Speaker 1: Episode two oh six, Building Holistic Wealth with Keisha Blair.
Speaker 1: Welcome to the Frugal Friends podcast, where you'll learn to
Speaker 1: save money, embrace simplicity, rights, and liver with your life.
Speaker 1: Here your host Jen and Jill mm hmm, Welcome to
Speaker 1: the Fancy Friends Podcast. This is Eleanor and this is Penelope,
Speaker 1: and I'm sorry for you. Thought you were getting the
Speaker 1: Frugal Friends podcast, but it's been replaced with the Fancy
Speaker 1: Friends And so we're gonna be talking about building holistic
Speaker 1: wealth in things that you have, in things that you want,
Speaker 1: and in things that you may not need but should
Speaker 1: have because they make you look wealthy. But first let's
Speaker 1: get into our highly paying sponsors, our new show, Fancy
Speaker 1: Friends podcast. Sick of all those Frugal Friends advice to
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Speaker 1: in on opulence, then our new show Fancy Friends is
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Speaker 1: and it's after show Whiskey Women and four years of
Speaker 1: hosting Frugal Friends, but like mostly the other stuff, we
Speaker 1: are hosting Eleanor and Penelope. That is, we are hosting
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Speaker 1: if you're listening to this in if you're Fancy Friends
Speaker 1: on April one. Especially oh, on that April Fool's Day
Speaker 1: when Jen and Jill get replaced by Eleanor and Penelope,
Speaker 1: we thought of those names on the fly were really good. Yeah,
Speaker 1: not to dig at anybody, actually Penelope, but they do
Speaker 1: sound a lot more high end than Jen and Jill.
Speaker 1: Am not gonna do. We were actually gonna if we
Speaker 1: had a daughter, we were going to name her Eleanor.
Speaker 1: My my very good friend's daughter's name is Eleanor and
Speaker 1: she is a gem and she has fancier than me.
Speaker 1: She's one fancier than me for sure. Yeah, I I
Speaker 1: have expected with a name like Eleanor. But in all seriousness,
Speaker 1: we are hosting a party in St. Petersburg on ap
Speaker 1: Please if you were in the area, we'd love to
Speaker 1: see you. Frugal Friends podcast dot com slash party and
Speaker 1: this is from Actually Gen. This is and actually Jill.
Speaker 1: We'd love to see you celebrate with you so much
Speaker 1: to celebrate. Yes, we have so so much to celebrate.
Speaker 1: We have over two hundred episodes. It's our four year anniversary,
Speaker 1: so please come out and celebrate with us in the
Speaker 1: only way fancy friends would. Yes, all of the fancy
Speaker 1: frugal things. Absolutely. Let's get into holistic wealth because we
Speaker 1: are actually talking about that with Keisha Blair today, but
Speaker 1: not in the ways that Eleanor and Penelope might lead
Speaker 1: you to believe. Holo stick wealth is. We're talking about
Speaker 1: it in not just terms of money, but like the
Speaker 1: wealth you keep in your life. And Keisha Blair is
Speaker 1: an economist, she's the best selling author of the book
Speaker 1: Holistic Wealth, and she just offered so many ideas that
Speaker 1: really echo and build upon what we have been talking
Speaker 1: about for two hundred plus episodes, So if you want
Speaker 1: to queue up a few of those to listen to after,
Speaker 1: we think episode one paying off debt and your mental
Speaker 1: health with Melanie Locker that's a really good one, and
Speaker 1: also episode one, which is creating healthy financial boundaries with
Speaker 1: family and friends, that we think would also be a
Speaker 1: good one to queue up. It is a really beautiful
Speaker 1: conversation with Keisha. So thank you for bearing with us
Speaker 1: on our April fool's joke because we couldn't help ourselves.
Speaker 1: And we hope you're still here because Keisha brings so
Speaker 1: much great inde knowledge wisdom, so we're excited to get
Speaker 1: into it. Kishow, Welcome to the Frugal Friends podcast. We
Speaker 1: are so happy to have you here. I'm elated to
Speaker 1: be here. Thank you so much for having me. Jen
Speaker 1: and Jillian is great to be here. Oh, we're so thrilled.
Speaker 1: We had so many technical difficulties before we started, which
Speaker 1: says to me that this is going to be a
Speaker 1: fantastic episode. And I know our listeners always like hearing
Speaker 1: the holistic part of our personhood and how we are
Speaker 1: so much more than just the financial decisions that we
Speaker 1: make and all of us, ever, part of us goes
Speaker 1: into even those decisions. So excited for another perspective today.
Speaker 1: Thanks for coming on, absolutely, so let's dive in. Tell
Speaker 1: us Kisha a little bit about the viral article that
Speaker 1: inspired your book, Holistic Wealth. Absolutely so you know, as
Speaker 1: many readers will see once they start diving into the book,
Speaker 1: I went on a sabbatical after my husband died. So
Speaker 1: my husband died when I was thirty one, just eight
Speaker 1: weeks after I gave birth to my second child, and
Speaker 1: as you can imagine, it was sudden, it was tragic.
Speaker 1: It was a very rare disease that most doctors will
Speaker 1: never see in their lifetime, only in textbooks, so most
Speaker 1: doctors will never see a living case of this disease.
Speaker 1: It was so rare it took them one year to
Speaker 1: do the autopsy, to get the autopsy results, and they
Speaker 1: had to assemble an international team of pathologists and experts
Speaker 1: like this was like a medical mystery. So you can
Speaker 1: imagine dealing with that and then getting the results. I
Speaker 1: had to take a pause, and I had to take
Speaker 1: a break just to figure out how to move forward,
Speaker 1: how I wanted my life to look, and just to
Speaker 1: you know, process everything and just to take care of
Speaker 1: my needs and the needs of my two young sons
Speaker 1: that I had. And I when I came back, I
Speaker 1: you know, thought about all the lessons that I had
Speaker 1: learned from the experience and how I could distill that
Speaker 1: in an article for anyone and for everyone, even those
Speaker 1: who had not been through this type of experience. But
Speaker 1: we're looking for life lessons, and so I wrote that article. Honestly,
Speaker 1: I wrote that article so quickly. I wrote down those
Speaker 1: forty life lessons and a matter of about half an
Speaker 1: hour to fourteen minutes, and I published it on Thrive
Speaker 1: Global and I published it and left it, and I thought,
Speaker 1: you know what, it was the most vulnerable piece of
Speaker 1: writing I had ever done. I really bared my soul
Speaker 1: in that article. I really hoped no one would read it,
Speaker 1: and I was just scared. I was just like, I
Speaker 1: just hope nobody reads this because it's so vulnerable. And
Speaker 1: it happened that everyone read it, and that the you know,
Speaker 1: the editors at Medium emailed me the following day and said,
Speaker 1: this is our one one of our favorite pieces for
Speaker 1: the entire year. Can we do a voice over? So
Speaker 1: can we get like a voice artist, and I said,
Speaker 1: of course, and they you know, it just went wild.
