1
00:00:01,840 --> 00:00:05,359
Speaker 1: Swine Down with Janet Kramer and I'm Heart Radio Podcast.

2
00:00:06,480 --> 00:00:08,760
Speaker 2: So I told you something at the start of the

3
00:00:08,760 --> 00:00:11,760
Speaker 2: week I was going to do this month, and I'm

4
00:00:11,760 --> 00:00:16,480
Speaker 2: now what this Sunday, Monday, Tuesday, Wednesday, I'm five days

5
00:00:16,520 --> 00:00:20,520
Speaker 2: into a month with no alcohol and no energy drinks.

6
00:00:21,600 --> 00:00:23,920
Speaker 2: Do you think I'll do it as the first thing?

7
00:00:24,000 --> 00:00:26,680
Speaker 2: Do you believe in me to get through this month?

8
00:00:27,400 --> 00:00:29,440
Speaker 1: Well? Can I be honest?

9
00:00:30,600 --> 00:00:34,000
Speaker 3: Yeah, this isn't the first time you've tried this.

10
00:00:34,840 --> 00:00:35,279
Speaker 2: No, it's not.

11
00:00:35,880 --> 00:00:37,240
Speaker 1: Yes, no, it's not.

12
00:00:39,440 --> 00:00:41,600
Speaker 2: That I've put a timeline on it and said that

13
00:00:41,640 --> 00:00:43,240
Speaker 2: I'll do this for this amount of time.

14
00:00:43,320 --> 00:00:43,520
Speaker 1: Yeah.

15
00:00:43,640 --> 00:00:46,680
Speaker 3: Oh my guys, you did it one time. We're like,

16
00:00:46,680 --> 00:00:49,800
Speaker 3: I'm not going to drink for this amount of times.

17
00:00:50,200 --> 00:00:52,479
Speaker 3: But what I love about you is you have a

18
00:00:52,479 --> 00:01:00,440
Speaker 3: way of rationalizing your choices and decisions decision making. So, yeah, example,

19
00:01:01,320 --> 00:01:05,560
Speaker 3: if I was to maybe and again I I don't.

20
00:01:06,560 --> 00:01:08,720
Speaker 3: I mean, gosh, how many how many times a month

21
00:01:08,720 --> 00:01:12,600
Speaker 3: do you think I drink? Now post roman? Twice a month?

22
00:01:13,880 --> 00:01:19,280
Speaker 3: I mean maybe, yeah, sometimes maybe even only one night

23
00:01:19,319 --> 00:01:25,759
Speaker 3: a month, but I would we're taking averages, I mean, yeah,

24
00:01:25,800 --> 00:01:28,680
Speaker 3: like one and a half to two days a month.

25
00:01:29,360 --> 00:01:33,639
Speaker 3: So I have a feeling that if in this month,

26
00:01:33,920 --> 00:01:37,399
Speaker 3: I'm go to the store and get a bottle of

27
00:01:37,400 --> 00:01:40,600
Speaker 3: wine because we don't really keep my kind of good

28
00:01:40,640 --> 00:01:44,280
Speaker 3: wine in the fridge, and so if I was to

29
00:01:44,319 --> 00:01:47,800
Speaker 3: go get one and I had it, I feel like

30
00:01:47,960 --> 00:01:50,920
Speaker 3: you would rationalize having a glass.

31
00:01:52,320 --> 00:01:55,920
Speaker 2: No no alcohol means nobia, no wine, no nothing. I know.

32
00:01:55,960 --> 00:01:58,280
Speaker 3: But you you're like, well, I've done so good and

33
00:01:58,600 --> 00:02:00,840
Speaker 3: it's I've it's been a week and a half. And

34
00:02:01,120 --> 00:02:03,840
Speaker 3: because you're like it's fine, it's just I feel like

35
00:02:03,880 --> 00:02:07,000
Speaker 3: you have a good like you are good at rationalizing

36
00:02:07,120 --> 00:02:08,040
Speaker 3: why it's okay to.

37
00:02:08,240 --> 00:02:10,040
Speaker 2: Good again, why I won't mean.

38
00:02:10,040 --> 00:02:15,160
Speaker 1: Yeah, and you rationalize it like I'm like, yeah, totally,

39
00:02:15,200 --> 00:02:16,160
Speaker 1: I totally agree with you.

40
00:02:16,720 --> 00:02:18,519
Speaker 2: There'll be they'll come a point in the month, will

41
00:02:18,560 --> 00:02:20,680
Speaker 2: you You'll be like, oh really, Like last night you're like,

42
00:02:20,800 --> 00:02:21,400
Speaker 2: I really want to go.

43
00:02:21,600 --> 00:02:23,960
Speaker 3: I was telling Pam yesterday at softball. I'm like, and

44
00:02:24,000 --> 00:02:26,400
Speaker 3: my friend Ty who's one of my neighbor as well,

45
00:02:26,440 --> 00:02:28,560
Speaker 3: and I'm like, man, I've just been I've been kind

46
00:02:28,560 --> 00:02:30,560
Speaker 3: of craving a glass of wine. I had one in

47
00:02:30,600 --> 00:02:35,160
Speaker 3: the Bahamas and I'm just like being kind of craving it.

48
00:02:35,639 --> 00:02:38,360
Speaker 3: Just having a glass and just chilling and taking a beat.

49
00:02:39,360 --> 00:02:43,400
Speaker 3: I enjoy that piece of drinking. I don't now like

50
00:02:43,480 --> 00:02:48,400
Speaker 3: the consequences of how it makes me feel during the

51
00:02:48,400 --> 00:02:50,240
Speaker 3: middle I just don't sleep well and all the other

52
00:02:50,280 --> 00:02:52,360
Speaker 3: stuff that kind of goes along with it that I've noticed.

53
00:02:52,400 --> 00:02:55,600
Speaker 3: But I still do like that moment of just relaxing

54
00:02:55,600 --> 00:02:58,640
Speaker 3: and having a glass of wine. So when I was

55
00:02:58,680 --> 00:03:01,360
Speaker 3: at softball, yes I even said to pay them, I'm like,

56
00:03:01,960 --> 00:03:03,800
Speaker 3: I'm want to get a little glass of wine this weekend.

57
00:03:04,760 --> 00:03:06,320
Speaker 3: But then I said to you, I'm like, gosh, I'm

58
00:03:06,320 --> 00:03:09,160
Speaker 3: just like craving just a little nightcap right now.

59
00:03:10,560 --> 00:03:12,800
Speaker 2: By all means, I will not break. I will not

60
00:03:12,880 --> 00:03:14,920
Speaker 2: break my month because I really want to see it.

61
00:03:14,960 --> 00:03:15,960
Speaker 2: The reason I'm doing.

62
00:03:15,800 --> 00:03:19,400
Speaker 1: It's about that date night I don't have it.

63
00:03:20,320 --> 00:03:21,880
Speaker 2: I really want to see how I feel at the

64
00:03:21,960 --> 00:03:22,480
Speaker 2: end of the month.

65
00:03:23,440 --> 00:03:27,640
Speaker 1: Because go ahead, No, sorry, go ahead.

66
00:03:27,639 --> 00:03:29,919
Speaker 3: I do have a thought to that, because it's another

67
00:03:30,000 --> 00:03:33,040
Speaker 3: way of that you circled around in the past, because

68
00:03:33,080 --> 00:03:33,360
Speaker 3: you're the guy.

69
00:03:33,360 --> 00:03:34,400
Speaker 1: I really didn't feel that different.

70
00:03:36,760 --> 00:03:38,880
Speaker 2: No, but I'm thinking there's also a part of me

71
00:03:38,960 --> 00:03:40,920
Speaker 2: is doing it for Okay, let me see how I

72
00:03:40,920 --> 00:03:43,080
Speaker 2: feel it in the month, And I really actually want

73
00:03:43,120 --> 00:03:46,320
Speaker 2: to do it because I'm starting to think more about

74
00:03:46,320 --> 00:03:48,240
Speaker 2: my long term health, which is why I've added in

75
00:03:48,320 --> 00:03:53,280
Speaker 2: the energy drinks as well, because they're not again it's

76
00:03:53,280 --> 00:03:55,520
Speaker 2: another thing that holds power obvi you. So it's it's

77
00:03:55,560 --> 00:03:58,960
Speaker 2: not good to I'm trying. I'm breaking that habit, but

78
00:03:59,160 --> 00:04:02,360
Speaker 2: it's mostly okay. See, let's see how good I feel

79
00:04:02,360 --> 00:04:04,040
Speaker 2: it then the month. Get's not okay to do it

80
00:04:04,080 --> 00:04:06,000
Speaker 2: for a week or two weeks because you don't really

81
00:04:06,720 --> 00:04:09,160
Speaker 2: your body doesn't go through the cycles of actually trying

82
00:04:09,160 --> 00:04:13,280
Speaker 2: to heal itself and then get a truer reflection on

83
00:04:13,320 --> 00:04:16,200
Speaker 2: how you feel. So I'm mually excited to get to

84
00:04:16,240 --> 00:04:18,920
Speaker 2: the then the month and be like okay, because I

85
00:04:18,920 --> 00:04:21,400
Speaker 2: start to be a weird one because I've not felt

86
00:04:21,600 --> 00:04:24,440
Speaker 2: well this weekend, Like I've been really fatigued, my balls

87
00:04:24,480 --> 00:04:25,040
Speaker 2: have been sore.

