Neil and Brittany Henderson – Real Estate Investors, Founders of Summer Sky Capital, and Co-Hosts of The Road to Family Freedom podcast, cover a subject that is fundamental to achieving financial freedom, BUDGETING. Neil and Brittany talk about their past struggles with budgeting and how the software and concepts taught by Jesse Mecham in You Need a Budget have transformed their financial lives and made budgeting fun and effective. 

What you’ll learn about in this episode

• What you'll learn about in this episode
• How Neil and Brittany budgeted in the past and why it didn't work well
• Old way: Mix of envelope method and multiple bank accounts
• The challenge of "post-mortem" budgeting vs. "planning" budgeting
• Places were the envelope method of budgeting failed us
• New way: Introducing You Need a Budget
• The four rules of YNAB
• Give Every Dollar a Job
• Embrace Your True Expenses
• Roll with the Punches
• Age Your Money
• YNAB allows us to use our credit cards for travel rewards without fear of over spending
• How much does YNAB cost per year

Help Us Out!

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Recommended Books

• One Small Step Can Change Your Life: The Kaizen Way by Robert Maurer
• You Need a Budget by Jesse Mecham

Resources Mentioned

• You Need a Budget

Connect with Guest:

• Website: Summer Sky Capital
• Instagram: Neil, Brittany

*FTC Disclosure: This post may contain affiliate links. If you make a purchase after clicking on the links, Road to Family Freedom will get a small commission. We are dedicated to finding the coolest products for families looking to building financial freedom through real estate and we never recommend anything that we don’t love.

This episode is one that Brittany and I recorded a few years ago when we're first exploring the idea of doing a podcast. It covers something fundamental to the road to financial freedom, budgeting. Now, for those of you who've gotten your financial house in order, this is one you might skip. But if you're like most Americans, even Brittany and I A few years ago, you often feel out of control when it comes to money. I think you'll find some actionable tips in this episode. And it's worth a listen, enjoy. I'm Neil and I'm Brittany, we are a family on a journey towards financial and location independence. Each week, we interview successful real estate entrepreneurs about their chosen investment strategy, and rated based on how much money it took to get started, how long it took to educate themselves, how passive it is, and whether or not they could do it from anywhere in the world.

Welcome to the road to family freedom. If you like our show, the easiest way for you to give back is to leave us a rating and review on iTunes, head on over to rode to family freedom comm slash review for links and instructions on how to do that we would be so grateful. All right, enough out of us. Let's hit the road to family freedom. All right,

what are we talking about this week?

We are talking about? a really fun subject.

Money wealth, spending,

no budgeting, budgeting, budgeting?

Can I skip this episode?

No, because it's actually kind of fun. It's like a game. Yeah, yeah. Um, so yeah, this week, we wanted to talk about the foundation of financial freedom. Because it doesn't really matter how much money you have, if you spend it all, as soon as you have it. You know, if you're, if you're spending more than you're bringing in, then you are in trouble. And so we have experienced this ourselves. And we wanted to talk to you guys about how we've sort of gotten back on track and what we're doing to get that foundation to be really strong. And again, that's just budgeting. So

what if so how are we how we've been budgeting in the past?

And we have in the past? been using? mint?

I guess, am I right?

I guess I guess I should be answering this question. Because I've

I know. Yeah. Do you want here all alsek? Okay, I'll ask you. Um, cool. So budgeting, what have we done in the past?

We have done a mix of mint and praying.

Yeah, I've done a lot of lalala, lalala lalala, sticking my fingers in my ear and just pretending that I don't know. Because I I like to say that I not very good at money. Which is probably not totally true. I just don't really want to have to care.

Yeah, we have all joking aside, we have we were, we have a mint account. And that sort of pulls in all of our different bank accounts. And we typically we've got one bank account for all of our fixed expenses, like our mortgage or insurance, auto insurance and things like that. And then we have another account for sort of our spending money. And, you know, really doesn't work all that well. Mint, sort of great for sort of seeing what happened, like, Oh, where did all of them? Why do we have no money right now? Where did all of our money go? And it's really not it's not budgeting. I mean, they it's not budgeting, it's sort of tracking. It's like a, it's like a giant check, register with all of your different accounts, your credit cards, and your banks and savings and all that. But it's very interesting to look at, but it doesn't it's not really all that useful for us. I know. There's people who probably it's great for them didn't work for us.

Yeah.

