Latest / The Dr. Sarah Hensley Show / Episode 11, Season 2: Betrayal by the Dollar: The Hidden Wounds of Financial Infidelity
Transcript
- 0:11Speaker 1: Welcome to the Love Dog Podcast. I'm your co host
- 0:14Speaker 1: Rena Butcher here with our host, doctor Sarah Hinsley, the owner, founder,
- 0:19Speaker 1: and CEO of the Love Doc relationship coaching services and
- 0:22Speaker 1: of course, the Love Dog Podcast. You can find her
- 0:25Speaker 1: at the lovedoc dot com and of course all of
- 0:27Speaker 1: her social media handles at doctor Hinsley. Yeah, Hey, Hey,
- 0:32Speaker 1: what's up?
- 0:33Speaker 2: Not much, man, I feel like you've been gone forever.
- 0:35Speaker 1: I feel like I was gone forever too, and it
- 0:37Speaker 1: feels good to be back. I mean honestly, so, I
- 0:41Speaker 1: just got back from Alaska, and anyone who's ever been
- 0:46Speaker 1: or never been. For those that have been, I totally
- 0:49Speaker 1: get it. For those that live there, like I get
- 0:52Speaker 1: it now because I always thought, like, what is the
- 0:54Speaker 1: appeal of Alaska? Because it's dark like eight months out
- 0:58Speaker 1: of the.
- 0:58Speaker 2: Year that I don't know if I could handle.
- 1:00Speaker 1: Yeah, it rains all the time. It rains like I think,
- 1:04Speaker 1: like three hundred and fourteen days out of the year.
- 1:06Speaker 2: Oh dang.
- 1:07Speaker 1: But like since I've been there, and of course we
- 1:11Speaker 1: took a cruise, so we got to do Sitka, catch
- 1:15Speaker 1: a can Juno and then we ended in British Columbia.
- 1:17Speaker 1: Of course, which isn't Alaska, but it was just the vastness.
- 1:24Speaker 1: And really the wildness of Alaska is what's so appealing.
- 1:28Speaker 1: Because you're just constantly surrounded by nature. You feel free.
- 1:33Speaker 1: The air. I mean, I kept I kept joking with
- 1:36Speaker 1: Josh because I was like this air.
- 1:38Speaker 2: I love this air.
- 1:39Speaker 1: I was like, I want to marry this air. He
- 1:42Speaker 1: was like, golly, come down. I was like, my lung
- 1:45Speaker 1: but my lungs felt so open.
- 1:48Speaker 2: Yeah, it's just cleaner, less pollution.
- 1:50Speaker 1: Oh gosh. And again, you know, I mean to put
- 1:53Speaker 1: it in perspective. We live in Lexington, Kentucky. Population in
- 1:57Speaker 1: Lexington's like a little over three hundred and thirty thousand people. Yep.
- 2:01Speaker 1: Alaska is bigger than Montana, Texas, and California combined. Total
- 2:06Speaker 1: population for the entire state is a little over seven
- 2:09Speaker 1: hundred thousand.
- 2:10Speaker 2: Yeah. I would like that. I know, I get so
- 2:13Speaker 2: frustrated in like high populated areas, Like you know, we
- 2:16Speaker 2: were in New York two weeks ago, I guess it
- 2:18Speaker 2: was two weeks ago, and just it was so hot
- 2:21Speaker 2: and there were so many people, so the like the
- 2:24Speaker 2: body heat I think just made it hotter. And then
- 2:27Speaker 2: the cars. I was so hot in New York.
- 2:30Speaker 1: I was like a heaviness.
- 2:31Speaker 2: It was very heavy. Yeah, And I was just like,
- 2:33Speaker 2: I don't know if I made to be My daughter
- 2:36Speaker 2: wants to be in a big city. That's like her
- 2:38Speaker 2: dream to grow up and be a big city girl,
- 2:40Speaker 2: New York preferably, or maybe even Chicago, where my brother lives.
- 2:43Speaker 2: And I'm just like, you know, it was a wonderful visit.
- 2:47Speaker 2: There's so much really cool stuff in New York. I
- 2:49Speaker 2: mean really cool stuff. Lots of culture, lots of history.
- 2:53Speaker 2: Obviously we did you know, yeah, diversity, but I just
- 2:59Speaker 2: I get kind of clusterphobic a little bit, you know,
- 3:02Speaker 2: with lots of people around me. Yeah, I get. And
- 3:05Speaker 2: like we took the subway everywhere, and so it was
- 3:07Speaker 2: just constantly like this, yeah, just kind of hyper looking over.
- 3:11Speaker 1: My shoulder, even in Seattle, because we poured it in
- 3:13Speaker 1: and out of Seattle, and I mean Josh and I
- 3:17Speaker 1: were talking about it, like, I just when we were
- 3:19Speaker 1: walking around downtown Seattle and we went to Pike Place,
- 3:21Speaker 1: and I mean there's people everywhere. It's like Chinatown and
- 3:24Speaker 1: New York.
- 3:24Speaker 2: Yeah, and I went to Chinatown and it's overwhelming.
- 3:28Speaker 1: It's so overwhelming because one, there's so many things to buy,
- 3:33Speaker 1: and two there's I mean, you can't escape the people.
- 3:36Speaker 1: I mean your shoulder to shoulder, and it's just so overwhelming.
- 3:40Speaker 1: And I felt like, like even when we were sitting
- 3:42Speaker 1: down by the bay, we were sitting on these like
- 3:44Speaker 1: concrete steps, and I was like, I'm going to move
- 3:47Speaker 1: down one, I said, because I feel so exposed and
- 3:51Speaker 1: there's so many people, and you, like my brain not
- 3:55Speaker 1: it's not thinking the worst. I just want to be
- 3:56Speaker 1: mentally prepared that if something was to go down, like
- 4:00Speaker 1: I could protect myself under like underneath that concrete step,
- 4:04Speaker 1: you know, like co take guard or whatever. But there's
- 4:08Speaker 1: no way I could ever live in a big city. Yeah,
- 4:11Speaker 1: I'm a country girl at heart.
- 4:13Speaker 2: I know, I'm sort of like torn like I like
- 4:16Speaker 2: having access to things things, Yeah, but I also love
- 4:22Speaker 2: being out in the country. And so that's why I
- 4:24Speaker 2: think Lexington's just such a great compromise because it's a
- 4:27Speaker 2: very small, big city, so you you still have a
- 4:30Speaker 2: lot of stuff, but it's not overwhelming, right, you know,
- 4:32Speaker 2: you can kind of get anywhere in Lexington in twenty
- 4:35Speaker 2: five minutes. It's like the twenty five minute time mark
- 4:38Speaker 2: is just where you can go, but I'm ready.
- 4:39Speaker 1: I'm ready to leave even Lexington. Yeah, I mean I
- 4:43Speaker 1: was ready to move to Alaska. It's like I'm staying here.
- 4:46Speaker 1: I'm not leaving.
- 4:47Speaker 2: I love easily influencers, am on the planet.
- 4:51Speaker 1: I definitely am, but again Alaska too. Though Alaska I
- 4:55Speaker 1: felt so free. I don't know how to explain it.
- 4:58Speaker 1: Like I felt like there was this wildness that just
- 5:01Speaker 1: came out and it like in my soul. And I
- 5:05Speaker 1: was just like, oh, I could see the appeal of
- 5:08Speaker 1: wanting to be here and wanting to live here. Yeah,
- 5:10Speaker 1: because even looking at the vastness of the landscape, you
- 5:15Speaker 1: could feel the wildness. I even went like top down
- 5:18Speaker 1: like a rabbit hole one night talking about like think
- 5:22Speaker 1: about like our ancestors that lived here, and Josh was
- 5:25Speaker 1: just like, please stop, just stop mind effing me right now.
- 5:28Speaker 1: I can not do this right now. But it was
- 5:30Speaker 1: pretty funny.
- 5:31Speaker 2: But anyway, speaking of travel, travel costs money, Yes, and
- 5:38Speaker 2: that's what we're gonna talk about today.
- 5:40Speaker 1: Yes, it's money. Of course, this is still part of
- 5:43Speaker 1: our financial series And if you didn't catch last week's episode,
- 5:47Speaker 1: please go do that. We had Clint Jasperson on a
- 5:49Speaker 1: wealth of knowledge in so many ways.
- 5:51Speaker 2: So many ways, both on the psychology of money as
- 5:54Speaker 2: well as how to use money, how to grow money,
- 5:57Speaker 2: how to you know, be love to the episode of
- 6:00Speaker 2: Your Money, Yeah, there was.
- 6:01Speaker 1: So much depth to that episode, so please go back
- 6:03Speaker 1: and listen to that one. But this one in particular
- 6:06Speaker 1: is about financial infidelity.
