How Angie Paid Off $72,000 in Debt Without Cutting the Fun | Budgeting Tips for Busy Couples | 536

That was the default when we were growing up. I don't know when it changed. We're gonna go to your house, have dinner, or I'm gonna cook. We're gonna hang out, we're spending money. Yeah, but now the default is we're going out to eat, or we're going to the bar. We're not going to eat. Wherever they have that happy hour, you're talking about bats where. And bats the default these days, but no, it's not better. You're not having better conversations. You're not having more fun. You're not having better quality time with your friends or your family than if you were just going home. So look, what I'm hearing and what the listeners need to know, you want to go to Bali, then have your friends over for game night. Like how, like you just said, women. Yes, just happen to come over. And everybody loves it too, because they get to come over and hang out and we'll provide the food that we've gone grocery shopping for that's their favorite. All the favorite is things. All the favorites. So yeah, it's just so much better. Do you make good money, but have nothing to show for it? Are you tired of living paycheck to paycheck? Do you have big dreams for your financial future? Do you want to get debt free, but you don't want to live on beans and rice? When you don't want to give up this pumpkin spice latte? Hey, it's okay if you don't already know how to budget or if you're using credit cards to get through the month. Hey, it's okay if you want to seem like you have your finances all together or you're not on the same page with your spouse when it comes to finances. We know what you're doing probably isn't working, but guess what? You're in for right places. We're Shayna and Vanessa. We're best friends, business partners and master financial coaches trained by Dave Ramsey. We've been in business since 2019, helping hundreds of amazing people like you create budgets, get out of debt, stop living paycheck to paycheck and know exactly what to do with their money. In this podcast, we'll share with you everything we know plus everything we're working on with our clients so that you have the best chance at reaching your financial goals. We want to help you take the guesswork out of your budget, improve your marriages and even bring your kids in on a conversation. We can help you no matter where you're at, whether you're the single mom who's never had $500 in their savings account or the millionaire who's paid off four real estate loans. And we're not gonna shy away from the tough love. We'll tell you what you need to hear and encourage you at the same time. This is the Financial Coaching for Women podcast. Hey Angie, we're so excited to have you on and spend a long time coming girl. Yes. Yes, so welcome officially to the Financial Coaching for Women podcast. We've been friends for a long time. So why don't you start by telling us a little bit about yourself just to get us going? My name is Angie and I live part-time in Minnesota and part-time in Florida with my husband. And I came to you guys because I was looking for ways to sharpen my financial skills. And I started looking at podcasts and then I came across to you and I basically devoured you. I listened to every single podcast, every time I was doing anything other than working, I was listening. And I just loved the practical, what do I do with my hands? What's that? I feel like you're walking me through step-by-step of what we needed to do. Yeah, especially for you, because you have a lot. The reason that you were looking for help is you've got a lot going on. Not only do you live two places, but you have a business and your personal finances. And that's a lot. Yes, you had a lot going on. So I think when you just have personal finances, it's enough, right? And then you also have a business trying to get that organized and making it profitable and making sure that it flows into your personal finances properly. And I think that's a missed opportunity. I think a lot of people forget how important it is to have your business finances organized and set up correctly, so that way you can feel prepared on the personal side. Yeah, absolutely. I agree with you. And I think our business part was a mess. We had a bookkeeper who was older and doing things in a very old-school way. So it was messing up our personal finances. So now we're working on the business side as well. Yeah, so you, like you said, you were super sweet. I remember the first time we chatted, and I was like, let's get a new bookkeeper. And you're like, no, no, we can't do that. Can't do that. And so she, I guess, retired. But in the meantime, while you were waiting for that, gracious exit, you were working on your personal stuff. So what did you start working on? What started working and clicking right off the bat? I started separating everything, and that made so much sense to me. I hate looking at so many things. And once I simplified it and separated our bill's account from our personal spending, it made so much sense. And we were able to track it a lot better and understand, oh, this is what we have to spend. Not all this other great money on this other side. Those are for bills. And it made it easy for my husband to understand too. Oh, I love that. Okay, so my question was gonna be, what doubts or concerns did you have about separating it? Because we do hear some, a little bit of pushback at the beginning when people don't really understand how it's gonna benefit them. So can you talk to us through like you processing all that with your husband when y'all made the decision to separate? Yeah, so it's worth. You mean separate your finances? Yes, we're still together. Yes. So I first started it like doing it myself to make