How do you break through a scarcity mindset with money when that’s been ingrained in you since childhood? 

Even if you had your basic needs met, if you didn’t grow up around abundance, it’s going to be so much more difficult for you to even believe that’s possible to create.

In this episode, we sit down with Annie Davis, a former classroom teacher who made the transition to becoming an insurance agency owner and work-from-home mom. 

Annie shares her personal journey of navigating the ups and downs of money management, from the scarcity mindset she grew up with to moving towards an abundance mindset as an entrepreneur. 

Tune in to hear: 

10:33 — Strategies for overcoming a scarcity mindset and embracing an abundance mindset

16:28 — Tips for outsourcing and delegating tasks to free up time and scale your business

14:09 — Insights on the importance of separating personal and business finances

17:14 — Advice on hiring the right team members to support your growth

CONNECT WITH ANNIE DAVIS

Annie is a former classroom teacher for 10 years. Now she does social selling for a direct sales company ongoing and is also insurance agency owner and work from home mom!

📈 UNDERSTANDING YOUR PROFIT AND LOSS GUIDE

Get the Profit and Loss Guide

❓TAX PLANNING QUESTIONS TO ASK YOUR ACCOUNTANT

Get the Tax Planning Questions Guide

🛍 75+ TAX WRITE OFFS

Get the Tax Write Offs

✅ BOOKKEEPING CHECKLIST

Get the Book Keeping Checklist

💵 BOOKKEEPING AND FINANCIAL ANALYSIS SERVICES FOR BUSINESS OWNERS

Apply for Bookkeeping or Financial Analysis Services

👋 CONNECT WITH SYDNEY & KRISTEN 

Website: https://knowyourworthpgh.com/

Instagram: https://www.instagram.com/knowyourworth_pgh/ 

YouTube: https://www.youtube.com/channel/UC3wzOVSDSC-xsmLg8JJ8MJg/

Annie Davis: 00:00:00

I think what the previous industry.

Annie Davis: 00:00:04

And then teaching provided me was really just a vision for what is possible.

Annie Davis: 00:00:10

Like I think growing up in a household, like you were saying that scarcity mindset

Annie Davis: 00:00:14

where I don't even think I even knew that that's, that was even attainable money.

Annie Davis: 00:00:20

So when we were sitting with the Goodyears, I remember crying in my car.

Annie Davis: 00:00:23

I was like, I can't even believe.

Annie Davis: 00:00:26

in my account.

Annie Davis: 00:00:26

Like what is this?

Annie Davis: 00:00:28

So it almost seems ridiculous to think that it's possible, but I think it

Annie Davis: 00:00:33

taught me, like, okay, you mismanaged money, but now you're a big girl

Annie Davis: 00:00:38

and you can do things differently.

Annie Davis: 00:00:40

And you also have a business that's really steady and really like.

Annie Davis: 00:00:44

So you can do it differently, which is great.

Annie Davis: 00:00:46

Like every season teaches you a lesson.

Annie Davis: 00:00:50

Welcome to the Know Your Worth Show, where we teach you how to think about

Annie Davis: 00:00:52

your money differently so that you can achieve your sexy money goals.

Annie Davis: 00:00:56

I'm Sydnee your money Maven and owner of Know Your Worth.

Annie Davis: 00:00:59

And I'm Kristen Sid's Dimepiece bestie team member and busy mama

Annie Davis: 00:01:03

twins here to make sure that those of us without a financial degree can

Annie Davis: 00:01:06

still level up with each episode.

Annie Davis: 00:01:08

Let's get started on reaching your next goal.

Kristen: 00:01:11

We are so excited because today we have one of my besties here.

Kristen: 00:01:15

This is Annie Davis.

Kristen: 00:01:16

Hi, Annie.

Kristen: 00:01:17

Thanks for joining us.

Annie Davis: 00:01:22

Oh, of course.

Annie Davis: 00:01:23

Of course super pumped.

Kristen: 00:01:25

So Annie is a former classroom teacher of 10 years.

Kristen: 00:01:28

Annie and I actually met in 2000 when were the good years, Annie, like 2015

Kristen: 00:01:37

, Annie Davis: a lifetime ago,

Kristen: 00:01:38

, Kristen: a lifetime ago when we both joined the same direct sales company.

Kristen: 00:01:42

We'd lived in the same city like our whole lives, but didn't know each other.

Kristen: 00:01:46

And we became quick besties and then, you know, we both moved on to different jobs.

Kristen: 00:01:51

Annie is currently an insurance agency owner and a work from home mom.

Kristen: 00:01:55

She's got three kiddos.

Kristen: 00:01:57

So Annie, if you don't mind, can you just tell us a little bit

Kristen: 00:01:59

about like your career story, anything you want anybody to know?

Annie Davis: 00:02:04

Yeah, absolutely.

Annie Davis: 00:02:05

So, you pretty much got all the things like broken down into a

Annie Davis: 00:02:10

little like bite sized piece.

Annie Davis: 00:02:12

I graduated from college from Penn State, sort of always thinking and knowing

Annie Davis: 00:02:16

that I wanted to be in the classroom.

Annie Davis: 00:02:18

So that's what I did.

Annie Davis: 00:02:19

I started in the classroom and was really happy there as it, you know, it allowed

Annie Davis: 00:02:24

me to kind of be on my kids schedule or schedules as I continued to have kids.

Annie Davis: 00:02:29

And then as we just continued to grow our family, it became really obvious

Annie Davis: 00:02:34

that being able to stay home with my kids was probably never going to be possible.

Annie Davis: 00:02:39

Matt and I really did a great job at sharing responsibilities, but the reality

Annie Davis: 00:02:44

of like, Hey, one of us is going to be able to like, really be a stay at

Annie Davis: 00:02:47

home parent was not in our cards unless of course I chose a different route.

Annie Davis: 00:02:51

And so that's kind of why I was initially intrigued by

Annie Davis: 00:02:56

something outside of the norm.

Annie Davis: 00:02:58

And when Kristen and my friend Kara had sort of started in the direct sales

Annie Davis: 00:03:02

industry, it made sense for me because it was a product that I really saw

Annie Davis: 00:03:07

being something I would want to use.

Annie Davis: 00:03:09

So then I, you know, I grew a team there and was really happy there

Annie Davis: 00:03:12

until I wasn't, and then it became harder and harder to be able to

Annie Davis: 00:03:16

duplicate what success we had found.

Annie Davis: 00:03:20

So I decided to go back to the classroom because we needed to financially,

Annie Davis: 00:03:25

but also too, because I had found myself getting bored and complacent

Annie Davis: 00:03:29

and that's never a good place for me to sit whenever I'm feeling any kind

Annie Davis: 00:03:35

of complacency or, or just boredom or just non, like not, I don't know.