88
00:04:25,640 --> 00:04:27,240
Speaker 3: You know, you're starting to freak out. I was like,

89
00:04:27,279 --> 00:04:29,720
Speaker 3: oh no, we've just finished the White Lotus too. I

90
00:04:29,760 --> 00:04:31,440
Speaker 3: was like, did you get sympathy ball pain from the

91
00:04:31,440 --> 00:04:32,440
Speaker 3: guy from White Lotus?

92
00:04:32,760 --> 00:04:36,760
Speaker 2: No never saw before started watching White Lotus. My right

93
00:04:36,800 --> 00:04:38,760
Speaker 2: one was about ache and then both of them got

94
00:04:38,760 --> 00:04:40,960
Speaker 2: a bit ache, and then I was sleeping like for

95
00:04:41,040 --> 00:04:42,800
Speaker 2: three for all days. I just felt like sleeping all

96
00:04:42,839 --> 00:04:43,200
Speaker 2: the time.

97
00:04:43,440 --> 00:04:44,799
Speaker 1: Maybe we should get your balls checked.

98
00:04:46,040 --> 00:04:48,400
Speaker 2: My balls are fine, balls are fine.

99
00:04:49,480 --> 00:04:52,680
Speaker 3: Well, you don't know because I'm really proud of you, though,

100
00:04:52,720 --> 00:04:56,960
Speaker 3: I will say that because I'm constantly riding you, being like, babe,

101
00:04:57,000 --> 00:05:01,760
Speaker 3: please take care of yourself and you do you work out, But.

102
00:05:01,800 --> 00:05:06,720
Speaker 1: It's I don't need cheese, Okay, I'm just saying I

103
00:05:06,839 --> 00:05:10,679
Speaker 1: go to bed, Eli, yes, because you wake up so early.

104
00:05:11,320 --> 00:05:13,640
Speaker 2: You know. I don't wake up Ellie. I get up

105
00:05:13,880 --> 00:05:16,600
Speaker 2: be productive. I would rather be lying in bed with

106
00:05:16,640 --> 00:05:20,480
Speaker 2: my beautiful wife seven in the morning. But my brain's

107
00:05:20,520 --> 00:05:22,919
Speaker 2: taken out. It's stuff to do, and that quiet hours

108
00:05:23,000 --> 00:05:25,560
Speaker 2: between five and seven, I get quite a lot down.

109
00:05:25,880 --> 00:05:28,560
Speaker 3: Yeah, but I bet I'm proud of you because I

110
00:05:28,760 --> 00:05:32,240
Speaker 3: just I really want you to stay around for as

111
00:05:32,240 --> 00:05:34,000
Speaker 3: long as I can have you.

112
00:05:35,560 --> 00:05:38,560
Speaker 2: That's my fiftive bus stop. I'm joking.

113
00:05:40,640 --> 00:05:45,880
Speaker 3: But do you think after the month you'll cut back

114
00:05:45,920 --> 00:05:48,960
Speaker 3: on how much you do drink during the week? You

115
00:05:49,000 --> 00:05:50,360
Speaker 3: did a thing back in the day, it was like

116
00:05:50,400 --> 00:05:50,960
Speaker 3: two and two.

117
00:05:51,520 --> 00:05:52,359
Speaker 2: Yeah, it's tough.

118
00:05:52,839 --> 00:05:55,520
Speaker 1: Why you feel like you're like all or nothing with

119
00:05:55,640 --> 00:05:56,359
Speaker 1: drinking where.

120
00:05:56,160 --> 00:05:59,119
Speaker 2: It's like I'm all nothing with everything. That's half my problem.

121
00:05:59,160 --> 00:06:03,680
Speaker 2: I've got composed of oh disalt.

122
00:06:04,680 --> 00:06:07,280
Speaker 1: So do you think it's like a problem.

123
00:06:07,440 --> 00:06:12,200
Speaker 2: No, Like I think another another reason I'm doing it

124
00:06:12,240 --> 00:06:16,279
Speaker 2: is because I'm so busy at the won't like I'm

125
00:06:16,360 --> 00:06:18,000
Speaker 2: just going from one thing to the next, to the

126
00:06:18,040 --> 00:06:21,760
Speaker 2: next to the next, pretty much like this is the

127
00:06:21,800 --> 00:06:24,280
Speaker 2: first time we've sat down with each other and looked

128
00:06:24,279 --> 00:06:25,760
Speaker 2: at each other in the eyes this week and had

129
00:06:25,760 --> 00:06:28,040
Speaker 2: a proper conversation. If we're not in.

130
00:06:28,000 --> 00:06:30,479
Speaker 1: Bed, yeah, oh and better we just watched We're just

131
00:06:30,560 --> 00:06:31,880
Speaker 1: watching White Lost.

132
00:06:31,920 --> 00:06:34,400
Speaker 2: Yeah. But part of it is like, Okay, you're going

133
00:06:34,480 --> 00:06:36,360
Speaker 2: to be so busy, you need to be so focused

134
00:06:36,360 --> 00:06:41,360
Speaker 2: your mind switched and from switching from podcasting to clinics

135
00:06:41,640 --> 00:06:47,000
Speaker 2: to app to all the other stuff that goes on

136
00:06:47,080 --> 00:06:49,440
Speaker 2: in the house. And I need you really viy wear

137
00:06:49,600 --> 00:06:51,440
Speaker 2: in whatever. It's the need to be really focused. So

138
00:06:52,320 --> 00:06:54,480
Speaker 2: even the two drinks. We've discussed this before. The two

139
00:06:54,520 --> 00:06:57,000
Speaker 2: drinks makes you feel sluggish, yeah, and it makes you

140
00:06:57,040 --> 00:06:59,039
Speaker 2: want to stay in bed for twenty minutes longer, which

141
00:06:59,040 --> 00:07:01,080
Speaker 2: affects the start of your day, which affects the rest

142
00:07:01,120 --> 00:07:05,520
Speaker 2: of your day. So I'm just I'm honestly, I'm I'm

143
00:07:06,000 --> 00:07:09,720
Speaker 2: painting over it. I'm like, just try it from one

144
00:07:09,720 --> 00:07:11,520
Speaker 2: with that gullanty. I feel amazing at the end of

145
00:07:11,560 --> 00:07:11,880
Speaker 2: the month.

146
00:07:13,320 --> 00:07:14,200
Speaker 1: I'm really proud of you.

147
00:07:15,920 --> 00:07:18,840
Speaker 3: Because I do feel like I do feel like that

148
00:07:18,920 --> 00:07:25,040
Speaker 3: two and two is it's tough because or you'd be

149
00:07:25,040 --> 00:07:26,760
Speaker 3: like just on weekends. And this is a really big

150
00:07:26,760 --> 00:07:29,560
Speaker 3: problem that I've talked to Jason Waller about who's a

151
00:07:29,640 --> 00:07:32,920
Speaker 3: work covering alcoholic and not comparing you to Jason, but

152
00:07:32,920 --> 00:07:38,040
Speaker 3: I'm just saying a lot of adults in their forties

153
00:07:38,040 --> 00:07:41,720
Speaker 3: on they're like binge drink, so they just drink, okay,

154
00:07:41,720 --> 00:07:45,720
Speaker 3: thirties on they binge drinking. Is they think it's okay,

155
00:07:45,760 --> 00:07:48,480
Speaker 3: I don't drink during the week I'm not an alcoholic,

156
00:07:48,560 --> 00:07:51,200
Speaker 3: but then you just binge on the weekends and you

157
00:07:51,320 --> 00:07:54,600
Speaker 3: drink so much that you're that it's not good too.

158
00:07:54,640 --> 00:07:56,240
Speaker 2: So that's that's what he was saying.

159
00:07:56,560 --> 00:07:57,560
Speaker 1: Yeah, like binge.

160
00:07:57,400 --> 00:08:00,960
Speaker 3: Drinking is actually the problem is it's people making them

161
00:08:00,960 --> 00:08:03,680
Speaker 3: feel better about not drinking during the week but then

162
00:08:03,720 --> 00:08:06,120
Speaker 3: they just drink so much on the weekends.

163
00:08:07,400 --> 00:08:09,160
Speaker 1: That's where but.

164
00:08:10,120 --> 00:08:12,720
Speaker 2: I couldn't get to a point. Now we're so busy

165
00:08:12,720 --> 00:08:15,440
Speaker 2: with the kids and life and careers. I could not

166
00:08:16,560 --> 00:08:19,920
Speaker 2: binge drink the way I used to bring drink. I

167
00:08:19,920 --> 00:08:23,080
Speaker 2: couldn't have loads and loads of alcohol and then function. Actually,

168
00:08:23,080 --> 00:08:25,800
Speaker 2: when's the last time I had loads to drink Ali

169
00:08:25,880 --> 00:08:30,120
Speaker 2: Bahamas and then before that, I don't even know like loads.

170
00:08:31,160 --> 00:08:32,640
Speaker 1: I think it's just the everyday thing.

171
00:08:33,080 --> 00:08:35,720
Speaker 3: So it's like if you can't just do one or

172
00:08:35,840 --> 00:08:38,280
Speaker 3: two days in a week or one every other week,

173
00:08:39,360 --> 00:08:43,000
Speaker 3: then I think that's where I don't drink every day,

174
00:08:44,480 --> 00:08:49,880
Speaker 3: and that's I know I did before before Roman and

175
00:08:50,200 --> 00:08:51,440
Speaker 3: after my divorce, and.

176
00:08:51,520 --> 00:08:55,600
Speaker 2: Listen, I think it's it's a longevity and lifestyle change

177
00:08:55,600 --> 00:08:57,920
Speaker 2: that I'm trying to make. Beca's got God knows energy

178
00:08:57,960 --> 00:08:59,160
Speaker 2: drinks are so bad for.

