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Speaker 1: Hey, hey, hey, guys, I know you were expecting a

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Speaker 1: different Hey, hey, hey, our beloved Tiffany fell Ill today.

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Speaker 1: I think she's doing better. But I want to let

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Speaker 1: you guys know that the show is going on and

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Speaker 1: I am here. I have a remarkable guest, someone that

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Speaker 1: I've admired for the past couple of years, The one,

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Speaker 1: the only, Miss Marcia Barnes, the founder of the Finance Bar,

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Speaker 1: which is a fabulous mobile personal finance suite which we're

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Speaker 1: going to get to in a minute, based in Charlotte,

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Speaker 1: North Carolina. Marcia, thanks so much for coming on Brown Ambition.

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Speaker 2: Thank you for having me, Manny.

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Speaker 1: I'm glad to be here you guys. So two years ago,

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Speaker 1: let me just tell you the background, the origin story

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Speaker 1: of how I'm miss Marcia. So two years ago, I

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Speaker 1: was at FINNCN and Charlotte and all of us, you know,

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Speaker 1: the people, the Brown Personal finance folks. We have a

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Speaker 1: little secret we may or may not have a secret group,

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Speaker 1: and we kind of all gathered together at these financial conferences.

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Speaker 1: Come on Strengthen numbers got together and everyone's like, you guys,

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Speaker 1: you know that finance the school bus is down there.

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Speaker 1: Marcia with her finance bar school bus is down there.

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Speaker 1: She's like going to show off the bus and giving tours,

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Speaker 1: and I was like, say, what to who a school bus?

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Speaker 1: And is this like for children?

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Speaker 2: What?

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Speaker 1: And no, let me tell you it was the most amazing,

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Speaker 1: beautiful school bus. I didn't even know school buses could

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Speaker 1: be that nice. That Marcia had outfitted and turned into

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Speaker 1: the finance bar. Which, Marcia, you probably do a way

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Speaker 1: better job than I do telling people what exactly the

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Speaker 1: finance bar is and why a school bus.

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Speaker 2: Yeah, so the finance bar is.

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Speaker 3: I like to call it a mobile finance suite on whels.

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Speaker 3: I use that word sweet because I feel like my

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Speaker 3: bus is extremely savvy. I like to brag on it

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Speaker 3: because I think that my designer did an amazing job

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Speaker 3: with it. But in short, the finance bar is really

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Speaker 3: centered around meeting people where they are on their finance journey.

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Speaker 3: So I decided to take a bus and have it

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Speaker 3: outfitted to be a mobile finance bus machine on whells

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Speaker 3: to really meet people at different locations to talk about

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Speaker 3: their finances. So I would meet them on college campuses

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Speaker 3: where we know that a lot of personal finances never mentioned.

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Speaker 3: You know, we have kids that leave college and never

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Speaker 3: know anything about money when they leave.

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Speaker 2: I knew that over.

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Speaker 3: Seventy five percent of people at their jobs are stressed

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Speaker 3: about money every single day, So I wanted to visit corporations.

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Speaker 3: I knew that all these organizations that really need to

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Speaker 3: really touch people when it when it comes to economics

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Speaker 3: and personal finances, I could meet them there. So I

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Speaker 3: decided to outfit the bus to be like a mobile office.

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Speaker 3: So the Finance Bar is really a personal finance suite

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Speaker 3: in mobile hub that really meets people where they are

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Speaker 3: on their finance journey.

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Speaker 1: You guys have to I'm going to post some pictures

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Speaker 1: and a link to the Finance Bar on the Brand

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Speaker 1: Ambition podcast website. But when I suite is an excellent way,

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Speaker 1: but I don't I feel like it really doesn't do

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Speaker 1: it justice. You've got to go see the pictures of

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Speaker 1: this bus. It's actually it's actually beautiful, which I didn't

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Speaker 1: think I would ever say. And you're still based in Charlotte,

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Speaker 1: North Carolina, but you offer your services to people online, right,

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Speaker 1: you don't have to sort of be based. That's one

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Speaker 1: of the best things I think about the finance bars.

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Speaker 1: You don't have to sort of be you know, there

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Speaker 1: in Charlotte to sort of get the same services.

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Speaker 3: Right, No, you don't have to be in show to

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Speaker 3: get the same services because so in addition to the bus, Mandy,

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Speaker 3: I also have a coaching suite in Charlotte that I

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Speaker 3: had that I'm able to coach people whether they are

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Speaker 3: in person or also do it virtual. And we even

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Speaker 3: had my office to look very similar to the bus.

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Speaker 3: So you're getting somewhat of the same experience. But in

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Speaker 3: addition to the coaching suite, for people that don't feel

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Speaker 3: they need that direct coaching or maybe them feel like

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Speaker 3: they can't afford coaching at this time, I have a

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Speaker 3: virtual members club as well, where people are able to

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Speaker 3: log in and learn tons, tons of things about personal

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Speaker 3: finance from your money mindset, I feel like you're struggling

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Speaker 3: there to budgeting, managing your debt, creating a plan, B

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Speaker 3: investing all that good stuff. So there are several different

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Speaker 3: options of how you can work with the Finance bar So.

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Speaker 1: Let's back up just a bit, just a minute, because

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Speaker 1: people are probably wondering how, why a school bus, what

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Speaker 1: where did this all come from? So before you launch

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Speaker 1: the Finance barre, you actually were working full time for

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Speaker 1: a big bank, right.

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Speaker 2: Well, that's right, yep, I was working for a big bank.

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Speaker 3: I had both Wells Fargo for like right at twelve years,

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Speaker 3: and before that I was still also in banking, So

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Speaker 3: I spent a lot of time in the banking industry.

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Speaker 3: But I think I really became to have a love

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Speaker 3: for personal finance when I knew what money could really

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Speaker 3: do for people, or really could do for families when

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Speaker 3: you really prepare. I think when we first met Mandy,

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Speaker 3: I told you the story of both of my parents

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Speaker 3: being laid off. They've never been like these really big

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Speaker 3: spenders and took these elaborate, elaborate trips and just really

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Speaker 3: kind of blew money. So they were always really money savvy,

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Speaker 3: and for as long as I can remember, I think

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Speaker 3: that I may have earned more money before I left

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Speaker 3: the bank than that my mom ever earned at any

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Speaker 3: job that she had, and she was laid off, and

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Speaker 3: they still did really well financially when they both were

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Speaker 3: laid off. So for me, when I left the bank,

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Speaker 3: that love for personal finance did not come from me

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Speaker 3: working at the bank at all.

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Speaker 2: I mean maybe it did, I never think that it did.

