One Well Widow

You are Worthy of Abundance, Wealth and Joy NOW!

February 28, 2021 kathi Season 2 Episode 7
One Well Widow
You are Worthy of Abundance, Wealth and Joy NOW!
Show Notes Transcript
Wealthy women change the world!  You can change your financial health no matter what your current income.  In this episode I interview financial advisor, Amy Getz.  She believes wealth and financial freedom are for everyone and is especially passionate about helping women know their worth!  She will teach you to let go of limiting beliefs around money and face the real numbers so that you can quiet the stress loop in your mind and start believing that you are worthy of financial freedom and abundance.  https://www.instagram.com/amywgetzfinance/
https://www.linkedin.com/in/amy-getz/

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Welcome to one well widow, a podcast to empower and advocate for widows moving forward. My name is Kathi Gerke Balasekteacher coach mama five. And yes, the big W. We are checking the boxes here and having your circumstances define us. Where you are now in widowhood is not who you are or what you will become. In this podcast, we will explore ways to move forward, teach others how to treat us hear from widows, guests, sharing their stories, and discover some wit, wisdom and fun along the way. Grief is grief, no matter how you spin it. It can define you, destroy you, or strengthen you. So let's choose strength to walk forward together. And let's play it forward. Hello, everybody. Today we are going to talk about money, your money. We have a guest today named Amy Getz .

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//www.linkedin.com/in/amy-getz/ And she believes that wealth and financial freedom are for everyone. And she's very passionate about helping women know their worth. She is a financial advisor with iirc wealth. That's an SEC registered boutique investment firm in Atlanta, Georgia. She's a CPA and a cdfa, which I learned was a certified divorce financial analyst. So she is all in for helping women are in control of their financial freedom. She is also the money and finance chapter Director of the National what women want networking group, Amy is on a mission to educate women about their finances, and empower them to set big goals for their financial future. Letting go of limiting beliefs around money, and facing the real numbers allows women to quiet the stress loop in their minds and elevate everyone around them. Amy believes that wealthy women can change the world. So when Amy's not working, she loves to travel with her family, connect with friends, and read a good book. So today, let's learn about your money. Okay, everybody, I am thrilled to have a guest, Amy gets and I am over the moon because I met her. And she's a very mission based pro women, let's empower and change the world person. And I was just immediately drawn to her magnetic energy. And so Amy, I want to say welcome. Thank you so much. I am so excited to be here. I am already just loving being in your energy and just connecting with you and hopefully with your audience. And I am just grateful and super thrilled to be here. Thank you. Oh, well. You're welcome. So let's start out let's tell tell the audience a little bit about you your life family career travel? Yeah, let's do this. So I'm Amy guts. I am. You know, we'll start with this super sexy title. I'm a financial advisor. But I actually like to think of myself as more of like a money mindset coach. I am a CPA by trade. But I took a break, I actually took off over a decade to raise my three children, I have a claim to fame of three teenagers. So I have an almost 16 year old, an 18 year old and a 19 year old. But I really, really love my teams. And I have been a client of my firm IRC ball for over a decade. And I wasn't sure what my second stage in life was going to be after raising the children because I love to volunteer. So I was the treasurer of everything and then PTSA president and all the things. And then my financial advisor reached out to me and asked me if I could help him do some accounting for clients. And it was virtual. And I thought why not? And I did that for a little while and I guess I did a good job because then a few years ago, he approached me and said you can do what I do. And so I feel like it was just gifted to me on this beautiful silver platter. And I said yes. And I could not be more grateful and aligned with my values and who I am and the opportunity to serve people in the way that allows them to create financial freedom for their life because it sure feels good when you aren't stressed out and worried about money. And so my favorite is working with women because I truly believe wealthy women change the world. And that's not to say that men aren't fantastic. But studies show that women generally give more, they give to causes that are near and dear to them. And so I feel like money elevates who you are. And if you're a great person, you're just going to do great things with it. And so let's get more money in the hands of women. Oh, my gosh, I'm like, this is so exciting. You know, we just visualize the mic drop right there. Okay. Beautiful. I love that you, you know you are stay at home mom, and you know, all the volunteering we do. You know, I'm a mom too. And it's like, you know, the PTA, you know, the book sales, the soccer mom, me, I think we come from a point of serving and just doing what gets done. And I really believe it helps us in our career. Yeah, I didn't know, I was setting myself up for the career that I'm in. I did it all, because I truly felt like this was my gift. And that's how I feel joy is being able to volunteer and give my time and my talent. But in the end, it actually was