In this enlightening episode of "Money Talk With Tiff," hosts Tiffany Grant and Clifton Corbin, along with financial experts Gabe Walters, Deb Meyer, and Kelly Sjostrom, answer listeners' burning questions about personal finance, investing, and family budgeting. The episode serves as a powerhouse of actionable advice tailored to inspire and educate on achieving financial wellness and generational wealth.

Live video: https://youtu.be/B7KV9MT7SFg

Key Points Discussed

• Budget Nirvana Course: Tiffany discusses the importance of money mindset and practical tools for tracking and budgeting.
• One-Page Financial Plan: Gabe Walters breaks down how to build a simplified financial plan that aligns with personal goals and offers steady support through his platform, Steady Worth.
• Holistic Financial Planning: Deb Meyer speaks on the nuances of planning for families and small business owners and the need for tailored financial advice.
• Raising Generational Wealth Summit: Hosted by Clifton, this online event features over 20 experts discussing key strategies to foster financial literacy among families. Visit the site for more information.
• Practical Financial Experiences for Kids: Tiffany shares insights into teaching kids about money through real-life practices like checking accounts and sale shopping.
• Importance of Financial Communication: The episode highlights the necessity of open discussions about money within partnerships and families to foster a supportive community.
• Aligning Values and Spending: Gabe emphasizes matching spending habits with personal values, highlighted by practical examples including lifestyle choices like minimalism.

Join "Money Talk With Tiff" on your favorite podcast platform. Don’t forget to subscribe and leave us a review if you found the insights valuable! Engage with us on our social media (@moneytalkwitht) for more updates and in-depth discussions about personal finance.

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Copyright 2024 Tiffany Grant

You know what it is. That's right. It's time to talk money with your money

nerd and financial coach. Now tighten those purse strings

and open those ears. It's the money talk with Tiff

podcast. Hey,

everyone. I just wanted to say that this is a special

episode of the Tiffany's take. Tuesday,

I went live with three, four

other personal finance creators

and influencers, and we did, like us, any, anything

roundtable as part of the raising generational wealth

summit that happened last week. If you didn't get a chance to check that out

or you're not following me on social, first of all, go ahead and follow me

on social. And then second of all, I'll make sure I have a link to

that summit in the show notes. Although it's over, they still have the

replays available, so definitely check it out. I had a

session on your money mindset, which did very well.

I've gotten a lot of positive feedback about it, so I hope that you check

it out. But without further ado, I am going to play you the

replay from the xs, anything, because it's full of gems. So,

yes, this episode is going to be a little long, not like our usual

shorter episodes, but I promise you will learn something. So

enjoy. Right. Hi, everyone. How's. How's it going?

I'm super excited to be doing this, and I need to get my

setup going here. I want to

thank the three of you or four of you, pardon me, for

popping into this live. I wanted to do. Man, I wanted to

do this live so badly, and I was like, I don't know if there's going

to be enough capacity. I don't know how this thing's going to go. Being the

first summit, you know, you never know. You just never know how things are going

to go. But I knew I wanted to have a live component. I knew I

wanted to have you folks at this thing because I know the questions that

are coming, they're coming for you. We've got our money mindset person, Tiffany

Grant. Tiffany, do you want to do a quick intro? Yeah, sure. My

name is Tiffany Grant. I run money talk with TIFF, which is a financial education

platform in the form of a blog and a podcast social media

presence. Try to make money fun. So, hey.

All right, so that's Tiffany Grant. And then we've got.

We've got Kelly here as well. Kelly, do you want to do a quick intro?

Yeah. Hi, everyone. My name is Kelly Shostrom. Kelly shostrom.com

dot. I also have a podcast called budgeting Period. And

educating folks on mainly the beginning parts of personal finance,

budgeting, and how to perform your dream life.

Amazing. And we've got our man Gabe in the house. Gabe, you want to do

your little intro, please? Yes. Hello, everyone. My name is Gabe

Walters with steady worth@steadyworth.com. And we do

financial planning, so we help people build a one page financial plan. And our

whole goal is to one make money fun, but also just to make you more

hands on with your money. So we want to have you more hands

on so that you can be navigating to living the life of your goals.

I love it. And our lovely Deb. Deb, can you do a quick intro

for yourself, please? Sure. Hi, everyone. I'm Deb Meyer.

I'm the founder of Worthy Nest, where we help parents build wealth in

alignment with their values. So I'm a certified financial planner,

and I've been helping families for many years navigate the complexities of

building wealth, but not doing it in a worldly

way, but also kind of thinking about their values, especially christian and

catholic values, if they're trying to align those

more thoughtfully with their finances. I love that. I love that.

So, yeah, we've got, you know, we've got this open panel. I put out a

call for questions to see if anyone had any questions. Nothing's really popped up. So

this means I get the opportunity to ask questions, which is what I always love

to do. So yesterday was our day one of the summit. It was

our money mindset day. I wanted. And I told Tiff when I reached out to

her, I'm like, tiff, you are my, you're my number one. I need someone who

has a money mindset angle to kick

things off. And, Tiff, I won't lie, I watched some of your session yesterday. I

watched with my daughter, who's ten years old, and she was so into it. And

I wish I'd take a picture of her watching your session, because that

warmed my heart. And I just wanted to say one, thank you so much for

doing that. If folks haven't caught that session yet, it's still available for, like, I

think, another 12 hours or so. Tiff runs a masterclass. She basically runs a

masterclass on shifting your mindset. So, Tiff, I just want to kind of

open it up to you a little bit and just talk a little bit about

why that's so necessary, why we need to focus so much on mindset when we

start talking about money. Yeah. So mindset. So

everything starts with mindset, because in all actuality, money

is just a tool. And so everything that we do with our

money all starts here. And so if you don't have that

mindset right, or, you know, if you are,

you know, there's so many different things. You're dealing with financial trauma. You're dealing

with, you know, just being in a struggling

mindset or anything like that, it really hampers your

creativity and your ability to start using money as the

tool that it is. So in my philosophy, money is just

a form of energy. And so when we use our money, we're just exchanging

energy. I love that. I love that so much. And

honestly, your session, like I said, I was watching it with my daughter, it really

breaks down. Not just like it's. And this is why I love this summit so

much. We could easily just go through and say, this is what, you know, you

should be thinking about or what have you, you actually walk through ways to help

people, shifting that mindset. And I'm so grateful for that. And

your session, like I said, it's powerful. It's super, super powerful. So for folks who

haven't checked that out, go and check that out. But one of the things I

wanted to make sure what we were doing is we're getting into the nitty gritty.

