Latest / Marci talks money (and life) / Creating the Life You Want: Goals, Growth, and Intentional Living with Kate Moir
Transcript
- Marci Grossman (00:00.967) Hello, I am MoneyMarci. Welcome. I am thrilled to welcome today's guest, Kate Moir. Kate Moir is your everyday Kate Moir is your everyday mom who dared to turn her dreams into reality. What started as a desire for a flexible schedule to be a present mom has grown into a mission to empower other women to create the same freedom. Today, Kate helps busy moms build health and wealth on their coffee breaks with practical tools, simple strategies, and real life resources that actually fit into mom life. She's an international bestselling author, the host of Momma's Making Commas, and the CEO of a thriving six figure online business. Get ready to be inspired, encouraged, and reminded that your dreams are worth saying yes to. Welcome, Kate. Kate Moir (00:58.944) Thanks so much Marci. Marci Grossman (01:00.739) I'm thrilled to have you here. You are an interesting woman with just a fabulous journey. So I guess let's talk about where you came from and the path to where you are. Kate Moir (01:17.854) Yeah, for sure. You know, Thanks so much for having me. You know, when I saw MarciMoney, I was like, I gotta talk to this lady because I love talking about money and not everybody does. But you know, when I was in my 20s, I was like, I'm gonna be a CEO by the time I'm 30. I'm gonna have my master's by the time I'm 30. I'm gonna be married. I'm gonna have kids, you know, and it was like, check, check, check, check. You know, checked everything off this list. Marci Grossman (01:26.507) Hahaha! Kate Moir (01:46.316) And then it was like, now I want to just be a mom. And so your priorities, like they say, sometimes it changes. And it definitely changed me from this career driven individual to, okay, but I also want to be a present mom. And I don't want to work 60 hours a week. And I don't want to have to choose work over my kids if they're sick. And so there was a moment, and I'll never forget this moment, I had two girls and I had to take my first daughter to daycare and she was not even not even 10 months old and so in Canada were blessed with long long maternity leave but I dropped her off and the daycare lady was nowhere outside and there was these two kids running around outside unsupervised and that was the only daycare available in the entire town. Might have been a reason. But I opened up the door after 10 minutes. I was knocking on the door and the lady didn't open the door. What felt like 10 minutes. Maybe it was two, I don't know. But it was long enough that I was like, I cannot have my kid go to this daycare. And it was that moment that was like, how can I get out of having to put my kids in daycare? How can I be able to make income from home so that I don't have to choose between my kid's safety and work? And so, you know, then it was just a journey of how to find ways to create that life so that our family could still be comfortable without having to choose work over kids. If that makes sense. Marci Grossman (03:27.366) Yeah, so when did you have the kids? Because 2017 was a significant date for you. How old were your kids at the time? Kate Moir (03:34.67) Yeah, okay, so 2014 I had my first daughter, 2016 I had my second daughter, and so my journey was building up this backup plan over the course of three years, and in 2017 I was driving to a meeting, I'll never forget it, I needed to be in two places at once for work, which is impossible, right? So at work I needed to be two humans, and then you still have your whole... home life and mom life and wife life and friend life and I thought I was having a heart attack and so I ended up calling my boss and said I think I'm having like a heart attack I need to go to the doctor to the emerge. I called my husband he met me at the hospital with our kids and they said you didn't have a heart attack but you had a panic attack and it was because my stress level was so high and so at that time my husband said you know what do you want to do for your birthday? And I said, I want to go to the accountant and I want to see, did I save enough money? Have we paid off enough debt in order for me to quit my job? And so for my birthday that year, that's what we did. We went to the accountant and we did the numbers and you know, he showed us a path that yes, I had, I had paid off enough. I had paid off all of our line of credit. We had about $50,000 in line of credit. We paid off all of that. We had no credit card debt. and I had saved enough money that I had that nest egg enough that I could take that chance because I had built something on my coffee breaks. Because I had changed my lunch time from scrolling the internet to being productive in order to build something that I could walk away from that nine to five. Marci Grossman (05:18.916) I have to tell you, I don't think I have ever been a birthday present to any of my clients. Kate Moir (05:26.273) But if you do, he bought us lunch. So that's the only requirement, I guess. Make sure you buy them lunch afterwards. But yeah, it was fun. Marci Grossman (05:34.47) Okay. And what you did was you were in city planning. Kate Moir (05:38.926) Yeah, yeah, I was a planner. So we help people with subdivisions, design, development, help communities make decisions. And I love what I do. Like, and I still sometimes help out here and there because I love what I did. It wasn't that I didn't love my job. It's just I didn't love having to be where they needed me to be 24 seven. Marci Grossman (06:03.471) And that makes sense because when you are working full time for someone else, you can have a very rigid schedule. After my kids were born, I did consulting, I did tax season, I was my own boss on a part-time schedule that worked for me that I could control. I would show up at my client's offices at the times that worked for me. I would say, okay, well, we've got to come here. Here's the times where... that we need to kind of get together in that period and we'll play it by ear. And, you know, they'd say, okay, well, you can't come these days. they got everything done that they needed to get done for them. It worked in the schedule that I needed. And people don't think to ask, people don't think to kind of check out that they have these options. So that had to be very powerful and very unique for you to do that. CPA bought you lunch, your financial planner, whatever type you were talking to, bought you lunch because they were so excited that someone thought of them as a birthday present. Kate Moir (07:09.749) I think it's more my husband said, so now you're going to buy us lunch, right? He's like, yeah, I guess so. They're friends. They play hockey together. Um, but yeah, I don't know if he does that for everyone, but, um, but yeah, it was a nice gesture for sure. Marci Grossman (07:22.799) Okay, and what was your transition like? Kate Moir (07:26.477) Oh, so I started mapping it out. You know, probably, you know, it took me 30 days to like actually leave. And so I remember I thought, OK, well, maybe I'll give my notice on like, you know, in the New Year or just before Christmas break. And there was a file and, you know, I think there's really great managers and leaders out there. And then there's ones that are just like they probably need a course. And this particular day, I came into the office and I remember my boss coming in and just yelling at me, like not just kindly telling me like, hey, let's have a conversation. What happened? It was like ripping me up and down for something that I had warned her that if we push this file too fast, because sometimes people are rushing, they want to push a file through. And so they change the deadlines and they make it go faster and I was like, sometimes going fast can cause error. And so was like, how did you miss this? And I just looked at her and it was the most empowering moment of my life. Really, I looked at her and I said, would you like my resignation today or would you like it on January 1st? And she said, what? And I said, I was already planning on quitting. So you just made it really, really easy because I will never be talked to this way again in my entire life. And her jaw dropped and she's like, but what are you going to do? And I said, like, I have the ability financially to not work here. And so unlike everyone else, I don't have to suck it up. I don't have to take this energy or this issue anymore. And she's like, oh my gosh, like, well, like, is there anything I can do to convince you to stay? I was like, no, like I'm done. You know, because I had the empowerment, I had the financial ability to leave that nine to five. I didn't have all my eggs in a retirement plan that I might get in 25 years. I was able to put my mental health and that panic attack was because of the intense stress that our job was demanding from us. Kate Moir (09:43.82) and I was giving my family the worst and I wanted to reverse it. I wanted to reverse the stress load. I want to my family first, my health first before work and it was kind of the opposite and so yeah so that moment so then I gave my notice so that I need you to work the first week of January because so and so's on vacation I said no problem I will work until January whatever and and then I was able to just walk away so that was it. That was my transition. Marci Grossman (10:15.055) And how long had you been starting this side project? Kate Moir (10:19.725) In 2015, September of 2015, I was pregnant with my second and I had just gone back to work for the first time and that's when that daycare incident had happened. And so it was kind of like, okay, let's see what this could do. Let's see if this is the ability to put my health and my family before work. And so I just built it up as fast as I possibly could. And then on maternity leave with my second daughter, I really doubled down. You know, a lot of people are like, I'm going to take the season off. Enjoy your your child is like they sleep like. I don't know, 21 hours of the day, you know, like, you know, I can only clean so much or rest so much. And so even my toddler still had naps. And so I just worked my business through that maternity leave so that when I went back to work, it was like I already knew that it was temporary. I knew that it wasn't a long term situation so that I could resign in that fall of 2017. Marci Grossman (11:28.877) and what