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How Moms Can Build Generational Wealth with Viviana Cordon · The Mami Collective

• Paulina: Welcome to the Mommy Collective. I'm Paulina Rowe, radio host, TV contributor, writer, and mom of one. This is where ambitious moms come to keep their identity intact while navigating motherhood. Here we talk about the real stuff: career, money, relationships, identity, and everything that gets messy in between. You won't find sugarcoating or cliches. What you will find are unfiltered conversations, real resources, and proof that you don't have to lose yourself to be a good mom. The Mommy Collective is here to remind you you can be ambitious, you can take up space, and you can thrive in motherhood and in everything else that makes you you. Before we get into the episode, make sure you're following the Mommy Collective on Facebook, TikTok, and Instagram. And share this podcast with a mommy in your life who needs a little inspiration or just a reminder that she's killing it. Also, don't forget to sign up for our newsletter and leave us a review so We can keep showing up and reach every ambitious mom out there doing big things. Let's get into it. Hello, it's Paulina here, another episode of Mommy Collective, and I am so excited for my guest today. Love to introduce to you Viviana Cordone. How are you? Good. How are you today? I am so good. Thank you for joining us. Thank you for coming on the pod. Viviana, do you want me to go by Viv or Viviana? I should have totally asked that earlier. ⁓ Viv is fine. I think I like it more. Like your more okay, I love I love Vib. Viv, thank you for coming on. So first things first, do you mind kind of giving us a little bit of a background about yourself? You are a mom, you are a financial planner. I know you're like in the finance world, which I think is like gonna be very important today when it comes to our discussion of motherhood finances, helping set yourself up and your kids, of course. But give us a little bit of a background about yourself. Definitely. Thank you so much for having me here, first of all. Mama four. I started at a young age having kids, which is okay. So my oldest is twenty four, my little one is eight years old. I went to school to actually become a teacher. So early childhood education background. ⁓ been an entrepreneur actually for twenty years. My husband and I, we run two businesses together. We're general contractors and my baby is the financing. When it comes to financing I love doing it 'cause it's teaching as well, kind of the field that I went to for many years and then I'm teaching Parents, ⁓ teaching adults and teaching grandparents, teaching the community the importance of like you said it like doing something for ourselves but also leaving that legacy for our kids. Very, very important too, by the way. And I kinda love that you threw in grandparents. That's something that I never would have thought of, to be honest. It's part of the tree, you know? Yeah, because it it starts from the parents. Like it or not, it starts from our our parents. Whatever our parents learned, they give it to us, right? So it's a generational Habits, good habits and bad habits, right? So we always want to make sure that we get the most good habits of our grandparents. Yeah. No, absolutely. I think that's awesome. I honestly would have never thought of that, but no, I think that's super important. So kind of give us your background about, you know, becoming a mom, you know, what kind of was your life back then? Like do you feel like you were as prepared financially? And did you know what you know now? when you had your first, right, compared to like your fourth or just even today. No, I actually financially was not ready. So a little bit of a little bit more depth about me is that I was married at the age of sixteen. A lot of people get surprised. How did you get married? Well you need your parents to sign right the certificate at the City Hall of Chicago. My parents did that for me. Married an amazing husband to be honest with you. Been with him for twenty four years. This year we'll be twenty six years together as a couple. Congrats. ⁓ thank you. But it's been a struggle when we first started. We first didn't know anything about finance. He knew a little bit already, 'cause he's older than me. But it's still something that we created together a platform that we can say we n what we know now, we didn't know it twenty four years ago when we were got married, first of all. They used to call us the couple of just budgeting. A cu ⁓ here comes a couple of budgeting because we had that thing. If it's not in my budget, I can't do this. If it's not so He started implementing that since we started together, like, hey, we're gonna sit down, we're gonna start budgeting, you gotta learn this. And he you can say he was my first teacher at the beginning. But then I learned that's how life is. If you don't learn how to budget things in life, it's you know, you're always living on the go. You're just swiping that card or you're now you're just tapping your phone to get to places, right? So what I learned nowadays, I wished I shouldn't learn it when I was younger, to be honest with you. ⁓ I'm sure. But you can't get mad at what you didn't know perhaps at the