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It’s Not Too Late: Rebuilding Financially After 50 · Rock My Finances

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  Speaker 1: Investment advisory and financial planning services are offered through Simplicity
• 0:03
  Speaker 1: Wealth LLC and SEC Registered Investment Advisor. SEC registration does
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  Speaker 1: not constitute nor endoorse of the firm known, does it
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  Speaker 1: indicate that the advisor has attained a particular level of
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  Speaker 1: skill nor ability. Investing involves risk of loss. Insurance, consulting
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  Speaker 1: and education services offered through Diamond Life Fanning is a
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  Speaker 1: separate and unaffiliated entity from Simplicity Wealth. This information is
• 0:26
  Speaker 1: provided as a general information as not intended to be
• 0:28
  Speaker 1: specific financial guidance. Before you make any decisions regarding your
• 0:32
  Speaker 1: personal financial situation, you should consult a financial or tax
• 0:35
  Speaker 1: professional to discuss your individual circumstances and objective.
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  Speaker 2: Welcome to the Rock My Finances show on k FORHD
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  Speaker 2: Radio and Talk for TV, where we put the fund
• 0:46
  Speaker 2: in finance joint powerhouse Jeffer Jos CDFA CMC and private
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  Speaker 2: Wealth Advisor as she collaborates with you to create clarity,
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  Speaker 2: control and compidence with your money, your way. It's not
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  Speaker 2: about the zeros, So what is it all about? Let's
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  Speaker 2: find out now Here's your host and weekly friend, Jennifer Jose.
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  Speaker 1: Welcome you all back to this wonderful podcast. It's so
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  Speaker 1: fun because we talked about money. Ah, love me some money,
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  Speaker 1: love it, love it, love it. Today is all about
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  Speaker 1: rebuilding financially after fifty years old, sixty years old. I
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  Speaker 1: mean it could be any age. Really, if you've just
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  Speaker 1: been taken out of the knees, or you feel like
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  Speaker 1: it's too late, whatever it is, you feel like you're
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  Speaker 1: just too far behind, this episode is for you. So
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  Speaker 1: women look at their finances and they quietly wonder that
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  Speaker 1: I missed my chance, right, like a lot of people
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  Speaker 1: talk about a big stock hit or whatever, tech tesla,
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  Speaker 1: all these great things, and did I miss my chance?
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  Speaker 1: Is it too late for me? How do I rebuild
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  Speaker 1: from here? A divorce, a trauma, or a loss of someone?
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  Speaker 1: And maybe no one even knows you're carrying these thoughts
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  Speaker 1: because on the outside you make it look very strong,
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  Speaker 1: very capable, very successful and holding it all together, but
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  Speaker 1: internally you're feeling very overwhelmed, discouraged, and maybe even slightly
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  Speaker 1: scared about your future. Right, maybe life did not go
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  Speaker 1: according to plan. Okay, that's the biggest statement in the world. Right. Maybe,
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  Speaker 1: of course, life doesn't go according to plan. So divorce, widowhood, caring, caregiving,
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  Speaker 1: a health crisis, financial portrayal, business struggles, raising children by yourself.
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  Speaker 1: I was at thing a mom for many, many years,
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  Speaker 1: ten years supporting everyone else. First, starting over in the
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  Speaker 1: next chapter of life. Just that it could be as
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  Speaker 1: simple as that, how do I start over where I'm
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  Speaker 1: at now? And now you're looking around wondering, hmmm, how
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  Speaker 1: did I get here? How did I get here? Financially?
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  Speaker 1: My Katie Katz in the background, Sorry, if you hear her,
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  Speaker 1: let's first all, take a breath. I would pick her
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  Speaker 1: up if she was close to me.
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  Speaker 3: Take a big, deep stretch, your arms up a little bit,
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  Speaker 3: get some more error in that diaphragm, because rebuilding financially
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  Speaker 3: after forty to fifty, even sixty is way more common
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  Speaker 3: than you realize.
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  Speaker 1: And no, it's not too late. It's almost never too late.
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  Speaker 1: There's always something that we can do a women's financial journey.
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  Speaker 1: Journey is just rarely a linear experience. It's just not.
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  Speaker 1: One of the biggest problems traditional financial messaging is is
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  Speaker 1: that we assume that life moves in a straight upward trajectory.