- 6:09Speaker 2: Financial infidelity which was actually something that was very prevalent
- 6:14Speaker 2: in my childhood and it is something that I see
- 6:17Speaker 2: happen in marriages all the time. Yeah, and long term relationships,
- 6:21Speaker 2: and so there can be a lot of different types
- 6:23Speaker 2: of financial infidelity. So we have sort of financial control
- 6:28Speaker 2: and sort of course of control using finances. I see
- 6:31Speaker 2: this a lot where obviously we probably have one partner
- 6:34Speaker 2: staying home does not work, the other partner is the
- 6:38Speaker 2: sole provider, and often, I'm not gonna lie, a lot
- 6:42Speaker 2: of times it's the man that's the sole provider, and
- 6:44Speaker 2: it's the stay at home mom, but not always. My
- 6:47Speaker 2: husband's a stay at home dad. So stay at home
- 6:49Speaker 2: dads exist. But the amount of control that sometimes can
- 6:56Speaker 2: happen or I should say be a part of the
- 6:58Speaker 2: relational dynamic, and it's really destructive in that situation has
- 7:03Speaker 2: kind of come to light for me, especially recently, and
- 7:06Speaker 2: even in a local moms group, I saw somebody posted
- 7:10Speaker 2: just about how they get such a meager little allowance
- 7:14Speaker 2: from their husband and then they're supposed to buy the
- 7:16Speaker 2: groceries with it. It's just why all the kids stuff
- 7:18Speaker 2: with it. They're supposed to everything. And she's like, by
- 7:20Speaker 2: the time I buy groceries, there's not even a dime left,
- 7:23Speaker 2: you know, for anything extra. And I guess it's been
- 7:26Speaker 2: a big point of contention in this person's marriage, and
- 7:29Speaker 2: she was really seeking some counsel about that. But I
- 7:33Speaker 2: think that in those situations, women can feel extremely trapped,
- 7:40Speaker 2: especially if the marriage starts to go downhill. It is
- 7:45Speaker 2: a million times harder to exit a marriage without having
- 7:48Speaker 2: your own income. And so I appreciate stay at home moms.
- 7:52Speaker 2: I think what they do is amazing. I think it's
- 7:53Speaker 2: an incredibly beautiful thing to be so involved with your children.
- 8:00Speaker 2: But it does take you having a partner that sees
- 8:03Speaker 2: the value in what you do and compensates you accordingly
- 8:09Speaker 2: to what you contribute to the home. And one of
- 8:13Speaker 2: the things my mom told me when I was little,
- 8:16Speaker 2: and it stuck with me, and thank god she did.
- 8:18Speaker 2: I thank god every single day almost. I think about
- 8:20Speaker 2: this moment so many times. She said, don't you dare
- 8:23Speaker 2: ever rely on a man for money? And she said,
- 8:26Speaker 2: I know, you know, She's like, if you want to
- 8:29Speaker 2: be a stay at home mom, that's fine, but get
- 8:31Speaker 2: a skill. Get a skill that will make you immediately employable,
- 8:34Speaker 2: because if you need out, you need to be able
- 8:36Speaker 2: to get out. And after having gone through a ten
- 8:39Speaker 2: year abuse of marriage, the one thing I had going
- 8:42Speaker 2: for me was that I was an equal earner to
- 8:44Speaker 2: my husband, and so you.
- 8:46Speaker 1: Get an education.
- 8:47Speaker 2: Yeah, and you know, I could stand on my own
- 8:50Speaker 2: two feet and I had a really solid job and
- 8:54Speaker 2: that was the only reason I could get out.
- 8:56Speaker 1: Yep.
- 8:57Speaker 2: And I know for a while, you know, he would
- 8:59Speaker 2: threaten me because he does come from more money than
- 9:01Speaker 2: I do. His parents were much wealthier than my parents.
- 9:05Speaker 2: You know that. I still thought I was going to
- 9:07Speaker 2: get real roaded because I thought, well, if they pitch in,
- 9:10Speaker 2: you know, I might be in trouble. But thankfully they
- 9:13Speaker 2: kind of towed the line a little bit with him, like, no,
- 9:15Speaker 2: you hurt your marriage, like you're gonna have to pay
- 9:17Speaker 2: for the divorce, right. So I'm thankful for that. But
- 9:22Speaker 2: I was able to pay the retainer. I mean it
- 9:25Speaker 2: was a stretch. Yeah, I mean, I did drain my
- 9:27Speaker 2: retirement in my divorce, but our divorce got really ugly
- 9:31Speaker 2: and the custody battle, I should say, got really ugly,
- 9:33Speaker 2: and so it was extremely expensive. But I can't even
- 9:37Speaker 2: imagine being married to my ex and him being the
- 9:40Speaker 2: sole provider. I would have been.
- 9:43Speaker 1: Just company allowance and it would have been stretched. I mean,
- 9:48Speaker 1: I don't know if you I just met you when
- 9:52Speaker 1: you and your ex were going through the divorce the
- 9:56Speaker 1: first time.
- 9:57Speaker 2: The first round, the first round, Oh gosh, it's so
- 10:00Speaker 2: embarrassing to say, like it is embarrassing. But at the
- 10:03Speaker 2: same time, like I hear about I called the death gas.
- 10:08Speaker 1: Now, people go back more than one time. I went
- 10:11Speaker 1: back like fourteen million times.
- 10:12Speaker 2: But I was legally divorced and he was out of
- 10:15Speaker 2: my home like I was. But se here here's the thing.
- 10:18Speaker 2: I didn't believe I was free because and I remember
- 10:21Speaker 2: even telling I dated a guy who was I mean,
- 10:25Speaker 2: he was honestly a saving grace to me during that
- 10:27Speaker 2: time period. He helped me file the EPO, he helped
- 10:29Speaker 2: me stay safe, and I broke his heart and I
- 10:33Speaker 2: feel forever kind of a little bit bad about that
- 10:35Speaker 2: because I was just messed up. And hopefully I mean
- 10:37Speaker 2: obviously I haven't spoken to him in years and years
- 10:39Speaker 2: and years, but hopefully he knows that. You know, I
- 10:42Speaker 2: didn't mean to. But that's beside the point. You know,
- 10:47Speaker 2: I remember telling him, but I'm stuck because the post
- 10:53Speaker 2: divorce abuse was so bad. It was the stalking, it
- 10:56Speaker 2: was the you know, I mean I was stalked very seriously.
- 11:00Speaker 1: And in the financial control.
- 11:02Speaker 2: Yeah, and the financial control whenever, how am I going
- 11:04Speaker 2: to do this?
- 11:05Speaker 1: How am I going to Whenever he.
- 11:06Speaker 2: Was mad at me, he would withhold the check of
- 11:09Speaker 2: what he owed me for the month, right, And that
- 11:11Speaker 2: was a big part of the course of control. And
- 11:15Speaker 2: luckily it was one of those things where even if
- 11:17Speaker 2: he didn't give me the check, I could kind of
- 11:19Speaker 2: survive on my own. I mean it was really really hard.
- 11:22Speaker 2: I mean we were bare bones. But you know that
- 11:27Speaker 2: was a point of an of control, right, like, oh,
- 11:30Speaker 2: you want this check. Nope, you won't talk to me,
- 11:33Speaker 2: you won't spend time with me, you won't, you know,
- 11:34Speaker 2: because he was trying to get me back, and I thought,
- 11:37Speaker 2: oh my gosh, could you imagine if this was in
- 11:40Speaker 2: my marriage. I wouldn't put up with it, not for
- 11:43Speaker 2: one not for one minute.
- 11:44Speaker 1: And I know a lot of people experience that, And
- 11:46Speaker 1: I feel like, in terms of financial infidelity, like the
- 11:51Speaker 1: financial the financial control aspect is sort of an obvious one,
- 11:55Speaker 1: but there are others that I feel like aren't as obvious. Yep,
- 11:59Speaker 1: that happened a lot in.
- 12:00Speaker 2: Marriages, actual, like financial infidelity, like secrets spending, secret spending.
- 12:06Speaker 2: Secret spending was my dad's achilles heel because my dad
- 12:12Speaker 2: was diagnosed with bipolar disorder, and I do think I'm
- 12:14Speaker 2: not sure if it was an accurate diagnosed. He was
- 12:16Speaker 2: very heavily medicated all of my life and childhood. I
- 12:20Speaker 2: think maybe part of his like mania was spending, and
- 12:24Speaker 2: so he would open credit cards without my mom knowing,
- 12:27Speaker 2: and he would like charge them up and then like
- 12:29Speaker 2: not pay the bills, and he would put them in
- 12:32Speaker 2: both my mom and his name, so he would just
- 12:34Speaker 2: ruin my mom's credit and he would buy you know,
- 12:37Speaker 2: he was a musician. He would buy guitars, he would
- 12:39Speaker 2: buy amps, he would buy all, yeah, all sorts of
- 12:45Speaker 2: you know, music equipment, and then he would hide it
- 12:50Speaker 2: from my mom. And then when my mom would obviously
- 12:52Speaker 2: be like, hey, this isn't cool, Like you spent one
- 12:54Speaker 2: thousand dollars on this and I didn't even know about it.
