The Better Boundaries Podcast

Financial Wellness with Amanda DeLaney

January 16, 2023 Bria Wannamaker Season 3 Episode 139
The Better Boundaries Podcast
Financial Wellness with Amanda DeLaney
Show Notes Transcript

If finances are stressing you out, take a listen to this episode to feel more supported and motivated. Amanda has a incredible way of breaking things down to help you feel empowered and capable of regaining control versus continuing down the scary unlit path of debt, lack, and scarcity. In this episode, Amanda openly shares her health and wealth journey; she includes everything from being a single mom, to caring for family members, to leaning on her husband for support. Amanda talks about the importance of taking care of your physical and mental health, as well as the importance of taking care of your finances.
 
In today's episode, we discuss:

  • Core beliefs
  • Mindset, spending behaviours, & relationship to money
  • Motherhood and family 
  • Physical health
  • Mental health
  • Intergenerational patterns and habits

Connect with Amanda:
Instagram
: @financialfixher
Website: https://financialfixher.com/
Podcast: https://open.spotify.com/show/5pJjHwBjg4L8KKpEP6A3uP?si=b13dccc1ac10473b

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Staring in January 2023 I'll be releasing a podcast episode every Monday! Here's what you can look forward to in the New Year:

  • Getting to the root cause of physical symptoms with Tracey @thehealingpoint._
  • Setting boundaries with your family with Victoria @victoria.metal
  • Sex, spirituality, and leveling up with Emily & Megan @opentoitpodcast
  • From neglected to respected with Victoria @victoriakleinsmanofficial
  • Human design with Korinna @threefivebydesign
  • Anti-depressant medication and self-love with Laura @theselfset & Andrea @ahensrud
  • And so much more to share with you soon!

Bria Wannamaker, RP.
@betterboundariespodcast
www.briawannamaker.com

Support the show, buy COFFEEEEEEEEEEEEEEEE!!!

As always, please remember that these podcast episodes are for educational purposes only and are not a substitute for medical healthcare or mental healthcare. Podcasts are available as an educational and entertainment resource and are not advice, recommendations, or suggestions. Please seek out the necessary professional services if you require assistance.

Woke up one day and was like I am making more money now than I was last year in the double. Like I doubled my income from year to year one time and. I was still broke, 

Welcome, Amanda. Thank you so much for being here. I appreciate your time. Thank you so much. I appreciate your time. I'm excited to be here. I can't wait. Well, OK. So I guess maybe first, can you give the audience a little bit of background on you? And that's such a broad question, but maybe like what you do for work, what your family life is like? What kind of relationships and connections are the most important to you? OK, yeah. So I'm going to, I'm going to try to remember all those, all those those points. But I think I'll, I think I'll start with kind of who I am and where I'm from. So my name is Amanda Delaney and I'm the founder of financial fixer and I'm from Seminole, FL, which is just right down the street from the coast. It's beautiful where I live. I love the water and I love we go. We watch a lot of sunsets on the beach with our little guy and my my teen daughter that still lives with us. I'm. I'm a mother of three, so I have my eldest. So I've got like a big swing. My eldest child is in college down in South Florida and she's 20 and my middle one is 15. And then I've got a four year old boy. So we're very busy and I guess I'm a mom of all spectrums of age and stage. So, and sometimes I forget about that. And I'm really like, you know, we're we're hard on ourselves, you know? And I had one of my friends, one of the women, beautiful. Beautiful person that I am network with a lot and we're like kind of like entrepreneur buddies. And she said we were having a conversation one day and she was like, Amanda, you have to be a mom to like. Did such different people like at the same time like, and I was like, Oh my gosh, yeah, that is quite the 

