August 14, 2025 • 29 mins
Alright, friends, grab a cup of coffee and get ready to feel inspired. In this episode of Thrive After 45™, I get to sit down with the amazing Debra Morrison.
Debra has spent over 47 years as a Certified Financial Planner and Asset Manager, and she's not just about numbers...she’s all about helping women live untethered, fulfilling lives.
But her work goes way beyond that.
She’s a certified Grief Coach who even offered pro bono guidance to grieving families after 9/11.
She's also the author of My Husband Died Now What and Common Sense Money Guide for Women, and her TEDx talk, "Feel the Financial Fear and Do It Anyway," has inspired so many women to face their financial lives head-on.
We talk about so many good things, like the power of community, what to do when society tells you that you're "done," and how to overcome the mindset of scarcity.
Debra shares her belief that women can and should find their purpose again, whether that’s learning to paint, traveling, or volunteering.
She also gives us a fresh take on wealth, breaking it down into five categories: physical, mental, relational, spiritual, and financial.
This conversation is a powerful reminder that it's never too late to take control of your financial life and that your two most important assets are time and health.
Debra's energy and wisdom will absolutely light a fire under you.
You'll also hear us dive into:
- Why the biggest myth about money is that you're "too old"
- The difference between risk and return in the stock market
- The importance of having a "why" for your saving and investing goals
- How money buys options, not just happiness
This episode is a must-listen if you want to shed financial shame, gain confidence, and learn how to build your own wealth, all while being a part of a powerful sisterhood.
✨ You can find Debra online and connect with her here:
Debra’s Baker’s Dozen of NOT-SO-OBVIOUS Financial Planning ESSENTIALS https://WCDIW.com/checklist
Facebook: https://www.facebook.com/groups/wcdiwgroup
Instagram: @debralmorrison
LinkedIn: www.linkedin.com/in/debralmorrison
Youtube: www.youtube.com/@DebraLMorrison
Thank you for spending time with me today on the Thrive After 45™ podcast! If this episode spoke to you, be sure to hit that follow button so you never miss one.
And if you loved it, I’d be so grateful if you left a review - it helps more amazing women like you find this show!
Your journey doesn’t stop here - let’s keep the conversation going! Connect with me at denisedrinkwalter.com, and follow @thethriveafter45podcast for daily insp, tips, and support.
Remember, midlife isn’t the end - it’s just the beginning of a new, exciting chapter! Keep thriving, keep shining, and I’ll see you next time!
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
Hello and welcome to ThriveAfter 45, the podcast where we
(00:05):
redefine what is possible inmidlife.
I'm Denise.
Drink your midlife renewal coachhere to help you embrace your
power, purpose, and potential.
This is your space to let go ofguilt, navigate transitions,
rediscover joy and thrive.
For you by you because of you.
It is such an honor and a realprivilege to welcome and
(00:30):
introduce Debra Morrison to theshow today.
With over 47 years of experienceas a fiduciary, certified
financial planner and assetmanager, Deborah has helped.
Thousands of women confidentlymanage their money and live
(00:50):
untethered, fulfilling lives.
Her work extends far beyondnumbers, offering pro bono
guidance to grieving familiesafter nine 11, becoming a
certified grief coach andstanding beside her clients
through some of life's.
Most difficult seasons.
(01:10):
She is the author of, my HusbandDied Now What and Common Sense
Money Guide for Women and hasappeared on C-N-N-A-B-C Fox and
in the Wall Street Journal.
Good Housekeeping and many more.
Her TEDx talk.
Feel the financial fear and doit anyway, continues to inspire
(01:35):
women to face their financiallives with courage and clarity.
Deborah brings wisdom, warmth,and a refreshing perspective to
every room she enters, and todayis no exception.
Deborah, welcome to Thrive after45.
Thanks, Denise.
I'm already thriving with thatintro.
(01:55):
Appreciate you.
My pleasure.
Let's dig in and start from, notthe beginning, but give us a
sense our, our listeners, asense of where you are coming
from these days morespecifically.
Right.
(02:16):
Well, I was very curious.
Give us a start, but not at thestart because it was child
labor.
I mean, it's like, yeah, we'll,we'll go way back, but yeah.
Yeah, we're not, you know, we'renot gonna go there, uh, yet.
Uh, where I am, uh, operatingnow is, is in a, uh, in a era
and a chapter era, and a chapterof possibility.
(02:37):
Mm.
And, uh, ageism has been soprevalent in our society, at
least in the United States ofAmerica and most of the North
American, uh, population thatwomen have been shuffled to the
sidelines.
Our use value is kind of like,all right, we're kind of done
with you.
You had the kids, you had thegrandkids.
And I am on a mission to bringthe women out of the sidelines
(02:58):
and into the spotlight and touse one of your, of, uh,
phrases, I believe and fan theembers.
So that they can find the sparkand and enliven that spark in
them to go ahead and start tolearn how to paint or to sing or
to play the piano or go into amore of a travel schedule or
tutor a child or volunteer inthe local whatevers to.
(03:23):
Enliven them and to buttressDenise their purpose.
Because absent purpose, we cankind of, you know, shrink into
ourselves in a much smallerversion than God and the
universe ever intended us to be.
And so I want us to, maybe we'regonna grow into ourselves
because the focus for women hasbeen so outward as you well know
(03:44):
that it's a real.
Change for women to actually,and I always have this near me,
a, a heart mirror to turn the,uh, uh, focus on ourselves.
And I'm saying, you not onlyhave permission, sisters, I'm
your cheerleader.
Let's get at this.
How it's so true and how is agood way to even begin?
(04:05):
Do you have something that youcan share with the audience that
you know is working really wellfor women?
Because it's not our normal.
It's not what we do, and it'snot because we don't want to,
it's because of exterior.
You've already mentioned theexterior is pushing against us
and we're always having to pushand fight and we just are kind
of like, I'm done with this.
(04:26):
I'm, I'll be fine.
I'll just do my thing.
I've got the house, I've got thecar, I've got the kids, I've
got, I should be just happy, butthere's something deep that's
not working.
What types of things do we startto do to figure this out?
Well, I am want to use analogiesa lot because yeah, when you
talk about finance, they, theystart to say, yeah, that's not
(04:49):
me.
And, and really finance is socommon sense, and I say, uh,
probably 98% of the people inthe obituaries didn't plan on
being there yesterday.
Mm.
And when you calculate that, butby the grace of God, uh, I could
have been dead.
I could be dead.
Then it, it draws us into a newappreciation, I think, for the
(05:11):
present.
