Latest / The Inspired Stories Podcast / How Naomi Fox Overcame Adversity and Transitioned from Investment Analyst to Thriving Daycare Owner | Childcare Series
Transcript
- 0:04Welcome to another edition of Inspired Stories, where leaders
- 0:07share their experiences so we can learn from their successes,
- 0:10how they've overcome adversity, and explore current challenges
- 0:13they're facing. Welcome to another edition of
- 0:18the Inspired Stories podcast, where leaders share their
- 0:21experiences so we can learn from their successes and be inspired
- 0:24by how they've overcome adversity.
- 0:26My name is Anthony Codispotti, and today's guest is Naomi Fox,
- 0:30founder of the Fox's Den Childcare Center, where they
- 0:33have three locations in Northeast Ohio, Wadsworth,
- 0:36Canal, Fulton and Creston. Their website is the Fox's Den
- 0:40childcare.com. Naomi herself is a mother of
- 0:44four children, and we'll hear about how she first transitioned
- 0:47from an investment analyst to opening a daycare in her own
- 0:51home, and then how she expanded into the three locations that
- 0:54she owns today. At their centers, they care for
- 0:57infants up through preschool age and even have before and
- 1:01aftercare available for K through 5th grade.
- 1:04Naomi opened her first center because she believed there had
- 1:07to be a better approach to childcare.
- 1:09Their lower student to teacher ratios allow each child to
- 1:12receive the attention they need. Before we get into all that good
- 1:16stuff, today's episode is brought to you by my company,
- 1:19Add Back Benefits Agency, where we offer very specific and
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- 1:28One recent client was able to add over $900 per employee per
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- 1:39To find out if your company qualifies, contact us today at
- 1:42Add Back benefitsagency.com. Now back to our guest today, the
- 1:46founder of the Fox's Den Childcare.
- 1:48Naomi, I appreciate you making the time to Share your story
- 1:50today. Absolutely.
- 1:52I'm excited. OK.
- 1:53So let's go back to kind of the beginning.
- 1:56You were an investment analyst. How did the idea come about to
- 2:00transition from that into opening up your first daycare
- 2:04center in your own home? OK, well I guess we'll need to
- 2:06go just a little bit further back because it it all started
- 2:10when I became an adult. I was married at the age of 18
- 2:15and immediately wanted to just be a mother.
- 2:17And that didn't happen. So then I immediately wanted to
- 2:21spend whatever time I had being as successful as I could be.
- 2:25So I got into the business of financial planning and studied
- 2:31and took tests and was had my stockbroker's license.
- 2:34And I did that for many years while we tried to build our
- 2:36family. We were unable to to become
- 2:40parents for eight years until we adopted our first son.
- 2:45His name is Calvin and he's now 13.
- 2:47So this is a long time. But in the midst of adopting our
- 2:54first son, we have also became foster parents.
- 2:56So we were foster parents for eight years as well.
- 3:00And during that time, I, I worked some and I always stayed
- 3:05in the investment industry. And I also, you know, managed
- 3:10our foster children. And it got to the point after
- 3:13eight years where we were not able to adopt through foster
- 3:16care. We have, we loved many children.
- 3:18Many came through our home. We were very connected to them,
- 3:21but they would move on as it goes.
- 3:24We would have adopted any one of them.
- 3:25We just, it just didn't work out that way.
- 3:27So nearing the end of that eight-year mark, we did get a
- 3:32call finally for two little boys that were already in the system,
- 3:36but they were available to be adopted.
- 3:39And they had, both of them, their biological brothers, they
- 3:42had gone from birth to a foster home.
- 3:46In their foster home. It was an older couple that just
- 3:49fostered. They didn't adopt children.
- 3:51So when those children became available for adoption, they
- 3:54needed to find an adoptive family.
- 3:56And they found us. And I knew at that time I was
- 3:59working part time and I knew if these boys were to come into my
- 4:03home and I continued working part time, they would need to go
- 4:06to daycare. And a one and two year old that
- 4:10are going to join my family permanently.
- 4:12I didn't want them going to my house and then to daycare every
- 4:17other day of the week and not really being able to bond with
- 4:20our family. So I just literally out of
- 4:23nowhere got the idea to open an in home daycare where I could be
- 4:28home. They can be with me, but I can
- 4:30also watch other children in order to have some income.
- 4:35That was in 2017. I opened January 1st, 2017.
- 4:39They moved into our house March 1st of 2017 and it was it was
- 4:44going great. I knew I wanted to run my in
- 4:47home daycare like like I would run it if it were not an in
- 4:50home. So one thing I always tell
- 4:52people, because I've talked to people over the years that had
- 4:55questions about starting a business, I say start how you
- 4:57want to finish. Be professional upfront because
- 5:01you're going to get there eventually where you're going to
- 5:02need all these things like a handbook, a tax ID number,
- 5:06invoicing receipt, like you're going to need to be that way
- 5:10eventually if you want to grow. So you need to start that way.
- 5:13And that's what I did. And I had a website bill just
- 5:16for my little in home daycare for six children and my my sons
- 5:21were part of that. And it was, it was amazing.
- 5:25I loved it. I couldn't believe that I hadn't
- 5:27thought of it sooner since we had been foster parents for so
- 5:29long. I was really good at financial
- 5:33planning and good at spreadsheets and good at running
- 5:35numbers. I didn't like it though.
- 5:38I really did not like it. But I did it every day and once
- 5:42I opened my in home daycare, I loved it.
- 5:46It was fun. We had birthday parties for my
- 5:49dog. We had a full preschool program
- 5:53and we just, we had the best time.
- 5:56And those children that started in my home seven years ago, they
- 6:00all graduated through my centers and stayed with us.
- 6:03And that was just, that's always been emotional to like watch
- 6:07those children that whose parents trusted me on day one,
- 6:11having no clue who I am and then seeing them stay with us until
- 6:15their kids graduated out of our program.
- 6:18They've always had a special place in my heart, but that was
- 6:21the reason we started was my my boys were moving into our home
- 6:25and I wanted them to be with me every day at first.
- 6:30And then we just, we were in my home for about a year and three
- 6:36months before we moved to our first small center.
- 6:40And did you do that simply because the demand was, you
- 6:44know, growing so much that you needed to?
- 6:45The demand was growing and I have always been the type of
- 6:50person that I don't like to to stay in one place.
- 6:54So when I got into being an administrative assistant in the
- 6:58financial planning industry, I wasn't going to stay
- 7:01administrative assistant for 1015 years.
