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The Seven Money Wounds Series: Scarcity Wound – Will There Ever Be Enough? · Rock My Finances

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  Speaker 1: Investment advisory and financial planning services are offered through Simplicity
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  Speaker 1: specific financial guidance.
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  Speaker 2: Before you make.
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  Speaker 1: a financial or tax professional to discuss your individual circumstances
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  Speaker 1: and objective.
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  Speaker 3: Welcome to the Rock My Finances show on k for
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  Speaker 3: HD Radio and Talk for TV, where we put the
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  Speaker 3: fund in finance joint powerhouse Jeffer Jos CDFA CMC and
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  Speaker 3: Private Wealth Advisor as she collaborates with you to create clarity,
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  Speaker 3: control and confidence with your money, your way. It's not
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  Speaker 3: about the zeros. So what is it all about? Let's
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  Speaker 3: find out now. Here's your host and weekly friend, Jennifer Jose.
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  Speaker 2: Welcome back. I love this series. This is called the
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  Speaker 2: Seven Money Wounds series. We are talking today about the
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  Speaker 2: wound number one, scarcity. The other wounds are shame, worthiness, control, trust, security,
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  Speaker 2: and identity. So today, y'all, we get to talk about
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  Speaker 2: the scarcity wound. Have you ever looked at your bank
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  Speaker 2: account and saw that you were financially okay, but you
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  Speaker 2: still felt a little anxious, maybe like a little pit
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  Speaker 2: in your stomach. Maybe you know you couldn't take deep breaths.
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  Speaker 2: Maybe you hesitated to spend money on yourself. I know
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  Speaker 2: a lot of women do that, even when you've planned
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  Speaker 2: for it and you have the money and it's a okay,
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  Speaker 2: But maybe you just avoid investing because you're afraid of
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  Speaker 2: losing what you've already worked so hard for. Or maybe
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  Speaker 2: no matter how much money you accumulate, you're always having
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  Speaker 2: that little voice in the back of your head that's saying,
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  Speaker 2: I don't have an enough or I'll never have enough.
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  Speaker 2: If any of that sounds familiar, this is a great
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  Speaker 2: episode for you. It might even sound like you're best
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  Speaker 2: friend or your spouse. So today we're talking about the
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  Speaker 2: first of what I call the seven money wounds. This
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  Speaker 2: is the scarcity wound. I want to begin by saying
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  Speaker 2: something incredibly important the listener be are you ready? A
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  Speaker 2: scarcity mindset isn't a character flaw. It doesn't mean that
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  Speaker 2: you're greedy, irresponsible, overly cautious. More than not, it's an
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  Speaker 2: emotional response that was learned many years ago. Scarcity is
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  Speaker 2: a belief that there will never be enough, not enough money,
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  Speaker 2: not enough opportunities, not enough security, not enough time, not
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  Speaker 2: enough success, and if we're honest, sometimes it even becomes
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  Speaker 2: a belief that we're not enough. Scarcity doesn't begin with
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  Speaker 2: your first paycheck. It usually begins with your first experiences
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  Speaker 2: around money, which you know, we all had that in
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  Speaker 2: our childhoods. So as children's we as children, we don't
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  Speaker 2: understand budget and money and mortgages and investing and paying
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  Speaker 2: bills and all that stuff, but we do understand feelings,
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  Speaker 2: and we can feel feelings as we're growing up. Right,
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  Speaker 2: we can notice tension within our parents when they're arguing
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  Speaker 2: over bills or just maybe even writing the bills out.
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  Speaker 2: Back in the day, my parents used to write checks.
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  Speaker 2: Remember that we had to like spend time with our money,
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  Speaker 2: and we've gotten away from that a lot. So I
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  Speaker 2: always have my clients do a money date a happy
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  Speaker 2: money date, but they definitely schedule on their calendar thirty
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  Speaker 2: minutes a week to spend time loving their money. For sure.