We talk about open the present,and it's a present, it's, we
gotta open it and, and, and, andrevel in it.
And I don't wanna diminish thatbecause it's really true.
In so much as I've lost quite afew friends and I lost a friend,
uh, one month ago, a dear friendof over 30 years.
My, my, my bad Mike isn't rightwhere I want.
(05:31):
And so our understanding of thepresent is, is heightened by
losing someone close to us andwe think, oh my gosh.
That that can happen, right?
We talk about, and we joke aboutgetting old and eh, and we have,
when we go through organrecitals or this hurts and ah,
and yet we're gonna age if we'relucky.
(05:53):
Yeah.
And I want us to be as preparedas we can as we age.
And so I speak of wealth in fivecategories.
Denise.
I speak of wealth as physical,uh, mental.
Relational, spiritual, andfinancial.
And I always say financial as,because when you say wealth,
everybody gets thingsGreenbacks.
And then what do most peoplesay?
(06:15):
Green bags, I don't have enough.
And what does that put us in?
It puts us in a negativemindset, a scarcity mindset.
That is never going to changeuntil we change the channel up
here and we imagine that we areworth it.
We can achieve goals and dreams.
We don't have.
They don't.
Don't all take money.
No, they do not.
But it's a matter of usenvisioning ourselves in our
(06:39):
fullness.
Having a curiosity that extendsbeyond the present in order to
really come into bloom.
And it often is enhanced bywomen around us.
So I have a group Facebookgroup, and you have your own
group, and these groups are verygood.
Breeding grounds for women tosay, I did that.
(07:00):
You can do it too.
I picked up paintbrush and lookat my latest painting.
And you're like, darn, that'sgood.
And then you go and you pick upyour paintbrush or you pick up
your recording device, or youstart typing your book and your
anthology or whatever floatsyour boat or you have a
curiosity about.
So I think that numbers help.
The sisterhood helps becausesociety has a very strong voice
(07:24):
of saying.
Nah, you're too old.
No.
Mm-hmm.
No.
Mm-hmm.
All right.
You're outta here.
You know, maybe, and companiesstill have these age
requirements that, uh, onceyou're a certain age, you, you
know, you're just freakingfired.
You're laid, you're laid off,you're fired, and you're
retired.
Right?
And so I want us to be politicalin.
The framework that our voice,we, we vote.
(07:47):
Yeah.
And yet our vote.
I always say, I don't care whoyou voted for, that's yesterday
year.
Now where's your voice?
And if our voice is taking astand for women and women's
rights to be the full peoplethat we can be, because it's not
that way now in the legislature,then I think we are buttering
our own bread.
Yeah.
(08:07):
And.
Who better to do it than us aswomen, because we know where the
blocks are right now.
We experience them.
Yeah.
We have the wisdom and we'veskinned our knees enough.
And so instead of saying, huh,I, you know, I lost$2,000 in the
stock market eight years ago,you know, and say, wait, I lost
(08:30):
$2,000 in stock market.
And, and I, and I'm surprised itwasn't more, I was not taught.
I did the best I could.
I worked with what I had, andnow I have a whole new reservoir
of opportunity and resources.
And so I'm committed tocontinuing this investment
process and, and creating my ownwealth.
And I teach women exactly how tomake money.
(08:50):
I mean, step by step.
So this aspect of, uh, escapingfrom the scarcity mindset Yeah.
And imagining ourselves, and itmight take a little bit of a
stretch for us to say.
I am wealthy, I deserve my goalsand objectives.
(09:10):
Try it on there.
Right?
Yeah.
I love, I love the idea ofputting it into verbalization,
putting it into writing, puttingit in out there so that it
doesn't just stay in your mindbecause we trick ourselves in
our mind, don't we?
We begin to.
Yeah.
What about the vision board?
(09:31):
Yeah.
Yeah.
Yeah.
And have a cup.
Print out a couple versions ofthe vision board and have it on
your refrigerator.
Have it on your bathroom mirror.
Have a little copy on your, onyour cell phone, on your
wallpaper, on your cell phone,because you know, just like it,
I don't have kids, but I have animagination.
But you, you're running yourcart through a grocery store and
the kids grabbing this andgrabbing that, and you say, no,
Johnny, we don't want thatbecause we want what's in aisle
(09:54):
six.
And Johnny, Johnny goes, right,right.
And he puts it back and you getto aisle six.
Johnny's forgotten all about it.
So we have to trick kids into.
Something other than the, justthe first impulse.
Right?
And I want us to kind of, uh,invite ourselves to imagine that
instead of just hitting buy withthe Amazon or like purchase and
it'll be delivered to a lockerwithin two miles of your house
(10:16):
in 17 minutes, maybe we put thatin a shopping cart and let it
season for an overnight andtomorrow we look at it and say,
didn't really need that as muchas, and my, my vision board
comes up as much as I want thatlake house in three years.
You see?
Right?
It's that substitute.
Maybe you don't want this rightnow.
Even as easy as it is, clickboom.
(10:36):
Got it.
Right.
And now we actually have animagination.
And Denise, a belief it'spossible because Right, it is.
Yeah.
And thank you for creating thecommunity piece because Do
trying to do this alone.
(10:58):
It's a lone wolf.
It's lone wolfing.
Doesn't work.
It is right.
Yeah.
Yeah.
What are the biggest, biggestmyths about money that hold
women in particular fromrealizing the life of their
dreams?
That boathouse, that cottage,that trip, that second home.
(11:23):
What that.
Creative outlet of, I alwayswanted to be an artist idea what
holds women back from, fromtheir fullness.
I think, and, and there are somany.
So I'll just throw out a coupleand hope that something latches
(11:45):
and, and, and, and, and relates,uh, to our listeners.
And that is this whole, I'm tooold and I never, I, yeah, I keep
math and this whole defeatist I,uh, idea that has to go.
And I say, you probably didn'tknow a thing about soccer until
your granddaughter boundedthrough the door and said,
grandma, I'm going out forsoccer, and pretty soon you're
(12:06):
calling off sides from thebleachers in two weeks.
Ooh, very good.
I love that analogy.
You know?
Yeah.
There's impetus for you to knowsoccer because you love your
granddaughter.
How about we love ourselves?
You know, you get into anairplane and the captain never
gets on and says.
(12:27):
Welcome, ladies and gentlemen,if the cabin should lose
pressure, men put your ownoxygen masks on first.
Women look to the left, puttheir oxygen mask on.
Look to the right, put theiroxygen mask on.
