WEBVTT - Financial Dieting

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<v Speaker 1>Wind down and you're getting better and better at that.

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<v Speaker 1>You're just taking my role. There. I love it. So

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<v Speaker 1>here we are again, and we're going to start pretty

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<v Speaker 1>much every episode by plugging our own book because because

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<v Speaker 1>why not. Well, I'll say this. I was talking to

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<v Speaker 1>Bobby Bones the other day and it was so cool

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<v Speaker 1>because he acknowledged during the interview that pre orders are

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<v Speaker 1>so important for especially first time authors like us because

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<v Speaker 1>in order to make the you know, the New York

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<v Speaker 1>best time selling lists like it's um, they take into

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<v Speaker 1>account um the pre orders. But it's only that first week,

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<v Speaker 1>so you know, it's just so important to have people

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<v Speaker 1>pre order it. Um. That way we have a chance

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<v Speaker 1>at it maybe you know. Yeah, I mean so from

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<v Speaker 1>now until the time it's physically on aile is really

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<v Speaker 1>the most crucial time. Why buy it? Why buy it?

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<v Speaker 1>Great question, honey, UM buy it because it's funny and

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<v Speaker 1>it's real and it's You're gonna read things about us

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<v Speaker 1>that you haven't heard on this podcast, which is surprising.

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<v Speaker 1>But let's give him something. You're gonna hear. We talked

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<v Speaker 1>about this when we first introduced it last week, but

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<v Speaker 1>you're gonna hear you know, each chapter us starting off

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<v Speaker 1>with a story from our relationship of some kind of conflict,

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<v Speaker 1>some heavier than others, some super surface level and silly,

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<v Speaker 1>but some kind of conflict where we're almost positive that

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<v Speaker 1>majority of you out there that do read it will

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<v Speaker 1>kind of nod your head and be like, I've been there,

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<v Speaker 1>you know, in one end of the in either shoes

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<v Speaker 1>of that relationship, Like I feel like, you know, most

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<v Speaker 1>people and couple ships will be like yea that us

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<v Speaker 1>or yep, I'm this person, or what about if you're single?

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<v Speaker 1>If you're single, the same thing, because it's not just

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<v Speaker 1>about your current relationship, it's about relationships of your past.

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<v Speaker 1>But like, oh, I remember what I was dating so

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<v Speaker 1>and so, Like that was so us or I definitely

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<v Speaker 1>did that or he or she definitely was was that way.

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<v Speaker 1>And then going on from there, the tools that we

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<v Speaker 1>we talked about and that we've learned in our experience

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<v Speaker 1>can be things that anyone who's single right now can

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<v Speaker 1>use into their next relationship. Why did you want to

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<v Speaker 1>write a book? I feel like I'm interviewing you, I know, right,

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<v Speaker 1>bring it um. You know it took me a while.

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<v Speaker 1>It took me a while to get comfortable with the

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<v Speaker 1>idea because of the first Originally it was yours, like

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<v Speaker 1>we had kind of touched on where you had a

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<v Speaker 1>book you were going to write and tell things primarily

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<v Speaker 1>from your side. It was more about your life before us,

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<v Speaker 1>but then obviously the majority of it was the abusive relationship.

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<v Speaker 1>So once uh, you know, you kind of put that

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<v Speaker 1>thought in my head and started sharing d m s

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<v Speaker 1>with me and people's comments about you know, how the

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<v Speaker 1>little things we were saying at the time could be helpful,

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<v Speaker 1>and it has been helpful, it can be helpful. I

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<v Speaker 1>slowly started to see that silver lining. And it's taken

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<v Speaker 1>you know, the past year of us working on this

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<v Speaker 1>project to to get to where we feel like the

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<v Speaker 1>book is the best it can possibly possibly be. What's

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<v Speaker 1>one thing in the book where you still struggle with

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<v Speaker 1>maybe what you wrote because we wrote every word and

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<v Speaker 1>we're typing like we talk, and it's, uh, there's some

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<v Speaker 1>things why I even call myself out in the book

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<v Speaker 1>where I like, I feel like a little bit writing

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<v Speaker 1>this right now. I feel like an idiot. I feel

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<v Speaker 1>so stupid writing what I'm writing in this moment, and

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<v Speaker 1>I literally say that in the book, like I feel

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<v Speaker 1>so embarrassed right right right now writing this, but blah

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<v Speaker 1>blah blah blah blah blah blah blah. What do you mean?

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<v Speaker 1>Just the vulnerable feelings on my feeling a moment that

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<v Speaker 1>that made seem so like, that felt silly even me

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<v Speaker 1>writing it about it, I was like, God, looking back

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<v Speaker 1>on that, that was so stupid, that was so immature,

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<v Speaker 1>that was so whatever. But that's how it was in

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<v Speaker 1>that moment. So it was just you know, I mean, like,

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<v Speaker 1>is there one thing where like you read and you're like,

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<v Speaker 1>I have to do better at that? Oh yeah, I

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<v Speaker 1>mean a lot of it. I mean that's the thing

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<v Speaker 1>that you know, we gotta we gotta practice what we preached,

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<v Speaker 1>you know, significantly more consistently. And for me, it's being

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<v Speaker 1>consistent with my actions, always being honest and you know,

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<v Speaker 1>being soft and being empathetic and not being not getting

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<v Speaker 1>mean when I get angry. And so yeah, there's all

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<v Speaker 1>of it I can work on. I mean, there's no

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<v Speaker 1>one's gonna master parts of your relationship because I mean

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<v Speaker 1>I can say the same thing for me to like,

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<v Speaker 1>I you know, I should pause more or I should

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<v Speaker 1>you know, I'm very quick to to be triggered and

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<v Speaker 1>to you know, which is why I like the Pauls

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<v Speaker 1>should come first. And so it's funny like when you know,

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<v Speaker 1>because we're still editing certain things in our book and

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<v Speaker 1>we're still having to reread it, and it's so interesting,

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<v Speaker 1>like we we write it because we've been taught it,

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<v Speaker 1>but we still don't do it perfectly. And so sometimes

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<v Speaker 1>I'm like, well, how could we say this if we're

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<v Speaker 1>not even doing it perfect and so but I that's

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<v Speaker 1>just what I've come to find out that it's we're

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<v Speaker 1>will never do it perfectly. We'll just we just do

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<v Speaker 1>it better, right, I mean, therapists have therapists even when

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<v Speaker 1>our therapist is like yeah, I mean you know the

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<v Speaker 1>wife had that saying, I'm like, wait, so you still

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<v Speaker 1>have those like it doesn't just stop, like so like

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<v Speaker 1>this will continue to be the thing. But I think

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<v Speaker 1>hearing that kind of squashed any kind of reality in

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<v Speaker 1>my brain that it is normal. Even when I was

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<v Speaker 1>walking with one of my walking crew, it's like, oh

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<v Speaker 1>he yels like so it's it's almost like you you

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<v Speaker 1>imagine it humanizes almost like your relationship to and be

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<v Speaker 1>like oh okay, like all right, and then I'm like, well,

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<v Speaker 1>how often does he yell so, but it's just it's interesting,

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<v Speaker 1>how you know, you you there's things that we are

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<v Speaker 1>still trying to do better and learn from. But I

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<v Speaker 1>think it's great that we can still which is why

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<v Speaker 1>I asked you that because I know for me, I

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<v Speaker 1>looked back and I was like, oh, yeah, I can,

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<v Speaker 1>I can do better with do better with this um

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<v Speaker 1>and especially since we're I don't want to say teaching it,

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<v Speaker 1>but especially since we're giving the gift of what we've

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<v Speaker 1>been given to others, you know, hopefully they can they

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<v Speaker 1>can use those tools too. Yeah, And I think that's

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<v Speaker 1>a the whole point of it. The whole point of

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<v Speaker 1>this book is for people to realize that they aren't

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<v Speaker 1>just like you're saying, oh they he yells too or

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<v Speaker 1>you you know, it's that's the whole point of this book.

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<v Speaker 1>It's for people to not feel alone and the things

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<v Speaker 1>that they go through and the fact that we talked

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<v Speaker 1>about obviously have talked about so much of you know,

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<v Speaker 1>taboo subjects like infidelity and even things like infertility and

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<v Speaker 1>miscarriages and all of that. It's, you know, we talk

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<v Speaker 1>about all those things and you don't want to normalize that, like, oh,

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<v Speaker 1>it's just another thing you have to deal with. But again,

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<v Speaker 1>we're trying to give a gift of not feel alone. Sure,

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<v Speaker 1>and again for those people that you know, because I

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<v Speaker 1>had a lot of people reach out to me being like, well,

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<v Speaker 1>I'm single, I don't really think I need it. But

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<v Speaker 1>there's so many things, especially the communication chapter or um

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<v Speaker 1>being part of a team, or um, you know, cleaning

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<v Speaker 1>your side of the street, seting your side of the street,

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<v Speaker 1>which is huge, and like I was like, oh, I

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<v Speaker 1>wish I had this book when I was single, because

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<v Speaker 1>there's so many things that I maybe wouldn't have repeated

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<v Speaker 1>patterns and relationships. I would have looked in the mirror

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<v Speaker 1>and stopped, you know, even when it comes to like

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<v Speaker 1>my parents, Like I blamed my dad for so long,

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<v Speaker 1>Like it's not my dad, that's fault that like I

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<v Speaker 1>continue to do these things, it's my fault, Like yeah,

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<v Speaker 1>I might have seen certain things, but it's not like

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<v Speaker 1>it's and I just I wish I had that gift.

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<v Speaker 1>The two of the first chapters, Cleaning your Side of

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<v Speaker 1>the Street and Baggage are chapters that are perfect for

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<v Speaker 1>people that aren't even in relationships. It's perfect. It's obviously

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<v Speaker 1>perfect for people in relationships, but it's almost even better

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<v Speaker 1>for people that aren't, because these are two areas that

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<v Speaker 1>the more you know about cleaning your start of the street,

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<v Speaker 1>the more you acknowledge the baggage that you bring into

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<v Speaker 1>a relationship, that better prepared you are to be close

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<v Speaker 1>to and intimate with that person. Can you imagine the

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<v Speaker 1>gift you would have given. I mean, I feel like,

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<v Speaker 1>you know, well, yeah, never mind what nothing, No, I

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<v Speaker 1>I was just gonna say, to be able to do

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<v Speaker 1>your work before you get into the next relationship is

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<v Speaker 1>such a gift for the other person. Oh yeah, and yourself. Yeah,

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<v Speaker 1>and yourself because then you know, you know where this

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<v Speaker 1>stuff comes from. You know what you're going into the

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<v Speaker 1>table and what you have to deal with, and so

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<v Speaker 1>you're you're more emotionally stable for the relationship. But it

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<v Speaker 1>takes two. Look, we're we're just so excited about this

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<v Speaker 1>and we just hope you'll give it a chance because

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<v Speaker 1>we really think they could help a lot of people. Yeah, So, um,

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<v Speaker 1>go to Jana and Mike dot com to preorder your

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<v Speaker 1>copy and I we will personalize a copy if you

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<v Speaker 1>go to the Parnassis so Jana Mike dot com and

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<v Speaker 1>if you want a personalized copy. UM, click on the

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<v Speaker 1>Parnasis tub because we are supporting our local bookstore here

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<v Speaker 1>and they really needed those sales, and we got a

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<v Speaker 1>letter from the owner. Basically we saved essentially their store.

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<v Speaker 1>So we're just if we soldies just to that store

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<v Speaker 1>the first we're in the first weekend, but I think, um,

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<v Speaker 1>we want to reach out to any other bookstore. So

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<v Speaker 1>if you guys have any other bookstores that you know

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<v Speaker 1>might need the help, we definitely want to highlight some

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<v Speaker 1>other stores as well, just because especially during this time,

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<v Speaker 1>you know, people obviously aren't going to their local bookstores

0:10:11.400 --> 0:10:13.320
<v Speaker 1>and we know how easy it is to you know,

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<v Speaker 1>be able to just go online. So UM, if you

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<v Speaker 1>have any local bookstores that you guys want us to

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<v Speaker 1>shout out and um try to get our books in

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<v Speaker 1>there to uh have people pre order, let us know

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<v Speaker 1>and just go to the wind Down podcast and d

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<v Speaker 1>M S. Let's take a break and then let's talk

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<v Speaker 1>about our guests, all right, So we have Nicole lapin

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<v Speaker 1>coming on the show later today. Super excited about her.

