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What are the Real Basics of Money in Your 20s (That Actually Work) · Rock My Finances

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  Speaker 1: provided as a general information as not intended to be
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  Speaker 1: specific financial guidance. Before you make any decisions regarding your
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  Speaker 1: professional to discuss your individual circumstances and objective.
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  Speaker 2: Welcome to the Rock My Finances show on k for
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  Speaker 2: HD Radio and Talk for TV, where we put the
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  Speaker 2: fund in finance. Join Powerhouse Jeffer Jos CDFA CMC and
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  Speaker 2: private wealth advisor as she collaborates with you to create clarity,
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  Speaker 2: control and compidence with your money, your web. It's not
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  Speaker 2: about the zeros, So what is it all about? Let's
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  Speaker 2: find out now. Here's your host and weekly friend, Jennifer Jose.
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  Speaker 1: Hey, y'all, welcome back to Rock my finances. This is
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  Speaker 1: a great episode. This is for ladies in their twenties.
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  Speaker 1: Now we might know if we're beyond twenty, like me
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  Speaker 1: three or four times, if we might know someone in
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  Speaker 1: their twenties, we might have someone in our family that's
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  Speaker 1: in our twenties, or our friends' children, wherever it is.
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  Speaker 1: So listen up because this is great information and it
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  Speaker 1: might help you no matter what age you are. We
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  Speaker 1: are going to talk about the difference between budgeting and
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  Speaker 1: a spending plan. We're going to talk about the difference
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  Speaker 1: between goals and dreams. Basically what's real and what's not.
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  Speaker 1: The biggest piece of all, we're going to talk today
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  Speaker 1: about your emotions around money and how it absolutely is
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  Speaker 1: driving your decisions. So first I want to say, keep
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  Speaker 1: on dreaming. Now, if you're my age, you're going to
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  Speaker 1: know what I say when I say keep on trucking.
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  Speaker 1: That was a whole thing when I was growing up.
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  Speaker 1: Keep on truck and anyways, I want you to keep dreaming,
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  Speaker 1: enjoy it. Do not worry about your bank account when
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  Speaker 1: you're dreaming. These are separate things. I promise you. Life
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  Speaker 1: is amazing. When you're in your twenties, you have the
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  Speaker 1: whole world at your feet. You have no idea what's
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  Speaker 1: going to be happening with your life, and I can
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  Speaker 1: tell you right now it will change of what you
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  Speaker 1: think it's going to do. So all we can do
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  Speaker 1: is lay out the best plan possible and dream along
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  Speaker 1: the way. And when we accomplish different things, it might
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  Speaker 1: change our dreams. I'm giving you permission to change your
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  Speaker 1: dreams at any time, At any moment, you can be
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  Speaker 1: on one trajectory and say, wait, you know what, this
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  Speaker 1: one's a little bit better. You might get a different job,
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  Speaker 1: you might meet a different person, something tragedy might happen
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  Speaker 1: in your life and change you completely. It's okay. We
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  Speaker 1: are going to change, and we're going to give you
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  Speaker 1: permission to change, so don't stop breathing. And at the
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  Speaker 1: same time, we still have to live in reality with
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  Speaker 1: our numbers. We still have to be real within our spending.
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  Speaker 1: So I want you to be able to do both.
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  Speaker 1: I want you to have all your dreams. It's really
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  Speaker 1: fun to be able to dream and actually think what's
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  Speaker 1: out there. And I want you to have your goals
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  Speaker 1: as well. The difference is your goals are going to
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  Speaker 1: be clear. I want you to have concise goals that
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  Speaker 1: are attainable, that are reachable. That's something that you can
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  Speaker 1: actually accomplish and something that you can take action on.
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  Speaker 1: You can put a behavior behind either weekly, monthly, annually.