setting me up in a, in an odd way to be the expert in the financial world, because I was Treasurer from like preschool, all through middle school, all the sports team, I'm still the treasurer of the boys lacrosse team and the girls lacrosse team. And really just putting myself into the community. I mean, I just love people. I'm an extrovert, you know, on 100%. And so it just allowed me to create a network of people that I was just having fun with. And so I've tried to carry that over into what I do. Like life is about having fun. Learning about your money, getting your finances in order is super fun. And so doing all those activities that brought me joy, really translated well into what I do now. In the most bizarre way. Yes, I love that. I love that you're an extrovert. I am too. Like, we're people's worst nightmares on an airplane. So you're you're not sleeping, we're talking. Tell me your whole life story. We've got two hours to go. Yeah. And don't mind my nosy questions, because I'm gonna need more details than you're giving. Exactly. So leave me up to this time when you know how old were your kids? You know, when you decided that you wanted to do this, because I think a lot of moms or, you know, single moms solo moms, divorced widows. They have that nudge. But they just don't know where, where or when to do it. So for me personally, it was there comes a point in a mom's life when you realize that you're not the center of their universe anymore, that you're not needed as much. And we're not. Right. But so for me, it was around Middle School for my kids. And they're all pretty close together. They're all three grades between them. And so for me, it was around Middle School, and it was realizing that I didn't need to be in the classroom as much my oldest started driving, which allowed him the opportunity to pick up my other kids and help. And so that was sort of the natural fit for me when they were just a little bit more independent. And I mean, I think, you know, I think that would honestly be my advice is you're gonna feel that call and some are going to feel it earlier. And that's okay. Like, I honor all women's choices, whether you want to stay home, or whether you're the type that feel like you show up best for your family when you've had some time away to focus on your work or yourself. So I feel like I just knew that I needed something more than what it was that I was doing. And that's when it sort of energetically aligned for me to find that opportunity. Excellent. Excellent. I love this. So let's dive into some questions. You know, you talk about empowering and setting big goals for women, you know, letting go of those limiting beliefs. Tell us a little bit how what you mean by that. I Well, I love this because, and I, one of my taglines is I like to help women who know how to make a lot of money, learn how to keep it, because what I have found is so many women, amazing women, they are so excellent at what they do, they don't have any issue generating income. But it's like their belief system doesn't align with them to keep it. And when you ask them where it's going, they're like, right, but it's really just excess of spending, investing in their business, a variety of things. And I think they forget about investing in themselves. And when, when high income earners, they think that to themselves, I'll always just generate more, like, I'll save that for later. I'll worry about that later. But there does come a time when people start to look, you know, it's like that bell curve, when I start to think maybe I don't want to work forever. And then they kind of panic, they feel like it's too late, or they're getting a late start, which I don't think there's ever a wrong time to start investing, I don't care how old you are, like it's never too late. And so I like to talk to women about what it is that's keeping them from holding on to that money. And a lot of times they've abdicated the role of the financial person in a relationship. And they put their blinders on, you know, the monster under the bed, we all know, he's never really there. But we've made it out to be so big in our head, that you just don't choose to look. And oftentimes, I find that people are doing pretty good if they just sort of accumulated and simplified those numbers. And, you know, I think people, depending on your roles growing up, I mean, a lot of mindset is what you were what you heard, or was modeled for you in your childhood. And so most of these limiting beliefs you didn't, you didn't mean to take them on. It's just what happened in your subconscious. And so, you know, rich people are greedy. And so a lot of times people know how to earn money, but they can't keep it because that subliminal message is that they're going to be a bad person, or they're going to be greedy. So it sort of like, doesn't stay with them. I mean, or, you know, limiting beliefs around you have to work too hard to earn money. Well, if that's the case that the, you know, people that are working outside in the heat all summer, like if it was about effort and hard work, equaled wealth, then wouldn't those people be the most wealthy people in the world, I mean, they are working super hard. So are my favorite one. I don't want to pay more taxes, which I'm like, okay, you don't pay 100% in taxes. So stop worrying about paying taxes, set aside a little money from your transactions, and embrace the fact that you're earning more, which allows you to pay more in taxes. So you really have to look at the mindset around people. Because as you and I both know, to be wealthy is simple, right? You have to spend less than you make and save your money. But if it were just as easy as that, then we'd all be wealthy. So you really have to do the