Annie Davis: 00:03:40

You know what I'm saying?

Annie Davis: 00:03:41

Like not inspired, I guess is the right word.

Annie Davis: 00:03:45

I needed something different.

Annie Davis: 00:03:46

So I went back to the classroom and was quickly, you know, inundated with

Annie Davis: 00:03:49

all of that, but then again, I think I found myself feeling like I could work

Annie Davis: 00:03:54

forever and ever and max out at this.

Annie Davis: 00:03:57

And that was just a place I didn't want to sit anymore.

Annie Davis: 00:03:59

So, I found insurance.

Annie Davis: 00:04:02

It was something that I would have least expected.

Annie Davis: 00:04:04

I mean, Kristen and I, I, I remember having conversations with her and being

Annie Davis: 00:04:08

like, I didn't know this was going to be something I found to be in my, like,

Annie Davis: 00:04:13

wheelhouse of skills, but I think it morphed together all the things that I

Annie Davis: 00:04:17

loved, which is team building and people skills and just, relating to humans on

Annie Davis: 00:04:24

like a human level and I had firsthand experience of losing two parents.

Annie Davis: 00:04:28

And so that was really a big motivator for me to inform people and just give

Annie Davis: 00:04:33

them sort of background into what insurance does for people's lives.

Kristen: 00:04:37

That's awesome, Annie.

Kristen: 00:04:40

I think that you and I bonded like really early on about money, like

Kristen: 00:04:45

money stress, but also the way that we were brought up and the values

Kristen: 00:04:49

that we were taught around money.

Kristen: 00:04:51

And Syd and I talk about that a lot with people on our podcast, you

Kristen: 00:04:54

know, what were some of the money stories that you had growing up?

Kristen: 00:04:58

Do you want to share any of yours?

Annie Davis: 00:05:00

Yeah, for sure.

Annie Davis: 00:05:01

So money noise has just always been part of my life, like I feel

Annie Davis: 00:05:06

like when money was really good, I didn't know what to do with it.

Annie Davis: 00:05:10

And then when money wasn't really good, and there have been many of those years

Annie Davis: 00:05:14

too, I also like realized that I bonded so quickly to This, I don't know, identity

Annie Davis: 00:05:22

of like what money does for me and what money makes or doesn't make me, which

Annie Davis: 00:05:28

is like can be very shameful at times.

Annie Davis: 00:05:30

So, my background or like my family background is that my mom was She

Annie Davis: 00:05:36

ended up being a speech therapist.

Annie Davis: 00:05:38

She went to school brilliantly smart but she took a job that, you know, was very

Annie Davis: 00:05:44

family centered so that she could be in the schools and help with the kids in

Annie Davis: 00:05:48

the schools, but also be on our schedule.

Annie Davis: 00:05:51

So I learned right out of the gate, like, you can be really

Annie Davis: 00:05:53

smart, but family's first, right?

Annie Davis: 00:05:55

Like, family is the most important thing.

Annie Davis: 00:05:57

So, I think Not that I learned that money was like a dirty thing or I,

Annie Davis: 00:06:02

uh, you know, associated it with that, but I always thought like,

Annie Davis: 00:06:05

Oh, you put your family first.

Annie Davis: 00:06:07

Right.

Annie Davis: 00:06:07

So then, and my dad was an entrepreneur and he was an artist and a photographer.

Annie Davis: 00:06:13

So those types of things for him were always contractual jobs.

Annie Davis: 00:06:18

Like he was always doing commission based jobs, which Funny enough,

Annie Davis: 00:06:23

like my work is in commission, but it was either feast or famine.

Annie Davis: 00:06:27

Like, and when I say, I always joke cause with the kids, like when I go to

Annie Davis: 00:06:31

the grocery store, I'm like, you guys have no idea how good you have it.

Annie Davis: 00:06:34

Cause we were kids, like we never got like lucky charms or whatever.

Annie Davis: 00:06:40

We got Swiss cake rolls.

Annie Davis: 00:06:42

And so when I say feast, it wasn't a feast.

Annie Davis: 00:06:44

It was just that my parents never, we never were on like any kind of like, you

Annie Davis: 00:06:48

know, financial assistance, but there was never a lot, but we didn't know that.

Annie Davis: 00:06:52

So that's, that money noise has always sort of been in my

Annie Davis: 00:06:56

brain as I've gotten older.

Sydney: 00:06:58

We talk a lot with a lot of our guests that it has such an impact on how

Sydney: 00:07:01

you make financial decisions today is, you know, what did your parents talk about?

Sydney: 00:07:06

What was their conversation?

Sydney: 00:07:07

Were they a team with money?

Sydney: 00:07:08

Were they not a team with money?

Sydney: 00:07:10

Did they communicate it to you guys as children?

Sydney: 00:07:12

Did they not?

Sydney: 00:07:13

And so it's kind of like, recognizing that in yourself and how you're

Sydney: 00:07:16

making those decisions today is really important to know and see how

Sydney: 00:07:21

it impacts you just going forward.

Sydney: 00:07:22

So, yeah, it's interesting when you're saying money noise,

Sydney: 00:07:25

that makes a lot of sense.

Annie Davis: 00:07:26

Yeah, and I can remember, and I still do the same thing, like, I

Annie Davis: 00:07:30

can remember my mom dreading like, the day she paid bills, and I would text

Annie Davis: 00:07:33

Kristen on the day I'm paying bills, I'm like, I'm the same way, I'm like,

Annie Davis: 00:07:39

my mom's duplicate And like, I remember my dad being like, well, we have to

Annie Davis: 00:07:43

wait until I get paid from that job.

Annie Davis: 00:07:45

And so it's just, it's always something that I am striving to like quiet in my

Annie Davis: 00:07:51

brain because there's, it's an awareness that I have, but it's something I

Annie Davis: 00:07:54

don't want to duplicate for my kids.

Annie Davis: 00:07:56

I

Kristen: 00:07:57

love that.

Kristen: 00:07:59

So jumping into it, Annie, I feel like I could answer all these for you

Kristen: 00:08:03

because we've talked about all these, but what do you think is the biggest

Kristen: 00:08:06

like learning experience that you may, you had with your business finances?

Kristen: 00:08:12

I mean, think back to RNF when we like had more money than we.

Annie Davis: 00:08:16

Had any

Kristen: 00:08:17

business happening because we had no idea what to do

Annie Davis: 00:08:20

I

Kristen: 00:08:26

Don't think we should talk Is that

Annie Davis: 00:08:28

more money can always be made and I think I have like a

Annie Davis: 00:08:38

I have a scarcity mindset still very much.