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  Speaker 1: Right go to school, build a career, save, consistently, retire comfortably,
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  Speaker 1: but women's lives are much more layer than that. Many
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  Speaker 1: women pause careers to raise children, care for aging parents,
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  Speaker 1: support spouses. We go through divorces, We experience grief. Start
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  Speaker 1: over after a loss is not easy. There's going to
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  Speaker 1: be time there to grieve rebuild after emotional or even
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  Speaker 1: financial trauma. It's a lot of time spent with our
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  Speaker 1: emotions that are never discussed about in the financial world.
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  Speaker 1: During these seasons, financial growth often slows down. Luna. This
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  Speaker 1: does not mean that you've failed by any means, and
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  Speaker 1: this does not mean that you're done. It just means that, hey,
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  Speaker 1: guess what, girl, you lived a life. Yep, you lived
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  Speaker 1: a life. Now is it the life you planned? Probably not.
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  Speaker 1: I don't know anybody that's planned their life completely. Almost
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  Speaker 1: nothing of what I've had the war has been a plan.
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  Speaker 1: But that emotional weight of feeling behind is just sits there, right,
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  Speaker 1: And feeling behind creates enormous stress. So I don't want
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  Speaker 1: you to feel behind. Pick up the cat because she's
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  Speaker 1: driving me crazy. Say hi, Tolluna, y'all Okay. Many women
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  Speaker 1: carry a lot of shame, embarrassment, regret, comparison, comparison of others,
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  Speaker 1: your neighbors, your family, somebody that you might have met, comparison,
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  Speaker 1: comparison to new you know, your kids, new families, your neighbors.
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  Speaker 1: I moved here in a fifty five and older community
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  Speaker 1: so I could compare to everybody around me, right, because
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  Speaker 1: we're all going to the same thing. We might have
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  Speaker 1: anxiety about aging and not being able to get out
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  Speaker 1: there and work and make the same amount of money
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  Speaker 1: as we've always been able to make because we've always
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  Speaker 1: always been able to just go make money. Well, we
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  Speaker 1: can't do that when we get older, right, or our
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  Speaker 1: bodies deteriorate and we're just too darn tired. Right, Let's
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  Speaker 1: put her there and see what happens. Okay, fear of
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  Speaker 1: running out of time. I have been experiencing this, I
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  Speaker 1: can tell you now. I think since I was fifty nine.
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  Speaker 1: I'm sixty two now, and you know, time brought it
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  Speaker 1: out like it just is, and that's just a fact
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  Speaker 1: of life. You know. My mom shows up in the
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  Speaker 1: mirror and my face and in my legs, like what
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  Speaker 1: is all this so? And I know that I'm in
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  Speaker 1: the last half. I'm in the last half, and I
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  Speaker 1: feel like I got so much more to do, so
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  Speaker 1: much more to say, many more people to help. And
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  Speaker 1: so that's just a part of life that we need
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  Speaker 1: to deal with, and it's really good to deal with
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  Speaker 1: in community. I have an amazing my soul sisters, and
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  Speaker 1: I have an amazing group of friends that I do
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  Speaker 1: this with, and we need that support. Social media just
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  Speaker 1: makes it worse, don't it. Like if you're a scroll
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  Speaker 1: or put that phone down, girl, go do some pushups,
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  Speaker 1: or walk around the block, or pick some flowers and
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  Speaker 1: smell some flowers. Social media just is such fomo. Like
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  Speaker 1: we have such fomo when we're looking at what other
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  Speaker 1: people are doing because we feel like we're not there
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  Speaker 1: and they're showing you that maybe the best day that
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  Speaker 1: they've had all month, and we feel like, wow, they
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  Speaker 1: have that every day, and it's just not accurate. We
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  Speaker 1: see people talking about million dollar retirements, you know, several
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  Speaker 1: million here, several million there, early retirement. I know that
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  Speaker 1: I have retired several people early, and I love that.
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  Speaker 1: We hear people talk about investment portfolios and luxury lifestyles. Meanwhile,
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  Speaker 1: you're just trying to figure out how do I create
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  Speaker 1: the ability from here. When we look at other people's
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  Speaker 1: lives than what they're doing, it is dangerous. Please do
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  Speaker 1: not compare, Just don't even go there, because your timeline
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  Speaker 1: is very different than anyone else's timeline. Everyone's story is
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  Speaker 1: different and everyone is at a different starting point throughout
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  Speaker 1: their whole life. Your chapter is not over just because
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  Speaker 1: your timeline looks different. Rebuilding starts with honesty, not shame.