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Speaker 3: I worked a lot with people that were in foreclosure

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Speaker 3: or that had been through bankruptcy.

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Speaker 2: So that was that part of it.

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Speaker 3: And sometimes I would crane to say, like, maybe a people,

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Speaker 3: if we talked about this more, maybe we could avoid it.

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Speaker 3: If we talk more about layoffs that are taking place

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Speaker 3: around our country and how to prepare for a layoff,

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Speaker 3: maybe some of these things wouldn't happen. So, you know,

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Speaker 3: at one point, that's just when I decided to leave

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Speaker 3: the bank to really branch out on my own, to

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Speaker 3: say that I wanted to do the finance bar full

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Speaker 3: time Summertia.

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Speaker 1: Okay, let's get let's get to the numbers real quick,

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Speaker 1: because this is one of my favorite things to sort

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Speaker 1: of ask entrepreneurs about early on, is that first year.

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Speaker 1: I mean, what were the startup costs involved with creating

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Speaker 1: a mobile financial hub on a school bus? Nonetheless?

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Speaker 3: Okay, so my bus, Mandy was what was my busy?

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Speaker 3: My bus wasn't really that expensive, maybe three thousand and

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Speaker 3: thirty five hundred because when I realized, I felt like,

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Speaker 3: well that's pretty cheap until I got it and then

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Speaker 3: I realized that it needed a lot of repairs done

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Speaker 3: to us. Let's just say that the bus was about thirty.

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Speaker 2: Five hundred dollars.

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Speaker 3: Mandy like mechanics and things that I had to get

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Speaker 3: done to it upfront just to be able to have

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Speaker 3: it safe and on the road was around like four

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Speaker 3: thousand dollars. And then like the cosmetics, getting the bus wrapped, designed,

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Speaker 3: getting the different stickers on it, and all that good stuff, website,

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Speaker 3: all of that I was at at least twenty thousand dollars.

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Speaker 3: And that's like getting insurance the bus, getting the bus repairs,

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Speaker 3: the website, the inside, designed, the air conditioning, forward, everything

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Speaker 3: at least twenty thousand dollars. But since then, but since startup,

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Speaker 3: it's been much more. Since then because of course I

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Speaker 3: have monthly insurance and up like the mechanics.

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Speaker 2: Done each year to the bus to make sure that.

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Speaker 3: It's safe for the road and all that good stuff.

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Speaker 3: So it's much more than that now. But in the beginning,

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Speaker 3: about twenty thousand dollars total.

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Speaker 1: And what was that conversation Like when you have a

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Speaker 1: great job, you're at Wells Fargo, you have your savings,

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Speaker 1: you're a but your son's about to go to college

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Speaker 1: and you sit down with your husband and you say, hey, babe,

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Speaker 1: I would really love to spend to spend my savings

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Speaker 1: on creating this this finance bar and getting a school

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Speaker 1: bus and turning it into a personal finance hub.

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Speaker 3: Well, you know, Mandy, it wasn't It wasn't an immediate

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Speaker 3: conversation like that, because when I first got the bus,

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Speaker 3: like that was a big expense, But then the biggest

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Speaker 3: expense after that I would have to say, like was

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Speaker 3: the mechanics, and I would have to My husband was

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Speaker 3: pretty upset about that because it was just like we're

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Speaker 3: paying more to get the bus repaired than the bus

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Speaker 3: actually cost. But now after that, Mandy, you know, it

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Speaker 3: was like this small stuff to get the bus painted inside,

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Speaker 3: to pay for the contract, to get like furniture from Ikia.

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Speaker 3: So it was like little small pieces of money in

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Speaker 3: all these different spaces. So it's not like I had

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Speaker 3: to sit down with them and say, you know what,

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Speaker 3: I think this is going to cost about twenty thousand dollars.

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Speaker 3: So it wasn't an abrupt conversation to like really freak

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Speaker 3: him out. It was just money across different areas during

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Speaker 3: that period of time of my startup. But as I

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Speaker 3: mentioned before, I was also still employed, so some of

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Speaker 3: the money that I was earning from the bank, I

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Speaker 3: was also using to put into the finance bar instead

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Speaker 3: of having to take all of it and use it

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Speaker 3: for my savings. It was kind of like, dip into

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Speaker 3: my savings for this amount, go hear from my paycheck

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Speaker 3: for this now to try to balance it out as

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Speaker 3: much as I could.

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Speaker 2: So that's just pretty much how I had to make

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Speaker 2: it work.

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Speaker 1: And when you're dipping into your savings, are those just

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Speaker 1: regular savings or are you in your four one k?

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Speaker 2: No, it's just regular savings. Yeah, savings, Yeah, just regular savings.

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Speaker 1: Were you guys able to I mean as a family,

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Speaker 1: I know you've probably had, you know, savings goals. Were

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Speaker 1: you guys able to continue sort of saving for your

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Speaker 1: future retirement long term stuff while you were starting the business?

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Speaker 2: Yeah?

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Speaker 3: I was because at the bank we still had I

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Speaker 3: still had my forra one k, so I was still

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Speaker 3: like investing into my for all one k.

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Speaker 2: None of that changed. And you know what, Manny, that.

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Speaker 3: Like, now that we talk, I want to go back

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Speaker 3: and say this because I think that it's important for

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Speaker 3: people to hear. Is that as an entrepreneur or just

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Speaker 3: someone that's trying to do better with their finances when

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Speaker 3: it comes to saving, I can truly say that I

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Speaker 3: don't know what I was saving for Mandy. Like you

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Speaker 3: know how you think about saving, It's like, okay, for emergencies, Okay,

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Speaker 3: I get that, but this savings wasn't like an emergency savings.

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Speaker 3: It was just kind of like money to have and

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Speaker 3: at that moment, and I even share this with clients now,

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Speaker 3: is that one day a moment will come and you'll

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Speaker 3: say that, maybe I don't understand why I'm saving now,

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Speaker 3: which is why a lot of people don't save, because

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Speaker 3: they're like, you know, for what, I can't take my

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Speaker 3: money with me when I leave here, so why do

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Speaker 3: I save? I feel like my moment for me was

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Speaker 3: one day I woke up and I said, I want

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Speaker 3: to leave my job to do something that I really

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Speaker 3: love to wake up to do, wake up and do.

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Speaker 3: That is why I was saving money all along. I

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Speaker 3: just didn't realize it because it wasn't for all one

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Speaker 3: K money. It wasn't from an emergency fund. It was

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Speaker 3: other money. So my story now now that I think back,

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Speaker 3: is that that's what I was saving for. I was

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Speaker 3: saving for my moment to save. Like I always tell people,

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Speaker 3: saving money is not always about when a problem comes

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Speaker 3: up or for an emergency, and it may not even

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Speaker 3: be for a vacation. What if you just wake up

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Speaker 3: one day and there's something different that you want to

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Speaker 3: do in life.

