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Season 3 Finale: Catching up with Bevin and Mike
35 Plays1 month ago
SUMMARY
In this season finale of Dirty Money with Bevin and Mike, our hosts return after a brief hiatus to catch up on life, love, and major life transitions. Mike shares his grad school plans and vision for a new practice focused on holistic wealth management. Bevin shares personal updates, from a rollercoaster relationship to working at the Sex Down South conference this year. She also has a new job and has just finished training! Bevin and Mike reflect on their journeys and tease exciting plans for Season 4.
TOPICS
[1:50] Welcome Back
[2:05] Mike Updates
[18:55] Money Planning Through Grad School
[26:55] Bevin Updates
[44:20] Mike’s Future Plans
[1:09:55] Plans for Season 4
RESOURCES & LINKS
CONTACT INFO
Bevin Morgan:
Instagram: @bevinmorgan & @temple_eanna
Website: www.templeeanna.com & BevinMorgan.com
Mike Poulin:
Instagram: @mjpou56
Dirty Money Podcast:
Instagram: @dirtymoney_podcast
Recommended
Transcript
Introduction to 'Dirty Money'
00:00:10
Speaker
Welcome to Dirty Money with Bevin. And Mike. A space to talk about financial topics for folks who don't fit into traditional financial spaces. We believe money is a tool for everyone. Our mission is to provide a literal microphone and platform for queer, BIPOC, polyamorous, and sex-positive individuals. No topic is off the table here.
00:00:31
Speaker
That being said, one tiny little housekeeping note. For those listening who may have others with sensitive ears, the listener discretion is but enough from us. Let's get this episode started.
Return from Hiatus
00:00:55
Speaker
Hello and welcome back to Dirty Money with Bevin. and Mike. um ah Yeah, for those of you that are listening or have been listening to us and wondering, what the fuck? Where have you been? um we This thing called life happened. So here we are. um We're back. ah It's a few months since our last episode. So we figured we just kind of touch base, wrap things up, and talk about
00:01:30
Speaker
What's next? Yeah, sounds good. So thank you for having us. Thank you for sticking around. And hopefully, we can entertain you with our life updates today because, you know, lots has happened in the intervening months. So much has happened. Yeah.
Mike's Personal Updates
00:01:50
Speaker
Yeah. Well, thank you, Mike. I feel like you have the most updates.
00:01:54
Speaker
Oh, God. Okay. um Let's see. It's October. um The last time we talked was June. Carry the one. So lot yeah, lots in my life, personally, professionally, um where to be begin, where to begin, where to begin.
00:02:17
Speaker
What I've been telling people is my it's overall been a net positive because with change, with things, with life, I feel like even um things that are hard can still be good. um Personally, right after our last or right before our last episode aired,
00:02:42
Speaker
broke up with my partner. So been single, single, single, single. um And ah we have stayed in contact, stayed friendly. We have stayed in each other's lives. We've just shifted from a romantic intimate relationship to more of a ah digital friendship for now. um And then I hate my job. So it went from yay, new job to like, I don't
Work Dissonance and Grad School Plans
00:03:19
Speaker
know how I feel about it. And now it's official hatred. Yeah, it's so difficult um to work somewhere that goes against like your personal values. So like the way that the company is run and also just our mission
00:03:38
Speaker
client facing is incredible, but that's not how we operate. And the dissonance between the two drive me up a wall. um And so that's been a big driver. and The next step for me, which is using my GI benefits to go to school for grad school. um So originally, if you all remember, I think I talked about it on the podcast. The plan was Seattle. um Applied to two schools in Seattle. um One I had a group interview for, and I thought it went really well.
00:04:22
Speaker
Um, I got an email back saying that I was based off of the group interview that I was not considered for the spring and that they would like for me to quote unquote, do some personal work around diversity and cultural like inclusion and for me to re-interview in February. And I was like,
00:04:52
Speaker
I am so curious what any of that means. Like, what do they mean by that? I was very curious about that, too. And I kind of got a non-answer. And it was just kind of a generic ah response back when I asked. in the And so I had some words that I gave back to them, um ah professionally tried to be as respectful as possible with also ah Yeah, so it was not the school for me. right um As my professional mentor said, that was an icky response from them. They're clearly not the school that you need to go to. right um And then the other school that I applied for just took forever to get back to me. So um and moving is a big thing. um And moving truly across the country.
00:05:47
Speaker
Yeah, so it's like this whole like the whole summer for me was like this big waiting game, and that's not a good place to be mentally, like not knowing what the future even has some resemblance of I'm a planner,
Life and Education in Chicago
00:06:01
Speaker
so. um So in August, I went to Chicago for Market Days, um which is this big music festival, street festival. And it's basically like a second pride, even though it's not necessarily a queer event. It is very queer. um And they basically shut down the street and they have all sorts of performances. They have like eight different stages. They have ah all sorts of ah
00:06:32
Speaker
vendors, the all the bars put outdoor bars as well. So it's just a good time. It's just people being um and it's like a safe space because like they you have to go through security to get even get there. Like it's just like this really it was this really cool experience. um I also performed there. I got paid to dance in Chicago. So that was really cool. um It was a really neat event. i For those of you that remember Jax,
00:07:02
Speaker
um I got to dance with Jax. It was a great, great experience. I can't wait to dance with them more. But I fell in love with Chicago. And um so I started looking at schools and I applied um to a master's in Master of Arts in Counseling Psychology at the Chicago School, which they, if you I've heard of them, theyre they only do like psychology and counseling. like That's all the school does. um It was the most professional um ah process.
00:07:43
Speaker
um I felt really at ease, and that just made me feel even better about applying there. um heard back within a week, got accepted. um They accept the GI Bill and all that. So I start classes in January. So. Which is so crazy because you told me that you told me about this, I guess like right when it happened and you were like, yeah, I start in January. And I was like, oh my gosh, like that's so great. And in my mind, I was like, it's a year from now, like,
00:08:16
Speaker
pages and ages and yeah you're like oh actually it's like tomorrow three months yeah a quarter yeah yeah but um that's super dope though and um so like what is it so say say it again counseling It's a Master of Arts in Counseling Psychology. okay um It's just it it will allow me to become a licensed therapist. That's cool. um If I pass all the the
Future Business and Wealth Management
00:08:46
Speaker
certifications with the intent of becoming a licensed financial therapist. Yes. So all the pieces are starting to fall into place.
