Latest / #WisdomOfWomen Show / Building a Legacy: Financial Wisdom for Future Generations with Sherry Finkel Murphy

Transcript

Building a Legacy: Financial Wisdom for Future Generations with Sherry Finkel Murphy · #WisdomOfWomen Show

0:00
Welcome
0:00
to
0:00
the
0:01
Wisdom
0:01
of
0:02
Women
0:02
Show.
0:02
We
0:03
are
0:03
dedicated
0:04
to
0:04
amplifying
0:05
the
0:05
voice
0:05
and
0:06
wisdom
0:06
of
0:07
women
0:07
in
0:07
business.
0:08
A
0:09
new
0:09
model
0:09
of
0:10
leadership
0:10
is
0:10
emerging
0:11
and
0:11
we
0:11
are
0:11
here
0:12
to
0:12
amplify
0:13
the
0:13
voices
0:14
of
0:14
women
0:15
leading
0:15
the
0:15
way.
0:16
I
0:16
am
0:16
your
0:16
host,
0:17
Coco
0:17
Selman,
0:18
five
0:18
time
0:18
founder,
0:19
impact
0:19
investor
0:19
and
0:20
creator
0:20
of
0:20
the
0:20
Force
0:21
for
0:21
Good
0:22
system.
0:23
Thank
0:23
you
0:24
for
0:24
joining
0:24
us
0:24
today
0:25
as
0:25
we
0:25
illuminate
0:26
the
0:26
path
0:27
to
0:27
unlocking
0:28
opportunities
0:29
and
0:29
prosperity
0:30
for
0:31
women
0:31
led
0:32
enterprises
0:33
by
0:33
amplifying
0:34
the
0:34
voice
0:35
and
0:35
wisdom
0:36
of
0:36
women.
0:38
Today
0:39
we
0:39
have
0:39
a
0:40
financial
0:41
firestarter
0:42
in
0:42
our
0:43
midst.
0:43
Sherry
0:44
Finkel
0:45
Murphy,
0:46
Founder
0:46
and
0:46
CEO
0:47
of
0:47
Madrina
0:47
Molly,
0:48
the
0:48
on
0:48
demand
0:49
CFP
0:51
for
0:52
women
0:52
of
0:53
a
0:53
certain
0:54
agency.
0:55
After
0:56
selling
0:56
her
0:57
successful
0:57
financial
0:58
planning
0:58
practice,
0:59
Sheri
1:00
launched
1:00
Madrina
1:01
Molly
1:02
to
1:02
provide
1:03
subscription
1:04
based
1:05
financial
1:06
and
1:06
longevity
1:07
planning,
1:08
education
1:09
through
1:09
storytelling,
1:10
Q
1:10
and
1:11
A
1:11
and
1:11
empowering
1:12
mini
1:12
courses.
1:13
She's
1:13
on
1:14
a
1:14
mission
1:14
to
1:15
show
1:15
women
1:16
50
1:16
and
1:16
over
1:17
that
1:17
we
1:18
have
1:18
more
1:19
Runway
1:20
than
1:20
we
1:20
think
1:22
financially
1:22
and
1:23
in
1:23
life
1:24
that
1:24
reinvention
1:25
is
1:26
always
1:26
within
1:27
reach.
1:28
A
1:28
trusted
1:28
collaborator
1:29
to
1:29
financial
1:30
advisors
1:30
and
1:31
a
1:31
fierce
1:31
advocate
1:33
for
1:33
women's
1:34
financial
1:34
independence,
1:35
Sheri
1:36
bridges
1:36
the
1:37
gap
1:37
between
1:38
professional
1:39
planning
1:39
and
1:40
real
1:41
world
1:41
empowerment.
1:42
Her
1:43
signature
1:44
mantra,
1:45
hashtag
1:46
not
1:46
young,
1:47
not
1:47
done
1:48
reminds
1:49
us
1:49
that
1:49
wisdom
1:50
compounds
1:51
and
1:51
women
1:52
can
1:52
and
1:53
will
1:54
rescue
1:54
ourselves.
1:56
Thank
1:56
you
1:56
for
1:57
being
1:57
here.
1:57
Welcome
1:58
Sheri.
1:58
Thank
1:59
you
1:59
so
1:59
much
1:59
for
1:59
having
2:00
me
2:00
and
2:00
thank
2:00
you
2:01
for
2:01
that
2:01
awesome
2:02
introduction.
2:02
I'm
2:03
going
2:03
to
2:03
bring
2:03
you
2:03
along
2:03
with
2:04
me
2:04
wherever
2:04
I
2:04
go.
2:05
Oh,
2:07
you
2:07
are
2:07
an
2:07
easy
2:08
person
2:08
to
2:08
tell
2:09
wonderful
2:09
stories
2:10
about.
2:10
You
2:10
light
2:11
up
2:11
every
2:11
room
2:12
you
2:12
go
2:12
into
2:13
and
2:13
I
2:13
have
2:14
loved
2:14
getting
2:14
to
2:15
know
2:15
you
2:15
and
2:15
hearing
2:15
you
2:16
speak
2:16
and
2:16
share
2:16
your
2:17
wisdom.
2:18
So
2:18
as
2:19
we
2:19
always
2:19
begin,
2:20
what
2:20
is
2:20
a
2:21
book
2:21
written
2:22
by
2:22
a
2:22
woman
2:23
that
2:23
has
2:23
significantly
2:24
influenced
2:25
your
2:25
life?
2:26
I
2:27
had
2:27
trouble
2:27
choosing,
2:28
but
2:28
I'm
2:29
gonna
2:29
go
2:29
with
2:29
the
2:30
early
2:30
one.
2:31
When
2:31
I
2:32
was
2:32
maybe
2:33
a
2:33
tween,
2:34
my
2:34
mother
2:35
gave
2:35
me
2:35
her
2:35
copy
2:36
of
2:36
Betty
2:37
Smith's
2:37
A
2:38
Tree
2:38
Grows
2:38
in
2:39
Brooklyn.
2:39
Did
2:39
you
2:39
read
2:40
A
2:40
Tree
2:40
Grows
2:40
in
2:40
Brooklyn?
2:42
I
2:42
have
2:42
to
2:42
tell
2:42
you
2:43
the
2:43
funniest
2:43
thing.
2:44
My
2:44
guest
2:45
who
2:45
was
2:45
on
2:45
last
2:46
week
2:46
recommended
2:47
the
2:47
same
2:48
book.
2:49
So
2:49
this
2:49
was
2:50
a
2:50
pivotal
2:51
story
2:52
at
2:52
the
2:52
turn.
2:53
It
2:53
was
2:53
written
2:53
in
2:53
the
2:54
Second
2:54
World
2:54
War.
2:55
My
2:55
mother
2:56
was
2:56
a
2:56
teenager
2:57
as
2:57
it
2:57
all
2:58
went
2:58
down.
2:59
It
2:59
is
2:59
the
2:59
story
3:00
of
3:00
Irish
3:01
immigrants
3:01
in
3:01
Brooklyn
3:02
and
3:03
Francie
3:04
Nolan's
3:04
perseverance
3:06
as
3:06
she
3:06
grows
3:07
from
3:07
a
3:07
tween
3:08
to
3:08
a
3:08
teen,
3:09
gets
3:09
a
3:10
job
3:10
in
3:10
New
3:10
York
3:11
City
3:11
and
3:12
moves
3:12
on.
3:13
It
3:13
begins
3:14
with
3:15
her
3:15
relationship
3:16
to
3:16
her
3:17
parents
3:18
and
3:18
her
3:18
relationship
3:19
to
3:19
the
3:20
community.
3:21
It
3:21
ends
3:22
with
3:22
her
3:23
visiting
3:24
her
3:24
old
3:24
neighborhood
3:25
and
3:26
looking
3:26
at
3:26
another
3:27
young
3:27
girl
3:27
sitting
3:28
in
3:28
the
3:28
window
3:28
of
3:28
the
3:29
tenement
3:30
and
3:30
wishing
3:31
her
3:31
well.
3:32
As
3:33
each
3:33
generation
3:34
continues,
3:35
it's
3:36
a
3:36
young
3:36
girl
3:36
story
3:36
of
3:37
perseverance.
3:38
I
3:38
think
3:38
it
3:39
holds
3:39
up
3:40
even
3:40
though
3:40
turn
3:41
of
3:41
the
3:41
century
3:41
Brooklyn
3:42
is
3:42
very
3:42
different
3:43
from
3:43
the
3:43
world
3:44
we
3:44
live
3:44
in.
3:45
The
3:45
metaphor
3:46
of
3:46
the
3:46
tree
3:47
is
3:48
the
3:48
tree
3:48
of
3:49
heaven.
3:50
Truth
3:50
be
3:50
told,
3:51
it's
3:51
an
3:51
invasive
3:52
Chinese
3:53
species,
3:54
but
3:54
it
3:54
is
3:55
a
3:55
tree
3:55
that
3:56
finds
3:56
a
3:56
way
3:56
through
3:57
the
3:57
concrete
3:58
to
3:58
grow
3:59
and
3:59
reach
3:59
the
3:59
sky.
4:00
And
4:00
that's
4:00
Francie
4:01
Nolan,
4:01
the
4:01
protagonist.
4:03
Amazing.
4:04
I
4:05
love
4:05
this.
4:05
And
4:06
I
4:06
have
4:07
not
4:07
read
4:07
this
4:07
book
4:08
and
4:08
now
4:08
it's
4:08
come
4:09
upon
4:09
us,
4:10
myself
4:11
and
4:11
the
4:11
listeners
4:12
today
4:13
twice.
4:14
And
4:14
I
4:14
think
4:14
it's
4:15
imperative
4:16
we
4:16
all
4:16
go
4:16
get
4:17
a
4:17
copy
4:17
of
4:17
this
4:17
book.
4:18
I
4:18
love
4:18
the
4:18
way
4:18
you
4:18
talk
4:19
about
4:19
it,
4:19
the
4:20
Girl's
4:20
Story
4:20
of
4:21
Perseverance.
4:22
It
4:22
still
4:23
makes
4:23
me
4:23
cry.
4:25
If
4:25
you're
4:25
a
4:25
fan
4:26
of
4:26
old
4:26
movies,
4:27
there
4:27
is
4:27
a
4:28
1930s,
4:28
a
4:28
1940s
4:29
movie
4:30
version
4:30
of
4:30
it,
4:31
and
4:31
Joan
4:32
Blondell
4:33
plays
4:33
the
4:34
slightly
4:34
crazy
4:35
aunt.
4:35
I
4:35
recommend
4:36
the
4:36
movie.
4:36
If
4:36
you
4:36
can't
4:37
find
4:37
the
4:37
book,
4:37
I
4:37
recommend
4:37
the
4:38
movie.
4:39
I
4:39
love
4:39
it.
4:40
Wonderful.
4:41
Well,
4:41
thank
4:41
you
4:41
for
4:41
this
4:42
wonderful
4:43
way
4:43
for
4:44
us
4:44
to
4:44
start
4:44
our
4:44
discussion.
4:45
And
4:46
it
4:46
gives
4:46
us
4:46
a
4:46
sense
4:47
of
4:47
who
4:47
you
4:47
are
4:48
and
4:48
how
4:49
much
4:49
you
4:49
value
4:50
perseverance
4:50
and
4:51
tenacity
4:52
and
4:52
figuring
4:53
things
4:53
out,
4:53
figuring
4:54
out
4:54
how
4:54
to
4:54
keep
4:54
going
4:55
and
4:55
survive
4:55
and
4:56
thrive.
4:57
So
4:58
I
4:58
would
4:58
love
4:58
to
4:59
hear
4:59
a
4:59
little
5:00
bit
5:00
more
5:00
about
5:01
you
5:01
as
5:01
a
5:01
human.
5:02
I
5:02
love
5:02
to
5:02
start
5:03
out
5:03
with
5:03
our
5:03
guests
5:04
asking
5:04
about
5:05
three
5:06
moments
5:06
that
5:07
have
5:07
shaped
5:07
you
5:08
in
5:08
your
5:09
life.
5:09
Three
5:10
things
5:10
could
5:10
be
5:10
business,
5:11
could
5:11
be
5:12
personal.
5:12
Three
5:13
moments
5:13
that
5:14
stand
5:14
out
5:14
to
5:14
you
5:14
that
5:15
say,
5:15
yep,
5:16
that
5:17
shaped
5:17
who
5:17
I
5:17
am
5:18
today.
5:18
Could
5:18
be
5:19
great
5:19
moments,
5:19
could
5:20
be
5:20
hard
5:20
moments.
5:21
What
5:22
comes
5:22
to
5:23
mind
5:23
for
5:23
you?
5:24
It
5:24
is
5:24
the
5:24
tough
5:25
moments
5:26
that
5:26
are
5:26
the
5:27
most
5:27
informative.
5:28
Absolutely.