179
00:08:59,160 --> 00:09:02,640
Speaker 3: You as well, so is drinking soda or pop. You know,

180
00:09:03,160 --> 00:09:05,319
Speaker 3: my Michugan girl heart just got so disappointed in the

181
00:09:05,360 --> 00:09:06,280
Speaker 3: fact I just said soda.

182
00:09:06,640 --> 00:09:11,520
Speaker 1: But yeah, I feel like, yeah, we do.

183
00:09:11,600 --> 00:09:14,560
Speaker 3: Like that's that's a little better because it's Stevia, but

184
00:09:14,640 --> 00:09:18,600
Speaker 3: it's there's nothing. Listen, do what you want to do,

185
00:09:18,679 --> 00:09:20,920
Speaker 3: and we're not trying to. But for me, what I've

186
00:09:20,920 --> 00:09:23,160
Speaker 3: noticed is I've cut back, not because I don't have

187
00:09:23,200 --> 00:09:26,520
Speaker 3: my wine deal, anymore my wine brand. But because I

188
00:09:26,520 --> 00:09:30,040
Speaker 3: don't like the way that I feel, I don't sleep good,

189
00:09:30,120 --> 00:09:33,960
Speaker 3: I have anxiety. It's affecting my gut, and I feel

190
00:09:34,000 --> 00:09:37,480
Speaker 3: the best when I don't drink. Not saying I'm not

191
00:09:37,520 --> 00:09:39,880
Speaker 3: going to never, but you.

192
00:09:39,840 --> 00:09:42,080
Speaker 2: Know you're never going to drink with me this month.

193
00:09:42,160 --> 00:09:42,720
Speaker 2: That's socio.

194
00:09:43,240 --> 00:09:44,000
Speaker 1: Let's see.

195
00:09:44,200 --> 00:09:45,560
Speaker 3: I feel like I kind of be like, babe, if

196
00:09:45,600 --> 00:09:49,120
Speaker 3: you want a glass their date night, which I kind

197
00:09:49,120 --> 00:09:51,040
Speaker 3: of love because you on date nights, You'll be like,

198
00:09:51,080 --> 00:09:51,920
Speaker 3: you're not going to have a glass.

199
00:09:51,920 --> 00:09:56,040
Speaker 1: I'm like, no, I'm good, And so now it's going.

200
00:09:55,960 --> 00:09:56,240
Speaker 4: To be.

201
00:09:59,679 --> 00:10:02,200
Speaker 3: I don't maybe, but I think it's the company you

202
00:10:02,280 --> 00:10:07,520
Speaker 3: keep to, you know me. Not drinking helps you not drink. Yeah,

203
00:10:07,600 --> 00:10:10,600
Speaker 3: so if I was drinking, you'd probably want to drink.

204
00:10:10,600 --> 00:10:14,880
Speaker 3: It's something that we do together. But let's switch gears

205
00:10:14,920 --> 00:10:20,360
Speaker 3: from drinking to money. We've got a guest on who

206
00:10:20,400 --> 00:10:22,400
Speaker 3: wrote a book called What's Up with Women and Money?

207
00:10:22,440 --> 00:10:24,720
Speaker 3: How to do all the financial stuff you've been avoiding.

208
00:10:25,040 --> 00:10:26,000
Speaker 3: Let's get Alison on.

209
00:10:39,080 --> 00:10:41,480
Speaker 1: Hi, how are you, dude?

210
00:10:41,520 --> 00:10:42,000
Speaker 4: What's up?

211
00:10:42,080 --> 00:10:44,000
Speaker 3: Do you have an energy drink problem too? Because we

212
00:10:44,000 --> 00:10:45,000
Speaker 3: were just talking about that.

213
00:10:45,520 --> 00:10:47,160
Speaker 4: Oh my god, I wouldn't touch those as a ten

214
00:10:47,200 --> 00:10:50,600
Speaker 4: foot pole. I wouldn't able to get to sleep.

215
00:10:50,920 --> 00:10:55,800
Speaker 3: Well, Alison will just jump right in and chat money

216
00:10:56,120 --> 00:10:58,720
Speaker 3: first and foremost, How did you get into money?

217
00:10:58,720 --> 00:11:00,840
Speaker 1: The money business of everything, the.

218
00:11:00,760 --> 00:11:03,560
Speaker 4: Money business of everything? You know what I fell into it?

219
00:11:03,760 --> 00:11:07,920
Speaker 1: Financial? Would it be financial advising or oh.

220
00:11:07,800 --> 00:11:12,120
Speaker 4: No, I'm nowhere near certified financialkare. I was a business

221
00:11:12,120 --> 00:11:16,600
Speaker 4: correspondent and anchor at CNN fifteen years and I learned

222
00:11:16,600 --> 00:11:19,360
Speaker 4: on the job, is what I did. And you know,

223
00:11:19,400 --> 00:11:22,320
Speaker 4: I was able to talk about market movements and the

224
00:11:22,360 --> 00:11:26,480
Speaker 4: macro economy and world economy, et cetera, et cetera. But

225
00:11:26,880 --> 00:11:30,040
Speaker 4: in my own life I wasn't involved in my own

226
00:11:30,040 --> 00:11:34,800
Speaker 4: personal finances. I very well understood how to invest, meaning

227
00:11:35,400 --> 00:11:38,400
Speaker 4: I you know, I did most of my job out

228
00:11:38,400 --> 00:11:40,840
Speaker 4: of the New York Stock Exchange. You know, I got

229
00:11:40,880 --> 00:11:44,439
Speaker 4: it here, But in my heart, I just didn't want

230
00:11:44,440 --> 00:11:47,240
Speaker 4: to be involved in my personal finances, which was not

231
00:11:47,320 --> 00:11:48,200
Speaker 4: a good idea.

232
00:11:48,240 --> 00:11:52,120
Speaker 3: And then I saw and read that you were not

233
00:11:52,240 --> 00:11:56,160
Speaker 3: involved with your marriage finances either, and that he had

234
00:11:56,240 --> 00:11:57,599
Speaker 3: Are you still in that marriage or are you not

235
00:11:57,679 --> 00:11:58,319
Speaker 3: in that marriage?

236
00:11:58,480 --> 00:12:00,960
Speaker 4: No? No, got we divorced. That's the thing, is I

237
00:12:01,080 --> 00:12:04,400
Speaker 4: let my husband handle all of the financial stuff, so

238
00:12:05,200 --> 00:12:08,719
Speaker 4: you know, buying a car and investing and the mortgage

239
00:12:08,920 --> 00:12:11,960
Speaker 4: and refinancing the mortgage and all of that. I let

240
00:12:12,080 --> 00:12:15,960
Speaker 4: him do it because the whole thought of it overwhelmed me.

241
00:12:16,000 --> 00:12:17,640
Speaker 4: And so that's the irony of the whole thing is

242
00:12:17,640 --> 00:12:20,960
Speaker 4: I'd be reporting about this stuff, but in my own life,

243
00:12:21,720 --> 00:12:24,000
Speaker 4: I didn't want to take the plunge. But to be

244
00:12:24,080 --> 00:12:27,439
Speaker 4: fair and to be clear to myself take you know,

245
00:12:28,200 --> 00:12:31,719
Speaker 4: investing your own personal money is very different than reporting

246
00:12:31,800 --> 00:12:37,439
Speaker 4: on and being a journalist about market movements and the economy.

247
00:12:37,480 --> 00:12:39,719
Speaker 4: I mean, when my marriage started to go bad, that's

248
00:12:39,760 --> 00:12:42,240
Speaker 4: when I realized letting my husband handle all the financial

249
00:12:42,240 --> 00:12:45,760
Speaker 4: stuff was a was one of the biggest mistakes of

250
00:12:45,760 --> 00:12:47,600
Speaker 4: my life because I had to stay in the marriage

251
00:12:47,679 --> 00:12:50,840
Speaker 4: years longer than I should have because I felt stuck.

252
00:12:50,880 --> 00:12:52,880
Speaker 4: I had two kids under the age of ten at

253
00:12:52,880 --> 00:12:55,520
Speaker 4: the time. You know, what if I lost all our

254
00:12:55,559 --> 00:12:58,400
Speaker 4: money and you know, because I made a mistake. So

255
00:12:58,559 --> 00:13:01,000
Speaker 4: it was it was a confidence issue. It's something that

256
00:13:01,040 --> 00:13:02,280
Speaker 4: I found out a lot of women have.

257
00:13:03,080 --> 00:13:08,200
Speaker 3: Yeah, I mean there's I'm also divorced, and you know,

258
00:13:09,559 --> 00:13:11,120
Speaker 3: there was a piece a lot of women say that

259
00:13:11,160 --> 00:13:12,800
Speaker 3: you know, they wish they could leave, they don't have

260
00:13:14,360 --> 00:13:18,360
Speaker 3: the means, or they're afraid, and uh, I mean one

261
00:13:18,400 --> 00:13:20,480
Speaker 3: of the one of this is actually really sad to

262
00:13:20,480 --> 00:13:23,440
Speaker 3: admit this, but one of the reasons I stayed, you know,

263
00:13:23,920 --> 00:13:26,480
Speaker 3: for longer than I should. Yes, the kids and everything else,

264
00:13:26,840 --> 00:13:29,679
Speaker 3: but I didn't want to lose because I was the

265
00:13:31,440 --> 00:13:33,079
Speaker 3: I made the money in the marriage, and so I

266
00:13:33,160 --> 00:13:34,480
Speaker 3: knew he was going to go after it because we

267
00:13:34,520 --> 00:13:37,600
Speaker 3: didn't have a prenup, and so I was scared that

268
00:13:37,640 --> 00:13:40,760
Speaker 3: he which he ended up taking. But you know, it

269
00:13:40,840 --> 00:13:43,400
Speaker 3: was one of those where I was I didn't want

270
00:13:43,400 --> 00:13:46,040
Speaker 3: to lose the money that I worked for and that

271
00:13:46,080 --> 00:13:46,800
Speaker 3: he would take it all.