00:08:59
Speaker
um In between now and then, I'm also taking my wealth management certification course. I just started trauma of money, which love, love, love. We can talk about that here in a minute as well. yeah um It's so incredible. um And also just kind of like,
00:09:22
Speaker
getting myself set up for kind of this next chapter um has been really interesting. I have also just kind of really been able to focus on like how I want to show up in terms of when I do start my own practice. um I have this opportunity right now to be paid to be in school so that while I'm studying and focusing on school I can also start
00:09:55
Speaker
imagining and figuring out the build that business as I'm also finishing getting like my certifications and stuff like that. So, um, I feel really good about the direction. Um, and just kind of the, you know, a lot of things for me, we can kind of, we can get into this more later, but you know, one of the big things about how I want to,
00:10:21
Speaker
even just charge for my services. I know you and I talked a little bit about this um because capitalism, right? so um But I also want to make sure, you know, I need to live. I need to be able to um provide for myself, to be able to provide for my clients, right? And so creating that culture and understanding and making sure that I'm bringing in the people that want to be a part of something like that. And I'm working with people that want to help others in a way without you know necessarily having to do it themselves. So yeah, it's been really, really cool. Definitely been putting a little bit more time and effort into my business. And and even though it's not even started yet, um I technically can't do coaching on my own right now where because I have an NDA with my current job, whatever.
00:11:15
Speaker
Or non-compete, non-NDA, non-compete. Yeah. I knew you meant. We knew what you meant. Yeah. um So let's see. That's... um Oh, I have... um I've fostered two more Boston Terriers since the last time we spoke. um And the most recent one will be a failure.
00:11:40
Speaker
um ah fail that you leave your home. Correct. Boss or failure is the term. um So he, um Mr. Riley, he's a two-year-old Frenchton. So he's a French bulldog, Boston Terrier mix. And he's just so sweet. And just ah he has a lot of what I call Bella-isms. So my first dog that I had um he reminds me a lot of her which is another reason why i'm like you aren't leaving
00:12:12
Speaker
no nope no um hernated into my heart you were sitting with me for better yeah He also just, his he works really, he gels with kind of like my lifestyle and like, I can bring him places. He's not, um I just took him to a kickball game this weekend and he had a great time. um He is, he was, we're pretty sure he was abused. So we're still a little skittish about things, but we are slowly gaining the confidence and understanding that we are safe. And it's just been really awesome to see him kind of like come out of
00:12:47
Speaker
that space and just kind of come into his own. um That's one of the things I love about fostering. So here yeah. um I think that's everything for now. So you're starting like you're starting in grad school, you have a new puppy, and you're moving to a completely different state in like three months. Yes. That's a lot. Yeah. Do you already have a place picked out in Chicago?
00:13:17
Speaker
No, so that's next step. um So
Financial Planning and Housing
00:13:21
Speaker
I've started, so one of the things too that I, one of the things I was researching with new locations is um ah different cities that have a high cost of living but also have different rent control programs. So Seattle, that was one of the big reasons Seattle was the top because it is a very high. um So in for those of you who don't know, the um when you're in the military and you get out and you are discharged honorably and you get all of your benefits, with the post 9-11 GI Bill, but for the month that you're in school, not only is your school paid for, but they give you what's called a basic allowance for housing or BAH. And it's based off of the zip code of where the school is if you are in person.
00:14:11
Speaker
um If I was if I decided to stay in DC and just take an online program, I would only get $800 a month for that BH because I'm not physically in that place. So in Seattle, the BH was twenty six or twenty eight hundred. And um so more than I make for my job.
00:14:35
Speaker
ah Damn, that's crazy. ah wow but It's tax free, so it's not considered income. um and then the they The city of Seattle has an incredible program where if you make under a certain amount of money, yeah um you qualify for, I think, a a one bedroom in Seattle. um I could have qualified for like $1,600. And I'm talking like a like ah ah new build, high rise, nice apartment. And so basically they have offer these tax incentives for the management companies and the construction companies.
00:15:15
Speaker
if they offer 30% of each of their floor plans as part of the program, then they get this huge tax incentive. um And so Chicago has something very similar called the ARO. I forget what it stands for. um I'm having a little bit harder time. I talked to the housing authority and they're like, you have to talk to the specific rental unit that you, because like on their website, they have all the rental like agencies that participate in the program, but then you have to go and talk to the each individual rental agency. And no one seems to know if I would qualify for it without with just having my BH and my disability. So just from my income perspective, you mean? Right, because technically it's not considered income. OK.
00:16:08
Speaker
But I am between my two sources of income. I would be I would definitely I would not technically qualify for the the theyre the cap in terms of like the annual. But the stuff that I have is legally cannot be legally considered income. So I'm trying to figure out if that's if that will basically say I'm not making any income.
00:16:35
Speaker
Well, so just like get approved for it while you still have your job and then leave your job. That's another option. Official advice from Ben. Thanks. Um, yeah but it's, you know, it's tough because it's like, yeah, I'm not going to, I mean, I could say that I'm staying there because it is remote. So I don't know. We'll figure it out. But that's the next step. Um, part of me is also thinking about maybe dry. So it's only like a 10 hour drive. I feel like, let me double check. Hold on. I feel like right from I remember it's like 10 or 11 hours from here. Okay. One second. I need to, we have to, I think it's like six hours from Lexington, Kentucky.
00:17:18
Speaker
um And then directions. Yeah. Lexington is farther north inch than D.C., right? Because it's basically Ohio. So yeah, yeah, 10 hours, 10 hours and 43 minutes. So, uh, well, Lexington is just further west. Okay. It's Lexington is actually a little bit further south in DC. It looks like on this map. Interesting. All right. It might be very similar. I don't know. You know, I don't know how.
00:17:48
Speaker
I'm not into geography. Right. But yeah, it's like an 11 hour drive. It's 700 miles. um So like I could definitely do it in a day, but I can also do it in two. um But I think I might drive up there for in November to like really like go and look at apartments because it's not like I have to fly. So yeah.
00:18:10
Speaker
And I have a lot of friends there already, so I don't think I would have a problem crashing on a couch. So lots happening. um well that's good So as this is a money podcast, and we've already we've talked about your rent situation, and like which is it's interesting to me because I've never lived...
Supplementing Income and Relationship Updates
00:18:33
Speaker
I don't think they have like rent control in Atlanta. like It feels like a very like Northern concept.
00:18:39
Speaker
Right. And so that's interesting already. But then I think, um you know, so you mentioned your GI Bill is paying for school, which is so dope. I'm happy for you. Like that's amazing. So then what are you going to do to buy groceries?
00:18:56
Speaker
Well, so I get my VA disability once a month, which is 2,400 a month. Yeah. Plus the, so the BH in Chicago, I believe is 2,400. It's a little less than Seattle. So I'm going to be bringing in 4,800 a month to live off of. That's amazing. If I decide to not do anything else other than school.
00:19:25
Speaker
And that's non-taxed, right? Yep. So literally like you could be a barista and you would be fine, probably. Right. Or, you know, um there's so many opportunities to go-go dance in Chicago. Like a lot.
