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Budgeting Without the restriction: Why I Call It a Spending Plan · Rock My Finances

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  Speaker 1: Investment advisory and financial planning services are offered through Simplicity
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  Speaker 1: Wealth LLC and SEC.
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  Speaker 2: Registered Investment Advisor.
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  Speaker 2: Investing involves risk of loss.
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  Speaker 1: Insurance, consulting and education services offered through Diamond Life Fanning
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  Speaker 1: is a separate and unaffiliated entity from Simplicity Wealth. This
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  Speaker 1: information is provided as a general information that is not
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  Speaker 1: intended to be specific financial guidance. Before you make any
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  Speaker 1: decisions regarding your personal financial situation, you should consult a
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  Speaker 1: financial or tax professional to discuss your individual circumstances and objective.
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  Speaker 3: Welcome to the Rock my Finances show on k FORHD
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  Speaker 3: Radio and Talk for TV, where we put the fund
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  Speaker 3: in finance. Joining Powerhouse Jeffer Jos CDFA CMC and private
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  Speaker 3: wealth advisor as she collaborates with you to create clarity,
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  Speaker 3: control and compidence with your money, your way. It's not
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  Speaker 3: about the zeros, So what is it all about? Let's
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  Speaker 3: find out. Now Here's your host and weekly friend, Jennifer Jose.
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  Speaker 2: Hey, y'all, welcome back to Rock my finances. We are
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  Speaker 2: going to get down to details today. This is one
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  Speaker 2: of my fav favorite episodes because I have never heard
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  Speaker 2: this out there in the world before I started talking
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  Speaker 2: about it. So I was really big on shifting my
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  Speaker 2: mindset around money and stop the shame and the guilt
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  Speaker 2: and the should have would have kudas that were just
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  Speaker 2: my monkey mind when I would lie down ready to
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  Speaker 2: go to bed, and I would just start thinking, you know,
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  Speaker 2: I raised my kids to a single mom, so that's
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  Speaker 2: a stress all in itself, y'all right, And I own
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  Speaker 2: several businesses and rental properties and all kinds of fun stuff,
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  Speaker 2: which was very fun, and it had my brain go
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  Speaker 2: on twenty four seven, three hundred and six five days
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  Speaker 2: a year, so I had to figure out how to
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  Speaker 2: set it, leave it, and forget it, and then just
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  Speaker 2: allow the universe to bring me whatever I was trying
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  Speaker 2: to manifest. Right, So this is going to help you today.
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  Speaker 2: We've been hearing I think, our whole life when we
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  Speaker 2: were children, our grandparents, our parents, the media, everything. Budget.
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  Speaker 2: I call it the B word. It's just like all
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  Speaker 2: the other B words, not good. So I don't even
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  Speaker 2: like the word budget. I don't use the word budget
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  Speaker 2: because it is restricting. It is like you don't really
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  Speaker 2: hear men talk about how's your budget today, how's your
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  Speaker 2: household budget? What's your because men don't think in constriction.
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  Speaker 2: They think of how can I create more? And and
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  Speaker 2: I know I'm generalizing men and women, but you get
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  Speaker 2: my drift. So when we were raised as little kids,
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  Speaker 2: Grandpa would take the sun over in the corner and
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  Speaker 2: teach them about money and maybe even showing some dollars
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  Speaker 2: and some coins and maybe even talk about the stock
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  Speaker 2: market and what is gold and what is silver and
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  Speaker 2: commodities and all that stuff. And we got taken into
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  Speaker 2: the kitchen how to cook. We got handed a vacuum
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  Speaker 2: cleaner and a broom at probably five years old when
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  Speaker 2: they were plastic and they were teaching us how to
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  Speaker 2: cook and clean. Then we got handed baby dolls because
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  Speaker 2: now we're supposed to grow up and be a mom.