- 7:04I studied, I moved forward and I advanced and that's where it was
- 7:09with my in home daycare. I wanted to grow.
- 7:13I said, this is going great. I love it, it's fun, let's do
- 7:15more. And then so about 10 months in,
- 7:19I had known about a church in the area that wasn't using their
- 7:22building and I reached out to them to see if we could lease
- 7:26part of it and open our first center there.
- 7:29And then that it worked. It just it all fell into place
- 7:33and I liked, I mean, I credit it to, to God and God's hand
- 7:37leading us through every step of the way because I had never
- 7:40worked in a daycare a day of my life.
- 7:43I just love taking care of children.
- 7:45So I had a lot to learn that I didn't even know I had to learn.
- 7:49There was a huge curve there. And over the years, and I can
- 7:53share how I've made many mistakes, but I've made them
- 7:56once because you have to learn from them.
- 7:59And that was a huge step for me. But it was fun and exciting to
- 8:05learn something new as well, and to dig in and figure it out and
- 8:08to have each door open along the way to get to get there.
- 8:14Made many mistakes but only made them once.
- 8:16I like that. Yes, that's what I tell my staff
- 8:21as well. Like, you know, mistakes happen,
- 8:24but don't let them happen again because now you know.
- 8:28I mean, what you're describing sounds like, you know, great
- 8:31sort of American Dream story. Did you have, you know, like a
- 8:36good entrepreneurial role model growing up?
- 8:39I would say that I didn't grow up in the best of situations.
- 8:44My family unit, my father was in prison my whole life.
- 8:48My mom was a single mom that, you know, would go in and out of
- 8:52working. She never was really committed
- 8:54to one thing, but I did have my father's mom, so my paternal
- 8:59grandmother was always there. She would take me to church on
- 9:03Sundays. She made sure she paid for me to
- 9:06go to private school because that was important to her.
- 9:10And I do credit a lot of my success to, you know, going to a
- 9:14college prep school and learning a lot of things that people
- 9:16learn in college. I learned.
- 9:17I'm in high school and I did well in school.
- 9:21And I will say that see, in the contrast of my grandma, who's
- 9:25always been a very successful hard worker, in the contrast of
- 9:29my family of origin and who I grew up around, it made me want
- 9:34the other side of things. I, I strove to be like my
- 9:38grandma, to do the things she did and to, to be successful in
- 9:44life. I could see that she was
- 9:45successful. She didn't live in the projects,
- 9:47She didn't have food stamps, you know what I mean?
- 9:49She didn't live in poverty. So it's like, do what she does
- 9:52and you'll get somewhere. And and that's, that's what I
- 9:56did. And I thank God for that role
- 9:58model in my life that I could look at and see that there was a
- 10:00difference than what I was surrounded by.
- 10:03What a powerful lesson you're describing there because you
- 10:07know, not only did you have the positive role model, right?
- 10:10This was a person that you wanted to aspire to be, but in a
- 10:12lot of ways you had, I don't know if negative role model is
- 10:15the right term, but you had this sharp contrast to say, wow,
- 10:20there's a big difference here. I can see what's possible over
- 10:24here and I can see what it looks like on the other side.
- 10:27And I don't want that. I know that this is possible
- 10:30because I come from this person, right?
- 10:32I am part of this bloodline and, and she's helping me.
- 10:35She's showing me the way. Yes, yes.
- 10:38And she, she always, there's some things she instilled in me
- 10:41that that I carry to this day. And one of the things she always
- 10:44said, if there's a will, there's a way.
- 10:46So having that will to do something means you're going to
- 10:49figure it out. There's a way to get it done.
- 10:52And I've had to use that almost every day of my life.
- 10:56And then she always told me that God is always in control.
- 10:59So those two founding like foundational pieces of who I am
- 11:04and how I grew up have allowed me to not freak out, figure
- 11:10things out, and just keep moving forward.
- 11:13Wow. I, you know, there's a usually a
- 11:16part in the interview a little bit later where I like to ask
- 11:18about, you know, a particular challenge that you've overcome
- 11:22either personally or professionally.
- 11:23I wonder if there's more to be said about kind of your
- 11:26childhood growing up and you know, some of the lessons that
- 11:29you learned along the way from that.
- 11:32I mean, it's just pretty simple, like work hard and don't do
- 11:38things that are considered bad. Don't, don't drink, don't do
- 11:41drugs. Just say no.
- 11:42I mean, I was exposed to that and I could have very easily
- 11:46done all of those things. But I didn't actually didn't
- 11:49even have my first sip of alcohol till I was 26 years old.
- 11:52So it's just one thing because you see what something like that
- 11:56can do to a family. I saw it first hand.
- 11:59So it's like don't do that. Do this instead.
- 12:03But I've learned a lot more lessons as I've gotten older.
- 12:06I feel like, I feel like there's never been one big challenge.
- 12:10It's been lots of big challenges.
- 12:14And I just keep like, you know, from from my childhood to
- 12:19infertility for a very long time to starting the business and
- 12:25figuring out, I don't even know what a building code was, but
- 12:28having to cross those hurdles to where now if I had to open
- 12:33another daycare, I could do it almost overnight.
- 12:36But that first time opening, it was overwhelming trying to
- 12:40figure all of that out. And I had nobody helping me.
- 12:43I didn't even know I could call the state of Ohio and have them
- 12:46help me now. Now they now I do know that, but
- 12:49I didn't. So I was just just really just
- 12:51trying to figure it out. A couple things there I'd like
- 12:55to unpack, if you're willing. You know, there's, it doesn't
- 12:58get talked about a lot, but fertility challenges are very
- 13:03common and incredibly stressful. What advice would you have for
- 13:09somebody listening who is going through a similar challenge now?
- 13:16I would say that I mean, faith plays a huge part in my life.
- 13:20And I got to the point before we adopted our first son where I
- 13:24said, you know what, God, if it's, if it's not your will for
- 13:27me to have any children, then I need to be OK with that.
- 13:30And my life could be amazing in a different way.
- 13:33I don't even know. I almost had to just give it up
- 13:37because I remember the, the exact time I, I had that
- 13:41conversation and made that decision, it was two months
- 13:44later that we were contacted to adopt my son.
- 13:46So it was like almost like you have to let go and focus on
- 13:52everything else around you that you can, that's good and not
- 13:55make that the only thing that you can focus on, which is very
- 13:59hard to do. But I can say this, it took
- 14:02eight years to adopt my first son, and it was 11 years after
- 14:07that until we adopted our next two.