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Speaker 2: Like, how do you pivot? I had to pivot.

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Speaker 3: So in order to pivot, I had to have savings

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Speaker 3: to create this business. And that's just what I did,

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Speaker 3: and I made it work. So I didn't stop, you know,

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Speaker 3: putting money into my for a one K that's still saved,

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Speaker 3: that that still happened. We didn't stop putting money into

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Speaker 3: it twenty emergency savings, and then we had to send

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Speaker 3: our son off. So now I'm thankful that everything just

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Speaker 3: kind of fell into place. And then once it did

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Speaker 3: and I had that business going, it was just really

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Speaker 3: working aggressively to make it work, because that was to go,

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Speaker 3: just make it work. You can recoup the money, but

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Speaker 3: just really work hard to make it work.

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Speaker 1: I think that's such an important statement you made, and

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Speaker 1: it's so true, you know. I remember in my early

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Speaker 1: twenties after I lost my very first job in New

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Speaker 1: York and I was laid off, and I was like,

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Speaker 1: oh God, I have nothing in the bank. And I

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Speaker 1: after that, I've after that. I mean I was twenty two.

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Speaker 1: I didn't know what I was needed money for. I

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Speaker 1: just knew that I never wanted to be like feel

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Speaker 1: trapped and like never having to take a job I

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Speaker 1: didn't want. That's why I love when people call savings

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Speaker 1: accounts your freedom fund or your yeah, your FU fund

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Speaker 1: for then the PG thirteen version the FU fund, cause

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Speaker 1: it's like, yeah, you may not have a name for

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Speaker 1: it now, but it's it's power.

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Speaker 2: It's power, yeah, I said, it's.

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Speaker 1: The ability to do what you want when you want

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Speaker 1: to and sort of make that decision.

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Speaker 2: Yeah.

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Speaker 3: Because looking back, Mandy, I honestly I never would have

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Speaker 3: thought I would have left the bank like now, even

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Speaker 3: thinking about it, I never thought it because when I left,

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Speaker 3: you know, what was trending, what was a big deal

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Speaker 3: was like millennials working for the working for themselves.

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Speaker 2: I'm not a millennial. I'm not a millennial.

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Speaker 3: I'm not someone that's in their twenties that's fresh out

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Speaker 3: of college either. So for me it was a huge

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Speaker 3: deal because I was I was raised to know that,

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Speaker 3: you know, you go to school, you go get a

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Speaker 3: good job, and you stay at that job to retirement.

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Speaker 3: So for me being an entrepreneur in itself was a

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Speaker 3: huge deal. I don't come from a long line of entrepreneurs.

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Speaker 3: I have a few uncles that they are. But I

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Speaker 3: still pinch myself because I never ever, ever thought that

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Speaker 3: I would leave the bank ever now, not one time ever.

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Speaker 3: I always did everything to elevate myself to the next

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Speaker 3: level at the bank, and when I left bank, it was.

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Speaker 2: From a job that I loved.

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Speaker 3: So when I loved I was still in tears because

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Speaker 3: I couldn't even believe I was going to walk away

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Speaker 3: from it, and then I just decided to do it.

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Speaker 3: So I think it's important that people know that a

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Speaker 3: savings is not just for bad things in life. One

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Speaker 3: day you wake up and I think that everyone, at

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Speaker 3: some point or I think everyone has a gift, and

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Speaker 3: to truly walk in that gift, you have to prepare

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Speaker 3: yourself for that moment when you say that I can't

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Speaker 3: let this dream or this vision that I have go

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Speaker 3: for my life. And the only way to do that

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Speaker 3: is to somehow prepare for that moment and to be

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Speaker 3: willing to work through the kings and everything that it

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Speaker 3: takes to get there.

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Speaker 2: And that's just what I've decided to do.

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Speaker 1: I love it, and I feel like it's so important

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Speaker 1: for people. And I was going to bring that up.

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Speaker 1: Thank you for I know it's not polite to ask

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Speaker 1: a woman's age, but I think it's important that people

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Speaker 1: know that you don't have to be twenty one. You

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Speaker 1: don't have to be you know, everyone tries to like

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Speaker 1: glamorized sort of like entrepreneurs is like college kids and stuff.

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Speaker 1: But you can do it when you're at a later

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Speaker 1: stage in life and when you're established in your career.

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Speaker 1: I mean, in my in my mind, I feel like

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Speaker 1: that takes even more balls. I'm sorry our guts to

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Speaker 1: to leave something so established behind. And one of the

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Speaker 1: things I hope people heard when you were talking to

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Speaker 1: is that you didn't really It's like a lot of

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Speaker 1: people who create businesses or in Silicon Valley or something,

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Speaker 1: they probably went to school with people who were starting

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Speaker 1: businesses or knew, like, came from a long line of entrepreneurs,

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Speaker 1: had a game for money, or you know, had examples

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Speaker 1: or saw examples of what it takes and sort of

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Speaker 1: and that's really valuable and to take that risk and

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Speaker 1: do it without, like you said, sort of having anyone

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Speaker 1: you can look at and say, oh great, I'll just

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Speaker 1: sort of ask Uncle Joe what it was like when

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Speaker 1: he started a school busy multile science.

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Speaker 2: Like, or I'll just ask the food truck people, like

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Speaker 2: how you did it?

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Speaker 3: Yeah, when you don't have a blueprint, Mandy, when you

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Speaker 3: don't have a blueprint?

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Speaker 2: Is I joke about it now?

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Speaker 3: I wasn't laughing a few years ago, though, because I'm like,

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Speaker 3: how am I going.

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Speaker 2: To make this thing work?

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Speaker 3: When you don't have a blueprint and you don't have

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Speaker 3: like investors, It's like you're starting from zero, like ground,

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Speaker 3: like under ground zero, at the bottom of nothing to

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Speaker 3: try to figure everything out.

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Speaker 2: So it was it was a scary moment, but I

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Speaker 2: was determined.

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Speaker 3: I was determined, and I still am, like, just to

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Speaker 3: make it happen, and things have been working out just fine.

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Speaker 3: I'm still shocked by it, but I know there's still

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Speaker 3: a long journey ahead of me, and I'm really excited

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Speaker 3: about that.

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Speaker 1: Well, let's go back to December of twenty sixteen. So

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Speaker 1: at that point, you've been working on the finance bar

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Speaker 1: for about a year, right, a little over a.

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Speaker 2: Year, yeah, a little over year.

