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How Do I Actually Live Out Matthew 6 When I'm 69 and Scared About Money? · Becoming Financially Confident

0:37
She's turning 69 this year and she apologized to me twice for asking for help.
0:43
She lost her mother's inheritance to a man she met at church and she's been carrying that for 18 years.
0:50
And she wrote me one line.
0:51
I have not been able to put down a number in her letter she never mentioned.
0:57
I want you to hear it.
0:58
And you'll see that she has this backwards.
1:01
So stick around.
1:02
We're going to get into it right now.
1:03
And don't forget, I've got a big announcement coming at the end of the show that you don't want to miss.
1:16
Hello and welcome to Financially Confident Christian.
1:19
My name is Ralph Estepp Jr.
1:21
And I just want to thank you for joining me today.
1:23
I got a listener letter today that I'm going to share that is amazing.
1:28
We're going to get deep into the Word today.
1:30
We're going to talk about what Matthew 6 asks when the money is tight and the clock is short.
1:35
Like I said, I've got a 69 year old woman who's still working.
1:39
She's got over $100,000 in retirement and $25,000 in savings.
1:44
But she lost an inheritance to a man from church who scammed her and fled the state.
1:49
Now her doctor wants her to retire and she's got about $1,000 a month shortfall.
1:54
She's asking what does she do?
1:57
She said she's hopeless and she said she's ashamed and she thinks it's too late because of the timeline.
2:03
So I'm going to talk about all three questions today.
2:07
And if you've got a question for the show, just like this person, you can send to me by going to financiallyconfidentchristian.com?
2:16
Again, that's financially confidentchristian.com question.
2:22
All right, well, let's get right to today's listener question.
2:24
But before I read the question, I saw this pop up in my email and the subject line caught my eye right off the bat.
2:31
It said this.
2:31
How do I practically live out Matthew 6:24 34?
2:36
And I'm going to be full disclosure here today.
2:38
I had to go look up what Matthew 6:24 34 was.
2:42
But let's get to her question.
2:43
And I'm going to tell you right now it's a little long, but it's so powerful that I want to read the whole thing to you.
2:49
And this is from a lady named Lorraine.
2:51
She said, hello, Ralph.
2:53
I've enjoyed listening to your encouraging biblical wisdom.
2:56
Heads up.
2:56
This is a long email and a complex story.
3:00
I'll be 69 years old female this year and due to my lack of retirement savings I'm still working and I feel so embarrassed about it.
3:09
All of my friends have retired and enjoying their traveling and all those sort of things.
3:14
But Ralph, I didn't grow up as a Christian and I was never taught anything about money, any goals or future, any of those things while growing up.
3:23
So money habits have been irresponsible and they haven't honored God.
3:27
But it's changing.
3:29
I was diagnosed in my 50s with complex PTSD and ADHD.
3:34
I think I've lived on survival mode, but I'm healing with the Lord's help.
3:39
I inherited my mom's home 18 years ago.
3:42
Her neighbor was a big drug dealer so I sold the house.
3:46
I had a 12 year old son at the time and unfortunately I lost most of the proceeds in a real estate flipping scam to to a fellow who I met at church.
3:55
I've since found out that he scammed many people and has fled our state.
3:59
My intention back then was to leave my career and help single moms.
4:04
Since the money loss and the trauma from it, I constantly worry about money.
4:10
I feel financially raped.
4:12
Since then money has become an idol because I worry about it all the time and I'm constantly checking on my stock performance.
4:20
I recently acquired a financial advisor who's not a believer, but I like him.
4:25
I have had such money shame since my youth and I've never wanted to see an advisor or talk about money until recent years.
4:33
Is it better to have a Christian advisor?
4:36
And I'm going to pause for a second.
4:37
That's question number one and we'll talk about that.
4:39
But let me continue.
4:41
And then she continues.
4:41
She says, I think the chronic money worries and the recent loss of my former spouse is affecting me in a greater way than I have ever imagined.
4:50
I'm under a doctor's care and thankfully nothing serious has been found.
4:55
I'm on FMLA and I have reduced my work week to two days.
4:59
My doctor prefers that I retire.
5:01
I started taking Social Security two years ago and I was saving it since I didn't need it.
5:07
When I leave my current job, I'm going to have about $1,000 a month deficit after using my Social Security, but I don't want to start using my IRA funds just yet.
5:17
My retirement fund is around $100,000 and my savings is about 25,000.