Stand up.
Look at the people in front ofyou.
Put their oxygen mask on.
Stand up.
Look behind you.
Put their oxygen mask on.
If you still might have air, putyour own oxygen mask on.
(12:49):
Mm-hmm.
No.
Yeah, the airlines have spentmillions and billions of dollars
on safety, and that is until youcan breathe, you can't help
other people.
And when I have women saying,no, not inclined to care about
my money and so forth, then youknow, I almost wanna ask, you
(13:09):
know, which of your kids.
Are you gonna wanna live with?
Because I'm not sure that thefeeling could be mutual and not
in not all the cases would it bemutual.
And so I don't wanna be too cuteabout it, but I also don't want
to kick the can down the roadimagining that something is
gonna come out of thin air thatwe haven't imagined yet and
(13:30):
gonna quote unquote, rescue aperson.
We, I've never had acircumstance and a woman, never.
Big word.
That I couldn't help get onto atrajectory to meet her goals.
Never.
47 years people.
47 years.
Come on.
(13:50):
So we, we can do this.
Women.
That is my whole mantra.
We can do it.
Yeah.
Women.
And sometimes you write down,you see like a lot of times,
Denise, I'll ask people, what,what, what are we saving for?
What are we investing for?
What's the why?
Right.
I take us back to our lifepurpose.
What's our why?
Because absent a why we don'thave as much verve and energy to
(14:13):
pop out of bed in the morningand get at it.
And if we don't have a why forthis, then we're probably not
gonna save and invest so much.
But if we have a couple why's.
We start achieving one or two ofthem in the near term that is
going to give us a bedrock onwhich we build our confidence.
And then the compounding, whichEinstein called the eighth one
(14:33):
of the world works while wesleep.
That's what they call it,earning money while you sleep.
And the issues, the dividend andthen the base and the dividend
issues.
Ano gets another dividend atmonth two and month three and
month four.
And that's how we actually makemagic.
With money, financialinvestments, I'm here to teach
(14:53):
anybody that is eager to shedthe shame.
Mm-hmm.
Who is eager to actually takeresponsibility for their life
and say, I'm worth it.
Right.
How do we get started?
Love it.
And that's exactly, widows comeinto my office and said, I made
a horrible mistake.
Mistake.
Right.
The image is a big metal state.
(15:14):
Totally.
And I say, okay, Bessie, youknow, you made a misstep.
Uh, and what is it?
It's just on, on, on January2nd, you know, 2000, I lost
$8,000 in stock market.
I said, okay, Bessie, on January2nd, 2000 yellow,$8,000 stock
market.
What else that, that's all shesaid.
I said, now Bessy, if that'sall, we're great.
(15:36):
And you know, Bessie Hope andher eyes.
How do we get started?
Hmm.
That my friends is a lifechanging moment.
Mm-hmm.
Because Bessie will never be thesame.
Bessie's finally found anenvironment and you, we can do
it as a sisterhood.
You don't have to be a financialprofessional.
We can find each other and wecan seek out each other to say,
(15:59):
if that's the biggest misstepyou ever made, we're golden.
Yeah.
We somehow think that we're inthis little utopia and all of
our mis steps are exemplifiedand amplified, and they're way
bigger than anybody else's.
Yeah, this is nonsense.
Life is short.
(16:21):
Mm-hmm.
Let's be real.
And if you're under saved, thenI wanna know it because I got
strategies to help you withbeing under saved, and I'm gonna
protect you from those.
A marketing efforts that aresteered right towards vulnerable
people, especially widows.
And the marketing vernacular isunder saved need to catch up.
(16:42):
Here's your get rich quickscheme, run like the devil and
the other way.
So we need to be judicious,especially if we're under saved.
And yet there's never, and I didrepeat this, been a situation
that I couldn't give a woman anew trajectory and in vibe.
And she will imbibe hope anddirection and purpose.
(17:04):
And it's so interesting thatwhen we get our money right.
Then other things start to pickup and people say, you know, you
dropped 12 pounds.
Yeah, I, yeah.
And I'm saving systematically.
I'm paying myself first.
I drop 12 pounds.
I walk every other day aroundthe block and uh, I'm eating
less processed food.
You know what?
Because once we think we'reworth it, then we better prepare
(17:27):
ourselves to be here for thelong time, long term.
And I hope to be there with you.
Arm in arm.
Send R.
Red Rover.
Red Rover, send anything over.
Yeah.
Love that.
Love Red Rover.
Oh my gosh.
When's the last time I've heardthat?
As a former educator, we nevergot to let the kids play it, but
I love that game.
(17:49):
Oh.
I was up from the farm, boy, Ido anything right.
But yeah, that was my thing.
So that's the idea is for us toteam up with each other.
Because you don't think the guysare teaming up with each other.
Yeah, they are.
And so we, it's incumbent uponus to nurture ourselves.
Yeah.
And, and use our intuition,which women are hardwired with.
(18:12):
And women are hardwired withcommon sense.
And that's really what money'sabout.
So there are certain financialterms that one would be wise to
know.
I list them in the back of mybook.
My husband died.
Now what?
There's a glossary at the back,right?
There's references, uh, emailand, and internet references for
everything from camps to, uh,you know, widow grief recovery
(18:32):
groups to travel, et cetera.
And I am certainly an advocateof women doing what we can to
bond with other women.
It, it's.
It's a remarkable synergy.
It's remarkable.
Yeah.
It's that in and of itself.
(18:53):
Has the capacity to make changeswithin that environment, doesn't
it right now?
Like powerful, accomplished,empowering changes for the women
who connect and collect for a,I'm not gonna say a higher
purpose, but for a betterpurpose.
'cause there are women thatcollect and it's just a grump
(19:15):
session then that doesn't.
Grow anyone.
This is not anything like that.
This isn't, woe is me about myfinances isn't, isn't.
Woe is me about, well, I'maging.
It's the counter opposite.
And what do we get to do foryou?
By you because of you in thatcollective, right?
(19:36):
I love that for you.
By you, because of you,everybody just let's take that
to heart for you, by you becauseof you.
That's how the world is gonnachange one woman at a time.
Yeah.
And it will, it, it, it's, itis, it is.
We have the power.
(19:56):
Yeah.
And to, and the likes of you tocreate such capacity.
To hold a space that is judgmentfree, to hold a space that has
such wisdom, knowledge, andexperience, and your energy is
just beyond.
I love it.
I'm so thrilled to have you herewith us.
(20:19):
Yeah.
Can I speak in one more time?
Yes, please Do.