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  Speaker 2: No one is talking to normally and my generation about
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  Speaker 2: money and what does money do for you? How can
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  Speaker 2: you create it? How can it be good? How can
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  Speaker 2: it be bad? How to handle it? I do believe
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  Speaker 2: I did learn how to write a check in high school,
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  Speaker 2: and that was about it, and how to keep a
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  Speaker 2: check book balanced back in the day. Now our computers
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  Speaker 2: do it, our spreadsheets do it. It's amazing. However, the
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  Speaker 2: other flip side of the coin is being taught about
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  Speaker 2: investing and ready to return and compound growth and all
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  Speaker 2: these wonderful things that we kind of got left out on.
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  Speaker 2: And if we look at it, women have only been
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  Speaker 2: in the money game for about fifty years, which is
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  Speaker 2: not very long at all. I remember in my very
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  Speaker 2: first marriage, I had to take my husband to the
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  Speaker 2: bank in order to get a check in account, which
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  Speaker 2: was ridiculous. I didn't realize that at the time because
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  Speaker 2: we owned everything together at the time. But then I
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  Speaker 2: looked back and I thought, wait a minute, I should
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  Speaker 2: have been able to open up my own checking account.
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  Speaker 2: I had my own job, I had my own income,
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  Speaker 2: and I shouldn't need my husband to open up my
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  Speaker 2: own single checking account. And that was in the early eighties, y'all,
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  Speaker 2: when the law passed many years before that that we
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  Speaker 2: do not need to be looked at as property and
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  Speaker 2: that we need our husband's okay for stuff, and it
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  Speaker 2: still took forever to get in effect. And that's in California,
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  Speaker 2: So there's no telling what happened in the Southern States, right,
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  Speaker 2: So we're going to talk about it today so that
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  Speaker 2: you can gain more power, more control. I want you
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  Speaker 2: to feel that you get to figure out what you
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  Speaker 2: want to do with your dollars. It's all of to you.
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  Speaker 2: You are at choice, and I know it doesn't feel
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  Speaker 2: like it, but if we look at it, this economy
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  Speaker 2: are United States of America. We are playing the money game.
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  Speaker 2: You have that choice. Did you know that you actually
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  Speaker 2: do not have to play this money game. You can
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  Speaker 2: go throughout a tent, a sleeping bag, and juggle water
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  Speaker 2: and go live homeless. You absolutely can. You can go
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  Speaker 2: to San Francisco, San Diego, La. You can go wherever
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  Speaker 2: you want, and you don't have to play the money
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  Speaker 2: game if you don't want to play the money game. So,
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  Speaker 2: first of all, realize that we are choosing to play
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  Speaker 2: this United States money game worldwide even right. I mean
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  Speaker 2: now that we have bitcoin and different currencies coming out there,
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  Speaker 2: our world is changing so much. But first and foremost,
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  Speaker 2: I want you to understand that you have the choice.
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  Speaker 2: Let's take back to some of that control and say, okay,
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  Speaker 2: if I have the choice of playing this money game,
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  Speaker 2: just like we have the choice of playing the corporate
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  Speaker 2: world employee game, of the business owner game, the stock
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  Speaker 2: market game. Like, we have that choice if we want
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  Speaker 2: to enter it or not. So let's do it, and
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  Speaker 2: let's do it good. Let's do it to where it
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  Speaker 2: fits into our lifestyle, not that we're fitting into it.
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  Speaker 2: Do you ever feel like the money world is running you,
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  Speaker 2: like your bills and expenses are running your life, like
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  Speaker 2: you're working to pay your bills or get by check
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  Speaker 2: to check to check it. And I literally have this feeling.
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  Speaker 2: From multimillionaires down to twenty thousand dollars a year, it
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  Speaker 2: doesn't matter how much you make, we can get caught
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  Speaker 2: in that trap. So today I'm going to give you
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  Speaker 2: control back.
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  Speaker 1: Woooo.
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  Speaker 2: I know you're excited about it. Okay, So first of all,
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  Speaker 2: we do not not budget because of intelligence. It has
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  Speaker 2: nothing to do with that. So I want you to
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  Speaker 2: know it has nothing to do with intelligence. It has
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  Speaker 2: nothing to do with knowing anything about the money game, investing,
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  Speaker 2: financial plan in any of that. We usually learn it
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  Speaker 2: at home, and we learn our money beliefs at home.