5:23
Eight years ago my net worth was a negative $1,400.
5:28
Now I'm just going to pause there again.
5:29
Hear what she's saying.
5:31
Eight years ago, her net worth, which means what she owned versus what she owes was in the negative.
5:37
Let that sink in.
5:38
But then she continues, she says, yes, minus.
5:41
I paid off all my debt back then and and have used only cash since then.
5:46
Spending control is the problem when I'm stressed or exhausted.
5:50
I don't want to cook, Ralph.
5:51
So I purchase takeout very frequently.
5:54
It's a very unhealthy habit that I use to deal with anxiety.
5:59
I like to travel and also go on mission trips, but I don't want to reduce my savings account.
6:04
I feel hopeless and ashamed.
6:07
My son worries that he will have to financially help me, but I'm not dependent on that, nor do I want that pressure on him.
6:15
There's a product idea that I've had in mind for years from my industry and I want it to start working on it.
6:22
It's something everyone needs daily.
6:26
It also costs so much more.
6:27
But I'm going to start thinking and doing some research about it.
6:30
Any tips?
6:31
So that's question number three.
6:33
And then she goes on.
6:34
I need a godly perspective on how to navigate this message.
6:38
I feel as if it's too late because of the timeline.
6:41
I'm worried I'll be working till I'm an old lady.
6:44
Any idea how to navigate this mess and stop worrying about money and focus on trusting the Lord and still enjoying life?
6:51
The worry seems to take me off focus.
6:55
My main question is how do I practically live out Matthew 6:24 34.
7:00
I'm praying that God will use this mess to help others.
7:04
I'm sorry.
7:04
This story is overwhelming to ask about.
7:07
Blessings and thanks, Lorraine.
7:10
Well, Lorraine, first thing I'm going to tell you, thank you so much for sending it.
7:14
I'm going to be honest with you.
7:15
That question made my day.
7:19
Actually it made my weekend to be blunt and I'm going to tell the listeners right now.
7:23
I actually sent a response to her and we're going to talk about my response to her tomorrow because guess what?
7:27
Lorraine did.
7:28
She sent another letter to me that, that we're going to talk about on tomorrow's show.
7:33
But today I want to dig into that original letter and here's the thing.
7:37
I think that I noticed right away, Lorraine, your whole letter was about failure.
7:43
But you left out the only number that matters.
7:45
And I want to start there because eight years ago you said it, Ralph.
7:49
My net worth was a negative fourteen hundred dollars.
7:53
That was just eight years ago.
7:55
But.
7:56
But catch what she says.
7:57
She said, today I'm at $125,000.
8:00
But that's not even the best part.
8:02
She has zero debt, she's got long term care insurance in force.
8:08
If you think about that, that's $126,000 swing during the ages 61 to 69 after being ripped off and defrauded and having complex PTSD on one income.
8:23
Now, Lorraine, you call that a mess?
8:26
I call that an amazing comeback.
8:28
That is absolutely a testament to your fortitude.
8:34
Now, the urgency you're feeling right now is medical.
8:36
That's not financial.
8:37
Your doctor already said it.
8:40
Jesus said don't worry to people with real food insecurity.
8:45
So if he said that to them, it's got to be possible.
8:48
In real trouble or it's not a command, it's a taunt.
8:51
So how do we unwind this?
8:53
Here's the first thing I want you to do, Lorraine, is name the number right now that gap lives in her chest.
9:02
That feeling doesn't have edges, but numbers do.
9:05
So you've said it to me.
9:06
You said, I've got about a thousand dollar gap that I'm going to have if I stop working.
9:11
That's $12,000 a year.
9:13
I want you to write that down on an index card.
9:16
And under that I want you to write three lines because I'm going to give you a solution to this.
9:21
If you need to find $1,000 a month or $12,000 a year, I really think you've got three solutions to this.
9:28
You got part time income savings or IRA, you can do all three.
9:33
That $25,000 in savings covers that gap for two full years without even touching your IRA.
9:40
And Lorraine, you allude to something.
9:42
You don't have to touch your IRA till you're 73.
9:44
Now, Lorraine was born in 1957, so her first withdrawal will have to be in 2030.
9:51
So she's got four more years for that money to sit and compound and grow.
9:56
Now you also mentioned something in there and I kind of laughed, I chuckled when I read he said, work until I'm an old lady.
10:01
And That's a phrase.
10:04
$1,000 a month for a while is a problem.