A myth.
A myth.
A myth.
It is so horrible.
Women sometimes had watchedtelevision.
Sometimes a prospective clientwould come into my office and
say, well, we watch two hours ofCNBC each day.
And I think to my, I chew in theinside of my cheeks, say, whoa,
I'm gonna disabuse you of that.
Right?
So the fact is, what women haveread about and they've seen on
(20:43):
TV and they've seen that the.
Financial pundits, their veinspopping, and they, the market is
crashing.
The market is crashing.
And, and women are like, they'resaying that with such convention
conviction.
It's like, uh, that, that'sserious.
I, I, it must mean I shouldquote unquote do something and I
should sell because I'm afraidand I'm nervous.
And they sell at the bottom whenthe market is dri dropping and
(21:05):
they lose money, per se.
Now.
Women have been fed this andthese images, and they're,
they're, they're in your face.
The, the, the neck veins poppingis no exaggeration.
And the fear of that is suchthat they only know one R word
associated with the stock marketrisk.
(21:26):
But you know what?
Risk is intertwined with return.
And the only reason that people.
Do not invest in the stockmarket for longer term
investment objectives is becausethey have forgotten that risk is
the currency for return, andthere's a whole lot more return
in the stock market.
The last 80 plus years, thestock market has averaged eight
(21:47):
to 10%.
The last 80 years, the bondmarket has averaged four, four
to 5%.
Even with the new math stocksreturned double, double.
Hmm.
Are we tracking double such thatwhen women have the myth that
stocks are risky and I couldlose my money and bonds are safe
and I'll never lose my money?
That has to be disabused nowbecause you can lose money in
(22:12):
bonds.
Yes, you can both truly becauseinterest rates and bond prices
are an inverse relationship.
So as interest rates go, uh, upbond prices go down.
So you could lose actualprinciple.
I know this is a, is a cluephone to many people, but the
other loss in investinguniformly in bonds to the
(22:36):
exclusion of stocks for the longterm is inflation and taxes will
supersede the interest rate thatyou're getting on your bond.
You're wondering why then you'regonna sink instead of swim when
you're retired.
I remember Nicole ice creamcones.
I remember 29 cent gas.
If you think inflation is goingaway, I disagree.
(22:56):
Inflation is gonna be with us.
And the only investment besidereal estate that has bested
inflation and taxes over thelong term is stocks.
And it's a high time that welearn that stocks are our
friend.
We wanna be judicious aboutmanaging our risk.
Yes, we do.
That's why you get a fiduciaryadvisor, not a person that's
(23:18):
gonna earn a commission.
Nope.
I don't want any out of ourlisteners paying their brokers
boat payment or their insuranceagents boat payment, buying a
big, fat commission loadedannuity or life insurance
policy?
Nope.
Seek out a fiduciary plannerwhose objective is your
objective?
Get advice on low cost, no loadinvestments that will build and
(23:41):
compound to give you the returnsmedium to long term that you
deserve.
And that's how you're gonna turnyour investing into much more
profitable investing And.
Mostly let's set our sights andour goals on what we're gonna
feel when we get there, howwe're gonna feel to get on a
plane or get in the car andvisit our grandkids while they
(24:02):
have the concert or the soccergame instead of seeing it on
Zoom.
Those are life's memories andthat's what people remember on
their deathbed, not I wish Iwould've been the standard and
poor.
Yeah.
Yeah.
So in the, in the, in the aspectthat money buys options, I'm not
saying money buys happiness.
There probably wouldn't be anydivorces, but money buys
(24:23):
options.
Yeah.
And so with more money,especially if we lose parts of
our health, we can engage invarious and sundry other
options, which is a mercy.
And so I have, I've been withoutmoney and I've been with money.
I can assure you there's a realdifferent feeling in both
scenarios.
Much prefer to have the options.
(24:46):
Right, right.
I love that.
I love that.
You hear all the time, moneycreates happiness, money creates
options, and you get to choosewhat you want to do with that,
right?
Yeah.
De.
Is there anything you would loveto share with the audience that
(25:06):
we haven't talked about?
We could go on, I know, but Iwant to make sure that the
audience hears something fromyou that you feel would be
really a great way for you togive the information you really
wanna hone in on so that ourlisteners and in the show notes.
All of your information will bethere, and we'll make sure that
(25:26):
people can find you and contactyou and join your group.
We can do it women.
Yay.
Help build your passion anddream.
Yeah, there is.
Um, and, uh, two thingsactually.
I was taken to the New YorkStock Exchange at age nine by my
aunt.
And I looked down on the floorand my nose was pressed against
(25:48):
the plexiglass and all that fistpumping and shouting, and the
lights and the flashing, and Isaid, then at age nine I said, I
wanna be part of that energy.
And ever since I think of moneyas energy.
And so we, we give money, we paymoney, and we pay bills.
We pay someone else, we receivemoney.
And when money is flowing,everything is good.
(26:09):
The great recession, 2007, eightmoney banks stop lending as big
stoppage, et cetera.
It's a bad thing.
So money like blood and likewater, it's best when it's
flowing.
So I want us to be a part ofthat energy.
And then the second thing is itwas a life changing moment for
me.
I think I have very goodintuition and I'm grateful to
God for it.
I'm on live CNN across fromStuart Varney, 1999.
(26:34):
He says, we had some dead timefor some reason.
And he says, Deborah, tell us,uh, your best investment.
Well, what is going through mymind?
I'm like, what in the worldwould I say?
And I literally said, God, giveme something to say.
What do I say?
A stock, a piece of real estate?
An out from my lips came.
Stewart, I have two assets inlife.
My two most important assets inlife are time and health.
(26:57):
And I don't wanna waste eitherone of them.
Whoa.
He says, we have a financialplanner across the Chiron.
Deborah Morrison, CFP have afinancial planner.
You're talking about time andhealth.
He had to take a station break.
He was that flustered and I gotin the limo to come back home
and I said, thank you, God.
Yeah.
Yeah.
Since then I've used thatbecause absent our health.
(27:18):
This isn't so valuable, right?
So time which we, we have noidea how much time we have and
we really don't know how muchhealth we're gonna have until
the day we say, you know, sorry,you know, see it later.
And I want us to be judiciousabout putting the most life into
our years, the most value intoour time.
And to bring our health up to apar where it will last as long
(27:42):
as we do, because that's gonnamake things a lot more fun.
And we are going to be, um.
Continuously active participantsin our family's life.
We're not gonna be over there ina wheelchair where people say,
oh, it is too much father tobring Aunt Ruth over here.
