Latest / Parent's Talk with Francine Juhlin / Episode 13: How to Teach Your Children to Manage Money (Before Its Too Late)

Transcript

Episode 13: How to Teach Your Children to Manage Money (Before Its Too Late) · Parent's Talk with Francine Juhlin

• 0:00
  Speaker 1: Hello, everybody. Welcome to Parents Talk, where we help raise
• 0:07
  Speaker 1: strong and confident kids today so we don't have to
• 0:09
  Speaker 1: fix broken adults later. And the one thing I wish
• 0:15
  Speaker 1: I had when I was younger was financial literacy training.
• 0:22
  Speaker 1: I wish somebody taught me financial literacy Yes, my parents
• 0:28
  Speaker 1: said save. Yes, my parents say we can't afford that.
• 0:32
  Speaker 1: But no one talked to me about investing money. And
• 0:35
  Speaker 1: that's why I invited Macy Baxion here to talk about
• 0:42
  Speaker 1: how to have this conversation with your kids. And she's
• 0:46
  Speaker 1: going to give you just a short little presentation that
• 0:50
  Speaker 1: we will put up on the kids channel, Sparkle Feathers
• 0:55
  Speaker 1: TV on Facebook. YouTube. Sparkle Feathers TV is my new
• 1:01
  Speaker 1: creation and it's educational videos for children to help fill
• 1:07
  Speaker 1: the gaps that they're not getting in school. And overwhelmingly,
• 1:13
  Speaker 1: when I did a little survey, I found that financial
• 1:18
  Speaker 1: literacy is the number one issue that parents and educators
• 1:24
  Speaker 1: think kids need more. So we're going to have a
• 1:27
  Speaker 1: whole series of different financial literacy teachings for the kids.
• 1:34
  Speaker 1: And the first one is what Macy did. So Macy's
• 1:39
  Speaker 1: going to go through just a little bit of her
• 1:41
  Speaker 1: presentation and show you what she did for kids. But
• 1:45
  Speaker 1: more importantly, while you're listening, think about how you would
• 1:50
  Speaker 1: approach your kids to help support them in all the
• 1:54
  Speaker 1: things she's talking about. Okay, Macy.
• 1:58
  Speaker 2: Thank you so much, Francine, for this honor. I'm super excited. I'm,
• 2:03
  Speaker 2: as a 22-year-old now, there are so many things that
• 2:05
  Speaker 2: I know I was so privileged to learn at a
• 2:07
  Speaker 2: young age. And I just want to be able to
• 2:09
  Speaker 2: pass that good fortune along to other kids. So I'm
• 2:13
  Speaker 2: going to share my screen in a moment. And as
• 2:16
  Speaker 2: it loads, these are some of the things that I
• 2:19
  Speaker 2: was using to tell kids how their money can grow,
• 2:23
  Speaker 2: what they can learn about money, and how you know,
• 2:26
  Speaker 2: how we can all make smarter decisions. Because I'm sure
• 2:29
  Speaker 2: sometimes telling a kid, we can't have this right now.
• 2:32
  Speaker 2: We can't have this toy. We need to save. They
• 2:35
  Speaker 2: don't fully understand what that means sometimes. So we're just
• 2:37
  Speaker 2: going to go through a few slides that I have
• 2:39
  Speaker 2: to kind of help them understand that there's a lot
• 2:43
  Speaker 2: of small things that they can start now and make
• 2:45
  Speaker 2: a lot better decisions later. So I taught a little
• 2:48
  Speaker 2: bit about how money can grow while you're busy living
• 2:50
  Speaker 2: your life. So here are the three things that we're
• 2:52
  Speaker 2: going to go over. Number one is compound interest. Number
• 2:56
  Speaker 2: two is the rule of 72. And then number three,
• 2:59
  Speaker 2: what are some smart habits? So think of it as
• 3:01
  Speaker 2: like your money superpowers. The tiny choices you make now
• 3:04
  Speaker 2: give you a lot more options in the future. So
• 3:07
  Speaker 2: we say investing is kind of like buying a small,
• 3:10
  Speaker 2: tiny piece of the future. It's putting money into something
• 3:14
  Speaker 2: you believe can grow over time in value. So think
• 3:17
  Speaker 2: of it like helping a good idea grow. I was
• 3:20
  Speaker 2: telling kids that maybe like saving is parking your money
• 3:22
  Speaker 2: safely somewhere. You're not touching it. It's in a corner somewhere.