kind of business was it that you were building at that point? Kate Moir (11:31.276) Yeah, so I was doing online, online sales and in-person sales for a company and we were just having tons of fun. Like it was, I just feel like I remember, you know, people like, this is how you make money? Like, yeah, this is how I make money. But you know, it was a bit of a hamster wheel and it did start to kind of have ebbs and flows and there was no repeat income and you know, there was just, it wasn't sustainable. And so in 2020, I had made another shift and we can talk about that if you want, because I had a health scare with my neck. And then again, in 2024, I made another shift because I finally realized sales are great and I love sales and I'm good at sales. But if each month you're starting at zero and you're constantly hustling for a sale, and you have no repeat income, nothing that is passive or that you can rely on, then you don't have that peace and certainty. And so over the course of 2017, excuse me, and 2024, I was constantly looking for a second stream of income or a third stream of income, looking for ways to supplement because I didn't have that peace and certainty where now I feel like I've been able to build up my income that is like there's There's calmness and I don't feel stressed, which I mean is the ultimate goal. Have money coming in, not feeling stressed, being able to pay for your bills and then some. Kind of feel like it's like the dream life right now. So. Marci Grossman (13:14.855) That sounds excellent. Let's take a quick break here. Marci Grossman (13:20.817) Okay, so. Marci Grossman (13:27.578) Okay, so You started in 2015 with an online business. You stayed with it a few years. That was the business you were in when you were able to say, I'm comfortable leaving my job. And a little later you realized that maybe there was a better company for an online business. And so this is partnering with an online sales and we all know of many different things that are out there. So I don't want to name any names. and you stayed with that for a few years and then you transitioned to the one that you are currently with. Okay, so you can tell us about that if you'd like or we can. Kate Moir (14:03.787) Yeah, no, I think, you know, what I realized was my first company, I sold a product that people needed once. Right, a one time sale. Maybe they'd buy a second item here or there, but it wasn't an essential item. It was a fun kind of item. So then in 2020, I needed neck surgery and I went to a different company and they promised, you know, it's subscription based and you're going to have all these sales. And I was like, okay, well, this sounds great. And so I did that and then I realized, but they can just like turn on and off their subscription, which is great. I don't like subscriptions. I've learned not to love subscriptions, but but it wasn't stable. And so what I noticed in both of those companies, it was very much the typical network marketing recruit, you know, try to get people to join, buy things, and we had a ton of stock. Like we had just had a ton of stock. And people were buying their rank and they were buying their status and they had fake accounts and it just wasn't really great. There was great memories. There was so much fun. There were so many trips. Like literally I am grateful for both of those opportunities, but as a model perspective, there was zero guarantee. There was zero repeat income. And it was a lot of ups and downs from an income perspective. And so I looked for a year of is there anything out there? And I almost was at the point where I was like after looking at over 50 and I'm a numbers person, you know, I love math. I love money. I love helping other people. But even as a coach for a while, I was like, I couldn't even coach people in other companies because I was like the company plan is designed for you to constantly be stuck. constantly chasing the next thing and there was no calmness. And so the company I ended up deciding to partner with now is the opposite. It's a hundred percent customers and it's not a recruit model and so for me it just creates that true because people need what I bought what I share. They're buying it anyways. I don't know about you but this morning alone you know I brushed my teeth. Kate Moir (16:29.035) I pour myself a cup of coffee, I took some multivitamins, threw on some makeup, you know, so that I looked half decent for you, you know. I washed my hands, you know, had a shower, washed my hair, washed my body, washed my face, threw on some eye cream, because I'm a mom. And so the bags under my eyes were probably a little bit more than you would want. And so if you think just me alone, those amount of things, I'm not the only person. You know, and that's not including my daughter taking a, you know, having a multivitamin, taking her probiotic, her washing her face, her brushing her teeth. You know, my husband taking his electrolyte drink he takes every morning, you know. And so these everyday items that people were already buying, if I could save them money, time, and also reduce the toxin load in their house so that they could feel, you know, healthier and have a healthier home, like. That's a no