Wild Commitment

How committed are you to achieving your goals? 
This week, Emily sat down with Cayla Kennedy, a local entrepreneur and business owner to talk about her financial experiences, and how her life is forever changed thanks to the Dave Ramsey Principles of Personal Finance!

Transcript

Hey, guys. Welcome back to another Hoel roofing podcast. Today we have Kayla Kennedy with us, and she's going to talk a little bit about her small business and about her debt free journey through the Dave Ramsey. So we're going to get started. Kayla, just tell us a little bit about yourself.

My name is Kayla Kennedy. I, I live in Rushville. Not really - Carthage. I'm 25. I own just recently. Yes. Thank you. I'm 25. I have a year and a half year old son. I've been married to Dylan for two and a half years. Almost forgot. Yeah. yeah, we just thought that, well, consumer debt free. We still have our house, but in January.

That's awesome. So now that you started talking about that, we'll just start off with that. how did you guys, get into your journey? And what made you, what was that pivotal point that you guys were like, hey, we got to do this. When we couldn't pay our bills. So we had Everett in September of 2022. I am self-employed, so I don't have paid maternity leave or anything.

I think we saved $5000 for it. And from September to January, it was gone. Like with Dylan, he's construction, so it's the slow time then? I think it was January 31st is when we called Bob. We're like, hey, something has got to change. I don't know what to do. Can you help us? So then I don't think it was that day.

I think it was couple days after he came over. Kind of helped us with our budget and told us what we need to delegate here and there and to help us get back on track. and then you guys took all your employees to the Dave conference and gave us two tickets. We're actually supposed to go to a Hardy concert that night, but we decided to go to Dave and really glad we did, because it really lit a fire in our butts to get going.

So yeah, that's awesome, because like most people, they're like, no, we've already got these tickets. thanks for the invite. But we're not going. We're going to go to the concert and do something fun. So I'm glad that you guys took it serious and that, you really wanted to change your family tree for Everett so you guys weren't struggling and stressing over bills.

Kind of tell me, what what was some of your debts that you guys had? Like, what got you so I didn't know that you can make payments to hospitals. So, like, with Everett's birth, I had I wouldn't call it an emergency C-section, but he was stuck, so we had to get him out. And so that was an extra cost.

so we had his hospital bills. I think Dylan had, like, 2000 left of his school loans. My car and I maybe just a couple other little things, but it added up to $53,000. So, and I know you guys are in the process of or in that, time you sold Dylan or Dylan's first house, but you guys were living there and then bought a family farm.

Yeah, you got that? You had. It was in your family. And then. I know that kind of changed things, too. Yeah. So it's an old farmhouse. Our little. We went from a 600 square foot house to a much bigger house on land. So our payment went up significantly and we had all of those bills. And so that was a big chunk, too.

And I think people don't realize that, you're you're living, you're paying your bills. You can do it. And then that opportunity comes up, which I understand, it's a part of your family you want you want to get that what you can. but people don't realize, like, making that big purchase, like, how much your bills can increase, especially in old farmhouse because you sink so much money into trying to just, update it all, make it livable.

And I know you guys still are have things to do to it that you want to do. but people don't realize, hey, we're we're fine now. And then you make that, change and then it's like, oh my gosh, like, this is a lot a big increase of what we were paying before. so, tell me about some of the sacrifices you guys made to get out of debt.

So we sold my car, which I know that was a big pain point for you, my beloved Durango. I stopped shopping. That was a big one. And getting their nails done, we just literally put everything extra towards our debt. So that was no. No going to concerts, no going out for friends birthdays, no going to MezCal every week.

And that's I mean, in the in the time it's hard because you're like, man, I really want to go do this. Or you see the shiny objects on, Facebook, Instagram. I'm like, man, I really want to buy that. but in the process of doing it, it's hard. But then once you do it, it's like, man, I'm so glad that we did do it.

have any of your friends, reached out to you? Have you guys, talked about it to any or so? Actually, yeah, I've had a lot of clients ask me about it, and I've sent them books and, like, the debt snowball, and I don't know that, if they're keeping up with it, but I love sharing our journey because, I mean, I was 25.

