Welcome to episode five of Keep Finance Queerd!! This week we are going to unpack what it means to have a scarcity or abundance mindset when it comes to money. This episode will break down the money mindset spectrum, and how your money mindset is created. I dive into the various systems that may be keeping you stuck in scarcity and how to define what abundance means to you. You'll walk away with tips and advice to feel more abundant around money and break down the systems contributing to scarcity.
We will talk about:
- what scarcity, abundance and money mindset are
- the money mindset spectrum
- how your money mindset is created
- the impact your mindset has on your finances
- the systems that keep you in scarcity
- what financial abundance means to you
& actions steps to implement that will improve your money mindset!
HYSA for Americans: https://www.ally.com/bank/online-savings-account/
HYSA for Canadians: https://api.fintelconnect.com/t/l/6148f2ae917fd4001d3b2953 *
*affiliate link
Join the Queerd Community:
INSTAGRAM: https://www.instagram.com/ellyce.fulmore/
TIKTOK: https://www.tiktok.com/@queerd.co
WORK WITH ME: https://ellycefulmore.com/
Welcome to episode five of Keep Finance Queerd!! This week we are going to unpack what it means to have a scarcity or abundance mindset when it comes to money. This episode will break down the money mindset spectrum, and how your money mindset is created. I dive into the various systems that may be keeping you stuck in scarcity and how to define what abundance means to you. You'll walk away with tips and advice to feel more abundant around money and break down the systems contributing to scarcity.
We will talk about:
- what scarcity, abundance and money mindset are
- the money mindset spectrum
- how your money mindset is created
- the impact your mindset has on your finances
- the systems that keep you in scarcity
- what financial abundance means to you
& actions steps to implement that will improve your money mindset!
HYSA for Americans: https://www.ally.com/bank/online-savings-account/
HYSA for Canadians: https://api.fintelconnect.com/t/l/6148f2ae917fd4001d3b2953 *
*affiliate link
Join the Queerd Community:
INSTAGRAM: https://www.instagram.com/ellyce.fulmore/
TIKTOK: https://www.tiktok.com/@queerd.co
WORK WITH ME: https://ellycefulmore.com/
Hi friends, welcome back to another episode of Keep Finance Queerd. If you missed the last solo episode, I walked through the four financial steps to take to set yourself up for success with your money, and I also dropped a free resource called The Financial Audit that will help you you figure out exactly where your starting point is in your financial situation. The goal of that episode was to help you feel more confident with your money so that you can feel more ready and open to the other episodes that dive into deeper topics around money. Like this one. Definitely go listen to that episode if you haven't already, and it will explain how you can get your hands on the free financial audit and also make sure that you listen to our last guest episode was Nina, which was also so incredible. Today we are going to be discussing the idea of scarcity and money and whether scarcity around money is due to your mindset or the system or both, and how you can begin to understand and navigate the scarcity that you might feel around money. My goal is that this episode will be a safe space that gives you permission to explore parts of yourself and your relationship to money that you haven't considered before. There will be some educational content in this episode, but also lots of me just discussing my thoughts and the intersectional nuance that surrounds this topic, and then we will finish off with some tangible takeaways and action steps. Okay, so get comfy and let's get into it. Hi there. Hi, I'm Sydney. My name is Rebecca. I'm an autistic kid woman. I'm Jane. I'm a first generation Latina. I am a single mom and a survivor of domestic abuse. I am an ADHD plus sized millennial on the autism spectrum and Add creating other problems in itself. Even though I bring in decent money, I struggle with staying ahead of everything. I am now struggling to pay off my debt. My traumatic brain injury means that it's hard for me to concentrate long enough to sort out my finances. The hardest time managing my finances my parents were never able to teach me. I love my Starbucks habit and I'm not giving it up and you don't have to. In this episode, I want to talk about money mindset and specifically how a scarcity mindset might show up for you, but also the other factors that play into that. This is my perspective, and obviously mindset becomes much more nuanced because of systemic and historical oppression. I also want to recognize that everything that we are going to talk about is a lot easier when you hold societal privilege versus when you hold multiple marginalized identities. A Disclaimer before I dive too much into a money mindset is that it's also important to consider the other intersectionalities at play. Part of this episode will be attempting to isolate the concept of money mindset to help you understand, but in reality. There are other contributing factors, such as trauma, mental health systems of oppression, et cetera. And I will also be diving a bit into that everyone's experience will be different, but I hope that you can relate some of these examples back to your own life. Okay, so first we need to go over a couple of definitions so that we're all on the same page. So let's talk about the definitions of scarcity, abundance, and money mindset. Scarcity is the state of being scarce or in short supply. From an economic standpoint, scarcity refers to a gap between limited resources and theoretically limitless wants. If you grew up in a low income household, then you probably experienced scarcity at some point in your life and maybe not having enough money to maybe buy dinner or not have enough money to get new shoes for school or whatever that might look like. And obviously, scarcity can show up in a lot of different