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Speaker 1: Uh huh, And that was the moment you've been working

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Speaker 1: on it for a year. The first year was tough.

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Speaker 1: When did you decide, I think it's time for me

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Speaker 1: to leave my job, my full time job, and really

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Speaker 1: dedicate myself one hundred percent to this new mission.

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Speaker 3: I think what it was for me, Mandy, is I

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00:17:08,880 --> 00:17:14,520
Speaker 3: started to get like speaking engagements to speak for different

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Speaker 3: companies that were somewhat competition for the bank. And I

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Speaker 3: just had this yep, and I just had this good

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Speaker 3: feeling that this won't go well like I have to

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Speaker 3: I just won't go well, like I'm gonna have to

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Speaker 3: try to juggle this. It's not going to happen. Like

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Speaker 3: the finance Bar has started being in the media. It

350
00:17:31,480 --> 00:17:34,520
Speaker 3: was his whole it was his whole ordeal, and I

351
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Speaker 3: know it no longer felt safe for me, Mandy. It

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Speaker 3: didn't feel like I was doing the bank any justice

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Speaker 3: by trying to like float between two different things. And

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Speaker 3: I said, what is most important to me? And the

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Speaker 3: finance Bar was most important to me, And I said,

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Speaker 3: what's the worst that could happen? The worst that could

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Speaker 3: happen is that I won't earn any money from this,

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Speaker 3: and I won't have any money coming into my household.

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Speaker 3: So how do I earn money, and once I knew

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Speaker 3: that I could do that, that was my decision. It

361
00:18:07,960 --> 00:18:10,880
Speaker 3: was like either Wells it was Wells Fargo or the

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Speaker 3: finance bar.

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Speaker 2: Which one are you willing to do?

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Speaker 3: And I felt like I had been at Wells Fargo

365
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Speaker 3: for several years. So I did that, and I really

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Speaker 3: left on a good note. There was no ill will.

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Speaker 3: I did not like my job. I loved my job.

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Speaker 3: I loved the person that I worked for. It was

369
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Speaker 3: just time. It was time for the next journey in

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Speaker 3: my life. And that's just when I made the decision.

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Speaker 3: I was actually supposed to leave in November and chickened

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Speaker 3: out and said, yeah, no, I don't think I'm ready.

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Speaker 3: I should just stay one more month. And then when

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Speaker 3: December came out, I was like, well, maybe I should

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Speaker 3: just stay until the beginning of next year. And I said, no, Marsha,

376
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Speaker 3: don't do it. And I just left in December.

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Speaker 1: At that time, South went and let go, and what universe,

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Speaker 1: I guess, God, that's right, whatever you believe, yeah, let go.

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Speaker 1: At that time, were you bringing in money enough to

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Speaker 1: replace your well Spargo salary?

381
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Speaker 2: Yeah? Yeah.

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Speaker 3: So at that time, Mandy, I had made my way

383
00:19:04,280 --> 00:19:06,440
Speaker 3: with the members club with the virtual member with the

384
00:19:06,520 --> 00:19:09,399
Speaker 3: virtual membership to almost to a place where I was

385
00:19:09,440 --> 00:19:14,080
Speaker 3: bringing in almost what I've made at Wills Fargo. So

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Speaker 3: if you if you think about it, Mandy, I wasn't

387
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Speaker 3: you know, I was. In my mind, I thought I

388
00:19:18,920 --> 00:19:21,159
Speaker 3: was giving the Finance Bar one hundred percent, but I

389
00:19:21,200 --> 00:19:23,879
Speaker 3: couldn't because I was working a full time, eight to

390
00:19:24,000 --> 00:19:25,480
Speaker 3: five job every single day.

391
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Speaker 2: So I knew that if I was.

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Speaker 3: Able to accomplish that in the hours that I was

393
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Speaker 3: able to give to the Finance Bar, what would my

394
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Speaker 3: potential be if I did it full time.

395
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Speaker 2: So that's just what I said to myself.

396
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Speaker 3: If I let it go, and I'm almost at that

397
00:19:41,960 --> 00:19:45,280
Speaker 3: number that I need need to be at to replace

398
00:19:45,359 --> 00:19:48,439
Speaker 3: that income or replace that salary, if.

399
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Speaker 2: I do this full time, I can easily do it.

400
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Speaker 2: And I've been able to do it since then.

401
00:19:53,320 --> 00:19:55,520
Speaker 3: So it was kind of like, yeah, like I had

402
00:19:55,520 --> 00:19:58,040
Speaker 3: the virtual membership, I was almost at that number, and

403
00:19:58,080 --> 00:20:00,119
Speaker 3: then when I quit, I was able to hit that

404
00:20:00,200 --> 00:20:01,960
Speaker 3: number when I really just gave it one hundred percent

405
00:20:02,000 --> 00:20:02,600
Speaker 3: of myself.

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Speaker 1: I think that's sort of a trend I've seen, and

407
00:20:05,160 --> 00:20:08,199
Speaker 1: especially in personal finance entrepreneurs or anyone who's sort of

408
00:20:08,400 --> 00:20:12,719
Speaker 1: working with like consumer facing online businesses, is the importance

409
00:20:12,760 --> 00:20:17,359
Speaker 1: of creating some sort of subscription monthly service, And do

410
00:20:17,400 --> 00:20:19,560
Speaker 1: you feel like that was because you've tried a couple

411
00:20:19,600 --> 00:20:23,320
Speaker 1: of other ways to sort of bring in revenue with

412
00:20:23,400 --> 00:20:25,840
Speaker 1: the finance barn. Can you talk about some things you

413
00:20:25,920 --> 00:20:29,280
Speaker 1: tried that didn't work and how you found that the subscriptions,

414
00:20:29,440 --> 00:20:33,240
Speaker 1: you know, monthly sort of membership ended up working best.

415
00:20:33,720 --> 00:20:33,960
Speaker 2: Yeah.

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00:20:34,000 --> 00:20:37,960
Speaker 3: So I think in the beginning, Mandy, I tried coaching,

417
00:20:38,160 --> 00:20:41,160
Speaker 3: but I didn't have a location for people to actually

418
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Speaker 3: come to for coaching. So in the beginning, I felt

419
00:20:45,000 --> 00:20:47,639
Speaker 3: like coaching wasn't a good idea because it just wasn't

420
00:20:47,840 --> 00:20:50,280
Speaker 3: I didn't have the space, I didn't have the privacy.

421
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Speaker 2: So I tried that, but I.

422
00:20:52,040 --> 00:20:54,040
Speaker 3: Literally only tried that for a couple of months, and

423
00:20:54,080 --> 00:20:56,160
Speaker 3: I was like, yeah, no, because that was just way

424
00:20:56,200 --> 00:20:58,679
Speaker 3: too much for me and having to work full time.