- 12:57Speaker 2: He would just get defensive. I mean, my dad never
- 13:00Speaker 2: took accountability for anything in his entire life, and so
- 13:02Speaker 2: he would just say, well, you get to spend money,
- 13:04Speaker 2: and my Mom's like, not much, you know, on groceries
- 13:07Speaker 2: and stuff.
- 13:09Speaker 1: But.
- 13:11Speaker 2: Money was I would say the biggest point of contention
- 13:14Speaker 2: in my parents' relationship, and a lot of it was
- 13:17Speaker 2: the financial infidelity from my father. And it's a betrayal.
- 13:22Speaker 2: It is a betrayal because you if you don't know
- 13:26Speaker 2: that one your credit's being dragged through the mud, and
- 13:29Speaker 2: two there's this debt that you haven't been able to
- 13:33Speaker 2: plan for or budget for. But at the same time,
- 13:38Speaker 2: my mom continued to rely on him to be in
- 13:43Speaker 2: charge of the finances, and I told her, I mean,
- 13:45Speaker 2: it wasn't until he died and he was half in dementia,
- 13:48Speaker 2: he was still trying to pay bills. And I think
- 13:50Speaker 2: it was just one of those things where my mom
- 13:51Speaker 2: just did not feel confident in it, like she really
- 13:54Speaker 2: struggles with administrative tasks, like she kind of gets frozen.
- 13:58Speaker 2: You know, because she has had always been sort of
- 14:02Speaker 2: the rock of our family and took care of absolutely
- 14:04Speaker 2: everything else. So I think the one contribution she wanted
- 14:07Speaker 2: my dad to sort of pick up was just pay
- 14:09Speaker 2: the bills right and handle the finances. But he was
- 14:12Speaker 2: terrible at it. He was terrible at it.
- 14:15Speaker 1: Yeah, my mom, you know, Oh, I don't know if
- 14:19Speaker 1: I can talk about it because it's so vulnerable. But
- 14:25Speaker 1: so after my parents divorce, finances of course were a
- 14:31Speaker 1: huge reason why they divorced. So my mom was a
- 14:35Speaker 1: stay at home mom all of our lives, and even
- 14:39Speaker 1: though she had an associate's degree and she did work
- 14:42Speaker 1: part time, like once I went to school, but her
- 14:45Speaker 1: goal in life was always just to be a stay
- 14:47Speaker 1: at home mom. So, you know, my parents were married
- 14:50Speaker 1: for twenty eight years when they divorced, and after they divorced,
- 14:56Speaker 1: or during the midst of the divorce, she pulled a
- 15:00Speaker 1: whole whammy Like yeah, and I'm sure this happens a lot,
- 15:05Speaker 1: and you might see this a lot in your practice.
- 15:08Speaker 1: It's almost like revenge spending. So their secret spending during
- 15:12Speaker 1: the marriage, and then there's revenge spending whether you know
- 15:16Speaker 1: they're getting a divorce or separation. But in this case,
- 15:18Speaker 1: there was revenge spending by my mom where she just
- 15:22Speaker 1: went straight balls to the wall, like ruined my dad financially.
- 15:28Speaker 1: Now the divorce itself ruined them financially.
- 15:31Speaker 2: Did they fight a lot in their divorce so it
- 15:34Speaker 2: was like a lot of legal that Also.
- 15:37Speaker 1: Their divorce lasted three years.
- 15:38Speaker 2: Oh my goodness.
- 15:40Speaker 1: Which you know my dad. You know, they had assets,
- 15:42Speaker 1: they had, you know, like I said, they'd been married
- 15:44Speaker 1: for twenty eight years. My dad owned a couple pieces
- 15:46Speaker 1: of land, you know. But she wracked up thousands and
- 15:53Speaker 1: thousands and thousands of dollars in credit card debt. She
- 15:57Speaker 1: al said. This is what's hard for me to talk about.
- 16:00Speaker 1: So let me just give a little backstory to my mom.
- 16:04Speaker 1: All American girl, like cheerleader, beautiful, you know, raised by
- 16:10Speaker 1: a school teacher and a police officer. You know, two
- 16:13Speaker 1: point five kids, dog cat, like the perfect little life.
- 16:18Speaker 1: So and I mean her goal, she used to say
- 16:22Speaker 1: it all the time, like her degree, Like the only
- 16:24Speaker 1: degree she ever wanted when she went to college was
- 16:26Speaker 1: a missus degree. Like, yeah, she wanted to she wanted
- 16:30Speaker 1: to be a wife and a mother. So you're talking
- 16:34Speaker 1: about a woman who had never even had a speeding
- 16:36Speaker 1: ticket her entire life. Didn't drink, never did drugs. I mean,
- 16:41Speaker 1: we grew up with no alcohol in the home. My
- 16:44Speaker 1: dad was a Baptist preacher and so her part time
- 16:48Speaker 1: job was for the Baptist Association there in our hometown.
- 16:54Speaker 1: And Uh, I'm getting shaky talking about because I don't
- 16:57Speaker 1: ever talk about this.
- 16:58Speaker 2: I know you don't.
- 16:59Speaker 1: I don't like this is one thing I never talk about.
- 17:02Speaker 1: So after the divorce, my mom and I moved to Florida,
- 17:06Speaker 1: which is where she was from, and us kids knew
- 17:11Speaker 1: nothing about this. But she was still working that part
- 17:13Speaker 1: time job prior to us moving, and she was embezzling
- 17:18Speaker 1: money from the business. And it's so hard and it's
- 17:24Speaker 1: hard for me to talk about because I know the
- 17:27Speaker 1: guilt and the shame that she felt over it, and
- 17:30Speaker 1: she died with that guilt and shame. I don't know now.
- 17:32Speaker 1: She paid every single penny back, and the irony is
- 17:36Speaker 1: is that, you know, she paid like fifteen years of
- 17:39Speaker 1: restitution to pay this money back, and then she died
- 17:43Speaker 1: like five years later, and so she had finally gotten
- 17:46Speaker 1: like the monkey off her back, of like in terms
- 17:49Speaker 1: of paying the money back, but the whole process was
- 17:53Speaker 1: so traumatic because we had just moved to Florida. I
- 17:56Speaker 1: had no idea what was going on. I was nineteen
- 17:59Speaker 1: years old, and I remember the night she said set
- 18:01Speaker 1: me down outside the house at my grandmother's which is
- 18:04Speaker 1: where we were living at the time, and she told me,
- 18:07Speaker 1: she said, I'm getting extradited, like they're coming to arrest me.
- 18:12Speaker 1: And I was just like, what is happening, you know,
- 18:15Speaker 1: like she and she was bawling, crying, and she you know,
- 18:19Speaker 1: for a nineteen year old for even if I'd been
- 18:22Speaker 1: thirty nine or whatever, like, it would have been so
- 18:24Speaker 1: hard to process, sure, but I was nineteen and she
- 18:28Speaker 1: was kind of unloading all this on me. And of
- 18:30Speaker 1: course this was after a just tumultuous, terrible divorce. But
- 18:37Speaker 1: I talk about this because I know that I don't
- 18:41Speaker 1: want to say women in particular. Let's just say people
- 18:43Speaker 1: in particular. It happens for multiple reasons, and you can
- 18:48Speaker 1: talk about maybe the psychology behind it when someone is
- 18:52Speaker 1: in such a deep emotional pain, you know, the dopamine
- 18:55Speaker 1: hits that you get from spending. And this is what
- 18:59Speaker 1: I think happened to my She was in such emotional
- 19:02Speaker 1: pain that spending was her only out.
- 19:06Speaker 2: It's called a band aid. Right, So there's we could
- 19:10Speaker 2: go into a whole episode on emotional processing, but essentially
- 19:14Speaker 2: there's two main ways that people cope with negative emotions
- 19:19Speaker 2: that are not helpful. The first way is to band
- 19:22Speaker 2: aid your emotions, and so that is essentially seeking somebody
- 19:28Speaker 2: or something that can give you a quick hit of
- 19:32Speaker 2: dopamine and serotonin and it temporarily relieves anxiety emotional distress. Right.