ways and in different forms. And I'm pretty sure that everyone listening has experience scarcity in some way, whether it was with money or a different resource at some point in their lives. Now, the word abundance in the dictionary is described as a very large quantity of something. But I feel like that doesn't really encompass what abundance means, because part of abundance is the idea that there's more than you could ever need. There's an abundance. There are so many of something. There's so much of something that you would never have to worry about kind of running out. That's how I like to think of abundance, especially as it applies to money mindset. Which brings me to my last definition, money mindset. And this is the way that you understand and think about money based on your lived experience, values, and beliefs. So in order to understand a little bit more about money mindset, I want to talk about something that I like to call the money mindset spectrum. I want to do a little exercise before we get into more of what money mindset is and the money mindset spectrum. And what I'm going to do is I'm going to say a couple of words, and I want you to think about what comes to mind when I say those words. So I'll say one word at a time, and I want you to pay attention to what feelings come up, what emotions come up. Also pay attention to what's happening in your body. Like, how does your body react to hearing those words? What are kind of like the immediate thoughts that come into your head? What is your bodily response? So I want you to think about that as I'm saying these words. Okay, so the first word is money. So just take a second to think about how that really feels and what thoughts come up when I say the word money. Like what emotions immediately bubble up to the surface? What words are coming to your mind? Maybe jot some of those down so you don't forget. Okay? The next word is debt. Okay? And now success. And the last one, wealth. Okay. So hopefully you're able to get a couple of notes down on how you felt or if you're listening to this on the go, just kind of reflecting on how your body and mind responded to those words. And this is kind of something that can give us an initial indication of where your relationship might be at with money. So if you felt a lot of really negative emotions come up, or really positive emotions come up, or you felt your body kind of like shrinking, or maybe you felt like more of an opening up or like a lightness in your chest, whatever that was, those can be indications that can help us when figuring out where we're kind of falling on this money Mindset spectrum. So let's talk about what the money mindset spectrum looks like so that you can get a better idea of where you might fall on it. So I'm a firm believer that it is a spectrum. It's not a binary. And I think that's also helpful for realizing that you can shift back and forth up and down that spectrum in different situations depending on how you're feeling. And it's not just about having a good relationship with money or a bad relationship with money or having a good mindset or a bad mindset. There's a whole spectrum of areas that you could fall. So I like to view the two ends of the spectrum as unhelpful money mindset, and then the other end of the spectrum being helpful money mindset. And the reason why I like to label them as unhelpful and helpful instead of using other words is because the idea is that your mindset around money is not the reason why you're struggling with your finances. There's obviously a lot more going on. But when we think about mindset, we can make some changes so that our mindset is helping us more rather than being unhelpful. Obviously, a lot of systems exist that we can't dismantle in a day. So it's more about looking at your mindset. And is it helping you as much as it can, especially when you're facing these other barriers. So that's why I like to label it as unhelpful and helpful, because on one end, your mindset isn't helping your situation. On the other end, it is helping your situation. So let's start with the one end of the spectrum, unhelpful money mindset. So if you have an unhelpful money mindset, you are operating from a place of scarcity when it comes to money. You most likely have a lot of negative emotions attached to money, like fear, anxiety, shame, guilt. And these might have been some of the things that came up for you in the previous exercise we just did. You avoid money or avoid your bank account. You engage in some sort of self sabotaging behavior, most likely like over spending, hoarding lifestyle creep, impulse spending, things like that. And you're in a toxic relationship with money. I'm sure most of you know what it's like to be in a toxic relationship, whether you've been in it yourself or heard about it from somebody else. So being in a toxic relationship with money, it's not a healthy relationship. It's not helping you in any way. It's probably a lot of like, back and forth, lack of communication, lack of trust, those types of things. And that's how you might feel towards money in this moment. If you're operating on the end of the spectrum at an unhelpful money mindset, now on the complete opposite end of the spectrum is helpful money mindset. So if you have a helpful money mindset, you are operating from a place of abundance. You have positive emotions attached to money, like excitement, attraction, safety, trust. You are confident around money and feel confident dealing with money. You actively are improving your behaviors and habits around money. So actively working on that relationship and constantly trying to kind of do better. And you're in a healthy, happy relationship with money. Now, if we go to the middle of the spectrum, I like to call that a neutral money mindset. So right in the middle, you are operating from a place of indifference when it comes to money. You have very neutral emotions attached to money. So not a lot of negative emotions, not a lot of positive emotions, just kind of neutral. You feel decent about