Speaker 1: It's time for the ba qa A the ba qa
Speaker 1: what to say? The v a qa with Manday, the
Speaker 1: va qa and Tiffany A the ba qa A. Okay,
Speaker 1: I lie, Tiffany's not here, y'all, She's not here. She
Speaker 1: left me solo today, but not for long, because I
Speaker 1: am joined by our brilliant guest. If you haven't listened
Speaker 1: to her episode about her brand new book, Your Journey
Speaker 1: to Financial Freedom, why are you here? Going back to
Speaker 1: Wednesday's episode and check it out. Jamila sous frant is
Speaker 1: in the house. Hey Jamila, hey girl, Hey, long time
Speaker 1: nothing I know, right, so excited to have you on.
Speaker 1: So in the baqa. First, we got to start with
Speaker 1: our disclaimer, okay, Jamila, because we ain't trying to get
Speaker 1: you sued. You just got here. We are your financi
Speaker 1: You can call us your financial sisters, your financial besties.
Speaker 1: We are not your lawyer, not your financial advisor, not
Speaker 1: financial planner, not your investment advisor, not anyone that you
Speaker 1: would pay for advice. So take everything we say the
Speaker 1: grain of salt. Okay, we got brains, we got smarts
Speaker 1: and all of that juicy goodness. But no, please, you
Speaker 1: can just send those you know, send those send those
Speaker 1: legal fees somewhere else. Okay, we don't have time for that.
Speaker 1: Let's jump into some questions, because Jimmy, let your book
Speaker 1: is all about your journey to financial freedom and helping
Speaker 1: others feel what is possible for them if they take
Speaker 1: some steps in their lives today to get to their
Speaker 1: own version of financial freedom. So we picked out a
Speaker 1: couple of good questions from our BA fam that we're
Speaker 1: going to read today listen. As a reminder, y'all can
Speaker 1: submit your questions at Brand Ambition Podcast on ig slide
Speaker 1: into our DMS, or you can go to Brandnambisson podcast
Speaker 1: dot com and click ask us anything and submit your
Speaker 1: questions there. All right, Number one? You ready?
Speaker 2: Yeah, let's go.
Speaker 1: Little shoulder shimmy, little shoulder rub rub, I wish shoulder rub,
Speaker 1: little shoulder stretch. All right. The first question comes from
Speaker 1: IG from listen, Ana Anna says, hey, ladies, First, thank
Speaker 1: you so much for creating this space. Finance credit savings
Speaker 1: investing is so overwhelming to me that I just turn
Speaker 1: away from it. But I can't afford to do that
Speaker 1: any longer. I picked up Get Good with Money, Tiffany's book,
Speaker 1: and I'm ready to put in work. Yes, My question
Speaker 1: is should I invest in a four to oh one
Speaker 1: K or a wroth I? Ray, I have zero dollars
Speaker 1: in either of these right now. I'm an immigrant from
Speaker 1: Dr Hey Mandy High girl Ola, and no one in
Speaker 1: my family knows how to navigate American finances. I'm thirty
Speaker 1: one years old and I want to retire comfortably around
Speaker 1: fifty five years old ish. Any tips or reality checks
Speaker 1: are welcome. Okay, Anna, Anna in the house. Okay, So
Speaker 1: she's got this feeling that her family doesn't know how
Speaker 1: to navigate American finances. She's on her own, but she's
Speaker 1: ready to do something, all right. But the question itself
Speaker 1: is pretty simple. One K or wroth Ira, what do
Speaker 1: you say?
Speaker 2: Okay, so this is gonna be Yeah, it's gonna depend
Speaker 2: on a couple of things. So if you have access
Speaker 2: to a four to one K through your job, so one,
Speaker 2: you know, make check that out. Make sure that you
Speaker 2: do have access. Do they give you a company match,
Speaker 2: meaning if you put in a certain percentage or a
Speaker 2: certain amount, do they also match you up to a
Speaker 2: certain point? Because if you can, then you should be
Speaker 2: investing up until that point in which they can max
Speaker 2: or match you in your account. It's almost like free money.
Speaker 2: I do air quotes because technically it's not free, like
Speaker 2: it's part of your compensation package, so you should be
Speaker 2: using it, and you know start there. So, do you
Speaker 2: have a four to one K? Does it have a
Speaker 2: company match? If it does, you should invest up into
Speaker 2: that company match at the minimum. Also recognizing the difference
Speaker 2: between a four to one.
