratching thesurface today, but think about
you know what would you?
We're scratching the surfacetoday, but think about what
would you do if you won thelottery tomorrow and you were
completely set?
How would you fill your time?
What would light your fire?
(19:49):
Do you wanna start thatnonprofit?
Do you wanna move abroad?
Do you wanna build the familycompound?
Whatever that is?
Again, there's no right orwrong.
This is your dream life, so youget to decide.
But we want you to dream indetail, Every detail we want you
to really focus in on.
Not well, I would buy my dreamhouse.
What does that look like?
(20:09):
I need details.
Speaker 2 (20:11):
Also this.
Also this helps you know as faras when the planning process,
as far as getting excited andhaving that momentum to go
through those days where it istough but you cause.
You already know what the goalis and what you're trying to
achieve.
What's at the end of the tunnel, per se.
So, this is what drives youthrough the bad days, because
you're going to have good days,but you're also gonna have bad
(20:32):
days and you're going to need tohave some form of motivation to
get through those bad days.
Speaker 1 (20:35):
Absolutely.
It's also what can help you.
I think what you're trying tosay too, babe, is it's going to
ground you right?
Because if I said to Brandontoday, hey, I'm going to get the
contractor back because I wantto do that accent wall in the
living room, which is somethingI do want to do, and he does
know I want to do that he couldeasily say, hey, but we're
already planning for Christmas2025.
(20:56):
And I thought you wanted to gohere and do this, and et cetera,
et cetera.
We budgeted X amount of dollars.
If we do the accent wall, we'regoing to have to sacrifice
somewhere else.
So what else throughout the year?
Do you want to push down thepriority list?
Right, I would rather take atrip than have an accent wall in
my home.
I mean, you can look behind usright now If you're watching on
YouTube.
(21:16):
We've got the wallpapers, we'vegot the accent walls, the house
is perfect the way it is.
Are there things we could do?
Of course, there's alwayssomething to do in homeownership
.
However, what's more importantwhen we align our goals?
What we want for our family,what's important for our
children?
Travel, making memories andhelping them see the world is
(21:37):
top three at all times.
So are they going to rememberthe accent wall in the living
room when they're 22?
, you know, and we have to kindof coerce them to come home from
college.
Speaker 2 (21:49):
That would be a hell of an accent wall.
Speaker 1 (21:51):
Or are they going to remember hey, we've taken
amazing trips with mom and dadand they are saying we're going
to go here this year forChristmas.
Absolutely I don't want to missit.
So, again, it really helpsground you back to your goals
and your values and what'simportant to you as a family.
Next, we do have to act.
So the A stands for act.
(22:11):
We can dream big, but if you'renot actually taking action and
putting processes, systems,steps in place to move forward,
it's just going to continue tobe a dream, and we want your
dreams to become a reality.
So goals without a plan aresimply dreams and we need to
move these dreams forward.
(22:32):
So this is the phase where youwork together to figure out what
changes you need to make toyour finances to get you closer
to that dream life that youdescribed in the engage phase.
And again, the more detail thebetter.
So if you closer to that dreamlife that you described in the
engage phase and again, the moredetail the better.
So if you want to travel moreand you're not currently doing
that, well, that's going to besomething that you need to
budget for.
You know, if you want to eat atthose Michelin star restaurants
(22:53):
and you're not currently doingthat.
Well, how much is that going tocost?
How often do you want to do it?
Where do you want to do it?
How are you going to get there?
You're going to set your budgetfor it.
You know if you need to get anew car, how are you going to
afford it?
This is where you get specificabout your numbers and you're
planning.
You're in the planning phase ofunderstanding.
What does my year look like?
Oh, we got to replace the airconditioning.
(23:14):
I know it's about to break.
We got to do that before summerbecause it's 110 degrees in
North Carolina.
This is the time that you'remapping out and planning what
the finances actually look likeand how are you going to achieve
those goals.
So you've got to take thataction.
Speaker 2 (23:30):
I would say this is also one of the areas where most
people fall behind.
Speaker 1 (23:34):
Yes.
Speaker 2 (23:34):
You have to be intentional about what you are
doing and you have to have aplan in place, because nothing
grand happens just bycoincidence, happenstance
doesn't happen that way, right,and most people have a hard time
with the action part.