We're actually doing things that help us move the needle with our

personal finance. Which is why I started today off having

Gabe as the first session, because I feel like once you get your mindset

right, once you could start thinking about it. Now you need a plan. Right now

you need to know what to do next. Which is why I had Gabe from

study worth coming. So, Gabe, can you just talk a little bit about why that

plan is so critical to getting your. To reaching those

goals? Sure. You know, I always equate a financial plan. I say,

you know, if. Imagine if you. I live down here in South Florida, like in

our. The biggest mall by where we live at is Aventura Mall. And I say,

imagine if you walk into Aventura Mall, this huge mall, and you say, hey, I

want to go buy foot locker, but I also want to grab a cinnabon. And

maybe I want to go to Old Navy as well. You know, the first thing

you're going to do if you go into this huge mall, if you, you know,

if you're not familiar, and I'm definitely not familiar with it at all, you have

to go to the marquee. And the marquee on the marquee, you're going to basically

find that you are here. And from there, you're going to plot all the different

points in the mall you want to go to. And I see, you know, building

the financial plan looks as the you are here point. It allows you to lay

out everything that you have. It shows you exactly where you're at, and then it

shows you what are the best parts to plot to your next points, which

are your goals that you're looking to accomplish. And so, you know, so many people,

I feel like, you know, they come, they're like, hey, I want to invest or

I want to do this or I want to do that. It's like, hey, let's

first organize your goals. Let's see where you're currently at and see what's the next

current step for you so that you can get there in a strategic

way. I love that. Thank you for that, Gabe. And then the other part

of it, and I think this is the part that it trips up a lot

of people. And this is, again, why I needed to have all of you folks

here. It's once you've got that plan, once you've got that place,

that thing in place, the part that usually comes up next is, okay, well,

how do we reach it? What's the one tool that can actually measure the

inputs and outputs to get us to where we want to go? And then we

get that b word, right? And that b word is budgeting. And people get freaked

out when they hear budgeting. They think, oh, this is what's going to keep me

from doing and spending and all the things that I care about. And I see

you there, Kelly, and I'm coming to you there, Kelly, because we really need

to focus on the budgeting piece. And I'm going to have some specific questions for

all of you in a moment. But I just want to do a quick little,

you know, this is how we get from point a to point b. So, Kelly,

tell us a little bit about why that budgeting piece is so, so critical.

I don't know about you guys, but I'm still thinking about Cinnabon from whatever.

Gabriel. The second he said that, I was

like, how do I make that my reality? No, but you're

absolutely right. And I have a course that goes through,

and I don't do enough of the other things that Gabe and Tiff were

talking about because we all are our own experts in our own areas. Right? But

the budgeting piece is where I really, like can shine. Because

once you figure out the, once you get your mindset right, that you can, you,

you believe in yourself, you know, that this is just truly an energy. I believe

that as well, Tiff, and that you can actually make progress

and you forgive yourself for your past traumas. Then you got to figure out, okay,

what are my goals? What's my north star? What do I want to do with

my life? That's what Gabe was kind of talking about. And then my piece is,

well, how do we actually do it? How do we not only build that, beware

that budget, but how do we make sure that we're tracking our expenses along the

way so we know for following this plant plan? How do we make sure that

as life happens to us, we have a baby, we buy a house,

somebody's income changes? How can we make sure that we're constantly working in

that spending plan, reassessing and opening communication with

our partner to make sure that we're staying on track and that we're

getting all of our questions answered, kind of as life hits us. I

agree with you. And then the last part that I wanted to talk about, and

this, I think, is so critical, and I'm. You know, this event is an event

for parents, right? Like, we can't. We can't talk about all of these things. One

of the goals that we need to do is basically preparing our kids and being

prepared for all eventualities, which is why, Deb, I'm so

grateful that you're able to come and talk about what you're talking about. And I

want you to get into that as well, because we. We, as parents, we need

to be doing two things at once. Right? We need to be preparing for ourselves

while we're also getting ready to, you know, help our. Help our

kids launch into adulthood. And if there's anything that happens to

us, we need to make sure that we can pass on whatever we were able

to build onto them. So if you wouldn't mind, Deb, just talk a little bit

more about what you do. Sure. Yeah. I work with

families one on one as a financial planner, so really helping them. Once

they've gotten the foundation, they've done their budgeting well, they have their

mindset right. They're harvesting that abundance mindset that TIFF talked

about and really trying to get them moving from a place

of, okay, we have this extra cash flow

at the end of each month. We've managed our bills well. What are the next

steps? What goals are we going to be saving towards in the future?

So one important piece of that holistic financial

planning process is escape planning. And that's actually what my session is on

today. It's really just knowing that you have a solid plan

in place. If something were to happen to you, whether it's a

disability, unexpected, or eventually, if you, you know, end

up passing away, how are your loved ones going to be taken care of? And

I know it's a very morbid topic. It's not something fun that most people want

to be thinking about. But I mean, the sad truth is a lot of people

don't have estate planning documents. And if they don't and something

does happen, it's really hard for

you to go through the probate process and have all of

these unanswered questions from family members that are

remaining. It just solidifies the process.

So I'm not an attorney. I'm not trying to like, make an extra buck

getting, getting estate planning work

done, but I am a holistic CFP and

financial advisor that really does focus on trying to make sure

families are protected. And part of that protection is

really just looking at the estate planning aspect

and I. So the reason I sigh

there is that you're right. It is so hard for us, especially

as parents, to think about, you know, these potential eventualities

that aren't pleasant to think about. But there's so many,

pardon me, the things I say is, you know, we, we have to do the

hard things, right? We have to lean into the hard things because that's what gets

us to the hard places, the places we want to be, right. If we want

to leave generational wealth, then we're going to have to do a little bit of

sacrificing. We're going to have to do a little bit of planning. And if we

want to make sure that our kids are prepared, no matter what eventuality may come,

then we also have to make sure that we're thinking about all the potential

eventualities. So, Deb, thank you for that. So I'm going to get into a few

more specific questions, one that came up in the Facebook group.

So for those who aren't already aware, this is the raising generational wealth.

Ask me anything live. So, the

raising generation of wealth virtual summit. I should have done this in the beginning. The

raising generational wealth virtual summit is a summit to help busy

parents get comfortable talking about money, teaching money,

raising generational wealth, and then hopefully passing on some of that

knowledge and wealth onto their kids. It's an event that's happened over

three days. Day one was yesterday. We're in the middle of day two. Day three

is tomorrow, and all of the presentations are on demand and

they're virtual. So if you want, you can jump onto the website raising

generationalwealth.com sign up. It's 100% free.

We've got over 20 speakers who are all donating themselves. These are four of our

expert speakers right here. They're all donating their time, their expertise to

help us get better with our money. So hopefully we can also raise

the generational wealth of our families and our kids and our kids families.

So getting into some of the questions that I saw up in the Facebook group,

one of the ones, and I'm getting back to you here, Kelly, was about budgeting

and how do you make budgeting work for you? And I know you, and I've

had these conversations in the past, but I wanted to have you kind of speak

about, like, how do you make budgeting work? Because I know a lot of folks,

they try it, something doesn't work, and then that's it. So

what are your, what are your thoughts there? What are you thinking, Kelly, when it

comes to budgeting? And I'll open this up to everyone in a moment as well.

Yeah, I'm sure, you know, seeing a lot of these folks at conferences as well.

We all have opinions on budgeting and how to do it. And so I'm curious

to see what others say, too. But when you said, how do you make budgeting

work for you, that was kind of the key phrase there,

because I can't just tell you about this app that I use, and this is

what my husband and I do, and because it is truly up to you and

how what works best for you and your family. And so what I would say

is, keep trying things until something starts to feel like,

okay, this is possible, right? And I would say, don't

give up. Don't lose faith because something doesn't work the first time or

two. This is, you're reversing an

entire system mindset that you've done or

avoided your entire life. And all of a sudden, overnight, you're like, I'm going to

start being a budgeter, and it just doesn't work that way. Just like I'm going

to start working out every day. It takes some time and it takes some commitment

and some practice with all of that, you know, you can do, there's

different apps out there that you can sign

up for that you can actually keep track of all of your categories within those,

whether it's an app, you can also use the spreadsheet. There's Excel has free

templates. I have free templates. I'm sure half the people on this conference has free

templates. No excuses. Where you don't have a spreadsheet, there

are spreadsheets everywhere. And you can also use a good old fashioned envelope

system where it's just plain cash and you have it in envelopes. And that way

when you walk into the grocery store, you know exactly how much money you're playing

with. All that aside, whatever method you

decide to use, you can do a combination of it. Maybe you only have cash

for restaurants or things that you overspend in. Maybe you want to use an app

just to kind of keep your high level strategy, you know,

tracks. But you want to make sure that you have an Excel

spreadsheet for the day to day expenses, whatever it is for you and your family,

whatever technology feels right, whatever you kind of normally

gravitate, I would say start trying that right away. And then when

you find that you're messing up or that you're not able to stick to

something, truly have a little bit of introspective conversations and

figure out what's causing me to, quote unquote,

fail. Do I not have enough reminders or am I not

setting up systems in my household to make this automated

and have conversations with your spouse as well? Because you want to make sure that

you're both on the same page. Oh, my gosh. There's so

many parts that I want to pick. It's so good.