Well, for me, like I never knew how to like I could barely log in half the time and there was always God knows what was going on. And I didn't actually know I mean, mostly I knew how much I was supposed to spend on groceries. And I still a lot of times I didn't I wasn't aware enough to be able to look back was hard to see where it was. I couldn't really figure out how much had I spent? Yeah. It just wasn't working. Yes.

So one of the things that we have done in the past was the envelope method. And if you're not fitting with the envelope method, it's basically where, you know, you've got your fixed expenses, like your, your mortgage, your rent, your insurance, your car payment, whatever, you've got your utilities. And then you've got the money that you need. You're spending money on groceries, dining out entertainment, things like that. And what you do is you, you know how much you can take out for each pay period, and you take that money out in cash. And then you put it into these envelopes for groceries and dining out and things like that you sort of fill up those buckets. And I recall, what I remember was that I really liked it, because it gave me this feeling of control. Like I sort of knew I knew how much money we had. And I never felt all that guilty about spending money because I knew I had it. It wasn't like, I knew it wasn't putting our credit card and going, Oh, I think we got enough money to make that payment. This, you know, but why don't you Why don't you tell me sort of some of the problems with it?

Well,

my biggest problem was that I didn't know how to make it work really, functionally, well, because sometimes I would forget the envelope. What happens if I'm out, and I didn't plan to spend money on XYZ thing, and I didn't have the envelope with me, then I couldn't spend the money. But I am a mom, I have a three and a half year old and a home business and you know, a house to run. So sometimes I have to do things just on the fly. And that was really incredibly inconvenient. Also, like they were easy to lose. I mean, I didn't lose any money. But I always was terrified that I was going to. And I'm sure you know, there's some things that like, I know Dave Ramsey, sell some things that make that a little bit better. But like, functionally, that didn't work. And then the other thing was that so 90% of the time for something like groceries. Yeah, I do that. But there's always that 10% of the time where I might say, hey, Neil, can you grab some XYZ on the way home? And then what is he? What does he buy that with because he doesn't have the envelope, I have the envelope. And so the the convenience factor was just not there. And it so you know, for for things like fun money or something where one of us is absolutely going to be spending that money. I could see it making sense, it could work for that. But even then, if I want to buy something on Amazon, I'd have to read deposit the money, it just there was too much. There, there was too much process. And we have a family. And we've already talked about I mean, half the reason we're doing this podcast, because we want to teach people how to not spend a bunch of time on on doing this and make it easy. And we were spending a bunch more time on budgeting and it wasn't like getting us anywhere because we weren't actually saving that much money.

Well in some silly stuff. Like, you know, you've got you know, you know, hey, we spent we need $20 a month for clothes for for the kid? Well, you know, you're supposed to put in what $10 every pay period to make $20? Well, you know, to do that you have to go get change. And getting change gets to because it's a silly thing, but it's actually a bit of a pain in the butt. And then another thing like gas, like getting gas at the pump, you know, we always typically just didn't we didn't put gas in one of our envelopes. We just did it on one of our cards. But then sometimes we would forget that we'd you know, spent a bunch of money on gas, and then we didn't pull that money out. We couldn't pull that money out for for groceries. And it was just it was always a mess.

It didn't work. Yeah. So we obviously that didn't work for us. And the other way, you know the the post mortem budgeting of just like looking at what happened with mint. That didn't work. So what are we doing now like what is working? Because I think this is working, actually, and I'm excited to talk about it.

We are using a program and a method called you need a budget. There's a podcast, there's a website, you need a budget calm. There's a web app, and there's an iOS and Android app. And it is at its simplest, the best way I can describe it is it's like a digital version of the envelope method.

I would agree and I would add that I feel like he has this mindset almost They have some rules, but in my mind, they're almost like mindset pieces that really make a huge difference here because they really helped to hammer out some of the problems with even, you know, even if I was doing the envelope method, which just I know there's some other apps that do the envelope method as a digital version, but where they're lacking is these really cool those four rules that the guy who created his name is Jesse has and just sort of Jesse Macomb. Jesse Meachem Yeah, Jesse.

Gotcha, Jesse has

this he has them as it says these four rules that Jesse Meachem created, and they are I think, what make why NAB you need a budget, why NAB is what it's called for short, really special and actually doable and useful as something more than just this you know, sort of budget, which is kind of what we had before. So that's what I really like.

