How to Lower Debt Payments, Stick to Your Budget, and Stop Living Paycheck to Paycheck with Coach Michelle | 547

All right, Michelle is back from office hours to talk about some wins, to talk about milestones, and to just go through some of the questions that we're getting in their weekly. Well, I just did a little dance, Michelle, to welcome you back because we love you. We just talked about you on another podcast because here's the thing. This woman said that she feels so alone, even though she's married, doing her finances. And we said, hey, we have the best human in the whole wide world that does weekly office hours and she can be there with you. She will be helpful. She will support you. She'll be in it with you. And that's Michelle. And here she is. Thank you. And you know what? That office hours group, the very best we were talking about today, that it's half strategy, half therapy, really. Because that's all the strategy that people are learning to how to organize everything and how to accomplish all those goals and get everything all straightened out and set it up and automate it. But then there's the therapy of when can I spend that money that I've been saving up for so long? We talked about that today and that it's okay. And sometimes people just need to hear other people say, it's okay. It's good. This is what you're meant to do. Yeah. I think that permission of, they have the cash, they're not really sure, is it okay? Have they looked at all the numbers and just making sure that purchase or whatever they're going to spend the money on, like you said, is okay to do it because you've done the work to say that it's okay. Right. Right. And they just need that validation. And you know what? Nothing is better than having a group of people that are like-minded, that are on the same journey, that are learning the system as you are, that you've got a few people that are ahead of you in some steps that can help mentor you. It's a really nice group. So I'm glad. It is. Okay. Well, let's talk about them. Let's talk about this group. That's the nice group behind their back. No, I'm just kidding. That's right. We're going to talk about all their wins, right? We're going to talk about their wins. 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 for the guess what. You're in for bright places. We're Shayna and Vanessa. We're best friends, business partners and master financial coaches trained by Dave Francie. 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 the 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 for real estate money. And we're not going to 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. So we had a fun friend that hit the nail on the head with a birthday budget. Yes? Oh my gosh. She could not have been closer. Yeah. Seriously, she budgeted for her daughter's birthday and she was so excited to come back and tell us all about it because she budgeted right at $200 and she just hit it. And she was, I think, more surprised at herself that she didn't go over than anything and she just wanted to share. And it's a beautiful moment because those are hard things, right? What was birthday budgets because- To get influenced, to spend more. Right? You see things you're like, that reminds me of my kid and that reminds me of my kid and they need this so they want this or whatever. So it was really cool that she could dial in, be realistic and then hit her number and then she shared it with us. It was awesome. So she came in like $1.95 under, I think is what you wrote here. And I think that that's awesome because, listen, this may be the first time. Ever that she's budgeted an amount of money, first of all, to just spend on her kid for their birthday. And then not only did she budget it, but she also stayed within it and said, maybe no to like you said all the temptation around it because it's our kid's birthday and sometimes we can go overboard and we want to splurge. But it's not, they don't need anything extra, right? The kids, and it's fine to stay within that certain amount of money that you budgeted for it. So I'm really happy that she was able to achieve that. It was really cool. Well, I think that we might surprise ourselves with what we're capable of, right? Maybe this is the first time you've thought about sticking to a specific budget for a specific reason, which means probably all of her other money was going to different goals and different things that she wanted. And if I do this $200, I get to do all of that and I get to do this and I'm not putting it on a credit card. Like you're actually, yeah, you might be capable of more than you think if you just start looking at your numbers, paying attention and being intentional. Absolutely. So we had another friend who funded an entire trip to Disney without credit cards. Can we just get an amen? I mean, what a rock star. Seriously, it is just crazy that you can do that these days because it's so expensive. But it was very intentional. She saved up ahead of time. She knew she was going. She had it in her planner, right? She knew she was going. She was saving up. And she said that it was just a fantastic feeling coming home after, not just because she just had fun. She had a great time with her family, right? She had a fantastic time. But the coming home and not having that weight on her shoulders of, oh no, now I'm going to have to pay for what we did before. Yeah. Right? So that was awesome. That was really cool. I don't know if our listeners know that my first fun trip, whatever, my first delving into all of this was paying for a Disney vacation with cash. And we slowly paid for it. One