sure that I understood it and had a better grasp for it. And then when I was only seeing like maybe 15 transactions, just in that one account, I was like, oh, I'm not 50. It made so much sense. So for him, I handle all of our finances. He just has his spending account. And then when he wants to know what's going on, I just bring up my one page sheet. And I say, here's what's going on. Here's what we cost for the month. And then he's, oh, okay. And then he's good. So his job has just been to stick with the spending limit. You probably had to change the card he was using, but that was about it then. It sounds like. I did. Yeah, I did. And that was it. I was like, oh, don't use this anymore. Here's your review. Say we're just gonna swap those out. Hold on, let's say it again for the repeated. Ladies in the back. Or whatever, because you're, that was probably painless for you, but for our clients sometimes, Angie, it's a little bit, no, really you have to take it out of the wallet. Do it as sweetly and graciously as you can, but nobody can have the bills card in their wallet. It's really important. Yeah. And the other thing that I wanted to double down on what you said is 15 transactions. Like knowing that you're logging in your bills, I can see everything that I was supposed to pay got paid. And I'm done. I'm in and out in a second because there's only 15, not a hundred transactions. And yeah, so tell us a little bit more about that. How that, like how that simplification, like you said, made you feel. Oh, here's the thing. Within the system I love looking at our, everything that we owe, actually pay bills. Like the bills get paid a little bit early because I know that everything's there. So it's automatically funding itself through and does its thing. So I just know I have to just take a glance, make sure everything's good. And as they're paying themselves, I check them off and then it's done. So 15 items. I am super busy between the business and we have four kids and everything else. So it just takes me literally like five minutes, just a glance and make sure everything's good. Tell us how this compares to what was happening before. You bought our system. Such a mess. So many things going through the system, going through like our account that I just couldn't keep up with. And then my husband would be like, oh yeah, I bought this. Oh yeah. Oh, how'd you buy that? Yeah, tell me more. Yeah. Oh yeah, I just charged it. I'm like, wait, we're not charging. And another thing, we don't use any credit cards anymore. I'm so happy. No credit cards. Christmas, no credit card. So amazing. Except for the two that were like paying off, the interest from the moment last year when I started talking and understanding the system, I was like, that's it, no more cards. Oh, that's so good. That's so good. So you fall into the category of people that were making too much money to rely on credit cards, but it was just like unorganized. Like your husband's, I'm getting this. I don't know where I'm getting it, but I'll swipe it and she'll figure it out later. And so now you're pre-deciding all of that, which makes it so much less stressful. I have categories for all of this. I know we can afford it and I don't have to rely on debt. 100%. Yeah, that's so good. What do you think your biggest breakthrough was when you transitioned to having and using our budget system compared to what you were doing before? I would probably say we have paid off. As of today, we've paid off $72,000. That's amazing. Which is, that's crazy, right? And I think before, I think that would have just gone away. I think just slowly it would have leaked out somewhere else, but because it's just so intentional, what we're doing with our money, I know that's what we wanna do. And it just becomes the habit of what you're doing. So do you think you're having to live on that scorched earth mentality while going through this? Or do you truly believe in and are living our Bujiana budget concept while doing all this? We're definitely able to do the things that we wanna do. We bought a new car this year for cash, which was amazing. So we've been able to do the things that, it helps us prioritize what's important to us. And then the things that aren't very important will cut, but everything else that we need to do that we really wanna do, we do. Yeah. And I wanna again, double down on that because you told us that what you've realized is it's not really about how much money you make because you were making good money, you still are making good money. Like that has not really changed. Maybe it fluctuates some ways. It's about the habits. And for you, it's not that you weren't involved. You were looking at the bank account like, how did you buy that husband of mine? You were involved, but you just didn't have an organization system to make it make sense, to make it all work, even though you were looking at it and trying to make sense of it. And so I think that's where we're saying like, we're trying to solve that problem. It feels like everybody has this expectation that you should be doing good with money. You should be organized. You should know how to budget. And it should be obvious, but it's not. And I think that's maybe the solution that we gave you, this time. Yeah, I think you helped me get really organized and realize that when I'm intentional with it, and you're right, it doesn't matter how much money, because I've made a ton of money. It doesn't matter how much money you're making, it's really the habit. So once you have a system and a habit, you can make a little bit of money and still be able to make this work or make a lot of money and still be able to make it work. Or opposite, either one of those and nothing works because you're not being intentional. I also think