00:19:41
Speaker
So, um I ideally would like to kind of lean into that a little bit more. um And so that typically is all under the table too. But also like, what a great way to build, commut I mean, I know you already have a lot of friends there, but like to really plug in and like, yeah, that'll yeah that'll be dope. Yeah. See, these are these things, are they're just, this is the universe sending you where you need to be. Yeah, for sure. Absolutely. You know, I was definitely kind of,
00:20:12
Speaker
i wasn't I was really looking for, I loved visiting Seattle. I really could see myself there. um you know It's funny, I was in still the process of applying when um my partner and I broke up. and um You know, we've actually stayed in contact because him and his husband are moving to Seattle um in January. So now we're moving kind of at the same time, but we're going different places. um So we've been able to kind of commiserate about that. But also, yeah, just from a money perspective and like I think they were saying that they're looking at um
00:20:56
Speaker
you know, to move them cross country and also to like ship the car. Right. I think they were saying that they were getting quotes around like eight, nine thousand. Right.
Moving Logistics: Chicago vs Seattle
00:21:08
Speaker
Yeah. And so, um you know, I am starting to kind of figure out but how I want to do that. And I just had a conversation with a a company and white, basically white glove service, like they come in, pack everything,
00:21:24
Speaker
Uh, haul it away. They meet me in Chicago at my apartment and they, is she's like, it's a, it's very much a, you stand there and point and tell them where to put everything. Um, it's 3,500. So like, it's like a third.
00:21:40
Speaker
A third, and like, it's just the, so moving halfway across the country compared to completely across the country has some benefits as well. um Along with being closer to family, you know, all my family's still on the East Coast, so um I could still drive home if I needed to. I don't have to, I don't have to fly every time where I feel like if I did move to Seattle, any time to see family would definitely have to fly.
00:22:06
Speaker
And also i don't I don't know a lot about flights out of Chicago or out of Seattle, but I feel like O'Hare is kind of like, it's a hub for United, isn't it? So yeah. Yeah. Yeah. so And there's technically two, there's also Midway.
00:22:21
Speaker
Oh, sure. I forgot. and forget Midway tends to be cheaper, but it's a little bit further outside of the city. But that's that's where I actually flew into Midway for the Southwest ah DCA to Midway was pretty cheap. Nice. So long story short, everything is happening in your highest good, and you're making financially smart decisions. As best I can. yeah you know you know We do what we can.
00:22:53
Speaker
And I mean, it's all life's all about balance, right? So in the non-financially healthy decisions, I am also in the process of getting a sleeve tattoo. So, which I'm trying which i'm trying to get done before I leave, because the artist here is incredible. This is your first tattoo. This is not your first tattoo, is it? No, this is this will be number six.
00:23:21
Speaker
yeah Have I seen your other tattoos? I think so. i'm like I feel like I stayed at your house for several days in a row. One right there. Okay, I love that. I have this one right here. I've definitely seen that one. I have two here and I have one back here. Okay, all right.
00:23:41
Speaker
So when I wear a tank top, you can see most of them. OK, OK. Yeah. But yeah, so the sleeve, he's actually going to like. So this is my first tattoo when I was 19 and he's going to basically work around it and it's going to be all this like geometric um ah hexagon stuff. So yeah, I wasn't my first appointment wasn't supposed to be until the 28th.
00:24:09
Speaker
because that's how far booked he is. yeah But he just texted me today and he has someone canceling on Friday. o So getting my first appointment on Friday. Wait, but so how how many hours are you going to end up sitting? um Well, he said it's probably going to be like four to six sessions. okay It's going to be a long time. Like three hour sessions?
00:24:33
Speaker
Um, he basically told me, um, sessions will start around noon and we'll work on you until like your pain tolerance can't change. Like, yeah yeah. Yeah. He goes, so he, he goes, obviously I'll have some breaks in there, but he goes pretty much that you're here the whole day. So that's how he does it buckle on up. Yep. All right. Well.
00:25:01
Speaker
I believe in you and I'm excited for you. That's fun. Yeah. Yeah. I'm very excited for that. Yeah. Okay. So, you know, a tattoo is never a bad financial choice unless like you can't because of it.
Tattoo Plans and DC House
00:25:18
Speaker
I will definitely be able to eat. That's for sure. That's good. Um, but you know, it's like, it was like, is this the best time to do it?
00:25:29
Speaker
It's art. we can't We can't stop art. We can't rush it. you know it just It lives in its own space. Right. and you know um I'm going to keep the house. I'm going to rent out. so the um so i'm not i One, I can't sell it, just I would be taking a loss. The market still is
00:25:58
Speaker
It's not necessarily that we bought over price. It's just um the amount of money that we put into it after buying it. got We wouldn't get that back. And so I don't want to sell just yet. so And my roommate is ah great, my current one.
00:26:18
Speaker
um he is ah the best roommate, like literally. um And so he knew when he moved in that there's a potential that I was gonna be moving and going to grad school. So all that's working out, we're figuring out, we won't need to find him a roommate that has like living room furniture, because I am taking my furniture with me.
00:26:42
Speaker
like guys ah like Sorry. um As much as I'd love to buy a new couch, I love my couch, so it's coming with me. Sounds good. Sounds fair. But yeah. Yeah, so that's that's the 26-minute update on me over the last four months. Four months? July and August, September. Yeah, four months. Yeah.
Bevin's Relationship and Career Updates
00:27:06
Speaker
You have a lot, too. What have I been doing? I don't even know.
00:27:12
Speaker
um like I, who can say no. So this last four months has just been like an emotional ride for me. Um, definitely lots of ups and downs. And, um, one, ah like, i you know, so I'm dating someone now and he and I actually started dating in January. Um, and we like, we just like broke up like three times, you know, and now we're back better than ever.
00:27:44
Speaker
ah so ah So that's happening, but it's been great. I'm happy to be with him. um Just, you know, this is also a sexy podcast so I can talk about these things. Yes. It's a unique situation because while he and I are both ethically non-monogamous, his other partner is not. And so she like has a vague idea that I exist, but doesn't want to know that I exist.
00:28:15
Speaker
But she is aware, like not necessarily about who you are or what you look like, but that like he's dating somebody else. Hopefully. We're going to say yes. Yeah. So like like they like like they have argued about me and I really don't know like where things stand with them because we don't talk about it. who that's That's the choice that I'm making right now.
00:28:46
Speaker
Yep. Yep. Yep. But from my perspective, things are great. So I'm going with it. i um We can circle back to that because I actually have something similar happening right now. um But I want to hear the rest of your updates. say And so and then um ah then so another big thing that happened is I was on the staff for Sex Down South this year.
