In the spotlight today is Kim Curtis, President & CEO of Wealth Legacy Institute. She speaks passionately about the topic of financial literacy. Kim’s story starts with a red paper ticket for school lunches and a heap of student loan debt that began her journey to becoming a CEO of a wealth management firm. She has shared the stage with astronaut Buzz Aldrin and been featured on the jumbotron in Times Square. She has advised State Governors, national TV personalities and even cage-fighting superstars in the UFC.

You’ll love her passion for her award-winning highly personal client-centric planning model, and her holistic approach to integrated wealth management – which she says anyone can learn and adopt.

I know you will enjoy her stories and advice, whether you are just getting started or nearing retirement.

In this episode you will learn:

• The impact of parental beliefs and early experiences on one's relationship with money
• The importance of taking control of your financial destiny and the power of self-belief
• How you do money is how you do life
• Women's financial roles
• Transforming a complicated money mindset into a confident one
• The importance of financial education
• How to instill healthy money beliefs in the next generation

A little about me:

I began my career as a teacher, was a corporate trainer for many years, and then found my niche training & supporting business owners, entrepreneurs & sales professionals to network at a world-class level. My passion is working with motivated people, who are coachable and who want to build their businesses through relationship marketing and networking (online & offline). I help my clients create retention strategies, grow through referrals, and create loyal customers by staying connected.

In appreciation for being here, I have a couple of gifts for you.

A LinkedIn Checklist for setting up your fully optimized Profile: https://www.janiceporter.com/linkedin-training.html

An opportunity to test drive the Follow Up system I recommend by sending a FREE greeting card (on me): www.sendacardeverytime.com

Connect with me:

http://JanicePorter.com

https://www.linkedin.com/in/janiceporter/

https://www.facebook.com/JanicePorterBiz

https://twitter.com/janiceporter

Join our Relationships Rule community on FB here:

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Mentioned in this episode:

LinkedIn Ad

Hi, everyone, and welcome to this week's episode

of relationships rule. My special guest today is Kim

Curtis coming to us from Denver, Colorado. Yes, Denver.

I'm right. Yes, yes, yes.

And actually, my daughter is there right now,

I've never been to Denver, but I hear it's beautiful. So welcome

to the show. Kim.

Thank you. Glad to be here.

I am quite interested to talk to Kim Kim

is, is considered one of the world's foremost experts in

building wealth consciousness, I think, from what I understand,

and we're gonna get Kim to tell me more. But Kim has a holistic

approach when it comes to money. And I think is also very

passionate, I would say about women and money. So if I'm on

the right track, Kim, I would just like you to share with my

audience a little bit about your journey, and you're passionate

about that.

Happy to i i am a CEO of a wealth management firm.

However, my journey was nothing like that to get here. It was

not something in my 20s I thought that I would be doing.

Yeah, you were a lawyer, right? At first, I do have a legal

background. That's right. But if I were to go a little earlier

than that, okay, my mom got divorced when I was a teenager.

And she got full custody of three teenage girls who had no

employable skills. And so she applied for and received

government assisted school lunches for us. And it was a red

paper ticket, kind of like, it looked exactly like those raffle

tickets that we use today. That was a ticket that I had to hand

to the cashier. And that shame associated with I'm the poor

kid, everyone knows I'm the poor kid actually carried through

into my young adult life. However, my mom had something

very important to her daughters. And that was the value of

education. And she would say you make sure you get your education

because no one can take it away from you. And she said that

because she got married early because my dad got drafted into

the war. And by marrying early before she finished high school.

She and then moved to New York. So that was her journey that she

put on us. So I, you know, went to undergrad went to law school

and right out of law school, defaulted on my school loan

debt. I had no business understanding anything about

what default meant to my credit report. And today's dollars, it

was about $92,000. And so I already felt I don't know if

it's a victim. But I definitely felt that money was not in my

favor. And that it was for other people. Certainly not me.

I hear you. Yes.

So when we think of the listeners and viewers, how

many of them you feel that way? That money is that that we're

completely unconscious around money? Not self aware?

Yeah, I have a story around money too. And

it's, it all stemmed from my father. And so I know we all and

it took me a long time to rid myself of that story. Because I

actually one of my mentors, the CEO of Send Out Cards, actually,

he has the saying that stayed with me for so long, that the

stories in your mind become the stories of your life.

