Latest / Rock My Finances / The Secret No One Tells You About Money in Your 20s (Your Beliefs, Habits & Identity)

Transcript

The Secret No One Tells You About Money in Your 20s (Your Beliefs, Habits & Identity) · Rock My Finances

0:00
Speaker 1: Investment advisory and financial planning services are offered through Simplicity
0:03
Speaker 1: Wealth LLC and SEC Registered Investment Advisor. SEC registration does
0:09
Speaker 1: not constitute nor endoorse of the firm known, does it
0:11
Speaker 1: indicate that the advisor has attained a particular level of
0:14
Speaker 1: skill nor ability. Investing involves risk of loss. Insurance, consulting
0:19
Speaker 1: and education services offered through Diamond Life Planning is a
0:22
Speaker 1: separate and unaffiliated entity from Simplicity Wealth. This information is
0:26
Speaker 1: provided as a general information as not intended to be
0:28
Speaker 1: specific financial guidance. Before you make any decisions regarding your
0:32
Speaker 1: personal financial situation, you should consult a financial or tax
0:35
Speaker 1: professional to discuss your individual circumstances and objective.
0:40
Speaker 2: Welcome to the Rock My Finances show on k for
0:42
Speaker 2: HD Radio and Talk for TV, where we put the
0:45
Speaker 2: fund in finance. Join Powerhouse Jeffer Jos CDFA CMC and
0:51
Speaker 2: private wealth advisor as she collaborates with you to create clarity,
0:56
Speaker 2: control and companies with your money, your way. It's not
1:00
Speaker 2: about the zeros, So what is it all about? Let's
1:03
Speaker 2: find out. Now. Here's your host and weekly friend, Jennifer Jose.
1:10
Speaker 1: Welcome back, y'all. We're going to dive in today. This
1:12
Speaker 1: is kind of a part two. We just completed one
1:15
Speaker 1: episode that that's called What No One Tells You About
1:18
Speaker 1: Money in your Twenties. This one is about the secret
1:22
Speaker 1: No One tells You. So we're going to get a
1:24
Speaker 1: little bit into the emotion side of things with our beliefs,
1:28
Speaker 1: our habits, and our identity. So this is really fun.
1:32
Speaker 1: We do need to know our numbers, and we need
1:34
Speaker 1: to track our spending, and we need to create a
1:37
Speaker 1: plan like I talked about in the last episode, but
1:40
Speaker 1: this one's going to talk more about your behavior, your beliefs,
1:43
Speaker 1: and your relationship with money. And that's the bottom line.
1:47
Speaker 1: We all have a relationship with money, and that's just
1:50
Speaker 1: why not talked about out there in the financial world.
1:52
Speaker 1: So we want to make sure that you have your
1:55
Speaker 1: best system that fits you, and we want to make
1:58
Speaker 1: sure that your mindset is aligned with who you want
2:01
Speaker 1: to become, and then that way you're not going to
2:03
Speaker 1: get stuck. So when you're in your twenties, you're just
2:06
Speaker 1: starting out, and you're not starting from zero. You're actually
2:10
Speaker 1: starting from your childhood beliefs around money. That's where you
2:14
Speaker 1: attained them. It's from what you saw what you heard
2:17
Speaker 1: how money was handled in the household when you were
2:20
Speaker 1: growing up, or maybe even not handled and not looked
2:23
Speaker 1: at and not talked about, or maybe even fought over right,
2:27
Speaker 1: maybe even parents divorced over money, and maybe you took
2:30
Speaker 1: all that on as it was your fault because maybe
2:33
Speaker 1: they talked about kids costing so much money. There's so
2:37
Speaker 1: many traumas and beliefs and things that come out of
2:40
Speaker 1: just be absorbing, just absorbing the words around you in
2:44
Speaker 1: our childhood. So most of us don't even realize what
2:47
Speaker 1: we'd care that we are absolutely carrying that into our adulthood.
2:50
Speaker 1: So the first step is awareness. We're going to start there.
2:53
Speaker 1: Ask yourself, what did I learn about money growing up?