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  Speaker 2: So why budgeting doesn't work. Traditional budgets just don't work.
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  Speaker 2: They are built on rules of don't spend this and
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  Speaker 2: limit that and stay in your lane and don't think
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  Speaker 2: outside the box. And for a lot of women, especially
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  Speaker 2: high capacity, ambitious women, women who've been through maybe even
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  Speaker 2: a divorce or a loss or life transitions, those words
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  Speaker 2: just don't land with us. They just do not land
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  Speaker 2: because it removes our choice. And I am a woman
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  Speaker 2: of choice, for choice, always choice. And when we're spending
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  Speaker 2: on a budget, we feel restricted and not good enough
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  Speaker 2: and shameful, and it brings up all of our wounds
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  Speaker 2: about rebellion and everything. When we can't do something right,
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  Speaker 2: our brain literally pushes back. When our brain is pushing back,
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  Speaker 2: it's not thinking about math, it's thinking about wait, am
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  Speaker 2: I safe?
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  Speaker 1: Oh?
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  Speaker 2: Am I being controlled? Wait a minute? I have the choice.
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  Speaker 2: And when the answer feels like no, we push back, y'all,
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  Speaker 2: we push back. We jump down into our addlet's the behavior,
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  Speaker 2: and we jump back. Pushback looks like avoidance, not even
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  Speaker 2: looking at your numbers, ostriche. It looks like overspending. It
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  Speaker 2: looks like retail therapy. It looks like we have a
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  Speaker 2: budget and screw that, I'm doing it anyways. I don't
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  Speaker 2: know if any of you have spouses, but you might
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  Speaker 2: have sent your spouse. Not too bad, I'm doing it.
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  Speaker 2: Not only am I not doing that, I'm buying two
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  Speaker 2: more now because you just said I can't. Right. It
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  Speaker 2: can be all about these different types of feelings. This
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  Speaker 2: is where emotional spending comes in. This is where avoidance
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  Speaker 2: comes in. We don't even look right. That's where we'll say,
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  Speaker 2: I'll deal with it later. I call that my Scarlett O'Hara.
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  Speaker 2: My mom used to always talk about this littly d.
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  Speaker 2: I will think about it tomorrow and just set it aside,
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  Speaker 2: compartmentalize and set it aside, and then tomorrow and tomorrow
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  Speaker 2: and tomorrow tomorrow becomes forever. This is not a discipline issue.
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  Speaker 2: This is not an organization issue. Anyone can do this.
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  Speaker 2: I created a spending plan instead of budgeting. Okay, so
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  Speaker 2: anyone can do this. It's not that hard, I promise you.
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  Speaker 2: It is a design issue, not a discipline issue. So
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  Speaker 2: what comes up that Section one was our budgeting doesn't work.
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  Speaker 2: Section two is emotional side of spending. It's we have
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  Speaker 2: guess what, y'all. It's not about the zeros. It's about
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  Speaker 2: your relationship with money. But we have emotions with money.
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  Speaker 2: No one talks about it. Money is emotional all ways,
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  Speaker 2: every day, all day long. I promise you it's never
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  Speaker 2: just about the numbers. It's how you feel in the moment.
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  Speaker 2: If you ever thought about something and immediately start to
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  Speaker 2: get stressed out, maybe want to eat something, maybe even
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  Speaker 2: have a drink of alcohol. Like I'm stressed out, I
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  Speaker 2: want to have a glass of wine. I need to
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  Speaker 2: go exercise, whatever that feeling is. Well, some people that
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  Speaker 2: don't feel like they have control over their money, it's
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  Speaker 2: going to go spend retail therapy, right and it makes
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  Speaker 2: them feel really good when we spend when we're stressed.
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  Speaker 2: It's because spending gives us a quick sense of relief.