5:30
I'm
5:30
going
5:30
to
5:30
tell
5:30
you
5:30
the
5:30
one
5:31
positive
5:31
thing,
5:32
and
5:32
that
5:32
is
5:33
that
5:33
I
5:33
have
5:33
a
5:33
mother
5:33
who
5:34
will
5:34
turn
5:34
98
5:34
in
5:35
January,
5:35
and
5:36
there's
5:36
nothing
5:37
wrong
5:37
with
5:37
her.
5:38
So
5:39
the
5:39
through
5:40
thread
5:41
of
5:41
my
5:42
life
5:42
is,
5:43
oh,
5:43
I
5:43
may
5:43
not
5:44
be
5:44
able
5:44
to
5:44
outrun
5:45
you,
5:46
but
5:46
I
5:46
will
5:46
outlast
5:47
you.
5:48
The
5:48
beauty
5:50
of
5:51
playing
5:52
the
5:52
long
5:52
game
5:53
is
5:54
that
5:54
eventually
5:55
you
5:55
win
5:55
by
5:55
attrition.
5:57
That
5:57
isn't
5:58
lost
5:58
on
5:58
me.
5:58
And
5:58
it
5:59
isn't
5:59
lost
6:00
on
6:00
successful
6:01
women
6:02
that,
6:02
oh
6:02
my
6:03
gosh,
6:03
they
6:03
told
6:03
us
6:03
we
6:04
didn't
6:04
have
6:04
time.
6:05
But
6:06
once
6:06
we
6:07
are
6:07
relieved
6:09
of
6:09
youthful
6:10
beauty,
6:10
once
6:11
we
6:11
are
6:11
relieved
6:12
of
6:12
the
6:12
I
6:13
have
6:13
to
6:13
look
6:13
good
6:14
and
6:14
the
6:14
I
6:14
have
6:15
to
6:15
be
6:15
liked,
6:16
the
6:16
whole
6:16
world
6:17
opens
6:17
up.
6:19
And
6:19
the
6:19
sooner
6:19
we
6:20
learn
6:20
that,
6:20
the
6:20
better.
6:21
I
6:21
love
6:21
the
6:22
fact
6:22
that
6:22
my
6:24
nieces,
6:24
my
6:25
stepdaughter,
6:25
my
6:26
grandchildren,
6:27
they
6:27
are
6:27
far
6:28
less
6:28
burdened
6:28
than
6:29
we
6:29
were
6:30
about
6:30
that.
6:30
So
6:31
that's
6:31
one.
6:31
One
6:31
is
6:32
I
6:32
want
6:32
to
6:33
say
6:33
that
6:33
mom
6:34
who
6:35
said
6:35
if
6:36
you
6:36
wait
6:36
for
6:36
a
6:36
man
6:37
to
6:37
bring
6:37
you
6:37
the
6:37
good
6:37
things
6:38
in
6:38
life,
6:38
you
6:38
will
6:38
be
6:39
waiting
6:39
a
6:39
long
6:39
time.
6:40
That
6:41
message
6:41
I
6:41
heard
6:42
early,
6:42
go
6:42
get
6:43
it.
6:43
You
6:43
want
6:43
something,
6:44
go
6:44
get
6:44
it.
6:44
You
6:45
don't
6:45
have
6:45
to
6:45
go
6:45
through
6:46
anybody
6:46
to
6:46
get
6:47
it.
6:47
And
6:48
that
6:48
meant
6:48
work
6:48
for
6:48
it.
6:49
That
6:49
meant
6:49
work
6:49
for
6:49
it.
6:50
The
6:50
second
6:51
time
6:51
I'm
6:52
going
6:52
to
6:52
go
6:52
with
6:53
the
6:53
biggest
6:53
no
6:54
that
6:55
I
6:55
ever
6:55
received.
6:56
And
6:56
that
6:56
was
6:56
when
6:56
I
6:57
made
6:57
the
6:57
request
6:57
to
6:57
go
6:58
into
6:58
sales.
6:59
I
6:59
was
7:00
a
7:00
technical
7:01
solutions
7:01
specialist
7:02
back
7:02
in
7:03
the
7:03
day
7:03
when
7:03
we
7:03
sold
7:04
hardware,
7:04
software
7:05
services,
7:05
altogether
7:07
very
7:07
expensive,
7:07
big
7:08
ticket
7:08
items,
7:08
very
7:09
long
7:09
sales
7:09
cycles.
7:10
I
7:11
wanted
7:11
to
7:11
go
7:11
into
7:12
sales
7:12
because
7:12
I
7:12
was
7:12
doing
7:13
all
7:13
the
7:13
work.
7:13
And
7:14
the
7:14
very
7:14
handsome
7:14
blue
7:15
suited
7:15
men
7:15
with
7:16
the
7:16
yellow
7:16
power
7:16
ties
7:17
were
7:17
getting
7:18
all
7:18
the
7:18
commission
7:18
checks.
7:19
The
7:19
long
7:20
story
7:20
short
7:20
is
7:21
that
7:21
they
7:21
would
7:22
not
7:22
permit
7:22
me
7:23
and
7:23
I
7:23
was
7:23
such
7:23
a
7:24
pain
7:24
that
7:24
they
7:24
created
7:25
a
7:26
compensation
7:26
plan
7:27
that
7:27
today
7:27
would
7:28
be
7:28
an
7:28
instant
7:28
lawsuit.
7:29
It
7:29
would
7:29
be
7:29
a
7:29
Lilly
7:30
Ledbetter
7:30
lawsuit.
7:31
But
7:31
I
7:32
said
7:32
yes.
7:32
And
7:32
weren't
7:33
they
7:33
shocked
7:34
when
7:34
I
7:34
said
7:35
yes?
7:36
I
7:36
was
7:36
the
7:36
rookie
7:36
of
7:36
the
7:37
year
7:38
and
7:38
it
7:38
became
7:39
a
7:40
very
7:40
good
7:40
career.
7:41
That
7:41
was
7:41
my
7:41
first
7:41
career
7:42
in
7:42
technology,
7:43
sales,
7:44
sales
7:44
leadership
7:44
and
7:45
sales
7:45
coaching.
7:46
It
7:46
taught
7:47
me
7:47
a
7:47
lot
7:47
about
7:47
people.
7:49
It
7:49
taught
7:50
me
7:51
to
7:51
be
7:51
self
7:51
reliant
7:53
and
7:53
it
7:53
taught
7:53
me
7:54
that
7:54
if
7:54
it's
7:54
meant
7:54
to
7:54
be,
7:55
it's
7:55
up
7:55
to
7:55
me.
7:56
Just
7:56
like
7:56
mom
7:56
said.
7:57
That's
7:58
right.
7:58
And
7:58
you
7:59
obviously
7:59
persevered
8:00
and
8:00
they
8:01
gave
8:01
you
8:01
a
8:01
no,
8:02
but
8:02
it
8:02
didn't
8:03
stay
8:03
a
8:04
no.
8:04
Right.
8:05
And
8:06
that
8:06
is
8:06
that.
8:06
I
8:06
successfully
8:07
coached
8:07
a
8:08
sales
8:08
team
8:08
via
8:09
my
8:09
sales
8:09
performance
8:10
office.
8:10
I
8:10
had
8:10
a
8:11
particular
8:11
executive
8:12
function
8:13
adjunct
8:13
to
8:13
the
8:14
sales
8:14
leadership
8:15
and
8:15
we
8:16
had
8:16
800
8:17
sales
8:17
representatives.
8:18
Our
8:18
goal
8:18
was
8:19
to
8:19
go
8:19
from
8:19
600
8:20
million
8:20
in
8:21
revenue
8:21
to
8:21
a
8:21
billion
8:21
dollars
8:22
in
8:22
revenue
8:22
when
8:23
we
8:23
could
8:23
be
8:23
acquired
8:23
by
8:24
one
8:24
of
8:24
the
8:24
big
8:24
three,
8:25
which
8:25
at
8:25
the
8:25
time
8:26
was
8:26
SAP,
8:27
Oracle
8:27
and
8:27
IBM.
8:28
We
8:28
got
8:29
to
8:29
a
8:29
billion,
8:30
a
8:31
very
8:31
large
8:32
company
8:32
acquired
8:33
us.
8:34
They
8:34
paid
8:35
my
8:35
lovely
8:35
retention
8:36
bonus,
8:36
stood
8:37
me
8:37
in
8:37
a
8:37
corner
8:37
and
8:38
said,
8:38
we
8:38
develop
8:39
our
8:39
executive
8:39
talent
8:40
in
8:40
house
8:41
here.
8:41
You
8:41
can
8:42
stay
8:42
or
8:42
go,
8:42
but
8:43
we
8:44
don't
8:44
care
8:44
what
8:44
you
8:45
know.
8:45
I
8:46
thought,
8:46
you
8:47
have
8:47
got
8:48
to
8:48
be
8:49
kidding
8:49
me,
8:50
right?
8:51
I
8:52
was
8:52
48
8:53
and
8:53
I'm
8:53
thinking
8:54
I
8:54
am
8:54
not
8:54
even
8:55
close
8:56
to
8:56
done.
8:57
I
8:57
was
8:58
just
8:58
getting
8:58
started.
8:59
I
8:59
was
9:00
furious.
9:01
That
9:02
was
9:02
ultimately
9:03
the
9:03
impetus
9:04
to
9:04
say,
9:05
I
9:05
want
9:05
my
9:05
own
9:06
business.
9:06
What
9:07
do
9:07
I
9:07
want
9:07
to
9:07
do?
9:08
It
9:08
was
9:08
my
9:10
financial
9:10
planner
9:11
and
9:11
mentor
9:13
who
9:13
said,
9:13
you
9:14
know,
9:14
you
9:15
should
9:16
be
9:17
a
9:17
financial
9:18
planner
9:18
specifically
9:19
for
9:19
your
9:20
cohort.
9:22
You
9:22
are
9:22
the
9:23
first
9:23
generation.
9:24
I
9:25
went
9:25
into
9:26
the
9:26
workforce
9:26
in
9:26
the
9:26
early
9:27
80s.
9:28
You
9:28
were
9:28
the
9:28
first
9:29
generation
9:29
with
9:29
the
9:30
expectation
9:31
that
9:31
you
9:31
could
9:31
do
9:31
anything.
9:32
You're
9:32
going
9:32
to
9:32
leave
9:32
School,
9:33
you're
9:33
going
9:33
to
9:33
go
9:33
get
9:33
a
9:34
job.
9:34
My
9:35
mother
9:35
was
9:36
shocked
9:36
when
9:37
I
9:37
graduated
9:38
from
9:38
college
9:39
and
9:39
Citibank
9:40
sent
9:41
me
9:41
a
9:41
solicitation.
9:42
Here's
9:42
a
9:43
credit
9:43
card
9:44
of
9:45
the
9:45
Fair
9:45
Credit
9:45
Act.
9:46
Seven
9:46
years
9:46
of
9:46
the
9:46
Fair
9:47
Credit
9:47
act,
9:48
and
9:48
here's
9:49
Citibank
9:50
saying,
9:51
we
9:51
think
9:52
you're
9:52
a
9:52
good
9:52
bet.
9:53
Now
9:54
let's
9:55
get
9:55
real
9:55
here.
9:56
Citibank
9:56
said,
9:57
oh,
9:58
she's
9:58
got
9:58
a
9:59
college
9:59
degree.
9:59
She's
10:00
probably
10:00
entirely
10:01
unmarriageable,
10:02
which
10:02
means
10:02
she'll
10:03
be
10:03
working
10:03
forever.
10:03
She's
10:04
going
10:04
to
10:04
need
10:04
to
10:04
afford
10:05
groceries
10:05
and
10:05
a
10:05
wardrobe.
10:06
She's
10:06
a
10:07
good
10:07
bet
10:07
to
10:07
use
10:07
our
10:08
debt.
10:08
We're
10:08
going
10:08
to
10:08
give
10:08
her
10:09
debt.
10:09
I
10:10
know
10:10
what
10:10
was
10:10
really
10:11
going
10:11
on.
10:12
But
10:13
you
10:13
know
10:13
what
10:14
a
10:14
new
10:14
world
10:15
it
10:15
was
10:15
and
10:16
how
10:16
much
10:18
over
10:18
the
10:18
last
10:19
40,
10:19
50
10:20
years
10:20
it
10:20
has
10:21
changed
10:21
even
10:22
more
10:23
that
10:23
young
10:23
women
10:23
have
10:24
the
10:24
expectation
10:26
of
10:26
having
10:27
less
10:27
resistance.
10:28
Yeah,
10:28
they
10:28
still
10:29
have
10:29
plenty
10:29
of
10:29
resistance.
10:30
But
10:30
the
10:30
good
10:31
news
10:31
is
10:31
now
10:31
we
10:31
create
10:32
our
10:32
own
10:32
parallel
10:32
infrastructure.
10:34
We're
10:34
not
10:34
waiting
10:34
for
10:34
a
10:34
seat
10:35
at
10:35
the
10:35
table
10:35
any
10:36
longer.
10:37
That's
10:37
right.
10:37
We're
10:38
just
10:38
creating
10:39
our
10:39
infrastructure
10:40
ourselves
10:40
and
10:41
don't
10:41
need
10:41
to
10:41
have
10:42
somebody
10:42
give
10:42
us
10:43
permission.