00:29:16
Speaker
Yes. Congratulations. Thank you. So for anybody who's listening and doesn't know what that is, Sex Down South is an annual conference that happens in Atlanta. This was our 10th year and I volunteered for them last year. I was on staff this year. And um honestly, the main difference between volunteering and staff is that on staff, I make a small stipend and I work many more hours.
00:29:44
Speaker
However, ah it um it was it was very it was a cool experience. I got to spend a lot of time with the two co-founders of the event, which was really cool. It was a great way to like connect with community. And um it went really well this year. like It was a great conference, but literally I did not stop like from the moment it started until it ended. so like I got to go to like half of one workshop. I was literally backstage at like all of the big events whenever, you know, people are like in the dungeon and like being tied up and stuff. I was like, I must sleep now. Like I'm exhausted. So that part kind of sucked, but I feel like I learned a lot and, um you know, it was just, it was kind of a cool experience. So I'm still associated with that and hopefully next year,
00:30:42
Speaker
we can plan ahead more so that I can have more balance with a conference. That was cool. And that that actually like occupied a lot of my brain space. Yeah. I remember texting you, I think like as you were like in the thick of it and I got this like very half like cohesive text it was like working sex down south can't talk it was like very like very much like i was like oh she busy um yeah like it wasn't it
00:31:14
Speaker
Yeah. um and So I was like, okay, well, she'll message me when she's done. It's fine. um And I think, well I'm wondering, is it like almost like, especially I feel like your first year, like maybe being around staff, you kind of have to like, did you feel a little bit like you needed to like earn your keep? Oh, that's an interesting question. um Honestly, I think I, so when I volunteered last year,
00:31:44
Speaker
i I felt like I had come home. It was one of these things where I was just like, this is the most, like this is the safest, friendliest, warmest space I've ever been in. I feel instantly like I know all of these people and I want this so badly. So I think when I came back this year as a staff member, I was just like so all in and like enthusiastic about it.
00:32:13
Speaker
that I just said yes to too many things. ah Yeah, yeah. You're like, I can do it. Right, exactly. Watch me. Here I go, yeah. Love me. this Yeah, exactly. but yeah So um so like it was it was too much and I was thoroughly and utterly exhausted when it was all done. And it literally took me like 10 good days to recover.
00:32:42
Speaker
So and so in the midst of all of that, literally like the maybe a day or two before we were actually like on site for the conference, I received a job offer. So ah money, money, money, money. um But if I was better, if I was better at editing, we'd insert like some fun like dollars and sound effects too. bu up but but bow that um use your imagination people you ye You know what we're doing here. um But yeah, so like I was technically supposed to start training for this new job while Sex Down South was happening, which just was ridiculous to even assume could happen. But all of that being said, I'm officially done with the training for this job now. And they should be providing me with clients soon.
00:33:41
Speaker
but that hasn't started yet. so we're So I'm still kind of like in this middle period of this new financial coaching job that I took on. Yeah. let's Can we unpack this a little bit? Because you kind of talked about it. i'm um If I can be candid, okay it sounds a little pyramidsky-y to me.
00:34:06
Speaker
Um, and as, as your co-host and friend, I am just concerned about your wellbeing.
00:34:17
Speaker
oh there Can you, yeah, explain the model again, because I just want to make sure that I have all the dots connected. Absolutely. Yes. Let's talk about it. So for our listeners and for you, Mike.
New Role with TARDIS
00:34:34
Speaker
Um, I have joined a company called TARDIS Wealth Strategies, which is based in Hawaii, which I find interesting. And it's funny because, um, the founder is a black woman named Tanisha, which I love. Um, but she lives in Hawaii and I like, I don't know where she's from. I really don't know anything about her, but it i am the I am the type of black person where I'm like, if I see another black person doing something, I'm assuming that they're like, I am for that. Like I'm rooting for everybody black. It's going to be all black, everything. And it's, it is not like that at all. Not like that. But that being said, I don't, I also, you know, I don't think she's like a bigot or anything. I just, it's not like that. right But right that being said, this company's, um,
00:35:26
Speaker
what What do we call it? Their business model is this. All of the clients pay a flat fee, which we love. And um there are literally no commissions. We don't have any affiliate partnerships. Like literally the only revenue that the company makes is from the flat fees that our clients pay us, period. So that's great because when it comes to your money, you really don't want people like incentivized to sell you products.
00:35:55
Speaker
You don't want right people to like incentivize, like push certain brands on you or whatever. So, so far so good, right? But the part where it gets, where it gets confusing good is that what we are coaching people on is something called the income snowball. So the income snowball is literally a system that Tanisha, the founder patented.
00:36:24
Speaker
So like she has a patent on this system of okay investing or whatever you want to call it. And so what happens is um in order to make the snowball work, you literally, first you have to figure out what your monthly cashflow is. So let's say like after you've paid all your bills and everything, you have an extra $500 leftover at the end of the month. So you take that $500, multiply it by five to get $2,500 and then we say, okay,
00:36:52
Speaker
Now you need to go get a $2,500 line of credit. So that's step one. So now you take your line of credit and you go spend all 2,500 of those dollars on what they call fast burning fuel. And so ah one of the main examples of that is peer to peer lending. So like you go and you buy you know, $125 or like you go lend $25 to 100 people on this like peer to peer lending platform. And so now all 2,500 of your dollars have been deployed. Okay. But the idea is that you take whatever money you get back from those loans on a monthly basis, plus your $500 cashflow and you pay your line of credit back.
00:37:48
Speaker
And so with that time, like with what you have going on, you should be able to pay back your entire line of credit in like four months. Okay. But your loans are amortized over two years, two to three years. So even though your line of credit has been paid back in four months, you're still getting your like loan dollars back for the next three years. If So I guess my question is like, typically peer to peer lending, what kind of risk is involved with that? So, I mean, it depends, right? So like, since since you're lending money to actual people, they can absolutely default on those loans. The idea is that since you have
00:38:36
Speaker
Um, spread your lending over divers diversified. Right. Exactly. Right. Like maybe 10% of them default, but the other 90% actually do pay you back. So your, your return on investment ends up being like six to 8%. Right. But so the idea though, is that, all right. So you're getting back, we'll call it $50 a month from these loans, but then you've paid off your line of credit in four months.
00:39:04
Speaker
So now you take your $2,500 and you do it all over again and now you're getting $100 back every month for your loans. And now you can pay off your line of credit in like three and a half months is instead of four months. And then you do it all over again and then you do it all over again and after a while you have like $250 coming back from your for your loans and then you like buy other things and eventually you increase the amount of lines of credit that you're getting and so on and so forth and it's just, it's a whole thing.