2:59
Speaker 1: Was it good? Bad? Was it anything at all? What
3:02
Speaker 1: was it? Was it stressful? Was money stressful when I
3:06
Speaker 1: was growing up in my childhood? Was it? It could
3:10
Speaker 1: be as simple as watching one of your parents write
3:12
Speaker 1: their monthly bills and you know, them putting their head down,
3:17
Speaker 1: their hands on their forehead or something, and they just
3:19
Speaker 1: looked stressed. And then when so then you could absorb
3:22
Speaker 1: that as when I do my monthly bills, I'm going
3:25
Speaker 1: to be stressed or that creates stress so you don't
3:27
Speaker 1: do your bills that way. There's so many little things
3:30
Speaker 1: that children absorb and then we turn it into a
3:33
Speaker 1: belief or a fact that is actually not a fact
3:37
Speaker 1: or doesn't have to be your fact. Was money just
3:40
Speaker 1: completely avoided? Did you even talk about the topic? Was
3:44
Speaker 1: it very constricted? Not that much? We can't no, sorry,
3:49
Speaker 1: I can't afford that. No, sorry, I can't afford that. No, no, no, right?
3:52
Speaker 1: Or was it sure? Here you go? Sure, here you go?
3:55
Speaker 1: Did you feel like you were wealthier than you were?
3:57
Speaker 1: I don't know, let's check it out. Did it feel
4:00
Speaker 1: very controlling? Does it feel here is your three dollars
4:03
Speaker 1: two dollars and fifty cents for lunch? Show me that
4:06
Speaker 1: you got it when you got back, you know? Was
4:08
Speaker 1: it just not you didn't handle it at all? Like
4:12
Speaker 1: you didn't It was always done for you until you
4:14
Speaker 1: actually maybe went to college, or now that you're out
4:18
Speaker 1: on your own, now you're dealing with it all by yourself.
4:20
Speaker 1: Whatever it is, you've likely carried some of that version
4:25
Speaker 1: with you into this life right now. And if you
4:28
Speaker 1: can get a handle on this in your twenties, I
4:31
Speaker 1: am telling you it is a game changer for the
4:33
Speaker 1: rest of your life. Because as a money coach, I
4:35
Speaker 1: am dealing with people in their fifties, sixties, and seventies
4:39
Speaker 1: still dealing with this because they never knew they had
4:41
Speaker 1: a relationship with money. Even in their forties, they're realizing
4:45
Speaker 1: they're not where they want to be. Right. So, if
4:47
Speaker 1: you can get a handle on this early in life,
4:49
Speaker 1: you're going to be that far ahead. The good news
4:51
Speaker 1: is you get to decide how. You get to decide
4:55
Speaker 1: now that you are going to create your own beliefs. Okay,
4:59
Speaker 1: so we're going to decide. You get to decide what
5:02
Speaker 1: kind of life you want to build and how money
5:07
Speaker 1: will support that life. Do you want it to feel
5:10
Speaker 1: abundant or do you want it to just be simple
5:14
Speaker 1: and calm. Do you want to feel free, is a
5:17
Speaker 1: bird to spend whenever you want? Or do you want
5:20
Speaker 1: to feel very supported like you're giving a lot of
5:23
Speaker 1: your time and energy and money to things. You get
5:26
Speaker 1: to be you and so this best version of you
5:29
Speaker 1: that we are going to start creating, this includes your money, right,
5:34
Speaker 1: So we get to start being clear on what actually
5:36
Speaker 1: makes you happy. So one of the most biggest, most
5:41
Speaker 1: most loved exercises in life changing sounds so simple that
5:45
Speaker 1: I tell everyone is write down one hundred things that
5:47
Speaker 1: you love. So go get your money journal. Let's start
5:50
Speaker 1: right away. We're going to write down one hundred things
5:53
Speaker 1: that you love. This is not what you think you
5:56
Speaker 1: should love. This is what actually brings you joy. Okay.
6:00
Speaker 1: So this helps you understand what matters to you, and
6:03
Speaker 1: then we'll start aligning how you're spending your money with
6:06
Speaker 1: the things that you love. This also shows you some
6:09
Speaker 1: of your values. Then we're going to make a list
6:12
Speaker 1: of what you value. Okay, So what art do you
6:14
Speaker 1: think your values are right now? And that could change,
6:17
Speaker 1: of course, right these are all appliable. I have someone
6:20
Speaker 1: that's been going on their one hundred lists. They're over
6:22
Speaker 1: five hundred now, Like, it's great and it changes. We
6:25
Speaker 1: want to just be in that love space. My belief
6:28
Speaker 1: is you cannot be in love and fear at the
6:30
Speaker 1: same time. I much rather you play with your money
6:33
Speaker 1: out of love. So being in that loving spot, playing
6:36
Speaker 1: with your money there, doing your money day, thinking about
6:39
Speaker 1: your money is so much better than being in fear.
