Latest / Marci talks money (and life) / Season 4 Recap: Guest Highlights, Financial Literacy & Life Lessons with Caryn Martinez
Transcript
- Marci (00:15) Hello, I am MoneyMarci. Welcome. This is the season four wrap-up, and I am thrilled to welcome today's guest, my frequent guest and wrap-up co-host, Caryn Martinez. Hey Caryn. Caryn (00:29) Great to be back. Marci (00:30) Well, I'm glad to have you. So I was thinking and I hadn't brought this up to you before because I did wanna catch your thoughts as they happened, which is right now I'm doing my seasons on four months. And I'm thinking about bringing them down to a season being three months, which would make it like twelve, thirteen episodes. It would add one wrap up episode or lose one content episode a year, however you want to think about it. But I thought maybe that would kind of tighten up the wrap up episode where we wouldn't feel we had so much to squeeze into one. I don't know if you had any thoughts about that. Caryn (01:02) Well, the good thing is that you don't have so many to remember all at once like going through the notes of everything. And I get to be on the podcast more. Marci (01:15) One more time a year is not gonna launch you into to super stardom. Okay, Caryn (01:19) Well it'd be one extra time. Marci (01:23) so you're not opposed to it. That's good to know. We will talk about it more. If listeners have any comments or thoughts on that, certainly reach out and let me know. But right now that is something I'm considering for season five. Caryn (01:36) Let us know, listeners. Marci (01:37) Yeah, if you have any thoughts. Anyway, so every season I try to bring new and interesting guests, have people talk about topics that we've explored before, but maybe differently, because then you can hear it in a way that maybe resonates for the listeners differently, as well as continuing to expand into more financial topics that maybe we haven't hit before or haven't hit other than just kind of topic surf as we talk to someone else. So did you like the season? Caryn (02:07) Yeah, this season had some really interesting people. And sometimes if they were doing things that we've heard before and are more standard, they were still interesting people 'cause they did other interesting things. Marci (02:19) And that's my hope. That's why, no, not another CPA. Well, but it's a CPA who presents different information or the same information differently or whatever it is. So there's a lot of financial information out there and of course anyone can start finding my podcast and listening to it at a different time and maybe they go back and listen to all the prior episodes or ones that catch their fancy or none and just move forward. So I wanna make sure that I help people learn about and talk about money. Caryn (02:50) And if they listen to the wrap up they can learn about everybody that's been in the seasons. They can go back to the ones that sound interesting. Marci (02:57) Right, and they get to catch me chatting with you. Caryn (03:00) Yeah. Marci (03:01) Okay, so if you're ready, let's start. My first episode this season was Andy Elwood, who created Stretch. Did you have any thoughts on that episode or that product, what it offers? Caryn (03:13) The product sounds really great. Right now I think it's still in the startup phase. It's not everywhere definitely, but if for those that want to hear about it, it's an app that helps you find the comparative pricing and specials at local stores, like a newspaper circular used to when people used newspapers, but now we don't have that. Most people are not doing that and you don't have the circular. So in one app you can get all that information. So I think it's a really cool idea and I hope it's successful for him. Marci (03:47) Yeah, I love when he talked about growing up and the big brother energy that he has, and how they were involved in the family finances since they were home schooled and balancing the check book. I know for those of you younger out there you may not even know what a checkbook is anymore. I don't think my children who are now in their upper twenties have ever written a check. Because it's not necessary anymore. You do things through money apps, through credit cards. I love the energy and the product. I loved his philosophy of 'make room for many' that he got from Emerson. Caryn (04:19) Yeah, you remember? I did not remember those things. Marci (04:22) See, see that's 'cause I take better notes. We gotta work on your notes. You got more homework, Caryn. Caryn (04:26) I guess so. Well what I had remembered is that previously he had been involved in three very successful startups including Waze so he came into it from the background that you're talking about and entered business and is one of the people that loves to start companies and grow them. And then he wants to start another company. Once it's successful he's like okay I need another challenge. Marci (04:52) I think it's great that people have that kind of energy 'cause we need to start new companies and build new things. The world is always changing. I wish I had great ideas like that to start something, but I think I'm just