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  Speaker 1: So we just got to get real. That's all, ladies.
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  Speaker 1: We just got to get real with ourselves. We just
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  Speaker 1: got to get real with where we're at so that
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  Speaker 1: we can move from here. The first step is honesty,
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  Speaker 1: not judgment, not punishment, and not panic. Just awareness step one, right,
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  Speaker 1: We just got to be aware. So where are you today?
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  Speaker 1: How much income do you have? How much of that
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  Speaker 1: greens coming in? I love it? Where's it coming from?
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  Speaker 1: This is what you do at your weekly money date.
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  Speaker 1: You make your spreadsheet, your favorite colors, you have your
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  Speaker 1: nice favorite drink, you have your music on, the lighting's perfect,
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  Speaker 1: candles lit, whatever it takes, and we're going to talk
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  Speaker 1: about it. We're going to do this. Where is the
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  Speaker 1: income that you're coming where's it coming from? Does debt exist?
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  Speaker 1: Where's your debt? Now? I have on my spreadsheets? You
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  Speaker 1: know if you have credit card debt. I want to
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  Speaker 1: know any loans that you have, the dat it's due,
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  Speaker 1: the interest rate you're paying. Most people don't know the
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  Speaker 1: interest rates that they're paying on credit cards. If you
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  Speaker 1: carry a balance right on your car loan, what's your
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  Speaker 1: interest rate on your car loan? What's your interest rate
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  Speaker 1: on your mortgage? On your rental properties, your buildings, whatever
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  Speaker 1: you have. I want to know the interest rates, the
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  Speaker 1: do dates, the balance, and the monthly payments on your spreadsheet?
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  Speaker 1: For sure? Do you have any other assets that you
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  Speaker 1: can put in the asset column that's paid off? Your
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  Speaker 1: house might be paid off. That's awesome. What lifestyle do
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  Speaker 1: you truly want? This is where we go inside. So
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  Speaker 1: in the mornings, we journal, we listen to music, we move,
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  Speaker 1: we do all these wonderful things in their morning rituals.
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  Speaker 1: This is where we're like, Okay, where do we really
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  Speaker 1: want our life to be? Do we want to be
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  Speaker 1: you know, with kids? Do we want to be traveling
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  Speaker 1: our grandkids? Do we want to be traveling? What do
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  Speaker 1: we want? We just want to go six months and
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  Speaker 1: do nothing. I have a client that just got laid off.
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  Speaker 1: It's like I'm doing nothing for six months exactly you're
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  Speaker 1: doing nothing for six months, Like, just take a breath,
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  Speaker 1: relax and look for what you like? What do you like?
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  Speaker 1: Who are you without this job? Every day? Right? What
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  Speaker 1: expenses actually matter to you? And what expenses don't matter
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  Speaker 1: to you? Larity reduces fear. I promise you, this is
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  Speaker 1: going to be the biggest thing that you can possibly do.
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  Speaker 1: Avoidance increases fear. I promise you that as well. Many
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  Speaker 1: women say overwhelmed just because they avoid looking at their finances.
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  Speaker 1: So grab a friend, Hey, grab a money coach, just saying,
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  Speaker 1: because we look at every dime in your household, and
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  Speaker 1: we switch your energy and belief around that so that
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  Speaker 1: you actually love looking at your money. The numbers are
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  Speaker 1: just simply information. It's not your worth, it's not your intelligence,
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  Speaker 1: it's not your identity. It has nothing to do with
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  Speaker 1: who you are and the difference you're going to make
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  Speaker 1: in this life. It is just the zeros in your
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  Speaker 1: bank account. That makes sense. It's never too late to
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  Speaker 1: create financial confidence, never never, never. So now let's reduce
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  Speaker 1: the Now, let's redefine success. Everyone has a different word
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  Speaker 1: around successible in a meeting, right, So rebuilding financially after
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  Speaker 1: fifty sixty forty whatever. It's not about becoming a billionaire overnight.
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  Speaker 1: That's not what it's all about. It's about creating stability.