6:42
Speaker 1: I don't have enough. I'm not a good savior. I
6:44
Speaker 1: don't know how to do this. This is so overwhelming.
6:46
Speaker 1: I've never done it before. You know. All of that
6:48
Speaker 1: that's fear. And when we're dealing with things in fear,
6:51
Speaker 1: we're going to get more of fear. When we're dealing
6:53
Speaker 1: with things of love, guess what, We're going to get
6:55
Speaker 1: more love. And that's what we all want. Right So,
6:58
Speaker 1: we're going to make a list of your values. We
7:00
Speaker 1: want to make a list of the one hundred things
7:01
Speaker 1: that you love. Then, third, we're going to make a
7:04
Speaker 1: list of all your skills and attributes. Everything you've done great,
7:09
Speaker 1: everything that's good about you, what's good about you? What
7:12
Speaker 1: do you like about yourself? And I have to say
7:17
Speaker 1: I want to just put my arms around everyone that
7:21
Speaker 1: says right now, I don't know. I don't know if
7:23
Speaker 1: I've done anything good. I don't know if I've accomplished
7:25
Speaker 1: anything because you have. And that means that it's not
7:28
Speaker 1: top of mind or forethought. And we want that to
7:31
Speaker 1: be top of mind and forethought. We want that. We
7:33
Speaker 1: want to know that we do well at this, We've
7:36
Speaker 1: done good at this, I've accomplished this. I graduated high school,
7:39
Speaker 1: maybe even graduated college. I've had an amazing, loving relationship
7:43
Speaker 1: for four or five years. I had a great deal.
7:47
Speaker 1: When I bought my last car, I was able to
7:49
Speaker 1: buy my last car. I live on my own. I
7:51
Speaker 1: have my own apartment, or I'm getting up and going
7:54
Speaker 1: to work every day. I don't call in sick like
7:57
Speaker 1: whatever it is. I'm responsible, don't you know, whatever it is.
8:02
Speaker 1: I was in huge credit card debt in college and
8:04
Speaker 1: now I'm not whatever. I You know, I let go
8:08
Speaker 1: of people who don't serve me. So talk the relationships.
8:12
Speaker 1: Maybe you're looking at that in your twenties. All everything,
8:16
Speaker 1: I mean, I even put my hair on there. I
8:18
Speaker 1: freaking love my hair right, and I take care of
8:20
Speaker 1: my hair, so I put that on there. And love
8:23
Speaker 1: my health that I'm you know, I spend a lot
8:26
Speaker 1: of time and energy on making sure that I'm eating
8:28
Speaker 1: right and I'm healthy, and I'm getting exercise. All of
8:31
Speaker 1: that is my skills and attributes. It can be absolutely
8:34
Speaker 1: anything you like about yourself. I seek out knowledge, either
8:39
Speaker 1: friends or professionals, when I need to know something. I
8:42
Speaker 1: know that pain. A professional pays for anything that I
8:46
Speaker 1: might need. Helps because I don't know what I don't know.
8:49
Speaker 1: That's one of the things that I have on my list. Okay,
8:51
Speaker 1: this is where things get real because most most people
8:55
Speaker 1: never really stopped to think about their relationship with money.
8:59
Speaker 1: And so we're going to write a letter to your
9:03
Speaker 1: future self. Who do you want to be in your thirties?
9:07
Speaker 1: Who do you want to be in your forties? Who
9:09
Speaker 1: do you want to be? Your future self to be?
9:12
Speaker 1: I call my future self Star. I love her. She's
9:16
Speaker 1: like a priestess, like she just knows all. She's completely
9:19
Speaker 1: aligned with the universe. All decisions come easily and effortlessly
9:23
Speaker 1: to her. And when she gets down on the dumps
9:26
Speaker 1: or if something negative happens, she knows that is good
9:29
Speaker 1: for her because it's going to show her the positive
9:32
Speaker 1: side of things. Like I love her Star, when she
9:34
Speaker 1: walks into a room, who she's being? She's loving, she's compassionate,
9:38
Speaker 1: she's strong, she's intelligent. She also takes no bull crap right, So,
9:44
Speaker 1: who do you want to be? Who do you want
9:47
Speaker 1: to be when you walk into a room? How do
9:49
Speaker 1: you want to feel? How does money support that version
9:53
Speaker 1: of you? So I've always wanted to be my own
9:56
Speaker 1: business owner, So money supported that. Right. You need to
10:00
Speaker 1: start with the vision so that you can add in
10:02
Speaker 1: from there. I also wanted to have time to exercise.