gonna stay at my corner of the world and talk about money. Caryn (05:09) We started a podcast. Marci (05:10) Well, I did, but I didn't create podcasts. Caryn (05:12) Well yeah. Marci (05:15) And then my next guest was a mother and daughter team. They have a podcast, Kelly and Sydney Arrendell with their Incomplete Guide to Personal Growth. That was a fun time chatting. It wasn't my standard financial literacy information, but it was a lot about communicating and asking for advice, learning as you go, the financial experiences and the generational experiences, how they might be different. I think that one was really interesting for the perspectives and that communication aspect, that learning aspect about money. Caryn (05:50) Sometimes they talked to each other about, you know, money because they both said that they didn't learn a lot about money when they were young. So when the mother was older and already had children, she's like, ooh, I better learn about money and then the daughter, well they were kind of learning about it together, the mother and daughter. Marci (06:09) Right. And I think that will change now. The daughter Sydney has a child now and she probably will be talking about money in more Caryn (06:18) Yeah. Marci (06:18) ways because she's learning it while the kid is still young. So that was kinda cool. That was a fun conversation. Not the same kind of financial takeaways that we might get from other guests. And my next one you're gonna like this one, David Maurice Sharp was a dancer who accidentally found his way into finance. Caryn (06:37) And I really love that. Of course I have the background of being a musician, a performer, and then later an entertainment agent. But what was very cool is not only did he talk about, he teaches people in the arts about investing and managing the gig economy. And I've definitely been on both sides, the agent side of that and the entertainer side of that. And I really like that not only, you know, he talks about the basic things that anybody can imagine that people really should do when you don't have the steady income a lot of times, but he teaches them about mutual funds and investing and how important that is and how that can tie people over. And the fact that he himself, has that artistic background I think it helps him to talk to people. Also, he told everybody about dance your PhD, which is really cool. Like a literally an international competition where people in the sciences explain their doctoral research through interpretive dance. You definitely have to watch those videos. Like you can find them on YouTube. Marci (07:48) So were you able to get your nephew to dance his PhD? Caryn (07:50) Well, I caught him too late. Two nephews who just got their PhDs and yet neither of them were in time to dance them. Marci (07:59) I think you can still dance it after you get it. It's just that you have to really have a PhD. It doesn't have to be I think only in the year that you graduate with it or the year you earn Caryn (08:07) Ooh, yeah, because one of them got his PhD in physical therapy, so he should be able to dance it. Marci (08:15) Absolutely. My next guest, Ohan Kayikchyan, from Alohana. So I've only had this podcast a little over a year, but I've been guesting on people's podcasts for I think close to five years now. He's someone that I met on someone else's podcast. And we stayed in touch because we had similar topics and resources to share. I was thrilled I was finally able to have him as a guest. We talked about Maslow's hierarchy and family and the things you do to align your life and your goals. Caryn (08:50) Yeah, with him, I really liked hearing about the path that he took, going from Armenia to America and using the degrees he had in Armenia to pick up things in America. I don't think that it's gonna be something that other people will go, I could do the same thing, but it was interesting because back in Armenia he had the equivalent of an American PhD and he had mechanical engineering and infrastructure management but at the time he also in Armenia had learned about real estate. He became like a mortgage underwriter and a loan officer. So coming to America, he's like, Okay, what is the equivalence of these things? What can I learn? What degrees can I get? It was just an interesting story that he did. And also I liked that he's an enrolled agent, which means somebody who can talk to the IRS for you. Just really nice for people to know that there are people out there that can help you with things like that. So financial planner and an enrolled agent and so you know, just if they hear it a couple of times a season to know and remember there are people like that to look for, that'd be great. Marci (10:03) Well, you know, as a CPA I can talk to the IRS, but I don't like to talk to anybody, so Caryn (10:07) Yeah. Marci (10:10) I don't know if it was this season or the prior season where I actually ended up having a few enrolled agents. There's a lot out there. There are a lot of resources Caryn (10:15) I know what I think. Marci (10:17) out there and you never know who might be more than one type of resource. So when you're talking to any