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  Speaker 2: It feels like we're in control and everything else feels
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  Speaker 2: out of control. So it's not about the item that
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  Speaker 2: we're purchasing, it's about the feeling that we get. And
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  Speaker 2: a lot of us, I mean a lot of my
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  Speaker 2: clients even will go to like Home Goods or Costco
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  Speaker 2: or something that they need for the houses. It's not
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  Speaker 2: even like purses and jackets. And it's like the media
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  Speaker 2: would make you think, like back in the day, they
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  Speaker 2: would say, stop spending money on Starbucks will change your retirement.
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  Speaker 2: You are not telling gentlemen that you are just not
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  Speaker 2: doing that. You're telling women that you are not telling
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  Speaker 2: gentlemen that. So that's crazy. So no, it's not about that.
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  Speaker 2: It is about your relationship and how you feel in
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  Speaker 2: the moment about whatever is happening that's making you stressed.
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  Speaker 2: So we have to look at our stress. Number two,
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  Speaker 2: When we're lonely, we spend. When we're lowing, we buy something,
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  Speaker 2: we go out, we maybe treat ourselves. That creates connection
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  Speaker 2: with someone, even if it's a temporary It fills the
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  Speaker 2: space of that emptiness and it gives us one little
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  Speaker 2: moment of comfort. When we're celebrating. We could overspend and
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  Speaker 2: this month isn't necessarily isn't wrong, and none of it's
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  Speaker 2: really wrong as long as we put it in our
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  Speaker 2: spending plan. And if we know that's so, we are
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  Speaker 2: we're going to put it in our spending plan and
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  Speaker 2: forecast for it. Right. But the thing is we need
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  Speaker 2: to do it with awareness, like twelve steps. The first
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  Speaker 2: thing is we got to know it. We've got to
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  Speaker 2: be aware of it. We have to be aware of
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  Speaker 2: what we're doing. Celebrations can turn into over compensation. I
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  Speaker 2: deserve this. Have you ever said that, Well, I work
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  Speaker 2: my half off and I deserve spending this money right now, right,
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  Speaker 2: We totally do that, and it quietly can turn into
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  Speaker 2: I've earned everything that I have. I've earned it. Well, yes,
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  Speaker 2: of course we have. We've earned everything in our life.
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  Speaker 2: We deserve everything in our life, and we also deserve
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  Speaker 2: and we've earned to not be stressed, to not feel lonely,
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  Speaker 2: and to not avoid our numbers, to actually fall in
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  Speaker 2: love with money. Y'all. It feels so good when we
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  Speaker 2: fall in love with money. I love it so avoiding
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  Speaker 2: looking at counts, your accounts, your statements, your bills, your mail,
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  Speaker 2: looking at your apps on the phone, avoiding going anywhere
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  Speaker 2: with anyone doing anything because you're just you're in the
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  Speaker 2: I don't know if I can afford it. I'm not
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  Speaker 2: going to look at it. I'm not going to look
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  Speaker 2: at it. That's the Ostrich syndrome. Right. So, instead of
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  Speaker 2: all of that that have facing our numbers and seeing
• 12:01
  Speaker 2: what's happening, we DiscT, distract, distract, distract, and we do
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  Speaker 2: it with spending. Some of us do it with spending,
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  Speaker 2: and underneath all of this is something deeper. We're trying
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  Speaker 2: to regulate how we feel. The F word, my favorite
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  Speaker 2: F word. We're regulating how we feel. So we're looking
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  Speaker 2: for a tool to maybe soothe us, to make us
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  Speaker 2: feel better, to make us get out of that stressful feeling, anxious, feeling,
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  Speaker 2: under overwhelmed feeling. We are escaping from our reality. I
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  Speaker 2: turn on the TV for that, or go for a walk.