Wait, wait, no.
We're gonna be on the floorplaying with the kids and the
grandkids and the nieces.
And so time and health are mytwo biggest assets, and I don't
(28:05):
wanna waste either one of them.
Beautiful.
Oh.
Golden Golden.
Thank you so, so much, so much.
If there's been something intoday's conversations with
Deborah that spoke to you,'causeI know there's more than one
thing, so I know there'smultiple, there is for me,
(28:27):
things are stirring.
I'm telling you it's possiblystirred a memory or sparked a
new thought or simply remindedto you that you are valuable.
You are not alone.
And when you do it for you, byyou, because of you, everyone
wins.
It is just the beginning andthat's what we want to let you
(28:49):
know inside becoming her.
The mentor membership that I'vecreated.
Space for women just like you toexplore who they are now, who
they're becoming, and how to nit all.
Navigate it all with grace,strength, and support.
If you loved this episode,please take a moment to follow
(29:10):
the show.
Leave a review, share it with afriend who might need to hear
this today.
Your journey matters, your voicematters, and we'll see you right
back here next week for you.
Bye, you.
Because of you.
Thank you so much, Deborah,again, for your wisdom.
Thank you, Denise.
Hello and welcome to ThriveAfter 45, the podcast where we
(00:05):
redefine what is possible inmidlife.
I'm Denise.
Drink your midlife renewal coachhere to help you embrace your
power, purpose, and potential.
This is your space to let go ofguilt, navigate transitions,
rediscover joy and thrive.
For you by you because of you.
It is such an honor and a realprivilege to welcome and
(00:30):
introduce Debra Morrison to theshow today.
With over 47 years of experienceas a fiduciary, certified
financial planner and assetmanager, Deborah has helped.
Thousands of women confidentlymanage their money and live
(00:50):
untethered, fulfilling lives.
Her work extends far beyondnumbers, offering pro bono
guidance to grieving familiesafter nine 11, becoming a
certified grief coach andstanding beside her clients
through some of life's.
Most difficult seasons.
(01:10):
She is the author of, my HusbandDied Now What and Common Sense
Money Guide for Women and hasappeared on C-N-N-A-B-C Fox and
in the Wall Street Journal.
Good Housekeeping and many more.
Her TEDx talk.
Feel the financial fear and doit anyway, continues to inspire
(01:35):
women to face their financiallives with courage and clarity.
Deborah brings wisdom, warmth,and a refreshing perspective to
every room she enters, and todayis no exception.
Deborah, welcome to Thrive after45.
Thanks, Denise.
I'm already thriving with thatintro.
(01:55):
Appreciate you.
My pleasure.
Let's dig in and start from, notthe beginning, but give us a
sense our, our listeners, asense of where you are coming
from these days morespecifically.
Right.
(02:16):
Well, I was very curious.
Give us a start, but not at thestart because it was child
labor.
I mean, it's like, yeah, we'll,we'll go way back, but yeah.
Yeah, we're not, you know, we'renot gonna go there, uh, yet.
Uh, where I am, uh, operatingnow is, is in a, uh, in a era
and a chapter era, and a chapterof possibility.
(02:37):
Mm.
And, uh, ageism has been soprevalent in our society, at
least in the United States ofAmerica and most of the North
American, uh, population thatwomen have been shuffled to the
sidelines.
Our use value is kind of like,all right, we're kind of done
with you.
You had the kids, you had thegrandkids.
And I am on a mission to bringthe women out of the sidelines
(02:58):
and into the spotlight and touse one of your, of, uh,
phrases, I believe and fan theembers.
So that they can find the sparkand and enliven that spark in
them to go ahead and start tolearn how to paint or to sing or
to play the piano or go into amore of a travel schedule or
tutor a child or volunteer inthe local whatevers to.
(03:23):
Enliven them and to buttressDenise their purpose.
Because absent purpose, we cankind of, you know, shrink into
ourselves in a much smallerversion than God and the
universe ever intended us to be.
And so I want us to, maybe we'regonna grow into ourselves
because the focus for women hasbeen so outward as you well know
(03:44):
that it's a real.
Change for women to actually,and I always have this near me,
a, a heart mirror to turn the,uh, uh, focus on ourselves.
And I'm saying, you not onlyhave permission, sisters, I'm
your cheerleader.
Let's get at this.
How it's so true and how is agood way to even begin?
(04:05):
Do you have something that youcan share with the audience that
you know is working really wellfor women?
Because it's not our normal.
It's not what we do, and it'snot because we don't want to,
it's because of exterior.
You've already mentioned theexterior is pushing against us
and we're always having to pushand fight and we just are kind
of like, I'm done with this.
(04:26):
I'm, I'll be fine.
I'll just do my thing.
I've got the house, I've got thecar, I've got the kids, I've
got, I should be just happy, butthere's something deep that's
not working.
What types of things do we startto do to figure this out?
Well, I am want to use analogiesa lot because yeah, when you
talk about finance, they, theystart to say, yeah, that's not
(04:49):
me.
And, and really finance is socommon sense, and I say, uh,
probably 98% of the people inthe obituaries didn't plan on
being there yesterday.
Mm.
And when you calculate that, butby the grace of God, uh, I could
have been dead.
I could be dead.
Then it, it draws us into a newappreciation, I think, for the
(05:11):
present.
We talk about open the present,and it's a present, it's, we
gotta open it and, and, and, andrevel in it.
And I don't wanna diminish thatbecause it's really true.
In so much as I've lost quite afew friends and I lost a friend,
uh, one month ago, a dear friendof over 30 years.
My, my, my bad Mike isn't rightwhere I want.
(05:31):
And so our understanding of thepresent is, is heightened by
losing someone close to us andwe think, oh my gosh.
That that can happen, right?
We talk about, and we joke aboutgetting old and eh, and we have,
when we go through organrecitals or this hurts and ah,
and yet we're gonna age if we'relucky.
(05:53):
Yeah.
And I want us to be as preparedas we can as we age.
And so I speak of wealth in fivecategories.
Denise.
I speak of wealth as physical,uh, mental.
Relational, spiritual, andfinancial.
And I always say financial as,because when you say wealth,
everybody gets thingsGreenbacks.
And then what do most peoplesay?
(06:15):
Green bags, I don't have enough.
And what does that put us in?
It puts us in a negativemindset, a scarcity mindset.
That is never going to changeuntil we change the channel up
here and we imagine that we areworth it.
We can achieve goals and dreams.
We don't have.
They don't.