Annie Davis: 00:08:41

So I think it's being a teacher, like I'm on a, I'm a W 2 employee

Annie Davis: 00:08:46

as a teacher, but now I'm not.

Annie Davis: 00:08:48

And so Sydney and I, we've had conversations about like what that

Annie Davis: 00:08:51

looks like being a big girl and doing things like not like a W 2

Annie Davis: 00:08:54

employee does which I know I have a lot of growth in that area, but.

Annie Davis: 00:08:58

I think just knowing that more money can be made, that it's, it's, it's

Annie Davis: 00:09:01

always a plenty, my skill sets can take me really anywhere I want to go.

Annie Davis: 00:09:05

But if you want to get to like the, the meat of it, like I don't have great.

Annie Davis: 00:09:11

skills, like money management.

Annie Davis: 00:09:14

And I think that that comes from just never having to do

Annie Davis: 00:09:17

it because I just never had it.

Annie Davis: 00:09:19

So I don't know, like when we were in the RNF years, like, I remember being able

Annie Davis: 00:09:24

to put a lot of money away a month and I thought I was like, I like, had made it,

Annie Davis: 00:09:29

I was like, Oh my gosh, this is great.

Annie Davis: 00:09:30

Is this what it feels like?

Annie Davis: 00:09:33

X amount into your savings account every month.

Annie Davis: 00:09:36

So I don't know.

Annie Davis: 00:09:37

The biggest lesson I learned is it has to be managed appropriately or you'll throw

Annie Davis: 00:09:41

it away, I guess is the best thing to say.

Annie Davis: 00:09:44

Right?

Annie Davis: 00:09:45

I don't know.

Sydney: 00:09:46

No, those are those are great points.

Sydney: 00:09:47

I mean, so the abundance mindset versus the scarcity mindset is like, it's

Sydney: 00:09:52

such a tough one and that's one thing that I that was what I really convinced

Sydney: 00:09:56

myself whenever I was quitting my job to go full time self employed was that

Sydney: 00:10:02

there's always more money to be made.

Sydney: 00:10:04

And I think I leaned into that so hard that that's, I shifted myself to really

Sydney: 00:10:08

think that way now, but that's a hard position to be in, especially whenever

Sydney: 00:10:13

you grow up in a household that is very conservative or that is very frugal.

Sydney: 00:10:18

You know, there are limits and they're always going to be limits and that's not

Sydney: 00:10:21

necessarily a bad thing, but it's hard then to think of the abundance side of it.

Sydney: 00:10:25

So I, I completely get where you're coming from there.

Sydney: 00:10:28

And then, you know, not having a plan or, or, you know, like how you're saying

Sydney: 00:10:32

just not you know, having the, the, the skill, the financial skillset there.

Sydney: 00:10:37

I think that the financial skillset is something that.

Sydney: 00:10:42

It's funny because I feel like I, for when it comes to like my personal money.

Sydney: 00:10:48

I don't like, I hate not being able to shop and buy what I want to shop.

Sydney: 00:10:52

I hate not being able to, if I have a card and I'm in a store and I

Sydney: 00:10:56

see something like, I'm probably going to get it for the most part.

Sydney: 00:10:59

So my plan is I have to set it up before.

Sydney: 00:11:02

Like I have to do it the second I get paid.

Sydney: 00:11:05

I have to put the money in savings.

Sydney: 00:11:06

I have to pay the cards.

Sydney: 00:11:07

I have to do the things that I need to do.

Sydney: 00:11:10

And then what's left over, hey, let's go.

Sydney: 00:11:12

You know, like that's kind of how my budget's sort of turned to.

Sydney: 00:11:15

And I think at different phases of my life, it's.

Sydney: 00:11:18

ebbed and flowed, I have to be stricter to a budget this month.

Sydney: 00:11:21

But on the seasons where you kind of know you're covered there, your financial

Sydney: 00:11:26

skill set can just be, let's get it out first of like, what do I need to put away?

Sydney: 00:11:31

What do I need to pay off after that?

Sydney: 00:11:34

How am I going to treat myself a little bit?

Sydney: 00:11:36

Or what do I want?

Sydney: 00:11:37

What do I need?

Sydney: 00:11:39

And I think just having that initial is a really good way to just start to develop

Sydney: 00:11:43

some of those Like thought processes of like your personal budgeting and finances

Sydney: 00:11:47

and the skill sets that come with it.

Sydney: 00:11:49

But I love that.

Annie Davis: 00:11:51

That's like something I can for sure just implement right away.

Annie Davis: 00:11:54

Like, I know here's my spreadsheet.

Annie Davis: 00:11:56

Here are the things that need paid every month.

Annie Davis: 00:11:58

Like when I get, you know, when I have an income drop in, like this

Annie Davis: 00:12:01

is what needs to get paid first.

Annie Davis: 00:12:04

So I love that.

Annie Davis: 00:12:05

And I think when you were speaking, I was thinking about

Annie Davis: 00:12:08

another lesson that I learned.

Annie Davis: 00:12:09

I think what the previous industry.

Annie Davis: 00:12:14

And then teaching provided me was really just a vision for what is possible.

Annie Davis: 00:12:20

Like I think growing up in a household, like you were saying that scarcity mindset

Annie Davis: 00:12:23

where I don't even think I even knew that that's, that was even attainable money.

Annie Davis: 00:12:29

So when we were sitting with the Goodyears, I remember crying in my car.

Annie Davis: 00:12:33

I was like, I can't even believe.

Annie Davis: 00:12:35

in my account.

Annie Davis: 00:12:36

Like what is this?

Annie Davis: 00:12:38

So it almost seems ridiculous to think that it's possible, but I think it

Annie Davis: 00:12:42

taught me, like, okay, you mismanaged money, but now you're a big girl

Annie Davis: 00:12:47

and you can do things differently.

Annie Davis: 00:12:49

And you also have a business that's really steady and really like.

Annie Davis: 00:12:54

So you can do it differently, which is great.

Annie Davis: 00:12:55

Like every season teaches you a lesson.

Sydney: 00:12:58

Yep.

Sydney: 00:12:59

Yep, definitely.

Sydney: 00:13:00

And every season is going to be a little different than the last of

Sydney: 00:13:02

not only the lessons you learn, but how you implement them too.

Sydney: 00:13:05

So what's possible and attainable this season and what's not

Sydney: 00:13:09

possible or attainable this season.

Sydney: 00:13:11

And it's always ebbing and blowing a hundred percent.

