012: The Long Game | Relationships, Risk, and Real Wealth with Amy Hubble

In this episode of The MindHER Podcast, Mandi sits down with one of her oldest friends and most admired leaders, Dr. Amy Hubble, founding principal of Radix Financial, for a powerful conversation about mindset, money, leadership, and the relationships that shape everything.

Amy’s career journey spans trust companies, entrepreneurship, global finance, and launching her own private fund—and there’s one undeniable throughline: every single opportunity she’s ever had came from relationships. Not resumes. Not job portals. Not perfectly planned career moves. Connections, conversations, and trust opened every door.

Mandi also reflects on a moment where Amy changed her life with a simple sentence spoken years ago that quietly rewired how she approached risk, leadership, and her future. Listen to hear exactly what was said and why it mattered so much.

This episode is packed with wisdom you’ll be thinking about long after it ends, including practical advice for what to do when you win the lottery (yes, really).

If you’re an entrepreneur, leader, or someone standing at the edge of a leap — this conversation will remind you that success is rarely about having it all figured out, and almost always about who you build alongside.

Keep up with Dr. Amy Hubble:

Website: https://www.radixfinancial.com

Instagram: https://www.instagram.com/radixfinancial

LinkedIn: https://www.linkedin.com/company/radix-financial-llc

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Transcript

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You are listening to The Mind Her podcast where mindset, leadership and personal growth come together to help you create a life and business you truly love. I'm your host, Mandy Casey, and today we've got a very special guest that I cannot wait to introduce to you. I admire her so much. Welcome Dr. Amy Hubble. Amy is the founding principal at RAD X Financial, an investment and wealth management firm, and she's also one of my dearest and oldest friends in the entire world. We started out as colleagues almost 20 years ago. I'm like, man, how is that so long ago? Sometimes I feel like it's been 40 years. I would agree with that when I started, I actually took your position at the company. We joined. Yes. I had been in that position for all of what, three months and I, I clearly wasn't very good at it. Well, I'm glad I was able to step in. They had to find somebody better better. So, listen, I would love for you to introduce yourself to those listening who do not know you. Tell us about yourself personally and professionally and what got you to this point. Sure, sure. Like Mandy said, I graduated from college, Oklahoma, a Christian, and I had no really idea what I wanted to do with my life. Honestly, at that point, I was pretty good at school, so I knew that I, I liked to do that, so maybe I'd go get a master's degree or something. Again, not, didn't even really have very much purpose. I actually had. Graduated with a degree in marketing, which, you know, when I picked a marketing degree in 2003, I mean, you think about how different. Even the definition of marketing is. An entirely different world. But you know, Facebook hadn't even been invented, and I feel like we're very old by me even saying this, but exactly. I know digital, please don't admit that out loud. Did not happen podcasts, none of this existed. I did not have a plan necessarily. So it's one of those things where I was like, I was gonna go on a spring break trip and when I came back I was gonna, try to get a job right, because you graduate from college. And then you go get a job. And then, in the back of my mind I was like, and then someday, you know, I'll have kids and I won't have to work anymore. And that was just literally the only thought in my brain, which. You know, to know me now or even to know me then to like not have a plan and just like be a fly by the seat of my pants person was not, my personality at all. I'm certainly not somebody that is just like, you know, whatever happens to me, happens to me. That's absolutely not me whatsoever. I am, I am like regimented to the, to the point of, of planning to the minute. But again, I just didn't know who I was. I didn't know who or what my, my degree was going to present myself. You know, my dad was a banker and he had at least encouraged me to get a business degree, and, as far as I could tell, he played golf and talked on the phone. I didn't even know what went. That's what all bankers do, right? Yeah, I think it is. I think that's still to this day what, what they do. so I didn't necessarily wanna do that, but, I was good enough at math and I was good enough at, in business school, I guess, obviously. and I got lucky, honestly, and, I a hundred percent say I got lucky. This was none of my own, kind of bearing that that happened and I actually met. Mike Carol, who Mandy and I, know personally for a very long time, hired both of us. at this recap of that spring break trip, one of his sons had actually gone on the spring break trip with me, just outta nowhere handed me his card and said, you know, I don't know. If you have a job yet, or if you're, if you just wanna practice interviewing, and again, this is like end of March, about to graduate in April. Oh, wow. I don't know if you have a job, but if you