Breaking Down Millionaire Mindset Blocks with Sarah Nemecek

Welcome to today's episode! I'm thrilled to be joined by Sarah Nemecek, a seasoned life and business coach specializing in assisting C.P.A.s. In this episode, we delve into the Top 3 Millionaire Money Mindset Blocks.  

We uncover the effects of separating your morality and money, and delve into the consequences of avoiding financial realities while claiming "money doesn't matter.”

But that's not all—we also tackle the concept of keeping one's financial status confidential. We explore the boundaries and limitations of this notion while highlighting the empowering advantages of open conversations about personal finances. Furthermore, we explore the transformative effects that can emerge when challenging self-perceptions of financial inadequacy.

Tune in for a thought-provoking conversation that holds the potential to pave the way towards a more prosperous future.

Key Highlights

[00:00:00] Sarah’s background 

[00:01:42] Introduction to today’s topic: Main money mindset blocks

[00:02:05]  Block #1: "It's just not about the money" 

[00:03:04] The impact of disconnecting motivations from finances

[00:05:12] Using the "money doesn't matter" notion to avoid financial realities

[00:06:49] Harmonizing passion, service, and financial importance

[00:11:45] The misconception of keeping financial status confidential

[00:13:08] How keeping financial status confidential holds you back

[00:22:45] Benefits of having open conversations about personal finances

[00:28:07] The self-perception of being inept with money

[00:32:10] Some fears that most people have with money

[00:34:52]  How genuine security arises from personal capabilities, not just financial assets

[00:41:52] Words of wisdom to the people who feel they are bad with money

Notable Quotes

●      The thing about the money mindset is it's constantly a work in progress. It's something that even as I've, I've experienced. I'm sure you can talk about your experience too. Even as I started to hit these different wealth-building milestones, I still had so much work to do on my money mindset.

●      I hear that from anyone who does not want to grow or wants something different but feels like they can't have it. Like it's, that struggle with money is evil. And then, if I wanted it, I would be evil. And so I shouldn't want it. Like It's so, there's so much involved in that tiny statement. And the thing is, it's, it is about the money, but not in the way that we think it is. It's always so many other little things in it.

●      It’s much more interesting when you admit that you have money, wants money, and are pursuing money, and it just opens up so many more things in life, so many more experiences for sure.

●      Not wanting people to know you have money keeps everyone small. Because if you show up and let people know that you have money, it shows what's possible. It opens up doors, and by you learning to be comfortable with it, it lets other women learn to be comfortable with it.

●      Your biggest asset is not your money, house, or investments. It's you and your ability to go out and make money. And

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Transcript

0:01

Hello and welcome to the Holistic Money Podcast. I'm your host, certified financial planner and money mindset coach, Whitney Morrison. Over the past seven years, I've taken myself from credit card debt and no savings to a seven figure net worth. I did this without a budget or a restrictive money plan, but instead smart, sustainable wealth building strategies combined with changing my relationship with money. In this podcast, you'll learn the ins and outs of my no budget philosophy, practical wealth building strategies, and key mindset shifts to make it happen. There is no shortage of information out there to tell you what to do with money, but teaching you how to think and feel about money, that's my secret sauce. If you've been waiting for a podcast that gives you actionable strategies to not only build wealth, but also feel really good while you're doing it, then you're in the right place. Let's get started.

