How to Stop Feeling Stressed About Money Without Tracking Every Dollar | Reair: All Things Excellence Podcast with Chelsey Debruin | 576

If you're not doing that, then it's all for nothing. And you might as well be living like you're broke. 55% of Americans say that money is the biggest source of stress in their life. You're going to separate your spending to simplify your spending. You're spending $1,000 at the quick trip in seven days. I think on average, some of our clients are paying off between $30,000 to $50,000 in six months when they actually start looking at what's going on with their money. 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? Or you don't want to give up those pumpkin spice lattes? If you don't already know how to budget or if you're using credit cards to get through the month. 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 the right place. We're Shayna and Vanessa. We're best friends, business partners and master financial coaches trained by Dave Brancy. 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 her savings account or the millionaire who's paid off four real estate mortgages. 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. And I was talking about budgeting with my grocery bill and how it makes me nauseous and she always says it's like this flex. So like she doesn't budget, she just buys what she wants. I said that is not a flex. Yeah, I think some people may want it to be a flex but I don't. We don't look at it. Not budgeting is not a flex, correct? There's not much more your money can be doing for you if you did budget, if you could just see that possibility. Yeah, and if you make good money and she's making good money, then you should all the more be wanting to budget. It's actually more fun. It is way more fun. To budget and you have a lot of money and you want to be a good steward of that and you want to do all the things. It's great to make good money but if you're not like setting aside for travel or for retirement or all these big dreams that you work so hard to get that good money for, if you're not doing that, then it's all for nothing. And you might as well be living like you're broke. And if you have, let's say on average, she has about $5,000 left over at the end of the month every month and just throwing it over out there, that could be going towards something purposeful instead of just flying out the door because she has all this money and she can do whatever she wants with it. So it's just, we love giving your money a job and giving it purpose and for you to be able to see what it can do for you. And again, like Shayna said, it is so much more fun to budget people, to budget their money when they have a lot of money and they can see it working for them and they can watch their accounts grow every month. I agree with that. I remember right when I first, I went to school for personal finance, I know, fun times. So when I first graduated and I was getting that first job, before I was an entrepreneur, I worked in the corporate world for a year and I remember getting all of my paperwork and I brought it back to my college, to my favorite personal finance professor and was like, Dr. Wilson, what do I do? And I was so excited to be making money and getting to choose where it was going. And I thought it was fun. I thought it was so fun to get to put it all the places. Okay, so maybe this actually would be a really good little spot to slip in because I think some people might start listening to this and going, Oh, I don't need a budget. I've got enough money. It's fine. We're good. I spend, I save, I would invest, whatever, but they're really, but they're still not living on a budget. And you guys did some kind of a study about the state of budgeting in America and what our national study revealed. Just to touch on, y'all, we're going to talk about how to get control of the car if you are not driving your own budget car, but really quick for the people who think they're good to go. What did your study reveal? Well, one of the, one of the big ones we found is 55% of Americans say that money is the biggest source of stress in their life. Okay. So there's 55% of people that are saying that and then 75% of Americans don't actively budget. So there's a massive stressor and then 73% of them are saying that I don't budget. Yeah. And there's definitely a correlation there. Yeah. Yeah. Don't actively budget. Yeah. So they, when we think about that, we think people sometimes use their credit card as a budget, their credit card balances their budget, or they do something like maybe what your friend, your Pilates buddy is doing, which is just money is just happening. They're not in the negative. Therefore they budgeted. So there's that. But you know, what we, it gets so much worse. So interesting, like Vanessa said, people don't budget, but they, it's the number one, it's the majority of what's stressing them. They're, let's see, how many people don't sleep at night? What was it? I can't remember. Oh my gosh. Oh yeah. 51. Another, a majority of Americans say finances, like you were talking about, keep them up at night, but you're spending them for emergency, which is different. But this is like generally they're losing sleep. Yeah. And I think I want to back up too, but the whole like budget word and it's taboo and the B word and all this. So if you are listening on it. Sure. Exactly. So if people are listening, oh, I'm tuning out. It's a budget podcast. I don't want to listen to it. But here's the thing is we just really believe that people have been doing it wrong. Like really doing it wrong. And so what we want you to do is live bougie on a budget. Like our main goal, our tagline, our life goal for you is to be bougie on a budget. And what that means is something different for everyone. So that could mean that you want to take trips that could mean that you want to have lavish birthday parties. I have a client who's got six kids and she spends about $4,000 on each kid for their birthday. Or $600 shoes. So, but it's. I love golden bear shoes. No, it's something different. But it's exactly the, it should be that on purpose because it's your budget. It's your life. It's your dream. It's your goals. So we don't do anything cookie cutter. And so before you tune out, listen in because this, our budgeting way, our system is so much fun because it allows you the freedom to spend. And that's what we want. We don't want any of this shame or, oh, I don't need a budget because I make too much money. Yes, but what if you budget because your budget, your money could do ABCND. I love this. I love this. Okay. The coolest thing about this was y'all reached out, which is the thing. Like when you have a podcast, you guys know you have a podcast, you get pitched for their podcast and I was already working in developing our financial Friday series and y'all reached out. God was like, Hey, we need these ladies. So this is, I love this. I think that people think it's more complicated or they believe that it should be or someone's told them that it's way more complicated than it should be. So they don't do it. They don't know how to do it. And again, the assumption is that they should already know they were taught that vision was given to them somewhere down the road. And what we've learned is that they haven't been taught. They don't have any financial literacy and it's not shame on anyone. It's just you don't know what you don't know. And therefore you went to high school, got a job, then went to college, probably got another job, graduated there, had a career, got married, had kids. By the way, you didn't know how to manage your own money. Now you're managing two people's money, right? As you come together in marriage and nobody knows what they're doing. And you can put words and numbers on paper and call it a budget, but that's not doing, it's not helping you. Yeah. And it's gotten a lot more complex. Our parents had to budget. They had four bills. That's what I'm saying. I'm like, they have like electricity, natural gas, the mortgage, gas in their car. The news people were out or something. And also they had maybe one credit card, probably, depending on how older our parents are, which we