balance, you know, because we're like so hard on ourselves. Anyways, sorry, I went off on a tangent on that. No. Do you know what? I'm so happy you brought that up. Like I think that's really important because other people are in that same boat and or maybe they will later on find themselves in that boat and we are really hardened ourselves because your identity, you view yourself as, I'm a mom, like these are my kids, but it's an adult. Child, a teenager and a young just past toddler stage, that's vastly different. It's. It's so wild. So I think that's incredible and love that you can take a SEC to pause and be like, huh. Yeah, yeah. And that. And that's The thing is that it's the current, right? So it's like the current situation in the present time. But if I think about what kind of mother that I've been throughout this, their ages, right. Like from the time that I was 21, the day after I had my first child. I was a child having a child. So therefore I was a very different mother than, than I was with my second child. And then especially now that I, you know, with my third so, and that also brings me to my financial journey, right? So in my 20s I was a freaking hot money mess. And a lot of it was from being misled about how to manage money or having misunderstandings or being misguided. And it's not to pick on my parents. You know, but, but they learn from their parents and they learn from their parents. And it's just this legacy thing that I realized at one point and I have a lot of few back stories on when I was like at rock bottom versus when I had my aha moment of like, OK, I don't want to be, you know, broke right for my whole life. And it was a lot of me like reflecting on what others were doing in their lives, you know, in my my environment and with my family and things like that. But ultimately I, you know, woke up one day and was 

like I am making more money now than I was last year in the double. Like I doubled my income from year to year one time and this was back in 20 late 2014, early 2015 and. I was still broke, and maybe the word broke is a trigger word for some people, but the reality of it was is that I made good money and I should have been doing well and I was still living paycheck to paycheck. And I'm finding this is a very common problem. Sometimes it's the way we're raised. Oftentimes it is something to do with our childhood that we've, you know, we've learned habits and things like that. But a lot of it is, you know, some of our internal beliefs about ourselves and our worthiness. It could be it's it's very much a mindset thing, but we confuse it. We confuse the mindset and our mentality with the math, and we think we just have a math problem. And I'm a finance major. Graduated with my finance degree back in 2011. And as I said, I didn't get my **** together until, and I hope it's OK that I say **** on here. Please do. Yeah, me out of you have to. No, that's great. So, but when I decided to get my **** together, it was like years after that I knew the math. I knew how to run numbers. I understood money right. But I. Wasn't it wasn't in my heart yet that's that's where the missing link was, is I didn't have a good enough reason to get my financial act together. Yet, and once I did, when I realized, OK, I've lost my home to the to the foreclosing the to foreclosure during the housing crisis, right. I squandered away money that I maybe like that I refinanced my house. And I squandered money away when I was supposed to utilize it for this, to put it back into my house. And, you know, just different things that 

I started to realize were a repeated pattern. Right. And those are the things that I focus on as I coach and teach and, you know, in my program, but you know. I once I started to realize OK first I need to know what's really going on with my money. I that was that was the the whole like the AHA moment and you know OK I'm learning about what what's really happening with the math here. How much credit I have outstanding how many what my balances are all that stuff. But it took the reason. Why I didn't want to continue that pattern for me to continue and to actually crush over 6 figures in debt and to be able to leave my 9:00 to 5:00 and all that. So that's where the core is, is. And so I guess I'll go back to why I started my children. At the time, I was a single mom. And so my my message is very much speaking to single moms because that's where I was when I was in my my, my financial trauma, my, my most pain. Right. That's where I felt the most pain. And I still do. I'm still hanging on to some of it. And I I believe we always will. We we're on a healing journey, right. And. So, but I I realized I don't want my daughters to have to take care of me because of the mistakes that I've made over time and time and time again. And because now, Fast forward to present day, I unfortunately am very burdened by, I'm the sole care manager for my grandparents right now and it's about killing me. It's affected my relationship with my husband. I mean it, you know, he's amazing. But we've had our moments. He's been helping me a ton and and taking some load off of me at home so that he can take care of my, you know, so that I can go take care of my grandparents. 