time, you know. And I love that today you are able to not only like help yourself and your family and your kids, but like us, the listeners and other people that you work with, you know. So talk about your two businesses. You said you're a general contractor with your husband and then you also do the finance side and the you're also doing the finance stuff too as well on your end. So I'm curious sort of how both came to be. Like how did you guys wake up and decide, okay, like we're going to start a business together? And then how did you decide I'm gonna venture off too and do this on my own? The reason why that happened was because one, my sister was twenty four years old when she actually became a widow. And yeah, so that also triggered me, you can say, as a mom, I was a mom still of two when that happened. So it kind of threw me off, like, okay, what is it out there that I can actually help families, right? That came in mind at the age of twenty, twenty one when that happened. When I saw the need in my husband in the construction is when I actually corporate fired me. Which it was good. It was fine to be honest with you. Corporate fired me, but the job that I was doing as in a corporate that was administrative assistant for the CEO was the same job you can say that I shouldn't have done from my business as well. So that's what called my attention. It's like I was seeing my husband stay late at three, four o'clock in the morning, still get up at five get up at six, seven in the morning. To go to the field checking the guys and he was doing all the paperwork. Everything from budgeting to the QuickBooks to all the bookkeeping and all of that. When I saw that need, especially as a mom and as a wife, as you can say your right hand, I saw the need. And then I'm like, okay, let me see how I can help him. And that's where I started like finding out more how to become a certified bookkeeper. The finances started giving me that attention of, okay, if bookkeeping is It's not as easy as people think it is, to be honest with you. But it's something that I started seeing like, ⁓ it makes sense why he was talking about so much about budgeting. ⁓ it makes sense why to be in a book. ⁓ it makes sense why I should start creating wealth. It makes sense how I can actually get this for my kids when they come get older. If they decide to stay with the business, everything's already online for them. They don't have to do anything but just go look for leads. That's about it. Right. Right? Wow. Uhhuh. So it's just ⁓ that's what called my attention. And then when I got to where I'm at now in the field that I'm in the financing, it was just because we actually saw it in one of our contracting companies that we did was that we built a house for a couple. It was about a year after we built it, we were done. And the lady calls my husband and she's like we met her and she's like, I need to talk to you guys. Something happened to my husband six months ago and David's like, What happened? He's like, He passed away. And they had a baby. The baby was only six. And she's like, I don't know what to do. I'm gonna lose my dream home. What is it that I can do out there that can help me? And we asked her the question that he had any play standing or any anything that can actually help you to save your home. He said, No, nobody educated us on what we can do with this home. Nobody sat down with me on financing. Yes, we build a home. We budget everything, but nobody ever told me if something unexpected happened to my husband, what would I be at? Now I have to sell my house and I have to downgrade everything and I have to move out of the state because Chicago for me as a single mom is too expensive. So she ended up selling the house. We took the last tour from her house because we had to do a video. At the end we edited the video. It's a beautiful home right here in Addison and Cicero. You'll see a buy, it's a white house. You'll see your buy when you walk. Right when you drive by an Addison, you'll see it. And it's the only White House there. And it was just that made us make more sense why to get into the financing. If that's one family that we should have knew about what we know now about financing, especially, you know, creating that what would happen if it happens, when it happens, how can I help them? Yeah, no, absolutely. So for those listening, right, who might be also like me where they're afraid of I mean we're all afraid of things happening, you know, but unfortunately like kind of like life life's and you can never predict the situation that you're gonna be in, right? Or what's going to happen, which is so hard and it's really unfortunate. So like my heart does break, you know, for her and other people who have experienced that 'cause it's so real until like just 'cause it hasn't happened to you, you know, hopefully it's not doesn't mean it's not real or it doesn't happen. So I want you to give us sort of a crash course, right? So like if I, you know, I'm me, I'm Paulina and I'm coming to UV and I'm like, okay, I want to educate myself, set myself up. I have, you know, I'm a mom of one, she's two years old. Give us a little bit of a crash course. And I know it might be people's circumstances might be different, right? But what would you kind of tell me as your client