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<v Speaker 1>She's the New York best selling author of Rich Bitch

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<v Speaker 1>and Boss Bitch. UM super excited to talk to her.

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<v Speaker 1>She's got a new book out right now called Becoming Superwoman.

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<v Speaker 1>So I'm gonna get my notepad and pen ready because

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<v Speaker 1>I'm super pumped about that. Anything new in your world, Michael,

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<v Speaker 1>I've just gotten too cycling. Yes, you did, for those

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<v Speaker 1>of those who for those of you who do not

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<v Speaker 1>follow Joanna on Instagram. So I was kind of that

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<v Speaker 1>and I've always kind of wanted to do it because

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<v Speaker 1>my joints are bad from playing football and it's it

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<v Speaker 1>kind of helps with you know, load bearing and stress

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<v Speaker 1>relief on your joints. But I really dove in, haven't I?

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<v Speaker 1>You have? Yeah? I mean you different outfits, survived every

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<v Speaker 1>day to the door, so you're really you're really going

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<v Speaker 1>for it. I like it, though, I mean, I'm proud

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<v Speaker 1>of you that you're, you know, you found something that

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<v Speaker 1>you really like to do and you're you've stuck to

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<v Speaker 1>it and it's been, you know, something for you that

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<v Speaker 1>you love, and you know, we've kind of like how

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<v Speaker 1>my walks are for me, and we've been able to

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<v Speaker 1>be like, okay, like when are you walking, When when

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<v Speaker 1>are you biking, and knowing that we both need that

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<v Speaker 1>for our sanity during this time because we're still practicing

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<v Speaker 1>the stay at home. Yeah, it's been good. Yeah, absolutely,

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<v Speaker 1>and I feel I know, I feel better too, because

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<v Speaker 1>you know, you would have your walks almost every day

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<v Speaker 1>or your workout time, and I wasn't as diligent on

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<v Speaker 1>my workout time, and it didn't really feel like I

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<v Speaker 1>was getting away. It was just in the garage. So

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<v Speaker 1>to be able to go out for an hour or

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<v Speaker 1>two hours and ride, you know, are we going to

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<v Speaker 1>two hours? Because I mean last week the like twenty

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<v Speaker 1>five miles I was, you know, I'm gonna have to

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<v Speaker 1>up my walk time then because look, hey, I don't

0:12:27.559 --> 0:12:29.560
<v Speaker 1>think I'm gonna be working to that like sixty seventy

0:12:29.600 --> 0:12:32.240
<v Speaker 1>five mile range where I'm going for like five hours.

0:12:32.240 --> 0:12:35.240
<v Speaker 1>But it's I've really enjoyed it, and it's one of

0:12:35.240 --> 0:12:39.160
<v Speaker 1>those things again I said, I I've always had an

0:12:39.240 --> 0:12:42.600
<v Speaker 1>interest in doing physically, and now I'm finally I'm finally

0:12:42.640 --> 0:12:46.840
<v Speaker 1>doing it. Is there anything like for you physically that man,

0:12:47.080 --> 0:12:49.679
<v Speaker 1>rock climbing has always been something or there's something like

0:12:49.760 --> 0:12:52.280
<v Speaker 1>that that you're kayaking on a regular basis that you've

0:12:52.320 --> 0:12:55.200
<v Speaker 1>always been intrigued by. I mean, I remember the last

0:12:55.200 --> 0:12:58.200
<v Speaker 1>time I went rock climbing. I went with this person

0:12:58.400 --> 0:13:01.160
<v Speaker 1>and I was just like crying the entire time because

0:13:01.160 --> 0:13:03.400
<v Speaker 1>I was like, please give me down because I was

0:13:03.440 --> 0:13:05.640
<v Speaker 1>so afraid the witch and mccaule thing was going to break.

0:13:06.320 --> 0:13:09.560
<v Speaker 1>But it was. I mean, it was fun, but not really. Um.

0:13:10.040 --> 0:13:11.959
<v Speaker 1>I love hiking, and you know how many times I'm

0:13:11.960 --> 0:13:14.079
<v Speaker 1>I was like, I want to hike out, Let's go hiking.

0:13:14.160 --> 0:13:17.320
<v Speaker 1>And so it's that's one thing that I really miss,

0:13:17.400 --> 0:13:20.120
<v Speaker 1>like not living in Los Angeles, because I just I

0:13:20.160 --> 0:13:24.160
<v Speaker 1>love going for hikes. So do you like glorified walking

0:13:24.240 --> 0:13:27.880
<v Speaker 1>hiking or do you like when we went to BlackBerry Farms,

0:13:28.520 --> 0:13:31.520
<v Speaker 1>you know in Tennessee, and that was awesome. We were

0:13:31.559 --> 0:13:34.040
<v Speaker 1>like straight up hands and knees. The incline was so steep.

0:13:34.280 --> 0:13:37.160
<v Speaker 1>That was a little mind. But I like like the

0:13:37.200 --> 0:13:39.920
<v Speaker 1>you know, the Percy Warner Hike here in Nashville, and

0:13:39.960 --> 0:13:42.880
<v Speaker 1>I just I love that because just to be in nature,

0:13:42.960 --> 0:13:45.480
<v Speaker 1>and I'm such an outdoor person like I I would

0:13:45.520 --> 0:13:47.800
<v Speaker 1>love to do that more often. It's just it's just

0:13:47.880 --> 0:13:50.120
<v Speaker 1>hard because again we're you know, we don't really have

0:13:50.240 --> 0:13:53.720
<v Speaker 1>the the help for that right now. For sure, I'll

0:13:53.720 --> 0:13:55.679
<v Speaker 1>be interested in on what other things are out there

0:13:55.720 --> 0:13:59.360
<v Speaker 1>that people have been interested in doing physically. That's just different.

0:14:00.160 --> 0:14:03.160
<v Speaker 1>I mean, I want to do um volleyball. How many

0:14:03.160 --> 0:14:05.520
<v Speaker 1>times have I said, like, I want to do sand

0:14:05.600 --> 0:14:08.160
<v Speaker 1>volleyball more often? Like if I could do a volleyball

0:14:08.200 --> 0:14:10.040
<v Speaker 1>game like once a week, I would be the happiest

0:14:10.040 --> 0:14:12.360
<v Speaker 1>person ever. Like, I just think it's so cool. That's

0:14:12.400 --> 0:14:15.440
<v Speaker 1>some good exercise, I know, And I'm really good at it.

0:14:15.920 --> 0:14:18.880
<v Speaker 1>I'm so good, so of course I want to do it.

0:14:19.040 --> 0:14:20.560
<v Speaker 1>You know, only wants to do things that she's going

0:14:20.600 --> 0:14:23.680
<v Speaker 1>to be the best at. That's not true. You're so competitive. No,

0:14:23.720 --> 0:14:26.160
<v Speaker 1>I'm just competitive. I'm really not that good. Actually, I'm

0:14:26.200 --> 0:14:30.280
<v Speaker 1>like the shortest person, so I can't spike for ship. Yeah,

0:14:30.360 --> 0:14:34.920
<v Speaker 1>but your good support. I'm a good cheerleader. Um. Yeah,

0:14:35.080 --> 0:14:39.000
<v Speaker 1>how's the mental game? How are you mentally? Mentally? Huh

0:14:39.160 --> 0:14:45.760
<v Speaker 1>what a deep question. Um, I'm good. I'm good. Um

0:14:45.840 --> 0:14:49.400
<v Speaker 1>it's I think I'm just hitting a routine. Like we're

0:14:49.480 --> 0:14:51.480
<v Speaker 1>kind of in our routine. We're kind of you know,

0:14:51.560 --> 0:14:54.280
<v Speaker 1>days blend together, but we're doing our thing we have.

0:14:55.400 --> 0:14:58.480
<v Speaker 1>You know, we're rving up to michigandist to your family

0:14:58.560 --> 0:15:01.240
<v Speaker 1>for the fourth of July, and so we're looking forward

0:15:01.240 --> 0:15:02.600
<v Speaker 1>to that that's kind of like the light at the

0:15:02.640 --> 0:15:04.560
<v Speaker 1>end of the tunnel. I think right now, for me mentally,

0:15:05.080 --> 0:15:06.800
<v Speaker 1>we're in another month, We're going to be hitting the

0:15:06.880 --> 0:15:08.480
<v Speaker 1>road and just kind of getting out of dodge for

0:15:08.480 --> 0:15:12.560
<v Speaker 1>a little bit. Yeah, what about you. Yeah, I mean

0:15:12.600 --> 0:15:15.040
<v Speaker 1>I think I I go into waves like I'm bummed

0:15:15.120 --> 0:15:17.360
<v Speaker 1>that you know, we're probably not going to have I'm

0:15:17.360 --> 0:15:19.600
<v Speaker 1>just I'm bummed on the missed opportunities of this year.

0:15:20.000 --> 0:15:25.680
<v Speaker 1>Um because again, like those things don't come around as often,

0:15:25.840 --> 0:15:28.160
<v Speaker 1>like the movie and things like that, and you know,

0:15:28.320 --> 0:15:31.480
<v Speaker 1>just I mean financially everyone's kind of in well not everyone,

0:15:31.480 --> 0:15:34.080
<v Speaker 1>but the people that you know, our entertainers and stuff,

0:15:34.120 --> 0:15:37.320
<v Speaker 1>and you know, beyond entertainment, there's a lot of people

0:15:37.360 --> 0:15:39.200
<v Speaker 1>that are struggling right now. So I you know, we

0:15:39.320 --> 0:15:42.400
<v Speaker 1>can't complain, you know, because we we we can still

0:15:42.440 --> 0:15:44.600
<v Speaker 1>do this and other things. But I think just having

0:15:44.600 --> 0:15:47.840
<v Speaker 1>those like missed opportunities has been has just been a

0:15:47.840 --> 0:15:52.800
<v Speaker 1>bummer for um. And like the tour and um, you know,

0:15:52.840 --> 0:15:55.160
<v Speaker 1>all of that has been just something where it's kind

0:15:55.160 --> 0:15:57.560
<v Speaker 1>of like that stinks. And so some days I think

0:15:57.600 --> 0:15:59.040
<v Speaker 1>about it and then it kind of gets me down.

0:15:59.160 --> 0:16:03.000
<v Speaker 1>But but then I positively think, Okay, well, look how

0:16:03.040 --> 0:16:05.320
<v Speaker 1>much time because I remember in the beginning of the year,

0:16:06.400 --> 0:16:09.640
<v Speaker 1>I started to have massive anxiety. Remember I said, every

0:16:09.680 --> 0:16:12.960
<v Speaker 1>single weekend I'm going to be gone, whether it's a

0:16:13.040 --> 0:16:16.840
<v Speaker 1>wine down, or it's the movie or it's a show

0:16:16.880 --> 0:16:18.480
<v Speaker 1>on the road. I was going to be gone almost

0:16:18.520 --> 0:16:22.120
<v Speaker 1>every single years, every weekend except for one every month.

0:16:22.440 --> 0:16:24.320
<v Speaker 1>It's like three weekends out of every month, you're gonna

0:16:24.320 --> 0:16:28.720
<v Speaker 1>be gone. Yeah. Like, I just started to have like

0:16:28.800 --> 0:16:30.720
<v Speaker 1>anxiety about it. And then you know, me and my

0:16:30.760 --> 0:16:33.240
<v Speaker 1>girls had planned a trip together one of those weekends,

0:16:33.280 --> 0:16:35.120
<v Speaker 1>and I was like, I didn't remember I told you.

0:16:35.160 --> 0:16:37.040
<v Speaker 1>I was like, I'm going to cancel it because I can't.