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  Speaker 1: It's creating the sense of financial freedom. It's easy to
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  Speaker 1: say I wish I had a million dollars or I
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  Speaker 1: need two million to retire or whatever, and your brain
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  Speaker 1: just goes I can't even accept that. So we're going
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  Speaker 1: to rephrase that too. I am on my path to
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  Speaker 1: financial freedom. Doesn't that feel great? That's going to help
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  Speaker 1: reduce stress. We want to build confidence. We want to
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  Speaker 1: make intentional decisions, not reactive decisions. Creating income clarity right there,
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  Speaker 1: you're going to feel so good that might I tell
• 10:59
  Speaker 1: you you need to ask for raise or raise your
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  Speaker 1: prices as a business owner. Simplifying life. If you've got
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  Speaker 1: accounts all over the place, old, we're one case here, old,
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  Speaker 1: I raise here, all this stuff, we want to simplify that.
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  Speaker 1: You want a financial advisor, you want to get that
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  Speaker 1: all in the same place so that you can actually
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  Speaker 1: really see it as on a one pager. I always
• 11:21
  Speaker 1: give my clients a one page bucket plan so you
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  Speaker 1: can see everything you have on one page. If you
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  Speaker 1: like several companies, that's fine, but I still want to
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  Speaker 1: be able to see it on one page. Let's protect
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  Speaker 1: your future. We want to build peace of mind. So
• 11:35
  Speaker 1: here's some tips for rebuilding financially with more peace of mind. Okay,
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  Speaker 1: we need to know your monthly must pay number first,
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  Speaker 1: or your essentials, which is housing, food, healthcare, transportation. That's
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  Speaker 1: what we need to know while you're working right now.
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  Speaker 1: How much is it right now a day in a
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  Speaker 1: life of you that you must have. Then we're going
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  Speaker 1: to build in hobbies as discretionary spending. We also want
• 12:02
  Speaker 1: to build in a small emergency cushion to make sure
• 12:07
  Speaker 1: that you're not going to your credit cards every time
• 12:09
  Speaker 1: there's a crisis. We want to automate bills. And now
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  Speaker 1: I have a client that does not trust banks, does
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  Speaker 1: not trust automation. She drives around still and drops off
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  Speaker 1: her checks to bills. I hain't got time for that.
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  Speaker 1: I just do not have time for that. So as
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  Speaker 1: much as you can, we want to have things automatically.
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  Speaker 1: Did you ever read that book Automatic Millionaire? Do you
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  Speaker 1: automatically have savings coming out and going to a separate account.
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  Speaker 1: Automatic have things? It's not stressing you out and it's
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  Speaker 1: not taking room in your psyche so that you can
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  Speaker 1: go do the things that you create freedom and feeling
• 12:44
  Speaker 1: of peace of mind around and fun. I mean, let's
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  Speaker 1: face it, my other favorite word is fun. We need
• 12:51
  Speaker 1: more fun in our life. So we want to be
• 12:53
  Speaker 1: able to reduce our mental load as much as possible.
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  Speaker 1: Avoid making major emotional financial decisions when your stressed, are
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  Speaker 1: overwhelmed or hungry or hungry as they say, let's not
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  Speaker 1: make decisions there. We want to get in the right
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  Speaker 1: frame of mind before we make emotional decisions. So reducing
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  Speaker 1: our stress, We're going to stop avoiding our numbers. Yep,
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  Speaker 1: We're going to put our big girl panties on and
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  Speaker 1: we're going to check out our numbers. Uncertainty creates more
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  Speaker 1: anxiety than reality, I promise you. That's why I have
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  Speaker 1: one hundred percent success in my coaching program, because one
• 13:28
  Speaker 1: hundred percent of the time this is real scheduling our
• 13:31
  Speaker 1: money date, I'm subscribing from our financial shame in comparison online,
• 13:36
  Speaker 1: don't go there, don't look there. If anything's bothering you,
• 13:39
  Speaker 1: don't go back. Create simple systems instead of trying to
• 13:43
  Speaker 1: become perfect overnight, we just want automatic systems. Remember, financial
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  Speaker 1: peace comes from clarity, not from pretending everything is okay,
• 13:52
  Speaker 1: and not from avoidance. Building confidence woo, that's what I
• 13:57
  Speaker 1: want to do, right. That comes from action, not waiting
• 14:00
  Speaker 1: until you're ready, but small little actions. Learn from a
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  Speaker 1: financial topic one in a time. If you have so
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  Speaker 1: much anxiety you can't even do that, then that's where
• 14:11
  Speaker 1: we got to talk first. Is we've got to talk
• 14:13
  Speaker 1: about anxiety and stress without bringing money into it, because
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  Speaker 1: if money just completely sends you over the edge, I
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  Speaker 1: don't want that. I want you to manifest some piece
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  Speaker 1: in your life before you start bringing up the money.