00:39:33
Speaker
But what I am coaching people on is like how to like stay the course, essentially. Right. Yeah. I can see that being very important because it's like, yeah, the idea, I mean, for, I mean, for you and I, this idea makes sense, right? I, I understand how that's a model, but the idea that just
00:39:59
Speaker
random people could follow it and stay the course by themselves. and it's a yeah yeah You yeah get lost in the sauce after, you know, and then but the thing that's so wild though is that they've been in business for 20 years. So they have many, many clients under their belt at this point. And so I look at certain, like some clients profiles, like as I'm going through the training and there are people literally getting like $20,000 back.
00:40:29
Speaker
from all of these different like loans and investments and things that they've done. And so you know when you see people getting like 20, 30, $40,000 per month back, folks are like, well, shoot, let me just buy a car or whatever. And so again, as the coach, you have to be like, so let me explain this like house of cards that you're building. If you pull out the base card, like all this other stuff's gonna go away. So you really have to help people understand like this is all towards a goal of, in my opinion, I feel like the smart way to do it, a goal of like eventually taking your $40,000 instead of investing it in peer to peer loans. Like eventually we're going to put it in the stock market in real estate and like long-term, like slow yeah things. Yeah. So, um, so again, so it's like, is it, is it,
00:41:25
Speaker
unique? Yes. Is it something unlike I've ever heard of? Yes, it is. Am I telling my friends to do it? Not yet. I'm going to give myself like six good months of coaching to be like, is this real? But, you know, they also have some strong testimonials to point to. so Yeah. And I mean, if the company's been around for 20 years, like it's at least some sort of profitable. um You know, I think I definitely, I feel like as a coach, you know, my when you first told me, I was like, ah.
00:42:04
Speaker
<unk> right what Wait a minute, wait a minute, wait a minute, wait a minute. Yeah, i am I am very curious as to how, um now that you've kind of kind of been through all the training um and like once you start getting clients, I'm curious to see how things kind of shake out for sure. Yeah, yeah so so am I. But the things that make me nervous is that um I'm pretty sure the majority of my clients are going to be like nearing retirement.
Coaching Philosophy and Financial Freedom
00:42:36
Speaker
I think they're going to be people who are already kind of like risk happy when it comes to like, Oh, you know, I'm good. I just, whatever it takes. Like I'm investing in crypto. I'm doing all these things, you know, show me some of those kinds of folks. And then, um, I've already note, like a lot of people are very concerned about their taxes with, you know, with good reason, but, um,
00:43:02
Speaker
I'm just like, I don't want to talk to people about taxes all day. So we'll see. I mean, um I'm sure I'll learn a lot. And my goal is to reach financial freedom as quickly as possible because as much as I enjoy helping people like regulate their nervous system around their finances,
00:43:29
Speaker
I don't want to have to think and talk about money all day every day for the rest of my life, if I can help. Yeah. For sure. Yeah. And I feel like a lot of folks feel that way. And that's kind of the whole point of the coaching. But um I also feel that way. you know like and don't i One thing I realized is I'm not a financial coach because I love finances. I'm a financial coach because I love coaching. And finances just happen to touch every single part of my lives.
00:44:00
Speaker
Right. um Yeah, I, um that kind of rolls into a similar topic, um if if you're if you're cool with with that. um That's actually kind of like my, like with with my financial wellness practice, I'm still a workshop in the exact name. But I think that it's so true that like I think one of the biggest issues with my current job is we aren't allowed to even talk to our clients about investments or retirement. And I'm like, how are we supposed to actually help people live but like better financial lives
00:44:55
Speaker
We talk about, i I'm not gonna say his name. Our CEO talks about silver rights being the next step of of um Martin Luther King's civil rights of like freedom, financial freedom and like, but all they care about is increasing credit score, paying down debt and increasing savings so that they're good um customers for our partners who are financial institutions.
00:45:25
Speaker
And so like we don't, there's not a holistic approach to finances. And that is what it it just drives me up a wall because it's like all we're doing is getting them in good graces so that they can get another loan. like That's what it feels like. and That is not the approach that I take with my clients, but our k they only care about KPIs and they only want, and I'm getting in trouble because I don't have 25 different clients booking me in a month. And I'm like, I can't force people to put time on my calendar. I can reach out and I can create space for them, but like,
00:46:09
Speaker
I mean, I typically see probably 15 to 18 people on top of like the workshops that I do, but like and I have a portfolio of 90 clients, but like They're not all booking me, but they're like, well, you you need to get on the phone and call them. And I'm like, that's not my approach. Like I don't, like I'm not that type of person. I'm not going to hound and badger people. Like just so that I can make my KPIs like that. When do they want you to talk to them about in these meetings?
00:46:44
Speaker
how they're how they're doing with their money and like this and that. And I'm like, if they don't want to put time on my calendar, I'm not going to force them to. like That is the expectation that I, and I make that very clear when I talk to them, like, hey, we're going to have these meetings. I'm going to reach out once a month if I don't hear from you. But also, like you can literally go into the portal and you have access to my calendar right there. like You can book me whenever you want, 24-7.
00:47:13
Speaker
so like is just like the whole aspect of like the idea of of total kind of like the total picture. right um One thing that I recently started doing um with my clients in our sessions is I actually got this from a ah CFP and um graduate of trauma of money that I recently connected with. We do a non-financial wealth
00:47:45
Speaker
um Exercise so we have categories of assets and liabilities and we go we I have them assign a number to each of those categories um One to ten for assets is how abundant are they in your life? So that includes like time friendships mental health physical health um that sort of stuff and then liabilities is one to ten and 10 is how much are they impacting your life negatively. So that includes bad habits, stressors, and um unhealthy relationships.
00:48:21
Speaker
um and I assign it out of, and we do a total and a percentage, that you know the assets minus the liabilities to get a percentage, but I often tell them, you know the goal isn't to get 100%, right? The goal isn't to have 100% assets and 0% liabilities to get 100%. The goal is not to get That's just not realistic. The goal, the reason we assign these numbers is so that we have a baseline. So as we've worked together and as you go through this journey, you can see how things are shifting to help give you that bigger picture of like, you know, as my debt decreased, my mental health increased and like, so you can see kind of your, so maybe if your savings didn't, you know, you know, numbers wise, but Hey, look, some of your non-financial assets are growing.
00:49:13
Speaker
um And so just helping people think about wealth, not just money. I love that. i love um And so I've been really taking that approach and that's what I want to kind of view things in my practice.
00:49:30
Speaker
But as you know, you started your own coaching business. I attempted to do it once already. We've both worked for a company that is great, but also has needs investor money. um You know, we were constantly, you know, so it's like, how do I make this needed It's needed. like People need someone to help them talk about money. right like There's a reason. This isn't a made up profession. like This isn't a made up like industry. It is real.