I was 23 when we started doing was 26. So I feel like that's very young to be doing what we were doing. And that's awesome because a lot of people, they get to a place like in their 40s and then realize like, oh crap. Like, we need to start this now. Yeah, you guys are starting in your 20s, so you're light years ahead of your peers of what they're doing, and then you guys will have the opportunity, kind of like we've had of like people, they get to that spot where they're like, we don't know what to do.

And then they'll ask you and you can just they they have to do it on their own. I feel like a lot of people think, hey, they come in, they talk to us and they're like, so where's the magic pill? I'm like, so how do I like, there is no magic pill. You have to work hard. You have to make sacrifices like selling your car or selling stuff like, Jonathan's working on his.

He works for us and he's working on his snowball. Our debt snowball right now, he's selling stuff. He's, doing side jobs. He's picking stuff up that's free on the side of the road and selling it, like just. He's. He's really hungry for that. And, like, we've had that opportunity of planting that seed. And so now you get the opportunity.

And even if they don't, run with it and they're not like gazelle intense. Like Dave says, you're still giving them a little bit of that. And then all that, all you can do is try to help, and hopefully they take something away from it. So, that's really cool that you guys are doing that. And it just comes to a point where it's worth it.

like, I love back. Yeah, I love telling people about it. And even the numbers are like, Holy cow, that's a lot. But we have you and Bob. And then the massage therapist at the salon, Megan and Craig Tucker, Megan and Craig Tucker, they are debt free and they've done it also. So it's nice having both of you to be our mentors and help us.

And if I get a little off track, Megan's like, should you really, like, probably go. So it's nice knowing people personally who have done it and have been through it, and we can ask for help and guidance and know that it's you need to put in the work to do this. It's not just going to happen overnight. And it's really hard because people think that you're crazy when you're doing it or like, why I don't understand, like just get a credit card or just, just take a loan out or something.

somebody asked me the other day, like, so how much was the construction loan on your house? And I just looked at them and I was like, you know who I am? Yeah. That's something. I don't have that. So, I mean, just, I mean, but people that don't understand that world of diving into it deep and, wanting to be debt free, that they just think it's crazy and then it can't be done.

So I'm really proud of you guys for doing that and keep up the good work. just plant that seed for somebody else. And I'm telling you, when you guys get closer to 30, people your age are going to be coming to you and be like, how did you guys do it? What do I need to do? We're sinking.

We don't know what to do. And and people don't realize, especially like Dylan, when it's raining, he can't work. If it's winter time, he slows down people. They're making good money in the summertime, but they don't. They don't squirrel it back for the winter time or when they. They're not working 40 hours a week or overtime. So, just being, cautious of that and saving money and putting back a rainy day fund.

Yeah. Emergency. But, and it really is like people think it's. Oh, well, Dave Ramsey, he's that's common sense, and he's a scam artist and he's making all this money. Well, a lot of people don't have, if their parents were bad with money and they saw that they don't have the resources. So a lot of times Dave Ramsey is the only thing.

They Google it, they find them and they start listening to them. That's the only thing that they know how to I mean, so it's basic principles. But yeah, sometimes that's the only resource people have. so I'm just glad that you guys did it. You guys took, initiative to do it. And you didn't wait until you were 30 years old and you're doing it now.

So yeah. Thank you guys for your guidance and helping. Yes. Anytime. And then if you if anybody comes, are you guys stumped? Just let us know. So all right let's talk about, your your hair stylist. Yes. How did you get into that field. How did that all, start in your life? What made you want to do that?