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  Speaker 1: So there will be times that as a coach, I
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  Speaker 1: will say, take a step back. Let's get your life, yourself,
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  Speaker 1: your stress under management, your anxiety under management first before
• 14:35
  Speaker 1: we start digging into our money. And I know that's
• 14:38
  Speaker 1: weird from a financial advisor and a money coach, but
• 14:40
  Speaker 1: it could take a month, it could take a week,
• 14:42
  Speaker 1: it could take ninety days. I don't know, it's not
• 14:45
  Speaker 1: probably not going to take longer than that. Most of
• 14:47
  Speaker 1: my programs are ninety days to six months, and by
• 14:49
  Speaker 1: six months you have it all dial in and you're good.
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  Speaker 1: But sometimes we're going to take care of you first.
• 14:54
  Speaker 1: Then we dive into maybe like Social Security because that's
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  Speaker 1: an income stream, right, so that's kind of fun. Maybe
• 14:59
  Speaker 1: we're going to dive into spending plans. If that's stressing
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  Speaker 1: you out, you want to get that nailed in. Maybe
• 15:04
  Speaker 1: we're gonna look at, hey, what other income do I
• 15:07
  Speaker 1: have coming in in retirement? How can I reduce my debt?
• 15:10
  Speaker 1: How can I plan for future health care? Then we're
• 15:13
  Speaker 1: gonna celebrate the small winds every time we pay down debt.
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  Speaker 1: Woo hoo. We are going to celebrate. You're gonna give
• 15:20
  Speaker 1: yourself a perk, small perk. Don't go buy a car,
• 15:24
  Speaker 1: don't go on a five star vacation, but you're going
• 15:27
  Speaker 1: to give yourself a perk. I promise you. Every time,
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  Speaker 1: let's celebrate small winds. Let's say you've never looked at anything.
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  Speaker 1: You were total ostriche like hiding from everything, and now
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  Speaker 1: you're opening your statements. Woo, that's all. It takes, one
• 15:40
  Speaker 1: little step forward. We have to celebrate. I have all
• 15:44
  Speaker 1: my clients doing money dance. Here's my money dance. Wooooo.
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  Speaker 1: I'm doing it.
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  Speaker 3: Yep.
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  Speaker 1: I got it under control and I'm feeling better, so
• 15:55
  Speaker 1: my hips are shaking. My knees are shaking, my waist
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  Speaker 1: is shaking, my shoulders, my arms, my head, my voice,
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  Speaker 1: everything I am getting into my body right now. I
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  Speaker 1: crushed it. I'm a badass. I'm a badass with my
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  Speaker 1: money and I'm on my past to clarity and control. Right,
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  Speaker 1: That's all. It takes one little step forward, maybe we
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  Speaker 1: start saving consistently. I had a lot of clients in
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  Speaker 1: the very beginning with their journey is to do the
• 16:23
  Speaker 1: Acorn app to where when they purchased something, it would
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  Speaker 1: round up and go into a savings account for them.
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  Speaker 1: And then I had them spend that savings account every month,
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  Speaker 1: but they had to look for what they wanted to
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  Speaker 1: spend it on for three days. So they're telling their
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  Speaker 1: brain subconsciously that they're wealthy while they're shopping for whatever.
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  Speaker 1: They're going to say. It could be fifty bucks, it could
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  Speaker 1: be five hundred bucks in that account. So they had
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  Speaker 1: to spend it every month though, on something that they
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  Speaker 1: truly just for them, that they thoroughly enjoyed. So all
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  Speaker 1: of this makes them think about what they like, think
• 16:54
  Speaker 1: about what makes them happy, think about spending money intentionally,
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  Speaker 1: not just by a whim and putting themselves first. It
• 17:02
  Speaker 1: accomplished so much and it just literally helped them manifest
• 17:05
  Speaker 1: more and more. It was great asking financial questions. Get online.