- 14:11No, it wasn't. It was eight years and then it
- 14:13was six more years, I think, before we adopted the next one.
- 14:17And then this is the crazy part, 17 years from the time we got
- 14:22married. I did get pregnant finally, and
- 14:26we have a daughter. Thank God it's not another boy.
- 14:30And so and I never after we had three boys, I said I don't want
- 14:34any more kids. I always wanted a lot, but three
- 14:37boys is literally insane. And I was very excited to be
- 14:42pregnant because I had never even been pregnant once.
- 14:45But also I was scared. I was like, if this is another
- 14:47boy, like I don't, I really don't want that.
- 14:51And you know, it's a girl. Her name is Joy.
- 14:54She's great. She's 4 now, but that was that
- 14:58was interesting to to go through.
- 15:01What a great and apropos name for your daughter.
- 15:05Yeah, well, right. She's her birthday is at
- 15:07Christmas time too, so it just all fit together.
- 15:11That's amazing. And as a father of two little
- 15:14boys, 8 and 10, yeah, I can attest to the challenges of a
- 15:18lot of little testosterone bodies bumping up against each
- 15:21other in the house. So yeah, adding a third in
- 15:23there, I, I, I could understand your apprehension about bringing
- 15:26a, a fourth boy. Into the house.
- 15:28It's exponential too. It's not just like you add a
- 15:31second one and it's double trouble.
- 15:33No, it's like, it's more than that.
- 15:35It's like, and like one time when my husband and I were were
- 15:39very young, we got two puppies at the same time.
- 15:41We thought that would be great. No, they like make each other
- 15:44Dumber. And it's harder to train 2 at
- 15:47the same time than it is to do one.
- 15:49And I whether it's offensive or not, that's what little boys do
- 15:53to each other. They make each other less smart.
- 15:58Actually, I think that's a really good way to put it.
- 16:00I'm going to have to share that with my wife tonight because
- 16:02we've noticed that maybe if one of them's, you know, playing
- 16:04with a friend for the day and we've got one home with us and
- 16:07the house is so quiet and peaceful and they're so kind and
- 16:11calm. And then the, you know, the
- 16:14other one comes in and right away they're at each other and
- 16:17they're poking and they're hitting and they're yelling so.
- 16:19Yeah. I think, I think dumb dogs is is
- 16:23an appropriate comparison. So well, you know something else
- 16:29I wanted to talk about. You know, you mentioned building
- 16:31codes, didn't know anything about building codes.
- 16:35Did you have someone like as you were going along that was a
- 16:39resource for you that you could reach out to and say, I, I don't
- 16:43even know like the questions to ask or who to call or like?
- 16:46I have. No idea what to do next.
- 16:48Honestly, no, no I did not. I would just call the building
- 16:53department and ask the questions and if I didn't feel like I got
- 16:56the answer, I'd call again and I'd ask a different question or
- 17:01I'd speak to someone else. That was the very first go
- 17:03around. So when we first opened we were
- 17:06in the basement of a church and we were licensed for only 30
- 17:09children. It was a very small space.
- 17:12We could only have 3 infants and then, you know, 27 other age
- 17:16children. And so it was a huge hurdle, but
- 17:20it was a very small operation. After about six months of that,
- 17:26we were, we needed to expand because the demand was, it was
- 17:30very quickly growing and we worked out a deal to take over
- 17:34the entire church building. So we were then licensed for 80
- 17:40children. And one thing I'll say
- 17:43expanding, there were some more things I had to figure out what
- 17:46the building code and all of that.
- 17:48But I knew that one of my children that I enrolled, that
- 17:52child's parent was an architect. So I reached out to her.
- 17:56And that's another lesson I learned is think about who you
- 17:59know and what they know and reach out to them Because
- 18:02people, I've never had someone say, no, I won't help you like
- 18:06they will because I'm saying you're an expert.
- 18:08Can you help me? And they're said, you're a nice
- 18:10lady, Sure, I'll help you. You watch my kid and that's
- 18:13that's gone a long way over the years.
- 18:15Just knowing what people are, what they do, getting to know
- 18:19them, making it be personal. And then they've been able to
- 18:22help me along the way. And she drew up the plans for
- 18:25our expansion. I trade services.
- 18:29A lot of times that's been something that's been helpful.
- 18:32So she gets a discount. I get what I need.
- 18:35I've done that with cleaning services and just different
- 18:37things throughout the years. So that's one, one really great
- 18:41thing that I've carried with me too, even to this day, is
- 18:44getting to know what people are good at in, in working together.
- 18:48I like that. Where was all this demand coming
- 18:51from? Sounds like you were growing
- 18:53very quickly. Were you advertising?
- 18:55I, I never advertised. I mean, I would, I would share
- 18:59in like local Facebook mom groups and then word of mouth.
- 19:03I had an open house. I think it was good that we
- 19:06started small with 30 because that's easy to fill and then go
- 19:12from there. If you start big, it's, it's a
- 19:16lot more and I'm learning this now.
- 19:17Actually, we just opened our third center in February and
- 19:21it's licensed for 200. That's ginormous compared to
- 19:25what I already have going on. And so I've had to totally learn
- 19:29a new way of filling the center. Whereas before it could be word
- 19:33of mouth, it could be just cheap little Facebook ads or just
- 19:37posts that are free. Now I have to implement a whole
- 19:40marketing system. And that's something I'm
- 19:42learning right now as well. And so in this NEWS CENTER, you
- 19:46still have some capacity to fill.
- 19:48Yes, yes. And where is that center in
- 19:51particular? So folks.
- 19:52Listening. That's in Canal Fulton, OK, just
- 19:55outside of Canton, OH. Yeah.
- 19:57And is there, are there a lot of competing daycares around?
- 20:02Like do you have a lot of competition or is it just a
- 20:05matter of time before you think this fills up?
- 20:07I think it's a matter of time. There's definitely way more
- 20:10daycares in where my first location is in Wadsworth.
- 20:13There's a lot in the town. The city of Canal Fulton doesn't
- 20:17have a lot, but Canal Fulton is a suburb of a much more populous
- 20:21area, so real close. There's not a lot of daycares,
- 20:25but if you spread out, there are.
- 20:27But there's also a ton of people.
- 20:29So the potential is there. It's just really getting the
- 20:32word out. And so now you're having to do
- 20:36marketing sort of for the first time.
- 20:38What does that look like? What?
- 20:39What kind of things are you putting in place?
- 20:40I found a company that can help me.
- 20:42That is, you know, they've made a landing page.