or as someone that you're trying to work with and help, just sort of like, what can I do to set myself up? Right. So as moms, 'cause a lot of moms listen to the podcast, of course, what are some of the most like recommended things that you always tell the ones that you work with? Definitely. I work a lot with moms to be honest with you. So the one question I always ask them is the day that you're no longer here, how do you want your daughter to remember you? Right? It can be emotionally, but also can be in a way that if my mom was here, nothing would happen to me financially, right? What I mean by that is that if you're no longer here with her, how do you want her future to be When she gets married, when she has when she starts having kids, when even when she wants to buy her first house, who's that one person that she could call to if you were no longer here financially for her? Right? Because we a lot of people are scared to say the word and I'm gonna say it. Life insurance, a policy for yourself. People are scared to say that a lot. Right? Why do you feel that? because I think people think that we're trying to put them in a position that we don't want them here in this world. The life we have a myth in Spanish, the Hispanic has a myth that if they purchase a life insurance, you're practically killing them already. Yeah. That is crazy. But to think that like a whole generation or group of people like think that, you know? Yes. So what my husband and I do is in that type of financial literacy. It's helping you structure a wealth that if you're no longer here, even if it's a baby of two weeks or months or years or even like mine that's twenty-four, I know that that they then me and my husband are no longer here financially. They're able to do whatever they decide to do it however they want it. But obviously there's always going to be a lawyer involved with a trust for them to understand where the money has to go to. Right? Because it's one thing is just structuring a plan and one thing is actually sitting down with the individuals and letting them know that no matter what happens to you, How do you want your family to remember you at the end? What is that one memory you want them to have from you that for many, many years you can say because of D D Paulina did this because I did this for her? How do you want your family to remember you at the end? It's the ultimate question I always ask them. How do you want them to remember you? Absolutely. Okay. And what about for those who are not married, right? If I'm a mom but I'm not married. How do I guess legally kind of set things up with my partner or spouse? Is that an option? Do we have to be married for me to or for that person to like be on the policy? G God forbid, right, I pass away or like my I'm just speaking for moms who are not married, my boyfriend, partner, whoever, right? The father of my child, like, how do you kind of get that stuff set up w if we're not legally married? Is this the same thing? So with the parents that are not usually married, according to what's going on now that things have changed now, that if you've been with that person and they live together over ten years, now it considers that's more like a marriage now, right? Let's so let's say but they only have been together for five years, God forbid the lady or the ha or the guy passes away, the way that we do it is whoever's on that legal documentation for beneficiary, that's the person who's gonna actually receive that amount. If the child is under the age of eighteen and he's a father or she's the mother, their obligation is to help that child until they're financially they are financially in independence. Right? But it usually everything that we do, we sit down with lawyers, we sit down with people that understand what is it that they want for that money to go. Because there's a lot of ways that people can say, ⁓ but he's just a beneficiary and we're done. No. Now we gotta do state planning. Now we gotta do a will. Now we gotta do a trust. Make sure everything is written just to make sure that everything that you're saying, the day that you're no longer here, they're not asking questions who that not so much where the money's going, what's gonna happen with that kid at the end. Right? Because one thing, another thing is when you leave children under the age of eighteen, who's gonna take care of them at the end? Right? Because if mom and dad and Mom and dad are no longer here. For instance, my husband and I, when we first started the business, we used to travel a lot. We still do. But we traveled a lot when my kids were younger. The ones that are still little, they were younger. So what happened at the end is that I actually did a will and my mom would be the one taking care of my kids if something ever happened to me and my husband were no longer here. Right? Aside of the policies, aside of the policies, I always had my older daughter t have whole benefit. She was already eighteen when I got when ages started changing. She's 18, she gets the full right of all of them. Now that I have her older one, she's 19, I already added her to as well. Because if something happens to me, now they are getting spread. So the older they get, they're everybody's in my policies, but when they're 18 is when they get the full