• 17:09
  Speaker 1: Ask some questions that you're wondering about. Here's the caveat
• 17:13
  Speaker 1: to that. You're only going to get the answer to
• 17:15
  Speaker 1: the question that you asked. You're not going to get
• 17:18
  Speaker 1: the full answer. So please, I've had so many clients
• 17:21
  Speaker 1: email me their online information back and it's not the
• 17:26
  Speaker 1: full thing. Please do not go by just that. Always
• 17:29
  Speaker 1: run it by your advisor or your coach, because you're
• 17:31
  Speaker 1: not getting full, accurate information online. And let's stop telling
• 17:36
  Speaker 1: ourselves we're bad with money. Women were just a lot
• 17:39
  Speaker 1: of us were not taught and we just don't know
• 17:42
  Speaker 1: what we're doing. So I can tell you some of
• 17:45
  Speaker 1: my best clients are women investors. They are so amazing.
• 17:51
  Speaker 1: It's so fun to work with them. So let's take
• 17:54
  Speaker 1: that out of your vocabulary and be aware of what
• 17:57
  Speaker 1: you're saying, Like, what are the words you're you using
• 18:00
  Speaker 1: when you're talking about yourself. We all beat ourselves up
• 18:03
  Speaker 1: so much. Now we're going to take make intentional decisions.
• 18:08
  Speaker 1: We're going to ask ourselves, does this align with the
• 18:10
  Speaker 1: life that I want? Am I buying from emotion or attention?
• 18:14
  Speaker 1: Will this reduce my stress or will it just create
• 18:18
  Speaker 1: more later down the road. Intentional living also means they
• 18:22
  Speaker 1: know sometimes right yep, and creating some boundaries. I have
• 18:27
  Speaker 1: my spending plan for this summer and that's what I'm
• 18:30
  Speaker 1: sticking to. Like, I just got asked to do something else,
• 18:32
  Speaker 1: and that would have been another forty five bucks. I'm
• 18:34
  Speaker 1: like a month, and I'm like, no, not adding that
• 18:36
  Speaker 1: to my spending plan. Would I love to do that?
• 18:38
  Speaker 1: Of course? Do I deserve to do that? Of course?
• 18:40
  Speaker 1: Do I feel better that I said no? After I
• 18:42
  Speaker 1: said no, Yes, Now I feel great because I put
• 18:45
  Speaker 1: myself first and my boundaries first. Let's choose what really
• 18:50
  Speaker 1: matters to us. Protecting your energy and your finances you
• 18:55
  Speaker 1: come first. So creating income clarity. We need to know
• 19:00
  Speaker 1: exactly what's coming in. We need to know exactly what's
• 19:03
  Speaker 1: going out, and we need to know daily, monthly, some month,
• 19:07
  Speaker 1: sometimes it's quarterly's then I annually, annually. We need to
• 19:10
  Speaker 1: bust all those out and we need to know what's
• 19:12
  Speaker 1: your regular Like I bought a house last year, so
• 19:16
  Speaker 1: I'm not going to have a lot of those costs again.
• 19:18
  Speaker 1: This year. I bought a car last year. I'm not
• 19:20
  Speaker 1: going to have that sales tax and all that costs
• 19:22
  Speaker 1: this year. Right, what is avoidable? What would you like
• 19:26
  Speaker 1: to change? Once you get everything that you're spending money on,
• 19:29
  Speaker 1: now you can go back and go, Okay, do I
• 19:31
  Speaker 1: want to do that still? Because guess what, you are
• 19:34
  Speaker 1: at choice. Let me say that again. You are at choice.
• 19:37
  Speaker 1: Guess what. Oh, let me say that again. You are
• 19:39
  Speaker 1: at choice. Oh my god, I love it. So I
• 19:41
  Speaker 1: just went on this trip. So we are part of
• 19:43
  Speaker 1: the Freedom Book Club here, and we just did our
• 19:47
  Speaker 1: friend and I just did our our education and the
• 19:50
  Speaker 1: classes and all the online stuff, and then we just
• 19:51
  Speaker 1: went out with the captain yesterday to make sure that
• 19:54
  Speaker 1: we can dock right, you know, pulling the slip right,
• 19:57
  Speaker 1: drive the boat right, playing and all that stuff and
• 19:59
  Speaker 1: anchor and all that. So that was fun. It was
• 20:01
  Speaker 1: really fun yesterday. And the captain literally said over ten times,
• 20:07
  Speaker 1: do not throttle when you're pulling in the slip. Do
• 20:11
  Speaker 1: not push the throttle, idle throttle only, like over and
• 20:14
  Speaker 1: over and over and over again. It's like, Okay, I
• 20:17
  Speaker 1: get it. I get it. I've given boats for a while,
• 20:20
  Speaker 1: so I get that. But if you're new at this,
• 20:23
  Speaker 1: you have to repetitively tell yourself something to get it
• 20:26
  Speaker 1: in your brain correctly. So it's not about the zeros.
