EP70 Love & Money: How to Talk Finances with Your Partner with Jessica Perrone

When dating or in the early stages of marriage, it’s crucial to approach money topics calmly and without confrontation, creating a space for both partners to openly share their financial history and attitudes. This lays the groundwork for mutual understanding.

Jessica Perrone, CEO and founder of Her Financial IQ, shares insights on having vital financial conversations with your partner. In this episode, we explore why discussing finances is key in both dating and marriage, offering personal stories and practical tips on budgeting, managing debt, setting shared financial goals, and preserving individual independence. We also touch on financial infidelity and the importance of transparency to foster a healthy, successful relationship.

Jessica's advice goes beyond budgeting, providing a roadmap for achieving financial harmony. Through open communication, empathy, and a shared vision for the future, couples can turn financial conversations into a foundation for a stronger, more loving partnership.

Tune in to the Money Chisme podcast for more financial wisdom and remember: strong relationships thrive on honest financial discussions.

Connect with Jessica Perrone:

EP 58 Navigating Debt and Credit

Website: www.herfiniq.com

LinkedIn: linkedin.com/in/jessicak/

Youtube: youtube.com/channel/UCZ__uZTpk0qxqX9aC3_DmqA

Instagram: instagram.com/herfiniq

Facebook: facebook.com/HerFinIQ/

Chapters

• 0:00 Navigating Financial Conversations in Relationships
• 11:07 Navigating Financial Challenges in Relationships
• 15:06 Financial Relationship Conversations and Goals
• 30:29 Financial Harmony in Relationships
• 38:22 Holiday Financial Goals and Planning

Transcript

Speaker 1: 0:49

Hola, hola, welcome to the Money Chisme podcast. So you're on your financial journey, learning financial literacy, building good credit, avoiding or paying off your debt, building that financial wellness. But then you decide you want to start dating. How do you have these financial conversations with a potential partner? Or what if you're already married and you want to have these personal finance conversations with your significant other? Well, that's what we're going to cover today in this episode, and back with me today is Jessica Perron, ceo and founder of Her Financial IQ. Hi, jessica, thank you so much for being here today.

Speaker 2: 1:37

Hello, thank you so much for having me back. I had so much fun last time and I'm so excited about today's topic.

Speaker 1: 1:45

Yeah, so, like you mentioned, this is the second time being on here. The first time we talked about like credit and some debt management and a lot of other topics. It was a lot when we had so much fun. So, make sure you check out episode 58, which I'll link down below, and, yeah, there's lots of more good information and tips in that episode.

Speaker 1: 2:09

But, yeah, today we're going to talk about how to have these difficult conversations, because it can be touchy. It's a touchy subject, especially if you're like trying to date and ask them about these things. And then, once you're married and I have, you know, experience in both with my husband, I could speak from experience. It was definitely difficult conversations that I could speak from experience. It was definitely difficult conversations, but they need to be had and I wanted to ask you before we get we got lots of points and talking points that we want to make sure we hit but I wanted to ask you why do you think it's important to have these conversations in marriage or if you're just looking for a potential partner, like start dating?

Speaker 2: 2:52

Oh, my goodness, that's such a big question. I feel like we need to narrow it down a little bit. Why don't we have a little bit to talk about? Like popped into my head when you said that. So where I want to start with this conversation then is just the dating stage. And what's interesting is I actually saw a statistic and I can't remember where I saw it. I have to look for it again, but from what I remember, this statistic said that a person's credit score is a better indicator for romantic compatibility than anything else, and I was floored when I saw that quote.