That's so beautiful.

And it's so true. Because it's I had this story

for so long, about money. And it was you know, I mean, I've

obviously over the years because money was something for me, that

I a stigma of some sort for me. I've I've talked and read stuff

about money and talk to people and I've done some work on

myself around money and so on. I'm still not the best when it

comes to, you know, I'm a spender, not a saver. And and it

comes from so many expressions that my father used to say when

I was a kid. And But ironically, the story is almost similar in

that, not that my parents divorced, then not not that

early in my life. But we moved from England to Canada, when I

was little, and my father with the land of opportunity, and

starting again and wanting to build from scratch and so on.

And my mom had gotten married really young to, you know,

because my father was in the service. And, and so she didn't

have an education, but neither did he because he had had to go

to this into the war. And he was very bright and he always used

to say about the education, you got to get an education. It was

a very same thing as you but there were other things as well.

But this isn't about me. This is about you. So but it's I think

it helps the viewers if you're willing to share what

some of those messages that he would say, oh Have you had cars?

I'm sure we all may have heard the same thing?

Well, I'll give you a couple. There was one that

was, well, there was always the, you know, money doesn't grow on

trees. But there was also it's not a crime to be poor. It's a

crime to look poor. That was a scary one. Actually, when you

think about that, that's a double edge. Yeah, totally. And

I never forget that. You know, it's not a crime to be poor.

It's a crime to look poor. Wow. Well, okay, I'll give you Well,

I don't I don't want to say the sun here. I'll tell you later.

But there was you know, that probably filtering my father's

story a lot. You know, that that whole thing. But anyway, yes.

There's, there's lots of them. But But what's interesting is,

and I'll segue over to you, because when my father died, and

he died young, he was 63. My mom didn't know how to write a

check. She didn't know anything about money, because it had

always been Don't worry, honey, I'll look after it. That was

another one. Don't worry, I'll look after it.

Materially as women, whether it was our fathers or

our husbands?

Yes. So that was huge. And, and I think that you

must have come across that with, with women as well. Like, okay,

so how, how did you go from, you know, the law to was it was it

because of that debt that you came through that you started to

find out more about money and wanting to help other people?

It really was, it was the start. But yes. I love

these stories. And I'm sure there's so many viewers that are

just feeling what we're describing right now. And so I

will share my story. And to help maybe the listeners get a better

understanding of what they may need to do or how to do it, or

what are some of the steps. So for me, I had an anonymous

donor, pay $1,000 on my school loan debt. And because I always

say that if your head is in the sand on money, your head is in

the sand on other areas of your life. Because how you do money

is how you do that money is this invisible thread that navigates

our human existence, on everything we touch. So if our

if we are unconscious and not aware of money, recognize that

there are you are walking asleep in other areas as well, whatever

those other areas may be. So the reason I say that is a fact that

I opened the statement to notice that the bill went down was

itself a shock to me. Yes. So. So what I ended up doing because

it was anonymous, is I had to ask those questions to myself, I

couldn't go to them. What do you want from me? Or what do you see

in me that I don't see in myself? Yes. And that really was

the key question. Because who am I? Who do I want to be? What is

it that they see that I don't see. And it was almost Janice,

like a snap, really. And the snap was conscious, like I was

unconscious, so the snap was awake? Because what I recognized

at that point of that question, is that, oh, my gosh, someone

believes in me, why don't I believe in myself? And then who

do I want to be? And I think it was at that moment that I

realized, you know, events happen in our life that we have

no control over. But we do have control over our responses to

those events or our choices that we make, and that dictates our

outcomes. So I think recognizing that I was in control of my

destiny. And that snap, made me awake, that from that point

forward, recognize it was a journey. It was a journey. And I

just kept believing in myself, trust myself, trust myself,

trust myself. So you know, and the lot of mistakes along the

way, but that was the start, was I'm I'm going to be awake in

this area. And I'm going to take ownership for this debt. Okay,

and I'm going to figure out how to pay it off. And once you're

awake to it, you can't deny it anymore. Right? Right. And that

was the start of my journey to get out of debt and to really be

responsible around money. So it was over a decade later that I

ended up in finance. Okay, and I ended up in finance from a quiz.