love them, they're not that old. But it's fine. They maybe had one credit card. And to your point, everything is way more complicated now. You have more bills, the spending, there's more ways to pay bills. There's way more like a tax on your bank account from Venmo and PayPal and all these different and Apple Cash and all these different things. Plus you have more debt, most likely. Plus you have, maybe you have more aspirations. We're all coming out of a generation, a couple of generations that we're dealing with a derailed depression. We're trying to figure out how we're going to go on vacation to Italy. Let's be real late. Let's be real late. Como baby. Let's go. We're all right. Yeah. Yeah. Or 66 and 70. So they were raised by like the great depression people were, you just be grateful for what you have. And they definitely raised us to shoot for the moon and hit the moon and let's go to Italy. And so that's where it really started for us is we realized nobody knows how to budget. And so we started teaching that specifically. We got certified as financial coaches to learn, to teach everything. We really honed in on budgeting specific. And then once we did it for a while, Chelsea, we were like, okay, our people do not want to live on beans and rice. They do not want to have cash envelopes. Nobody has time for that. Nobody's going to the ATM. So we developed a system to your point that that works with every modern tool that we have that takes you and like your willpower out of it so that you can set up your budget once and hopefully everything runs on its own using the features that your bank already has. And then you're just like budgeting and being amazing or an amazing saver, spender, all the things without having to lift a finger. The two things I want to talk about are there. Number one is face the music. What do you tell people to do? Okay. Yes, that's such a good one. Here's the deal. What we see is people, maybe like your friend, we're just your poor Pilates patty friend. Like, Pilates patty. It's such a wonderful human and she's getting called out. Anyway, a lot of times people just have their head in the sand when it comes to their finances. And because it feels complicated, it feels like restrictive, it feels like time consuming. And so we want you to face the music. Get it all on one piece of paper, which is what our budget system does for you. It's not complicated. It's on one piece of paper. And then you actually know. And a lot of times Chelsea, it's not nearly as bad as you think it's going to be. It's all in your head, like wrecking balls in your head, like it's going to be so bad. And then once you get it out, you actually know how much you make. You actually know how much your bills cost. You actually know what you're spending. That's something you can work with versus this like imaginary scary thing that you think is going on. There are a lot of times when we sit down with clients and they are stressing out. Before we even go over anything, they're really worried about what they're like having hives and sweating. Oh yeah, about what we're going to see. And then we put it on paper like Shayna says, and we're like, Hey, you have $2,000 leftover at the end of every month of your budget. And they're like, how on earth did that happen? And so really it's just these wrecking balls in your brain that it's making it seem worse than it is. And if you just take the time and put it all on one sheet of paper on one budget and five simple columns, like we have it listed, you're going to be able to see that your money can actually do a lot for you. So number two, create a monthly budget and you guys have a one page printable budget template. Is that that? Then they can click and they can download to be able to get access to that. I think that's so cool because you'll tell people print out 90 days of statements, which I just encroaching people in general in life somehow things like this will come up. And I'm like, I always say you need to go to your accounts and you just need to print out for the last three months and get ground in reality like where the world is all of your money going. And with that, you can just get super nerdy, get some highlighters out, highlight different categories with a different color and just see. So one time we had a client, she did that. That's something that you don't have to do it, but you should do it if you really want to know before you go in. And she's, I wanted to throw up when I realized we're spending, there are family of four, this is a couple of years ago, they were spending $2,000 a month eating out. That's it. Just been eating out. She had no idea. She had no idea. It's just people don't know where their money is going. And so when we make someone's budget, we say, Hey, how much do you want to budget for groceries this month? This month? And they say, I don't know. Doing that 90 day review, that 90 day audit is going to give them a chance to go, okay, I normally spend about this month. Oh gosh, I can't talk this month a month on groceries. Let's put in this number because this may be the first time you're ever putting it on paper of what you want to, what number you want to put in those categories. So going back and looking, listen, it's not for everyone. Everyone loves to go back and look at the numbers. We get that. But like Jana said, if you want to be super nerd, you want to join the club, just do that 90 day audit so you can at least get a baseline of what's going on. Yeah. I am a big fan of it and I do it. I feel like especially summer, when we get a little more, we can get a little away from things and so our school goes back for us in Arizona in the middle of July. And so we start the, I know it's super. We're on eight weeks off for 18 days on for eight weeks. It's a whole thing, which is great. It's so freaking hot here. We're not doing anything else. We might as well just go back to school. So we're off from basically the beginning of May till the middle of June, 23rd or 20th of July. And so I remember the end of July sitting down and like looking back going, how can we get so, what did we spend on? What happened? What happened? But it's my family came here on vacation and then we went with my family on vacation and you get into this like BK Amazon and Amazon it mode and running to the grocery store 10,000 times and just set up once a week and meal planning and doing all those things. And so I felt like I had to grab ahold of us. And that was one of those times when at Pilates I was going, this makes me so sick and nauseous. Like we eat very clean in our house. Like we are highly allergic. I'm highly allergic to gluten. My husband's allergic to flour, which just makes our grocery bill a little bit more expensive in general. Allergic to preservatives. I can't eat junk. And so we can't, luckily I really can't eat out that much. But if my husband, if I let him, he would eat out most meals. And he would tell you that he is really grateful that I keep that under wraps and we have this rule about, okay, we can eat out two meals a week just because he's an athletic manager at the school. So, but a lot of late nights. But we also eat a lot of homemade food in a press box on a sideline and at the score table in a gym. We should do it. It's not convenient. We could be eating out of the concession stand, which people do. I watch people's kids. I'm like, your kid just ate 50 bucks. They can put it at our school. They can put it on their account at the concession stand. Stop it. And we're required to work shifts for our kids' sports. And we just watch these kids come up and add to their tab, add to their tab. And I'm like, add $2, add $3, add $5. I'm like, don't let them. Adds the budget besties. Are you guys like, here's my car, dude? Oh gosh. And one thing I was going to say is a lot of times what you're talking about happens when we're using credit cards. It's very easy for things to just get off creep. And we're going to get into what we suggest to do differently so that it doesn't creep. You don't have to track 1,000 things. You just have to track your one account that has your spending in it or just keep track of it really. You don't have to track anything. Yeah. And