you can be like almost obsessive, compulsive about your numbers and money and not realizing that you're spending all this time looking at numbers in a way that doesn't help you. So like we have a lot of people that, I remember I had a client who said, my husband literally stares at the budget, this was before she had our system, looks at our numbers like for three hours a night and he was so obsessed and frustrated with how to figure out how everything works. Because he couldn't see it all on one page. And so once we came out, we showed him our budget system, being able to go in like you said for five minutes because it's organized, that is the game changer. And it just removes that amount of stress that maybe you were like, okay, you were looking at numbers before, what were you looking at? Did you know how to analyze what you were looking at? Did you know how to organize what you were looking at before? Whereas now everything is in its own account, you have your system, you have your check boxes and you're in there like you said for five minutes, you're intentional. Yeah, and I love going in there. So I'm the nerd obviously, it's just so pretty. And then I can get through and just, it helps me to see like what we've done and where we wanna go. So then my husband's, oh, I don't, what are we doing? Here's this. I'm like, oh look, we've paid down $72,000 in almost a year and he's like, we did. And even last night he just said, where's our money going? I was like, let me show you. I still have my beautiful budget system. Yeah, it's funny that you said that you're the nerd because Dave Ramsey says that you either have a nerd or a free spirit, which is fine. I think some people have a lot of nerds and some people have two free spirits and it's really a hard, it's hard for their life. But what I found and what's funny about what you said is, we have people that, you're either that I'll let the automation do its thing or I'm gonna go in and pay all the bills right away. Right away, cause it feels really good. I know the money's there. I'm gonna check all these boxes, done. So it sounds like there's two camps and you're that one, that's you. Yes, she just wants to get them done and over with. And you have to get them all in time. We have it, it's the air, we're a host. We have a lot of clients like that. We love it, yes, it's great. All right, budget besties, it's time for surreal talk. You don't need another budget, you need a budget system. Our simplified budget system is what you've been looking for. It's gonna allow you to be bougie on a budget. You'll be able to easily set up a system that runs automatically and shows you exactly where your money is going. And it's gonna give you permission to spend, everybody loves that. Yeah, it's straightforward, pretty and packed with walkthrough videos that break down the exact methods we use with our clients to get out of debt, set up a bills account, separate spending, bill savings buckets and end the paycheck to paycheck feel. If you're new to budgeting, this is the perfect way to jump in. And if you're already a budget nerd like us, you're about to meet your new obsession. This is the upgrade to your finances that you need right now. Yeah, so head on over to budgetbesties.com forward slash budget and grab yours. Now back to today's show. Talk about being a month ahead. Tell us a little bit about that. It feels so good, it's so happy, it's so happy. Are you a month ahead in personal or business? In personal. So our bookkeeper's gonna leave at the end of this month. So I just opened the new account, I'm in a holding pattern until she actually leaves, but I'm ready. But in your personal finances, tell us when you realized that you could get them on the head with that meant, how you did it and then how it's feeling now. Yeah, so he had an extra paycheck and we used that and we used to tax refund and just put it all in there. And that way we always know we have our money. Because I liked first I was like, I'll have a buffer, but then I said, oh, we should be a full month. And we ended up doing it that way, which helps a lot. Yeah, just to keep the peace of mind. Zero, you cannot be stressed if that's happening for you. I think that's very smart. We have a lot of people that have their tax returns coming in or even bonuses commissions. And the first thought, they go back to their previous selves. What did I used to do with this money? What can I do with this money? What are the things that I can buy with this money? And I think that the most grown up thing you can do is take it and make yourself a paycheck ahead or a month ahead depending on how much it is and set the stage now for how, think of what that's gonna do for your finances to know that at the beginning of the month you are completely set for the whole month. You don't need another dime to be able to fund you for the rest of this month. And I think it's hard sometimes to get to that place mentally, but when you can get there and you're ready to make that step, you will never wanna go back. You will never wanna go back to being in the moment needing the money. And that's why you're like, obviously, we try to get you a paycheck ahead because that's that one step down, but you're just on superhero mode on a month ahead. I love it. Yeah, that's what we tell our clients when we're doing the same thing. It's everything's already good. All you're doing is refunding it with these paychecks. Everything's paid, but you're refunding it. And again, like you said, no stress at all. I have more money in there than I need and I'm good. And everything is just refunding and refilling. And I think that the peace of mind with that is really great. The other thing I wanted to talk about is you separating the accounts. Cause you said that