financial professionals you deal with, you want to find out more about them, find out the resources they offer because it's nice to know what you have available to you. And then we go on to Melissa Murphy Pavone, a collaborative divorce, Certified Divorce Financial Analyst and Certified Financial Planner. I had never heard of the CDFA designation. We talked about terms that I'd never heard, like divorce remorse. I love that. It's memorable. I've talked about divorce a few times on this show, different people, different perspectives, financial professionals that deal with divorce. And everyone has to find the right type of divorce professional to get them the divorce that is, in their best interest because there are two people involved in a divorce before you involve the professionals around you and before you even consider if there are kids. And you want to make sure you really evaluate where you need to go and what gets you the best turnout from the divorce. So really take advantage of figuring out the best way to do it for you. Caryn (11:36) Really fascinating how many specialists there are to help during a divorce because there's financial planners, there's real estate people, there are counselors for family dynamics. And some of them are mediators, but some of them are litigators, and some of them are counselors. It's so many people, I wish that some of the people I knew that had gone through divorces knew about all of that. She personally helps people decide what will truly be the best things for them to take away in a divorce. People might assume, I really want to have the house, or I really want to have retirement, or I really want to have investments. Well what is the best thing for you guys? That's specifically what she does, and she also works with all those other people to help. Marci (12:17) Okay, then I've got Jillian Hishaw, fascinating, an attorney. She started the FARMS family agriculture, resource management service, all these things I hadn't understood about family farms and hadn't realized about bankruptcy types and Medicaid liens and how these could impact your whole financial picture and again we get back to having the right professionals in your situation. If you've got a farm you want to go to an attorney, an accountant, whomever, that can help you make the best decisions. That's very specified knowledge. I love having people like that because I learn so many things I don't know. Caryn (12:59) Yeah, I've learned so much from this episode. And you know, she actually went into agricultural law because her own grandfather had been swindled out of land. He had trusted somebody who says, I have a law degree, I can help you with this. So she decided to learn all about it. She of course became an attorney, but learned all about the different kinds of bankruptcy and all about the different kinds of things that can affect the families and very, very much. I mean this is true of everybody, but definitely she said about the farms that you need a good trust, and you need it no matter what your situation is. She was actually talking about how you could beat the Medicaid and Medicare liens. And in some states when you go into a nursing home or a rehab facility, if you owe a debt to that facility, the facility can put a lien on your house or your car or your farm. So we learned a lot about that. She also talked about ways that family members can get paid as caregivers under Medicaid. So that if you're a family person taking care of somebody, you are a caregiver and can be eligible for compensation. Marci (14:13) Right. Right. And from Jillian we go to Crista Cloutier. So here we are back in the arts. She was living in Arizona, placing art at MoMA and Metropolitan in New York. And then she had a midlife correction, I love the term. She ended up packing it up to live in the south of France. She actually ended up in England working at a gallery. It ended up going bankrupt. She did as well. And now she is teaching and coaching artists to build sustainable careers. Her phrase, her takeaway was when you hit bottom you bounce. And I love what she's building. The things you learn by doing and here she was an artist and she talks to people, she had fascinating stories. Caryn (14:56) Yeah, I don't know if you mentioned it, but her coaching platform is called 'The Working Artist'. So it helps people to build sustainable careers and it can be used by people all around the world. I don't know if she has it in different languages, or if the people are just talking about what happens to them locally, but it helps them to do that. She pointed out that it's really important for the artists to have a career plan for their art and a business sense because she says that gallery owners, especially today, don't want to invest in artists who don't have a business sense. They really want to be business partners with the artist. They're not just like, here, give me your art. I'll do something with it. So she highly encourages the artist to learn all about that aspect of the business. Marci (15:45) Well, we can tie her together with David in that you need to look at yourself. You are an entrepreneur, you are a