- 19:38Speaker 2: Serotonin is a huge buffer against anxiety. Dopamine is a
- 19:43Speaker 2: mood elevator, and it's the brain's reward system, and so
- 19:49Speaker 2: it can be a way to band aid, right. And essentially,
- 19:52Speaker 2: when we don't know how to truly somatically process emotions
- 19:56Speaker 2: and integrate the story of the emotion into our psyche,
- 20:00Speaker 2: which is what I teach in my hybrid program. By
- 20:02Speaker 2: the way, then if we have more anxiety, we'll seek
- 20:06Speaker 2: band aids. Avoidant people they don't seek band aids. They
- 20:10Speaker 2: seek suppression and dissociation. So they seek distraction, so they
- 20:16Speaker 2: will you know, I was actually just talking to our
- 20:18Speaker 2: hairdresser today. We have the same hairdresser, We have the
- 20:21Speaker 2: same just about every beauty provider is like the same
- 20:24Speaker 2: we see people. And she was talking to me about
- 20:26Speaker 2: how her ex husband was kind of a gamer, you know,
- 20:29Speaker 2: and she just came to the realization at my appointment
- 20:31Speaker 2: today that he was a DA. And she said, how
- 20:33Speaker 2: do you know if somebody's a DA, And I said, well,
- 20:36Speaker 2: they always have a dissociative crutch, so something that they
- 20:40Speaker 2: are very very immersed in order to stay dissociated from
- 20:45Speaker 2: their body, which is where their emotions live. And so
- 20:46Speaker 2: for him it was gaming. But oftentimes the suppression strategy
- 20:51Speaker 2: is work, you know, hobbies, which can be very pricey.
- 20:55Speaker 2: Some people have very pricey hobbies, yes, And so emotional coping,
- 21:02Speaker 2: whether it's a band aid or suppression, it can be costly,
- 21:06Speaker 2: not just to your body and to your mind, it's
- 21:08Speaker 2: very costly to your body and your mind, to your knowledge,
- 21:11Speaker 2: your marriage, your relationship, your relationship.
- 21:13Speaker 1: Yeah.
- 21:14Speaker 2: Absolutely so, yes, So it sounds like she was reaching
- 21:18Speaker 2: for a band aid because she just, I mean, from
- 21:20Speaker 2: what I understand, she never could ever ever integrate the
- 21:26Speaker 2: trauma of the divorce, like losing your dad to divorce
- 21:31Speaker 2: was just something that she could never come to terms with.
- 21:33Speaker 1: No, and she never did. I mean, when she died,
- 21:36Speaker 1: they had been divorced for seventeen years and she was
- 21:39Speaker 1: still struggling emotionally from it.
- 21:42Speaker 2: Did she say that she didn't want your dad at
- 21:44Speaker 2: her funeral or like to speak it? Don't you dare
- 21:46Speaker 2: let your dad speak at her funeral? Like she's said
- 21:49Speaker 2: specifically in her will, these.
- 21:51Speaker 1: Were her exact words and her will to my four children.
- 21:54Speaker 1: I leave all my belongings to my ex husband. I
- 21:57Speaker 1: leave jackshit nothing. I mean, listen, sorry, Rick, Rick.
- 22:03Speaker 2: Rick was at my house today. We're close with your dad.
- 22:06Speaker 2: Dad's gonna. He's a great guy.
- 22:09Speaker 1: Daddy's great and but Daddy, would you know, I mean,
- 22:13Speaker 1: there were lots of things that I think my dad
- 22:15Speaker 1: did that kind of pushed her to those limits. You know.
- 22:20Speaker 1: I don't want to sell my dad out because of
- 22:23Speaker 1: course it's a little bit different. He's still alive, but
- 22:26Speaker 1: I think that if he was here, he would openly
- 22:28Speaker 1: talk about it. I think there was some emotional infidelity
- 22:30Speaker 1: on his part, which, again going back to the topic,
- 22:35Speaker 1: I think so many things when you're talking about financial infidelity,
- 22:40Speaker 1: like there's so many more root causes of why it happens.
- 22:44Speaker 1: So in my mom and dad's case, for example, I
- 22:48Speaker 1: think there was some emotional infidelity going on outside of
- 22:51Speaker 1: the marriage with my dad through multiple variables, not just women,
- 22:56Speaker 1: but his work, through you know, his social life. And
- 22:59Speaker 1: my mom didn't really have those things, and so it
- 23:03Speaker 1: was like her only infidelity or her only answer or
- 23:07Speaker 1: her only band aid was to spend.
- 23:10Speaker 2: Yeah, and spending is very It can become an addiction.
- 23:14Speaker 2: Have you ever read that book, like the Confessions of
- 23:16Speaker 2: a Shopaholic. I think it's what it's called that is insane. Yeah,
- 23:20Speaker 2: that is some insane stuff. I remember reading that book
- 23:22Speaker 2: years and years and years ago and thinking how in the.
- 23:25Speaker 1: World hundreds of thousands of dollars in day hundreds.
- 23:29Speaker 2: Spending can become addicting because it hijacked. I mean, anything
- 23:33Speaker 2: that hijacks your dopamine reward system can be addicting. Right,
- 23:36Speaker 2: Scrolling is addicting, spending is addicting, Gambling is addicting. And
- 23:41Speaker 2: money is one of these things. Like we talked about
- 23:44Speaker 2: last time, that there is a very intimate relationship we
- 23:46Speaker 2: all have with money. And I'm not gonna lie. I've
- 23:50Speaker 2: used money as a band aid in my life before.
- 23:53Speaker 2: After my ex died, I went on this and I
- 23:56Speaker 2: didn't have the money I did not have the money.
- 23:59Speaker 2: I had actually zero dollars. I racked up some credit
- 24:03Speaker 2: card debt because I went shopping and I bought designer
- 24:05Speaker 2: purses and I bought all this thing because I was
- 24:07Speaker 2: just trying to like have anything to hold on to
- 24:10Speaker 2: to make me feel better, anything. And that's why I'm
- 24:14Speaker 2: glad that I learned to really process my emotions because
- 24:18Speaker 2: I don't need those band aids. I can gather safety
- 24:21Speaker 2: in myself and I don't need dissociation. I don't need.
- 24:24Speaker 2: I'm not gonna lie. It feels good to dissociate sometimes
- 24:26Speaker 2: because everybody does, you're human, but it can't be your
- 24:30Speaker 2: primary band Aiding or associating can't be your primary strategy
- 24:34Speaker 2: of coping because it has consequences.
- 24:37Speaker 1: And I mean, I'll be the first to admit that
- 24:41Speaker 1: in my relationship with my ex, I was terrible. I
- 24:48Speaker 1: was terrible, and again I think I was seeking just
- 24:53Speaker 1: any line of dopamine that I could possibly get at
- 24:56Speaker 1: that time. But it calls so much much rift between
- 25:01Speaker 1: him and I, and that's on me, you know, that's
- 25:04Speaker 1: on me because regardless of how he behaves, you know,
- 25:08Speaker 1: my reaction to it has nothing to do with him
- 25:11Speaker 1: and I think that that's you know, maybe where people
- 25:13Speaker 1: go wrong, they want to I know my mother wanted
- 25:17Speaker 1: to blame my father for all the wrongdoing that she
- 25:19Speaker 1: had done, but regardless of what he had done, she
- 25:23Speaker 1: had to take accountability for that part. And I take
- 25:25Speaker 1: accountability because I would. I would go, of course, we
- 25:27Speaker 1: lived in Harlan. I would go like, drop ridiculous, like
- 25:30Speaker 1: five hundred bucks at Walmart on nothing, I'm junk. And
- 25:34Speaker 1: then I'd come home and he'd be like what is
- 25:36Speaker 1: this raina like what is this like? And that's a
- 25:39Speaker 1: legitimate ask, right, Like, that's a legitimate ass to be like,
- 25:43Speaker 1: what are you doing? Yep?
- 25:46Speaker 2: And money right now in this world, we have seen
- 25:50Speaker 2: such an inflationary shift where income has not caught up
- 25:54Speaker 2: even close with the inflationary shift, and it is every
- 25:59Speaker 2: single day I see people on social media talking about
- 26:02Speaker 2: how much they're struggling financially. And when you have somebody
- 26:08Speaker 2: who's committing financial infidelity, it feels like a massive betrayal
- 26:13Speaker 2: because finances are tied to your ability to support yourself,
- 26:16Speaker 2: to buy food, to put a roof over your head, yourself,
- 26:20Speaker 2: take care of yourself. And when someone isn't truthful or
- 26:23Speaker 2: honest or you can't be on the same page as
- 26:25Speaker 2: your partner financially for whatever reason. It's a recipe for disaster.
- 26:32Speaker 2: And they say, quote money is the number one cause
- 26:33Speaker 2: a divorce. It's not. It's lack of accountability. But that
- 26:36Speaker 2: can absolutely come with money, right. Lack of accountability around money.
- 26:40Speaker 1: Is a.