Sydney: 00:13:15

So I think giving yourself grace through those different seasons is important too.

Annie Davis: 00:13:18

Yeah,

Kristen: 00:13:19

So you are a lot of hats, Annie you have three kids in like

Kristen: 00:13:25

a million different activities.

Kristen: 00:13:26

You have your jobs, you have your husband who he does talk about Matt a little bit

Kristen: 00:13:32

and what he does, because it's not your standard, like goes to a nine to five.

Annie Davis: 00:13:36

Yeah.

Annie Davis: 00:13:37

He was, you know, he was in a position where he did sort of

Annie Davis: 00:13:41

like nine to five ish work.

Annie Davis: 00:13:44

But when Kristen and I met each other, Matt was actually working at

Annie Davis: 00:13:48

the same gym where Chris was working.

Annie Davis: 00:13:51

And then that kind of shifted as, like I said, we had kids.

Annie Davis: 00:13:54

So then he worked like in a warehouse and he did, you know, like three

Annie Davis: 00:13:59

12 hour shifts or something like that to be home with the kids.

Annie Davis: 00:14:02

And then it sort of like kind of transitioned into, I think I, well,

Annie Davis: 00:14:06

when R and F was great and the business was awesome and blossoming.

Annie Davis: 00:14:10

We decided as a couple that he was going to step away from that and

Annie Davis: 00:14:13

pursue something that was really on his heart, which was flipping homes.

Annie Davis: 00:14:17

And so we made some investments in some property locally.

Annie Davis: 00:14:22

And he got into real estate.

Annie Davis: 00:14:25

So he does he still does real estate.

Annie Davis: 00:14:28

He's also, he's not in the market right now for a flip because

Annie Davis: 00:14:32

the market's just astronomical.

Annie Davis: 00:14:34

But he's selling real estate.

Annie Davis: 00:14:35

He's working on like, he does all sorts of general construction.

Annie Davis: 00:14:39

He's a general contractor too.

Annie Davis: 00:14:41

So he does a lot of like in home work for people, kitchens,

Annie Davis: 00:14:44

bathroom remodels and stuff.

Annie Davis: 00:14:46

So yeah, he does kind of like, he's like the Jack of all trades.

Annie Davis: 00:14:49

He's

Kristen: 00:14:49

fantastic.

Annie Davis: 00:14:51

He does all the things at the house that you know, he's

Annie Davis: 00:14:53

painting our house right now.

Annie Davis: 00:14:55

So he's always kind of as a stand in.

Annie Davis: 00:14:57

Gosh,

Sydney: 00:14:57

I might need him to come out to my house.

Sydney: 00:14:59

Yeah.

Annie Davis: 00:15:00

We just bought a new house.

Sydney: 00:15:03

Uh, we, we bought a new house and it was a a, uh, what's the word called?

Sydney: 00:15:07

It was a foreclosure.

Sydney: 00:15:08

So, we're doing lots of work on it.

Sydney: 00:15:11

I will say, I think I'm an expert painter now.

Sydney: 00:15:13

I'm very, I feel very confident about painting.

Sydney: 00:15:16

Do you want to

Annie Davis: 00:15:17

come paint my

Sydney: 00:15:18

house?

Sydney: 00:15:18

Do

Annie Davis: 00:15:19

you want to come paint my house?

Annie Davis: 00:15:20

Yeah, I really like, I'm, I

Sydney: 00:15:22

really like painting actually now.

Sydney: 00:15:24

Like, I find it very, like, methodical and like, I actually really enjoy it.

Sydney: 00:15:28

I was thinking about that last night with Alex.

Sydney: 00:15:30

I'm like, well, I haven't really done crafts in a long time, but I feel like

Sydney: 00:15:32

I like don't have the desire cause this is just scratching the edge for me.

Sydney: 00:15:35

Like, you're just crafting your whole house.

Sydney: 00:15:38

Exactly.

Sydney: 00:15:38

I'm just painting the whole house right now.

Sydney: 00:15:40

Man, edging these windows is like really doing it for me.

Sydney: 00:15:46

I'm really enjoying the painting side, but all of the other like little

Sydney: 00:15:50

projects of just like, The little construction projects inside and outside

Sydney: 00:15:55

is just, I think we've had contractors at our house, like we've been there

Sydney: 00:15:59

for one month now and I think maybe 50 percent of the days we've been

Sydney: 00:16:03

there, we've had contractors there.

Kristen: 00:16:07

Well, Matt is fantastically talented.

Kristen: 00:16:09

I mean, you should see some of the stuff he's done.

Kristen: 00:16:11

That's awesome.

Kristen: 00:16:14

So then, Annie, with like, you and Matt balancing your schedules, your

Kristen: 00:16:17

kids, your jobs, like, have you outsourced anything that has, like,

Kristen: 00:16:23

lightened your load a little bit?

Kristen: 00:16:24

Or how did you, like, first, that question, I guess.

Annie Davis: 00:16:28

Okay.

Annie Davis: 00:16:29

I'm just at the brink of doing.

Annie Davis: 00:16:31

Those, like, things that I know I need to do.

Annie Davis: 00:16:34

I'm such a control freak.

Annie Davis: 00:16:36

A very tightrope, as you know.

Annie Davis: 00:16:38

So, like, even asking not to take on any of the admin stuff is like, Oh, but wait,

Annie Davis: 00:16:45

you don't know how to do it that way.

Annie Davis: 00:16:47

Or, like, you didn't make this font color the right color on my spreadsheet.

Annie Davis: 00:16:50

So, like,

Annie Davis: 00:16:53

There's a lot that I have to learn about outsourcing.

Annie Davis: 00:16:56

I will say though, that I'm getting to the point where I am realizing that it

Annie Davis: 00:17:00

is going to be difficult to maintain and scale where I want my agency to go.

Annie Davis: 00:17:06

If I'm the only person that's doing that.

Annie Davis: 00:17:09

So it takes a big like, Ooh, okay, we're going to do this.

Annie Davis: 00:17:14

So I actually am in the process of hiring an admin.

Annie Davis: 00:17:18

If I could, I would just grab Kristen through the screen

Annie Davis: 00:17:20

and she would be that did it.

Annie Davis: 00:17:23

But I have somebody that is probably going to take over just little tasks, like

Annie Davis: 00:17:27

things that I don't want to have to do.

Annie Davis: 00:17:29

And then you know, Sydney does my bookkeeping and, and she's

Annie Davis: 00:17:33

connected me with a tax person.

Annie Davis: 00:17:34

So, I feel like I have some things that I'm, you know, working through,

Annie Davis: 00:17:39

but it's like, it hasn't always been like this pretty, like laid out plan.