Don't all take money.
No, they do not.
But it's a matter of usenvisioning ourselves in our
(06:39):
fullness.
Having a curiosity that extendsbeyond the present in order to
really come into bloom.
And it often is enhanced bywomen around us.
So I have a group Facebookgroup, and you have your own
group, and these groups are verygood.
Breeding grounds for women tosay, I did that.
(07:00):
You can do it too.
I picked up paintbrush and lookat my latest painting.
And you're like, darn, that'sgood.
And then you go and you pick upyour paintbrush or you pick up
your recording device, or youstart typing your book and your
anthology or whatever floatsyour boat or you have a
curiosity about.
So I think that numbers help.
The sisterhood helps becausesociety has a very strong voice
(07:24):
of saying.
Nah, you're too old.
No.
Mm-hmm.
No.
Mm-hmm.
All right.
You're outta here.
You know, maybe, and companiesstill have these age
requirements that, uh, onceyou're a certain age, you, you
know, you're just freakingfired.
You're laid, you're laid off,you're fired, and you're
retired.
Right?
And so I want us to be politicalin.
The framework that our voice,we, we vote.
(07:47):
Yeah.
And yet our vote.
I always say, I don't care whoyou voted for, that's yesterday
year.
Now where's your voice?
And if our voice is taking astand for women and women's
rights to be the full peoplethat we can be, because it's not
that way now in the legislature,then I think we are buttering
our own bread.
Yeah.
(08:07):
And.
Who better to do it than us aswomen, because we know where the
blocks are right now.
We experience them.
Yeah.
We have the wisdom and we'veskinned our knees enough.
And so instead of saying, huh,I, you know, I lost$2,000 in the
stock market eight years ago,you know, and say, wait, I lost
(08:30):
$2,000 in stock market.
And, and I, and I'm surprised itwasn't more, I was not taught.
I did the best I could.
I worked with what I had, andnow I have a whole new reservoir
of opportunity and resources.
And so I'm committed tocontinuing this investment
process and, and creating my ownwealth.
And I teach women exactly how tomake money.
(08:50):
I mean, step by step.
So this aspect of, uh, escapingfrom the scarcity mindset Yeah.
And imagining ourselves, and itmight take a little bit of a
stretch for us to say.
I am wealthy, I deserve my goalsand objectives.
(09:10):
Try it on there.
Right?
Yeah.
I love, I love the idea ofputting it into verbalization,
putting it into writing, puttingit in out there so that it
doesn't just stay in your mindbecause we trick ourselves in
our mind, don't we?
We begin to.
Yeah.
What about the vision board?
(09:31):
Yeah.
Yeah.
Yeah.
And have a cup.
Print out a couple versions ofthe vision board and have it on
your refrigerator.
Have it on your bathroom mirror.
Have a little copy on your, onyour cell phone, on your
wallpaper, on your cell phone,because you know, just like it,
I don't have kids, but I have animagination.
But you, you're running yourcart through a grocery store and
the kids grabbing this andgrabbing that, and you say, no,
Johnny, we don't want thatbecause we want what's in aisle
(09:54):
six.
And Johnny, Johnny goes, right,right.
And he puts it back and you getto aisle six.
Johnny's forgotten all about it.
So we have to trick kids into.
Something other than the, justthe first impulse.
Right?
And I want us to kind of, uh,invite ourselves to imagine that
instead of just hitting buy withthe Amazon or like purchase and
it'll be delivered to a lockerwithin two miles of your house
(10:16):
in 17 minutes, maybe we put thatin a shopping cart and let it
season for an overnight andtomorrow we look at it and say,
didn't really need that as muchas, and my, my vision board
comes up as much as I want thatlake house in three years.
You see?
Right?
It's that substitute.
Maybe you don't want this rightnow.
Even as easy as it is, clickboom.
(10:36):
Got it.
Right.
And now we actually have animagination.
And Denise, a belief it'spossible because Right, it is.
Yeah.
And thank you for creating thecommunity piece because Do
trying to do this alone.
(10:58):
It's a lone wolf.
It's lone wolfing.
Doesn't work.
It is right.
Yeah.
Yeah.
What are the biggest, biggestmyths about money that hold
women in particular fromrealizing the life of their
dreams?
That boathouse, that cottage,that trip, that second home.
(11:23):
What that.
Creative outlet of, I alwayswanted to be an artist idea what
holds women back from, fromtheir fullness.
I think, and, and there are somany.
So I'll just throw out a coupleand hope that something latches
(11:45):
and, and, and, and, and relates,uh, to our listeners.
And that is this whole, I'm tooold and I never, I, yeah, I keep
math and this whole defeatist I,uh, idea that has to go.
And I say, you probably didn'tknow a thing about soccer until
your granddaughter boundedthrough the door and said,
grandma, I'm going out forsoccer, and pretty soon you're
(12:06):
calling off sides from thebleachers in two weeks.
Ooh, very good.
I love that analogy.
You know?
Yeah.
There's impetus for you to knowsoccer because you love your
granddaughter.
How about we love ourselves?
You know, you get into anairplane and the captain never
gets on and says.
(12:27):
Welcome, ladies and gentlemen,if the cabin should lose
pressure, men put your ownoxygen masks on first.
Women look to the left, puttheir oxygen mask on.
Look to the right, put theiroxygen mask on.
Stand up.
Look at the people in front ofyou.
Put their oxygen mask on.
Stand up.
Look behind you.
Put their oxygen mask on.
If you still might have air, putyour own oxygen mask on.
(12:49):
Mm-hmm.
No.
Yeah, the airlines have spentmillions and billions of dollars
on safety, and that is until youcan breathe, you can't help
other people.
And when I have women saying,no, not inclined to care about
my money and so forth, then youknow, I almost wanna ask, you
(13:09):
know, which of your kids.
Are you gonna wanna live with?
Because I'm not sure that thefeeling could be mutual and not
in not all the cases would it bemutual.
And so I don't wanna be too cuteabout it, but I also don't want
to kick the can down the roadimagining that something is
gonna come out of thin air thatwe haven't imagined yet and
(13:30):
gonna quote unquote, rescue aperson.
We, I've never had acircumstance and a woman, never.
Big word.
That I couldn't help get onto atrajectory to meet her goals.
Never.
47 years people.
47 years.
Come on.
(13:50):
So we, we can do this.
Women.
That is my whole mantra.
We can do it.
Yeah.
Women.
And sometimes you write down,you see like a lot of times,
Denise, I'll ask people, what,what, what are we saving for?