money, like you feel okay about it, but not great. And you're not sabotaging your success. You're not engaging in self sabotaging behavior, but you're also not contributing to it. So you're not doing anything kind of extra to get yourself ahead. And I like to think of this in terms of a relationship. You're like an acquaintance of money, so, you know, it's not a really healthy relationship. It's not unhealthy. It's just someone you kind of just met or are just getting to know. Okay, so that is like the end, middle and other end of the spectrum. And like I said, you can kind of fall anywhere within that spectrum. And it can be helpful to kind of start thinking about where you might fall when it comes to money mindset and how you're currently feeling about money and your relationship with money. And that will help as we progress through this episode, too. And you start to identify areas that maybe you could work on. All right, so now you have an idea of what money mindset is and what the spectrum looks like. Now you're probably wondering, how is your money mindset formed? And I think this is an important thing to talk about because sometimes just understanding how you formed these blocks around money, how you came to this mindset around money can be really helpful in moving forward, because a lot of times we don't even think about these things. And no one has ever asked us. So just understanding where the route might be can be really helpful. So I'm going to briefly talk about how your money mindset is formed. But there is a lot that I could go into around this. So I'm going to try to keep it pretty brief. So the first way that your money mindset is created is from the way that you were raised. So this is essentially your childhood, and this can involve things that your caregivers or parents directly taught you or sent to you. So if you did get taught anything about money growing up, this would be included under this section or anything they said to you. Any kind of like phrases, money doesn't grow on trees. Money is the root of all evil, those types of things. You also learn a lot from the way that they acted around money. So as children, we are sponges and we soak up so much around us. So even us being in a room with our parents or caregivers and seeing the way that they acted around money or spoke about money or maybe argued about money, we will soak that up and internalize that and also like what we just observed. So even just seeing how they made decisions or things they did, even if it wasn't explained to us as children, we will form beliefs in our brain just based off of what we observe as children. And a lot of people don't know this, but children understand like money concepts as early as the age of four. And actually, a lot of your financial behaviors and habits are ingrained by the age of seven, which is so crazy because a lot of children don't even have access to money at the age of seven. Yet so many of our financial habits are ingrained just from the things that we learned from our parents. So this is a really powerful one that contributes to your money mindset. And another thing that is included under the way you were raised is also intergenerational trauma. So trauma that has passed through generations can also really affect obviously your parents are caregivers, and that kind of is reflected on to you as well. And that can be a big thing that also contributes to your money mindset. Even if, say, your parents were equipped with the tools to give you more of a financial literacy or education background, they could still be unknowingly passing on some of that intergenerational trauma. If you have experienced trauma in your family, you know that it's hard to break that cycle. So that's the first way that your money mindset is created. Now, another thing that contributes to the way that your money mindset is created is your lived experience. So we're kind of thinking past childhood here. So from the time that you kind of became more independent to the age that you are now, your lived experience through that would also contribute to your money mindset and this would include past experiences that you've been a part of, things that you've seen other people do, or experiences you've seen, like your friends and family go through, especially when it comes to money. Any traumatic events, even if it didn't have anything to do with finances, traumatic events can really affect your finances systems of oppression. Of course, who you surround yourself with. So who are the closest people in your life, like your friends, your family, co workers? All those people will also contribute to your money mindset and education as well. So like any other additional education that you might have received will also play into this. So we've talked about the way that you were raised contributes to your money mindset, and so does your lived experience. Now, the next thing that contributes to your money mindset is your current beliefs. So your current beliefs are created from everything that I've covered previously, and these basically conform, limiting beliefs when it comes to money. So you basically just have a mindset block around certain things when it comes to money. So you believe certain things to be true that may or may not be true, and your brain interprets them as fact. So maybe you believe that it's not possible to ever be debt free, because maybe that was the way that you were raised and you've never seen anyone in your life, in your family, in your situation, become debt free. And so you would believe that to be a fact. Your current beliefs are your subconscious driver of behavior. So the current beliefs that you have will dictate how you act in situations and how you make decisions, and often without you even realizing it, because it's subconscious. So when you're thinking of what you want to do in a situation or if you want to buy something, your brain has already made a lot of that decision already subconsciously without you even realizing it. And that's built off of your beliefs and the