425
00:20:59,400 --> 00:21:01,440
Speaker 3: That just didn't work. I didn't have like a pricing

426
00:21:01,520 --> 00:21:03,199
Speaker 3: strategy laid out at that time.

427
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Speaker 2: So I think that part.

428
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Speaker 3: Of the reason why the membership works so well is

429
00:21:08,200 --> 00:21:12,040
Speaker 3: because it's something that people can log into any time

430
00:21:12,119 --> 00:21:14,480
Speaker 3: during the day, and it was a very low cost

431
00:21:14,520 --> 00:21:18,560
Speaker 3: for individuals ten dollars per month to join the membership

432
00:21:18,920 --> 00:21:22,359
Speaker 3: to be able to connect with different finance experts that

433
00:21:22,400 --> 00:21:24,879
Speaker 3: they may never see face to face, where some people

434
00:21:25,040 --> 00:21:29,000
Speaker 3: never have no personal finance experts in the industry at all,

435
00:21:29,080 --> 00:21:31,560
Speaker 3: and the cities where they live, Like I felt like

436
00:21:31,560 --> 00:21:33,760
Speaker 3: it was the perfect result to it, like I could

437
00:21:34,200 --> 00:21:38,679
Speaker 3: pull in experts, have them answer questions for people, have

438
00:21:38,920 --> 00:21:41,520
Speaker 3: live virtual sessions, and it just worked.

439
00:21:41,520 --> 00:21:42,680
Speaker 2: And it was at a low cost.

440
00:21:43,040 --> 00:21:45,440
Speaker 3: So if you're working with people that are already having

441
00:21:45,560 --> 00:21:48,520
Speaker 3: challenges with money, it's kind of difficult for them to

442
00:21:48,600 --> 00:21:55,800
Speaker 3: pay for finance related materials or resources when one they're

443
00:21:55,840 --> 00:21:58,959
Speaker 3: not accustomed to even dealing with their own finances, so

444
00:21:59,040 --> 00:22:01,800
Speaker 3: now to pay some one to really help them. I

445
00:22:01,840 --> 00:22:04,800
Speaker 3: wanted to start out really low, so that worked really well,

446
00:22:04,880 --> 00:22:06,840
Speaker 3: I think because of the costs, and I wanted to

447
00:22:06,840 --> 00:22:10,480
Speaker 3: make the members club really good and extremely valuable for

448
00:22:10,600 --> 00:22:14,320
Speaker 3: my customers, so that that has really worked well. The

449
00:22:14,359 --> 00:22:16,960
Speaker 3: coaching suite has now also worked well because I feel

450
00:22:17,040 --> 00:22:21,160
Speaker 3: like I've kept my price point at something that that's

451
00:22:21,200 --> 00:22:25,439
Speaker 3: affordable for most people. They're able to go online and

452
00:22:25,480 --> 00:22:28,320
Speaker 3: schedule appointments with me based on the system that I

453
00:22:28,400 --> 00:22:30,480
Speaker 3: use and all that good stuff. So, but I would

454
00:22:30,560 --> 00:22:33,080
Speaker 3: have to say to answer your question very simply, is

455
00:22:33,080 --> 00:22:36,359
Speaker 3: that I think the membership was definitely the best option

456
00:22:36,720 --> 00:22:39,320
Speaker 3: for finance related material, right.

457
00:22:39,400 --> 00:22:42,040
Speaker 1: And so do you offer one on one coaching?

458
00:22:42,640 --> 00:22:44,280
Speaker 2: Yeah? Uh huh, I have a coaching suite now.

459
00:22:44,320 --> 00:22:46,480
Speaker 3: I offer one on one coaching as well for singles

460
00:22:46,480 --> 00:22:47,080
Speaker 3: and couples.

461
00:22:47,400 --> 00:22:49,560
Speaker 1: And what are sort of the price points for that,

462
00:22:49,680 --> 00:22:52,320
Speaker 1: because I know that's often people's biggest question is you

463
00:22:52,320 --> 00:22:54,639
Speaker 1: know I couldn't yeah do that as too expensive?

464
00:22:55,280 --> 00:22:55,480
Speaker 2: Yep.

465
00:22:55,600 --> 00:22:59,440
Speaker 3: So for for individuals, for singles, it's fifty five dollars

466
00:22:59,520 --> 00:23:02,679
Speaker 3: per week I mean per I mean per bi weekly

467
00:23:02,720 --> 00:23:05,240
Speaker 3: I'm sorry, Mandy, fifty five dollars every two weeks.

468
00:23:05,320 --> 00:23:07,200
Speaker 2: So that's one hundred and ten dollars per month.

469
00:23:07,800 --> 00:23:10,320
Speaker 3: And I made it, broke broke that down into like

470
00:23:10,320 --> 00:23:13,240
Speaker 3: a payment schedule. So fifty five dollars is just automatically

471
00:23:13,320 --> 00:23:17,119
Speaker 3: drafted bi weekly, you know, to like lessen some of

472
00:23:17,200 --> 00:23:19,000
Speaker 3: that calls us a little bit, it's not one hundred

473
00:23:19,000 --> 00:23:22,960
Speaker 3: and ten dollars immediately each month. And then for couples,

474
00:23:23,320 --> 00:23:27,119
Speaker 3: it is seventy five dollars bi weekly. First, because it's

475
00:23:27,160 --> 00:23:29,280
Speaker 3: two people so it's seventy five dollars by weekly and

476
00:23:29,320 --> 00:23:31,639
Speaker 3: then for singles it's fifty five dollars by weekly.

477
00:23:32,000 --> 00:23:39,160
Speaker 1: And is that for like one session or health two sessions, two.

478
00:23:37,640 --> 00:23:42,800
Speaker 3: Sessions per month to sixty sessions per month. They my

479
00:23:42,920 --> 00:23:46,919
Speaker 3: clients also get actual workbook that's that's sent to them,

480
00:23:46,960 --> 00:23:48,919
Speaker 3: they get a wall chart that's mailed to them, they

481
00:23:48,960 --> 00:23:51,600
Speaker 3: get a tote bag that's sent to them. So everything

482
00:23:51,640 --> 00:23:55,840
Speaker 3: for me, Mandy goes back to the experience of making

483
00:23:55,880 --> 00:23:58,159
Speaker 3: it seem that even if you are a virtual client,

484
00:23:58,520 --> 00:24:02,240
Speaker 3: that you're right there with me. So yeah, I definitely offer.

485
00:24:02,200 --> 00:24:05,240
Speaker 2: One on one coaching now and I love it. Yeah.