Speaker 1: It you know, was picked up by several different outlets
Speaker 1: and just went viral, and over a hundred I think, yes,
Speaker 1: I saw there over a hundred, yes, yes, several like
Speaker 1: over a hundred either featured or linked to. It was
Speaker 1: actually a hundred and sixty. And it was just unbelievable,
Speaker 1: the outpouring, the response, and I genuinely did not expect
Speaker 1: to get that. I had family members from Florida call
Speaker 1: me and, you know, said it's on MSN, like, did
Speaker 1: you see it? And I'm in Canada's you know, I
Speaker 1: didn't see it. And they had to send us the
Speaker 1: link because the firewall was blocking it. But we had
Speaker 1: family members sending us links from all over and it
Speaker 1: was you know, if you've ever had a viral article,
Speaker 1: it's something you you never see coming, you never expected,
Speaker 1: but when it happens, it's unbelievable the response and and
Speaker 1: people started reaching out on Facebook and social media, other
Speaker 1: women and young women and you know, older women everyone
Speaker 1: and started saying how much this impacted their lives. And
Speaker 1: I showed it to an age and she said, you
Speaker 1: know what, this is the book you should write you
Speaker 1: should turn this into a book so that it's accessible
Speaker 1: for everyone, you know, expand on these lessons, and I
Speaker 1: did that, and my editor was the one who said,
Speaker 1: you know, I see holistic wealth in this article. This
Speaker 1: is what holistic wealth is. And at the time, I
Speaker 1: was just like, Wow, that that is just amazing. And
Speaker 1: that's how the name of the book came about. That's
Speaker 1: how the journey started from those life lessons because in
Speaker 1: those life lessons, those forty less since, there's lessons on
Speaker 1: money and managing your money and planning for financial longevity,
Speaker 1: and lessons on having a personal mission in life, lessons
Speaker 1: on you know, the important things like spending time with
Speaker 1: loved ones and all these things that you know, um,
Speaker 1: sometimes we forget, but through COVID nineteen, I think many
Speaker 1: of these things have been brought to the force as
Speaker 1: we think about our mental and or emotional health and
Speaker 1: and really living a life of meaning, you know, beyond
Speaker 1: our jobs and beyond or you know, our careers and
Speaker 1: our businesses. And that's what you know this book is about.
Speaker 1: And and that's how the journey started. Wow, Keisha, as
Speaker 1: you reflect back on that article going viral and even
Speaker 1: saying I actually didn't want anybody to read it, and
Speaker 1: then it went viral. What do you think it was
Speaker 1: about that particular article that really resonated with so many people. Yeah,
Speaker 1: so I think the title in and of itself, my
Speaker 1: husband died at age thirty four. Here are forty life
Speaker 1: lessons I learned from it. Like I know, the title
Speaker 1: was very compelling, and in the beginning in the intro
Speaker 1: of the article, I said, I walked into the hospital
Speaker 1: with my husband living and breathing, and walked out with
Speaker 1: my husband dead three hours later, and with a white
Speaker 1: plastic bag in my hands. And I'll never forget that line,
Speaker 1: because every time I think about it, I envisioned me
Speaker 1: walking out of that hospital with that white plastic bag
Speaker 1: with his belongings, and the crooks of it. I think
Speaker 1: for many people was that this could happen to someone
Speaker 1: so young, so suddenly and so dramatically. Right, And then
Speaker 1: the money lessons were another thing. So I had many
Speaker 1: money bloggers featuring the article on their websites, like they
Speaker 1: featured it, and many of them, you know, ranked it
Speaker 1: as the top article for millennials for that entire year.
Speaker 1: So we went out. I went out with the article
Speaker 1: in December seen and in January was when you know,
Speaker 1: from December to January it started the momentum. And so
Speaker 1: it was this article that was being spread all over
Speaker 1: the internet at the beginning of the year when people
Speaker 1: are looking for this type of motivational type of information.
Speaker 1: And several, as I said, several finance websites, several money
Speaker 1: bloggers named it the best article of the year for millennials.
Speaker 1: And and I think that ship a nerve as well,
Speaker 1: especially for millennials, because in the article, of course I
Speaker 1: speak about debt right and not, you know, and how
Speaker 1: to manage that and why it's so crucial that we
Speaker 1: not get into a lot of debt, because like this
Speaker 1: can happen at any time, right at any age. And
Speaker 1: and I think that's what struck a chord. I think
Speaker 1: it was several different things in addition to the money
Speaker 1: lessons that were shared that really struck a chord with people,
Speaker 1: and just the the kind of depth and breadth of
Speaker 1: the article and the subjects covered and the raw emotion
Speaker 1: in it because you could feel it coming through and
Speaker 1: I wrote it with you know, all those feelings and everything,
Speaker 1: and and yeah, it was just one of those things
Speaker 1: that really touched on nerve at that point. I think
Speaker 1: I can feel the feeling when it, like when I
Speaker 1: read the article I because some of the forty are
Speaker 1: are very like long and then some of tho is
Speaker 1: just like one sentence. It's like this is And when
Speaker 1: you're like writing with feeling, it comes out different than
Speaker 1: writing like with an outline or something. And so like,
Speaker 1: I just appreciate so much seeing that difference, like as
Speaker 1: as a writer, and and it does come like you
Speaker 1: say different things when you're writing through feeling, and it
Speaker 1: is really raw and like inspired. This whole like holistic
Speaker 1: wealth movement that you are pushing forward, which is essentially
Speaker 1: kind of the same stuff we're talking about in our
Speaker 1: membership in the in the course we have and trying
Speaker 1: to get people away from like climb the corporate ladder,
Speaker 1: make as much as you can, save as much as
Speaker 1: you can focus only on you know, investing and growing
Speaker 1: your net worth to like that's there has to be
Speaker 1: a balance. There has to be that, Keisha, it's so
Speaker 1: striking to me. I mean, of course we have questions
Speaker 1: about the specifics of your perspective, but I do want
Speaker 1: to acknowledge just to me, it's striking just the tragic
Speaker 1: loss that you walked through and how you chose to
Speaker 1: navigate that, and and the way that that's connecting with
Speaker 1: other people. But I also I'm not it's not skipping
Speaker 1: over me. The fact that this is a deeply vulnerable
Speaker 1: part of who you are and your experiences that so
Speaker 1: many people did connect if. How has that been for you?
Speaker 1: Just the fact that people are connecting to this one
Speaker 1: of the worst I would imagine things that have happened
Speaker 1: in your life when you didn't want them to read it,
Speaker 1: and here they are reading it and connecting to it.
Speaker 1: How has that been for you in this process? Yeah?
Speaker 1: I know, it's been amazing actually because throughout the whole process.
Speaker 1: You know, even after publishing that viral article, I didn't
Speaker 1: expect that type of outpouring, Like I knew how vulnerable,
Speaker 1: I knew how tragic the situation was in terms of um,
Speaker 1: you know, just the suddenness and and the circumstances UH
Speaker 1: surrounding it, which was just unbelievable that you know, it's
Speaker 1: basically a medical mystery and so rare. But when people
Speaker 1: started reaching out, I knew that this was needed by
Speaker 1: so many, especially women, and so many of them that
Speaker 1: were reaching out had just gone through either similar situations
Speaker 1: or or just another type of life altering setback, and
Speaker 1: it just really helped me to realize how much this
Speaker 1: is needed. And this was pre COVID, right, so you
Speaker 1: can imagine now. But that's what drove me to really
Speaker 1: work on capturing all of this in a book and
Speaker 1: in a message that would help people. And I didn't
Speaker 1: want the message to be just grief and pain and tragedy.