Speaker 1: K and a wroth IRA.
Speaker 2: So typically the four to one K will be through
Speaker 2: a company. It's a company sponsored pre tax retimement plan,
Speaker 2: meaning the amount you put in reduces your taxable income
Speaker 2: so you actually pay less in taxes or it makes
Speaker 2: your net income less. And then a wroth IRA is
Speaker 2: an after tax retirement vehicle that you can use and
Speaker 2: open up separately with a brokerage company outside of your job.
Speaker 2: And that's after tax money, meaning you pay taxes on
Speaker 2: that money already and you're now putting it into this
Speaker 2: roth iray to grow over time. So I always like
Speaker 2: to think about what is your income level, So people
Speaker 2: who are typically higher earners like to put money in
Speaker 2: their four one K and pre tax retirement accounts to
Speaker 2: reduce how much they need to pay in taxes. So
Speaker 2: it's a smart tax strategy and just it's helpful to
Speaker 2: put money away. Or if you're not earning a lot
Speaker 2: of money and there is a limited amount, if you
Speaker 2: do have that match, do up to the company match
Speaker 2: in your four to one K. But then you can
Speaker 2: also take and use your after tax dollars to invest
Speaker 2: in a roth ira if you're not earning a lot
Speaker 2: At the moment.
Speaker 1: I was just looking up the limits for four oh
Speaker 1: one K because I haven't had a traditional job in
Speaker 1: a few years, so I'm like, what is the limit now? God,
Speaker 1: I miss my four to one K. It's so easy, y'all.
Speaker 1: People make you know, business ownership looks so cute and sexy,
Speaker 1: but it's more complicated. Okay, I miss my cute little
Speaker 1: cozy four one K. I got my little auto payroll deposit.
Speaker 1: The limit right now is twenty two twenty two, five hundred,
Speaker 1: but in the new year, which is just around the corner,
Speaker 1: it's going to go up to twenty three thousand, So
Speaker 1: if you get that match. I mean, I always kind
Speaker 1: of went by the rule of max out the four
Speaker 1: to one K or try to because it's hard to
Speaker 1: get up to that, like save twenty two something k
Speaker 1: a year. That in and of itself is a huge,
Speaker 1: you know, a huge accomplishment. And then my financial planner
Speaker 1: was always like, you know, okay, once you get past that,
Speaker 1: then let's move on to the ROTH because you can
Speaker 1: save less in the ROTH. Ira there's and there's income limits,
Speaker 1: so there's it's a bit more like complicated. And when
Speaker 1: it comes to financial steps again, I'm not a financial planner.
Speaker 1: I'm always like, what's the easiest path to entry? And
Speaker 1: for so many of you listening, including you, anna go
Speaker 1: to your payroll department, your HR and be like, how
Speaker 1: do I enroll in the four one K? And make
Speaker 1: sure they tell you and they probably told you at orientation,
Speaker 1: make them tell you again. That's their job. Okay, Jamila.
Speaker 1: Now I'm curious because you're Jamaican and you were born
Speaker 1: in Jamaica and your mom brought you here? How did
Speaker 1: that work? But I want to know, because she obviously
Speaker 1: wasn't from here, how did she navigate her finances in America?
Speaker 2: Listen, my mom was a force because she came here
Speaker 2: at twenty years old, and yeah, she left me behind
Speaker 2: in Jamaica when she had me to establish herself a
Speaker 2: bit and then I came to join her just a
Speaker 2: few months later. But she did with no internet, no phone,
Speaker 2: so quickly you type up to find something. She yellow
Speaker 2: pages and showing up to places that said they would
Speaker 2: be open, you know, looking into resources and getting on
Speaker 2: government assistance in the beginning to help sustain herself. And
Speaker 2: so it did take a lot of curiosity and tenacity,
Speaker 2: and at such a young she was only twenty years old.
Speaker 2: Like again, I can't imagine doing it by herself, for right,
Speaker 2: and so in a country.
Speaker 1: She had to leave.