- 20:45And actually before I talked to you, I was on a conference call
- 20:47with them setting up our Google Ads account.
- 20:50And I've never had to do that before.
- 20:52So that's something I've had to learn.
- 20:53I learned about ACRM recently. I've never used ACRM system, but
- 20:58now I need to. And these are all things like I,
- 21:01I joke and I say I run straightforward through a wall
- 21:05and figure stuff out, but I don't think about everything
- 21:09that comes after that. And that's what I'm doing now.
- 21:12Like, oh, I have to do 3 preschool graduations now
- 21:14instead of two. And how am I going to work that
- 21:16in my schedule? And oh, I have to learn what
- 21:19ACRM is and I have to learn about so many new things that
- 21:23that I didn't need before. Always continuing to learn is
- 21:27very important. You can't just say this is what
- 21:30I know how to do, I'm just going to do it because you won't get
- 21:32anywhere if you're trying to grow.
- 21:35Yeah, yeah. The phrase ready fire aim popped
- 21:39into my head when you talked about running through a wall and
- 21:42figuring it out later. And you know what?
- 21:44It, it works so well for a lot of really successful
- 21:47entrepreneurs. And I think the reason is
- 21:49because, you know, if you spend too much time sort of planning
- 21:52and thinking and rehearsing, you know, you sort of get stuck
- 21:57paralysis by analysis and you don't move forward and, you
- 22:00know, take those big steps. So I think, I think there's a
- 22:02lot to be said for this approach.
- 22:04Yeah, it's the, the more vulgar way to put it is F around and
- 22:08find out. And that that's just what I do.
- 22:12I, I feel like if a door opens, I'll knock on a ton of doors.
- 22:16They're not all going to open and they're not all going to
- 22:18work out. But this opportunity with our
- 22:20newest center, it opened, we negotiated.
- 22:24I knew what I was willing to put forth and it worked out.
- 22:28It didn't have to. It's not going to kill me if it
- 22:30doesn't, but I'm going to keep trying.
- 22:33Excellent. So Naomi, let's talk a little
- 22:36bit about the daycare centers themselves and what goes on
- 22:39inside. I'd like to hear more about your
- 22:42curriculum and your overall approach to early childhood
- 22:46education. Yes, I, it's very important that
- 22:52it's not just a cold educational environment to me.
- 22:57The staff members that have been with us the longest that are the
- 23:00ones that are the, the foundation of our business are
- 23:03the ones that are loving and caring and the children adore
- 23:08them because there's a real connection there.
- 23:10It's not just a professional or stark educational environment
- 23:15because with, with I think you know, teachers as kids get
- 23:18older, older can be that way too.
- 23:20But when they're little, we're not just here just to teach you
- 23:24stuff. We're here to, you know, hug you
- 23:28when you're sad that your mom's not here.
- 23:30We're here to put a Band-Aid on your Boo Boo.
- 23:32We're here to help you figure out like how to get along with
- 23:36other people on those very early stages.
- 23:39There's so many studies that are done that say ages zero to five
- 23:42are just crucial. And what I will say to that is
- 23:46then how come it that's the most overlooked by the the powers
- 23:51that be? You know, they put so much into
- 23:55K through 12 and then they're like, you guys are so important.
- 23:59Figure it out that it's really what it's a.
- 24:04Real mixed message being sent. There, Yeah, it is.
- 24:07It is So we want, we want to be a very caring, loving place that
- 24:14values communication first and foremost.
- 24:18One thing I, I did have over the years with my foster children, I
- 24:22did use daycare for them so I could work and I felt like once
- 24:26I dropped them off like I had no, like they weren't, we
- 24:30weren't connected at all throughout the day.
- 24:32I had no idea what went on until I was handed a piece of paper at
- 24:35the end of the day. I didn't even know if the paper
- 24:37was accurate. So one thing we implemented
- 24:41right away and we use religiously is an app that has
- 24:44communication with parents all day long.
- 24:47Now seven years ago that wasn't common.
- 24:49We were one of the first places in the area to really start
- 24:52doing that. Almost every daycare does it
- 24:55now. And what I say the difference is
- 24:57we do it religiously. If a parent says and that sends
- 25:00us a message at any of our centers, everyone in the
- 25:03building sees it so that they can get a response right away.
- 25:06Because a teacher may be busy if they have 7 little kids, they
- 25:10may not be able to write their parent back.
- 25:13But a teacher next door can say, hey, did you see that message?
- 25:16Or a management, a member of management can make sure that
- 25:19they're replied to right away. So open and constant
- 25:23communication is huge for us. And then as far as learning
- 25:28goes, I struggle because I know that kindergarten right now is
- 25:34like first grade. So our preschool class has to be
- 25:37like kindergarten when I was a kid.
- 25:40And we, we do provide that. But I also think it just saddens
- 25:44me that I know that when they leave our center and they go to
- 25:47kindergarten that that play time is gone.
- 25:51It's, it's, it's all business almost at that point.
- 25:54And so we want to make sure we provide that as much as we can
- 25:59while still also getting them ready.
- 26:01And we, we have gotten feedback from our local school systems
- 26:05that yes, Fox's den children are ready for school.
- 26:08And that is huge for me. But also I don't want it to be
- 26:12so focused on that, that they don't still lose out on that
- 26:15wonder and that magic and that fun of what childhood is all
- 26:19about, which is playing and being silly and just doing crazy
- 26:23stuff. So that's what we do.
- 26:26And there's a lot of learning that happens through play.
- 26:28Absolutely. It's the primary source of
- 26:31learning for a child. Now interesting to hear you talk
- 26:34about the app. Did I see on your website a
- 26:37mention of a video camera system?
- 26:39We do have cameras, a lot of them everywhere, in every
- 26:43center. We don't allow parents to access
- 26:47them because that's a privacy issue with other families.
- 26:50But all of our management team can see all the cameras no
- 26:55matter where they're at, if they're home, if they're in the
- 26:57office, we have on our phone, we can see our cameras.
- 27:01And it really it's just, it's good for you don't know someone
- 27:05until you know them. So you can hire someone who you
- 27:08think is going to be great and they may not be.
- 27:10And to have that line of security, just knowing we let
- 27:14them know they're being watched at all times is important to
- 27:19have. And then also, I don't ever want
- 27:21to tell a parent ever. I don't know what happened to
- 27:24your child. I don't know why they have this
- 27:27mark on their arm because it's possible that your teacher's
- 27:31back was to them because they were doing something they needed
- 27:34to do and they didn't see it. But we have a camera so that we
- 27:38can make sure we can give you the answer of what happened to
- 27:41them. Is that unusual?