So what are the rules? stone thing? Yes, there

are four rules. So

the four rules number one is give every dollar a job. So give every dollar job means that you don't just have this these like a morphus pots of money. You know, you don't typically you might have like an emergency fund. But like when you're saving money, you're really saving money for something in particular, one of those might be emergencies, but also creating jobs that you want to have your money do for you. So some of those are going to be part of your expenses, groceries, those kinds of things. And some of them are going to be you know, things that you're you're saving up for. And by giving that your money a job it, it gives you a purpose, really, I think it makes it a lot easier to save that money because you have that purpose. And feel free to jump in if there was something else around the give your money dollar f give every dollar a job sort of concept.

That's the concept that's most closely tied to, to the envelope method. Because essentially, the thing is, when you have money come in, when you have inflow of money, you sit down and you say, Alright, what buckets Am I going to put this into? Well, I know that I need to put this much into my mortgage bucket and my insurance bucket and grocery budget. And I like that it's really like when it comes in. And the idea is to have every dollar budget, you know, so every, every dollar is has a job.

Yeah, yeah. So you're not just again, like having a giant bucket of savings. And then you dip into that for whatever you want. Because when you do that you don't really know. Like, if you're spending it wisely, you know, it helps, I think give you a direction as well. Like if you're going the right direction. Um, so Rule number two is embrace your true expenses. And maybe Neil can give us a good synopsis of that.

That's I think you might help. Yes, it. So embrace your true expenses. So often, we we sit there, and we focus on those expenses that come along every month. And Brittany and I were both we were forgetting those periodic expenses. I mean, I had, I had sort of a savings bucket for Christmas, and our car registration, and like a car repair funds kind of things. But there were other other expenses that were coming along periodically, that I was not accounting for. And all of a sudden, we I'd be like, why do we have no money? And it's like, oh, because, you know, we spent a bunch of money on on our dog's vet bill, that, you know, she goes for a yearly checkup, or, you know, or we had more doctor's appointments this month, or we have a credit card that has an annual fee on it, and we weren't accounting for that, you know, and so, what it does, it says, alright, sit down and figure out what you spend what it costs, you know, to how much money you want to have for Christmas every year. And don't try and like come up with that money the month before Christmas, put away a little bit of that money every month. And same thing with you know, college tuition, you know, you're going to have to pay your car registration every month, every year. You know what it's going to be so go there divided by 12. And then, you know, put that money away.

Yeah, I think that's a really great way of doing things. We actually, we just had a vet visit with Bella to do her like teeth clean. That's our dog Bella. She she had her teeth clean, she had some vaccines, she had some kind of like normal yearly care. And so we have a number now and now we know what we need to budget for the next 12 months to be able to pay for that without having to move things around because we did have to move some things around a little bit for this business. So I'm, I really love this one because it's really just about being prepared. And instead of looking back, like mint is just kind of looking at what happened, and then not doing anything about it, we're actually going, Okay, what are these things and planning forward and really, making sure it's makes it easier because $10 a month is much easier than, you know, then than just having $120 have to be

a pure rolled out,

yeah, just appear out of nowhere, like, you know, $120 might not be a lot, but if you know, that's a decent chunk of my, you know, part of my grocery budget, and that would impact us. So I like this one. And the other the third one that I really think is also like, it really is a mindset one is roll with the punches. So it's really about just being flexible, because if you're really inflexible with those buckets, and, and not being able to account for things that do come up, because some stuff still comes up, or you'll forget something or, you know, maybe you just need to change a priority for now. If you're able to be flexible, you can really, you can, you can make it work, and you can move things around and kind of take things out of some some of your buckets that might not be priority, like top top priorities, and make it work. Do you have any other comments on that one?

Yeah, well, I mean, like, Dave Ramsey is a big thing on like, you know, stick to a budget, you know, find out, you know, this is what, how much money you want to spend on groceries and dining out and stick to that. And life doesn't always come at you that way. There are times there are things that come up, you know, last year, when our dog went to the vet to get her teeth cleaned, she had to have a bunch of teeth pulled, and it was a lot more than a normal vet visit. And, you know, so those things, those things come along things that you forget to budget for things that, you know, things times where it's like, you know, we're just, we're really lazy this month, and we're not doing so well at making dinners. And so we maybe spend a little bit money on dining out. And maybe that maybe that means that we don't spend as much money on on entertainment, like going, you know, watch the movies or things like that, you know, it's just, we roll with it.