was really the sort of something that made it more simple. So which accounts did you open? Do you find that having those accounts separated? What we do differently is we have spending categories, which you obviously know, but I'm saying that for our listeners. Like we have spending categories, gas and groceries, your spending, his spending, maybe kids, whatever, restaurants, and that is totally different than any other budget that we've ever seen. We've never seen that the way that we want it to be categorized instead of spending money total. And then you get dinged as you get it taken down or whatever we don't even know what other people do. But so tell us how that's working. Obviously for your husband, it's helping. Cause now he knows how much he has to spend. But yeah. Yeah. Yeah. So we have our bills account. We have a, we, I pay groceries and cash. But then that way I know exactly to the penny, what we have. And then we have a gas account and then two spending accounts. And that works perfectly. It works perfectly for us. So it gives us both the flexibility, but also being that full month ahead in that bills account is a game changer for us. Oh, sure. Yeah. Do you say you have kids? We have four adult children. Adult kids. Okay. So do you have like a mom want to splurge on the adult kids fund? That comes out of spending. Oh, okay. If we want to do something like we have a family fund. So that would either be family fund or, or personal, but we do stuff. We have stuff that's set up with them that we already do. And I have a savings bucket for that too. Yeah. So. As you should. Yeah. Or at them. Yeah. There's four of us. Yeah. One of them is always going to be something's happening. Yeah. I love that you mentioned the grossest thing cash. So we went away from cash envelopes because people asked for it. People don't want to use cash anymore, but it never fails. Cash never fails to make you spend less and it holds you accountable. It's a built in accountability partner. We just had somebody either Facebook or a message us saying they were reducing cash and they didn't want to spend it. I was like, yeah, that's the point. It's amazing that way. Oh yeah. That's us 100%. I have to spend like more. I'm like at the grocery store. Okay. We have $100 that we're going to spend this week. This is what we're going to do. We're going to gamify it. Yeah. I think it's not necessarily about being restrictive in that moment. It's about holding yourself accountable to reaching your goals. So I think people can take that in two different ways. Like if I want to spend more than I'm going to spend more, sure, but what are you accomplishing the goals that you set out to achieve? And I think bringing that $100 in cash to the store is crystal clear. You ain't spending $101, right? You're spending a hundred because you know what you have in store for you and your family in the future. And you want to make sure that you can accomplish those. So by staying to these standards that you put in place in your budget, it allows you to do that. I remember my husband, I think I was like last week, my son, he's my, we need a couple things for the money rolled over. And I said, you got 40 bucks in the grocery account. Here's my card. Have a blast. Because it was replenishing the next day, but it was like seven o'clock at night and him and his sister wanted a couple things. But I'm like, that's all you get. Like you're not getting anymore because everyone's fine. Like we're going to be fine. Yes. And that's a funny that you said that because last night, I forget. So as we transitioned to Florida, we ran to the grocery store. I forgot to pick up sliced cheese, but we had shredded cheese. Dave, I'm going to run to the store and get some. I'm like, no, you're not. We have cheese, sir. We're not. Because it's November 30th and my grocery budget doesn't start over till tomorrow. So I'll make you a hot sandwich with some shredded cheese and you'll be just fine. The baby's going to melt right away. Yeah. It's hot. So I love you. And it was cool. That's what we did. Yeah. And I do love that. And I'll just go back to what you said in the beginning as being intentional into Vanessa's point. It's not restrictive. I bought this food. We're going to use it because I paid for it. And like, I know for all of us, I bet if you had a pet peeve that was top 10, it would be throwing away food that you would do. Oh my gosh. Oh my gosh. Yes. And so what you're doing is not being restrictive. It's like, we're being intentional with our money. You don't get to pay off $72,000 in debt in a year without being intentional. Yeah. Yeah. So it's like a whole car. I know. I just want our listeners to think about that. $72,000 in a year, right? Is that right in a year? Yeah. It's been less than a year because I started on my birthday, which is December 30th. OK. Yep. So in less than a year. Happy birthday to you. Yeah. Think about, and you, and to your own words, you said we would have spent that. That would have been just out on a door. On junk. Bites trees. Junk. And I think people don't realize how often we do that. We just spend frivolously on things that we don't need, or we end up throwing away in a month, or whatever, when you could have been paying off $72,000. But I just think that I want to commend you. That is huge. But what an accomplishment for you guys. Yeah. Thank you so much. And I think too, you have to have a balance, right? There's one we grocery shop. I buy the most favoriteest things of his. Yeah. I like top of the line meat. All those things, we buy all those things, but we don't eat out. So it's a balance, right? Yeah. To decide what you want to do and how you want to do it. Yeah. What's your vision? I was hilarious. Yeah. I was just going to ask you