And. You may get me thinking, what does this have to do with money? It has everything to do with money. Because my my grandparents, they're beautiful people and they were so lovely and wonderful and giving. But they didn't take care of their finances and now they're in a position where they're at my mercy. And that is no position for somebody to be in. I don't want to be in the position to where I, you know, I'm dependent on in that way. It is, it is a, it is a burden to bear. So. And and now I'm, I'm I'm fearful and I have concern about when my mother and father right because they're getting to that stage. OK. So there's there's a do you see the cycle? I mean, you're feeling me right and you can sense the passion and the pain. I mean, it's it's, it's current. And. I my daughters are not they will not be burdened by me. I'm rewriting my legacy so that is my why. I hope that that was helpful. Clarity and some story behind it that's so amazing because OK for a number of reasons. Thank you for sharing all of that. And I think so I love that you say it's not about the math necessarily. You're like I knew all that and there's just so much psychology and science behind you know our our spending behaviors in the way that we relate to money and. Wow. Yeah, interesting because you said I needed a good enough reason to, you know, like, get my **** together and it's like most of us are walking around 

and we're like, I have a good enough reason. Like, I'm broke. I hate, like, scraping by, living paycheck to paycheck. That's a good enough reason. Like, I'm trying. And then there's this whole other piece, but it's like, are you really, though? Are you really? Do you have that? Why? To break out of your patterns, which is what you're saying. I don't want to pass this down. Intergenerationally. So that's massive. I think if we think about it that way of what happens after us and I think there's probably an impact to the point where you know in therapy lately I've had, I feel like quite a few clients coming in and saying I don't know if I want kids or I don't think I'm going to have kids and which is OK and I wonder if our financial situations have well, I don't wonder. I know that. Our financial situations definitely have an impact on that. About people questioning, you know, should I even have children? Will I be able to provide for them, or are they just going to go through the same hurt and heartbreak that I've been through? So that's incredible. Thank you for sharing your wife. Yeah. And it's got to be something that keeps you up at night. It has to be, because otherwise you will throw in the towel. It it's just with anything that you're trying to get better at or grow at or develop or become a master at, you know it has to be something that hurts. So you have to get to the core. So when we work together with them working with clients or or those that are in my program. It's yes, we're running numbers, we're doing the math because that is like just it's a piece that we, it's an awareness piece. But at the end of the day, we can do math all day. We can read books all day, we can study. But until we apply. And have a good reason to stay the course in 

the application process. Incorporating and implementing over and over and over again consistently. There's. It's done you if we're not doing that, it's not gonna work. And so I have a second why, my first one obviously for why I got on my financial journey and said I'm going to crush that and I'm not going to be bossed around by any person, entity, bank, credit card company, toxic relationship, JOB. 

That was my children. I I was like, I'm. I'm, I'm not going to, I'm going to be able to be the boss of my money because I have to have control over my life so that I don't hurt my children, right. So that's number one. So the second why and this goes and leads into why I do what I do, why financial fixer was born. Is. I know my trauma and. It's not the same as anyone else. But so far I'm right about the fact that I'm not the only one. That has major financial trauma and especially as a woman and how much we care about security, how critical it is for us to be stable with our finances and be financially fit, right. And. I was once on welfare. I mean, I have been in the dumps, I lost a home, didn't have a place to go at one time, was definitely eating a lot of ramen noodles, which, oh by the way, nothing's wrong with ramen. I freaking love ramen. But anyway, it's a cheap food, OK? And. I cannot stand the thought of other women going through that type of trauma. So that's my why for why a financial fixer will be successful and will be a household name and will help millions is because. This is something that is very needed and very. Error. That it's happening, it's not fake. You know, we might not want to talk about it or we might be, you know, like, I mean, I know I was hiding behind a white picket fence for a while personally, but it's a real deal. So there you go. That that's so important. I love that you have two deep wise behind it. And I saw on your website too that and just when you were talking now that's what sparked it, when you were talking about we have to, you know, integrate what we've learned. Like you can read all the books, you can know all the stuff, but until you're practicing it and practicing it consistently, just like setting those boundaries and whatnot, you're not going to get anywhere. You will be in the same. Situation. Or maybe 