Holistic Financial Approach
00:50:08
Speaker
But how do we how do I make it that it's not one I'm not going to burn out?
00:50:16
Speaker
And two, that I can be in a place that I want to be personally, monetarily to ensure that I'm okay, right?
00:50:29
Speaker
And so I think the final piece of that puzzle for me is um one, introducing equity-based pricing. um So a tier system based off of my client's income. So that makes it more accessible to the people that need it, but then the people that can afford it know that, hey, I am paying more for this service, but I am getting X, Y, and Z out of it. And that means that other people who may not be in the same place that I am,
00:51:00
Speaker
are going to be able to access these services. And then the last part of that is getting those wealth management clients, where I am helping them manage their portfolio, so I'm getting passive income from those clients that are going to help facilitate being able to help other people, right?
00:51:22
Speaker
So different sources of income. And then also um I created a kind of a financial roadmap based off of kind of like the hierarchy of needs, right? I don't remember that all of the specifics that I used. Give me one second. um But i this is kind of like the base for my business and kind of how I see um with the different certifications and things that I'm working on, I'm going to be able to help people at any stage of this roadmap, right? And to help them through those. So one, the first stop is safety. So that's just your basic needs are being met, right? hi Breaking even. So if you're, you know, you see clients all the time, right, where we're not even
00:52:15
Speaker
Not even talking about spending, right? We're just bills. We're not even, we're not bringing enough money to, to pay our bills, right? To, to just survive, right? So step one is getting to safety, right? What does that look like? You know, for each individual person, that's going to be a you know a different journey.
00:52:33
Speaker
But, you know, basic needs are met, food, housing, transportation, daily expenses, minimum debt payments. Maybe there's a little bit of room to start saving at some point. Next stop on the road map is protection. So these are things where you're building off of that foundation where, you know, we're past the um the kind of like triage or like bleeding, like we are, we're in the black every month.
00:53:01
Speaker
We have a little bit more room in the budget. We're actively saving for our emergency fund. Maybe this is where we can start looking at maybe term life insurance if we don't have it, ah you know, disability, depending on their job, if it's something that they probably should need if they're, you know, very physical job. And, ah you know, just taking a look at, you know, is is these types of insurances something that you need type of thing, not pushing it on everybody, right?
00:53:29
Speaker
um And then also you know paying more than your debt minimum. So maybe putting together some sort of payment plan, extra pay down, that sort of stuff. The next stop is growth. So we have safety, protection, growth. um This is where they're going to be able to focus more funds on their retirement, other investments. Maybe we're at a point where most of our debt is paid off. Maybe we just have the house or car, you know something like that. um Or growth is maybe where we're saving for a down payment on the house, right?
00:53:59
Speaker
might look different for everybody, but there's kind of like pillars and things that kind of like assess where we're at for that. um Next up is freedom. So this is more long-term goals.
00:54:12
Speaker
um really be able to contribute to investments outside of retirement. Maybe we're also maxing out retirement or maybe we're close to retirement age, right? um And then also be able to shift for things like college education, if they have kids or end of life care, what does that look like? What are things that we need to start thinking about before we get to retirement, right? And then the final stop is legacy. And I love this because it's like,
00:54:40
Speaker
what do you want to be remembered for, right? We're at a point where we have built and put in this work, um you know, kind of checked all the boxes here and there. What's next? How do you want to, um you know, this is a state planning. This is, you know, maybe charitable contributions. This is like things like how do you want to, what's your goal in terms of how you want to leave your legacy, right? So that's kind of like,
00:55:13
Speaker
the roadmap that I've created and how I i i view financial wellness, right? It's like there are there are things that you just can't do, right, if you're not at a certain spot. And that' it's okay too, right? It's like but and so helping people kind of understand where they're at. and And so this is how I'm building off just my whole process of like, how do I want to show up for these clients? How do I want to intake them?
00:55:43
Speaker
I want them to educate be educated about this roadmap and the idea of like, let's figure out where you are and let's figure out how we're going to get you to those things. I want to know what's important to you as you know. the and so we do the fifth um But I think this just puts a little bit more concrete of like actual stops where I feel like where we used to work, it was just like, let's figure out your roadmap.
00:56:06
Speaker
Right. Yeah. And just like, here's an analogy for us to like. Right. And yeah. So I took actual psychology of like hierarchy of needs of like emotionally. What do we need as humans? Right. And like equate that to finances because finances are emotional. Right. um And so, yeah, this is I'm.
00:56:29
Speaker
This is my five-year plan.
Balancing Emotional and Financial Coaching
00:56:31
Speaker
This isn't something that's going to start tomorrow. um But I'm really excited to be able to be able to take all these experiences that I've had from seeing how different financial wellness, financial literacy organizations operate and be able to be like, this works, that didn't work.
00:56:53
Speaker
um I think we could try some of these things and be able to do that on top of kind of the therapy and the um be able to have those tools and skills to um just help people wherever they're at. I like that. I will say though, for me, one thing that I've noticed is So as I've been coaching clients on my own, I haven't had a ton, but I have had enough to like, have some real experience. And yeah when I am working outside of an infrastructure,
00:57:30
Speaker
I mean, I just I get really into the head and heart space of it all. And um even when I was working at the company that we worked at, people were like, this feels like a therapy session, you know, and I, I feel like I really lean into that a lot. But there is something to be said for just doing the numbers, you know, like getting to the cut and dry pieces. Um, cause I get lost in the sauce. Um, you know, and I, I, I feel like I get to a point with people where I'm like, you know what? Money's not even real. Like let's just not even talk of it. Like, you know, so yeah um, yeah. So all of that being said, I do like that you have clear
00:58:14
Speaker
tranches, I guess, of like, we yeah we need to worry about these things where you're at right now. Like, here are these clear goals, check things off, you know? Yeah. Right. And it's, but it's also, it's a very clear, like, we're gonna get there, right? Because I feel like a lot of people, when we are, um what I experienced a lot is, if we were only ever talking about when you don't have the full picture or you don't necessarily know what the route's gonna be, it's really hard sometimes to start or like,
00:58:52
Speaker
if they're really dead set on, well, I really want to get into investing. And it's like, well, baby, you're not here there. You're not there yet. right like it's Like, we're gonna get there. I'm gonna get you there. But like, let's do these things first, because these are going to help you get there. You have to do these things first so that you can get to there, right? Like,
00:59:13
Speaker
right Have you ever seen the meme, there's like a little boy and he's like got his foot on the first step and he's like putting his eyes on the first step.
00:59:25
Speaker
Yeah, like all the steps you're supposed to do. for anybody yeah that is like yeah All of them. Yeah, exactly. Saving money, boo, crypto. but Like that's what we're going to do. Yeah, don't want not first, not the first step.