that makes it way easier. The guardrails are so there and so easy to stay dialed in that that's what we would recommend and it makes it much easier to do. Can you guys as moms, what do you guys have to say to the mom that feels like? They don't want to, you know, restrict their kid. And because it's, it is like a weird little shamy world that we live in. And I see so many parents that I'm friends with. We do not have kids yet. But I watched them. It's to tell their kid, no, almost makes their kid feel like they're poor or like their kid has to feel like they're poor or it's, I'm sure it's their own little childhood. We didn't have enough trauma. But what do you guys say to those moms that you go, this is not good. This is not helping. Like letting your kid have an unlimited access to, this isn't good. No. And here's the thing is you're actually doing them a disservice. The best thing that we can do for our kids is teach them financial literacy. The best thing you can do is teach them how to manage their money. And so one of the things that we teach our clients is you have a line item in your budget called kids, whether you want to break it down and it's specific to each kid or it's just lump summed into one and it's kids for, it's money for all of them. And also take the responsibility off of yourself sometimes. You already carry a ton of weight on your shoulders. Decision making. Yeah. With everything else going on in your life, let this be the one small area that you can pass on to your kids. And what I mean by that is when you have this line item, let's say it's 200 bucks. So you have two kids, 200 bucks a month. That's what you put in there. And so each kid gets $100. Give them a little small mini kids budget and say, you get a hundred bucks this month, you get to decide how it's spent. You imagine the weight lifted off your shoulders and think of that kid going, ha, let me tell you what I want to do with this money. But it bows them up a little bit and they get excited because they now have a say in what's going on. Yeah. We have lots of clients that we do this with and it's, there's two ends of the spectrum Chelsea. There's people that can afford what they're doing for their kids. And there's people that can. And either way, we want to take away your feeling of responsibility that you have to pay for their college, that you have to pay for their gas when still driving, that you have to pay for any of it. Anything that you choose to is nice, especially if you can afford it, but none of that is on you. What is like, but this is what is way better. And this is all of our Bootsy clients, everyone who's like right there in the middle, whatever, the best thing to do is teach them to manage money themselves. It is going to pay off for them financially, emotionally, all the things later on. We have, I have a client just today. She said, I've noticed my son is spending less now that he's in charge of his own budget now that he gets $100 every two weeks. And he's more grateful because he's having as the kid that's driving, he's having to go every once in a while and make his own money to supplement, right? Do what he can. And so now he's saying, thanks mom, every time he gets that hundred, because he knows the value of it. He knows, and that is way better to teach your kids than to just give them money. And then I'll just say the other thing I had another client that they can't afford travel volleyball. I'm just being honest. And I, it's at the expense of them getting out of debt and they have a lot of that, unfortunately. And so I said, you don't have a responsibility to pay for this. And you certainly, or she certainly has a responsibility to make some of it up herself. Right? Yeah. And what you teach kids, and I know you're all about this with, I look at your money, my ins, your money story, teach her that she can make things happen. If she wants to, she can make money. She can go fundraise. She can make this happen. If it's something she wants, she doesn't always just try to rely on mom and dad. Anyway, soapbox, we could talk about it all day about the kids. I love it. I think it is a big thing. I was eight years old and my parents bought, you feel this in my money store, my parents bought Money Matters board game for kids where it was like from the Christian bookstore, you buy this and so there's tithing. And I would say, if you got the 18 year old waitress who was a single mom, you were screwed. You were definitely going to lose the game. Like you are not going to win the game of life for Money Matters board game. If you got that girl, like by the time you tithed and paid for the baby, you were broke and your credit card was just racking up the money. And I do think that at age 10, when I was born pretty bougie, I do love a good $600 golden goo shoe, but I was definitely born like that in the middle of nowhere on a farm in Iowa. And by 10, my parents were going, Oh geez, this is going to be a problem. And that's when they right away were going, this is not good. My brother's just didn't care. My baby brother cares because I started using my extra bougie money to even buy him the extra bougie clothes because I were eight years apart. So I was a little bit older when it started mattering and he was a teenager and I was already out of the house. But my other one, he just didn't care. Middle kid didn't care what he wore, whatever, as long as like the collar wasn't too tight. And so my parents did set this rule. Like we are, this is how much money we'll spend on your brother's clothes. So we're going to give you this money. And if you want to go buy the $30 Abercrombie shirt, like that's on you. So I am, I'm 10 years old. I'm babysitting. I'm budgeting my own money. I've got, I honestly, I had before day for him to stay free and see, I had little jars and envelopes that kept my money for my different things because I liked to accrue the money in there and know what I was going to spend it on. Like I remember working that summer to get this really fancy bike that I wanted to have. And I bet you took it. I bet you took really good care of it because you worked really hard to get that done. And I'll share a small personal story. Growing up, I had a friend of mine who the mom got the daughter or whatever she wanted, like anything she wanted. And I remember being a kid, being super jealous because that's, that was my mind at that. I was like, I wish my parents could get that. Now my parents were not broke. They had, they were entrepreneurs, but they were entrepreneurs. And so money was not consistent and they, it was, they worked really hard, like literally 90 hours a week to make ends meet. We had sports and all that, but still the girl got anything she wanted and I didn't. And I remember the day that I got my license, my parents didn't pay for one thing ever again, like nothing. I paid for all of my gas, all of my clothes, anything I ever wanted. I did that. And I remember being like feeling resentful a little bit. And then the day I paid my mortgage off, what was that? Almost seven years ago, I thought, this is what it was all for. It was to teach me to do the thing, do, work hard, accomplish everything that you can accomplish on your own. And I look back at my parents and I look at how financially responsible they are now and tell me, I'll tell you, they went through some hard times, even when I was an adult, they went through some hard times. But looking back now, they just taught me so much about money that I don't even think they realized that they were teaching me. They was just, they had to do it because that was the only way that they could survive. They could not afford to give me all the things, but there were so many lessons in all of it. And like you, I just think it, you just grow up differently when you are responsible and you're not given everything and you're, you have to either earn it or you're taught it. I agree. I do agree. And I, it wasn't, I mean, I was 10 when that started. And then it was probably around the time that I got my license, they were going, it was farming. It was just not good. And so I was already paying for a lot of things, but then I think I just started maybe really paying for a lot of