0:16:37.160 --> 0:16:39.480
<v Speaker 1>I can't be away from the kids this much. And now,

0:16:39.720 --> 0:16:41.120
<v Speaker 1>you know, I think that was like all right, it's

0:16:41.160 --> 0:16:46.920
<v Speaker 1>like I'm taking it all away. You're complaining, I'll take

0:16:46.960 --> 0:16:52.560
<v Speaker 1>it all What's completely off subject. But again, people follow

0:16:52.600 --> 0:16:55.200
<v Speaker 1>you know that we like to play games. What's a

0:16:55.280 --> 0:16:57.920
<v Speaker 1>favorite game that we've played kind of during this this

0:16:58.000 --> 0:17:01.120
<v Speaker 1>break that you've just really enjoyed. I mean, Cube is

0:17:01.160 --> 0:17:04.560
<v Speaker 1>always a good one. And then I just like the

0:17:04.600 --> 0:17:09.640
<v Speaker 1>easiness and the fastness of Mencola. Yeah, it's just it's

0:17:09.680 --> 0:17:12.040
<v Speaker 1>just easy. It's just like, let's throw some like the

0:17:12.240 --> 0:17:15.160
<v Speaker 1>little pepples in some little holes. Yeah, it's like that's

0:17:15.160 --> 0:17:18.760
<v Speaker 1>just fun. Yeah, so it's easy, it's sinless. There's no

0:17:18.880 --> 0:17:21.080
<v Speaker 1>real thinking about it. No, it's just I like that

0:17:21.119 --> 0:17:23.680
<v Speaker 1>one that just in the middle of games. And then yeah,

0:17:23.760 --> 0:17:26.399
<v Speaker 1>Ronnie Cube's obviously one of my faiths for that. And

0:17:26.440 --> 0:17:29.960
<v Speaker 1>then I really want to play Frutigo again. Gina wants

0:17:29.960 --> 0:17:33.280
<v Speaker 1>to play Strategic Strtigo because she would my ask the

0:17:33.320 --> 0:17:35.199
<v Speaker 1>first time we played it. She never even heard of

0:17:35.200 --> 0:17:36.680
<v Speaker 1>the game. I used to play it as a kid

0:17:36.840 --> 0:17:39.280
<v Speaker 1>all the time with my best friend growing up, Eric,

0:17:40.040 --> 0:17:42.640
<v Speaker 1>and we played all the time. And I bring it out, like, Jenna,

0:17:42.680 --> 0:17:44.960
<v Speaker 1>you're gonna love this game. She's like, fine, I'll play

0:17:45.000 --> 0:17:47.480
<v Speaker 1>it with you. Whoops, my ass. She's like, let's play again.

0:17:47.840 --> 0:17:51.080
<v Speaker 1>We have not played since, so we need to. I

0:17:51.080 --> 0:17:53.480
<v Speaker 1>guess do that. Hey, what book are you reading right

0:17:53.520 --> 0:17:55.879
<v Speaker 1>now in your morning meditation time? How to be an

0:17:55.880 --> 0:18:00.440
<v Speaker 1>adult in a relationship? Really? What are you learning? Tell

0:18:00.480 --> 0:18:06.879
<v Speaker 1>me more? Um, it's right now because I started it

0:18:06.920 --> 0:18:10.439
<v Speaker 1>before I started uh and respect, love and respect. So

0:18:10.480 --> 0:18:14.080
<v Speaker 1>I've been recapping some things and a lot of it's

0:18:14.119 --> 0:18:18.320
<v Speaker 1>redundant with you know. Uh, there's he does like the

0:18:18.320 --> 0:18:26.359
<v Speaker 1>five a's is like accountability, acknowledge, acceptance, awareness, and I

0:18:26.359 --> 0:18:28.720
<v Speaker 1>don't remember the fifth one, but he's just talking about

0:18:28.760 --> 0:18:31.280
<v Speaker 1>all of those like within your relationship and kind of

0:18:31.320 --> 0:18:35.080
<v Speaker 1>how you know you you It's it's his way of

0:18:35.160 --> 0:18:39.399
<v Speaker 1>kind of saying owning your side, like controlling what you

0:18:39.440 --> 0:18:44.000
<v Speaker 1>can control. Um. So I'm I'm looking forward to diving

0:18:44.000 --> 0:18:46.600
<v Speaker 1>deeper into that book and reading new, newer stuff that

0:18:47.920 --> 0:18:50.280
<v Speaker 1>no new stuff yet, no, because I didn't. I wanted

0:18:50.280 --> 0:18:53.320
<v Speaker 1>to make sure I didn't skip anything like just really skim,

0:18:53.359 --> 0:18:54.960
<v Speaker 1>you know. So I wanted to make sure I'm still

0:18:55.000 --> 0:18:59.600
<v Speaker 1>grasping the concept of the things I've read. Anything stick out, nothing,

0:18:59.680 --> 0:19:02.200
<v Speaker 1>nothing right now, nothing that we haven't talked about, Nothing

0:19:02.240 --> 0:19:06.040
<v Speaker 1>that's that's really new, especially stuff that I've that we've

0:19:06.040 --> 0:19:08.639
<v Speaker 1>brought up before. So but I'll be in touch with

0:19:08.720 --> 0:19:11.240
<v Speaker 1>you all about what I'm learning and how to be

0:19:11.280 --> 0:19:13.960
<v Speaker 1>an adult in a relationship. All right, We're gonna take

0:19:13.960 --> 0:19:16.159
<v Speaker 1>one more break before we have a Nicole lapping on

0:19:16.359 --> 0:19:30.879
<v Speaker 1>and talking to her about everything she's got going. All right,

0:19:30.920 --> 0:19:33.800
<v Speaker 1>Jane and I are so excited to have our next guest.

0:19:33.920 --> 0:19:36.480
<v Speaker 1>She is a New York Times bestselling author of the

0:19:36.520 --> 0:19:38.919
<v Speaker 1>books Rich Bitch and Boss Bitch, and now she's on

0:19:39.000 --> 0:19:40.920
<v Speaker 1>to promote her third book, which she's gonna tell you

0:19:41.000 --> 0:19:46.919
<v Speaker 1>all about. Welcome Nicole Lapping. Hey girl, hey lady. You

0:19:46.960 --> 0:19:49.240
<v Speaker 1>know we were on the Doctors together. I don't know

0:19:49.280 --> 0:19:51.199
<v Speaker 1>if you remember. I was like a segment after you,

0:19:51.320 --> 0:19:54.919
<v Speaker 1>and then I was hosting Founder Made and we reconnected her.

0:19:55.040 --> 0:19:57.000
<v Speaker 1>Oh that's right, that's right, that's you know, I look

0:19:57.080 --> 0:20:01.840
<v Speaker 1>like a homeless person now, but when I no, no no same,

0:20:01.920 --> 0:20:03.960
<v Speaker 1>I've no makeup, just got out of the shower. So

0:20:04.160 --> 0:20:06.840
<v Speaker 1>this is this is the new the new look. But no, yes,

0:20:06.880 --> 0:20:12.200
<v Speaker 1>absolutely remember um? And so how Rich Bitch and Boss Bitch?

0:20:12.359 --> 0:20:16.040
<v Speaker 1>How when did those come out? Rich Witch was my

0:20:16.080 --> 0:20:18.359
<v Speaker 1>first book, and now we're on the fourth edition, which

0:20:18.480 --> 0:20:22.800
<v Speaker 1>is bananas because people still keep buying it. You know,

0:20:23.040 --> 0:20:25.200
<v Speaker 1>there is not a resetta stone for finance, and I

0:20:25.200 --> 0:20:27.000
<v Speaker 1>think a lot of women want to get their financial

0:20:27.000 --> 0:20:30.080
<v Speaker 1>lives together, but it's really complicated with the jargon in

0:20:30.119 --> 0:20:32.879
<v Speaker 1>the language. So that actually out six years ago. Then

0:20:32.960 --> 0:20:36.480
<v Speaker 1>Boss which came out after that, then Becoming Superwoman came out,

0:20:36.760 --> 0:20:39.960
<v Speaker 1>and I may be birthing more book babies. No actual

0:20:40.040 --> 0:20:43.840
<v Speaker 1>babies yet, just a lot of book babies. I like

0:20:43.960 --> 0:20:45.720
<v Speaker 1>and I know I love it. How did you get

0:20:45.760 --> 0:20:48.200
<v Speaker 1>into the whole like with rich bitch? Like, how did

0:20:48.200 --> 0:20:51.560
<v Speaker 1>you start off, like, you know, basically becoming that rich bitch?

0:20:52.480 --> 0:20:55.840
<v Speaker 1>So I grew up in an immigrant family, first generation American,

0:20:55.920 --> 0:20:59.320
<v Speaker 1>just use cash, had like a super broken home, needed

0:20:59.400 --> 0:21:02.360
<v Speaker 1>to start working early on, and I just needed a job,

0:21:02.400 --> 0:21:04.960
<v Speaker 1>and I wanted to be in TV news, So you

0:21:05.000 --> 0:21:07.000
<v Speaker 1>go back in the day there was like no skipping

0:21:07.000 --> 0:21:09.800
<v Speaker 1>steps on YouTube and whatever. Like. I went to small

0:21:09.840 --> 0:21:13.560
<v Speaker 1>markets in South Dakota and Kentucky and tried to work

0:21:13.560 --> 0:21:16.159
<v Speaker 1>my way up, and I got a job as a

0:21:16.280 --> 0:21:19.000
<v Speaker 1>business news reporter and they asked me if I knew

0:21:19.000 --> 0:21:23.040
<v Speaker 1>anything about business, and I totally on live and I

0:21:23.080 --> 0:21:26.200
<v Speaker 1>said absolutely. And I faked it till I made it.

0:21:26.280 --> 0:21:29.280
<v Speaker 1>And I realized that money is just language like anything else.

0:21:29.720 --> 0:21:31.639
<v Speaker 1>And if you go to China you don't seech Chinese,

0:21:31.680 --> 0:21:33.560
<v Speaker 1>you'll be super confused. And if you go to wall Stream,

0:21:33.560 --> 0:21:35.919
<v Speaker 1>you don't speak the language with money, you'll be super confused.

0:21:36.280 --> 0:21:38.760
<v Speaker 1>But once I figured it out, and I'm the least

0:21:38.760 --> 0:21:40.520
<v Speaker 1>likely person to do it, like I didn't want to

0:21:40.520 --> 0:21:43.520
<v Speaker 1>do anything with money. Guys, my boyfriend in high school

0:21:43.760 --> 0:21:45.359
<v Speaker 1>said he wanted to be a hedge fund manager. I

0:21:45.359 --> 0:21:49.000
<v Speaker 1>thought you wanted to be gardening. So like, I'm extremely

0:21:49.160 --> 0:21:52.280
<v Speaker 1>I was extremely clueless. I love it. And then now

0:21:52.400 --> 0:21:56.840
<v Speaker 1>your book Becoming Superwoman, So what's it says is it's

0:21:56.840 --> 0:21:59.480
<v Speaker 1>simple twelve step planned to go from burnout to balance.

0:21:59.520 --> 0:22:01.399
<v Speaker 1>So tell me, like, tell me all of that, Like

0:22:01.440 --> 0:22:03.920
<v Speaker 1>how how did you get to the book? Like? How

0:22:03.920 --> 0:22:06.600
<v Speaker 1>do I become a superwoman? What do I have to do? Do?

0:22:06.640 --> 0:22:09.120
<v Speaker 1>I write an S on my chest like what? What?

0:22:09.119 --> 0:22:12.040
<v Speaker 1>What telled me? All the ways? I am here for that?

0:22:12.119 --> 0:22:14.280
<v Speaker 1>And by the way, you already are a superwoman and

0:22:14.400 --> 0:22:18.320
<v Speaker 1>a total boss this um So I ended up getting

0:22:18.359 --> 0:22:21.800
<v Speaker 1>to network news way earlier than I expected as an

0:22:21.800 --> 0:22:24.840
<v Speaker 1>a gru on CNN and then CNBC and Bloomberg, and

0:22:25.359 --> 0:22:28.480
<v Speaker 1>I worked and self prescribed, not drugs or alcohol, but

0:22:28.560 --> 0:22:31.840
<v Speaker 1>work to hide from that really traumatic upbringing I had.