that, because you, one of your money saving tips, obviously, is to pay cash in groceries, which is a new concept, because a lot of people have given up for forsaken cash. But then you said, just to hone in on a little bit more, that you guys went on a road trip, and you just packed your favorite sandwiches. And then you just also, again, said favorite, his favoriteest things. And I think that Vanessa and I have talked about this a lot. First of all, what you're going to get out eating out is not going to taste that great. Let's be honest. Maybe when you were younger, but now these days, we're all very picky with what we like. But if you can just stock your home with everybody's favorite things, it's going to be so much cheaper, and you're going to be eating better and saving money. Yes. Yeah. And I just love how you're honoring him and that. This is your version of Boushee, right? This is Angie's Boushee budget lifestyle. I've been bored for five months, so I think that's pretty bougie. Yes. You're traveling, and yes, I think that that's wonderful. And you're paying off debt. You're adding the fun things, the expensive things into your budget, and you're able to do both. Yeah. So I think the tip is, buy your favorite grocery. Don't use it. It's not like you're restrictive. What you're saying, what I heard you say is, we're going all out when I go to the grocery store, but then we're going to stick to what I bought at the store. Sir, thank you. Yes. OK. I think that's a really good tip. Yeah. OK. And then the other thing that you said, which I think is another fun tip, and again, way better than the alternative, in my opinion, you said we don't spend money on going out with friends, because you guys are not big going out to eaters, but you have them over and do game nights or something like that. So tell us a little bit about that and why it's better. Yeah. It's one, the food is better, because we're going to probably have something here. And two, then our friends will ask, oh, so you guys are going out to eat? What's going on? Then I'll say, oh, this is what we're doing instead. We're going to Bali for our 10-year anniversary, and we're saving for this. Wait. My drop. OK. Are you taking me? Yes. I'm going for my 40th. See? I know. Right? Oh, it's all about having what your priorities are. And so then our friends are like, oh, because my friend, who's here, she's, oh, let's go out. It's for happy hour. I was like, oh, I'm not eating out right now. I was like, but I would love to get together. So let's do a walk or go kayaking or do something else that we can do. And she was like, yes. I just love how you were like, no. You're unapologetically saying no, but in a loving, kind, respectful way that's still inviting them to do something else. Yes. Because I want to spend time with them. But we don't have to spend money, because we are being intentional in our house with what we're spending our money on. I hope you're a trendsetter, because I think it's not only intentional with your money, but intentional with your time. The default, think about this. That was the default when we were growing up. I don't know when it changed. We're going to go to your house, have dinner, or I'm going to We're going to hang out. We're spending money. Yeah. But now the default is we're going out to eat, or we're going to the bar. We're not going to. Wherever they have that happy hour you're talking about, that's where. And that's the default these days. But no, it's not better. You're not having better conversations. You're not having more fun. You're not having better quality time with your friends or your family than if you were just going home. Look, what I'm hearing and what the listeners need to know, you want to go to Bali, then have your friends over for game night. Like how, like you just said, women. Yes, just have them come over. And everybody loves it too, because they get to come over and hang out and we'll provide the food that we've gone grocery shopping for. That's their favorite. All the favorite is things. All the favorites. So yeah, it's just so much better. I love that. When Shane and I hung out when our kids were younger when we had no money, we did all the free things. We were like, let's go to the free movie that they're offering. Let's go to the beach, because that's free. Let's go to the park, because that's free. Yes. It was just a way to be able to spend time with each other without feeling like you had to spend money doing it. And I just love what you're doing. You're inviting your friends for walks or inviting them over for coffee that you already have at the house and different things like that. So I think that's lovely. I think you've done an amazing job. With all of this, you have really turned your household around and just set new standards, a new way of life. And I think that is what this is all about. It's not necessarily trying to restrict you or change you or budget diet or money diet or whatever. It is, this is our new way. This is how we do things. This is how we accomplish what we want to accomplish in life and pay off $72,000 in debt. And hold on, let's go. Angie, you gave us a lot more milestones. I don't know if you remember, but I'm looking at them. And I'm like, wow. So the $72,000 in debt, you already mentioned about the car that you bought in cash. You want to elaborate a little bit about that? Yes. So we bought a Jeep for our Florida house. OK. In cash. That we drove from Minnesota to Florida. That was a bumpy ride. OK. Highway, Jeeps are super good for the highway, but you paid for that in cash. You were also able to be more generous with your church. Like this is all within the last year, since your last birthday. What a birthday present. But talk to me about that. Yeah, so our church is doing