Okay, so when I was probably elementary school age, I had two friends and their moms both did hair and did at home here in town. Actually. And I was like, oh my gosh, this is so cool. Like, they get to work from home and make pretty hair all day. I was like, this is the life. so throughout my schooling, I played basketball.

I had back surgery my sophomore year. I played my junior year. I was going to go to. You used to play basketball, didn't know what I was going to go to school for. I just want to play ball. I had a bad fall. I think it was like sectionals my junior year, and I couldn't feel my legs, so I was like, Holy cow, I this is not worth it to me.

So I didn't play my senior year, but, back it up to sophomore year, maybe sophomore freshman year when you go to, like, the vocational programs. And so I did that and I toured a couple others in the cosmetology, and I was like, this is what I want to do. This is so cool. So my junior and senior year, I did vocational in the mornings, and then we'll go to high school in the afternoons.

And I graduated the Cosmo program and got my license before I walked for high school. Nice. So I did, then graduate high school during I don't know if I worked there. My junior year, but my senior year I worked in a tanning salon that was connected to a hair salon. So I had my foot in the door there, and I started doing here.

There. Well, that was in 2017 from 1017 to 2019, I worked in three salons and I was like, all right, this isn't really the vibe that I like all the women. And and it's really hard because you have to, especially with females sometimes there's, there's clicks of people. I've been there forever or there's cattiness or there's just it takes a special group of ladies to work together, to be around each other all the time.

And then you have more women coming, coming in. So that makes it. It gets a little hot in times. Yes. So in 2000, I think was May of 19, I opened Margaret Salon. my best friend actually came with me, and we worked in Newcastle until I think I moved Wild Roots to Rushville in 2021. But from when I was in Newcastle, Covid happened and they were telling us we couldn't work the unknown.

I was like, Holy cow, how am I going to? Yeah, pay my bills, any salon bills? By the grace of God, I did it. I don't know how. and then we got back to work. I moved the salon here to Rushville, and then Dylan. I got late, got married later that year, and we've been doing hair here ever since.

That's awesome. And I know that, Dylan did a lot of work getting it ready. This one, it's super cute. Yeah, I'm very thankful for him. I know that you've got, Megan in there. Yes. Massages. And then a new girl in Brooklyn doing lashes and eyebrows. Yeah. So that's great. That you're, kind of getting getting more people who adore you in that way.

And we have our own little spaces, so we're not in each other's hair and kind of doing our own thing. So it works out really well. Now, do you think you're, get another girl and a the and you're like, no, this is my face. And hair salons get so loud. Yeah. And for Megan. Yeah. People are paying to relax.

I fall asleep during massages. I don't want me to be blow drying your hair. And the other stylists trying to talk over. Well, someone's trying to get a nice, relaxing massage. Yeah, I always feel bad when I'm in there and she's doing a massage. I'm like, I hope I'm not being too loud. She says it's not bad, but when I get massages, nobody's doing hair.

Yeah. So I'm like, this is nice. tell me, some of the struggles that you've had. Just, I know you mentioned Covid, but other struggles of owning your own small business. I think just the overhead of everything. And now everything's much more expensive than it was in 2019. Yes. So trying to navigate that and figure that out also while trying to pay off for that.

So I had a I pay both rent myself to the salon. Okay. And before Brooklyn got there, I was paying more because I didn't want to raise Megan's rent. Yes. So I was putting in the extra. Well, now it's I still pay a little bit more than both of them, but it's equal with them, so that helps a lot.

but it was a struggle from last January to now trying to navigate how to put this money here and this money here. And, and I think people, they don't realize, like, hey, the cost of shampoo coloring, it's all gone up, which I feel like people see that going to the grocery store. But I know you probably it's probably hard, but like, hey, by the way, like, my prices are going up.

Yeah. Do you ever get any, backlash of, like, why? Why is so expensive? Yes. I feel like my clientele, I've had them for years. I get new every now and then, but they come in and my prices are where they're at. My clients from 2017, where I did $65 hair colors, they're like, Holy cow, you've doubled.