0:22:32.080 --> 0:22:36.720
<v Speaker 1>And I ultimately, you know, worked and work some more

0:22:36.760 --> 0:22:39.080
<v Speaker 1>and it kicks my butt. And I had a mental emotional,

0:22:39.080 --> 0:22:42.920
<v Speaker 1>physical breakdown that stemmed from severe burnout and an emergency

0:22:42.960 --> 0:22:45.520
<v Speaker 1>itatements to the hospital that made me rethink everything and

0:22:45.560 --> 0:22:48.480
<v Speaker 1>how I was working, And at that moment, I realized

0:22:48.520 --> 0:22:50.679
<v Speaker 1>I was trying to be Superwoman, the character with a

0:22:50.720 --> 0:22:52.560
<v Speaker 1>one word version who tries to do it all and

0:22:52.600 --> 0:22:54.120
<v Speaker 1>be it all and be all things to all people,

0:22:54.160 --> 0:22:57.520
<v Speaker 1>so ultimately she's nothing to herself. And I wanted to

0:22:57.600 --> 0:23:00.000
<v Speaker 1>just be a super space woman, a woman who puts

0:23:00.080 --> 0:23:03.280
<v Speaker 1>or oxygen mask on first before helping others. So how

0:23:03.320 --> 0:23:05.480
<v Speaker 1>do you do it? Though? Like tell me, like what,

0:23:05.760 --> 0:23:08.679
<v Speaker 1>like what's the first step in in in doing that

0:23:08.720 --> 0:23:10.520
<v Speaker 1>and finding that balance? Because I feel like right now

0:23:10.560 --> 0:23:15.040
<v Speaker 1>this book is an amazing time for COVID because I

0:23:15.080 --> 0:23:17.719
<v Speaker 1>feel like a lot of us feel burnt you know,

0:23:18.000 --> 0:23:21.480
<v Speaker 1>we feel that burntout feeling, and I feel like this

0:23:21.560 --> 0:23:25.359
<v Speaker 1>is coming at the best time to almost reinvent yourself

0:23:25.720 --> 0:23:28.480
<v Speaker 1>through all the burnout totally. And the first step is

0:23:28.520 --> 0:23:30.719
<v Speaker 1>always admitting you have a problem. All my books are

0:23:30.760 --> 0:23:33.520
<v Speaker 1>twelve step plans because that is the first step, you know.

0:23:33.760 --> 0:23:36.000
<v Speaker 1>I did the lads of study ever done on women

0:23:36.040 --> 0:23:38.880
<v Speaker 1>and burnout, and I found that women are reaching burnout

0:23:38.880 --> 0:23:42.040
<v Speaker 1>and breakdown levels in the eighty and ninety ranges, but

0:23:42.160 --> 0:23:44.960
<v Speaker 1>only half of us think that that's the problem. So

0:23:45.280 --> 0:23:49.280
<v Speaker 1>there's a huge difference between actually swimming and just not drowning.

0:23:49.560 --> 0:23:52.640
<v Speaker 1>And so we're saying like, oh, it's overwhelming, but it's cool,

0:23:52.680 --> 0:23:55.560
<v Speaker 1>nothing to see. We just can keep going. And that's

0:23:55.600 --> 0:23:58.440
<v Speaker 1>where the issue lies. And I think now when we're

0:23:58.480 --> 0:24:01.520
<v Speaker 1>trying to figure out this new noise normal and boundaries

0:24:01.560 --> 0:24:03.879
<v Speaker 1>and balanced here you know, as you guys know, the

0:24:03.880 --> 0:24:06.479
<v Speaker 1>whole day can be really chaotic, but your morning and

0:24:06.560 --> 0:24:10.159
<v Speaker 1>evening routines are what you can control. So you know,

0:24:10.240 --> 0:24:13.359
<v Speaker 1>if you start your day off with gratitude and not

0:24:13.440 --> 0:24:17.760
<v Speaker 1>going down email fire fighting rabbit hole, it changes the

0:24:17.800 --> 0:24:21.359
<v Speaker 1>course of your day. Um. Studies have shown that, you know,

0:24:21.480 --> 0:24:24.760
<v Speaker 1>gratitude helps us actually look for more of that throughout

0:24:24.760 --> 0:24:26.400
<v Speaker 1>the day. And then at the end of the day.

0:24:26.440 --> 0:24:29.040
<v Speaker 1>I used to think, like, how am I never able

0:24:29.080 --> 0:24:31.399
<v Speaker 1>to sleep well? Hello, Captain obvious? Maybe it was because

0:24:31.400 --> 0:24:34.480
<v Speaker 1>I shined a bright light of my phone in front

0:24:34.520 --> 0:24:37.919
<v Speaker 1>of my eyeball, um until I fell asleep. So I

0:24:37.960 --> 0:24:40.119
<v Speaker 1>think that those are what we can control. Like, we

0:24:40.160 --> 0:24:43.359
<v Speaker 1>can't control the global economy it's bad, um, but we

0:24:43.400 --> 0:24:45.840
<v Speaker 1>can control ourselves and our own economy is that's all

0:24:45.880 --> 0:24:48.160
<v Speaker 1>we can control. And any relationship, by the way, you're

0:24:48.160 --> 0:24:51.400
<v Speaker 1>only responsible you can only control of that fifty when

0:24:51.400 --> 0:24:54.320
<v Speaker 1>that's you. So your book so it focuses on on

0:24:54.400 --> 0:24:58.399
<v Speaker 1>life balance, but also financial balance as well. Absolutely, And

0:24:58.440 --> 0:25:01.520
<v Speaker 1>I think the trick is to figure out what the

0:25:01.560 --> 0:25:04.920
<v Speaker 1>definition of balances because a bunch of ladies in particular

0:25:04.960 --> 0:25:07.360
<v Speaker 1>will say like, I'm lost balance or I'm most budget.

0:25:07.400 --> 0:25:10.480
<v Speaker 1>I'm like, bro, did you even have a budget? You

0:25:10.720 --> 0:25:13.280
<v Speaker 1>even have a definition of balance? Or are you just

0:25:13.320 --> 0:25:16.639
<v Speaker 1>comparing yourselves to other ladies on Instagram who are baking

0:25:16.720 --> 0:25:19.280
<v Speaker 1>banana bread and feeling bad about yourself? But like, is

0:25:19.320 --> 0:25:23.120
<v Speaker 1>that's not on your definition of balance, then like, then

0:25:23.119 --> 0:25:25.920
<v Speaker 1>don't feel bad about yourself. That's maybe that ladies definitions.

0:25:25.960 --> 0:25:28.520
<v Speaker 1>But first I think it's important to figure out what

0:25:28.600 --> 0:25:30.920
<v Speaker 1>that looks like to you and stop changing the bar

0:25:31.080 --> 0:25:33.240
<v Speaker 1>because for so long in my career I felt like

0:25:33.280 --> 0:25:35.080
<v Speaker 1>I would be happy or I would be balanced when

0:25:35.119 --> 0:25:38.080
<v Speaker 1>I got there a certain job or a certain salary,

0:25:38.200 --> 0:25:40.840
<v Speaker 1>And then I got there and there was almost immediately

0:25:40.880 --> 0:25:43.720
<v Speaker 1>another there there, and so we keep changing the old

0:25:43.760 --> 0:25:47.080
<v Speaker 1>posts on ourselves. I do have a question too about

0:25:47.240 --> 0:25:49.399
<v Speaker 1>kind of the times right now. Is there a financial

0:25:49.440 --> 0:25:54.000
<v Speaker 1>mistake that people might be making right now? During COVID times?

0:25:54.040 --> 0:25:57.680
<v Speaker 1>A lot, and I am I've never worked so hard. Actually,

0:25:57.800 --> 0:26:00.720
<v Speaker 1>it's like a financial new super Bowl right now because

0:26:01.280 --> 0:26:04.359
<v Speaker 1>women in particular care because we're reactive in that nature.

0:26:04.400 --> 0:26:07.040
<v Speaker 1>It's hard to get you to care about finances proactively,

0:26:07.080 --> 0:26:10.480
<v Speaker 1>but now everybody has to. And so you know, pulling

0:26:10.480 --> 0:26:12.560
<v Speaker 1>out of the market, for instance, whether it's with your

0:26:12.600 --> 0:26:16.840
<v Speaker 1>retirement fund or your investments, is all emotional, right, And

0:26:17.040 --> 0:26:21.080
<v Speaker 1>there's two adages on wall streets that are true. Everything

0:26:21.080 --> 0:26:23.840
<v Speaker 1>else is subjective. One of them is by low sell high.

0:26:24.040 --> 0:26:26.520
<v Speaker 1>So right now things are more towards the low than

0:26:26.560 --> 0:26:29.720
<v Speaker 1>the high. Stuff is on sale. So instead of pulling out,

0:26:30.080 --> 0:26:33.280
<v Speaker 1>I think the biggest mistake, um is not actually putting

0:26:33.280 --> 0:26:36.760
<v Speaker 1>more in if you can. So, so to put more

0:26:36.800 --> 0:26:40.359
<v Speaker 1>in is is the right thing to do if you

0:26:40.520 --> 0:26:43.480
<v Speaker 1>have a long term investment horizon, so if you're not

0:26:43.520 --> 0:26:45.840
<v Speaker 1>retiring in the next five or ten years, and if

0:26:45.840 --> 0:26:47.960
<v Speaker 1>you're not putting all your money in there and your

0:26:48.000 --> 0:26:51.320
<v Speaker 1>dollar cost averaging, which is fancy terminology for just putting

0:26:51.320 --> 0:26:52.920
<v Speaker 1>in a little bits at a time to hedge for

0:26:52.960 --> 0:26:55.280
<v Speaker 1>all the fluctuations. And it is a great time, and

0:26:55.320 --> 0:26:58.840
<v Speaker 1>great fortunes have been made during tough economic times. Recessions

0:26:58.840 --> 0:27:01.680
<v Speaker 1>and depressions and economic downturn. With that said, though, too,

0:27:02.000 --> 0:27:06.480
<v Speaker 1>what about refinancing your house? So if you can refinance,

0:27:06.560 --> 0:27:08.800
<v Speaker 1>this would be an awesome time to do it. Are

0:27:08.800 --> 0:27:10.960
<v Speaker 1>you guys thinking about that? Well, I mean we got that,

0:27:11.000 --> 0:27:13.040
<v Speaker 1>we got a great rate, but I know that we

0:27:13.040 --> 0:27:17.040
<v Speaker 1>could actually even get lower now. Um. So I was

0:27:17.080 --> 0:27:19.280
<v Speaker 1>just wondering if that's something where it would only be

0:27:19.359 --> 0:27:22.040
<v Speaker 1>like a point something off, It wouldn't be an actual

0:27:22.040 --> 0:27:24.680
<v Speaker 1>whole number down. So is that is that worth it

0:27:24.920 --> 0:27:28.760
<v Speaker 1>or no? Girl? Absolutely a point something. I don't say,

0:27:28.800 --> 0:27:32.159
<v Speaker 1>I know nothing about like the you know, Michael's the

0:27:32.880 --> 0:27:35.520
<v Speaker 1>you know he's he's the thirty year fixed and I'm like,

0:27:35.600 --> 0:27:38.320
<v Speaker 1>let's do five. And because because I'm always looking at

0:27:38.320 --> 0:27:41.359
<v Speaker 1>the lower number, like of you know, the mortgage, and

0:27:41.400 --> 0:27:45.679
<v Speaker 1>I'm I'm not as much. Um, so, okay, that's interesting.

0:27:45.840 --> 0:27:50.520
<v Speaker 1>I'll have to call. Oftentimes we end up spending double

0:27:50.640 --> 0:27:53.160
<v Speaker 1>the amount we paid for our house just in interest.

0:27:53.320 --> 0:27:56.040
<v Speaker 1>So if you can point something per sentially, if you

0:27:56.040 --> 0:27:58.040
<v Speaker 1>can have a calculator, girl, that is going to turn

0:27:58.040 --> 0:27:59.840
<v Speaker 1>out to be a lot of money. And by the

0:28:00.240 --> 0:28:03.320
<v Speaker 1>some folks are refinancing lower because back in the day,

0:28:03.400 --> 0:28:05.920
<v Speaker 1>like our parents would think you know, six percent is

0:28:05.960 --> 0:28:09.920
<v Speaker 1>an awesome mortgage. Now that sounds really high, and even

0:28:09.960 --> 0:28:12.520
<v Speaker 1>if you spend more on your monthly payments, but you

0:28:12.560 --> 0:28:15.119
<v Speaker 1>shorten the term, that could really be great in the

0:28:15.119 --> 0:28:18.960
<v Speaker 1>long run. Never been this blow even if it's like

0:28:19.000 --> 0:28:24.159
<v Speaker 1>a point to difference. Girl like like, I like, I

0:28:24.240 --> 0:28:26.960
<v Speaker 1>know nothing. So that's why I'm like, because I would think, like, Okay,

0:28:27.040 --> 0:28:29.240
<v Speaker 1>let's say if a mortgage rate was four six and

0:28:29.240 --> 0:28:32.000
<v Speaker 1>you can get it for three six, Like that's different

0:28:32.000 --> 0:28:34.040
<v Speaker 1>to me, Like that's because that's a one percent difference.