brainer and it's customer focused. I don't have to try to get people to sell all the time. Like that felt very authentic to me. And so that's the model that I decided to choose. Marci Grossman (17:38.679) and it seems to be working for you. Kate Moir (17:40.918) Yeah, it seems to be working. Yeah, you know, it was funny because I was denied coverage yesterday from our home insurance to include my business just under a basic home insurance plan. I have to get a commercial grade insurance. She said and she's like, unfortunately, you just you kind of make too much money. And I said, that's not a bad thing. Like, just tell me how much it is and I'll buy it through my business as a write off. And then I will save a thousand dollars on my home insurance. Thank you very much. You know, so like being able to make decisions, you know, is very empowering. Marci Grossman (18:17.906) That's true, and you even bring up a good point there is when you make money, spending that money to do the right thing, to get the right insurance, whatever else, it doesn't feel like it's a burden. no, I made too much money, so I have to spend a little bit of money to do the right thing to take care of my business. It becomes an investment more than an expense in the same way. Kate Moir (18:37.665) Yeah. Yeah. Kate Moir (18:43.789) Yeah, and I never felt that with the other companies. Like if somebody said, you owe this much, like I was stressed out, you know? And I remember one accountant at the time, because I felt like I was a little Mickey Mouse until like 2022, until I became a corporation, you know? And I remember her being like, you kind of your business like an ATM machine, you know? And she says you make money, you spend money, and you don't really have any strategy. And so then I moved over to a corporation and I started paying myself a wage as if I was working full time. So that should anything ever blow up, you know, heaven forbid, and I had to go back. Okay, so I don't plan on going back full time. But if I had to, I pay myself the exact amount I would make if I was to go and get a job. like a real nine to five job. You know, and I think that's one thing that, you know, I love about the company that I chose is like, they want you to achieve financial freedom. They don't want you to buy the fancy car and live beyond your means to show this like luxurious life, to attract people to you that you're going to make millions of dollars. It's like, no, like be humble, work hard, pay off all, like anything that you owe. and like achieve financial freedom. And for me, I love that mentality as well because now it's like, yeah, we just live a comfortable, normal life, but we can build up this income and we have our rainy day fund and we have things paid off and we're able to, you know, build that life of peace and certainty. And I don't think you can put money on that like a dollar sign. Marci Grossman (20:33.562) and then you became an author and a podcaster. Kate Moir (20:36.557) Yeah, why not? Why not? It's something fun, right? It's fun to chat to people. It's fun to, you know, add value. It's fun to share what has worked for you. And, you know, I thought at first maybe I don't have anything to say in a book, right? I was asked to write a chapter in a book and I was like, I don't know. And I was flying to Punta Cana with my mom and on the flight, I was like, you know what, let's just see if I could write something of value. And so I started writing on the plane. Marci Grossman (20:38.802) So tell me. Kate Moir (21:06.315) And by the time we landed five hours later, I was done my chapter. And it was just like, okay, like, here you go. Like, I don't know if it's good. If it's good, feel free to use it. And if it's not, like throw it out, it's fine. And they're like, no, this is probably one of the most value added chapters in this book because you gave people tangible strategies of how to maximize their 15 minutes in a day. And that's what I'm passionate about because as moms, we're lucky if we can get 15 minutes uninterrupted, especially if the kids are at home or you're working full time and you're building something on your coffee break. You need to be focusing on the highest return on your activity. And so what is going to move the needle the fastest versus making this cute little graphic and spending 15 minutes on a graphic. That is not gonna make you money. Nobody looks at a graph and be like, Yes, I'm gonna buy whatever it is because of this one graphic. No, they're gonna buy because you reached out to them, you built a relationship with them and you added value and you have something that they need. Marci Grossman (22:11.568) Well, can you tell us about the book in your chapter? Kate Moir (22:14.733) Yeah, so it was, I think it was the 22, this is terrible, but I don't know the exact name. I think it's like the 22 Most Influential Network Marketers in the industry. And so it was just a chapter, there was 22 chapters, and each of us got to share our journey and our tips and tricks. And yeah, and then there was a book launch and I remember it was during my neck surgery. So yeah, I'm like. got this like scar, I've got this cast on and they're doing a launch and I look like a terrible