Okay, so how many of the viewers you know, no people in human

resources or have taken all of those tests about what is the

career that would best suit our needs? Um, And so I took those

quizzes and my friend said, you know, personal finance is an

area that may be a good place for you. And because I my area

of expertise and law was negotiation, mediation

arbitration, I understood how to hold the container for couples

or people to have conversations that are difficult to get to the

other side. And when we think about money, and couples, yes,

it's a skill that works really well. Yeah, and oftentimes

people come to us, one of the spouses may not feel like they

have the ability to voice their opinion, or to get what they

need, and particularly the conversation around money. We

men created money back in the day for the exchange of goods

and services. We were not part of that conversation, nor up

until recently, could we even get a credit card or get a job

without our spouse's signature?

I know, and I read that in your in some of

your things that I looked at, and it took me aback, I got

married. My starter marriage, I was very young. And I remember

when I had my first child, and became a stay at home mom, or so

I thought for it was going to be forever, but the picket fence

fell down. But I tried to get a credit card when I was on my

own. This was when the credit Yeah, that's right. When my

marriage broke up, I tried to get a credit card, and I

couldn't get one. Because my husband had to sign it or

something. And we weren't together anymore. I'm like,

what? Yeah, I remember that.

Well, when we think of our grandmothers and our

great grandmother's, they had a stash. Yes, yes. Yes. And that

stash was not for opportunity. Yeah. Yeah, that stash was

protection.

My mother did that. My mother did that, too. I

remember because, you know, she got money from for groceries

every week. Was she take a little bit and put it aside for

her?

Yes. Yeah. So when we think of where are we with

money today, that the idea of the conversation around

investing is actually not a real touchy, feely, interesting

topic. So we don't necessarily lean in as women. But we do Lean

In when we talk about our family, and our aging parents,

and the education of our children, and the things that

are most important for the collective of the family. So

that's why

Yeah, no, go ahead. That's why

so so so like, we think of Maslow's hierarchy of

needs, right? The bottom. So you know, food, clothing, shelter,

the top is self actualization? Well, if you put that into

wealth management, or the work that I do, the bottom is people

come to us for managing their money. Okay, kind of male

directed. Oftentimes, it is the spouse, the man who are making

that first introduction, our job on that next rung of four rungs

is to tie it to a financial plan, tied to goals, things that

are important to them, that bring the women into the

conversation. Now, these are sweeping generalizations that

we're doing gender, but to bring them into the conversation about

goal achievement. Because if you invest without a plan, it's like

archery without a target. When the markets go up and down, you

have no idea what that means to you specifically, unless it's

tied to a plan. So goal achievement tied to a plan that

third rung as you go to the four rungs is, wow, I can finally do

this, I've been saving all my life. And now I could step off

and live in it. And that moment in time, when someone realizes

that all the work that they did before allows them to make

different choices moving forward through retirement is emotional.

Yeah, it is really a deep seated feeling that people have on who,

and that's peace of mind, to know that they could live on a

certain monthly dollar amount. And when you have peace of mind,

you could take a big breath for the pinnacle, which is impact

or, or legacy or fulfillment. But think about it. We're here

on this planet with our unique gifts and all the things that we

have to offer the world and most of us are just on this hamster

wheel trying to save, trying to get out of debt, trying to do

all these things, when in essence, our job is to be at the

pinnacle to do our life's work.

I've got to say though, it's two things. I've

got to ask you about one instead it's much harder today. Right

with you know, trying to trying to get to that that goal because

everything has gone up so much and it's crazy that but the the

piece about women and money. I've met a few young women

lately who are into real estate development, and there's just a

couple that I'm thinking of are like amazing young women who

have it all too. Are seemed to have it all together in terms of

money and investments and you know, real estate is their

thing. But what's your take on these young women today? Because

I think it's amazing. They have a completely different take on

things. They don't see that, you know, they can't do that,

because they're a woman, so to speak.

Yeah, I believe that to be true. Two things to that

comment. Two thoughts, is, this is the first time that that

economists are saying that the next generation will not do as

well as the generation before it. So that's new data. Yes. And

then second to that, I like to say that if you give me a 20,

something, I can turn them into a millionaire. Think about that,

give me a 20 something, and I can turn them into a

millionaire. What that means is the time value of money, it

means a lot of different things of how to get started early. The

first though, which is how this whole podcast started, we could

use the word mindset if we wanted to, or beliefs, or trust.