272
00:13:47,000 --> 00:13:48,600
Speaker 4: And you're a new marriage. Did you get a prenup?

273
00:13:48,880 --> 00:13:52,880
Speaker 3: You know, we've never discussed that publicly, and we as

274
00:13:53,000 --> 00:13:54,560
Speaker 3: one of the things that we were going to keep

275
00:13:54,559 --> 00:13:56,480
Speaker 3: a private, but I did have a lot of people.

276
00:13:57,360 --> 00:14:01,040
Speaker 3: We had conversations around it. He had his is I'll

277
00:14:01,080 --> 00:14:03,840
Speaker 3: let you express your thoughts on a prenup.

278
00:14:05,559 --> 00:14:10,000
Speaker 2: My thoughts on a prenup? Ah, I mean nothing.

279
00:14:10,000 --> 00:14:11,480
Speaker 1: You didn't love the topic of it.

280
00:14:12,160 --> 00:14:14,720
Speaker 2: That right from both sides.

281
00:14:15,040 --> 00:14:19,000
Speaker 1: Yeah, same. I hated I hated the bringing the conversation.

282
00:14:20,480 --> 00:14:23,160
Speaker 4: Because it's putting an ending on something that you haven't

283
00:14:23,280 --> 00:14:24,160
Speaker 4: even begun yet.

284
00:14:24,760 --> 00:14:30,640
Speaker 2: That yes, you're discussing failure before you've even started. Which yeah,

285
00:14:30,840 --> 00:14:34,440
Speaker 2: it's it's never an easy thing to the raison I'll

286
00:14:34,480 --> 00:14:39,400
Speaker 2: talk about and even execute. Mm hmm. So we've we've

287
00:14:39,400 --> 00:14:43,160
Speaker 2: had that certain way that we can keep to ourselves.

288
00:14:43,560 --> 00:14:44,960
Speaker 3: Yeah, And I think at the end of the day,

289
00:14:45,160 --> 00:14:49,120
Speaker 3: you said, you know you would if you know, and so,

290
00:14:50,120 --> 00:14:54,360
Speaker 3: but I it's I would tell anyone to get one

291
00:14:54,840 --> 00:14:57,080
Speaker 3: knowing what I And that was always what I said

292
00:14:57,080 --> 00:14:59,440
Speaker 3: to him. I'm like, I don't think you're my ex.

293
00:14:59,760 --> 00:15:01,160
Speaker 3: That's He's like, I'm not your acts. I'm like, I

294
00:15:01,200 --> 00:15:03,720
Speaker 3: know you're not. I said, but you know, at the

295
00:15:03,800 --> 00:15:05,960
Speaker 3: end of the day, when people get divorced, you hate

296
00:15:06,000 --> 00:15:09,360
Speaker 3: each other. So at the end of the day, I'm

297
00:15:09,400 --> 00:15:13,160
Speaker 3: not getting divorced to the love of mine like you will.

298
00:15:13,200 --> 00:15:15,760
Speaker 3: We could hate each other, you know, and then you'll

299
00:15:16,040 --> 00:15:18,480
Speaker 3: So that's it's just protection, like health insurance. That's what

300
00:15:18,480 --> 00:15:20,640
Speaker 3: my lawyer always said, it's like getting health insurance.

301
00:15:20,720 --> 00:15:22,760
Speaker 2: I think it's also because but both like I lost

302
00:15:22,800 --> 00:15:26,200
Speaker 2: a lot of money in my divorce my last marriage.

303
00:15:26,320 --> 00:15:29,440
Speaker 2: You've lost a lot of money in your your previous one,

304
00:15:29,480 --> 00:15:33,880
Speaker 2: so it's a it's a prety harndous subject.

305
00:15:33,920 --> 00:15:37,680
Speaker 3: What Alison, obviously you're pro Did you have one with

306
00:15:37,720 --> 00:15:38,360
Speaker 3: your marriage?

307
00:15:38,560 --> 00:15:41,520
Speaker 4: No? I did not have a prenup, but I learned

308
00:15:41,520 --> 00:15:45,040
Speaker 4: about the things that I should have done while getting

309
00:15:45,040 --> 00:15:48,960
Speaker 4: a divorce. I rushed through it. I just was like,

310
00:15:49,000 --> 00:15:50,240
Speaker 4: I just want to tidy it up and get it

311
00:15:50,240 --> 00:15:53,240
Speaker 4: out of the way, get back to some normalcy, make

312
00:15:53,280 --> 00:15:56,160
Speaker 4: sure my kids are good, most important, and that's really

313
00:15:56,200 --> 00:15:58,560
Speaker 4: all I cared about. But I learned rushing through a

314
00:15:58,600 --> 00:16:02,240
Speaker 4: divorce is probably not the bit the best thing. I

315
00:16:02,280 --> 00:16:04,960
Speaker 4: probably got the short end of the stick, but I

316
00:16:05,040 --> 00:16:07,040
Speaker 4: wanted it to be amicable. I didn't want it to

317
00:16:07,080 --> 00:16:10,560
Speaker 4: get down and dirty. It wasn't my thing. And I

318
00:16:11,040 --> 00:16:13,280
Speaker 4: lost out on some money that I should have probably gotten.

319
00:16:13,360 --> 00:16:16,520
Speaker 3: But you know what's interesting is so did my best

320
00:16:16,560 --> 00:16:18,480
Speaker 3: friend literally said that too. She goes if I could

321
00:16:18,560 --> 00:16:21,000
Speaker 3: go back, She's like, I just wanted it to be

322
00:16:21,160 --> 00:16:24,360
Speaker 3: done and get out, but she as well lost out

323
00:16:24,400 --> 00:16:28,080
Speaker 3: on properties and other money. And do you think that

324
00:16:28,920 --> 00:16:31,680
Speaker 3: if you could go back now, would you tell women

325
00:16:31,840 --> 00:16:37,000
Speaker 3: to not just you know, fast forward to the end.

326
00:16:37,360 --> 00:16:39,280
Speaker 4: Oh, absolutely, I would say take your time. I mean,

327
00:16:39,280 --> 00:16:41,040
Speaker 4: it doesn't mean you can't be amicable. You could take

328
00:16:41,040 --> 00:16:43,400
Speaker 4: your time and be amicable. It is possible, and I

329
00:16:43,400 --> 00:16:48,080
Speaker 4: should have seen that. I would have also probably understood

330
00:16:48,200 --> 00:16:50,880
Speaker 4: the spending requirements in my household more. I would have

331
00:16:51,000 --> 00:16:54,000
Speaker 4: understood the life, the lifestyle costs that were you know,

332
00:16:54,560 --> 00:16:57,360
Speaker 4: that were happening. I would have understood all the bills,

333
00:16:57,480 --> 00:17:03,160
Speaker 4: meaning full visibility over every because like just for instance,

334
00:17:03,240 --> 00:17:05,280
Speaker 4: I live in a home where there's it's a homeowners

335
00:17:05,359 --> 00:17:09,440
Speaker 4: association attached to it. That's a lot of money every

336
00:17:09,480 --> 00:17:12,359
Speaker 4: month and that was not factored into any of the

337
00:17:12,400 --> 00:17:16,680
Speaker 4: child support, and part of the child support is taking

338
00:17:16,720 --> 00:17:19,480
Speaker 4: care of the kids, and I would assume the house,

339
00:17:19,560 --> 00:17:22,679
Speaker 4: although maybe lawyers would think that the house is separate.

340
00:17:22,760 --> 00:17:24,760
Speaker 4: But it's a lot of money. Let's just put it

341
00:17:24,840 --> 00:17:29,640
Speaker 4: an year after year after year, while the ex husband

342
00:17:29,720 --> 00:17:33,800
Speaker 4: is paying child support but not paying part of those homeowners' fees.

343
00:17:33,840 --> 00:17:37,520
Speaker 4: At least it adds up. So I would definitely suggest

344
00:17:37,720 --> 00:17:42,000
Speaker 4: having full visibility over everything. And that's actually where budgeting

345
00:17:42,040 --> 00:17:45,399
Speaker 4: comes into play, is why and when you budget, And

346
00:17:45,440 --> 00:17:47,879
Speaker 4: I recommend writing it out. It sounds tedious and awful,

347
00:17:47,920 --> 00:17:50,760
Speaker 4: but that's the point is that you think about everything

348
00:17:50,760 --> 00:17:53,840
Speaker 4: that you that the outgoing money is for, and you

349
00:17:53,880 --> 00:17:58,440
Speaker 4: write everything down and you see it, and you're able

350
00:17:58,480 --> 00:18:01,520
Speaker 4: to you know, use that in your discussions with your

351
00:18:01,560 --> 00:18:05,040
Speaker 4: lawyer for you know, as you get your divorce. You know,

352
00:18:05,480 --> 00:18:07,120
Speaker 4: that's the one thing that I would suggest.

353
00:18:08,760 --> 00:18:11,560
Speaker 2: Yeah, So if that's what is the main thing, the

354
00:18:11,560 --> 00:18:16,360
Speaker 2: most powerful message for for women and divorce, what's your

355
00:18:16,480 --> 00:18:21,000
Speaker 2: number one powerful financial tip for them?

