Spilling the Tea with Money Chic's Shari Rash

Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
Welcome to the wandering musings of AJ and A-Ray!

(00:04):
To Mamas After Dark!
Sit back, relax, and enjoy!

(00:25):
Welcome, welcome!
Welcome! How are you?
I'm good!
I'm good!
How are you?
I'm freezing, but I'm good!
It's time to spill the tea!
What are you thinking? What are you drinking?

(00:47):
Whatcha drinking?
I am drinking good old fashioned water.
Why do you have that look on your face?
Because I was trying to be funny and I was trying to make you laugh.
You look sassy as you drink it.
Nanny, nanny, boo boo!
Someone's real sassy today.
Must have been something in this green smoothie I'm drinking.

(01:10):
Yeah. You put a little extra in there?
Well, I put cayenne pepper because we talked about it.
It's been helping me, at least for me, just like the little teaspoon that I put, like less than that actually, of cayenne.
It's been helping me not crave things throughout the day, like to be snacky, which is a problem that I have.

(01:33):
I think I picked it up while we were in clinic.
Because you don't ever get to actually have a full meal.
And so I was like, I'm going to see if this actually helps. And it does.
I love it.
I don't put enough to like throw off the flavor because I want it to taste good.
I want to actually be able to drink it.
But it's apparently enough to make you sassy.

(01:56):
More so than usual.
Put a little ice and fire in there.
And I have water because I always two fist it, you know?
Actually, and I have kombucha too, because my tummy's been weird.
Geez.
So I'm three fisting it.
Wow.
I'm borrowing somebody's fist.
I love it.
So tell me about your horrific adventure.

(02:23):
My horrific adventure is weak.
Because I'll tell you mine after.
Oh, it's just been a doozy of a week, but hey, we're fine.
Everything's fine.
We got in a little tiny bit of a fender bender yesterday.
Fine. Someone decided.
To which your child decided to take over your phone.

(02:48):
Yes.
He, uh,
I was telling Avery about it.
I was like, we're fine.
Everything's fine.
But then we started.
So I was telling her about it while we were waiting for the.
Officer to finish the report.
Then.
Start to drive away to go back home and.

(03:09):
She responded, but I didn't want her to worry because, you know,
I was like, I'm going to be fine.
I'm going to be fine.
She responded, but I didn't want her to worry.
Cause you know, if I don't.
When you start that kind of conversation, you don't want to.
You have to respond right away.
I'm going to make the person worry.
So I was like, Hey.

(03:30):
Buddy, can you respond to her?
Like.
Let her know that we're fine.
You know, tell her, tell her this.
Then I get home and I go.
Like.
Go finish my conversation with her.
I was like, Oh, I'm sorry.
It was just a very short conversation, but I go and look and.

(03:51):
You had a whole conversation with her as me.
It was cute.
I could kind of tell, but I was like.
Not saying anything too bad.
It was just, I was like, well, you know,
now you know his feelings about the matter.
Yeah.
Well, he said that you had a cursor.
And he said, well, you know, I.

(04:13):
That's now three bad things that have happened.
I think he meant hex.
Probably.
And then she tells me, and I was like, I love it.
And then I thought, Hmm.
Would my kids do that?
And I said, no,
but it's mostly because I don't touch my phone.

(04:35):
That's funny.
But yes.
I think it's funny.
I think it's funny.
Now that I can do like the.
Like you push the.
My fit.
My car is fancy enough.
That's the V.
That I can just push the mic and it responds.
Mostly.
How you say it.
Mostly.
Mostly.

(04:56):
Well, it does better than voice to text on the actual phone.
So I don't know what the difference is.
But because he had my.
He was watching YouTube on my phone.
On the way home.
Cause his had died.
And he was like,
I don't know what the difference is.
I don't know what the difference is.
I think I wasn't getting the notifications.
So I didn't know you were talking to me.
But yeah,
somebody decided that they wanted to join us in our lane on the

(05:18):
freeway.
Oh yeah.
That was my yesterday.
So we're feeling a little sore today.
I'll still take your adventure.
Well, no, I'll take my adventure over yours.
So the other day I was talking to the V and he was like,
I'm not going to my,
I'm not going to my adventure.
So he was like,

(05:39):
I'm not going to my adventure.
Was going.
Hmm.
Where's my big 140 pound dog.
Going outside.
And seeing my little tiny Dachshund run up.
And barking like alert alert,
because.
My 140 pound dog.
Jumped our fence.
The back one.
Not the fancy one that we paid for.
But the one that was already established there.

(06:00):
Yeah.
dog. Oh, he's gonna kill him and the cat. Him and Bo are gonna kill me. We just wanted
to have adventures this week. It's fine. But poor Helios, he's like he was so like lovey

(06:20):
dovey last night. Like he could tell we were not happy with him. Sorry mom. And he was
just like laying with his little paws out and his little sad little face which is adorable.
I'm mad at you. I'm trying to convince myself I'm mad at you. You can't stay very long for

(06:43):
very long. We really we don't want to do this but we've decided we're gonna have to do a
shock collar but it won't hurt as bad as like the bite ones. So we're gonna get we're gonna
get the ones that you put up a wire and we're gonna put it on the back fence portion where

(07:03):
it's really low and we're gonna start with that and then we're gonna get the little one
that has the remote with it too so that we can start teaching him better behavior because
he's a pretty good dog. 99% of the time but the 1% is like people can get hurt. Or he

(07:27):
can get hurt. I mean or he can get hurt. Poor baby. And the way the reason why I say people
can get hurt because if people get hurt then I have to put my dog down. We don't want that.
If he gets hurt then I just have to take him to the vet and have it to where I can bring

(07:47):
him home so it's the lesser of the two. He's just a big baby. He just wants to have fun.
He just loves everyone. He loves everyone and but he's so big that people would take
it wrong and be scared and so yeah so we're doing this and yeah we're trying to convince

(08:09):
ourselves that it's a good thing. If you can't tell I'm like so we're doing this and everybody
please be okay with it. We don't want to. But yeah we have to teach him. Like we have
a little gate that we're gonna put up at the front door so he stops jumping on people when
they walk in. He wasn't doing it to you as much but then we started doing more distance

(08:36):
because you do have to drive a long time up here so. When he wasn't seeing me weekly it's
like oh wait I haven't seen you. Oh I'm so excited to see you. Oh I love your face. You're
like don't knock her down. So it'll be nice to have that in the front area so people can
actually walk into our house without being jumped on for a minute. We can actually open

(08:59):
the door without people like having to fear for their lives of dogs running out on them.
I don't fear. I don't fear for my life. I just know that I'm gonna get slobbered on.
It's more like people that haven't been to our house. Most most people know our dogs
are super. Yeah. They just get so excited when people friends come. Just friends. Let's

(09:24):
listen to some musings. Quotes, poems, short stories, inspirational, uplifting news and
of course hippie dippy astrology. Ontar musings you have a quote for us? Yeah and I coincidentally
did not choose this quote before. Well no I chose this quote before everything happened.