00:59:38
Speaker
Yeah, and you know it's it this is something too where you know i've I've been um talking with a lot of financial therapists. And when clients are in stage one or two, especially if they're in stage one, the therapist can't help them. They're not equipped to do the coaching. They're not equipped to talk about the numbers. um I think ethically they may not be able to.
01:00:07
Speaker
um And so I don't necessarily know. there's It's a little gray area right now. And so I've actually been having clients be referred to me from financial therapists because they've come to the financial therapist for help and they're like,
01:00:22
Speaker
therapist is like, I can't help you work on the trauma or the habits yet because I, we just, I don't, we don't know what's going on. Um, so I actually had this one client, um, recently who, um, you know, just.
01:00:40
Speaker
she's up at night figuring out what she could sell on Facebook Marketplace to be able to feed her daughter, right? Like yeah reality. And like she makes good money, but the problem is she recently got divorced and has all this debt and she went from how, and part of my job was just helping her understand. I'm like, wait, so like I just put it in layman's terms. Really? We're doing all the numbers. And I was like,
01:01:02
Speaker
you had two incomes, right? And she's like, yeah, I'm like, so you had a loss of income. Like when I put it in that frame of mindset for her, she realized that she wasn't a bad person or that she was bad with money, right? It was just like, you went from having two incomes to a traumatic life event to having one. And you ah you had this debt and you had this stuff from before and part of this debt was you buying a bed so that you had a place to sleep. So like, I'm like, let's, the numbers are there that they are what they are, but like, let's look at it from a realistic ah understanding of like why, right? And so having her get that mindset of like, oh,
01:01:46
Speaker
Yeah. And like it came down to like, she is going to go talk to a bankruptcy attorney because she has 70,000 of debt and she isn't even making it. She makes good money, but she doesn't have enough to even buy groceries. And so like going into chapter seven is going to give her with 250 a week spending is going to give her... She lives in North Carolina, so I think the 250 can work. I don't think it's too... ah she like she She'll work it out. She's been pretty frugal right now. um So 250 a week I think is gonna feel ah like a lot. um And that's still gonna leave her $700 a month to start putting towards her savings. That's great. I love that.
01:02:37
Speaker
But also, like can we talk about how her divorce led her to having to have $70,000 in debt like that? Yeah. What the hell? Why is it like that? I don't like it. Oh, that's like a whole other episode. You know, it's crazy though, because like i've I am divorced. I i was divorced. like I went through a divorce. and um i I don't know her situation, obviously, but I feel like this is one of those places where like money and emotions, like somebody somebody has probably written the book and if they haven't, they need to. I feel so lucky because despite the fact that um you know my ex-husband was apparently heartbroken when we got divorced, he's also this just very logical person. And and we both, we kind of had a conversation as we were considering splitting, like
01:03:37
Speaker
splitting yeah where it was just like, well, if we were to get a divorce, what would you want to do? And we just wrote it down on paper and it's like, you get this, you get this, we sell the house, you take this, du toda and that's what we did. And he, yeah like, he kept waiting for me to flip the script for some reason. He was like, I just feel like you're gonna get emotional and try to like take all my money. And I was like, based on what? But at the end of the day, literally it was just like,
01:04:04
Speaker
sell the house, you get this much, you get this, but this you know, yeah and then they got like, it was all over in like nine months, you know? Yeah. Well, so I am literally going through it right now. Yeah. Like yeah my my my husband and I have been separated since December. um The first part of that was uncoupling our finances, right?
01:04:30
Speaker
Who better to help with that than a financial coach? um and But you know ah in our conversation, a part of that was part of our relationship was the fact that he was so anxious with money, right?
01:04:47
Speaker
where You know, I've always been up for I never hid anything from him, but I also never really talked to him about money because unless if we really, really needed to because I knew it stressed him out. And so part of that process as we were separating was.
01:05:03
Speaker
let me help you get set up, right? Like, let's figure out what this looks like. I sat down. He basically became one of my clients where it was like, here's how I run things. This is how I've done things. This is yours. This is mine. um You know, fortunate enough where I was pre-approved for the house on my own,
01:05:30
Speaker
before I had the job loss. So I don't need to refinance the house because the house is only in my name. um So very fortunate that but we have, it has been so because money, I've never been scared to talk about money.
01:05:48
Speaker
And we have talked about money. it's just it was I think I talked about this before. It was like, you have to figure out how much he wanted to talk about it. That was more my concern rather than like talking about it. right It was more of like, how is he going to feel about it? um And we were able to we had bought a new car.
01:06:09
Speaker
like eight months before we split. It was a very high payment and it was a pretty, it was a bigger car cause we had the dog and it was like, neither of us wanted that. And I was like, okay, so let's sell it because we put ah quite a bit of money down on it and it had kept its value. And then I was like, let's use those proceeds to, um,
01:06:34
Speaker
Hello. Okay. Hi. Your video went away for a second. That was weird. Yeah. Um, so we use the proceeds to get him a new card, something that he wanted. So we like sold the car through Carvana made money back. We made like eight grand back. We used a little bit for a down payment and then he used the rest or something, or we split the rest for savings. Um,
01:06:57
Speaker
since we had both used, it was like our savings. And then, um so we got the car situation figured out. I helped him get his own car insurance. I helped him get his own, um he's still technically on my health insurance, because we're still legally, we're legally married, just separated. um And because it's cheaper, because I'm in the military. So he just basically once a month, he pays me for his cell phone, his um because we have a family plan with a bunch of people says because capitalism. Right. ah um And then health insurance. And then we also have we do have a personal loan that we use to renovate the house. um And because it was used to renovate the house and he agreed to pay continue paying half of it.
01:07:51
Speaker
um because it was something that we did together even though it's just in my name. And so we've just recently kind of put all of those things in. um an agreement and we've you know we're still friends. we still We're still on the same kickball team. We still spend time together. But like we just don't live together anymore. and we don't Our lives are still connected but separate. And so we had the conversation a few weeks ago. It was like, we don't think we need even a lawyer. like Let's just put what we want together. We're pretty much on the same page about everything. um And like yeah, we're gonna, he's gonna,
01:08:32
Speaker
When, you know, he had like a 500 credit score when I met him. And when he gets divorced, he's probably going to be in the eight hundreds. Like, you know, like I've even kept him. So like things like I've kept him for now um as authorized user on my credit cards, I just ordered new ones so he doesn't have access to them. But so that he doesn't lose the history and it doesn't affect his credit. Yeah. Yeah.