356
00:18:21,560 --> 00:18:24,919
Speaker 4: Make sure you've got make sure you've got some available credit.

357
00:18:25,040 --> 00:18:26,720
Speaker 4: You've got to have a credit card in your name.

358
00:18:27,400 --> 00:18:29,560
Speaker 4: Make sure that you're you know, you want to make

359
00:18:29,600 --> 00:18:32,359
Speaker 4: sure you want to kind of try to if you know,

360
00:18:32,400 --> 00:18:34,879
Speaker 4: if you know you're going down that road, you've got

361
00:18:34,920 --> 00:18:39,240
Speaker 4: to build up your credit score, just as a proverbial plan,

362
00:18:39,320 --> 00:18:41,000
Speaker 4: be just in case you need to take out a

363
00:18:41,000 --> 00:18:42,360
Speaker 4: loan or something like that.

364
00:18:42,359 --> 00:18:43,320
Speaker 1: It's a really good point.

365
00:18:43,560 --> 00:18:45,560
Speaker 4: Make sure you have accessed the cash in your own

366
00:18:45,640 --> 00:18:48,600
Speaker 4: name so you can pay your attorney and cover expenses

367
00:18:48,640 --> 00:18:52,159
Speaker 4: if there's a chance that your husband were to just

368
00:18:52,200 --> 00:18:58,320
Speaker 4: cut you off, and I would reassess your insurance coverage

369
00:18:58,400 --> 00:19:01,240
Speaker 4: once you are divorced. Make sure each person has adequate

370
00:19:01,440 --> 00:19:05,920
Speaker 4: insurance coverage. I'm talking about health and life insurance, especially

371
00:19:06,040 --> 00:19:10,760
Speaker 4: if kids are involved. Yeah, those are the biggies with divorce,

372
00:19:10,800 --> 00:19:11,320
Speaker 4: I would.

373
00:19:11,080 --> 00:19:12,399
Speaker 1: Say, Yeah.

374
00:19:12,480 --> 00:19:15,640
Speaker 2: So was there a defining point where you're like, Okay,

375
00:19:15,680 --> 00:19:18,720
Speaker 2: I've learned a lot from my job as a correspond

376
00:19:18,800 --> 00:19:22,199
Speaker 2: financial correspondent. I've been through divorce where I had no

377
00:19:22,280 --> 00:19:24,879
Speaker 2: control of the finances. What was the king that define

378
00:19:24,920 --> 00:19:26,439
Speaker 2: the moment where you're like, I'm going to tell this

379
00:19:26,920 --> 00:19:28,000
Speaker 2: and help people.

380
00:19:28,400 --> 00:19:30,399
Speaker 4: It was it was the things that happened after the

381
00:19:31,040 --> 00:19:35,320
Speaker 4: divorce where I made mistakes that made me realize, this

382
00:19:35,480 --> 00:19:38,160
Speaker 4: is eft up. There's so much that I don't know

383
00:19:38,200 --> 00:19:41,720
Speaker 4: that I'm just diving into one thing that comes to mind.

384
00:19:41,480 --> 00:19:44,399
Speaker 4: I had to turn in my least car, and I

385
00:19:44,640 --> 00:19:47,399
Speaker 4: made huge mistakes from the moment I walked into the

386
00:19:47,400 --> 00:19:50,159
Speaker 4: car dealership and I thought, if I would know a

387
00:19:50,200 --> 00:19:54,240
Speaker 4: way just to buy a car with confidence, I want

388
00:19:54,240 --> 00:19:56,439
Speaker 4: to know that way. And there was nothing out there

389
00:19:56,440 --> 00:19:58,280
Speaker 4: that spoke to me. There was these huge volumes of

390
00:19:58,320 --> 00:20:02,240
Speaker 4: books and it's like it's too much information. So I

391
00:20:02,320 --> 00:20:05,439
Speaker 4: decided and based on not just that, but you know

392
00:20:05,520 --> 00:20:07,680
Speaker 4: all the other things that I went through about trying

393
00:20:07,680 --> 00:20:10,080
Speaker 4: to figure out the finances, is if there's one place

394
00:20:10,119 --> 00:20:12,359
Speaker 4: I can go to that not just gave me the

395
00:20:12,359 --> 00:20:15,919
Speaker 4: tips and the tools, but also explain why I am

396
00:20:16,040 --> 00:20:17,919
Speaker 4: able to do these things on my own and I

397
00:20:17,960 --> 00:20:20,800
Speaker 4: can have the confidence to do these things. I would

398
00:20:20,800 --> 00:20:22,320
Speaker 4: have read that in a heartbeat, and so I didn't

399
00:20:22,320 --> 00:20:24,320
Speaker 4: see anything out there, So I wrote the book that

400
00:20:25,240 --> 00:20:25,720
Speaker 4: I needed.

401
00:20:26,040 --> 00:20:29,800
Speaker 3: What is your tip for getting walking onto the car lot?

402
00:20:30,200 --> 00:20:31,960
Speaker 4: Say as little as possible, And you don't have to

403
00:20:31,960 --> 00:20:34,720
Speaker 4: walk onto the car lot as All you have to

404
00:20:34,760 --> 00:20:37,240
Speaker 4: do is stay at home for probably ninety percent of

405
00:20:37,280 --> 00:20:40,879
Speaker 4: the work, and you negotiate off each car dealership on

406
00:20:40,920 --> 00:20:43,760
Speaker 4: your email and maybe a little bit on the phone.

407
00:20:43,800 --> 00:20:47,679
Speaker 4: But you're negotiating over email. It winds up being a

408
00:20:47,720 --> 00:20:50,280
Speaker 4: lot of work, but it also means that you're going

409
00:20:50,320 --> 00:20:53,280
Speaker 4: to get probably a more a fairer deal than if

410
00:20:53,320 --> 00:20:55,200
Speaker 4: you would have walked onto the car dealership lot.

411
00:20:56,000 --> 00:20:58,040
Speaker 1: Huh who now?

412
00:20:58,960 --> 00:21:00,800
Speaker 4: But I mean think about the people do this for

413
00:21:00,840 --> 00:21:02,800
Speaker 4: a living. They do it every day. You know, you

414
00:21:02,880 --> 00:21:05,800
Speaker 4: and I go buy a car for what every three years?

415
00:21:05,840 --> 00:21:07,760
Speaker 4: Couple of years years? Yeah, I mean we'll do it

416
00:21:07,760 --> 00:21:09,000
Speaker 4: every day. We don't know the ins and out, so

417
00:21:09,040 --> 00:21:11,480
Speaker 4: they are experts at it. We aren't. So they've got

418
00:21:11,480 --> 00:21:13,560
Speaker 4: the upper hand. So how do you get that upper

419
00:21:13,560 --> 00:21:18,480
Speaker 4: hand back? You negotiate, not face to face but via email,

420
00:21:18,840 --> 00:21:24,560
Speaker 4: and you literally negotiate one car dealership off another. It's possible.

421
00:21:24,600 --> 00:21:25,800
Speaker 4: I promise to know.

422
00:21:26,000 --> 00:21:28,359
Speaker 3: My lease is up in next year, so I'm going

423
00:21:28,440 --> 00:21:31,159
Speaker 3: to be in the in the business of trying to

424
00:21:32,240 --> 00:21:34,040
Speaker 3: I'll read chapter seven because that's how to buy a

425
00:21:34,040 --> 00:21:36,720
Speaker 3: car with confidence without getting ripped off step by step.

426
00:21:36,800 --> 00:21:38,200
Speaker 1: I will be on chapter seven.

427
00:21:38,359 --> 00:21:41,200
Speaker 2: But it's so really and they always say the best,

428
00:21:41,240 --> 00:21:43,880
Speaker 2: the best advice in life is always the most simple advice.

429
00:21:43,960 --> 00:21:49,199
Speaker 2: But something like that is it's so simple but overlooked

430
00:21:49,240 --> 00:21:52,400
Speaker 2: and so important. Look for a woman who's gone through

431
00:21:52,440 --> 00:21:54,840
Speaker 2: that traumatic experience with divorce. Okay, now I need to

432
00:21:54,840 --> 00:21:57,040
Speaker 2: get a car. No, I need to get a credit card.

433
00:21:57,480 --> 00:21:59,439
Speaker 2: Now I need to build credit. Like it's not you

434
00:21:59,440 --> 00:22:01,959
Speaker 2: don't even think these things. To have a step by

435
00:22:01,960 --> 00:22:05,320
Speaker 2: step gate on how to do it is it's pretty powerful.