things, but I honestly didn't notice it. And I always look back and think, I am so grateful that they made me learn how to manage my money when all I cared about was saving for like gas money and friend fund money and clothing money and whatever, things like that. Yeah. I didn't have, I really didn't have any expenses to manage. I'm so grateful that I learned how to work for my money and go after what I wanted in life and say for it, that having to fall, I can't imagine these kids who are just falling out of college and all of a sudden they don't have the AMX anymore and they have to stand on their own two feet. I think they're not. Oh, no, they're not. Yeah. My, like my husband was definitely raised very differently than me. And that was not fun to be married to. That was rough. That was like two different mindsets coming together to figure it out. Yeah. That was like, I think everyone should do marriage therapy and we did for fun seeds just because I was like, we should do this. And we both wanted to learn how to communicate well and his parents were divorced and mine weren't. And I was afraid that I was just afraid. I was like, oh my gosh, I've never really been around divorced people. So we should do marriage counseling. And so much of that came up, but it was how we were raised so differently with an unlimited funding source versus the Walmart shirt costs this much and the Abercrombie shirt costs this much. So you got to make up the difference and we don't care that you're 12. Yeah. I do think it's different. Okay. So next thing under reducing expenses in the magical packet that you all need to download, no, under saving strategies, net worth, not credit score. Hmm. Yeah. Yeah. We don't care about your credit score and we don't think you should either. So you're, we've been talking for 45 minutes. We haven't gotten into the meat and potatoes of what we teach, but we want one big thing that we want you to be is your own bank. We want you to be your own bank where you don't need to rely on credit cards, where you have money and savings accounts for the trips that you're going to take home. That is making you money. Your money is making you money in a high yield savings and you're your own bank. You can borrow from yourself whenever you need to. And so your net worth is way more exciting to track. We don't care about your credit score. Your credit score is a made up score. It wasn't, as we alluded to earlier, wasn't around a couple of generations to go at all. It's not a tool for wealth. It's a tool to keep you in the cycle of debt and they're going to win that cycle. They're going to make you think that your credit score is, it defines your wealth. But what we know is that your money in the bank is what defines your wealth. What do you say to the person that goes, yeah, but I need a credit score to buy a house. We're not denying that you don't need a credit score to buy a house. That's not what we're saying, but we're saying there are so many people who are so focused on their credit score. Listen, we know it's a game. Okay, we get it. We're not blind to that. It is a game and there are some times where you've got to play the game for a short time. But if you're not buying, if you already have a house, you're not, and you already have the car and you're not doing anything, then why are you so focused on your net worth? I have a client. I have so much equity in your credit score. I have a guy and he says, a client, he goes, I have so much equity in my home. I said, that good for you. Are you selling your house? He said, no. And I said, then what is that equity? What is, how is it helping you? But is that mindset of, oh, my shoulders are back and I'm standing tall because we bought our house for this much. And then the prices went up and I have so much equity in it. Yeah, but it doesn't matter. Okay. It's also, I'm sorry, fluid. The people around here in my neighborhood, I'm like, you idiots bought your house for $550,000 three years, three, four years ago and the markets crashed and now your house is worth 325. How are you doing? There's a lot of that where I live. Like Arizona market went bananas. And so people were, oh, look at my equity. And I'm like, your equity can change overnight. Yeah, that's not, well, it's just that your credit score is a distraction. It really, it is a distraction and you need to focus on your net worth. And what Vanessa was saying is if you already have a car payment or a mortgage, you don't need anything anymore to get your, to keep your credit score, what you want it to be. You don't need those credit cards. You don't need any of it. And again, they're going to win the game. They win the game. So I know when you follow a lot of the credit score tracking things, which I always have done, they make you feel like if you don't have a really crazy, insane, high limit credit card, then your credit sucks. And then you're like, oh my gosh, the only way to get my credit score, my limit higher is to lose my credit card more. So then look at me a higher limit and then I can have a higher credit score. It's a game. It's literally this cycle. It's a circle. All it is. I'm going to get no debt to have a better score, to get more debt, to have a better score, to get more, like why? Yeah. I feel that though. And they do a really great job. I mean, great job. 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. I think didn't Ramsey, I think it was him. I've heard on his podcast and he said that they spend more money, the credit card companies spend more money annually than the NFL does on marketing. So like they know what they're doing. We're not, it's a game. We're not going to win. Yeah. Oh my gosh. Okay. That I was intrigued by that going, what is that about? Tell me about that one. The next one was reduce expenses. If there, if you could only pick two to three ways, what are the things that you would tell people to focus on? Right. Like these are the, like really go after it thing. Cause you'd have a lot of different ways that you can reduce expenses. But what do you feel like are two to three? If somebody was trying to get really simple and go, I need to start getting a handle on my budget. How are you guys working with people? What are the, where do you start? Before we answer that, I do want to say a lot of people think that doing a budget or working with us means you have to cut things out. Yeah. One of the things that we are really big on is it's not necessarily, oh, cut this. Cut that's not what we're here for. Yeah. We're here for, Hey, you have a gym membership. Do you use it? If the answer is no, then it's going. Yeah. If you have five or five to seven different streaming subscriptions, but you use one of them, then the rest of them are going. So it's really, it's un things that are that you don't use wasted expenses in your budget. That's what needs to go. Yeah. Reducing expenses doesn't mean losing something. That's what we want to know. Cause something you said, re-quote insurances, which I tend to do probably annually because I get really annoyed that it's always increasing. Yeah. It's all of them. So your insurance, your cable, your internet, your phone, when was the last time that you re you negotiated? When was the last time you call and fake canceled and then they gave you a better deal? That's, that's the game that we're all playing and they're offering new people better deals than you. So you might as well ask. And we actually have, depending on your level of debt, we have our clients do the same thing when they go down their debt, their credit cards, call them and see if they have a deal for you. I mean, they might be able to reduce your interest rate for, for permanently or for a little bit of time. They might reduce your payment, all kinds of stuff. What? Yeah. Oh yeah. You, you just have to girl, never be afraid of the ask. That's like our biggest thing. Just pick up the phone, call and see if they could work with you. So we moved out here a couple of years ago and when we did, it was when the market was losing its ever loving mind. Interest was 6% and houses were like slab houses for 1700 square foot or like $500, $500, $600,000. And I was like, we are absolutely not buying in