- 27:43Do do most daycare centers have these camera systems in place?
- 27:46I'd say it's probably 5050. I think some, some have them.
- 27:51It's almost like the same thing with the app.
- 27:53You have it, but are you religiously using it?
- 27:56Is it a core, a core aspect of what you're doing?
- 27:59And our camera system is another one of those core aspects of
- 28:02what we're doing where we have it.
- 28:05It records, some of them don't record and we review frequently
- 28:11just because we want to keep everyone in check.
- 28:15And that plays on to another part of our business that I
- 28:18think really separates us is we offer our staff attendance and
- 28:24performance bonuses every single month.
- 28:27And one way that we can monitor that those expectations are
- 28:32being met obviously is our camera system as well, because
- 28:35we can't be everywhere at all times.
- 28:38I'm glad that you brought that up.
- 28:39One of the questions I typically like to ask is, you know, tight
- 28:43labor market, hard to find and hold on to good people.
- 28:47What kind of creative things have you tried that that are
- 28:50working and you've got this attendance and performance
- 28:53system that motivates people to, you know, show up and, you know,
- 28:56do what's expected of them? Any other interesting things
- 28:59that you've tried and found success with?
- 29:01Well, I'll say after about three years and like the first three
- 29:05years of my business, I was just so excited that someone would
- 29:07say, yeah, I'll come work with you.
- 29:10And to me, I looked at it like we're in this together, like
- 29:13we're on. And I didn't have as much of A
- 29:16over management role. I was like a teammate and I had
- 29:20to learn as I grew, like I can't always be like that.
- 29:23I have to be a boss. And one of the things I learned
- 29:27is, you know, people are going to call off all the time.
- 29:31And in our industry, you can't make up the work the next day.
- 29:35You can't pick up the slack in the same day because you're not
- 29:38allowed to be over ratio in a classroom.
- 29:41You can't have more kids than you're allowed to have per state
- 29:44laws. And one thing I tell everyone we
- 29:48interview and every parent that we meet, we will never be over
- 29:52ratio. Not one day will you have a
- 29:55classroom in any of my centers that is over ratio and that is
- 29:59uncommon at times. My management knows that they're
- 30:03going to step in a classroom. I will step in a classroom, my
- 30:07husband will step in a classroom.
- 30:09We are not going to be over ratio because it's not safe and
- 30:12it's not allowed. That being said, a lot of call
- 30:16offs cause a lot of problems. And when I saw that problem and
- 30:20that repeated issue that we were having, I just had the idea to
- 30:26offer the attendance incentive bonus where if you work all of
- 30:30your scheduled shifts, you get an extra $0.75 an hour for the
- 30:34whole previous month. Every hour you worked, you get a
- 30:36bonus at the beginning of the next month.
- 30:39And then more recently I said, you know, I want our teachers to
- 30:43be incentivized to know the state rules because there's a
- 30:46lot of them, and to desire to follow them.
- 30:49So that's when we offer the performance bonus as well, where
- 30:53that's an extra $0.50 an hour on top of the $0.75.
- 30:58And ever since then, things have gotten a lot easier for.
- 31:04Both of those bonuses you, you see people showing up for more
- 31:07shifts than you see and and how do you measure if they know the
- 31:11the state? Rules we tell them we're going
- 31:13to teach you and we're going to if we noticed you're breaking
- 31:16one of them, we're going to tell you and we're going to make sure
- 31:19you know, because this the burden is on us.
- 31:22We're going to make sure, you know, once we know that, you
- 31:25know, if you continue to do it, then you lost your performance
- 31:29bonus that month. And we also say you can't get a
- 31:32performance bonus if you don't get an attendance bonus because
- 31:35you have to be here to perform. And then I tell everyone else
- 31:39also, we want you to give yourself a raise before we're
- 31:42able to consider giving you a raise.
- 31:45So you need to say, I'm going to be on all my shifts, I'm going
- 31:48to perform and I'm going to further my knowledge.
- 31:52If they want to get, get a, a degree or ACDA certificate,
- 31:56we're giving them phrases along the way to do that.
- 32:00If you do those three things, you're amazing and I'll give you
- 32:05even more money. But you, we, we want to make it
- 32:07a personal responsibility thing. And I think that's the culture
- 32:11that we have actually successfully created.
- 32:13I'm very proud of that. That's really cool.
- 32:16I like that you've tried something a little bit
- 32:18innovative there. And you know, sometimes as
- 32:20business owners, we try a different innovative ideas that
- 32:25don't play out. You know, before we were doing
- 32:28the, the pre interview before we went live, we were talking a
- 32:30little bit about your, the idea you had for blended classrooms.
- 32:34I wonder if you can talk about. That yeah, I, I was really
- 32:37excited when we first opened our center and I, I loved everything
- 32:41I had going on in my little in home bubble.
- 32:44And I said, we just need to recreate this in a center and
- 32:48have, you know, siblings can be together even if they're
- 32:51different ages, because that's what goes on in my home.
- 32:53And it's so fun. And I started out that way, but
- 32:57then I realized quickly there's more state rules and I even knew
- 33:00existed. And one of them is you can't
- 33:03blend ages if there's so many children in the building.
- 33:07So that took that away right away.
- 33:09Like you can't do it. And also it doesn't financially
- 33:13makes sense the larger you get to do that because the older the
- 33:16kids are, the more you can have in a classroom and that's how
- 33:19you're able to meet those bottom line numbers to make the
- 33:22business operable. So I had to change that pretty
- 33:25quickly. One thing I will not change,
- 33:28even though it probably, I know it's not a financial advantage,
- 33:32is our infant classrooms will have lower ratios.
- 33:35I don't believe that infants get the best care.
- 33:40In the state of Ohio, you can have two teachers with 12
- 33:42infants. That to me is absolutely absurd.
- 33:46I think that I'm sure there's teachers that do it every day
- 33:49and they do a very good job. But it's very difficult.
- 33:52And I don't want to hear babies crying because their needs
- 33:55aren't being met. So much so that myself or a
- 33:58director of a center will have a baby on their lap in the office
- 34:01frequently because sometimes they just need help.
- 34:04They're babies and it's our job to to to meet that need.
- 34:09When a baby cries, they need something.
- 34:11So we will never the only there is one time I can recall that we
- 34:15had to do that due to call off and sickness.
- 34:18And it was and I was one of the teachers with the two to 12 and
- 34:23and I think I'm the best, obviously.