Speaker 1: I really honestly didn't want to be known as like
Speaker 1: the grief lady or the woman who went through this
Speaker 1: whose husband died. So even though I wrote that viral
Speaker 1: article and that was the title, I really want to
Speaker 1: be you know, I want this message to be one
Speaker 1: of hope for people. And that's why I love Holistic
Speaker 1: Wealth so much, because it's not just one of grief
Speaker 1: and pain. It's one of hope, and it's one of yes,
Speaker 1: you can live a holistically wealthy lifestyle even after a
Speaker 1: life altering setback. So I love the fact that so
Speaker 1: many people reached out because I knew there were so
Speaker 1: many others out there that we're going through this like
Speaker 1: I was, and that I could use my story and
Speaker 1: my skills and experience, not only as a writer, but
Speaker 1: as a trained economist to actually help women. And it's
Speaker 1: unbelievable when I think about my journey that it so
Speaker 1: happened that I was a trained economist, that this happened
Speaker 1: to that it so happened that I had the type
Speaker 1: of training and skills that I had built up, and
Speaker 1: it just so happened that I was one of those
Speaker 1: women who was always on top of my finances and
Speaker 1: always pushed to invest and to invest young, like I
Speaker 1: started investing at twenty one, And so I felt like
Speaker 1: I could use this to actually help other women, you know,
Speaker 1: realize what they need to do and how they need
Speaker 1: to put things in place. And I kid you not,
Speaker 1: like I train my certified holistic wealth consultants now in
Speaker 1: terms of the story of self, and it's amazing how
Speaker 1: you know your unique skills and experiences and what you
Speaker 1: go through in life you can use to help others.
Speaker 1: So when they started reaching out, it became clear to
Speaker 1: me that this was honestly now my purpose. That's excellent,
Speaker 1: And so let's talk about that. What are the four
Speaker 1: parts of holistic wealth that you highlight that are so important? Absolutely?
Speaker 1: Uh so In the book, I define holistic wealth as
Speaker 1: financial independence coupled with financial savvy and having different parts
Speaker 1: like your emotional health, your mental health, and even your
Speaker 1: spiritual health as pillars off holistic wealth. And combined with
Speaker 1: that too, are you know your relationships that helped end
Speaker 1: rich you and having a life purpose. And in the book,
Speaker 1: I say all of this combines to give you the
Speaker 1: tools that you need to basically overcome any life altering setback.
Speaker 1: So this is not just, you know, a nice to have.
Speaker 1: This is critical in an age of disruption, and this
Speaker 1: is the toolbox that we need to be able to
Speaker 1: master the art of recovery from disruption. So you know
Speaker 1: how you mentioned earlier that yes, in the finance world
Speaker 1: we talk about our net worth a lot, and it's
Speaker 1: all about tracking your networth, tracking your net worth, And yes,
Speaker 1: it frustrates me a bit to see it too in
Speaker 1: the finance world, and um, probably more than you know.
Speaker 1: But and that's why I think that the whole concept
Speaker 1: of coolistic wealth is so important, because, yes, you know,
Speaker 1: having your finances in place is a great thing, it's
Speaker 1: an amazing thing. But I realized when a tragedy hits
Speaker 1: and you don't have the other killer is in place.
Speaker 1: It's hard to recover, it's hard to get over that.
Speaker 1: I mean, money is one aspect of it that enables you,
Speaker 1: of course to live and to eat, and have a
Speaker 1: roof over your head, and have savings and not be
Speaker 1: bogged down in debt, which all helps, and it's unbelievable.
Speaker 1: But what really got me through it was building my
Speaker 1: resilience was these other pillars that are needed to overcome
Speaker 1: that type of tragedy and to even overcome or even
Speaker 1: to kind of live in this disruptive world that we're
Speaker 1: living in right now, and we're seeing it with the
Speaker 1: great resignation wave to where you know, so many women
Speaker 1: have left the workforce, so many people have left the
Speaker 1: workforce as they're looking for more meaning in life. And
Speaker 1: it's not just about climbing the corporate ladder anymore. And
Speaker 1: people are realizing right that that's not necessarily the best
Speaker 1: path forward. And all of that is also encapsulated in
Speaker 1: the book and in what I talk about the message
Speaker 1: in the Holistic Wealth right because I realized I was
Speaker 1: on a corporate track. I was in the executive track
Speaker 1: when my husband died and I had to give it up.
Speaker 1: Like I literally had to walk away, just like how
Speaker 1: women have had to walk away through COVID nineteen from
Speaker 1: that corporate life. I had to do that. And it
Speaker 1: wasn't because of just like just thinking well, yeah, you know,
Speaker 1: I'll just do it. Was out of need. You know.
Speaker 1: At the time. I had two young kids, as I said,
Speaker 1: and it just wasn't working. I needed to find that balance.
Speaker 1: And that's what everybody is looking for now and every
Speaker 1: you know, that's the kind of focus, and that's the
Speaker 1: essence in the book, you know, and and with the message,
Speaker 1: and and I think that's what so many people are
Speaker 1: seeking right now. We're seeking just a life where it's
Speaker 1: not just all about climbing the corporate ladder, building up
Speaker 1: this um, tracking this network, which is also important, but
Speaker 1: not just about that, but about how we can really
Speaker 1: build our lives in an authentic way, you know, to
Speaker 1: do the things that are important to us. It's really
Speaker 1: resonating with me this concept of like having a we
Speaker 1: talk about having an emergency fund, and it's hitting me,
Speaker 1: this holistic emergency fund, not that we want to constantly
Speaker 1: be waiting for the shoe to drop. Although we are
Speaker 1: living in a time. I love how you're describing that
Speaker 1: that this disruptive world, disruptive culture, but recognizing it is
Speaker 1: going to happen. Why we have an emergency fund because
Speaker 1: we know emergencies, crises are going to happen. And it's
Speaker 1: not just about how much money do you have in
Speaker 1: the reservoir, but how connected are you with other individuals,
Speaker 1: What life giving opportunities do you have that aren't dependent
Speaker 1: on having a set amount of wealth. How is your
Speaker 1: spiritual life, how is your emotional, emotional and mental health.
Speaker 1: Of course we're not going to be hitting the brass
Speaker 1: ring every single time and all of those categories, but
Speaker 1: what an awesome concept to get on board with and
Speaker 1: to align ourselves with, not just the emergency fund, but
Speaker 1: the emergency reservoir of holistic health. It's it's really resonating
Speaker 1: with my Kisha. I appreciate what you've said there. I
Speaker 1: love that. I love that it is a wealth, that
Speaker 1: it's not self centered. I feel so much of the
Speaker 1: content we see is self centered wealth, like how much
Speaker 1: I can earn, how much I can save, how much
Speaker 1: wealth I can build. But this is a life centered wealth,
Speaker 1: so it is not just those things, but it it
Speaker 1: doesn't isolate them but it includes them with like it's
Speaker 1: like an intentional life purpose, So like what can I
Speaker 1: be doing that's greater than me? And like even physical
Speaker 1: like you even include like physical wealth and like being
Speaker 1: a good steward of good will and stuff. So it's
Speaker 1: like a it's people, it's environment, it's life centered wealth,
Speaker 1: and that is what's going to make us like truly happy.