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  Speaker 1: It's something that we can project, we can forecast for,
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  Speaker 1: we can plan for basically, but that's not taking away
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  Speaker 1: from your dreams. I want you to dream. Your dreams
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  Speaker 1: are daily. This is something I want you to do
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  Speaker 1: every single day. They can be bigger like your small
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  Speaker 1: goal to a big a stretch goal we call it
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  Speaker 1: as well. I want you to just be more open,
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  Speaker 1: be more expansive, and know that this is your vision
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  Speaker 1: of maybe who you're going to be or the lifestyle
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  Speaker 1: that you want. We always need to have a dream bucket,
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  Speaker 1: I promise you. Now. With social media out there, I
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  Speaker 1: know that it is helping you to dream big. It's
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  Speaker 1: also helping to have fomo fear of missing out, showing
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  Speaker 1: you a lifestyle that you might not have that you
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  Speaker 1: would like to have. So I want you to be
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  Speaker 1: able to take all of those and put them in
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  Speaker 1: the dream bucket. Anything that you see that you might like,
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  Speaker 1: then we're going to dream about that. We're going to
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  Speaker 1: put that in our bucket that's really really good day
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  Speaker 1: dreaming is a okay. Okay, So in fact, I'll think
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  Speaker 1: I'll do a whole episode on how we can actually
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  Speaker 1: use that as manifesting. So I also don't want you
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  Speaker 1: to completely be focused on just numbers, but we need
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  Speaker 1: to be aware of them, Okay. So I want you
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  Speaker 1: to love your numbers. I want you to know what's happening.
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  Speaker 1: I want you to know what's happening with your money,
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  Speaker 1: with your spending. What are you spending it on? What
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  Speaker 1: do you want to spend it on. I don't want
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  Speaker 1: you just penny pinching for the sake of penny pinching.
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  Speaker 1: It can actually limit your abundance. But I want you
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  Speaker 1: to feel expanded and not restricted. So we're not going
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  Speaker 1: to be budgeting. We're going to create a spending plan
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  Speaker 1: which helps us be responsible to money. Right, it's going
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  Speaker 1: to tell money and the universe. Hey, I got this.
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  Speaker 1: I'm responsible, I'm not overspending, I'm not going crazy on
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  Speaker 1: my credit cards. I'm respecting myself. I'm respecting my money.
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  Speaker 1: And yes, I want to know my numbers, but I
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  Speaker 1: also want to keep my dream bucket, and I want
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  Speaker 1: to make sure that we're feeling really good inside of
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  Speaker 1: our lives and that we allow more to come into
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  Speaker 1: our life. So at the end of the day, this
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  Speaker 1: is all going to come back to your relationship with money.
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  Speaker 1: When you feel good about money, when you trust yourself,
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  Speaker 1: when you have a clear picture of what you want,
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  Speaker 1: that again can change. But we at least want to
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  Speaker 1: start somewhere. Then everything starts to shift. So why should
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  Speaker 1: we save? We're going to have We're going to have
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  Speaker 1: some homework here while we've got lots of goodies to
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  Speaker 1: share with you. We've always heard save, save, saved, right,
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  Speaker 1: so why should we save? And do you feel wrong
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  Speaker 1: that you're not saving enough? We all do, no matter
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  Speaker 1: what age we are, we feel like we should have
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  Speaker 1: saved more shit save enough. I can say that one
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  Speaker 1: of the tips is definitely saving early. So we're going
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  Speaker 1: to get you all dialed in now. So this is
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  Speaker 1: going to be your habits that you take throughout your life.
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  Speaker 1: When you're just figuring out everything for the first time,
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  Speaker 1: it feels scary, it feels the unknown, and it actually
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  Speaker 1: can feel kind of exciting too. So the truth is
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  Speaker 1: it's not just about the numbers. It's about your behavior,
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  Speaker 1: your beliefs and what you are taught are not taught
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  Speaker 1: growing up. So here's some homework. What was the theme
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  Speaker 1: around money in your household when you were growing up?