436
00:22:05,680 --> 00:22:08,239
Speaker 4: Yeah. One other thing as well, if you're you know,

437
00:22:08,359 --> 00:22:11,320
Speaker 4: for women who are married and lucky for them, if

438
00:22:11,359 --> 00:22:13,480
Speaker 4: they got a husband who can pay for everything and

439
00:22:13,520 --> 00:22:14,880
Speaker 4: they don't have to work and they can just take

440
00:22:14,880 --> 00:22:18,280
Speaker 4: care of the kids, I implore you talking to women,

441
00:22:19,160 --> 00:22:21,080
Speaker 4: keep your toe in the water as far as your

442
00:22:21,119 --> 00:22:24,560
Speaker 4: career goes. Don't just completely step out of it. You've

443
00:22:24,560 --> 00:22:27,280
Speaker 4: got to stay in it just a little bit, you know,

444
00:22:27,359 --> 00:22:31,439
Speaker 4: because you know life is great now, it's blissfully happy,

445
00:22:31,480 --> 00:22:34,159
Speaker 4: but you know life can turn on a dime, and

446
00:22:34,240 --> 00:22:38,359
Speaker 4: you you know forever isn't guaranteed, and you have to

447
00:22:38,400 --> 00:22:42,639
Speaker 4: always plan for that plan b and I spoke to

448
00:22:42,680 --> 00:22:44,879
Speaker 4: many women in this book. I did lots of interviews,

449
00:22:44,880 --> 00:22:47,560
Speaker 4: the cautionary tales in their own words, and these women

450
00:22:47,600 --> 00:22:51,440
Speaker 4: who whose husbands you know, were taking care of them

451
00:22:51,440 --> 00:22:55,320
Speaker 4: and that's great, but then they died and they didn't

452
00:22:55,320 --> 00:22:58,480
Speaker 4: have a career. And guess what, he didn't leave enough

453
00:22:58,560 --> 00:23:01,000
Speaker 4: in his life insurance policy for the family. And she

454
00:23:01,040 --> 00:23:03,399
Speaker 4: didn't realize that until after he was gone, and so

455
00:23:04,080 --> 00:23:07,919
Speaker 4: she had to somehow claw her way back into, you know,

456
00:23:08,160 --> 00:23:11,000
Speaker 4: being a working mom when it's been seven years since

457
00:23:11,000 --> 00:23:14,879
Speaker 4: she's been working, and it's hard, it's really hard. So

458
00:23:15,080 --> 00:23:17,080
Speaker 4: if you just sort of stay in the mix as

459
00:23:17,119 --> 00:23:19,320
Speaker 4: best as you can, even just a little bit, that's

460
00:23:19,320 --> 00:23:19,920
Speaker 4: my suggestion.

461
00:23:20,800 --> 00:23:36,000
Speaker 3: That's a good I like that. In chapter two, it's

462
00:23:36,080 --> 00:23:39,679
Speaker 3: where the f is my money going? What do you

463
00:23:39,760 --> 00:23:43,800
Speaker 3: think women spend, like, where do you think we're not

464
00:23:43,920 --> 00:23:44,919
Speaker 3: good spenders?

465
00:23:45,320 --> 00:23:46,560
Speaker 1: And where our money is going?

466
00:23:47,080 --> 00:23:50,040
Speaker 4: Well, I don't want to stereotype in generalize and I

467
00:23:50,040 --> 00:23:51,640
Speaker 4: don't want to do like injections.

468
00:23:51,680 --> 00:23:53,600
Speaker 1: Botox is after meaning.

469
00:23:54,040 --> 00:23:55,920
Speaker 4: I mean it could be anything. I mean, if you're

470
00:23:56,000 --> 00:23:58,400
Speaker 4: scrolling through Instagram and these ads come out, you've bought

471
00:23:58,400 --> 00:24:00,320
Speaker 4: some pool makeup. I mean, how easy to just a

472
00:24:00,359 --> 00:24:02,119
Speaker 4: couple of clips and you're going to buy something. But

473
00:24:02,600 --> 00:24:04,639
Speaker 4: that kind of thing can add up. And that's the

474
00:24:04,640 --> 00:24:08,639
Speaker 4: whole point of budgeting is that you can budget. Budgeting

475
00:24:08,760 --> 00:24:11,680
Speaker 4: is saying where your money, where you want your money

476
00:24:11,680 --> 00:24:13,320
Speaker 4: to go to. So you get your paycheck and some

477
00:24:13,359 --> 00:24:15,280
Speaker 4: of it goes to your bills, and some of it

478
00:24:15,320 --> 00:24:18,719
Speaker 4: goes to hopefully your emergency fund and your investments, and

479
00:24:18,760 --> 00:24:21,560
Speaker 4: you you know, you allot some for the fun stuff.

480
00:24:21,600 --> 00:24:23,960
Speaker 4: And if you only have a finite amount of money

481
00:24:23,960 --> 00:24:26,400
Speaker 4: for the fun stuff, maybe you should think twice about

482
00:24:26,400 --> 00:24:30,240
Speaker 4: that makeup purchase or or that extra shadow budgtos or something.

483
00:24:30,320 --> 00:24:33,400
Speaker 4: So you know, that's the point of budgeting.

484
00:24:33,680 --> 00:24:36,359
Speaker 3: What's the percentage of the money that you make should

485
00:24:36,400 --> 00:24:37,680
Speaker 3: be play money?

486
00:24:38,080 --> 00:24:39,679
Speaker 4: I mean, it depends on how much money you have

487
00:24:39,760 --> 00:24:42,880
Speaker 4: coming in and what your bills are. There are different scenarios,

488
00:24:42,920 --> 00:24:45,919
Speaker 4: and you should you should create a budget that you

489
00:24:45,960 --> 00:24:50,639
Speaker 4: could actually handle, because if you can't, if you can't

490
00:24:50,680 --> 00:24:53,840
Speaker 4: live by sort of the rules that you've created yourself,

491
00:24:53,960 --> 00:24:56,840
Speaker 4: the whole budget goes out the window. I have different

492
00:24:56,840 --> 00:24:58,760
Speaker 4: scenarios in the book. It just really depends on how

493
00:24:58,840 --> 00:25:00,959
Speaker 4: much how much money you have coming in and what

494
00:25:01,000 --> 00:25:03,280
Speaker 4: your bills are, and also how much jet you're caring.

495
00:25:03,320 --> 00:25:06,240
Speaker 4: If you're carrying a ton of credit card debt, you've

496
00:25:06,280 --> 00:25:08,639
Speaker 4: got to tackle that sooner rather than later, especially with

497
00:25:08,680 --> 00:25:10,560
Speaker 4: interest rates so high.

498
00:25:10,640 --> 00:25:15,480
Speaker 3: Speaking of the interest rates, if this hypothetical question, would

499
00:25:15,480 --> 00:25:21,760
Speaker 3: you have someone pay down their mortgage or let's just say,

500
00:25:21,920 --> 00:25:24,320
Speaker 3: use that money to put in a sport court in

501
00:25:24,359 --> 00:25:25,000
Speaker 3: their backyard?

502
00:25:27,800 --> 00:25:29,040
Speaker 4: And are you talking about you?

503
00:25:29,640 --> 00:25:30,280
Speaker 1: I don't know.

504
00:25:30,480 --> 00:25:32,800
Speaker 3: I'm just because I just had a call with my

505
00:25:32,840 --> 00:25:34,720
Speaker 3: business manager, and you know, he's like, hey, He's like,

506
00:25:34,760 --> 00:25:37,120
Speaker 3: I think, you know, we've got some money over over

507
00:25:37,119 --> 00:25:39,680
Speaker 3: here that we can put and you know, start paying

508
00:25:39,760 --> 00:25:42,480
Speaker 3: down you know right now you're just having interest in

509
00:25:42,520 --> 00:25:43,040
Speaker 3: all that stuff.

510
00:25:43,080 --> 00:25:44,160
Speaker 1: And I'm like, yeah, I know.

511
00:25:44,440 --> 00:25:47,840
Speaker 3: Okay, but like I also really I we don't do

512
00:25:48,200 --> 00:25:51,240
Speaker 3: I mean, it'd be really nice to. We've been dreaming

513
00:25:51,320 --> 00:25:55,720
Speaker 3: up having this little tennis slash pickleball court on the

514
00:25:55,720 --> 00:25:59,119
Speaker 3: side of the house, and so we've just been chatting

515
00:25:59,119 --> 00:26:01,719
Speaker 3: about that. I was like, Kevin, maybe I could do

516
00:26:01,880 --> 00:26:03,920
Speaker 3: this to use that. And I was like, because I

517
00:26:03,960 --> 00:26:06,239
Speaker 3: could die tomorrow, and like, who would care that my

518
00:26:06,280 --> 00:26:07,280
Speaker 3: mortgage rate was down?

519
00:26:07,480 --> 00:26:08,840
Speaker 1: You know, like, well, I.

520
00:26:08,760 --> 00:26:10,760
Speaker 4: Mean if you have a lower mortgage rate, I would say,

521
00:26:10,760 --> 00:26:11,520
Speaker 4: I wouldn't know.

522
00:26:11,600 --> 00:26:14,240
Speaker 1: It's quite high. Unfortunately, I buy it a real bad time.

523
00:26:14,680 --> 00:26:17,240
Speaker 4: Oh maybe maybe think are you looking to stay in

524
00:26:17,280 --> 00:26:21,520
Speaker 4: the house longer? Yeah, right, maybe look at when the

525
00:26:21,800 --> 00:26:24,000
Speaker 4: I mean, if if interest rates are lower now I'll

526
00:26:24,000 --> 00:26:25,680
Speaker 4: believe it or not, if they fit there that high,

527
00:26:25,680 --> 00:26:30,320
Speaker 4: If it's lower than what you signed at, I would say, refinance.

528
00:26:30,320 --> 00:26:33,040
Speaker 1: Okay, and then do the sport cork gab it.

529
00:26:33,720 --> 00:26:36,359
Speaker 4: Well, you only live once, right exactly. I know.

530
00:26:36,480 --> 00:26:38,600
Speaker 3: I think I think you have to have balance because

531
00:26:38,640 --> 00:26:42,360
Speaker 3: Alan you know, I come from a very I say

532
00:26:42,400 --> 00:26:44,960
Speaker 3: this a lot, but I don't. I have a really

533
00:26:45,040 --> 00:26:47,280
Speaker 3: hard time spending money. You know, I take any free

534
00:26:47,359 --> 00:26:50,800
Speaker 3: vacation we can get. I mean, I'm like, I you know,

535
00:26:50,840 --> 00:26:54,720
Speaker 3: I don't buy expensive stuff. I've got like one or

536
00:26:54,760 --> 00:26:59,080
Speaker 3: two nice handbags. You know, I'd drive a very chill car.