486
00:24:05,720 --> 00:24:08,000
Speaker 1: So you you mentioned that, you know, towards the end

487
00:24:08,080 --> 00:24:10,240
Speaker 1: when you decided to sort of leave Wells Fargo, you

488
00:24:10,400 --> 00:24:13,240
Speaker 1: had gotten to a place where you almost were replacing

489
00:24:13,280 --> 00:24:17,120
Speaker 1: your your Wells Fargo income. What was it like sort

490
00:24:17,160 --> 00:24:19,320
Speaker 1: of getting to that point the first year and how

491
00:24:19,320 --> 00:24:21,240
Speaker 1: long did it take to you were like Okay, I

492
00:24:21,320 --> 00:24:23,800
Speaker 1: can I can do this? And like what was the

493
00:24:23,920 --> 00:24:27,439
Speaker 1: mental toll like on you know, taking your life savings

494
00:24:27,480 --> 00:24:29,000
Speaker 1: and putting it into this business.

495
00:24:29,640 --> 00:24:33,040
Speaker 3: Well after after that was done, after I took my savings, Manny,

496
00:24:33,080 --> 00:24:34,840
Speaker 3: and it was gone. I said, I can't get it back,

497
00:24:35,400 --> 00:24:39,320
Speaker 3: So I let I let the piece go of if

498
00:24:39,320 --> 00:24:41,919
Speaker 3: this doesn't work what happens because there was there was

499
00:24:42,040 --> 00:24:44,399
Speaker 3: no There really was no plan B to get back.

500
00:24:44,440 --> 00:24:45,600
Speaker 3: I mean, what was I going to do is like

501
00:24:45,640 --> 00:24:48,640
Speaker 3: sell the bus, and who's gonna want like a finance bus.

502
00:24:48,640 --> 00:24:50,600
Speaker 3: They'll have to like redo it and do it over again.

503
00:24:51,000 --> 00:24:54,480
Speaker 3: So mentally I let that part go. But I will

504
00:24:54,520 --> 00:24:56,840
Speaker 3: say to get to the point of trying to replace

505
00:24:56,920 --> 00:25:01,080
Speaker 3: that income, I put my monthly income in front of

506
00:25:01,160 --> 00:25:03,679
Speaker 3: me and I looked at it every single day like

507
00:25:03,920 --> 00:25:06,240
Speaker 3: I'm looking behind myself now to sit it's still there.

508
00:25:06,240 --> 00:25:08,920
Speaker 3: But I had like this big post it note that

509
00:25:09,400 --> 00:25:11,920
Speaker 3: would sit on a desk behind me Mandy, and I

510
00:25:11,960 --> 00:25:14,080
Speaker 3: would tape it up there and I would look at

511
00:25:14,080 --> 00:25:16,200
Speaker 3: it every single day when all to come from work

512
00:25:16,240 --> 00:25:18,719
Speaker 3: and say, how am I going to get to this number?

513
00:25:19,160 --> 00:25:21,120
Speaker 2: Or more? So that was the mental state.

514
00:25:21,160 --> 00:25:24,280
Speaker 3: It was like how do I get more clients or

515
00:25:24,280 --> 00:25:27,239
Speaker 3: more members to hit that number? So I didn't like,

516
00:25:27,280 --> 00:25:29,560
Speaker 3: I know, I hear a lot of entrepreneurs say, you know,

517
00:25:29,560 --> 00:25:32,200
Speaker 3: I want to make my goal is like make six

518
00:25:32,280 --> 00:25:33,240
Speaker 3: figures a month.

519
00:25:33,560 --> 00:25:36,200
Speaker 2: Well, for me, my goal was.

520
00:25:36,200 --> 00:25:38,639
Speaker 3: Just make sure that I'm surviving, like as soon as

521
00:25:38,680 --> 00:25:41,639
Speaker 3: I leave my job, like, can I just earn my check?

522
00:25:41,880 --> 00:25:45,560
Speaker 2: Because if I could earn my check, Mandy, like not

523
00:25:45,640 --> 00:25:46,960
Speaker 2: ever being an entrepreneur.

524
00:25:47,400 --> 00:25:50,680
Speaker 3: I think that gives a beginner entrepreneur like a boost

525
00:25:50,720 --> 00:25:53,720
Speaker 3: of confidence because at that point you're like, wait a minute,

526
00:25:54,080 --> 00:25:56,639
Speaker 3: I can do this on my own, like without someone

527
00:25:56,680 --> 00:25:59,320
Speaker 3: else paying me from a job. So that's the point

528
00:25:59,320 --> 00:26:01,560
Speaker 3: that I wanted to get it at initially, Like the goal,

529
00:26:01,720 --> 00:26:06,560
Speaker 3: Marsha is to earn your previous income. So that was

530
00:26:06,600 --> 00:26:09,000
Speaker 3: it now before I left Wills Fargo, as I mentioned,

531
00:26:09,000 --> 00:26:12,800
Speaker 3: I was probably about seventy five percent there anyway, Mandy.

532
00:26:12,840 --> 00:26:15,360
Speaker 3: So it's like pick up the pace Marshall, like when

533
00:26:15,400 --> 00:26:18,320
Speaker 3: you leave. But then also not only only did I

534
00:26:18,359 --> 00:26:20,720
Speaker 3: do that, I thought about things that I could reduce

535
00:26:20,840 --> 00:26:24,040
Speaker 3: at home, like to like lessen the blow from money

536
00:26:24,040 --> 00:26:25,639
Speaker 3: that we had to spend out, like do.

537
00:26:25,680 --> 00:26:27,439
Speaker 2: We keep the lights on all the time? Like what

538
00:26:27,520 --> 00:26:28,720
Speaker 2: can we cut back on here?

539
00:26:28,840 --> 00:26:31,080
Speaker 3: Like do I take off my serious radio out my

540
00:26:31,119 --> 00:26:33,480
Speaker 3: car and not have that expense? Like I was doing

541
00:26:33,560 --> 00:26:36,240
Speaker 3: everything to make sure that we could like the bare

542
00:26:36,359 --> 00:26:39,959
Speaker 3: bones minimum type of thing like cut out certain things

543
00:26:40,000 --> 00:26:42,080
Speaker 3: like even if I don't make that extra income that

544
00:26:42,119 --> 00:26:45,600
Speaker 3: I need, there are things from a personal expense standpoint

545
00:26:45,840 --> 00:26:46,560
Speaker 3: that I could.

546
00:26:46,359 --> 00:26:47,040
Speaker 2: Really cut off.

