Money, Mindset, and the Art of Not Buying It Yet — with Jacqueline (Jax) Crider

Ever felt like your bank account has more mood swings than you do? Same.
In this episode, I sit down with financial powerhouse Jacqueline “Jax” Crider, who’s spent over 20 years helping people find clarity, courage, and confidence with their money — and she’s spilling the real tea on what financial mastery actually looks like (spoiler: it’s less about math, more about mindset).

Jax gets beautifully vulnerable about her own journey — from navigating bankruptcy to rebuilding with intention — and shares how awareness, education, and delayed gratification can turn financial chaos into conscious choice.

We talk about those sneaky money blocks that hide in childhood stories, the guilt that keeps us small, and the power of owning your financial narrative. Because when you heal your relationship with money… you heal your relationship with yourself.

So grab your journal (and maybe your favorite beverage), and get ready for a soul-meets-spreadsheet conversation that’ll make you rethink what wealthy really means.

💡 Big Takeaways

• Financial mastery starts with awareness — not a calculator.
• Money blocks usually trace back to old stories and scarcity conditioning.
• Bankr

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Transcript

SPEAKER_01: 0:02

Hey! Welcome! Welcome back to the Fitsin Project. I'm Rachel Fitzpatrick and I cannot wait to play with you today. I mean, like everything is just like a playground, right? But today's pretty cool because I've got a really awesome lady. Her name is Jax Kreider, Jaclyn Kreider, and she's a financial educator, a consultant, and an all-around like money mindset guru. She's literally an expert in money. And I have never had a conversation like this on the Fitzin project where we get to talk about money, money, money, money. And I'm so excited because she's got some real good like nuggets for everybody in this conversation. And I was re-listening to it. I just listened to it and I'm like, dang, I have some advice to follow and some follow-throughs to go to. And you can check out her just like I'm about to, even more so, on her websites, all in the show notes, everything to get with her is in the show notes. But also while you're down there in the show notes, I want to bring this to my people pleasers. That's right. If your ears perked up, I'm talking to you. My people pleasers. Can you please get out of your own way for being in the flow of making sure everybody else is having a good time except for you over the holidays? You know what I'm saying? You know exactly what I'm saying. On November the 15th, I am teaming up with Gwen, my mother, and Celeste, my best friend, on how to be present over presence. I know that sounds like it's not talking to my people pleasers, but that's exactly who I'm talking to. So presence over presence. We are here to be in the holidays together for everybody, with everybody, but mainly ourselves, right? So I want to make sure you're invited. This is a perfect call out, special for you, my little people pleaser, the mother, the sir that's out there like, oh, everybody's having a good time, but my nervous system, ah, yes. Sound familiar? Well, in this workshop, we're giving you some tools, we're giving you some tactics, we're giving you some things to take away, and most importantly, it's support when no one else is there supporting you. And that's the real deal, holy feel right there. Because through the month of December, Gwen is offering her coaching expertise to 10 individuals up to five hours for joining this workshop because it's that important. Okay. It's that important to drop the people pleasing. It's that important to be your most authentic self. And trust me when I say you're supported through the entire way, and we're here for you. So I'm so excited to give this to you guys. It's November 15th, 10:30 to noon Eastern Standard Time, and it's all virtual. So there's really actually no excuses. The recording is available 48 hours after, uh, for 48 hours after when you sign up. So for$33, it's a great investment for yourself, for your mental clarity, and all for the holiday season. Give yourself the gift. Give yourself the gift to not overstimulate your nervous system by pleasing everybody, right? So that's where we're going. And back to me in this podcast. You're gonna love Jax. I met Jax through Kathy Heller. She is in every single one of my episodes. If this is your first time listening to the Fitz In Project, I hope it's not your last. But also, if it is your first and your last, at least you know about Kathy Heller, you know about November 15th, and you know about Jax Kreider. So it's a win-win-win situation all the way around. But Kathy Heller is where I met Jax, like in that mentorship. Kathy Heller is where I met a lot of amazing women in her mentorship. And I can't, I mean, I have a plethora to share with you through this whole entire podcast platform. But with Kathy, I'm even more like ecstatic, I guess, to say that I get to meet her. So the day that this episode airs, I will be with Kathy celebrating her release of her softcover book of This Abundant Life. And I feel like that is so awesome. So, first of all, I've never really adored an author like I do with her because I've never really felt connected to an author like I have with her in a way that I really just wanted to improve, elevate, and just quantum leap into the life I've got right now. And I'm just so serious. Like it's all here because of the inspiration I receive through this mentorship. The it's also in the show notes. Check it out for yourself if you don't want to hear about it from me. Like you we're all our free agents. So anyway, let's get into this conversation about money. Money, money, money. Well, welcome back. Uh, Jax Kreider, everybody. Welcome to the Fits in Project, and I'm so excited that we get to have this conversation today. Absolutely. Yes. So I got to meet with you a couple of weeks ago, and it was a really cool conversation. I got to learn a little bit about Jack's world and where you've come from and how you got to where you are today. But tell us a little bit like where you are today and like all of the things you've got going on, because you got a lot going on.

SPEAKER_00: 5:57

Yes, I always have a lot going on. Um, for those of you, I mean, I know she probably did a little bit of a bio to kind of give you a heads up, but um, I have worked in the money space for basically my whole career. So I've spent uh over 20 years in the mortgage industry um doing all of the jobs. So from uh processing the files up front to being the originator. That's a person who is more talking to you on the front end of that file to underwriting on the back end. I've done that role. Then when the mortgage crisis happened back in 08, I actually went back to school. I got a law degree, so went to law school while I was working full-time from 09 to 13. And so I worked then in mortgage compliance. I worked for one of the largest lenders in the country, dealing with all of the laws and rules that we have to handle as an industry. So I did that. I also have sold life insurance. I've sold property and casualtures, that's home and auto. So pretty much most of what I've done over the course of my career is all tied to money. But it's kind of interesting because I am really good at math, but I really like the intersect of math and people, which is kind of like where mortgage lies, if you will. And that's really what I like to do. And then when the industry started slowing down back in around 22, I said, okay, so why do I like this in the first place? And the answer was I liked helping people financially succeed. That was sort of my, my, my heart. And I, and usually owning a home is one of the biggest rock, bigger rocks in this financial picture, right? And so that's really what my aim was. And I said, okay, so how do I do that on a bigger, broader, badder scale? And so um I decided to go ahead and expand out my offering and start another company called Financial Mastery Simplified. Um, it's DBA of House You. So, what that is, is that is a coaching platform, educational platform, podcast. And what the goal and the aim is here is to bring awareness. Um, so I'm a I'm a very firm believer in education, not always necessarily the traditional sense, could be, but um education. And then I'm also just a really big believer in you can't be a financial master of your own universe if you don't have awareness, if you don't understand, you know, where you're going, if you're not setting your intention. And so, so oftentimes people are financially failing, not because there's anything wrong with them, or not because they're bad with money, which is what they're gonna tell themselves. That's a story as the underpinning, but because they just don't understand where they're at. They don't have the awareness, they don't have the wherewithal to sit down and create the intention. And the funny part is is everybody is capable of doing this. You don't have to be a math genius, you don't have to be just, you know, um, oh, well, it's easy for you, Jax. You know, you're great with numbers. Yeah, it doesn't matter. All that is is BS. That's just stories you're telling yourself. It's just a matter of you really taking the time to sit with it and to start asking yourself hard questions to bring that awareness. Um, that's kind of a me in a nutshell, I guess, if you will, of like why I started down this path and and why I do what I do. Yeah.