Annie Davis: 00:17:43

Like I'm figuring it out.

Kristen: 00:17:46

Well, no, that's awesome.

Kristen: 00:17:47

I mean, that's what Syd and I talk about with people all the time.

Kristen: 00:17:50

Like you do it yourself until it just becomes apparent that you have to

Kristen: 00:17:54

give the things that anyone can do.

Kristen: 00:17:56

So you can do only the things that you can do.

Kristen: 00:17:58

And that's what Syd always says,

Sydney: 00:18:00

which must've

Kristen: 00:18:00

stuck somewhere back in my brain.

Kristen: 00:18:02

Cause it just came out of my mouth.

Kristen: 00:18:05

Yep.

Kristen: 00:18:05

That's fun.

Annie Davis: 00:18:07

Go through though.

Annie Davis: 00:18:08

Like there's only one person that can do my line of work, which is picking

Annie Davis: 00:18:13

up the phone and talking to clients.

Annie Davis: 00:18:15

And making general connections with them that are long lasting and

Annie Davis: 00:18:18

taking them from point A to point B.

Annie Davis: 00:18:21

And doing that fluidly.

Annie Davis: 00:18:23

But there's a lot of people that can do, that can do an Excel spreadsheet or

Annie Davis: 00:18:27

that can do my posts on social media.

Annie Davis: 00:18:30

Like there's people that can do that for me that I don't need to do that.

Sydney: 00:18:33

So hiring an assistant's amazing.

Sydney: 00:18:36

So congratulations on that.

Sydney: 00:18:37

That's That's a great sexy money goal.

Sydney: 00:18:39

What was there like a, an aha moment that really made you realize that?

Sydney: 00:18:43

Or was it like a series of small ones or, you know, what was kind of the trigger

Sydney: 00:18:47

point of this is it, I need to do this?

Annie Davis: 00:18:50

I think it compiled, like I knew it was coming.

Annie Davis: 00:18:53

I knew once I signed over paperwork that allowed me to own and have true agency

Annie Davis: 00:18:59

over my agency, like be in charge of my business, I started to realize that I

Annie Davis: 00:19:04

can't, when it's time to sit down and do human work, I can't be clicking around.

Annie Davis: 00:19:10

Like I can't be moving and shuffling papers.

Annie Davis: 00:19:12

That is not an effective way for my hourly.

Annie Davis: 00:19:17

What I'm worth hourly, it can't be spent on a spreadsheet.

Annie Davis: 00:19:21

Like that's just stupidity.

Annie Davis: 00:19:22

So, it was that it was leveling up in like seeing what other people were doing.

Annie Davis: 00:19:28

So it was like associating with like, okay, all these people are where

Annie Davis: 00:19:31

I want to be and they don't do the stuff that I'm doing that's minutiae.

Annie Davis: 00:19:36

So that was another part of it.

Annie Davis: 00:19:38

And then.

Annie Davis: 00:19:40

I think it's just, there's only so many hours in the day and I can't

Annie Davis: 00:19:43

spend those hours doing the mundane.

Annie Davis: 00:19:45

I have to spend it doing the real practical money making things.

Sydney: 00:19:48

Yeah, absolutely.

Sydney: 00:19:50

I think I've said this in a couple other of our episodes, but it's just such a

Sydney: 00:19:53

good, like, it's stuck in my head so much that there's this book it's called

Sydney: 00:19:57

Clockwork and it's about how you can make your business run for you pretty much.

Sydney: 00:20:02

And you know, if you're supposed to take a month long vacation to Germany,

Sydney: 00:20:06

you know, Europe, wherever, and it would run without you completely.

Sydney: 00:20:09

And it's what, how do you do that?

Sydney: 00:20:11

And one of the things that they talk about in it is Outsourcing certain roles.

Sydney: 00:20:18

And if you can outsource roles in your business for like a quarter

Sydney: 00:20:22

of what your hourly rate is.

Sydney: 00:20:25

It should be a no brainer, like 100 percent should outsource it easily

Sydney: 00:20:31

because if it takes you, you know, an hour to do something and your rates,

Sydney: 00:20:35

100 an hour, and you can be paying someone 25 an hour, which is a great

Sydney: 00:20:39

hourly rate, then you should be doing it without question without thought because

Sydney: 00:20:46

it just frees up so much time and.

Sydney: 00:20:50

Agreed with you too on it's so hard to hire.

Sydney: 00:20:53

You can't really hire the first hire.

Sydney: 00:20:55

Can't be the one that replaces you with your clients, you

Sydney: 00:20:59

know, that's not the first hire.

Sydney: 00:21:01

So, and I might've brought this up in another podcast too, but

Sydney: 00:21:04

whenever I went to a conference the way that they described it was

Sydney: 00:21:07

your first hire is your generalist.

Sydney: 00:21:10

So your first hire is the generalist.

Sydney: 00:21:12

They can do a little bit of everything.

Sydney: 00:21:14

And then your hires after that are your generals.

Sydney: 00:21:16

So they're the ones leading those areas.

Sydney: 00:21:19

So you first hire as your generalist and then you find your generals, uh,

Sydney: 00:21:23

because you can't hire head of sales when you're the one that then still

Sydney: 00:21:28

going to do all the administrative work.

Sydney: 00:21:30

So you can't go get more agents that are going to do exactly what

Sydney: 00:21:32

you're doing until you're not doing administrative work anymore.

Annie Davis: 00:21:40

It ultimately puts me in the seat too, where

Annie Davis: 00:21:42

I can help coach and train.

Annie Davis: 00:21:44

Yeah.

Annie Davis: 00:21:44

Yeah.

Annie Davis: 00:21:44

The leaders that I'm bringing in, which is what I want to do to

Annie Davis: 00:21:47

build an agency that's thriving.

Annie Davis: 00:21:49

Absolutely.

Annie Davis: 00:21:50

There's something you said, though, that stuck with me.

Annie Davis: 00:21:52

Oh, I also, very early on, and this is really, really, like, mundane and

Annie Davis: 00:21:57

small, but I hired out a cleaning lady.

Annie Davis: 00:21:59

Like, I remember, I mean, we lived in our townhouse.

Annie Davis: 00:22:03

So it was like, we didn't even, there was like no cleaning to be done really.

Annie Davis: 00:22:08

Other than like the obvious cleaning that other people have done there.

Annie Davis: 00:22:12

But we hired a cleaning lady and I was like, this is the best gift to myself.

Annie Davis: 00:22:18

Because I was teaching and I did not want to clean the house.