547
00:26:47,320 --> 00:26:50,600
Speaker 3: And that's and that's really how I handle it. I

548
00:26:50,680 --> 00:26:52,240
Speaker 3: cut out a lot of different stuff.

549
00:26:52,520 --> 00:26:55,000
Speaker 1: That's interesting. Yeah, we got a question from someone actually

550
00:26:55,000 --> 00:26:57,640
Speaker 1: who is like, how do I start a business, getting married,

551
00:26:57,720 --> 00:26:59,800
Speaker 1: quit my job, buy a house all within one year.

552
00:27:01,440 --> 00:27:03,840
Speaker 1: I was like, this will be a very quick answer.

553
00:27:04,400 --> 00:27:07,440
Speaker 1: Maybe don't try doing all that once, or something's got

554
00:27:07,480 --> 00:27:10,240
Speaker 1: to give. You know, something's got to bend if you

555
00:27:10,280 --> 00:27:13,040
Speaker 1: want sort of to gain something. So that's interesting. It's

556
00:27:13,040 --> 00:27:14,680
Speaker 1: good to know that, you know, you have to make

557
00:27:14,960 --> 00:27:15,960
Speaker 1: some sacrifices.

558
00:27:16,480 --> 00:27:20,280
Speaker 3: I knew that my experience wasn't too far fetched from

559
00:27:20,280 --> 00:27:23,560
Speaker 3: what other entrepreneurs deal with or they have dealt with

560
00:27:23,600 --> 00:27:26,400
Speaker 3: in the past. So that's what really kept me going

561
00:27:26,440 --> 00:27:30,199
Speaker 3: to know that while this doesn't seem normal, it is normal. Like,

562
00:27:30,640 --> 00:27:34,800
Speaker 3: you know, entrepreneurship can be glamorized, and because I think

563
00:27:34,840 --> 00:27:39,760
Speaker 3: that many people just don't share that part of their story.

564
00:27:40,119 --> 00:27:42,600
Speaker 3: But having books, having people that I could call that

565
00:27:42,640 --> 00:27:46,080
Speaker 3: were also entrepreneurs to say, no, this is normal. And

566
00:27:46,200 --> 00:27:49,679
Speaker 3: even as I just mentioned, like for many business owners,

567
00:27:49,720 --> 00:27:52,680
Speaker 3: it takes like at least five years to really buying

568
00:27:52,760 --> 00:27:55,840
Speaker 3: their footing. I know that me now still playing the

569
00:27:55,880 --> 00:27:59,119
Speaker 3: way that I feel that's normal. So it's not like

570
00:27:59,200 --> 00:28:01,760
Speaker 3: you are losing your mind, Marshall, Like this should not

571
00:28:01,840 --> 00:28:04,240
Speaker 3: be this difficult for you, and it's not difficult.

572
00:28:04,680 --> 00:28:05,880
Speaker 2: It's just making sure.

573
00:28:05,720 --> 00:28:08,040
Speaker 3: That I don't feel like I've arrived at a place

574
00:28:08,080 --> 00:28:10,879
Speaker 3: that I know I haven't and there's still work to

575
00:28:10,920 --> 00:28:13,280
Speaker 3: be done and still a ton that I need to

576
00:28:13,359 --> 00:28:16,560
Speaker 3: learn before I just say, you know what, take your

577
00:28:16,560 --> 00:28:18,960
Speaker 3: foot off the pedal just a little bit, Marsha, and.

578
00:28:18,880 --> 00:28:20,760
Speaker 2: Just let this go for a smooth ride.

579
00:28:21,119 --> 00:28:23,920
Speaker 3: So what really helped me, Mandy is just knowing that

580
00:28:24,440 --> 00:28:27,760
Speaker 3: this is normal, staying, you know, keeping my head plug

581
00:28:27,840 --> 00:28:31,959
Speaker 3: into books, reading and hearing about different entrepreneurs and just

582
00:28:32,040 --> 00:28:34,600
Speaker 3: knowing how they started the challenges and saying, you know,

583
00:28:34,680 --> 00:28:37,000
Speaker 3: this was that was normal for them, This is normal

584
00:28:37,040 --> 00:28:38,880
Speaker 3: for me, and this is just part of the journey.

585
00:28:39,280 --> 00:28:42,120
Speaker 1: The emotional strain of it all, that that pressure. You know,

586
00:28:42,160 --> 00:28:43,800
Speaker 1: you put your money on the line. Your husband wasn't

587
00:28:43,800 --> 00:28:46,400
Speaker 1: even one hundred percent sort of supportive. I mean, I'm

588
00:28:46,440 --> 00:28:48,440
Speaker 1: sure he was because he loves you, he's your husband,

589
00:28:48,520 --> 00:28:51,640
Speaker 1: but you know he was sort of I'm sure you

590
00:28:51,680 --> 00:28:53,800
Speaker 1: felt that pressure of people looking at you like is

591
00:28:53,800 --> 00:28:57,360
Speaker 1: this gonna work? Is she gonna make this happen? What

592
00:28:57,440 --> 00:28:59,640
Speaker 1: was what was that like? And how did you take

593
00:28:59,680 --> 00:29:01,760
Speaker 1: care of like the emotional strain of all that.

594
00:29:02,280 --> 00:29:06,400
Speaker 3: Well, one I try to when I even do this now, Mandy,

595
00:29:06,560 --> 00:29:09,600
Speaker 3: is to block myself out, to say like who's watching,

596
00:29:10,280 --> 00:29:13,800
Speaker 3: to like who's watching to see if this fails? And

597
00:29:14,120 --> 00:29:16,560
Speaker 3: I took my place to I tak my mind to

598
00:29:16,600 --> 00:29:20,440
Speaker 3: a place of all that matters is or who matters

599
00:29:20,520 --> 00:29:22,560
Speaker 3: is the people that are in your household. And at

600
00:29:22,560 --> 00:29:25,160
Speaker 3: that time it was my husband and my son, and

601
00:29:25,200 --> 00:29:26,960
Speaker 3: now it's just my husband because our son.

602
00:29:26,920 --> 00:29:27,560
Speaker 2: Is in college.

603
00:29:28,000 --> 00:29:30,920
Speaker 3: But my goal was to make sure that our household

604
00:29:31,000 --> 00:29:35,080
Speaker 3: was still taken care of. And I would say that

605
00:29:34,640 --> 00:29:39,680
Speaker 3: that would be helpful for any entrepreneur, because entrepreneurship, Mandy,

606
00:29:39,720 --> 00:29:42,480
Speaker 3: can be very similar Like if you're looking around and

607
00:29:42,520 --> 00:29:44,760
Speaker 3: you're trying to compare up, it could be very similar

608
00:29:44,800 --> 00:29:46,560
Speaker 3: to now you're just trying to live like the Joneses.