ride. But if my something happens to me legally, I'm not no longer here, my husband, my two younger ones now, my older one has full custody of them. She's 24. Okay. Okay. So what you're speaking of too is you're mentioning like wills, some kind of a stay play. Okay, okay, a trust. So now I want you to sort of dive into the importance of that. Cause it sounds like not only are those important for assets, but it's very important for your own children as well. Correct. It's really important because just the fact like I just gave you Reno Snorri, if something happens to me, I always talk about myself. I'm never gonna tell the client if something happens to them. Reason why is 'cause sometimes people start getting scared too. Right? Especially when you so I always say if something never happens to me and my husband, I always tell you my story. We travel a lot. I need to make sure that my kids, my eleven year old and my eight year old, they need to have someone that's full has full custody of them. Right? If it's not my twenty-four year old that's my daughter, I don't want to give her that responsibility, then we have my mom if she's still here. My mom is sixty-five. So she's still present with us. So she can have full custody of them, right? But at the end When it comes, I don't want my kids to go to probate. I don't want my kids to go through that judge time or anything. No, I just want to make sure they have a smooth sailing time the day that me and my husband are no longer here. Because then it's just going back to everything that's happening with a little bit about Michael Jackson, right? They're still in probate. Years have passed by and they're still in probate. Knowing this information now helps me understand that. Having a will, having a trust, having a stay planning has my kids in a smooth area that they are no longer going through probate, they're not going through court, they're not playing lawyers out of pocket. All I gotta do is make sure that I have those things set up, fixed for them. The day that something happens to me, even if they're older, they're not going through it either. Even if they hit 30, 40 years old and I'm not here, husband's not here, that goes all the way until I'm no longer here. Absolutely. So now this might be super like a very simple question, right, for someone like you. But if like I'm a mom listening and it's the first time that I'm even familiar with anything that you're saying, what's the first step? Where do I go? Like to set up a will, right? To set up the trust and, you know, to l look into life insurance. Where do I physically go if I'm like, all right, let's get started? So when with lawyers is you gotta look we gotta look for a lawyer, right? We have one in one of our one of our events that we do did we have one that I trust as well. And also there's companies like the companies that I represent, there's one company especially for moms or any in general, parents, grandparents, they're looking for somewhere to help them out and get something that it's affordable for them. It comes actually with their policies. This company gives out free wills and free trustes for our clients. Because you're already a client to the company. It's a nonprofit company that gives back to the nonprofits companies as well. So this company has been around for a hundred and ninety-five years. And this company is willing to give their own clients that trust in their will because they know that how important it is to have it ready for the day that comes and you're no longer here and they're looking into all your documents to figure out who's taking what. So this company has your policy. But also has a portal for you to start creating the will and the trust and they guide you with their own lawyers as well. Okay. Good to know. I'm gonna I'll also if you don't mind sharing some of these contacts or these ⁓ websites, we can link them in the show notes for those listening. I think that'll be so helpful for a lot of moms. So I love that. So now when it comes to, you know, teaching your kids financial literacy or just at least like getting their toes wet. What does that look like as a mom? What can we do to sort of start that conversation with our kids? At what age are we doing that? I started since my four-year-old. Nice. She's been four years my student. And honestly, it's really them to capture the understanding that money's not only to spend. So her birthday comes right and she's like, ⁓ I'm gonna I got a hundred dollars from Tia or Tio. Okay. Now let's just spend 10% of it only. $90 goes to the side. And she's why? And I go, because if you spend it all, how much do you have left? She's like, nothing. So with little kids, it's easier to let them understand, even if they're four years old, is just giving them an example. If I gave you five dollars and we go to the store, how much do you actually want to spend? ⁓ I want to spend it all. But then if we go to another store, would you have money to buy what you want? So you're giving them lessons in between the time of that you're out and about with them, especially when they're small. When they start getting older, like my eleven year old, it's easier to sit down with them and actually show them. Especially if they're really into math, is giving them examples. Hey, if I if we