537
00:26:59,520 --> 00:27:00,960
Speaker 4: You've got to scarcity mindset.

538
00:27:01,160 --> 00:27:03,200
Speaker 1: I have very scarcity mindset. Mom was single.

539
00:27:03,240 --> 00:27:07,000
Speaker 3: Mom, I didn't have money until my thirties, so this

540
00:27:07,160 --> 00:27:10,439
Speaker 3: is all new to me. So I hold it on

541
00:27:10,520 --> 00:27:12,880
Speaker 3: unless it's for my kids and the family, unless it's

542
00:27:12,880 --> 00:27:16,200
Speaker 3: like a family vacation or something like a sport court

543
00:27:16,280 --> 00:27:16,960
Speaker 3: for everyone.

544
00:27:17,520 --> 00:27:18,399
Speaker 1: I would never do that.

545
00:27:18,880 --> 00:27:20,640
Speaker 4: Are you going to have fun on the sport court too?

546
00:27:21,040 --> 00:27:21,639
Speaker 1: Yeah?

547
00:27:21,720 --> 00:27:23,639
Speaker 4: Then you know what you guys should? I say, go

548
00:27:23,720 --> 00:27:24,760
Speaker 4: for it if you can handle it.

549
00:27:27,840 --> 00:27:32,159
Speaker 2: Yeah, we throw a quality of life and enjoying the

550
00:27:32,200 --> 00:27:34,280
Speaker 2: fruits of your labor as also. There's a balance with

551
00:27:34,320 --> 00:27:35,320
Speaker 2: that and it's important.

552
00:27:35,880 --> 00:27:37,720
Speaker 4: And then maybe Ellen, that's what you're for to show

553
00:27:37,720 --> 00:27:39,960
Speaker 4: her that it's okay to enjoy the money, the fruits

554
00:27:39,960 --> 00:27:41,760
Speaker 4: of your labor, the money that you're earning.

555
00:27:42,359 --> 00:27:45,000
Speaker 3: Well, he always is like he tries to calm me

556
00:27:45,040 --> 00:27:46,880
Speaker 3: down because I stress a lot.

557
00:27:47,520 --> 00:27:49,119
Speaker 2: But when you don't need to.

558
00:27:49,520 --> 00:27:53,359
Speaker 3: But you know again, it's you know, I it's I

559
00:27:53,400 --> 00:27:55,960
Speaker 3: say this again a lot, but it's there's a lot.

560
00:27:56,200 --> 00:27:58,760
Speaker 3: My work is so up and down. I never know

561
00:27:59,000 --> 00:28:01,800
Speaker 3: when things are coming in. And then you know, having

562
00:28:01,840 --> 00:28:03,880
Speaker 3: to pay child support and this, that and the other.

563
00:28:03,920 --> 00:28:04,720
Speaker 3: So it's just a lot.

564
00:28:06,080 --> 00:28:08,439
Speaker 4: Yeah, I'm sure it is. So do you do you budget?

565
00:28:08,640 --> 00:28:11,680
Speaker 1: I just don't buy anything. Oh that's my budget.

566
00:28:11,920 --> 00:28:13,760
Speaker 2: But the point that will be, only buy it if

567
00:28:13,800 --> 00:28:14,199
Speaker 2: we need to.

568
00:28:14,920 --> 00:28:18,480
Speaker 1: Yeah, it's like Amazon, Okay, do.

569
00:28:18,400 --> 00:28:21,240
Speaker 2: We need this, Yeah, let's buy it. So it's more necessity.

570
00:28:21,440 --> 00:28:24,040
Speaker 1: I couldn't tell you the last thing that I bought, truly.

571
00:28:24,440 --> 00:28:27,120
Speaker 2: I bought a knife to cut the gem mutts last

572
00:28:27,200 --> 00:28:29,480
Speaker 2: night at forty dollars.

573
00:28:30,240 --> 00:28:31,679
Speaker 4: That sounds like a necessity to me.

574
00:28:35,760 --> 00:28:38,320
Speaker 1: Alison, what is one thing that you want women to

575
00:28:38,360 --> 00:28:39,160
Speaker 1: know about money?

576
00:28:39,920 --> 00:28:42,000
Speaker 4: The one thing I want women to know about money

577
00:28:42,120 --> 00:28:44,880
Speaker 4: is you've got to be involved in your money. Don't

578
00:28:45,040 --> 00:28:47,680
Speaker 4: just ponnd it off to somebody else, maybe a husband,

579
00:28:47,880 --> 00:28:52,920
Speaker 4: a significant other. Don't avoid it because you are fearful

580
00:28:53,000 --> 00:28:57,320
Speaker 4: of it, because it's always going to be there. And

581
00:28:57,320 --> 00:28:59,560
Speaker 4: when I say get involved, I mean have full visibility

582
00:28:59,560 --> 00:29:02,000
Speaker 4: about how much money is going out and how much

583
00:29:02,040 --> 00:29:05,320
Speaker 4: money is coming in. If you are, if you're married

584
00:29:05,400 --> 00:29:07,720
Speaker 4: and you've got your husband investing, you've got to be

585
00:29:07,760 --> 00:29:11,800
Speaker 4: aware of what he or she is investing in. Nowhere,

586
00:29:12,000 --> 00:29:15,520
Speaker 4: you know, know about all of the financial stuff in

587
00:29:15,560 --> 00:29:18,239
Speaker 4: your house. So what assets do you have, where are

588
00:29:18,280 --> 00:29:21,520
Speaker 4: the documents for that? How much debt is your family carrying?

589
00:29:23,360 --> 00:29:25,600
Speaker 4: You know, what are the investments in? Where are the

590
00:29:25,720 --> 00:29:27,600
Speaker 4: checks and balances in that? That's why you need to

591
00:29:27,600 --> 00:29:30,360
Speaker 4: be involved. What are the passwords to all the accounts?

592
00:29:30,600 --> 00:29:33,239
Speaker 4: Have you looked lately at who the beneficiaries are on

593
00:29:33,280 --> 00:29:35,960
Speaker 4: your accounts? That's really important. A lot of people get

594
00:29:35,960 --> 00:29:38,800
Speaker 4: busy with life and things change and they the last

595
00:29:38,800 --> 00:29:41,640
Speaker 4: thing they think about is putting the correct beneficiaries on

596
00:29:41,760 --> 00:29:44,600
Speaker 4: their accounts. You've got to make sure. You've got to

597
00:29:44,640 --> 00:29:46,200
Speaker 4: look and make sure. And it's not just a one

598
00:29:46,240 --> 00:29:47,880
Speaker 4: and done thing. You should probably be looking at it

599
00:29:47,920 --> 00:29:48,440
Speaker 4: once a year.

600
00:29:50,280 --> 00:29:53,400
Speaker 3: You have a will, right like you tell what should women?

601
00:29:54,000 --> 00:29:56,680
Speaker 3: It's a have a have a will family will, or

602
00:29:57,560 --> 00:29:59,240
Speaker 3: to have all that set up to now that we're

603
00:29:59,280 --> 00:30:01,560
Speaker 3: in our forty.

604
00:30:00,640 --> 00:30:03,680
Speaker 4: And or an estate plan depending on you know, if

605
00:30:03,760 --> 00:30:08,120
Speaker 4: you're somebody who's like a twenty year old, I would

606
00:30:08,120 --> 00:30:10,200
Speaker 4: say you don't need an estate plan, have a will,

607
00:30:10,280 --> 00:30:14,240
Speaker 4: but have a healthcare directive. And as you get older

608
00:30:14,280 --> 00:30:17,000
Speaker 4: and accumulate assets, I would say in estate plan is

609
00:30:17,000 --> 00:30:19,760
Speaker 4: definitely necessary. And also there are tax benefits to that

610
00:30:19,840 --> 00:30:23,880
Speaker 4: as well for your kids. So it's kind of like

611
00:30:23,920 --> 00:30:26,600
Speaker 4: a lock box. But once you open up an estate plan,

612
00:30:26,640 --> 00:30:28,520
Speaker 4: you have to actually fill it with stuff. It's kind

613
00:30:28,520 --> 00:30:31,080
Speaker 4: of like with your It's kind of like with your

614
00:30:31,120 --> 00:30:33,440
Speaker 4: WRATH or your traditional IRA. You can open up those accounts,

615
00:30:33,480 --> 00:30:35,880
Speaker 4: but you've got to actually put investments in them, so

616
00:30:35,960 --> 00:30:40,600
Speaker 4: it kind of works the same. And just like just

617
00:30:40,680 --> 00:30:44,800
Speaker 4: like the traditional and traditional and roth iras are tax

618
00:30:44,840 --> 00:30:48,600
Speaker 4: advantaged accounts, having an estate plan can also be tax

619
00:30:48,640 --> 00:30:51,680
Speaker 4: advantaged as well for your family. So when you're gone,

620
00:30:51,720 --> 00:30:54,440
Speaker 4: your kids aren't stuff paying taxes on all the money

621
00:30:54,440 --> 00:30:55,000
Speaker 4: that you've earned.

622
00:30:55,560 --> 00:30:58,760
Speaker 3: Yeah, that makes sense. You obviously mentioned budgeting a couple

623
00:30:58,800 --> 00:31:01,959
Speaker 3: of times. Do you have a lot of budgeting tips

624
00:31:02,000 --> 00:31:04,880
Speaker 3: in your book as well? Out of budget and what

625
00:31:04,960 --> 00:31:05,760
Speaker 3: to put what and what?

