Hey there,

We all know this topic yet it's the most uncomfortable thing to talk about.

DEBT

Can be so crippling and depressing.

Can destroy lives.

Can destroy families.

Can poison relationships.

Some people know how to handle it right away and some people are trying to run away from it their whole live, without success.

In todays episode David Lee and I will be shining some light onto this ugly little beast.

When you have the right guide with you on board you can boil this debt monster right down to its original size and handle it more gracefully :D

with love

Aurora

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Free yourself from the ongoing destructive inner chatter become the strongest most authentic version of yourself.

Let’s dive in and find out more about this juicy topic that will most likely affect you in one way or another. 

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Unknown: 00:00:00

Hello, and welcome to the Borealis experience. I'm so

Unknown: 00:00:04

happy to be spending some time with you today. And today we'll

Unknown: 00:00:08

be talking about

Unknown: 00:00:10

your financial health.

Unknown: 00:00:12

Enjoy this interview.

Unknown: 00:00:15

I announced it on Facebook the other day that I want to talk

Unknown: 00:00:20

about financial health, I feel financial health is something

Unknown: 00:00:24

that gets neglected, all too often when it comes to mental

Unknown: 00:00:30

health and our overall well being. So I met David a couple

Unknown: 00:00:37

weeks ago, and he shared with me that he just became a financial

Unknown: 00:00:44

coach. So I don't believe in coincidences. I think the

Unknown: 00:00:48

universe brought him to us. Today, he will share with us a

Unknown: 00:00:53

little bit what inspired him to become a financial coach, and

Unknown: 00:00:59

maybe a little bit of his experiences with his own

Unknown: 00:01:03

finances without going too much into detail. What I learned when

Unknown: 00:01:08

I moved to North America here is that people are inclined to

Unknown: 00:01:13

spend way more money than they own. It's always the huge truck,

Unknown: 00:01:18

the huge mortgage, the holidays, everything paid with credit

Unknown: 00:01:23

card. And yeah, not really thought of how are we going to

Unknown: 00:01:28

pay it off. So maybe you're not the kind of person who easily

Unknown: 00:01:35

spends money, but if you know somebody, or if you are that

Unknown: 00:01:38

person, then this is for you. So welcome, David Lee today, thank

Unknown: 00:01:45

you so much for taking some time to be with us. And can you

Unknown: 00:01:52

explain a little bit what a financial coach

Unknown: 00:01:56

is

Unknown: 00:01:57

learning to

Unknown: 00:01:58

become a financial coach? And what do you offer to your

Unknown: 00:02:02

clients?

Unknown: 00:02:03

How does it look like?

Unknown: 00:02:06

For sure, I really appreciate you having me on Aurora. And so

Unknown: 00:02:09

what adventure coach does is basically I would be creating a

Unknown: 00:02:14

budget a customized budget for my clients, and figuring out

Unknown: 00:02:19

where they are financially, and helping them to see how they can

Unknown: 00:02:23

pay off any debts that they have. And start to build wealth.

Unknown: 00:02:28

Hmm. Okay, so

Unknown: 00:02:30

from minus from the right numbers into the green numbers.

Unknown: 00:02:36

Exactly. Yeah. And so a lot of the problem is a lot of people

Unknown: 00:02:39

have debt from just from everything. I mean, starting

Unknown: 00:02:43

from student loans, which is where I came from, and then just

Unknown: 00:02:47

mounds of consumer debt, because our whole society tells us that

Unknown: 00:02:51

we need debt and we need we need stuff is what their job is, is

Unknown: 00:02:55

to sell us stuff, whether it's, you know, trucks or vacations,

Unknown: 00:02:59

experiences or just things a bigger house, bigger car. And,

Unknown: 00:03:05

and I think they've done a very good job at selling all that to

Unknown: 00:03:08

us.

Unknown: 00:03:09

Mm hmm.

Unknown: 00:03:11

And I remember last time, we talked on the phone, you

Unknown: 00:03:15

mentioned someone, it was some celebrity who had lost, like, a

Unknown: 00:03:22

significant amount of money, but it still didn't make him a poor

Unknown: 00:03:26

fella. He was still one of the richest people ever, but to lose

Unknown: 00:03:31

money is so tightly. How do you say, affecting our well being

Unknown: 00:03:41

like people can really go through depression, when they

Unknown: 00:03:44

feel they can't get out of debt? Would you agree with that?