month we paid for the tickets. The next month we paid for the hotel. The next month we paid for whatever. And then we just set aside so much money that we knew we were just going to throw in the trash can basically by being there. Sorry, love you all Disney people. And so that was our first foray into, well, it was our first trip. We had never put it. We had credit cards, but we would have otherwise, right? But on the way there, we listened to Dave Ramsey. And on the way back, we listened to Dave Ramsey. My husband still listens to Dave Ramsey and he came back to sell his car. We got debt free and it was all done. But what I want to say is when you go to Disney and you spend $15 on Kraft, Mac and cheese that you know cost them 13 cents to make, but you spent 15 and that's all that your three year old is going to eat. You know, you feel a lot better when you've already saved the money and you already have written that money off, right? Like I said, you're already planning to spend it versus you on a credit card. Now I'm paying interest on this back and cheese and like you just like your anger level just to sell that level. And so yeah, so I know exactly what that's like, but also we're really happy for her because you can truly enjoy yourself when you're paying for it in cash. Yeah. And I know she slept really good at night knowing that she didn't have that to do. Right. Well, I think it's a it's a different vacation. Like just even while you're there, it's a completely different experience when you're there knowing that you have the cash, you've saved it up, you become your own bank and you're funding this because you purposely and intentionally put money aside for it, right? Versus swiping a card while you're there, white knuckling it and you're stressed out like Shannon said, because you're going to be paying for $15 Mac and cheese for six months afterwards. Right. Right. Right. And then, you know, all this, the stress that it is on your family as well, because you know, if, if money is a strain and, and you're there and you have to feed the kids and it's costing that much money, you know, that it's, it's just stressful and you're hoping that they're not really hungry that day. Right. Yeah. Yeah. And anyway, I think that the budget, like you said, the planner really helps you figure this out. So what you would do here, guys, if you're, if you want to do something similar, is go in there, you don't have to get anything perfect. You want to have ballpark this as best you can and say, okay, tickets, air transportation, which may be airfare, maybe gas, lodging, what we're going to spend on money while we're there. It burns. All of that. Just get a ballpark and then start setting it aside each month. That's, that's how she was able to do it. You know, maybe you get a commission and you put a big chunk toward it. Maybe you set aside $300 a month before you go. And then voila, you have all of this money ready to go when it's time and you can just go and enjoy yourself. Those for all vacations, right? Yeah. Most of those we're going to know ahead of time anyway. Yeah. Right. You're going to have to take time off from work or you're going to have to take the kids out of school if it's during school, you know, or whatever it is. So you're going to have to have it on your calendar. So you will usually have time ahead of a vacation to be able to. At least minimum, I think a month that people know ahead of time for something like this. Okay. So our next contestant from office hours, she said that she avoided depleting her accounts for the month. Can you kind of speak to that, Michelle, when she was there, which was explaining that? Well, you know, she just was struggling for a few months, right? This guy, I love her. She is, she is fantastic and she's working very hard to get control, right? And get organized. And she just did such a good job because these accounts she was struggling with were just the stuff like groceries, right? Just your normal slump, your groceries or gas. And so because she was not being realistic with her numbers, she was depleting them. And so then once she started being more realistic and once she started really saying, this is what it costs for our family, then the numbers weren't changing the way they had previously. And she still had money left in those accounts. And it was a relief to her. I think she'd been struggling with that for a while because a lot of folks want to dial down some of these expenses. We all do. We all really kind of want to be frugal, but sometimes it's not realistic. Right. Certainly not for groceries. Certainly not today. And it's like you're setting yourself up for failure and you're just not being nice person to yourself. Like you can't. Those groceries are expensive friends. So this is not the time like, and to anybody listening, we would say, go over a little bit. If you did an audit and you said, okay, I think I spent $1,500, put yourself $1,700 on that budget girl if you can, you know, and most of you can. And then like this one friend, you will be able to experience victory. I'm just feeling like a failure every month. And you're like, look at me. I have money left over. I'm so good at budgeting. A lot of people will come to us asking us, Hey, how much should I put my grocery account? And we're like, we don't know. It depends on where you live. How many kids you have. What are you guys eating? I mean, there's a lot of questions that go into play here. And so like Shayna said, but the biggest thing is, is you don't want to set yourself up for failure. Why are we putting these small amount of money for gas and groceries