inner work and the mindset shifts to really get yourself there. Hmm. I think that's key. And I think of what you do with, with women, and, you know, the widows that I work with, you know, money, or either coming into money or not having enough money, or being controlled by money now, or becoming aware of where the money was, you know, where would they start? You know, that is just overwhelming. For widows. It is absolutely overwhelming. And so I think, first and foremost, I just want to honor that feeling. It is overwhelming. It is stressful. But again, you can sort of sit there acknowledge that this is maybe not what you want to do, but you have to do it. And I think also people tend to overcomplicate things. You don't need some crazy software, you don't need an app, you don't even need an Excel spreadsheet. And I know this sounds so simple, but literally just get a piece of paper out. Start with where the money is coming from. Where do you Where do you have assets, like just listed out on a piece of paper? Where do you have income coming from? Is that from your job? Is that going to be from some social security benefits that you're going to receive from the death of a spouse. Look at all of the places that your money is coming in, and then look at the places where your money is going out and literally just listed out you You just need to get a handle on it, you need to see what's coming in what's going out. There are a lot of people who are willing to help, I often say that I love to help women who are in transition, right, those that have gone through a divorce those that have had the death of a spouse, those that are going through job changes, because they tend to come into an amount of money that is new for them, and they need help. They need help learning how to manage that. But there are, and if money is not your thing, if this is truly overwhelming, then maybe it's worth the investment of hiring a bookkeeper, you know, someone that and just on an hourly basis, I'm not talking hundreds of dollars a month, you know, just someone to help you with it. But I think it's as simple as even just getting a binder, doing some handwritten papers like keeping, just starting to organize it. You know, simplicity is one of our core values that IRC we'll just starting to organize it all into one place, when we first start working with someone, the largest barrier to entry of working with us, is when we ask people to give us their estimated income, their estimated expenses, your debt balances, and your investment balances. just pulling that together can make people just stop in their tracks. And so I'm always using language like estimates are fine, like don't get in your head about this. Like I'm trying to just encourage them. Because so many times we get so perfectionist about it. And we think if we don't have it down to the penny, you know which Listen, as an accountant, I love things down to the penny. But like you, you can get there. But to start, you just need to start labeling things. You just need to put it in one place. Even your passwords, like just start writing that stuff out. I mean, yeah, you can get way more complicated than that. But when you're overwhelmed, complicated, just adds to the fuel to the fire. So it sounds simple. But that's what I'm trying to say. It is simple. Yeah, just you got to sort of step out of that stress loop in your brain. And recognize, and you know, bite sized pieces to time, do it for 15 minutes today, walk away. Do it for 15 minutes tomorrow, walk away. Because there's a lot of blocks around money, especially if you are unaware your spouse was the person that was the money person. But, and reach out to her friend, reach out to Kathy, heck reach out to me, I will just say listen, step one, go tackle that come back. That's, you know, that's just the kindness of who we are. Like, we just want to help. You know, I, I so agree. And I I love the simplicity, whether you call it old school pen and paper, I've always been a writer. I you know, that's how I organize my thoughts. I make it simple. And I don't think it's old school. I think it makes your life easier. So I love that. And I love that you're giving us steps that really they do surround the mindset because with a loss of a spouse. There's a lot of guilt money. And there's a lot of, you know, either I don't have enough or I have too much, or how should I spend it. There is a lot we could have a series, Amy on this is my mom's my dad died young. You know, he was in his early 50s. My mom was, you know, 53. And I walked through it with her. So I completely understand it was over whelming. And you're right about the guilt that comes with having a potentially influx of money from life insurance. Right, there is a lot of stress around that. But and having dealt with that with women that I've worked with that is that's the most beautiful gift that someone has left for you, because they wanted you to feel safe and secure because they wanted you to live a good life. Right? People that are kind enough and savvy enough to have life insurance policies are doing that so that their loved ones when they're gone, aren't going to have as much stress or will have the opportunity to get themselves back on their feet and move forward. So I honor and understand that there is guilt associated with that. But it's also meant to be a beautiful gift to the person left behind. And I saw that with my mom. I mean of course you would give it back plus, double, you know to have your loved one But it does, at least temporarily make things a little a little easier until you get your financial life in order. Absolutely. You know, I think you you talk about empowering and women, limiting beliefs, you know, what are some blocks that