SPEAKER_01: 9:05

Money is such a vulnerable topic for it. And I think it's why it gets suppressed so hard in people. And when, like you said, it's just bringing out awareness, it's being truthful with yourself of where you're at, setting intentions, and anybody can do it, right? So, like you just broke it down and everything. But your rocks, I love that you mentioned that the homeowning is one of the big rocks. What are some of the other big rocks that you help people move through?

SPEAKER_00: 9:33

Yeah, so I created a financial instincts framework to basically try to help people figure out what one of the things that most people don't realize is that you hold a lot of money blocks. Most of them were created around six to eight years old. So whatever is happening around that time. Almost everybody, uh almost every family has very fairly heavy scarcity mentality. And so, like, we have to sort of figure out how to break through some of these things. Now, you absolutely can try to do it on your own, but I'm sort of trying to create, if you will, the cheat code for, you know, hey, how do we well, how do we do this? And the program basically kind of allows people to break down some of these things and it actually uses technology to kind of help lay you bare. Because again, you mentioned the vulnerability piece. A lot of people are very afraid to have these very vulnerable, raw conversations. I actually never realized how open I was about everything, including money, until I started having conversations with people and they're like, wow, I'm surprised you're sharing that. And I'm looking at them like, why would I not? Like, that's just part of my reality, right? Like, I don't, I don't, I don't see shame or guilt or anything like that surrounding it, right? And so a lot of times one of the bigger things that people need to do, like from a real realistic standpoint, yes, owning a home is probably one of the bigger rocks, but from a really important standpoint at the at the onset, you have to really be able to strip back some of this junk, if you will, right? And it's that the most people don't do because we see the big financial rocks that people set out for us, right? Like, oh, you know, you you're working for a company, you need to set up your 401k or your your retirement plan, you need to set this much money aside for savings, you need to buy a house, like all of these big rocks that way. And they are true. The problem is that your path doesn't look like my path, doesn't look like your neighbor's path or your siblings' path, or any of those things. And so we're sort of doing it backwards. We've like created the checklist that society says we need to follow, but then we haven't stepped back to ask ourselves, like, first of all, where are blocks, like what are gonna be our blocks to like break through to those things, anyways? And then is that even what we want? Like, do you even want to own a house? I'm not pro everyone owning a home. People make that mistake all the time. They're like, oh, well, you do mortgage, you know, you you have a vested interest, you want everybody to buy a house. And I'm like, I mean, yes, you're not wrong that I do have a vested interest in people buying homes. If they don't, then I don't make money on that piece of my business. But I don't need you to own a home because I need business. I want you to own a home because you desire that, and that's gonna help you financially succeed. Not because Jack Skrider said, you should own a home, you know, Rachel, go out and buy a house. You should buy a house. Like, that's not why, right? And so this is again rolling back to why I talk about intention, because the the sad part is we have a lot of really successful people, super successful people, and they reach this pinnacle, this, you know, they've they've checked all the boxes and society, the checklist that society gave them, they met all of those things and they still don't feel fulfilled and they still feel like they're coming from a place of just lack. And that's really sad to me. Like I don't, I don't want that for anybody. I don't want it for myself, and I definitely don't want it for anybody else. So I would say that again, one of the biggest financial rocks truly is understanding and determining what it is you want and what are your motivations behind what you want, and what are your blocks holding you back from what you want.

SPEAKER_01: 12:59

Yeah. I feel that for sure, especially from being in the same mentorship with you, like we're in the Kathy Hellers world. And that has been a big awareness that's been brought to me just this year. And getting to like define to the bare bones of what I want and what I desire, it's almost been-I don't even know the real word to describe how that's really felt and shown up for me. Like some days it's been really hard to like acknowledge and like, you know, I might have an Amazon problem. Something so simple. I might have a grocery store problem where I want to buy all of this food, and then lo and behold, you know, Josh is throwing half of it away because it's molded, you know, like something like to those levels. This the scarcity thing can like it can leak into a ton of stuff, you know, like your clothes, your grocery list, and all of these things, right? But yeah, getting into that part of my life and understanding that I'm like, I'm so interested in this. Like I'm beyond interested now. And I'm so happy that I ran into you. We crossed paths, and I'm like, please tell me all your secrets and all of all your things. But what I really love about you is your own story, and I would love for you to share your story with that because you're the mastery mind of money. Like, you've got it simplified, you've got a system, you're a coach, and you're like, but I have no shame in sharing what's going on with me. I don't.