- 34:26And I said, this is crazy. How do people do this every day?
- 34:29Because it's our instinct to make babies happy and not
- 34:32crying. So we we make sure those infant
- 34:35classes do not have to operate that way.
- 34:38What's your typical ratio in the infant classrooms now?
- 34:41We it just really varies because if all of them are closer to age
- 34:44one, it can be, it could be like 2:00 to 10:00, one to five kind
- 34:48of thing. But if you have a lot of
- 34:50newborns, it's going to be one to three, one to four because
- 34:54they have more needs more often. We just play it by ear.
- 35:00Naomi, I'm curious if you could share success story of a
- 35:03particular child who's thrived under your care.
- 35:06Maybe they were going through a challenge, a little bit of a
- 35:08rough spot, and you were able to help them.
- 35:11I mean, I could, I think we see stories like that every single
- 35:14day. And really, is it under my care
- 35:17or is it under the care of an amazing teacher that's with them
- 35:19all day long? I'm going to offer them my staff
- 35:23advice and I'm going to help them figure things out if they
- 35:26need help. But ultimately it boils down to
- 35:29if that teacher has what it takes and has the right spirit
- 35:32and wants to help them through something, then they will.
- 35:36And that's why it's important to have really great teachers and
- 35:40to reward the ones that are awesome and weed out the ones
- 35:43that aren't. Because there have been
- 35:47sometimes where our center or any center is not fit for the
- 35:52needs of a certain child or certain behavior that you can't
- 35:55overcome. But we're not going to stop
- 35:58trying until we get to that point.
- 36:00But there, I would say there's a lot of them, you know, and I've,
- 36:04I've loved one thing I absolutely just love every year
- 36:07at graduation when they go to kindergarten, I'm crying is I
- 36:10remember their first day as a baby and then now they're
- 36:13graduating and going to kindergarten.
- 36:15And to me, that's always a success story because we've been
- 36:17a part of that whole time period of their lives before that they
- 36:20move on to the next phase. Yeah.
- 36:25I mean, what are some of the most common concerns that
- 36:27parents have when starting their kids in a new school like yours?
- 36:32And what can you tell them to put their minds at ease?
- 36:36I think they're concerned about, they're concerned about ratios,
- 36:39they're concerned about like how many kids are in the class and
- 36:44they're concerned about who's watching their children and that
- 36:49their needs are being met. And I think what I've learned to
- 36:53overcome that is the more communication, the better, the
- 36:57more open we are with each other, them and us, the more we
- 37:01can make sure those needs are being met.
- 37:03If you don't tell us that there's something particular
- 37:05that they need, we can't meet that need.
- 37:08I mean, if, if a teacher realizes that what they're doing
- 37:12isn't working, but they don't ask the parent for advice on
- 37:15something that may help, then they're never going to get that
- 37:17information as well. So I, I think they, they are
- 37:21really concerned with who's watching their kids and that not
- 37:27too many kids are being watched. And that the only way I can
- 37:31think to overcome that obviously is communication, sharing with
- 37:35them that we will never be out of ratio and then obviously
- 37:37having cameras to make sure that our eyes are on them.
- 37:42The parents need to be comfortable to share a concern
- 37:44they may have. And some people just aren't.
- 37:47And I don't like that If if you see something out of a teacher
- 37:51that I don't see, I want you to tell me.
- 37:54And it will swiftly be handled every time.
- 37:58And that's also important because it's really hard in this
- 38:00industry to to to staff as it is and to meet ratios.
- 38:05But to be willing to just let someone go because they're not a
- 38:08good fit and they're not what's best for a child.
- 38:10No matter what that means for me having to be in a classroom or
- 38:14their boss having to be in a classroom.
- 38:16You have to be willing to do that because the safety in the
- 38:19best interest of our children has to come first.
- 38:22And it's a struggle constantly. The staffing is a struggle.
- 38:26But I, I try to tell parents, if you, you see a turnover rate,
- 38:31please know that it's for a reason.
- 38:33If someone quits, we probably wanted them to quit anyway.
- 38:36I can think of three or four teachers over the years that
- 38:39unfortunately you couldn't, you couldn't make it work out
- 38:42because we can only pay so much and or their schedule change or
- 38:45something. But there's a whole lot more
- 38:47where it's really OK. It's for the best addition by
- 38:51subtraction sometimes. Happens.
- 38:53Yeah. What advice do you have for
- 38:55parents who are trying to decide between different schools?
- 38:59I think you have to, you have to tour every single one of them.
- 39:04You have to see how you get along with the not only the
- 39:09teacher, but the management as well.
- 39:11Because a teacher may come, a teacher may go.
- 39:13But if you feel confident and trustworthy of the management
- 39:17that's in place, then I think it's easier for you to just ebb
- 39:21and flow with whatever is happening at the center as a
- 39:24whole. But you, you have to just
- 39:28really, we all have the same state rules to follow.
- 39:32Like that doesn't change. Every teacher at every daycare
- 39:35is going to have a background check.
- 39:36So I can't say we're special because we have a background
- 39:39check. So they have to, you have to get
- 39:41in there and just see how you feel.
- 39:44Do you feel comfortable? Because that's really what it
- 39:46boils down to, you know? You know, as business owners, a
- 39:53big part of our job is to keep an eye on the bottom line,
- 39:57right, Make sure that we're profitable, so we can keep our
- 39:59doors open, so we can continue to grow and support our teams.
- 40:03We've got sort of two categories of levers that we can pull.
- 40:07One of them is how do we increase sales?
- 40:10The other one is how do we decrease expenses?
- 40:13So thinking 1st about the sales lever, what's some things that
- 40:17you've tried there that you found have worked?
- 40:20Well, it's not as open-ended in our industry because you can
- 40:26only have so many children in a building.
- 40:28It's a rule. My one and I have one for 81,
- 40:31for 61, for 200. We can't increase sales past
- 40:35that number, Not possible. So for me, I've opened other
- 40:38centers. That's how I can grow.
- 40:40You know, my business as a whole is to open more centers.
- 40:43And then another thing you have to consider is parents can only
- 40:47afford to pay so much. I yeah, I could charge more, but
- 40:52then they can't be here. So then I don't have anything to
- 40:55grow on because I can't pay teachers to be here if I don't
- 40:58have kids to be here. So I, I've said that a lot over
- 41:01the years is I can't pay more because I, if I raise rates so
- 41:06high, they're going to leave. And it's, it's really a problem
- 41:10for our industry as a whole. It's.