and eating out or whatever kids, whatever you spend money on throughout the month. If it's not realistic, you're going to automatically feel like a failure. You're automatically going to say, I can't do this. You're going to think you can't budget. You're going to say budgeting isn't for me. You're going to put all this shame on yourself and then walk away and then continue to do what you're doing, which obviously isn't working and continue to rack up debt. So it's like a whole cycle. So, or you can do one small thing and put realistic numbers into your spending section of your budget and feel good when you don't go over or when you come under. Yeah. And I'm just really impressed because it took a while to get there. Right. Yeah. And she, you know, and she spoke some words about that that really hit home for some other people. Yeah. And that's what's very important about that group. Well, I, I don't know what words she spoke and I'm really thankful that she did. I remember telling my client earlier, I guess, gosh, it was last year. I was like, girl, you cannot spend a thousand dollars on grocery when you have four kids, like stop it. Unrealistic. And like she needed me to tell her that. So listeners here, that is not enough. It's not enough. It's not enough. And Vanessa said, we can't tell you, I can tell you it's not enough. When you have four mouths to feed and a husband, like the husband might be a thousand dollars all by himself. That's what I love them. Anyway, my son, my teenage son is probably $1 all by himself. So we're giving you permission to understand groceries cost, like double what they did a few years ago. It feels like, okay, so give yourself some breathing room, put a real number in there, stop trying to be this frugal franny. Hey, see, okay. And you're going to be a bougie on a budget, but also just be able to, like, this is important. This is where you need to be able to have money and be able to feed your family and not feel guilty or like, I'm a failure if I'm not doing it. We're not, we don't want that. Now the other thing I'll say, Michelle is we, I like to start people off. I really like to start people off ahead or like over. Right. So I remember my, our clients that we had, they, they came in, they were single precious, like they were spending money. Like it was, I don't know, some sort of analogy that people would understand. And I was like, okay, we're going to put a thousand dollars spending money each for you, like, cause they were, they didn't have kids. They made really good money. And I was like, and they, they, they were like, well, okay, we'll do too. And I'm like, absolutely not. Look at what you're doing. I'm not even doing that. So they were spending like $3,000 or just spending money, money, money, money. I was like, we're going to put a thousand dollars in your account every month. You're going to be so rich. You're going to feel so good. And then also their eating out budget was really high. And I wanted them to feel like they were winning immediately. So they would come into the calls, kind of like how this friend friend said, where she didn't have, she had money left over in the account, right? They would come in and like, sort of like have a competition. Well, I have more money in my spending than you because I did better. And that's the vibe. Okay. That's the vibe. And then they also said, Hey, because we don't want to spend a thousand dollars on eating out, we started going to Costco instead of Chipotle and getting their stuffed bell peppers, or I don't even, I don't even know what it was, but they were really excited about it. And it really cost them so much money. And they, they slowly walked those budgets down the sales, but as they got more confident and more, more intentional with their spending, and that's really, if you can, that's where we would say like, walk it back if you, if eventually, but don't start off like white knuckling. And that's not for fun. That's not fun at all. Well, and I think when you, like Shayna said, they made those, those decisions after seeing everything on paper for a little bit, it takes some time. So, but if you immediately start like, like slashing these numbers and starting off with very, very small amount, you're going to hate the process and you're going to think that this doesn't work. Or the opposite effect is if you start high and realize, oh, I actually don't even, I don't spend that much, or I don't need to spend that much, or that's kind of ridiculous. You know, she, she had a client a long time ago and, and I had a family of six. They were spending thousands and thousands of dollars out to eat every month, which their budget allowed. But at the same time she said, I don't care if we can afford it or not. I don't want to do that. I, that's not where I want my money to go. So again, it's just you seeing what's happening throughout the month, making sure you have a comfortable spending budget, right? For all those categories. And then you deciding, is this what we want to do or do we think that our money can go elsewhere? Love it. Yes, exactly. And we walk through those kinds of examples all the time. Yeah. It's time to enter your coaching era because making good money should feel like making good money. Yeah. Imagine six months of private coaching where we'll tell you exactly what to do. No guesswork, no confusion and absolutely no judgment. It's a done for you system that actually works. You don't know what you don't know. And that's not your fault. And that's why we're here. Financial coaching with us looks like two coaching sessions a month, personalized recaps and after