SPEAKER_00: 14:36

So part of the reason that Financial Lensing's framework was born is out of my own mess. And so on its face, I am a very successful individual. I'm, you know, multi, multi-time best-selling author. I, you know, I run my own company, I have a law degree, right? Like all of these things. And then if we're talking about like the financial aspect, you know, gosh, we we pulled in 60, 80k a month, like uh in income for a substantial amount of time. Uh owned, you know, I've been to 27 different countries, like, you know, all of the things that you kind of can check off list. Like, I I've done all those things, right? Um, and still I really didn't feel as fulfilled as I could. And I still had a lot of scarcity that I didn't really realize. And I'll tell you kind of how I figured that out. So my husband and I um both are in the financial space, um, mortgage specifically, and again, made really substantial money. And we bought a very expensive luxury property back in 21. A part of this was due to the fact that we really didn't think we were gonna have any more kids. So I've I have three beautiful adult stepdaughters that I have a really strong relationship with. And we had tried to have a baby for gosh, like four or five years, and nothing was happening. And uh, in fact, in 2020, I miscarried. And so I was like, well, maybe I wasn't meant to be a um, you know, a biological mom. I just wasn't meant to be a stepmom. That's fine. And so we just kind of had given up on this dream and we decided to buy this big expensive property. And on its face, financially, very good decision, very solid decision. It was over a half a million dollars undervalued, needed some work, nothing go crazy substantial. So that that was fine. Um, and so we bought this house. Well, we figured out at the end of escrow, we were about to close on this house, that we were pregnant. And so, um, yes. And so when we found that out, it was really exciting, but also a little bit scary because remind yourself, I had just miscarried, like not nine months before, you know, nine, 10 months before. And so it was a little bit scary of a process. And so we buy this house and we're in the process of a full-bound remodel. So I'm pregnant. We moved our office, our house. We're in the middle of a remodel. We moved, like, I mean, it was it was pandemonium, right? So obviously that'll put a little bit of strain on your business, but we're still doing really great, really wonderful. And then my daughter decides to show up eight weeks, two days early. And for anybody who is full commissioned, self-employed, you will know that that'll put a little bit of a wrench in your self-employment. I mean, I had her on a Monday and I was back in the office on Wednesday. My God. She spent 47 days in the NICU. And so at the beginning of 22, um, we were like, man, you know, we need to get our ducks in a row. We need to get our income flowing again, you know, we need to really, you know, bust our rear on this. And so I said, okay, cool. Got a plan in place, started really busting our rear on this, um, started getting back to income stream we needed to be at. Um, and then the company that we had our business and our brand underneath decided that they had really jacked up our profit and loss statement, and they decided that they were gonna lay us off the Monday before Memorial Day. They laid us their whole branch off. I had over six million dollars in the pipeline, and I'm like, what am I gonna do? So remember, we already took one income hit when my daughter was born. Now all of a sudden we don't have a place to put our brand. So I had to scramble and the place that we had to put our brand underneath, we were taking about a 35% pay cut to do the exact same job. Okay. So yeah, so we take this hit. So I'm like, okay, deep breath. It's fine. We got this. We're making some pivots, some things like that, or whatever. And we decided on a from a financial aspect, you know what? You know, because we made it to the end of 22 and we're like mortgage is starting to slow down, you know. Um, we're gonna do the financially responsible thing and we're gonna put the house on the market. We have tons of equity in this house. I mean, most of our net worth is wrapped up in that. We're good, let's go ahead and we put it on the market. So we do some repairs to the house, make sure everything is, you know, perfectly perfect, put the house on the market, goes under contract. We do not know if it was the buyer, the buyer's agent, or the inspector. Somebody leaves a half bath water running and we uh it runs for three and a half days, floods a house, and does over half a million dollars of the damage to the house. My God. And then already needed a half a million dollars worth when he bought it. Yeah, and we'd already done a lot exactly. We'd already done a lot of remodel ourselves. We didn't seem to have a lot. Yeah. Um, you know, we're now like, oh my gosh. And we had been on that kind of precipice of if we didn't get the house sold, financially a lot of cards are gonna start falling, right? Because most of our equity is tied up in our house. Yeah. And so, like, what is gonna happen here? And we clearly couldn't take a loan out against the house because it's in disarray. So, like, what happens? So things are going late, you know, whatever. Also, in this process in this period, we're living with my parents. Um, and my parents are wonderful, amazing people. Uh, but my mom can be exceptionally critical on me particularly. So I'm like experiencing full-blown, like getting smacked in the face with all the stuff from childhood, right? If you've never gone and lived back with your parents again and you do it after 20 years of not living with them, holy crap, a lot of stuff's about to bubble up. You had no idea. Um, and so all of these things are happening in concert. And I was going through all of the feelings and all the emotions, right? Like, did I make the wrong choice? Am I a failure, right? Like, what did I do wrong or whatever, right? And like all this normal stuff that's gonna bubble up. But the truth is, is that we did it intentionally. And there's a lot of things that were outside of our control, right? Like I couldn't control that my daughter came early. I couldn't control that my industry started slowing because of the interest rate rise. I couldn't control that somebody else, a third party, left a half bath water running. Like that was outside of my control. Like, there's all these pieces that were outside of my control. And I had to remind myself of the intention that we decided to live with and the fact that obviously when things happen, I firmly believe that they happen for a reason. And what is the reason in these? And so a lot of these programs and things that I've started and created have come out of this place of, you know, hey, I did everything financially right and still my life melted down, basically, right? Like became a financial hot mess. Like, here I am, the expert about money, and like here is what's happening in the back end of my life. And I just firmly believe that, um, and when we're still not completely out of the woods, like the market, because the market has not been as good as what it could be after we relisted the property, it sat um for a substantial amount of time or whatever. And so we made the decision after not living there for almost two and a half years. So we actually been paying on the property for more time than we'd lived in the property when we had moved out. And we decided to go back or whatever. It isn't always going perfectly. And there is a lot of frustration that comes, right? And there's definitely those bathroom floor moments where you just want to lay on the floor and like cry your eyes out and be like, why me? But the thing is, when you are living an intentional life, a life where you have financially mastered your ability to understand what it is you want and what you're seeking after, it's a lot easier to step back and say, okay, life is happening. Yes, it is happening to me, but I don't have to allow that to negatively affect me. I choose to see gratitude. I choose to see positivity, I choose to realize how blessed I am to own this house that most people couldn't even imagine owning in their lifetime, right? And here I am owning it, right? So, like again, perspective, putting things in perspective, having conversations, you know, allowing it to open doors. But so often we allow ourselves to get caught in the muck and just allow ourselves to believe that, oh my gosh, my life is ending. And pardon my French, but it's bullshit. There's literally nothing that you can't overcome. Literally nothing. I mean, in essence, in a weird way, I was homeless, like living with my parents, like paying like a jillion dollars a month to like deal with all these other things. You see what I mean? I'm like pouring into people, finding ways to get back or whatever. That has to be where you come out of a place of, right? And it has to be that decision to live intentionally. And it isn't easy, and it's not always pretty, and it's not always, you know, um, just like, oh, wow, you know, and and oh, it must be so easy, right? You're living in this big, beautiful house or whatever. Well, and I I don't even think I told you this. Uh, a couple months back, we think it was like some of the workers that like because our community is a gated community or whatever. And the only way that anybody could access any house is from the golf course that have come golf course up. Well, there's a vacant lot that's beside our house, in between us and another house. And we think it was some of the workers they uh came up and they broke into my house and the house next door. Now it was stage of the time. None of our stuff was in it. All of our stuff had been in storage. And so they really didn't steal anything. There was really nothing to steal. But now I have to replace like almost a thousand dollar like set of glass out of this big expensive door at my house because somebody chose to break into it. And so again, like, I can again say, poor me, like, you know, whatever, blah, blah, blah, blah, blah. But again, what good is that gonna do?