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  Speaker 2: Back in the day, we spend a lot of time
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  Speaker 2: with our Remember all the charts that would be out
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  Speaker 2: on the tables and the checkbooks, and you know, all
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  Speaker 2: the bills and opening up all that stuff and the
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  Speaker 2: stamps and all that great stuff. We don't do that
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  Speaker 2: anymore with all this online checking our online bill pays
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  Speaker 2: and stuff. So we want to make sure that we
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  Speaker 2: still are loving our money. We notice when we're young.
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  Speaker 2: We notice that silence when someone asks for something and
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  Speaker 2: the answer is we can't afford or maybe even did
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  Speaker 2: you ever like rehearse how you were going to ask
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  Speaker 2: your parents for something, or pick who you were going
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  Speaker 2: to go ask for something because maybe one person said yes,
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  Speaker 2: person said no, or whoever the adults were in your childhood,
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  Speaker 2: we notice fear when a job is lost in the household,
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  Speaker 2: or if we have to move like we notice all
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  Speaker 2: those things as children. We notice when the electricity gets
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  Speaker 2: shut off, or when vacations are canceled, or when we
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  Speaker 2: never go on vacations like growing up for me, we
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  Speaker 2: never really did that. We never went on an airplane,
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  Speaker 2: We never went any anywhere that We were all just
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  Speaker 2: very frugal. Right, or so, when we hear adults whispering
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  Speaker 2: about money and they think we've gone to bed, or
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  Speaker 2: maybe they might be fighting about money when they think
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  Speaker 2: we're in bed. Children don't usually understand the details, but
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  Speaker 2: they always understand emotions. So if you're now, if you
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  Speaker 2: have little kids around you or grandkids around you, be
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  Speaker 2: very aware your children are absolutely feeling what you are feeling,
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  Speaker 2: regardless of what you're saying. In fact, if we say
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  Speaker 2: something different than what we're feeling, all that does is
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  Speaker 2: create more chaos inside of our children because now they
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  Speaker 2: don't know who to believe, and trust comes is a problem.
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  Speaker 2: Those emotions become beliefs when we're children. Without realizing that,
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  Speaker 2: many children begin telling themselves stories. Money isn't safe, Money
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  Speaker 2: creates fighting, Money makes daddy leave, Money makes mom go
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  Speaker 2: silent and withdraw, Like my mom would get mad and
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  Speaker 2: just withdraw. She didn't do it very often, but boy,
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  Speaker 2: when she did it, it hurt like it was scary
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  Speaker 2: for me. I felt abandoned, I felt alone, and I
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  Speaker 2: didn't even know what happened. Right, We could feel it
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  Speaker 2: could disappear at any moment, right, the rug can get
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  Speaker 2: pulled out from underneath this. We have to hold on
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  Speaker 2: really really tight to everything I have because I don't
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  Speaker 2: want it to go away. We could create that as children.
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  Speaker 2: If I spend money, something bad might happen. These are
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  Speaker 2: all the little thoughts that children could be thinking. These
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  Speaker 2: stories often follow us into adulthood. If you've ever met
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  Speaker 2: somebody who's had plenty of money but completely terrified to
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  Speaker 2: spend twenty dollars on themselves. Now, I know there's a
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  Speaker 2: lot of sayings out there that rich people are rich
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  Speaker 2: because they they are frugal or whatever. But a lot
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  Speaker 2: of them it's not that they're frugal, it's that they're
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  Speaker 2: still terrified of losing what they have. So like every
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  Speaker 2: once in a while you'll hear somebody like, oh yeah,
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  Speaker 2: my chin, my friend's cheap. They don't want to do that.
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  Speaker 2: They don't want to do that. Well, maybe they're just terrified, right,
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  Speaker 2: So it's emotional things that are running things. Someone might
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  Speaker 2: check their investments accounts four or five times a day
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  Speaker 2: because they can't stop the worry. We all know worry
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  Speaker 2: is not healthy. Worry creates fine lines you'll worry creates anxiety, depression,
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  Speaker 2: takes years off our life, and does it do any good?