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  Speaker 2: I escape that way. I know a lot of people
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  Speaker 2: will go spend to escape what they're feeling. We're giving
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  Speaker 2: ourselves rewards. I absolutely do that. It's in my spending
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  Speaker 2: plan and I save up for that. Then we give
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  Speaker 2: ourselves rewards, maybe just numbing out. Maybe just shopping and
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  Speaker 2: helps you numb out. Sometimes windows shopping. I have my
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  Speaker 2: clients you need to break their pattern from this. I
• 13:01
  Speaker 2: have them go window shopping for three to five days online,
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  Speaker 2: out in the public whatever, put it in your cart
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  Speaker 2: and Amazon whatever, and not buy it yet. So you're
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  Speaker 2: getting the endorphins in our brain and our serotonin and
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  Speaker 2: dopamine that we're actually acting like we're spending, but we
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  Speaker 2: actually haven't put it on the credit card yet, And
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  Speaker 2: that sometimes relieves just that feeling right there, easy peasy,
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  Speaker 2: without actually hitting the credit cards. And here's the important part.
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  Speaker 2: This isn't This doesn't make you feel bad with money, right,
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  Speaker 2: It makes you feel human. That's what this is all about.
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  Speaker 2: Budgeting makes us feel bad and constricted and we screwed
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  Speaker 2: up and we did this wrong. No, this spending plant
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  Speaker 2: makes us feel human. That's what we are. We need
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  Speaker 2: to recognize the pattern. When we don't recognize it, it
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  Speaker 2: keeps repeating. So here I am. I'm a beacon in
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  Speaker 2: your face right now. If any of this is listening
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  Speaker 2: to you and it's triggering something, this is what we're
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  Speaker 2: here for. The goal is to eliminate emotions, because that's
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  Speaker 2: not realistic. We're always going to have emotions around money.
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  Speaker 2: It is awareness. We can't fix something we're not aware of.
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  Speaker 2: So pause, Ask yourself, what am I feeling right now?
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  Speaker 2: Is this money decision an emotional money decision or a
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  Speaker 2: factual money decision. I know people that don't make a
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  Speaker 2: decision for twenty four hours. I have that rule. If
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  Speaker 2: it's something big, right, nope, I don't want my emotions
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  Speaker 2: involved in it because guess what, our emotions are running
• 14:27
  Speaker 2: our life. Our five year old girl is running our life,
• 14:30
  Speaker 2: and I don't know about your five year old little girl.
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  Speaker 2: What My five year old girl was not a business owner,
• 14:35
  Speaker 2: and she was not altogether in her emotions, and she
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  Speaker 2: did not feel confident and empowered to make decisions. So
• 14:40
  Speaker 2: when she's out about and she's feeling hurt or unwanted
• 14:44
  Speaker 2: or unloved or not good enough and she makes decisions,
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  Speaker 2: those might not be the best decisions of my amazing,
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  Speaker 2: badass self. That's going to be moving forward, if that
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  Speaker 2: makes sense. So this is where the spending plans supports
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  Speaker 2: you by not controlling you. It gives you choice. You're
• 15:00
  Speaker 2: staying connected to yourself and your decisions. So section three,
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  Speaker 2: what is a spending plan? It's not about restriction. It's
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  Speaker 2: about an intentional choice. You're literally deciding ahead of time
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  Speaker 2: where you want money to go. So here is what
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  Speaker 2: we're going to do, because everything starts to shift when
• 15:18
  Speaker 2: you start doing a spending plan. It's about knowing your
• 15:21
  Speaker 2: numbers and loving your numbers. So we're going to look
• 15:24
  Speaker 2: back without judgment, without regret, and without beating yourself up,
• 15:29
  Speaker 2: which you did and didn't do. The really important thing
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  Speaker 2: is your past spending is not a mistake. It's just data.
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  Speaker 2: We're data minding minded period that's all we're doing. And
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  Speaker 2: when you take a look at it, I want everything.
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  Speaker 2: I want you to look at everything that way. Okay,
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  Speaker 2: So we're going to look back at the last three
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  Speaker 2: months of spending, not just criticize it, not to feel bad,
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  Speaker 2: but just the data. Mind, don't even think about what happened.