you will get out of your situation, but the pattern and habit is going to come back. So I saw on your website about the stopping and starting like in your own journey, and that takes so much to implement, all of those different things. Can you go through a little bit of that or what that might look like if you're working with somebody, what it looks like to start certain new things and stop the old stuff? Ohh yeah. So if so if you're referring, are you referring to a little bit of like habit change? Yeah. And yeah. OK, so I actually don't say have it changed. Not that that's a bad thing, but I actually don't say it because when you think about a habit, a habit is something that is. Deeply rooted. It's something that you've probably been doing for a long time and that is most of them are subconscious. So we're oftentimes, you know, just in these habits of things, whether it's a good or a bad habit, we're just in a habit. And to break a habit is nearly impossible. So what I do is I talk about, you know, creating new behaviors and having a system in order to implement those behaviors and practice. Behaviors. So as you practice new behaviors, which the core of what I do is and what I teach is of tracking your spending and your you know, just all of your financial behavior in general gets tracked. And as you do that for a certain period of time, what happens is, is those behaviors that you've been practicing and practicing consistently now become a habit and when those habits. To take hold, those old ones that are deeply rooted can finally die off and get pulled up and unrooted, right. And it's a process, it's a lifestyle, the same as fitness, you know, rural, you 

know, right. I mean, you listen that is. And I'm very aligned with fitness. It's that's I'd say my deepest passion is health and Wellness. And so I talk about it all the time. We can't, you know, get our finances. In order. If our health and Wellness is not in order and vice versa. Like it's it's it. They're very aligned. Me personally, when I got onto my financial journey, I realized that as I was working on that my health got better. You know, I I was drinking less. I was eating less crap. Like it was just so weird, you know? And it just. But it's crazy because it took a while for me to even realize or recognize what was changing, you know, because again, it's a process and that's why I focus on tiny wins. So I'll go and I think you may have been kind of asking a little bit about my framework. So I'll go a little bit into framework if that's OK Oh my gosh, how I help. Yeah, I love that. And before you do, the tracking piece is so. Interesting. And because I think that we all know that's something that we quote, UN quote should be doing. And then I even look like from a psychology and like relationships perspective at attachment styles and, you know, I know I'm an avoidant person and attachment. Like if someone's coming to me with all their love, I feel safer when there's like a little bit of distance, I can have my own personal space and then I notice I'm the same way with finances. It's like. When you said tracking something in my body like clamped up, I was like, Nope, no, not doing it. Like, I don't, I don't know, reaction 100%. I was like, no, that's we're not doing that. And just avoid it in that sense as well. It's like if I don't see it, it's not there, but it is there. It's just, it's just bigger and it's just hiding. It's just this big cloud that's like over here and we don't look at the cloud. So 

that's do you see a lot of people that are avoided or haven't like looked at their finances or are there people who come to you and they're like, I track everything, I use like this groceries I go for these sales, what's it like? If people in that sense I I'd say that the majority that come to me are not in the in the behavior or the practice of tracking. Now they may be very organized with list building and or you know ordering groceries, things like that. Or they may be acting in frugality, right. I don't really even like the word frugal because it's like a trigger word too. But anyways. But they may be saying I'm not really spending a whole lot of money on myself, I'm you know, or there could be a relational issue which is you know. There's a partner that could be involved that's causing issues or you know, it's. I think we we both have a piece right in in every case, regardless of someone being a spender or a saver, OK, but you mentioned the overwhelm and not wanting to look and wanting to avoid that is a big one because. When we do not have enough information. We we don't feel in control. OK. So it's like we're not in control of that thing and when we don't feel in control of something, we're going to repel it. And you know, or just feel this resistance, right? Like you're constantly like OK, I'm. I'm I'm trying to do this thing and I just I keep getting resistance and resistance and resistance and that's because you don't have enough information or enough awareness. Right. And so that's why when in so this does lead me into the framework stuff. OK. So great job with that beautiful transition yeah. So when we first our first step is. First of all, it there is a there is mindset work that we do, we first find out. What's going to happen if 