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  Speaker 2: Does it get us anywhere? Like worrying does not help
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  Speaker 2: at all. Someone else might refuse to retire because they
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  Speaker 2: keep saying just one more year, just a little bit
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  Speaker 2: more time. They're just really afraid of not having that
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  Speaker 2: paycheck come in every single year, and they might even
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  Speaker 2: have it. In fact, I do know someone has an advisor.
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  Speaker 2: Their advisor has told them you absolutely can retire, You're
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  Speaker 2: totally fine, and Nope, still can't do it. She's way
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  Speaker 2: too nervous. She doesn't so that to me. She doesn't
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  Speaker 2: trust herself, she doesn't trust her advisor. She has twist
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  Speaker 2: issues because she doesn't believe what's actually happening. So sometimes
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  Speaker 2: it's fear wearing the mask of responsibility. Scarcity doesn't always
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  Speaker 2: show up as having too little. In fact, a lot
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  Speaker 2: of times it doesn't. It's just the feeling of scarcity.
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  Speaker 2: My parents were very comfortable. My mom still had that
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  Speaker 2: scarcity wound from growing up in the depression. She was
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  Speaker 2: the fourth child, so they had a little bucket, a
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  Speaker 2: little trough thing that they all took baths in, So
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  Speaker 2: she was the fourth one that had to take the bath.
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  Speaker 2: She always got hand me dan clothes. She only had
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  Speaker 2: two pairs of shoes, you know, all that stuff. They
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  Speaker 2: had potatoes every night, you know, just not enough money
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  Speaker 2: for everything. So she came by scarcity mode very one,
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  Speaker 2: because that's how she absolutely grew up, and she healed
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  Speaker 2: a lot of her stuff. But she still saved so
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  Speaker 2: many little things all the time. She still does. She
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  Speaker 2: still saves so many different things. So it doesn't always
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  Speaker 2: show up as just having too little. Sometimes it shows
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  Speaker 2: up at never believing that you're going to have enough.
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  Speaker 2: So even though which I've met so many times, multimillionaires,
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  Speaker 2: they're totally fine with the retirement plan. They're doing very well,
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  Speaker 2: and now they're in their seventies, you know, not spending
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  Speaker 2: the money they have, and so even their required minimum distributions,
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  Speaker 2: which is what you're required to take out of retirement
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  Speaker 2: accounts at the age of seventy three, at this point,
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  Speaker 2: they give it back to me like they want to
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  Speaker 2: give it back to me. They don't want to spend
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  Speaker 2: it because they think there's not going to be enough
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  Speaker 2: when they would have to triple their spending right now
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  Speaker 2: in order to even get close to you know, living
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  Speaker 2: to one hundred and five and not having money, so
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  Speaker 2: there's no way they're going to spend all their money.
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  Speaker 2: But it is how they grew up in a scared
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  Speaker 2: city mindset and it's really hard to change. So that's
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  Speaker 2: why I want us all to be aware of this
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  Speaker 2: right now. It's a way exhausting way to live and
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  Speaker 2: it's not fun like we are supposed to all be
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  Speaker 2: here for fun. I want you to have fun. I
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  Speaker 2: want to have fun. That's what it's about, laughing, loving
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  Speaker 2: and enjoying life. That's all money is as a tool
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  Speaker 2: to help us enjoy life. So as a financial advisor,
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  Speaker 2: I've seen people with millions of dollars who still live
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  Speaker 2: with tremendous financial anxiety. And we all know anxiety is
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  Speaker 2: not good for us. I've seen people with much less
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  Speaker 2: who sleep wonderfully because they trust in their plan, they
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  Speaker 2: trust in themselves, and they trust in the universe, so
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  Speaker 2: they don't have that fear. They're not making decisions based
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  Speaker 2: on fear. The difference isn't the besize the portfolio at all.
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  Speaker 2: It's the difference that the story that they're telling themselves.
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  Speaker 2: Scarcity isn't measured by your bank account. It's measured by
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  Speaker 2: your thoughts. One biggest lie scarcity tells us is once
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  Speaker 2: I have more, I'll feel really safe. Than what happens.