10:07
Speaker 1: Being a single mom, I'm raising my kids, it was
10:10
Speaker 1: hard for me to even give a crap about exercising,
10:12
Speaker 1: or eating, writer or any of that because I had
10:14
Speaker 1: so much to just. Priorities were just to make money,
10:17
Speaker 1: keep the roof over the head, keep the kids, schedules going,
10:20
Speaker 1: keep everybody alive. Right, So it was very different. So
10:25
Speaker 1: where are you at right now? Are you giving your
10:27
Speaker 1: work and job and career and everything twenty four to
10:30
Speaker 1: seven or are you giving yourself time as well? Who
10:34
Speaker 1: are you showing up to when you go to your
10:37
Speaker 1: job or your business? Are you showing up as one
10:40
Speaker 1: hundred percent yourself or are you faking some of it?
10:42
Speaker 1: Are you slacking? Are you always trying to get around
10:46
Speaker 1: the system and not put in a full day's worth?
10:49
Speaker 1: If you look at it, money knows you. Money is energy,
10:52
Speaker 1: that's all it is. And energy attracts energy. So what
10:56
Speaker 1: kind of person you're being at work and driving to?
11:00
Speaker 1: Are you a crazy road razer? All of that is
11:02
Speaker 1: going to come into your money world. I know it's crazy,
11:06
Speaker 1: but I promise you it will. How we feel about
11:08
Speaker 1: one thing is how we feel about everything. I promise
11:10
Speaker 1: you it will come out. So let's bring this into
11:12
Speaker 1: our actual life. We need structure to support our new mindset.
11:17
Speaker 1: So this is where money dates come in. I want
11:20
Speaker 1: you to schedule money date every week on your calendar
11:22
Speaker 1: at least thirty minutes. We're going to be tracking or spending.
11:26
Speaker 1: This is not about judgment and criticism. This is just
11:30
Speaker 1: about building your relationship with money. So you're going to
11:33
Speaker 1: put it in your calendar. Decide how you're going to
11:35
Speaker 1: do it. I use a spreadsheet. You could do quick books,
11:38
Speaker 1: Excel spreadsheets, Google sheets, whatever you want. I'm sure there's
11:41
Speaker 1: a lot of apps. Or's acorn, there's money this, money that, whatever,
11:44
Speaker 1: there's lots. You get to decide how you want to
11:46
Speaker 1: do it. It's going to bring you joy and it's
11:48
Speaker 1: going to be easy. Right, So as you're reviewing your
11:51
Speaker 1: bank accounts and your credit cards and receipts, whatever you're
11:54
Speaker 1: spending your money on you, we need to keep track
11:56
Speaker 1: of that. We're gonna not avoid it. We're going to
11:59
Speaker 1: fall in love with our numbers and go, oh yeah,
12:01
Speaker 1: I remember that dinner. It was so great, Like my
12:03
Speaker 1: daughter and I just went to Texas. It was so fun.
12:07
Speaker 1: We had we had a good time. We had a
12:08
Speaker 1: great dinner. We had stake freef and a couple drinks
12:12
Speaker 1: and we split the steak free. So we tend to
12:14
Speaker 1: split a lot of our meals, which is great. So
12:18
Speaker 1: looking at that, seeing that on the charge, it wasn't
12:21
Speaker 1: on my charge, saying goodness, but looking at that, we
12:25
Speaker 1: look at that and go, yeah, that was worth that money,
12:27
Speaker 1: right my venmode, so Venmo, Okay, that was worth that meal.