this. This is not happening. We're going to rent and we're going to look and we're just going to find God's going to give us a great place. And he did, gave us a place acts. I'm like, somebody screwed up. We got displaced cheaper than the interest rate would have been monthly on our mortgage. We were looking at, do we want to buy and move now? Do we want to stay? Our renewals coming up last week. I started looking around. I just took time to look at the market rate. I text them back and said, Hey, I'm just basically going, I know you do a six cent annual increase by this rate. We're going on year five. This is where we're at. This is where we started, but this is the current market rate. We're really far above it, especially from when we moved in. Is there any ways you, is there a way? Is there anything, is there any wiggle room? Y'all, they were, they came back and said, if you'll sign for 24 months, we'll give you this rate, $8,000. I was like, okay, we're going to stay in this house, renting at a stupid, cheap rate for two more years until my husband graduates from college and gets so you'll save $8,000. They reduced our rate, $8,000 from what they proposed to us. Me just going, Hey, this is what the market's actually doing. I know you did this automatic increase that you do. And they eat the guy emailed me back and said, Hey, if you'll sign a 24 month lease, I will give you this rate instead of the rate I originally sent you two days ago, $8,000 less over two years. Yeah. So he was asked. Yep. Yep. Politely, which my dad did say, my dad said, see, that's what happens. When you open your mouth, I tell Mike it's all just open your mouth, have a conversation. And you did it politely. You didn't yell at them. You were kind. You were well informed. You did your homework. So I just didn't know you could do it on all these other things. You guys have me really intrigued. Okay. So the one thing I will say on the ditching debt, you guys said, unlink all your cards. I felt like that was a personal attack. Yeah, it is. You're a feel attacked Chelsea. No, it's just, so, you know, this is really window into what we do with coaching. And all of these are literal action items that we put on. You're moving with people, right? If people are going, I literally, there's no way I can do this myself. They can just call y'all and you guys will help them move through all this. Yeah. And hold their hands. Yeah. And so we coach for six months at a time and we help you build a budget. We help you figure out your plan to get out of debt. If that's something that you want to do, we help you build savings buckets and figure out your spending. But when it comes to the, for the credit cards, what we do is we'll be like, wait, you said you have a Spotify subscription. Where, why is the bill not coming out of your bill account? And the problem, and this is part of what feels so complicated. You have this Spotify on this card and then you have your gym membership on this other card and it's just all scattered and disorganized. And that's actually the problem. Most people have Chelsea. They're not bad with money and they're not bad. I think they're just disorganized and it feels all over the place because it is. So what we want you to do is have one bills account where all of your bills are coming out of it. It's not on the other cards. It's not adding to your debt for no reason. I do have a Spotify on your debt. Like you can afford it girl. You can afford for the $17 a month or whatever. Get it off of your credit cards. That's what we're saying. So you're telling people because so, okay. So this is another place I feel like we've been convinced is it's safer to put things, safer to use your credit card than your debit card because it's more secure. So your debit cards has the exact same security as your credit card. I was if you, if you look at a debit card, it has whether the visa or master card symbol on it, it run through the same system that your credit card does. So that's a lie. Actually, I will tell you that we actually recommend people use a CH payments first because that is even more secure. And also a lot of companies are giving you discounts. Yeah, I always use a CH because when you run a CH. Yep. So it's like my phone company gives us, I think a $30 a month discount. So on top of my husband's 25 to 30% discount to be with them because of his work. We also get a $30 a month discount because I'd use a CH versus a debit card. That's why. Okay. So I have a credit card on my AT&T account, but really I always pay with my ACH, which is why they got all of me because they give me a discount for using a CH because obviously then they're not having a credit card fee. Yeah. So the other solution to that is what we have is you're going to have one bills account and there's only so much money in that account. It's literally to pay your bills. So what you're not, it's not $10,000 that they would have access to all of that separate. It's just your bills. And Chelsea, it's what makes it very noticeable if something like that happens because what people have is they have one account with all of this stuff going on. They don't really know what's going on. There's hundreds of transactions in there a month. Instead, one of the accounts that we're going to have you set up is just for bills. And you probably have no more than probably 20 bills, give or take, just give or take. And then you have four paychecks maximum coming in a month. That's all that you're going to have to like keep an eye on. And you can set it up automatic. You don't really have to keep an eye on, but it makes it so much more simple. You know exactly what's going on. And back to Vanessa's point, it's not necessarily about what we're taking out. We just want to see it all. We've had several people have duplicate streaming surfaces or have duplicate bills because the husband was paying for one and she's paying for one. So come on guys, let's just get on one piece of paper and get organized. Again, it's not usually that you're bad at budgeting, bad at money. It's just the organization and that's what we teach is how to organize it easily. And I had a client, I've had, we've had actually multiple clients that have been hacked, their accounts been hacked. And they said, thank God for you, the system that you had us set up because they didn't have access to all my money and it didn't interfere with everything that was going on. I still could pay for groceries. Yeah. So they had their, they had, maybe it was their spending account that got hacked. Their bills account was still secure. Their gas and groceries account was still secure. Their husbands account, like everything was still secure because it was only the one that was messed with. So it's still allowed everything to still happen. And their bills, which is the most important one was unaffected and everything could still run like the mortgage. That weird little fear because I got hacked way, way back in the day is why my husband has Wells Fargo, my one business that's chase and my other business has capital line. Like I don't even keep them in the same bank because I have a weird fear. I just have a weird fear about that, which, okay. So speaking of being an entrepreneur, I'm sure you guys coach entrepreneurs who have a little bit more complex than most people. Right. Yeah. You attract who you are. So I think more than half of our clients are entrepreneurs. We do their business budgets and their personal, because you can't do one without the other and our system, the way that we set it up works exactly. I think there's one extra step for business. It works exactly the same for a business and then it feeds into funnels and to excuse me, their personal budgets. Okay. So what is it? Let's talk about what does it look like to work with you all? So when someone's going, I just, I don't even think you guys have a lot of tools. You have a bazillion free tools, but you will also take someone's hand and go, we're going to walk through the waters with you on this. Yeah. Because here's the thing we had one, one entrepreneur say, I would have gotten here, but it would have taken me at least twice as long, if not longer. And that's really, you're an