You know, this is the part whereI honestly say, for most people
(23:54):
, having a professional likemyself to help you out, it's,
you know, pay for itself 10times over.
Because talking about, you know, doing the first, you know,
part of this, doing the D, the R, the E, that's great, all that
is great, but it doesn't reallymean anything if you don't
actually do the actions and putit into place.
(24:15):
You're just havingconversations and you're not
moving the needle towards whereyou want to be.
Speaker 1 (24:20):
And we talked a lot about in 2024,.
You know we understand life isbusy, our life is busy and,
again, we are not here to saywe're doing things perfectly.
What we do well is weprioritize, we hold each other
accountable and we plan and thenact out that plan right.
We knew that we needed a newwill.
We knew that we needed a newtrust.
(24:40):
We got it done.
We knew that we needed, youknow, to open up new bank
accounts, for whatever reason.
We got it done.
Whatever it is.
Are you actually moving forward,or do you just keep saying I'll
do it tomorrow, I'll do it nextmonth, I'll pencil it in this
coming weekend and then it neverhappens?
If you know that you need help,that you need a little bit of
(25:02):
handholding, that you need anaccountability partner to keep
you on track, to help youmobilize forward in the positive
direction, take the time thisyear to schedule the call with
Brandon or one of the Brandonsof the world right to have
somebody hold your hand, to holdyou accountable, to keep you on
track, so that at the end of2025, you're not still sitting
(25:25):
in the same place that you wereat the beginning.
We want to make sure, if youknow that you need to reduce
some debt, that you have a planin place that is actually
actionable, that makes sense,that is realistic, while also
still hopefully investing andstill living life right.
This is not the podcast wherewe say you can't go into a
(25:46):
restaurant if you have any debtunless you're working there.
You know you can go, listen toyou Know who.
If that's the kind of adviceyou want, we still want you to
live life while paying down debt, while investing, while
traveling, while doing thethings that you find value in.
If you need help with that,reach out to Brandon and see how
you guys could work together in2025 so that you can actually
(26:07):
reach your goals and you're notwasting another year.
Speaker 2 (26:10):
So also part of this ACT process is that the one
thing that is finite is time.
You can't get it back once it'sgone.
So you need to really thinkabout all the time that maybe
you have wasted by not takingaction and change that.
And it's okay because, like Ijust said, so many of us have so
many things going on in ourlife and we're so busy and some
(26:32):
things just get pushed to thewayside.
And from my experience, one ofthe things that gets pushed to
the wayside is the financialplanning aspect, when in reality
that should be the first thingyou do, because that's going to
be the driving factor behind amajority of the things that you
are able to do in your life,right?
so stop wasting the time becauseyou're not going to get it back
.
Let's start from a new today,you know, in the new year, and
get something you know, get anaction.
(26:53):
What I'm trying to say is callme.
Call me so that we can get thisdone for you yes, and that
leads us into the m, which ismanage.
Speaker 1 (27:04):
This is going to be something that needs to be
managed, depending on what stagein life you're in.
This could be a weekly basis, amonthly basis, a quarterly
basis.
You need to manage this.
Our lives are constantlychanging, right?
Did you go from hey, we'renewlyweds to now we're newlyweds
with a child.
Now we have two children.
(27:24):
Now we have two children in ahouse.
Now we need a new car.
Now we have two children in ahouse in a new car.
I mean, life changes constantly.
Did you move a parent in?
Did you move a parent intomemory care?
I mean, there are so manythings that come up, especially
in this elder millennial stageof life, and we've already
talked about the sandwichgeneration at the end of 2024,
(27:46):
right, we're in a very busystage of life where we are
raising our littles, but alsotaking care in a lot of times,
our parents and making sure thatthey're okay and that they have
what they need and that they'resafe, and so we know that life
is busy.
We are going to have tocontinuously manage what this
looks like.
The goals are changing, thevisions are changing, what your
(28:10):
dream life is.
Speaker 2 (28:11):
The economic environment is changing.
Speaker 1 (28:12):
Yes, and we know that that's going to be changing all
throughout 2025 and beyond, andso this is where you are
putting together a schedule.
This is a great time to haveyour money meetings.
What are you going to commit to?