• 3:26
  Speaker 2: But investing is giving your money a chance to grow.
• 3:29
  Speaker 2: So some examples could obviously be company stocks, funds, real estate,
• 3:35
  Speaker 2: or maybe a business. I was telling a lot of
• 3:36
  Speaker 2: the kids it's basically like if your favorite video game
• 3:40
  Speaker 2: right now got more valuable over time, if more people
• 3:43
  Speaker 2: were interested in over the years, that's a great way
• 3:47
  Speaker 2: for you to understand investing. Compound interest is when your
• 3:52
  Speaker 2: interest earns interest. So think of it like a snowball
• 3:56
  Speaker 2: running downhill. You have a small little ball at the
• 3:59
  Speaker 2: top and when you push it, all the snow gathers
• 4:02
  Speaker 2: around each other without you having to do anything. And
• 4:05
  Speaker 2: that's exactly what happens to your money when it's put
• 4:08
  Speaker 2: into an interest level account. So you could start with
• 4:11
  Speaker 2: a hundred dollars at the top of the hill. And
• 4:12
  Speaker 2: as it rolls all the way to the bottom, you
• 4:14
  Speaker 2: could have over 133. Now these are obviously pretty small numbers,
• 4:18
  Speaker 2: but especially when talking to kids, It's easy for them
• 4:21
  Speaker 2: to understand the basic numbers rather than getting involved in
• 4:24
  Speaker 2: all the math right now. But the key idea is
• 4:26
  Speaker 2: that your money can start doing some of the work
• 4:29
  Speaker 2: for you without you even touching it. So an example
• 4:33
  Speaker 2: would be maybe just $ 100 with a 10% growth. So again,
• 4:36
  Speaker 2: just a small figure for kids to wrap their heads around.
• 4:41
  Speaker 2: You can notice in year one, it's still at $ 100,
• 4:43
  Speaker 2: but over the next six years, it's over at $ 161.
• 4:46
  Speaker 2: So the dollar jump gets bigger and bigger, $ 10 and $ 11,
• 4:51
  Speaker 2: then $ 12. That's compounding. That's how your money can grow without, again,
• 4:56
  Speaker 2: you not investing another dollar into the account. So this
• 5:01
  Speaker 2: is the rule of 72. So this is something that
• 5:04
  Speaker 2: you can do early with your kids to help them
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  Speaker 2: understand that time is on their side. They're actually going
• 5:10
  Speaker 2: to be the smartest in the room by being young
• 5:12
  Speaker 2: and understanding this rule. So this is a fast doubling
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  Speaker 2: a shortcut. It's basically just the number 72, which is again,
• 5:19
  Speaker 2: it's just the number 72 divided by the growth rate.
• 5:23
  Speaker 2: And that will equal the years it would take that
• 5:25
  Speaker 2: money to double. You can really show kids that time
• 5:29
  Speaker 2: is on their side right now. They can become, you know, multimillionaires, right?
• 5:34
  Speaker 2: Like show them that the world is has so many
• 5:37
  Speaker 2: possibilities for them. So if your growth is at 6%,
• 5:40
  Speaker 2: which is pretty good, 72 divided by six is about
• 5:43
  Speaker 2: 12 years. So it's not a crazy amount of time,
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  Speaker 2: but it is a significant amount of years. If the
• 5:49
  Speaker 2: growth is at 8%, it would take about nine years
• 5:52
  Speaker 2: for that to double. And obviously if the growth is
• 5:54
  Speaker 2: over 12%, you know, it'll take only six years. Think
• 5:57
  Speaker 2: about it. Six years is basically middle school and high
• 6:00
  Speaker 2: school for that money to double. So higher growth can
• 6:04
  Speaker 2: double faster. And obviously, we understand that it would usually
• 6:07
  Speaker 2: come with some more risk. So those are going to
• 6:09
  Speaker 2: be the differences between a 6 and 8 and a 12.
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  Speaker 2: So I asked the kids, you know, which one would
• 6:13
  Speaker 2: double faster using the rule of 72? Would A, 4%
• 6:17
  Speaker 2: growth be faster or B, 9% growth? Obviously, it's going
• 6:22
  Speaker 2: to be B. But look at the numbers here. This
• 6:24
  Speaker 2: is what's really interesting. So the difference between 4 and
• 6:28
  Speaker 2: 9 is kind of small in the grand scheme of things, right?
• 6:31
  Speaker 2: They're both under 10. But 72 divided by nine is
• 6:35
  Speaker 2: eight years. And then 72 divided by four is 18 years.