12:31
Speaker 1: That was really good. Pull up your Venmo, pull up
12:33
Speaker 1: your zell app, pull up your cash app, pull up
12:36
Speaker 1: all these things, your PayPal, so that we see where
12:39
Speaker 1: all the money is going. Don't forget that, right, So
12:43
Speaker 1: now we're reviewing everything and we're not avoiding it. So
12:47
Speaker 1: you might want to light a candle or play some music,
12:50
Speaker 1: whatever makes you feel good on your money date. And
12:52
Speaker 1: this should feel something that you're choosing, not something that
12:55
Speaker 1: you're forced to do. You are in a relationship with money,
12:58
Speaker 1: and you're sharing money with this relationship. Now, if you're
13:01
Speaker 1: in a relationship with someone else and it's just not you,
13:05
Speaker 1: they get to do all this as well, right, And
13:07
Speaker 1: so when you are relying on someone else for your say,
13:11
Speaker 1: household expenditures, sometimes it's difficult to talk about money but
13:14
Speaker 1: I can tell you if you're going to be sleeping
13:16
Speaker 1: with somebody and living with somebody and have a roommate
13:18
Speaker 1: or a lover, you want to be able to talk
13:20
Speaker 1: about money too. Just saying the most important thing is
13:23
Speaker 1: it needs to feel good for both of you. It
13:26
Speaker 1: needs to feel equal for each of you. It needs
13:29
Speaker 1: to feel fair. It might not be fair dollars for
13:33
Speaker 1: dollars because one person might make more than the other,
13:35
Speaker 1: but the other one might do more chores or do
13:39
Speaker 1: more errands or something. So it doesn't have to be perfect,
13:42
Speaker 1: but we all need to feel like it's equal. And
13:45
Speaker 1: communication helps your decision making, right, So we need to
13:49
Speaker 1: share maybe goals, share rules, but we also keep our independence.
13:53
Speaker 1: What's ours, what's yours, and what's mine. All that needs
13:57
Speaker 1: to be separate. So have these conversations early on. If
14:01
Speaker 1: income differs with the two people, that's totally fine. There's
14:04
Speaker 1: lots of different things that you can do, do you know,
14:06
Speaker 1: take care of that. Like my last sex husband, he
14:09
Speaker 1: paid for all the dinners out and I paid for
14:12
Speaker 1: all the dinners in. It was just easier that way.
14:14
Speaker 1: Then we all felt we both felt equal. Right, So
14:19
Speaker 1: now we're going to look at our daily habits. Are
14:22
Speaker 1: you ready for that? I know it sounds crazy, but
14:26
Speaker 1: it's not just about money. It's about the respect you
14:29
Speaker 1: have for yourself. So how you show up in your
14:33
Speaker 1: world when you tell yourself something. Let's say like, for
14:37
Speaker 1: right now, my daughter's getting married. I've been trying to
14:39
Speaker 1: keep the weight down because i'm you know, getting my
14:41
Speaker 1: dress fitting and it's been going wonderfully. So if I'm
14:46
Speaker 1: going to tell myself that, you know, I want just
14:48
Speaker 1: that extra five pounds so that I can actually eat
14:51
Speaker 1: in Iceland without worrying about gain in any weight. So
14:55
Speaker 1: if I was to go have a great big piece
14:57
Speaker 1: of chocolate cake, I'm telling myself, I don't respect my boundaries.
15:00
Speaker 1: I don't respect my goals, right, I'm not respecting myself
15:04
Speaker 1: and my future self of who I want to be
15:06
Speaker 1: inside these pictures and feeling how I want to feel
15:09
Speaker 1: throughout the couple weeks there. So when we set something
15:13
Speaker 1: for ourselves, we need to keep it, Like, have respect
15:16
Speaker 1: for yourself, and if you don't, let's find out why that.
15:19
Speaker 1: I can guarantee you comes back to your childhood. You
15:22
Speaker 1: weren't treated with respect, you weren't shown how to respect yourself,
15:25
Speaker 1: So this is where your learning comes in. No matter
15:28
Speaker 1: what comes up here, I promise you can change it.
15:32
Speaker 1: I promise you you might need to hire an amazing
15:35
Speaker 1: money coach, just saying you might need to do some
15:38
Speaker 1: self exploration on yourself, but I promise you this will
15:41
Speaker 1: change your life, change your entire abundance world for the
15:45
Speaker 1: rest of your life. So even starting with something small
15:48
Speaker 1: like making your bed every day, Yes, I make my
15:50
Speaker 1: bed every single day. That builds trust with yourself. When
15:54
Speaker 1: you eat well, or when you tell yourself you're going
15:56
Speaker 1: to eat well and you're not going to have that
15:57
Speaker 1: second helping, or you're not going to be to having
16:00
Speaker 1: the cookies and the sugar and all the stuff that's
16:03
Speaker 1: not good for our body. When we tell ourselves we're
16:05
Speaker 1: going to exercise and walk three times a day or
16:07
Speaker 1: hit the gym or whatever it might be. If I like,
16:11
Speaker 1: my back has been sore, so I didn't actually go
16:14
Speaker 1: play pickaball, But what did I do today? I went
16:16
Speaker 1: to poddies yesterday, last night I went for a walk.