Are you going to have them on amonthly basis, a weekly basis,
a quarterly basis, to help youmanage your progress?
(28:33):
Are you moving towards thosegoals?
Are you sticking to the plan?
Does the plan need to beadjusted?
So?
Money like, your goals aregoing to fluctuate.
Speaker 2 (28:42):
I would say also based upon you know the goals
that you're trying to achieve,then, as just said, the cadence
of how often you're meetingcould be could have a variance
to it, because certain goalsthat you might want to achieve
are going to require a few moremeetings more often.
As compared to you know some ofthe more long-term goals, you
don't have to have as manymeetings on a regular basis, but
(29:03):
the idea is that you aretalking with your partner and
you're putting a plan in placeon how to manage this, because I
always say that you need tohave a focus on the planning
aspect and not just the plan.
You do have a plan in place,but it's more important to focus
on the planning because, asjust said, things are going to
change, you're going to need tomake adjustments, and that needs
(29:25):
to be accounted for sooner thanlater when it comes to the
planning process.
Speaker 1 (29:29):
Well, yeah, you have the plan, the noun, and then you
have planning, the verb right,where you're actually doing
things, putting things in place,allocating money in a certain
way, actually looking at yourmoney, right?
I think, even just talking topeople in our DMs and through
the podcast and just people inour network, a lot of times
people are still not looking attheir money in black and white,
(29:51):
and so you know whether you knowhow much money is coming in,
how much money is going out.
I mean, that's step one, right?
Can you actually do the thingsthat you are setting out to do
with the budget that you have?
Do you need to cut back?
Do you need to increase yourincome?
Do you need to try to do both?
I mean all of those things.
You have to analyze thatinformation.
(30:12):
But even as simple as, are wegoing to track this on paper?
Are we going to use an app?
If you're one of Brandon'sclients, he will give you access
to planning software where youcan track your net worth.
You can track all your expenses.
See it all right there in blackand white.
See that you're overspending onthe iced coffee, right?
We always like to talk about theiced coffee, so having a plan
(30:34):
to manage, not just okay, we'regoing to meet every Tuesday at
seven.
What are you going to doTuesday at seven?
How are you going to look atyour numbers?
Do you have something that youneed to bring to the table?
Does your partner havesomething to bring to the table?
Are you both going to pull upyour laptops?
Are you going to utilize aspreadsheet?
What is that going to look like?
How often are you going to doit?
And again, we want this to comefrom a place of love, of
(30:57):
dreaming big, of empathy.
We don't want this to bestressful.
We don't want this to besomething you dread, right.
We want this to be somethingthat you look forward to, and
even if the numbers are notwhere you want them to be.
Speaker 2 (31:11):
Because they're probably not going to be Right.
Speaker 1 (31:13):
That's the reality, and even for us, right, our
numbers aren't where we wantthem to be.
Our numbers are not where wewant them to be, not where we
want them to be.
There's always room forimprovement.
There's always room for more.
I always want a bigger travelbudget, I can tell you that.
So even when we look at ournumbers, right, we're looking at
it from a lens of all right,where are we going to spend our
money?
Do I need to do this to gethere?
(31:39):
Where can I cut back?
You know like, one thing that Idid this last year is I was
getting my nails done veryregularly.
It's something I enjoy.
I like having my nails done.
Is it a necessity?
Absolutely not.
And so that's one area that Icut back and I said all right,
I'm only going to, I'm going togo back to doing my nails for
special occasions and a specialoccasion is typically a trip,
right?
So, again, it's minor, but it'ssomething that I'm conscious
(32:03):
about because, again, it adds up.
It gets expensive to do thatevery two weeks, twice a month
or whatever it might be.
Where can we cut back so that Ihave more money to spend on
things that are really importantto me again, which is travel.
I'd rather fly first class onflights that are four hours or
more than get my nails done.
Speaker 2 (32:20):
I can tell you that right now on flights that are
four hours or more than get mynails done.
I can tell you that right now, Irather do that too.
But also part of this is beingproactive in what you're
thinking about and what you needto plan for.
I think too often people arereactive when it comes to the
financial planning aspect.
So, hey, let's sit here downand talk and during our
management meetings, hey, whatis something that's going to be
maybe coming up in the next yearor two that is going to,
(32:42):
obviously, you know, call for usto set aside money for it?