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  Speaker 2: The finish line just keeps moving because first it's five thousand,
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  Speaker 2: and then it's ten thousand, and it's fifteen, then it's twenty,
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  Speaker 2: then it's thirty, then it's fifty thousand, then it's one
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  Speaker 2: hundred thousand, it's five hundred thousand, it's never enough, and
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  Speaker 2: it's a million. The number is always changing because as Americans,
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  Speaker 2: we spend what we make. Period. We spend what we make,
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  Speaker 2: and I know we all think we're going to spend
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  Speaker 2: lesser retirement, but we don't because of cost of living, travel,
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  Speaker 2: whatever our hobbies are, we spend eighty to one hundred
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  Speaker 2: percent close to what we spend in retirement. What we
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  Speaker 2: spend in our earning years, we spend in retirement. So
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  Speaker 2: it's not about zeros. I know, I say this all
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  Speaker 2: the time. It's not about the zeros. It's about a
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  Speaker 2: wound that we haven't healed. Okay, So it's not about
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  Speaker 2: the amount. It's about the safety that we feel. The
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  Speaker 2: good news is a scarcity wound can be healed y'all.
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  Speaker 2: Of course it can not overnight. Wish but not overnight,
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  Speaker 2: and it's not Once it's gone, it's never gone forever,
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  Speaker 2: right like we keep feeling that onion over all of
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  Speaker 2: our wounds. It takes time, one thought, one decision, and
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  Speaker 2: one belief at a time. And you got this. You
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  Speaker 2: can absolutely do this. The first coaching exercise I'd like
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  Speaker 2: you to do this week is called follow the feeling.
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  Speaker 2: The next time you feel anxious about spending money, don't
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  Speaker 2: immediately ask yourself whether you should buy it or not.
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  Speaker 2: Ask yourself, what am I feeling right now? What am
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  Speaker 2: I afraid of? Do I feel guilty? Do I feel
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  Speaker 2: untrusting of myself and this decision? Do I feel unsafe?
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  Speaker 2: Am I worried that something's going to happen if I
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  Speaker 2: make this decision? Write down your feelings. Pull out your
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  Speaker 2: money journal, and let's write down these feelings when we
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  Speaker 2: feel anxious. Remember, feelings aren't facts. Check out my other
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  Speaker 2: episode that I talk about all seven wounds, and it
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  Speaker 2: talks so much about feelings or not facts, They're just information.
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  Speaker 2: The second coaching exercise that I'd like you to do
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  Speaker 2: is called my earliest money memory. So take out your journal,
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  Speaker 2: your good old money journal, and write down the first
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  Speaker 2: memory you have involving money, What happened, Who was there?
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  Speaker 2: How old were you? Sometimes I can't guess my age,
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  Speaker 2: but I know, like what outfit I was wearing, or
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  Speaker 2: maybe I saw a picture or something. Most importantly, how
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  Speaker 2: did you feel around that money memory? Were you scared?
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  Speaker 2: Were you embarrassed? Were you ashamed? Did you feel left
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  Speaker 2: out because your family couldn't afford something? Maybe a lot
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  Speaker 2: of my clients that's their first that's their first money experience.
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  Speaker 2: Is when you know they have to go to school
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  Speaker 2: and they have something different than other kids at school.
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  Speaker 2: Did you watch your parents argue? Maybe? Is that your
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  Speaker 2: first money memory? Do you hear money doesn't grow on
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  Speaker 2: trees every single week? Do you remember that? Don't judge
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  Speaker 2: the memory. We're just acknowledging it, being aware of it.
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  Speaker 2: We're just simply observing it where data cane right now
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  Speaker 2: because awareness always comes before healing. So this is a
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  Speaker 2: really big part. We want to be aware and this
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  Speaker 2: is how y'all you get to know yourself and you
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  Speaker 2: get to love yourself. It's just like dating. We want
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  Speaker 2: to get to know someone right so that we can
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  Speaker 2: love them. Well, that takes communication. So that means that
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  Speaker 2: when you're loving yourself, you got to communicate with yourself.
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  Speaker 2: The third coaching exercise to identify your scar is to
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  Speaker 2: identify your scarcity statements. This is a good one. I
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  Speaker 2: need to do this again like often, So I think
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  Speaker 2: I'm going to take this on this week as well.