entrepreneur. You are maybe a wife, a mom, whatever else you are, you have so many things going on. What we want you to be able to do is show up to your coaching session and we'll tell you exactly what to do. We'll look at all your numbers with you. There's no guessing. There's no, what do I do? We're going to walk you through every bit of it. And then after six months, you're confident. You know exactly what's, what's happening. I have a story that I tell of one of our clients that we started and she came to the first session. She's also an entrepreneur, mostly real estate. Investing, but very busy with that. And she came to the first session with a bottle of wine. Okay. She was so anxious to look at her numbers. She did not want to do budgeting, but she knew she needed, okay, as long as I have wine, I'm going to get through this. Okay. And you fast forward after she was done graduating, she graduated coaching. Her husband unfortunately got diagnosed with cancer over the summer and she didn't even have to look at her budget the entire time while they're going through all of that. She never even lifted a finger and every payday, her groceries were funded, her bills were paid automatically, her savings buckets got their transfers. They were all adding up just like they should have her homeschool bucket. Everything was happening and she didn't have to like pay attention or put any energy so that she could just be present where she was. Imagine going through something like that and having also financial stress added on top of that. So she was able to just be fully present in the situation at hand and knowing that her finances were completely taken care of because that was the process and that was the system that we set up for her. Yeah. Y'all, this is like God whispering saying just get it together. Yeah. Cause like life happens. Yeah. No, and it's no judgment. Like she came with a bottle of wine. We're good. Let's go. We got this. All right. I'm not the one drinking it. So math can still be doing. It's fine. But there's no judgment and that's really what we want. We want you to show up and see it's just math. We will work. It's a math problem. We will work it out with you and then you're going to feel really good. That's what we hear is I finally feel confident. I feel in control and not stressed and that's what we want. And like we said, I want, if you're, if I'm going to learn something, just tell me what to do. I don't have time to go through and figure this out and do this. Just tell me what to do. Help me get there. And that's what we want. That's what we do for coaching. Think of it as a personal trainer for your finances, right? So like I said, you'll eventually get there, but you could get there in half the time. If you do not have to chat GPT your way through it. That's why people say, Oh, why do you pay so much money for a club? Pilates membership. I need just a few things in my life that I don't have to think about. Yeah. I got enough things to think about. And I definitely do not need to think about what workout do I need to today? I want to show up. I want to get my butt kicked. I want to open the thinking. Can they tell me? I don't know. I don't know. Yeah, I mean, I think some of our best clients come into coaching literally from day one or the free call and they say, I know how important it is to invest in yourself. I know what it, what that looks like and what it should be. And so they're ready. They know what the investment should be. It may be, cause it's just maybe the first time they've ever invested in themselves for their finances. We'll go to college. We'll get a CPA cause you don't know that we'll get this person for this, get this person for that. But when was the last time you had somebody look over your personal finances and run through it with you with a completely different mindset, a different thought, a different outlook, who's not emotionally attached to it, who can say things that you would have, or say and see things that you would have never done or seen before. And so it just really allows us to come in and paint a picture for them that they may have not been able to paint for themselves. Yeah. And I think it's that no shame thing. It's, Hey, no shame. I think we're supposed to know what to do, but why would we? Cause you weren't taught. Yeah, we were not putting my expectation on you. No. Please. No. Please. I never, I never expect that of yourself. Yeah. I'd subscribe. Yeah. So you all, do you all do a free discovery call with PC where you're all or all at and then from there they can enroll in six months of coaching with you to, it's like a six month budget boot camp. Yeah. Yeah. It is. Literally that. Okay. So what to wrap it up a little bit. Definitely do that guys. I just go dive in, look at all the free tools. I think people probably will start reading through the free tools and realize, Oh my gosh, these people know this packet is, it's incredible. It's hollow. Also think that you guys just know things that most people don't know. Yeah. Like one of the, I remember right here, there was one thing about turning off your credit cards and doing something and then you were like, call about it, see if you can get a reduced rate or. The deal is we've been doing this for six years. We have a bunch of clients that we're literally looking at. They're very different budget. All of them are different. And that's it. We've just been through it. And this is our area of expertise. Everybody has their own area of expertise. And a lot of times people put this level of that, like we were just talking about expectation, I'm good at this. I should already know this. Should. I should know. I should know. And no, you shouldn't. No, literally no one taught you as we alluded to earlier. Everything is more complicated than we ever thought. So let us just help you. We'll walk, we will hold your hand. We will walk through it with you and then you'll just ride off into the sunset and be all happy. We like to say we'll give you your wings so you can do on your own because that's the whole goal. There are some coaches that want you to keep forever and we are not like that. We want girl, I had a client for four years. I love them so much. And I said, girl, you got to go. You got to do this on your own. So I was wanting you to keep holding your hand. Yes, she did. And she was so sweet and she was going through a rough time with everything. But I finally told her, you have to, you can't rely on me to do this for you all the time. You have to do it. So, and she's good. She's awesome. And she's lovely. But six months, we get you in and out in six months and we teach you it's drinking from a fire hose. We give you a lot of information, but it's stuff that you will take. It's not just stuff you can implement and be done. You'll have a, you'll have a lifetime to be able to make this success and also teach your kids, teach your grandkids and whoever, whoever else you want. I love this. I, to me, how I view it is, it's as simple as why I pay somebody to teach me how to work out because health is really important to me. Why I go to my wellness center where I'm like, just tell me what I need to do to be the very best, most energetic version of myself. That's all I need. Don't care. But it's also like an accountant. Never in my lifetime have I ever done my own taxes ever. Why would I? Like it is not my day to day job to know the tax rules that are changing. And I feel like y'all are like the, just like you have an accountant to be a tax guru, cause they know all the little things that are constantly changing. Y'all are like the budget gurus. That's why they're budget besties. Yeah. We're not only budget, we're y'all's budget besties. Y'all are our budget besties. Oh, yeah, I feel that. That's why our tagline, that hashtag, our handle, I'm going to get it right. Our handle is my budget besties. So Instagram, Facebook, anywhere, like that's what it is. You are my budget bestie. I feel this because I, the fact, I just think that you guys know a lot of tricks that why the world where I know these tricks to do. Yeah. Like most people don't even know that they can have more than one checking and savings accounts. You can have them. It's