10:43
So
10:43
then
10:44
that
10:44
led
10:44
you
10:45
into
10:47
your
10:47
business.
10:48
So
10:48
I
10:48
am
10:48
a
10:48
nerd
10:49
from
10:49
the
10:49
get
10:49
go.
10:50
And
10:50
when
10:51
my
10:51
financial
10:51
planner
10:52
told
10:52
me
10:53
I
10:53
had
10:53
always
10:53
promised
10:54
myself
10:54
that
10:54
I
10:54
would
10:54
go
10:55
back
10:55
to
10:55
school,
10:55
I
10:55
had
10:55
a
10:55
master's
10:56
degree,
10:56
but
10:57
I
10:57
wanted
10:57
something,
10:58
I
10:58
didn't
10:58
know
10:59
what
10:59
I
10:59
wanted.
10:59
He
11:00
said,
11:00
well,
11:00
getting
11:01
a
11:01
certified
11:01
financial
11:02
planner
11:02
credential.
11:03
Not
11:03
only
11:03
getting
11:04
the
11:04
credential,
11:05
but
11:05
you
11:06
have
11:06
a
11:06
continuing
11:06
education
11:07
requirement
11:08
every
11:08
other
11:09
year.
11:09
So
11:09
you
11:10
are
11:10
destined
11:11
for
11:11
a
11:11
lifetime
11:12
of
11:13
going
11:13
to
11:14
school.
11:14
That
11:15
was
11:15
one
11:15
of
11:15
those.
11:15
You
11:15
had
11:16
me
11:16
at
11:16
hello
11:16
moments.
11:17
Because
11:18
if
11:18
somebody
11:19
was
11:19
going
11:19
to
11:19
tell
11:20
me
11:20
that
11:20
going
11:20
to
11:21
school
11:21
was
11:21
part
11:21
of
11:22
my
11:22
career,
11:22
I
11:22
was
11:23
in.
11:23
I
11:24
recognize
11:24
that's
11:25
not
11:25
everybody.
11:26
Right?
11:26
Well,
11:27
it's
11:27
one
11:27
of
11:28
the
11:28
things
11:28
I
11:28
do
11:28
best.
11:29
And
11:29
so
11:29
it
11:30
makes
11:30
me
11:30
happy
11:30
to
11:31
impart
11:31
what
11:31
I
11:31
know.
11:33
Oh,
11:33
and
11:33
that
11:34
makes
11:34
so
11:34
much
11:34
sense.
11:35
You
11:35
said
11:36
that
11:36
with
11:36
your
11:36
financial
11:37
planning
11:37
business
11:37
it
11:38
was
11:38
to
11:38
serve
11:38
your
11:39
cohort.
11:39
What
11:39
does
11:40
that
11:40
mean
11:40
to
11:40
you?
11:41
What
11:41
did
11:41
that
11:42
mean
11:42
to
11:42
you
11:42
at
11:42
the
11:42
time?
11:42
What
11:43
does
11:43
it
11:43
mean
11:43
now?
11:44
Women
11:45
have
11:45
a
11:45
very
11:45
different
11:46
experience.
11:47
The
11:47
experience
11:47
of
11:48
women
11:48
in
11:49
the
11:49
financial
11:49
planning
11:50
domain
11:51
is
11:51
much
11:51
like
11:52
the
11:52
experience
11:52
of
11:53
women
11:53
in
11:53
the
11:53
healthcare
11:54
domain.
11:55
All
11:55
of
11:55
the
11:56
research
11:56
is
11:56
done
11:57
on
11:57
white
11:57
men
11:57
from
11:58
the
11:58
20th
11:58
century.
12:00
That
12:00
is
12:00
not
12:00
to
12:00
disparage
12:01
white
12:01
men
12:01
in
12:02
the
12:02
20th
12:02
century.
12:03
That
12:03
is
12:03
to
12:04
say
12:04
that
12:04
the
12:04
data
12:04
isn't
12:05
there.
12:06
So
12:06
I'm
12:07
plugging
12:08
in
12:08
the
12:08
holes
12:08
in
12:09
the
12:09
data.
12:10
We
12:10
are
12:10
in
12:10
and
12:10
out
12:11
of
12:11
the
12:11
workforce.
12:12
We
12:12
are
12:12
behind
12:13
the
12:13
eight
12:13
ball
12:13
with
12:14
retirement
12:14
savings
12:15
and
12:15
matches
12:16
because
12:16
we
12:17
are
12:17
paid
12:17
less.
12:18
We
12:18
are
12:19
by
12:19
and
12:19
large
12:19
the
12:20
caregivers.
12:21
And
12:21
something
12:22
I
12:22
spend
12:22
most
12:23
of
12:23
my
12:23
time
12:23
discussing
12:25
is
12:25
the
12:25
push
12:26
and
12:26
pull
12:26
of
12:27
what
12:27
I
12:27
call
12:27
the
12:27
triple
12:28
decker
12:28
club
12:29
sandwich
12:29
generation.
12:30
This
12:30
is
12:31
the
12:31
first
12:31
time
12:31
in
12:32
history
12:33
that
12:33
four
12:33
and
12:34
five
12:34
generations
12:35
are
12:35
living
12:36
contemporaneously.
12:37
What
12:37
does
12:38
that
12:38
mean
12:38
for
12:38
your
12:38
kids?
12:39
It's
12:39
actually
12:40
an
12:40
extraordinary
12:41
opportunity
12:42
because
12:42
now
12:43
they
12:43
know
12:43
their
12:43
grandparents
12:44
into
12:45
adulthood
12:45
and
12:45
grandparents
12:46
know
12:46
their
12:46
grandchildren.
12:47
The
12:47
relationship
12:49
value
12:49
is
12:50
wonderful
12:50
because
12:51
one
12:51
of
12:51
the
12:51
things
12:51
that
12:52
there's
12:52
plenty
12:52
of
12:52
research
12:53
that
12:53
says
12:53
the
12:54
relationship
12:54
of
12:54
a
12:54
grandparent,
12:55
especially
12:56
a
12:56
maternal
12:57
grandmother,
12:58
can
12:59
be
12:59
very
12:59
different
13:00
than
13:01
the
13:01
relationship
13:01
of
13:02
the
13:02
parent.
13:02
There's
13:03
a
13:03
reduction
13:03
of
13:03
stress
13:04
there,
13:04
but
13:04
there's
13:05
still
13:05
a
13:05
lot
13:05
of
13:05
wisdom
13:06
to
13:06
pass
13:07
on.
13:07
And
13:07
so
13:08
that's
13:08
very
13:08
exciting.
13:09
That's
13:09
an
13:09
opportunity.
13:10
I
13:11
don't
13:11
like
13:11
it
13:11
when
13:11
the
13:11
press
13:12
refers
13:12
to
13:13
all
13:13
of
13:13
this
13:13
as
13:13
some
13:13
kind
13:13
of
13:14
giant
13:14
problem.
13:15
We
13:15
don't
13:16
have
13:16
enough
13:16
housing,
13:17
but
13:17
we
13:17
don't
13:17
have
13:17
enough
13:18
housing
13:19
because
13:19
the
13:20
housing
13:20
industry
13:21
never
13:22
really
13:22
recovered
13:22
from
13:23
2008
13:23
fully.
13:25
It
13:25
is
13:25
still
13:25
behind
13:26
and
13:26
it's
13:27
not
13:27
building
13:28
what
13:28
boomers
13:28
want
13:29
to
13:29
move
13:29
into.
13:29
So
13:30
boomers
13:30
aren't
13:30
moving
13:31
in
13:31
the
13:31
meantime.
13:32
Their
13:32
kids
13:32
who
13:32
aren't
13:33
launching
13:33
are
13:33
coming
13:34
back.
13:34
Now,
13:35
I
13:35
think
13:35
the
13:35
thing
13:36
that
13:36
I
13:36
want
13:36
to
13:37
point
13:37
out,
13:37
and
13:38
I
13:38
did
13:38
a
13:38
webinar
13:39
just
13:39
last
13:39
night,
13:39
is
13:40
when
13:40
our
13:40
grandparents
13:41
had
13:41
their
13:42
kids,
13:42
and
13:42
sometimes
13:43
when
13:43
our
13:43
parents
13:44
had
13:44
their
13:44
kids,
13:44
they
13:44
were
13:45
largely
13:45
in
13:45
their
13:45
20s,
13:46
which
13:47
meant
13:47
by
13:48
the
13:48
time
13:48
they
13:48
were
13:48
in
13:48
their
13:49
50s,
13:49
their
13:50
kids
13:50
were
13:50
launching.
13:51
And
13:52
that
13:52
also
13:52
meant
13:53
that
13:53
by
13:53
the
13:53
time
13:54
everybody
13:55
retired
13:55
to
13:56
go
13:56
play
13:56
golf
13:56
or
13:57
to
13:57
go
13:57
spend,
13:57
I
13:58
don't
13:58
know,
13:58
30
13:58
days
13:59
traveling
13:59
Europe
13:59
to
14:00
reward
14:00
themselves,
14:01
that
14:01
meant
14:01
that
14:01
their
14:02
parents
14:02
had
14:02
passed.
14:03
Their
14:03
parents
14:04
had
14:04
already
14:04
passed
14:05
on.
14:05
We
14:05
had
14:06
our
14:06
kids
14:06
in
14:06
our
14:06
30s,
14:07
which
14:07
means
14:08
we're
14:08
not
14:08
achieving
14:09
freedom
14:09
in
14:10
our
14:10
50s,
14:10
we're
14:10
achieving
14:11
freedom
14:11
in
14:11
our
14:12
60s.
14:13
And
14:13
just
14:14
as
14:15
we
14:16
start
14:17
to
14:17
feel
14:18
like
14:18
our
14:18
kids
14:18
are
14:18
independent,
14:20
our
14:20
parents
14:21
enter
14:21
their
14:21
season
14:22
of
14:22
frailty.
14:23
Is
14:23
it
14:23
easy
14:24
to
14:24
go
14:24
gallivanting
14:25
halfway
14:26
around
14:26
the
14:26
world
14:26
when
14:26
you
14:27
have
14:27
an
14:27
85
14:27
year
14:28
old
14:28
mother
14:28
living
14:28
at
14:28
home
14:29
alone?
14:29
No,
14:30
it
14:30
is
14:30
not.
14:32
My
14:32
financial
14:32
planning
14:33
solution
14:34
is
14:34
that
14:34
we
14:35
should
14:35
all
14:35
pull
14:35
it
14:35
up
14:36
into
14:36
our
14:36
50s.
14:37
We
14:37
should
14:37
take
14:37
a
14:38
big
14:38
old
14:38
sabbatical
14:39
at
14:39
about
14:40
55
14:41
because
14:41
the
14:42
kids
14:42
are
14:42
old
14:43
enough
14:44
not
14:44
to
14:44
burn
14:45
down
14:45
the
14:45
house.
14:46
The
14:46
parents
14:47
are
14:47
in
14:47
their
14:48
70s,
14:48
which
14:48
is
14:49
this
14:49
magnificent
14:50
found
14:51
decade
14:51
of
14:51
activity.
14:53
Several,
14:54
you
14:54
know,
14:54
20,
14:54
30
14:55
years
14:55
ago
14:55
that
14:55
did
14:56
not
14:56
exist.
14:57
Now
14:57
when
14:57
you
14:57
are
14:57
75,
14:59
you
14:59
are
14:59
still
15:00
out
15:00
and
15:00
about
15:01
and
15:01
changing
15:01
the
15:02
world.
15:03
And
15:03
that's
15:03
exciting.
15:04
So
15:05
they're
15:05
great.
15:05
They're
15:06
still
15:06
in
15:06
their
15:06
70
15:07
to
15:07
80s.
15:09
You
15:09
probably
15:10
have
15:10
an
15:10
opportunity,
15:11
I
15:12
call
15:12
it
15:12
the
15:12
year
15:12
of
15:12
not
15:13
saving.
15:14
To
15:14
not
15:14
work
15:15
so
15:15
hard
15:16
to
15:16
save.
15:17
Because
15:18
compounding
15:19
at
15:20
that
15:20
point
15:20
is
15:21
more
15:21
important
15:22
than
15:23
saving
15:23
additional
15:24
money.
15:24
So
15:25
I
15:25
literally
15:25
tell
15:26
members
15:26
and
15:26
clients,
15:27
how
15:28
about
15:28
you
15:28
don't
15:29
contribute
15:29
in
15:29
your
15:29
55th
15:30
year
15:30
to
15:30
your
15:31
401,
15:31
use
15:32
that
15:32
money
15:32
to
15:32
take
15:33
a
15:33
big
15:33
old
15:33
sabbatical
15:35
and
15:35
instead
15:36
avoid
15:36
distributing
15:38
for
15:38
another
15:38
year.
15:39
Yeah.
15:39
Maybe
15:40
work
15:40
until
15:40
66.
15:42
And
15:42
the
15:42
math
15:43
of
15:43
that
15:44
works
15:44
extremely
15:45
well.