Unknown: 00:03:51

Absolutely. I think a lot of times our identity is wrapped up

Unknown: 00:03:53

in that. Yeah. And whether, you know, see who we are by the

Unknown: 00:03:58

things that we own, or just a specific status that we hold. A

Unknown: 00:04:02

lot of times if that gets shaken, you know, what are what

Unknown: 00:04:05

are we left to define who we are? Mm hmm.

Unknown: 00:04:09

Yeah, it's very scary. And I mean, a whole society, like you

Unknown: 00:04:14

said, is built on money, like you have to have that job to pay

Unknown: 00:04:20

the bills. And also, if you lose your job, and you're left with

Unknown: 00:04:25

bills, and you were always good with not having debt, and all of

Unknown: 00:04:29

a sudden, you're struggling with paying your bills. It's like a

Unknown: 00:04:33

huge stress factor.

Unknown: 00:04:37

So you came from a very different job. You came from

Unknown: 00:04:43

engineering, right? And I did that. To do these studies. It

Unknown: 00:04:51

costs a lot of money. How was it for you as a student to I mean,

Unknown: 00:04:58

I guess you American You know, from the get go that you have to

Unknown: 00:05:02

pay a significant amount to get a degree. Are you being taught

Unknown: 00:05:11

how to deal with the debt after you graduate though?

Unknown: 00:05:18

Well, it's funny, because that's the big problem. Yeah. are never

Unknown: 00:05:22

really taught how to handle money. I mean, when I was a kid,

Unknown: 00:05:25

I came from a pretty good family, middle class family.

Unknown: 00:05:29

And, but they never taught me how to money. Yeah. I mean, how

Unknown: 00:05:34

to balance a checkbook. But that was in. So when I was 18. And

Unknown: 00:05:38

going off to college, I signed for these giant student loans.

Unknown: 00:05:41

And it was just like, all of a sudden, I had, you know, $1,000

Unknown: 00:05:46

in my checking account, and what are you going to do that

Unknown: 00:05:48

semester? Yeah. And so I graduated school, I had been in

Unknown: 00:05:53

and out of school, because at first I went through engineering

Unknown: 00:05:56

school, found out I was hard and dropped out for a couple years,

Unknown: 00:05:59

ended up going back to school and finishing with a different

Unknown: 00:06:01

degree, actually finished with a recreation degree. And went back

Unknown: 00:06:07

a couple years after that to finish up a engineering

Unknown: 00:06:09

associates. And so 2004, I had my associates and my bachelor's,

Unknown: 00:06:15

and also had about $32,000 in debt. Oh, my God. Yeah. And so I

Unknown: 00:06:23

never really took my loans student seriously until about

Unknown: 00:06:27

2009 when I was working with a food ministry, and I told her, I

Unknown: 00:06:35

had student loans, you know, at this point, and she asked me how

Unknown: 00:06:38

much I had. And I told her, and then she asked me how much I was

Unknown: 00:06:41

paying per month. And I told her, and she said, you're gonna

Unknown: 00:06:44

have those loans for the rest of your life. And she was right.

Unknown: 00:06:49

And so I figured out how to do something. So I started

Unknown: 00:06:52

searching around and had one buddy that had some kind of

Unknown: 00:06:55

computer program that was going to help you pay off my loans.

Unknown: 00:06:58

And I wasn't quite sure about it, because it costs like 1000

Unknown: 00:07:01

or 15 $100, another buddy of mine introduced me to Dave

Unknown: 00:07:05

Ramsey, and his Financial Peace university course. And it

Unknown: 00:07:08

sounded, it was 100 $100. I think for the course, I ended up

Unknown: 00:07:12

taking that and that's the first time I really learned about how

Unknown: 00:07:16

money works. Everything is just a bunch of ideas and

Unknown: 00:07:21

philosophies, right? The same thing that they tell us every

Unknown: 00:07:24

time safe your future, get out of debt. You know, we know all

Unknown: 00:07:27

this stuff. But the thing is, a lot of people just don't do it,

Unknown: 00:07:30

or they don't know how to do it. Exactly. That's

Unknown: 00:07:36

I found that close to being cruel to to throw a young human

Unknown: 00:07:42

being right into death, after hustling through college or a

Unknown: 00:07:48

university, like, what kind of start into the work? Like the

Unknown: 00:07:53

mindset that you have when you start the work life your work?