have savings account, for instance, my son just had his birthday in May. He collected about, I think it was like $300 on his birthday. He's like, What can I spend it on? And I go, Okay, watch the way you're saying how you can spend it. Think of another word that you can use. He's like, ⁓ how can I invest it? What is it? He's like, What do I need to do to make these three hundred six hundred? And I go, Okay, so let's sit down. So he's like, Okay, so from this from the three hundred, can I purchase a toy? I'm like, ask these and I ask these questions always, Do you need the toy or do you want the toy? Because they're kids. They always want they don't need it. Of course. Right? Right, right. No, I want it. I'm like, okay, so you don't need it. And I go, What is the one thing that you actually need before you hit to school in August? He's like, ⁓ I need gym shoes. I go, Okay. So gym shoes is a priority for you because you still go out and about with your friends right now in the summer. So how much do you think you need to invest in gym shoes? He's like, probably between thirty to sixty dollars. I'm like, Okay, so let's start looking online. Which one do you like? And we start looking what it is. But now that I know what is his goal, I tell him, okay, from the three hundred, don't spend the three hundred on the gym shoes yet. Let's wait. And we're gonna see how much it can ⁓ in the during the week, because he helps me out with some stuff in the house. I give him, hey, if you do this much, I'm gonna give you this much. If you don't do anything, it's like a job. You're not expecting payroll. You're not expecting payments. Some parents can say, I don't like that method, but in reality you're showing them how to start winning not just on the go because let's say you give them my parents used to give us that I forgot what it was it's called, but it's like like a little not a salary, you're like, ⁓ is it was the end of the week and they used to give us like two, three dollars. You're talking about years back. They used to give us right. And we used to spend it on candy or chips when they were twenty five cents. Well, I never created that with my kids. I always show them, hey, everybody has to you always have to earn your money because if you earn it the easy way, it's gonna go away soon too. The way it comes in, the way it goes out too. So I have showed them like you gotta earn it. So obviously I don't make them do like big things, but hey, so we have dogs. So I'm like if you walk the dog, you know, certain days out of the week, you get such much, you know, the ⁓ the I don't give them no more than five dollars to be honest with you. If I give ⁓ more than that, they're gonna see it more like, ⁓ if I do more I get more, yes, but in reality it's it is a job because it's your it's your pets. Right? Mm-hmm. So that's real. It helps out. So now that he doesn't have three hundred, he has aler already close to like think it's like three sixty, three eighty that he has now. Now he's like, okay. And I go, so the more you do, the more you gain. So now we're gonna sit down and we're gonna show him how much he has made already for the past, you can say two weeks after his birthday party, how much he has done. Based on that, is when I tell him, okay, now that you have more, where do you want to invest it? Where do you think it's the right thing you gotta do? But I always ask them the question is like, do you need it or do you want it? I learned that at the age of twenty, twenty one, ⁓ one habit that I had, and I'm being wide open, is that I used to be a shopaholic. Same girl. Same. Right. So I learned, I think it's twenty one, when I learned how to actually shop for things that I actually needed. Mm-hmm. Right? So I learned that since at that age, like, do I need it? Do I want it? No, I want it, but I don't need it. So I don't want it. So I just left it there in the store. But I learned that during the process that I always and I still ask myself that question, because I don't want to be that shopaholic that I used to be years back. Right, especially working in the industry of financing, I don't wanna give that impression of like, Okay, you make good money, go get a Luis Vuitton or go get this. No, it's not so much of what I'm gonna spend. It's like I gotta be the most honest as I can in my financing, like that when I get older, I have enough income coming in for myself. So if you start off with your kids showing them little things in your house, how even how to save the coins and nickels when they're small, when you're picking up the sofa, like mm hmm. Well will throw them in the garbage. I know people think that that's it's not worth money now and I understand that because everything has gone up. Inflation of five nickels is not the same as nineteen ninety. There was a lot for us, right? It's nothing now. But if you show them with small, they're gonna be grateful for when they get bigger. And when they start I completely agree. So Yeah, because they're like teaching like the new habit or the habits, you know, as they grow. Because it's just simple as that. My eight year old, every time she sees a nickel at time in the and you know, people throw ⁓ when they're in the parking lot, she's ⁓ my god, I found a nickel. I'm like, Okay, get it. Like I don't tell