like I was in a car accident, which I wasn't. I chose the surgery, but yeah, but it was fun. It was fun to launch a book while you're recovering, sitting on the back deck, watching your kids in the pool. You know, it was fun to get to know these other 21 people and their stories and build relationships across, you know, the world. and through this opportunity. So yeah, I definitely loved it. It was fun. Marci Grossman (23:19.272) Okay, and when did you get into podcasting? Kate Moir (23:22.669) Same summer. Same summer. I was kind of stuck during recovery. I couldn't really go out and about. I couldn't drive. I couldn't really like walk too far from my house for six weeks. And so I remember one day I couldn't sleep and I woke up and I was like, I wonder how hard it is to start a podcast. You know, I'm like, I don't know. I just feel this calling. And so I remember getting up at 6 a.m. coming downstairs. Googling how to launch a podcast and within an hour I had recorded my podcast and launched my podcast and It's evolved right just like anything else we grow we evolve we learn and we we tweak but it was a fun thing to do and It allowed me to connect with so many amazing women across the world. I mean One lady lived in Australia, one person lived in Dubai, you know a person in India like and then everywhere around the states and Canada. And it was just fun and how these people like, and I have somebody you really need to talk to. and I think this person would be a really great guest. I'm like, yeah, sure. Put them in touch. And it got to build such an amazing network. And again, be reminded that there's so many women dreaming of a different life and they just don't know how. But some of us decided to do it with a plan. Okay, that's me. I'm a planner. Maybe it was what I did for a living. was a planner. Some ladies quit their job with no plan. I do not recommend, you know, leaving and not having a financial nest egg and not having a plan of what you're going to do. But it worked out. Whether they had a plan or didn't have a plan, I think as women, we would, we just do what we need to do to make it happen. Right? When you're passionate enough about it, when you're you're hungry enough, you're going to figure it out, because we just do that. We just, as women, just figure it out. No, no, but we figure it out and we take action because as moms, such as us, it's our kids. And so we will fight more. We will work harder for our children than sometimes it will do for ourselves. Marci Grossman (25:38.364) That is definitely true. Mama bears all of us. Let me see where I am on here. Because We're covering so much stuff, this is awesome. So You've always been a planner, I assume. Kate Moir (25:42.53) Yeah. Kate Moir (25:56.388) yeah, like kindergarten, like before kindergarten. My mom would have a daycare and she's like, what are we doing today, Kate? I'm like, well, first we're gonna do this and then we're gonna do that. And for lunch, we're gonna have this. And I think I was three. And then she's like, I loved it. Cause I didn't have to think what are we gonna eat today? And I didn't have to think how was it gonna entertain these kids today? She's like, you just figured it out for me. And I they'd like it cause you were three or four. And so it was fun for the kids. So I think I've always been a planner. Marci Grossman (26:22.682) I think at three and four I would have wanted peanut butter and jelly for lunch every day. My mom hated peanut butter. It made her crazy, but that's all I wanted. Kate Moir (26:27.681) Probably. Kate Moir (26:31.765) Yeah, I mean peanut butter and banana, peanut butter and apple. mean, you really can't go wrong. Marci Grossman (26:36.738) Exactly. mean, I feel badly for people who have allergies and can't have peanut butter. But yeah, at that age, it was my basic food group. Kate Moir (26:48.576) You Marci Grossman (26:50.248) So your mom was an entrepreneur having a daycare. So You always saw that growing up. Did you learn financial literacy growing up? Did your family kind of talk about money things and when they had to make financial decisions? Kate Moir (27:07.961) you know, I definitely grew up where my parents did a lot of things through cash like they didn't take on like credit card debt and whatnot, but I could definitely see the struggle, you know, that there was not enough, you know, and some months were tight and I remember one year, you know, we went to this vacation with all these other families and they had these super expensive elaborate gifts and we had, you know, our one item. I remember going to back to school shopping and my mom say here's a hundred bucks like that's all I got so Here's a hundred dollars. You can go and buy a pair of jeans You know expensive pair of jeans or I can take you to Valley Village and we can like outfit your entire wardrobe You know and so I learned early on That money is not endless You have to work really hard for your money have to save. I remember my dad had this big coke bottle and he'd put change in the coke bottle and you know we would count it all up and we would use that to go on vacation. And so money I knew had value and I knew that you had to sometimes be very not like cheap but frugal