(09:44):
I was like you did. You wrote it down. No I chose this quote before everything happened.
That's just a coincidence. But it's good. It is by Anna Claudia Antunes. Is that how you
say it? And it's very very short. Very very short. Well that's okay because it's impacting.

(10:13):
Okay sometimes the shortest ones are the best. And Anna is a author of short stories and
poems. And it says life keeps throwing me stones and I keep finding the diamonds. I
like that. Simple, sweet, impactful, powerful. Well but that's you know the nerd in me comes

(10:45):
out every once in a while. But the nerd in me is like well that's how you get a diamond
is you take all these you know minerals and you put extreme pressure and heat on them
and that's how they turn into this beautiful gem that we put on so much work. Fun little

(11:06):
correlation there. Yeah. I like it. So what have you got for us? You mean in the hippie
dippy world? The hippie dippy world. You owe me. Well I don't want any pop so you don't
owe me that. I owe you a tea. Yeah I'll take it. Actually I have a new tea that we have

(11:29):
to try sometime. It's like honey chamomile and then it has something else in it. But
it sounded really good. I was like thank you. I wish I had that right now. I'll send it
to you. We'll have that next time. Yes. Yes I like that. Alright so I wanted to talk about

(11:50):
we are entering in spring. I know it doesn't feel like it because you woke up with snow
on your ground. And I have been having a storm up here for the last day and a half so. Wind
storm and we had a lightning storm and a little bit of thunder while you were having snow.
Spring will eventually come. It's just you know it's fine. This is the prep. It's prepping.

(12:15):
You know it's fine. So I want to talk about dandelions. Okay. Because while they're popping
up everywhere and I think they have a bad rap in today's world of garden. Like I think
more people are understanding that there's actually good things about them. But it's

(12:38):
considered a weed. And my definition of a weed is a plant that is growing in a space
that you don't want to grow. Because the plant isn't good or bad. It's doing its job. It's
doing what it's supposed to do. That's just the hippie in me coming out. So yeah. It is
a perennial herb. It is part of the Teraxacum genus. And it's the family. It's in the same

(13:09):
family as daisies and sunflowers. Because it's Ester Astea I think is how you pronounce
it. I really got to improve my Latin here. The young leaves can be used in salads. Which
last year I tried it out. It was pretty good. I remember that. I remember thinking you're

(13:31):
absolutely insane. I know she was like your bunker balls. And I was like, yep. I'm embracing
my new path here. It was actually pretty good. I'll take your word for it. I don't know that
I would blend it up in my green smoothie. But that's because I'm really used to the
baby spinach. But I thought it was tasty. It's a good different mix to it. Definitely

(13:57):
make sure you soak it in vinegar before you eat it. Because ants really love dandelion.
For me, extra protein. No, we don't want extra protein. That's gross. That is gross. But
pretty much you can eat all of it if you want to. Every part of it you can eat. Which is

(14:21):
not as common for some plants. Some plants you're only eating parts of it. Or you're
having to boil it. You don't have to boil it. Which is nice. The roots can be used to
make a coffee-like beverage. Which I have known this for a while because I found a dandelion

(14:44):
tea that I sometimes when I need a little bit of a kick and I can't have coffee. Because
sometimes I can have coffee and sometimes I can't. I've done that. It's not super yummy.
But neither is coffee. You have to add stuff to it. Last year I made a vinegar with it.

(15:07):
It's really good on salads. Really good on salads. You just cut off the little flower
part and throw it in there and let it sit for five to six weeks. And then it absorbs
into the vinegar and you have this. It's really cool. You guys should try it out and it has

(15:27):
really good taste. It is native to North America. Let me read that. No, no. I'm so sorry. It
is not native to North America. I will read this better. Natives to North America. There

(15:48):
we go. Boiled them in water to treat for kidney issues, swelling and heartburn. There's of
course other benefits to that. But you'll have to wait for our blog post to come out
or you can go down the rabbit hole yourself and find out about dandelion. But yeah. Kids
use it as like this popped in my head. Dandelion crowns and necklaces. I remember doing that.

(16:19):
Daisies and dandelion crowns. I remember doing those. And you put some cloves in it because
we had the red cloves growing where I grew up and you would put little dots of it because
that was your gemstone. I love it. Who knew? Spring and that's what I think about. I learned
so many new things about plants and herbs and all that in our hippie dippy moments.

(16:44):
Well, it's nice for me because I've always like, I want to learn more about this. But
then I'm like, well, I really don't have time to like research it. And this gives me an
excuse to research it. I have to have time to research it. This is the must. I love it.
So it's good for me. My inspiring news is more in beat with Earth Day that's coming

(17:14):
up, which is the same day as Lorenzo's birthday. It makes it easy because I can't remember.
So in honor of Earth Day, I wanted to go over some things that we probably all know, but
we don't think about it on a daily basis. And that is some ways to help our earth and

(17:38):
recycle not just for paper, you can recycle your cans, your soda bottles. You can use
the soda bottles in your garden. You can make like water features with your cans. You can
do stuff there. You can recycle your cardboard, you can recycle glass, you can break up your

(18:00):
glass and make like cool pave stones in your garden. Since we're talking about spring.
There's all sorts of fun things that you can do. And you can take them. Just if your area
doesn't offer the can that you can put on the curb, there is a recycle center somewhere

(18:20):
closer to you than you probably think. And you can take it there. So that is one. And
that helps because we're not putting it in our landfills to take forever to decompose
and deconstruct. And some things don't deconstruct like plastic. We understand that. Batteries

(18:43):
can be taken to battery disposal facilities. That's one that I've never really thought
about. But now that we are doing more things at the theater on the technical side, I was
like, yeah, we should be recycling. Like somebody brought it up and I was like, we should be
recycling these batteries. You're 100% correct. Because we think, oh, one or two batteries

(19:06):
in the garbage can isn't a big thing. But it is because it has lithium and other stuff
in it that I think it's lithium, isn't it? Yeah, there are lithium batteries. Yes. Yeah.
So there's things in there that we probably shouldn't be putting in our landfills and
in our soil, which the nerd in me who reads books about what our soil should be made up

(19:28):
of for planting XYZ. It's like, oh, full circle. So that's easy to find too. You just type
it in. I know Home Depot does it. But there's a plethora of places that you can take. Just
take your batteries, throw it in the thing. You don't even have to talk to anyone. Throw

(19:49):
it in there. Grocery bags that aren't being used as dog bags because they can be taken
back to the store. Or you can buy the bags that you can reuse. So again, just type in.