15:46
Oh,
15:46
my
15:46
goodness,
15:47
Sheri.
15:47
It
15:47
makes
15:47
so
15:48
much
15:48
sense.
15:49
I'm
15:50
51
15:51
and
15:51
my
15:52
mother
15:52
is
15:53
in
15:53
her
15:54
70s
15:54
and
15:54
my
15:55
father
15:55
just
15:55
turned
15:56
80.
15:56
They're
15:56
still
15:57
doing
15:57
all
15:58
kinds
15:58
of
15:58
really
15:59
fun
15:59
stuff,
16:00
and
16:01
my
16:01
girls
16:02
are
16:02
at
16:03
the
16:03
point
16:03
where
16:03
I
16:03
can
16:04
leave
16:04
them
16:04
and
16:04
it's
16:05
fine.
16:05
It
16:06
wouldn't
16:06
strike
16:06
me
16:07
if
16:07
you
16:07
hadn't
16:08
said
16:08
it.
16:08
This
16:09
could
16:09
be
16:09
a
16:09
very
16:09
rare
16:10
time.
16:11
This
16:11
is
16:11
the
16:12
opportunity
16:12
for
16:13
freedom.
16:14
Whether
16:14
you
16:14
include
16:14
anybody
16:15
in
16:15
your
16:15
travels,
16:16
whether
16:16
you
16:16
include
16:16
your
16:17
parents
16:17
or
16:17
your
16:17
children,
16:18
or
16:18
whether
16:19
you
16:19
take
16:20
something
16:20
on,
16:21
this
16:22
is
16:22
the
16:22
time
16:23
to
16:23
do
16:23
it.
16:23
So
16:23
if
16:23
you're
16:23
gonna
16:24
go
16:24
to
16:24
law
16:24
school,
16:24
go
16:25
to
16:25
law
16:25
school.
16:25
If
16:26
you're
16:26
gonna
16:26
travel
16:26
the
16:26
world,
16:27
travel
16:27
the
16:27
world.
16:28
If
16:29
you
16:29
have
16:29
an
16:30
employer
16:30
who
16:32
does
16:32
not
16:33
appreciate
16:33
what
16:34
you're
16:34
trying
16:34
to
16:34
do,
16:35
there's
16:35
maybe
16:36
ways
16:36
to
16:36
skin
16:36
that
16:37
cat.
16:37
I
16:37
had
16:37
suggested
16:38
to
16:38
a
16:38
member
16:39
that
16:39
she
16:39
wants
16:40
to
16:40
park
16:40
in
16:40
Vancouver.
16:41
She
16:41
wants
16:41
to.
16:41
And
16:41
I
16:42
said,
16:42
okay,
16:42
take
16:42
your
16:42
two
16:42
weeks
16:43
vacation,
16:43
get
16:43
into
16:43
an
16:44
Airbnb
16:44
in
16:44
Vancouver,
16:45
but
16:45
then
16:46
negotiate
16:46
working
16:47
remotely
16:47
two
16:48
weeks
16:48
before
16:48
and
16:48
two
16:48
weeks
16:49
after
16:49
work
16:50
during
16:50
the
16:50
week
16:50
and
16:51
travel
16:51
around
16:52
the
16:52
Pacific
16:52
Northwest
16:53
on
16:53
the
16:53
weekend.
16:54
She's
16:54
like,
16:54
that's
16:54
a
16:54
great
16:55
idea.
16:55
I'm
16:55
going
16:55
to
16:55
go
16:56
do
16:56
that.
16:57
Fingers
16:57
crossed.
16:58
She
16:58
can
16:58
get
16:58
all
16:59
six
16:59
weeks
16:59
in.
16:59
But
17:00
really,
17:00
this
17:00
is
17:01
the
17:01
time
17:01
to
17:01
spend
17:02
that
17:02
contribution
17:03
and
17:03
not
17:04
worry
17:04
about
17:04
it.
17:05
Because
17:05
the
17:05
thing
17:06
that
17:06
makes
17:06
for
17:06
more
17:06
successful
17:07
retirements.
17:08
I
17:08
hate
17:08
to
17:08
put
17:08
on
17:08
my
17:08
planner
17:09
hat,
17:09
but
17:09
the
17:09
thing
17:09
that
17:10
mostly
17:10
makes
17:11
for
17:11
successful
17:12
retirements
17:12
now
17:13
is
17:13
delaying
17:14
distribution,
17:15
not
17:15
working
17:15
harder
17:16
because
17:16
the
17:16
compounding
17:17
effect
17:17
is
17:17
so
17:18
great.
17:18
And
17:19
even
17:19
for
17:20
super
17:20
wealthy
17:21
people,
17:21
it's
17:22
really
17:22
hard
17:22
to
17:22
fund
17:23
40
17:23
years
17:23
of
17:23
retirement.
17:24
My
17:24
mother's
17:25
the
17:25
best
17:25
example.
17:25
She's
17:26
just
17:27
not
17:27
going
17:28
anywhere.
17:28
I
17:28
took
17:28
her
17:29
to
17:29
the
17:29
doctor
17:29
yesterday
17:31
and
17:31
she
17:31
got
17:31
back
17:32
in
17:32
the
17:32
car
17:32
and
17:32
said,
17:33
I'm
17:33
afraid
17:34
I'm
17:34
not
17:34
going
17:34
anywhere
17:35
anytime
17:35
soon.
17:37
That's
17:37
nice,
17:37
mother.
17:38
That's
17:38
fine.
17:40
Well,
17:40
and
17:40
we
17:40
need
17:41
to
17:41
plan
17:41
for
17:41
that.
17:42
Right?
17:42
It's
17:43
to
17:43
be
17:44
so
17:44
fortunate
17:44
to
17:45
live
17:45
that
17:45
long.
17:45
And
17:47
we
17:47
want
17:47
to
17:47
do
17:47
it
17:48
in
17:48
a
17:48
way
17:48
that
17:49
is
17:49
honorable
17:49
to
17:50
ourselves.
17:51
Right?
17:52
Like,
17:52
let's
17:53
Take
17:53
care
17:53
of
17:53
that
17:54
98
17:55
year
17:55
old
17:55
me
17:56
and
17:56
you
17:57
and
17:57
also
17:57
our
17:58
mothers.
17:58
And
17:59
it's
17:59
a
17:59
tricky
17:59
thing
18:00
to
18:00
do.
18:00
Right?
18:01
So
18:02
getting
18:02
your
18:03
metrics
18:04
together
18:05
is
18:05
not
18:05
just
18:05
financial.
18:06
It's
18:07
not
18:07
just
18:07
knowing
18:08
where
18:08
your
18:08
money
18:09
is.
18:10
Dr.
18:10
Peter
18:10
Attia,
18:11
Dr.
18:11
Mark
18:12
Hyman,
18:12
they
18:13
will
18:13
all
18:13
tell
18:13
you
18:14
this
18:14
is
18:14
the
18:14
decade
18:15
to
18:15
understand
18:16
your
18:16
metrics
18:17
and
18:18
fix
18:18
your
18:18
glucose
18:19
metabolism,
18:20
fix
18:20
your
18:20
cardiovascular
18:21
profile,
18:23
maintain
18:23
your
18:24
mobility,
18:24
work
18:25
on
18:25
your
18:25
skills.
18:26
Because
18:26
when
18:26
you're
18:27
85,
18:27
there
18:27
is
18:27
not
18:28
going
18:28
to
18:28
be
18:28
one
18:28
last
18:29
bank
18:29
teller
18:30
at
18:30
the
18:30
end
18:30
of
18:30
the
18:30
hall
18:31
waiting
18:31
for
18:31
you
18:31
to
18:32
do
18:32
a
18:32
transaction.
18:33
You
18:33
are
18:33
just
18:34
going
18:34
to
18:34
have
18:34
to
18:35
learn
18:35
how
18:35
to
18:35
bank
18:35
on
18:36
your
18:36
phone
18:37
and
18:37
whatever
18:37
the
18:37
next
18:38
technology
18:38
is.
18:40
And
18:40
I
18:40
think
18:40
that
18:40
people
18:41
tend
18:42
to
18:42
be
18:42
resistant.
18:42
I
18:43
mean,
18:43
I
18:43
understand
18:43
why
18:44
they're
18:44
resistant,
18:45
but
18:45
my
18:45
answer
18:46
is,
18:46
don't
18:47
be.
18:47
You
18:47
have
18:48
enough
18:48
Runway
18:49
to
18:50
start
18:50
something
18:50
and
18:51
finish
18:51
something.
18:52
The
18:52
press
18:52
makes
18:53
me
18:53
cranky.
18:54
The
18:54
press
18:54
will
18:55
tell
18:55
you
18:55
about
18:55
life
18:56
expectancy,
18:57
that
18:58
you're
18:58
going
18:59
to
18:59
live.
18:59
I
19:00
believe
19:00
the
19:00
number
19:00
these
19:01
days
19:01
is
19:01
83
19:02
for
19:02
men
19:02
and
19:03
85
19:03
for
19:03
women.
19:04
And
19:04
that's
19:04
an
19:04
average.
19:05
It
19:05
means
19:05
half
19:06
the
19:06
people
19:06
are
19:07
going
19:07
to
19:07
live
19:07
longer.
19:08
But
19:08
what
19:09
they
19:09
don't
19:09
tell
19:10
you
19:10
is
19:11
that
19:11
the
19:11
older
19:12
you
19:12
get,
19:13
the
19:13
older
19:14
you
19:14
get.
19:15
So
19:15
if
19:15
you
19:15
are
19:15
healthy
19:16
at
19:16
65,
19:17
that
19:18
number
19:18
jumps
19:19
to
19:19
85
19:19
and
19:20
87.
19:21
Yeah.
19:22
And
19:22
if
19:22
you
19:22
use
19:23
health
19:23
care,
19:23
if
19:23
you
19:24
are
19:24
someone
19:24
who
19:24
is
19:25
wealthy,
19:25
that
19:25
number's
19:26
89.
19:27
So,
19:27
I
19:28
mean,
19:28
these
19:29
are
19:29
crazy
19:29
numbers.
19:30
Now,
19:30
let's
19:30
do
19:31
some
19:31
quick
19:31
math.
19:33
You
19:33
have
19:33
been
19:33
in
19:34
the
19:34
workforce,
19:35
I'm
19:35
guessing
19:35
somewhere
19:36
between
19:36
25
19:37
and
19:37
30
19:37
years.
19:38
Yeah,
19:38
30
19:38
years.
19:39
Okay,
19:39
well,
19:40
at
19:41
51,
19:43
add
19:43
30
19:43
years.
19:44
Do
19:44
you
19:45
have
19:45
time
19:46
to
19:47
have
19:47
another
19:48
5x
19:49
exits?
19:49
Like,
19:50
do
19:50
you?
19:50
I.
19:50
Of
19:51
course
19:51
I
19:51
do.
19:52
Do
19:52
whatever
19:52
you
19:53
want
19:53
to.
19:54
There
19:54
you
19:54
go.
19:57
Certainly
19:57
not
19:58
done.
19:58
I
19:58
still
19:59
feel
19:59
like
19:59
the
19:59
best
19:59
is
19:59
yet
20:00
to
20:00
come.
20:01
And
20:02
I
20:02
love
20:03
the
20:03
unfolding
20:04
of
20:04
life
20:04
at
20:04
this
20:05
phase.
20:05
So
20:06
to
20:06
your
20:06
point,
20:07
to
20:07
embrace
20:07
it
20:08
and
20:08
to
20:08
learn
20:08
and
20:08
to
20:08
grow
20:09
and
20:09
find
20:09
what
20:10
it
20:10
is
20:10
that
20:10
you
20:10
love
20:11
so
20:11
that
20:11
you
20:11
can
20:12
bring
20:12
that
20:13
into
20:13
life
20:13
in
20:13
whatever
20:14
way
20:14
brings
20:15
you
20:15
joy.
20:15
Right.
20:16
You
20:16
have
20:16
enough
20:17
Runway.
20:17
I
20:18
think
20:18
the
20:18
real
20:18
question
20:19
is,
20:19
when
20:19
people
20:19
come
20:20
to
20:20
me
20:20
and
20:20
they
20:20
come
20:20
to
20:21
me
20:21
all
20:21
the
20:21
time,
20:21
what
20:21
should
20:21
I
20:22
invest
20:22
in?
20:22
The
20:22
answer
20:23
is
20:23
always
20:23
your
20:23
health.
20:24
Always
20:24
your
20:25
health.
20:26
And
20:26
more.
20:26
I
20:27
love
20:27
that
20:27
you're
20:27
suggesting
20:28
times
20:29
when
20:29
we're
20:29
not
20:29
just
20:29
thinking
20:30
about
20:30
the
20:30
metrics
20:31
that
20:31
are
20:31
financial
20:32
and
20:33
we're
20:33
not
20:33
just
20:33
thinking
20:33
about
20:35
saving,
20:35
but
20:35
we're
20:36
thinking
20:36
about
20:36
life,
20:37
and
20:37
we're
20:37
thinking
20:38
about
20:39
purpose
20:39
and
20:40
joy
20:41
and
20:41
relationships,
20:43
using
20:44
our
20:45
funding,
20:45
our
20:46
dollars
20:46
to
20:47
fund
20:47
our
20:48
best
20:48
selves,
20:49
our
20:49
goals,
20:49
our
20:50
dreams.