business person when you are a creative who creates something. You want to have the right level of control and the right level of knowledge to deal with your assets and your creations. And then we go to Barry Bradham, so we are going back to an entrepreneur, a technology entrepreneur. He founded Digilink. He's a serial entrepreneur. There seems a lot, once you want to be an entrepreneur, it's not uncommon you get the excitement from building the thing and then you want to find more things to build. He's always learning, focused on the future, and yet he's really working at setting those work/life priorities and goals for himself because he learned that growing up about who had time for him and so he's trying to find that balance for himself while creating technology and businesses. Caryn (16:44) Well, he passed on advice that he actually got from the founder of Priceline, which I thought was really nice advice. Spend twenty minutes every day learning about something that is completely out of your field because you never know when it's going to be useful. In fact he was following that advice and sure enough that has been useful to him before. But I thought that was nice. Read about something you don't know anything about every day. Marci (17:09) Well so here I am, I created my podcast for you to learn all this financial stuff. Caryn (17:15) But now I know it and I'm gonna have to like learn about something else. Marci (17:19) I guess I have to get more diverse guests so that I can teach you even more. And then Sonia Martinez-Trujillo. She pivoted from engineering to financial after her father passed away and she saw that there was a gap in service providers for Spanish speakers. And I love the multi generational conversation we had as well about understanding that, you know, there's from the professional side, there is money. There is a market there and for the client side, these are people who are looking to know that there are professionals out there who see them. Caryn (17:55) Yeah, she realized when she needed to get financial advice to help her parents that there were very few Spanish speaking advisors. But what she's finding now is that, you know, a lot of her most of her clients do speak English, but they like to have an advisor who understands their culture. How they, like their family, the extended family has always thought about money and done things. And then for a lot of them they might speak English but they might be more comfortable talking about things in Spanish, especially their money. So it was an important niche that she's filling for a couple of reasons. Marci (18:32) And that's important is that yes, there's the language part, but there also is that cultural part that needs to be part of the communication. And that doesn't mean you can only go to someone that came from the same circumstance or the same background, but it does mean you need to listen to each other and find the commonalities, find the right resources, find what they're really looking for. Listen. What do they say? Listen more than you talk. I guess that doesn't go for me very well. Caryn (19:03) Well, it would be hard to interview people if you didn't talk. Marci (19:06) Well, I do try to have them talk more than I do. Caryn (19:09) Yeah. Marci (19:09) Frequently before I hit the record button I'll say, Look, it's way more interesting the more you talk and the less I talk. Caryn (19:16) Mm-hmm. Marci (19:20) And then I come back to some CPAs, Kina Morgan and Kimberly Johnson, and really had a great time talking about the profession, their work focuses a lot on nonprofits as well as other things. They have a podcast where they share more knowledge as well. It's great to see other people out there also realizing that podcasting is a great platform to share educational knowledge with people, to share resources. Caryn (19:50) You know what? First of all I have to say that Kina co-owns CocoCakes in Georgia and you should everybody should go look at that website because it looks amazing. if only we lived in Tucker, Georgia. Look at that. But anyway, both of them, okay, let me think of the best way to say it. It's so important for high school programs to introduce people to different careers because that's you know, high school and college. Because Kina actually said that she was introduced to the idea of being an accountant in high school. She learned about it then, she found out she liked it, and she also found out that it was a really good career to have and sustain a job. So right from there she knew what she was gonna go into. She was excited about it early and you know, because her high school had was showing them all these different things and even allowing them to take an accounting class. And then for Kimberly in college she had a good advisor and that's important, career advising or academic advising because she says, I like math a lot, but I don't like science. What kind of career should I do? And the advisor goes, Ooh, why don't you see if you like taking an accounting class? See if you like it. And she loved it. So, you know, good programs, good advising, really important. Marci (21:08) And to anybody out