10:08
You can only solve one of those.
10:09
I can't change your age.
10:11
There's no prayer you're going to say to, well, make me younger.
10:13
That's not going to happen.
10:15
But we can fix the thousand dollar issue.
10:18
And a number that you can look at is always smaller than the number you're running from.
10:22
Because, Lorraine, right now you're running from a number that I don't think you fully embraced.
10:27
Here's the Second thing I'm going to encourage you to do, trade the job, not the paycheck.
10:33
You walk right past this in your own letter.
10:35
You're already working the exact number of days.
10:38
That solves your problem, two days a week right now.
10:41
And you said to me, you said, ralph, even if I work two days a week, I'm still saving 700 dol a month on top of my bills.
10:49
Those two days, seventeen hundred dollars a month more full than retirement doesn't mean more days.
10:55
Your doctor said to you, well, maybe you need to have a different job.
10:59
Maybe you just need a different job.
11:01
Maybe you need a calm job.
11:04
Two days a week, 16 hours, if you can find it.
11:07
It lands right at the gap that you're finding.
11:10
And here's the best part.
11:11
A lot of people don't think about this one.
11:13
You can continue to work past your full retirement age.
11:17
The Social Security earnings test doesn't apply to you.
11:19
You can earn as much as you want.
11:21
You don't have any reduced benefits.
11:23
And a lot of people your age don't know that.
11:25
So many people leave money on the table because they think, well, once I'm on Social Security, I can't work or I'll lose benefits.
11:31
That's not true.
11:32
So if you could find a job of two easy days even at age 70, it's going to fund your income and it's going to give you a purpose.
11:43
You don't have to work more, you just have to work lighter.
11:47
But here's another thing I want you to do.
11:48
I want you to fence it in and not ban it.
11:51
One of the things you mentioned is that you're not good with spending.
11:54
You call take out a spending control problem.
11:58
But I actually disagree with that.
11:59
And I'm going to disagree gently.
12:01
You said to me you buy when you're stressed or exhausted.
12:06
That's not a business decision.
12:07
That's not a money decision.
12:08
That's a nervous System decision at 6:30 at night when you've worked all day.
12:13
And listen, you said it yourself, you're an older lady.
12:17
That's not a budget failure.
12:19
You can't budget your way out of a physiological state.
12:22
When you're tired, you're tired.
12:24
Your discipline's already been proven.
12:26
You paid off every dollar of debt.
12:28
You live it on cash only for six years.
12:32
That's an amazing thing.
12:34
So go around the willpower, not through it.
12:36
Maybe you decide this, cook once and eat four times.
12:39
Maybe on Sunday, not at 6:30.
12:43
You decide, here's my meals for the week.
12:45
Maybe you can freeze two or three of the worst night meals.
12:49
Maybe you put $100 a month in an envelope, go back to the cash envelope system and when the envelopes, guess what?
12:55
When it's empty, you don't have any more.
12:58
If you are going to ban this, you're going to break that.
13:01
But fences hold this together.
13:03
If you're spending three or four hundred dollars a month on takeout, and so many people I talk to are doing that right now, Lorraine, in your situation, if you were to cut that in half, go back to 150
13:15
to $200, that solves a 20% of the gap that you talked about.
13:20
You said you had a thousand dollar gap 20.
13:23
And you can find it right in your freezer by doing little planning.
13:26
You don't have a discipline problem.
13:28
You got a tired problem.
13:30
And tired problems and disciplined problems require two completely different solutions.
13:36
Now, I want to talk about that question you asked.
13:38
I interrupted you and said you asked this question about an advisor and this is a question I get routinely.
13:45
So here's my big takeaway for that.
13:47
You got to vet the advisor, not the testimony.
13:50
You asked it straight out, is a Christian advisor better?
13:55
And I'm going to give you an honest answer, but it's not a comfortable one.
13:58
And you know why this is uncomfortable.
14:02
The man who took your inheritance, you met at church.
14:07
And I see this all the time.
14:08
I wish I could say that I don't.
14:10
There's a term for this.
14:11
It's called affinity fraud.
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It's a whole category of scams.
14:15
It's trust built in a sanctuary and it transfers faster.
14:20
And unfortunately, criminals know that because they're one of the people that's in the pew next to you.
14:25
And you assume, well, they go to the same church I go to.
14:27
They must be good people.
14:29
Not always.
14:30
And unfortunately there's a lot of people in faith that are out there scamming people.