Yep, yes. And then our fourth rule that we're following with y NAB is to age your money. And this rule really goes into, instead of spending what you're making, at the time that you're making it, you're really spending money that you've made a month ago, two months ago, six months ago, a year ago, whatever it is. So rather than being in this paid check to paycheck cycle, you're breaking that cycle, and you're able to save, basically, you have kind of a buffer that you know, and that really also helps you roll with the punches. Because if something really big came up, you could theoretically dip into that if you had to, because it's almost like a savings buffer. It's not really the idea. But you know, you're you're able to have a lot more flexibility and, and make sure that you this is really great. Also for people who have income that is varying, because if they've got kind of a solid what they're spending from last month, they can it's it's a little bit easier to deal with those highs and lows. And that's something that for us moving forward with some of the things that we're going to be doing, you know, we'll have like a real baseline but we might have some other money that comes in that changes, especially with my business, things like that. And so being able to have this sort of baseline of our money being older and we're not spending just what we made this month, it will make things a lot easier, and it's it's I think can be a lot less stressful.

Yeah, it's kind of I kind of think of it as a sort of an interim step between an emergency fund and you've got your emergency fund you know, and they say you should try and have six months worth of expenses in the bank for an emergency where like if somebody lost their job or got hurt or whatever and and that's good and that's and you still do this with with wine AB but this is like just sort of evening out those uneven highs and lows of the wave of ebbs and flows of a budget you know, there's some months we're going to spend more money and and we do have variable income right now our Airbnb has a has a, you know, we basically know how much money we're gonna make every month, but it goes up and it goes down. I mean, we have high season we have a low season. So this also kind of helps to kind of, you know, smooth some of that out.

Yeah, and I I was we were really excited because we we really just got started with this we did a little bit like setting it up in January, but mainly we, we, we basically created our main budget and really started this at the beginning of this month. And and then have been working on it with the two week pay period basically is what we're working on. And for me, we I ended up not spending all the grocery budget, which was huge and is a big deal for me because I am big into healthy food. And it's really important to me, but I managed and I didn't scrimp I didn't, who bought it didn't do anything I just sort of was more aware. And so I didn't buy extras, I didn't buy things that we didn't need. And that left us with extra money. And, and I think we did that sort of in a few different places. And so Neil came in while I was making breakfast the other day, and he goes, small victories, our money is 10 days. Oh, and it seems kind of silly, but it was really exciting. Because that's, you know, we're a 10th of the or a third of the way there actually a third of the way there because you want 30 days. So we're, we're a third of the way to our first initial goal of getting 30 days ahead and aging our money one month. And And literally, it's been two weeks, that was nothing like so, you know, I'm I'm just like, this is super exciting. And I know that we can continue to do it. And if we have a little bit like a month where we don't save as much money, that's okay, too. But I am I'm excited that we're going to be able to keep moving forward with this. And really, I already feel successful and that those those accomplishments, the accomplishment energy, so important for me.

What, what is it that you like most about one app?

Um, I think I guess it just really makes sense to me. I like Like I said, I really like the rules and the kind of mindset around it, um, the the app and the like software function well, which is nice. There's some great functionality there. But I really think it's just this is the mindset around it is a huge deal for me. And, and I think it also, because we're looking at it each week, kind of and we're kind of like we're up on it. And it's like right there, I can open it up and see where we're at, on our different buckets and what we spent. It's really, really helping me too. To have those that like accomplishment energy again, like it's and to see our small victories and be able to move forward. Whereas before, like I couldn't tell what was going on. And it just so I wasn't aware. And now I have a lot more awareness, I have those, that ability to get sort of that pump from those small accomplishments and and that mindset piece, which is really important for me as as a coach, I talk about mindset all the time. What do you like most?