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  Speaker 1: Meaning my theme was work hard, make money Because my
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  Speaker 1: parents owned a business. We worked seven days a week
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  Speaker 1: throughout a sixty five days a year, so it was
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  Speaker 1: always work hard, make money. How do you feel about
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  Speaker 1: the about money or just how do you feel inside
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  Speaker 1: your body when the topic of money comes up. We
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  Speaker 1: want to be aware of that. So you're gonna get
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  Speaker 1: a journal and you're gonna write all these things down.
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  Speaker 1: You might even think of some experiences that happened during
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  Speaker 1: that time. Then I want you to write a money
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  Speaker 1: from that child in your childhood. So I can remember money,
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  Speaker 1: probably around eight years old, and so I know that
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  Speaker 1: little girl who I was at eight years old, I
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  Speaker 1: had a best friend and we always She was one
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  Speaker 1: of six, so they didn't have a whole lot of
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  Speaker 1: funds to be going to Orange Julius and to get
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  Speaker 1: pizza and to go bowling and you know, to do
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  Speaker 1: the fun stuff. So and I was an only child
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  Speaker 1: growing up in my household, so my parents would always
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  Speaker 1: pay for her to come with me, which was amazing.
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  Speaker 1: I loved it and I really needed it. So that
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  Speaker 1: helped me feel really generous. It helped me feel really like,
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  Speaker 1: that's just the way things are going to be. That's
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  Speaker 1: the way you should be. You should always be helping
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  Speaker 1: your friends come along with you to have a good time.
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  Speaker 1: So that's the lesson that I learned. One of the lessons,
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  Speaker 1: So as that little eight year old girl write a
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  Speaker 1: letter to money, how does money make you feel? Well?
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  Speaker 1: For me? At that time, money made me feel great,
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  Speaker 1: made me feel made me feel important, It made me
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  Speaker 1: feel fun free. We had the best memories from money.
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  Speaker 1: It was great. Now, if you grew up in a
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  Speaker 1: childhood that we had, you know, arguments around money, you
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  Speaker 1: could grow up and think that money means fear, money
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  Speaker 1: means contentious, money means arguments. Right, it could be any
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  Speaker 1: of that. So we want to look at that. We
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  Speaker 1: want to write a letter. It could be good, bad,
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  Speaker 1: or indifferent, doesn't matter. But I want you to see
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  Speaker 1: that because you're gonna be surprised on what comes up.
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  Speaker 1: Then you're going to look at your current beliefs now
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  Speaker 1: and you're gonna say, Okay, did that come from my
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  Speaker 1: childhood or did that come from me as a grown
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  Speaker 1: ass adult woman right now saying Okay, this is what
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  Speaker 1: I believe in money, like, work hard make money to
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  Speaker 1: me is not true anymore. I doubled my income the
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  Speaker 1: most money ever the year I didn't even hardly work,
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  Speaker 1: So work hard make money is not accurate. However, put
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  Speaker 1: time in to become an expert in your field. Yeah,
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  Speaker 1: I've done that, and we can all do that, right,
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  Speaker 1: but it feels good because I love it. So that's different.
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  Speaker 1: So we want to look at our beliefs now compared
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  Speaker 1: to what they might have been at that eight year
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  Speaker 1: old child, and then the beliefs that we don't want.
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  Speaker 1: Those are what we're going to work on. Most of
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  Speaker 1: us were taught save for any day. But this doesn't
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  Speaker 1: mean this doesn't really motivate anyone like I know I'm
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  Speaker 1: supposed to say, also doesn't provide shame for us on
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  Speaker 1: what we're not doing better at. So I don't want
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  Speaker 1: you to think about saving money for ready day we're
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  Speaker 1: going to That's just like some random future and an
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  Speaker 1: emergency that we don't even want. I want you to
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  Speaker 1: think of something different when your friends are going to dinner,
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  Speaker 1: when you're planning a trip, or when you get invited
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  Speaker 1: to go for like I just got invited for a
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  Speaker 1: pickleball weekend. All of these things weren't in my budget
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  Speaker 1: at the moment or at my spending plan at the moment.