her, leave it there, I'm like, no, get it. She's like, Okay, I can put it in my piggy bank. Put in your piggy bank. Because when you show them small little things, they're always gonna be grateful for the smaller or the bigger they get. Having little or ha or having more in a bank account, they doesn't make you better than another person. It just makes you understand that you show them good habits, those good habits. That's why I said that in the beginning. What our parents showed us is what my car my kids are gonna learn. So if I show them good habits, when they get older, they're gonna create that good habits and it's just generation through generation through generation until somebody decides to break that bad habit, that good habit. But if you create that great habit since little, simple as that. When you walk in a house, what do we do? We take off our shoes and put ⁓ on the side. And you put on your sandals from from the house, right? Those are habits that you created amongst your family. So it's the same thing with money. Money is a habit too. The less you spend, it's not that you're being greedy, it's that you're being careful how you spend it. Mm-hmm. That is so true. And it's the same thing with our kids. The sooner you start showing them the good habits of how to start saving money, even if it's their birthday or Christmas. Or Easter, because I know people do the Easter hunting as well. Like those things add up later on during the year. That when something happens and they need to understand how money works, they're gonna understand that if you pile it up at home, it's okay. But when they get older and they understand that they had money since they were little and they turn eighteen and for all their birthdays they didn't spend much, now what did you create it? You created a savings account for them. Yeah, that's no, that's super idea. And that creates that habit for them that, yes, during the time you're the mom, you spend things for them and all that. But what you did for them is create that habit of not spending it when they get older. Like that when they get older, they know how the whys of what to spend and what not to spend when they get older. That is such amazing advice. And I hope that all the moms listening go back like ten minutes or so and re listen to that again because I know it might sound so simple, but and And it might be for some people, but for me, I would never think of like, ⁓ create these habits young. You know, 'cause I'm like, okay, as we get older, we'll figure it out. Like, yeah, we will, but why like not set up your kids with the mentality? Like that is the biggest gift we can give our children, truly, is the mentality right to to be like just financially smarter than maybe we were, you know. Yeah, definitely. There's a lot of books for kids and there's a lot of books for us too. Financial one on one. Financial literacy one on one. There's books like that. Just on Pinterest, to be honest with you, has a lot of budgeting things for kids for them to start understanding how financial works for them. And like I'm telling you, the simplest one that I did with my younger one when she was four was that. Like letting her understand that when she goes to the store is not what she wants, it's what she needs. And giving her an example if I give you five dollars and we spend it all now, how much would you have if we go to another store? She won't have anything. She'll spend it all. So if you talk If you spend a dollar now, how much you have left? You're showing her math without letting them know at four years old, and you're showing them savings without them letting them know. Because if she tells me, No, save the four dollars for to ⁓ for next week, she'll have four dollars for next week to spend. Right. Yeah, no, it's very true. Yeah. What do you think is the number one mistake that you see moms or f you know families kind of make When it comes to finances with their kids, what do you think is the number one like mistake that you might see, whether it's about talking to the kids, right? Or s helping set them up with opening an account, whatever it might be, what do you think is like maybe the number one mistake? Not talking about financing at all. Mm. Okay. One thing is telling your kids that you're going through a financial hardship moment, right? Mm-hmm. That's obviously that stays indoors with you and your couple or you as a mom, right? But one thing is not talking about it at all. Thinking that the world is perfect and the finance and it's not. I learned it. I learned it at 17 years old. I learned it at 18 years old. I thought it was perfect until like we hit bottom. We didn't have savings. I was 16. I had no savings. I got married. I left my house. I had no job. I was in high school. So where was I gonna get money from if I wasn't working? Right. Right. So it's because my parents thought that it was good not to talk about savings, not to talk about financing, not talk about this, not how to budgeting. So it's a mistake that we do as parents not talking to our kids at all about financing. And it can be really simple things. It doesn't have to be telling them how much you have in debt, no, or how much you pay on mortgage or how much you pay in light. It's just simple as little things that hey guys, this week Our budget is gonna be if we guys want to go to the movies, our budget is only to spend fifty dollars. What day do you guys want to go? You guys wanna go on a Tuesday that is five dollars a movie, or do you guys want to go on a Friday that is thirteen dollars a person or twenty two now? Uh-huh. So it's those little things that you start making them think, ⁓ if we go Tuesday, mom will save so much money. Because it's there. 