hour support, you can text an email. So you're never stuck wondering what to do next. Together we're going to build your budget, set up your system and tackle any challenges that come up along the way, which by the way, they always do. If what you're doing isn't working and you're tired of trying to figure it out on your own, sign up for financial coaching at budgetbesties.com forward slash coaching before all of our spots fill up and we will help you go further faster. Six months from now, you'll wish you started today. So we had another person in office hours who said that she achieved a $2,000 surplus. She was a paycheck ahead in one month. Oh, let's talk about that. Tell us exactly what happened. Yeah. Oh my gosh. Oh my gosh. She was awesome. Right. Right. She was just working so hard. And really, I think what it was was she was so unorganized. It was all being dumped into one bucket. She, they didn't know what they had, right? They didn't know where it was going, but once things kind of came untangled, the accounts were set up and separated and automations are set up, then it's like, oh, well, look at that. Where did that come from? Well, what they found out was that once they were very, very intentional with that budget, they get that one page and they got everything on there that they want to do instead of just swiping the card wherever. Once they're intentional, they were being intentional, then they found that they had $2,000 extra. But they didn't know where it came from. But it was because they were being intentional, because they separated and organized those things. And then they realized that that $2,000 was just kind of going out the door wherever before, right? Or not. Or not. Pumped. Yeah. So yeah, that. And she said that it was really just very eye-opening that the money was actually there. We see that a lot when people are like, are you sure that I have an extra $1,000? Right. And I said, well, I mean, again, that's why we love budgets. It's black and white. The numbers don't lie. And it just, but again, it takes putting it on paper and visually seeing it to believe that you have that cash available. Yeah. And sometimes there is an income problem, Michelle, but a lot of the time what we, what you see, what we see is it's not really a problem of that. It is literally specifically not being organized and not looking at your numbers, not telling your money where to go, as a to borrow from John, what's his name? Maxwell, you know, budget is telling it where to go instead of wondering where it went. Right. So if you're telling it where to go and then you have that sweet guardrail that we talked about with the groceries or the spending with the restaurants, whatever, then you're good. But for, but everybody for the most part has a disorganization problem. So for example, one of my clients, she was spending $2,000 a month and so like they didn't need to spend all of that. They didn't like that. That is a surplus that they were way over, but it felt like they weren't because they were unintentionally spending that. And it reminded me of my other clients. They, they had this terrible card. I'm not going to say the name because I don't want to get in trouble, but it was this card that you had to pay, like they were helping you because you had to pay off the whole balance every month. So they were helping you. You were required to pay off the whole balance. So they put everything on there and then they had to pay off like a $4,000 or whatever it was credit card. And that was all they're spending every month. And it was awful. And so we worked, I worked with them. And again, they made such good money. If I looked at their budget without that, they had so much money, they were eventually able to put towards savings and like bulk up their travel and bulk up their Christmas fund and all this kind of fun stuff, but they had no idea because the credit card was allowing, that's just a tool of disorganization. You don't actually know what's going on with your money. You don't know if you have money or just swiping that card and hoping. And, and then you don't, you can't be intentional with your money. But once they put it all on paper and I showed them like, look at what it should look like. Gosh, you have so much money. You could do so much with it. And so like Vanessa said, that's the first step is like, get it on paper. See what's actually possible. Absolutely. And having it on one page means everything. It really does. Well, it's not 12 different pages where you've got everything down to into the weeds and, you know, worrying about all the little tiny transactions. You've got it in a, in a very, very easy to read format that is very clear. And nobody has time for all the other stuff. Really. Yeah. And, you know, one page is beautiful. Yeah. The tracking that all these other budgets require you to do that we don't have time for and just like, again, the one page budget, people are underestimating the power in it because it does allow you to see everything on one page and make decisions. And just clearly visually, clearly and see your money throughout the month. Okay. So we had another girl who said that she negotiated her debt minimums from $4,000 a month to $560 a month. And one of them was at 0% interest. We hear this and see this time and time again. Yet so many people are afraid to make those phone calls and don't believe that this is actually a thing. So Michelle, talk to us. I don't know if she has shared kind of her experience on when you made these phone calls, kind of how it was. So, so this gal, I love her. She is fantastic. She cannot make it to every