Speaker 1: Like we are not designed to just be like isolated
Speaker 1: individuals with fat bank accounts. We are created to be
Speaker 1: like people in community. And this holistic wealth really does
Speaker 1: like bring that to life absolutely, And that's exactly it, Jen,
Speaker 1: And that's what helps you to recover from disruption too,
Speaker 1: is knowing that you are contributing to the greater good
Speaker 1: to humanity. And our purpose is always and I said
Speaker 1: this on another podcast recently, our purpose is never actually justice,
Speaker 1: be at this or a particular net worth or figure
Speaker 1: or yeah, when we get to a million dollars, we
Speaker 1: would have achieved a purpose in life. That's not exactly
Speaker 1: how it works. So our purpose is to drive humanity
Speaker 1: forward in whatever way that we can use our unique
Speaker 1: skills and experiences to do so. Yes, if you hit
Speaker 1: that you know figure and you can use it to
Speaker 1: then drive humanity for and then that's great, but it's
Speaker 1: I just never ever look at tying my identity just
Speaker 1: a particular net worth or a particular job title or
Speaker 1: a particular uh company or um. It's it's just greater
Speaker 1: than that because I think in doing that, and I
Speaker 1: talk about money blocks in the book too, and that's
Speaker 1: that's a criticulal money block actually when you tie yourself
Speaker 1: worth to your net worth, and it's something that I
Speaker 1: honestly don't want us as woman to get to bog
Speaker 1: down in because it can be a recipe for failure,
Speaker 1: for disaster if you never meet it, right, if if
Speaker 1: it never happens. And does that mean now that you're
Speaker 1: a failure? Does that mean that you haven't done what
Speaker 1: you're apposed to do? No? So I love those points
Speaker 1: that you've brought forward because like Deep in the Weeds
Speaker 1: and the book that's that those are some of the
Speaker 1: things that I want, you know, women to as a
Speaker 1: trained economist and and and someone who has written federal budgets,
Speaker 1: someone who has you know, like I've been there, done that.
Speaker 1: Like it's it's when once you hit this very hard
Speaker 1: period in life where you have to really look at
Speaker 1: recovering from some form of disruption. Those things are not
Speaker 1: necessarily the things that are going to get you through it,
Speaker 1: you know, in its entirety mm hmm. Absolutely. So for
Speaker 1: any of our listeners experiencing or who may experience intense grief,
Speaker 1: I know you don't want to be like the grief person,
Speaker 1: but I just feel like you're too valuable to have
Speaker 1: here and us like not dive into this because like
Speaker 1: I know, for me personally, my mom, well I lost
Speaker 1: my dad when I was sixteen, So my mom was
Speaker 1: with like without at when I was sixteen, and so
Speaker 1: she the grief was really intense and she made a
Speaker 1: lot of poor financial decisions while in grief. And I
Speaker 1: don't want that for anybody else. And so as someone
Speaker 1: who's trained in this and has experienced this, like, how
Speaker 1: can somebody who's experiencing intense grief like be pursuing holistic wealth?
Speaker 1: What should they pick up which they lay down? Like,
Speaker 1: what would your advice be for them? Yeah? No, absolutely,
Speaker 1: And thank you for bringing that forward, gen, Because I
Speaker 1: at the Institute on Holistic Wealth, we're actually releasing our
Speaker 1: Trauma of Money course today and it's a certification called
Speaker 1: the certified Trauma of Money consultant. And you know how
Speaker 1: you mentioned your mom being widowed, you know, when you
Speaker 1: were younger and making bad financial decisions. Well, that's one
Speaker 1: of the effects of trauma. And it's unbelievable what can
Speaker 1: happen to the brain during trauma that allows us to
Speaker 1: meet these decisions. I mean, there's cognitive bias, there's cognitive overload.
Speaker 1: The risk taking can go either way. It can swing
Speaker 1: to being extreme, or it can cause paralysis. With money,
Speaker 1: I've heard widows talk about money as as blood, money
Speaker 1: as something that is just horrible and something that they
Speaker 1: can't even begin to wrap their minds around. So that's
Speaker 1: a very important point and something that is so important
Speaker 1: for people to realize. And so in terms of, you know,
Speaker 1: being in this intense period of grief and looking to
Speaker 1: craft a life of holistic wealth. You know, there's so
Speaker 1: many lessons laid out in the book, but I would
Speaker 1: you know, speak about one or two that are very
Speaker 1: important in the In the in the weeks and months
Speaker 1: after you suffer a loss, when you feel so overloaded, right,
Speaker 1: and you feel overwhelmed, and and you're not sure what
Speaker 1: to do, and I know in the moments after. For me,
Speaker 1: I had to take a step back. I had to
Speaker 1: take a step back to exercise self care and to
Speaker 1: take care of my mental health. And in doing that,
Speaker 1: I had to establish boundaries. And you know, I talked
Speaker 1: about saying no in the book, and there's an entire
Speaker 1: chapter on that. Well, that is actually one of the
Speaker 1: ways that we can fill our holistic wealth bank accounts
Speaker 1: with saying no. And the word no is used in
Speaker 1: this sense to fill your stores of energy. Saying no
Speaker 1: in this sense is used to fill your stores, show
Speaker 1: up your emotional well health, show shore up your you know,
Speaker 1: your mental health, and to show up that spiritual day
Speaker 1: to day practice that you need to get over it
Speaker 1: in the first couple of weeks and months when you
Speaker 1: need that time to meditate and to think about how
Speaker 1: we're going to craft a life for it. And you know,
Speaker 1: genuine mentioned the case of your mom, and I know
Speaker 1: that's the case of a lot of widows where you know,
Speaker 1: you don't take that time to think about these things.
Speaker 1: You keep going, going, going, going, trying to kind of
Speaker 1: you know, set it to the back of your mind,
Speaker 1: and then sometimes you can make the wrong decisions. And
Speaker 1: so in saying no, in establishing boundaries. That's one of
Speaker 1: the ways that we can you know, craft that time
Speaker 1: to kind of just think about and to get over
Speaker 1: and to heal and to think about what we want
Speaker 1: going forward. The other thing is is is outlining. And
Speaker 1: this isn't something to do in the first week or
Speaker 1: month after, but at some point, you know, I know
Speaker 1: many people going through a loss think about, Wow, how
Speaker 1: do I honor my loved one's legacy? And that's something
Speaker 1: that comes about pretty quickly when you go through something
Speaker 1: like this, and so I you I always tell my
Speaker 1: consultants start writing down or women I co start writing
Speaker 1: down a mission for yourself, start writing down your personal mission,
Speaker 1: what you wanted to look like. And then within that mission,
Speaker 1: of course, part of that is a legacy and your
Speaker 1: legacy and combined with the legacy of your loved one,
Speaker 1: So that also helps to kind of put things in
Speaker 1: perspective to kind of give you that personal GPS going
Speaker 1: forward the direction of your life. You know, we talked
Speaker 1: about intentional life design, and I always say holistic wealth
Speaker 1: is intentional by design. It's unbelievable the intentional steps that
Speaker 1: I had to take, Like everything had to be intentional
Speaker 1: and methodical which phone calls to take in the first week,
Speaker 1: you know, someone had to be screening my phone calls.