get in their way? for money, you know, like, you know, feeling worthy of all the money in the world, you know, what, what is preventing those attitudes? Well, as women we often struggle to just receive. And I can take it down to as simple as if you struggled to receive a compliment, right? If you struggle to just receive help with someone asking, you know, if they could, you know, carry something for you, which, okay, we're in 2020. Like, things are weird, right? But you know, what I'm talking about where people can't energetically help you right now, in terms of helping you at a store, or, you know, returning your cart for you, people are funny about doing these things. But if you struggle to receive at any place in your life, then there is going to be some blocks around money, because you are struggling to receive the money. And while Yes, it's coming to you, it still doesn't feel energetically aligned. Because it feels like oftentimes with women, there's guilt associated with having money, because we look at others and think they don't have enough. And we want to help the world. And then we struggle with having enough for ourselves. And, and, or even just that I only need enough. So we limit our earning capacity. Because we're thinking, well, I just need enough to cover my bills. Well, then that's all you're an energetic match for. But like, if you can think to yourself, I need more money, this truly anything, I need more money, because I am a very responsible kind giving person, the more money I have, the better I'm going to do in the world, the more people I'm going to help in this world, right? And it's okay to treat yourself to things. That's not a bad thing. If you're working hard and coming by your money, money. Honestly, I don't want to say working hard. If you're honestly coming by your money, then treat yourself but just know that it's also I want more money. Because there's great things I want to do in this world. There are I want to have my own charity, you know, I want to be able to elevate everyone around me. And I can't do that. I can't do that without financial freedom. You can't, no, this is gold. Okay, if you're listening right now, back this up, and rewind. And hear me now, right, you are a Money Magnet, because you are going to use that money to do great things in this world. I truly believe that. I truly believe that. I do too. I I so honor that. And I think I have had money, guilt and money issues. And I felt bad for receiving this money because of the cost that it came from and feeling. feeling that I should just give it away or I should should overindulge my children or take them on lavish trips, or you know, and no more. No more. And I'm so excited for you to keep sharing this. tell tell some things like you talk about. I'm gonna shift gears here you talk about how to automate your savings. You know how to start doing that. Again, simplicity. And this maybe isn't the sexiest of topics, but I am telling you it is the secret to becoming a millionaire. So we're gonna set aside any any large influxes of cash and just speak directly to you know, there are some women who maybe didn't have a large influx of cash, right, but they still want to create financial freedom and wealth for themselves. You need to take the money out of your checkbook. You need to set yourself up for success by automatically setting up savings amounts. And this is how I grew. My husband and I grew our wealth. It wasn't because we won the lottery or had any major windfalls. It's because we just systematically every month, put money away. So I'm going to give you starting points. I'll sort of give you a little checklist if you're at a corporate position. Always, always, always max your 401k First, it comes right out of your paycheck. It is in small increments, you get a pre tax benefit for it, you get dollar cost averaging, you're buying when the markets up, you're buying when the markets down, hands down. As a financial adviser, I don't even want to take any of your after tax money until you are fully funding your 401k. So start there. From there, I think for for us, I made sure, well, you should always make sure you have an emergency fund. So from there, for 20 years, I've had a certain amount going into an emergency fund. So I actually have two, I have one that is harder to get to. Right, that is just sort of that future financial stash of cash, I call it a safety net, or even an opportunity fund. A lot of times our language really generates our feelings around something. So if using the word emergency sounds negative, you change that with that, I like to call it an opportunity fun, because then I'll have the opportunity to pay for something if I need it. So I have one that sort of really there that I try not to touch unless something really crazy happens. And then I have another one that is more like when I know I'm going to need something for the house. Or if I know I've got a vacation coming and I'm trying to save up for it. So I our paycheck comes in the door. And then literally that very next day money transfers, so it's already come out for a 401k money transfers to my two different emergency funds. For me Even I have money that will go into like $25 sometimes $50 vacation fund holiday fun birthday fun kids activity fund, I'm just always stashing money out. And then after that I have a brokerage account. So I've maxed out all my pre tax savings, my emergency funds getting funded, my house funds getting funded some of the more benign, you know, life funds, and then I do an after tax account to mine happens to be Charles Schwab, but money that goes there every month. So literally a paycheck comes in, and then I'm taking it down by all these amounts, and I'm living on the difference. And