Everything you said was brilliant. Everything you said was brilliant. I'm going to pick up

on a few points. You mentioned. Cash envelope budgeting for folks

who've registered for the summit. I've got, one of our sessions is

with Shane Walker. He is the CEO of

Cubemoney. It's a digital cash envelope budgeting system.

He's giving away 60 days free just to try it. And apparently,

like, with that system, you're. They're almost, they're saying you'll

save, like, hundreds of dollars just by giving it a try.

I've seen it. I love it. I think it's a great, I think it's a

great app. You're right. There's, there's so many. You could do paper

and pen. You could do spreadsheets. We have worksheets in the.

I think it's in the goody bag or somewhere. I know it's somewhere. I know.

One of our speakers, Jess, has offered, you know, a budgeting

template. I know in my course I have a budgeting template. There's so many

around there. You just have to find what works for you. Like, there really

is a trial and error thing. Until you figure out the thing that

works for you. I know some folks, you need a budget, and a lot of

people love it and other people hate it. So it's really about finding the thing

that works best for you. And then you also touched on right at the

end, you need to kind of shift your mindset a little bit. You talked, you

said the words. So I'm coming back to you here, Tiffany. What are

some things you can do? Let's say you start using a

budget and you're like, this isn't working for me. And then

what are the things you need to do internally to say, okay, I'm

going to either stick with this or I'm going to try something else. And actually

accepting this is something that I think will be good for me. Is there something

that we could be doing? And I just realized I got my name here. It's

Kelly. Is there something that we could be doing to help

people start making those shifts of mindset?

Yeah. So one thing I went over in my session

was looking at budgeting as giving you permission

versus restricting you. So budgeting is my jam as well. I love

it. But that's just one example of how you can make it

easier to stick to. And I used the example of dieting. So if

you say, oh, I'm gonna lose weight or I'm gonna feel healthier and I'm

gonna diet. Right, so diet has this negative connotation, kind of like

budgeting does. But if you look at budgeting

as, oh, this is actually going to give me permission to do the things that

I want to do in life, or you look at dieting like, oh, this is

going to allow me to live a longer, healthier

life. And you flip that perception from a

negative to a positive, then you're more apt to use it and then

also realize, like the other speaker said,

it takes time. So I tell people it takes a good

two to three months to get your budget right and get it to a point

where you can stick to it consistently. And I usually start

people with tracking, so don't even go into the full

budgeting process to start off. Just start tracking what you're already

doing. And honestly, that usually helps people

kind of curb their spending in some ways as well. So you can always

ease into it and just go at it slowly, slow, go at it

at your own pace, and you can look at what other people do,

but don't think that that is what you have to do. There's so

many different ways to do it. Thank you for that. So one of the

things that I wanted to

when it comes to personal finance, it can get. It could feel complicated. I'm not

saying it is complicated, but there's a lot of pieces, right? So

when it comes to making sure we've got our money, right, how do we

make all this fit? So, Gabe, I'm coming to you. And then, Deb, I'm going

to come to you because you guys both kind of talk about planning and putting

these pieces together. So how do you take

a budget and a financial plan and marry the two to

actually meet your goals? And like I said, I'm just going to come to you,

Gabe. And then Deb, you're right up after that. I think, you know,

Deb kind of touched on it a little bit. She was like, you know, as

a CFP, you know, things we talk about is like, holistic financial

planning. And so that kind of like, that holistic financial planning is

touching on, I would go as far as to say, as many little plans

inside of a big plan. So I kind of see that that financial plan is

kind of like that bigger plan. But inside of that bigger plan, you have your

estate plan, which is a smaller plan. Inside of your financial plan. You have your

tax plan, which is a smaller plan inside of your financial plan, your budget, which

is your spending plan inside of your financial plan. You know, if you're managing

debt, that also has a plan inside your financial plan, insurance. And so,

like, the financial plan is kind of like your master plan, then you have these

smaller components which make up this holistic financial plan. And

so I feel like, you know, as you're clear, but it all kind of, everything

is tracking back to your goals. So kind of, like, as you're clear on

those goals, then you're able to marry all of these smaller financial plans

together. And as I believe it was tiff who just said it, talking about,

like, equating budgets to working out or to

dieting, you know, like, all of a sudden, if you're clear

on, like, hey, these are my goals that I'm trying to accomplish, it makes that

budget a lot easier to accomplish it. You know, like, it's like, hey, I'm trying

to have a six pack this summer at the beach. It might make not eating

ice cream last night a lot easier, which. That actually didn't work for me because

I did have ice cream. Full disclosure.

But, you know, so. But, you know, as you're clear on that thing, then it

helps marrying these smaller plans together, because these smaller plans are

actually working together for this bigger picture that you're hoping to accomplish.

And, Deb, what are your thoughts there? Yeah, I mean, I think

Gabriel hit it on the head. It is part of that comprehensive planning process

when you have all of these kind of multiple facets. But I

would say even when you're just trying to look at your budget, kind of see

at the very beginning, okay, do I have extra cash at the end of each

month? That's question number one. And if I don't, understanding,

okay, do I need to increase the income? Do I need to decrease the expenses?

Or a combination of the two? And just starting off with that simple

realization now, hopefully you're in the black and you

have extra, and you're like, okay, now what do I do in terms of

actually saving that? Do I put it into a short term

cash, I call it opportunity fund, or do

I put it into something more long term, like college education

plan or a retirement account?

Like those kinds of questions. That's what

planning process. So we're always at that evolution of

trying to understand exactly where your goals are, where your

objectives are, and crafting a plan specific to you that

we can move forward with. And knowing that life changes along the way

and different goals are going to arise. It's not,

obviously not stagnant. That's change is one certainty of life.

So just understanding that over time, it's going to evolve. And being able

to come back and talk with a trusted advisor is really

important if you're trying to make some measurable impact on your long term

financial goals. I love that. So I'm going to switch gears a bit.

One of the things summit is, like I said, it's for parents.

So my thing is all about teaching parents how to teach financial

literacy to their kids. There's a question in the Facebook

group about how do you help teach kids financial literacy and how do

you teach them financial concepts. I have some answers for that one. I have some

things I want to add to that comment, but I'll open it up to the

four of you. Is there anything that you, anyone wants to add to

how you can help get some financial literacy into your kids?