20:51
People
20:51
think
20:52
I'm
20:52
going
20:52
to
20:52
make
20:52
them
20:52
wrong
20:53
for
20:53
wanting
20:54
to
20:54
spend,
20:54
which
20:55
I
20:55
think
20:55
is
20:55
a
20:55
little
20:55
crazy
20:56
because
20:56
there
20:56
are
20:56
actually
20:57
two
20:57
ways
20:57
to
20:57
flunk
20:58
retirement.
20:58
One
20:58
is
20:59
to
20:59
run
20:59
out
20:59
of
20:59
money.
21:00
But
21:00
the
21:00
other
21:00
one
21:00
is
21:01
to
21:01
wake
21:01
up
21:01
at
21:01
90
21:02
and
21:02
have
21:02
millions
21:03
of
21:03
dollars
21:04
in
21:04
the
21:04
bank,
21:05
no
21:05
one
21:05
to
21:05
leave
21:05
it
21:05
to
21:06
and
21:07
realize,
21:08
oh,
21:08
my
21:08
gosh,
21:09
I
21:09
could
21:09
have
21:10
done
21:10
a
21:10
lot
21:11
more.
21:12
Balancing
21:13
that
21:13
is
21:13
hard.
21:14
There's
21:14
a
21:14
YOLO
21:15
factor
21:16
to
21:17
planning.
21:18
And
21:19
I've
21:19
told
21:19
people
21:20
who
21:20
have
21:20
dreams
21:21
to,
21:22
you
21:22
know,
21:22
I've
21:22
given
21:22
them
21:23
permission
21:24
to
21:24
go
21:24
follow
21:25
the
21:25
dream.
21:25
Go
21:26
do
21:26
it.
21:27
And
21:27
my
21:27
biggest
21:28
thing
21:28
now
21:28
is
21:28
do
21:28
it
21:28
10
21:29
years
21:29
earlier.
21:29
Do
21:29
it.
21:30
Do
21:30
it
21:30
while
21:30
you
21:30
still
21:30
have
21:31
the
21:31
knees
21:32
and
21:32
the
21:33
hips
21:33
to
21:34
climb
21:34
an
21:34
alp
21:35
or
21:35
into
21:35
Machu
21:36
Picchu.
21:37
I
21:37
gotta
21:37
tell
21:37
you,
21:38
the
21:38
Inca
21:38
Trail
21:38
is
21:38
tough.
21:39
That
21:39
walk
21:39
is
21:40
tough.
21:40
I've
21:41
done
21:41
it.
21:41
And
21:41
it
21:42
is
21:42
remarkable.
21:43
And
21:43
to
21:44
think
21:44
that
21:44
you
21:44
would
21:44
wait
21:45
too
21:45
long
21:46
to
21:46
be
21:46
able
21:46
to
21:46
do
21:47
these
21:47
things.
21:48
And
21:48
you're
21:48
right,
21:48
because
21:48
you
21:49
sort
21:49
of
21:49
tell
21:50
yourself,
21:50
well,
21:51
maybe
21:51
in
21:51
my
21:51
60s,
21:52
maybe
21:52
in
21:52
my
21:52
70s.
21:53
But
21:53
then,
21:53
gee,
21:54
you
21:54
know,
21:54
life
21:54
does
21:55
get
21:55
more
21:55
complicated
21:56
with
21:56
your
21:56
parents.
21:58
Maybe
21:58
your
21:58
kids
21:58
start
21:59
having
21:59
kids
21:59
and
21:59
grandparenthood
22:00
takes
22:01
over.
22:01
So,
22:01
Sheri,
22:02
I
22:02
am
22:02
curious,
22:03
like
22:03
a
22:04
lot
22:04
of
22:04
my
22:04
listeners,
22:05
most
22:05
of
22:05
my
22:05
listeners
22:06
are
22:07
founders.
22:07
Some
22:08
are
22:08
in
22:08
their
22:08
50s.
22:09
But
22:10
founding
22:10
a
22:11
business,
22:11
growing
22:12
a
22:12
business,
22:13
how
22:13
much
22:14
to
22:14
keep,
22:14
how
22:14
much
22:15
to
22:15
reinvest
22:15
back
22:16
into
22:16
the
22:16
business,
22:16
all
22:17
these
22:17
things,
22:18
exits,
22:18
what
22:19
are
22:19
some
22:19
of
22:19
the
22:19
things
22:20
that
22:20
you
22:21
advise?
22:22
How
22:22
do
22:22
you,
22:22
how
22:23
do
22:23
you
22:23
think
22:23
about
22:24
owning
22:24
a
22:24
company,
22:25
running
22:25
a
22:25
company?
22:26
Like,
22:27
as
22:28
a
22:28
woman,
22:28
we,
22:28
you
22:28
know,
22:29
I
22:29
think
22:29
women
22:29
treat
22:30
themselves
22:30
less
22:31
like
22:31
businesses.
22:32
But
22:33
number
22:33
one,
22:33
I
22:33
am
22:34
a
22:34
big
22:34
fan
22:35
of
22:35
always
22:36
having
22:36
a
22:36
forget
22:37
you
22:37
fund.
22:37
One
22:38
of
22:38
the
22:38
reasons
22:38
that
22:39
I
22:39
was
22:39
able
22:39
to
22:39
go
22:40
into
22:40
sales,
22:40
one
22:40
of
22:41
the
22:41
reasons
22:41
I
22:41
was
22:41
able
22:42
to
22:42
change
22:42
careers
22:43
is
22:43
because
22:44
I
22:44
had
22:44
a
22:44
forget
22:45
you
22:45
fund.
22:45
Sometimes
22:46
you
22:47
have
22:47
to
22:47
use
22:48
it.
22:48
It's
22:48
different
22:49
than
22:49
your
22:49
emergency
22:50
fund.
22:50
The
22:50
emergency
22:50
fund
22:51
is
22:51
for
22:51
emergency.
22:52
The
22:52
forget
22:53
you
22:53
fund
22:53
is
22:53
a
22:54
startup
22:54
fund
22:54
to
22:55
get
22:55
you
22:55
out
22:55
of
22:55
a
22:55
toxic
22:56
employment
22:56
before
22:57
the
22:57
next
22:57
thing
22:57
is
22:57
lined.
22:58
It
22:58
is
22:58
a
22:59
fund
22:59
to
22:59
remove
23:00
you
23:00
from
23:00
a
23:00
dangerous
23:00
situation
23:01
and
23:02
put
23:02
you
23:02
in
23:02
a
23:02
hotel
23:03
for
23:03
some
23:03
time,
23:04
whatever
23:04
it
23:04
is.
23:05
Or
23:05
a
23:05
bad
23:05
marriage,
23:06
right?
23:06
Or
23:06
a
23:06
marriage,
23:07
you
23:07
need
23:07
extra
23:08
money.
23:09
And
23:09
so
23:10
the
23:10
rules
23:10
of
23:10
business
23:11
is
23:11
be
23:11
properly,
23:12
have
23:12
your
23:12
eyes
23:12
open
23:13
and
23:13
be
23:13
properly
23:14
capitalized.
23:15
Not
23:15
that
23:15
cash
23:16
flow
23:16
doesn't
23:16
get
23:16
tight.
23:17
It
23:17
gets
23:17
tight
23:17
for
23:18
all
23:18
businesses.
23:19
When
23:19
poor
23:19
people
23:20
borrow
23:20
money,
23:21
it's
23:21
called
23:21
debt.
23:21
When
23:22
wealthy
23:22
people
23:22
borrow
23:23
money,
23:23
it's
23:23
called
23:23
leverage.
23:25
Seems
23:26
to
23:26
me
23:26
it's
23:26
the
23:26
same
23:26
thing,
23:27
folks.
23:28
Anyhow,
23:29
I
23:29
think
23:29
the
23:30
most
23:30
important
23:31
Thing
23:31
the
23:31
old
23:31
Stephen
23:32
Covey
23:32
begin
23:33
with
23:33
the
23:33
end
23:33
in
23:33
mind
23:33
is
23:34
to
23:34
have
23:34
an
23:34
exit
23:35
idea
23:35
or
23:36
strategy
23:38
coming
23:38
into
23:39
the
23:39
what
23:39
I
23:40
want
23:40
to
23:40
do.
23:41
Because
23:41
that
23:42
is
23:42
going
23:42
to
23:42
tell
23:43
you
23:43
whether
23:43
you
23:44
have
23:44
a
23:44
labor
23:44
of
23:45
love
23:45
or
23:45
a
23:45
business.
23:47
And
23:47
the
23:47
second,
23:48
I
23:48
think
23:49
is
23:49
terribly
23:50
important.
23:50
Of
23:50
course,
23:50
I'm
23:51
a
23:51
financial
23:51
planner.
23:52
My
23:53
feeling
23:53
is
23:53
that
23:53
offense
23:54
sells
23:54
tickets
23:54
and
23:55
defense
23:55
wins
23:56
championships.
23:57
And
23:57
that
23:58
is
23:58
the
23:59
contingency
24:00
plan.
24:01
What
24:01
is
24:02
the
24:02
backup
24:03
if
24:03
things
24:04
don't
24:04
go
24:04
according
24:05
to
24:05
plans?
24:06
Because
24:07
things
24:07
never
24:07
go
24:08
according
24:08
to
24:08
plan.
24:09
They
24:09
never
24:10
go
24:10
according
24:10
to
24:10
plan.
24:11
And
24:11
I
24:11
worry
24:12
about
24:13
founders,
24:13
funders,
24:14
business
24:15
owners
24:15
who
24:16
don't
24:17
wake
24:17
up
24:17
one
24:17
morning.
24:17
We
24:18
want
24:18
them
24:18
to
24:18
leave
24:19
with
24:19
a
24:19
fishing
24:19
rod
24:20
over
24:20
their
24:20
shoulder
24:20
and
24:21
a
24:21
tackle
24:21
box
24:21
under
24:22
their
24:22
arm,
24:23
you
24:23
know,
24:23
or
24:23
waltzing
24:24
off
24:24
to
24:24
Pilates
24:25
at
24:25
10am
24:25
there's
24:26
no
24:26
right
24:26
answer.
24:27
But
24:28
what
24:28
if
24:28
they
24:29
don't?
24:29
Who
24:30
is
24:30
on
24:30
the
24:30
hook?
24:31
What
24:31
does
24:31
it
24:31
look
24:31
like
24:32
for
24:32
their
24:32
loved
24:32
ones?
24:33
What
24:33
does
24:33
it
24:33
look
24:33
like
24:34
for
24:34
their
24:34
customers
24:35
and
24:35
clients?
24:35
What
24:36
does
24:36
it
24:36
look
24:36
like
24:37
for
24:37
their
24:37
employees?
24:38
I
24:39
feel
24:39
very
24:40
strongly
24:41
that
24:43
as
24:43
soon
24:43
as
24:44
you
24:44
declare
24:44
yourself
24:45
a
24:46
business,
24:47
you
24:48
need
24:48
to
24:49
look
24:49
at
24:49
what
24:49
if.
24:50
That
24:50
is
24:51
frequently
24:51
the
24:51
work
24:51
of
24:52
business
24:52
planners.
24:53
Sometimes
24:54
they
24:54
can
24:55
fix
24:55
the
24:55
what
24:56
if
24:56
with
24:57
a
24:57
financial
24:58
solution.
24:59
But
24:59
I'm
24:59
not
25:00
even
25:00
talking
25:00
about
25:00
the
25:00
financial
25:01
solution.
25:01
I'm
25:02
talking
25:02
about
25:03
what
25:03
happens
25:03
if
25:04
somebody
25:04
doesn't
25:04
wake
25:05
up
25:05
tomorrow
25:05
morning.
25:05
Because
25:06
that
25:06
is
25:06
life
25:07
and
25:07
it
25:07
comes
25:07
at
25:07
you
25:08
fast.
25:08
Yeah,
25:09
it
25:09
happens.
25:09
It
25:10
can
25:10
be
25:10
at
25:10
different
25:10
versions
25:11
of
25:11
it.
25:11
Have
25:12
a
25:12
baby
25:12
and
25:12
the
25:12
baby
25:13
has
25:13
special
25:13
needs
25:14
and
25:14
you
25:14
need
25:14
to
25:14
take
25:15
time
25:15
off
25:15
or
25:15
get
25:16
cancer
25:16
and
25:17
it
25:17
takes
25:17
you
25:17
down
25:17
for
25:18
a
25:18
while.
25:18
Right.
25:18
You
25:19
need
25:20
to
25:20
have
25:20
a
25:20
way.
25:21
I
25:21
agree
25:21
with
25:22
you
25:22
a
25:22
hundred
25:22
percent.
25:23
Like
25:23
being
25:23
able
25:23
to
25:24
think
25:24
about
25:24
your
25:24
business,
25:25
think
25:25
about
25:25
the
25:25
end
25:25
in
25:26
mind.