I know that doesn't seem sexy. And I know that's like not some magical secret. But this is how people grow their wealth. People I see this day in and day out, it is systematically putting money aside and living on the difference because as Americans, we tend to make more, spend more, make more, spend more. And so even if it's a little bit tighter, right now, what I would encourage you to do is if you get a raise, let's say you get a 2% cost of living raise great use 1% of that to go to your 401k you know, Mm hmm. Um, so automating your savings is I think, a critical critical step, because it just makes it mindless, you fix it, and you forget it. Yeah, that that is so key. And I, I, I like that you said, it doesn't matter if you got a lot of wealth, or have a little wealth or have a high paying job or a low paying job. Just start with $25 $5, whatever,whatever, whatever agreed.And I think part of that is because, you know, I like to say personal finances, self care. But it's also, even if you are in a tight situation, and I recognize her folks that maybe are struggling to pay their bills. There, there comes a point though, where you still have to invest in yourself, where you still have to energetically put yourself first. And when I say that I truly mean maybe it's $20 every paycheck into a savings account. And then that starts to feel comfortable. And then you bump it to 25 or 50. But investing in yourself is a mindset shift, it makes you a priority, it makes you future thinking. And so you have to start somewhere, even if it seems insignificant, and like it doesn't matter, because that stuff adds up. And then it's also going to, you'll start to get that nest, you'll start to see that 25 become 250 become 500 whether it's in you know, and then you're gonna you're gonna, you're gonna be aligned for more, you're gonna be like, I like the way that feels that feels safe. Me, especially women, we're always going for safety, we're always going for security, it's a higher need. And so having a little bit of money set aside is a safe feeling. And so that's why I think it's so important to start somewhere, even if it's small because eventually it adds up. I agree there's there's so many patterns of behavior that this affects. I mean, we become more safe, secure. confident control, we put ourselves first, you know, I, I truly don't believe it's selfish to put myself first, you know, I'm the one driving this bus. And I'm taking Everybody with me because I take care of myself first. And I love how you said it takes a mindset mindset shift, because until you start and get some momentum, Mm hmm. You know, you don't know what that feels like, absolutely, you don't know how good it feels. And I mean, I want to take literally, if this, if this is speaking to you, I want you to press pause, I want you to log on to your bank account, almost always, you can get free savings accounts, and just set up an automatic transfer 25 bucks. That's it, just set it up, and come back and then hit play. And we'll keep going. But like, take action, which is so hard. It's so hard sometimes to take action, and I recognize that. But if you get anything else today, just that just automate one of your savings opportunities today. Start there. Yeah, yeah. I, I love that. Start there. Okay, I love how you're giving this space in this audience. You know, the tools, simple steps, but really, the reason and the mindset and, and the work that women, women can do this, you can be a millionaire, anybody listening? everyone listening, everyone listening has the opportunity to do it, even when your situation right now doesn't actually match. And you can think fine, I'm going to be I'm going to have six figures, you know, start where it feels right? And feels believable to you. And then from there, you just start to level up, you know, then you'll you'll you'll get that six figures. And then you're gonna say, All right, I'm going for half a million. And then from there, you're, you know, you just, if it feels too much of a stretch, set the bar a little bit lower, make it make it a little bit of a stretch. And then when you get there, you're going to be like, heck, yeah. And you're going to move on to the next one, I guarantee it's going to happen. it's sometimes hard to see it in that space. But that's why you have people like me and Kathy who are like, yes, you can. You absolutely can. You just got to get through it. Ya know, we'd always love to, like, people love to want to skip the beginning in the middle and just get right to the wealthy part. Wouldn't that be ideal? But it doesn't always work that way. So just know you're gonna get there. Exactly. And in anything we we work on. I mean, I think you know, how many Monday diets did I start? And then then expect by Thursday to reach my goal, right now and then to get there, but by Thursday, I should be correct. Yes. And then we reset again. And what Amy is telling us that if we open up that savings today and automate it today, you know, it's not like we have to reset it. We set it on Monday. Yeah, you're not you're not repeating the pattern again. Because what happens is, folks think, well, I'm gonna pay all my bills, and then I'm gonna save what's left. Okay, well, then what's fun, and I, I'm all about fun, let me be very clear. You need to enjoy your life. I do not want you on the beanies and weenies done, okay, like I want you to enjoy your life. But what I want you to enjoy is your I want your fun to match your financial position. I don't want your fun to match Kardashian financial position, right. So some, for some people that might just be eating out a few times and treating yourself to not making dinner for some people that might be a manicure and a pedicure. But