14:36
So here's four things I want to encourage you to do.
14:38
Faith or no faith.
14:39
Because honestly, the answer, Lorraine, is it depends.
14:42
Number one thing, whenever you're working with an outsider, get their fiduciary duty in ready.
14:48
What that means is that ask them for an honest advisory email that says, here's what I am saying I'm going to do for you.
14:57
That's what's called a fiduciary duty.
14:59
Second thing, ask them a straight answer about what they're going to charge you.
15:04
You can look, be blunt about it.
15:05
Do you receive any compensation from any source other than me?
15:10
Just ask that question.
15:12
Here's another Thing a lot of people don't think about.
15:15
Even if you're going to have an advisor get a third party custodian.
15:19
A custodian is a fancy way for somebody who holds the investments.
15:22
You can have somebod give you advice and say, here's what you should do, Lorraine.
15:26
Here's the stocks or the bonds or the trade you should do, but don't let them hold your money.
15:32
Companies like Schwab, Fidelity, Vanguard, they are what they call third party custodians.
15:39
You get statements from them.
15:40
You should never get your statements from your advisor.
15:43
Never write a check to the advisor personally.
15:46
Send it directly to that third party custodian.
15:49
And here's one more tidbit.
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You can get a free background check.
15:53
Tonight I'm going to send you to a website.
15:54
It's called brokercheck.finra.org and we'll put that in the show notes.
15:59
And there's also advisorinfo.sec.gov both of those can check the advisor background.
16:07
And here's the thing, number three matters the most.
16:10
Number three would have stopped the Enron Bernie Madoff scandal of 2008.
16:16
Because if you go read that thing, Bernie Madoff was his own custodian.
16:21
He would take the investment people's money and he would invest in.
16:24
That was the entire trick.
16:27
When you do all four of those things, the beliefs that somebody has is a preference, but it's not a safety.
16:32
You can hire a Christian for counsel, but get a fiduciary for custody.
16:38
And some people run it that way on purpose.
16:42
I'm not saying that shared faith isn't a gift.
16:44
Shared faith is a gift, but it's not a credential.
16:48
I'd rather you have an unbeliever who can't touch your money than a brother in Christ who can.
16:54
There's one more thing I want to mention today, Lorraine, and that is you got to give the worry an appointment.
17:01
One of the things I hear throughout your entire listener question is worry.
17:07
This is the practical answer to your actual question.
17:10
You said it yourself.
17:11
You said, I check my stock performance constantly, Lorraine.
17:15
That's not stewardship.
17:17
That's the idol you talked about asking for another sacrifice.
17:21
You can't obey.
17:22
Today's trouble is enough for today while refreshing the app four times a day.
17:26
So here's what I'm going to propose that you do once a week.
17:30
Let's just say Thursday at 8pm that's going to be your money hour.
17:34
That's when you're going to check at your accounts.
17:36
You're going to look at your plan, you can pray about it and enclose that laptop.
17:41
And when that worry starts to rear its ugly head on Tuesday, say it out loud.
17:45
Say it.
17:45
Not now, that's Thursday, 8 o'.
17:48
Clock.
17:49
That's not repression, that's an appointment.
17:53
That worry schedule expands to fill that whole day if you don't let it.
17:57
Verse number 33 comes before verse 34 on purpose.
18:01
What does it say?
18:01
Says seek first, then work the plan.
18:06
Prayer is not a substitute for the spreadsheet.
18:08
A spreadsheet is not a substitute for prayer.
18:12
If you've got worry with no appointment, it's going to run all day.
18:15
It's going to idolize your life.
18:18
But worry with an appointment ends at 8:30 and I want you to test it before you fund it.
18:25
One of the other things you mentioned is this product idea you have and it's actually kind of an interesting thing.
18:29
You didn't mention much about it, but I'm suspecting it's something you know a lot about because you said it's 30 years inside your industry and you asked me for tips about what to do that.
18:39
So absolutely, I would definitely look into it.
18:42
But given what you survived, you went through some scams in your life.
18:46
I think the order matters.
18:47
So here's the rule one, number one thing, don't fund it out of your $25,000 savings.
18:53
That money has a job.
18:54
That's your Runway.
18:56
Give the idea its own budget.
18:57
Let's say $500.
19:00
Here's what I'm willing to spend.
19:01
I'm willing to put $500 in that, but then make it earn its next dollar.
19:05
Talk to 25 people in the industry before you build anything.