mindset that you hold around money. All right, so now I want to get to the kind of nitty gritty part of this episode, which is talking about how your money mindset actually affects your finances. As someone who works in this realm, it can be really problematic if you're not coming from an intersectional lens when talking about money mindset, because money mindset has often been manipulated to mean that systemic financial inequity somehow connects to personal failure or blame. And I think we hear a lot people saying things like, you just need to manifest what you want, and you can manifest more money and you can manifest your dream job. And if you just had a more positive mindset, you wouldn't be living in scarcity, you wouldn't be experiencing poverty. Like, you just need to believe in yourself and your ability. And I think that that narrative can be very harmful because it does place the blame on the person and saying that you're not trying hard enough, your mindset isn't good enough, you don't have an abundant enough mindset. And it's like the blame falls on the person when in reality there are so many systems that are working against that person that are out of their control. So that brings us to the question, if you're living in scarcity, is it your mindset or is it the system? And the answer is, of course, it's both. So when we're talking about the system, there's obviously a lot of examples of how this contributes to scarcity. But one example that is pretty well known, I feel like, is the idea of minimum wage currently minimum wage, at least up here in Canada. And I know for a lot of States in the US as well, they are not a livable wage. So the wage that is set as a minimum wage for the province or state is not actually a wage that someone can live off of. So that is an example of the system being responsible for a lot of the scarcity because not everyone can go and get a University degree. Not everyone can go and get high paying tech jobs. There needs to be people that are working at these jobs that pay minimum wage. But minimum wage should be a livable wage. Everyone should be able to afford their basic living. Another example that I'm aware of is if you are disabled and you're collecting disability from the government, that the disability checks are absolutely ridiculous. They are so small. I know it depends on kind of what you're able to get approved for and what like province or state that you live in. But I've heard a lot of people that get like$$500 to $800 a month, which is just mind blowing. And especially when up here in Canada, we had the emergency response benefit come out for COVID, and the government kind of set it at $2,000 a month was what you needed to survive, which for a lot of people of that's not even enough to cover your living expenses. But that was so crazy considering that the amount that they were giving in disability checks was lower than $2,000 a month. So that's another system because literally the government was like, hey, you need $2,000 a month to live. Oh, but you're disabled, so we're not going to give you that. That's so messed up. And that's another example of that system is keeping those people in scarcity. And it's something that's out of their control because they might not be able to work or get additional streams of income. Also, as I mentioned, of course, there are systems of oppression that are at play that's obviously other systems that will keep you in scarcity. Also, growing up in a low socioeconomic neighborhood, living in poverty, growing up low income, the capitalist system, as well as systems of oppression are designed to keep people in poverty because that's how the capitalist system works is that some people need to be really, really rich, and some people need to be living in poverty. So that's another example of, like, it's very hard to get out of that system and you can't mindset your way out of poverty. Right. Like, it's not about having a more positive or abundant money mindset. It's not going to magically make you make more money and suddenly not be living in poverty. So another big one is like, talking about workplace. And I think that a lot of people where they work is not a safe space. And it can be really challenging if you're working in an environment that does not allow you to even imagine what it might be like to change your situation. So I think most people can probably relate to having the experience of one point in your life where you were spoken down to by a boss or you just felt like this was the kind of energy in the workspace of like, you are where you are right now, and that's where you're always going to be like, you're not going to move up, you know. And I know that I've been in situations like this, and I know that it's a lot different for people that hold more marginalized identities where you don't have the ability to break the mold. Right. You're kind of in this spot. And even if you want to change or, like, get promoted or negotiate a raise, you're stuck because of the systems working against you. Because when you're in an environment that does not feel like a safe space, then basically what's happening is the systems that are in place are affecting the mindset of the individuals that are trying to do the work. So even if you are actively trying to improve your mindset and operate from an abundance mindset, those systems are also pushing against that, because it's really hard to practice abundance when you're in an environment that is unsafe. And that is telling you that you can't move up. Like, you're not going to move up, you're not going to be successful. And while we're on this example, I want to talk about a couple of things that we can do in this situation. One of the big ones, especially if you are someone who doesn't experience a lot of oppression, is advocating, advocating for those people that hold marginalized identities and that don't have the privilege that you have. And, you know, sharing your salary, being transparent about your salary and speaking about it with your coworkers is also