there, high school, college students or parents of those, you have to remember to actually go to the advisors. They're not gonna magically impart their knowledge Caryn (21:16) Mm-hmm. Marci (21:18) if you don't go to their office hours or make an appointment or whatever else. Take advantage of these resources at your school, see if they can help you get placed into classes that would be a good fit that you would have never considered. Now we go on to Stefon Bowman. Financial Literacy Educator, fifth through eighth grade. That's so exciting because, we've talked about how high schools in various states it's starting to be mandated and required as a graduation requirement. I don't know of anywhere that it's required in middle school, but here he is. This is his passion. He started as a math teacher and he's an entrepreneur and a sneakerhead. He has built this financial literacy program for middle school and he's bringing it to the community. So it's not just, we're doing some stuff in class. it's become a community thing. His kids are becoming entrepreneurs and the school is supporting them in being entrepreneurs and what he's created is just a magnificent opportunity to see different ways that financial literacy can be brought to education. Caryn (22:26) I actually went down the rabbit hole to look at those schools and they're so impressive. So if you live in New Jersey, there's a collection of charter prep schools, and they're all the Knowledge Is Power Programs is what it is but it's a collection of schools that all have different themes and they just look so amazing and he's part of one of them. His particular school is the Bold Academy. So Knowledge is Power Programs, Bold is the one that he did. And he started as a math teacher and noticed that students who were confused about mathematical concepts understood much more quickly when the math was related to money. And so that was one of the first ways that he started getting interested in teaching the children about money because they understood those mathematical concepts so much more. And now they're running their own little businesses. Marci (23:18) I think that's so fascinating. I mean you gotta make sure they're not selling their cupcakes when they should be doing their homework, but it sounds like they've got a good balance and the support of the school to really bring this mathematical and business education into the school, the community and I just love what he's doing. Then I brought on Bill Mitchell where we talked about credit cards. Caryn (23:42) I just wrote this 'credit card debt history and management strategies'. I have like a ton of notes on him, probably because it was so interesting to me what they were saying. he had gone into like the history of credit cards, and just about debt, I shouldn't say credit cards, but like also debt relief, because businesses always had ways to negotiate with their creditors. Individuals often don't know that they can do this, especially in the past. Now people like him are trying to say, hey, it isn't this just isn't for businesses. This is for regular people. He was in, if I believe correctly, he was in on the bottom floor of the debt relief businesses. I mean, you see them advertised on TV now, but when he started the idea that just a regular consumer could get some kind of debt relief and negotiate with creditors without having to like go through bankruptcy. That was new and novel. And I think people still don't understand it. He's also, of course, helps people understand what kind of bankruptcy they would need if they need to do it as well. And I also like that he explained the difference between okay, should I get into the weeds and just say it because it was interesting? He talked about installment credit and revolving credit. Marci (25:01) Yeah, I'm gonna have to cut you off there 'cause I want people to go and listen to his episode and not have you tell them too much. And he also talked about ways to get your debt under control and to figure that out and as well as the services he offers to help for people who need active support on that. And then Deb Kierstead is a homeschooler financial literacy teacher, in Canada. I don't think that matters that it's Canadian dollars versus American, but I figured I'll put that out because I always love when I get to go international. It's interesting. I don't know if you know homeschoolers don't necessarily you don't just have your kids in your family room doing their learning and you teach them everything. There are homeschool groups where, you know, you might be the math teacher and someone else is the English teacher and someone else does the science and whatever else. And so she's the financial literacy teacher for this homeschooling group that she works with and she's created games and different ways to share that information and guess who's decided to show up? Hi Mo! Caryn (26:02) It's Morgana. Morgana heard about the games, which I thought was really cool that she created games for each thing. The example she gave is when you're trying to teach the kids about insurance, which is often, you know, for a lot of people not that interesting a subject. They