Speaker 1: I mean, it's that it's that you know involved, right,
Speaker 1: And so you know, when I talk about the holistic
Speaker 1: wealth method, where you think of things that are additions
Speaker 1: and depletions to your holistic wealth bank account, we're talking
Speaker 1: about things like this where it's time and boundaries and
Speaker 1: relationships around you that enrich you and things like that.
Speaker 1: Of course, in the first few months of grief, those
Speaker 1: relationships are key. Those loved ones around you who support
Speaker 1: you and in ways that you can't even imagine, you know,
Speaker 1: and and really lift you up. So that's a critical
Speaker 1: part of it in terms of first steps and trying
Speaker 1: to think through especially when you're in a you know,
Speaker 1: a position of deep grief or you're in in in
Speaker 1: that mode and moment where it's so overwhelming. I appreciate
Speaker 1: the kind approach that you're advocating for and how much
Speaker 1: of this speaks to you having walked through it and
Speaker 1: now being able to walk others through navigating financial decisions
Speaker 1: and holistic wealth, whether going through grief or not. But
Speaker 1: I think any time there's an acute transition, tragic loss,
Speaker 1: grief of any sort, there can a lot of times
Speaker 1: be guilt and shame attached to that. It's almost like,
Speaker 1: you know, I counsel a lot of people going through
Speaker 1: grief and transition, and there's always some component of feeling
Speaker 1: as though I'm not doing this right. And I know
Speaker 1: I'm not doing this right, but I don't totally know
Speaker 1: how to make all of these massive decisions. And and
Speaker 1: like you said, I can highlight it's that reservoir of
Speaker 1: the holistic that hopefully is present, and if not, that's
Speaker 1: what we can be aiming for. Of who do I
Speaker 1: have around me, who's trustworthy, who's in my court that
Speaker 1: I can be leaning on and receiving from, and how
Speaker 1: can I be kind to myself in the midst of that.
Speaker 1: I think it's okay to say I made some really
Speaker 1: awful decisions in like the week month following this tragedy,
Speaker 1: but not staying there, and how can I move towards
Speaker 1: the things that are going to be life giving, beneficial
Speaker 1: for me for my family. But I can just affirm
Speaker 1: with what you've said, Keisha, that those first couple of
Speaker 1: weeks following a tragic grief and loss, I don't think
Speaker 1: we can expect too much from ourselves. We don't exactly
Speaker 1: know how it's going to hit us or how we're
Speaker 1: going to navigate it. But my goodness, where there's community,
Speaker 1: that's the reservoir. I think we can tap into overall
Speaker 1: kindness absolutely, Jillian, and just to pick up on their
Speaker 1: really quickly. And this is something that I also, you know,
Speaker 1: tell women. The other thing is you don't know how
Speaker 1: it's going to hit you too, and how it's going
Speaker 1: to change your relationship with money, because then it gets complicated.
Speaker 1: It gets complicated, especially if you're in receipt of a
Speaker 1: pot of funds tied to that loss. Then we're talking
Speaker 1: about a whole new different ball game of survivor as
Speaker 1: guilt and financial guilt and a whole new slew of
Speaker 1: issues start to arise. So absolutely, it's it's great. You know,
Speaker 1: when you're in a state of happiness and your your
Speaker 1: and everything is going well for you in life, and
Speaker 1: and you know you're loving everything about your money and
Speaker 1: your funds, and then everything falls out and even though
Speaker 1: you might have those funds available, it's it's not happy.
Speaker 1: It's not tied to happiness. Now it becomes tied to
Speaker 1: utter grief and sadness, and that's why this holistic wealth
Speaker 1: perspective is even more important. That's why I'm trying to
Speaker 1: drive it home to people, because you have no idea
Speaker 1: how you're going to see the money. We know of
Speaker 1: millionaires every day who are committing suicide. They're not necessarily
Speaker 1: happy or holistically wealthy, but they're taking their lives. So
Speaker 1: this is something that I just want, you know, people
Speaker 1: to be just aware of and and the points that
Speaker 1: you raise are are very important. I think this holistic wealth,
Speaker 1: whether going through grief or not, because you're describing both
Speaker 1: and of recognizing when you're going through grief how connected
Speaker 1: those finances are with mental and emotional and relational and
Speaker 1: spiritual health. And when we're not going through great loss
Speaker 1: at at any given point, it's still connected. No matter
Speaker 1: what season of life we're in. This matters to be
Speaker 1: considering our whole personhood. But that being said, so to
Speaker 1: move a little bit out of the grief and loss
Speaker 1: component for those at really any stage of life wanting
Speaker 1: to recognize this that okay, not anything has promised to
Speaker 1: us or to our loved ones or those around us.
Speaker 1: Not each day is a gift, and yet we hope
Speaker 1: to live long lives and plan responsibly and intentionally for that.
Speaker 1: What what advice would you give for finding kind of
Speaker 1: the tension of holding both recognizing crisis, emergency, tragedy can happen,
Speaker 1: but we also want to plan for a life fully
Speaker 1: lived for a long time. How do you recommend holding
Speaker 1: that tension? And that's a great question, especially with everything
Speaker 1: that we've discussed so far, right, And so that's kind
Speaker 1: of the center and the focus of the work we
Speaker 1: do at the Institute on Holistic Wealth because when I
Speaker 1: train certified holistic wealth consultants and training them to develop
Speaker 1: or to help clients build a holistic wealth portfolio. And
Speaker 1: this holistic wealth portfolio is you know, comprises the pillars
Speaker 1: that we talked about and really resolves that tension that
Speaker 1: you mentioned about balancing the finances with the other pillars
Speaker 1: in our lives, because you know, when you know when
Speaker 1: you have a financial advisor. And I trained financial advisors
Speaker 1: with NBAS with their own firms, and they said they
Speaker 1: came forward to me and they were like, there are
Speaker 1: too many gaps in the market where yes, we're giving
Speaker 1: women financial advice, but we're not tapping into the holistic
Speaker 1: perspective that you outline in your book, and so that's
Speaker 1: what we're doing. One part of the portfolio is a
Speaker 1: financial independence portfolio, right and within that, you're planning on
Speaker 1: taking the breaks you want to take, You're planning on
Speaker 1: retiring at the date you want to retire, and you're
Speaker 1: planning on all the bits of your financial goals within there.
Speaker 1: And then we have the rest of the portfolio that
Speaker 1: balances out all of the other, um, you know, money
Speaker 1: focused goals. And of course, as I said, like women
Speaker 1: are looking for um a life of freedom over their time,
Speaker 1: freedom over their money, so they're looking at crafting a
Speaker 1: holistic wealth portfolio that looks completely different from one or
Speaker 1: or portfolio is that we're used to sing. So I
Speaker 1: just wanted to make it clear as if you you know,
Speaker 1: if you look if you google holistic wealth, you'll see
Speaker 1: a lot of financial institutions talking about holistic wealth. And
Speaker 1: what they're talking about is something completely different. They're talking
Speaker 1: about within the suite of instruments that we have available
Speaker 1: at this bank here is holistic wealth. Now I'm speaking
Speaker 1: beyond those things. So absolutely you need to have an
Speaker 1: emergency fund and it needs to be I'm recommending nine
Speaker 1: to twelve months. And absolutely you need to have your
Speaker 1: insurance policies in place, and absolutely you need to have
Speaker 1: some investments and all of that. Right, you need to
Speaker 1: be investing. But beyond that, we have some other life goals,
Speaker 1: right like I might want to retire in the next
Speaker 1: three years, I might want to retire in ten years.