- 26:42Speaker 2: Huge predictor of divorce And a lot of people come
- 26:47Speaker 2: in to marriages committing financial infidelity because they don't they
- 26:52Speaker 2: aren't honest with their partner about how much credit card
- 26:55Speaker 2: debt they have, or how much student loan debt they have,
- 26:57Speaker 2: or how much whatever debt they have. I've seen couples
- 27:00Speaker 2: a lot that are in their second third month month
- 27:04Speaker 2: of marriage and this had been this is exposed, right,
- 27:08Speaker 2: So you marry someone and then all of a sudden
- 27:10Speaker 2: you find out they have one hundred thousand dollars in
- 27:11Speaker 2: debt and it was completely hidden, right, But you can't
- 27:16Speaker 2: hide it once you're married. And I mean unless you
- 27:18Speaker 2: keep like separate accounts. But usually when you're married, you
- 27:21Speaker 2: sort of upgrade where you live, you know, you buy
- 27:24Speaker 2: another car or whatever to accommodate your you know, joint
- 27:28Speaker 2: union together. And then that's where it starts to show.
- 27:33Speaker 2: And one of the ways that I actually caught my
- 27:37Speaker 2: ex and his drug habit at the very very beginning,
- 27:40Speaker 2: I want to talk about mind f okay. I found
- 27:45Speaker 2: out my husband was doing had a drug problem two
- 27:47Speaker 2: months into our marriage. You know, I had no idea.
- 27:50Speaker 2: I had no idea. We were a long distance, my bad,
- 27:53Speaker 2: and then when we moved in together, it was freaking obvious.
- 27:55Speaker 2: I'm like, where's the money, right, where's the freaking money,
- 27:59Speaker 2: you know, And then you know, and I was looking
- 28:02Speaker 2: in his eyes and I'm like, what are you taking here?
- 28:06Speaker 2: What are you doing? Because he was one of those
- 28:08Speaker 2: addicts where he could he didn't have to do it
- 28:12Speaker 2: every day, you know, how like it and you never
- 28:16Speaker 2: hardly see a drug addict like this, but you see
- 28:18Speaker 2: alcoholics that are, like, they don't drink every day, but
- 28:20Speaker 2: when they do drink, they go way overboard, right, They're
- 28:23Speaker 2: more of like a binge drinker. He was more of
- 28:25Speaker 2: like a binge drug user, Like he could go days
- 28:27Speaker 2: without doing it, but then when he did it, he'd
- 28:30Speaker 2: binge and it was super obvious. And so the way
- 28:33Speaker 2: that he got around duping me was that I was
- 28:36Speaker 2: at the University of Kentucky. He was at Western Kentucky University.
- 28:40Speaker 2: We only saw each other on the weekends, and he
- 28:42Speaker 2: just wouldn't do it when he's with me. So how
- 28:45Speaker 2: the frig was I supposed to know? Because he was
- 28:47Speaker 2: extremely well functioning, high functioning, and.
- 28:50Speaker 1: So when he was drinking, he was high funded.
- 28:52Speaker 2: Always. He was the most high functioning addict until he died,
- 28:56Speaker 2: which was the crazy thing, or I should say till
- 28:58Speaker 2: shortly before his death, because he all, he's had a
- 29:00Speaker 2: great job, always quick on his feet, he was very
- 29:03Speaker 2: high iq, you know, and oftentimes that makes it worse
- 29:08Speaker 2: because you can't hit rock bottom right And the same
- 29:11Speaker 2: thing with people who have money issues that a lot
- 29:16Speaker 2: of times these folks they've had a history of being
- 29:19Speaker 2: bailed out, right, Like in a lot of client cases
- 29:22Speaker 2: I've had, mom and dad have stepped in and bailed
- 29:25Speaker 2: their child out over and over and over and over again.
- 29:28Speaker 2: Then they get married and the parents go, Okay, finally
- 29:31Speaker 2: there's somebody else's problem, right, right, finally, like you take her?
- 29:34Speaker 2: Do you take him? You know, it's funny. Your dad
- 29:38Speaker 2: even said that today. Your dad's like, well, if nobody
- 29:40Speaker 2: spoils rain and rain, I spoils right now. And I
- 29:43Speaker 2: was like, yeah, well you know, I can't. I was like,
- 29:45Speaker 2: I'm no better cliche popsch I got I got it
- 29:49Speaker 2: from you. She didn't learn this life of luxury from
- 29:54Speaker 2: no one. Yeah. But then this is revealed right like
- 29:59Speaker 2: two to three month into the relationship that someone has
- 30:01Speaker 2: a spending addiction. Yeah, and they have one hundred thousand
- 30:05Speaker 2: dollars of credit cards.
- 30:06Speaker 1: I can't imagine. And I that was a tough one
- 30:08Speaker 1: for me because there were there were lots of things
- 30:11Speaker 1: that I had to I don't want to. I don't
- 30:14Speaker 1: want to use the word confess, right because reveal reveal
- 30:18Speaker 1: that's a better word. That I had to reveal to Josh.
- 30:21Speaker 1: And one of those things was my financial past because
- 30:24Speaker 1: I didn't have a good one. And I'm I mean,
- 30:27Speaker 1: I said it on the episode with Clant. I feel
- 30:31Speaker 1: like every aspect of my life I've got a pretty
- 30:35Speaker 1: good grasp on.
- 30:37Speaker 2: Yeah, you're very successful, very high functioning. IM your great mom,
- 30:41Speaker 2: but you're really good at your job.
- 30:43Speaker 1: But money is still just not with like not it's
- 30:48Speaker 1: within my reach. It's just my relationship with it that
- 30:52Speaker 1: I cannot seem to put my finger on, you know.
- 30:58Speaker 1: And can't really seem to get to the deep root cause.
- 31:02Speaker 2: I mean, I just think it's addiction.
- 31:04Speaker 1: Yeah I don't. I think that's a piece of it.
- 31:06Speaker 1: I think that's a piece but.
- 31:07Speaker 2: There because I'm just as bad. But here's a thing.
- 31:11Speaker 1: I'm not going into debt.
- 31:12Speaker 2: No, we're not going into debt. We're spending within our means. Yeah,
- 31:15Speaker 2: maybe we could save more, Maybe we could put that
- 31:17Speaker 2: towards more assets, which is what I'm trying to do.
- 31:20Speaker 2: And I think what is really really crappy about money?
- 31:23Speaker 2: Is it such a taboo topic. Yeah, it's such a
- 31:25Speaker 2: taboo topic. And so there's a lot of shame associated
- 31:29Speaker 2: with money in these situations, and what do we do
- 31:33Speaker 2: with shame? While we can either fight and defend against
- 31:35Speaker 2: it or we can run away from it. And that's
- 31:37Speaker 2: what happens, right, So we get the defensive responding, you know,
- 31:41Speaker 2: and we get the secrecy and we get the avoidance
- 31:44Speaker 2: around it. And it's it's tough for these people because
- 31:50Speaker 2: even though the betrayal wasn't with another person, it's still
- 31:53Speaker 2: a huge secret that rocks the foundation of in the
- 31:56Speaker 2: stability of the relationship.
- 31:58Speaker 1: And still maybe not to the degree of maybe infidelity
- 32:01Speaker 1: with another person. But it can still feel like deep,
- 32:05Speaker 1: deep rejection. It can still feel like deep abandonment.
- 32:09Speaker 2: Yeah, because I didn't know you well enough, right, you
- 32:12Speaker 2: kept this from me. You decided to start a life
- 32:16Speaker 2: with me, and you weren't transparent about what you were
- 32:19Speaker 2: bringing to the table here. And I mean, I'm so
- 32:25Speaker 2: glad that you know what. The crazy thing is. The
- 32:28Speaker 2: one thing my husband and I never thought about was money.
- 32:31Speaker 1: Yeah.
- 32:31Speaker 2: I never thought about money because I denied myself so much.
- 32:36Speaker 2: And I think that's where my spending now comes from.
- 32:38Speaker 2: Is because when I was married, I denied myself everything.
- 32:43Speaker 2: Because my husband controlled the finances, I basically had equal
- 32:48Speaker 2: access to the money. But I knew he was watching,
- 32:51Speaker 2: and I didn't want to start a fight I was
- 32:53Speaker 2: trying to avoid. I mean, we thought about him having
- 32:56Speaker 2: sex with other people, but we didn't fight about money,
- 33:00Speaker 2: I know, And so it was just like I didn't
- 33:03Speaker 2: want that. I couldn't handle one more thing. So I
- 33:06Speaker 2: just went without and I would you know, if I
- 33:08Speaker 2: did spend money, it was on my kids.
- 33:11Speaker 1: I have not deprived myself of anything.
- 33:13Speaker 2: I did for.
- 33:14Speaker 1: I don't think ever in my life I did for really,
- 33:17Speaker 1: even when I was like again, I'll use the little
- 33:20Speaker 1: thing I like to always say, Like even when I
- 33:22Speaker 1: was living off Frameman noodles in a prayer, like I
- 33:24Speaker 1: still would go to my local Goodwill and I would
- 33:28Speaker 1: shop and you know, like I had to get that
- 33:31Speaker 1: shopping fix. Or I'd go to the J. C. Penny
- 33:34Speaker 1: in Middlesbrough and I'd go shopping there and I'd find
- 33:38Speaker 1: a way. I would find a way to shop.