I'll go first because I have the littlest opinion,

so I'll go first. And I always, when I speak with people, tell

them to find somebody that teaches you about your money and your

kids, because there are so many opinions out there about, like,

allowances and whether you should pay your kids just to breathe or they have to

do something for it. And I think, I think there is

no technically wrong answer. It kind of depends on, you know, what, what your

strategy and what your long term goals are. But I will say that they just

need to be a part of the conversation. So whether or not you give them

an allowance or whether or not they want to, you know, spend

money at the store, they should be involved at an age appropriate level, of

course, to know, hey, we're not buying this, not because we, quote

unquote, can't afford it, but because it's not in our plan or, hey, we have

this money to spend, let's do something with it. And of course, it's really important

to make sure that they're on the same page as the rest of the family

for spending money, for saving money, and for donating

money. And so how you get them involved in these conversations is where I

would lean on some of the experts, but it's absolutely critical that they are part

of the conversations. I agree with all of that. And then

I will jump in here just as a, if I can, because I haven't said

much. I've just been chatting with you guys. But when it comes to

helping teach our kids about financial literacy, Kelly, spot

on. Getting them involved and being open and

honest and being willing to have these conversations with them and

talking to them and letting them know how money works

and what we do with our money, how we get our

money and all of these pieces of money, I think it's critical that

we tell them that. We actually let them know, well, what is money?

How does it work? And that's for the little ones. And as they get older,

we want to give them opportunities to use it. The more they have a chance

to use and practice using money before they need it, the more

chances they have to learn and gain all the experiences that they need, or as

many as possible, so that once they do become young adults and they have to

function in this world of ours, they have the skills that have been

established through you as their coach and their advisor right beside them

so that they can start moving into, like I said, into adulthood with

success. So when it comes to this one, and I have a session on day

three, actually, there's a bunch. Day three is really about. This is when, you know,

when it comes to, like, helping our kids learn financial literacy, day three is when

it kind of blows up, because I'm talking. I've got Dan sheiks. He's going to

talk about financial independence for young people. We've got Rob Phelan, who's going to

be talking about how to help young people learn about becoming

young entrepreneurs. We've got Maya Corbeck, she's amazing. She's going to

be talking about teaching young people about investing. Got Will Rainey. He's going to be

talking about how to get kids to understand the rules of wealth and how to

follow them. And that's not to mention all the stuff that's already come up. So

if you register to day for the virtual summit for the raising generation of

wealth virtual summit on day one, we had David

Delisle talking about money mindset and only buying your awesome

stuff. We had a few speakers who were talking about

becoming financial role models and becoming, teaching kids to grow

up with a wealth conscious mindset. And that's not to mean being

about getting more and acquiring more, but just being aware that wealth is

necessary to move forward in our world with the options

that we all kind of want to have. So there's so much value here. So

for folks who are interested in helping their kids learn about money, there's a

lot of that in the summit as well. So you can register, there's a QR

code on the screen. You can go to raising generational wealth.com and

you can jump into the summit. The, like I said, day one, some

summit presentations are still available for another twelve or so hours.

And day two is on right now and day three gets released tomorrow. And I

think, tiff, you said you wanted to add to this as well.

Yeah, just to continue the conversation. I totally agree

with, including your kids. I know when I grew up, it was a household where

I wasn't included on anything, so I learned nothing. And so I

make a conscious effort to make sure that they are involved with a lot of

my decision making and stuff as well. So to give you an

example, when we used to go to the grocery store,

anytime they would ask for something, I would say, well, it's not on sale.

Right? So after a while, they wouldn't ask for anything unless

they saw the sales sticker. So that was teaching them, like,

I am being conscious about how much we're spending. I only like to buy

things that's on sale, so don't come to me unless it's on sale. So then

they started getting smart and doing that. And then also, you know,

I also grew up where, you know, you get asked the question, do you have

McDonald's money? Well, now I can't do that with my kids because

they will tell me, yes, you can use my

money. And I make sure that they are well aware of how much they have

in their account, how much they have spent. And even

with my teenager, my oldest son when he

first became a teenager. So at 13, that was part of like

his introduction to teenage years. I took

him to the bank and he opened up a checking account, got a debit card,

and then I made him look at his statement every month, like, well at

first made him do it because he didn't know. And then now he looks

at it every month to make sure everything is flowing as it, it should. I

let them know about what their investments are looking like. They're five to

nine and they're like, oh my gosh, like that's how much money I have.

And so, you know, just keeping them in the loop on all of these different

things I feel is helpful for them in the future. I mean, time will

tell, but hopefully they're listening. No, it's true. And

I've done similar things with mine where, you know, I've got their education

account opened up and not all the time, but on a semi regular

basis. When I look at it, I'm like, man, that's a lot. That's more than

I've got right now. So I'll point, I'll show to him, I'll be like, this

is what you've done. And now my son, because he's been around me and

he's of similar disposition to I am or

I was, he's very curious about money and he's curious about investing.

So he started to, you know, through me, through my

brokerage account, he's bought a few investments of his own. And it's because

he's seen me talking about it, he's heard me talking about

it, a lot of the books that our speakers have. So I mentioned

Maya Corbeck. She just released a book called from Piggy Banks to Sock. He saw

that and he got super invigorated to buy more investments.

He heard about Dan Sheiks talking about retiring in your early twenties and

thirties and hes like, wait, what? Thats a possibility. And I was like, if you

get your stuff together, its a possibility. And he got super hes like, so how

much do I need of my allowance? So I need to save to get a

down payment so I can start house hacking. Going to be twelve next week. Like

this is a twelve year old talking about house hacking. So it's possible, but we

need to introduce these concepts to them so that they know what's available to them.

I'll take it back to like when I went off to school or when I

was about to go off to college. Like I took the

opportunity that I knew was available to me. But I knew such a small

subset of all the possibilities. Had I known there was more opportunities,

there's more things I could have done. I might have taken something else, say I

regret any of my choices. It's just to say having a wider

breadth of knowledge of options really can help our kids

start to navigate this world a little bit more deeply. So I was going to

take it to another. I'm going to take it to another question in a moment,

but did anyone want to add to that? Because if we're talking about kids and

money, I'm all over that. I don't ever want to get off that subject. Does

anyone else want to add to that? Sure, I'll add to it. I was

just really enjoying when you and I had talked on my

podcast episode and you were talking about just making it

relatable to your kid, because all kids have different interests. I mean, I have three

boys. They range in age from nine to 14.

So different money stages, but even just the things that they're

interested in today. One's more athletic, one's more into

piano and music, that kind of stuff. Another is into video

games, like just figuring out in the money conversations that you're having,

okay, what's really going to resonate with them. I think I posed a question to

you about investing because I was like, all right, I have a 13, or, I'm

sorry, 14 year old and an eleven year old that are both interested in investing.

I'm not going to be having the same conversation with them, though, about investing

because they're interested in different things. One of them's really into playing

Pokemon with his friends. So talking about diversification from a Pokemon

card perspective, and then the other that's more interested in video games, we

can chat about. Okay, you don't want to keep playing the same video game over

and over, unless you want to become, you know, a master at that. You

probably want to play some other video games from time to time. So

just teaching that concept of diversification, I thought that was so

valuable from our conversation earlier and just really

hit home for me. Yeah, like I said, if you want to talk kids and

money, I'll talk about it all day long. I wrote, that's why I wrote the

book on it. Your kids, their money. So for folks who are interested,

like I said, all of these speakers have amazing content. I'm not stopping the conversation

here. I just want to give everyone a quick, a quick roundtable

again. So we've got money talk with TIff. We've got budgeting.

Budgeting period podcasts with Kelly. We've got

the worthiness with the mayor Meyer, and we've got

steady worth with Gabe Walters. And all of these speakers are just

fantastic. So follow them. I'll keep popping up their Instagram handles on the

screen when I can. All amazing at what they do. So I just want to

make sure I call that out. But we did get into a question on

the, in this, the Facebook group. So again,

this is the raising generational wealth virtual summit ask me anything session.