- 41:12A tough balancing. Act it, it really is.
- 41:14And obviously I'm, I'm actually on the verge of raising rates as
- 41:18I do every school year when it starts.
- 41:21And I, it's just one of those things that I just struggle with
- 41:25because I, I know these families personally and I, I care about
- 41:30them. And it's like I have to do this
- 41:33to keep these staff here and to continue to provide them with
- 41:38raises and incentives to stay here.
- 41:41And I know it's going to affect your bottom line, but it's
- 41:43something that I have to do in it.
- 41:45It's a very difficult, but we have to, we raise rates every
- 41:50year as the economy right now isn't great.
- 41:53That's something we've had to struggle with.
- 41:55And once you're at capacity though, there's not much you can
- 41:58do to increase sales other than than open another center.
- 42:02Which you've done now. Multiple times, yes.
- 42:03And you're. Working on filling your latest
- 42:06center? Now, yes.
- 42:07Which is exciting. So now as you think about that
- 42:09other lever to pull lowering expenses, what, what are some
- 42:13creative strategies that you've tried there?
- 42:15I'm not going to. I'm not going to cut people's
- 42:17pay. That's like the easiest thing to
- 42:19do. I'm not going to do that.
- 42:21But lately I have started using like reusable it.
- 42:26It may cost a little money to get a washer and dryer put in
- 42:29the center, but we're going to be able to wash and dry towels
- 42:33for wiping faces and towels for wiping hands so that you're not
- 42:37just blowing through paper towels and baby wipes
- 42:39constantly. That has helped, especially
- 42:42because the prices of all of those things since I opened have
- 42:45gone up such a crazy amount that things like that we've, we've
- 42:52been able to, to cut back on those kind of expenses.
- 42:56And then with my new center, we there, there's a program in the,
- 43:02it's a national program that helps pay for food when you
- 43:05provide food for child care. My first two centers do not
- 43:08provide food. We don't have the space for a
- 43:10commercial kitchen. My most recent one does.
- 43:13And we're, we're working hard to get signed up with the food
- 43:16program because that'll help cover a lot of our food
- 43:18expenses. That'll help a lot is.
- 43:21It a difficult process to go through.
- 43:23Yeah, yeah, it's awful. It's it's one, it was another
- 43:28one of those things like I had no idea about.
- 43:30So you can either go directly through the state of Ohio, but
- 43:33you have to be open for a year to do that.
- 43:36So we're not there yet. Or you can get a sponsor that
- 43:38helps you do all the paperwork and get it all set up, but they
- 43:42have to have availability to take you on.
- 43:45So I'm on like 3 waiting lists for a sponsor and if I don't get
- 43:49in then we'll be at a one year mark and we'll just go straight
- 43:51through the state of Ohio, which is.
- 43:53When we get that one year? Mark February of 25 it's it's
- 43:57annoying because you need that help more when you're new and
- 44:02small, but you can't get it until you've been open for a
- 44:05year. So just get through that first
- 44:08year. Right, power on.
- 44:11Yeah. Naomi, what's something you wish
- 44:13you could teach a younger version of yourself?
- 44:18Maybe it's like do a little more research on the front end, not.
- 44:23So much ready aim, fire. Yes, ready fire.
- 44:25Aim more ready. Aim fire.
- 44:27Yes. I don't know if it would stop
- 44:29me, but it would make me make things a little easier, less
- 44:32surprises along the way, so it would be a little less
- 44:36stressful. I'm still going to do it.
- 44:38I'm still going to figure it out, but doing more more front
- 44:43end work would I think, be very helpful.
- 44:48We were talking a little bit in the pre interview about your
- 44:51Great American success story and sort of the love for the country
- 44:55and you know what a great place that we live in, lots of
- 44:58opportunities. Like to hear kind of your take
- 45:00on that. I mean, ever since I was a
- 45:02child, I've always just had this level of patriotism.
- 45:06I don't know why. I don't know where it came from.
- 45:09I just love America. And I believe and I believe what
- 45:12I was taught in school is that you can and my mom taught me you
- 45:16can be anything you want to be. And sorry, one second, I have
- 45:23one child home today. You you can be anything.
- 45:28A job that never ends. Right, absolutely.
- 45:31If you put your mind to it and you work hard, you can be
- 45:34whatever you want to be. You can do whatever you want to
- 45:36do. And I, I actually believe that
- 45:38and I do, I do think some people don't believe that, but I
- 45:41actually do. And I actually did it.
- 45:43And so that, that allowed me to just, there was nothing causing
- 45:48me to second guess that I could be successful in the financial
- 45:52services industry or that I could be successful in, in
- 45:56opening daycares. I just knew that if I worked
- 45:59hard and figured things out that I could move forward.
- 46:03And I think that that's available to, to anyone here
- 46:07because I've seen it myself and I'm just, I'm grateful to have
- 46:15these opportunities. I know college is really pushed
- 46:18on a lot of people. And there's something obviously
- 46:20you have to go to college and be a doctor.
- 46:22Don't, don't try that without going to college.
- 46:25But but you don't have to go to college to be successful.
- 46:28I firmly believe that. And I'm sorry if that makes some
- 46:32people mad, but you can get really far in life by just
- 46:37digging your heels in and working, really.
- 46:40Hard. Like I we just, we bought our
- 46:42first home a year and a half ago.
- 46:46Like I'm 40, finally bought a home.
- 46:49It's an amazing home and I'm so thankful for it.
- 46:52But I worked hard for so long and saved for so long to get to
- 46:55that point. You have to be willing to
- 46:58sacrifice on the front end to reap rewards on the back end.
- 47:03And I know that's something that this culture now nowadays isn't.
- 47:06I don't see it. I don't see an understanding of
- 47:08that. It's almost like people want to
- 47:10live like they're 40 when they're 20 and you can't.
- 47:13You have to pay your dues and you have to pay them because
- 47:19just living for 20 years isn't paying your dues.
- 47:21Paying your dues is working and struggling and sacrificing and
- 47:25growing and showing up for work when you have a headache and
- 47:29doing things you don't feel like doing.
- 47:31You have to every day or you're not going to get ahead.
- 47:35That's a good lesson. Are there particular mentors or
- 47:39books that have been helpful for you and your path?
- 47:43I mean, just my my grandma has been a huge mentor for me and I
- 47:50have not taken the time to read too many books.
- 47:53I want to. I have a list.
- 47:55I've started to now that I actually have a little more
- 47:58time. But you don't have.