0:28:34.080 --> 0:28:35.680
<v Speaker 1>But I didn't know if like a point something would

0:28:35.720 --> 0:28:39.000
<v Speaker 1>make a difference. If it's like ask a question if

0:28:39.040 --> 0:28:41.120
<v Speaker 1>I was like, hey, can I give you a hundred

0:28:41.160 --> 0:28:44.120
<v Speaker 1>dollars or a thousand dollars and you're like, I'm not

0:28:44.120 --> 0:28:47.120
<v Speaker 1>gonna take the hundred dollars because not a thousand dollars? Okay,

0:28:47.520 --> 0:28:50.800
<v Speaker 1>point maybe okay, got it. I'm gonna we're going to

0:28:50.880 --> 0:28:52.960
<v Speaker 1>call the business manager as soon as we're all alright.

0:28:53.040 --> 0:28:55.600
<v Speaker 1>Speaking of money and everything, you have this money school

0:28:55.680 --> 0:28:58.000
<v Speaker 1>challenge they're talking about. Tell us about that in our

0:28:58.040 --> 0:29:02.479
<v Speaker 1>listeners as well. These are challenging times, of course, and

0:29:02.680 --> 0:29:04.640
<v Speaker 1>you know we have so many questions about how to

0:29:04.680 --> 0:29:07.320
<v Speaker 1>save money. I had to budget money, how to make money,

0:29:07.600 --> 0:29:10.160
<v Speaker 1>and so I put together my money master class, which

0:29:10.200 --> 0:29:12.040
<v Speaker 1>is called the Money School. I was so tired for

0:29:12.160 --> 0:29:13.880
<v Speaker 1>years and years and years saying like, why don't we

0:29:13.960 --> 0:29:16.040
<v Speaker 1>learn that stuff in school? We learned such ads, stuff

0:29:16.080 --> 0:29:18.720
<v Speaker 1>like as you guys know and you probably homeschool, Like,

0:29:18.800 --> 0:29:21.120
<v Speaker 1>so why do we need to know geometry and the

0:29:21.160 --> 0:29:23.080
<v Speaker 1>Pythagrean theorem. Why don't we learn how to do the

0:29:23.160 --> 0:29:25.760
<v Speaker 1>budget or taxes or business plan like that would be

0:29:25.800 --> 0:29:28.760
<v Speaker 1>really more valuable, or figure out how to refinance. And

0:29:28.840 --> 0:29:31.240
<v Speaker 1>so I was saying that so much that I was like, Okay,

0:29:31.240 --> 0:29:33.640
<v Speaker 1>well I might as well just make that I'll just

0:29:33.720 --> 0:29:36.880
<v Speaker 1>do it. And so I created twelve video modules and

0:29:36.920 --> 0:29:39.280
<v Speaker 1>worksheets and quizzes, and then I put all of my

0:29:39.680 --> 0:29:43.080
<v Speaker 1>templates and everything together in a bundle. So if people

0:29:43.200 --> 0:29:46.240
<v Speaker 1>do want to get their financial life together and focus

0:29:46.280 --> 0:29:49.560
<v Speaker 1>on financial literacy, you know, we complain a lot about money,

0:29:49.600 --> 0:29:52.880
<v Speaker 1>but actually ask yourself, how long have you actually done

0:29:52.920 --> 0:29:55.320
<v Speaker 1>something about it? Like take the same amount of time

0:29:55.320 --> 0:29:58.000
<v Speaker 1>that you would have used to plan a vacation or

0:29:58.040 --> 0:30:01.560
<v Speaker 1>buy boots, and just like read some financial book or

0:30:01.720 --> 0:30:03.960
<v Speaker 1>it doesn't even have to be mine or take a

0:30:04.040 --> 0:30:06.840
<v Speaker 1>class and actually educate yourself about it. Because we can't

0:30:06.840 --> 0:30:08.840
<v Speaker 1>hear our heads in the stand. We can't assume that

0:30:08.840 --> 0:30:11.800
<v Speaker 1>a man is a financial plan Like I cannot stand

0:30:11.840 --> 0:30:13.560
<v Speaker 1>when I hear that, or I used to hear that

0:30:13.640 --> 0:30:16.360
<v Speaker 1>at events across the country. Um, you know, I think

0:30:16.560 --> 0:30:18.720
<v Speaker 1>we didn't learn it in school. We may have had

0:30:18.760 --> 0:30:21.640
<v Speaker 1>a terrible upbringing. Okay, so we didn't learn it. That's

0:30:21.720 --> 0:30:24.360
<v Speaker 1>no excuse now, like forgive your former self for what

0:30:24.480 --> 0:30:26.000
<v Speaker 1>she didn't know, but to say, like it's not a

0:30:26.080 --> 0:30:27.840
<v Speaker 1>pain moving forward. I got to get my big girl

0:30:27.840 --> 0:30:31.240
<v Speaker 1>andyvon and handle it. I think that's so true because

0:30:31.280 --> 0:30:33.840
<v Speaker 1>I didn't. I mean, this is you're gonna like probably like,

0:30:33.840 --> 0:30:36.080
<v Speaker 1>oh my gosh, But I didn't start. Actually, I didn't

0:30:36.120 --> 0:30:39.400
<v Speaker 1>have a I didn't put any money into a portfolio

0:30:39.600 --> 0:30:42.720
<v Speaker 1>until probably just a few years ago because I didn't know,

0:30:42.880 --> 0:30:45.800
<v Speaker 1>and like I was so worried about the number and

0:30:45.840 --> 0:30:49.000
<v Speaker 1>the account and my business manager, you know, he was like,

0:30:49.240 --> 0:30:51.960
<v Speaker 1>you have to start putting money into some kind of

0:30:52.560 --> 0:30:55.000
<v Speaker 1>like so you your money can make something for you.

0:30:55.040 --> 0:30:57.680
<v Speaker 1>But I was so fearful because of the industry that

0:30:57.760 --> 0:30:59.360
<v Speaker 1>you know, I've I've been in there. I'm like, I

0:30:59.400 --> 0:31:01.400
<v Speaker 1>don't know if I'm ever going to make money again,

0:31:01.400 --> 0:31:03.520
<v Speaker 1>and what if that money goes away, I'm screwed, Like

0:31:03.600 --> 0:31:06.160
<v Speaker 1>I won't have anything. But all that time that I

0:31:06.160 --> 0:31:08.600
<v Speaker 1>could have had it in something growing, it just it's

0:31:09.080 --> 0:31:12.600
<v Speaker 1>it's slowly been just annoying me to be like, like,

0:31:12.680 --> 0:31:14.760
<v Speaker 1>why did it? Why wasn't I smarter with my money?

0:31:14.800 --> 0:31:17.280
<v Speaker 1>Why wasn't I Why didn't I take more risks? And

0:31:17.280 --> 0:31:20.880
<v Speaker 1>why didn't I almost bet on myself because I for

0:31:20.920 --> 0:31:24.960
<v Speaker 1>all those years, my entire twenties into my early thirties,

0:31:24.960 --> 0:31:28.200
<v Speaker 1>I didn't bet on myself. I just I bet on uncertainty,

0:31:28.200 --> 0:31:30.400
<v Speaker 1>and I bet on you know, things not working out,

0:31:30.400 --> 0:31:32.200
<v Speaker 1>and I bet on you know, going in the right again.

0:31:32.200 --> 0:31:36.800
<v Speaker 1>Because for the the pretty much my entire twenties, my

0:31:36.840 --> 0:31:40.000
<v Speaker 1>bank account would go from red to normal, from red

0:31:40.000 --> 0:31:42.280
<v Speaker 1>to normal, from red to normal until really my late

0:31:42.320 --> 0:31:45.920
<v Speaker 1>twenties was when I started to actually make some kind

0:31:45.960 --> 0:31:49.240
<v Speaker 1>of money. And it's just I get frustrated that I

0:31:49.280 --> 0:31:51.560
<v Speaker 1>never put anything away because I just started my retirement

0:31:51.560 --> 0:31:54.480
<v Speaker 1>and I'm thirty six years old. Um so I do

0:31:54.600 --> 0:32:01.240
<v Speaker 1>get a little why are you laughing at me? But yeah,

0:32:01.240 --> 0:32:02.640
<v Speaker 1>so I'm like, I just wish I would have I

0:32:02.680 --> 0:32:04.960
<v Speaker 1>would have been smarter. But it's it's hard to bet

0:32:05.000 --> 0:32:08.080
<v Speaker 1>on yourself, I guess. But it's the would as should have,

0:32:08.120 --> 0:32:10.040
<v Speaker 1>could haves. And we you know, we're never as young

0:32:10.080 --> 0:32:12.240
<v Speaker 1>as we are today, right, And it's you know, it's

0:32:12.520 --> 0:32:16.520
<v Speaker 1>it's never too late to start, truly, and the earlier

0:32:16.600 --> 0:32:19.800
<v Speaker 1>you do, you get to reach the benefits of compounding interest,

0:32:19.920 --> 0:32:23.360
<v Speaker 1>which you know we have seen probably used against us

0:32:23.360 --> 0:32:25.920
<v Speaker 1>with credit card debt and how quickly that snowball's out

0:32:25.920 --> 0:32:28.440
<v Speaker 1>of control. Like, imagine what that can do when it's

0:32:28.480 --> 0:32:31.360
<v Speaker 1>in your favor and it's compounding. So your money is

0:32:31.400 --> 0:32:34.040
<v Speaker 1>making money, and the goal could be to have your

0:32:34.080 --> 0:32:37.080
<v Speaker 1>money make you so much interest that you don't have

0:32:37.160 --> 0:32:39.520
<v Speaker 1>to work. If you want to work, God's get on

0:32:39.600 --> 0:32:41.680
<v Speaker 1>with your bad self. But like you don't have to

0:32:41.920 --> 0:32:44.600
<v Speaker 1>or you're not stuck in a relationship that's abusive or

0:32:44.640 --> 0:32:47.880
<v Speaker 1>bad because you can't make your own money. Like truly,

0:32:47.960 --> 0:32:50.520
<v Speaker 1>money is freedom. It's freedom to make the choices you

0:32:50.560 --> 0:32:53.000
<v Speaker 1>want to make work because you love it, stay with

0:32:53.080 --> 0:32:55.760
<v Speaker 1>somebody you love, and don't have money be a factor

0:32:55.800 --> 0:32:58.640
<v Speaker 1>in musation. I love that is there when you kind

0:32:58.640 --> 0:33:01.400
<v Speaker 1>of look at you know someone situation and what what's

0:33:01.440 --> 0:33:04.360
<v Speaker 1>like the top three things that you're like, it's you're

0:33:04.400 --> 0:33:07.480
<v Speaker 1>just wasting your money. Is there anything where you can say,

0:33:07.480 --> 0:33:09.280
<v Speaker 1>like just get rid of this or get rid of that,

0:33:09.440 --> 0:33:12.640
<v Speaker 1>or something where you can stop buying this? Is that

0:33:13.280 --> 0:33:16.000
<v Speaker 1>in the equation or is it just solely like putting

0:33:16.000 --> 0:33:19.800
<v Speaker 1>buying stocks and things like that. So I don't advocate

0:33:19.840 --> 0:33:23.000
<v Speaker 1>any sort of deprivation. I think a financial diet is

0:33:23.040 --> 0:33:25.000
<v Speaker 1>a lot like a regular diet. You know, if you

0:33:25.040 --> 0:33:28.160
<v Speaker 1>allow yourself small indulgences, you won't end up thinching later on.