Annie Davis: 00:22:21

Like that was just so stupid to me.

Annie Davis: 00:22:23

I'm like, I'm not going to do that.

Sydney: 00:22:24

Oh my gosh.

Sydney: 00:22:25

Like, yeah.

Annie Davis: 00:22:26

So I love that.

Annie Davis: 00:22:28

So I love that.

Annie Davis: 00:22:29

And she's been.

Annie Davis: 00:22:31

Like she's my weekly gift to myself.

Annie Davis: 00:22:34

You're

Sydney: 00:22:36

like, I love you more than my husband.

Annie Davis: 00:22:38

I really do.

Sydney: 00:22:39

I've wanted to hire a cleaning lady for a very long time.

Sydney: 00:22:42

And my old house was literally so small that like I could sneeze and it would

Sydney: 00:22:47

probably clean more than more damage than it would do, like it would just, you

Sydney: 00:22:52

know, all the dust would clear off every single countertops in my whole house,

Sydney: 00:22:56

you know, but I just, I hate doing it.

Sydney: 00:22:59

I was, it was so.

Sydney: 00:23:04

It's so funny and my mom knows that about me a little bit too,

Sydney: 00:23:06

that that's not necessarily where my attention always goes.

Sydney: 00:23:10

So she's been helping me unpack some things in the new house and she's just

Sydney: 00:23:15

looking around and it's about, it's about six times bigger than our old house.

Sydney: 00:23:21

And she's like, I think, I think we I think you should look

Sydney: 00:23:23

into a cleaning lady, Sydney.

Sydney: 00:23:25

Like I really think that you're going to need some help here.

Sydney: 00:23:28

And I don't know how to find one.

Sydney: 00:23:29

So how, how did you find your cleaning lady?

Annie Davis: 00:23:32

Well, and I agree with you.

Annie Davis: 00:23:34

It's, and I agree with your mom.

Annie Davis: 00:23:35

Take your mom's advice.

Annie Davis: 00:23:37

It's the best.

Annie Davis: 00:23:37

money I spend every single week.

Annie Davis: 00:23:39

It's like the easiest Venmo that I send.

Annie Davis: 00:23:41

I'm like, yes, that's

Sydney: 00:23:44

amazing.

Annie Davis: 00:23:45

I actually just got a referral just like you

Annie Davis: 00:23:47

would do for any other thing.

Annie Davis: 00:23:49

Like, I think I posted maybe on social media that I was looking for someone to

Annie Davis: 00:23:53

clean my house and someone reached out and she's like, if you would really like

Annie Davis: 00:23:58

her, I can make an introduction, just like how anything happens, just like

Annie Davis: 00:24:01

how I met you, Syd, through Kristen.

Annie Davis: 00:24:03

Yeah.

Annie Davis: 00:24:04

And from there she came and I like, I mean, I guess I interviewed her.

Annie Davis: 00:24:07

I don't even know if that's like really a thing, but she came to our townhouse

Annie Davis: 00:24:10

and I was like, please, I promise this is not my, like my forever home.

Annie Davis: 00:24:14

Like, don't judge me.

Annie Davis: 00:24:16

And, uh, she's been like, I mean, she's wonderful.

Annie Davis: 00:24:20

I love her so much.

Sydney: 00:24:21

That's awesome.

Sydney: 00:24:22

Oh, that's awesome.

Sydney: 00:24:23

Yeah.

Sydney: 00:24:23

I think I'm going to need to, uh, that'll be the next thing I outsource

Sydney: 00:24:26

will probably be my cleaning.

Annie Davis: 00:24:30

For you, Syd, cause this is like a real business question.

Annie Davis: 00:24:33

I'm not allowed to ask you this question.

Annie Davis: 00:24:35

So if you need, no,

Sydney: 00:24:36

ask, ask.

Annie Davis: 00:24:38

Okay.

Annie Davis: 00:24:38

So I don't have, I don't have a W or I don't have I have an LLC.

Annie Davis: 00:24:44

I

Sydney: 00:24:44

can say that

Annie Davis: 00:24:45

LLC for my insurance business, but I don't run any

Annie Davis: 00:24:48

of the things through it yet.

Annie Davis: 00:24:49

I just have like a checking account, like the deposits go into.

Annie Davis: 00:24:53

So my question is if I want to hire the help with like the admin stuff, is that

Annie Davis: 00:24:59

something that it wouldn't be a 1099 position because there's things that

Annie Davis: 00:25:03

I can't, like, I can't specify when they're working, but would it be a W2

Annie Davis: 00:25:08

position and like, how does that work?

Sydney: 00:25:09

So it depends on how you're dictating what they're doing.

Sydney: 00:25:12

Um, you are, there's a couple like main pillars of what is a

Sydney: 00:25:17

differentiator between a W2 and a 1099 contractor and control over what

Sydney: 00:25:22

they're working on is one of them.

Sydney: 00:25:25

But obviously you have some control over what they're working on, no

Sydney: 00:25:29

matter who you're working with.

Sydney: 00:25:30

I mean, you're not hiring a plumber and telling them to do whatever they want.

Sydney: 00:25:33

You know, you're giving them a specific role and task, even though you're

Sydney: 00:25:36

not hiring them as a W 2 employee.

Sydney: 00:25:39

So you can have defined tasks of what they're doing, but if you are dictating

Sydney: 00:25:45

like every day from this time to this time, they clock in, they clock out.

Sydney: 00:25:49

They have to show up to a specific place that you are requesting.

Sydney: 00:25:53

Every day, then it's an employee.

Sydney: 00:25:56

But if you're saying, you know, these are the tasks that I need completed

Sydney: 00:26:01

in no particular order, you can choose when you want to do them.

Sydney: 00:26:05

You can choose your method of completing them.

Sydney: 00:26:08

They have control over their, the task they're working on in that sense.

Sydney: 00:26:12

And when they're working on it, where they're working on it.

Sydney: 00:26:17

Then that can be more of a 1099.

Sydney: 00:26:19

Uh, again, for example, if you're hiring out an artist to paint a

Sydney: 00:26:24

mural inside of your workspace, you're hiring them to do a task.

Sydney: 00:26:28

You're asking them to do.

Sydney: 00:26:29

You're dictating what they're doing, but it's project.

Sydney: 00:26:32

It's a project.

Sydney: 00:26:33

So that makes it more of a contract than a W2.

Sydney: 00:26:37

But if you were to think about somebody that's more ongoing, like a social media

Sydney: 00:26:40

person, those people are outsourced professional services, your bookkeeper.

Sydney: 00:26:46

I, you know, I'm an outsourced professional service.

Sydney: 00:26:48

I'm not an employee of your business.