- 33:40Speaker 2: Yeah, you know, it could be a band aid, it
- 33:44Speaker 2: could be addiction. Sometimes those two things start fashion. I
- 33:51Speaker 2: just love fashion. Okay, now my arn't form and here's
- 33:55Speaker 2: where it gets crazy. And so one of the we
- 33:58Speaker 2: should we should talk about Rent Runway. We should see
- 34:00Speaker 2: if they can collab with us for the podcast. I
- 34:02Speaker 2: am such a fan of Rent the Runway. This is
- 34:05Speaker 2: from address. This is from I can't even say it.
- 34:08Speaker 2: Rent the Runway because it gives me my shopping fix
- 34:13Speaker 2: with a set budget, and I get to rotate. So
- 34:16Speaker 2: I send it back and then I get to shop
- 34:18Speaker 2: for five or six new outfits and then I get
- 34:21Speaker 2: my little dopamine hit. But it's always the same price
- 34:23Speaker 2: every month. To me, that is the most genius concept
- 34:26Speaker 2: that has ever because I found that I was buying
- 34:28Speaker 2: things wearing them once and then I didn't really want
- 34:30Speaker 2: to wear them.
- 34:31Speaker 1: I'd not believe. The stuff that's in my closet right
- 34:33Speaker 1: now with tags on it, you wouldn't believe. And it's
- 34:35Speaker 1: because I bought it, haven't had time to wear it,
- 34:38Speaker 1: and then my style changes. Yet my style changes so
- 34:41Speaker 1: much or like I'll just go through like little phases
- 34:44Speaker 1: of like where I want to be, you know, a
- 34:46Speaker 1: little more fancy, or I want to.
- 34:47Speaker 2: Be a little bit more like And that's why I
- 34:50Speaker 2: like the rent the Runway because I get to pick
- 34:53Speaker 2: and choose like they have everything.
- 34:55Speaker 1: We are not an endoorser, No we are.
- 34:57Speaker 2: We aren't. But hey, if anybody associated that business is listening,
- 35:01Speaker 2: please reach out for it. Do us for a collab
- 35:03Speaker 2: because I am a big fan.
- 35:06Speaker 1: I did try it once and I just probably didn't
- 35:07Speaker 1: give it enough of a chance. I just didn't like
- 35:10Speaker 1: the things I ordered, But I would be willing to
- 35:12Speaker 1: try it again.
- 35:13Speaker 2: Yeah, it's a learning curve. It's a learning curve with
- 35:16Speaker 2: it because like when I when I order stuff like
- 35:21Speaker 2: I really dig through the reviews and look at the
- 35:23Speaker 2: pictures that people have posted with it on and there's
- 35:26Speaker 2: some things that I have been like, oh, that's so cute.
- 35:28Speaker 2: I definitely want that. And then I went to the
- 35:30Speaker 2: pictures and I was like, that doesn't look good on anybody.
- 35:32Speaker 2: Like that doesn't look anything like I thought it would.
- 35:34Speaker 2: So then I, you know, take it out of my car.
- 35:36Speaker 1: This stress is hot by you.
- 35:39Speaker 2: I know. I was leaving.
- 35:40Speaker 1: My husband was like, you want And then when she
- 35:43Speaker 1: walked in today, I was like, your husband needs to
- 35:45Speaker 1: take you on a date today.
- 35:45Speaker 2: Yeah, you're in that funny Yeah, but back to back
- 35:49Speaker 2: to our topic. Sorry, we had a little well and
- 35:52Speaker 2: I mean this is.
- 35:53Speaker 1: Actually speaking of endorsements. This isn't an endorsement, but I
- 35:57Speaker 1: just we will not endorse anything that we don't believe in.
- 36:01Speaker 1: Speaking of things that we believe in. Both of us
- 36:04Speaker 1: highly believe in the bedget.
- 36:06Speaker 2: Oh my gosh, guys, once you have a bedget, we'll
- 36:10Speaker 2: never go back. I had to buy I had to
- 36:13Speaker 2: buy them for the camper, and now I hate staying
- 36:16Speaker 2: in hotels and I'm almost about to just pack them
- 36:19Speaker 2: in the suitcase.
- 36:20Speaker 1: You know how much I could not wait to get
- 36:22Speaker 1: home to my bed, Like I missed my animals, obviously,
- 36:25Speaker 1: but I didn't.
- 36:26Speaker 2: You miss your bedget didn't you?
- 36:27Speaker 1: I missed everything about my bed the bedget, yes, my
- 36:31Speaker 1: temper pedic mattress, yes, my cozy earth sheets, all of
- 36:33Speaker 1: the above, all of the things combined. I's kiss it.
- 36:39Speaker 2: Is it is. I can't sleep without it now. I'm
- 36:42Speaker 2: so spoiled because I go to bed cold and then
- 36:46Speaker 2: I warm up throughout the night. So the thing about
- 36:48Speaker 2: the bedjet is it is basically an HVAC system for
- 36:53Speaker 2: your bed, okay, and it blows through this cloud sheet. Okay,
- 36:57Speaker 2: So it's not blowing directly on you like I fans
- 37:00Speaker 2: because I don't like feeling air blow on me. I
- 37:02Speaker 2: don't like that. And so the cloud sheet where it
- 37:05Speaker 2: blows through the cloud, it's just this enveloping temperature. It
- 37:10Speaker 2: isn't You're not having it blow directly on you. And
- 37:14Speaker 2: it really does puff up like a cloud, like you're
- 37:15Speaker 2: sleeping in a cloud, which is pretty amazing. And you
- 37:20Speaker 2: have the ability to have a dual system, so your
- 37:22Speaker 2: partner can have, you know, his or her own unit
- 37:25Speaker 2: and you have your own remote. You also have a
- 37:27Speaker 2: phone app. It was built by somebody affiliated with NASA,
- 37:32Speaker 2: NASA engineer. It is quiet, It makes just like a
- 37:36Speaker 2: very very quiet, makes just a very gentle hum which
- 37:40Speaker 2: actually can law you to sleep. It is worth the price,
- 37:43Speaker 2: one hundred percent. You're going to yes, speaking of the episode,
- 37:50Speaker 2: tell your partner you're buying a bedget. But the price point,
- 37:54Speaker 2: honestly is it relevant for what it delivers.
- 37:56Speaker 1: It's absolutely worth it. And you can set bio rhythms.
- 37:58Speaker 2: A bio rhythms that's the big that's me, that'd be
- 38:01Speaker 2: everything for me.
- 38:02Speaker 1: And it takes I will say, it takes a while
- 38:04Speaker 1: to kind of gauge what your body does throughout the night.
- 38:07Speaker 1: But you can change the biorhythms and it gives you
- 38:08Speaker 1: an opportunity to set three different bioorhythms where you can.
- 38:12Speaker 1: I always love to get my bed. The best way
- 38:14Speaker 1: I know how to compare it is like that fresh
- 38:16Speaker 1: out of the dryer sheet feeling yep.
- 38:19Speaker 2: I start hot, I get it warm, and then it
- 38:22Speaker 2: cools me down. And actually, the science behind sleep and
- 38:26Speaker 2: better sleep is that your body temperature has to lower
- 38:29Speaker 2: itself as you sleep. So if you have a helper
- 38:32Speaker 2: with that right, like the Badget, it can cool you
- 38:36Speaker 2: down as you sleep, which mimics your natural response and
- 38:40Speaker 2: helps you fall asleep. Better. So my sleep has improved
- 38:43Speaker 2: one thousand percent with the Bedget, especially as a permenopausal
- 38:47Speaker 2: women around my cycle, I would always sweat the bed.
- 38:50Speaker 2: They have a dry function. It kicks into my dry
- 38:53Speaker 2: function at a certain point in the night where you know,
- 38:57Speaker 2: I know, I'm around the time where I could be
- 38:59Speaker 2: sweat in the bed. I'm dry as a bone, dry
- 39:02Speaker 2: as a bone. And I just can't brag on this
- 39:05Speaker 2: product enough. Guys. I know we had Okay, we have
- 39:08Speaker 2: copy points we're supposed to follow. We're not following. I'm sorry, Bedget.
- 39:12Speaker 2: We're just actually going with our true feelings about the product.
- 39:16Speaker 2: And that is one of the things when Rain and
- 39:18Speaker 2: I started this podcast, we said we are only going
- 39:20Speaker 2: to take endorsements that we actually use and we actually like.
- 39:22Speaker 2: If we think the product sucks, we're not going to
- 39:24Speaker 2: sell out and endorse it. So you can trust our
- 39:27Speaker 2: reviews that we have tried them, we believe in the product,
- 39:30Speaker 2: and we will continue using the product. So you can
- 39:32Speaker 2: go to bedget dot com, slash love doc okay as
- 39:38Speaker 2: the link and you can receive.