609
00:29:46,960 --> 00:29:49,280
Speaker 3: So if you see one entrepreneur doing one thing, you're like,

610
00:29:49,320 --> 00:29:51,040
Speaker 3: oh my goodness, I want to do that too, because

611
00:29:51,040 --> 00:29:52,040
Speaker 3: I feel like it makes.

612
00:29:51,840 --> 00:29:52,760
Speaker 2: Them a lot of money.

613
00:29:53,040 --> 00:29:56,200
Speaker 3: So for me mentally, I would put myself in a

614
00:29:56,240 --> 00:29:59,920
Speaker 3: mind frame of all that matters is that my house

615
00:30:00,120 --> 00:30:04,080
Speaker 3: hold is taken care of. It wasn't like who will

616
00:30:04,120 --> 00:30:07,640
Speaker 3: think this will fail? Or like what does that stress

617
00:30:07,680 --> 00:30:11,040
Speaker 3: look like? But then again, I don't think that to

618
00:30:11,160 --> 00:30:15,480
Speaker 3: have that type of mind frame wasn't just the finance part.

619
00:30:15,520 --> 00:30:17,640
Speaker 3: I've been like that the majority of my life, Like

620
00:30:17,680 --> 00:30:20,040
Speaker 3: it's like it doesn't work, who cares?

621
00:30:20,040 --> 00:30:21,840
Speaker 2: Like? I blow it off because I'm just a.

622
00:30:21,960 --> 00:30:28,000
Speaker 3: Very focused centered what truly matters to my life? Who

623
00:30:28,120 --> 00:30:30,400
Speaker 3: really matters in my life? And that's just how and

624
00:30:30,400 --> 00:30:33,479
Speaker 3: that's how I handled it then, and that's kind of

625
00:30:33,760 --> 00:30:35,760
Speaker 3: how I handle it now. And I think for a

626
00:30:35,760 --> 00:30:38,520
Speaker 3: lot of entrepreneurs that's just really something to remember, is

627
00:30:38,520 --> 00:30:41,640
Speaker 3: that when we're trying to compare up or we're trying

628
00:30:41,680 --> 00:30:43,840
Speaker 3: to do what other people are trying to do, you

629
00:30:43,960 --> 00:30:47,440
Speaker 3: have to go back and sign yourself to say, like

630
00:30:47,960 --> 00:30:50,360
Speaker 3: why did I even do this in the first place, Like, yeah,

631
00:30:50,400 --> 00:30:52,800
Speaker 3: I want to help people, but I also.

632
00:30:52,600 --> 00:30:55,640
Speaker 2: Wanted more time with my son. That was leading for college.

633
00:30:56,080 --> 00:30:58,120
Speaker 3: I wanted to be the mom that says, like if

634
00:30:58,160 --> 00:31:00,479
Speaker 3: I want to go see him on a random Tuesday

635
00:31:00,520 --> 00:31:02,320
Speaker 3: and visit him at his college.

636
00:31:02,720 --> 00:31:03,440
Speaker 2: I can do that.

637
00:31:03,840 --> 00:31:07,160
Speaker 3: My husband was also preparing to retire from the military

638
00:31:07,200 --> 00:31:09,280
Speaker 3: at the time, so I wanted our life to be

639
00:31:09,320 --> 00:31:12,480
Speaker 3: a little bit different. Well, if he's leaping like the army,

640
00:31:13,040 --> 00:31:15,520
Speaker 3: now I'm also leaving something. So it was kind of

641
00:31:15,560 --> 00:31:18,400
Speaker 3: like both of us were in a transition of something

642
00:31:18,760 --> 00:31:21,600
Speaker 3: that would lend us more time with one another. So

643
00:31:21,760 --> 00:31:24,360
Speaker 3: that's my point of saying that a lot of things

644
00:31:24,440 --> 00:31:26,880
Speaker 3: I blocked out because it didn't matter to me because

645
00:31:26,920 --> 00:31:29,200
Speaker 3: I knew what was at my core, and that's that's

646
00:31:29,240 --> 00:31:31,520
Speaker 3: really how I handled it and I still to do

647
00:31:31,680 --> 00:31:32,680
Speaker 3: to this day because.

648
00:31:32,440 --> 00:31:33,680
Speaker 2: I know at the end of the day, that's all

649
00:31:33,720 --> 00:31:34,480
Speaker 2: that truly matters.

650
00:31:34,480 --> 00:31:54,880
Speaker 4: Anyway, Yeah, help me tell the people where they can

651
00:31:54,920 --> 00:31:56,680
Speaker 4: find the Finance Bar and.

652
00:31:58,880 --> 00:32:02,320
Speaker 1: Connect with you and uh get the get the Finance

653
00:32:02,360 --> 00:32:02,920
Speaker 1: Bar treatment.

654
00:32:03,560 --> 00:32:08,040
Speaker 2: Yeah. So the website is the Finance Bar. That's b

655
00:32:08,360 --> 00:32:08,880
Speaker 2: a r.

656
00:32:09,120 --> 00:32:13,800
Speaker 3: The Financebar dot com, the Finance Bar on social media

657
00:32:13,840 --> 00:32:19,280
Speaker 3: across all platforms, Facebook, Twitter, Instagram, Pinterest, all.

658
00:32:19,120 --> 00:32:21,000
Speaker 2: That good stuff. But if you go to the website,

659
00:32:21,040 --> 00:32:21,800
Speaker 2: you will find.

660
00:32:21,600 --> 00:32:25,000
Speaker 3: All the information about the members club, about the coaching suite,

661
00:32:25,480 --> 00:32:28,800
Speaker 3: about the mobile Hub, about the mobile app, everything that

662
00:32:28,880 --> 00:32:31,560
Speaker 3: I've mentioned here with Mandy, you can find all that

663
00:32:31,600 --> 00:32:33,160
Speaker 3: information on the website.

664
00:32:33,520 --> 00:32:35,840
Speaker 1: Thank you've been an amazing guest, and thank you so

665
00:32:35,920 --> 00:32:39,160
Speaker 1: much for for filling in for Miss Tiffany. Tiffany, we

666
00:32:39,200 --> 00:32:39,600
Speaker 1: love you.

667
00:32:39,680 --> 00:32:42,800
Speaker 2: Hope you feel we love you. I love myself, so.

668
00:32:44,640 --> 00:32:46,440
Speaker 1: She's gonna be so jealous when she finds out. I

669
00:32:46,440 --> 00:32:47,440
Speaker 1: guts to talk to you all night.

670
00:32:48,720 --> 00:32:48,760
Speaker 2: U