office offers, but she comes a lot and she's been coming for quite a while. I'm going to go ahead and just say she, she probably wouldn't mind. She's a nurse and she works so hard. Every nurse out there and they're pulling those 12 hour shifts and they're working long, long hours and just really, really hard. They have all these opportunities for extra, for overtime, for extra shifts. And so that's what she was doing was pulling these extra shifts to be able to pay for things, but she still wasn't getting ahead, still wasn't getting ahead. And I said, you know what, you just need to use that DI debt relief program that we have. And I showed her how to get to that and use that script and call these people, call these collectors and say, listen, I need some help here because you're, I can't get ahead with the way that you're structured with this high interest rate, with this high payment, with the terms that I have and I need to work with me. And so she said it was, you know, she didn't have a lot of extra hours. And that's why I said that she's a nurse and working these big shifts. She didn't have a lot of time to do this, but she did it anyway. She made phone call after phone call after phone call. And she said she had to be super persistent, but she made progress on every one of them, on every one of them. She got some sort of relief to be able to back off those payments and back off that interest so that she could make real progress. Right. And that made a huge difference for her to be able to get ahead in that debt payoff, which was her main goal anyway. Right. Yeah. That's awesome. And you said she did have our DIY debt relief workbook. Yes. Yeah. Yes. And she came on a couple of times in office hours when people were questioning whether to use debt consolidation or how to go about paying off debt, right? And since she's there, I asked her to please speak her story to us. And because we needed that validation that the DIY debt relief program works. And there are things and strategies that you can do to help with that, to help you get ahead instead of feeling like you are doomed. Right. Well, and when you give, when you go into that debt consolidation trap or you go into those programs or those people, you've relinquished your rights to your credit cards and so you no longer have to pull over them. And what you're paying them to do, you can do yourself. And so, you know, I will say if you go to budgetbestsees.com forward slash DIY debt relief, we have a workbook there. We've had so many people tell us they use our script verbatim by, you know, using it to talk to the creditors and has there's so much information in that workbook for you. There's also a video in it to help, you know, walk you through it. It really does help you bring those payments down. That is a, I mean, I had a client who reduced her payments by $426. This is a huge win. Like that is so small compared to what she was able to do. $4,000 a month is almost unbearable, really. But $560 is way more manageable. So I'm really, I'm really happy for her. She worked really hard to get there. And, but she's proof that it can happen. Absolutely. Just have to bite the bullet, rip the band, call them, get it over with. It's going to be worth it. They're not your friends anyway. So it's okay to call them. Just keep calling. Yeah. Yeah, exactly. And we recently, they have a plan for you. So one way or another, it's already in your system with it, with their, either they're going to already say yes or no, it's not like some concert and they have to go have a meeting about it or whatever. So it's already there. So, okay, let's, let's wrap up with one more win here. Cause there's coverage winning. I know there's so much winning all the time. Great. Yeah. I really want to know how, oh gosh, we're going to have to do both cause they're both so good. I'm sorry, but I, because I'm really interested in this client that has a Santa sack. Okay. She's fantastic. Oh, the Santa sack is great. Okay. Tell me all about it. You want to help with Santa sack? I do. I want to rename you. I will. Now. Yeah. So she has her Christmas fund, her Christmas savings account fund named Santa sack. So cute. Because she knows without a doubt she is going to be buying presents for anybody and everybody, the neighbors, the kids, the grandkids, the aunts and the uncles, cousins, the, you know, everybody. And so she knows that that is super important to her. So she has been stashed in money aside and she was feeling really good because this is, this is a new program for her, a new way to do things. And she felt really good that she would be able to start now at the beginning of the year and knows that she's already funding it. That felt really empowering. Cause come, come Christmas time, it's going to be easy. Right? Yeah. That's awesome. And I love how she took the time to figure out how much she needed and she's having fun with it. It's not just called Christmas or whatever. It's well, Santa sack. So she knows when she looks at that amount and she pulls up her bank up, she can like just feel instantly the amount of joy that she has and is going to have when she's able to just take that money and spend freely during Christmas. Well, it's like the Disney thing. It's like you want to have fun with your money and this is going to be fun. And I'm funding it with cash and I don't have to feel bad. I don't have to feel guilty. You're not going to have the holiday hangover. We call it that when you have all the debt and, and, and to your point, she obviously is going to buy gifts for literally everybody she knows. So it's really good that she