Unknown: 00:07:59

How do you say routine? Is Oh, um, I have to pay off these

Unknown: 00:08:05

debts first, because they're going to cripple me for the rest

Unknown: 00:08:08

of my life. Otherwise, and it's not all I'm working towards

Unknown: 00:08:13

having a business or growing it's, it's first No, I'm a slave

Unknown: 00:08:18

to the system. And I find that so mean that? Yeah, there's no

Unknown: 00:08:25

course nothing provided for the students to help them to get out

Unknown: 00:08:31

of it as fast as possible. You found something but it was

Unknown: 00:08:35

because you woke up and you were interested in it. There might be

Unknown: 00:08:40

people with a different mindset with the mindset, oh, I'm

Unknown: 00:08:43

avoiding stuff that scares me. And that I don't know how to

Unknown: 00:08:47

deal with and those people. Like I was taught, right when I got

Unknown: 00:08:51

to Canada, you cannot run away from taxes and from student

Unknown: 00:08:56

loans, ever, taxes I knew from Germany, but student loans. I

Unknown: 00:09:02

didn't know that. It was such a huge part of young people's that

Unknown: 00:09:07

I've here. So very intense.

Unknown: 00:09:12

Yeah, that's totally true. I mean, what you said about being

Unknown: 00:09:14

a slave to your debt. And that's one of the main verses that that

Unknown: 00:09:18

they talked about in Financial Peace is proverbs 22. Seven, the

Unknown: 00:09:22

debtor is slave to the lender. Mm hmm. And so and so you're

Unknown: 00:09:27

just really a slave to those loans that you've taken out?

Unknown: 00:09:31

Yeah. And

Unknown: 00:09:33

ever. Everybody always says that it makes sense to take out

Unknown: 00:09:35

loans, because you're going to make more money in your career.

Unknown: 00:09:40

But the fact is, a lot of people don't even graduate college,

Unknown: 00:09:43

which I didn't the first time. I believe it's 40 people who

Unknown: 00:09:47

attend college don't graduate. Yeah. So they might have

Unknown: 00:09:51

3040 $50,000 in student loans and no degree. But just like you

Unknown: 00:09:57

were saying, yes, you start off on the negative side of things.

Unknown: 00:09:59

Just go Going into your first career? Yeah, six months loan

Unknown: 00:10:03

payments that are gonna come due.

Unknown: 00:10:05

Yeah. When to start a business, you have to loan money, right?

Unknown: 00:10:10

It's not? Yeah, it's, it's not logic at all to me. So you just

Unknown: 00:10:17

started taking on clients? How How was it? Like your first

Unknown: 00:10:22

encounter? Is that like you expected your job to be or or

Unknown: 00:10:27

this experience to be? Or is it a little more trickier? Or can

Unknown: 00:10:31

you see that people are very different minded and to to reach

Unknown: 00:10:37

them sometimes can be tricky, or was it pretty easy going so far?

Unknown: 00:10:43

Well, it's definitely a challenge. And I've coached

Unknown: 00:10:46

people just kind of on my own. I've talked to people before

Unknown: 00:10:50

about saving for the future and betting for retirement. But as

Unknown: 00:10:55

far as when you start talking to somebody about their personal

Unknown: 00:10:57

finances, it's a taboo subject in America. I'm not sure how it

Unknown: 00:11:02

ended up. But people just don't talk about money, or how much

Unknown: 00:11:07

and so to initiate the conversation can be a bit of

Unknown: 00:11:13

troublesome.

Unknown: 00:11:14

Yeah, yeah.

Unknown: 00:11:17

But I mean, there's a lot to finances. And to guide somebody,

Unknown: 00:11:23

when they really don't have any kind of background, it's just

Unknown: 00:11:25

like, I have so much to tell them, You can't do it all in

Unknown: 00:11:28

just a one hour session. So normally, I tell people, it's

Unknown: 00:11:31

gonna be a three or a six month session, session time period, an

Unknown: 00:11:36

hour every month. But there's just so much wrapped up in it.

Unknown: 00:11:39

You know, when you talk about finances, it's not just debt.

Unknown: 00:11:43

It's insurance, life insurance, health insurance, retirement

Unknown: 00:11:48

investments, it's all kinds of stuff.