• 6:41
  Speaker 2: So it's a quick brain workout, but I think it
• 6:43
  Speaker 2: really can put into words like how early you can
• 6:48
  Speaker 2: never be too early to start investing and start teaching
• 6:50
  Speaker 2: your kids this. So here are some three habits that
• 6:53
  Speaker 2: can make investing less scary for your kids and also
• 6:56
  Speaker 2: for you. So number one is obviously starting early. Time
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  Speaker 2: is the secret ingredient. yesterday was always the best day
• 7:02
  Speaker 2: to start your investing journey. Number two, spread it out.
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  Speaker 2: You know, don't put it all in one account. Don't
• 7:08
  Speaker 2: put it all in one interest. You know, spread it
• 7:10
  Speaker 2: out a little bit so you don't have to put
• 7:11
  Speaker 2: all your eggs in one basket. And then number three,
• 7:15
  Speaker 2: obviously expect some bumps. Markets go up and down. Just
• 7:18
  Speaker 2: plan that it's going to happen. And as long as
• 7:21
  Speaker 2: you're going on this journey with someone you trust, someone
• 7:24
  Speaker 2: who you know has your best interest in mind, that
• 7:27
  Speaker 2: is going to make everything so much easier. If you
• 7:30
  Speaker 2: know hey, my cousin George does this and I know
• 7:32
  Speaker 2: he's going to care so much about what happens to
• 7:34
  Speaker 2: my money. He's going to keep me updated. That's exactly
• 7:37
  Speaker 2: what you're looking for. So smart investing is not necessarily
• 7:40
  Speaker 2: a get rich quick thing. It's a grow patiently. So
• 7:45
  Speaker 2: here to wrap it all up, this is what we
• 7:46
  Speaker 2: talked about are your money superpowers, right? Number one, we
• 7:49
  Speaker 2: talked about compound interest, which is growth on growth. Number
• 7:53
  Speaker 2: two is the rule of 72. So just a quick
• 7:55
  Speaker 2: doubling estimate. And then number three, Time and patience and
• 7:59
  Speaker 2: spreading it out equals smarter investing. Ask your kids this.
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  Speaker 2: If they invested $ 20 a month for the next year,
• 8:08
  Speaker 2: what would they want that future money to help them do?
• 8:11
  Speaker 1: Thank you. Thank you. That was awesome and a lesson
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  Speaker 1: I wish I got when I was younger. Yeah. Let
• 8:18
  Speaker 1: me ask. We talked about this is for grades four
• 8:24
  Speaker 1: through six.
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  Speaker 2: Mm-hmm.
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  Speaker 1: Do you think that we could approach a third grader
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  Speaker 1: with this too?
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  Speaker 2: I think that there are so many possibilities you can
• 8:42
  Speaker 2: do when you talk to kids about financial education. And
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  Speaker 2: I think the biggest thing is putting it into a
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  Speaker 2: language they understand. I remember my local bank when I
• 8:52
  Speaker 2: was a kid, they had a program similar to this,
• 8:54
  Speaker 2: teaching kids about finances. saving and investing. And I think
• 8:58
  Speaker 2: they all use like a lemonade stand as an analogy, right?
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  Speaker 2: So I think you can really teach kids as early
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  Speaker 2: as possible. And maybe they're not going to fully understand
• 9:07
  Speaker 2: in third grade, but as long as you're exposing them
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  Speaker 2: to the words, you're exposing them to the language that
• 9:13
  Speaker 2: maybe in sixth grade, when they feel a little bit
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  Speaker 2: more ready for it, it's not going to be as
• 9:19
  Speaker 2: indecipherable for them, right? It's going to seem like, wait,
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  Speaker 2: I remember that word from a few years ago. Oh,
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  Speaker 2: is that really what it means now? So I think
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  Speaker 2: it's something that you can start that conversation as early
• 9:30
  Speaker 2: as they can understand these things. But that might be
• 9:35
  Speaker 2: a patience thing. You might just have to wait a
• 9:37
  Speaker 2: few years for them to really understand what it means.
• 9:40
  Speaker 1: We are going to be doing videos. And by the
• 9:43
  Speaker 1: time you're watching this, they may already be done. I
• 9:46
  Speaker 1: have a banker friend who's going to be helping me
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  Speaker 1: make some videos on counting money and budgeting and other
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  Speaker 1: fun topics for the kids where they can learn how
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  Speaker 1: to count change. and count money, which is all starting
• 10:03
  Speaker 1: this process in learning how to grow money in the future.