a lot of things with different countries and ministries. And so we were able to pray about it and see. And we were able to give $5,000 towards these different ministries. Yeah. So we're super happy. And we feel like this is part of what God wants us to do, is to be generous, right? To be good stewards of our money and be intentional with it and then be able to give it. Yeah. Like let's just repeat that. Put that in bold, italic letters, which is this is not all about us going to Bali, which is also about us going to Bali. OK. But what else? What is the reason for all of this? And it's good stewardship. Yeah. Yeah. You aren't going to have as much fun with your money than when you give it. So like when you're, yes, you're going to enjoy Bali. But like when you can give, that feels the best. And whether that's your money or your time, but again, you need money to be able to give your time. It all ties back into finances some way, shape, or form. But when you're able to do that, it is such a wonderful feeling. And it's the most fun. Yeah. Yeah. That was the best. Yeah. Yeah. And then you guys are obviously, you said you're funding a trip to India as well. Yes, Dave's going to India for a mission trip. I love that. Oh, look at all this stuff that's possible. And again, it was just like with a lot of our listeners, it's not that you weren't making the money to do it. It's just do I know that I can make these commitments in good faith, feel really good about it, feel confident about it. And now you do. And you are doing it. That's really awesome. Well, it's like where was your money being allocated before? Versus where are you allocating it now? And like you said, you're being very intentional. And you're able to do so much more with it because now you know what's going on. Yeah. Yeah. And another thing that you mentioned, I wanted to, I think it could really help our listeners. Angie, as you mentioned how you're learning to talk to your non-nerd about budgeting and money and all of that. So can you tell us what you've learned, what you're doing, and what's working? So I have to remember, because I'm the nerd, my mind is very numbers oriented. In my head, it's like chattering. And so what happens is I'll start to chatter to him, and that overwhelms him. So I have to be just a lot more just direct in what I need him to know and not give him all the subtitles that are going on back in the background, right? I just need to give him the one piece that he needs to know for instead of me being like, oh, we could do this with this. And we could do that. No, I can't do that. Too many options. Yeah. Too many options that overwhelms him. He's, what are you talking about? I'm like, oh, yeah. He goes, wait, you said you were going to do this before. I'm like, no, I was just talking. And then I was like, oh, no, I can't do that. So I don't do that anymore. We tend to just run through scenarios out loud sometimes. And then we're excited. Right. I know. He's not excited. But I think once we come down to whatever the final five is or whatever, then we can present the information fully and decide together as a team. But yes, I think that sometimes when you're working with a nerd, and it can be hard. But I love how you're figuring that out. And so that way it's successful for the both of you. And it's obviously working because you guys have been able to accomplish so much this way. Yeah. So I've learned that. And I've also learned when he really wants to do something, we have to sit down and figure out how we can do it. Because he's working so hard and trusting me to be a good steward of what we're bringing in. And unless it's something. And he's been great about compromising. He's like, oh, I wanted to do Christmas cards this year. And I'm like, oh, how about? We not really do Christmas cards this year? Digital Christmas cards. Right? I know. So he has been good about letting some things go. But then I knew he really wanted to go to India. I was like, hey, we'll take the money we're going to spend on the cards and we'll fund it towards your India. Just working together as a team and just making sure that he has and I'm listening to what he's saying that he really wants to do. Because sometimes I'll be like, oh, I heard that. And then not really hear it. Yeah. I think that's really very important. Honoring. Yeah. And honoring both of you. Both of you have goals and it's really easy to steamroll and just be like laser focused on what already. But what's the point of all of this? And we can't do some of these things that pop up that we're excited about that maybe God has put on our heart, all of that kind of stuff. So I think that's wonderful. Yeah. Angie, thank you so much for coming on. Listeners, if you want to check out the amazing budget system that Angie's been talking about, go to budgetbestsees.com forward slash budget. But we appreciate you coming on and just telling us your journey for the past year and giving us all of your wins and just talking us through what you all have just gone through, ups and downs, and accomplished, and everything. And so we appreciate your time. Yeah. Thank you so much. If you're tired of feeling like your finances are all over the place and you're ready for a simple, set it and forget it, weight a budget, we have something special for you. Watch our Automate Your Budget Masterclass at budgetbestsees.com forward slash automate. We'll show you step by step how to finally organize your money, put a set of your accounts, and put your budget on autopilot. So your bills, savings, and spending run like clockwork. Imagine less stress, more savings, and the freedom to spend money without having to track every dollar or babysit your bank account. Go to budgetbestsees.com forward slash automate to start today.