SPEAKER_01: 23:58

I think it's really awesome you hit something, and I'm gonna take it back there for a second, was as an adult, and you moved back in with your parents after 20 years of not living with them, and then you're coming back in and all this childhood stuff is bubbling up. And I I feel that in my bones because when I left my hometown and then I moved back after I had my son, the same thing happened. And I actually live in the house now that I grew up in, which is all bizarre in its own story and timely and divine and all of that by itself. But it was, it's been really fun going through all of the childhood traumas that I thought was just so bad all the time. And then getting to revisit that as an adult and having that awareness now, and that, like, as you said, there was nothing that that couldn't you can't go through or get through or be learn from. That's just been one of the biggest, best, probably hands down the best decision I've ever made was to move back home and face that. And then the next thing that came from that was a bazillion blessings. And I and I can't unsee it. And I couldn't be more grateful.

SPEAKER_00: 25:09

And I think sometimes we're framing this up like, oh my gosh, you know, what a failure am I? I mean, here I am, literally on my 40th birthday in my parents' house, right? And I'm a very, very independent person. Like for some of you listening who maybe that doesn't bother you, like to live with other people or whatever, that's amazing. And I applaud you. For me, that's not my way. I'm very highly independent. I don't like being told what to do. I don't like, it's not that I don't like authority, but like I definitely buck at the rules, so to speak, right? Like my whole podcast is like your life, but it's basically in a little bit of a way, bucking the rules, right? Bucking financial rules, bucking societal rules, bucking just rules in general. And so going back and being with your parents, and mine happened to be fairly authoritative, fairly strong personality. I know that surprises everyone listening based on the way that I've been speaking, right? Because the apple doesn't fall very far from the tree. But the truth is, is like you said, like so much blessing came out of it because I was able to see myself so much more clearly and also able to see my parents so much more clearly, and even sort of discovered some of the ways that I can better help people when they're encountering these situations, especially when it comes from money. Because family and money, man, wow, like it's so heavily tied, right? Like way more than people give themselves credit for. And it's it's just really, really interesting. And especially since those are the people who helped us create our financial, like sort of rules, if you will, to begin with. Which is an interesting thing. And so, man, baby, yeah, you want to learn a lot about yourself. Go on back in, live with them there for a minute.

SPEAKER_01: 26:50

You don't have to stay for a while, a long time, but get in there for a minute. I find that hilarious. You're like, I've always been wanting to buck up against the things. I'm like, my grandpa just dropped the words that I'm the patriarch, like five times the other day. I'm like, get out of here with that mess. And not listening. A hot mess. That's what you are, um, to think that that would work. But anyway, yeah.

SPEAKER_00: 27:11

I think that's so funny. Yeah, I don't I don't do well with it. Um, and it's just like anybody listening who has been experiencing their own mess. First of all, don't judge yourself. Maybe it's because of life, maybe you made some missteps or whatever. But yeah, like me too, right? Like sitting in shame and guilt because my family is the kings and queens of the shame and the guilt. Um, I feel like that comes from the roots of the South, as well as like that good old Baptist, just like, let's guilt him into it. I don't know. But I had to learn to like push back on that narrative, right? Like you have to learn to just kind of step back and be like, hey, look, because there's a difference, right? And guilt and shame are different. And they're a very, there's a very fine line. You can accept responsibility for your choices and your actions, right? And decide that maybe you made a misstep. And so moving forward, I'm gonna choose differently. That is taking responsibility. Guilt and shame is when you basically have told yourself, well, I'm stupid, well, I'm an idiot, I can't believe I did this or whatever, right? And I'm not saying you're not gonna have a moment of that, right? That's obviously just natural to sort of bubble up in you, like, like, yeah, I did this to myself kind of thing. But the truth of the matter is even somebody like me who has all the data, right? I mean, I pride myself on being an expert in my space, and I am I am an education nut, like I will go down every single rabbit hole researching to the hilt to understand things and how they work and how to best, you know, uh maximize on them and all these things. Literally, it is it's what my brain naturally does, okay? Yeah. Even then you can still end up with your life as a dumpster fire in the background, okay? Like, hello. That is pretty much what I've been experiencing for two or three years. Um, it's just one of those things where you have to just step back and give yourself that grace and give yourself that thing, and then just again continue down the aligned intentional path, right? Because that is all that can happen there, right? That's all that can happen is that you just continue to move forward. Um, you can't affect all of the rest. And you sure as hell can't go back to the the the past and say, Well, we're not gonna make that decision. So unless somebody is a minute time travel, which I mean, as far as I know, that hasn't happened yet, although Back to the Future is an amazing movie. Let's talk about such a good movie. That's a good movie. But unfortunately, that's not been the case yet. And so beating yourself up is not gonna help the situation. Yeah, it's just kind of like a waste of time.

SPEAKER_01: 29:47

It is so when you went through all of this, and I mean, this is just so recent.

SPEAKER_00: 29:52

Yes, you're like you literally moved back into the house like four weeks ago. Weeks.

SPEAKER_01: 29:58

All right, right, like four weeks. Weeks ago. This is a thing that has been happening for years and it's still in it. And I love that like you've found this grace and the self-grace for your emotional side of it, but like with your education and how to move that through it with you, what is what does that look like now? Education, you mean like a partner providential steps? Um financial steps or what that I guess where I don't know actual education around the money piece, other than like wanting to get into the want side of it and where I'm at and being honest with that part. But like what about where is that for you? Because you then realized you could live back into the house. You move back in four weeks later. What does that look like, I guess, going forward, maybe since you're still in it?