a huge way to break down these barriers. Because we know that women get paid less than men. We know that black women get paid less than white women. Latino women get paid less than both black and white women. There's a lot of inequity in the workplace. And so this is one great way that everyone listening can help with that is advocate for those people that you can. If you're in a situation where you can do that safely and also be transparent about your salary and speak about that openly with people to get that conversation to be less taboo and to uncover a lot of the inequities that exist. Obviously, in the long term, a solution is burning down corporate systems and joining unions, having more unions. I know that right now, like Starbucks is trying to unionize. I've been kind of following that story. There's a lot going on there. But that is one way to kind of break down these systems. Those are just some examples of how systems contribute to scarcity, and those are independent of mindset. Like, even if you had the most abundant money mindset in the world, these systems would still be present and would still be barriers for you that are holding you back. So now that we've talked through a couple of examples, I want to move on and talk about what it looks like to come from a place of financial abundance. So when we're talking about financial abundance, one of the most important things for you to do is actually define what financial abundance means to you. Is financial abundance a number in your head that exists, or is it a feeling? So, for example, does being financially abundant to you? Does that mean being able to travel whenever you want and wherever you want and owning your dream home? Or does it mean treating yourself to a latte without any guilt? If being financially abundant is a number, what is that number? Is that making $100,000 a year? Is that making a million dollars a year? Like, what number do you feel like you would need to be financially abundant? Or maybe the number doesn't really matter to you as much as the feeling. So in that case, what would it feel like to be financially abundant? How would you know that you've reached this point of financial abundance? What would you need to feel to know that you've gotten to that point? And I want you to really reflect on that, because when we're talking about scarcity and abundance and trying to cultivate more of an abundance mindset, it's really hard to do if you don't know what abundance looks like for you. So I really want you to reflect on that and really clearly define what financial abundance actually means to you, because it's going to look different for everyone. Everyone has different definitions, and the same thing kind of applies to the idea of wealth, too. Everyone has a different definition of what wealth actually means to them. So I want you to think about that and take some time to just get clear on that definition for yourself. I've been blabbing on for a while now, so I want to wrap this episode up and talk about some of the things that we can do to work on our money mindset and make ourselves feel more secure and safe in the situation that we're in. So the first thing I want to talk about is just some more general things that we can control when it comes to our money mindset, specifically when trying to cultivate more of an abundance money mindset so we can focus on opportunity and growth where it exists in our life. So focusing on where we can find more opportunity, different opportunity where we can grow and improve, focusing on that rather than maybe the things that we don't currently have. And that's of course, easier said than done. Another one is getting clear on your priorities and what's most important to you. So really understanding again, what's your definition of abundance and what's going to get you there and what are the most important things for you to put your time and energy towards. Because sometimes I think we get really caught up on what society tells us we should do and what the next steps we should take and what we should be focusing on and how much we should be working and all of these things when in reality it might not actually apply to the lifestyle that you want. So get clear on what those priorities are and focus on those. Another thing we can control is our language. This is a big one. So using words like I can't, I should, I wish those are just generally more kind of negative phrases as opposed to like I am capable of, I am learning. I want to try to do this. Things like that. Your language really makes a difference. The things that you say every day just help also dictate your reality. And this kind of brings me on to the next one, which is stop telling yourself the narratives that the world around you is already saying. The world is telling you you'll never make money, you have to be born into wealth, you can't break generational curses, et cetera. You know, the systems around you are already saying these things so you don't need to contribute to those narratives. In my recent interview with Nina, she mentioned all the things that are working against her. Being a child of immigrants and an Asian American woman, she talked about all these systems are working against her. So why wouldn't she be her biggest hype woman for herself? Because she doesn't need to add another kind of layer on top of that. So that's another thing that you can control is like working on telling yourself different narratives and not contributing to those outside narratives that are already being placed on you. All right. Other things that you can do is really focus on your healing. Healing your inner child healing and working through childhood trauma. If you are able to access a therapist or mental health resources, that can be extremely beneficial to work through some of the trauma that you have around your childhood, around money. Another really big thing that I touched on earlier was just identifying the source of your mindset and of some of this trauma, like identifying the root of where this started