Speaker 1: How am I planning for that? And how am I
Speaker 1: planning for the life that I want to live in retirement.
Speaker 1: And let's say I'm financially independent now, but I don't
Speaker 1: want to retire yet. I want to keep working or
Speaker 1: I want to build my business. How do I plan
Speaker 1: for that? And how why balance that with all the
Speaker 1: goals that I have? And so that holistic wealth portfolio
Speaker 1: is unique to your goals, It's unique to what you
Speaker 1: want to accomplish in life, and it has everything in there.
Speaker 1: You know, we talked about the trauma of money. We
Speaker 1: talked about the fact that you might have gone through
Speaker 1: a setback. How can we build a holistic world portfolio
Speaker 1: that is resilient for you, that helps you to bounce
Speaker 1: back even better than before. Because when my husband died,
Speaker 1: that was one of my main pet peeves it was like,
Speaker 1: oh my gosh, am I going to be set back
Speaker 1: permanently in life? Now? Luckily I had started investing at
Speaker 1: twenty one and was financially independent by thirty one, so
Speaker 1: when he died, I already had a multimillion daughter portfolio
Speaker 1: of investments. Right, But I was still thinking about, Okay,
Speaker 1: we're now it's you know, one person, and I'm just
Speaker 1: thirty one. Now what about when I reached fifty or sixty?
Speaker 1: What is my port folio going to look like? And
Speaker 1: I was concerned about that still. So I still kept investing,
Speaker 1: and I still kept doing things. But honestly, if I
Speaker 1: had had this holistic wealth portfolio before my husband died,
Speaker 1: some of the things that I would have done I
Speaker 1: would have done differently. And the sabbatical I went on
Speaker 1: would have been planned for. Every step that I would
Speaker 1: have been planned for. And that's what we help women do.
Speaker 1: So that's how we kind of get over that tension
Speaker 1: between um, you know that finances and living a life
Speaker 1: of joy and aligning and and what about the other pillars?
Speaker 1: And then you can see where you're weak, right, you
Speaker 1: can see where in the portfolio where you're lacking, where
Speaker 1: the gaps are how resilient your portfolio is. If we
Speaker 1: plan for two life altering setbacks per decade, can you
Speaker 1: overcome be setbacks? And are we planning for that properly
Speaker 1: within your portfolio, because if not, there's a problem. And
Speaker 1: these are things that are happening at the bank or
Speaker 1: you know. Like, so this is something that a solution
Speaker 1: developed from my perspective based on you know, what I
Speaker 1: know was needed in the industry. And I'm coming at
Speaker 1: it as a female economist, as someone who knows, you know,
Speaker 1: in terms of budgeting and being don't dead and all
Speaker 1: this type of thing. Um, you know what it is
Speaker 1: that I think women needed. M You love that you
Speaker 1: refer to it, yeah, as a portfolio, and I think
Speaker 1: other nerds will like resonate with that. Not non nerds
Speaker 1: may be uncomfortable by it, but like, it's a portfolio
Speaker 1: that has all the things in it. It's not like
Speaker 1: a spectrum where you can choose you're like money or
Speaker 1: living your life. It's not a spectrum. It's a portfolio
Speaker 1: and we put all of them in there, and we
Speaker 1: can change it should be diversified, but we can change
Speaker 1: the ratios at any time we need or like and
Speaker 1: I love kind of shift in mindset on you don't
Speaker 1: have to balance. It's not a seesaw, it's a portfolio
Speaker 1: that you that you create an adjust Absolutely speaking of
Speaker 1: diversification and shifting in this podcast, that's how we diversify
Speaker 1: this podcast with the Bill of the week. That's right,
Speaker 1: it's time for the best minute of your entire week.
Speaker 1: Maybe a baby was born and his name is William.
Speaker 1: Maybe you've paid off your mortgage, maybe your car died
Speaker 1: and you're happy to not have to pay that bill anymore.
Speaker 1: Duck bills, Buffalo bills, Bill Clinton. This is the bill
Speaker 1: of the week, Kisha. Every week we invite one of
Speaker 1: our listeners, are our guest, to share with us their
Speaker 1: bill of the week. And you have thought about it.
Speaker 1: I know you've thought about it hard, and you've got
Speaker 1: one for us. Yeah, So I honestly, I think it's
Speaker 1: interesting the bill of the week concept. And you know that. I,
Speaker 1: for instance, I'm the host of the Holistic World podcast
Speaker 1: as well, and that was launched over a year during COVID,
Speaker 1: and of course, like that podcast has brought so much
Speaker 1: inspiration and joy into my own life. So I'm going
Speaker 1: to say that that bill that surrounds. My podcast is
Speaker 1: my bill of week because it I think about it,
Speaker 1: and it's not much. Honestly, it's not a big bill,
Speaker 1: but I I'm happy paying it because of how it
Speaker 1: fills my holistic wealth bank account. Having this podcast us
Speaker 1: where I've interviewed so many amazing women and men and
Speaker 1: it's brought such joy. So I'm happy peeing that. So
Speaker 1: that's one bill that I'd say actually feels my holistic
Speaker 1: walk bank account. Oh, it's so beautiful, Keysha. We know
Speaker 1: that bill, and we also love that bill. Oh and
Speaker 1: I love how you've positioned this and the perspective of
Speaker 1: this podcast brings life to you and to others. And
Speaker 1: how that is a reason that you don't mind paying
Speaker 1: in how how lovely? Well, if you all who are
Speaker 1: listening have a bill that you want to submit, whether
Speaker 1: it has to do with a bill, you don't mind
Speaker 1: paying a bill that's life giving a bill that is
Speaker 1: paid off, you don't have to pay anymore, you know
Speaker 1: the drill. Visit Frugal Friends podcast dot com, slash bill,
Speaker 1: leave us your bill, and now it's time for the
Speaker 1: lightning round. So today in our vulnerable section of the podcast,
Speaker 1: we are all going to share how we are currently
Speaker 1: choosing the holistic wealth lifestyle right now, because it's not
Speaker 1: something you like reach and then you're just like perfect
Speaker 1: at you continually have to overcome some of the things
Speaker 1: that society tells you should want, that your family and
Speaker 1: friends tell you should want, and you have to consistently
Speaker 1: choose to pursue holistic wealth. So we're all going to
Speaker 1: share how we're doing that currently. So Keisha, as our
Speaker 1: guest and expert, we would love for you to go first. Yeah. Absolutely,
Speaker 1: So I've chosen this past so many times, like in
Speaker 1: in big decisions and in small decisions every single day.