just wanna interview, you know, come, you know, I work at a trust company. Had no idea what that was as far as I could tell. he was a CPA. I was like, I'm not an accountant. I'm not even sure what he is looking for. I'm not even sure that he knew what he was looking for. went in and interviewed with Mike and two of his partners, Dick and Bond, as you as well know, and they hired me to be the marketing and executive assistant. which just meant you're the only person under the age of 45 at this company. That's the truth. Help. and so, and I didn't know what it meant either. Like literally my first day I am like, what is a trust? and just went from there. And obviously the company was growing, a lot. I mean, during the time that I was there during the time that you were there. But remember this was 2007, and if you remember what happened in the markets in 2008, 2009, how many times did we have to make a cake for that asset level? Asset level that we kept dripping down and going back up. So I was very lucky to go to work for that company in 2007 because if it would've been one year later or two years later, you know, neither of us would've had a job. And especially for me who's really stayed in this industry, my entire life where I am now would've been, I think, completely different. So, working at Heritage again, was the marketing assistant for all of three months, and then I moved over to help in the trust side, which was the core of the business. And for those of you who don't know what a trust company is, it really is just management of money, but it really focuses very strongly around families. Especially this company, it's not necessarily that you're a stockbroker that you see like Wolf of Wall Street, like on the phone all the time. This is very much half psychology, half money management when it comes to the trust business, when it comes to the wealth management business, when you're talking about people's money, because people's money is very, very personal. How they made their money is very, very closely tied to their values, how they want to or not pass on to their next children. How they even approach money and having children that maybe they don't know how to navigate their children having a lot of money and maybe they didn't have a lot of money and wanting to kind of keep a barrier there. I mean, dynamics between siblings. You know? Oh yeah. So there's some of those like eccentric stories that come. Yeah, and we had lottery winners, of course we had some, yeah, we did some really fun lottery winners, which actually have become kind of the. Expert. I'm like, if you win the lottery, do not go claim it in your own name. Call mcfe attacked or another, attorneys and make sure that they set up a trust. I mean, they don't drop the balloons when a corporate trustee claims a big check. But, it's from seeing how much mail and how much absolute sob stories come out of the woodwork. Or old, you know, relative 17th cousin suddenly comes asking you for money. Oh yeah. You know, getting immediately, getting an attorney you can trust. a trust company that you can trust and an accountant that you can trust if you win the lottery is the number one thing I would tell people. Do not claim it publicly. so I worked at the trust company for all of my twenties. The Heritage Trust Company grew to be over a billion dollars. we had probably. 30 or so employees by the time I left and because I'd had, the unique opportunity to start when the company was smaller I was able to kind of move around the different departments and really learn a lot about that business from a lot of different sides, whether or not be trust administration, which is really the relationship piece and also the investment side. Which is the more technical, you know, actual portfolio management, picking the exact investments. So I kind of had all the pieces and, and when Heritage was, was purchased, it was purchased by a company called Argent and great, great company. I kind of had a decision to make whether or not, to either say on with them or, or to go ahead and start my own business. And at that point it was, I was 30 years old. It was really difficult, decision to make. And actually even the CEOO of Argent, Kyle McDonald, he actually said something to me when I left Heritage, I'm sure I've told you this before, but he actually was very, very gracious in my decision to leave and really said, you know, I started Argent when I was 30 years old. And so, oh really? He was kind of like, made that connection to me and I really appreciated just his graciousness in terms of, Understanding what I wanted to do and kind of at least wanting a little bit of a change for a bit and shared that with me. And it stuck with me too, that this is a good company a company that I feel like I grew up with, a company that did a lot for me and now is still giving back to me and is being kind in my leaving, which meant a lot to me in that case. Yeah. I don't think you see that in companies a lot anymore. No. Where they're gracious about encouraging their employees to reach bigger, go higher, do their own thing, and just like wishing them well on that next stage of their journey. Yeah, I think it is. I got, I got very lucky and again, I never really set out to be an entrepreneur But it just kind of all came together at that time. I had been friends with a lot of people that I'd