I'm like, well, so is everything else. Yeah. And I have my hair done. 17 is not what I did now. So I've went to classes and continue my education and all that, and I had somebody come in and sharpen my shears, and my four shears was $5,000 four years ago. I don't even want to ask how much they are now.

I'm like, can you just sharpen them for $30? Yeah, I can still use them. I mean, little stuff like that. People don't think I'm not like, you have to, you know, keep it clean. So cleaning products, just little stuff with a little water and toilet paper. Yeah. Like you wouldn't think that. How much toilet paper we go through.

But thank goodness for Costco membership. Is that in the budget? Yes it is. I'm just kidding. so how do you, balance mom life and and, being a business owner. So that is probably the most backlash I've got from my clients because I cut evenings out. I don't work evenings anymore or weekends. I usually work 4 to 5 days a week.

I try to take Wednesdays off, but like, never had an appointment one another day this week. So I worked that day. It just it fluctuates, but I work Monday through Friday. I normally take one day off and then I work from 9 to 5 and it's daycare now. I don't have to pick them up until six, which I don't like leaving in there that long.

Yeah, I, I miss him. Yeah. And I want to go get him. but it's nice because I can. I usually work if I take Wednesday off. I work later Tuesday and Thursday, and I'll go get him at 530 or 6. And I do have some clients. one particular. She's been with me since turn 17, and she works in Muncie.

So I'll go get Everett, take him to his mama's or a Dylan's home, and then I'll come back and do her hair. And I have some that I'll work with. Yeah, but they've been with me forever, so. Which I understand that, like you, they've been so, loyal to you. So you want to, They've been with me every stage of life as an adult.

Yeah. So, so it's nice that you can set those boundaries. I've learned the hard way of, like, getting burnout. Like I'm trying to run the business. take care of three kids, do this, do that. I finally, And I think we've had this conversation to set at 10:00. My phone goes on. Do not disturb. Yes, I love that.

I love that thing on our phones. It's on. I want to respond to somebody I can, but your phone is doing. And all through the night. Yeah. You know, if I just. I don't want to, then I can wait until the morning. I know you've said like some people, like, message you at like midnight or something like, hey, and you going, like, you can it's not wait until tomorrow.

And it being a new mom, I mean he's a year and a half, but I wasn't sleeping. So then I finally got to sleep on my phone reading. Yeah. So that's why I finally turn on the Do Not Disturb. But some people, they just. And maybe they work nights and they don't realize it. And and that's the thing if everybody's on a different schedule.

So if you don't set boundaries yourself, then those people will, you know, people that wake up at 6 a.m. that morning blasting a text message or people have like 30 more minutes. Yeah. Let's sleep. Exactly. So, that's a that's a good thing to set those boundaries and just, know that, hey, this is my time. Yeah, I'm a mom now.

Like, I, I definitely think having Everett, I really set him in place. But I think Covid, like, when I got back to work and Covid, I was like, man, I'm not working every weekend. Yes. Like, I want to live my life and because at the time I thought, we're all going to die from Covid, I don't know what's happening.

So I cut back then because I was working from sun up to sundown and so that helped a little bit. But definitely having Everett, I really was like, all right, I'm done. I want to be a mom, too. I want to be wife. And you realize how quickly it goes. He's already a year and a half and you're like, where does the time go?

So, and it's like the it'll it'll be there during the week, like, I can address it. Yeah. The week. So, is there ever a time that, kind of a little bit of friction between you and Dylan because of that or stress or anything like that? because of because of, the business or doing anything like, like just juggling it all.

I think we balance each other very well. I get anxious and and he's like, he's very cool. He's like, well, it'll be what it will be. And or like playing something. He's like, yeah, we'll see what happens. I'm like, no, this is what happened. But like I'm putting on my schedule. This is happening. He's like, all right.