Unknown: 00:11:52

Yeah, it's a lot to cover. But it is so important to start

Unknown: 00:11:58

addressing. And in order for people to be you say, literate,

Unknown: 00:12:02

like to to know their stuff, and to not turn a blind eye to

Unknown: 00:12:08

something that might be challenging your ego? Because

Unknown: 00:12:12

you don't know nothing about it is not the solution. What would

Unknown: 00:12:18

be your dream? client, maybe so to say? Or do you have an age

Unknown: 00:12:25

group that you're targeting? Or is it people from all kinds of

Unknown: 00:12:29

backgrounds that that you would like to work with? Because

Unknown: 00:12:33

you're just starting out, like, maybe you have dreams or ideas

Unknown: 00:12:38

there, or where you see a need more than, like, maybe for young

Unknown: 00:12:43

people more than for older people?

Unknown: 00:12:47

Well, my ideal client is somebody who has debt, consumer

Unknown: 00:12:51

debt or student loan debt. I would imagine the age ranges

Unknown: 00:12:54

anywhere from 20s to 30s, to 40s. could be any age range,

Unknown: 00:12:59

really, though. But somebody who has been in debt for a long time

Unknown: 00:13:04

and is just tired of it, you know, that saying is you're sick

Unknown: 00:13:07

and tired of being sick and tired? somebody doesn't exactly

Unknown: 00:13:12

have any investments, or if they do, you know, it'd be something

Unknown: 00:13:15

that I don't know, they're just not celebrate. But my job would

Unknown: 00:13:20

be to just take all their finances and basically

Unknown: 00:13:22

streamline the process. So it could be most any person just

Unknown: 00:13:29

just trying to figure out what their budget is and how to make

Unknown: 00:13:32

it work best for him.

Unknown: 00:13:33

Mm hmm. Very good. And do you only work with us citizens? Or

Unknown: 00:13:40

can you work internationally?

Unknown: 00:13:44

I could certainly work internationally. Because I mean,

Unknown: 00:13:47

after all this stuff with the COVID. A lot of stuff is going

Unknown: 00:13:50

virtual. All I need to communicate with with either

Unknown: 00:13:56

video or over the phone, and then some form of payment. And

Unknown: 00:14:00

using Venmo. And PayPal would be just an easy way to do that.

Unknown: 00:14:04

Mm hmm. Oh, that's awesome. Yeah, cuz we have listeners from

Unknown: 00:14:07

all over the world here in case they want to reach out and get

Unknown: 00:14:11

some advice from you. That's wonderful. No, I think what like

Unknown: 00:14:17

the path you're choosing is so critical, so important, and like

Unknown: 00:14:23

very, very timely. Because maybe you have been affected by COVID.

Unknown: 00:14:31

I don't know how your life looked like before, but mine was

Unknown: 00:14:35

certainly affected deeply and my work. And I know I'm not the

Unknown: 00:14:42

only person like a lot of people lost their jobs and don't have

Unknown: 00:14:46

any income but still bills to pay. How was it around where you

Unknown: 00:14:52

live, where people heavily affected by COVID or not so

Unknown: 00:14:56

much?

Unknown: 00:14:58

Well, I think it's all about the same You know, there's a lot of

Unknown: 00:15:00

people out of work. And a lot of people struggling with debt

Unknown: 00:15:03

still. And you can encounter the same thing all over the world.

Unknown: 00:15:11

Yeah, and it's still like very restricted right now.

Unknown: 00:15:16

It's getting less. So I think the thing is, a lot of people

Unknown: 00:15:21

are just kind of getting tired of it, you know, I there is,

Unknown: 00:15:25

obviously, a pandemic out there. But I don't think it's as

Unknown: 00:15:30

drastic as people say it is I got sick December 23. And for

Unknown: 00:15:34

four days, it was really bad. After the fourth, though, is

Unknown: 00:15:38

pretty much just had a nagging cough, and that was about it.

Unknown: 00:15:43

And so our state, Virginia has actually had a whole lot of

Unknown: 00:15:46

restrictions placed on it. There's a lot of other states in

Unknown: 00:15:49

the US that aren't as restrictive. But are has limited

Unknown: 00:15:54

the groups that can get together. And a lot of events

Unknown: 00:15:58

have been cancelled because of it. And so we're starting to see

Unknown: 00:16:02

some signs of it getting better now and those regulations

Unknown: 00:16:06

loosening up. But it's just going to take some more time.