Speaker 1: And then this new and uh expanded version of Holistic
Speaker 1: Wealth that's coming out in March. You will see there
Speaker 1: that I suffered a back injury and that's an injury
Speaker 1: to my spine, and I've had to choose holistic wealth
Speaker 1: every single day as I think about my own personal
Speaker 1: health and how I deal with my every day given
Speaker 1: this new injury. And it's amazing. When I wrote the
Speaker 1: first book, right, I didn't have that injury. Um, it
Speaker 1: happened during COVID and I've had to make serious lifestyle
Speaker 1: decisions and lifestyle changes some of the things that I
Speaker 1: would do on a daily basis I can't do, and
Speaker 1: and some of the things that I would otherwise take up,
Speaker 1: like different projects in my life for you know, um,
Speaker 1: different things that people would expect me to do. And
Speaker 1: you mentioned the expectations of society and family and friends
Speaker 1: that I've chosen not to because of this. And so
Speaker 1: that holistic wealth perspective is also critical as well. And
Speaker 1: I mean it. It has to do with balancing priorities
Speaker 1: to right and balancing the way you live on a
Speaker 1: daily basis. So every single day I think about what
Speaker 1: activities and things represent a deposit or a withdrawal from
Speaker 1: my holistic wealth bank account because now I have this injury,
Speaker 1: especially to in light of that perspective, right, I think
Speaker 1: about what I eat and how how much I have
Speaker 1: to rest and and how much I can't overextend myself.
Speaker 1: So yeah, so that's my you know, answer to that question.
Speaker 1: And and it's amazing how as you said, Jen, it's
Speaker 1: not this point that you reach and you put it down.
Speaker 1: We're constantly going through disruption and we're constantly having to
Speaker 1: navigate changes in our life. That makes this framework and
Speaker 1: this this holistic wealth concept even more relevant, and it's
Speaker 1: a thing that we need to think about on our
Speaker 1: day to day. I love what you said. They're considering
Speaker 1: what represents a deposit or withdrawal from your holistic wealth
Speaker 1: bank account, something that we talk about in the mental
Speaker 1: health space, or at least within my role as a
Speaker 1: mental health practitioner. Right, I guess you'd say that is
Speaker 1: understanding emotional and relational and mental currency. Like sometimes it
Speaker 1: can help us to look at these aspects of our
Speaker 1: personhood in light of having it's not unlimited that it
Speaker 1: can be depleted or added to, and so you're just
Speaker 1: giving me more vernacular. Thank you so much. I love
Speaker 1: that deposit or a withdrawal and something that we can
Speaker 1: be at different stages of life even more aware of
Speaker 1: what is this doing. Is this depleting me or is
Speaker 1: this giving me life? In all aspects of of our personhood?
Speaker 1: And yeah, what that means when you're navigating a back injury,
Speaker 1: it's going to mean different things than when you're not
Speaker 1: physically injured. So amazing. Yeah, I love that too, because
Speaker 1: it's okay to make a withdraw as long as we're
Speaker 1: making more deposits than we are withdraws. With with anything.
Speaker 1: I think sometimes people can get caught up and be like,
Speaker 1: I can't live this lifestyle because it seems like self centered,
Speaker 1: which is the opposite. We think, oh, we should only
Speaker 1: be doing things that align with our values, but it
Speaker 1: is a given take. There are withdrawals and deposits, and
Speaker 1: I think that's all they. I also love how you
Speaker 1: use the word disruptions because I think people are used
Speaker 1: to using like the word challenge or setback or fail
Speaker 1: but life I mean, so I think we need to
Speaker 1: like get rid of those words from vocabulary because so
Speaker 1: often they're actually just disruptions from our life plan. They're
Speaker 1: just being They're just disruptions, and they're still that does
Speaker 1: and diminish how like the magnitude of whatever it is.
Speaker 1: But it can make you feel less like a failure
Speaker 1: to use a like a word like that than to
Speaker 1: use fail or setback or something that like puts you
Speaker 1: back again. Viewing it like a spectrum versus a portfolio
Speaker 1: where we're taking withdraws and making deposits. So I think
Speaker 1: it's I think we're making really cool, hopefully making really
Speaker 1: cool mindset shifts here for people. What about you, Jen,
Speaker 1: I am so we're kind of like still in this
Speaker 1: investing in real estate back and forth, and it's just
Speaker 1: a very very hard in the location that we're in,
Speaker 1: and we're very stubborn and we're only looking in this
Speaker 1: location and and that's us that's the path we are choosing,
Speaker 1: but it's still really difficult, and so we are having
Speaker 1: to make kind of like choices to kind of figure
Speaker 1: out if we are going to continue down this path
Speaker 1: or choose something else, because ultimately Travis wants to own
Speaker 1: his own business or be doing his own thing, and
Speaker 1: so that's kind of where we're at. That's why we're
Speaker 1: not maxing out for one case and stuff, because we're
Speaker 1: stalking money for either real estate or some kind of
Speaker 1: other venture. And so that's a choice that's not very
Speaker 1: popular when your personal finance expert, to not be like
Speaker 1: maxing out of four O one K. And then also
Speaker 1: some of the things we're doing real estate investors probably
Speaker 1: wouldn't do either. So we're just we're making choices that
Speaker 1: are right for our family and our families finances and
Speaker 1: future and like taking the wisdom of experts, but not
Speaker 1: following in their footsteps just because they were successful for
Speaker 1: those people. So that's kind of how we're That's the
Speaker 1: most current example I can give for choosing holistic well
Speaker 1: my chin for me, I think referencing back to COVID.
Speaker 1: I know you mentioned it a couple of times, Keisha,
Speaker 1: and probably similar to many people around the world, it
Speaker 1: really threw me for a loop in a lot of ways,
Speaker 1: and not just because there's medical concerns, but it hit
Speaker 1: every part of my personhood. It changed a lot. It
Speaker 1: was a disruption. It changed a lot of the way
Speaker 1: life looked for me emotionally, relationally, spiritually, mentally, and it
Speaker 1: really wiped out nearly every part. And so I think
Speaker 1: I'm slowly recognizing that each of these aspects are non negotiable.
Speaker 1: Where I kind of thought I'll just put my spiritual
Speaker 1: and relational health on the back burner for now, it
Speaker 1: was almost an epiphany recently of that's actually non negotiable.
Speaker 1: I need to be caring for myself in all of
Speaker 1: these areas, and not just me doing it all, but
Speaker 1: connecting with those that I feel are going to be
Speaker 1: helpful in that process, and not just receiving but giving
Speaker 1: in that too. So some examples of shifts that I
Speaker 1: made in the midst of that and I'm continuing to
Speaker 1: make I've not arrived by any means, but I'm seeing
Speaker 1: improvements and my whole personhood of making sure that I'm
Speaker 1: connecting with friends, even if it does have to mean
Speaker 1: zoom and I moved in the midst of the pandemic,
Speaker 1: so that didn't help much. But still staying connected with
Speaker 1: those people who are really meaningful and valuable to me.