SPEAKER_00: 30:52

Yeah, absolutely. So, I mean, first of all, my husband and I needed to ask ourselves some hard questions about how do we financially pivot, right? So he took on a new and different job, right? Something that can kind of help bridge some of that gap, et cetera. And then I obviously have continued to seek out abundance, you know, look for uh additional ways that I can partner with people to grow the offerings that I already am doing and getting myself back to a place where I can make the kind of money that I was making previously, because getting back to that kind of income stream, then it's, you know, it's no big deal, right? To be able to afford any of it. That's that's not the issue there, right? Also, looking and considering hard things like bankruptcy. Does that make sense, right? How does that factor in? How does that, how do all the pieces affect? I think there's a lot of shame uh surrounding bankruptcy. And it's just a tool like any other, and you have to just understand it and understand how it works, what it looks like, if it makes financial sense for you to do it. Definitely you have to also understand the repercussions. So a lot of people don't understand that if they file bankruptcy, the length of time there is gonna be a fairly large period of time where you're not gonna be able to qualify for traditional financing when it comes to like mortgage and stuff like that. But what a lot of people don't realize is mortgage, like anything else, it's all a risk game. Okay. So what I tell people all the time is is like, let's say that that is the case you file bankruptcy or whatever, okay? But then let's say that it puts you in an amazing financial position. So a year, two years down the road, now we've got tons of income flowing in. We have a ton of money in our accounts or whatever. You can do non-traditional financing now. And yes, you're gonna have to put more money down. And yes, your interest rate's not gonna be as pretty, but you still can qualify that way. What's just not gonna happen is you're not gonna be able to get a very standard loan with a very regular interest rate because it's higher risk because you've followed bankruptcy. And I'll even explain to you why. Again, a lot of people think that when it comes to mortgage or any financial product that it's just the big bank, you know, looking down on people and blah, blah, blah, blah, blah. It has to do with patterns. And your financial pattern is usually an indicator of what risk factor you're falling into. Okay. And so what's happening is that they're using actuarial tables. Okay. And for those of you who don't know what an actual table is, basically it is a statistical model where they take data points across a really wide band of people and they figure out, okay, if you have this credit score, you're this percent likely to pay your mortgage and you're this percent likely to pay on time. If you have this credit score, this is the case. If you file bankruptcy, this is the case. If you have at least this much percent income, so there's something called debt-to-income ratio and mortgage, which means the amount of debt you hold overall divided by the amount of money you make a month, and there's that, that creates a percentage. So if you hold this set to income ratio, what again is the likelihood of being able to handle these things, pay these things? And so all of these models is simply going into a funnel to figure out if they can loan you the money and they're gonna get the money back. Cause let's be real, they're not just loaning you the money out of the goodness of their heart, right? Like that is not what's happening here. And so a lot of people, when they are considering some of these hard financial decisions, what they don't realize is there's no necessarily wrong decision. Okay. Like I absolutely hate that word. It's not about right or wrong here. It's about making a decision and understanding the outcome and the potential consequences of the decision. And that's good and bad consequences, right? Because I think in consequences, we put a negative connotation surrounding that word. And we should not do that because consequences can be good or bad, right? We can have, we could have, we could have both. And so you just have to be able to like kind of strip strip back. And so that's one of the things I talk about on my podcast too, is sometimes I'll give very practical information of how do you understand these products? How does this work? Right. And then a lot of times I'll talk about other aspects like mindset and things like that. Uh so it's kind of a weird way around. And I answer your questions.

SPEAKER_01: 35:00

Yeah. No, you did, you did, because I'm like the bankruptcy thing being even an option and knowing that that is a tool is isn't necessarily that does not mean it's a last resort. It means that it's just an option as a tool. And I think that is so empowering to hear because I mean, we not we, but like I've been in situations where I've seen that happen and it with it used as a tool. Wow, it changed the trajectory of my entire family in the best way. In the best way. And I mean, was like so without telling someone else's story, but I guess that wouldn't mean that I would tell somebody else's story. But anyway, either way, I experienced it as not necessarily exactly firsthand, but in second nature. But it was also one of the best things that could have ever happened and be used as a tool. And I feel like that is such a smart thing to do if you understand the pros and cons. And there are going to be pros and cons in both sides, as you said. Like there's good consequences and bad consequences, and it just getting comfortable with both. And I guess what would you do? Is that like your is it a nervous system thing for you? Is it an emotional aspect? How do you get comfortable with the pros and the cons being on your plate?

SPEAKER_00: 36:27

Yeah. So I think you definitely do need to do some nervous system work as well as like some emotional, you know, asking and assessment, if you will. Because, first of all, you know, anything when it deals with the courts in a lot of cases is public record. So a lot of times, again, it's like divorce and anything else, like you can go kind of dig that up, find that. And so for a lot of people, this is again why they don't want to go through this process, is because it's sort of like the scarlet letter, right? They're gonna be wearing this letter around or whatever. You have to detach yourself from your financial situation. What I mean by financial situation, I mean the dollars and cents of it. Okay. Like you have to step back and ask yourself from if I was a financial planner, if I was an attorney, right? If I was looking at this from the outside looking in, what would be the best situation in this particular scenario, right? You also need to be doing work, because this is one thing that I will say that you have to be very heavily careful about when it comes to bankruptcy or anything else. You have to be able to ask yourself too, you know, what uh am I willing to do the work that led to this situation in the first place, right? Because the situation could have been just like a really horrible situation that cropped up that you had zero control over, right? Or it could have been a pattern of financial decisions that were maybe not made in the best mindset with the best intention, with the best, you know, mastery level. And if we are doing this as a tool to reset and then we are moving forward and helping fix some of these patterns, fix some of this nervous system situation, right? Fix some of the scarcity that led to the situation to begin with, to get ourselves back to square one, great. But if we're not willing to do the hard work and we're just thinking that this is gonna be the quick fix, I promise that's not gonna be the thing. It's not. And this is again why they looked at the actuario tables. Because if you consistently are making late payments, late payments, late payments, or whatever, it's telling somebody, if it's not just a one-off, it's telling them that you are not handling this aspect financially for whatever the reason is. Like they're not, they don't care about the emotional piece. You should care, but they don't care from that that respect. And so, yeah, I mean, there's a lot that goes into that. There is a lot of blocks that are that are coming up. And you again are gonna have to do some hard work and figure out what are those, right? Like, why am I being this way or whatever, right? And it's just really, really interesting how stuff crops up. Like, I'll throw myself under the bus. So I'm good when it comes to financials. I understand them. I understand how money works, compounding interest, you know, both on the credit card side and the investing side, all the things, et cetera, et cetera. But I grew up with pretty heavy scarcity mentality because my mom, she grew up very, very poor. She never ever wanted to be poor again. And so she very much kind of held her money really tight and not that exactly hoarded it, but kind of sort of in a way, unless it was something that was really important to her. If it was something that was important to like, let's say myself or my brother, it was like, no, this is the amount of money you have. You're not, you know, whatever. And so, in a weird way, what this created in me was this desire to buy whatever I wanted to buy whenever I wanted to buy it, however, it didn't really matter, right? And so, even though on its face, I understood that those weren't always the wisest decisions, let's say, I would do it anyway. Because again, the way that my scarcity mentality brain kind of wiring was is that. And then plus, you layer on the dopamine button getting pushed when you're like buying those things. You layer on the fact that we live in consumer nation where, you know, we're heavily marketed to all the time. You need all the things and YOLO and whatever, right? It exasperated it and made it worse, right? And so a lot of times then I have to try to learn to not only get over this block, right? And continuously work to reset it, but then also what kind of games can I play with myself that are fun to avoid some of this negative aspect? Yeah. Right. Because your programming is your programming, and even though you're resetting it or whatever, there's gonna be a certain part of you. And that's again what Financial Instincts Framework is about, because you're gonna figure out what your financial spirit animal is. Mine is a frivolous fox. I like to be frivolous and buy things and have fun and whatever, right? And there's there's not anything inherently on its face that's wrong about that. And so I'm not gonna shame that part of my personality. I'm just gonna learn to use those things to the best of their ability to then further my own financial gain. That's so exciting.