fine. Really? It can be in the same bank and you can rename them. And there's automatic transfers. We know a lot of things. We have a lot of things. We have a lot of tips and tricks. You guys, okay. So here's a quick one. Do you guys have, I love capital one because it'll let you make as many free checking accounts as you possibly can to create all your little buckets. I personally love that, but you guys have a favorite bank. We will someday. Someday. Yeah. No, we don't have a favorite one specifically. There's just based on what works for you. We have a lot of banks that people choose the majority, like a majority of them based on their situation, but we don't have one specific one. Yeah. But we have had several clients with capital one and there's some, it works. There are some pros and cons. So it just really is about going through what's, what you're going to set up. And then we will help you find the best bank for you. The best for you. Cause some people are very pro like credit union. Okay. Yeah. Oh yeah. We love credit unions. They seem to be really great. They have all the things that we want most often that we want for you. So yeah. Yeah. Okay. That's what I'm curious about that. Okay. So what are two to three tips that you would go, okay, if this, if somebody's like, they're just two in their shame spiral, they may download the packet, but they're probably not even going to print it out and read it or not going to open it or whatever, because again, they're overwhelmed and they're in their shame spiral. What are two to three tips that you would want to give them to go, okay girl, you might not do anything other than listen to this right now, but what are two to three things you could do to start making progress? Yeah. These are the only things that you could think about or that you could take away from this entire conversation would be one is to have a bills account that only your bills are coming out of. So you don't use that debit card at the grocery store. You don't use that debit card for date night. The debit card stays home and that account only gets used to pay bills. Yeah. And so that's going to be the probably the checking out that you already have. And then you're going to open up a new checking account, which is going to be your spending. And so you're going to have a set spending amount. Oh, each month. It's a separate checking for spending, not for saving those. That's a difference. That's a different conversation. We want bills. But it's going on bills account bills, bills, bills only. And a bill is defined as anything with a due date. Yeah. Yep. And then you have a separate like Vanessa said, you have a separate account. We actually teach for separate accounts, but we're not going to overwhelm you. You're going to separate your spending to simplify your spending. So you're going to have this other account that has, let's say $2,000 that covers your gas groceries and whatever. Target runs, Starbucks. And that's all you have to, you just live over here. You just live over here and the bills are taking care of themselves and you don't have to like it when you're in the checkout line at Costco or whatever, being like, Hey, do I, did the mortgage get paid? How much gas do I need? What's left to like all these transactions that you're Mathing in your head. No math. No mental math. It's like, what's in math? So my, I do give my, I miss people like, I can't let you give your husband an allowance. And I'm like, he loves it. He wants it. He like, it's like, how much money can I spend on stupid things that don't matter? Nobody's going to get mad. We recommend that to everyone. We recommend the wife has her own account to do whatever she wants. The husband says no judgment. Nobody cares, but it's nice to know that it doesn't interfere with anything. Like Shoshana was saying, she alluded to the fact that we do recommend a couple more spending, but if you can do the one, start with the one and get it out from the bills. And then we like to say that your spending account is where you live in your budget. So don't live in the bills account. You live in your spending account and that amount that you have put in that checking account is your budget to live on for the month, which, if let's say we were to get a little bit fancier, there is like the general family spending account, we could say, and then there's the wife's fund money account and husband's fund money account. Yeah. Let's go deeper. Yeah. So really, we want to have four, probably four check. Okay. Just say it. Just tell us what it is. Go all in. Girl, we love you. Oh, I love you. Go on. Oh my God. Okay. I want one for gas and groceries. Listen, for me as a mom, when I got to the 28th of the month and there was no grocery money, this is like the game changer. Oh, okay. Because I needed to pay this and I need to pay that. And then the kids, so having an account for gas and groceries, that's all it is. And there's a set amount that goes in there every month. And all I have to, if I need gas and groceries, it's right there. Okay. The same, we also want one for him and her. You're, each of you are going to have your own personal spending. You have your own vices. Right. Yeah. And that's, like you said, totally go free. But then you have to have it because he could spend $1,000 with a quick trip in seven days. Yeah. Yeah. Then they're done that. Whoa. It's not a challenge. What's the name? Tell them it's not a challenge. Kobe. It's not a winner here. I was like, how did you even do this? Yeah. Never, we've been like, this is when our money was really starting to be our money. Like, how did you spend $1,000 at the quick trip in seven days? Oh my God. Yeah. So she, Shayna said gas and groceries done, personal accounts done, going out to eat, family fun, restaurants, entertainment, whatever you want to call it. This is for date nights. It's for movie night. It's for goofy golf with the kids, ice cream with the kids. It's for Chick-fil-A runs. It's for all that. All in Florida. Okay. All that. We have a bill of account. We have a spending account, but spending is things that don't have a due date, but they are still things like, Oh, I need to, I don't know. So here's the thing. People get, people think that gas and groceries is a bill. It's not a bill. It's an expense. So that's why we move it over to spending. It's, it's not put into the bills account. The bills account is anything with a due date. That's your auto insurance, your mortgage, your utilities, your subscriptions, your gym membership, it's all of that. Gas and groceries in. So wait, what are the four accounts? So gas and groceries. Gas and groceries. You guys have your own personal spending accounts. Okay. So that's the family fun, which is going out to eat, restaurants, entertainment, whatever you want to call it. And the final one for if you have kids is a kids account. Yeah. Cause here's what happens. Here's what happens. First of all, you're trying to track all of this in one account and it's a disaster. So we want to put money specifically into each one based on what you think you generally spend each month, but that way when you want, when you were planning to go out to coffee with your girlfriends, but the kid comes and asks about the field trip money and then you don't have any money. Now we have had separate spending account for the kids so that they can get the things. And it's what we were talking about earlier. Depending on how old they are, they can manage that themselves. They know they have a hundred dollars a month and they can manage it and you're it's not on you. It's not on you anymore. You just have to worry about spending your own money. And that's a great thing. This is, so there is the bills account, but it's, there's four spending accounts. I love this. So the idea is let's get super complicated. You'll have five checking accounts, but people immediately will be like, oh my gosh, no, but let me tell you the husbands are usually the ones that come to the meetings and they're like, oh my God, this is going to be so much. I can't manage this. And then months three, they're like, this is the best decision we ever made because I clearly know where our money is going, why it's