0:33:28.280 --> 0:33:30.360
<v Speaker 1>So I don't know about you, but abla lot a

0:33:30.360 --> 0:33:33.040
<v Speaker 1>lot of crazy craft diets in my life, Like we're

0:33:33.080 --> 0:33:36.920
<v Speaker 1>dup cleanses and grapefruit cleanses and whatever. And I was

0:33:37.040 --> 0:33:38.760
<v Speaker 1>starving and I ended up in the middle of the the

0:33:38.880 --> 0:33:41.440
<v Speaker 1>night naching on a big, a hunkle chocolate case because

0:33:41.480 --> 0:33:44.440
<v Speaker 1>Mama was so hungry and so deprived. Like the same

0:33:44.520 --> 0:33:46.959
<v Speaker 1>thing goes for a financial diet if you don't allow

0:33:47.040 --> 0:33:50.880
<v Speaker 1>yourself a latte. Like I argue against all the financial

0:33:50.880 --> 0:33:53.200
<v Speaker 1>folks who are like, don't biology, I'm like, no, you

0:33:53.240 --> 0:33:55.840
<v Speaker 1>need to buy something that makes you happy. That's why

0:33:55.880 --> 0:33:58.480
<v Speaker 1>we're working and living life anyway. You can't be in

0:33:58.480 --> 0:34:01.440
<v Speaker 1>like doom and gloom, death destruction, you know, clipping cupon

0:34:01.880 --> 0:34:05.520
<v Speaker 1>and have this deprivation mentality. Because when people say I

0:34:05.560 --> 0:34:07.520
<v Speaker 1>cut out the morning, latta, you would be so proud

0:34:07.560 --> 0:34:10.400
<v Speaker 1>of me for my New Year's resolution. Come like April

0:34:10.480 --> 0:34:12.799
<v Speaker 1>or May they say, Hey, I've got a Gucci perse

0:34:12.840 --> 0:34:15.239
<v Speaker 1>because I was so good. I'm like, God, if you

0:34:15.400 --> 0:34:18.800
<v Speaker 1>just bought that lay every single day and made yourself

0:34:18.880 --> 0:34:23.160
<v Speaker 1>happy when me that Gucci, I think absolutely, allow yourself

0:34:23.200 --> 0:34:25.960
<v Speaker 1>for the extras, but just have them being no more

0:34:26.000 --> 0:34:29.560
<v Speaker 1>than about fifteen percent in normal times of your overall stending.

0:34:29.640 --> 0:34:32.200
<v Speaker 1>I love that. And then what do you tell people

0:34:32.360 --> 0:34:35.759
<v Speaker 1>that have financial anxiety? So I have, like I deal

0:34:35.800 --> 0:34:39.640
<v Speaker 1>with a lot of financial anxiety and fears about you know, money,

0:34:39.680 --> 0:34:44.279
<v Speaker 1>and and it's is there something like to to help

0:34:44.280 --> 0:34:46.920
<v Speaker 1>ease anything like that or is it is that just

0:34:47.280 --> 0:34:52.040
<v Speaker 1>is that normal? It's totally normal. I have financial anxiety too.

0:34:52.120 --> 0:34:54.279
<v Speaker 1>I mean I know a lot, I don't know everything,

0:34:54.640 --> 0:34:58.080
<v Speaker 1>and it's so understandable. Money is the root of every

0:34:58.160 --> 0:35:00.759
<v Speaker 1>I think conflict if you really get down to it,

0:35:00.760 --> 0:35:05.120
<v Speaker 1>it's more the humanity is part that's most anxiety provoking,

0:35:05.280 --> 0:35:07.719
<v Speaker 1>the mass part like a fifth grader can do. It's

0:35:07.800 --> 0:35:10.359
<v Speaker 1>the idea of talking to your significant other about money.

0:35:10.400 --> 0:35:12.400
<v Speaker 1>It's the idea of the prenup. It's the idea of

0:35:12.400 --> 0:35:14.279
<v Speaker 1>getting your friend to pay you back. It's all the

0:35:14.320 --> 0:35:17.560
<v Speaker 1>emotional stuff that gets in the way. And I would say,

0:35:17.880 --> 0:35:20.240
<v Speaker 1>you know, the biggest enemy is often between our ears,

0:35:20.320 --> 0:35:23.320
<v Speaker 1>and sometimes we suffer more in imagination than in reality.

0:35:23.440 --> 0:35:25.759
<v Speaker 1>So like you don't open up your credit score or

0:35:25.800 --> 0:35:27.759
<v Speaker 1>you don't open up your taxes because you're just like

0:35:27.800 --> 0:35:30.160
<v Speaker 1>in denial. It's like you want to lose weight, if

0:35:30.200 --> 0:35:31.920
<v Speaker 1>you don't step on the scale or you don't know

0:35:31.960 --> 0:35:34.239
<v Speaker 1>the calories, then it's cool because you're just in this

0:35:34.320 --> 0:35:37.319
<v Speaker 1>denial mode so it doesn't actually feel real. But once

0:35:37.400 --> 0:35:39.520
<v Speaker 1>you do it, you know, once you rip off that

0:35:39.560 --> 0:35:42.320
<v Speaker 1>band aid, then I think you see that it's actually

0:35:42.360 --> 0:35:44.680
<v Speaker 1>not as complicated and not as very as you made

0:35:44.680 --> 0:35:48.000
<v Speaker 1>it out to be in your head. I like it. Yeah,

0:35:48.120 --> 0:35:50.480
<v Speaker 1>great question. Well, I just I just feel like, because

0:35:50.640 --> 0:35:52.520
<v Speaker 1>that's kind of what to what you said, Nicole, Like

0:35:52.600 --> 0:35:55.279
<v Speaker 1>I in the very beginning, I didn't want to want

0:35:55.320 --> 0:35:57.879
<v Speaker 1>my business manager called. I would decline the call because

0:35:57.920 --> 0:36:00.600
<v Speaker 1>I was so nervous of him saying like okay, because

0:36:00.600 --> 0:36:02.799
<v Speaker 1>I had this awful manager in the beginning of my

0:36:02.920 --> 0:36:04.839
<v Speaker 1>career and she sued me and she just I mean,

0:36:04.880 --> 0:36:07.400
<v Speaker 1>she's just she was awful, and so I always it

0:36:07.520 --> 0:36:10.640
<v Speaker 1>was just so much like financial stress at that time,

0:36:10.680 --> 0:36:12.080
<v Speaker 1>and so I just never wanted to talk to him.

0:36:12.080 --> 0:36:13.520
<v Speaker 1>I didn't want to see the money. I just I

0:36:13.880 --> 0:36:16.640
<v Speaker 1>just was always so fearful because I just knew it

0:36:16.680 --> 0:36:18.680
<v Speaker 1>was like I was, I was afraid it was going

0:36:18.719 --> 0:36:21.000
<v Speaker 1>to go away. And now it's like now I'm so

0:36:21.440 --> 0:36:24.000
<v Speaker 1>almost controlling to a fault because I'm so afraid to

0:36:24.080 --> 0:36:26.360
<v Speaker 1>lose it. And now I'm like, okay, like you know,

0:36:26.440 --> 0:36:28.360
<v Speaker 1>we've lost a lot of money this year with COVID,

0:36:28.400 --> 0:36:29.960
<v Speaker 1>like everyone else has, and like how are we going

0:36:30.000 --> 0:36:31.480
<v Speaker 1>to keep it? And okay, we gotta cut down here,

0:36:31.480 --> 0:36:33.120
<v Speaker 1>and we gotta cut down there, and we were for

0:36:33.120 --> 0:36:36.000
<v Speaker 1>allowing this person and like so it's just like now

0:36:36.040 --> 0:36:38.160
<v Speaker 1>I'm just trying to like navigate how to like not

0:36:38.280 --> 0:36:41.680
<v Speaker 1>let it completely control my mood throughout the day. So

0:36:41.960 --> 0:36:45.919
<v Speaker 1>I appreciate you sharing that. Yeah, it's understandable. I think

0:36:46.200 --> 0:36:49.600
<v Speaker 1>you know, we talked about everything before. We talk about money.

0:36:49.640 --> 0:36:52.040
<v Speaker 1>I mean, you guys have talked about this on the

0:36:52.040 --> 0:36:55.040
<v Speaker 1>show like sexty times, the Keening, watch this, fertility, like

0:36:55.120 --> 0:36:57.600
<v Speaker 1>all the things, and then all of a sudden, when

0:36:57.680 --> 0:36:59.920
<v Speaker 1>we used to see human beings in real life, I

0:37:00.000 --> 0:37:02.000
<v Speaker 1>would say to my girlfriends over dinner, like, hey, how

0:37:02.080 --> 0:37:03.840
<v Speaker 1>much are you making this year? Or how much is

0:37:03.880 --> 0:37:06.239
<v Speaker 1>in your bank account? And it would be cricket. I'm like, girl,

0:37:06.280 --> 0:37:08.080
<v Speaker 1>you just told me about your landing strip and you're

0:37:08.080 --> 0:37:11.160
<v Speaker 1>not telling me about looking your bank account. Like we have.

0:37:11.320 --> 0:37:14.160
<v Speaker 1>We have to reprogram ourselves around that, because I was like,

0:37:14.200 --> 0:37:16.400
<v Speaker 1>I'm starting to help you. If we don't talk about it,

0:37:16.600 --> 0:37:18.440
<v Speaker 1>we're not going to get ahead. It's like trying to

0:37:18.520 --> 0:37:20.840
<v Speaker 1>price your health without knowing the camp of the area.

0:37:21.200 --> 0:37:23.480
<v Speaker 1>So I always go first. I'm like, I'll show you

0:37:23.520 --> 0:37:25.239
<v Speaker 1>mine if you show me yours. See, I don't know

0:37:25.280 --> 0:37:27.040
<v Speaker 1>if I could do that. That gives an anxiety because

0:37:27.040 --> 0:37:29.680
<v Speaker 1>then I would almost be like I'd almost maybe get jealous,

0:37:29.680 --> 0:37:33.200
<v Speaker 1>like you're skinnier than me or so That's that's interesting though,

0:37:33.239 --> 0:37:35.240
<v Speaker 1>because even just the other day I was asking somebody

0:37:35.280 --> 0:37:37.520
<v Speaker 1>I don't remember who it was, but you know how

0:37:37.560 --> 0:37:39.120
<v Speaker 1>you phrase those questions. I was like, Hey, if you

0:37:39.120 --> 0:37:40.960
<v Speaker 1>don't mind me asking like how much did you pay

0:37:40.960 --> 0:37:42.640
<v Speaker 1>you to have this done? Just because I was curious

0:37:42.719 --> 0:37:45.480
<v Speaker 1>for my own I get reasoning, but but still it's

0:37:45.480 --> 0:37:49.160
<v Speaker 1>like it's such a personal thing, like like to Nicole's point,

0:37:49.160 --> 0:37:51.239
<v Speaker 1>you talk, you know, and with this person I was with,

0:37:51.280 --> 0:37:54.799
<v Speaker 1>I've talked about way more deeper things than than you know,

0:37:54.920 --> 0:37:57.120
<v Speaker 1>how much this one job cost that he had done

0:37:57.160 --> 0:37:59.680
<v Speaker 1>or something. But it is interesting, That's true. It did.

0:37:59.719 --> 0:38:01.759
<v Speaker 1>I was talking to Sean about something and I said,

0:38:02.400 --> 0:38:04.600
<v Speaker 1>and it took me a minute to ask her, like

0:38:05.600 --> 0:38:07.680
<v Speaker 1>how much did you make on that? Because you can

0:38:07.719 --> 0:38:10.279
<v Speaker 1>just see, you know, and it's it's it is that

0:38:10.320 --> 0:38:15.400
<v Speaker 1>it's uncomfortable and they're like our best friends. It's interesting. Yeah,

0:38:15.600 --> 0:38:19.359
<v Speaker 1>I don't have a problem telling people. Guys have less

0:38:19.360 --> 0:38:21.680
<v Speaker 1>of a problem, see I I don't. I guess it

0:38:21.680 --> 0:38:24.120
<v Speaker 1>does make me uncomfortable. If someone asked me, like, if

0:38:24.160 --> 0:38:26.000
<v Speaker 1>someone just at me flat out, how much did you

0:38:26.000 --> 0:38:28.279
<v Speaker 1>guys pay for this, I'll oh that I don't care.

0:38:28.840 --> 0:38:32.319
<v Speaker 1>But I do parent price. I do. I do give

0:38:32.360 --> 0:38:34.759
<v Speaker 1>a parent price. I'm like, it's like a couple hundred dollars,

0:38:34.760 --> 0:38:37.520
<v Speaker 1>and my friends like it's a thousand dollars and I'm like, oh,

0:38:37.600 --> 0:38:39.239
<v Speaker 1>but I don't. But here's my thing. I don't buy

0:38:39.239 --> 0:38:44.720
<v Speaker 1>anything I don't like to buy. I'm very, very like um, frugal,

0:38:45.600 --> 0:38:47.600
<v Speaker 1>but I like to buy things for other people. So

0:38:47.680 --> 0:38:52.719
<v Speaker 1>that's where I spend my money, Like because I have

0:38:52.800 --> 0:38:54.799
<v Speaker 1>to force her to do something for yourself to your

0:38:54.840 --> 0:38:57.360
<v Speaker 1>point in qual like for the latte for Jana's she

0:38:57.440 --> 0:39:00.160
<v Speaker 1>andrew coffee, but for whatever her quote unquote latte is is.