626
00:31:06,160 --> 00:31:07,800
Speaker 4: Oh? Yeah, and there are lots of budget choices and

627
00:31:07,840 --> 00:31:09,120
Speaker 4: I kind of made it fun. I made it so

628
00:31:09,160 --> 00:31:11,400
Speaker 4: you can choose from three types of budgets and I

629
00:31:11,560 --> 00:31:13,400
Speaker 4: liken them to shoes because who doesn't want to talk

630
00:31:13,400 --> 00:31:14,560
Speaker 4: about shoes.

631
00:31:14,920 --> 00:31:17,080
Speaker 3: Because it does it involve buying shoes? Because I was like,

632
00:31:17,280 --> 00:31:18,320
Speaker 3: I'd like a pair of shoes.

633
00:31:18,880 --> 00:31:20,400
Speaker 4: You can make room in your budget to buy a

634
00:31:20,480 --> 00:31:22,280
Speaker 4: pair of shoes. That's the whole point of budgeting is

635
00:31:22,280 --> 00:31:24,000
Speaker 4: you can make room for Once you have like a

636
00:31:24,120 --> 00:31:27,680
Speaker 4: full view of everything, it's amazing. It's sort of like

637
00:31:27,720 --> 00:31:30,320
Speaker 4: an aha moment. A light goes on and you're like, oh,

638
00:31:31,120 --> 00:31:33,479
Speaker 4: I'm spending that much on coffee every week. And I'm

639
00:31:33,520 --> 00:31:35,120
Speaker 4: not saying take the joy out of life and you're

640
00:31:35,120 --> 00:31:37,720
Speaker 4: not allowed to buy coffee, but sure it adds up.

641
00:31:38,040 --> 00:31:40,240
Speaker 4: That could be that could be money that you put

642
00:31:40,240 --> 00:31:43,200
Speaker 4: in your in your wroth account every month instead, and

643
00:31:43,280 --> 00:31:46,480
Speaker 4: then and then you realize that that that's accumulating for

644
00:31:46,520 --> 00:31:49,040
Speaker 4: your future financial self, and you know, you get to

645
00:31:49,040 --> 00:31:50,200
Speaker 4: feel better about yourself.

646
00:31:50,920 --> 00:31:53,600
Speaker 3: Do you think couples should have a budget they both

647
00:31:53,640 --> 00:31:56,360
Speaker 3: stick to or should it be should it be something

648
00:31:56,400 --> 00:32:00,480
Speaker 3: you talk about or be a free for all? Oh?

649
00:32:00,520 --> 00:32:02,000
Speaker 4: I definitely don't think it should be a free for all.

650
00:32:02,040 --> 00:32:03,400
Speaker 4: Can you imagine if it's a free for all?

651
00:32:03,880 --> 00:32:04,400
Speaker 3: I mean.

652
00:32:05,720 --> 00:32:07,120
Speaker 1: I've been in that before.

653
00:32:07,560 --> 00:32:10,440
Speaker 4: Oh yeah, I mean I think have open communication about

654
00:32:10,440 --> 00:32:12,040
Speaker 4: what each person wants, and I think you should be

655
00:32:12,080 --> 00:32:14,800
Speaker 4: doing that before you get married, because if your money,

656
00:32:15,720 --> 00:32:19,000
Speaker 4: if your money views don't align, I mean, you may

657
00:32:19,040 --> 00:32:21,440
Speaker 4: want to think twice about whether you guys should be together.

658
00:32:21,600 --> 00:32:25,000
Speaker 4: I mean, because money is the source of many arguments

659
00:32:25,000 --> 00:32:27,920
Speaker 4: and the source of many divorces. So I think you've

660
00:32:27,960 --> 00:32:32,040
Speaker 4: got to at least aligne on where each of you,

661
00:32:32,040 --> 00:32:36,680
Speaker 4: you know, falls along the line of spending and saving

662
00:32:36,720 --> 00:32:37,440
Speaker 4: and investing.

663
00:32:37,960 --> 00:32:41,120
Speaker 3: I feel like we're so no and that's all I

664
00:32:41,120 --> 00:32:44,240
Speaker 3: was just gonna say, like, you are so so good

665
00:32:45,120 --> 00:32:49,200
Speaker 3: and with money, and you don't buy crazy stuff. You

666
00:32:49,480 --> 00:32:51,520
Speaker 3: used to not be I know when I but I

667
00:32:51,560 --> 00:32:55,239
Speaker 3: didn't know you then, But you are so good with

668
00:32:55,280 --> 00:32:58,000
Speaker 3: it that it doesn't make me feel like you're just

669
00:32:58,080 --> 00:33:01,440
Speaker 3: like you know, any money you make, you just go

670
00:33:01,560 --> 00:33:05,080
Speaker 3: blow like you're you're you put it in, and we've

671
00:33:05,120 --> 00:33:07,520
Speaker 3: got our joint, you know. So it's like it's it

672
00:33:07,560 --> 00:33:09,760
Speaker 3: feels like a partnership and I have it. I never

673
00:33:09,800 --> 00:33:12,200
Speaker 3: felt that because I used to. We set a budget

674
00:33:12,240 --> 00:33:15,920
Speaker 3: one time my axe, and he blew right past it,

675
00:33:16,000 --> 00:33:18,320
Speaker 3: you know, and and he's wukers and I'm like, why here,

676
00:33:18,360 --> 00:33:21,840
Speaker 3: because we did that together to set you know, because

677
00:33:22,120 --> 00:33:24,080
Speaker 3: you were spending too much and I spent nothing, and

678
00:33:24,160 --> 00:33:25,640
Speaker 3: so I was trying to make it like meet in

679
00:33:25,680 --> 00:33:29,440
Speaker 3: the middle. But we've never had an issue on money.

680
00:33:28,880 --> 00:33:31,840
Speaker 2: Fighting don't buy anything extravagant.

681
00:33:31,280 --> 00:33:33,240
Speaker 3: I know, but I do have one small fear though,

682
00:33:34,720 --> 00:33:37,080
Speaker 3: yeah I have. I have a fear that one day

683
00:33:37,360 --> 00:33:38,840
Speaker 3: I'm going to come home and there's going to be

684
00:33:38,920 --> 00:33:42,440
Speaker 3: like a Corvette in the driveway because he's so obsessed

685
00:33:42,440 --> 00:33:46,360
Speaker 3: with cars. But I mean, hey, that makes you happy.

686
00:33:46,400 --> 00:33:48,080
Speaker 3: But then I would be that I could find myself

687
00:33:48,080 --> 00:33:50,040
Speaker 3: being like, well, I don't give myself anything, and he's

688
00:33:50,040 --> 00:33:51,200
Speaker 3: buying himself a car.

689
00:33:51,600 --> 00:33:53,680
Speaker 4: Maybe I should just go ahead and take that vacation

690
00:33:53,800 --> 00:33:55,240
Speaker 4: after all, my right.

691
00:33:55,520 --> 00:33:57,400
Speaker 3: But I would still reach out to a place first

692
00:33:57,400 --> 00:34:01,640
Speaker 3: and be like, can I get it for free? I

693
00:34:01,680 --> 00:34:03,400
Speaker 3: gotta try. It's the cheap girl in me, you know

694
00:34:03,440 --> 00:34:05,400
Speaker 3: what I mean, it's scavenger.

695
00:34:05,840 --> 00:34:07,400
Speaker 4: Well, all I can suggest that if you want to

696
00:34:07,400 --> 00:34:09,680
Speaker 4: get that Corvette and then you know, talk with it,

697
00:34:09,840 --> 00:34:11,680
Speaker 4: talk with her about it first, and maybe, you know,

698
00:34:11,880 --> 00:34:14,319
Speaker 4: is show how it can fit into your budgets so

699
00:34:14,360 --> 00:34:16,760
Speaker 4: she doesn't feel like, oh my god, you just grabbed

700
00:34:16,800 --> 00:34:19,000
Speaker 4: all the money and made it just made a free

701
00:34:19,040 --> 00:34:19,760
Speaker 4: for all purchase.

702
00:34:20,160 --> 00:34:22,120
Speaker 3: I think that's it. I think couples at least I

703
00:34:22,400 --> 00:34:28,640
Speaker 3: have that conversation. I know, no, I know almost had

704
00:34:28,680 --> 00:34:30,040
Speaker 3: a bow on it. But i'd be like, it's not

705
00:34:30,080 --> 00:34:32,120
Speaker 3: really for me, but I know what you're doing here.

706
00:34:33,560 --> 00:34:35,960
Speaker 2: I'll get you a pink seat cover for the passenger seat.

707
00:34:37,480 --> 00:34:41,520
Speaker 1: I don't even like pink anyways.

708
00:34:41,719 --> 00:34:44,240
Speaker 3: Well, thank you so much for coming on. I'm excited

709
00:34:44,239 --> 00:34:46,279
Speaker 3: to read your book and everyone go get what's up

710
00:34:46,280 --> 00:34:49,879
Speaker 3: with money? With women and money. It's available now how

711
00:34:49,920 --> 00:34:52,600
Speaker 3: to do all the financial stuff you've been avoiding. Thank

712
00:34:52,640 --> 00:34:53,600
Speaker 3: you so much, Alison.

713
00:34:54,400 --> 00:34:55,759
Speaker 4: Thanks guys, nice to meet you as well.

714
00:34:55,800 --> 00:34:57,239
Speaker 1: Appreciate you big girl,