met through the Financial Planning Association. Mm-hmm. And the next gen group of the Financial Planning Association. So this, this was a time in 2015 that. Zoom was just happening, you know? Yeah. And so when I was starting my business, you know, I would kind of have lunch with Mike, you know, every month or so, and, and I would almost tease him that, I started with nothing like$0 under management, but I still felt like I could almost run circles around this huge. You know, company operationally, because it's almost like if you're building it from scratch, you can get all of the new technology. Yes. That all works together and all talks to each other, which honestly did not exist. It certainly didn't exist at Heritage. It doesn't exist at trust companies today because, you know, as technology moves you're kind of like adding on a new tech and then maybe like kind of coming at it from a different standpoint., It's kind of like a bolt on. and especially in larger institutions, changing softwares can be a very difficult process. Oh, it's huge. For the employees, for the clients, I mean for everything. It can be a very disruptive and mentally toiling process. So again, just with the time that left in 2015, that was really the time that Zoom was starting and I started using Zoom. I was actually on the cover of Investment News in, it must have been 2017, maybe 2018, but it was like me on a boat they were writing this article about advisors that work with clients from afar and like, this is me, literally my face on the cover of investment news sitting on a boat I think the headline was, working from anywhere that was never something that anybody did right. Or even talked about. So this was like some groundbreaking thing. Yeah. That again, warranted being on the cover of a major like financial magazine about it, which is just crazy to like, again, look back and think about it. So in 2018, I got an opportunity, through some friends of mine and some connections. I mean, every opportunity I've ever had in my life, and I think this is really, really important, is built through relationships, you know? No job that I've ever gotten has been through, like just sending my resume through the, the portal on the careers link on a website, right? that is never, ever not a single opportunity that I've gotten in my life that has not come. Through a relationship of some kind or through a network or somebody that knew me And so that is really, I mean, I think a stress in terms of success points for entrepreneurs is just be, you know, you around your network and sometimes you can, like, you never know what opportunities, I mean, I had a very big opportunity come to me after I left Heritage through a family friend. That was very much in line with what I do from a professional standpoint. But it wasn't like it came from an attorney or it came from a CPA or kind of all the people that you kind of almost think about as your kind of traditional COIs. And I especially like when I talk to people who have just started out as entrepreneurs or people just starting to understand like what their workday should look like as, as a mm-hmm. Entrepreneur, and you and I have talked about this too, is you, you know, you can be working anytime and you can be working at a play date with your kids. You can be working at the grocery store. I mean, it's just kind of like when you are your own, your own boss, your work and your life become one. Right? Right. They blend. You know, they, they stop becoming like, this is at five o'clock. I stop being professional, Amy, and at five o'clock I start becoming personal. Amy, they're the same person at that point, you know? Yeah. A lot of my friends, of course, I mean, you included, is somebody that I've met through my job, work through my, my professional relationship back to 2018. So 2018, I had an opportunity to move to the Cayman Islands to work on what I thought would be a temporary project, and I still had my business in Oklahoma. I had already been working pretty remotely back and forth, and I was pretty nimble in terms of where I could technically live. Made the decision to go ahead and move to the Cayman Islands for as long as it took. So me and my dog, we loaded up and we moved down to the Cayman Islands to work on this project. And this was 2018. And then COVID happened, of course, and the Cayman Islands was a very, draconian, I'll say in terms of the lockdown provisions. but because of, the project that I was working on had to do with the public pension plan because of the lockdown and especially the tourism industry in the Cayman Islands. The only solution instead of, you know, in the US we got stimulus checks. The only solution for the Cayman Islands was to let people take the money out of their pensions. Oh. And because the project that I'd been working on, you know, was kind of based around these, you know, these pension plans, the, the economics of this project kind of fell apart and also just kind of, because we were on kind of hold from, for COVID, just even the passion for the project kind of. Yeah, fell, fell out too. But in the meantime, again, I, I, through relationships had picked up a few clients and, and again, had the opportunity to say, well, what if I stayed? And what if we expanded the business globally? most RIAs in the, in the US do not touch the United States market because living