16:19
Speaker 1: So there's lots of changes that we can make. But
16:22
Speaker 1: I'm still respecting my body, respecting myself. Right, I'm telling
16:27
Speaker 1: myself this is important to me. This is a value
16:30
Speaker 1: to me, So it needs to show up. It needs
16:32
Speaker 1: to show up in my activities, my behavior, my beliefs.
16:36
Speaker 1: I do believe that I am important enough to make
16:39
Speaker 1: that a value, absolutely, And when we don't, that's our work,
16:45
Speaker 1: that's all. That's just where we want to focus. Why
16:48
Speaker 1: don't I feel like I'm important enough to speak up
16:52
Speaker 1: at work and ask for a raise. Why don't I
16:54
Speaker 1: feel I'm important enough to have my money date and
16:57
Speaker 1: sit down and look at my money? Why am I
17:00
Speaker 1: feeling so overwhelmed? I have a friend, actually a client
17:04
Speaker 1: that was criticized forever in her childhood. She absolutely has
17:07
Speaker 1: so much trauma looking at her numbers because it feels
17:10
Speaker 1: like all the criticizing comes up because she's not where
17:13
Speaker 1: she wants to be. So sometimes we have to unpack
17:16
Speaker 1: our childhood in order just to deal with our money.
17:19
Speaker 1: And all everyone walking around today, we all have a
17:22
Speaker 1: relationship with money, and if you're in sales, you need
17:26
Speaker 1: to know that because when you're asking someone to do
17:28
Speaker 1: something better for themselves, money behavior is real, y'all. Money
17:33
Speaker 1: behavior is real. We do things for a reason, So
17:36
Speaker 1: I want you to be able to better yourself see
17:39
Speaker 1: your future self and then I want you to be
17:42
Speaker 1: able to do it because you are amazing, you rock,
17:46
Speaker 1: and you are worth it. So put yourself first. Do
17:49
Speaker 1: whatever it takes for you to put yourself first. And
17:52
Speaker 1: if you say health and wealth and you know, I'm
17:54
Speaker 1: gonna do my morning routine. They have a morning routine
17:57
Speaker 1: every morning, movement, music, journal, meditation, whatever it is, even
18:02
Speaker 1: if it's two minutes each, you stick to that because
18:05
Speaker 1: you are that important. I find that most of my
18:09
Speaker 1: clients that don't adhere to their boundaries that were set.
18:15
Speaker 1: They'd let people walk all over them and they give
18:17
Speaker 1: theirselves away. They don't have a morning ritual. I know
18:20
Speaker 1: it sounds crazy, but if you have a morning ritual,
18:22
Speaker 1: I even have a nighttime ritual as well. If you
18:25
Speaker 1: have those rituals, you're telling yourself you're important enough to
18:28
Speaker 1: spend time on what makes you happy, what you value,
18:31
Speaker 1: and how you can have a better day and be
18:33
Speaker 1: that better self. Right. Who do you want to be
18:37
Speaker 1: walking into the door a year from now? How do
18:40
Speaker 1: you want to be different? How do you want to
18:42
Speaker 1: be seen? For me? Labels are not important? Dressing nice, yes,
18:47
Speaker 1: I want to feel comfortable. I want to look nice.
18:51
Speaker 1: I want to be somewhat updated, right, that's important to me.
18:55
Speaker 1: I don't need to buy the most expensive thing now
18:58
Speaker 1: other people do. Other people want that. They want maybe
19:02
Speaker 1: the black dress that's going to last for ten years.
19:05
Speaker 1: It's going to cost five hundred dollars or one thousand dollars.