But it really is the value of who you are. Ultimately, all of

this comes down to your self belief of who you are. Do you

love yourself? Do you respect yourself? That's where it

starts. Because the women that you're describing, didn't have

the baggage of our great grandmother's, our grandmothers

and our moms. I saw my mom. Now she ultimately became a

successful realtor. So I saw her bust her butt. Yeah, to do well.

And so I saw hard work. But think of the women today saw the

boomer moms, and we're like, I don't want to do that. Right. I

don't want to work for the man, so to speak, climb the corporate

ladder not be available for their children. So what is an

opportunity that can give them flexibility of time, and that

they're in control of their destiny? And that is what you're

seeing is more side hustles and real estate, which is something

that they could actually physically see. Yeah, that feels

a little easier. I personally, because my mom was a six

successful realtor. I see real estate down the road, not a

first thing. The first thing if you wanted to own a home, and a

lot of them don't want homeownership for the residents,

primary residence, they want the flexibility of travel. Yeah,

yeah. And yet, historically, homeownership has been the

creation of wealth, for the lion's share of we'll talk about

just in the US, because in other countries, it's not as easy or

it may not have appreciated as much, or homeownership is not

really part of their culture.

Mm hmm. Well, we include Canada, because I'm from

Canada. Yes. Yes. So there's something else I want to ask

you. Because I also noticed that you, you're a bit of a celebrity

I saw, I saw news footage of you on so you are the expert on so

many traditional, you know, cameras, not commercials, but

new spots on TV, you are the expert that they call on

different places. You've shared the stage with Buzz Aldrin, I

actually met him at a Science Center in California. And, and

you've been on the Jumbotron in Times Square, you have worked

with celebrities, and leaders and high level people. And I

want to know, I'm curious, I'm curious, but I'm also a

celebrity hound in a sense, like I'm, I love when pop culture and

things like that. But what interests me is okay, did you?

Did you have a desire to be famous, so to speak? to famous

people, right? Or did you just fall into that? Or was it?

There's no such thing as luck? I mean, there's no coincidence.

There's, there's hard work to get to it, too. So that's why

I'm asking how did that part of it come to be?

Your the first person that asked me that

question. So I appreciate that question. I would have to say

that I fell into it. Okay. So I, to the extent of of my

expertise. Yes. And my legal background, made it easier for

me to show up in certain places to help people that were in

need, or needed a course correction that elaborate a

little bit. Yeah, like governors of states. When they get out of

office. They're actually starting over a little bit.

There's a lot that goes into what they are involved in as

they exit their office, probably

getting into it too. And then they probably have

to dive, divest themselves and so on. If they were

people a little bit or payback people, they they all

these friends and people that supported them during their

terms. They then have to make sure that that you do the right

thing. And so there's lots of different steps that are Hold on

that and then I just happened to understand that and I happen to

be available for making that happen for a few people.

So it was okay, but let's just without I'm not

trying to be rude, but I'm just curious to say, okay, it didn't

just happen in the sense that I believe, and I'm gonna guess

it's not what you it's partly what you know, but it's also who

you know.

Of course. Yeah, absolutely. I mean, that is part

of it. And then the other is name recognition. I mean, you

know, the UFC, you know, cage fighting superstars. That's a

little different, you know, like, how did you know what

happened there? And that was really a referral. That allowed

and they have different and each one is very different. They have

sponsors that support them the way they have sponsors.

So just elaborate a little bit that you helped

what that you worked with them?

You know, cage fighting superstars in the UFC?

Yeah, you know, because they have sponsors, and they get a

fixed monthly amount of money, and yet they have to train and

they get injured. And so how do you navigate that monthly dollar

amount so that they can actually have a lifestyle that's

appropriate, and be able to take care of themselves? Personally?

Yeah. Interesting. So very different. Yes. The governor?

Yeah. To us. Yeah. Latson Buzz Aldrin. I mean, he's, he's so

funny. I mean, he is a really funny guy.

He's a character I.

That's a great word to describe him. And you know

what, quite frankly, he's remarkable that he's still

showing up and still doing things related to you know, you

said he often makes a joke that he was the first one to take a

selfie. That was on the moon, you know, that famous pic iconic

picture of him. You were the reflection of him in the camera?

Is his first selfie. So? Yeah, like really a great guy.

What would you say is your proudest moment in

your career?