And in the virtual summit Facebook group, a question came up about

overspending. And one of the folks there, you could tell that

she, she was feeling it, right? She was feeling the pressure of, like,

overspending. And how do I stop overspending? And I'm not calling out names. I just

want to kind of address that question. And one of the sessions, I think, that

really talked to it was the money mindfulness

one by David Delisle. His session was day one, and he kind of

talks about it, but I wanted to bring it up in this form as well.

Deb, I think you might have something you wanted to add to that. So I'll

let you start it off. Yeah, I think for anyone, then when

they're thinking about the spending decisions that they're making,

it has to be in alignment with your values. And from a values

perspective, if you haven't really sat down and thought about what

your core values are and if you're married, what your spouse's core values

are, trying to come up with those and just understanding, okay,

is it family? Is it health? Is it

faith? Like, what are the things that drive the majority of

your decisions? So finding that values consistency is going to be really

important before you really analyze the spending decisions. And

then once you have kind of the top two, maybe

five core values identified, just asking the

question when you're overspending and you see, okay, I budgeted this and

I have this as my actual spend. It's significantly

different. Say, is this a reflection of the values that I've

chosen? Yes or no? And oftentimes you

can find, okay, if you are way overspending in a certain

category, and you say you value a minimalist

lifestyle, but you're overspending on Amazon, well, I don't know.

I mean, most of the things Amazon sells are more

physical items that add clutter to the house, right? So,

no, it's not going to be consistent with your values, what you're

overspending on, right. So just having that self awareness

around what your core values are and whether the spending decisions you're making

are consistent with it, I think can really

bring to light where you might need to be making some changes and really

modifying that spending going forward. The other big ticket

items to think about too, are like mortgage cars. I mean, if

you don't really care, you know, some. Some people

are very into cars, right? They want to drive a luxury car.

That's a big deal for them. But for most people, it's not that big of

a deal. They're okay driving a mid level car rather than a luxury car,

even if they're earning a nice income. I will say, like,

in my personal experience, we haven't ever bought a luxury car, and we've been

financially smart with our decisions, but it's just not our thing. Like,

my husband drives them, I don't know, six or seven year old Mazda.

And I drive a Kia telleride, which is a nice car, but it's not

like Audi or Mercedes or whatever.

So again, just trying to evaluate, are there bigger ticket

items that maybe you could be adjusting because they're not consistent with what

you really value? Tiff, what do you think about that?

Oh, where do I begin? So I'm

definitely going to go the woo woo route, because just what I do.

But I want people to understand why they're

overspending, too. So in order to change our

behavior, we have to understand we are doing

it and then why we're doing it. So is the

overspending fueled by family? Is it fueled by friends?

Is it fueled by what you experienced growing up? Maybe you were in a

situation where you didn't have much, so now you feel like you have to buy

whatever you want. Is it social media? There's so

many different things that play a part and how we spend our money. So I

feel like that's important, too, to understand where this

is coming from. But also I wanted to add that planning

ahead can curb your guilt. So we all have things

that we're interested in. For me, I spend a lot on technology.

That is my thing, and that's what's important to me. And

so I make sure that I plan, aka my

budget to make sure that I have it there for me

to spend on. So that way, if I see a new technology that I want

to try out, I don't have to feel guilty for doing that. So I just

wanted to put those two things out there. Thinking about the mindset piece as

well. And Kelly, I think you had something you wanted to add to

that as well. Yeah. And this is part of the

resource that I gave for everyone here a part of this summit.

It's a 90 day expense tracker. But as tip was saying, the woo

and somebody, I can't remember who, but talked about, you have to put in

the woo and the work. And so there's a little bit of both coming together.

Right. And so my tracker, the 90 expense tracker, it's free and it

talks about, but where is my money currently going? Because I think a lot

of us on this call, we hear people say they overspend

or they are in denial and they don't necessarily know where all their money

goes, but they don't think they overspend or they are a

minimalist. So why are they so broke? All these different things that we're hearing,

but until you actually have the data behind it, you don't

really truly know what's going on. It truly never surprises

me when I'm working with clients and they, you know, they fill out this 90

day expense tracker. It tells you you have to type in. It's the work part,

right. You type in all of the spending that you've had in the last three

months, and it. It just tells you how it is. So this is how much

you've been spending on restaurants. This is how much you're spending on, you know,

coffee splurges or kids clothing and all these things. And

it's shocker for everybody that's looking at it. Their own

personal spending, where exactly their money is going. And so before you can put

into. Into place where you want your money to be going, I think it's

really important to come back to the basics of figuring out, okay, but where's my

money currently going? And that way, I can alter the path that I'm currently

on. So there's so much

value in this group. There's so much value in the summit. So I

just want to call it out again. So this is the raising generational wealth virtual

summit. Ask me anything question. And really would be taking. Taking all kinds

of questions here. The summit is meant for parents to help

them raise their. Raise their awareness, raise their knowledge, raise their

confidence, and hopefully have a chance to pass some of that knowledge on

to the next generation. All of the speakers that I was able to

get, all of them, every single one of them donated something. So

if you register right now, and I'll pop up the QR code again,

I'll put the summit on the ticker as well. If you register

now, you will be able to get. There's a. There's a swag

bag, a free swag bag that has Deb donated her

worthiness toolkit. I'll let you talk about that in a moment. Deb, just to tell

people what's in it. There is all kinds of stuff, and it's just a swag

bag. You just get that for free. Just for. Just for registering. A bunch of

free stuff for every one of the speakers. They donated a freebie.

So if you go to one of their presentations, right underneath their presentation, you can

click and get, you know, you can get their toolkits, you can get

their. Their workbooks. There's just so much stuff that they're just

giving away that's. That's just for free. That's just for you. That's just for attending.

And the reason is we all be one of our speakers, myself included. We just

want to help you get to the place you want to be. I know I've

been in dark places when it's come to my finances, and my mission is to

help other people not ever have to go there. And I know how hard it

can be to do that. So I wanted to bring all these speakers together to

give them a chance to speak to you. They're live in the

Facebook group answering questions. They've got their presentations that are ready for you

to watch and consume. And addition to that, there's just all these resources that

they've been giving us just to have to help us feel better. So

please register for the summit. There's still two and a half days

worth of presentations coming out, and there's already yesterday's presentations that

are available. There's still more than enough time to get involved. And I hope,

I hope, I hope you just take just. This is one of the times where

I'm like, you know, most times, I'm all about giving. You'll receive. In this case,

just take, take, take, and you will get something. You'll get so much out of

it. So, Deb, I mentioned the toolkit. Can you tell us a little bit more

about it? Sure. So the toolkit is based on my book,

Redefining family Wealth. And just to give a little backstory, I had been working

one on one with clients for several years and then realized that there were a

lot of commonalities among the clients in terms of kind of

digging through this financial planning process, from the basics

of budgeting and debt decisions to

more advanced concepts around saving for education,

not just college education. If you have private school goals as well, trying

figure those in, because obviously those come at another price tag.

And then retirement planning, understanding

the generosity component, if you want to be more generous with money.

All of those things I put into a book a couple of years ago called

Redefining Family wealth. And then the toolkit is actually the

digital version of that book, plus some additional bonuses. So it

has a workbook that kind of guides you through more specific questions on

each chapter. And then additionally, it's

like a nice little guide around more

of a manifesto, almost just around some of the principles

of living in prosperity, regardless of your exact net

worth or number. Right. So anyway, that's a

free toolkit, and it's just for attendees of the

seminar. I normally charge $19 on my website, and I give you the

discount code. It's Jenwealth 24.