Speaker 2: Right that part, So you know how it is being
Speaker 2: a mom now, I mean, I get it. I talk
Speaker 2: about this in the book Your Journey to Financial Freedom,
Speaker 2: that you know, for her to forge a path like
Speaker 2: go to the country she's never been, to experience seasons
Speaker 2: she's never experienced for the first time with barely any
Speaker 2: money in her pocket, how bold she must have been
Speaker 2: to be able to do that. And so like the
Speaker 2: the call for us to try to attain financial independence
Speaker 2: is bold, right, Like Anna now is entering into this
Speaker 2: stage where she's like needing to make a big decision,
Speaker 2: and it is big for her, you know, and it
Speaker 2: can change the course of her life. But It's just like,
Speaker 2: think about what your parents or your your ancestors did
Speaker 2: to put like to get you here, and how probably
Speaker 2: you know it wasn't like their money that was at risk,
Speaker 2: it was their lives and livelihood. And that always gave
Speaker 2: me the courage. I'm like, you know what, I can
Speaker 2: call hr, I could do this. Yeah, I can ask
Speaker 2: this question and so use that as your motivation to
Speaker 2: get you going to do something different because just because
Speaker 2: no one in your family, look, I get it. No
Speaker 2: one in my family also talked to me specifically about investing.
Speaker 2: These are things I learned on the as I got
Speaker 2: older and especially on my journey. But you can be
Speaker 2: the first. You can change that and then be the
Speaker 2: person that you know puts your family on and your
Speaker 2: cousins and you start to help other people when you
Speaker 2: have the knowledge and information right.
Speaker 1: And I just want to say too that when you're
Speaker 1: on this journey and you know, I would say, gather
Speaker 1: friends confidants as you go along who were on the
Speaker 1: same path as you. Because family is amazing. But family
Speaker 1: doesn't always understand the journey that we're on because they
Speaker 1: have their separate journeys. So I just feel like the
Speaker 1: more voices you have, whether it's hours from listening to
Speaker 1: the podcast. I'm happy that you found BA, but also
Speaker 1: Jamila's podcast Journey to Launch. It's a great one to
Speaker 1: add to the mix. So you yeah, we can be
Speaker 1: like your big sister friends who can give you these
Speaker 1: ideas and help guide you a little bit of the way.
Speaker 1: But to take ownership of your own journey. And you're
Speaker 1: only thirty one, you're so young. Fifty five to me
Speaker 1: does not seem like out of step with reality at all.
Speaker 1: To have a goal of you know, being able to
Speaker 1: retire or at least being used to say it's comfortable,
Speaker 1: of course, like fifty five, Like that's twenty five years
Speaker 1: almost that you've got to invest. I'm like, start now, Yeah, let's.
Speaker 2: Go to it. You got you got a lot of time,
Speaker 2: and it's never too late. You know, it's never too late.
Speaker 2: You'd be surprised how much ground you can make up
Speaker 2: once you just start, because as you start, you may
Speaker 2: not know everything you need to know right now, but
Speaker 2: as you start going, you start it's like picking up
Speaker 2: gems you play in a video game, right and it's
Speaker 2: just like you picking up these gems and tools and
Speaker 2: it becomes like a big effect, a snowball effect, and
Speaker 2: things start accumulating faster that you could have ever imagined.
Speaker 2: So just start and this is a great start for
Speaker 2: you asking the question.
Speaker 1: Absolutely. Okay, thank you, Anna, thank you so much for
Speaker 1: sending in your question. We're going to take a quick
Speaker 1: break and we'll be right back with more of the
Speaker 1: Baqa with our guest Jamila Soufront of Journey to Launch. Hey,
Speaker 1: ba Fan, we are back with question number two. This
Speaker 1: question comes from a listener who'd like to be called
Speaker 1: Manifesting Wealth Babe. Okay, I feel that I'm excited to
Speaker 1: hear from you, Manifesting Wealth Babe, because you've been a
Speaker 1: long time listener. Let's get into this question. Hey, Mandy
Speaker 1: and Tiffany. She says, I last wrote to y'all one
Speaker 1: and a half years ago when I was seventy five
Speaker 1: hundred dollars in credit card debt and seeking advice on
Speaker 1: how to pay that down and buy a house. Well
Speaker 1: now I am credit card debt free, yes, and I'm
Speaker 1: getting the keys to my first row home next week,
Speaker 1: which will be my primary residence. Come on, this is
Speaker 1: amazing and just one and a half years that is phenomenal.
Speaker 1: I'm also starting a new job where I'll be making
Speaker 1: fifty k more than my last one. To me amazing,
Speaker 1: like I shook it. Wow, you did the damn thing, girl.