Sydney: 00:26:51

Yeah.

Sydney: 00:26:51

Kristen for me is she has her business.

Sydney: 00:26:54

She has her outsourced professional services.

Sydney: 00:26:58

So I give Kristen tasks to do, but I don't say, Hey, I need you to clock in by nine.

Sydney: 00:27:04

These all need to be done by five.

Sydney: 00:27:06

You need to be wearing this.

Sydney: 00:27:08

And showing up here and speaking would be a situation.

Sydney: 00:27:12

. Yeah.

Sydney: 00:27:12

You know, like I don't dictate that Kristen can just basically

Sydney: 00:27:16

go through the task list.

Sydney: 00:27:18

Same with a lot of the part-time bookkeeping help that I hire, that

Sydney: 00:27:20

they're working directly in our business, but they're dictating their schedules.

Sydney: 00:27:24

They're dictating when they're showing up to work.

Sydney: 00:27:28

I don't have pre defer predetermined times or anything like that.

Sydney: 00:27:33

The other piece of that is not just control over what they're

Sydney: 00:27:35

working on, but how they work.

Sydney: 00:27:37

So, if you buy them any equipment, if you buy them the laptop that you insist

Sydney: 00:27:42

they work on, and then that's technically your laptop, that's more of an employee.

Sydney: 00:27:47

If you're giving them the tools and supplies needed to complete

Sydney: 00:27:51

their work, it's more of an employee than a contractor.

Sydney: 00:27:54

So again, for example, all of the contractors that work for me,

Sydney: 00:27:57

Kristen, are part time bookkeepers.

Sydney: 00:28:00

They have their own laptops.

Sydney: 00:28:01

I don't provide them with laptops.

Sydney: 00:28:03

They have their own tools, their equipment.

Sydney: 00:28:05

I'm not providing them any training or education either.

Sydney: 00:28:08

And that's not necessarily training and education on just like, Hey,

Sydney: 00:28:12

this is how I talk to my clients.

Sydney: 00:28:13

This is how I prefer you talk to my clients.

Sydney: 00:28:15

That's very different.

Sydney: 00:28:16

That's just them working with you.

Sydney: 00:28:20

If you're saying, I want to hire you, but you have to go through this certification,

Sydney: 00:28:24

or you have to go through this training course, and I'm requiring that you

Sydney: 00:28:28

do it, that's borderline employee.

Sydney: 00:28:32

So, if you are requiring that they come with very specific skill sets

Sydney: 00:28:36

that you're, paying for and kind of forcing them to do you're providing

Sydney: 00:28:42

them with the tools and materials and you're dictating when they work.

Sydney: 00:28:47

They're more employee.

Sydney: 00:28:48

So, basically, they need to be able to come to work with their own knowledge

Sydney: 00:28:50

and resources and on their own time.

Sydney: 00:28:53

And they can still complete that predetermined list for you, but you're not

Sydney: 00:28:58

necessarily controlling every piece of it.

Annie Davis: 00:29:01

So the only thing really I'm thinking in my line of work

Annie Davis: 00:29:03

would be if they have to be licensed.

Annie Davis: 00:29:05

In order to do the, the work that I'm asking.

Annie Davis: 00:29:08

So, and that's

Sydney: 00:29:08

a good question.

Sydney: 00:29:09

I would look in particular with that like if they need like their LAH or

Sydney: 00:29:14

something just to do small pieces of it.

Sydney: 00:29:16

I know my husband was in the insurance industry, so I know when he was doing like

Sydney: 00:29:19

certain pieces of it that were probably like more on the administrative side.

Sydney: 00:29:22

When he first started, you, you always needed your LAH but, or

Sydney: 00:29:28

L-H-A-L-A-H-L-H-A lifetime accident, LHA.

Annie Davis: 00:29:33

I do.

Sydney: 00:29:34

I remember.

Sydney: 00:29:35

Oh, so LAH.

Sydney: 00:29:35

So it is life accident.

Sydney: 00:29:37

Okay.

Sydney: 00:29:37

I was sort of close.

Sydney: 00:29:39

I, I don't know all of it, but I know like one term,

Sydney: 00:29:42

But that would be something that that would be good to look

Sydney: 00:29:44

into for that in particular.

Sydney: 00:29:46

I'm not totally certain on that because, you know, for example, If

Sydney: 00:29:51

it's required by law that they have it, you know, I'm, that's something

Sydney: 00:29:55

where I'm borderline not sure.

Sydney: 00:29:56

I would look into that.

Sydney: 00:29:57

I would do my research on it.

Sydney: 00:29:59

The other thing you can always do whenever you're hiring somebody and

Sydney: 00:30:02

outsourcing work is, uh, you can go to the Pennsylvania Department of Revenue website

Sydney: 00:30:07

and you can literally say, I'm not sure if this is an employee or a contractor,

Sydney: 00:30:10

and you can submit like a write up of what their functions are going to be.

Sydney: 00:30:14

And the state will tell you if they're an employer or a contractor, and

Sydney: 00:30:18

then you don't need to worry about if you've classified them incorrectly.

Sydney: 00:30:22

And so it's, I'm pretty certain last time I checked, that

Sydney: 00:30:26

was a free service to that.

Sydney: 00:30:27

You can just ask, but in terms of paying them, then, if they are

Sydney: 00:30:32

a contractor, you can pay them.

Sydney: 00:30:35

You know, in whatever way you've determined with them that you are paying

Sydney: 00:30:38

them, is it in stages of a contract?

Sydney: 00:30:41

You know, typically a contracted, a contractor is that there is a contract

Sydney: 00:30:46

in place for more project by project or form by term, whether it's month to month.

Sydney: 00:30:53

And you just kind of set up that contract with them that they can give

Sydney: 00:30:57

you 30 days notice and be done, or they can, you know, based on these.

Sydney: 00:31:02

Things they that's kind of the stipulations of their agreement.

Sydney: 00:31:06

So are you basing your pay to them off of the project off of timeline

Sydney: 00:31:10

off of number of hours worked?

Sydney: 00:31:12

I mean, once they hit 10 hours, you initiate a payment, things like that.

Sydney: 00:31:17

And you can pay them whatever way you both agree upon, whether it's flash check,

Sydney: 00:31:22

anything there, you just want to make sure it's documented in your bookkeeping

Sydney: 00:31:26

account, your QuickBooks account so that you can issue them the 1099.

Sydney: 00:31:30

And if they are W 2 you can have a W 2 employee for a single member LLC.

Sydney: 00:31:35

So even if you're not on payroll, you can have a W 2 employee.