Unknown: 00:16:09

Yeah. Yeah, for sure. Here, too. If you had one or two, that

Unknown: 00:16:16

start with one advice for his student, who didn't have the

Unknown: 00:16:21

chance to win the lottery, or a scholarship was coming out of

Unknown: 00:16:26

university with that huge bag of debt, what would you recommend

Unknown: 00:16:32

them to do? First thing, second thing third? Well,

Unknown: 00:16:41

if they've already been through school, and they have debt, the

Unknown: 00:16:44

most important thing is to is to get out of debt. There was a

Unknown: 00:16:49

study done of 10,000 millionaires. It's in the book,

Unknown: 00:16:54

everyday millionaire by Chris Hogan. They study millionaires

Unknown: 00:16:58

and ask them, how they made their millions how they got

Unknown: 00:17:01

rich. And the biggest thing was to get out of debt instead of

Unknown: 00:17:05

debt. And so if they're coming out of school, I'd encourage

Unknown: 00:17:09

them to take on a second and a third job and work as quickly as

Unknown: 00:17:13

they can to pay off that debt. As soon as they get rid of that,

Unknown: 00:17:20

hopefully, in the end a year or two, then they can actually

Unknown: 00:17:23

start building well.

Unknown: 00:17:24

Okay. Yeah. And that job would be in their field that they

Unknown: 00:17:30

studied, or just any kind of job

Unknown: 00:17:36

where they're going to be looking for anything, whether

Unknown: 00:17:39

it's in their study, or out of study, you know, go buy a lawn

Unknown: 00:17:42

mower and start cutting lawns, pick up a rake, start raking

Unknown: 00:17:45

leaves, work at the start, or anywhere just to make extra

Unknown: 00:17:49

money. It's what I've discovered, too, is, I mean,

Unknown: 00:17:53

I've done all kinds of crazy jobs in the past. And it's not

Unknown: 00:17:57

that you don't make a ton of money is that you need to make

Unknown: 00:18:00

money consistently. And all of those little amounts are going

Unknown: 00:18:05

to add up. It's just a matter of time. I mean, I've been working

Unknown: 00:18:11

with Uber Eats doing food delivery, and it doesn't make

Unknown: 00:18:15

money. But if I'm working extra 20 hours a week, I can get 1500

Unknown: 00:18:20

to $2,000 a month.

Unknown: 00:18:21

Yeah. So yeah, what you're saying is that don't

Unknown: 00:18:25

underestimate the small jobs that you can do in between jobs.

Unknown: 00:18:30

And those numbers will add up. And also be aware of how you

Unknown: 00:18:35

spend your money, marry, like, keep it to groceries and

Unknown: 00:18:40

housing. And don't be too extravagant.

Unknown: 00:18:47

Yeah, totally. And that's another big thing, too, is the

Unknown: 00:18:49

budget. Yeah. household has to have a budget. And some people

Unknown: 00:18:54

say, Well, I don't make enough money to have a budget. But the

Unknown: 00:18:57

truth is that the household has money in it. And there's two

Unknown: 00:19:02

arrows into the budget when that goes out of the budget. So you

Unknown: 00:19:06

have to figure out where that money is to go and work with it

Unknown: 00:19:10

and do it on purpose. On paper every month, every month,

Unknown: 00:19:15

budget, write it out, and then stick to the budget. Yeah, and

Unknown: 00:19:19

the great thing is doesn't really limit you. You can put

Unknown: 00:19:22

whatever you want to in the budget. But the thing is, you

Unknown: 00:19:24

have to stick to it.

Unknown: 00:19:29

No, very, very good. No, I think that's great advice. And and

Unknown: 00:19:34

with those Yeah, little jobs that add up to a good month. A

Unknown: 00:19:40

good amount monthly. That's something Yeah, maybe you have

Unknown: 00:19:45

to cramp your style a little bit. Your ego, you know your ego

Unknown: 00:19:50

who is saying no, I'm not going to deliver food. I'm not going

Unknown: 00:19:53

to mow the lawn. But if there is a need and if You have the

Unknown: 00:20:00

willingness, then you will always find people who want to

Unknown: 00:20:05

pay for your services, and then you pay off your debt with that

Unknown: 00:20:10

little bit of money that adds up. That makes total sense.

Unknown: 00:20:14

Wonderful. Very, very good. Is there anything you would like to

Unknown: 00:20:20

add? At the end here, any advice or anything that you've learned

Unknown: 00:20:28

about money that maybe surprised you that you were absolutely not

Unknown: 00:20:32

aware of when you went through your coaching program?