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sarah Nemechek, I am so excited to have you on the podcast. How are you doing? I'm doing well. Thanks. I'm excited to be here. Yes. So for those of you that don't know Sarah, Sarah is a wonderful friend of mine. She's also a life coach. She works specifically with CPAs and let's just really quick tell everyone the way that we met because you actually found me online in a, I think it was a Facebook group and I was complaining about some of my own money mindset. And I remember that you've reached out and you were like, Hey, I've totally been there before. I work with a lot of clients on money mindset. Let me know if you ever want to hop on a call. Do you remember what that was about specifically? I don't remember exactly what it was, but I had heard you actually on a podcast way before that. And then when I saw you in the group, I was like, Oh my gosh, here's this woman that I've been like thinking must be some kind of God who has it all together and then you're in there. I was like, oh, she's just a normal human. Let's be friends. Yeah, and it just kind of took off from there. It's crazy. Yeah, and I think that is the thing about money mindset is it's constantly a work in progress and it's something that even as I've, I've experienced, I'm sure you can talk about your experience too, but even as I started to hit these different wealth building milestones, I still had so much work to do on my own money mindset. And that's exactly why I wanna do this episode today because I know you have a lot of experience with money mindset and coaching people on their money mindset. And I just wanna talk about some of those main money mindset blocks that we've experienced personally. And that we see externally within our client base to help start to debunk some of these limiting beliefs in ways that we see our clients and ourselves playing small with money that ultimately just limit us in the world. So I thought that that's what we could do today, given the fact that we both have a lot of experience in this, and I think we should just use this episode to... tear these beliefs down. What do you think? I think that sounds great. Okay, cool. So the first thing that I know you've heard a lot is it's just not about the money. What do you think about that one? I hear that from anyone who is not wanting to grow, wanting something different, but they feel like they can't have it. Like it's that struggle with money is evil. And then if I want it, I would be evil. And so I shouldn't want it. Like there's so much involved in that one little tiny statement. And the thing is, it's, it is about the money, but not in the way that we think it is, it's always so many other little things in it. Yes, absolutely. And it's almost like people really feel like they're approaching their work with, from like a, a moral high ground. Saying like, it's not about the money. It's, it's about love and service and giving back. So what they do is they decide that they're going to choose, okay, am I going to be a good person here and not focus on the money? Because if I do focus on the money, then clearly I'm not a good person. I want to just explore that a little further, this idea that something isn't about the money or it shouldn't be about the money, because what do you think personally that does for people when they have that kind of thought process about the work that they're doing? I think it keeps them really stuck because yes, money will take you a little bit, but there's a point where why would you keep going just for the money? Like, let's say, you make. A hundred million dollars. You, in theory, might be like, why would I keep going for the money? You probably would keep going, but not for the money. You'd be going because you enjoy the work, you care about the thing that you're doing. But, if you're only thinking that you're doing it because of the thing that you care about and you're shunning the money, you're probably going to get kind of tired and burned out and not be able to take care of yourself. It's like that oxygen mask thing, like, you have to take care of yourself first. If you want to help other people. Otherwise you're going to burn out, you're going to start resenting the people that you're thinking you're helping. You're going to just kind of shut down. And, you know, while you don't have to do it for the money. You do need money involved in there, and I think it's a balance of accepting that money plays a role in things and can actually help you do even more of whatever good that you're trying to do in the world. I absolutely agree. The reality just like you said is that money's not going anywhere if you want to go do anything in the world if you want to eat If you want to have a roof over your head, if you want to take vacations if you want to wear nice clothes, then it involves money and this idea that we want to not think about it or it's bad. If we're thinking about it, it Literally is a direct contradiction with the fact that everything that we want to do in this world is Relying on us having money. Yeah, I think it's like Acknowledging that money has permeated so much stuff that even if you don't want it to be about money Money is a way to do things in our world So you can't just opt out we may not like this reality, but money does give us power. And I think that's especially important for women. Like, we think that we can change the world just by loving it. And that's really important to love the world and do the things. But I think we can go a lot farther if we have the money behind us. And I think that's where a lot of women kind of falter is. We think that money would be bad and that we would be hurting other people. And it keeps us from doing it basically from exercising all the power that we really do have. If we are ignoring the money part. Exactly. So how do you think that we should balance this? This idea that we're doing work that we love, we're providing service, but at the same time, we're also in it for the money. I think it's really important just to like, sit with that. Kind of acknowledge it and be like, Oh. What would happen if I did have more money? What would happen if I made money? Kind of play with the idea, and allow yourself to actually charge. Because