Speaker 2: 3:39

But if you think about it, one of the number one thing that couples argue about is money. Money and all the other things kind of come from that as well. So there's actually a really fun quiz out there. It's called the money script quiz, and I like for my couples, when I'm working with couples, to take this money script quiz and basically your attitudes towards money are ingrained in you from your childhood and even before you have a spouse or a more serious significant other, you can gently ask people what their youths were like, what it was like when they grew up, and a lot of people will talk about if they grew up in poverty, if they grew up in an affluent neighborhood, what the journeys of their parents were. And by listening to these conversations you can start creating. Now I don't want people to project onto other people either, but you can sort of start painting a picture of the way people grew up. The oldest of eight children. There wasn't any money, conversations and growing up we barely had enough food, let alone money for clothing let alone.

Speaker 2: 5:21

health care I'm going to the local university's dental school to have dental work done because we couldn't even afford health insurance, right, we couldn't afford going to the dentist. So, with that said, my money scripts and I've worked. I have worked on them over time, but I am very frugal, I am.

Speaker 1: 5:44

And.

Speaker 2: 5:44

I will. I am the type of person that can walk through TJ Maxx or Marshalls and go through that tchotchke aisle and not buy anything, Because when it comes to like spending money, I'm like, okay, what is the return on my money? What is this for? Is this for a good use? That's the trip that's going through my head. So you can really get to know a person by just asking them about their past and really be interested and really be, engaged and really and this is the fun part of a relationship the feel-good part.

Speaker 2: 6:19

You have those feel-good drugs. You're like, oh, you're the best. People start wearing off and you're like, who the heck is this person? I'm joking, I'm joking, I'm joking.

Speaker 2: 6:31

So that is a really big thing. And then the other thing is also just having the conversations, even like when you're going to dinner. If you're going out to dinner, having that conversation of who's paying it and what do you want to go to a more expensive place or a not so expensive place and why? And maybe even say, hey, I'm on a budget this month and that's why I'd rather go to this one, right? So you can start like having those conversations in a very soft, a soft, non-confrontational way to really get to and see if someone has compatible senses. But the funny thing is that opposites do attract. So you will find, like a super spender with a super saver, and you know what the super spender is like, wow, the super saver can potentially really help me and teach me things. And the super saver is like, hey, this person's going to help me open up my wallet a little bit more. So you do see these opposites attracting in relationships as well. I talked for a long time, I'm sorry.

Speaker 1: 7:37

Yeah, I just know. Yeah, I was listening to you and one of the things that you brought up was about the credit score can determine like how well that relationship does, which I can see. That, because I mean finances is one of the main reasons for like divorce, because they have like financial problems that come up or they're not. I guess their financial views are not aligned and so there's a lot of or you have the saver versus the spender and they're just not able to meet in the middle or whatever. So that makes sense as well, and I definitely I wouldn't say we're not like polar opposites, but we definitely came with different mindsets with how we view money and you mentioned how we're raised.

Speaker 1: 8:31

That definitely played a part with mine, especially with me. I had a lot of financial anxiety, which in hindsight, my husband did too, but that meant we avoided a lot of these conversations. So my husband avoided the conversation, I avoided the conversation when we were dating and we were just like okay, and then there was the mindset that like, okay, maybe it's not my business. I think I had to get over that mentality eventually, because then we got married and they were at to have the conversations, but how? I guess that could be one of my questions as well, like changing that mindset, because you might think when you're starting a date that like it's not your business.

Speaker 2: 9:23

Yeah, absolutely You're right, and it's interesting because you'll ask all of these personal questions, right? Yeah, you were asked to spread the dish. You got all everything. You have the full nine yards on this individual. But you're right, people are afraid to ask financial questions.

Speaker 2: 9:36

I actually have a freebie for you, violetta, to put in the chat afterwards, which is an actual list of questions and topics that you really want to go over before you get married, and so I put together that list for your viewers and they can just sign up for it right on.

Speaker 1: 9:55

You've been so good about including the URLs, and this is a really great overview of topics to make sure that you go through, and I even have it like separated by while you're dating and then also right before you get married as well, by while you're dating and then also right before you get married as well, like yeah, what's funny is that we have no problem asking like what's your astrology sign, are you like a scorpio or this, or what's your love language or all these other things to check for compatibility, but then with finances we're like, yeah, no, we're just gonna not talk about it and stuff. So I hope we after episode, people feel like less taboo about it or more confident in what to ask and make sure that they are asking these questions. And with that I want to get into your pointers and advice and tips for someone that is looking to ask these questions.