0:39:00.160 --> 0:39:03.799
<v Speaker 1>I'm like, honey, you work so hard, like do this

0:39:03.960 --> 0:39:07.040
<v Speaker 1>it's not a lot, Like it's okay. And she'll come

0:39:07.040 --> 0:39:09.719
<v Speaker 1>to me because we don't we have a budget that

0:39:09.760 --> 0:39:11.800
<v Speaker 1>we have agreed upon if it's anything over this amount,

0:39:12.040 --> 0:39:15.400
<v Speaker 1>we talk about and it'll be something under that amount,

0:39:15.440 --> 0:39:17.320
<v Speaker 1>and she'll come be like and ask me like she's

0:39:17.440 --> 0:39:20.160
<v Speaker 1>a little kid. I'm like, first of all, you're like

0:39:20.160 --> 0:39:22.239
<v Speaker 1>the breadwinner in this family. I was like, you don't

0:39:22.239 --> 0:39:24.080
<v Speaker 1>really need to, you know, ask me too much, but

0:39:24.239 --> 0:39:26.400
<v Speaker 1>I appreciate the respect and when you do come to

0:39:26.440 --> 0:39:28.880
<v Speaker 1>me and to discuss it, like you don't have to

0:39:28.920 --> 0:39:33.840
<v Speaker 1>ask like that, Like I never care, you know, I

0:39:33.840 --> 0:39:35.880
<v Speaker 1>don't know what is that? What? Why why do guys

0:39:35.960 --> 0:39:41.440
<v Speaker 1>care less to the all, No, I think, you know,

0:39:41.600 --> 0:39:45.400
<v Speaker 1>it's obviously fraught with so many other emotions. And I

0:39:45.440 --> 0:39:47.640
<v Speaker 1>think to your point that you might feel bad if

0:39:47.640 --> 0:39:51.160
<v Speaker 1>somebody's like skinny or rich or whatever like that on you,

0:39:51.360 --> 0:39:53.920
<v Speaker 1>I have to say, like, you have to do some

0:39:54.000 --> 0:39:57.440
<v Speaker 1>work and say is my worth tied to money? Is

0:39:57.480 --> 0:39:59.880
<v Speaker 1>it not? And so you know you can you can

0:40:00.000 --> 0:40:02.360
<v Speaker 1>only control how your reaction is. And so I like

0:40:02.400 --> 0:40:05.960
<v Speaker 1>to talk about it transparently because I think that's the

0:40:05.960 --> 0:40:08.239
<v Speaker 1>way we can help each other and negotiate. It's the

0:40:08.280 --> 0:40:11.000
<v Speaker 1>way we can help each other with best practices. And

0:40:11.080 --> 0:40:13.319
<v Speaker 1>I go for so in all my books, I talk

0:40:13.400 --> 0:40:15.719
<v Speaker 1>about what I made at CNN what I meant you

0:40:15.960 --> 0:40:18.160
<v Speaker 1>see what I made for my book Advances, because I'm like,

0:40:18.680 --> 0:40:20.359
<v Speaker 1>this is going to read this is like what does

0:40:20.400 --> 0:40:22.000
<v Speaker 1>this film make for this? And so I just put

0:40:22.000 --> 0:40:23.960
<v Speaker 1>it in there because I think it's important. And I

0:40:24.000 --> 0:40:27.319
<v Speaker 1>had to put my money literally where my mouth was. Well, yeah,

0:40:27.320 --> 0:40:29.680
<v Speaker 1>I respect that. Yeah, I respect that because not a

0:40:29.719 --> 0:40:32.040
<v Speaker 1>lot of people do that. Um So to find out more,

0:40:32.520 --> 0:40:36.120
<v Speaker 1>go to the Money School challenge dot com and then

0:40:36.160 --> 0:40:39.400
<v Speaker 1>also get her book it's out right now. Becoming Superwoman

0:40:39.440 --> 0:40:42.760
<v Speaker 1>a simple twelve step planned to go from burnout to balance. Nicole,

0:40:42.800 --> 0:40:46.160
<v Speaker 1>thank you so much, UM for coming on. Really appreciate it.

0:40:46.239 --> 0:40:48.880
<v Speaker 1>And I'm going to check out the money challenge because

0:40:48.880 --> 0:40:51.640
<v Speaker 1>that sounds very interesting. I need to be more knowledgeable

0:40:51.640 --> 0:41:00.440
<v Speaker 1>about my points literally to Alright. Okay, thank you he guy.

0:41:13.400 --> 0:41:17.200
<v Speaker 1>All Right, So Nicole was awesome, super excited. I have

0:41:17.239 --> 0:41:21.800
<v Speaker 1>an S on my chest. I'm about to be superwoman. UM.

0:41:21.880 --> 0:41:25.360
<v Speaker 1>Email Stephanie. I suffered a miscarriage in December two thou nineteen.

0:41:25.400 --> 0:41:28.360
<v Speaker 1>My husband and I was we're trying for our second child.

0:41:28.440 --> 0:41:30.239
<v Speaker 1>I have a beautiful son who was a year and

0:41:30.239 --> 0:41:32.840
<v Speaker 1>a half um, and I honestly didn't think having a

0:41:32.880 --> 0:41:35.440
<v Speaker 1>miscarriage was going to happen to me. I lost the

0:41:35.520 --> 0:41:38.279
<v Speaker 1>baby around ten weeks and I had um never felt

0:41:38.320 --> 0:41:40.960
<v Speaker 1>more sad, her and angry than I did during that time.

0:41:41.440 --> 0:41:44.200
<v Speaker 1>Push forward to today, I am currently twenty two weeks

0:41:44.200 --> 0:41:47.400
<v Speaker 1>pregnant with our second child, a baby girl. She's my

0:41:47.560 --> 0:41:50.799
<v Speaker 1>rainbow baby. I love her so much, but honestly, I'm

0:41:50.880 --> 0:41:53.960
<v Speaker 1>still terrified. I feel myself trying to not get too

0:41:53.960 --> 0:41:56.000
<v Speaker 1>excited about her because the chance of losing her would

0:41:56.040 --> 0:41:58.640
<v Speaker 1>completely destroy me. I know Janna and Mike experienced several

0:41:58.640 --> 0:42:01.759
<v Speaker 1>miscarriages before baby, and I guess I want to know

0:42:01.800 --> 0:42:04.000
<v Speaker 1>how you let yourself enjoy the pregnancy that gave you

0:42:04.040 --> 0:42:06.239
<v Speaker 1>a baby. I want to grow this little girl with

0:42:06.320 --> 0:42:09.440
<v Speaker 1>all my love, and I'm afraid, Um, I'm afraid my

0:42:09.480 --> 0:42:13.680
<v Speaker 1>fear of losing her is keeping me from doing that. Um. Stephanie,

0:42:13.680 --> 0:42:18.000
<v Speaker 1>I'm sorry you suffered a miscarriage. I you know, we

0:42:18.000 --> 0:42:21.520
<v Speaker 1>we both know how that feels. Um, I'm so excited

0:42:21.520 --> 0:42:23.280
<v Speaker 1>for you that you have your rainbow baby on the way.

0:42:24.040 --> 0:42:33.200
<v Speaker 1>I honestly wish I could give positive but that when

0:42:33.239 --> 0:42:36.400
<v Speaker 1>I was pregnant with Jason, like every single time this

0:42:36.480 --> 0:42:38.399
<v Speaker 1>is a little like Team I, but every single time

0:42:38.440 --> 0:42:41.280
<v Speaker 1>I wiped, I was like, there's going to be blood.

0:42:42.239 --> 0:42:44.600
<v Speaker 1>Like I was always fearful of wiping and seeing blood.

0:42:44.640 --> 0:42:48.839
<v Speaker 1>And that's just the reality of like having so many miscarriages.

0:42:48.920 --> 0:42:52.080
<v Speaker 1>Of like, it's not it's can of course, it's it's

0:42:52.120 --> 0:42:55.240
<v Speaker 1>like I'm going to lose it. Of course, even even

0:42:55.400 --> 0:42:58.480
<v Speaker 1>when I was in my you know, twenty something weeks,

0:42:58.520 --> 0:43:01.240
<v Speaker 1>I still was just like when I got to thirty,

0:43:01.440 --> 0:43:04.000
<v Speaker 1>I think it was like No. Seven or twenty eight

0:43:04.000 --> 0:43:05.600
<v Speaker 1>where they say that the baby has a chance of

0:43:05.640 --> 0:43:11.360
<v Speaker 1>living and that's when I stopped being so crazy. Um,

0:43:11.400 --> 0:43:13.600
<v Speaker 1>but no, I mean every single time I wiped, I

0:43:13.640 --> 0:43:17.399
<v Speaker 1>looked to see if there was blood. And I don't

0:43:17.400 --> 0:43:20.400
<v Speaker 1>know if that's like I don't want to project that

0:43:20.400 --> 0:43:22.839
<v Speaker 1>on Stephanie, Like I want to say, don't worry about it,

0:43:22.960 --> 0:43:26.040
<v Speaker 1>like it's gonna be great, but like I can't really

0:43:26.040 --> 0:43:29.640
<v Speaker 1>say that because that wasn't that wasn't reality for us.

0:43:29.680 --> 0:43:34.000
<v Speaker 1>And I remember with Chase, how often you would you know,

0:43:34.400 --> 0:43:39.600
<v Speaker 1>kind of think out loud to me, uh and say, okay,

0:43:39.640 --> 0:43:42.400
<v Speaker 1>it's you know, so and so weeks they say they

0:43:42.400 --> 0:43:44.960
<v Speaker 1>can still survive like outside the womb, and it was

0:43:45.000 --> 0:43:49.360
<v Speaker 1>like a countdown in your head for every like milestone. Um,

0:43:49.400 --> 0:43:52.000
<v Speaker 1>you know. So I do remember that, and it's it's

0:43:52.000 --> 0:43:55.320
<v Speaker 1>hard not to it's it's easier for it's not easier.

0:43:55.320 --> 0:43:57.879
<v Speaker 1>It's simpler for men because it's not our body, right,

0:43:57.920 --> 0:44:00.000
<v Speaker 1>so it's not unconscious thing every single day, every month,

0:44:00.000 --> 0:44:04.320
<v Speaker 1>moment like y'all. So with that, I empathize for women,

0:44:04.400 --> 0:44:06.960
<v Speaker 1>but you know it is it still involves both of

0:44:07.000 --> 0:44:10.000
<v Speaker 1>you and for the husband, it's just our job too,

0:44:11.560 --> 0:44:14.160
<v Speaker 1>not like I try to do a good job with Jace.

0:44:15.520 --> 0:44:18.200
<v Speaker 1>From what I remember of not diminishing you saying that,

0:44:18.880 --> 0:44:20.120
<v Speaker 1>you know what I mean, Like I wasn't trying to

0:44:20.120 --> 0:44:22.080
<v Speaker 1>take that away from you and just say, baby, you

0:44:22.120 --> 0:44:23.880
<v Speaker 1>can't do anything about that, don't worry about it. Like

0:44:23.920 --> 0:44:27.280
<v Speaker 1>just you know, I don't want to minimize your feeling

0:44:27.320 --> 0:44:29.880
<v Speaker 1>around it at all. I just try to be understanding

0:44:29.880 --> 0:44:32.640
<v Speaker 1>and supportive of it the best that I could be.