watch their video that she made and do their worksheet and then they play games and what she's hoping is that the kids finally remember all of these games and while they're remembering the fun they had playing the games, they might remember the things better. And I think she's right, that probably does happen. And I really wanna know what the insurance ladder game is. Marci (26:39) Contact information for all my guests is in their show notes in the description. Clorissa Ritchie at Westera Credit Union, she deals with the financial literacy education that's available for communities. It's available as a resource for teachers. I love hearing that credit unions, because credit unions and banks are sometimes the only financial advisor, the financial resource that a lot of people have. If you're just starting out, if you don't have a lot of money, you might have your bank or credit union and nothing else. And showing that they offer these kind of resources. These are available on their website. It's something to check out and see the information that they have. Caryn (27:23) Yes, and I also liked, this is just a little career thing. Her path to doing the kind of marketing that she's doing now for her credit union was just the tons of conversations that she had with customers. Even though she's doing the tactical marketing not strategic, she knows how to reach the customers because like you said, they were coming to her and you know, she knows all of their stories and all of their needs. One of the things that she's noticing a lot is what she calls money dysphoria, a state in which people think that they're doing worse financially than they actually are. She tries to recognize this and counter this. So that they really understand. And it's kind of interesting because banks probably also see people that are like spending too much. They think they're doing better. But she sees the people that are so worried about it and she's trying to say, No, really, you're okay, look at these things, you can be confident in. So that was an interesting part of the conversation. Marci (28:23) it's great to be in a saving mindset, but don't let it control you when it's not really where you should be anymore. And I love as well that she is doing that Not just the you're not saving enough, but Hey, you know, you get to spend a little now too. Tom Bernard. I was fascinated by this one because I have mentioned mutual funds before. I think it's a great way to start investing when you have just a small amount of money and of course a lot of retirement plans, 401ks, what they have for you is they have mutual fund type options. To really talk about what an index fund is versus a mutual fund, and understanding the difference because so often you hear this is what the Nasdaq is at. You wanna beat the Nasdaq or you want to beat the S&P and understanding what it is and maybe you don't need to focus on, I have to create my own thing to beat the S&P but just I can buy an index fund and I'm running at the S&P. Caryn (29:24) Exactly. I think one of the things that he had talked about is how they looked at it over time, looking at the actual real data, and found that the S&P did as well or better as the funds that were trying to beat them. That's what I remember. Marci (29:43) Yeah, well and that's because of how the S&P is created. They take these funds and really you look at it and it was the top percentage of funds made up the biggest difference in it. Caryn (29:54) Mm-hmm. Marci (29:55) I sat on a investment committee where we joked that, you know, if we'd have known the one right fund to buy, we would have bought that we would have bought Apple at the right time. We would have bought Yahoo at the right time or whatever the stock was at the right time. But you don't know. No one knows. And they all try to do the best and they do all the research they can, but research and projections is not necessarily the way reality pans out. And the S&P does typically do fairly well. Obviously if it's the benchmark everyone is measuring against, it must be doing well enough that you're using it as a benchmark. Caryn (30:32) The benchmark, yeah. Marci (30:33) So buying an index fund gives you an opportunity to passively get that same kind of return. So I like the opportunity of being able to really explain what an index fund is. Marci (30:46) And then my final guest for the season barring this wrap up is Dr. Erika Rasure. We talked about how her family losing her dad young influenced her direction and her mind, body, money connection. Understanding guilt versus shame and I'm getting a cattail in my face as I'm trying to talk. And Erika recalled a teacher she had in school whom when the teacher retired shortly thereafter she passed away and so here's someone who had done everything right. They worked hard, they did their savings when they were supposed to, but they still never got the opportunity to enjoy what they were working for. So again, this is about that balance of finding ways to appreciate where you're at and what you're doing, that whole connection and that's so important. Caryn (31:48) Mm-hmm. The one thing I think we didn't talk well, we