Speaker 1: This is incredible. Okay, starting a new job making fifty
Speaker 1: k more. Since my mortgage interest rate is at seven
Speaker 1: point three seven percent ooof yes, it's so expensive out
Speaker 1: there right now, I'd like to pay now my house
Speaker 1: as quickly as possible. I figure that I can put
Speaker 1: that fifty k a year toward my mortgage by tripling
Speaker 1: my monthly payment. What else should I be doing to
Speaker 1: make my money work for me? I have several four
Speaker 1: to one ks from different jobs throughout the year, but
Speaker 1: I don't keep up with them, and I don't know
Speaker 1: the collective total. Should I start focusing on building that up,
Speaker 1: put more money toward my emergency face savings, or start investing.
Speaker 1: I've got a six month emergency fund, and since I'm
Speaker 1: using some state grant programs, I'm technically not supposed to
Speaker 1: rent out my house for the life of the loan. Okay. Interesting.
Speaker 1: Any advice on next steps now that I've got my
Speaker 1: head above water would be greatly appreciated. Things for all
Speaker 1: you do ooh, Okay, got to celebrate those wins. Yeah,
Speaker 1: but now it's the Okay, I did the dirty work,
Speaker 1: paying down the debt, doing what I can to get
Speaker 1: access to I love the idea that you use grants,
Speaker 1: some state programs to get your first property, but fifty
Speaker 1: k more and thinking about tripling her mortgage payments? Why
Speaker 1: does my chest kind of do like it? When I
Speaker 1: don't know, am I wrong? I kind of feel like,
Speaker 1: don't do that? But I don't know what. I don't
Speaker 1: know what exactly I'm thinking yet, what do you think?
Speaker 2: All right, there's a few things here. So the first is,
Speaker 2: oh my gosh, congratulations, you are doing the damn thing.
Speaker 2: You'd be primed to like join me on this journey
Speaker 2: to financial independence because you're the kind of person where
Speaker 2: you're a journey to financial freedom because you have so much,
Speaker 2: so many assets in terms of what can help you
Speaker 2: on this journey leap frog you forward very fast through
Speaker 2: these stages that I talk about to reach financial independence.
Speaker 2: And so first this is going to just be technical,
Speaker 2: but I would like you to go search down and
Speaker 2: find where your several four one ks are, so you know,
Speaker 2: a task is to where are those four one k's located.
Speaker 1: If you got in the book, honey, right.
Speaker 2: Sit down, call those companies up, get the log in
Speaker 2: information and it might be best served that might it
Speaker 2: will be best served for you to probably roll those
Speaker 2: all over into your own you know outside what would
Speaker 2: happen is a traditional ERA. So because it's a pre
Speaker 2: tax four one K, if you roll that and took
Speaker 2: that out of your companies who's ever holding it and
Speaker 2: put it into your own ERA account, you can roll
Speaker 2: that over and combine everything just so you can have
Speaker 2: it all in one place and be more direct or
Speaker 2: active in knowing what the numbers are and where you're invested,
Speaker 2: because you don't know if the company's charging you overcharging
Speaker 2: you to help manage these investments when you can park
Speaker 2: them on your own somewhere else in a mutual fund
Speaker 2: that has a low fees. So just one get that
Speaker 2: information for all your accounts, consider rolling them over into
Speaker 2: one and talk to a tax person. So at your
Speaker 2: income level, I'm assuming it's a lot more now you
Speaker 2: know it might be best to talk to someone who
Speaker 2: can help navigate and manage this for you. The other
Speaker 2: thing is that you're you're going to have a very
Speaker 2: huge increase in income, So investing in a four to
Speaker 2: one K to help manage taxes, right, you're putting away
Speaker 2: for your financial future and financial independence, but you're able
Speaker 2: to lower your taxable income because you know, when we
Speaker 2: make more, that's when the government comes in and they
Speaker 2: tax us more, which is not always a bad thing.
Speaker 1: You know.
Speaker 2: I am for paying taxes because this country needs to
Speaker 2: run some way. So but if you can then increase
Speaker 2: your four one K contributions at your current job, that
Speaker 2: will help to reduce how much taxes you pay and
Speaker 2: put some money away for yourself that you can use.