25:26
I
25:27
always
25:27
believe
25:27
that
25:28
when
25:28
you
25:28
plan
25:28
for
25:29
your
25:29
business
25:30
to
25:31
have
25:31
as
25:31
many
25:31
possible
25:32
exits
25:32
available
25:33
that
25:33
you
25:34
actually
25:34
make
25:34
the
25:34
best
25:34
business
25:35
decisions
25:35
to
25:36
keep
25:36
it
25:36
yourself.
25:38
Right.
25:38
To
25:38
keep
25:38
and
25:39
own
25:39
it
25:39
as
25:39
your
25:39
own
25:40
asset
25:40
forever.
25:41
So
25:41
I
25:41
love
25:42
that.
25:42
I
25:42
think
25:42
that's
25:42
really
25:43
important
25:43
advice
25:44
for
25:44
founders.
25:45
So
25:46
you
25:46
got
25:46
to
25:46
a
25:46
point
25:47
with
25:47
your
25:47
business
25:48
that
25:48
you.
25:48
You
25:48
sold
25:49
it?
25:50
I
25:50
did.
25:51
And
25:51
so
25:51
that
25:51
was
25:52
my
25:52
succession
25:53
plan.
25:54
I
25:54
think
25:54
that
25:55
in
25:55
financial
25:56
planning,
25:57
succession
25:57
planning
25:58
is
25:58
extremely
25:59
important
26:00
because
26:00
I
26:01
am
26:01
exercising
26:02
fiduciary
26:03
responsibility
26:03
for
26:04
your
26:04
money.
26:05
And
26:06
that's
26:07
important
26:07
to
26:07
you?
26:08
Absolutely.
26:09
So
26:09
that's
26:10
a
26:10
relationship
26:11
that
26:11
we've
26:12
invested
26:12
a
26:12
lot
26:12
of
26:13
time
26:13
in.
26:14
It
26:14
was
26:14
very
26:15
important
26:15
to
26:15
me.
26:16
And
26:16
I'm
26:16
actually
26:16
going
26:16
to
26:17
plug
26:17
her
26:18
because
26:18
I
26:18
feel
26:19
that
26:19
I
26:19
did
26:19
something
26:20
right.
26:20
So
26:21
in
26:21
the
26:21
process
26:21
of
26:22
patting
26:22
myself
26:23
on
26:23
the
26:23
head,
26:24
I
26:24
went
26:24
into
26:24
my
26:25
alumni
26:25
network,
26:26
I
26:26
went
26:26
to
26:26
the
26:26
University
26:27
of
26:27
Rochester.
26:27
Like
26:28
you,
26:28
I
26:29
went
26:29
into
26:29
the
26:30
Women's
26:30
Alumni
26:30
Network
26:31
and
26:31
came
26:32
up
26:32
with
26:33
the
26:33
lovely
26:33
Christine
26:34
Lamuti,
26:35
a
26:35
Simon
26:35
grad.
26:36
She
26:36
spent
26:36
a
26:36
year
26:36
shadowing
26:37
me
26:38
so
26:38
that
26:38
when
26:39
it
26:39
came
26:39
time
26:41
to
26:41
transition,
26:41
my
26:42
clients,
26:42
they
26:43
knew
26:43
her.
26:43
We
26:44
had
26:44
a
26:44
very
26:45
specific
26:46
workflow
26:47
whereby
26:48
I
26:48
led
26:49
a
26:49
meeting,
26:49
she
26:49
shadowed.
26:50
She
26:51
led
26:51
a
26:51
meeting,
26:51
I
26:52
shadowed.
26:53
And
26:53
then
26:53
we
26:54
saw
26:54
what
26:54
was
26:55
needed
26:55
to
26:55
be
26:55
done.
26:56
And
26:56
so
26:56
it
26:56
was
26:56
a
26:57
very
26:57
smooth
26:58
transition
26:59
that
27:00
enabled
27:00
me,
27:01
10
27:02
months
27:02
out,
27:03
to
27:04
set
27:04
a
27:04
date
27:05
and
27:05
say,
27:05
okay,
27:06
December
27:06
31st
27:08
is
27:08
my
27:09
final
27:09
day.
27:10
Amazing.
27:11
I
27:11
feel
27:11
like
27:11
I
27:11
met
27:12
Christine.
27:12
Yes.
27:13
At
27:13
her.
27:13
To
27:13
my
27:14
home.
27:15
Christine
27:15
is
27:16
a
27:16
member
27:16
of
27:16
How
27:17
Women
27:17
Lead
27:17
and
27:18
How
27:18
Women
27:18
Invest.
27:19
She's
27:20
my
27:20
ride
27:20
or
27:20
die.
27:21
We
27:21
are
27:21
separated
27:22
by
27:22
30
27:22
years
27:23
and
27:23
probably
27:24
a
27:24
foot
27:24
in
27:25
height
27:25
and
27:26
could
27:26
not
27:27
be
27:27
more
27:27
different,
27:29
but
27:29
we
27:30
see
27:30
the
27:30
world
27:30
the
27:31
same
27:31
way.
27:31
It's
27:32
a
27:32
joy
27:33
to
27:33
travel
27:34
the
27:34
universe
27:35
with
27:35
her
27:36
and
27:36
to
27:37
mentor
27:38
her
27:38
as
27:38
she
27:39
begins
27:39
her
27:39
career.
27:40
And
27:40
this
27:40
is
27:40
something
27:41
people
27:42
don't
27:42
think
27:42
about
27:43
because
27:44
in
27:44
a
27:44
few
27:44
years,
27:44
if
27:45
I
27:45
ever
27:45
get
27:45
around
27:46
to
27:46
actually
27:46
retiring,
27:47
she's
27:48
going
27:48
to
27:48
be
27:49
my
27:49
financial
27:50
advisor.
27:50
We
27:51
get
27:51
caught
27:51
up
27:52
in
27:52
our
27:52
relationships
27:53
because
27:53
they're
27:54
so
27:54
good
27:54
to
27:54
us
27:55
for
27:55
so
27:55
long
27:55
not
27:56
realizing
27:56
that
27:57
just
27:57
when
27:57
we
27:57
need
27:58
our
27:58
financial
27:58
planner,
27:59
they're
27:59
going
28:00
to
28:00
retire,
28:00
too.
28:01
Yeah.
28:01
And
28:02
so
28:02
true.
28:02
And
28:02
I
28:03
don't
28:03
want
28:03
a
28:03
financial
28:03
planner
28:04
who's
28:04
my
28:04
age.
28:05
I
28:05
want
28:05
a
28:05
financial
28:06
planner
28:06
who's
28:06
20
28:07
or
28:07
30
28:07
years
28:07
younger.
28:09
So
28:09
true.
28:10
It's
28:10
really
28:10
true.
28:11
Oh,
28:11
my
28:11
goodness.
28:12
Again,
28:12
I
28:12
just
28:12
got
28:13
through
28:13
saying
28:13
I'm
28:13
not
28:13
young,
28:14
not
28:14
done,
28:14
and
28:14
I'm
28:15
not.
28:15
But
28:16
I
28:16
still
28:17
don't
28:17
want.
28:19
Yeah,
28:20
totally.
28:21
Well,
28:21
I
28:21
love
28:21
that.
28:22
I
28:22
think
28:22
it's
28:22
having
28:22
that
28:23
succession
28:23
in
28:23
place
28:24
and
28:24
Christine
28:25
being
28:26
there
28:26
as
28:27
someone
28:27
who
28:27
can
28:28
learn
28:28
from
28:28
you
28:28
and
28:28
you
28:29
can
28:29
have
28:29
this
28:30
reciprocal
28:31
relationship
28:31
with
28:31
her
28:32
for
28:32
the
28:33
listeners.
28:33
Sheri
28:34
and
28:34
I
28:34
met
28:34
through
28:34
How
28:34
Women
28:35
Lead.
28:35
I
28:35
think
28:36
I
28:36
hosted
28:36
an
28:36
event
28:36
here.
28:37
You
28:37
came
28:37
to
28:37
the
28:38
event.
28:38
We
28:39
might
28:39
have
28:39
met
28:39
before
28:39
that
28:40
at
28:40
another
28:40
one.
28:40
I
28:40
don't
28:41
recall.
28:41
And
28:41
that
28:41
was
28:42
how
28:42
we
28:42
met.
28:42
That
28:43
was.
28:43
Right.
28:43
And
28:43
you
28:44
brought
28:44
Christine.
28:45
And
28:45
that
28:46
was
28:46
probably
28:46
a
28:46
year
28:46
ago,
28:47
maybe
28:47
a
28:47
little
28:48
more.
28:48
And
28:49
we've
28:49
just
28:49
had
28:49
a
28:50
blast
28:50
getting
28:50
to
28:50
know
28:51
each
28:51
other
28:51
and
28:51
running
28:51
into
28:52
each
28:52
other
28:52
in
28:52
all
28:52
the
28:53
places
28:53
around
28:54
town
28:54
here
28:54
in
28:54
New
28:55
York
28:55
and
28:55
beyond.
28:56
I
28:56
think
28:57
this
28:57
is
28:57
another
28:57
piece
28:58
of
28:58
it
28:58
for
28:58
women.
28:59
Right?
28:59
Like,
28:59
let's
28:59
find
29:00
each
29:00
other
29:01
and
29:01
celebrate
29:02
each
29:02
other
29:02
and
29:02
help
29:02
each
29:02
other
29:03
learn
29:04
and
29:04
grow
29:05
professionally,
29:06
personally.
29:07
Just
29:07
finding
29:07
each
29:08
other's
29:08
joy
29:08
is
29:09
so
29:09
important.
29:10
So
29:10
at
29:10
what
29:11
point
29:11
did
29:11
you
29:12
start,
29:12
Madrina?
29:13
Molly,
29:14
I
29:14
just
29:14
want
29:14
to
29:15
acknowledge
29:15
what
29:15
you
29:15
just
29:15
said
29:16
because
29:16
I
29:16
think
29:16
you
29:16
said
29:16
it
29:16
mouthful
29:17
sometimes
29:18
it
29:18
takes
29:18
a
29:18
long
29:18
time
29:19
to
29:19
feel
29:19
like
29:19
you've
29:20
entered
29:20
the
29:20
right
29:20
room
29:21
with
29:21
women
29:21
who
29:22
think
29:22
the
29:22
way
29:22
you
29:23
think.
29:24
Your
29:24
founders
29:24
out
29:25
there
29:25
listening,
29:26
the
29:26
network
29:27
that
29:27
you
29:28
love
29:28
dearly,
29:30
the
29:30
crowd
29:30
you
29:30
can
29:31
cry
29:31
to
29:31
in
29:31
the
29:31
middle
29:32
of
29:32
the
29:32
night,
29:32
they
29:33
may
29:33
not
29:33
be
29:34
the
29:34
fierce
29:34
advocates
29:35
for
29:35
your
29:35
business.
29:36
They
29:36
may
29:36
not
29:37
be
29:37
the
29:38
same
29:38
women.
29:39
That
29:39
doesn't
29:39
mean
29:39
they
29:40
don't
29:40
love
29:40
you
29:40
and
29:40
haven't
29:41
loved
29:41
you
29:41
for
29:41
however
29:42
many
29:42
years
29:42
you've
29:42
known
29:43
one
29:43
another.
29:44
But
29:44
they
29:44
may
29:45
not
29:45
be
29:46
the
29:46
same
29:46
women.
29:47
What
29:47
got
29:47
you
29:47
here
29:48
may
29:48
not
29:48
get
29:48
you
29:48
there.
29:49
That's
29:50
true.
29:50
Relative
29:50
to
29:51
what
29:51
you
29:51
said,
29:52
I
29:53
think
29:53
that
29:53
there's
29:53
so
29:54
much
29:54
joy
29:55
in
29:55
finally
29:55
feeling
29:56
like
29:56
I'm
29:56
in
29:56
the
29:56
right
29:57
room.
29:58
I
29:58
attended
29:59
a
29:59
limited
29:59
partner
30:00
retreat
30:00
in
30:01
Mill
30:01
Valley
30:03
and
30:03
it
30:03
could
30:04
not
30:04
have
30:04
been
30:04
more
30:05
awesome.
30:07
So,
30:07
doubling
30:08
down
30:08
on
30:08
what
30:08
you
30:09
said,
30:09
Madrina
30:10
Mali.
30:10
Thank
30:10
you
30:10
for
30:10
asking.
30:11
I
30:11
realize
30:12
that
30:12
I
30:12
am
30:13
not
30:13
done
30:14
being
30:14
a
30:15
certified
30:15
financial
30:16
planner
30:16
practitioner.
30:18
There's
30:18
a
30:18
part
30:18
of
30:19
me
30:19
that
30:20
has
30:20
always
30:21
found
30:21
so
30:21
much
30:21
joy
30:22
in
30:22
teaching.
30:24
Women
30:24
come
30:25
to
30:25
me
30:25
uncertain.
30:27
They
30:28
feel
30:28
like
30:28
they
30:28
miss
30:29
the
30:29
memo.