• 10:09
  Speaker 2: Now, I.
• 10:11
  Speaker 1: Met Macy through her father. His name is so close
• 10:16
  Speaker 1: to another friend I have. I didn't want to call
• 10:18
  Speaker 1: the wrong name. Manesh, yes. And I just listened to
• 10:25
  Speaker 1: what he had to say about how he raised his kids.
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  Speaker 1: I mean, they're professional speakers at a very young age.
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  Speaker 1: He just raised them with this business sense. And how
• 10:41
  Speaker 1: did your father... get you started in wanting to learn
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  Speaker 1: this because not a lot of kids think this is
• 10:49
  Speaker 1: fun and exciting.
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  Speaker 2: That's kind of my example is that I was young
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  Speaker 2: and he started using these words like interest. He started
• 10:56
  Speaker 2: using big words like that when it comes to investing.
• 10:59
  Speaker 2: And I guess he was just saying it for so
• 11:03
  Speaker 2: long when I was really young. I don't even remember
• 11:05
  Speaker 2: how young I was. But it didn't really mean anything
• 11:08
  Speaker 2: to me at the time. But as the years had
• 11:10
  Speaker 2: gone by, and he kept reiterating these basic principles and concepts,
• 11:16
  Speaker 2: once I was finally old enough to really understand, and
• 11:20
  Speaker 2: I personally started working when I was 11. That was
• 11:22
  Speaker 2: my first time I got a job. And so when
• 11:26
  Speaker 2: I was finally at that age where I was dealing
• 11:29
  Speaker 2: with type money all the time, I was really understanding
• 11:32
  Speaker 2: the value of savings. And he was telling me on,
• 11:36
  Speaker 2: you know, what does it mean? And he was using
• 11:38
  Speaker 2: language that I could understand at the time too, right?
• 11:41
  Speaker 2: I think I was really into like American girl dolls
• 11:42
  Speaker 2: at the time or something. And so using things like
• 11:45
  Speaker 2: interest of, you know, valuables, right? Like something that is valuable,
• 11:50
  Speaker 2: like what I think is, Maybe a decent price right now,
• 11:54
  Speaker 2: like the average American girl at the time was one
• 11:56
  Speaker 2: hundred and ten dollars and now they're like one hundred
• 11:58
  Speaker 2: and thirty. Right. So using him telling me examples on
• 12:01
  Speaker 2: that when it comes to inflation, when it comes to interest,
• 12:04
  Speaker 2: when it comes to growing your money, he was just
• 12:08
  Speaker 2: patient about teaching me as the years had gone by.
• 12:11
  Speaker 2: And because he knew these concepts already when I was born,
• 12:15
  Speaker 2: he started my Roth IRA pretty young. And because of that,
• 12:20
  Speaker 2: it's grown exponentially since then because he opened it about
• 12:24
  Speaker 2: eight years ago for me.
• 12:27
  Speaker 1: So that's another thing that parents could learn is that
• 12:33
  Speaker 1: if you start now your capital investment will be so
• 12:39
  Speaker 1: much smaller and will get you to the same spot
• 12:42
  Speaker 1: later when it's time to pay for college.
• 12:45
  Speaker 2: Yes.
• 12:46
  Speaker 1: If you wait till they're ready to go to college, oh,
• 12:50
  Speaker 1: I forgot. Yeah. Yeah. Avoid that situation when you could
• 12:57
  Speaker 1: start now with maybe even just $ 20 a paycheck in
• 13:01
  Speaker 1: an interest-bearing account or money market fund. and watch it
• 13:06
  Speaker 1: grow while they're in first, second, third grade all the
• 13:10
  Speaker 1: way up through high school versus, oh, they're in high
• 13:13
  Speaker 1: school and they want to go to college, now what?
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  Speaker 1: So I think this training is good for the parents
• 13:20
  Speaker 1: too who are so, and it's really not their fault,
• 13:25
  Speaker 1: they're just so busy with the day-to-day of making sure
• 13:29
  Speaker 1: their kids are eating and they have a roof over
• 13:31
  Speaker 1: their heads and they have clothes to wear that sometimes
• 13:34
  Speaker 1: They might not think how easy it is to plan
• 13:38
  Speaker 1: that far ahead. Two cups of coffee at Starbucks in
• 13:42
  Speaker 1: a savings account will go a whole lot further.