19:09
And you shouldn't ask them, would you buy this?
19:11
People are polite.
19:12
This is the problem.
19:13
People are very nice to people with ideas.
19:15
You might say to them, hey, I'm thinking about doing this or oh, Lorraine, that's a great idea.
19:19
So don't ask that question.
19:21
Ask how do you handle this situation today?
19:24
You mentioned that it's something that people need every day.
19:27
Ask them how they handle it today, what does it cost them today and what have they already tried?
19:33
And then maybe take a deposit or take pre orders before spending any money.
19:38
Because if you can't find anybody that's willing to put some money down, even 20 bucks, the problem isn't the product.
19:45
The problem could be there's no need for it.
19:48
You can get a provisional patent.
19:50
It might qualify for something called the USPTO, which is a micro entity status, that's an 80% fee reduction.
19:57
So one of the other things is, go find a real patent attorney, pay them for their time.
20:03
Be careful about this, though, because if you go online, there's a bunch of what these call invention promotion companies.
20:09
Their scams aim at exactly your situation.
20:12
And you already got scammed once.
20:15
So a real asset isn't the idea.
20:17
It's 30 years seeing the problem from the inside.
20:19
So sell it before you build it, Lorraine.
20:22
The market's going to tell you the truth for free, but only if you ask before you spend.
20:28
Now, Lorena, want to go a little deeper?
20:31
Because you told me your plan was to leave your career and help single mothers, and I haven't talked about that at all.
20:37
But then you said the money was taken, Ralph, and the plan died with the money.
20:41
And now you spent 18 years believing a thief took your calling along with your inheritance.
20:47
And I don't think he did.
20:49
I think he took the funding and you assumed he took the assignment.
20:53
But there's a difference there.
20:55
Faith doesn't promise you'll get back the 18 years that you lost, Lorraine.
20:59
I think that ship has sailed.
21:01
And it doesn't promise that the money's going to return or that the man is ever caught, probably will never get caught.
21:07
But what it does promise is that nothing that happened to you was wasted.
21:11
Nothing that you, These journeys you've gone through were not wasted, in my opinion.
21:16
And God hasn't limited to the version of your life that had the inheritance in it.
21:20
Let's go right to Matthew 6:26.
21:22
It says, look at the birds.
21:24
They don't plan or harvest or store food in barns, for your Heavenly Father feeds them.
21:31
People read that like birds are idle, like birds are not idle.
21:35
Birds are not idle.
21:36
Birds are out there scooping up food.
21:39
A sparrow, A bird, it's called a sparrow, works from sunup to sundown.
21:44
They don't have a barn, but they have a stockpile against every possible tomorrow.
21:50
God feeds them through their effort.
21:52
See, they're still engaged.
21:53
They still go out.
21:54
They leave the nest, they go do stuff.
21:57
That provision and diligence were never opposites.
22:00
They're in the same sentence.
22:01
And that's your answer.
22:03
Keep working the plan and stop trying to build a barn big enough to make fear go away.
22:08
You're never going to build a barn big, big enough to let that fear go away.
22:12
There isn't one.
22:13
And that's what you've been trying to do for 18 years.
22:17
So, Lorraine, that plan to help single mothers never required money.
22:22
It Just required you.
22:23
And you're still you.
22:25
And you've got a testimony that is amazing.
22:27
Think about this.
22:28
A woman who rebuilt from below.06 in her 60s, who knows exactly what fraud does to a person's soul, who can look at that frightened young mother in the eye and say, I've been where you are and here's what
22:42
I did.
22:44
Lorraine, that's not a woman waiting for funding.
22:47
You've been waiting on permission.
22:50
Consider this your permission slip, Lorraine.
22:54
You apologize twice for the length and for the weight of what you said.
22:57
But you didn't overwhelm me.
22:58
You trust me.
22:59
And those are two different things.
23:01
And only one needs an apology.
23:04
A woman can name her own idol out loud is most of the way to laying it down.
23:10
Most people can't ever see theirs.
23:13
So, Lorraine and anybody else that's facing a similar circumstance, here's your win for today.
23:17
I want you to write down your gap on that index card.
23:20
You told me it's $1,000 a month.
23:22
And then under that, I want you to write three lines.
23:25
Part time income, savings or ira.
23:29
Put it where you're going to see it every day.
23:31
Now, this isn't meant to scare you.
23:33
It's meant to shrink the beast that you're looking at.