(20:10):
And it'll tell you if the Walmart, the Smiths, or wherever grocery stores that you have,
if they'll retake them in. Or just reuse them. Just say, here's my bags. Put them in there.
That's the option. And upgrading items from disposable to cleanable over time using is

(20:35):
also helpful. So finding using a glass bowl instead of a plastic, Tupperware, those kind
of ideas. So I know these are things that are small. And I know these are things that
some people know and some people don't know. And it's just, as the phrase goes, the tip

(21:00):
of an iceberg. Because there's so many other things that we can be doing to help our beautiful
green and blue home. But this is just some small things that we can do on a daily, weekly
basis that don't take a huge amount of time and helps our planet out a little. I love

(21:25):
that. To inspire us all because I'm not perfect at this either. I definitely am not. That's
awesome. Thanks for sharing. Yeah, you're welcome. So AJ, do you know what we're doing
today? It's such an exciting day. It's been a long time coming. Well, not super long time,

(21:48):
but it's been like something we've been working towards. It's what you've been waiting for.
The main event, the main topic. Hey, we had a goal talking about goals, right? We've been
talking about goals here and there. We had a goal of having an interview on our podcast
at least before six months or at six months mark. And we're at five months, right? Yes,

(22:13):
I believe so. Yeah. Let's count it out. Just counting on our fingers. Yeah. We're in between
five and six months. And today we have the absolute honor to have our very first guest

(22:36):
interview on our podcast. What's her name? What's her name? What's her name? We are so
pleased to introduce Sherry Rash. Yes, and Sherry Rash is a financial advisor and founder
of Greenway Wealth Advisory, which works to break down financial challenges and questions

(22:57):
facing today's families in a no nonsense way. I would also add that she adds, it's personable.
It's not like a stuffy structure. Definitely. Yes. Sherry shares insights she has learned
about personal finance through the years and shows you and shows you ways to enhance your

(23:23):
life, financial plans and family's future to ensure your money sheet. Sherry has over
17 years of experience working in the financial service industry. She is the author of Insider
Secrets About Women and Money. She also has a podcast and she writes articles in one of
her local papers. And we even though it's just so excited. So let's dive right in. Let's

(23:53):
dive in. Oh, hey. So let's just jump right into it, shall we? Yep. We're diving right
in with Sherry. Do it. Yeah. So I have a question. You said that you were going to school for

(24:20):
journalism prior to finances. And what about that number of world drew you in? Yeah. So
when I originally started school, I wanted to be a news anchor. So I wanted to be purely
a news reader. It's more apparent today than ever. But even back in college, I realized,

(24:41):
well, you kind of people kind of put their own opinions in when they're reporting the
news. And I just wanted to be a news reader. And I think that came from when I was studying
abroad. There were news readers. It wasn't opinions being put into journalism. And as
I was going through school, I kind of realized that that didn't exist as much as I hoped

(25:02):
it did or thought it did in America. So I quickly as I, you know, and in journalism
school, we're writing articles and we're doing all kinds of stuff that's more than just news
reading. So I was writing articles and being the perfectionist that I am, I'd get back
a B on my I remember this very clearly. She was a brand new professor. She wrote for the

(25:27):
Philadelphia Inquirer and I got a B on my article. And I said, Okay, I got a B. What
do I need to do to make this better? How can I make this an A? And she kind of was just
like, you can't. It's a B. And like, right. But it can be so it can be better. It can
be better. So what can I do to make it better? And she's just like, you can and there was

(25:48):
just a lot of circumstances, a lot of things a lot of events happened like that, where
I wasn't getting the answers I was looking for. I wasn't it wasn't as much more gray
than it was black and white. And I spoke with my parents about it. And they're like, yeah,
duh, like you are a black and white person. So that's why you're kind of struggling right

(26:09):
now with this. So I ended up making the jump to business school because that just seemed
logical. And the business school that I went to, my college had a very strong business
school in addition to communication. So it just seemed like a logical transition that
I would just move over to the business school. So that's, that's really why I made the jump.

(26:30):
I like to say it, there was more thought to it than that. But but that was it. It just
my brain worked better in a black and white numbers world than the gray.
Yeah, and you still get to use your because you write for a paper, well, not paper. It's
a paper but digitally. Now so you get to use, you know, the things that you've learned from

(26:56):
that first adventure into your black and white world.
Absolutely. Yeah, it is. It's it's being from podcasts and interviews and blog writing and
all. I get to have those skills. So now I do feel like I'm taking a lot of my past life
and bringing it into my current life. Absolutely.
Get the best of both worlds.

(27:17):
Yeah, yeah.
Well, it's I think it's kind of a reminder that any step we take is a building block,
even if we don't see it in our like foreseeable future, we'll always have those skills and
that experience to draw. And I think that's important. So we were reading your book, and

(27:40):
it kind of threw us in a state of alarm a little bit in terms of, oh, we have to have
a three month emergency fund and the savings fund.
What are the best steps for like foundational steps for those who are navigating the world
of finance? Not on a professional everyday basis.

(28:03):
Yeah, so I'm sorry that it threw you into alarm. That certainly is not the intention.
Okay, good. Well, that that part's good. Because I definitely work and write and everything
I do is with the intention of education and speaking, you know, with from the the intention

(28:29):
of information and it's okay where no matter where you are, it's okay. And here's the information
and then let's do what makes sense for you. Let's let's take the next steps that make
better best for you. So having an emergency fund is something I feel very passionately
about because if you don't have one, and something were to happen in emergency, for lack of a

(28:54):
better word, there's really, you don't have much choice besides bringing on debt to answer
it. So when I work with my clients, I make it very clear that an emergency fund is an
emergency fund. Oftentimes, you'll hear slush fund, rainy day fund, and I hate all of that,
because that means that the money has emergency fund money has different purposes, and we're

(29:17):
not using it for that its purpose of being an emergency fund. So an emergency fund, and
a lot of fight most financial advice, you can Google, right, you can Google it, but
it gets overwhelming, or you can't, or it's not being translated back into a way that
makes sense for you or makes sense for your life. So talking about an emergency fund,