You know, when I talked about the pyramid? Yes,

we call that the planning for life pyramid pyramid. Because

that's our process called Planning for life. I would have

to say that when I see clients at that place, that when we

finally when they see the plan, they finally see where they're

at. And they finally ask bigger questions of themselves. I could

cry.

Yeah. So how, how long a process does it is it

normally to get people there? Is it a few months? Is it does it

take a year to get

depends on availability of time, but

generally within six weeks that that is answered,

okay. Now, are you still doing that work?

Yes. Yes, we still and I am still doing that work.

Although I did just get back from Beverly Hills. And I did a

red carpet, which was so much fun. Oh, that was I've never

done that before. And that was with my collaboration. In my

book with Jack Canfield. He is the CO creator of Chicken Soup

for the Soul. He's amazing. Yes. And I wrote a chapter in the

most recent book that came out in July of keys to authenticity

is the book. And I wrote a chapter in there called Money is

looking for

you. Oh, I love it. Okay, and so

the red carpet was a result of that book hitting

bestseller status. Oh,

fantastic. Who where was it? Where was it? One

of the hotels?

Yeah. The Beverly Hills Hilton. Oh, iconic. Is

that? Yeah.

Yep. My parents used to live right near there.

Oh, yeah. And we used to I think it was the was it the Hilton is?

Is that the one where they have the Golden Globes? Yes. Yes. So

my dad and I, this is many, many years ago, we used to walk up

Wilshire to the Beverly Hilton when the Golden Globes are on

and just hover in the hobby and lobby so we could just start

star gaze, our gaze. Yeah, that was fun. Back in the day, but ya

know, that's so that's so congratulations. That's

Thank you. The award was called the Quilly. Award,

which the same people that make the award for the Golden Globes

and the Oscars do the Quilly.

Okay, cool. So the feather pen Aquila. Yeah,

I don't know if you could see it in my screen behind

me. I just, yes. I just got it last week. So it's like, where

do I put it?

Yeah. Perfect. Yeah. Move it. Move it

more this

bit this way? Yeah. But it's very cool.

Congratulations. So cool. Thank you. So a couple more questions

for you. One is that you, you do talk about and I don't know

whether you want to go through the six steps but that you look

at six steps to change one's relationship with money so that

they go and I liked this piece from complex cated to come to

confident. So maybe just highlight what, what are the

biggest pieces that that help someone go from complicated with

money from complicated to confident?

You know, I think the number most important one is

to not be afraid of the languaging. We didn't create it,

but to embrace the curiosity around it. And what I mean about

that is educate yourself around money. And probably the very

first thing which we talked about is be awake. Yeah, don't

let someone else take the reins of money with you just trusting

that. It is a collaborative effort.

That just took me right back, right back to my

father saying, Don't worry, we'll look after it. I'll look

after it. Right. I just took me right. Because that has haunted

me throughout my life.

So if you have if you are working with a financial

planner, or advisor, and your spouse is showing up, and you're

not, that's a mistake. You need to go to those meetings. And

when they say, oh, it's boring, you don't need to go. Yes, you

do. Yeah. Yeah. And on the tax return, you need to look at the

tax return. And be a part of that conversation and meet with

the CPA, so that you understand what's going on in the

household.

Yeah, it says all of that stuff, right. And then,

and then I mean, I can see I have two daughters, ones like

me, ones like her dad, once a safer one. suspender is just is

that personality, that's got to be partly personality?

Well, there is something innate about that,

however, money we created, and it has no value other than the

value we give it. So I think it's more values driven, then

perhaps innate, yeah, that makes sense. Because our values evolve

over time. So if you think about, that money is looking for

you. Instead of I need money, I need money, no money need you

because it has no power other than the power we give it, I

love

this money is looking for you.

So if you think about that, as women, we're

generally the ones doing the budget in the household. So we

we know what we're spending Yeah, we just are not embracing

the investment side of the longer term objectives, we think

that that should be someone else's job. And we think that

they're capable of doing it, they're absolutely not

necessarily capable of doing it. They just feel like it's their

job to like mowing the lawn or whatever. And they don't know

any better. They really don't know any better. So it's really

important that you don't put that burden on that person.

Right. And you share the burden, not only of that, but then share

the burden of the household expenses be so that you don't

get blamed for spending too much. They probably have no idea

how much really is spent in the household.