What are we investing for?
What's the why?
Right.
I take us back to our lifepurpose.
What's our why?
Because absent a why we don'thave as much verve and energy to
(14:13):
pop out of bed in the morningand get at it.
And if we don't have a why forthis, then we're probably not
gonna save and invest so much.
But if we have a couple why's.
We start achieving one or two ofthem in the near term that is
going to give us a bedrock onwhich we build our confidence.
And then the compounding, whichEinstein called the eighth one
(14:33):
of the world works while wesleep.
That's what they call it,earning money while you sleep.
And the issues, the dividend andthen the base and the dividend
issues.
Ano gets another dividend atmonth two and month three and
month four.
And that's how we actually makemagic.
With money, financialinvestments, I'm here to teach
(14:53):
anybody that is eager to shedthe shame.
Mm-hmm.
Who is eager to actually takeresponsibility for their life
and say, I'm worth it.
Right.
How do we get started?
Love it.
And that's exactly, widows comeinto my office and said, I made
a horrible mistake.
Mistake.
Right.
The image is a big metal state.
(15:14):
Totally.
And I say, okay, Bessie, youknow, you made a misstep.
Uh, and what is it?
It's just on, on, on January2nd, you know, 2000, I lost
$8,000 in stock market.
I said, okay, Bessie, on January2nd, 2000 yellow,$8,000 stock
market.
What else that, that's all shesaid.
I said, now Bessy, if that'sall, we're great.
(15:36):
And you know, Bessie Hope andher eyes.
How do we get started?
Hmm.
That my friends is a lifechanging moment.
Mm-hmm.
Because Bessie will never be thesame.
Bessie's finally found anenvironment and you, we can do
it as a sisterhood.
You don't have to be a financialprofessional.
We can find each other and wecan seek out each other to say,
(15:59):
if that's the biggest misstepyou ever made, we're golden.
Yeah.
We somehow think that we're inthis little utopia and all of
our mis steps are exemplifiedand amplified, and they're way
bigger than anybody else's.
Yeah, this is nonsense.
Life is short.
(16:21):
Mm-hmm.
Let's be real.
And if you're under saved, thenI wanna know it because I got
strategies to help you withbeing under saved, and I'm gonna
protect you from those.
A marketing efforts that aresteered right towards vulnerable
people, especially widows.
And the marketing vernacular isunder saved need to catch up.
(16:42):
Here's your get rich quickscheme, run like the devil and
the other way.
So we need to be judicious,especially if we're under saved.
And yet there's never, and I didrepeat this, been a situation
that I couldn't give a woman anew trajectory and in vibe.
And she will imbibe hope anddirection and purpose.
(17:04):
And it's so interesting thatwhen we get our money right.
Then other things start to pickup and people say, you know, you
dropped 12 pounds.
Yeah, I, yeah.
And I'm saving systematically.
I'm paying myself first.
I drop 12 pounds.
I walk every other day aroundthe block and uh, I'm eating
less processed food.
You know what?
Because once we think we'reworth it, then we better prepare
(17:27):
ourselves to be here for thelong time, long term.
And I hope to be there with you.
Arm in arm.
Send R.
Red Rover.
Red Rover, send anything over.
Yeah.
Love that.
Love Red Rover.
Oh my gosh.
When's the last time I've heardthat?
As a former educator, we nevergot to let the kids play it, but
I love that game.
(17:49):
Oh.
I was up from the farm, boy, Ido anything right.
But yeah, that was my thing.
So that's the idea is for us toteam up with each other.
Because you don't think the guysare teaming up with each other.
Yeah, they are.
And so we, it's incumbent uponus to nurture ourselves.
Yeah.
And, and use our intuition,which women are hardwired with.
(18:12):
And women are hardwired withcommon sense.
And that's really what money'sabout.
So there are certain financialterms that one would be wise to
know.
I list them in the back of mybook.
My husband died.
Now what?
There's a glossary at the back,right?
There's references, uh, emailand, and internet references for
everything from camps to, uh,you know, widow grief recovery
(18:32):
groups to travel, et cetera.
And I am certainly an advocateof women doing what we can to
bond with other women.
It, it's.
It's a remarkable synergy.
It's remarkable.
Yeah.
It's that in and of itself.
(18:53):
Has the capacity to make changeswithin that environment, doesn't
it right now?
Like powerful, accomplished,empowering changes for the women
who connect and collect for a,I'm not gonna say a higher
purpose, but for a betterpurpose.
'cause there are women thatcollect and it's just a grump
(19:15):
session then that doesn't.
Grow anyone.
This is not anything like that.
This isn't, woe is me about myfinances isn't, isn't.
Woe is me about, well, I'maging.
It's the counter opposite.
And what do we get to do foryou?
By you because of you in thatcollective, right?
(19:36):
I love that for you.
By you, because of you,everybody just let's take that
to heart for you, by you becauseof you.
That's how the world is gonnachange one woman at a time.
Yeah.
And it will, it, it, it's, itis, it is.
We have the power.
(19:56):
Yeah.
And to, and the likes of you tocreate such capacity.
To hold a space that is judgmentfree, to hold a space that has
such wisdom, knowledge, andexperience, and your energy is
just beyond.
I love it.
I'm so thrilled to have you herewith us.
(20:19):
Yeah.
Can I speak in one more time?
Yes, please Do.
A myth.
A myth.
A myth.
It is so horrible.
Women sometimes had watchedtelevision.
Sometimes a prospective clientwould come into my office and
say, well, we watch two hours ofCNBC each day.
And I think to my, I chew in theinside of my cheeks, say, whoa,
I'm gonna disabuse you of that.
Right?
So the fact is, what women haveread about and they've seen on
(20:43):
TV and they've seen that the.
Financial pundits, their veinspopping, and they, the market is
crashing.
The market is crashing.
And, and women are like, they'resaying that with such convention
conviction.
It's like, uh, that, that'sserious.
I, I, it must mean I shouldquote unquote do something and I
should sell because I'm afraidand I'm nervous.
And they sell at the bottom whenthe market is dri dropping and
(21:05):
they lose money, per se.
Now.
Women have been fed this andthese images, and they're,
they're, they're in your face.
The, the, the neck veins poppingis no exaggeration.
And the fear of that is suchthat they only know one R word
associated with the stock marketrisk.
(21:26):
But you know what?
Risk is intertwined with return.
And the only reason that people.
Do not invest in the stockmarket for longer term
investment objectives is becausethey have forgotten that risk is
the currency for return, andthere's a whole lot more return
in the stock market.