That's Gen wealth 24. If you're interested in downloading it

again, normally $19, but that will get you free

during this virtual summit. That's amazing. Thank you so much for that,

Deb. And I, like I said, all of the speakers have donated something.

Their sessions and just their sessions alone are so valuable.

Like, just by attending their sessions. Like I said, Deb or not

Deb, Tiff, your session was a master class. Just helping

people, like, just crush that money mindset

piece. And I love, I love, I love it so much.

Gabe, can you just tell folks a little bit more about, like, what you do

and how people can find you? Sure. Yes.

Well, we help people. We help people build a one page financial plan. And

so there's a couple different ways we do that. Currently, we have a, we call

it our financially fit group, which, whereas if somebody joins the

group, they can build their one. They'll get the access tip to our online course

to build your one page financial plan. You can do that in 54 minutes

or less. And then from there you can, you have access

to me. Certified financial planner for group coaching. Also, my wife is in the group,

and she is over. She's a corporate consultant and bringing, or

she says, a recovering corporate consultant, and she's bringing her experience to,

she works in change management. So kind of focusing on mindset and helping

you, you know, shift change to get into financial

planning. So you can find us@steadyworth.com. If you google a

steady worth is one word because it's one vibe. And so, yeah, we're

at steady worth on all platforms, whether it's Instagram,

TikTok, YouTube, Facebook,

everywhere. Amazing. So before I get you off the

screen, just tell people a little bit more about your session. Like I already mentioned,

like, TIFF session was a masterclass, and you also do quite a.

You do a workshop. You're running a workshop for yours. Tell me about your session.

In our session, we literally run you through our one page financial planning

course. So if you go through there, we'll walk you. So if you watch our

session, it'll walk you through how to build a one page financial plan using

our, what we call our take charge financial planning framework. This is a framework that

actually designed using what I would consider to be the ten

main components that a certified financial planner would walk somebody through to

build a very base level, comprehensive financial plan. We also have a

free giveaway, which is a session with myself. And so in

that being, because if you fill out the financial plan, you might say, hey, what

do I do next? And so if you would like to get our free giveaway,

you can use the QR code to book a call with me, and I'll actually

walk you through what does your financial plan mean? What are some of your strengths

and weaknesses and what might be some things to do next. We're also throwing in

one month of our free membership to our financially fit club. We charge 129

a month for that. But if you would like to, you know, that's also

one of our freebies. So if you like to hop into our financially fit club

for one month, it's a $129 value for you for attending

our session, filling out your financial plan, and booking a call with me. That's

amazing. I'm going to give it over to Kelly just to tell her us a

little bit more one about your session. And I also want you to tell

us a little bit more about what you do and where you do it. Yeah.

And so my session really just helps you understand, like, what

are all the things that have to go into budgeting and getting back to the

basics and personal finance 101 and kind of that laying the

groundwork. And so I think, you know, as we talked

about during this entire stream, it's really easy to kind

of get into our own heads to start something and then quit again to

start investing when you don't even know where your money is going. And so it's

kind of just reorienting you to make sure that you're.

You're kind of following, like, what are the steps that we need to do all

this? And then as I'm kind of, as you watch my session and you see

me touch on pieces, lean on the experts in the room here. So when I

kind of dabble on making sure you're in a positive space

mentally, you know, TIfF has been talking about that a lot. And same with the

financial plans. Once, you know, okay, I want. I want to sit down with

my spouse and I want to build our, you know, our goals

and our financial plan, for lack of a better phrase, they're in the rooms that

are doing that. And so the budgeting piece is, like I said, the 90 day

expense tracker. Where is my money currently going? And then I help you flip

that. Now, where do I make it? Or how do I make it so that

it starts going where I want it to go? And so I've been spending dollar

300 a month on restaurants. I really want to get it down to 250 because

I want to use that extra $50 towards something else. And so, yeah, we get

really tactical, we get really deep into the budget, and I think it's

just really important because that is truly how you can gauge whether or not

you're on track for your spending plans. Amazing. Thank you so much

for that. And so, listen, I'm just seeing in the Facebook group, some folks are

having a hard time finding the actual, actual

live. I'm trying to see if I can support them while we chat. But I

do want to give Deb, you kind of talked about what you do. Can you

just talk a little bit more about where people can find you?

Oh, sure. Sorry. That's okay. I was

trying to stay quiet. Yeah,

I'm available online@worthynest.com. That's

worthynest. And that's

really the hub. I do have the book redefining family wealth.

You can find it there. Also have a free resource for.

It's called the family finance starter guide. So it talks about the top

ten financial facing parents. So

you can find that at the bottom of the homepage. And then,

I guess online as well. I'm pretty active on Facebook

and on LinkedIn, so not as much on Instagram. I know a lot of

people love Instagram here, but just haven't been too active

over there yet. That's okay. So I know that.

I think it was tiff, you just helped me out in the Facebook group, and

I really appreciate that. Quick question for the group.

I. One of the things that I know folks have a hard time with is

just figuring out, like, how to prioritize. Right? Like, what's the

first step when you're feeling uncomfortable with your money? Like, what's

the next best thing you can do when you start feeling

like, I don't know what I'm supposed to do. I'm feeling overwhelmed.

What would any of you say is the next best first step?

I'll open that up to all of you. So,

of course, I'm going to say, start with why you feel

that way. What is making you feel that way?

What is it that you're experiencing? So, like, as an accredited financial

counselor, I deal with clients one on one. And to give you an example, I

have clients that just have financial anxiety. Like, they just don't want to

look at their bank accounts. They don't want to look at anything money related, because

it just gives them that anxiety. So kind of checking into

why you're starting to feel that way, and then

you can start making plans around how to

deal with that. So, for instance, with this particular client I'm talking

about, I know that she has financial anxiety, so we do a lot of stuff

together, and now she's getting to a point where she's like, okay, I can do

this. I can do this. And just having those

positive reinforcements, whether you hire someone, someone or use

affirmations or whatever the case may be,

just checking into that, I think, is the most important

step. Did anyone else want to add to that? Because honestly, it's. I know

folks get very overwhelmed when it comes to finances. And

one of the things I want people to walk away from after this event is

feeling a lot more comfortable, a lot more confident. Like, they know what to do,

which is why I asked, and I think all of you saw it when I

asked you for your presentations. I was like, the last thing I want is for

this just to be theoretical. Right? Like, I want this to be action based. But

I know I, you know, so many speakers with 25 plus sessions, it could still

be overwhelming. So I'm just trying to help the folks who are, you

know, who are in the. In the summit, just, what are they? What.

What would you say is, like, another, you know, first step? Like, what can you

do to get going? And I see you shaking your head there, Deb. Yeah, I

was just going to say at a practical level. And again, this is

a push for the all access pass. If you're overwhelmed just by the sheer number

of sessions, and you're like, hey, great, that there's a lot to learn. Just

understanding that you could, you know, get the all access pass and at least

have that extra leg room to,

you know, watch the videos at your leisure over time. So

understanding that it's not a sprint, it's more of a

marathon when it comes to building long term wealth as a

family, and even no matter where your starting point is, just understanding that

it's not going to be a quick easy process. It's going

to take some time and sometimes hard work and dedication

to reach your financial goals. So again, great that you're

showing up, great that you're taking that first step to really raise awareness

of your family's financial situation and then hopefully foster some

great habits in your kids. But just being okay with the idea

that you don't have to figure this all out today or over

the weekend. I appreciate that so much

because, like, the one thing, like I said, and I was, I was really worried

about it because I know, like, I'm sending in a lot of information and it

can become overwhelming, right. There's, there's a lot of sessions, there's a lot of different

topics. And the last thing I wanted was for folks to feel overwhelmed. So, gabe,

you have something you want to add? You know, one thing that we don't say

this in the session that we usually, and we were usually presenting.