(29:39):
Google a thumb states three to six months, three to six months of expenses, you need
to have in an emergency fund. Now again, three or six, right? What four or five? What do
I do? What do I black and white? Right? Exactly. Exactly. So that's coming, you know, there's
and there's different factors. If you say, well, three, six, six months worth of expenses,

(30:05):
a lot of money, or it doesn't feel realistic, or I'm never going to achieve that. And that's
more of a demotivate you versus then let's work on three months first, right? Let's get
to three months. Or if you are in a dual income household, and the likelihood of both of you

(30:25):
being out of work at the same time is nil, then okay, or, or our expenses aren't so great
that we can live off of one income, then okay, let's lean more towards three months, right?
So it's again, taking the information and molding it to what best fits your life.
Gotcha. Would it be good to do like a three month emergency fund and then switch over

(30:51):
and do your savings? And is there a certain like point that you should go before you go
into like maybe debt payoff? Right. So I like and there's never a perfect answer when it
comes to should I save or should I pay down my debt, right? It's great. You can come up
with so many different scenarios. So there's never a right answer. But I would say once

(31:15):
you have your emergency fund established, you have to essentially put it away with lock
and key. We forget it exists. Because the problem is, is if we are constantly accessing
our emergency fund, because our checking account is getting a little bit low or what have you,
that means it's not an emergency fund. Because if you're just using it to pay for regular

(31:36):
day to day living, that means there's not enough money in your checking account. So
you need to first make sure you have enough money in your checking account. So then we're
not dipping below the minimums or you know, going past zero and needing extra money. So
first things first is making sure you have enough money in your checking account that
you don't have to access your emergency fund. And then once you have your emergency fund,

(32:01):
once you have your checking account to a place where it should be, and it's maintaining a
good balance, and we feel confident and it feels we're not opening up our app and our
stomach is hurting every time we open up our banking app, then we focus on the emergency
fund. And I would say get focus on getting your emergency fund to that three months.

(32:23):
And then lock and key, we put it away. And we act as if it doesn't exist. One time a
client said, Oh, it's like the break glass in case of emergency. Like that's Yeah, exactly.
We're not you see those boxes and it's like, it's kind of scary. It's like, I'm not even
touching that thing, right? Because you have to use the little hammer to break the glass

(32:44):
in order to access the fire extinguisher or whatever. Right? Yeah, break break glass in
case of emergency, but building that up and it, you know, building it up in a way that
that works best for you. But if you have debt, if you think about if you have credit card
debt, right, or student loan debt, or what have you, and you don't have an emergency

(33:08):
fund, if something were to happen, and you have to bring on more debt, in order to address
that emergency, whether it's my HVAC went out, I need new tires for my car, whatever
it is, right, everyone has different emergencies. If you have to bring on more debt, in order

(33:29):
to answer that, then you're actually doing yourself a disservice by focusing on paying
off your debt first. Because the goal is if you're focusing on paying off your debt, you
don't want to have to incur debt. While pay, it's like, you know, three steps back. Exactly.
Exactly. Yep. That is, that is something that I hate admitting. But that is something I

(33:53):
definitely struggle with right now, you know, trying to get up the savings, pay down debt.
And it's a never ending cycle, it feels like you just got to get out of that cycle. It
certainly can be a, I feel like a never ending cycle. So then that's, that's when I when
I work with my clients, I, you know, we, we start at these very basic things, because

(34:16):
how can we talk about high level financial concepts, if you feel like you're just in
the hamster wheel, right, so we need to get you out of the hamster wheel first. And it's
looking at things as simple as money in versus money out. If there's more going out than
coming in, we need to fix that first. Baby steps, breaking even. Yeah. The first let's

(34:40):
break even. And then once we're breaking even, okay, great. Now let's work on spending less
than what's coming in. Okay, great. Now what are we going to now that we have a little
bit of a difference, let's stick that difference if we need to build up some savings, so we
don't have to incur more debt if an emergency or something bad were to happen, we stick

(35:02):
that saving somewhere that just that little bit. Okay. Now can we get that little bit
just a little bit bigger? Okay, great. Now, so it's it's little wins, making big making
financial changes in your life is never going to be the result of something big happening.
It's always these little micro actions that you're going to take here and there. Exactly.

(35:25):
Yeah. So from what I'm gathering, it's, it's good to have maybe multiple accounts, so that
you don't like you have your basic, this is where I pay my bills from, and then you have
maybe an out of sight out of mind account for your emergency fund. So you're not seeing
it all the time. And then maybe the same thing for your savings kind of thing. Is that what

(35:49):
you're saying? Yeah. Yeah. So there is a trap of having too many bank accounts. So I'll
sometimes we'll come, I'll have clients come to me and they'll have like three different
checking accounts, and they're all at different minimums, or they're you're, you're moving
money from one to the other, because this bill comes out of that. We don't want to have

(36:10):
so many that it creates complications or unnecessary stress. But if it's, it's understanding your
money personality, if your money personality is one that if you see, there's dollars in
an account, like when you again, when you log on to your app, if you see there's dollars
on the account, and you feel like you might spend it or may use it, then yeah, you might

(36:32):
have to move it to like an online savings account that you have to physically log into
to keep it truly out of sight out of mind. But once you hit that emergency fund, that's
where you that we you then can focus on different things. If you want to create a rainy day
fund, a vacation fund a make improvements to my house, or then start paying down debts.

(36:58):
That's when you you're already used to the savings, you're already used to living without
that money that you were sending to your emergency fund. So now that gives you the freedom to
go, Okay, now what now what am I going to do with this? Am I, I could save it for a
vacation, I could save it to fix up something in my house, or I can save it to I or I can

(37:19):
point it to paying down debt. It's a good practice. It's a good practice session to
get into that habit of setting it aside. Yes, absolutely. Yeah. So kind of going along with
that, why do you think there are different debt tackling approaches like the paying off

(37:40):
your debt first versus, you know, the rainy day fund and then tackle your debt? Why? Why
are there different recommendations, depending on you know, type of financial advisor that
you ask? And to go along with that? confusing. Yeah, to go along with that with because we
were talking about this before we were like, we have some people saying to save and then

(38:04):
we have some people saying to invest. And that's the best way to start and it's like,
so many messages. It gets so overwhelming and confusing. And then just, it is right
and it is and you're correct. You can meet five different financial advisors and they're

(38:25):
all going to have different credentials, operate their firms differently, the way they work
with their clients are going to be different, give different advice. So you're going to
have a different experience depending on who you're talking to. And that's not to say everyone's

(38:46):
wrong. It's just everyone's different. So there is no right or wrong answer when it
comes to it. I mean, yeah, getting out of debt is really good and saving money is really
good, right? So but which one are we going to do first? So I think it's important if
you're getting financial advice to stick with it coming from one source. So then that way

(39:07):
the story is consistent. So I have a blog that I wrote about working with more than
one financial advisor. And pretty much why you shouldn't is because you can get conflicting
advice. We both could be right. You know, we both could say that we have say the and
be correct in what we are saying. But it could be different. It could just be different.