- 39:41Speaker 1: Fifty dollars off. But it's the dual system or the
- 39:46Speaker 1: budget plus the cloud sheet. Yes, so those are the
- 39:49Speaker 1: only combinations that the fifty dollars off is good.
- 39:51Speaker 2: For, which is which is a generous discount. So please
- 39:54Speaker 2: go check out the Bedget. We are so thrilled to
- 39:57Speaker 2: have them as an affiliate.
- 39:59Speaker 1: You will not regret this person, You can't.
- 40:01Speaker 2: You cannot regret it. It will be and for our
- 40:03Speaker 2: mail listeners, it will be the best present you ever
- 40:06Speaker 2: get your own.
- 40:06Speaker 1: My gosh, I've said that Josh has gotten me a
- 40:08Speaker 1: lot of things that I don't use, like my room
- 40:11Speaker 1: ba and my foot massager, but my bedjet is the
- 40:16Speaker 1: by far, the best thing that he did.
- 40:18Speaker 2: It was so funny when I was showing Donald, He's like,
- 40:20Speaker 2: do we really need a Bedget? Like are we that spoiled?
- 40:23Speaker 2: And I was like, I'm sorry, I'm sweating the bed. Yeah,
- 40:26Speaker 2: I need something. This menopause is kicking my butt. And
- 40:30Speaker 2: now he's like, I can't believe I ever said that
- 40:31Speaker 2: we didn't need this. This is amazing, and we just
- 40:34Speaker 2: like want to come on from vacation because we want
- 40:36Speaker 2: our bedget same.
- 40:37Speaker 1: I could not wait. I could not wait because I
- 40:40Speaker 1: didn't sleep great on the cruise. I will say it
- 40:42Speaker 1: was the beds. In fact, in my review for the
- 40:45Speaker 1: Royal Caribbean. Listen to the cruise. A cruise isn't the
- 40:47Speaker 1: first way that I would choose to travel, but it
- 40:49Speaker 1: was a great way to do it and see lots
- 40:51Speaker 1: of places in Alaska and just really be out on
- 40:54Speaker 1: the ocean and see the vastness and the landscape. But
- 40:58Speaker 1: their beds need an upgrade, like bad, because sleep is
- 41:02Speaker 1: so important when you're on vacation because you're doing so much. Yeah,
- 41:06Speaker 1: you have to, and then the time zone change and
- 41:08Speaker 1: all that. It's just like sleep. I was so sleep
- 41:11Speaker 1: deprived on this trip. So sleep. It's like I took
- 41:14Speaker 1: a series of naps the whole time I was on
- 41:16Speaker 1: the Oh that's yeah, Brilly. It was brutal. So and
- 41:18Speaker 1: now I'm jet lagged and still for like living in
- 41:21Speaker 1: the four hour time difference. Like I didn't go to
- 41:24Speaker 1: bed till after three am last night, but I will
- 41:26Speaker 1: say once I did go to sleep, I slept like
- 41:29Speaker 1: a rock because of my veget.
- 41:31Speaker 2: So if you're going to get the bedget, just be
- 41:33Speaker 2: honest with your partner about the purchase, make them excited
- 41:37Speaker 2: about it. Obviously, live within your means and your budget,
- 41:40Speaker 2: but you can get that fifty dollars off. Yes, bedget
- 41:43Speaker 2: dot com slash love doc.
- 41:45Speaker 1: So back to the point at hand again, talking about
- 41:50Speaker 1: financial infidelity. We've talked about secret spending. We've talked about
- 41:55Speaker 1: revenge spending.
- 41:56Speaker 2: We've talked about coming in with debt that you do
- 41:59Speaker 2: not reveal.
- 42:00Speaker 1: Right, and then control course of control through finances. Is
- 42:05Speaker 1: there anything else?
- 42:07Speaker 2: Yeah, So let's talk a little bit about solutions.
- 42:09Speaker 1: Yeah. Right.
- 42:09Speaker 2: Obviously, honesty is the best policy before you get married, Yes,
- 42:14Speaker 2: before you get married, because I have seen couples divorce
- 42:17Speaker 2: at a couple months in because of this reason, and
- 42:20Speaker 2: so it does happen. So just know that if you're
- 42:22Speaker 2: going in, you're gonna I know it seems risky now
- 42:24Speaker 2: to tell them it's riskier when you're already married. Divorce
- 42:29Speaker 2: is also costly, so then you're going to rack up
- 42:30Speaker 2: more debt from the divorce, right, if someone leaves you
- 42:33Speaker 2: for your dishonesty. And there's help and there's resources out
- 42:38Speaker 2: there for people who are spending addicts. I mean, they
- 42:41Speaker 2: have sort of AA type programs with the same structure
- 42:46Speaker 2: for spending addiction and they help you budget. There's some
- 42:50Speaker 2: you know, really great resources out there in terms of
- 42:53Speaker 2: financial planners. There's lots of programs you can buy clin
- 42:57Speaker 2: let's talk up Clint for the last episode years. Listen
- 43:01Speaker 2: to that episode and reach out to current.
- 43:04Speaker 1: Financial counselor because he has so much emotional depth and
- 43:07Speaker 1: like what those root causes.
- 43:10Speaker 2: Are, right, And so we just think it's like, well,
- 43:12Speaker 2: just stop. But it's not that easy. If you're addicted
- 43:15Speaker 2: to something or it's an emotional band aid, that which
- 43:18Speaker 2: is essentially a crutch for emotional processing, you don't know
- 43:21Speaker 2: how to give it up. You don't know how to
- 43:23Speaker 2: give it up, because then the end result than is pain.
- 43:26Speaker 2: I think the better solution is to learn if you
- 43:29Speaker 2: are you know that you are using money as a
- 43:32Speaker 2: band aid. Take my hybrid group. Learn to process your
- 43:36Speaker 2: emotions to completion. Learn the somatic strategies, learn the cognitive strategies,
- 43:41Speaker 2: because that is a real key to being able to
- 43:47Speaker 2: not use money as an emotional band aid.
- 43:51Speaker 1: And I know this is all I have to offer,
- 43:53Speaker 1: but I think a simple solution is, you know, when
- 43:57Speaker 1: you have the opportunity, just just spend more time in
- 44:00Speaker 1: nature and get more in touch with you know, really
- 44:04Speaker 1: those surroundings.
- 44:05Speaker 2: The free things in life. Yeah, the free gifts of life.
- 44:08Speaker 1: Yes, get in touch with more of the free things
- 44:10Speaker 1: in life, which is again I'm a work in process.
- 44:13Speaker 1: I'm still working on all those things. But I have
- 44:15Speaker 1: found that when I get into nature, like when I
- 44:18Speaker 1: again when I was on this cruise to Alaska, I
- 44:22Speaker 1: could kind of see myself living there and giving up
- 44:25Speaker 1: all of the material things in my life, and to me,
- 44:29Speaker 1: that felt very free like that. There's a freedom to that. Yeah,
- 44:33Speaker 1: And and but I don't know if I'm quite ready
- 44:37Speaker 1: for it.
- 44:38Speaker 2: And and one thing that I learned that I think
- 44:42Speaker 2: I will never ever ever doubt in my entire life
- 44:46Speaker 2: is that ten percent goes to God. No matter what,
- 44:51Speaker 2: that's biblical. Ten percent goes to God. And when you
- 44:53Speaker 2: actually give that ten percent, God absolutely rewards you for that.
- 44:57Speaker 2: It comes back to you. And the more I been
- 45:00Speaker 2: challenged to give in my life, and the more I
- 45:03Speaker 2: have felt called to give, because I try to be
- 45:05Speaker 2: very very generous. I don't care about being that rich.
- 45:09Speaker 2: I want to be comfortable, which I am. But and
- 45:12Speaker 2: so beyond comfort, I'm like, Okay, I can give it away, right,
- 45:16Speaker 2: So I try to give it away to charity or
- 45:17Speaker 2: try to get I give, you know more, than ten
- 45:19Speaker 2: percent to the church every every month, and I should
- 45:23Speaker 2: say every week. And it's God has come. It has
- 45:29Speaker 2: come back to me too full.
- 45:30Speaker 1: It always does.
- 45:30Speaker 2: So don't doubt God. Don't doubt that you are tithing.
- 45:35Speaker 2: Just don't see it as like one more expense. See
- 45:38Speaker 2: it is. This is going to be God rewarding me
- 45:41Speaker 2: and placing opportunities in my life for it to come
- 45:44Speaker 2: back to me. Just bet on God. And that was
- 45:47Speaker 2: actually a sermon that we had a year or two ago.
- 45:51Speaker 2: Our pastor just challenged us like, of course, you know
- 45:54Speaker 2: the church needs money, but you know up your giving.
- 45:58Speaker 2: Give the full ten percent of your income and see
- 46:02Speaker 2: what happens.
- 46:02Speaker 1: And even if you can't give, like just seek God
- 46:05Speaker 1: when there's temptation.