Unknown: 00:20:38

I think the most important thing is to pay attention to it. Man,

Unknown: 00:20:44

my whole adult life, I never really took my student loans

Unknown: 00:20:47

seriously. And you were talking about earlier is when people

Unknown: 00:20:53

just kind of ignore their their debt. And I've been there I've

Unknown: 00:20:57

done that at hand, a lot of times, it can be shame, or

Unknown: 00:21:00

embarrassment, lack of knowledge, or just

Unknown: 00:21:03

procrastination. But the truth is, it's not going to go away

Unknown: 00:21:06

unless you actually face it, or writing it for is the first

Unknown: 00:21:11

realization to this is an issue that I haven't any dissolving.

Unknown: 00:21:17

So I guess most importantly, don't ignore it and attack it as

Unknown: 00:21:21

fast as you can and get it out of your life. Because you're

Unknown: 00:21:24

gonna have to be here sooner or later, like you were saying,

Unknown: 00:21:28

student loans, student loans aren't being profitable. So even

Unknown: 00:21:32

if somebody gets double, and they try to get rid of their

Unknown: 00:21:35

debts that way, that's the one kind of loan that you can't get

Unknown: 00:21:38

rid of. However, you have it for life. And so my recommendation

Unknown: 00:21:44

is just to take care of it. As soon as you can here. That'd be

Unknown: 00:21:47

life and start getting on the positive end of earning interest

Unknown: 00:21:49

instead of having to pay.

Unknown: 00:21:51

Yeah, beautiful. Very, very good. How can people find you?

Unknown: 00:21:57

Do you have a Facebook page? Or is it just word by mouth?

Unknown: 00:22:05

Ask my wife,

Unknown: 00:22:07

my own personal Facebook page right now, I'm kind of hard to

Unknown: 00:22:10

find, but I am going to put up a business page. Yeah, still

Unknown: 00:22:13

working. I believe I'm going to make it debt free forever. with

Unknown: 00:22:19

Facebook business page, get that up and running.

Unknown: 00:22:21

Yeah, that's very, very cool. So we'll keep in touch. And you

Unknown: 00:22:26

will let me know as soon as that page is up and running. Because

Unknown: 00:22:30

I know I'd be interesting, interested to find out what you

Unknown: 00:22:34

can maybe give for advice and tips. And people could just get

Unknown: 00:22:40

a message to you and ask you questions or make appointments

Unknown: 00:22:44

to make it like I feel you are like a flashlight, shining onto

Unknown: 00:22:51

a space, a shadow that most of us all are trying to never shine

Unknown: 00:22:58

any light. Because it's so uncomfortable. If you sit there

Unknown: 00:23:04

and suddenly see those numbers, it is scary. It freaks some

Unknown: 00:23:09

people out. And if they can contact you and talk to a person

Unknown: 00:23:15

who is very calming and soothing, then it makes the

Unknown: 00:23:18

stress less and then yeah, people can feel more confident

Unknown: 00:23:25

in attacking that. That little beast called money, or debt. Is

Unknown: 00:23:32

there anything you would like to add before I wrap up? Or do you

Unknown: 00:23:37

feel we covered everything? Regarding fine?

Unknown: 00:23:42

touch the surface and all this stuff? What I've gotten into

Unknown: 00:23:46

lately is is retirement, you know, and you can't start

Unknown: 00:23:49

contributing to your retirement until you get that debt out of

Unknown: 00:23:52

the way. But the sooner you get to that, you know, the better

Unknown: 00:23:57

off it's going to be. If anyone has any questions for me, I'm

Unknown: 00:24:00

more than welcome to just talk with them. And given a couple

Unknown: 00:24:04

minutes, see if they make a good client, see if we're a good fit.

Unknown: 00:24:09

Now they can find you through your page or once they get that

Unknown: 00:24:12

business page up and running. They can go through that to

Unknown: 00:24:14

Wonderful,

Unknown: 00:24:15

thank you so much, David. And I'm sure we'll keep in touch and

Unknown: 00:24:21

maybe do a second episode here soon. Yeah, thank you so much

Unknown: 00:24:26

for listening to the Borealis experience and David Lee on my

Unknown: 00:24:31

show today. I really hope you enjoyed this episode. I feel

Unknown: 00:24:36

it's very crucial to take money, your financial health into

Unknown: 00:24:42

account when it comes to your well being. Alright, take good

Unknown: 00:24:46

care of yourself. And I'll be out there very soon again for