down here for now, seven and a half years, you really understand that the US kind of plays by its own rules, okay? And the rest of the world plays by its own rules. The Cayman Islands for, for those of you who are under any misconceptions, I'll just clear, clear those up. We're, we're not a tax haven, but we are tax neutral jurisdiction, which people laugh at me when I say when I say that, but what that just means is that people who have global businesses. People that have global families or hedge funds that obviously have investments that come from all over the world can put their headquarters in Cayman Islands. It's just a good place to consolidate global companies because there's not an additional layer of tax. Now to say that the Cayman Islands doesn't have tax would be. Bizarre. I pay way more tax here in different ways. Everything that you bring in onto the island, which is everything, everything that you eat, everything you wear is charged duty. So to me, I'm like, this is actually a place where, the dollars are bigger, competition is lower'cause there's not as many managers here. And again, it's a place where I can leverage my skills, which is relationship building in. the people who, have the direct connections to some of these kind of global business strategies. And my business partner and I just, launched our own private fund in, in 2023, which was, I think one of the, biggest highlights of, of my life was launching. I love that. My own fund. That's cool. So I think that's, I think we're up to today. I love it. I love it. So you said something to me. I didn't go out on my own until several years after you had started. Yeah. And you said something to me that really changed my life and I share with a lot of, entrepreneurs, and I would love to for you to expand on it, but you took me to lunch and you said, Mandy, when you jump, like when you take the leap, the net will appear. And I didn't understand that, like working in the corporate world and working in the safety of like having that steady paycheck, I couldn't fathom that if I were to take a leap and go outta my own, clients would just come. Yeah, that's true. And you said that, and I just want you to know that that has stuck with me and really change my life. So I wanna know from you, what was a moment where you shifted from being employee and really saw yourself as a leader? Yeah. And actually I don't remember saying that, but there's some other advice that I received myself that I remember very well in terms of your own career. somebody, at Heritage once told me that, if this isn't what you wanna do, you need to quit before you can't afford not to. When you and I like people that are now our age, they're stuck because they're very talented at what they do They are making good money because they've now been doing it for 20 years. But they really don't have the option at this point to switch careers because now they've got a house, now they've got a family, now they're kind of used to that paycheck. So it's very, very difficult, I think, at this point in your career, in your life, to kind of drop it all and go away. Now, when I was 30, you know, I lived in Oklahoma. I had, you know, a house in the village, And I also had a roommate and like my mortgage was like something, I mean, ridiculous. It was like$938 a month. I mean, just can we please go back there? Can we go back? Can we go back to this simpler time? Yeah. For my, you know, three bedroom house with a garage in a backyard, I feel like I'm talking about like when I was living in the, in the fifties, right. It felt like doesn't even exist. and so yeah, I had, you know, I owned my own house and I had a relatively, low payment and I had a roommate who was paying$500 a month again for, for part of it. So I really did have, at that point, at being 30 years old, single, owned my own house, had a roommate, I had. You know, financial ability to not make any money for mm-hmm. Mm-hmm. A while. And I mean, I was very, very lucky that some clients joined me right away. So I was never, you know, starving on the street. but that, that I think was, was one of those things. And it's, it's hard for me to say like, well, okay, now I am over 40 years old and I am in this situation. What do I do? And I don't know. I don't know what to tell them. Yeah. But I guess you do. You're the coach, you're the expert on those, those sides. Well, I mean, I think you are right, is that there is this perception that the money is there and they've gotten used to certain, style of, life, right? so they could leap, they absolutely could. But that's gonna mean some sacrifices. And they have to ask themselves, are they willing to make that, you know, it might mean that they do downsize. It might mean that their family goes to one car. I think if you talk about Mike, I think about how he shares, he and his wife went to one car and he would like take a commuter train in and out, you know? so I think that there are sacrifices that can be made if that's a decision you want for your future. And I do find so many people settle because they're just used to their lifestyle and they're not willing to give that up, and that's okay. Right. That's their choice. Yeah, it is. And I mean, I'm a financial planner, right? So I'm almost always planning for more aspirational versus less aspirational. Yeah. But it can't work the other way because