you know and savvy with your money. But never to the point of like here's like this is how much you save, this is how much you spend, this is how much you give. Like we never really talked to that depth, because I don't know if we ever had enough that we felt comfortable or overflowing of money. And so I think my hunger for more, you know, happened when I was 16 and I had a job, and by 17 I had three jobs. And so I would work. You know, one job in the morning at the seniors home serving breakfast and lunch. Then I would go and take family photos at the portrait studio at Walmart. And then at night I would go and restock the shelves at the Gap. Like in one summer I felt like I had worked a year in like two months because I had worked three times You know, a day in some instances because I wanted that car, because I wanted... Kate Moir (29:21.805) to travel because I wanted to do things and I knew that if I wanted stuff I had to earn it. Like nobody was going to hand it to me. So that has really created, you know, as big a big part there's other parts too but that is a big part of my work ethic is I'm okay with rolling up my sleeves and doing whatever is necessary. Marci Grossman (29:45.992) And what financial literacy are you teaching to your children? Kate Moir (29:50.414) Yeah, so like now my kids like one, I'm so grateful they are not materialistic kids, you know, like even for the Christmas, Christmas is like, what do you want? And they're like, I don't know, like I have one item that I want from Santa. So like they asked the biggest item from Santa and they said, but really like maybe just like, I don't know, like a board game, maybe some craft supplies. Like my kids are happy with just very little. They would And then when they make money like if they get money for Christmas or money for birthdays like they don't go and spend it and blow on it. They're like I don't know if that's like really what I want to spend my money on and so I was to ask them how much money you have and they're like um I don't know and then they counted up they're like I have five hundred and sixty dollars and like you have five hundred and dollars like we gotta go put that in the bank you know. You gotta save it, you know, but it's okay to spend it It's okay to spend a little bit if it's something you really want. But you know if you see something in the store and you're like, I want this I'm like why don't you think about it for 24 hours? Like if if it's a big purchase like let's think about it for 24 hours And do you still want it tomorrow when you're not in front of the store in front of that item? Most of the time they don't right and if it is then we'll go back and get it, right? Or you want a phone, like some kids they want the expensive phone and the nice phone and my kids are nine and 11. They don't need a phone, right? But we have old phones that still work, that function, that they can face chat their friends. I'm like, you can use this phone. They're excited. Like they don't need the new things and the fancy things. They're not name brand kids. And so I think I've taught them over the years. that we can spend money on stuff or we can spend money on memories and having fun. And so they would way rather go on a vacation and travel than have a room full of toys. Marci Grossman (31:54.502) That's nice. That's really nice. Kate Moir (31:56.012) Yeah, yeah, so. Which is good because I'd like to hang out with my kids until I'm no longer considered cool or because they have a job and they can't take time off, right? So last year we did Disneyland and the year before. I think we did Mexico and the year before we did something and we went on a Disney cruise and this year we're going to Mexico and they just they love. they love travel and can't wait to take them. overseas next. Marci Grossman (32:26.536) very nice. Now, and that brings me to, I know it's important to you about the balance between you can make more money, but you can't buy more time and how you put that into your life. Kate Moir (32:37.719) Mm-hmm. Kate Moir (32:42.347) Yeah, well it's true though, like think about it. You can always work more, you can always save more money, you can always, you know, invest, you can always do different things to produce more money, right, in your life. But I can't go to the bank and say can I get more days? Tomorrow is not a guarantee, right? We plan for tomorrow, we prepare for tomorrow, and hope that we get to... live this long life of health and vitality but it's not a guarantee and I think when I hit 40 and now I'm 41 but it's like you're you almost come into this like sandwich era where it's like you're starting to see you know the loss of people that you love you're starting to see some people around your age going through some things whether it's a health perspective or suddenly passing and you see younger people passing and you're like, wow, like life is a gift. Tomorrow is a gift. It's not a guarantee. And I can't buy that time. I can't go and pay anybody to have more time. And if you, I saw something yesterday actually, and it was pretty profound. It's like the, the, the funeral effect. And it's like, you know, there's probably about 10 people that cry and I haven't