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  Speaker 1: So now I need to look at the fact, where's
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  Speaker 1: that coming from, where's it happening? So that's my fun bucket,
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  Speaker 1: right So we want to plan, So of course we're
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  Speaker 1: going to choose what we want to do in our
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  Speaker 1: life right now. So that doesn't mean that we're bad
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  Speaker 1: at saving, doesn't mean that you're doing a bad job.
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  Speaker 1: It just means that it feels better spending now and
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  Speaker 1: in the moment. And we're always going to do what
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  Speaker 1: feels better, which is why we have to pay attention
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  Speaker 1: to your f word, how do we feel? We need
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  Speaker 1: to know how we feel all the time. So if
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  Speaker 1: your money doesn't have a purpose, then you will spend
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  Speaker 1: it every time every time. So when you need something
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  Speaker 1: real to save for, it's going to provide you peace
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  Speaker 1: of mind, independence, We're going to be able to travel,
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  Speaker 1: You're going to have options, and when your money has
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  Speaker 1: a purpose, saving becomes a choice, not a restriction. And
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  Speaker 1: I can tell you right now this is the biggest
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  Speaker 1: thing I can tell you starting that with your financial
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  Speaker 1: career and your financial life and this amazing financial relationship.
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  Speaker 1: When you respect money and it respects you, that's great.
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  Speaker 1: But you've got to respect yourself first and show money
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  Speaker 1: that you respect yourself first. And that's how we do
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  Speaker 1: it is our spending plan, and we start saving for
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  Speaker 1: the things that we want to do ahead of time.
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  Speaker 1: If we have debt, we want to pay off our debt.
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  Speaker 1: That's exciting, celebrate that. So when we have our spending plan,
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  Speaker 1: this is where our goals come in. It's very exciting, right.
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  Speaker 1: So I talk in buckets. So if you have a
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  Speaker 1: fun bucket, I want everyone to have a fun bucket,
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  Speaker 1: a travel bucket, maybe a birthday bucket you like to
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  Speaker 1: celebrate your birthday. Maybe a gift bucket. You have friends
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  Speaker 1: that you like to give gifts to for their birthdays
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  Speaker 1: or something. You want to make sure you have enough
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  Speaker 1: money at that time. You want to have other goals.
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  Speaker 1: Maybe you want to take your beautiful mom out for
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  Speaker 1: mothers they just saying, y'all. Maybe you want to go
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  Speaker 1: on a trip. These all need to be looked at,
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  Speaker 1: and this is where your dreaming comes in. You might
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  Speaker 1: want to buy a home. You might want to buy
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  Speaker 1: a second home. You might want to buy a car,
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  Speaker 1: you might want to do a lot of decorating inside
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  Speaker 1: your house. There's lots of things that we want to do.
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  Speaker 1: We all want a new wardrobe, right, that kind of
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  Speaker 1: always happens. So we want these different buckets to spend.
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  Speaker 1: To say, for on our spending plan, I'm going to
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  Speaker 1: put my money here. I'm going to put my money here,
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  Speaker 1: and then I'm going to wait for that trip. So
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  Speaker 1: instead of standing in line at Starbucks lying a coffee,
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  Speaker 1: you might say, you know what, I'm not going to
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  Speaker 1: do that. I'm gonna go home and make a coffee.
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  Speaker 1: My girlfriend, Debbie, we actually did a couple podcast episodes too.
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  Speaker 1: You can hear her. She's hilarious. So she came to
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  Speaker 1: visit and I showed her my little coffee maker and
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  Speaker 1: my little froth and she went to get coffee all
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  Speaker 1: the time. And so now she's like, I haven't gotten
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  Speaker 1: coffee since I loved your house. I love my frother.
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  Speaker 1: So she's still happy with it, but she's just changing
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  Speaker 1: her way of life. Now she doesn't have to use
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  Speaker 1: her gas, her car, her miles, the money all of
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  Speaker 1: that stuff. Not saying that she doesn't have it just
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  Speaker 1: means she's choosing to put her money in a different place.