finances is, you know, the big one when you, when you talk about, yeah, taking the job, I mean brain and heart, but also wallet is, is all part of that decision. I remember I had, a boss once I left at Heritage where we were, and he had wanted to go out on his own and do some really cool stuff. He had some incredible ideas, but he, would tell me all the time, he's like, maybe we have a pension here. We were one of the last, privately owned companies that still offered a pension for its employees. And we had, 401k matches and all of this stuff. And he was like, I can't give all of that up. And then lo and behold, like two years later, they had a huge restructure and half the people lost their jobs in our department. And so I think that that's where personally you have to have those conversations with your financial planner. You have to have those conversations with your family and decide. Is this a perceived like safety net? Is it an actual safety net? What am I doing to take control of my future? Not letting somebody else, you know, let me be a puppet on strings. Right, exactly. And that's, especially as an entrepreneur, I really think that you have to have a. Some internal fortitude and you really have to stick to what you believe into, you know, heritage had a lot of really strong, I think, values in terms of taking care of clients and, and like not, not feeding them to death, not poking them with, with little fees, which is very rare to, to see it today. And even supporting our nonprofit clients in terms of giving back. And so I took a lot of that that I learned from, the people that I've learned from at Heritage and really brought it into my own business, mm-hmm. I have had so many opportunities and one of them especially is, you know, in the financial services world, there's a lot of selling that you don't necessarily see. And yeah, there's a lot of selling for referrals. There's a lot of selling of different investment. I'm gonna recommend this fund for you because it's suitable, but also, that fund will pay me if I recommend this investment to you. And so that was one of the things that a hundred percent, I mean, and we've kind of worked it the other way, like we will pay. Offered to pay people for referrals in the past, but we've never been willing to be the ones to accept money from anyone but the client. And so that was just like a really big thing that was for me, I was like, we are absolutely never going to get paid from anyone. The client. And so that was just kind of something that you hold onto along with when you're investing money, there's so many emotions, The market goes up, it goes straight down, you know, when it's good, it's good., But when it's bad, it's really bad. like, your brain cannot comprehend what it's gonna do in these scenarios because it's never been there before as a client. And so you're kind of stepping in the middle of your client, like, I want to sell out of this money and free fall because this is my money. This is the money that I worked for all of my life, right? And this is, I don't have, maybe I'm already retired. So it's very, very personal and they wanna sell out. And you're in that position of, and you're scared too, right? I mean, you're also watching those same blinking numbers and really saying like, no, we're not doing that. And you're putting your own career on the line a lot of times to say, absolutely, we are not doing that. And ultimately your client can jump over you and said, yes, you are. But in the rare occurrences that that has happened, they have, come back later. And admitted that was the wrong thing to do because you just don't make good decisions when you're like. In a frenzy or when you're in panic or in fear. Yeah. Right. Yeah. I think that's true of any industry really. especially in investments because it's so personal. as a coach, I talk people through their emotions all the time. I think about even marketing people where we came from, and we're dealing with a brand or even in, the digital world, a technology or a social media post. And you're like talking them through the, do I do this, do I not? What does this mean? Should I, should I not? Right. We all have those fears, and you said something that I think really relates from investments into just entrepreneurship and life, and it's this. Concept of like long term vision, right? You say all the time, we're gonna hold the line because we're not investing for the short term, we're investing for that long term. And I think as entrepreneurs, oftentimes we respond to what's happening in the market, in our industry, right? What's right in front of us versus remembering our long term vision for the business that we wanna build. For the clients that we wanna serve, expect you to like do something that, that like, yeah, you need to be doing something. the pur the thing that you need to do right now is sit on your butt and do nothing. Just turn off, off the team. Do nothing. That is, do nothing. Is is the best way because that's what, doing nothing long's still. Yeah. And doing nothing. Still doing so to do nothing is a decision to do something. That's true. So I wanna ask you a couple of fun questions. Okay. As the leader of your business, when life feels full, what do you do? Like, what rituals or habits do you have to keep yourself grounded and to just like reset when you're overwhelmed? I'm a big