We usually, this is a question that we usually open with, but due to time,

we didn't open our session with this. But, you know, one thing I always say

is, you know, we say, it's like, hey, write down three things that are beliefs

that you have about money. Because a lot of times, you know, even though we're

speaking to parents about educating parents about their children, where

did parents get their education from? Is probably from their parents as well, or

from, you know, growing up in their own household about their

different money. And so a lot of times it's like, you know, we say, you

know, write out those beliefs and then understand, like, are these beliefs, you know,

where do these beliefs come from? Are these beliefs that I want to carry forward

with me? Or sometimes these beliefs are even lies that we've just heard

and we have kicking around in our head that we're walking with. And so just

make sure that the beliefs that you have about money, about your personal finance, is

something that are true to you. They resonate with your values and

that they're things that you really want to continue to go forward with.

I agree with that. And like I said, and Deb, thank you for mentioning

the past, because honestly, the one thing I think might

really make people stumble is if they try to consume all this

information all at once. Right? Because consuming information is great.

It's wonderful to learn all of these different strategies and

these different skill sets, but trying to then apply

all of it all at once, it is too much.

The goal isn't to give you so much that you can't achieve anything.

It's to give you what you need right now so that you can start to

achieve something. So the all access pass dust definitely gives you

that, that freedom and flexibility, which is why I wanted to create it, so that

you can go and come back and, you know, you've got all of the. You've

got all of the sessions ready for you for when you're ready for them. So

that's one of the reasons why I wanted to create that pass, because when I

was creating, I was like, this is gold. But it is a lot. It is

a lot. It's all great, but you need to be able to consume it in

a way that makes the most sense for you. Kelly, I see you shaking your

head there, too. Yeah. And there's so much to unpack here. And we kind of

talked about it earlier where we are unique, unraveling. We're unpacking

a lot of bad habits for some of us,

right, that we've been ingrained, whether our parents

were doing it or we've just been ignoring things for so long. And so we're

not just going to, after this summit, you know, wake up and be like, I'm

a new person. I'm going to start budgeting. I got my one pager financial plan

all ready to go. My mindset is like, I'm like the richest

person in the world, right? Like, that's just not going to happen. And so I

think, to be realistic, what are, I always tell

people, do a little bit of thinking and what are the things?

What are, like one to two things that truly stress you out? So

when I was going through all of my debt stuff with my student

loans, it was the fact that I just, like, owed so much

money to my student loans, which is my biggest killer. It wasn't that I had

a car payment. It wasn't that I didn't feel like I made enough money. It

was truly the payment for student loans. And so think about it in your own

situation, what is it that is truly stressing you out and then start

to make these micro changes in your life? Is it just that you feel like

you're not investing enough? Is it just that you feel like you're wasting too much

money on restaurants? Is it just that your credit cards are maxed out? Whatever.

The one or two things that are truly overpowering your

mental state and causing you to not get enough sleep at night,

start little things to kind of fix those areas first.

And then it comes down to actually, how do you

do something right? Like, it's. You need to set intentions,

you need to set goals. You need to, like you said,

make pick something. Don't pick everything, because if you pick everything, we're going to be

doing nothing but pick something and then start working towards that. So there

was a question in the. In the Facebook summit

group. So in the summit Facebook group group, I just put all the words

together there. Tiff, do you want to take it? Could you repeat the question

and answer it for me? Yeah, sure. So it says,

how to defeat a poverty consciousness. And

I love this question because it's right up my alley, and it's something that

I also struggled with for a very, very long time. So just a little

background information about me. I'm a single mom of three

kids now, but when I started on this journey, it was to. And

I was to the point where I was living not just paycheck to paycheck,

but tax refund to tax refund, school refund to school

refund. Like it was bad. And what

kind of helped me make that shift was, first of

all, getting more aware of my situation. So when you

are in a poverty consciousness or poverty mindset, you're thinking about

the next day, how can I get food on the table right now? How can

I do these things right now and not really thinking about the long

term? And so I started budgeting. Of course,

we've talked about that, but just starting to put it on pen and

paper, you know, starting to write it down in black and white, because I tried

doing the mental accounting for a while. And with the mental

accounting, honestly, you are

in a worse position than if you just write it down, if that makes sense.

So what I've realized is when I write things down,

or if I'm feeling anxious about my money, I go back to the

basics, aka the budgeting, because that'll give me that peace of mind. So I

started there, but then, of course, if you're barely

making ends meet, then you're going to be in a negative. I

was prepared to see that. Right. But then what that also allowed me

to do was gave me the motivation to start making more money,

to start doing more, because I was like, I can't keep living like this.

And so seeing in black and white how much I really need to

make it propelled me to get a new job, making more, it propelled me to

do side hustles, all these different things to make sure that I get back in

the black. So those are some things, some tips, I guess,

that I can give you. When I was going through that situation. For

sure, did anyone else want to address that question? Because it's a great

question, and it's a. It's a. It's a. You could tell. It's a meaningful

question. So I just wanted to give a everyone a chance if they want to

contribute to that. To that one. I have a

quick comment to add to it. I think one thing is to remember that

this is all temporary. Right. I think when a lot of us

coaches, we talk to people and it's, you know, especially tiff,

single mom of three, how are you supposed to get that side hustle? How are

you supposed to work on the weekends or afford daycare just to make a little

bit more money? And I think that we have to remember, remember, this is all

just temporary. And so we're not asking you to work 80 hours a week for

the rest of your life, but what can you do right now? What can the

hustle be that actually still allows you to have some time with your

family, but also that, you know, you're a little bit of tough love on yourself,

and you realize you need to get some of your ducks in order. And then,

as you can just get into the black, as you can just start to have

a little bit more money to afford groceries without, you know, having a

panic attack, then you can start getting rid of some of those high side hustles

and start to loosen up the reins a little

bit. I love that. And I think in

my interview with Andy Hill, he mentions that as well. Right.

There's a side hustle, which we have. I think it's. Colin

Graves is going to be talking about it on day three. The side hustle that

is to hopefully, maybe transition to your. Out of your nine to five.

There's that side hustle, but that's not the only side hustle. There's that

temporary, temporary. I need to make a quick change

here. And I like how you said it. It's temporary. And this is what I

talk about when I. When I was going through my financial struggles,

recognizing. And I, you know, this happens in hindsight, and this is why I try

to tell people now, recognizing that it's a point in time and that you

can work your way out of it and it doesn't have to be the rest

of your life. We've got folks here who, like I said, we've got

TIff's single mom. We've got Anna Boyd single mom.

So we're not all, you know, doing. We're all doing

it in our own way. But you have to find the way that makes it

work best for you. And maybe that is, you know, a little bit of sacrifice

right now to get you to that other side. Or maybe that is, you know,

there's. It can go any way. It can go anyway, so I do

appreciate the way you said that there, Kelly. Did anyone

else want to add to that question? Because I'm, you know, it's

a pretty important. Oh, you want to go back? Do it. Tiff, go ahead.

Yeah. Just to add really quick, y'all, please tell me when to stop.

But with that, I'll also add

that even though it's temporary, right. When you

are in that mindset, it's hard to think creatively.