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  Speaker 1: You are at choice with your money. It's awesome. So
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  Speaker 1: I want you to be able to look at where
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  Speaker 1: you want your money to go and another reason for
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  Speaker 1: it when you say no, I'm not going to do that,
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  Speaker 1: because I'm going to put my money someplace. Elf. Also,
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  Speaker 1: remembering you did not start from zero, y'all. You didn't
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  Speaker 1: walk into this body with your relationship with money. It
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  Speaker 1: was created for you and you were shown how to
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  Speaker 1: deal with money in your childhood. The relationship with money
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  Speaker 1: was modeled for you growing up. So maybe money was tight,
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  Speaker 1: maybe people avoided it, Maybe they spent too much, maybe
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  Speaker 1: they did emotional spending. Maybe they lied and said, don't
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  Speaker 1: tell doubt I bought this. That seems to be common
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  Speaker 1: around here. Or maybe no one planned about it, talked
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  Speaker 1: about it, discussed it. You didn't even know money was
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  Speaker 1: a thing. Whatever you whatever you saw, I promise you
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  Speaker 1: absorbed it. Your brain can never unthink a thought. Sorry,
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  Speaker 1: it's in there. It's in our amazing file cabinet. So
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  Speaker 1: if you are over spending on something, or if you
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  Speaker 1: are avoiding your numbers or feeling anxious that did not
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  Speaker 1: come out of any nowhere, that actually was learned behavior.
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  Speaker 1: And the great news is you get to change it
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  Speaker 1: as an adult that you are now, so you can look
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  Speaker 1: at your habits and is this a habit that came
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  Speaker 1: from me? Or did I inherit this habit from my childhood?
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  Speaker 1: And was I shown this? Did I learn this? And
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  Speaker 1: do I want to keep it? This is where the
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  Speaker 1: shift starts right here. Do I believe in that? I
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  Speaker 1: still believe in working hard, absolutely, I also believe in fun, joy, happiness.
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  Speaker 1: So yeah, I work hard. I say I'm a hard worker,
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  Speaker 1: but I love it. So it's not like you're thinking, right,
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  Speaker 1: I mean, I know some people that have three four jobs.
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  Speaker 1: They're working way hard. That's way more you know, man
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  Speaker 1: labor and time than I would ever want to do.
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  Speaker 1: So you want to look at what you are willing
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  Speaker 1: to do. This means when we're tracking or spending, we're
• 14:46
  Speaker 1: doing all of it every dime. We're not going to
• 14:50
  Speaker 1: guess on what's happening. How much do I think I
• 14:52
  Speaker 1: spend on food? Oh maybe two fifty three fifty. Then
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  Speaker 1: you do your spending plan and you're only spend one
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  Speaker 1: hundred and eighty versus you're doing your spending plan, you're
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  Speaker 1: doing six hundred. You don't know, so we just need
• 15:01
  Speaker 1: to know. You're a data collector. That's it. When you're saving,
• 15:04
  Speaker 1: you can either save your receipts. You can look at
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  Speaker 1: your credit card statements and your bank card statements, whatever
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  Speaker 1: is realistic for you. We need to go look at
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  Speaker 1: everything and we need to see what's happening. This is
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  Speaker 1: your money date. Yes, the first thing you're going to
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  Speaker 1: do is get your money journal. Start journaling, and you're
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  Speaker 1: going to create a money date in your calendar every
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  Speaker 1: week without fail. I do mind Friday nights or Sunday nights,
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  Speaker 1: depending on the week. I love it. We're going to
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  Speaker 1: have a good time on our money date. But this
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  Speaker 1: needs to be a priority. You're telling the universe, you're
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  Speaker 1: telling yourself that you are a priority and that your
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  Speaker 1: money is a priority. We're going to sit down, we're
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  Speaker 1: going to look at our numbers. No shame, no guilt,
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  Speaker 1: just awareness, because you cannot feel in control of money
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  Speaker 1: when you do not look at it. Think of it
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  Speaker 1: as just another relationship. If you have a good relationship
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  Speaker 1: with a friend or a lover. You're going to put
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  Speaker 1: time and energy into that relationship. You have to do
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  Speaker 1: the same with money. All you just do And here's
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  Speaker 1: why people get tripped up. Life costs more than what
• 15:59
  Speaker 1: we think it is. It's never just dinner. It's dinner,
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  Speaker 1: it's ginner. It's ginner. It's dinner plus tip and tax. Right,
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  Speaker 1: so you've got to add on to that, maybe one drink,
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  Speaker 1: maybe two. You might even have a third after dinner drink,
• 16:13
  Speaker 1: plus the uber that gets you there, or the gas
• 16:16
  Speaker 1: that's spinning in your car. It's never just visiting a friend.