Speaker 1: I have Also, Jen's probably so tired of hearing me
Speaker 1: talk about this. This is like the new and improved
Speaker 1: vitamins conversation. But I started a garden which is so
Speaker 1: incredibly life giving. I can't even put it into words,
Speaker 1: for I don't have the words to describe how unreasonably
Speaker 1: excited I am about this garden. She's a proud plant mom. Alright,
Speaker 1: my babies, uh for me? This podcast similar to what
Speaker 1: you're saying Keisha about the podcast. It's it's not a
Speaker 1: big bill and it's one aspect of who you are,
Speaker 1: but you're able to engage in these conversations like this
Speaker 1: podcast has and continues to be something separate from the
Speaker 1: work that I typically do, but another expression of my
Speaker 1: personhood that I think is necessary for me. So it's
Speaker 1: just I'm kind of like collecting, like I'm just collecting
Speaker 1: on these like little eggs in my basket that helped
Speaker 1: me to feel alive. That's that's the goal. I want
Speaker 1: to feel fully alive, whether I'm walking through really deep
Speaker 1: pain and trauma or really celebratory times in life, I
Speaker 1: want to engage in it fully alive. And I'm starting
Speaker 1: to feel that coming back as i Oh. I also
Speaker 1: started exercising, just YouTube exercises. Don't get it twisted. I'm
Speaker 1: not that strong, but it's helping. So I have I
Speaker 1: cannot say enough about our whole personhood and looking how
Speaker 1: can we make deposits in every single aspect because there
Speaker 1: is always going to be things taken and withdrawing out
Speaker 1: of it. Yep. So that's that, ye yeah, Kesha, thanks
Speaker 1: so much for coming on and allowing us to have
Speaker 1: this conversation. Where can people find more about you and
Speaker 1: Holistic Well, so, my personal website is Kesha bware dot
Speaker 1: com and uh, you can also check out the institute
Speaker 1: on Holistic World website too. That's ww dot Institute on
Speaker 1: Holistic World dot com. And I'm on social media. I'm
Speaker 1: at Keisha oh Blair on Instagram and on Twitter and
Speaker 1: Tashaware author on Facebook, and yeah, I love connecting with people,
Speaker 1: so you can connect with me through my website or
Speaker 1: on social media. And of course the book is available
Speaker 1: for pre order everywhere online right now, know so uh
Speaker 1: that's also right, So yeah, you can connect with me
Speaker 1: through different um different channels. Beautiful Keisha, thank you for
Speaker 1: the strength factors that you share, the real tangible, low
Speaker 1: hanging fruit that we can be anchoring ourselves in, and
Speaker 1: for motivating us with the resilience that you have intentionally built.
Speaker 1: I so appreciate your perspective and what you've shared today, absolutely,
Speaker 1: and thank you so much again for having me on
Speaker 1: the show. Oh Penelope, what did you think about that?
Speaker 1: Looking back on it? Eleanor It's beautiful. I think what
Speaker 1: we've talked about here with Keisha is for all people,
Speaker 1: whether you're frugal or your fancy. I think she brings
Speaker 1: so much sage, advice and perspective at we would all
Speaker 1: do really well to begin implementing on but not just
Speaker 1: for the purpose of a goal, but life long, similar
Speaker 1: to how frugality is a life long aim. I think
Speaker 1: what Kisha is describing here is that as well. So
Speaker 1: I am so thrilled to have had this conversation. I
Speaker 1: have so many of my own personal takeaways and we
Speaker 1: hope that you all listening do as well and feel
Speaker 1: free to share them with us in our community. Absolutely,
Speaker 1: it's finding that balance between or again, I don't love
Speaker 1: the word balance, but finding that spot where you are
Speaker 1: thinking about the future but also thinking about the present,
Speaker 1: and it's so easy to get caught ip in one
Speaker 1: or the other, and it is a lifelong journey of
Speaker 1: figuring out what it looks like for you to think
Speaker 1: about both because we're so wired and it it is
Speaker 1: better for us, like simplicity, goal simplicity, goal singularity is
Speaker 1: so much easier for our brain to focus on, and
Speaker 1: it's great. We definitely promote goal simplicity and goal singularity,
Speaker 1: but it's finding in while pursuing that singular goal, thinking
Speaker 1: about both the present and the future, because it's very
Speaker 1: easy two become a radical convert to either side, and
Speaker 1: that's not what we're about. And I just Keisha has
Speaker 1: such a profound story that's that illustrates why it is
Speaker 1: important to think about both. Yeah, thank you guys so
Speaker 1: much for listening. We hope you got as much as
Speaker 1: we did. Out of this interview, and if you did,
Speaker 1: we would love for you to leave us a review
Speaker 1: that helps people know what they can get out of
Speaker 1: listening to this show, kind of like this from Degon's
Speaker 1: eighty nine eighty nine Babies. Yes, I hope that means
Speaker 1: you're born in eighty nine, because we were and it
Speaker 1: happens to be. Five stars, says my Get Out of
Speaker 1: Debt support group. I started listening to Jen and Jill
Speaker 1: a few months ago and they instantly became part of
Speaker 1: my get Out of Debt support group. They are funny, practical,
Speaker 1: and motivating. I look forward to their episode each week.
Speaker 1: Can't wait to pay off some debt and submit my
Speaker 1: bill of the week. L O L L How I
Speaker 1: want to be described for the rest of my life.
Speaker 1: If the banner over me can be funny, practical, and motivating,
Speaker 1: I'm I'm set. Thanks to literally everything we're hoping for,
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Speaker 1: by Eric Syrian. Oh, eleanor what do you think that
Speaker 1: you will do this coming weekend? Openelope? Probably take a
Speaker 1: right on my yacht and we'll bring some cheese and
Speaker 1: fine wine. Um, yes, it will be it will be
Speaker 1: an okay time, it will be average. Certainly say yes,
Speaker 1: how about Penelope? Oh? Yes, Eleanor thank you for asking
Speaker 1: if you're returning the gift of a question. But I
Speaker 1: don't care. But I have a light. I appreciate your
Speaker 1: so s younger races, and I will probably take take
Speaker 1: the horses out of the stable for a little bit
Speaker 1: of a gaunt through the through the woods. But but
Speaker 1: it's manicured woods, don't wear there's no leaf to be
Speaker 1: seen on the ground. I love, I love. How how
Speaker 1: do I say it? Rustic or middle class? You are
Speaker 1: that you would take your own horses out? It is
Speaker 1: so sobering and grounding to me. To see you, and
Speaker 1: I just wanted to encourage you in that is is well.
Speaker 1: I like to say, you know, connected to the middle class.
Speaker 1: Is that how you say at mid middle middle class?
Speaker 1: I think you've got I can't really see it. My
Speaker 1: mouth does not make the throats. My throat keeps me. Sorry,
Speaker 1: it's difficult for me. Well, and then after that, I
Speaker 1: will soak in the hot tub. Oh how many people
Speaker 1: does your hold? Oh? Just one? It's just for me,
Speaker 1: very very fragile bones, fragile muscles from a life. So
Speaker 1: I was soak in the hot tub. Mine holds thirty seven.
Speaker 1: But it's not it's not important. How many more people
Speaker 1: might hat to uphold signors, that's not important, but it
Speaker 1: is is well. It is better to do to keep
Speaker 1: it to yourself, though I don't know. I do not
Speaker 1: like to bathe with others. Well, that's so common of you.
Speaker 1: I did not go to the school the same school
Speaker 1: you want to to be educated Illinois. I think I
Speaker 1: know a little bit more about hygiene, apparently than than
Speaker 1: you do. So well, it's fine. I paid seven times
Speaker 1: a day, so one bathe bathe with them. Well, there's
Speaker 1: not thirty seven people in my hot tub. But I
Speaker 1: don't want you to get the wrong idea of Penelope.
Speaker 1: I was so flustered. Now i'm going, I'm leaving. We're
Speaker 1: such good friends of the North. You and I were
Speaker 1: such good friends. I'll talk to you in six months
Speaker 1: when I recover. Okay, so long