Speaker 2: I think the other thing I didn't want to mention before, Mandy,
Speaker 2: I want to hear some of your feedback is that
Speaker 2: you know, the biggest thing is that you don't have
Speaker 2: to make this complicated. It seems like you pay down
Speaker 2: your credit card debt already. The interest rate is very high,
Speaker 2: So I just keep your eye in the interest rate
Speaker 2: to see when you can refinance at a lower rate
Speaker 2: once they start dropping, because in a couple of years
Speaker 2: they will. But for me, I wouldn't necessarily put all
Speaker 2: of my money or additional money in the house just
Speaker 2: because you know, it's a non liquid asset. You know,
Speaker 2: to tap into that money. It would be a lot
Speaker 2: harder if you need it or need to sell or
Speaker 2: whatever the case like. In order to tap into the
Speaker 2: equity of your home, you're going to either need to
Speaker 2: sell it or to take out a home equity mortgage
Speaker 2: versus you invest that money and you can maybe beat
Speaker 2: I mean, this is a high interest rate, but if
Speaker 2: you can beat the average of what you're paying any
Speaker 2: of your mortgage, it maybe makes sense to do it
Speaker 2: that way. But I wouldn't discourage you. I do the
Speaker 2: math on how much do so would I pay or
Speaker 2: how long will it take if I do triple these payments?
Speaker 2: Does it shave off five years? Does it shave off
Speaker 2: only like? What does that look like? And less cash flow?
Speaker 2: Does that matter more to me versus increasing my assets
Speaker 2: on the other side, versus increasing my equity in my house? Mandy,
Speaker 2: what do you think?
Speaker 1: Yeah, I love a lot of what you said. I
Speaker 1: think the reason my stomach was kind of turning when
Speaker 1: it came to the idea of tripling their mortgage payments
Speaker 1: is like the high of paying down debt. You know,
Speaker 1: you get that this is like the Dave Ramsey way
Speaker 1: of paying down debt. Right, just like attack, attack, attack.
Speaker 1: But I agree it's going to put you in a
Speaker 1: financially vulnerable situation to tie up even more of your
Speaker 1: money in a house, especially like like like Tiffany, Sorry, Jamila, Tiffany,
Speaker 1: I miss you, Like Jamila said, you know, it's it's
Speaker 1: something that you can It's not a piggy bank. People
Speaker 1: treat it. They think you can treat like a piggy bank,
Speaker 1: but it takes time. And even during the pandemic, banks
Speaker 1: were like stopping giving home equity loans because everybody was like, oh,
Speaker 1: my home, my home prices have gone up so high,
Speaker 1: my home values have gone up so high. I want to,
Speaker 1: you know, tap into this. And thanks were like slow down,
Speaker 1: so and and I like the idea because you have,
Speaker 1: you know, paid off your debt. I think that's incredible.
Speaker 1: You can keep that good feeling going, the high that
Speaker 1: you get from paying it down, But don't put that
Speaker 1: energy into your house. I would say, put it into
Speaker 1: your investment account, in your in your emergency fund. Six
Speaker 1: months is great, but you're a homeowner now, and these
Speaker 1: homes be homing, okay, Like I moved into I bought
Speaker 1: my house five years ago, and it's about that time,
Speaker 1: the appliance has start breaking down on you, and I'm like,
Speaker 1: wait a minute, didn't I just spend two thousand dollars
Speaker 1: on this washer dryer, you know what I mean? And
Speaker 1: it's like, oh, well, this is what happens. Now you
Speaker 1: got to repair stuff. The prices, you know, the cost
Speaker 1: goes up. Also to make your money work for you.
Speaker 1: I feel like there's no better place at this stage
Speaker 1: for you then getting some of that money into the market,
Speaker 1: and whether it's like getting all your four to one
Speaker 1: ks all in one place, which I absolutely I would
Speaker 1: even go further to say, girl, go round them up
Speaker 1: and get them in one place. You can't be losing
Speaker 1: track of money like that, like leaving money under the
Speaker 1: couch cushions, because for example, I forgot about like a
Speaker 1: little tiny baby for one K I had from a
Speaker 1: job that I was at for just a hot minute
Speaker 1: a few years back, and it was like fifteen hundred
Speaker 1: dollars and it was just putting a money market fund,
Speaker 1: earning negative money, and I missed all the fun ups
Speaker 1: of the pandemic. You know, I could I could have
Speaker 1: gained a lot on that a little bit of money,
Speaker 1: but it was just sitting there not invested. Excuse me. So,
Speaker 1: I think if you want your money to work for you,
Speaker 1: figure out a way to leverage your increase in pay
Speaker 1: in a tax savvy way. I agree with Jamila about
Speaker 1: reaching out to a tax professional, but you know, I
Speaker 1: think it is simple open up or start contributing to
Speaker 1: your pre tax retirement account through your employer and start
Speaker 1: letting that money continue accruing on the side while adding
Speaker 1: a little bit more to that emergency fund. It's up
Speaker 1: to you sort of what your magic number is. Six
Speaker 1: months sounds good, but I'm honestly, like a as a homeowner,
Speaker 1: I'm on that, like you know, nine to twelve month, yeah,
Speaker 1: expenses kind of train like I yeah, especially having survived
Speaker 1: a couple of processions now. But that's that's really up
Speaker 1: to you. But my message is, let's sink more money
Speaker 1: into your investment portfolio than into your house right now.