• 16:20
  Speaker 1: It's visiting a friend with the welcome gift or the
• 16:23
  Speaker 1: class of wine or the bottle of wine. Now you
• 16:25
  Speaker 1: have gas to get there as well. We have to
• 16:28
  Speaker 1: can take into consideration everything that goes around this in
• 16:30
  Speaker 1: our spending plan so that we have real numbers. Is
• 16:34
  Speaker 1: there bridge tolls? I know in California a couple bridge tolls.
• 16:37
  Speaker 1: You know that's ten, ten to fifteen bucks here and there,
• 16:40
  Speaker 1: like it adds up, So we need to look at everything. Also,
• 16:43
  Speaker 1: look at your groceries. Where do you shop? Can you
• 16:46
  Speaker 1: get a better deal? Be aware of where you're putting
• 16:48
  Speaker 1: your money. These are real life details that can actually
• 16:51
  Speaker 1: determine whether you feel in control or you feel constantly behind.
• 16:55
  Speaker 1: So once you're tracking, and the next stapp is to forecast,
• 16:58
  Speaker 1: do I want to continue money in this category? Do
• 17:01
  Speaker 1: I like living like this? Or do I want to change?
• 17:05
  Speaker 1: And let's be realistic, most of us are going to
• 17:07
  Speaker 1: change something right, which is great. So then we're going
• 17:10
  Speaker 1: to put that in our spending plan. Then we're going
• 17:12
  Speaker 1: to set up some simple ground roles. We want to
• 17:15
  Speaker 1: set goals within our world that we have, not to
• 17:18
  Speaker 1: be perfect, but just to have something to shoot for.
• 17:22
  Speaker 1: We want to get out of debt if we're in debt.
• 17:24
  Speaker 1: We don't want to have debt. Besides, I use my
• 17:26
  Speaker 1: credit cards for points or an emergency, right, not just
• 17:31
  Speaker 1: for extra money in your household, because the debt will
• 17:33
  Speaker 1: eat you alive. So either emergencies or for points something
• 17:37
  Speaker 1: like that. And yes, we need to save something every month.
• 17:40
  Speaker 1: That is your goal. Your goal is to be debt free,
• 17:43
  Speaker 1: living within your means and saving on a monthly basis,
• 17:47
  Speaker 1: even if it's small to begin with. But again, we
• 17:50
  Speaker 1: can't just save for no reason, so you have to
• 17:52
  Speaker 1: have a reason. That's why we spend so much time
• 17:54
  Speaker 1: in our money day to find out where you want
• 17:56
  Speaker 1: to go, what do you want to do? Where do
• 17:57
  Speaker 1: you really want to spend your money in. That's what
• 18:00
  Speaker 1: everything changes is when you look at everything. So you
• 18:02
  Speaker 1: don't have to necessarily skip dinner if you're looking at
• 18:07
  Speaker 1: your bank account or whatever. But you might want to say,
• 18:10
  Speaker 1: you know what, I'm going to go next week instead
• 18:13
  Speaker 1: of this week, and it's going to bring you peace
• 18:14
  Speaker 1: of mind. It's going to bring you a freedom that
• 18:17
  Speaker 1: you just can't get from anywhere else. And you get
• 18:21
  Speaker 1: to say, what do I want my money to do
• 18:23
  Speaker 1: for me? What brings you peace of mind, what brings
• 18:26
  Speaker 1: you clarity, what brings you control? What feels good to you?