Well, one is the simplicity of it, it's really, it's actually really, really simple. I would say two is that before, it really felt like we were you Brittany and I don't fight very much. But when we do get irritated with each other, a lot of times it's about money. And that's true, probably have a lot of married couples. But that was something I noticed a lot. And a lot of it was just a lack of communication. I mean, we just really, Brittany just didn't know what was going on with the money. And I wasn't really doing a very good job of like letting her know. And it would only be until we're sort of in crisis mode where I'd be like, why did you spend that money? You know, and that's not and that's not fair to her. She had no idea. The and so I think it's made us where the two of us are just more engaged with it. Together, it's more of a more of a it's a joint thing. And then lastly, we I love I love travel credit cards, I love travel hacking, and we'll at some point we're going to take a detour episode and we're going to interview some travel hackers. And so we like to put spending on to airline on cards that that earn airline or hotel miles. And before you know we were usually pretty good about not overspending, you know, but that it's really easy to lose track of if you're not really on top of it. And there there have been some times where we things have gotten out of control and all of a sudden like oh my God, why is our is our credit card bill so big, and we wouldn't have the money to pay for it because we didn't realize that we were overspending. Why NAB the one app app, you put in those different cards. And when you do when you log a transaction, and they recommend you log like a transaction, right when you're doing it, and it's a good habit to get into. If you spend on a credit card, it automatically pulls the money out of that bucket, whether it's groceries or automobile gas or fun money, it takes it out and puts it into a payment bucket, where it says that money is allocated towards your credit card payment. And it's gone. You You forget about it. And it's it's not an issue. And it really just gives you an idea of Oh, I know what my credit card payments going to be this month, because there it is. And I know that that's money that I've budgeted for, it's not coming from some nebulous, you know, like, Yeah, I don't want to spend this money this month. I mean, the money's there.

When we're spending, you know, when I'm using a credit card to pay for something, I'm still putting it in as if I'm taking it out of the cash budget, it's just being paid for by initially by this credit card so that we can reap these rewards and have you know, a fantastic vacation. But yeah, that's that's kind of it is a it's a nice security measure against overspending on credit cards, because it's really easy to do that, unfortunately.

Yeah. So what's our destination? What's our first goal with one m?

Oh, I think I think I've already I think I already kind of mentioned that, we would like to get 30 days, you know, age or money 30 days, and then I actually have some business credit card debt from sort of a arm of my business that didn't work out, which is okay, it was a learning experience. But I got to pay for that one experience now. And so we're working on on getting rid of that. And then you know, what I'll be using, you need a budget to make sure that I actually am on top of my expenses for my my business. And and I'm not going to get into this problem, because I'll be able to say, Oh, I have these XYZ business expenses that come up each year, and I can start putting them in a bucket right now. So that when it comes time for me to pay for, you know, some kind of policy or service, that's a yearly thing, that it's just taking care of it, I don't have to feel like, Oh, crap, I have to make extra money this month now, because I didn't really keep that in account. So that's, um, so yeah, so pay that guy off and get 30 days of money sort of banked in the the account. That's our deal. Awesome. So that is our kind of overview of why NAB and if you guys have questions, feel free to reach out to us. But we I would like to say we are not sponsors of why NAB in any way shape or form. We paid for it ourselves.

And that's it is not free?

Yes,

it costs me the exact cost it is it's about $7 a month or about $85 a year as I recall.

Yeah. So you know, set aside a little bit of money and for us it's a tool that's well worth it. It definitely has already earned its it's already got its ROI up there with like the savings that we had on our grocery budgets, we pretty much paid for the the year plus them. So um, but yeah, we are not sponsors. We don't have any affiliation with wine app, we just really, really like it. So if you have questions about how we're using it or or anything like that we're happy to share with you. And now that we've come sort of to the very end of our podcasts, we wanted to talk about, you know, some some sightseeing. What we're what's catching our eye this week on the road. So,

Neil, what's, uh,

what's caught your eye this week?

Well, I love We both love reading and we're obsessive readers. Britney is currently in the lead right now she's reading more books than I am. But a book that I'm really digging right now is called One small step can change your life The Kaizen way. And what Kaizen is, is a it's a Japanese word and philosophy, but it actually has its roots in. In the United States. During World War Two, the United States sort of developed this Kaizen method. It wasn't called Kaizen back then it was called continuous improvement. And the idea is that very small changes can lead to very big results when done over time. And the idea is that, you know, when you think of a big goal, and that's sort of what I mentioned, in a previous podcast, when I talked about the three year old girl who said she wanted to be an astronaut, and you know, all these things, kids don't know, to be afraid, you know. And so, when we're staring at some big goal, like, well, I want to make a million dollars this year, that actually triggers our fight or flight response in our brain, and it's just natural. And so what you do is you try to break things down into really, really small, small actions that need to be done. And the best example I can really take from this is give about this was I had a friend of mine who wanted to lose weight. And he started on January 1, he got up and he said, I'm gonna start exercising, and he didn't like go down and get a gym membership and spend a bunch of money and then try, like, I don't work out five days this week. And, and then, you know, the next week only worked out four, and then three, and then two. And then pretty much he was done. He started off, he said, I'm going to do one pushup. One setup, and I'm going to walk for one, one jumping jack, and then I'm going to walk for one minute. That's all he did. And then the second day, he did two to two and two, and then he built up, you know, slowly over time. And so what happens is that it, it's much easier to build a habit when you start that way. Because the idea is to not get the result from the habit. The idea is to just build the habit. Yeah,