- 46:07Speaker 2: Right, or give what you can. If you only have
- 46:08Speaker 2: a dollar, give a dollar, you know, give a dollar
- 46:12Speaker 2: to the homeless person on the side of the road. Give
- 46:13Speaker 2: a dollar in the offering plate. Even if it's just
- 46:16Speaker 2: a dollar, it's a dollar that may buy somebody a
- 46:21Speaker 2: bottle of water, or your time.
- 46:23Speaker 1: To your time. I mean that that service is completely free.
- 46:27Speaker 1: And I mean back to going back to you know,
- 46:29Speaker 1: just seeking out the things in life that gives in
- 46:31Speaker 1: life that are free, right, and that and that is
- 46:33Speaker 1: those things are priceless, baby, priceless.
- 46:36Speaker 2: And that is atonement for if you've had you know, greed,
- 46:40Speaker 2: or you've had some problems with overspending, not.
- 46:43Speaker 1: To mention, it's something that can bring you and your
- 46:45Speaker 1: partner closer together if you do it together.
- 46:47Speaker 2: Yes, absolutely, yeah, I agree, so seek solutions. Obviously, I'm
- 46:52Speaker 2: not a financial advisor, I'm not a financial counselor, but
- 46:55Speaker 2: I can teach you how to process your emotions so
- 46:57Speaker 2: that you don't use money as a band aid to
- 46:59Speaker 2: your emotions. I think that it's probably more of a
- 47:04Speaker 2: problem for people than we talk.
- 47:06Speaker 1: About, oh for sure, for sure, So.
- 47:09Speaker 2: I think that's a great place to wrap up.
- 47:10Speaker 1: So, of course, if you are thinking financial stability or
- 47:14Speaker 1: just really secure attachment, which I think leads to any
- 47:17Speaker 1: type of stability that you're searching for, please go check
- 47:20Speaker 1: out doctor Hinsley at the loovedoc dot com. For all
- 47:23Speaker 1: of our listeners. We offer a special promo code love
- 47:26Speaker 1: dot twenty seven that will give you twenty seven percent
- 47:29Speaker 1: off any of her hybrid groups, any of Coach Elizabeth's
- 47:31Speaker 1: hybrid groups, and any of doctor Hinsley's courses to which
- 47:35Speaker 1: you have access to for Life, so you can go
- 47:39Speaker 1: back and revisit it anytime you want. Even with the
- 47:42Speaker 1: hybrid group, you have access to the course for Life,
- 47:45Speaker 1: and you have access to the video recordings for life.
- 47:48Speaker 2: Yes, so the recorded calls that we do, we do
- 47:50Speaker 2: four of them with the group. You can be anonymous
- 47:53Speaker 2: in the group if you want to be. You can
- 47:55Speaker 2: be a blank screen and you can ask questions via
- 47:57Speaker 2: private chat and I will just answer them and not
- 48:00Speaker 2: reveal any personal details if you tell me not to.
- 48:04Speaker 2: And yeah, you can learn the strategies to really become
- 48:08Speaker 2: secure and to have your nervous system only be reliant
- 48:11Speaker 2: upon you instead of another person or money or whatever else.
- 48:17Speaker 1: Yeah, and it'll give you the opportunity to be more honest.
- 48:20Speaker 1: I always say I couldn't have gone into my marriage
- 48:23Speaker 1: or been as honest as I was with Josh, given
- 48:27Speaker 1: the things that I'd been through if I wasn't securely attached,
- 48:31Speaker 1: And because it allowed me to really to be honest
- 48:36Speaker 1: with myself first so that I could be honest with him.
- 48:39Speaker 1: So reaching secure attachment. I'll say it all the time.
- 48:42Speaker 2: It's the answer to everything, literally, the answer to pretty
- 48:45Speaker 2: much everything. Because it's just it's nervous system resilience, right,
- 48:49Speaker 2: and so you don't rely on Everybody in this world
- 48:52Speaker 2: is running from emotional pain, and we have to learn
- 48:56Speaker 2: to stop doing that. We have to learn to face
- 48:58Speaker 2: our pain.
- 48:59Speaker 1: That's all I mean, that's all financial infidelity is is
- 49:01Speaker 1: running from emotional pain.
- 49:03Speaker 2: I saw a TikTok, and I cannot tell you who
- 49:05Speaker 2: made the TikTok, So I apologize to the person who
- 49:08Speaker 2: said this, because I'm not stealing your content. They were
- 49:11Speaker 2: talking about addiction recovery, and they were saying that the
- 49:14Speaker 2: people that actually recover from addiction are not the people
- 49:17Speaker 2: that are like, Okay, well, I guess I need to
- 49:20Speaker 2: quit drinking because I'm going to lose my wife, or
- 49:22Speaker 2: I guess I need to quit spending because I'm going
- 49:24Speaker 2: to lose my husband. Those people never stop. The people
- 49:28Speaker 2: that actually stop are the people that are like, screw it.
- 49:32Speaker 2: No matter what road I take, I'm facing pain. So
- 49:35Speaker 2: I might as well just do the hard work and
- 49:37Speaker 2: face the pain of overcoming this and face the pain
- 49:40Speaker 2: that abstinence from the springs, because all the roads lead
- 49:43Speaker 2: to pain, right, So whatever, I'm ready to face it.
- 49:46Speaker 2: But the people that are like doing it so they
- 49:48Speaker 2: don't lose their marriage. They're actually just coming from a
- 49:51Speaker 2: place of trying to avoid the greater pain, right and sore,
- 49:56Speaker 2: but they're not ready to face pain, and so they
- 49:59Speaker 2: move through it, and abstinence causes pain, and I have
- 50:02Speaker 2: to cope with pain. So they go right back, all right,
- 50:04Speaker 2: right to the addiction.
- 50:06Speaker 1: Yep.
- 50:06Speaker 2: Yeah, And so I thought that was, you know, really
- 50:08Speaker 2: really interesting.
- 50:09Speaker 1: Yeah, it is very interesting. And I know that you
- 50:11Speaker 1: teach a lot of that in your group. I do.
- 50:13Speaker 1: Now with that said, we do want to thank our
- 50:16Speaker 1: other affiliate Armor.
- 50:19Speaker 2: Right here in our cups, I have the blood orange
- 50:22Speaker 2: in there today.
- 50:23Speaker 1: M m. You know, so I've never actually done the
- 50:26Speaker 1: blood orange. I've always been like orange just really orange
- 50:30Speaker 1: just isn't really like my favorite flavor. But I did
- 50:32Speaker 1: just order the pineapple, so I'll report back about the pineapple.
- 50:35Speaker 1: But Armor colostrum is an all around supplement, all around
- 50:39Speaker 1: supplement that again I use. I'm using heavily right now.
- 50:43Speaker 1: I'm doing about three scoops a day, just trying to
- 50:47Speaker 1: recover from vacation and get like my digestive track back
- 50:50Speaker 1: in order.
- 50:50Speaker 2: Because it is a fantastic supplement for the gut. And
- 50:54Speaker 2: do you know that you have more neurotransmitters or I
- 50:57Speaker 2: should say almost as many neurotransmitters in your gut than
- 51:00Speaker 2: you do in your brain. Leave it. They call it
- 51:01Speaker 2: so a second it's the second brain. And so a
- 51:04Speaker 2: lot of mental health, you know, it starts in the gut,
- 51:07Speaker 2: but also vice versa, like your mental health influences your gut,
- 51:10Speaker 2: and so if you need strong support for your gut,
- 51:12Speaker 2: specifically your gut lining, Armora Closstrum is an amazing supplement
- 51:16Speaker 2: and it has really helped my skin. I think it
- 51:19Speaker 2: has helped my hair, my nails, because when your immune
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- 51:27Speaker 1: Absolutely, so thank you Armor. You can use code lovedoc
- 51:31Speaker 1: at checkout and receive fifteen percent off if you are
- 51:35Speaker 1: a first time buyer, or if you sign up for
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- 51:40Speaker 2: If it mind just comes in the mail, yeah and
- 51:42Speaker 2: you got to think about it, you get an even
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- 51:46Speaker 1: Yep, So thank you Armor. Thank you to each and
- 51:49Speaker 1: every one of you that tunes in every week, and
- 51:51Speaker 1: if you've made it this far to the end. We
- 51:54Speaker 1: love you guys so much.
- 51:55Speaker 2: Please sign up at our Patreons Yes we want you
- 51:58Speaker 2: to get the special benefits of being a patrin
- 52:00Speaker 1: Yeah, and get to see the full visual episodes, especially
- 52:04Speaker 1: Doctor Hinsley's dress today because it is sa far it
- 52:07Speaker 1: is super cute, super summary, So please go go find
- 52:12Speaker 1: us at patreons dot com, Slash the Love Dog podcast
- 52:16Speaker 1: and until next time, peace, love, and perspective.