• 20:31
  Speaker 1: I do like that. It's not about the zeros. So
• 20:35
  Speaker 1: we're going to create a spending plan and not the
• 20:38
  Speaker 1: restrictive budgeting. I want you to be able to spend
• 20:41
  Speaker 1: your money, have a good time. But you are at choice.
• 20:45
  Speaker 1: I'm gonna say it again. You are at choice. You
• 20:49
  Speaker 1: can easily say thank you water company for sending me
• 20:52
  Speaker 1: water on the bill and send it into them. You
• 20:54
  Speaker 1: don't have to pay them. You're choosing to pay that
• 20:57
  Speaker 1: company because you're choosing to have water come on, and
• 21:01
  Speaker 1: let's be grateful for it. I don't know about you,
• 21:03
  Speaker 1: but I flush my toilet every night every night. I
• 21:06
  Speaker 1: never dug one ditch, I never climbed one pole for electricity,
• 21:11
  Speaker 1: and I'm just like, thank you water company for letting
• 21:14
  Speaker 1: me have this water throughout the month, and here's my payment. Like,
• 21:18
  Speaker 1: let's be grateful for the things that we didn't have
• 21:20
  Speaker 1: to do. I didn't have to climb any telephone poles
• 21:23
  Speaker 1: and hang any pgen wires or gas wires or whatever
• 21:27
  Speaker 1: they do with all this electrical stuff. So yeah, I'm
• 21:32
  Speaker 1: grateful for that, so thank you. Let's consider if you
• 21:36
  Speaker 1: are in the rebuilding phase, let's consider part time work.
• 21:40
  Speaker 1: It's not going to be forever, but sometimes a consistent
• 21:42
  Speaker 1: paycheck coming and feels really good. Right, sometimes it feels
• 21:46
  Speaker 1: really good. Let's consider consulting maybes or something you know
• 21:49
  Speaker 1: that you can share. Let's consider a side hustle. Let's
• 21:53
  Speaker 1: consider monetizing our skills or do you do cook well?
• 21:56
  Speaker 1: Do you organize well? Do pack well? Do help people
• 22:00
  Speaker 1: with airline flights well? Do you garden well? Anything like that.
• 22:05
  Speaker 1: Let's consider making some money on the other end, also
• 22:08
  Speaker 1: helps some taxes as well. Downsizing expenses temporarily. Remember nothing
• 22:14
  Speaker 1: is forever. There's nothing more certain than change, per my dad,
• 22:18
  Speaker 1: nothing more certain than change. So this is just for
• 22:21
  Speaker 1: right now. When you're rebuilding, focus on cash flow, sustainability
• 22:25
  Speaker 1: and not on amparansons out there and what it looks like.
• 22:29
  Speaker 1: Simplify your life, y'all. And you can do this, I
• 22:31
  Speaker 1: promise you. I can build peace of mind. I promise you.
• 22:36
  Speaker 1: It's going to feel so amazing. We actually have so
• 22:39
  Speaker 1: much more strength than we realize. And when we're put
• 22:42
  Speaker 1: to the test. We can rebuild from any age at
• 22:45
  Speaker 1: any time with the right amount of support, just requires
• 22:49
  Speaker 1: small daily shifts. I want you to be able to
• 22:52
  Speaker 1: know that you can actually start over at any age
• 22:55
  Speaker 1: and you can be able to say I rock my finances.
• 23:00
  Speaker 2: We appreciate you joining us today, and don't forget to
• 23:03
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• 23:06
  Speaker 2: engagement and bonus content. Tell me what is your money story.
• 23:11
  Speaker 2: Let's find out with Jennifer right here on K FOURHD
• 23:14
  Speaker 2: Radio and Talk for TV. It's not about the zero,
• 23:18
  Speaker 2: It's about the F word, feelings, feelings. Jennifer can't wait
• 23:22
  Speaker 2: to explore with you next week. Until then, let's all
• 23:25
  Speaker 2: say I rock my finances.