Speaker 2: And if I could just add so One of the
Speaker 2: things I tell people to do in the book to
Speaker 2: help map out their journey to financial independence is that
Speaker 2: you have to assess where you currently are. You have
Speaker 2: to know your numbers and so you have to know
Speaker 2: your income, You have to know your expenses. You have
Speaker 2: to know how much you owe sow your liabilities, and
Speaker 2: you have to know how much you own your assets
Speaker 2: because your assets and accumulating more eventually allows you to
Speaker 2: retire early or quit that job, or do whatever you
Speaker 2: want because your assets will pay for your living expenses.
Speaker 2: But if you don't know how much you have or
Speaker 2: where they are, then you don't know your starting point,
Speaker 2: So you don't know you might be further along that
Speaker 2: you can even know to reaching financial independence or your journey,
Speaker 2: but you just don't know that you're not counting that
Speaker 2: money because you don't know what it is yet. Versus,
Speaker 2: sit down, get the numbers together, look at look forward
Speaker 2: on where you want to be in twenty years, how
Speaker 2: much you would need to feel financially independent in your
Speaker 2: investment accounts, and that way you can map out what
Speaker 2: it looks to what does it take to do that?
Speaker 2: You know, I have maybe fifty thousand dollars in the
Speaker 2: four to one case combine now I want to maybe
Speaker 2: have a million one point five million. You know in
Speaker 2: ten fifteen years how much you need to invest over
Speaker 2: time to do that? Right, which if you can't do
Speaker 2: that if you don't know your starting point. So you know,
Speaker 2: everyone assess where you currently are. You know, rip that
Speaker 2: band aid off. If you've been avoiding it, it's okay.
Speaker 2: You'd be surprised at how much further along you are.
Speaker 1: Then you think, oh, in one little tidbit, I forgot
Speaker 1: to mention that I popped into my head. If you're
Speaker 1: going to pay extra on your mortgage down the line,
Speaker 1: you don't have to do it all right now. You
Speaker 1: can do it down the line. I think that's generally smart,
Speaker 1: because you know, it's generally smart because it could. It
Speaker 1: could if you do it the right way, pay down
Speaker 1: your principle a little bit faster. But I will. I
Speaker 1: do want to note you have to tell your bank
Speaker 1: to apply it to the principle because, honey, amortization, I
Speaker 1: hate that word. It always wants to stay stuck in
Speaker 1: my throat. Amortization is basically how banks structure the payments
Speaker 1: of your loans, and from the beginning it is like
Speaker 1: almost all going toward interest, okay, and in your case,
Speaker 1: probably all going toward interest. So unless you say these
Speaker 1: extra dollars must pay down the principle, they won't. So
Speaker 1: if you're going to do that, anyone listening just make
Speaker 1: sure that you check that marks on your check that
Speaker 1: box on your mortgage payment, and make sure that you
Speaker 1: talk to them to be sure it's being applied to
Speaker 1: the principle. Okay, Manifesting Wealth Babe, I just want to
Speaker 1: give you more snaps because it's incredible what your progress is.
Speaker 1: I'm so excited for this new chapter in your journey.
Speaker 1: Please keep us posted, all right, And it sounds like
Speaker 1: I'm going to buy you a copy of Jamula's book
Speaker 1: your address, Manifesting Wealth Babe almost send it to you.
Speaker 1: Your Journey to Financial Freedom by Jamila su Front is
Speaker 1: available now wherever books are sold in the website your
Speaker 1: Journey to Financialfreedom dot com. I got it, I get
Speaker 1: it right, Yeah, yeah yeah, Jamilus is so fun. Thanks
Speaker 1: for joining us on the d a q A and
Speaker 1: we'll see you all next week