• 13:46
  Speaker 2: Yeah, I mean, think of it like this way. I'm
• 13:50
  Speaker 2: not sure if anyone's made pickles before or anything like that,
• 13:53
  Speaker 2: but pickles are only made through time, right? Adding more
• 13:56
  Speaker 2: and more vinegar is not going to make the process easier.
• 14:00
  Speaker 2: speed up it's not going to make it you know
• 14:02
  Speaker 2: faster same thing as like you're baking a turkey time
• 14:05
  Speaker 2: is the only thing really you you need for that
• 14:08
  Speaker 2: right you can't necessarily go from 350 to 500 and
• 14:12
  Speaker 2: be like, it's going to cook in less time. That's
• 14:14
  Speaker 2: not how it works. And it's the same thing with investing.
• 14:16
  Speaker 2: It's the same thing with money. It's like, yeah, you
• 14:19
  Speaker 2: could put more money into it later, but still that
• 14:21
  Speaker 2: time is too valuable that you can't necessarily speed up
• 14:25
  Speaker 2: that process by thinking, oh, I can invest tomorrow. I'll
• 14:28
  Speaker 2: have more money tomorrow. That's not how it works. As
• 14:31
  Speaker 2: much as we want to, you know, putting $ 20 yesterday
• 14:34
  Speaker 2: is even better than putting $ 40 tomorrow. Think of it
• 14:36
  Speaker 2: like that.
• 14:39
  Speaker 1: I love the turkey analogy because I remember my husband
• 14:43
  Speaker 1: once said, well, let's just turn it up. And I'm like, no,
• 14:47
  Speaker 1: I don't think that'll work. Well, he did it anyways.
• 14:50
  Speaker 1: And it was burnt on the outside. Yes. So kind
• 14:53
  Speaker 1: of raw on the inside.
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  Speaker 2: Exactly.
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  Speaker 1: And that's what your savings account will be like. You'll
• 14:59
  Speaker 1: get this burning desire to have all the money you want,
• 15:03
  Speaker 1: but it's still going to be developing on the inside.
• 15:06
  Speaker 2: Absolutely. Absolutely.
• 15:08
  Speaker 1: So tell me, Macy, you have a whole career now
• 15:14
  Speaker 1: around financial planning. Can you tell everybody what you do
• 15:18
  Speaker 1: and maybe how you could help them?
• 15:20
  Speaker 2: Yeah, well, I help people understand the basics when it
• 15:24
  Speaker 2: comes to their investments, when it comes to protecting their family.
• 15:27
  Speaker 2: We have a pretty easy, I think, a seven-step process
• 15:31
  Speaker 2: to help people with their debt, with their investments, on
• 15:34
  Speaker 2: growing their money, on eliminating some of those issues. And
• 15:37
  Speaker 2: so when it comes to anything like that, that's what
• 15:40
  Speaker 2: I help people with. So I can help them put
• 15:41
  Speaker 2: them in the right state of mind. And then also,
• 15:44
  Speaker 2: we're a very hands-on family. We're all involved with it,
• 15:48
  Speaker 2: which means that We always have some built-in accountability, right?
• 15:51
  Speaker 2: We're going to be with you all the steps of
• 15:53
  Speaker 2: the way. We're not just going to give you some
• 15:54
  Speaker 2: of the solutions and say, good luck, figure it out
• 15:56
  Speaker 2: on your own. We're going to work with you. We're
• 15:58
  Speaker 2: going to help you. And we help families who have
• 16:01
  Speaker 2: as little as, you know, $ 50 to invest to start.
• 16:04
  Speaker 2: Or we have people who, you know, they have a
• 16:06
  Speaker 2: lot of money that they're ready to put into their
• 16:08
  Speaker 2: retirement accounts. Like any... Any such client where they're like,
• 16:13
  Speaker 2: you know, I can at least benefit from learning the
• 16:14
  Speaker 2: basics for at least my family. That's who we help.
• 16:18
  Speaker 2: And that's how you can reach out to me. So
• 16:19
  Speaker 2: the best way to find me is you can find
• 16:22
  Speaker 2: me on any social Instagram, Facebook, LinkedIn. It's all just
• 16:26
  Speaker 2: my name, Macy Baxey. So you can just look me
• 16:29
  Speaker 2: up and reach out. So you're from Francine's video. And
• 16:32
  Speaker 2: I'm so excited to chat and see how we can
• 16:35
  Speaker 2: help each other.