you're really just going to stay who you are right now, no matter how much money you have or don't have. Yeah, I totally agree. And I think one of the biggest, factors that I really had to get clear on in the beginning of my money journey was the fact that your money and your morality are two separate things. I, and your worth are, they're all separate. Because, you know, There are wealthy people who are amazing people in the world, there are wealthy people who are terrible people in the world, there are poor people who are amazing people and there are poor people who are terrible people, your money and who you are as a person are two separate things. I had made this connection that if you are someone who. prioritizes money, who wants a lot of money in your life, then automatically that must mean that you're bad. You're greedy. That is a fundamental money belief that we all have to start to break down and dissect for ourselves and really explore who am I with money? And who do I want to be with money? Because I feel like when we can answer those questions confidently, when we can trust ourself with money, then we can start to have a much better relationship with earning and making a lot of money. when you have more money, it just amplifies who you already are. And I have found that really interesting and useful in my own work as well. To just think, oh, okay, who am I being right now? If I have more money, do I like who I am right now? And do that work as opposed to focusing on the money in that sense. That's been helpful for me. Yeah, I think that that's so. Powerful because I think oftentimes we will project our ideas and thoughts about money on to other people and how other people are with money and how they exist with money. But the real work with money is really looking at who am I with money and how do I engage in the world with money and what do I do when I get to experience more power. in the world because I have more money. And I think that's the work that a lot of us tend to avoid. And we like to just look at other people and what they're doing. But yes, when you have more money, it's only going to make you more of who you are. And are you comfortable with that? Are you confident in that? Do you trust yourself? All of those things. I think it's, I think that is some of the most important money work we can do. Okay. So let's move on to our next money belief that we want to debunk, which is this idea that we don't want people to know about our money. Like. If we have money, we definitely don't want people to know about it. We don't want to talk about it. We want to make sure that we fit in and that everyone feels comfortable. And so we're just going to play small and not talk about money and not present ourselves as powerful people with money. Have you seen this with your clients? Yes, a lot. I have had extremely wealthy women not want anyone to know they're wealthy. Like they I think we had conversations over the course of several months where she would like to buy like a 2, 000 purse. And it was very easy for her to buy it, but she wouldn't do it because she was worried about what message that would send to her friends. And I just thought that was so interesting, because who cares? It's the way my brain has gone. But I mean, it's the message that we're given. Growing up, like I, I know my parents were like, Oh, we don't talk about money. We don't tell people how much money we have or don't have. We don't talk about how much we make. Like, that stuff was so, you know, we just don't talk about it. And I kind of shunned that for some reason and just talked about it with people. And it's been so much more interesting that way. how do you think that that really holds people back? It, it holds you back in so many different ways. Cause one. You don't know what else is going on out there. So, you know, like, we have that wage gap between men and women. Part of that comes from not talking about money. Like, I know when I worked in corporate, I talked to my friends and we were like, so how much are you making? What are you making? What kind of raise did you get this year? And it really helped us be like, Oh, so, yeah, let's make sure that we are all on par. And, and we would like kind of, judge, like okay, yeah, it makes sense that you didn't get that raise because you kind of don't work as hard. And like, we would have reasons in our head, but it helped us know like what the expectation should be. So I never felt like I was missing out compared to the men in the firm or different things like that. But I think that was really powerful because it also helped us think about like, Are you investing your money? What's this 401k thing? Are, like, what are you doing? And it just, just having those conversations, and being like, yes, I do have investments, and yes, I, this is how I spend my money, and no, I don't have debt. Like, talking about that stuff really helped just, like, my whole peer group kind of change how we dealt with things. Um, but I think it can work the other way, too. Like, if you Have, if you don't have a lot of money, you may get in over your head if you have a lot of friends who do have a lot of money and you're trying to hide that and that's where you get into a lot of like personal debt and credit cards and, and things like that. So I think it really messes with our brains a lot. Yeah, absolutely. I think so too. I see the same thing. People, even in my holistic money program, the first week when we come in and we start to talk about our relationships with money and we share the details of our financial lives, there are some people who will show up to that call and who will try to omit or hide specific details of their financial life. And often it's not about the debt that they have. I see it more frequently when people actually have money that they don't want to share how much money they actually have versus the people that have debt. I've seen them be more open sharing their debt, but the people that have money, they don't want to share. Oftentimes, how much money they actually have in their accounts, because there can be a lot of shame that they have wound up in this idea that they have money. And I think this is fascinating. I'll never forget walking around the neighborhood, listening