SPEAKER_01: 41:01

It's like your human designing buttons. And I love you said that frivolous fox is your spirit animal. That's so cute.

SPEAKER_00: 41:08

But I joke all the time. For those of you who are watching the video, I don't know if you can see there's like 400 purple cups in the background. And then I always do this on my own podcast. I'm like, look at how many purple cups. I'm like, do I need 4,000 purple cups? No, I do not. Do I own 4,000 purple cups? Yes. Yes, I do.

SPEAKER_01: 41:26

Absolutely. Oh, that is great. Man, now I really I seriously want to know what my spirit animal is, my financial spirit animal.

SPEAKER_00: 41:32

I got to do that. I'll just see, I think I can send you the quiz and you'll have to take it or whatever. But yeah, I mean, like I said, for me, it's just people just have to understand when it comes to finances in general. Look, here's the deal. You're not gonna know everything there is to know. You're just not. And how how do I know that? Because I'm a nerd. I like to have all the information and I can't wrap my arms around all of it. Okay. So I'm not saying that that doesn't mean you're not smarter or more capable than me. You may be, that's perfectly fine. But the amount of time and energy and like just everything that that takes, like, it's just not feasible, right? And the amount that things change in my space, and and and so now you have to, this is again where intention comes back and understanding yourself and knowing what, you know, because if, you know, if you if you do prescribe to human design design at all, how do I make a lot of those financial decisions? Well, gut, because that is what governs me. And so I'm like, okay, well, I need to make, you know, a good decision and I'm gonna do my research and do my due diligence and make sure it kind of aligns, and I'm gonna look at it from that aspect, and then I'm gonna trust my gut and I'm gonna go in my gut, right? And also I tell people all the time, mortgage specifically, it blows my mind. Why are people not seeking out experts? You don't have to know everything if you hire the right person, right? Like with these big decisions. Now, I'm not talking about like your little$5 a day decisions or whatever. Like, that's whatever, right? You should be able to make those. But the big ones, like, hire somebody that you vibe with, that you trust, that you feel like have they're in your corner. And um, again, society has done us wrong. They've told us interest rates the only thing that matters. And I'm like, that is such bullshit, man. Like, there are so many other factors here, but of course you wouldn't know that. You're not the expert, and you shouldn't have to be. I literally wrote the book on it. And why did I wrote the book on it? Because I wanted people to be able to have an understanding of how that looks and to be able to pick people that are fully in their corner and fully helping them make aligned decisions and not just willy-nilly fly by the seat of our pants decisions. What are your book titles? So Mortgage 101, The Secret Sauce is Homebying, is the main book that I have. I've been in about four or five anthologies. The two that are about to drop, one of them is called Rise of the Phoenix. What is Rise of the Phoenix? What's the there's a there's one of them, The Rise of the Entrepreneur, and the other one is The Empowered Woman, I think. It's something like that. I don't know. I've been in so many anthologies I can't even quote. And the book that we'll drop next year is called Ask the Question. That's actually about intellectual curiosity and how it's actually everyone's superpower and they just don't tap into it, and which is sad for me because it's the thing I like doing most. I like asking questions more than anything.

SPEAKER_01: 44:06

That is cool. So is your financial instincts framework like is that your course? Is that one-on-one? What is what's that look?

SPEAKER_00: 44:14

Very good, it's a very good question. So it is a three-month program where it is a combination of um coursework, group coaching, and then occasional one-on-one. There's like a one-on-one, like a like a touch point with me once a month where we're just trying to see if you're on the right path, you know what I mean? Like where we might be struggling or whatever. A lot of the work, truthfully, is coursework because I have created a lot of technology that is intended when you're doing homework for it to push back on you. So basically it comes from a very kind place, but it's basically supposed to challenge your viewpoint. So if you say, Oh, you know, well, I'm horrible with money, it's supposed to challenge that viewpoint and also force you to go deeper into it and try to see, okay, well, why are you feeling that way? And like basically helping bring awareness to you, if that makes sense. Yeah. Um, but yes, the other uh, the other program course that I offer in current state is called House U. House You is basically my book, but in a course work, like in a course framework. So it's supposed to help you kind of understand what are the what is the big rocks in the the process of buying a house, right? Like what kind of questions should you be asking yourself? There's checklists, you can kind of help figure some of those things out, stuff like that. So the biggest factor for me is is again helping foster self-awareness. Because here's the deal. I'm not the expert in the sense of like wanting to help you figure out where you're gonna make your investments. Okay. Like, yeah, if you want to buy a house, absolutely. Myself and my team, we're gonna help you with that. We'll help you. We are experts in that space. The other spaces, I have amazing connections with other women and people, like professionals in the space that I can place those people with when they're at those levels. My job though is to bring you the awareness to help you figure out, okay, I've been feeling financially stuck. What's going on? Where am I strong and not having guilt around that? And then where do I need to be reset and how do I figure that out, right? Like, how do we dig into the pieces of it to figure out some of those things? I offer some other things that are smaller that people can do as like a general reset. There's one called, I'm trying to think of the actual name of it. It's like$27 and it basically is trying to help you give you some guidance to reset some of those kind of things. The problem is, is with some of those, if you're not going really deep, it will likely not fully take, if that makes sense. It does. Um, so one or two things probably will. You'll probably create a couple good financial habits out of those things. So they're they're definitely worth the money in that respect. Cause even if it can help you have one aha moment or whatever about your financial life, that's awesome. Um, but for people who really want to do really deep work, um, they probably need to do something a little bit bigger in that respect.