• 16:35
  Speaker 1: I love this. Do you have any last words for parents?
• 16:43
  Speaker 1: Just any last words that I could take home with them.
• 16:48
  Speaker 2: Yeah. So the number one issue when it comes to
• 16:50
  Speaker 2: your finances is that, and the reason people don't seek
• 16:53
  Speaker 2: out help is because they feel like they should already
• 16:55
  Speaker 2: know this. And it's embarrassing to ask for help sometimes.
• 16:59
  Speaker 2: And I completely understand. It's not a fun conversation. It's
• 17:03
  Speaker 2: not easy to seek someone out and say, hey, I
• 17:05
  Speaker 2: don't understand this. Can you help me? It's like being
• 17:08
  Speaker 2: the only person who raises their hand in class being like,
• 17:11
  Speaker 2: I don't understand this concept. And everyone else is like, oh,
• 17:14
  Speaker 2: I already know it. It feels like that, but that's
• 17:17
  Speaker 2: not the truth. The truth is that seeking something out,
• 17:21
  Speaker 2: learning about what just options there are for you are
• 17:25
  Speaker 2: going to be better not only for you, but for
• 17:27
  Speaker 2: your partner, for your kids, for your grandkids, for your legacy.
• 17:32
  Speaker 2: Are you going to be known as the person who
• 17:34
  Speaker 2: could have gotten help but didn't? Or are you going
• 17:37
  Speaker 2: to be the person that your kids look up to you?
• 17:40
  Speaker 2: Like I look up to my parents and I know
• 17:41
  Speaker 2: that they did everything in their power to not only
• 17:44
  Speaker 2: do the right things for me, but learn and constantly
• 17:47
  Speaker 2: be learning. So there's no shame. You can be at
• 17:49
  Speaker 2: any age and reach out and say, I need help.
• 17:51
  Speaker 2: And that's just our goal is to help. That's all
• 17:54
  Speaker 2: it is. And so that's what I just want people
• 17:55
  Speaker 2: to know is that there's nothing embarrassing. If you learn
• 17:58
  Speaker 2: something new in this video, I'm so happy to hear.
• 17:59
  Speaker 2: You're not supposed to have known these things before. Don't
• 18:02
  Speaker 2: worry about it. You know, knowing today is better than
• 18:05
  Speaker 2: never knowing. So just a huge hats off to anyone
• 18:08
  Speaker 2: who's interested in learning about these things and helping their family.
• 18:12
  Speaker 2: And I would love to help take that next step.
• 18:15
  Speaker 1: And here's a little cautionary tale. I know when I
• 18:19
  Speaker 1: needed help, I found the wrong help.
• 18:23
  Speaker 2: Sure.
• 18:23
  Speaker 1: And it was back before the computer era even, before
• 18:28
  Speaker 1: all these computer scams. I can't imagine what it would
• 18:31
  Speaker 1: be like to be totally overwhelmed and not know where
• 18:39
  Speaker 1: to turn. I'm here to tell you, Macy is one
• 18:44
  Speaker 1: of the good ones.
• 18:45
  Speaker 2: Thank you.
• 18:47
  Speaker 1: She is there to help and protect you. She's not
• 18:50
  Speaker 1: out there to scam you.
• 18:52
  Speaker 2: Thank you.
• 18:53
  Speaker 1: Be very careful who you trust because they are out there.
• 18:59
  Speaker 1: They say they're going to help you, but all they're
• 19:02
  Speaker 1: looking is for a piece of your action. So make
• 19:07
  Speaker 1: sure you vet the people who you want to help you.
• 19:12
  Speaker 1: And Macy is pre-vetted for you.
• 19:15
  Speaker 2: Thank you. I appreciate it, Francine. It means a lot
• 19:19
  Speaker 2: to be vetted like this and be put on your platform.
• 19:22
  Speaker 1: Thank you so much. And if you have any questions,
• 19:26
  Speaker 1: please put it in the comments and we'll come back
• 19:29
  Speaker 1: and answer them. And please subscribe, not only to this
• 19:35
  Speaker 1: channel for my adult audience, but please subscribe to Sparkle
• 19:41
  Speaker 1: Feathers TV. where you could get all of this cool
• 19:45
  Speaker 1: programming for kids where we're trying to fill the gaps
• 19:50
  Speaker 1: where the schools just don't have the resources to fill anymore.
• 19:54
  Speaker 1: Thank you. Bye.
• 19:55
  Speaker 2: Bye.