30:30
I'm
30:30
talking
30:30
about
30:31
extremely
30:32
well
30:32
to
30:32
do
30:33
women.
30:33
Maybe
30:33
high
30:34
cash
30:34
flow,
30:34
looking
30:34
to
30:35
become
30:35
wealthy.
30:36
Maybe
30:36
women
30:36
who
30:36
are
30:37
already
30:37
wealthy.
30:38
I
30:39
mean,
30:39
women
30:39
with
30:40
eight
30:40
digit
30:41
net
30:41
worths
30:42
looking
30:42
me
30:42
in
30:42
the
30:43
eye
30:43
and
30:43
their
30:43
opening
30:44
salvo
30:44
is
30:44
you're
30:44
gonna
30:45
tell
30:45
me
30:45
I'm
30:45
doing
30:45
everything
30:46
wrong.
30:47
How
30:47
is
30:47
that
30:48
possible?
30:49
How
30:49
is
30:49
that
30:49
even
30:50
possible?
30:51
So
30:52
I
30:52
think
30:52
the
30:52
origin
30:53
of
30:53
Madrina
30:54
Molly
30:55
is
30:55
to
30:56
remove
30:57
the
30:57
final
30:57
excuse
30:59
for
30:59
not
31:00
asking
31:00
questions
31:01
you
31:01
don't
31:02
know
31:02
the
31:02
answer
31:02
to
31:03
about
31:03
personal
31:04
finance.
31:05
And
31:05
there
31:05
are
31:06
CEOs,
31:07
CFOs,
31:07
founders,
31:08
and
31:08
big
31:08
shots
31:10
who
31:11
just
31:12
need
31:12
someone.
31:13
It's
31:13
safe
31:13
to
31:13
ask.
31:14
Many
31:15
of
31:15
these
31:15
people
31:16
are
31:16
delegating
31:17
the
31:18
financial
31:18
management
31:19
to
31:19
their
31:19
significant
31:20
other.
31:20
Not
31:20
that
31:21
their
31:21
significant
31:21
other
31:22
isn't
31:22
good
31:22
at
31:22
it,
31:22
but
31:23
they
31:23
want
31:23
better
31:23
questions
31:24
to
31:24
ask.
31:25
Maybe
31:25
they
31:25
don't
31:26
particularly
31:27
like
31:27
their
31:28
significant
31:28
other's
31:29
financial
31:29
advisor.
31:30
Or
31:30
maybe
31:31
that
31:31
advisor
31:31
is
31:31
just
31:31
an
31:32
investment
31:32
advisor,
31:33
not
31:33
a
31:33
planner.
31:34
Investment
31:35
a
31:35
planner.
31:35
But
31:36
they're
31:36
not.
31:36
They
31:36
call
31:37
themselves
31:37
a
31:37
wealth
31:37
manager,
31:38
but
31:38
all
31:38
they
31:38
do
31:39
is
31:39
grow
31:39
the
31:39
portfolio.
31:40
I
31:40
think
31:40
it's
31:41
important
31:41
to
31:41
provide
31:42
a
31:42
safe
31:42
space,
31:43
like
31:43
literally
31:44
a
31:44
safe
31:44
space
31:46
online
31:46
and
31:46
on
31:47
my
31:47
zoom
31:48
to
31:48
answer
31:49
questions.
31:49
I
31:50
anonymize
31:50
them
31:51
Dear
31:51
Abby
31:51
style,
31:52
inside
31:52
the
31:52
community.
31:53
And
31:54
I
31:54
tell
31:54
the
31:55
story
31:55
so
31:55
that
31:55
everybody
31:56
can
31:56
get
31:57
the
31:57
answer.
31:57
And
31:58
sometimes
31:58
people
31:58
are
31:58
happy
31:59
applying
31:59
their
32:00
name
32:00
to
32:00
it.
32:00
And
32:01
sometimes
32:01
it's
32:01
just
32:01
a
32:02
private
32:02
conversation
32:03
that
32:03
they
32:03
know
32:03
I'm
32:03
going
32:04
to
32:04
anonymize
32:04
and
32:05
repeat.
32:05
The
32:06
idea
32:06
is
32:07
to
32:08
charge
32:08
a
32:09
nominal
32:09
amount,
32:10
just
32:10
enough
32:10
to
32:10
keep
32:11
people
32:11
honest
32:12
to
32:13
answer
32:14
questions
32:15
in
32:15
a
32:15
fiduciary
32:16
capacity
32:17
relative
32:17
to
32:17
framing
32:18
the
32:18
problem.
32:18
There
32:19
are
32:19
only
32:19
25,000
32:21
women
32:22
CFPs
32:23
and
32:23
we
32:24
all
32:24
have
32:24
full
32:25
calendars.
32:25
When
32:26
I
32:26
was
32:26
in
32:26
practice,
32:27
squeezing
32:28
in
32:28
an
32:28
extra
32:29
appointment
32:30
without
32:31
destroying
32:32
my
32:32
life
32:33
was
32:33
hard.
32:34
If
32:34
you
32:34
want
32:35
something,
32:35
you
32:35
work
32:36
hard
32:36
to
32:36
get
32:36
it.
32:37
But
32:38
in
32:38
the
32:38
end
32:40
nobody
32:40
ever
32:40
wishes
32:41
they
32:41
had
32:41
worked
32:41
harder.
32:42
We
32:42
each
32:43
get
32:43
168
32:44
hours
32:44
a
32:45
week.
32:45
You
32:46
get
32:46
it,
32:46
I
32:46
get
32:46
it.
32:47
We
32:47
can't
32:47
manufacture
32:48
more
32:49
and
32:49
it's
32:49
how
32:49
we
32:49
use
32:50
it
32:50
that
32:50
counts.
32:51
I
32:51
feel
32:52
like
32:52
Madrina
32:52
Molly
32:53
is
32:53
such
32:54
a
32:54
wonderful
32:54
offering
32:55
because
32:56
it
32:57
can
32:58
transcend
32:59
giving
32:59
your
33:00
wisdom
33:01
and
33:01
creating
33:01
that
33:01
community
33:02
within
33:03
just
33:03
that
33:03
one
33:04
on
33:04
one
33:04
time.
33:05
It
33:05
allows
33:05
you
33:05
to
33:05
reach
33:06
so
33:06
many
33:06
more
33:07
people
33:07
than
33:08
you
33:08
would
33:08
if
33:08
you
33:09
only
33:09
only
33:09
could
33:10
meet
33:10
with
33:10
people
33:11
one
33:12
at
33:12
a
33:12
time.
33:13
This
33:13
is
33:13
the
33:13
thing
33:13
that
33:14
I
33:14
think
33:14
is
33:14
so
33:14
powerful
33:15
about
33:15
it.
33:15
And
33:16
why
33:16
so
33:16
wanted
33:17
you
33:17
to
33:18
be
33:18
on
33:18
the
33:18
show
33:18
Because
33:19
I
33:19
feel
33:19
like
33:19
it's
33:20
so
33:20
accessible
33:20
for
33:21
women
33:21
at
33:22
really
33:22
any
33:23
stage.
33:24
And
33:24
I
33:25
know
33:25
you're
33:25
focused
33:25
on
33:26
helping
33:26
women
33:26
a
33:26
little
33:26
bit
33:27
older
33:27
my
33:28
age
33:29
and
33:29
older,
33:29
but
33:30
I
33:30
think
33:30
it's
33:30
valuable
33:31
for
33:31
women
33:32
at
33:32
any
33:32
stage.
33:32
I
33:33
really
33:33
do.
33:34
Thank
33:34
you
33:34
for
33:34
saying
33:34
that.
33:35
I
33:35
am
33:36
finding
33:37
that
33:38
there
33:38
are
33:38
plenty
33:39
of
33:39
people
33:40
for
33:40
the
33:40
young
33:41
women
33:41
coming
33:41
up,
33:42
but
33:43
my
33:43
members
33:44
are
33:44
starting
33:44
to
33:44
skew
33:45
younger.
33:45
They're
33:45
skewing
33:46
into
33:46
their
33:46
40s.
33:47
I
33:47
understand
33:48
why.
33:49
The
33:49
reason
33:49
I
33:49
understand
33:50
why
33:50
is
33:51
because
33:51
this
33:51
sandwich
33:52
generation,
33:53
because
33:53
I'm
33:53
living
33:54
it.
33:54
I
33:54
understand
33:55
what
33:55
it's
33:56
like
33:56
to
33:57
be
33:57
a
33:58
woman
33:58
with
33:58
her
33:58
mother's
33:59
spare
33:59
rollator
34:00
in
34:00
the
34:00
boot
34:00
and
34:01
her
34:01
grandchildren
34:02
spare
34:02
child
34:02
seat
34:03
in
34:03
the
34:03
back
34:03
of
34:03
the
34:03
same
34:04
suv.
34:05
Yeah.
34:06
And
34:06
sometimes
34:07
I'm
34:07
just
34:07
like
34:08
these
34:08
are
34:08
both
34:08
labors
34:09
of
34:09
love.
34:09
They
34:09
are
34:10
both
34:10
non
34:10
negotiable,
34:11
they're
34:11
both
34:12
happening.
34:13
And
34:13
how
34:14
many
34:14
women
34:16
are
34:16
in
34:16
that
34:17
situation?
34:18
A
34:18
lot.
34:19
And
34:19
guess
34:19
what?
34:20
A
34:20
lot
34:20
of
34:20
men
34:20
are
34:21
now
34:21
in
34:21
that
34:21
situation.
34:22
The
34:22
number
34:23
of
34:23
caregivers
34:23
who
34:24
are
34:24
men
34:25
is
34:25
increasing
34:26
dramatically.
34:27
Which
34:27
gives
34:28
me
34:28
hope
34:28
that
34:28
something
34:28
might
34:29
be
34:29
done
34:30
about
34:30
the
34:30
caregiving
34:31
industry
34:32
and
34:32
our
34:32
general
34:33
needs.
34:34
You
34:34
know,
34:35
I'm
34:35
gonna.
34:36
I
34:36
have
34:36
to
34:36
put
34:36
my
34:36
feminist
34:37
hat
34:37
on
34:38
here
34:38
because
34:39
in
34:39
my
34:39
walks
34:40
and
34:40
yes,
34:40
I
34:40
walk
34:41
every
34:41
day
34:41
at
34:42
least
34:42
three
34:42
miles,
34:43
I
34:43
am
34:44
listening
34:44
to
34:45
Doris
34:46
Stevens.
34:46
Doris
34:47
Stevens,
34:48
Jailed
34:48
for
34:49
Freedom
34:50
is
34:50
the
34:50
book
34:50
on
34:50
which
34:51
Suffs
34:51
was
34:51
based.
34:51
Saw
34:52
the
34:52
musical,
34:52
which
34:52
is
34:53
now
34:53
going
34:53
on
34:53
national
34:54
tour.
34:55
And
34:55
it
34:55
is
34:55
my
34:55
hope
34:56
that
34:57
Suffs
34:57
is
34:58
to
34:58
women's
34:58
history
34:59
in
34:59
the
34:59
20th
34:59
century
35:00
what
35:00
Hamilton
35:01
was
35:02
to
35:02
the
35:02
founders
35:03
in
35:03
the
35:03
18th
35:04
century.
35:05
It
35:05
is
35:06
the
35:06
story.
35:06
So
35:07
it's
35:07
her
35:07
firsthand
35:07
account
35:08
of
35:09
life
35:09
with
35:09
Alice
35:10
Paul
35:10
and
35:11
the
35:11
passage
35:11
of
35:11
the
35:12
19th
35:12
Amendment
35:12
in
35:13
1920.
35:14
And
35:14
just
35:14
the
35:15
fact
35:15
that
35:15
they
35:15
tortured
35:16
Woodrow
35:16
Wilson
35:17
and
35:17
it
35:17
gave
35:18
them
35:18
great
35:18
joy
35:18
to
35:18
torture
35:19
him.
35:20
Alice
35:20
Paul,
35:21
who
35:21
authored
35:22
the
35:22
Equal
35:22
rights
35:23
amendment
35:24
in
35:24
1923,
35:25
did
35:26
not
35:26
live
35:26
to
35:26
see
35:26
it
35:27
passed.
35:27
And
35:27
we
35:28
are
35:28
still
35:29
trying
35:29
to
35:29
get
35:29
it
35:30
on
35:30
the
35:30
books,
35:31
so
35:31
to
35:31
speak,
35:31
even
35:32
though
35:32
it's
35:32
ratified.
35:33
But
35:33
what
35:34
a
35:34
disservice
35:36
men
35:37
and
35:38
women
35:38
who
35:38
spoke
35:39
against
35:39
it
35:39
have
35:40
done
35:41
to
35:42
everyone.
35:43
Because
35:44
if
35:45
we
35:45
had
35:45
had
35:46
an
35:46
infrastructure
35:47
that
35:48
ensured
35:49
pay
35:49
parity,
35:51
we
35:51
would
35:51
have
35:51
more
35:51
men,
35:52
teachers,
35:52
and
35:53
young
35:53
boys
35:54
who
35:54
are
35:54
in
35:54
crisis
35:55
would
35:55
have
35:56
better
35:56
male
35:56
role
35:57
models
35:58
if
35:58
we
35:59
had
35:59
healthcare
36:00
research
36:00
parity
36:01
earlier.