(39:30):
There just there there's many truths when it comes to financial advice. So finding one
person that works that speaks a way that you want that you understand that you resonate
with that you like, and just going with them. Instead of, you know, more more is better,
not necessarily more financial advisors or more financial advice isn't necessarily better.

(39:53):
It's whatever works best for you. And just go with it. So essentially, it's it's like
saying this is the type of house that I want. And I'm going to follow your blueprints to
get it with laying the foundation the way that you're suggesting so that it looks the
same way. Yeah, yeah, sure. That's that's great. Right. So because if you if you like,

(40:13):
you know, modern farmhouse, you're going to one part of it can't be modern farmhouse
and the other be mid century modern and you want you want to just stick with the one designer
or builder that builds what you like. And that's it. You're not going to consult with
other builders when they're building your house. You trusted the person you chose and
they have a design that you like. Very cool. Talking about an article that you wrote, and

(40:40):
we were talking about different personalities, how they engage with relationships, you were
talking about, I think, one of your kids did a color personality trait thing. And then
you were saying how you found a correlation with what color and what relationship they

(41:02):
had with their finances, how it interacted. Can you elaborate that a little bit? Yeah,
so I was part of a Mops group, mom, a preschoolers group. And one of the speakers was identifying
your kids personality based on colors. So it's like red, yellow, green, blue. And you
would answer questions based on how they acted. And that would generally point you in a direction

(41:26):
of they're a yellow. And yellows have these characteristics. Blues have these characteristics.
So the way you speak to a yellow to have them clean their room isn't the same way you speak
to a blue to have them clean your room. Because I have four kids, they're all very different.
I could say the same thing to all of them. And they're all going to react differently

(41:48):
because they have different personalities. So you have to kind of and then also identify
what you are and say, Oh, right. This kid thinks similarly as me. And so we can kind
of speak the same language, but this kid is completely different. And so it's altering
the way you speak to get them to understand it based on their color. And I said, money

(42:08):
is the same way we all have a money personality. But we don't take classes to identify it,
right? We take classes for literally anything else but except for for money. But we so identifying
the way your kid thinks about money and the way you think about money or react towards

(42:28):
money can really help your relationship with money throughout your and their entire life.
So because I constantly think about money and talk about money, that's obviously more
on my radar is is the money part of it. So my daughter, that's a blue is very conservative

(42:50):
when it comes to her money. And she's been that way since day one. I noticed it, I identified
it. And, you know, she doesn't want to spend money. And I have I had to teach her some
things of, you know, buy right or buy it twice, kind of, you know, if you keep buying the
cheap thing over and over, you're probably going to have to replace it. And you're going

(43:11):
to end up spending more money in the long run to just maybe see investing a little bit.
Yes. So, so identifying the way your your child handles money can help them in the future.
Like my oldest, she's very frugal, and she's probably not going to have money issues likely,
right? She's probably feels bad when she spends money. My middle daughter, however, does not

(43:35):
feel bad when she spends money. She enjoys it very much. And if she is $10, she's spending
$9.99. You know, so I'm going to have to instill some lessons in her and teach, you know, spending
strategies and save and all of that. But just by if you pay attention, you can quickly identify
like, oh, which way do they lean as far as their money mentality goes?

(44:01):
You were so we were talking about maybe why why it is I'm thinking of a best way of answer
or asking this question. Why do you think we don't teach our children as much about
finances in our schools and at home?

(44:25):
I think it one I mean, we're just brought up to think that money is taboo. Talking about
money is taboo. We don't talk about money. And it's talking about money and talking about
money is a lot is different, right? We can talk about, oh, I went to the grocery store

(44:47):
and things are so expensive. I just spent $200 on what used to cost me 100 at the grocery.
But that's not talking, you know, it's life. Everyone is impacted by it. Where I think
people talk think talking about money is taboo is going, here's how much is in my checking
account and in my how much money I make each year. Those are two very different things.

(45:10):
But we've kind of lumped money into all of that. So we're kind of ingrained that we don't
talk about money. So if you don't talk about it, how are we going to learn about it? How
are we going to get educated? You know, I would say our generation is much more open
with feelings and all right, we're much more in tune to how we feel and go into therapists

(45:32):
and and all of this stuff. And that's awesome. That's great. Because we're talking about
it. How can you get better at something if you don't talk about or how can you become
more educated in something if you don't break down? Right, exactly. And I think schools,
you know, when I learned about money in school, it was how to write a check. You know, I mean,

(45:52):
that's right. And that was and that was pretty much the extent of that. I don't think we
still teach that. I don't even fill out checks anymore. Right. I mean, right. Exactly. So
talk about antiquated information, if they be even be teaching that now. My set my 13
year old is who's in seventh grade does have and I kind of forced her to have does have

(46:15):
financial literacy in her fourth quarter. So I'll be curious to see what they talk about
in that. But it's still not going to be enough. Right. It's it's and so I think it's we don't
talk about it. And then if someone were to teach it, who's teaching it? And then how
do they have certifications to teach it? So it's I think it's kind of it's a whole thing.

(46:39):
And then also whose job is it to teach our kids about money and the teachers or parents,
really? I mean, I think I'd rather have my I'd rather teach my kid about money. So and
we can learn together in real life examples, because every time we're together with when
I'm with my children, likely I'm spending money, whether it's making a choice of going

(47:03):
through the drive thru or going to the store. No, we can't buy this right now. Or we'd like
to buy this when it's on sale versus full price or, you know, there's always an opportunity
to teach about money. And it's not again, this is how much money I make. And this is
how much is in my checking account. There's nothing personal about it. Right. I remember
when I was in college, and I met a girl, and she had no idea what credit was. And to me,

(47:30):
it was and I had a little bit of a different education. I was homeschooled. And so my my
parents did a very good job of finding money. But I still didn't, you know, fill out a check,
you know, how to do those things. But it was mind boggling to me that here was a 19 20
year old person who didn't understand credit work. Like, oh, and it was scary. It was a

(47:56):
little scary. And she she literally said, Oh, that's okay, I'll just get married. That's
literally what she said to me. Oh, my dad pays all my bills, and then I'll get married.
Yeah. Okay. Do you find that we as women are moving away from that? Or do we still have