SPEAKER_01: 46:58

One of the things that you mentioned a minute ago, you're saying you needed to kind of fill your time with what you were buying or whatever. And it clicked with me. And this is, and I didn't know I was doing this until you just said that. So I had at one point an Amazon problem. And I would 100% consider that a problem because my grandpa and my mom used to always joke, you get a package every day. And even the other day, Josh was like, Are you gonna stop going on Amazon so much? I'm like, I don't do that as much anymore. And I'll tell you why, is because I got into a new hobby and I got another app instead. And it was still signaling these dopamine triggers, but it was like fun, like math teasing stuff and just like kind of getting into basically a knew I wasn't really gonna change my style of how long I was gonna be on my phone. Yep. So if I was gonna be on my phone, it wasn't gonna be to shop, it was gonna be to do these brain teasers.

SPEAKER_00: 48:00

You yeah, you definitely have to do some tricking sometimes of your own mind, or like I have a habit of um fake shopping, that's what I like to call it. I think I did an episode one time about this. I can't remember on my own podcast. But basically, I will literally go and like add things to my cart, um, either Amazon or Target or wherever it is, it doesn't really matter. Um, or even create wish lists of things like that, but I will never actually check out. Um, and so what'll end up happening is I sort of wait and I wait until um I get to a point where it's something that I am like, yes, I really need this, or yes, I really want this. Basically, if the decision, if I've been able to wait for a significant period of time, 48 hours plus or whatever, right? And it's still kind of cropping up in my brain and still something that, you know, whatever, then I start asking myself a series of questions like, do I really want this? Do I really need this? What's gonna be its function? Do I have something that already does this? If I do, then why I do I need this or whatever? What am I doing with the other one? You see what I mean? Like, I kind of try to walk myself through a series of things, not because there's anything wrong with me wanting to buy something, but because the truth is, is that we do buy a lot more things than we need or whatever, right? Like, and it's funny, I try to remind myself, like, my oma, my mom's mom, I'm not even joking you. I must have been 30 or a little less. So, I mean, she was had to be at least in her late 70s, early 80s when this happened. She replaced her couches that were like 70 years old. Like, she had basically, it wasn't quite that old. I think it was like 40, but still, you know what I mean? When was the last time you know of anybody that is 50 or younger that hasn't replaced almost everything in their entire life, like multiple times over in the course of their life, right? Like, I mean, my parents were cleaning out some stuff or whatever, and they still had some of their wedding gifts from when they got married, and that was almost 50 years ago. And they still have them and use them. And I was like, what is happening? Good for them, right? But also, what is happening? So I think that sometimes we just have to kind of like go through a process or whatever, right? And kind of figure that out. Because, like, for instance, I joke, but like my operations manager, he's the exact opposite of me. He doesn't buy a lot of things. He's a heavy, heavy, heavy, heavy minimalist. He'll like never buy anything, right? And that's not really the way either. And so, you know, like, um, so it's just like I said, it's interesting. And also sometimes I'll play games of myself, like, okay, if you don't buy anything for like two weeks or whatever, then you can have, I don't know, whatever it is, right?

SPEAKER_01: 50:47

Like some type of delayed satisfaction, delayed gratification for sure.

SPEAKER_00: 50:53

And here's the other thing that most people don't realize in general. Part of the reason that we don't feel fulfillment anymore is because we don't have a lot of delayed gratification. Um, and there is something mentally that happens to you when you have some delayed gratification, right? When you've actually earned stuff. Like I have been preaching to the top of my lungs for I don't even know how long. I've been preaching to people, guys. The reason that we have a whole society of kids that are mentally struggling is because they have they've never come up against resistance. And resistance builds muscle, right? It builds the ability to push back and to realize that you have self-worth, that I'm able to overcome negativity and negative things, right? Like things that that weren't unexpected or whatever, right? And then we have not given them any delayed gratification. They're used to, I want, I get, same moment. That isn't real life. Like there's so many things in life, you are not just getting them by wishing for them or wanting them, right? Like they take time and effort and intention or whatever. And I'm not necessarily saying that it has to come out of like struggle and strife and turmoil or whatever, right? Like, that's not what I'm saying. In some cases, like when we're living an aligned life and a life of abundance, things do naturally flow to us. But sometimes there's gonna be a rock in the path, right? Or or a hurdle that we have to overcome. And if we don't know how to deal with it, we're gonna feel pretty crappy about ourselves if we can't, you know what I mean? And like we have to figure out ways to muscle through it. And so I tell people all the time, I'm like, man, you don't want to strip all the resistance out of your kids' lives. I know it sucks. I hate watching my kids struggle. I hate it more than anything. But I also know it's good for them. And then I can show them, look, look, look what you overcame, like, look what you did, right? And financials is no different. We have to feel we have to feel that pain a little bit and then come out on the other side and be like, all right, we got this. We got this. Yeah.

SPEAKER_01: 52:50

That is the best, that's so full circle for this whole conversation because that is exactly when you have that resistance and you've had that to grow that muscle, when you're in the situation like, for example, you just are in and four weeks into back into your house, you are able to realize all of those blessings and all of those hurdles that you have been experiencing for a few years now. And that is if you had never had that resistance or never had that muscle, so to speak. I mean, could you imagine the pitfall of self-pity you would be in that you just literally an 45 minutes ago were saying how you weren't falling into that. You're not that's a story. That's a thing it is a story that your brain wants to tell you, but you have to resist against. Yeah. And it takes a lot, and I think it it is such a muscle. I'd I 100% would call it that every day because it takes a lot of energy to stand up to it. And yes, for sure. Your ego. Like you can't just let that overcome and take in your entire life.