And see, like I'm I'm like that. I'm like, it'll be fine. I'll figure it out. It's it's whatever. So, I'm I'm totally I understand. No, I'm like, no, like, I have a schedule. He's finally starting to look at it. We gotta make this coffee in the morning because it's about the coffee maker. It's like, have a choice.

You ever has an appointment? Wednesday. I'm like, you remember? It's like, I looked at it this morning and I was like, oh, you. Yeah. This is like 30 minutes, you know, he'll forget my lunch time. A appointment with his appointment was like, why are you doing, I told you this morning. Yeah, I was do you read it?

is there anything, any advice you would give to, a young girl in high school that's going thinking about going to vocational or thinking about, doing, business on their own. Like we talked to a girl the other day that was thinking about doing dog grooming or something with dogs, but she's like, I don't I don't like blood or, so is there any advice you would give just to anybody that's thinking about doing something on their own after high school?

That's kind of up in the air about it for, the vocational part of that, I would definitely tell anyone to. I mean, you go halfway during school, I think my cosmetology program was 535. And I think actual beauty schools back in 2015, it was 26,000. Oh my gosh. Yeah. So it's a big even if you don't do it after school.

And this is something that you want to do. Spend the 500 I don't know what it is now, but back then it was 500 instead of the 26,000. And be like, I actually don't like this. That's crazy that you can go in high school and do that much cheaper. Yeah. I mean, because you get like a I mean it's legit.

Yeah. I mean you obviously learn more behind the chair and I'm sure you know that too. but you, you learn everything you need to, to pass the state board. So it was I mean, I would tell anyone to do it if you're thinking about not just cosmetology, but culinary welding. Dylan did welding, and he worked at, a traveling welding for a long time and made good money.

So it gets you in the door for less than what it would be to go to a bigger school. Don't want to Hobart after high school, but he did the welding, so he already had the the knowledge of what it all entailed before he went to Hobart to do that. now the after school side, I would definitely.

If that's what you want to do, go for it. Don't tell anyone or not. That part. Don't let anyone tell you otherwise. I was with someone who was a bump on a log for better terms, and they weren't supportive at all. But like my mom, my dad, my girlfriend's like, everyone's like, I do it. You can do it.

I know you can. You you just need that support system and group behind you. And I love showing people that tell me, know that yes, I can and I'm going to. And that's just kind of what I did. That's awesome. Like it's so hard when you're young that people are like, you can't do that. Like, oh, you shouldn't do that.

And like, I feel like if you're not, a strong willed person, like you, those people plant those seeds. They're like, well, my mom told me I couldn't do that. My dad told me I could do that or a grandma told me that was a dumb idea. so it takes a strong person to be like, nope, this is what I'm doing.

If you don't have that support system. Absolutely. so I, told the girl that was asking, I was like, just go and volunteer. Like, if you think that you want to do, like, a one girl wanted to be a vet tech. And I was like, if that's what you really want to do, go to the animal shelter and volunteer, be around dogs.

Go to a vet and volunteer. Because I was like, when dogs come into the clinic or a cat, they're not all cuddly and nice. because they're going to get worked on. I was like, so you need to go shadow. You see if that's what you really want to do. you don't get puppy cuddles all day.

Yeah. I mean, oh, they come in, but then you get a dog that has a sore or something that needs to be sedated just to clean its wound. Be for the little pill. And yeah, I mean, so that's what I encourage. Like just go and find out before you if they did go to cosmetology school afterwards. and then they're like, oh, I hate this.

Yeah. Because I knew a girl that she was all signed up to do that and then had the check written out. It was going to go. I think it was like PJs or something. And then she decided that, she didn't want she didn't like the feeling hair all over. And I was like, well, you're going to have hair all over you.