(48:20):
a lot of women who are like, well, my husband will take care of it or my dad took care of
it until now? Or is that still a common thing? I would say I think it's more split. I mean,
in your friends defense and I mean, I my college, they if you signed up for a credit card, you
got two free t shirts. So you're like, Yeah, I want to these t shirts. So we'd get all

(48:50):
these dumb t shirts and we'd have credit card and it was like, how awful like that's financially
abusive, like, and no, we're not taught then what to do with those credit cards. So I had
friends that took out loans in college didn't need them to pay for their education use them
to buy clothes, like and so graduated with all these student loans, but it wasn't for

(49:13):
education that and that's frightening. Like that is frightening. I mean, in women's defense,
in the 70s, like it's not that long ago that women weren't even able to have their own
credit card, have their own bank account buy a house without a male co signer. So I mean,

(49:34):
that was within our parents generation. So it it's it kind of it all if you kind of look
at it through a lens like that, it does kind of make sense why one women aren't as comfortable
making financial decisions where they say, you know, my dad told me because yeah, their
dad had to probably co sign with on someone's loan or what have you. So if you come at it

(49:59):
from a mentality of that, it's like, wow, that one that's sad, like, that's really terrible
that a successful woman couldn't even have our own bank account. Like, that's awful.
But then, oh, well, we've come a long way. We you know, women have in a very short amount
of time. But I would say definitely, to your question, AJ, it definitely I think, is like

(50:23):
half and half, half and half, I would say it depends on the household, it depends on
how a household structured, you know, kind of what the agreement between the partners
are of roles and responsibilities and stuff like that. But yeah, I mean, I've I've been
in front of groups and talk to women and some are like, I have no idea my husband handles

(50:43):
all that. And okay, that's fine. But if something were to happen to him, how screwed are you?
You know, like, do you even know where things are? Or do you even know what you're signing
when things are being signed? So having you need to have some type of you don't need to

(51:03):
know how the SMP performs. There's a difference between knowing how the SMP performs every
day and then just knowing where your where your husband's retirement counts are if or
where his life insurance is something were to happen, you know, it doesn't have to be
all but it shouldn't be nothing either. There's a continuum to what your comfort level is.

(51:24):
So basically, you should know at least the basic of where your money is in terms of living.
Even if it's not something that you're interested in knowing all the time, like just at least
the basics, the basics and that's really for your protection for your free for you. Women

(51:49):
generally I mean, there's a 96% chance as a woman, you're going to handle your be the
sole decision maker for your household's finances. Do you do death or divorce or never getting
married? So 96 out of 100 women are going to be the sole decision maker. So with that
knowledge alone, do we really want to always have our heads in the sand about it or not

(52:12):
take an active role in managing it because the odds are very likely you will be making
that decision. But having a basic understanding of where things are, what they are, also doing,
you know, most women handle the day to day finances of their house, like the spending,

(52:33):
the bill pay stuff like that, but they don't handle the big stuff. And the big stuff is
that, you know, that that's where there should be a little bit more ideally participation
education. But I think it comes down to finding the person that can speak to you that you
like in a way that makes sense for you. So I think there's a there's a disconnect of

(52:56):
well, you might I get it's not the most fun thing to talk about. It's not that sexy. But
if you can speak to someone that can at least make it somewhat palatable and enjoyable for
you, I think that's the missing the missing link for most women. And that you don't feel
guilty about it. Yeah. Yeah. Is there? I mean, I'm sorry, I to that point, there, there really

(53:21):
shouldn't. It's it's hard, it's easier said than done. But removing all the emotion from
money, like we as humans attach our own emotions to money. And it's likely because of the way
we were raised, if you think of your first money memory, that influences your relationship
with money. So but removing it because money is neutral, where we assign our own feelings

(53:47):
to it, I feel guilty, I feel mad, it makes me upset, I don't have enough, there's never
you know, some feel guilty for having too much. I mean, there's a whole there's so many
emotions to it. So just removing those is really important as well.
There was a line in your book, insider secret about women and money that says, and I wrote

(54:09):
it down, because I loved it so much. Don't let short term emotions affect a long term
plan. I loved it so much. Thank you. emotions get the better of me all the time. And it
really messes up my plans. In the long run. Yeah, it's the short term times when you're

(54:30):
like, when you are in your I call it a toilet bowl of depression and anxiety and everything
that you're like, I can just do this and this and this instead of we have to kind of turn
it off and say, Okay, I'm gonna take a break and then come back to this.
Yeah, absolutely. Absolutely. That. And that's what I really try to do with my clients is

(54:54):
to be their neutral third party. I don't have an emotional stake in this. To me, it's numbers
and situations when we're talking. And but you are oftentimes when it's about anything,
when you're talking with your partner to a neutral third party, the emotion, you might
have emotions at first, but then it starts to go away. And we're just presenting facts.

(55:14):
So if you so it's really, you know, financial therapy of talking through situations, and
what makes the most sense and what's logical, and can we both agree to this and understanding
and, and all of that is, is really what I strive to do with my clients is to push aside
the emotion. I you know, it's important, it's it matters to me, because it matters to you.

(55:37):
But that being upset about it isn't going to help us achieve bigger goals, bigger and
better things. Yeah. Do you think is that the number one mistake that women make in
finances is not removing the emotion or what, or what is the number one mistake that we

(56:00):
make? I think it's hard to say because everyone's so different. We're all so different, right?
A mistake I make could be different than a mistake you both make, right? So I would say
but being aware of maybe the pitfalls, or mistakes, others make and go, Okay, can this
apply to me? I think, you know, not being not being aware, you know, I, I try not to,

(56:25):
but I bring everything back to reality television. And if you watch Bravo, if you watch because
that's real life. If you watch Bravo, my, you know, ladies have made quite a few mistakes
when it comes to money, you know, with with with lack of decision making or signing things

(56:46):
they shouldn't be signing. It and so we're not being involved in their finances or sticking
their head under in the sand. So what are the mistakes? And do I do I make those? And
how can I reduce? No one's perfect, right? We're not we're never going to be but how
can I kind of be aware and slightly reduce in a way that makes me feel good? It protects

(57:11):
me I'm setting myself up and my family up and it's what makes sense for my family as
well.
So it sounds to me that a financial advisor is a good investment because they don't just
educate. They also help you in terms of like what a doctor would do getting at maybe the

(57:35):
causes of why you're doing things and how to overcome them and put you on a treatment,
so to speak, plan because they both come from the healthcare world. We're going to go here.
Yeah, yeah. You know, they can set you up in the black and white. This is what you need
to do to overcome XYZ. And so that's why you invest in as opposed to trying to do it.