Speaker 2: 10:53

Yeah, thank you so much. The other thing, if you don't mind me to just follow up on a few things that you said too, we always have these great conversations.

Speaker 1: 11:00

We're always going back and forth because we're like I hope you don't mind that if I just digress a little bit here.

Speaker 2: 11:07

There's a couple thought processes here. Just in finances, some people are very good at finances and some people are really bad at finances, but some people aren't intentionally bad about finances and then so the people that aren't necessarily good at finances sometimes have just never been taught.

Speaker 2: 11:29

And there's also and I'm not sure if I talked about this on the last podcast or not, but there's a whole thought process now with learning patterns, that it's not that we're not good at things.

Speaker 2: 11:41

So some people say I'm not good at math and I'm not good at reading, it's just that you haven't had enough hours of practice in it to get good. And I could tell you that with money and with budgeting and different types of accounts and credit scores heck, I didn't know what a credit score was and how important it was until later on in life. Yes, I knew I couldn't take out student loans because my parents' credit score wasn't good, but I didn't really know what a credit score was. And I feel that there are people out there who may not have the best financial shape because they just don't know any better. But if someone that is in a good financial shape is interested in someone that's not in such great financial shape, but the person that's not in great financial shape is willing to make changes and willing to start making a budget and willing to start turning around their financial situation, and that is a green flat.

Speaker 1: 12:45

Okay.

Speaker 2: 12:45

I don't want people to think, oh, every single person with that is bad and to stick away from them. There are people who have happenstances. Things happen in the family, layoffs happen, things happen. So to be compassionate with a person, to understand that person, is part of a relationship, right, we want that not only with money topics, but also just with everything that's going on. And then there's the people, unfortunately, who have a similar sort of compulsivity with spending that is similar to addiction, that is similar to alcoholism or drug use that an individual cannot help with, and that type of situation is it's very helpful to have a therapist get involved in that type of situation. So I do want to show both aspects.

Speaker 2: 13:50

Okay, I do want to talk about both aspects, because you do have both of them, you have the ones where the people are. It's just happenstance they don't know. And then we have other people that you know what they're going to need help to get out of that.

Speaker 1: 14:02

Yeah, yeah, I definitely again, speaking from experience with my husband at first, when I found his financial situation, it was a little scary at the beginning, but then when he told me the story he had gone through divorce and the whole child custody battle and all that stuff that got really like that sank him and it took a few years of hard work to like get him back up because he had all that debt to pay off and everything and just work through it together. And it wasn't because he was making, like you said, poor financial decisions. It's just life happens sometimes and we do need to have that compassion and he was willing to learn and get on track and everything like that. And now he has a better credit score than me now, yeah, and he was like, remember when I was like almost non-existent because it was horrible, and now it's like better, he was like, yeah, so yeah, it just takes some patience, some guidance.

Speaker 1: 15:06

I wasn't an expert either. It was just supporting each other, which is mostly what this really entails is to have these conversations but, like you said, think about the reasons and don't have to try to fix everybody, because some of them need extra help, like you said. So definitely had to have these difficult conversations which brings me to the first point was that we just had to be open and honest at the beginning.

Speaker 2: 15:34

Right, that's such a great lead in Thank you so much.

Speaker 2: 15:38

But you're absolutely right, there is such thing as financial infidelity, and I just listened to a podcast and it was so interesting, this podcast, and it was well-timed, and basically in this podcast it was a doctor that said that frequently we blame the individuals that have the financial fidelity. There you go, yeah, and we blame them, and but in essence, sometimes it's because they have agreed to something that is too restrictive and just don't know how. So, for example, couple A there is and I'm just talking and I do want to just talk about there are all different types of relationships out there. There's marriage, there is partnerships, marriage there is partnerships. So you know a lot of these topics that I'm talking about today. I may generalize in certain ways, but please, I want everyone to know that I totally believe in being inclusive, but this is just the way that I'm describing it out, just as we're talking. So apologies for anyone out there that does not feel included in the conversation.