I can't tell you how many times I've pulled hair, like, out of my pants. Yeah, I mean, you're just literally cutting your hair all day or touching it. so, fortunately, she didn't make that mistake and go and get a bunch of dirt and then realize. But yeah, you're right. Like, just take advantage of it in high school.

looking back, I wish I would have just done something just to just to get that extra knowledge and be like, well, this is it. It doesn't hurt anything to learn a new skill. Yeah. And then if you decide you don't like it, then, I mean, you're, you're out like a couple hundred bucks or whatever it was. and I don't know if any other programs you have to pay, but we had to pay for, like, our books, our uniforms, our kits with all of our tools in it.

So I don't know if they're all the same, but it's substantially cheaper than what it would be to go in there. I graduated at 18 and I had loans fall at 19. And that's awesome that yeah, I just turned 20, I believe. But that mature at that age. But like, this is what I want to do. This is yeah.

Because I'm sure all your friends at age were not doing what you were doing. They were all still in college. Yeah. And then I'm sure some of them that went to big universities aren't even used in anything. Yep. And some of the smartest people I knew in high school didn't end up doing anything with their lives. So they have all the school that.

Yes. And I didn't have any. And I, I always tell when I talk to the classes at the high school, like, figure it out before you go to school just because you have you get accepted to the college course, they're going to accept you unless your grades are just horrible, like they want your money. Yeah. it's not about you as an individual most of the time.

so I always encourage them, go to Ivy tech, go to Ivy is like, stay home. Like, I know it's not as fun and cool there. Like, I don't know if you felt like you missed out on anything. Not going away to college. Like that's how I felt because all my friends were going away to these, like Ball State, Purdue, IU and I just felt like I was being left behind in a in a way.

And I know you were back home working and doing stuff, but did you ever feel like you were missing out on that part of your life? No, I don't think so. I feel like the part that people miss out on college is like the party life. But I never did that in high school anyway, so I never felt like I was missing anything because I just, I was working, I moved out, I graduated in June.

I got my own apartment in September. So I was doing hair. I had my own place. I just didn't really think that I wanted that. Yeah, and I know, I know, I didn't want it. Yeah. Because I was going to go to play basketball, but I was going to go for business because that's just what I thought would be best for me.

But I'm glad I didn't. Yeah, because I would have wasted all that money and not have used it on it. Kind of. I know at the time you probably thought that injury was, like, devastating, like this. This is what I want to do is like, what? What am I supposed to do now? But I feel like it kind of like, steered you where you are.

Absolutely. Yeah. So it was a, Now looking back, it was a blessing. But at the time, I know you probably were like, am I going to be able to walk? Yeah, yeah. And like, basketball was probably your life. Oh yeah. Absolutely. You probably didn't know like where to go from there, especially your senior year. You can't play.

I think it crushed my mom's heart more than crushed. I mean yeah, that I mean, you put all that work into it for so many years and then. Yeah, just bam like that. That's that's, crazy for sure. And I know you mentioned earlier about your back, and you, had how many, how many rods and stuff.

Oh, two rods and 26 screws from, like the base of my, the base of my neck to like, the top of my booty. I could not bend. So does that whenever you're standing to do here, does it bother you during. So I don't want to sound like a macho man, but I heard often, but I kind of like, put it to the back of my mind and not think about it until like, it gets to the point where I can't.

Like this morning I had a pain management check up appointment because it was so bad a couple weeks ago that I couldn't like. Dylan took me to the E.R. oh my gosh. But then I'm fine now. Yeah. So it's like when the flare ups happen, it's terrible. But like, I still work. We have to pay our bills. Yeah, we're saving for emergency fund.

Like, I'll get through it. But standing all day doesn't bother me as much as I thought it would. Yeah, I think I'm just. So I had ten years ago. Yeah, I think I'm just used to it now. There's some stuff like I had to relearn how to play basketball. I had to relearn how to do everything. I can't bend my back.