0:44:33.280 --> 0:44:35.799
<v Speaker 1>And so I think it's to your point. I mean,

0:44:37.239 --> 0:44:39.680
<v Speaker 1>that's natural for anyone, for any you know, a couple,

0:44:39.760 --> 0:44:43.359
<v Speaker 1>ship or um or woman that's kind of gone through

0:44:43.400 --> 0:44:45.839
<v Speaker 1>that that's going to be normal. Yeah, And I mean

0:44:45.880 --> 0:44:48.799
<v Speaker 1>I would just say this is the worst advice, but

0:44:49.520 --> 0:44:52.279
<v Speaker 1>like you're so close to that one moment where they

0:44:52.320 --> 0:44:56.480
<v Speaker 1>can be possibly living out of the womb, so um,

0:44:56.800 --> 0:44:59.640
<v Speaker 1>just know that like a twenty two weeks, the chances

0:44:59.680 --> 0:45:04.560
<v Speaker 1>are so so, so so small. But again, I I,

0:45:04.560 --> 0:45:06.960
<v Speaker 1>I can't really be like, just be positive and be

0:45:07.000 --> 0:45:09.359
<v Speaker 1>happy because you're a mom and we are going to

0:45:09.400 --> 0:45:11.239
<v Speaker 1>worry for the rest of our lives. That's just the

0:45:11.239 --> 0:45:14.200
<v Speaker 1>reality for sure. All Right, don't want to read this

0:45:14.239 --> 0:45:17.480
<v Speaker 1>one from Shannon because I want to hear your response

0:45:17.600 --> 0:45:20.560
<v Speaker 1>is awesome, baby boy. On the way, I'm expecting. I'm

0:45:20.600 --> 0:45:28.080
<v Speaker 1>expecting our first child. Yeah, I'm expecting our first child.

0:45:28.160 --> 0:45:29.879
<v Speaker 1>I knew deep down from the second we found out

0:45:29.880 --> 0:45:31.600
<v Speaker 1>that we were pregnant he was a boy. And sure

0:45:31.680 --> 0:45:35.919
<v Speaker 1>enough our ultrasound confirmed it. I always and sure enough

0:45:36.040 --> 0:45:38.880
<v Speaker 1>our ultrasound confirmed it. I always saw myself having a

0:45:38.880 --> 0:45:41.720
<v Speaker 1>little girl mini me with lots of feute outfits, Bose,

0:45:41.760 --> 0:45:44.760
<v Speaker 1>playing with barbies, etcetera. I'm curious, now that you have Jace,

0:45:45.120 --> 0:45:47.200
<v Speaker 1>what is the mother's son bond like and what it's

0:45:47.719 --> 0:45:49.960
<v Speaker 1>and what is it like to be a boy mom.

0:45:50.000 --> 0:45:55.200
<v Speaker 1>It's the best, It's the best. I truly did not

0:45:55.400 --> 0:45:58.080
<v Speaker 1>want a boy. I mean I wanted whatever we could have,

0:45:58.280 --> 0:46:00.640
<v Speaker 1>you know, obviously because of the miscarriage is and stuff like.

0:46:00.680 --> 0:46:04.960
<v Speaker 1>I was so grateful, But I imagine two girls and

0:46:05.000 --> 0:46:09.680
<v Speaker 1>then yeah, I just I I never saw myself as

0:46:09.680 --> 0:46:12.160
<v Speaker 1>a boy mom. I didn't know. I mean, we had

0:46:12.239 --> 0:46:15.600
<v Speaker 1>Jolie first, so um, it was just one of those

0:46:15.640 --> 0:46:20.640
<v Speaker 1>things where I didn't really know kind of what to expect. Um.

0:46:20.680 --> 0:46:23.840
<v Speaker 1>It's I remember that when we had Jason. It was

0:46:23.880 --> 0:46:27.680
<v Speaker 1>weird because it was just you know, second time around.

0:46:27.719 --> 0:46:29.760
<v Speaker 1>I was like, oh my gosh, Like I felt different

0:46:29.800 --> 0:46:31.840
<v Speaker 1>when I had him the luve, it just was a

0:46:31.840 --> 0:46:34.320
<v Speaker 1>different kind of love. And so then I started comparing

0:46:34.320 --> 0:46:35.919
<v Speaker 1>it and like, well, do what did I did I love?

0:46:36.239 --> 0:46:37.880
<v Speaker 1>Do I love him as much as I love Jolie

0:46:37.880 --> 0:46:40.080
<v Speaker 1>When I had Jolie, And it was just it kind

0:46:40.080 --> 0:46:43.279
<v Speaker 1>of like played with me a little bit there emotionally.

0:46:43.400 --> 0:46:46.120
<v Speaker 1>But the love that I have for Ja'son is so

0:46:46.239 --> 0:46:47.920
<v Speaker 1>different than the love that I have for Jolie. And

0:46:48.000 --> 0:46:51.399
<v Speaker 1>it's hard to explain, but just he's he's just like

0:46:52.360 --> 0:46:54.759
<v Speaker 1>he's my man, Like he's my little boy. Like I

0:46:54.880 --> 0:46:58.960
<v Speaker 1>just like I'm so obsessed with him, and I just

0:46:59.120 --> 0:47:01.400
<v Speaker 1>can't wait to teach him how to treat a lady

0:47:01.520 --> 0:47:05.680
<v Speaker 1>and and and be respectful and and you know, I

0:47:05.719 --> 0:47:10.440
<v Speaker 1>can't wait to teach him how to you know, skate

0:47:10.480 --> 0:47:12.480
<v Speaker 1>and play hockey or whatever he wants to do. Like

0:47:12.520 --> 0:47:14.680
<v Speaker 1>I just I can't wait to like throw a ball

0:47:14.719 --> 0:47:17.480
<v Speaker 1>with him. And he's just he's so much fun and

0:47:17.520 --> 0:47:22.560
<v Speaker 1>that bond, Like his cuddles are just something beyond my

0:47:22.680 --> 0:47:25.239
<v Speaker 1>daughter's cuddles. Like you know, when Jolie cuddles with me,

0:47:25.280 --> 0:47:28.160
<v Speaker 1>it's it's sweet, but like Ja'son really cuddles with me,

0:47:28.320 --> 0:47:32.600
<v Speaker 1>like he's just like he melts in my arms. And

0:47:32.600 --> 0:47:34.680
<v Speaker 1>it's probably just because the age. But Jolie never did that,

0:47:34.920 --> 0:47:40.720
<v Speaker 1>like she'll cuddle, but she Julie never sat there like Jason, truly,

0:47:40.840 --> 0:47:43.080
<v Speaker 1>even when she was his age. She would just kind

0:47:43.080 --> 0:47:45.000
<v Speaker 1>of get up and keep moving. Jason will sit there

0:47:45.080 --> 0:47:50.520
<v Speaker 1>like lay on. I just I mean, I dore both

0:47:50.600 --> 0:47:53.640
<v Speaker 1>my kids. But the bond with this son, all my

0:47:53.719 --> 0:47:55.959
<v Speaker 1>friends said that, every single one of my girlfriends said

0:47:56.120 --> 0:48:00.200
<v Speaker 1>the mother son bond is something like unlike anything else,

0:48:00.200 --> 0:48:04.359
<v Speaker 1>and it's so true. I love it. All right, let's

0:48:04.400 --> 0:48:08.120
<v Speaker 1>do this last one right here from Lisa c section.

0:48:08.239 --> 0:48:11.600
<v Speaker 1>I've been dealing with the emotional effects and I've been

0:48:11.640 --> 0:48:13.840
<v Speaker 1>dealing with the emotional after effects of a C section

0:48:13.840 --> 0:48:15.680
<v Speaker 1>for a while. Now my daughter is five months old.

0:48:15.680 --> 0:48:18.200
<v Speaker 1>I keep thinking what if or maybe I could have

0:48:18.280 --> 0:48:20.879
<v Speaker 1>done something different to have a vaginal birth. I also

0:48:20.920 --> 0:48:23.240
<v Speaker 1>feel like the physical part of it is tough too.

0:48:23.760 --> 0:48:26.480
<v Speaker 1>I was always into fitness, but now I feel like

0:48:26.520 --> 0:48:29.319
<v Speaker 1>I have extra weight or the bubble above this car

0:48:29.520 --> 0:48:32.240
<v Speaker 1>to get rid of. I know Jason was a C section.

0:48:32.360 --> 0:48:34.080
<v Speaker 1>Did you feel this way at all? How did you

0:48:34.080 --> 0:48:35.799
<v Speaker 1>get through it? And how do you lose the extra

0:48:35.800 --> 0:48:39.240
<v Speaker 1>bubble above this car bubble and going nowhere. Um showed

0:48:39.280 --> 0:48:40.640
<v Speaker 1>Mike it the other day when I was wearing a

0:48:40.640 --> 0:48:44.600
<v Speaker 1>bathing suit. I said, oh my god. I was like, Babe,

0:48:44.640 --> 0:48:47.319
<v Speaker 1>do you see this? And I was like, look at

0:48:47.320 --> 0:48:49.240
<v Speaker 1>this really big dip right here and then the bubble

0:48:49.280 --> 0:48:52.120
<v Speaker 1>above it. And he was like okay, and I was like, really,

0:48:52.120 --> 0:48:54.120
<v Speaker 1>I can't even tell. But I was like, I'm so

0:48:54.160 --> 0:48:57.319
<v Speaker 1>self conscious of it, but at the same time, I'm

0:48:57.360 --> 0:48:59.839
<v Speaker 1>not because I'm like, it's my mom's car, like it's

0:49:00.280 --> 0:49:05.240
<v Speaker 1>it's what makes me mom. I embrace the saggyear belly,

0:49:05.320 --> 0:49:08.840
<v Speaker 1>and you know, my my trainer always says stop drinking

0:49:09.000 --> 0:49:12.279
<v Speaker 1>wine and your drink work stuff, and I say, I'm

0:49:12.280 --> 0:49:15.279
<v Speaker 1>good with the belly. Then I'm great. I don't care,

0:49:15.520 --> 0:49:17.600
<v Speaker 1>Like I've always kind of had a little bellies since

0:49:17.680 --> 0:49:20.120
<v Speaker 1>high school, like this just the bottom part. But I'm

0:49:20.160 --> 0:49:23.480
<v Speaker 1>just saying, like it's I'm just I'm not. I've never

0:49:23.520 --> 0:49:26.480
<v Speaker 1>had a natural flat stomach. Ever when I'm laying down,

0:49:26.480 --> 0:49:29.680
<v Speaker 1>I do, but like, never naturally flat. And now that

0:49:29.719 --> 0:49:31.759
<v Speaker 1>I'm my mom, it's obviously stretched a little bit. And

0:49:31.800 --> 0:49:35.520
<v Speaker 1>I embrace highwaisted stuff and I'm fine with it. I

0:49:35.560 --> 0:49:40.640
<v Speaker 1>don't care enough to quit drinking and stop eating pizza

0:49:40.680 --> 0:49:45.400
<v Speaker 1>and cookies like I don't, I don't care enough. And honestly,

0:49:45.520 --> 0:49:48.080
<v Speaker 1>it's like I'm embracing the mom bod. So I just say,

0:49:48.200 --> 0:49:53.320
<v Speaker 1>Lisa embraced the mom bod and then vaginal verse C section.

0:49:53.360 --> 0:49:55.799
<v Speaker 1>I mean, sure what I've loved to have tried, yes,

0:49:55.920 --> 0:49:59.439
<v Speaker 1>but we're not peeing ourselves when we jump up and down.

0:49:59.520 --> 0:50:01.680
<v Speaker 1>So like, well, you did try, but Jolie had to

0:50:01.680 --> 0:50:03.520
<v Speaker 1>be taken out and so that kind of set the

0:50:03.560 --> 0:50:05.200
<v Speaker 1>stage for the next one. Yeah, and for the next one,

0:50:05.239 --> 0:50:06.719
<v Speaker 1>I was like, well, maybe I'll try v back and

0:50:06.760 --> 0:50:09.880
<v Speaker 1>I'm like, I've already got the scar let's just go

0:50:10.000 --> 0:50:12.320
<v Speaker 1>for it. Um but no, I mean I think it

0:50:12.480 --> 0:50:15.880
<v Speaker 1>God's that was God's plan, God's way, Baby's way, and

0:50:16.480 --> 0:50:22.279
<v Speaker 1>you can't, um second second guess that. But anyhow, I

0:50:22.360 --> 0:50:24.760
<v Speaker 1>love you guys, d MS on the wind Down podcast.

0:50:24.840 --> 0:50:27.920
<v Speaker 1>If you have any questions, and um, don't forget to

0:50:27.920 --> 0:50:29.919
<v Speaker 1>go to Janna and Mike dot com to pre order

0:50:30.080 --> 0:50:33.239
<v Speaker 1>The Good Fight. Tell your friends, tell your cousins, tell

0:50:33.280 --> 0:50:37.439
<v Speaker 1>your parents, and tell everybody. See you all next week.