All right, we thought about,this is happening in two years.
It makes it very easy to planhow much money we need to set
aside for said thing as comparedto oh, I need this, oh, we
don't have enough money, whatare we going to do money, what
are we going to do?
So a lot of it is going to bereally thinking about not just,
like you know, the short termgoals, but the midterm goals,
(33:06):
the long term goals and tryingto put a plan in place for those
as well.
Speaker 1 (33:08):
Absolutely, and remember, as you're going
through this and we're going totalk about this in more detail,
especially on social media, inour newsletter we're going to be
breaking things down, givingyou additional tools.
We're really excited about this.
This because we want you tohave great conversations around
money together, as a team.
And, as you're going throughthis, remember you are on the
same team, right?
(33:29):
It doesn't matter if there'sone of you as a stay at home
parent and the other person'sbringing home half a million
dollars a year.
It doesn't matter.
You are one team.
So you need to figure out whatyour goals are, individually and
in a partnership.
Right, what is your sharedvision for a beautiful life that
you can dream big and beexcited about?
There is no judgment.
(33:50):
This is a judgment free zone,Right, you should be able to
have this conversation, say whatyou need to say openly to your
partner without them judging,and your partner should be
approaching you with empathy,with love, with support.
Now, if you don't have that inyour partnership, the dream
framework is probably not goingto fix that and we are not
(34:13):
counselors.
However, hopefully, as you'relistening to this, you are
thinking to yourself okay, Iknow that if I brought this to
my partner, they would besupportive.
We can come up with our commongoals, our shared vision to help
us move forward in this processof financial freedom.
Whatever it might be right,everybody's goals are different.
(34:34):
Again, you make the rules, butthis is a judgment-free zone.
You should be leading withempathy, leading with love,
leading with support and reallyworking in tandem to reach these
goals.
So you're going to be workingas a team to understand each
other deeply, engage in thosemeaningful discussions,
understand why is my person theway they are.
(34:55):
I know exactly why Brandon isthe way he is, because I know
his mom and he knows exactly whoI am because he knows my
parents, but also because we'vespoken deeply about this.
So I'll give an example.
This is something that we'vetalked about pretty often.
We didn't go out to eat.
Often growing up, it felt likea special treat.
(35:17):
When we did, however, it wasunderstood there will be no
appetizers, there would be nodessert and everybody's drinking
water.
Now, when you're a preteen,right, all you want to do is
drink a soda.
We were not a soda household,so if we're going out to eat,
I'm like oh, can I get a Spriteor a Shirley Temple?
The answer was always going tobe no.
I know that my dad wouldusually get, you know, a beer,
(35:39):
maybe a cocktail, and if heordered more than one, he was
going to get a face from my mom.
And so for me, I, when Icurrently go out to eat, I enjoy
that communal experience.
I enjoy fine dining.
I love not having to cook myown meal.
We don't do it often, but forme, if I go out to eat, I'm
(36:00):
getting the appetizer and I'mgetting the cocktail.
I would rather stay home andmake myself a peanut butter and
jelly sandwich than go out todinner with restriction.
It doesn't have to make senseto you.
I'm just being transparent.
I'm being honest.
If I'm going out to dinner, Iwant to enjoy myself the way I
want to enjoy myself.
Speaker 2 (36:20):
And like, for me, I'm not a foodie, like it's just
not who I am as a person.
However, I am not going to yuckher yum.
So when I go out, I enjoy causeI enjoy being out, you know,
with people and friends andstuff like that.
But we already had this youknow conversation where I'm like
it's, we're going out, we'replanning to go out, we allocated
the money for it, go ahead anddo it Right, and so we're not
(36:44):
nickeling and diming.
Speaker 1 (36:45):
I'm not like, ooh, this Caesar salad is $12.99, but
I really want it, but should Iget it?
No, I don't want that kind ofexperience when I'm out to
dinner.
In our mind there's no point ingoing out if that's what the say
, that if that is an okayexperience for you and your
money, rules are, we don't getthe appetizer and we drink water
.
Again, you make the rules.
(37:06):
That is totally okay.
What we're trying to get acrossto you is we've had the
conversation.