- 48:03How? About any podcasts or any, any
- 48:05TV shows, anything like that that you found inspirational or
- 48:08instructive. Fair enough, I don't have
- 48:12anything major that sticks out like that.
- 48:15Well, you've got your grandma and she sounds like a gem.
- 48:18And you're when you're doing this, you're busy.
- 48:21You don't. I don't watch a lot of TV and I
- 48:23don't read a lot of books because I'm struggling through
- 48:25life. Try to figure things out.
- 48:29School of Hard Knocks, that's where you've gotten your
- 48:31lessons. Yes, but I am determined.
- 48:33I actually just introduced to my management team a week ago.
- 48:37I said we're going to read this book together because I think
- 48:39that it's important for us to grow in our leadership abilities
- 48:43together. So I'm getting to a point now
- 48:46where I feel like I can do that stuff, but I haven't felt in the
- 48:50midst of raising four children and starting businesses that I
- 48:54could do anything like that. What?
- 48:55What are you doing with all your free time?
- 48:57I I don't even even know. So what's this?
- 49:00What's this new book that you and your management team are
- 49:03going to take? In it's called Dare to Lead and
- 49:06we're I think that you have to be brave to to lead and to grow.
- 49:11And that's something I thought would be good for us all to
- 49:13start off with. Right, Naomi, what's a fun fact
- 49:17most people would know about you?
- 49:20This is weird, but I don't think a lot of people have the same
- 49:24experience. I have never touched a worm,
- 49:28I've never caught a lightning bug, I've never touched a frog,
- 49:32never touched a fish. Like I don't.
- 49:34Do that. This is all intentional.
- 49:36Intentional. I'm not about that life and I
- 49:39have three boys, so when they're running in my house with this
- 49:42stuff in their hands, it's get out.
- 49:47So ever since you were a little kid, the idea of touching
- 49:50something creepy crawly flying is really repulsive for.
- 49:54It's unnecessary. Why do I need to pick up a worm
- 49:57right now? Or catch a lightning?
- 49:59But like, let them live and let me live.
- 50:01No need for that. Now, does this apply to like all
- 50:06kinds of animals or just sort of these creepy?
- 50:09Crawly types. We actually just had an animal
- 50:12lady come to one of our daycares last week and she brought all
- 50:15her animals and she showed all the kids and she's going to go
- 50:18to all of our centers in the next few weeks.
- 50:20And if it's like I would touch the, I touched the Bunny, that's
- 50:28it. I'm not touching a snake.
- 50:31I'm not. And my my mom had snakes growing
- 50:32up. Not touching it.
- 50:35I don't anything that's like not soft and fuzzy, I don't, I don't
- 50:39need to touch. I don't think that nature
- 50:42intended for me to touch that. I appreciate you sharing that.
- 50:48Naomi, I just have one more question for you, but before I
- 50:51ask it, I want to do 2 things. First of all, if you're
- 50:53listening today, excuse me, and you like today's content, please
- 50:57hit the subscribe, like or share button on your favorite podcast
- 51:00app. Next thing I want to do before I
- 51:02get to the last question, I want to let people know how to get in
- 51:05touch with you. What's the best way to make that
- 51:07happen? I would say go to our website,
- 51:09the Fox's Den childcare.com and it's FOXS, not ES, it's
- 51:16possessive, The Fox's Den childcare.com and it's really
- 51:20easy to reach out. You can hit a contact us form,
- 51:23you can chat with us online, You can click which center you want
- 51:26information on. That's really the best way.
- 51:30All of our business phone numbers or cell phones, you can
- 51:32even text if you want, because I don't like making phone calls.
- 51:35I know most people nowadays don't.
- 51:37You can text us. It's easy.
- 51:40Yeah. That's great.
- 51:41So last question for you, Naomi, where do you see the childcare
- 51:45industry evolving in the next five years?
- 51:47What do you think the changes are that are coming?
- 51:52I know it's been talked about that that we would be more like
- 51:56the public school system where it's free and it's government
- 52:00run. I could see that happening.
- 52:03I also could see it not happening because that's a huge,
- 52:07massive undertaking to just like start that from scratch because
- 52:12so many centers are privately owned and operated.
- 52:15I could see that. I don't know if it would be good
- 52:18or bad. I think that the state should
- 52:21help more though, so it can be affordable for more people.
- 52:25We're in, we're in a situation now where childcare is very
- 52:29expensive. So you either need to be very
- 52:32wealthy to afford it or you need to not be very wealthy and you
- 52:35can get a subsidy to pay for it through the state.
- 52:38If you are two middle class working parents who have a
- 52:41mortgage and two car payments and children to provide for,
- 52:46writing that check every week is not easy.
- 52:48And I understand that. And I think that's really the,
- 52:51the groups that we've found that we work with best those families
- 52:57because our rates are more affordable in that middle
- 53:00ground. We're not super expensive like
- 53:02all of your corporate run daycares and we're not just for
- 53:07in our city lower income areas. So we've been able to like hit
- 53:12that middle ground of people. But I see them and I know that
- 53:16it's a struggle and I think there needs to be more help for
- 53:19them. So it's my hope that we wouldn't
- 53:22be fully state state-run, but that that there would be more
- 53:26funding and help for those middle families.
- 53:31Yeah, it does seem a little impractical for it to be
- 53:33completely state-run, right? Like there's already a great
- 53:36deal of privately owned infrastructure there.
- 53:40Even if they wanted to make the change like the the initial and
- 53:44the ongoing expense would just be tremendous.
- 53:47It seems like a nice in between approach is kind of what you're
- 53:51suggesting, to have the state help out more, right, To not
- 53:56just have the subsidies be available for people at the
- 53:59lower end of the income scale. But for a lot of folks that are,
- 54:03like you said, to middle incomes, car payment, house
- 54:07payment like that, that's a real struggle for them too.
- 54:10Yeah, it's like, it's almost like it reminds me of college.
- 54:12If you're very wealthy, you can just pay for it.
- 54:15If you're not, you can get a lot of grants and scholarships.
- 54:18But those middle class families, they just, it's, it's
- 54:22insurmountable at times to even pay for college.
- 54:25So I I see that everyday in our industry as well.
- 54:28Very similar. Well, Naomi, I want to be the
- 54:31first one to thank you for sharing both your time and your
- 54:34story with us today. I really appreciate it.
- 54:36Yes, thank you for having me. It's been, it's been enjoyable.
- 54:39I appreciate it. Absolutely, folks.
- 54:41That's a wrap on another episode of the Inspired Stories podcast.
- 54:44Thanks for learning with us today.