to book, uh, Brooke Castillo podcast. And she had asked, can you imagine yourself telling your friends and your family that I want to be rich? And I just remember walking around my neighborhood, just cringing at the idea that I would say that out loud to anyone in my life that I want to be rich. I'm going to make this a priority in my life. I want to make sure I can live my best life possible and I'm going to go for it. I just remember feeling so supremely uncomfortable with the idea of actually saying that out loud. I felt like, who do I think I am? How am I going to make other people feel? What are they going to think about me? And I started to realize, as I started to unpack that, how limiting that was for me. How small I was keeping myself in so many areas of my life, simply because I was afraid to say that, yeah, money is a priority for me. I want to make sure that I have financial freedom in my life. I want to have a lot of financial power. I want, I want to live the exact life I want to live, and money is the tool that's going to get me there, so I'm going to go for it. I just realized that I was keeping myself so small. So limited. So in a box. Making sure everyone else felt comfortable all the time at the expense of my own financial power and my own personal expression, because truly it is what I wanted. And I think a lot of people underneath all their shit. Have a similar desire. I think a lot of people desire it, but it's such a strong cultural norm to complain about I don't have enough, oh the debt, oh all the problems. So it's much easier to bond with people over those conversations than it is to be like... So what are you doing with your money? And I was thinking about that actually, uh, yesterday, like you and I have conversations like, so what, what kind of investments should we try? Like you, like you encouraged me to go out and buy property and I encourage you to go out and buy businesses. And I was like. How interesting that that's like a normal thing that comes up in our just friend conversation as opposed to like the stuff that we think we're supposed to talk about or, you know, you hear in normal stuff like, oh, my credit card debt or, oh, I don't know how to spend money or, you know, women, you know, we're, we're looking for coupons or crap like that, like, no, it's much more interesting when you admit that you have money, want money and are pursuing money and it just opens up so many more things in life, so many more experiences for sure. I love that that's part of our conversations too, and in this way, I will just say thank God for Life Coaches, because I think it's the cultural norm, just like you said, to relate over not having enough, And, and seeing that bond be created over the struggle. Versus I feel like life coaches, one of the main things that life coaches do is that they really allow you to see possibilities and there are not a lot of people in my life that I can sit down with and have a conversation with that. We are not talking about our. Endless struggles that we're in. Sure, we do occasionally. What we always get back to is the possibility of what we want to build in our life and how we want to have extraordinary experiences on this planet. And I'm so thankful for our friendship because we do that often. We talk about money in big ways. We are not shy to say that we want money and that we're building businesses and that we're here to grow our wealth. And I think that that positions us, our friendship to help each other grow versus keep each other small and comfortable. Like you and I are constantly making, each other feel uncomfortable. Right. In a good way. In a good way. We're encouraging each other by, like, challenging, like, those thoughts, and being like, why would you think that? What, where's, where's that coming from? How is that serving you? And really, like, the not wanting people to know you have money keeps everyone small. Because if you show up and let people know that you have money, it shows what's possible. It opens up doors, and by you learning to be comfortable with it, it lets other women learn to be comfortable with it. And then it lets all of us pursue more of it, and I think that's really important to be like, Oh, even if it's weird for me to let people know, it's giving them an example of what's possible. Yeah. And having them step up and have it too. All right. Let's move on to our third limiting belief that we wanted to talk about today. Which is, I'm bad with money, or I don't know what I'm doing with money. I hear this a lot with people at all income levels. It doesn't necessarily have to be someone that doesn't have a lot of money. I actually see it with people that earn a lot of money as well. These limiting beliefs around who they are with money and not knowing what to do with money. Do you see this one as well? Oh my gosh. And, and like you said, at all levels. It's like, um, one, I think it's socialized into women in general. Like we're told things, even if it's not directly, we're, we're generally given a message of we're bad with money or we should give it to someone else. Or even like, Oh, I'm not good at math. A lot of people say, I'm like, money isn't about math that much. It's about mindset more than math. It's fascinating to watch people and it's like, You really do know what you're doing. And I think you've, you've even talked about this where you're like, but if you did know, what would you try? And then they just give you all the answers. And I think that's so fun. I love, love, love to poke holes in this one because every single person that I've talked with that has this belief that they're bad with money or that they don't know what they're doing or they're not sure how to get to where they want to go. When I really press them on this and I say, okay, let's just take that off the table. I just want you to tell me what you think you could do or some possibilities of things that you could do. And then when they actually get past that limiting thought, that A lot of a sudden have brilliant ideas and pretty much verbatim will Write down the steps that they need to take that I'm about to teach them and walk them through. People! No, what they should be doing with their money, what do you think really is actually going on I think