Speaker 2: 17:01

But so, couple, they have a great budgeting date night. They both come out feeling great, they've done their numbers. They're like, okay, we have X amount of money for our needs, our housing, our everything that we pay for together, and this couple has decided that they are going to have distributions to their own accounts so that they have a little spending money on the side that the other person doesn't have to see, right, and then so this is, but they know about it. They just don't want, they don't want everyone to see everything. And I have actually have a couple examples of this, which is is kind of interesting as well to add to this one.

Speaker 2: 17:43

And they both agree and they say, okay, we're going to do this, but maybe, just maybe, the other person starts on this journey and goes, oh my goodness, I cannot do it, I cannot make things work on this agreement, but I don't want to go back. I feel bad that I wasn't able to do it. Or maybe that person goes back to the partner and says, hey, I need more money, I can't do it on this budget. And that person says, oh no, you could totally do it. You know what I mean, like not listening, not being inquisitive or whatnot. And maybe that person in a tight spot, maybe, for whatever reason, gas money is more than they anticipated, maybe there was a breakdown on the car or something Like you said, stuff happens and maybe that person had to go out and get another credit card to cover those expenses. What's interesting that, what this research says, is that sometimes it is the restrictive situation that individuals and that drives them to have the financial infidelity.

Speaker 2: 18:53

So, again having that open and honest communication and really understand that budgets are fluid, Like even myself, my own budget right. I'm fluid. Some months I have kids back to school, Other months I have holidays. It is fluid and what works for me might not work for another person. So the budget as a couple is doubly right and you do need to revisit it and work on it and really expect to have an ebb and flow and a working relationship on that budget as well for sure that's what I was talking about.

Speaker 1: 19:34

Yes, I feel like you were talking about me because, to be honest and transparent, here is I feel like I was that one, the restrictive one, and my husband was just like, okay, and I had to learn to dial it back and because of like the financial anxiety and stuff like that, I just was like pretty, I guess, controlling with my finances and stuff, and I have to have them like this and I have this plan and everything like that and plus, I'm a planner and like which is opposites there too, and but I have had to learn to be more flexible with the budget and we've readjusted it like a billion times at this point because, like you said, it's supposed to be fluid and just have the basis, make sure you're saving, investing or whatever the main goals are, but also have that flexibility, understanding and support each other when, like you said, some months is going to be kind of harder, some are going to be easy.

Speaker 1: 20:34

We've had to learn that. So it's a lot of life lessons that we learned and thankfully we've made through it, because I know sometimes that could be a huge obstacle in some relationships, but luckily we're very understanding and we work through our stuff and talk about it.

Speaker 2: 20:50

I'm glad that you mentioned that and that brings us to our next like point, which is budgeting money together. Look at it. Yeah, I don't know what it is, we don't need the list, it just shows up. Yes, budgeting money together is fluid, fluid. And it's interesting, because there's also different ways to set up your accounts as well.

Speaker 2: 21:15

And different people have different strategies on that and different people have different strategies on that.

Speaker 2: 21:27

So even that setup for the budgeting is it can be tough at times, but having that conversation, especially before you get married, can really help alleviate these anxieties.

Speaker 2: 21:35

Going forward and like just establishing okay, this is going to be one person's role or we're going to do it together. But if it's one person's role, understand that it does take a lot of time and effort. You might say, oh, you do it and you think you're being all nice and everything but, and then you're like you don't realize how much work and effort it takes to just pay bills and just make sure that you didn't get double charged, or calling the company, the credit card company, or calling the insurance company, like all the work that goes into it. So that in itself, by having someone else working on that role, that's put a lot of pressure on their shoulders too. And also, if they do something that they think is good for the two of you, it might not be malicious, they didn't necessarily do it maliciously, that's just the way they would do it. And if you all of a sudden come in and say, well, what you're like? Oh wait, no one can see me today this is so strange.