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  Speaker 2: This is just where all the money went, and all
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  Speaker 2: the different categories. And when you put groceries, I want
• 15:52
  Speaker 2: you to put the store down because stores make a difference, right,
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  Speaker 2: Each store that you're at is a different price point.
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  Speaker 2: So each individual store, maybe even each individual gas station
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  Speaker 2: because I know like Costco is cheaper, right, So maybe
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  Speaker 2: look at all of that as well. Now we're not
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  Speaker 2: spending time there, we're just damn of mind. Where's the
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  Speaker 2: money actually gone? And then we're going to look at
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  Speaker 2: it and add it up in each category, Amazon category,
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  Speaker 2: education category, dining out, eating in extras for the moment,
• 16:20
  Speaker 2: in my cash, donations, gas, insurance, utilities for the house, cable,
• 16:28
  Speaker 2: you know, all your online Hulu, Netflix, Amazon Prime, you
• 16:32
  Speaker 2: know Peacock Paramount. My lord, there's a million of them, right,
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  Speaker 2: so all of those can be one category. We need
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  Speaker 2: to look at every single dime that we're spending This
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  Speaker 2: could take you one sitting, it could take you nine sittings,
• 16:44
  Speaker 2: whatever it takes. I want you to feel good. And
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  Speaker 2: my spending plan this is when I do it on
• 16:48
  Speaker 2: my money date. Remember money dates are once a week,
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  Speaker 2: at least thirty minutes a week. You put on your
• 16:53
  Speaker 2: comfy clothes, your music, your candles, your favorite cocktail, whatever
• 16:57
  Speaker 2: it takes. And like my spreadsheet is pink, some and greens,
• 17:01
  Speaker 2: like it's really great. And I highlight when I finish
• 17:03
  Speaker 2: something that gives me yourself an accomplishment, right, I'm celebrating. Yeah,
• 17:07
  Speaker 2: I got that. Whatever it is, I highlight it so
• 17:09
  Speaker 2: I know I don't have a look at it anymore.
• 17:11
  Speaker 2: I look at my spending plan every couple of weeks.
• 17:14
  Speaker 2: We're getting you ready for my daughter's wedding in Iceland,
• 17:16
  Speaker 2: so I'm looking at it continuously right now, because things
• 17:19
  Speaker 2: are happening, things are shifting. When you get all in
• 17:22
  Speaker 2: a nice routine, maybe it's once a month, maybe once
• 17:25
  Speaker 2: once a week, it depends on how you feel. Only
• 17:27
  Speaker 2: if you feel good, right, your numbers are going to
• 17:30
  Speaker 2: tell a story. What patterns do I see and what
• 17:34
  Speaker 2: really matters to me? Remember, our values are supposed to
• 17:37
  Speaker 2: show up where we spend our money. So I value
• 17:39
  Speaker 2: my health almost first and foremost, right, So my spending
• 17:43
  Speaker 2: more money on my health? Or am I spending more
• 17:46
  Speaker 2: money on chief grocery somewhere that's not very healthy? So
• 17:49
  Speaker 2: what am I valuing at that point? So that's one.
• 17:54
  Speaker 2: Do I value family? Will? How much money are we
• 17:56
  Speaker 2: spending on family? Do I value me? I have my
• 17:59
  Speaker 2: value you as me, My health, my happiness comes first
• 18:02
  Speaker 2: above all else, before anyone else. I want to make
• 18:05
  Speaker 2: sure that I'm spiritually connected. I want to make sure
• 18:08
  Speaker 2: that I'm healthy. I want to make sure that I'm happy.
• 18:11
  Speaker 2: I want to make sure that I'm getting you enough exercise,
• 18:14
  Speaker 2: All of those things I will spend money on first
• 18:16
  Speaker 2: my supplements, my exercise classes, good food. All of that
• 18:21
  Speaker 2: is first before I look at other categories, if that
• 18:25
  Speaker 2: makes sense. So we look at that. We look at
• 18:27
  Speaker 2: our worksheet, nothing complicated, just where your money goes, travel, fun, right,
• 18:32
  Speaker 2: and then savings. Then you get to decide what do
• 18:35
  Speaker 2: I want this to look like moving forward? Did I
• 18:38
  Speaker 2: spend too much money on groceries at this grocery store
• 18:40
  Speaker 2: last time? What do I want to put moving forward?