that doesn't mean it's the Louis Vuitton bag, you know, because you had a when it can be that when you get to that level, but oftentimes I see people their fun doesn't match their financial position. And then you're digging yourself a hole and I want you to not think about it in the negative. I want you to think about what you get to do. Not what you don't get to do again, back to mindset. But you know, I get to eat out tonight. That's fantastic. You know, I get to treat myself to a pedicure. That's gonna feel amazing. But take your you know, and maybe it's a road trip to the beach. And not a first class trip to Europe. So enjoy vacation, but keep it to where it makes sense for your financial position. So that you're not digging yourself in a hole that is harder to get out of. Absolutely. You know, it's about alignment and staying in balance and being square with that girl in the mirror, you know, I would love a Louis Vuitton bag. But if I bought it right now, I would be carrying baggage, financial baggage, guilt, all of those things, because it does not align with where I want to go financially. I love that alignment. I love that word, too. And I'm here to give some tough love to people. If you can't pay your credit card balance off at the end of every month. You're spending too much. You know, I mean? Yeah, it's kind of a duh. But sometimes people just need to hear it. Like, if you if you are constantly carrying a balance, you're living beyond your means. So my advice is to figure out how to make more, I am less of a spend less person, I'm definitely more of a How can you make 20% more. I mean, we live in America, the side hustle is a real thing, you know, online entrepreneurial space. I mean, we're surrounded by these amazing people, KATHI, that are just blowing it up. And it's not a huge cost of entry. Right? Right. They're just creating these amazing programs, there's tapping into their zone of genius, and they're offering it to someone else. And a lot of them have full time jobs. They're just doing it on the side. So I'm less of a crash diet, like, cut everything out, because we all know those aren't successful, you got to have fun. So how can you make a little bit more money out mentally and not spend more? Yeah, right, like make more, save more, pay off your debts, and enjoy your life. Enjoy that freedom? Absolutely. And, you know, Amy and I met in this mastermind class with Chris and Laurie harder. And we've we have been exposed to all the variety of ways that you can increase income, build wealth, have a money mindset, that I mean, I have, you know, I have a past of credit card debt, you know, spending way too much at the makeup counter, you know, going on trips I couldn't afford, and, you know, over the course of many years, you come to that holy shit. moment that my kids are gonna be taking care of me, and you've got to change. And, you know, this is my side gig, this is how I am earning extra money. I'm, I'm a professor, I teach at the university full time. So it anybody can have a side game than anyone. And it doesn't even really have to take a ton of time and tech, if you can really just tap into what you know, to be your gifts, and figure out a way to share those with the world. It's pretty amazing. It's fascinating, really, how people can monetize their deaths. Oh, and we sure have seen that, you know, in our, in our mastermind, and on social media, I mean, people are just doing amazing things, and getting paid for it and getting paid for it. And there's there's an energy and an infectious energy when you are doing things in service to others and in purpose. And what brings you joy? Yes, you know, when it doesn't feel like it's a push and a pull, it's just an ease and a flow. Then you know, you're in a space where like, great things are gonna happen. Yeah, I agree. So tell tell us some more secrets of becoming wealthy, you say, you know, mindset gratitude giving? Yeah, so a huge one. For me. I you know, I love to automate your savings. That's pretty tactical, I love to you know, I love to give specific steps. And, you know, we've talked a lot about mindset, but I cannot. I can't tell you enough. How giving, gratitude and giving are so crucial to becoming wealthy. I've said this several times, but you know, when you sort of live your life with your fists really tightly closed, you know, you don't want to share of your time of your talent of your wealth. I mean, when you're held tightly close, they're not. They're not available to receive anything, right, like when your palms are open, is when the opportunity comes for you to receive. And money is an energy. It's a flow, right? And so In order to be open to receiving, you have to recognize that it is an exchange of energy. And I love that I have the opportunity to give in a monetary way. But that wasn't always the case that when I was the first day at home, mom and my kids were little So, but what I want to encourage people to realize is you can always give up your time, you can volunteer, you can help in a variety of ways, you can give up your talent, whether that is an actual skill, you know, whether it's carpentry, whether it's bookkeeping services, whether it's just holding space for someone, and sitting with someone and listening time and talent are, quote, free, and you have those to offer. And so even if your treasure, if your wealth isn't there, yet, it will come but living in service, with gratitude with a giving mindset. And evidently, levels of who you are, and what you're open to receiving. And it's such an important part of the wealth journey, and the wealth puzzle, and how you are open to having more and more flow to you. So, to me that. I mean, it goes in with mindset, but it's just so critical to you,