Speaker 2: 22:40

I move with my hands and I'm realizing that today's is the podcast I'm listening to myself. I'm going. People are not going to understand what I'm saying because you can't see my oh, my goodness. So, um, where were we? We're talking about, yeah, we're talking about budgeting, and that really does lead into our our next one, which is joint financial goals. Now, date nights, joint financial goals, visualizing the future. That's's romantic, that's fun.

Speaker 2: 23:21

Yes, that's the fun part, thinking about where you guys want to go, and the money is just the steps that you need to take to get there. What a wonderfully romantic thing to do. I mean, I wouldn't say, like most people aren't like, what a finance date Romantic? No, it can be romantic, right, because you're like envisioning the future and you're talking about really feeling things too, which, when you get through, can really improve a relationship as well.

Speaker 2: 23:47

What are your dreams for a vacation? Well, we might not be able to do it this month or this year, but it's a goal for two months. What about that dream house? How many times have we dreamed about it or talked about it? What better way to get there than having our budgeting conversations to achieve that dream?

Speaker 2: 24:06

What if a spouse just isn't happy in their job? They want to leave it, but it's going to put a little bit of burden on you guys for a little bit. Well, maybe we want to start budgeting a little bit on the side to have a little bit more of a nest egg so that spouse, that individual, can escape that job that's bringing them down, that potentially could be bringing down the full family. So, these date conversations and these envisioning the futures and the future financial goals, what you want, your dream, where you want to live, where you want to end up. These can be beautiful conversations to have it, doesn't? They don't necessarily have to be restrictive. I know everyone. That's the funny thing, because the first thing people think of with budget is restrictive. Big picture romance this budget is going to take you into your romantic future together.

Speaker 1: 25:02

That's going to be the real, right there, that's going to be the real.

Speaker 2: 25:11

So, for example, Violetta, have you had that future goal, that dream, have you had that dream conversation?

Speaker 1: 25:19

Yes, we're in actually the process of you just hit it right now of like me taking maybe six months and then at the six month mark, see if I could go with the year to just not be at work so I could really focus on like the podcast and my teesman and all that. And we've had this conversation. I would really like to really give it my all and maybe do maybe six months and then at the six month mark we'll see from there. So we've been doing that. Then we're talking about the home that we want to build and a lot of yeah, and we're talking about the home that we want to build and a lot of yeah, romanticizing of our future life.

Speaker 1: 26:05

And we're doing a lot of budgeting and figuring out what we're, how we're going to get to those goals, especially right now that there's lots of moving parts, with him changing jobs and then me next year doing the same things, and then we had baby and then we're going to move. So like a lot of stuff, but it's not. I guess that's not necessarily stressful but like negative, as you would think, like you would think that would be a negative conversation to have. But we've had fun just dreaming up of how we're going to do all this stuff and setting our plan, and so, yeah, I'm glad you brought that up, because that's one of the things we're doing right now and it doesn't have to be such a negative thing be such a negative thing.

Speaker 2: 26:47

Violetta, this is pretty amazing, our conversation today, let me tell you and I love how we're potentially inspiring so many couples out there to have these money conversations and not be intimidated by them and make them into a loving goal. Like you and your spouse are a team and you know what, when you are in sync and when you are in step, you can build mountains, move mountains, tear down mountains Right and the same with your finances. It's about finding that step and being in alignment, being that team and really being each other's cheerleaders too and support network, instead of really dragging people down. I always feel like this. I always feel like this is a marriage counseling all day. But it is. It really is. It really is.