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  Speaker 2: Let's notice what we're saying, what we're telling ourselves for
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  Speaker 2: one week. Notice everything you say, like I can't afford that,
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  Speaker 2: I'll never have enough, I'm terrible with money, It'll probably
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  Speaker 2: I'll probably lose it. Anyways, write down every statement, then
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  Speaker 2: ask yourself, is this a fact or is this a
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  Speaker 2: belief that I learned. You may be surprised how many
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  Speaker 2: thoughts actually are not yours. They're actually inherited. Thank you childhood.
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  Speaker 2: That is just the truth. You've already started your money
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  Speaker 2: story way in childhood. So for for me, I don't
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  Speaker 2: say I can't afford that, but I do say I
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  Speaker 2: think I just say I can't do that right now
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  Speaker 2: when I need to reframe that. So I have a
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  Speaker 2: spending plan that lays out how much I can spend
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  Speaker 2: each month, and something pops up that's different, you know,
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  Speaker 2: like like this pickleball I'm going to do this pickleball league.
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  Speaker 2: I don't know. It's probably gonna be like one hundred
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  Speaker 2: and fifty bucks or whatever. That's not in my budget
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  Speaker 2: for this month. So it's gonna be a little extra
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  Speaker 2: this month. Okay, that's great, I put that in my
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  Speaker 2: spending plan. I'll take it out of my miscellaneous or whatever.
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  Speaker 2: So instead of saying I can't do that this month,
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  Speaker 2: I'm gonna say, how can I How can I move
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  Speaker 2: my money around to make this work? Isn't that different
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  Speaker 2: than I can't afford that or I can't do that.
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  Speaker 2: Because I'm at choice, I get to choose if I'm
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  Speaker 2: going to spend this money or not, so I can say,
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  Speaker 2: I'm gonna go look at my spending plan. I'm going
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  Speaker 2: to see how I can reorganize my money so that
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  Speaker 2: I can do the fun things that I want to do. Now,
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  Speaker 2: Will that mean maybe turning my air conditioning up one
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  Speaker 2: more level so it doesn't turn on kick on as much? Right?
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  Speaker 2: It could be simple as that. It could be taking
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  Speaker 2: less trips to the store to save on gas. It
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  Speaker 2: could be I don't know so many different things, right,
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  Speaker 2: making sure everything's unplugged around the house, or literally say
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  Speaker 2: no to another event so that I can do this event,
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  Speaker 2: all sorts of things, but I'm at choice. I have control.
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  Speaker 2: This helps me with scarcity knowing that I have control.
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  Speaker 2: But we want to start with positive statements, right, Okay.
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  Speaker 2: The fourth coaching exercise today is to create a new belief.
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  Speaker 2: Choose the old belief that no longer serves you. Like
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  Speaker 2: when I was growing up, I heard work hard, make money.
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  Speaker 2: You know you might have been hearing there's never enough.
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  Speaker 2: Money doesn't grow on trees, which kind of does right,
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  Speaker 2: replace it with something that's true, realistic, and empowering. This
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  Speaker 2: is what I do a lot of my coaching practice
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  Speaker 2: on with clients because they don't know how to really
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  Speaker 2: turn it around because it's so ingrained in them that
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  Speaker 2: they only can see the negative part of it. So
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  Speaker 2: I'm learning how to make financial decisions instead of I'm
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  Speaker 2: bad with money, or I'm never going to be good
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  Speaker 2: with money, or I never can understand this. There's a
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  Speaker 2: lot of people that come to me that say, I'm
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  Speaker 2: horrible at money, I can't do my money, I'll never
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  Speaker 2: be able to do it, like it's all you know,
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  Speaker 2: like never, never, never kind of thing. It's like, Okay,
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  Speaker 2: let's switch that around too. I'm learning how to make
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  Speaker 2: wiser financial decisions just simply I'm feeling better about my money.