starts early. Okay. So that she has the money so that she can do it. And yeah. And by the way, guys, your bank will let you rename accounts and you might like what you want, right? Yeah. Yeah. It's kind of like a requirement. So we're just going to plug that because if you look at a bunch of numbers in your bank account, you're not going to know what it's for. You have the whole point of this is that you need to rename your account so you know what you're funding and why. Yeah. And she's, she's also the one that's, that said she wants to start a Black Friday account because she had heard that on the podcast as well. So, you know, name it what you want to name it. Yeah. I always say like Black Friday's for me. Yeah. And like my Christmas fun is for everybody else. I need to know how. Right. I would love to break down on how much people actually spend on other people on Black Friday versus all the deals for the things that they already wanted, which is where we're here for it. Just make a savings bucket friends. So, a little graph to see, right? Yeah. And let's talk about your fun friend who paid off her house. Tell us everything about that. Oh my gosh, right? I mean, what a beautiful moment. Paying off your house. I've been there. I understand you go out and the grass does feel different. The little greener, isn't it? Oh my gosh. It's just, it's such a beautiful feeling. Oh, I mean, I, it's, I'm like anything else, right? So they just been working hard, just plugging on, right? Plug along doing that. But using the system, it made things clearer, made them clear and made the progress go faster because it was clear, it was more intentional. And the, the, the light at the end of the tunnel got a lot brighter. And it was, it was there a lot faster than they anticipated. That's so good. And it says here that she had one year left on her chapter 13. Really quick. Just talk about that. Right. So she, yeah, she had that to work on. And so she only has a year left. She separated that out from paying off the house, right? That was a whole different thing that they were working on. So she said that that once the house is paid off, then the progress on that chapter 13 is going to go so much faster. And for them, that's going to be such a relief when they're done there. You know, paying off the house is, is amazing, but paying off that chapter 13 and being done with it and moving on and just looking forward. It, that's, that's what she was working on. It's that dream mode that people get in when they're able to see those numbers and know how much they can accomplish. That's awesome. Yeah. I love that because, you know, we, we say in our budget that this, this is going to show you how much extra you can pay on it. You don't really know. You might be like making one extra payment here and there, but if you look at your budget, it will show you exactly how much extra you can pay on debt to get to reach your goals. Yeah. So what I'm hearing is that if you want a system that makes things clearer and easier and simple to understand, listen to our budget system, budget bessie's.com forward slash a budget, check it out. If you are completely new to this and you're like, I don't know anything about this, we want you to go to budget bessie's.com forward slash start and it'll show you exactly how to make your very first budget. We'll walk you through it step by step so that way you can see that and understand kind of everything that we're talking about. Yeah. And like Vanessa said, it could be clear like this lady who was like already kind of on the right track, but it just made it so much more clearer for her, clear for her and you can get the system. And by the way, it's a little, it's, it's, I'm just going to reveal. They buy the budget. Did they know, does anybody know you could get a one time budget session with Michelle? One on one private coaching session. Yeah. She will set up your budget with you, which is invaluable. You can get started and you can go further faster and you heard her, she loves everybody. So she's going to love you. She's going to help you. She's going to be so excited for you. So you should probably try it. You should probably just get the budget and then just get a one time session with Michelle, get your budget set up and hit the ground running. And then you can also go to office hours and hang out with Michelle for the rest of your life. Literally priceless. The best group ever. It is. We have so much fun. Oh, yes. I'm so glad. And they love you. And it's just a wonderful, wonderful group of humans. Thank you so much for coming on Financial Coaching Board. And again, and having, having you here, sharing all your stories with their, with the clients and also just knowing that what they're going through, we are hoping that we are helping somebody else in our audience, like maneuver through that as well. Absolutely. And thank you ladies for sharing all of your wisdom and your mission with all of these families because they, they all appreciate you so much. Well, we appreciate them because they're the reason why we can do what we do. And we love, we love being able to share this information with them. 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, way to budget. We have something special for you. Watch our automate your budget masterclass at budgetbesties.com forward slash auto me. We'll show you step by step how to finally organize your money, how to set up your accounts and put your budget on autopilot. So your bills, saving and spending around my 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 budgetbesties.com forward slash automate to start today.