So, like picking up Everett. Yeah. I had to, like, figure out squat. Yeah, like you think my quads would be great, but they were. No, that's that's awesome. Because, like, there's so many people that would use that as a crutch. Like, well, I have I have back problems I can't wear like, so I'm that's awesome that you're you just push through that mentality of like, no, I got to get stuff done.

I'm not going to let it, bring me down. So that's awesome. also tell us how tall you are. Kayla. Well, so when I had back surgeries five, two and a half and I came out six to. So when I went to the doctor this morning for a checkup, she said, you're six foot a half. And I was like, I'll take it.

Great. So did it stretch you? Yes. So my, it was curved and twisted. So I was laying on my heart and lungs and that's where like, yeah, we need to do this. But we had to wait till my growth plates closed. so then when I had surgery that twisted and straightened me back out. So it gave you, like, how many inches?

Like four inches a lot. Yeah. But now you're saying. Yeah, but I'm fine with it. If I could take some of my femurs, I probably would. So, like. And you can't wear heels, unfortunately. Dylan. Stall two. Yes, but like those boots I bought the other day with the two inch heel, his eyes right up my throat. But I was like, I cannot wait.

Yes, like one day you will find the perfect shoes to wear and, no, that's that's really interesting that the it gave you height. But I mean it makes sense but you're also an extra after this. It was crazy. well is there any final thoughts. Anything else that you could think of. any words of encouragement I think for the dead.

Just like do it. Don't wait until you can't pay your bills. You have to ask somebody for help. Yeah, because that sucks. Yeah, but I'm thankful for the little what do they call community or tribe that we have? we have so many people rooting for us. Find those people, have them, help you stick to your plan and not be like, hey, you want to come do this?

Or hey, you want like they understand that we're doing the dirt pay off or in gazelle mode, like. Don't have those people that are trying to the devil the angel on your shoulder? Yes, on the angels. Yeah, you can do it. And I know, Jake was probably. He understood what you guys were trying to do. So he was, good about.

He actually, paid our mortgage one month. Oh, that's so crazy. We're very. And we paid him back. Yes. No, but it was. But somebody like that that can. They know that you're going through a hard time and help you out and like, Jake wouldn't even want the money back. No, he didn't want to take. I said, Jake, I've worked hard for this.

Testing money is like, all right. And that's that's the kind of people you need around you that they understand, like what you're trying to do. Absolutely. You're not discouraging you from, your journey, but then they will help you along the way. Yeah. Also. And have people tell you that they're proud of you. Yeah. Like I could cry right now.

It's just, like, such a good feeling. It's not like, good job, kid. It's, you know, I'm proud of you. You've paid off this debt. And it's just it's a good feeling, especially older people, because they they want that feeling, but they've been stuck for so long that they're like, well, I just know what it is. 40s and 50s now.

I can't do anything about it. And so I'm just I'm proud of you guys. You for doing that. Thank you again. Because it, it takes a lot, especially that young age because no one wants to talk about paying off debt. And everybody wants to talk about buying a new truck. Buying a boat. Yeah. And I know you guys had a truck that you got rid of in a razor and all the all the toy things, but that kind of stuff comes and goes, like you being financially free and not having those burdens, like, that's forever.

You can buy new toys. Yeah. Jake has a boat. My dad has a boat. We'll just. I'll bring I'll go to try and get the lunch. Yeah. You get the chief. Chief. End of the deal. I'll get there. 20 for gas in the boat. Well. That's awesome. I'm so glad that you came in and talk to us today.

you're doing great things. You and Dylan. little Everett's, going to have a different family tree because you guys made that decision, so that's awesome. And if you guys need a hair stylist that she loves. Blond, new and blond. Yeah, blonds. Kind of your, my my niche. Yeah. And we struggle with mine, but I still do brown hair.

Yeah, it's not just blonds. It's the. It's the hard water. And Rush County that we're struggling with. But I appreciate you coming. Thank you. Thank you man. with me and, we'll see you again on the next podcast, guys.