• 18:30
  Speaker 1: So check in with your body, check in with yourself.
• 18:33
  Speaker 1: How do I feel about this? Like a gift giving,
• 18:36
  Speaker 1: are you a huge gift giver or small gift giver?
• 18:39
  Speaker 1: Are you a once a year gift giver? Or are
• 18:40
  Speaker 1: you constantly taking gifts to someone? Does that light you up?
• 18:45
  Speaker 1: If you get love? If you feel love your what
• 18:49
  Speaker 1: was it love language? If that is gift giving, then
• 18:51
  Speaker 1: that's going to be something inside your forecasting spending plan.
• 18:55
  Speaker 1: If you're like me and I'm brugal Fanny here. I
• 18:59
  Speaker 1: love a good deal, So my shopping might be different
• 19:02
  Speaker 1: than your shopping because I love a good bargain. Now,
• 19:05
  Speaker 1: am I going to drive around all day for it? No?
• 19:08
  Speaker 1: My time's also precious. So once we look at our
• 19:11
  Speaker 1: spending plan, we see where all our money is going.
• 19:14
  Speaker 1: Is your values showing up where you're spending your money?
• 19:18
  Speaker 1: I love that? What do we value? Well, it's a
• 19:22
  Speaker 1: good time to start looking at our values. Is it
• 19:24
  Speaker 1: showing up in our money? Put your money where your
• 19:26
  Speaker 1: values are. It feels really good at the end of
• 19:29
  Speaker 1: the day. So we're going to start simple. We're going
• 19:32
  Speaker 1: to start with our weekly money date. We're going to
• 19:34
  Speaker 1: be looking at our numbers, not for judgment, just for data.
• 19:37
  Speaker 1: And then we're going to ask our questions what do
• 19:40
  Speaker 1: I want my money to do for me? Because once
• 19:43
  Speaker 1: we answer that, everything else starts to fall in place.
• 19:47
  Speaker 1: And what I kind of learned about myself is, am
• 19:52
  Speaker 1: I'm more worried about what people think about me like cloths, cars, purses, shoes, whatever.
• 20:00
  Speaker 1: Am I worried about how I'm showing up somewhere? Or
• 20:03
  Speaker 1: am I worried about how I am being and how
• 20:06
  Speaker 1: I feel when I'm dealing with money and how do
• 20:09
  Speaker 1: I feel when I'm showing up in the world. So
• 20:11
  Speaker 1: this is a great chance for you to look at
• 20:14
  Speaker 1: who am I and who am I being when I
• 20:17
  Speaker 1: walk into the door. I want you to care about
• 20:20
  Speaker 1: that inside more than you care about what do they
• 20:23
  Speaker 1: think of me. I hope you're getting that from this
• 20:25
  Speaker 1: wonderful episode of what am I do in my twenties?
• 20:28
  Speaker 1: And what are people not talking about? So we're talking
• 20:31
  Speaker 1: about your relationship with money? To step it up and
• 20:36
  Speaker 1: make sure that you're loving your relationship with money so
• 20:38
  Speaker 1: that you can absolutely manifest the abundance life that you
• 20:41
  Speaker 1: totally deserve. I hope you enjoyed this episode and I
• 20:44
  Speaker 1: want you to be able to walk away with it
• 20:45
  Speaker 1: and say I rock my Finances.
• 20:49
  Speaker 2: We appreciate you joining us today, and don't forget to
• 20:51
  Speaker 2: subscribe to the Rock my Finances YouTube channel for more
• 20:55
  Speaker 2: engagement and bonus content. Tell me what is your money story?
• 21:00
  Speaker 2: Let's find out with Jennifer right here on K FOURHD
• 21:03
  Speaker 2: Radio and Talk for TV. It's not about the zero,
• 21:07
  Speaker 2: It's about the F word, feelings, feelings. Jennifer can't wait.
• 21:11
  Speaker 1: To explore with you next week.
• 21:13
  Speaker 2: Until then, let's all say I rock my finances.