SPEAKER_00: 54:05

Well, the funny part is I think a lot of the things that I teach both on podcasts and in programs and things like that or whatever, is a lot of self-trust. It's a lot about life mastery. The reason that it's about money is because it is my expertise. And then also societally, we've placed such heavy pressure around it. Like that is the end all. Um, and I think in a lot of ways, I'm trying to remind people that financial mastery is not about how much money you have in your account. It's just not. It's not even about reaching the pinnacle of owning a crazy house like I own or any of that kind of crap either, right? It is about figuring out what it is you want, how you want your life to look, right? Understanding the mechanics of the financials of how to get there and setting out on a course to go there. And you may end up a little bit of a different place than you thought you were gonna end up at the at the beginning of the journey, right? And it may look a little bit different, but when you're living in alignment with intention and having the awareness of digging deep and like just, you know, kind of uh of being even empathetic with your own self, right? When you're when you're going down these paths, something changes, everything changes. And you start feeling fulfilled and you start feeling good, and you start just loving the life that you're in as opposed to dreading it every single day, right? And it is, it's a different, it's a it's a very different experience. It just is. I love that.

SPEAKER_01: 55:32

I love it, and it creates this like adoration that it's such a humble, humble feeling, you know? Like after I love it so much. I love this work. I mean, whether it be finances and money and your expertise, or whether it be with mine and doing meditations and yoga, and I'm I I put all of this practice into play with my job as a project executive, you know, like it's always there in the forefront of where I go. And I and I love that you can apply it to all aspects of life. That is just so cool. That and that's also why I have you on the podcast because like I mean, duh. That's it's interesting.

SPEAKER_00: 56:16

Because it's because it's all interlinked. And that's the other people being that people are not they're not making awareness around, right? It's like they're like, oh, well, Rachel, you do yoga, whatever, but they're but they're all interlinked, right? Like the meditation aspect, like the self-awareness aspect, the money, like all of it is interlinked. And so um I highly encourage you, if you're listening to this podcast, to connect with people who are resonating with you on whatever self-awareness piece you're at in your journey, right? Whether it be, you know, going deep in that yoga in the meditation state with somebody like Rachel, right? Going deeper on maybe um, maybe there's another aspect of your life, maybe the health aspect, right? Like we're trying to master these pieces or whatever. Because the truth is it's all interconnected, but you've got to kind of start somewhere. And so usually where we're starting is somewhere that we either feel like we're lacking majorly, right? Or something that we feel like we haven't done as good of a job on as we'd like to do. And so we kind of are stepping into that. And so um definitely just know that you're no different. Like maybe some of us are a little bit farther down in the journey than you are, but that doesn't necessarily mean that you're behind or that there's something wrong with where you're at on the journey, because I I hear that a lot too. You know, and and I can tell you being in mortgage, we have helped a 70-year-old person buy a house, very first house. Like I'll never forget it. Tears streaming down her face, right? Like, so excited because it was a huge goal of hers and she'd never been able to accomplish it. And here she was signing to buy her very, very first house, right? And so there's just it's just never too late. Like it's never too late to like to live a life that is intentionally yours and a life that is on your terms. And so um, I just can't encourage you enough to to step into that and lean into that. Yeah, that is beautiful.

SPEAKER_01: 58:05

Thank you so much, Jax. I appreciate this more than you know. Maybe I don't know, maybe you do know, but it just feels so refreshing. It's like a nice glass of lemonade, you know, on a hot day. That's what this conversation feels like to me. And I really appreciate that and your ability to share your own path, your ability to share actual tangible tools with people and everything that you're providing with your coaching and your framework and your programs.

SPEAKER_00: 58:35

I think the world needs it. I really appreciate that. And I appreciate you giving me the opportunity. I mean, I don't shy away from hard conversations because the truth of the matter is, is that my story hopefully will touch and resonate with others, right? Like maybe I had to go through something difficult for somebody else to recognize and realize, hey, me too. I can get through this too, right? Because we're all here trying to help each other grow and expand and live these beautifully, wonderfully rich lives. And that's only gonna happen if we're not afraid to shy away from the things that have transpired within us, right? Like we have to give others a hand up and a leg up to be able to accomplish their own greatness. And so I just appreciate the stage to be able to speak to that effect because for me, it's a mission and a calling that I've been on since I was a very little girl trying to help people just sort of achieve what they've been called to be. And so I'm not gonna stop ever, no matter how many crazy hurdles get thrown in my path, I guess. Right. Right.

SPEAKER_01: 59:43

Just a testament to the truth of time. That's all. Exactly. Well, thank you so much. And I will put all of your information in our show notes and how people can contact you when they're ready to step into this journey for themselves and within. I love that. So thank you. Thank you. Yes, so you loved it, right? Jax is awesome, man. She uh you can also like you can just hear how real she is in this conversation, which I loved. So I wanna wrap it up for us in a tight little bow, package it up and like give it to you too as a gift. But the top takeaways from this conversation, please just be in remembrance as we move and we start going into the holidays. Um, for one, not to forget November the 15th. November 15th, the presence over presence workshop. But also with this conversation, um, it's so perfect for this time of season right now because for one, Jack shed so much light to us. Awareness is the real wealth. That's the real wealth. It's just having awareness. And money blocks are often emotional, not mathematical. And truly, like I know uh within the podcast, I mentioned about my uh ties into Amazon or overbuying for food. Like that is a real thing, you know, that SARSD coming from that. So um having that intention over impulse always, you know. And uh, what I loved about Jax's vulnerability is that bankruptcy isn't failure, man. It's just a financial reset. It's basically like you're it's a financial blessing, quite frankly. And then vulnerability that builds the real wealth. Vulnerability builds wealth, and when you are educated, you're empowered. So, not to forget our biggest superpower here: delayed gratification, delayed gratification. Oh my god. Josh talks to me all the time about delayed gratification, he's actually really good about it. I, on the other hand, it's a work in progress, so the more you know, people, resistance builds financial muscle, that's like hand in hand right there, and the fulfillment over fancy, you know what I'm saying? Fulfillment is greater than fancy. Yeah. So you can always rebuild, you can always begin again, you can always have that reset that you need. But when you have this education, when you have the vulnerability to meet yourself where you are, like talking about it, and get into that awareness of where you are, man, you're just gonna soar in your finances. So that's a real thing. I would love for you to check out Jack's. I'd love for you, if this is a conversation that spoke to you, to reach out to her, man. She is so available for you, she's so available to help people in a real connected way. And she's got some genius things going on right now. So follow up with her if you're loving it, if you love the conversation. If you know somebody who would love this conversation, share it. Because that's that fun. It is that much fun. Just to share a very great combo with somebody. Be like, hey, do you listen to this? And then maybe y'all can have to your own tea party afterwards. You never know. So, all right, y'all. I'm gonna wrap it up with a nice little um. Let's bring it in, hands to the heart, an um after a breath. The light in me sees and honors the light in each of you as we share the same light. I'm gonna stay, folks.

unknown: 1:03:52

Have a good one.