Speaker 2: 27:49

It is therapy, like couples financial coaching that I do with couples. There is a lot of therapy that goes into it and there's so many wonderful things and there's so many interesting things and so many ways to to peel back. But when you are in step with your spouse and you have these hopes and dreams and you are on a team that has a goal, has a purpose together, we all do better that way. Just think of even at and I'm about to not make it romantic anymore- Just a little bit, we'll go back to the romance, because you know we all just want to hear about the romance.

Speaker 2: 28:33

But just think about like a team, think about a team at work or a sports team or whatnot. When everybody has a purpose like the coach is the cheerleader we're all brought together. We got this, guess what they get it, they hit those goals, whether it's the sporting team or whether it's the work goals or whether it's the quotas right. When they have a purpose together as a team, then wonderful things happen, and wonderful things can happen to couples and their finances as well.

Speaker 1: 29:08

Yeah, yeah, which is one of our next ones with that you want to talk about is managing the debt together, like doing it as a team. And if you had debt, that's one of the things we had to knock out too, because he had a lot of debt because of the prior situation, but we did it as a team. He focused on paying off the debt and then worked our finances around that goal and everything.

Speaker 2: 29:35

so that's another thing that you can do together right, and when you pay off those debts, those payments can go to your dreams, right. Yes, so like that is a wonderful thing too, like the day that you like see that debt go away and then that goes towards your dreams, it goes towards your house, it goes towards your retirement, it goes towards your investing, goes towards wealth. Yes, that is an amazing thing when you guys can turn the ship together and take it from debt and and change the flow, the cash flow, to positive, to surplus.

Speaker 1: 30:15

That is amazing to do together, yeah yeah, that's definitely one, especially having without the guilt too, because sometimes some couples will be like you figure it out, I didn't bring this debt or whatever it's like. If you really want to make that your relationship work and everything like that, you have to realize that it's a. It's gonna take both of y'all like. You can't just keep on guilt, tripping them and acting like that's not your dad because you're married. Especially if you're married, it is your dad. You have to just do it together and we kind of go a little bit backwards to the budgeting money together, which we budget together, but also have your own individual budgets, and that's what we have as well. We have I have my budget, he has his budget and then we have our joint budget. So when we're doing our budgets, we have all three of them up and be like okay.

Speaker 1: 31:14

So what's going on with you? This is what's going on with me, this is the house stuff. It's still important because we each have our own goals as well. Maybe I want to take a course of I don't know knitting or something right, Like I don't know, that might be a few hundred dollars or something. Maybe he wants some random game or a new computer or whatever right Individual things that you might need. And then I think it's always important as well, because you never know what might happen. So what do you think about the individual budgets?

Speaker 2: 31:49

Oh I, so I love, I am a big fan of having your own account as well as a joint account, and that is just because I don't like asking people for money. It doesn't make me feel good Like. It doesn't make me feel good to have to ask my spouse for money. It makes me feel yucky and I'm sure feel good to have to ask my spouse for money. It makes me feel yucky like, and I'm sure it makes a lot of people feel yucky like. What you know, this is our money.

Speaker 2: 32:16

It's my money in there too, like why do I have to ask that person for money? Yeah, like cool. That whole concept can really create some animosity within and and also when you don't, especially if you're like bipolar, like polar opposites, like one is a spender and one is a saver right, like. It can also help prevent friction from judgment as well. So, for example, say you are a brands girl, okay, you are a brands girl and you have not been spending money on anything else. You have been saving for months and months and months and months and months.

Speaker 2: 33:02

Okay, this is not you, violetta this fictional person, and it could be male or female, because I know some guys out there that look like to look good too, and so that individual is saving up for this brand. They're not spending it on anything else, they're staying within budget, but they're saving up for it and then they go out and purchase it, okay, and then the spouse likes to go out and find her food, so he's spending that on, like, going out with the boys or girls or whatever it is, and is spending it on a regular basis. Right, there's no friction, because you don't see what each other are doing with those monies, but they're not going outside of those budgets. That's the very important thing, and that's where the infidelity comes in, because if you have agreed on a budget and you have things set you can have, if you go outside that and get debt that the other person doesn't know about, that is infidelity, right. That is not the open and honest communication, okay. And that's where the regular financial check-ins come in. It's really super important to check in, to see how each other are doing and to see if those budgets need to be created as well, and we all have our own hopes and dreams and goals as well.