going there, how much we're spending, and I don't have to track anything. The only thing I have to do is pull up my bank app and it tells me the name of the account, because remember you've renamed them in your bank app and it has the balance there. Yeah. And that's all you have to do. There's no tracking required. And it gets better Chelsea. Like when you really dive into what we teach, it actually is better than that. There's more to it. Yeah. But one of the things I was thinking is like 12 year old Chelsea with her little jars and her little different money. It's just the digital concept. It's a digital version of that. It has a bank account with the name that says Chelsea's spending. And then I know exactly how much I have to spend. And if I spend it, nothing happens to my grocery money. I'll still be able to eat and my mortgage will get paid and it's all very clean and organized. I honestly love this. The day that we just do it on for my husband, we just did it on Venmo because we did this all around the time. Venmo was being Venmo and you could have a Venmo debit card. And he just knows that when he gets paid every other week, because then it's his money, like he feels like, oh, I worked for this. Helps us manliness because he did not grow up with that whole sense of provisioning thingy. And so he loves to be able to just deduct his little spending money. And so now we're working on, you don't actually have to, because there was a years where he was going back to school, so he wasn't working. So now that he's back working again, I'm like, remember, you don't have to spend it all. Cause we recently increased, we resided, we resided a little bit, I'm like, we don't just spend it all. You could, but it's there. You're like some of our clients, they come in and it's almost like a competition who has more money left in their spending accounts. At the end of the month. Because they're like, and honestly, I love them to want to win that competition. Truly, it's because they're both looking at the numbers together. It's like the first time that they've done that. And having this organized naturally, and then you start having your savings buckets as a different account or does a different conversation. But knowing, knowing that your money is going to your actual goals, not a quick trip or whatever, that naturally makes people spend less. Like all by itself, we don't have to do anything. It's just naturally, oh, I'd rather go on that vacation. So I'm just not going to spend money. It's like my husband, I think it was like two weeks ago, he said, Hey babe, why do you have twice as much money in your spending account than I do? And I said, because I don't swipe my card every time I go to the gas station. And he was like, Oh fair point. Dude, what do dudes in the gas station mean? Like they're just, they. Yeah. But I'm like, wait, he doesn't care. He was just making a joke, but it's like, he gets to spend on whatever he wants. I get to spend on whatever and nobody cares because, but like Shane, as you said, but in everything else is taken care of, you're in your goals. You're watching your net worth increase. Your bills are being paid. You have money for gas and groceries. You still have money for date night. Like it's all working. I love it. I absolutely love it. Oh, I'm so obsessed with you guys. You're so cool. This is so hard. Yeah. Thank you for having a friend. Okay. So what in closing, what permission do you want to give to that woman that's listening to this going? I don't know. Maybe it's a woman who's, I think I've maybe got it figured out, but not quite. Or I wouldn't even know where to get started or I'm too ashamed or I'm already drowning. How the heck am I supposed to hire someone to help me figure out my finances? Which I'm like, girl, I bet they'll find your subscriptions. You know what I mean? Like the subscriptions alone that you don't know that you have that y'all are going to help them have awareness about probably will pay for you. Yeah. You probably pay for yourself pretty quick, hey? Oh, for sure. I think on average, some of our clients are paying off between $30,000 to $50,000 in six months when they actually start looking at what's going on with their money. Dope it. Yeah. Oh my God. Pretty substantial progress. Even single, like I had a single lady. She paid off. Gosh, I think it was almost 30 to $40,000 in debt in six months just because we saw the numbers she got to work and she knew what she wanted and she achieved her goals. It was huge. I'm obsessed. Okay. What permission do you want to give to that woman to just be like, come on? Yeah, just be okay with, you don't know what you don't know and that's totally fine. And that's understandable. We had one of our first clients. She was a, about to be a million, a net worth millionaire CPA or not CPA, financial advisor. And she was like, I feel ashamed because I should have already known this and we're giving you permission. You don't already know it. No one taught you. It's way harder and more complicated than any of us ever thought about when we were counting pennies in our jars or whatever. And so just give yourself permission to learn this, to give it a minute to get good at it and to be able to own your numbers. That's one of the big things that our clients like, they know their numbers. They feel good about their numbers. They feel in control. They're not losing sleep anymore. They're not anxious. And that's what we want. And you can do all of this without tracking every expense. That is the biggest part. And I think that's the biggest way off people's shoulders. They feel like they have to track things. Come have a bestie in your corner. Come have somebody see it in a different way, a different light and allow you to be able to have the freedom to spend because that's really what we want for you. Yeah. And I'm thinking to that woman that goes, I don't even have time and I'm like, you don't have time not to. Exactly. Cause in six months, like if in six months, are you going to do anything to change it? And if the answer is no, then you're going to be right back to where you are, or you're just going to be sitting there, wishing that it could be worse. And when you could have in six months made a complete change and your finances and your, the trajectory for your future. Yeah. Nothing changes until nothing changes in like what the pain of remaining the same. That's a pain of change. And I think the one that somebody else says is you're sick and tired. When you're sick and tired of being sick and tired, that's when change happens. Belief. Yep. Love it. Oh my gosh. Y'all are the best. Yes. We have all the goodness from them down in the show notes. You can go to their website. Is that where they book a discovery call? Whatever. The budget. That's. This. That. Comfort slash coaching. You don't have to sing it. That's optional. Yes, but you could. Cause you don't think it were you at your discovery. At your discovery coaching appointment. Oh my gosh. I, I'm so obsessed with you all. This was so great. Thank you. You guys are, I feel, I sort of like, oh my goodness, I've been up since two AM with the weirdest financial anxiety on the day that I'm interviewing you people. What in the heck is going on? But I feel like you guys brought so much fun and excitement that now I can go days on days. I'm so excited about this. Go to the show. You're on a financial high right now. I am on a financial high. You know why? Because when you learn more financial tools, you just feel a little bit more controlled of life. You're like, okay. Yeah. Little better handle on things. Better handle on things. Going to sleep better. Definitely not going to wake up tonight at two AM. So thank you all for reaching out. Thank you all for coming on here. If you make good money, but have nothing to show for it, this quiz will help you figure out what's really going on with your money and what your next step should be. You'll get a personalized result and a simple action step to help you feel more organized and less stressed. Go to budgetbesties.com for slash quiz and take the free quiz today. That's budgetbesties.com forward slash quiz to find out what's really going on with him anymore.