(58:01):
Right. Yeah, yeah, absolutely. I mean, good. Well, one, if you think, so I often get asked
what, when should I work with a financial advisor, when's the right time and the question
is, if you have money questions, if you find yourself googling stuff, you probably should
get an advisor. You find yourself googling financial advising questions or money management,

(58:23):
you should probably find an advisor. However, like I said, wait, in the beginning, not every
advisor is equal. So you could talk to five different advisors and five different experiences.
There are some advisors that it is not in their services provided that they're going
to talk to you about your checking account, the savings account, or understand your personality
or even desire to understand your money personality. So you need to find one that works for you

(58:46):
is going to give you what you need. Because we're all not created equal, but we all can
use the name financial advisor. So finding one that operates as a fiduciary is big fiduciary
meaning acting in your best interest. So not motivate not selling products in order to

(59:09):
receive compensation. It's a fee for service, just like you go to the doctor, you pay your
copay, they take your vitals, cut out the red wine and red meat, see you in six months.
A financial advisor, a fiduciary operates in the same way you pay your fee, they give
you advice, they look at your vitals, you look at your financial vitals, give advice,
okay, let's get back together and review. Same thinking. So whether you're healthy or

(59:35):
not, you're paying the same copay to your doctor. So whether you're financially healthy
or not or have things to work on, your financial advisors compensation, it works out the same
way. So we just don't we don't want someone that just kind of shoving investments down
our throat, right? We want someone that's actually going to be holistic and talk to

(59:58):
us about everything when it comes to our money, not just, well, you need to roll over your
401k into an IRA and I'll talk to you in a year. That's not enough. That's not advice.
We need the why we need the why. Yeah, everything else too. Yes. Yeah, I was struggling with
that when I was reading it in the book, inside our secret. Because we're talking about assembling

(01:00:21):
the financial team and you're paying money to save money, but I don't have that extra
money. Why would I do that? And so but that makes sense because you're in the long run,
you're doing it to help you get financially on your feet and save money in the long run.
You have to think long term here. You do I mean, and but even when I'm working with my

(01:00:43):
clients, I've had clients that just by Okay, let's look at your past three months of expenses.
And I had one client, I mean, this is an anomaly. But I had one client that pays for a wine
club that cost them $1,200 a year that they forgot they were doing and never got their
wine. They were still getting charged, never got their wine. Just by by getting rid of

(01:01:07):
that. It's like, well, we're, we're pretty we're paying you just paid for yourself. Like,
right. Like, so and that was pretty painless. And we did that in five minutes. So first
off, I want my wine. This is necessary. Get that wine. Exactly. Yes. Stop paying for it.
Exactly. Yes. So it comes down to kind of like, why do we pay for anything? We there's

(01:01:35):
a lot of things we can just do for ourselves. Why pay for it because it adds value to our
lives in one way or another. Some things are tangible, some things are not. I mean, if
we talk about having, you know, paying to have our house cleaned or our grass cut or
our children watched, right, I can watch my children, but that means I can't do 15 other
things while I'm watching my children. So so there's it's a cost benefit. And oftentimes,

(01:02:02):
we are outsourcing things we either don't have the time to do the desire to do or the
capability to do. And if we're not taught how to manage our money, how can we know how
to do it? So let's use the person that is educated in doing it to do it for us because
odds are they're going to save us money in the long run or help us generate wealth for

(01:02:26):
the long term. That makes sense. Kind of going back to our kids and, you know, deciding if
it should be something that we teach in school or at home. What are maybe the top three things

(01:02:47):
we should start teaching our youth in our homes? I think what we should teach them is
one, allowing them to make decisions, empowering them to make decisions. So if you, you know,
you can start that off with allowance. If you give your kid an allowance, one, there's

(01:03:08):
so many different ways to handle allowance, which I wrote a blog post about that for Charleston
moms blog of how to do allowance. Every family is different, right? Because it's based on
what the parents are comfortable with. So you just pay your kid set amount of dollars
a week and then it's expected that they help out in the household or do you pay them per

(01:03:30):
chore or do you pay them whenever they need money, you give it to them. There's so many
different schools of thought. But if you give your kid allowance, it then allows them or
money, they get money for their birthday, whatever. Talk it out. Okay, we're in the
store. I even do this with my four year old. My four year old gets money for got, you know,

(01:03:52):
got 20 bucks for her birthday or whatever. I want this Barbie. Okay. Do you want to use
your money for the Barbie? You have $20. Do you want to use your money for the Barbie?
Well, you know, no, I want to use your money. Okay, well, my money is not available for
you to use right now for this Barbie, but you can buy it with your money if you really
want it. So in allowing them to make decisions, you have a lemonade stand, they make they

(01:04:15):
make a bunch of money doing that. Okay, what are we going to do with it? One, everyone
that worked should get the fair share, you know, an equal share of the money. So then
we have to teach well, they worked, I worked harder than they did. And it is what it is.
You all worked on the lemonade stands who divvy up the money that you earned for that.
What are we going to do for it? Are we going to go and blow it on an ice cream cone right

(01:04:36):
away? Are we going to are we going to put it in our piggy bank? Are we going to put
it in our bank account and let them make decisions with that? Do you want to you know, our schools
are constantly having fundraisers, whether the money goes back to the school, the American
Heart Association. So it could also be if your kid gets a regular allowance, hey, mom,
I really want you to donate to the Heart Association. So I get this key chain. Great. Okay. Why

(01:05:00):
don't you? Let's take part of your money and like, let's give it back and you can give
back to the you know, give back to others. It feels really good. And then you get your
key chain. And so allowing them to make decisions helps to empower them. And they're not going
to mess anything up. You know, they're not going to make a major decision that they can
mess up whether they get the Barbie or not or get, you know, donate or not. So I think

(01:05:24):
empowering your kid to make decisions and talking it out with them is so beneficial.
So that's what I would say is the big thing with kids is, you know, teaching them to save,
spend, you can, it's okay to you don't want to ever make you feel bad for spending money.
We have we spend money everywhere we go. Every time we leave the house, we're likely spending

(01:05:44):
money. So it's okay to spend money, but let's have some guardrails around it. And let's
make decisions like instead of impulsive, we make decisions, we think about it, we talk
it out.
I think it would be cool to have them be involved. Yeah, yeah, I'm working on doing that with
my 13 year old. I think it would be cool to have another episode that's like just solely

(01:06:10):
focused on helping your kids learn. Yeah, there's so much. Yes, there's so much to talk
about. Yeah. Is there anything that you any one I know there's lots of advice, but is
there any one piece of advice that you would want to leave our listeners?