build the habit of the habit. Yes, yeah. Yeah, no, it's great. And this is actually one of my my favorite people in the world is Gretchen Rubin. She talks a lot about habits. And she does talk about this as well. So I'm excited to read this book, because I think it'll go a little bit deeper, and help me to understand how I can help my coaching my health coaching clients to create habits in an easier way. Although I will mention a little bit of a caveat here that there are some people that really can't sustain the small micro habits and have a really, really rough time with it. And those type of people are people that that really do need big steps. Now, they may not need the big like, go from one to the very end. But sometimes people do better when they do jump in all the way carport a little deeper than just, you know, one pushup at a time, but for a good amount of us. I think that building that habit of the habit with those small steps can be really really beneficial for sure.

What about you any sightseeing you're doing?

Um, I you know what I'm really enjoying, I'll just go with the book theme. What I'm really enjoying is going back and reading books that either I've read in my childhood or young adult sort of time, or reading young adult books that I missed out on. For whatever reason, just generally, generationally I missed it wasn't, you know, I didn't have to read it at my school, or it just you know, and it didn't I wasn't exposed to it for whatever reason. So I've been rereading the Harry Potter books for several months now. And right now I'm on book six. Once I go back to the library, I'll grab the second book in Madeline legals time series, which starts with the Wrinkle in Time. And then I I don't have those books anymore. So I I read the Wrinkle in Time in like three days or something. And I haven't made it back to the library to grab the wind in the door wash

me because she said certain she reads for like,

I just love I love reading. And so what I find so I've also I've read the giver, which is a Newbery award winner, I read one that I didn't I had never heard of called the princess Academy that I've really, really enjoyed. And these are, these are really, they're young adult novels, but they are so enjoyable and you get a lot something different out of them when you read them as an adult. Because there's a lot of times there's a lot of morals or kind of, like background knowledge that that is there and some of it, you don't see it unless you've already experienced life a little bit. And so I'm just so enjoying going back and reading these books as an adult. And, you know, so we'll see what I like I said, I'm on book six of Harry Potter, so I'll probably roll through that those books pretty soon here. I'm about halfway through that book. It's only been two Couple of days, there's some stop. Um, but anyway, if you're listening and you have like a young adult novel that you think I might enjoy, I would love to hear about it. I do tend to like some of the more fantasy oriented ones, but I'm definitely not opposed to something else. So

people want to connect with you what would be the best way for them to do that.

So on pretty much every social media platform, if you want to get like best, probably Facebook, but Facebook and Instagram are where I'm at the most of the time and my handle for both of those is the Brittany th e br I TT m, as in Mack truck. II. And so yeah, that's the best way you can also you can give me a shout out and let me know what I should be reading next. You can also get me on Twitter, I'll get a notification. So I'll find it eventually. Just not. It's not hanging out there very much. You can also find the red family freedom on some of those platforms as well. But where can we find you, Neil?

Well, I'm on Instagram at Hi, Neil.

It gets high dot Neil actually.

Hi, Doc. Neil. That's this shows you how much more I'm looking at up right now. But I trust I trust my wife. It is hi dot Neil. And Neil spelled the correct way and Ei L. You can also reach me at on Twitter, Neil, just Neil Henderson. And he and I Awesome.

All right. And you know, we'll have all this information in the show notes

as well. That is correct. So thank you for joining us. The road to family freedom podcast is produced every week for your enjoyment and show notes are found, as we said, at the road to family freedom. com. Come back often and feel free to add the podcast your favorite RSS feed, or iTunes. And if you like the show, please leave us a review on iTunes. It really makes a huge difference in our building doing an audience for us. You can also follow us on Instagram, as we said, and Facebook at the road to family freedom. All the links will be in the show notes. So let's hit the road.

Alright, thanks. We'll see you guys next week. Or here you guys. Nope, you'll hear us. Talk soon.

And if you like this podcast, we would really appreciate it if you take just a few minutes and leave a review for us on iTunes. It's really simple to do. Just go to road to family freedom comm slash review for links and instructions. Thanks for listening. We're doing this all again next week. Until then, safe travels.