Speaker 2: 34:32

I think about when I created her financial IQ. I have to think about I was trading on the side. I was creating my own nest egg. I didn't need anyone's permission to create the company. We had our egg for the home and the kids and whatnot.

Speaker 2: 34:50

But I was able to use monies on the side to create my company and I couldn't imagine anyone telling me no, you can't do that. You can't have your hope and dream. So it's not just the financial aspect of it, it's the hope and dream aspect of itashing a hope and dream, and I really feel like that's these are. It's not just money, it's about all of these undercurrents. It's just like the ocean. There's a riptide under there. It looks called on top, but there might be a riptide underneath it for sure. Really being curious and wondering about your significant other and I think that in general, is a really great way to have a relationship is if someone's acting out, if someone's like acting weird, not saying hey, what's up with you, what's going on, you see him off, is everything okay? Like approaching things with compassion.

Speaker 1: 35:48

Yeah, yeah, that's some great advice and tips and definitely with the check-ins and all of these were just great tips that I had to learn along the way, and some I had to really reflect on myself and so did he and everything like that, and we figured it out, continue to figure it out, but that's the important thing that you're figuring it out together and it's getting figured out, that it's not just being hidden and never talk about it. We're just going to avoid it type stuff. So this is really important conversations to have. So I'm glad that you came on here to share your tips and have this conversation.

Speaker 2: 36:30

Thank you for having me. And I want people to know that these conversations are tough to have and that's why there are people like myself, a financial coach that actually works with couples to create this financial harmony, to work on the budgets, to help to have these conversations and also create an even playing field, when sometimes just even the education, understanding, whatnot, whatever, it is just having a compassionate person that's not going to judge either party, who just wants your harmony at heart. That's really what I do with my coaching and, beyond, the courses I offer as well.

Speaker 1: 37:12

Awesome, I will have that guide that you have. I think it was called love and money and I will definitely have that I've already. I'm going to sign up to to get that guide and I'm going to go bug my husband. I feel like every time I do a podcast, I go bug him about something I learned or something. So I'll definitely.

Speaker 2: 37:33

Next one is gonna be a three of us.

Speaker 1: 37:34

It's gonna be a live session right, but yeah, again, I'll have all your information linked down below. But other than that, again thank you for being here and it's my pleasure and anytime you want me back it's like we have such wonderful conversations.

Speaker 2: 37:55

I'm happy to come back, especially getting closer to the holidays. Oh, another kid or caboodle, whether it is a couple or a family, or extended family or an individual. I was that budgeting for the holidays. Let me tell you I'm already workshops on that topic.

Speaker 1: 38:14

Right, yeah, I'm already planning. It is like, well do should I travel? Should I not travel? Because then it's like that's one of the things we actually uh do need to talk about. My husband and I are out, what's the plan? Because people are already starting to ask are y'all coming over here?

Speaker 2: 38:28

and it's funny because my workshops for even the holidays starts with what are your hopes and goals for the holidays? How do you envision it for yourself? And it's so interesting how just that exercise can apply on so many levels financially, whether it's a couple, whether it's a couple, whether it's your goals, whether it's the holidays, whether whatever it is starting with your hopes and goals and then budgeting into it or figuring out how to increase your income to get there. It's a hope and a dream and you can do it. You can do it as long as you keep your eyes on that prize. I know you can do it. I know all of you listening out there. You're making the first step just by listening today.

Speaker 1: 39:16

Awesome. A lot to think about, a lot of things to get through with your significant other, a lot of good tips. But again, everything's down below and I will see everyone in the next episode. Bye, bye.