reader and I know you are as well, but, I read, not always a book list that I would like what to publish that is, is gonna be something I'm gonna be really proud of that I'm gonna read. But it's one of those things and I use a Kindle'cause I do not wanna be looking at my phone because if I'm reading on my phone or reading on a tablet. Those notifications keep coming in. I turned off all notifications on my phone because I just can't be trusted. I've started, bricking, some of my apps'cause I'll just be on it to even, you know, get a, get authorization code, which I have to have now for every, every software, everything that I log into. And then I'll find myself on Instagram. I'm like, what? What am I doing? And now I've just like. it spread my brain out, so, so reading is a big one for me'cause it helps me relax my brain. It kind of like gives the signal that, that I'm about to, it's time to go to sleep and I, I try to turn off everything by, by nine 30. It doesn't always work, especially this time of year, but that's, that's for me is, is trying to get, and I'm trying to get a full night's sleep. I mean, that's, that's so, so important. if you're not getting enough sleep, then you are not functioning at at at your best. Before I go into my next question, I actually wanna back up to something you said earlier because I did wanna touch on this. You talked about the importance of relationship in businesses. being an investment person, I heard this term and I absolutely loved it. It's like that becomes professional equity. And what advice would you give to somebody who is looking to build those relationships? Yeah, you need to join, as many industry groups as you can. And I mean, even like for, my partner Jess and I like the holiday season, for example, like we made kind of a commitment to ourselves this year that if we were invited to a party we were gonna go. And that became a lot, especially in the Cayman Islands, I mean, everybody throws a holiday, get together, a holiday party or a holiday, holiday something. And so you really need to just start showing up to those, especially the smaller ones where you can even just build relationships with people that are meeting regularly, because in our, especially in our business where it's a very slow sales cycle, you know, they may not have a need for you today. But there has to be kind of a catalyst that happens whether or not there's a death in the family, or maybe you're changing jobs or some, just something that catalysts people's lives To actually pull them out of, their status quo and say, I need to do something. And that's the way that our business works. So you have to kind of be there for people in a lot of situations. Groups that either meet monthly or maybe they have a breakfast, just show up. You know? And you may not know anybody in the room at first, and they may all be old, stodgy men with cuffed pants and loafers and a stain tie on. But eventually they're gonna start to get more comfortable with you.'cause they've seen you every week, right? Yeah. And then they're gonna start asking about you. And that's, that's the other thing is be curious about what other people are doing. Just. Relate as you would a friend or somebody else that you're just trying to get to know? You know, I, I'm not myself an extrovert. I mean, believe it or not, I, I am an introvert. I would rather be on the couch watching Hallmark. than being out at the, industry networking events. But when you're an entrepreneur, you have no choice. this is, part of it is you absolutely must be somebody that is recognizable and seen, especially when you are a small company that you don't have. Let's say a marketing budget or Right. we have really tried to lean into LinkedIn this year, which has been great. And we've been making these stupid little videos as I know that you comment on them, They work in that people when you see out at luncheons or something, they'll say, didn't I just see you? And like, no, you actually just saw, saw me on LinkedIn earlier today. doing video is one of those things that. People can actually get to know you over time. I won't necessarily say that my stupid video persona is the real me. But again, it's just when people see you regularly, whether it be every couple weeks, even once a month, just on video, even if it's just for a little short situation, when people see you, they feel like they can know you. Yeah. And so that's really, I think the power of video is, you know. When I expected, that a client has, has either found me through the website or been recommended to me for somebody else, I'm kind of assuming that they've seen something that we've done or read something that we've written and well, very few people actually write what we write. I mean, compared to like the number of people that will watch our one minute video about nothing compared to the people that will. Read our eight page, you know, Magnum opus about interest rate changes is embarrassing. It's, but go for video because it's free. It really is free. Yeah. And, if, if you can provide something that's entertaining and educational at the same time, that's gonna be your absolute most powerful marketing engine. Especially and in person go to the things. There's lots of things, but especially as a small business or a small company where there may only be you or you and a handful of employees, I