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  Speaker 2: That doesn't have anything to happen, right, I can prepare
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  Speaker 2: for the future without living in fear. So I would
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  Speaker 2: even turn that one around too. I am feeling into
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  Speaker 2: my money relationship from love and wisdom. I don't have
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  Speaker 2: to let yesterday's experiences make today's decisions. I always say,
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  Speaker 2: your five year old is running your household right now, Oh,
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  Speaker 2: it's also running your relationship. In case you didn't know that, Yeah,
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  Speaker 2: your five year old is running your relationship. That's scary, right,
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  Speaker 2: if you haven't done any emotional growth on relationships, your
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  Speaker 2: five year old running your relationship, you might want to
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  Speaker 2: take a look at that. It's also running your money
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  Speaker 2: as well. And if you own a business like me,
• 17:13
  Speaker 2: it's running your business. So let's grow our five year
• 17:16
  Speaker 2: old up right, and let's look at these beliefs that
• 17:19
  Speaker 2: we are running our businesses on. Notice that these aren't
• 17:23
  Speaker 2: empty affirmations. I don't have to let yesterday's experiences make
• 17:28
  Speaker 2: today's decisions, but they're believable truths. That's another thing on
• 17:33
  Speaker 2: this homework, the fourth homework. When we are creating a
• 17:39
  Speaker 2: new belief, it has to be something that you can believe.
• 17:41
  Speaker 2: So the visual aspirations that everybody's talking about, like visualization
• 17:45
  Speaker 2: and Stuffie, I'm going to be a millionaire. I'm a millionaire.
• 17:47
  Speaker 2: I'm a millionaire, a million dollars coming, you know, billion
• 17:50
  Speaker 2: dollars whatever. If your body doesn't believe that, it's not
• 17:53
  Speaker 2: going to do any good whatsoever. So I can say
• 17:57
  Speaker 2: I am on track to financial independence. I am on
• 18:02
  Speaker 2: track to not outliving my money. I am on track
• 18:07
  Speaker 2: right like I'm I'm not there yet, but you want
• 18:10
  Speaker 2: you want it to do. You want it to say
• 18:12
  Speaker 2: something that your body is not going to kick back
• 18:14
  Speaker 2: and go that's bullshit. You know that's not true. You
• 18:17
  Speaker 2: don't want your body to reject it. So you want
• 18:20
  Speaker 2: to say truths only, truths only. That's what helps you
• 18:24
  Speaker 2: your brain begin to accept them. So I'm on my way.
• 18:28
  Speaker 2: I'm I'm learning. Okay. Finally, I'd like to ask yourself
• 18:32
  Speaker 2: one question every evening this week. Okay, did I make
• 18:37
  Speaker 2: today's financial decisions from fear or wisdom? Now, we all
• 18:42
  Speaker 2: make probably ten decisions, if not more a day. We
• 18:44
  Speaker 2: go to the store, we get gas, we buy things,
• 18:47
  Speaker 2: We say yes to pick a ball. Leagues like, we
• 18:50
  Speaker 2: do all different things, right, So look at those. Did
• 18:53
  Speaker 2: I say yes from fear or wisdom? Or I like
• 18:58
  Speaker 2: to say fear versus love? If I'm in love making
• 19:01
  Speaker 2: the right decision, it feels really, really good. There's no
• 19:04
  Speaker 2: right or wrong answer, So don't beat yourself up over
• 19:06
  Speaker 2: any of this. And it's not about making yourself feel guilty.
• 19:08
  Speaker 2: It's literally awareness. We can't heal what we're not aware of.
• 19:12
  Speaker 2: So the more you become aware, the more intentionally your
• 19:15
  Speaker 2: financial decisions will become I promise you, and I want
• 19:18
  Speaker 2: to leave you with this final thought. Scarcity isn't really
• 19:23
  Speaker 2: about money. It's really about safety. It's about you feeling safe.
• 19:28
  Speaker 2: Feeling begins when you realize that the frightened child inside
• 19:32
  Speaker 2: you that you've been trying to protect for years, that
• 19:36
  Speaker 2: it's okay, that child deserves compassion, and that child no
• 19:42
  Speaker 2: longer has to make your financial decisions. You're a grown
• 19:45
  Speaker 2: ass adult now. We need to be making our own decisions.