verified the data. So, can't say for sure, but they said about 10 people on average cry at your funeral. Half the people won't even come if it's a rainy day and we live our life a lot for the acceptance and value of other people's opinions but at the end of the day, know the only thing that really matters is who are those ten people. Right now I want to spend as much time with my kids and my best friend and my mom and my dad and my husband, you know, those are the people. Those are the people that matter the most because those are the people who care about me the most. and So Marci Grossman (34:29.17) Right. Kate Moir (34:34.241) You know, if you are kind of holding back because of other people's opinions, like just stop. Just stop letting other people dictate your future and hold you back from your dreams. Because those people don't matter. Like I hate to say it, they don't matter. And sometimes it's your most loved ones that are criticizing your dreams or holding you back. But it's your life. And you have to do what fills your cup and live this one life, right, to what you want it to be. And so if you're kind of like, I feel like that nudge in my heart is like, I just want what this girl has or I want a different life and I'm not sure how, like reach out to somebody, like reach out to Marci, reach out to me, reach out to somebody that you admire and say, how did you do it? Would you walk me through it? Would you help me? Because people love, like good people, love to share and help others, you know, just like you are with this podcast, helping others doesn't cost anything. And I went to a, I'll share one more thing, is I went to a conference recently and the gentleman is part of Peace by Chocolate. He owns Peace by Chocolate. If you don't know that company, look it up. It's amazing mission. But he talked about something so profound that it really shifted my mind. So I always thought about return on investment. Okay, like if I do this, I'm gonna make this much money. Or if I give this, I'm gonna. You know, I just believe in karma. I just feel even you know, if I give this like it comes back in tenfold But he shifted it and he said return on kindness. And what if more people did return on kindness? If I give out kindness and I think of it as like karma but if I if I give out kindness and share and help others for free and freely It'll always come back. I've never worried and even In '99, I remember my mom got a bill and she's like, I just don't know how I'm gonna, how it's gonna happen. said, mom, the universe always provides. I said, you know, don't worry about it. Stress does, like Worrying doesn't make anything better. It makes it worse, right? And I remember, you know, the next day she opened up the mail and there was a check for the exact amount of money that she needed. Right? And so as a young teenager, I could already tell, Kate Moir (36:54.261) worrying about the negative and focusing on the negative produce more negative. But if you have faith and confidence and just believe and be a kind human like things always seem to work out. And so some people say you're so lucky like no like I just really believe that there's no point in stressing. Just keep doing and if it feels right and authentic and kind and it's helpful or adding value like there's no harm. You're not hurting anybody by helping. By being human so Marci Grossman (37:21.608) That is definitely True, definitely true. Kate Moir, thank you so much for being my guest today. Do you have anything you want to add that maybe we didn't cover? Kate Moir (37:34.272) No, I just think, I think whatever business you're in, you know, if you are looking at growing something, whether it's sales or services or whatnot, you know, ask for help, learn from other people instead of being stubborn and trying to do it yourself because you save yourself the stress, right? To like take bold action faster, like listen to your intuition and just follow your gut because Worrying about the what-ifs is gonna hold you back and hurt you in the long run, right? So like anytime that I have obsessed over like I just don't know, you know what? I end up doing what in my gut I knew from the beginning, but I just stressed about it for like two months, you know? So that was not income producing and how much further ahead could I have been if I took swifter action? And the third thing is, like it never hurts to collaborate and work with other people. Like don't look at every single person as like competition. Like I just feel like the more we can collaborate, brainstorm, rise and work with each other again, like across all industries and companies, the more you will thrive. Yeah. Marci Grossman (38:53.41) Absolutely, absolutely. Well, thank you for being my guest today. We appreciate you taking the time to join us here. To my listeners, I will be sharing a link to Kate's information in the show notes. Please check her out. She has so much interesting information and she loves to share. Check out her podcast. Check out her chapter in the book. I will put a link to that as well. And don't forget to subscribe, leave us a review and stay tuned. I'll see you next time. This has been MoneyMarci on Marci Talks Money (and Life). You got this.