The last 80 plus years, thestock market has averaged eight
(21:47):
to 10%.
The last 80 years, the bondmarket has averaged four, four
to 5%.
Even with the new math stocksreturned double, double.
Hmm.
Are we tracking double such thatwhen women have the myth that
stocks are risky and I couldlose my money and bonds are safe
and I'll never lose my money?
That has to be disabused nowbecause you can lose money in
(22:12):
bonds.
Yes, you can both truly becauseinterest rates and bond prices
are an inverse relationship.
So as interest rates go, uh, upbond prices go down.
So you could lose actualprinciple.
I know this is a, is a cluephone to many people, but the
other loss in investinguniformly in bonds to the
(22:36):
exclusion of stocks for the longterm is inflation and taxes will
supersede the interest rate thatyou're getting on your bond.
You're wondering why then you'regonna sink instead of swim when
you're retired.
I remember Nicole ice creamcones.
I remember 29 cent gas.
If you think inflation is goingaway, I disagree.
(22:56):
Inflation is gonna be with us.
And the only investment besidereal estate that has bested
inflation and taxes over thelong term is stocks.
And it's a high time that welearn that stocks are our
friend.
We wanna be judicious aboutmanaging our risk.
Yes, we do.
That's why you get a fiduciaryadvisor, not a person that's
(23:18):
gonna earn a commission.
Nope.
I don't want any out of ourlisteners paying their brokers
boat payment or their insuranceagents boat payment, buying a
big, fat commission loadedannuity or life insurance
policy?
Nope.
Seek out a fiduciary plannerwhose objective is your
objective?
Get advice on low cost, no loadinvestments that will build and
(23:41):
compound to give you the returnsmedium to long term that you
deserve.
And that's how you're gonna turnyour investing into much more
profitable investing And.
Mostly let's set our sights andour goals on what we're gonna
feel when we get there, howwe're gonna feel to get on a
plane or get in the car andvisit our grandkids while they
(24:02):
have the concert or the soccergame instead of seeing it on
Zoom.
Those are life's memories andthat's what people remember on
their deathbed, not I wish Iwould've been the standard and
poor.
Yeah.
Yeah.
So in the, in the, in the aspectthat money buys options, I'm not
saying money buys happiness.
There probably wouldn't be anydivorces, but money buys
(24:23):
options.
Yeah.
And so with more money,especially if we lose parts of
our health, we can engage invarious and sundry other
options, which is a mercy.
And so I have, I've been withoutmoney and I've been with money.
I can assure you there's a realdifferent feeling in both
scenarios.
Much prefer to have the options.
(24:46):
Right, right.
I love that.
I love that.
You hear all the time, moneycreates happiness, money creates
options, and you get to choosewhat you want to do with that,
right?
Yeah.
De.
Is there anything you would loveto share with the audience that
(25:06):
we haven't talked about?
We could go on, I know, but Iwant to make sure that the
audience hears something fromyou that you feel would be
really a great way for you togive the information you really
wanna hone in on so that ourlisteners and in the show notes.
All of your information will bethere, and we'll make sure that
(25:26):
people can find you and contactyou and join your group.
We can do it women.
Yay.
Help build your passion anddream.
Yeah, there is.
Um, and, uh, two thingsactually.
I was taken to the New YorkStock Exchange at age nine by my
aunt.
And I looked down on the floorand my nose was pressed against
(25:48):
the plexiglass and all that fistpumping and shouting, and the
lights and the flashing, and Isaid, then at age nine I said, I
wanna be part of that energy.
And ever since I think of moneyas energy.
And so we, we give money, we paymoney, and we pay bills.
We pay someone else, we receivemoney.
And when money is flowing,everything is good.
(26:09):
The great recession, 2007, eightmoney banks stop lending as big
stoppage, et cetera.
It's a bad thing.
So money like blood and likewater, it's best when it's
flowing.
So I want us to be a part ofthat energy.
And then the second thing is itwas a life changing moment for
me.
I think I have very goodintuition and I'm grateful to
God for it.
I'm on live CNN across fromStuart Varney, 1999.
(26:34):
He says, we had some dead timefor some reason.
And he says, Deborah, tell us,uh, your best investment.
Well, what is going through mymind?
I'm like, what in the worldwould I say?
And I literally said, God, giveme something to say.
What do I say?
A stock, a piece of real estate?
An out from my lips came.
Stewart, I have two assets inlife.
My two most important assets inlife are time and health.
(26:57):
And I don't wanna waste eitherone of them.
Whoa.
He says, we have a financialplanner across the Chiron.
Deborah Morrison, CFP have afinancial planner.
You're talking about time andhealth.
He had to take a station break.
He was that flustered and I gotin the limo to come back home
and I said, thank you, God.
Yeah.
Yeah.
Since then I've used thatbecause absent our health.
(27:18):
This isn't so valuable, right?
So time which we, we have noidea how much time we have and
we really don't know how muchhealth we're gonna have until
the day we say, you know, sorry,you know, see it later.
And I want us to be judiciousabout putting the most life into
our years, the most value intoour time.
And to bring our health up to apar where it will last as long
(27:42):
as we do, because that's gonnamake things a lot more fun.
And we are going to be, um.
Continuously active participantsin our family's life.
We're not gonna be over there ina wheelchair where people say,
oh, it is too much father tobring Aunt Ruth over here.
Wait, wait, no.
We're gonna be on the floorplaying with the kids and the
grandkids and the nieces.
And so time and health are mytwo biggest assets, and I don't
(28:05):
wanna waste either one of them.
Beautiful.
Oh.
Golden Golden.
Thank you so, so much, so much.
If there's been something intoday's conversations with
Deborah that spoke to you,'causeI know there's more than one
thing, so I know there'smultiple, there is for me,
(28:27):
things are stirring.
I'm telling you it's possiblystirred a memory or sparked a
new thought or simply remindedto you that you are valuable.
You are not alone.
And when you do it for you, byyou, because of you, everyone
wins.
It is just the beginning andthat's what we want to let you
(28:49):
know inside becoming her.
The mentor membership that I'vecreated.
Space for women just like you toexplore who they are now, who
they're becoming, and how to nit all.
Navigate it all with grace,strength, and support.
If you loved this episode,please take a moment to follow
(29:10):
the show.
Leave a review, share it with afriend who might need to hear
this today.
Your journey matters, your voicematters, and we'll see you right
back here next week for you.
Bye, you.
Because of you.
Thank you so much, Deborah,again, for your wisdom.
Thank you, Denise.
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