it's fear. I think it's like fear of how powerful you could be, how rich you could be, what it would mean about you if you did get it right. And even just, like, maybe some uncertainty about, okay, in theory I can tell you what I should do, but the actual steps to do it are terrifying. And this comes up, like... You know in conversations with you when I'm like, oh, I want to get into more real estate investing and you're like, okay So go do it. I'm like, yeah, like I I know all the steps, but I'm like terrified of Certain pieces of it and some of it could be so simple like picking up the phone and calling someone or Committing to something and it's like I could have all the money lined up I might have exactly you know the property and know all the things but It comes down to the mindset, I think, a lot of times, and just not trusting myself or wishing that I had someone to blame if something goes wrong. I think those really come up a lot in this realm. Oh my gosh, yes, the fear. The fear is huge with money. I always like to, dig down to be like, okay, what are we actually afraid of here? And I love what you said. Number one, a fear of actually doing the right things with money, fear of the responsibility of money, fear that we may actually be pretty powerful with money. What are some other fears that you see that your clients have with money? I know, uh, one client had a story about feeling like a child with money. Like, she, she, she had lots of money. And she worked with, um, like a financial advisor or planner, somebody that kind of managed her assets for her and that she would go to and ask these questions. But she hated it because she felt like every time she went, It was like a child going, like, can I have some money? I need, I need, like, she didn't feel powerful and she didn't feel ownership, like the money was hers to make the decisions with. Which I find so interesting because I'm like, why would it not be yours? Obviously, you're paying this person to do this stuff for you. You have that power. Yes, and fear that it's all going to go away and I'll never be able to get it back. I see that one a lot. I think that one's really interesting as it relates to. starting to work with people on their investing strategies and starting to encourage people to take more risk with their money and really watching, people have such a tight hold over the money that's in their bank accounts. It's like, You do know that if this money does go away, it's not the end of the world, right? Like you will make more money. You will save more money. You have everything it takes to make that happen. I think that's one of the foundational beliefs that I have in my life. I've always had it since I was, since I was young, since I was a teenager, that no matter what I know. I can make more money there are a lot of my clients that I see that will start to accumulate wealth in their like cash and are so afraid to make a move with their money because I don't think they really trust in themselves to go make it back in the event that they lose it. Yeah. And I think that's like, that's something even like Insurance people talk about, like, your biggest asset is not actually your money or your house or your investments. It's you and your ability to go out and make money. And that's where I've always had my, I guess, my security. Like, we think security comes from having X amount of dollars in the bank, but it really comes from you knowing how to make money. And I think that's so important to recognize that. That's all you need is you. I'm so happy you brought that up. This idea that security actually doesn't come from money in your bank accounts. It comes from the belief in yourself to continue to earn money and also to make investments. I know that's another thing for me that I have, especially when it comes to real estate investing. I really trust myself that I will buy a property or I will start a business or I will go invest my money, especially in real estate. Stock market is a little bit more difficult because I'm not like on the board of these companies Telling Tesla what they should or shouldn't do so. I don't feel as in Control or as influential over the returns when I invest in stock market market investing which is A big reason why it's a secondary investment strategy for me, I really like the investments that I know that I can influence the return around, which is why I love business and I love real estate investing, but I really trust myself, even if I don't necessarily know exactly what I'm doing. I do trust myself that I'm not going to give up, I'm going to keep trying, I'm going to pivot, I'm going to learn, and I'm going to do everything that I can in order to make this investment a great investment for me. And the market's going to do what the market's going to do, the economy's going to shift in however ways that the economy is going to shift. But I choose, in every single one of those market environments, to still believe that it's figureoutable. Because I really think that it is. I think that in most situations, it is figureoutable. No one is born knowing how to make money or how to work with money or any of the stuff that we're talking about. Like, it's not an innate skill. It's something that we learn. And the people who look like they have it together or maybe farther along probably had a lot of exposure to it at an earlier stage in their life. And it might just feel natural to them, but it's not because they were born with it. It's because they learned it. Some of us just have to learn it later on. And the only way you stop being bad with money is by practicing and testing it and learning and growing like you just described. And I think that's really important. Like, we're not sitting here telling you that we're perfect or that we already know all this. We've made mistakes. I have lots of investments that I've done that I'm like, what the hell was I thinking? And I'm like, oh well, at least I learned from that and I don't do it again. And because I know that I'm capable, I go out and I make more money in a different way, or you know, I, like you said, we pivot, we do different things. And I think that it's really important for people to know that like, nobody has gone from zero to whatever they have without having failures, without being bad at it at some point. And then we get good at it. And we're, we're still never like we don't arrive. It's always work to do that. yes, I totally agree. I don't think we ever arrive. I think that being bad with money is part is the process of being good with money. You have to be able to get on the court of your life and just get into action. I just did a podcast interview with Gail Raeum, who is the founder of Mulayu, and what she does is she helps kids be great with money. And really what she's doing is helping parents help kids be great with money. But what she says is financial education, telling your kid what they should be doing with money is not nearly as effective as giving your child. 