think you're right with a small marketing budget. It's free and you become the spokesperson for your business. Right. I think I know a lot of entrepreneurs who don't wanna put their face on camera, which I totally understand. And I respect. But also, you are the face of your business. And to your point, relationships matter and you never know where those relationships are gonna take you in the future. So yeah, if there's not a brand that they feel comfortable with They need something else as a pool. Whether or not that's a personal connection or a referral from somebody that they trust, or literally they've just been watching you for two years Do a video on Instagram that they feel that they now trust you just because there's been some longevity. it works the same way as brand recognition. Right. And that's exactly right. you are your business, so stop trying to say that you and your business are different if you are an entrepreneur. And I think that's something that obviously big brands do well because they have a whole marketing department that positions them in that space. and they have sales teams that go build those relationships. But as entrepreneurs, we have to realize that we wear those same hats and positioning ourselves,, getting in front of the right audiences, building those relationships still matters even though we're a one or two or three person shop. Absolutely. I wanna know who is one female leader that you really admire? Who's the lady with the Spanx? Like, Sarah Blakely. Sarah Blakely. Oh, I love her. But I'm so glad you knew exactly who she was. I would've thought of it, but no, I think she, one, she's put herself out there and she said, you know. this is my brand and she's really leaned into, there's a couple of brands out there that have done really well. I would say that dude wipes are one of those kind of brands. They're just like almost leaned into something that is almost embarrassing to think about But has kind of made it fun and made it kind of a brand. And Sarah Blakely is exactly that thing. It's something that we can all be a big fan of because we know exactly what. Stakes are and why we need them Oh yeah. What of our buddy? and actually this is interesting. Last week Jess and I were at a, women manager conference in New York, you know, very, very uppity, very black suited up kind of event. And there was one person there and she had on, I don't know if you've seen Sarah, if you call her on social media, I'm sure you Yeah. But she's doing these sneaks tennis shoes. Yes. They're basically tennis shoes that are heels. And they're so ugly. I mean. I think they're terrible. But there was a lady there that was wearing them and she was actually dressed pretty brightly colored, which like in the Cayman Islands being brightly colored wouldn't make you stand out. But at this particular comfort, she was wearing like a long, kind of like brighter green kind of flowy dress. And then she was wearing. These shoes and it absolutely made her stand out. One, because I had seen those shoes before affiliated with Sarah Blakely, who I love as a business leader, just like product innovator then she became an ambassador for the stakes because it kind of let people, it's a conversation starter, even though it was kind of strange. Absolutely strange. It was like the reason that we were able to go approach her is to kind of talk about your shoes kind of thing. Yeah. And she told us the different options that there are, the different price points that she has, six others and different colors, and that they're actually really comfortable to walk around in New York, in heels. Oh, wow. for those of them that still walk around in New York in heels, I can't imagine. But you know, if I was in New York in winter. And needed to feel a little bit up in terms of my posture. Yeah, they did look pretty comfortable. I had a workshop last year and somebody had gotten a pair for Christmas and she was literally like taking them off, going, put these on your feet. And I was like, cool, cool. I'll try on your sneaks, but let me tell you, they were phenomenal. So I thought, I don't love the look, but I could get behind the comfort. So she nailed that. Yeah. So, okay. So last question for you. What are you most looking forward to in the coming year? So Dr. Benjamin Hardy and Dan Sullivan, who are, you know, longtime consultants, they're not women, which is their only drawback. they've written a couple books, but the gap in the gain is to me, one of the most influential, impactful books that I have personally read When it, when it comes to, the way that I think about my business, and I mean, just something about me, I, I do not suffer from imposter syndrome. Like, I'll be on a panel and people will ask me like, how do you get over the imposter syndrome? And I'm like, like whatever the opposite of imposter syndrome is, I have it because I'm usually in a room full of men and I don't understand why I'm not the one that is, you know, so I, whatever the opposite is. But you know, when you're running your own business, it is kind of easy to fall in these kind of. Ruts a little bit in terms of trying to look forward. Yeah. And I know you asked me a question in terms of what am I looking forward to, but the gap in the game really kind of changes your mindset a little bit in terms of measuring backwards, right? Yeah. Yeah. So if you're