36:02
And
36:02
I
36:02
know
36:02
that
36:02
There
36:02
was
36:02
an
36:03
NIH
36:03
bill
36:03
passed
36:04
in
36:04
1993,
36:05
but
36:05
if
36:05
we
36:05
had
36:06
had
36:06
that
36:07
earlier,
36:08
we
36:09
would
36:09
have
36:09
much
36:09
less
36:10
of
36:10
a
36:10
health
36:10
crisis
36:12
than
36:12
we
36:12
are
36:13
having.
36:14
And
36:15
our
36:15
healthcare
36:16
system
36:16
would
36:17
be
36:17
in
36:17
better
36:18
shape,
36:18
not
36:18
just
36:19
for
36:19
women,
36:19
but
36:19
for
36:20
men
36:20
too.
36:21
We
36:21
have
36:21
a
36:21
caregiving
36:22
crisis
36:23
because
36:23
women
36:24
are
36:24
not
36:24
in
36:24
a
36:25
position
36:25
to
36:25
care
36:26
for
36:26
men.
36:27
And
36:27
frankly,
36:28
they've
36:28
done
36:28
it
36:28
because
36:28
they
36:29
voted
36:29
against
36:29
their
36:29
own
36:30
interests.
36:30
I
36:30
always
36:31
feel
36:31
I
36:31
should
36:31
not
36:32
take
36:32
back
36:33
my
36:33
power.
36:34
I
36:34
need
36:34
to
36:34
be
36:34
unabashedly
36:35
visible.
36:36
I
36:36
feel
36:36
like
36:37
I
36:37
should
36:37
apologize
36:38
a
36:38
little
36:38
for
36:39
putting
36:39
on
36:39
that
36:40
feminist
36:40
hat.
36:41
But
36:41
I
36:41
think
36:42
that
36:43
we've
36:43
been
36:44
coerced
36:45
to
36:45
believe
36:45
that
36:46
these
36:46
are
36:46
not
36:46
pro
36:47
business
36:47
policies.
36:48
And
36:48
universal
36:49
healthcare,
36:49
universal
36:50
daycare,
36:50
universal
36:51
elder
36:51
care,
36:52
these
36:52
are
36:52
actually
36:52
all
36:53
pro
36:53
business
36:54
policies.
36:54
They
36:55
grow
36:55
the
36:55
economy.
36:56
In
36:57
my
36:57
healthcare
36:57
company,
36:58
one
36:58
of
36:58
my
36:58
primary
36:59
concerns
36:59
was
37:00
childcare
37:01
for
37:02
my
37:02
nurses.
37:02
Most
37:03
of
37:03
my
37:03
nurses
37:03
were
37:04
women
37:04
and
37:05
many
37:05
of
37:05
them
37:05
have
37:06
children.
37:06
If
37:06
you
37:06
have
37:07
a
37:07
child
37:07
that's
37:07
sick,
37:07
you're
37:08
not
37:08
going
37:08
to
37:08
work
37:08
from
37:09
a
37:09
business
37:09
perspective.
37:10
You're
37:10
not
37:10
filling
37:10
hours,
37:11
you're
37:11
not
37:11
generating
37:11
revenue.
37:12
Though
37:13
we've
37:13
been
37:13
sold
37:13
a
37:13
little
37:13
bit
37:14
of
37:14
a
37:14
bill
37:14
of
37:14
goods,
37:15
need
37:15
to
37:15
go
37:16
into
37:16
why.
37:17
But
37:17
to
37:17
bring
37:17
it
37:18
back
37:18
to
37:18
suffs
37:19
and
37:19
Doris
37:20
Stevens.
37:21
This
37:21
is
37:21
a
37:22
story
37:22
that
37:22
needs
37:23
to
37:23
be
37:23
told
37:24
because
37:25
history
37:26
is
37:26
written
37:27
by
37:27
the
37:27
winners.
37:28
We
37:29
are
37:29
in
37:29
the
37:29
process
37:30
of,
37:31
as
37:31
Lin
37:31
Manuel
37:32
Miranda
37:32
said,
37:33
writing
37:33
ourselves
37:34
back
37:34
into
37:35
the
37:35
story.
37:36
We
37:36
need
37:36
to
37:36
write
37:37
ourselves
37:37
back
37:37
into
37:37
the
37:38
story.
37:39
I
37:39
love
37:39
that.
37:40
That
37:41
makes
37:41
so
37:41
much
37:42
sense
37:42
for
37:42
us
37:43
to
37:43
think
37:43
of
37:43
ourselves
37:44
as
37:44
the
37:44
heroes
37:45
and
37:45
to
37:45
write
37:46
ourselves
37:46
into
37:46
the
37:46
story,
37:47
wherever
37:47
we
37:47
are.
37:48
Let's
37:49
transition
37:49
to
37:50
our
37:50
fast
37:50
fire
37:51
round
37:51
where
37:52
I'll
37:52
give
37:52
you
37:52
five
37:52
questions
37:53
to
37:53
answer
37:54
in
37:54
five
37:54
words
37:54
or
37:55
less.
37:55
So
37:56
what's
37:56
a
37:56
word
37:57
that
37:57
describes
37:58
how
37:58
you
37:59
want
37:59
women
38:00
to
38:00
feel
38:01
about
38:02
money?
38:04
Confident.
38:06
What's
38:07
your
38:07
personal
38:08
definition
38:09
of
38:10
freedom?
38:13
Doing
38:13
what
38:13
I
38:14
want
38:14
with
38:14
my
38:14
168
38:15
hours
38:16
a
38:16
week.
38:17
Beautiful.
38:18
What's
38:19
a
38:19
belief
38:19
about
38:20
aging?
38:21
You
38:21
are
38:22
here
38:22
to
38:22
destroy.
38:24
You
38:24
have
38:25
far
38:25
more
38:25
Runway
38:25
than
38:26
you
38:26
think.
38:27
You
38:27
said
38:28
you
38:28
got
38:28
a
38:29
747's
38:30
worth
38:30
of
38:30
Runway
38:31
there.
38:33
Awesome.
38:34
So
38:34
what's
38:34
your
38:34
superpower
38:36
as
38:36
a
38:36
woman
38:37
of
38:37
a
38:37
certain
38:38
agency?
38:40
I
38:41
am
38:41
no
38:41
longer
38:42
burdened
38:43
by
38:44
whether
38:44
or
38:44
not
38:45
anyone
38:45
finds
38:46
me
38:46
intimidating.
38:48
All
38:48
five
38:48
feet
38:48
of
38:49
me.
38:49
I
38:49
am
38:49
no
38:49
longer
38:50
burdened
38:50
by
38:51
anyone
38:51
finding
38:52
me
38:52
intimidating.
38:53
What's
38:54
one
38:55
thing
38:55
women
38:56
over
38:57
50
38:57
bring
38:58
to
38:58
business
38:59
that
38:59
the
38:59
world
39:00
desperately
39:01
needs
39:01
more
39:01
of?
39:03
Practicality.
39:04
Practicality.
39:05
By
39:05
the
39:05
time
39:05
you're
39:06
in
39:06
your
39:06
50s,
39:07
you
39:07
can
39:08
solve
39:08
problems
39:09
far
39:10
quicker
39:10
and
39:11
better
39:11
than
39:11
young
39:11
people
39:12
in
39:12
the
39:12
manner
39:14
for
39:15
sure.
39:15
Easier.
39:16
Practicality.
39:17
Practicality.
39:18
How
39:19
can
39:19
our
39:19
listeners
39:20
learn
39:20
more
39:21
about
39:21
you
39:22
and
39:22
tap
39:22
into
39:22
your
39:23
wisdom?
39:23
Sheri,
39:25
you
39:25
can
39:25
find
39:26
me@madrinamali.com
39:28
I
39:29
publish
39:29
a
39:29
substack.
39:30
I
39:31
have
39:31
of
39:31
course
39:32
the
39:32
membership.
39:32
You
39:32
can
39:33
read
39:33
all
39:33
about
39:33
it
39:33
there.
39:34
I
39:34
didn't.
39:35
There.
39:35
It's
39:35
worth
39:36
every
39:36
single
39:36
penny
39:37
and
39:37
it's
39:37
not
39:37
a
39:37
lot
39:37
of
39:37
pennies.
39:38
Thank
39:38
you
39:39
for
39:39
saying
39:39
that.
39:40
I'm
39:40
in
39:41
2026
39:41
planning
39:42
my
39:42
masterclasses
39:43
and
39:43
they
39:43
are
39:44
free
39:44
to
39:44
members.
39:45
They
39:45
only
39:45
have
39:45
a
39:45
cost
39:46
to
39:46
non
39:46
members.
39:47
So
39:48
depending
39:48
upon,
39:48
you
39:49
know
39:49
what
39:49
you're
39:49
looking
39:50
for,
39:50
obviously
39:51
I
39:51
take
39:51
my
39:52
input
39:52
from
39:53
the
39:53
membership
39:54
and
39:54
I
39:54
am
39:54
going
39:54
to
39:55
give
39:55
a
39:55
masterclass
39:56
in
39:56
January
39:57
that
39:58
has
39:58
gotten
39:59
a
39:59
lot
39:59
of
39:59
a
40:00
lot
40:00
of
40:00
good
40:00
press
40:01
the
40:01
last
40:01
time
40:02
I
40:02
gave
40:02
it.
40:02
And
40:02
that's
40:03
how
40:03
to
40:03
prepare
40:03
for
40:04
a
40:04
down
40:04
market.
40:05
All
40:06
markets
40:06
present
40:07
opportunities.
40:08
And
40:08
yet
40:09
we
40:09
insist
40:09
upon
40:10
freaking
40:10
out
40:11
because
40:11
the
40:12
press
40:12
tells
40:12
us
40:12
to
40:13
freak
40:13
out.
40:13
Well,
40:14
how
40:14
about
40:14
we
40:14
don't
40:15
freak
40:15
out?
40:16
How
40:16
about
40:16
we
40:17
see
40:17
the
40:17
opportunity
40:18
and
40:19
plan
40:19
to
40:20
take
40:20
advantage
40:21
of
40:21
it
40:22
while
40:22
the
40:22
press
40:22
is
40:23
running
40:23
around
40:23
with
40:23
their
40:23
hair
40:24
on
40:24
fire
40:24
topics
40:25
as
40:25
requested
40:26
by
40:26
the
40:26
membership.
40:27
And
40:27
there's
40:28
joy
40:28
in
40:29
entering
40:29
the
40:30
teaching
40:30
part
40:31
of
40:31
my
40:31
career,
40:32
although
40:32
I
40:32
always
40:33
thought
40:33
that
40:34
I
40:34
was
40:34
a
40:34
teacher.
40:35
And
40:35
you
40:36
know
40:36
what
40:36
I
40:36
learn
40:37
as
40:38
well.
40:38
And
40:38
I
40:38
learn
40:38
from
40:39
you,
40:39
Coco.
40:39
And
40:40
I
40:40
learn
40:40
from
40:40
all
40:41
of
40:41
the
40:41
women
40:41
who
40:42
are
40:42
part
40:42
of
40:42
how
40:43
women
40:43
lead.
40:44
Thank
40:44
you,
40:44
Sheri.
40:45
Thank
40:45
you
40:45
for
40:45
joining
40:46
us
40:46
today
40:46
on
40:46
the
40:47
Wisdom
40:47
of
40:47
Women
40:47
show.
40:48
Thank
40:48
you
40:48
for
40:49
giving
40:49
us
40:50
access
40:51
to
40:51
your
40:52
wisdom
40:52
and
40:53
opportunities
40:54
for
40:54
for
40:54
growth
40:56
and
40:56
for
40:56
all
40:56
of
40:56
our
40:57
world
40:57
changing
40:57
listeners.
40:58
Be
40:58
sure
40:58
to
40:59
follow
40:59
like
41:00
and
41:00
share
41:01
the
41:01
wisdom
41:01
of
41:01
women.
41:02
Show
41:03
your
41:03
favorite
41:03
listening
41:04
or
41:04
viewing
41:04
platform
41:05
to
41:05
infuse
41:06
more
41:06
wisdom
41:07
into
41:07
your
41:08
business.
41:08
Be
41:09
sure
41:09
to
41:10
take
41:10
the
41:10
growth
41:10
readiness
41:11
quiz
41:11
at
41:11
a
41:12
ForceForGood
41:12
biz
41:13
quiz
41:14
and
41:15
uncover
41:16
where
41:16
your
41:17
insight
41:17
is
41:18
needed
41:18
most.
41:19
The
41:19
world
41:20
is
41:21
made
41:21
better
41:21
by
41:22
women
41:22
led
41:22
business.
41:23
So
41:24
let's
41:24
go
41:24
make
41:25
the
41:25
world
41:26
a
41:26
better
41:26
place.