(01:06:34):
I would say if if you have questions, you're you could do the research and you could become
an expert as much as you physically mentally can become an expert on managing your own
money. But oftentimes, there's going to still be question marks. Am I doing the right thing?
Is this right? Should I have done this instead of that? And I would say fine. I think having

(01:06:58):
a team is important, a financial team you have you have doctors, right? You because
I'm not an expert by any means. So I have my doctor, I have my eye doctor, my chiropractor,
I have, you know, I have these experts to consult when it comes to my health. For some
reason, we don't think the same way when it comes to money, we feel like it's something
we should be doing ourselves, even though we have no training on it. So finding someone

(01:07:22):
you trust and I'm and you know, assembling a team sounds a whole lot more fancy or hard
work than it is if you if you do your taxes and you're like, I have no idea if I'm doing
this right. But you do them through TurboTax, it might be worth paying the couple extra
dollars to have the consultant that you can call right away. Like that could be your team.

(01:07:43):
You have someone that you call and you have questions and you trust the answers that they're
given. Or if it makes sense for you to actually have an accountant, do your taxes that you
can consult with throughout the year, ask your questions to having a financial advisor,
I think is really important one, as long as they're actually giving you advice, and it's
benefiting you and it's not just transactional, we want to be very aware of are they? Am I

(01:08:08):
is every if it's every solution to my problem buying a product, if it is, then something's
probably not right there. But having an advisor and I say, you know, you have to like your
advisor, you should go out and date a couple of advisors, interview them, because you'll
get a feeling right away, whether I like that person or not. And it is a personality thing.

(01:08:29):
And whenever something major happens in your life, your advisor is going to be one of the
first handfuls of calls, you change job, you lose your job, you have a baby, you are buying
a house, you are, it all revolves around money. And that your advisor should be guiding you

(01:08:49):
through that. So you have to like that person enough to go, I just lost my job. I feel awful.
This is an emotional, stressful, terrible time. I now have to call my advisor, like,
is that person like, am I going to dread this phone call, right, because I just can't stomach
them because I find them annoying or whatever, you know, so you have to like that person
to find people that that you like, find a resource that you like, because Google is

(01:09:13):
not going to help you there.
Although they'll give you like three things and then say, you should contact a financial
advisor. Just like they say, you should talk to your doctor.
Yeah, like WebMD everything is you're pretty much dying. Okay.
Go to the doctor.

(01:09:40):
Essentially finding a person that you can be vulnerable with and feel comfortable with
and shed your clothes of finance with.
It's just like when you like I said, when you find a doctor you trust your life with,
you're finding someone that you would trust your finances with.
Exactly.
And essentially your life too, because you like life finances, you know.

(01:10:05):
It all blends together.
Yep.
Yeah. Yeah, absolutely.
This is so eye opening for me. I learned so much.
Same. Same.
Thank you.
Well, we'll put this in the show notes too, but where can our listeners find you?
Absolutely. So you can find me at Money Chic Shari on Instagram, Money Chic with Shari on

(01:10:27):
Facebook. My website, you can learn more about me and my firm Greenway Wealth Advisory. If
you just go to greenwaywealthadvisory.com, you can learn about everything that I believe
in, the services that I offer, and how I work with my clients there.
And my blogs there, my podcast is called Money Chic, Financial Education with Shari Rash.

(01:10:49):
I have my book, Insider Secrets About Women and Money. So there's a whole laundry list
of ways you can kind of hear my thoughts and learn a little bit more.
We highly recommend going down that rabbit hole.
I was like, I've enjoyed the rabbit hole with Shari, so this is great.
Well, thank you so much. We're going to go ahead and conclude for today and hopefully

(01:11:15):
get to chat with you later.
Thank you so much for having me. I appreciate it.
Thank you so much.
It's a throwdown.
It's a challenge. We've got something for you.
So our challenge for this week, our challenge for growth.

(01:11:38):
I'm so excited. I like you. I'm super. I love our challenges because it gets us thinking
and at least planting the seed.
Yes.
If we don't do it right now, it's in our brains to think about it.
And I wanted to take what we've learned in chatting with Shari and want to invite our

(01:12:06):
listeners to start taking control of your future financially and look for one, at least
one thing that you could do better in your finances.
And it could be either educating yourself about something or it could be putting something

(01:12:31):
into practice that you've learned here today.
I know that that's what I'm going to be doing, taking what I've learned and putting it to
work.
I think also like mentally, like mentally starting to do it as well.

(01:12:52):
Yes. Wrapping your brain, wrapping your brain about it.
And it can be as simple as finding out what what's your why?
Why are you doing this?
Are you doing it just because you've been told you need to do it or are you doing it
because you want to get out from underneath that or because you want to build your savings

(01:13:18):
or because you want to have a better future?
What's your why?
Find your why and then identify one thing.
Make it personable because I find that if it's not personable, if it's not like for
you, yes, somebody could be telling you to do it, but if it's not for you, it's hard.

(01:13:39):
Yes, of course.
These challenges are are intended to be personable catered to you.
So you know, find your why and then try to identify at least one thing to better your
financial future.
I like it.

(01:14:00):
Thanks for extending that challenge.
We've heard enough about us.
Let's get a little bit from you.
Here's your Q&A and your polls.
Sip your tea.
Let's chat a while.
Do you have a question or a poll?
Well, I have a Q&A for everyone.

(01:14:24):
And that is what are some of your money successes?
You know, we talked about in the interview that sometimes we attach emotion and we don't
quite think of it as cool.
So what are some of the successes that you have had with your money?
We would love to pass them along with our community and we would love to hear from you.

(01:14:47):
I love success stories.
Me too.
And the next thing about success stories is then you know that it's awesome.
Oh, yeah.
So with that, we just want to say that we love you and we're so grateful for you and
have a blessed day.
Bye.
Ciao.
Thanks for hanging with AJ and A-Rae.

(01:15:10):
We hope we've brought a little fun, sass, and joy into your lives.
For more information about our episodes, us, and what we may be up to, please visit our
website at wanderingmusings.my.canva.site.
Just wanderingmusings.my.canva.site.

(01:15:35):
If you enjoyed this episode, please like and subscribe to us wherever you listen to your
podcasts.
Cheers to womanhood!
Ciao!
Thank you for your support of our podcast.

(01:16:07):
Original music composition written and performed by Gregory Anderson and used with permission
from Anderson Media.

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