talked a little bit about it. I wrote down the yoga lady, but I don't know uses yoga in her financial because she calls herself the financial therapist. That would be really cool if she did. So I sometime would like to know if she actually incorporates that. But she does encourage actually you mentioned it first as but something that she encourages is for people to always talk to their friends and family about financial things. because that's how people learn and get different perspectives and you called it loud budgeting, which I know we've talked about it before, I just don't remember that term. Marci (32:26) Yeah, yeah, that's when you tell people, Okay, I'd love to do that, but that's not what I can afford right now, rather than calling in sick or going but just eating a side salad or whatever else, saying, You Caryn (32:39) Yeah. Marci (32:39) know what, I'd love to go out with you. That's not in my budget. Can we go to a less expensive restaurant or can I meet you after the expensive show or or whatever it is so people know where you're at and they're not like she doesn't want to join with us anymore. She's too whatever for us. It's okay. It's okay to be honest. That that doesn't mean you're saying, Hey, I want you to judge my choices. It's saying, This is my choice, this is where my money can or can't go right now. How do we work around that so we can still, you know, be and do? And then we get to the final episode of the season, the wrap up with Caryn. It doesn't get any better than that because it means I've had a fabulous season and we get to kind of chat about it. So there were a lot of different resources for financial education this time and a number of creatives, which was great. And I don't know, I really try to keep in mind the WCUT thoughts that I have, which is Would Caryn Understand This? To make sure that when I get a term or someone uses initials or something like that, I say, Okay, do I need to explain this so Caryn understands it? because there are things I understand, I know the term, but I use you as as my benchmark, you know, Caryn might not understand this. And I understand that, after four seasons, you probably understand a lot more than you did before, but I still try and take it back to Caryn from episode one would Caryn understand this Caryn (34:12) Yeah don't overestimate my memory. I heard it last season, I may not remember it this season. Marci (34:21) Well, I'd like to think that because I'm making you take notes and we're doing the wrap up, that you are learning and understanding more than when we started out. But I kinda keep that in my head to make sure I explain terms when someone uses them. Caryn (34:35) Yay, I'm sure everybody likes that. Marci (34:38) Sometimes I'm able to stop the guest and say, Hold on a second, can you explain that? Sometimes the guest catches it automatically. Sometimes I add it in editing. I'll say, Okay, that's what this means Caryn (34:49) I also notice that sometimes you'll like pop in a by the way this is not personal financial advice. We are just giving you information. Go see your own accountant. Marci (35:03) Well, and that's really important. I mean I could I could say it continually, I could put it in my introduction every episode, but then it starts feeling heavy handed, but then there are some episodes that I just feel like this is something I wanna make sure people know that everything we're saying, this is not financial advice. The only financial advice I'm giving is talk to a professional who knows you, who knows your situation. Because the best advice for you might be the worst advice for me. Or vice versa. And that's because situations can be different. Our finances are, so many things could be the same, but one little thing is different. And that difference can make a huge impact on on what is the right advice. So have you anything to say before we wrap up for the season? Caryn (35:51) No, I really I have no financial advice. Just I know I like I don't know. I guess my brain doesn't have anything. It's all been used up thinking about all the guests that we've had. Maybe that'll be helpful if we do this more often. Marci (36:10) Okay, so I think I am gonna shorten it up, but if I shorten it up starting in season five, then I'm not gonna be like on calendar quarters, but that might be fine anyway. My season is gonna start September, so it'll be September through November. So it'll be three months, but it won't necessarily be what we think of as a calendar quarter. Caryn (36:33) It's gonna be in line with the way I do things for my for my writing group. Because I change it like the season. So it's December, January, February, and then March, April, May Yeah. So Marci (36:46) well then I guess I'm aligning with your writing group, Caryn (36:49) It'd be better for me. Marci (36:50) perfect. If it's better for Caryn that's all I need. Okay. Well, on that regard, Caryn, thank you for being my wrap-up co-host and I appreciate having you and I'm sure the audience appreciates listening to someone other than me. Yeah. Caryn (37:05) Yay, thanks for having me. Marci (37:07) 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.