you take action and if you don't take action, who's who's going to be affected at the cost of inaction, right, or the benefit of action? OK, so we we get to learning for ourselves because you may think OK I don't want to be in, I don't know if you're a student loan debt, but I'm throwing this out there because I was in big student loan debt personally. So anyways and there's person may think. Yes, yes, it's big. So a person may think getting out of student loan debt, I just don't want to be in student loan debt because it's causing me stress, right. But you, you're, you're focusing on that or that stress related thing, but not really realizing, you know, you're not able to kind of realize what your goals are, right. So you're kind of like just like I don't want to be stressed, I want you know, I just want it out of my life. But then if you don't. Say, but I need and this other thing that gets me excited, right. Something that you can like you know see a target or have a vision, right. So we create that vision awareness. In the beginning it's like OK you know and you know you can say, OK, goal setting this and that. It's more than just goal setting it's it's it's understanding really what your core values are and what you what you want to do with your life. You know like there's there's more to it. Than that and that. And that is a shifting thing as well. So you start somewhere. You find yourself on the map with what your goals are and what you and who's going to pay if you don't act and who's going to benefit if you do act. And you know, then you have that right and you're like, OK, this gives me a reason to start. And then once we start, then we'd start digging up the numbers. We get very clear on what your net worth. That's and this is, this is getting into the strategy. 

OK. So for I call it the three pillars of financial fitness, OK. So that the first, the first pillar is your foundation. Your foundation has so much to do with you and your why and your reason and your health and your Wellness, right. And you know, really understanding what your foundation is right now currently. Is it stable, is it unstable, is it healthy, is it unhealthy, right. And so getting to that core and then finding your why and then the plan is the second pillar of financial fitness. That's the strategy, which is of course finding learning the numbers, knowing your net worth know, digging up debt and knowing exactly what your debts are, deep diving into debt and then the next one is yours is putting your system in place. I call it simple simplified system and that's where you're reviewing your audit comes in. Which is. You can't get on a good, well working oiled machine without a system that's like actually able to operate. And until you really know what your behavior is consistently, you're not able to shift those behaviors, right. So you take a good hard look and do an audit with spending and from that point we get on a budget, but the budget, and I know this is also another word. That's trigger worthy, right? It's OK, true. Yeah, because it triggers me. Like actually just recently I hadn't been saying the word budget for quite some time because it's just for some reason it's an ugly word. Anytime I think of budget, back when I was in corporate and I was a manager, budgets were bad, you know, like. So it's just, so I do say spending plan, that's more of it's, it's more terminology that's that I'm comfortable with. But I'm like, you know what, I'm going to twist budget. That's why I have my budget boss. 

Boot camp, my five day challenge, because the reality of it is, is that we all need to be on a budget, right? But there's a difference between a budget. And budgeting. Big difference, right? So you can create a budget all day. You can say this is what I've got coming in, this is what I've got going out. This is my monthly, you know, zero based budget and this is what it's going to look like. But until you actually like, start implementing the numbers and just plugging the numbers, right, and stop fudging the numbers. And how do you stop fudging the numbers? You practice, you practice, you practice because you may be fudging numbers. And when I say you, I'm talking about anyone listening. You may be fudging. Fudging the numbers and not even realize it. It happens all the time when I start a budget with someone, they'll say. You know, like if we if we didn't do a full review right, this happens. OK. I spend $400.00 on groceries, that's that's my category. And within the first month if we've done a little work together or done a five day challenge together or something like that or had a had a you know a call. They're like, I I went over and groceries by like $200.00 and I swear it's, you know, nothing. I wasn't doing anything different. Well, that's because you were fudging numbers, not on purpose. You know, it's just not a full awareness of what's really happening. So I hope I I over teach, I'm sorry. I hope that that was good, that it's incredible. I love that. And I think when you're talking about those steps that you take, I could see personally in myself and then I could see in other people getting stuck at step one like the foundation and just not like you said, having enough awareness to go through the other two so I could. See the benefit of working with you and just having that guidance and that support through those next two steps of yeah, 