01:08:57
Speaker
So it's just like all those things is like I feel very fortunate because I know how to do all those things but not everyone does um and not everyone's situation is like that and I'm i'm very grateful for that but yeah you know it's it's it is even though it's
01:09:17
Speaker
amicable and quote unquote, easy, it's still not, you know, so like, it's like, I can't even imagine kind of the emotional toll that on top of the separation and a life change of also then being in this situation of just not being able to like top pay your bills. you have it Yeah. Yeah. Yeah. yeah and And being in a situation where like the other person in that relationship, like does not want to see you do well.
Divorce and Financial Strain
01:09:44
Speaker
like, doesn't yeah want to help. In fact, once the feet hurt, you know, like I just, ah yeah, so. Not to end on, you know, a low note or anything. Well, I think I don't want to leave the episode on that. I know we're a little over time, but I would like for us to kind of wrap it all up and what, what's our vision?
Future Podcast Themes
01:10:10
Speaker
What is coming next for the podcast? Great question. So one thing that I think we intentionally did not do when we first started the podcast was really create like a theme for how we wanted the episodes to go. So i you know I think we really let like our guests kind of lead the conversation and things like that, which I love. And I feel like now that we've done several seasons, we have an opportunity to really kind of like find a focus for the show.
01:10:41
Speaker
a So that part. And then the other thing is, you know, we've talked about this, I don't know how many times, but we basically just have to like buckle down and do more marketing because we need enough people to listen to the show so that we can get, you know, give our guests a great benefit for being here, which is for sure having ear balls on, you know, on your work. Ear balls. I love it. So what about you? What is your vision?
01:11:09
Speaker
um I'm very much on the same page. I'm also kind of thinking moving forward, maybe having themed seasons where we take a topic and kind of dive into that.
01:11:24
Speaker
and have different people of different backgrounds and situations to talk about the overarching topic. I love that idea. Let's do that. I'm here for that. Cause here's my thing. It's like, I definitely want to put something into the world where people can learn without being taught to, you know what I mean? It's like, I want folks to get something out of it and be like, Ooh, yeah, that brought into my horizons in some way.
01:11:53
Speaker
Yeah, um I definitely, you know, it's funny because I feel like, I think we talked about it in the episode with the debt free guys where they were like, congratulations, like most podcasts don't make it past their second season. And then we just lost steam at the end of the third season. dura really We did it. Yeah, no more. now we're we're not We're not a statistic. I mean, stop trying.
Personal Growth and Accountability
01:12:26
Speaker
um No, I am looking forward to, I think in this, my kind of like also personal shift, I think I am going to have a little bit more time yeah come 2025 to um ah just have a little bit more attention to the podcast for sure. Life, life be life in. I also, on another personal note, I just recently, um ah as of literally last week,
01:12:56
Speaker
um I have no actual um um diagnosis because psychiatrists said, um I've only seen you once, so I would never diagnose you off of one meeting. However, it's sounding like this small percentage of this medication might help you stay focused with everything that you have going on in your life.
01:13:21
Speaker
So we are on me and Vyvanse Against the World. um It feels great. oh i you know i I'm a planner. i have I always write things down. um But I feel like increasingly over the last probably six months, it feels like my to-do list keeps getting longer and longer and longer. and i know it's there but I just refuse for some reason to do it even if I have the time and energy so it's been a good shift already um and yeah kind of into this next chapter being able to um hopefully for the first time in my life um ah compared to my bachelor's degree give the time and energy and effort to school yeah um and not be
01:14:13
Speaker
working and so many credits and all these other things like I feel like it's gonna I'm setting myself up for to hopefully be very successful so I love that I love that for you well and for my part I um I don't have Vyvanse but I do have a Dom now and yes and so for me it's amazing because we have been making really good use of the obedience app, if anybody's familiar with that. and And if you're not, it's a fantastic way to have, even if you don't have, you know, even if you're not to BDSM, you don't like the DOM sub thing, but if you just want to have an accountability partner. And what it does is it allows him to put tasks in for me on a daily basis. And if I, you know, complete the task, I get a point,
01:15:12
Speaker
And if I don't complete the task, I might lose the point or I might actually have a specific punishment. And um it has made me very good about things like drinking water and like exercising consistently and, you know, other activities that he wants me to do. So for me, that's keeping me very much on track and is allowing me to like do all the things I want to do. I love that. Yes.
01:15:39
Speaker
um i I guess five aunts is my Dom. um Put that on a t-shirt. Oh, I guess one other update after being a over a year adjacent to the community, I am slowly dipping my paw into the pup community.
01:16:06
Speaker
I have a hood. It is on its way. It takes like eight weeks though because they're custom made. Nice. I love that. That was a birthday present to myself. And then I'm actually one of the events that I am dancing at actually this week is called Lobo. It's lights out, barks out. And so I will be It's just pups just on the dance floor and having a good time. So I'm really excited to. um It's been really. It's been really um very positive, so we there's a whole nother episode probably about that. um But yeah, so I love it. Well, that's fantastic. So all of the silver linings, all of the good things, all the life transitions and that positive net positive net positive. So
01:16:59
Speaker
I feel like the last thing that we might need to tell our folks is when are we going to come back with our new and improved? Oh, God. I know. I don't even really talk about this yet.
01:17:12
Speaker
i know i don't I don't know if I want to put it, i want I would like to say that over the next few months, I'd like to start getting some guests. I already have some people in mind, okay but I also want to give our, I don't want to overextend you and I, um but um coming soon, 2025.
01:17:32
Speaker
I love that, perfect. And I feel like we talked about, so the people don't know this, but we actually have a few like episodes in the can that we haven't aired yet. It's true. so if I mean, I feel like there could be some bonus episode options available if we wanted to before we officially restart the season. Something to consider, a little teaser, a little, we'll see. Also, you and I can just literally record an episode and talk about whatever.
01:18:04
Speaker
So just just to keep the people happy. oh Yeah. Because I think it's easier for us to just hop on a call and and talk if if things come up. Because I definitely want to hear more about the job. OK. Yes. i would When I assume I will have clients and more information, I'll be happy to talk about it. And we can also have just an episode about trauma. OK. Just so.
01:18:31
Speaker
Well, and because you are a graduate of trauma of money. Yes. um And I am in the throngs of it. So we can definitely just unpack that a little bit. You know, I love it. I think and give a shout out to the amazing organization that there is just so great.
01:18:53
Speaker
Right. I don't want to get down the rabbit hole now. Well, I think we have some, we could potentially throw some content up without needing to book some people. So nice. All right. yeah So stay tuned. We've got some ideas. Cool. All right. Until next time. Bye. Bye.
01:19:22
Speaker
If you've enjoyed today's episode, please don't forget to rate, review, and subscribe. That's the easiest way to support our show. We hope you took away a new nugget of information or perspective today, and we're grateful you took the time to listen to us. Until next time, bye. Bye.