and where this came from, can sometimes just be super helpful in helping you be more aware of it and recognize it. I found that for some of my money mindset things, just knowing how it formed and making sense of that really helped me to be more conscious of it moving forward. And sometimes it's really just about recognizing that you've had some shit happen that led you to this point. Whether it was something familiar or trauma, you've had some shit happens and shit went down. And it just might take some work to shift your way through all of that. And I'm saying it just might take some work, but that's downplaying. It it will take some work. It might be a lot of work, but just the act of recognizing, hey, I had these things happen. That's why I am who I am today. That's how I got to where I am. That's why my finances look like they do sometimes it's just like a release knowing that like, yeah, I did go through some stuff. This is where I am now. And knowing that it's not your fault, it's not really anyone's fault. It's a lot of factors that are at play. And what we can do moving forward is just focus on the aspects that are in your control. I just gave a bunch of examples of things that aren't super tangible. So let's talk about some tangible examples. So probably the biggest one I have is having savings and specifically an emergency fund. And I know a lot of you have probably heard me talk about emergency funds a lot. I do it on all my channels quite a bit. But an emergency fund is essentially a savings account that will be there to protect you from unexpected expenses that come up. So I recommend having three to six months worth of your monthly expenses saved up. So whatever you need in a month to pay for all of your bills and everything you need to survive, multiply that by three or somewhere between three and six months to find your total and work towards saving that up. And that can really help to bring a lot of feelings of safety and security, especially when you're maybe feeling unsafe in a lot of environments. And this also can really help with a lot of the systems that I mentioned, too. And again, it might not be possible for you to put money away into savings right now because of those systems. But if you are able to, this can really help you to progress and hopefully change the situation that you're in. So I really recommend with savings, start small with whatever you're able to, like $5 a month, set up an automatic transfer so that$5 goes into a high yield savings account. And I will link my favorite ones in the bio if you want to check those out. But automate $5 a month to go into your savings account, and then you can slowly increase that as you're able to. So as you feel more financially secure, or maybe as you start to make more money, you can up that amount as it makes sense for you. But working on building up a savings account is a great way to help you create more safety and security when you are operating from a scarcity mindset. So those would be some of the tangible action steps I would recommend that you go and do right after finishing this episode. Okay. So I feel like I've just been talking for so long. I really hope that this resonated with a lot of you. I hope that it made sense. I feel like I was just word vomiting for a lot of that, but I feel like I have a lot of thoughts when it comes to scarcity and money. And it's obviously a complicated topic because there's a lot of factors to cover and to discuss. So I know that some of you listing maybe did not relate to some of the examples, but hopefully you're able to pull away some tidbits that relate to your life and kind of wherever you're at. I think it's important to recognize too, that a scarcity mindset can affect anyone regardless of your financial situation, and you could be living quite comfortably and still have a scarcity mindset. So all of the action steps that I gave, the tangible and the less tangible ones are very important to work on and just like really working on moving along that money mindset spectrum and getting to a place that is more of a helpful money mindset and eventually experiencing what it's like to have financial abundance. So I think the biggest thing from this episode that I hope that you walk away with is just a greater understanding of your money mindset in general and where you might be sitting an understanding of what it means to be in a scarcity mindset versus an abundance mindset, a very clear definition of what financial abundance actually means to you and as well as just maybe some action steps that you can go forward and do to feel a little bit better about the situation that you're in. I always like try to end the episode that I have more to say. I just also want to add that this episode is not meant to make you feel guilty or shameful about where you're at currently. A lot of people experience scarcity around money, especially right now during the pandemic that has really been heightened. And so I really want you to practice showing yourself kindness and compassion during this moment and maybe some of the feelings that came out for you during this episode because you're just out there doing your best and that's all you can do. We're all just trying to survive a pandemic. It's a lot. So give yourself some Grace, give yourself some kindness. You're doing the best you can and hopefully this episode just equipped you with a couple more tools to make some changes and to work on shifting your mindset around money. Thank you for being here. Go get started on those action steps and I will talk to you in the next solo episode. Bye friends, if you enjoyed this podcast episode, we'd love it if you would share a screenshot on your social media and tell us what you loved about it. If you'd like to support the podcast, you can subscribe to the show rate and leave a review on Apple podcasts or Spotify. I will be donating $1 for every review left in the first six months to organizations our podcast guests have chosen. Thank you for listening and remember to keep finance queerd.