• 19:48
  Speaker 2: I'm a grown woman today. You are an adult. You
• 19:51
  Speaker 2: have knowledge, you have expertise, you have experience, and you
• 19:57
  Speaker 2: have choices and every time you choose wisdom over fear,
• 20:01
  Speaker 2: or love over fear, gratitude or appreciation over panic. Every
• 20:07
  Speaker 2: time the confidence is going to grow over scarcity. You're
• 20:11
  Speaker 2: rewriting your money story. Now. Remember, wealth is not what's
• 20:15
  Speaker 2: in your bank account. It's not about the zeros. It's
• 20:18
  Speaker 2: literally about the efford. How do you feel about the zeros?
• 20:23
  Speaker 2: Do you know you're worthy of it? Even if it's
• 20:25
  Speaker 2: small zeros it doesn't matter, or big zeros, it doesn't matter.
• 20:29
  Speaker 2: It's also about the peace and the calm feeling that
• 20:33
  Speaker 2: you feel when you're looking at your zeros, when you're
• 20:36
  Speaker 2: looking at your money. Date. I love this. This is
• 20:39
  Speaker 2: so great. So we've got our homework right, let me
• 20:43
  Speaker 2: scroll up here and see what our homework is. Oh,
• 20:46
  Speaker 2: we're going to redo our beliefs. This is really really
• 20:49
  Speaker 2: really really really really great. Okay. Our first thing is
• 20:55
  Speaker 2: we're going to ask ourselves what are we feeling? So
• 20:58
  Speaker 2: we're going to follow the feeling number one? What am
• 21:00
  Speaker 2: I feeling? Number two? What's my earliest money memory? Number three,
• 21:07
  Speaker 2: we're going to look at scarcity isn't really about money, no, no, no, sorry, sorry,
• 21:13
  Speaker 2: sorry I'm sidetracking you. Anyways, you got your homework, and
• 21:16
  Speaker 2: I want you to know that it's literally not about
• 21:22
  Speaker 2: the scarcity. It's about safety. I want you all to
• 21:26
  Speaker 2: feel safe. So that's why being a financial advisor, we
• 21:29
  Speaker 2: always do a plan, maybe even a plan A, plan B,
• 21:32
  Speaker 2: plan C, because you have the choice. I work for you.
• 21:37
  Speaker 2: I make sure that your plan fits you. And guess what,
• 21:40
  Speaker 2: it changes changes all the time, and that's okay. We
• 21:43
  Speaker 2: want it to change because your beliefs change, your confidence grows,
• 21:48
  Speaker 2: everything changes, which is awesome. So I hope you enjoy
• 21:51
  Speaker 2: the homework. I hope you're recreating your money beliefs in
• 21:54
  Speaker 2: your money story so that you can actually just feel better.
• 21:58
  Speaker 2: When we feel better, we're healthier, we're going to live longer.
• 22:00
  Speaker 2: Just saying thank you so much for watching this episode
• 22:03
  Speaker 2: and come back for the others, because this is only
• 22:05
  Speaker 2: number one. We're going to come back for all seven
• 22:07
  Speaker 2: wounds around our money. I want you to be able
• 22:10
  Speaker 2: to check out these episodes and walk away saying I
• 22:13
  Speaker 2: rock my Finances.
• 22:15
  Speaker 3: We appreciate you joining us today, and don't forget to
• 22:18
  Speaker 3: subscribe to the rock my Finances YouTube channel for more
• 22:21
  Speaker 3: engagement and bonus content. Tell me what is your money story?
• 22:26
  Speaker 3: Let's find out with Jennifer right here on K four
• 22:29
  Speaker 3: HD radio and Talk for TV. It's not about the zero,
• 22:33
  Speaker 3: it's about the F word. Feelings, feelings Jennifer can't wait
• 22:37
  Speaker 3: to explore with you next week. Until then, let's all
• 22:41
  Speaker 3: say I rock my finances.