'Cause I know it is. Tuesdays is usually like the last expensive day to go to a movie with kids. There you go. Mm-hmm. So there's a lot of things that during the time that I've been in this industry that I have learned not yes, help the community, but also it helps help me with my kids a lot, to be honest with you. Letting them know that to talk about financing when it we're around the table, it's okay. It doesn't hurt you. Like my oldest daughter, how are you been? How's work? Right? Simple as that, are you okay financially? And then and she's like, ⁓ and I go, No. What do you need? What's going on? Stuff like that. Why? Because they're in that phase that they're twenty four. And what happens when you're at that age? You wanna go out on your friends, you wanna party, you wanna do this. It's you know, it's real. But we still but we still tell her, just make sure it's in your budget shape. Just make sure that you're you're budgeting these things, right? Because It just makes sense for you to budget. So it's the same thing with our kids right now. Even if you don't want them to know everything about your financing, but if you can show them, hey, this week we're gonna do this X, Y, and Z, I want you guys to know what we're gonna do as a family because I want you guys to understand that we need to budget this in our as a family. These guys are gonna eat out, just an example, 'cause we s that I remember from my parents. We used to eat out only once a week 'cause we was a family of six. We sweet out Sundays when my dad was off from work, right? So I knew my mom probably budget, but she never told us what was the budget. And now you can tell you guys wanna eat seafood, you guys wanna go eat tacos, you guys wanna go eat Puerto Rican food. What is it you guys wanna eat? Mom needs to understand and dad needs to understand that even that, going out to eat, needs to be in your budget. Because everything Absolutely. family of six right now, when we go out, it's close to three hundred dollars. Yeah, easily. Easily. Then you know, so it's like a family of four, it's between a hundred and fifty to one eighty to go out. So all of that, a lot of people don't want to budget, but you gotta learn how to budget. If you learn how to budget, you can show those little tricks to your not tricks, you can show these new habits to your kids. Even if you guys are on the table sitting down, hey we're gonna go out as a family, we're gonna do this much Start showing them now because then when they get older, they're gonna come to you and they're gonna ask you why you never showed them. That's so real. That don't think it won't happen 'cause it will. So many things. Yeah, I tell my mom like I'm like I love you, Ma, but like why did we not talk about that? no, that is so real. ⁓ well, thank you for sharing all of that. I feel like I've learned so much just like literally chatting with you. And it might again might seem so simple to some, but I think a lot of times we do forget as simple as budgeting and teaching our kids and using these co using these words, ones even that you're using, like, you know, do you need it, do you want it? Such a difference, and it makes such a difference when you ask your four-year-olds because when your four when your four-year-old's gonna be twenty-four, they're going to remember that. And those habits are so important. So Before we go, I'm gonna make sure to link down everything below as well. But where can people work with you if they wanna reach out or if you know you if they just have any questions and they wanna just say hi? Where can we do that? What's your Instagram, any website, where could we do that? So my Instagram is my first name, Viviana, and then G Cordon. You can find me on Instagram. You can directly message me there as well. Or I can just give you all my cell phone as well. You can text me right away. If I don't answer because I don't know your number, text me right away. Cause it's easier for me to respond a text message than answer your phone calls because I don't know who's calling me. Especially with all these spam going out, right? So I had four right now when we like we're talking. I was like off off off. Yes. So you can reach me directly to my cell phone. It's the area code is seven seven three seven three three two four five three. Just send me a text message. Every information that I give out, my financial education is for free, to be honest with you. I have things that I can give you out for free when it comes to budgeting, when it comes to courses that you're looking for, how to talk to my kids. I have all of that information. You know, ⁓ you guys can have it for free. Anything that comes with Paulina, her people, they can get it for free for me. You're awesome. Thank you, Viv. You are the absolute best. We appreciate you being here today with us. Thank you so much, Paulina, for your time.