It's hard to think outside of the next day. And

so one thing that I do with my clients, sometimes, if they're

in that mindset, like, I've had clients that get on the phone, they just start

crying. I'm like, okay, let's just envision that life

is perfect. What does that look like for you? And so as they're going

through this whole visualization activity, and so

one, writing down what they're saying, and those

are the goals that they have. And so sometimes you kind of have to be

creative in how you approach the situation, too, just to

get out of that negative autopilot, is what I call it.

So that way, you can think creatively. Like, what else can I do to make

this extra money? Because, you know, all of those emotions and stuff

is all physiological, too, is psychological and

physiological. And so just doing that switch

can really unlock some doors. I appreciate that so

much. So the only other piece that I wanted to talk about, and we just

mentioned, you know, the single parent. The other part of it that makes us really

complicated is that we're dealing with money in families, right?

So there could be a partner. They're

often kids. So one of the things that, you know, and

I'm glad we had ed combs, financial therapist, talking on day one about, talking

about, talking about money within a partnership, within a couple, within a

family. It's the other piece of this is that

feeling like you're totally alone in keeping it all to yourself

is what makes that feeling so, so much worse. Right? So

finding resources, finding people that you could talk to that you can,

you know, could be confident, it can be, you know, accountability, partners, whatever

it is, finding a way to make a community

come around you is what is what can really help you move

forward. So I'll just add that last little piece. But we're right at an

hour. And I know folks, you know, this is. This was amazing. And I'm so

grateful to all of you. But as Tiff, as you said, we're here for a

great time, but not for a long time. So I will start wrapping this up

right now. I told you, Tiff, I watched your session. It was fantastic. I'm not

just making this up. Everyone here was spectacular. Thank

you all so much for coming on, for just being

open to sharing and contributing. I'm going to do one more roundtable. But

I want you to tell people not just where to find you, what you

do, how you can help them, whatever you

think you do, what everyone here does, something to help someone else,

tell us how you help them. All right. And I'll start with you, Kelly.

Yeah. So kellyshostrom.com. You can just go there and

that'll, like, link you to all the things, right? Newsletter,

Instagram. But basically, if you need help with,

I'm ready. I know that there's other people that help me with

other things, and I'm all for connecting all the dots, but if you're ready to,

to get really on a spending plan and try to make your

budget work and make sure that it, you know, aligns with the goals of your

family on pen and paper, on excel and

keyboard, then go ahead, whatever mode, cash and

envelope, and go on all day, folks. But go to kellystretching.com dot. There's

a course that I have. It's super affordable. It's less than one happy

hour, and basically it walks you through. Exactly. Step by step.

There's a video for every single step along the way to get you

from I have no idea what's even happening in my life. And all the way

to I have a spending plan and my spouse is actually on board with it.

And so. Kellyshostrom.com elyshowstrom on

Instagram and happy to walk along with you guys

on this budgeting journey. I love that. So

I'm purposely telling my these speakers to

be promotional because what they do is so

beneficial to all of you. So all of you can join the raising generation wealth

virtual summit right now and hear from them for free right now.

Jump on right now and get all of this 100% for free.

But they all, all of them are amazing, amazing people.

And they do amazing things. This is what they do. They help people. So I

want them. If you've heard what they've said today and you're like, oh, my gosh,

I want to connect with them. This is how you connect with them. This is

how you find them. This is how you get yourself to feel better. All right,

I'm coming to you now, Tiff. Yeah. So you can

find me on talk with t on all social media platforms. Money

talk with Tiff is the podcast. Moneytalkwitht.com is the

blog. And I specialize in, of course, the money

mindset piece. But also I'm very heavy into small business,

so you'll find a lot of business content, side hustle content, things of that

nature. And I love helping people with that as well. I'm an accredited

financial counselor, so of course I help people one on one with

all of the good things, whether it's budgeting, setting goals, getting that

mindset right, coming up with tips and strategies for you to

get past any blockages that you may have. I also

help with that, and I have a course called budget

Nirvana, if you're interested, where I go over the money mindset piece.

Actually, the session that I did for this

summit is actually the first course in budget Nirvana.

And so going through the mindset, then going through tracking,

budgeting, all those good things is in that course. So I can go on

forever. But that's just Cliff notes of what I have going on.

We all can go on forever. This is what we love. We're all so passionate

about this. This is why we're so excited to come onto the session and come

and talk to you. People talk to people during the summit. Gabe, can you tell

people again what you do, where you, where they can find you, how you can

help them? So, yes, once again, Gabe Walters. You can find us at

steady worth. And steady worth is one word, steady worth, but one

word. And so, you know, we will help you build a one page financial plan

with action steps. Another thing that we also help do is that if you're

interested in investing in the stock market and you want to know how to set

up a brokerage account, whether it's a regular brokerage account in Iraq, Roth

Ira, we walk through how to set those types of accounts up. What are the

different custodians that are available to you? How to take a risk assessment

questionnaire, if you would like to, you know, to do that, to start investing in

those accounts, what are the things that you would buy in there, whether stocks, bonds,

ETF's, mutual funds. We explain all of that stuff. And so, you

know, some stuff is, you know, some people do like a diY. We look at

our courses like a DWI, which is not a do it yourself, but it done

with you. So we work on building community and we do every with you. So

you kind of, you get that support that you need. And so feel free to

email me. Gabe steadyworth.com

and looking forward to connecting with you. Thank you for that, Gabe. And Deb,

can you just give a quick. Yeah, I'm Deb

myerothynest.com. Again, that's the central

hub. I do have the Beyond Budgets podcast if you want to listen to that

on your favorite podcast app. Also,

just from a way I help people. I really am a

holistic, fee only financial planner, so I don't make commissions.

My only source of compensation is what my clients directly

pay me. And I really do

love working with families, just helping them build the bridge between where

they are now and where they want to be in the future and touching on

all facets of the financial planning and investment process.

Like Tiffany, I also work with some small business owners. I'm a

CPA by background as well, so have a little bit of niche

expertise for those that are parents and small business owners. Kind of

a cool one stop solution for a lot of those

people. And really quickly, I should probably introduce

myself since I didn't do that in the beginning. My name is Clifton Corbin. I'm

the author of your kids their money. I am the host the raising generational

wealth virtual summit. The reason I have

created this event was because basically one of the things that I keep hearing when

I talk to parents about teaching their kids financial literacy is they felt

like they needed more support with their own financial literacy. So that is why

the virtual summit is a thing. And I'm so, so excited for this

virtual summit. I'm so grateful to all my speakers. I can't thank all of them

enough. And there's over 20 speaker, so I really

cannot thank them on this moment as much as I would like to. But I'm

so grateful for the four of you for jumping on with me answering

these questions, just having a conversation with me. I would love to do this again

sometime. I had a blast. I don't know if you did, but I know I

had a blast. And like all of us, we love money so much, we can

talk about it all day long, for days, for days. But we

do need to call it. So thank you, Deb, tiff,

Gabe kelly, everyone. Go to

raisinggenerationalwealth.com. The summit is still going on for another

day. You can hear from all these amazing speakers, plus so, so much

more. And thank you just so much for joining me, and I will catch you

at the summit. All right, take care, everyone. Thank you for

listening, joining and being a part of the Money Talk with TIFF podcast this

week. You can check TiFf out every Thursday for a new Money talk

podcast. But if you just can't wait until next week, you can listen to

previous podcast

episodes@moneytalkwitht.com or

follow TIFF on all social media platforms at

moneytalkwitht. Until next time, spend wise.