Brandon knows, if we're goingout to eat, we're going out to
eat, and if you want the dessert, if I want the cocktail, if we
want the appetizer, we're goingto get what we want, and
nobody's going to look acrossthe table like, oh, we shouldn't
(37:27):
do that.
We know that when we go out,that the cocktail is going to be
$16.
We know that we can buy a nicebottle of liquor for X amount of
dollars and get 20 drinks outof it versus the one.
We understand that.
We run the numbers.
We talk about all the things.
What I don't want is my diningexperience ruined.
Don't talk to me about thecalories.
Don't talk to me about the cost.
We are here.
We are here to enjoy ourselvesand if you're coming out to
(37:49):
dinner with us, keep thosecomments to yourself, because we
don't want them.
Speaker 2 (37:54):
I also want to go back to the team aspect.
I should say that I'm notsurprised, but sometimes I'm
still very much surprised when Isee couples that are competing
against each other, and thatjust never makes any sense to me
, because any success thateither one of us has on our own
is a success for the team.
You know, just getting a raiseand making more money doesn't
(38:19):
negate, you know, anything thatI do.
It just adds to the pot of ushaving more money to do the
things that we want to do, andit's just very.
I'm going to speak, and I'mspeaking to the fellows out
there.
Be honest with you, because Istill think in today's culture,
it's very hard for some men toaccept being with a woman who is
makes more money or is moresuccessful, when in my mind, I
want all the success in theworld for Jess, and it just,
(38:41):
like I said, makes our lifetogether better.
So you fellas out there, likeyou said, you got to really
assess who you are as a person,sometimes as well, when you're
choosing who the person you'regoing to be with.
But I think, if you listen toguys that I would consider very
successful and guys that I would, like you know, admire in some
aspect all the ones that I've,you know, listened to.
(39:01):
They've said that their wife,the person that chose to you
know spend their life with, hasexponentially helped them in so
many ways, including theircareer as well.
Speaker 1 (39:11):
Yeah, so you definitely have to get on the
same page.
You have to be part of the sameteam.
We are not in competition withour partners and our spouses.
No, barack without Michelle incompetition with our partners
and our spouses.
No Barack without Michelle,that is not going to be
successful for you.
So, again, we're going to divedeeper into each aspect, give
you different resources,questions that you can ask.
We're really excited about thisdream framework because we
(39:35):
think that by diving deep,reflecting on what you learned
about yourself, engagingtogether in meaningful
conversation, acting to moveforward, to have that positive
forward motion, and managingwhat that looks like today,
tomorrow and in the future, isgoing to be a really great way
(39:56):
for you to connect and build andstrengthen your relationship
around finances, becausefinances are emotional and we
need to really understand whyyou are the way you are so that
you can move forward, breakmaybe some of those bad habits,
move forward with positivehabits, but come from a place of
empathy and understanding whenyou're working together on your
(40:19):
financial goals.
So we hope that this episode isgetting you excited about
having conversations with yourpartner around money.
Again, if you're not subscribedto our newsletter, make sure
that you do that.
We'll be sending outinformation about each letter of
dream D-R-E-A-M throughout theyear talking about this and, of
(40:40):
course, as always, you canengage with us on social media.
Instagram's our main platform,but we cannot wait to hear how
dream is impacting your lives ina positive way, to have better
conversations around money andhelp you reach your financial
goals.
Don't forget Benjamin Franklinsaid an investment in knowledge
pays the best interest.
You just got paid.
(41:00):
Until next time, sugar Daddy.
Speaker 2 (41:03):
Podcast yo Learn how to make them pockets grow.
Financial freedom's where we goSmart investments, money flow.
Speaker 1 (41:12):
Thanks for listening to today's episode.
We are so glad to have you aspart of our Sugar Daddy
community.
If you learned something today,please remember to subscribe,
rate, review and share thisepisode with your friends,
family and extended network.
Don't forget to connect with uson social media at
TheSugarDaddyPodcast.
You can also email us yourquestions you want us to answer
(41:32):
for our Pass the Sugar segmentsat TheSugarDaddyPodcast at
gmailcom or leave us a voicemailthrough our Instagram.
Speaker 2 (41:47):
Our content is intended to be used, and must be
used for informational purposesonly.
At gmailcom, or leave us avoicemail through our Instagram.
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