Right? So let me ask you this, just this just

came to me because I have a little four year old

granddaughter who's the light of my life, and yeah, what's the

message I should give her about money?

Oh, it's all about empowerment. That money, money

is good. That what you do with money allows you to do good

things for others. And really, the myth out there of what our

parents or grandparents or others may have said tied to

beliefs that are not true. And the more that there is girl

empowerment around money and choices, the stronger she will

be, which is what we talked about with the 20 Somethings.

Yeah, they already got it. Most of them.

It's funny, because she had two incidents.

Last week when we went we had a garage sale in the neighborhood.

And she she came over to visit and and she said, Oh Grandma,

why don't you have your garage open? And you know, I said,

because I didn't want to do that. But would you like to go

to the garage sale? I said, here's $2 Let's go we'll go

shopping and see what you can find. And so that was one and

then the other one she found some money on the playground.

And so I told her to to we washed it because I wash it and

then we have I said why don't you put it in your piggy bank

but at for it's not doesn't mean anything at this point. But you

know, a little bit of spending a little bit of saving, trying to

know a little bit of both. So I thought that was kind of fun.

And you know about it.

When I have a daughter and son they're young

adults 25 and 23. But when my son he played lacrosse and what

I we would go to a secondhand store and you would see a lot of

lacrosse helmets. And those helmets go for over 100 bucks.

And they would be at Goodwill or whatever aarC for five bucks.

Yes. And I would have him get that and then he would take it

to the the second hand store in the high end neighborhood. Uh

huh. To get money for it. So it would maybe it would sell for 75

bucks. Wow. And he would get half the price of that from that

from that store. So he learned how to do something like that,

where the opportunity is. And there's a little work and doing

it. But he learned that that work was important for him to do

so that he had some spending money. So things like that are

really important to demonstrate. And in the beginning, we have to

show them how to do it. Yeah. Whether it be Facebook

marketplace, or whatever, to show them, that making or

earning money is relatively easy. And that's the lesson they

need to learn.

And that's yes, that's a great idea. Because the

first lesson we've learned as we've given away to somebody

else, then because she's got these bikes that she's grown out

of, we gave the Strider bike away, so someone else could use

it and learn how to ride the bike. But the next one, we

probably should sell. Because it's worth more. And that would

be a really good. You know, we're trying to teach her that,

you know, yeah, she wants to keep them both, so she can ride

them both. Well, one's too small for her. Right. So yeah, so it's

it's all lessons anyway, this is just fun. But this has been

amazing. I have to ask you one last question or two last

questions online. One is my curiosity question, because I

love to do that curiosity. And we've talked about this, that

word has come up in our conversation. So it's my

favorite word. I love curiosity. And that's what I think spurs me

on with my podcast being curious. So do you believe that

curiosity is innate, or learned? And part two? What are you most

curious about these days?

I think it's learned. Okay. I think it's

learned anyone can be curious. So And what am I curious about

today? I am curious about so many things. I think curiosity

is the key to success, the more that you don't think you have

the answer, and you're curious about learning more, the more

you'll grow, and being a lifelong learner is part of that

success ticket. So I am really curious about where we will end

up as it relates to capitalism, and conscious capitalism, and

how we will change the conversation about corporations

just focusing on profit for the shareholders, versus focusing on

sustainability and adding back to the earth and the things that

are important to our planet. Because we're all connected.

We're all one. And the more we learn to understand that,

outside of our rugged individualism in this country,

and Canada, we kind of have the same culture is really will be

an interesting thing to unfold.

Thank you. And any last words for the audience?

Love yourself. Learn to love yourself. Learn to trust

your instinct. Learn to trust who you are. And once you know

that you're already enough. Everything else falls into

place. Believe me.

I love it. Thank you. Thank you so much. Thank

you for your wisdom. Thank you for sharing some fun things with

us as well. And you were a delight to have on the show. I'd

much appreciate you being here. And to my audience, thank you

for being here. And being loyal. Please. If you love what you

heard, please leave a review and let us know. I will leave Kim's

info and her books and how you may get ahold of her I'm sure I

know. Kim's on LinkedIn for sure. And her wealth sorry,

wealth

legacy Institute,

the wealth legacy Institute. I'm so sorry. If

you're in the United States, you might want to check it out. So

thank you so much. And remember to stay connected and be

remembered. One