19:07
Speaker 1: I would not do that, So everybody's different. But I
19:10
Speaker 1: want you to feel good in your skin, in what
19:13
Speaker 1: you're purchasing for yourself. Does that make sense? When we
19:17
Speaker 1: respect ourselves, we will respect our money decisions and they're
19:21
Speaker 1: easier to make. So goal setting is so important, but
19:24
Speaker 1: not from a place of pressure and shame. It's just
19:27
Speaker 1: a target on where we want to hit. So in
19:30
Speaker 1: our money dates, we also want to set our goals.
19:32
Speaker 1: How much do we want to spend on groceries? Do
19:34
Speaker 1: we want to still shop at that spot? Or do
19:36
Speaker 1: we want to go to Costco for gas more? Whatever
19:39
Speaker 1: it might be. We want to look at everything because
19:41
Speaker 1: you are in control of your money. Even then, I
19:45
Speaker 1: know it feels like it's controlling you, but I promise
19:47
Speaker 1: you you actually are controlling it. So if you can
19:51
Speaker 1: take anything at all from this episode, I want to
19:53
Speaker 1: make sure that it's not just about your money life.
19:56
Speaker 1: It's about your life and how you love and adore
19:59
Speaker 1: and respect your yourself. It's about who you believe you are,
20:03
Speaker 1: who you believe you are showing up as, and who
20:07
Speaker 1: you want to be showing up as. The best part
20:11
Speaker 1: of all of this is you can rewrite this at
20:14
Speaker 1: any time. You literally could have screwed everything up with
20:18
Speaker 1: money totally, huge credit card debt, last lack of respect
20:23
Speaker 1: from your family, scared to death every time you spend
20:25
Speaker 1: a dime, doesn't matter. You could get in file banks
20:28
Speaker 1: or up the on your car repode, doesn't matter. You
20:32
Speaker 1: get to start fresh today, and it is about respecting
20:36
Speaker 1: your relationship with money, and you're respecting your relationship with
20:39
Speaker 1: yourself first. So start now. Decide what do you want
20:44
Speaker 1: your life to be in the future. What do you
20:47
Speaker 1: want to say a year from now and say, oh
20:49
Speaker 1: I learned so much, My life is so different. Now,
20:52
Speaker 1: decide what you want money to do for you, and
20:55
Speaker 1: start showing up like that version of yourself today. I
20:59
Speaker 1: always want to be the matriarch of my last firm.
21:03
Speaker 1: And so I'm like, Okay, if I'm going to do that,
21:05
Speaker 1: how am I going to show up? Well, I'm going
21:07
Speaker 1: to show up my business attire. I'm going to show
21:09
Speaker 1: up always clean and neat. My car is going to
21:11
Speaker 1: be clean and neat. My home's going to be clean
21:13
Speaker 1: and neat. My money dates are going to be amazing.
21:16
Speaker 1: I'm not going to have scattered papers all over the house.
21:18
Speaker 1: My discs are going to be done. Now. Does all
21:21
Speaker 1: of that happen one hundred percent of the time, of
21:23
Speaker 1: course not. Do I shame my cl phone. It doesn't,
21:25
Speaker 1: absolutely not. So we want to look at everything and
21:29
Speaker 1: not perfection and not one hundred percent, but good enough.
21:33
Speaker 1: Especially if you're a business owner, you got to take
21:35
Speaker 1: on that comment of ah, it's good enough. I've got
21:39
Speaker 1: laundry in my laundry room right now. That's not done,
21:41
Speaker 1: like that's gonna happen, and it's okay. Do not shoot
21:45
Speaker 1: for perfection. I want you to shoot for good enough
21:47
Speaker 1: and know your vision, know your target, know who you
21:51
Speaker 1: want to be one year from now. I want you
21:54
Speaker 1: to come back to these episodes, and I want you
21:56
Speaker 1: to listen to the episodes, and I want you to
21:58
Speaker 1: be able to say I rocked my finances this year.
22:01
Speaker 2: We appreciate you joining us today, and don't forget to
22:04
Speaker 2: subscribe to the rock my Finances YouTube channel for more
22:08
Speaker 2: engagement and bonus content. Tell me what is your money story.
22:13
Speaker 2: Let's find out with Jennifer right here on K FOURHD
22:16
Speaker 2: Radio and Talk for TV. It's not about the zero,
22:19
Speaker 2: It's about the F word. Feelings, feelings. Jennifer can't wait
22:24
Speaker 2: to explore with you next week. Until then, let's all
22:27
Speaker 2: say I rock my Finances.