23:37
It's not a budget, it's not a plan, it's not a decision, just a number with edges.
24:23
Because Lorraine, right now, that's living in your chest.
24:26
And things in your chest have no size limit.
24:30
But then on that index card, it's $12,000 a year and you have $25,000 in the bank.
24:36
10 minutes of work, that takes the monster costume off.
24:41
Let's get into today's Bible verse because Lorraine gave us a great one today.
24:44
It's Matthew 6:34.
24:45
It says, so don't worry about tomorrow, for tomorrow will bring its own worries.
24:52
Today's trouble is enough for today.
24:55
Man, can't we all just relish in that today?
24:59
Lorraine, you're not living for today.
25:01
You're living for a version of age 80 that hasn't happened and may never happen.
25:07
Jesus didn't say there's no trouble.
25:09
He said today's trouble is enough.
25:12
I'm not denying the gap.
25:14
I'm just rationing it.
25:16
Every step today is a today's step.
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Just that one index card, that one email, that one envelope, one hour on Thursday.
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That's the whole method.
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Obey verse 34 by giving today.
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That's something you can do today.
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Well, how about we pray that.
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I've got a special announcement for you.
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Heavenly Father, today I'm praying for lorraine.
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Lorraine's turning 69.
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She's tired and she's carrying 18 years of shame for a crime that was done to her.
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And Lord, you know what happened.
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She lost her mother's home to a man who used your church as his hunting ground and she's been paying interest on that ever since.
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So Lord, right now I just ask that you would lift the shame that was never hers to carry.
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And it's done nothing but to slow her down, Lord, so give her rest.
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Her doctor already said her body is saying she needs the rest, Lord, so give her wisdom about when to leave the job.
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Maybe you can provide some lighter work that closes that gap.
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And guard her advisor's hands.
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Give her courage to ask hard questions and remind her, Lord, you haven't lost track of her calling just because the funny disappeared.
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Lord, you already answered her last prayer.
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She asked you to use this mess to help others.
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And right now someone is hearing it and you're using it, Lord, and I just ask this in Jesus name.
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Amen, friend.
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If you wrote that letter or one like it in your head, you did the bravest thing.
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You said the numbers out loud.
26:55
Nothing about your situation has changed in the last few minutes.
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What's changed is it now has edges, it has a shape and six things to do about it.
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So here's my takeaways for today.
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Write that gap on an index card.
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It'll take 10 minutes.
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Trade that job, not the paycheck.
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Maybe you find two days work doing lighter work.
27:17
Fence that takeout, don't ban it.
27:19
Run your advisor through broker check.
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Set that money hour where you worry about it for that one hour and test that product idea.
27:27
And if you've got a question for the show, you know what you can do.
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You can write like Lorraine did or you can send me a voicemail.
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And you can do that by going to financiallyconfidentchristian.com voicemail.
27:38
We'll put a link in the show notes.
27:39
But again, Lorraine, thank you so much today but you can call me and leave me a voicemail@financiallyconfidentchristian.com voicemail Now, I told you about an announcement, so before I go, I have something new to tell you about.
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Starting this Monday, August 31st, we're going to be offering a brand new live show.
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It's going to be called Becoming Financially Confident.
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That's what this show is going to become.
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It's going to be live every single weekday at 11:30am Eastern.
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And here's the best part it's going to be a full hour with me and a co host.
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So guess what?
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You're not going to just hear my voice anymore.
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You're going to hear two voices from completely two different perspectives.
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And yes, we're still going to talk about real bills, we're talking about real numbers, but it's never going to be a jargon and it's never going to be about shame.
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And live chat is part of the story and it's part of the show.
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Your questions get answered right there live on the air.
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But this podcast isn't going anywhere.
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The live show is where we go deeper in real time.
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So if 11:30am doesn't work for you, don't worry about it.
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We're going to go live at 11:30 Eastern and and then the whole show's gonna get released as a podcast episode later that same day.
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So you can hear us live or you can watch it on your drive home or listen to it on your drive home.
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And again, it starts Monday, August 31st, and I'm super excited about it at 11:30am Eastern.
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And I would love to see you there or I'll see you here.
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Cause it's not changing.
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So thank you so much for joining me today.
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Again, Lorraine, thank you for that deep question.
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And don't forget tomorrow we're gonna have Lorraine's follow up question.
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So make sure you join us tomorrow and stay financially savvy.
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May God bless you and you have a truly great day.