Sydney: 00:31:39

You just need to make sure that you set up them as an employee.

Sydney: 00:31:42

You can utilize QuickBooks, Gusto, ADP, anything like that, and

Sydney: 00:31:45

get them set up and onboarded.

Sydney: 00:31:47

You just need to make sure that you submit for a license for payroll taxes.

Sydney: 00:31:53

Or an account for payroll taxes and withholding through Uh,

Sydney: 00:31:57

PA, Department of Revenue, long winded answer there, but that's

Annie Davis: 00:32:01

okay, but this will be to, to be determined.

Annie Davis: 00:32:04

So I'll be, I'll be talking to you about that.

Kristen: 00:32:06

Sounds good.

Kristen: 00:32:07

And Andy, I've done this admin, the 1099 stuff for like, 2 years now.

Kristen: 00:32:11

So if you ever want to talk about, you know, what that looks like, or the kind

Kristen: 00:32:16

of rules or the things that I do and the timelines that I do them on and the way

Kristen: 00:32:20

that I've set up expectations with like, Syd or the other people I work with.

Kristen: 00:32:24

I'm happy to talk about that.

Annie Davis: 00:32:26

I would love that.

Annie Davis: 00:32:27

Yeah, for sure.

Annie Davis: 00:32:28

Awesome.

Kristen: 00:32:29

Yeah, I feel like some, like lots of people out there

Kristen: 00:32:31

probably have that same question.

Kristen: 00:32:33

So that's probably going to be really helpful.

Kristen: 00:32:35

Employee versus contractor is

Sydney: 00:32:36

confusing.

Annie Davis: 00:32:37

Yeah.

Annie Davis: 00:32:38

And I also think too, because like I've never, I think having an employee or

Annie Davis: 00:32:43

having somebody that works with On your behalf, however, that looks is like,

Annie Davis: 00:32:48

cause I don't consider that something that would even be relevant to my life,

Annie Davis: 00:32:52

but it's become apparent that it's neat.

Annie Davis: 00:32:55

It's relevant.

Annie Davis: 00:32:56

And so you're like, how do I dip my toe in that big swimming pool?

Annie Davis: 00:32:59

Like, that seems like a very big responsibility.

Annie Davis: 00:33:02

Yeah.

Annie Davis: 00:33:03

Like depending on you.

Sydney: 00:33:06

So.

Sydney: 00:33:07

Definitely.

Sydney: 00:33:07

Definitely.

Sydney: 00:33:08

It's a, it's a daunting, but it's a fun responsibility.

Sydney: 00:33:11

You know, it's neat to have that You know, kind of wait to carry.

Sydney: 00:33:14

You know that you're building something and you're doing

Sydney: 00:33:16

something that other people.

Sydney: 00:33:18

Support need their support for and depend on it.

Sydney: 00:33:20

So that's great.

Sydney: 00:33:21

It's a good, it's a good step to have.

Annie Davis: 00:33:24

That's right.

Kristen: 00:33:25

Cool.

Kristen: 00:33:26

Awesome.

Kristen: 00:33:27

Well, Annie, last question.

Kristen: 00:33:30

What's one skill that you've developed around your business finances that has

Kristen: 00:33:33

made the biggest difference for you?

Annie Davis: 00:33:37

I think hiring, like we've talked about hiring some

Annie Davis: 00:33:40

people that are more professional and know what they're doing.

Annie Davis: 00:33:43

That's very important.

Annie Davis: 00:33:45

I've separated my money, which for me was like, it was like the easiest,

Annie Davis: 00:33:53

but like, also probably one of the simplest things that like easiest,

Annie Davis: 00:33:58

but like hardest, I guess, is what

Sydney: 00:34:00

it is.

Annie Davis: 00:34:01

Decisions to make.

Sydney: 00:34:02

That's a great

Sydney: 00:34:03

one.

Annie Davis: 00:34:04

Yeah.

Annie Davis: 00:34:04

Cause when you're getting all your money deposited into like

Annie Davis: 00:34:07

your joint account, you're like, Oh my gosh, I got a lot of money.

Annie Davis: 00:34:10

And then you're like, wait a second.

Annie Davis: 00:34:12

All of a sudden you feel poor.

Annie Davis: 00:34:13

And then you're like, wait, where did it go?

Annie Davis: 00:34:14

So I think just knowing that, like just trying to manage where it's,

Annie Davis: 00:34:20

where it is, where it's going I've been tracking my business, which has

Annie Davis: 00:34:25

been very, that's like a bit like money to me, doesn't make sense.

Annie Davis: 00:34:28

Numbers don't make sense to me.

Annie Davis: 00:34:30

People make sense.

Annie Davis: 00:34:31

Big guides, like I'm a nurturer or I'm a pioneer connector.

Annie Davis: 00:34:34

So like big ideas make sense to me.

Annie Davis: 00:34:37

And like relationships make sense to me.

Annie Davis: 00:34:39

Numbers sound like a different language.

Annie Davis: 00:34:42

So that has been probably a big game changer for me is just like tracking

Annie Davis: 00:34:48

where numbers are, what's happening.

Annie Davis: 00:34:50

Business that's getting issued, business that's pending, that kind of thing.

Annie Davis: 00:34:54

And knowing when I'm getting paid and how much I'm getting paid.

Annie Davis: 00:34:56

Like those are things that, I mean, Kristen, you and I used to say

Annie Davis: 00:34:59

like, we don't know how we get paid.

Annie Davis: 00:35:00

We just get paid.

Kristen: 00:35:02

It's just like magic.

Annie Davis: 00:35:04

It's like magic.

Annie Davis: 00:35:05

It just like pops into my account.

Annie Davis: 00:35:08

I wish

Kristen: 00:35:09

I could rewind.

Annie Davis: 00:35:11

I'm still very much so like that, but I'm working on being a big girl.

Kristen: 00:35:16

That's great.

Kristen: 00:35:18

Well, thanks for being with us today, Annie.

Kristen: 00:35:20

If anybody wants to follow you or has more questions about your insurance

Kristen: 00:35:24

business, where can they find you?

Kristen: 00:35:26

online, or what's the best way to contact you?

Annie Davis: 00:35:29

So you can find me on Instagram at the at symbol Davis life

Annie Davis: 00:35:34

group or on Facebook at Annie Davis.

Annie Davis: 00:35:37

You can email me at Annie at the Davis life group.

Annie Davis: 00:35:40

com.

Kristen: 00:35:42

Thanks.

Kristen: 00:35:43

Yeah.

Kristen: 00:35:44

Thank you so much for coming on.

Annie Davis: 00:35:46

Thanks for having me girls.