10 and saying, here's your allowance for the week. How would you like to use it? Once it's gone, it's gone. You can save some of it. You can start to invest some of it. If you want more of it, here are the different things that you can do that we're willing to pay you for to get more money. She says we have to get children involved with money in order to really teach them about money and learn the key lessons that they need to learn in order to be financially successful. And I think that's such a brilliant concept because I think it's applicable for adults too. You know, we can spend as much time as we want in the educational components of money. I think it is important. But where the real lessons come is through getting that 10 allowance and then spending it all on the first day and then realizing for the next six days that you don't have any money. And how does that feel? You know, that's how you learn. And then the next time you get that 10 allowance, maybe you only spend three the first day and then you use the seven for the, for the last, you know, six days of the week or whatever. But I think that is how we learn. We have to be able to get on the court, try these things. And be willing to be bad at it. It's like the whole, you can't just read a book on how to swim or how to ride a bike. You need to get out there and actually try it. And it's hard. Like, it's nothing like the book. Like, if I tried to learn to swim from a book, I'm like, I would drown. Like, that's ridiculous. But if I get out there and someone talks to me, and we, I observe, and then I try it, and then I observe some more. Oh, okay. Like, like you tweak it. and it is interesting, like you're going to have so much fun with your baby coming and like teaching money to your son and stuff. And like, I really enjoy my conversations with my own son and I always think it's funny. I'm like, here we are experts helping women learn how to use money and we both get boys, but we get to train them to uplift the women around them, which is fun. Yes. I'm so excited to be a parent and teach my kid about money would you say to those people out there that are like? I just feel like I'm bad with money. I don't know what I'm doing with money. What would you say is a really good next step for them? I, I guess I usually challenge it and go, well, why do you think you're bad with money? What, what exactly are you doing or like, what is it about you that is bad about money? And just help them like challenge that story because that's what it is. It's a story. Um, like give me the facts of you and money. And break that down, and then just start giving them opportunities to show themselves how they're actually not. Like, let's, let's create evidence for the opposite of that. Whether it's really small, like, I mean, as adults even, we can start with 10 a week. Change some sort of behavior, and be like, oh, I actually made a good decision there. Look at me. Maybe I am good with money. Maybe I'm learning about money. And just kind of start little bits at a time, like, changing your life with money is never about, like, overhauling everything all at once. It's not like quitting smoking cold turkey. It's different. It's a process, just like anything. Yeah, I think that's great advice. I would give the exact same advice because I think that it is a story and it's a story that allows us to stay stuck. It's a story that reinforces the limiting beliefs about ourselves and gives us permission to stay in the exact same place that we've been. So just by dissecting that story. And challenging it. And just like you said, finding evidence for little ways that you actually aren't bad with money, it encourages creating more positive habits with money. All right, Sarah. So I think we've covered some of the, what I consider to be. Top three limiting beliefs that I see people with money. I think it is such a fabulous episode. Any final pieces of money advice that you want to offer before we sign off? I think the biggest thing is just knowing that you will always have thoughts about money that don't feel good about yourself, et cetera, and know that it comes at all phases. And nobody has it all figured out. Like, we're sitting here talking about what we observe, what we experience, and we go through it still, on our own, at whatever level. And we still get support, and we still are learning and growing all the time. So I think it's really important to know that you're never finished. But you're never screwed. Like you can always grow and you always have opportunities and just get out there and do it. Like you said. You are never finished, but you're never screwed. Okay, wonderful. Sarah, tell everyone where we can find you. The easiest way to find me is on my website, which is sarahnemechek. com. I'm also occasionally on Instagram at sarahnemechekcoaching and I'm mostly active on LinkedIn currently and sarahnemechek there as well. Great. All right, everyone. I hope you found this conversation as enlightening as I did. Like Sarah said, these are money beliefs, limiting money beliefs that you will experience at all levels. So it's good to start your money belief work. Now it will significantly improve your financial health. and the direction you take your financial future. If you enjoyed this episode, please make sure to leave me a review. I love reading your reviews. Let me know what you liked, what you didn't like, and I look forward to hearing from you. All right, everyone. I will see you in the next episode.

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