• 18:43
  Speaker 2: I just do a simple Excel spreadsheet. I know we
• 18:45
  Speaker 2: have quick books, quick in all these things, but I
• 18:47
  Speaker 2: want you to be in touch with every dime that's spending,
• 18:50
  Speaker 2: so that you know what's happening, not perfectly, just consciously. Okay.
• 18:55
  Speaker 2: So even when you map out the rest of your
• 18:57
  Speaker 2: year this way, and this is key, not doing it
• 19:00
  Speaker 2: from pressure, You're doing it from choice. So then you
• 19:03
  Speaker 2: can even say, well, you know what, I spend twelve
• 19:05
  Speaker 2: hundred dollars on groceries. That's ridiculous. I need to cut
• 19:08
  Speaker 2: that down to seven or eight. Okay, So let's put
• 19:10
  Speaker 2: in seven and then let's see what it looks like.
• 19:13
  Speaker 2: Then we look at it each month and see are
• 19:15
  Speaker 2: we on target? All right? And then we get to celebrate.
• 19:18
  Speaker 2: This is to shift you from the spending budgeting into
• 19:23
  Speaker 2: your spending planet. It's going to give you clarity. You're
• 19:26
  Speaker 2: gonna know what's coming in and out. I promise you
• 19:28
  Speaker 2: abundance will come during that time, because it's just amazing.
• 19:31
  Speaker 2: You might feel better, less stressed, whatever it takes. You're
• 19:34
  Speaker 2: gonna feel more in control, You're gonna feel more confident.
• 19:37
  Speaker 2: You're gonna trust yourself about money again. So guess what
• 19:40
  Speaker 2: that means. You're going to make better decisions because at
• 19:43
  Speaker 2: the end of the day, it's your life, your money,
• 19:46
  Speaker 2: and your choices. You get to decide where the money goes. Period,
• 19:51
  Speaker 2: that's it. You get decide if you're doing ten percent
• 19:54
  Speaker 2: in savings or five percent in savings. And you know
• 19:57
  Speaker 2: all we all we have to have a fun bucket.
• 19:59
  Speaker 2: Don't get the fun bucket in your spending plan. I
• 20:02
  Speaker 2: hope you enjoyed this episode of the Spending Plan because
• 20:05
  Speaker 2: it is key money date, spending plan, data mining, and
• 20:10
  Speaker 2: then let's get our emotions and check love our numbers,
• 20:14
  Speaker 2: love our future spending plan. When someone asks us to
• 20:16
  Speaker 2: do something, it's very easy. Sorry, that's not in my
• 20:19
  Speaker 2: spending plan this month, but I would love to join
• 20:21
  Speaker 2: you next month. Like stick with it. Be proud of
• 20:24
  Speaker 2: yourself for loving your numbers. I want you all to
• 20:27
  Speaker 2: enjoy your money dates, enjoy your spending plan, and I
• 20:30
  Speaker 2: want you to be able to walk away from each
• 20:31
  Speaker 2: money date to say I rock my finances.
• 20:36
  Speaker 3: We appreciate you joining us today, and don't forget to
• 20:38
  Speaker 3: subscribe to the rock my Finances YouTube channel for more
• 20:42
  Speaker 3: engagement and bonus content. Tell me what is your money story?
• 20:47
  Speaker 3: Let's find out with Jennifer right here on K four
• 20:50
  Speaker 3: HD Radio and Talk for TV. It's not about the zero,
• 20:54
  Speaker 3: it's about the F word. Feelings, feelings Jennifer can't wait
• 20:58
  Speaker 3: to explore with you next week. Until then, let's all
• 21:01
  Speaker 3: say I rock my finances.