only trying to measure forwards, you know that that goalpost is always moving farther away from you, right? Yeah. Because every time you kind of inch closer to it. That you have a new goal and it's kind of getting farther and farther away. And especially, you know, from a quarter to quarter basis, which is kind of how we evaluate our business, our performance, and, and just because that's the way the markets work. But that book, kind of a couple years ago, I started doing a quarterly and an annual kind of goal setting process. And basically it's like pick five goals. And I do a personal and business together because to me okay, they all, they all reinforce each other. Yeah. And you make a quarterly goal, but you also make a one year goal from that date. Right. So it's not necessarily always January to December because just a January, December goal is just. You know, it falls apart versus, you know, three months from now. You may have a different one year goal. and to me it's like, that's kind of long, long term. So I like that you kind of, every quarter you're making what I would consider a short term goal. And to me, like the short term goals are things that I'm like, these are either something that I've been meaning to do or just need to get done, and I'll put it on there. I'm like, this has gotta, gotta happen. And then this one year goal. At the same time. I don't know, it just helps me kind of keep, keep up on my, my goal setting. Yeah. And I really, really like to think about it that way because you're also, every quarter you're looking back and saying, to me, I'm a check checklist person too. I know you are. In terms of just being able to check it out. And I'm like, okay, now I'm looking at the page before. And I'm like, okay, check, check, check, check. And it really is amazing when you're again looking where you're, instead of always like looking forward to yourself. You're looking back and say, okay, look at me. I did actually accomplish quite a bit. You look back two quarters, three quarters, and it actually, you're making progress and it, yeah, you can see it. It's easier to think about it that way, at least for me. So, would recommend that book, for anyone who's feeling a little bit stuck or, Not able to celebrate themselves or where they've been or where they've come from, or if they're ambitious like me, they're always looking for and wanting to do more. Being able to look back and celebrate, okay, I went from$0 in assets to$250 million. You know, there is some measurement. That's a big deal. Measure some measurement backwards. Right. Yeah. And I think, like you said, you can do that personally too and say, Hey, here were some goals that I had for myself and look at the progress that I made, versus thinking of how far I have left to go.'cause oftentimes that can be, disruptive and disheartening when you're like, still not there yet. So I love the concept of checking in with yourself quarterly. And what I think he talks about really well in that book is that those kind of quarter check-ins. They're moving you toward the goalpost still. Yeah, they are. And you still recognize how much gain you've had on the field. Going back to sports analogies,'cause I know you're a huge football fan. so you're still gaining on the field. Go Sooners. Well, alright, we'll stop there. No, but you, you also can see that you still have a little bit left to go and that's kind of what your next quarter is about. okay, so where can people find you? Where can they follow you? Where do you hang out? I hang out right here at my desk in the Cayman Islands for the most part, especially for winter. I'll be here, in the warmth, but our website is www.redxfinancial.com. we do manage money for anyone in, in the United States, as well as anyone who lives on planet Earth. So, if you are somebody who lives on planet Earth, we probably have something for you. And we actually would just read on our website, which thank you Mandy, for giving us kind of an extra. Set of eyes on our website too, and giving us some feedback. But we are trying to build out so good in terms of just providing some of our favorite books, some of our favorite resources. They're not all up there yet. but it is something that we're trying to get some Things that we refer to easily, things that we think that have led to success in your own personal financial journey. and get that out there, both for adults and especially for kids. Jess has really focused on a book list for kids, to help With financial planning. we were on a plane last week and Jess and I were sitting on the plane and the lady next to us was reading this book I was like, would you mind, telling me what book you're reading she turned it over and it's Like the stock market for kids or something like this. she was telling us all about how she is. trying to understand it and that actually this book for kids does it better than most adult recommended books That's cool. there's some more pictures and diagrams and I was like, I love that. And we, took a picture of the book on it too, so we're gonna put it on the list. our Instagram handle is RX Financial at RX Financial, as well as connecting with me on LinkedIn, Amy Hubble. Amy Howell. Love it. Well, thank you so much for being here today. I always enjoy talking to you and I can't wait to see what you do in the coming 12 months back. Catch you, babe.