like, yeah, you've got your goals, you're even, you know, people get stuck before the first step. Like they're not like working on their health and fitness and getting enough sleep, drinking enough water, like the basics to be able to function and have that cognitive functioning too, you know, go about the world. And it's really interesting that you incorporate like the piece about goals and just when you were saying like someone might have a lot of student debt and then they also have, but OK, where do you want to be because that's going to overflow into helping you pay that off versus just focusing on the stressor. And you know that's what we do. We get stuck focusing on the stressor. So what's that like when you work with clients? Do you have a couple tips for people that they can like start today just to take shift their focus from that stressor, that loan? You know, like I know personally I was told that loans are bad, that like any type of credit is like bad. I didn't have a credit card until I was 25. Like I was just brought up like which is very privileged. It was just brought up that like you shouldn't be in debt, you shouldn't be. Owing any money. But like there comes a point especially like when you own your own business like that that needs to happen. It's not again, not optional depending like, but anyway, so coming from that perspective, it's so hard to shift my own personal focus from that. And then I have friends who I know have student debt and then you get costs on top of that are like the surprise your car broke down. So how do we shift our focus? From that stress, those ****** moments where it's like very heavy toward what serves us, what's 

fueling us, what makes us feel good and be able to operate in life. Yeah. So I'd say what the shift, the big shift is going to be the starting because you may sometimes we may be thinking that we've started something but we really didn't you know like it. It just kind of maybe we we took it in action but it wasn't like a full process. So in my 5 day challenge we do step by step by step by step do this finished task finished. Ohh you get points. I mean we even do points and contest. Drawings and the whole thing because we want to be rewarded, right? So. And we have to do something to get reward. I mean, we're talking to the fitness people here, so why do we go and work out? Because we want to be rewarded with food, I mean, and some kind of, you know, rewarded with the way our body feels or looks, right, like the gratification. So we've got to kind of align that with when it comes to our money too. So, you know, but I'd say the first place. Start is to. 

Get the awareness piece under your belt, which is absolutely 100% whether you like it or not doing the hard things. And because we, because you mentioned debt, I'm just going to talk about debt and not even about the budgeting side, writing down every single debt, largest to smallest, every loan, every credit card balance, every balance, correct balance, no fudging numbers right from largest to smallest. And then from and then put your minimum payment not the payment you're making because you might be making more of a payment you know like to overpay on your credit cards to pay them down and that's fine. But we want to know what the minimum payments are for each one of those outstanding balances, OK. And then from that point you just put your interest rates next to them. If there is any interest bearing debt and this is non mortgage debt, I'm referring to not mortgage debt. OK, so. Once you do that, then it's all it's all there and it's true. Then you have facts, right? And. You will suddenly mark my words. Reach out to me if this doesn't happen to you if you take these steps and it doesn't happen. Mark my words though. You will feel this sense of relief like a million pounds was lifted off your shoulders. Because all of a sudden, you know you now know what's really going on. And once you know. You're in the driver seat now. You can put the destination in the GPS at that point. Now you can turn the key and start the ignition right. You're in control now and you've taken the wheel. Prior 

to writing it all down and getting fully clear. You're just. Whether it's avoidance or fear or anxiety, overwhelm stress. 

The problem oftentimes in our mind is much bigger than it is in the reality. Because our mind will manifest and blow things up. Because it doesn't know enough. Like I said, when we don't have enough information, what do we do? We start to go in different directions. That's what anxiety is. Anxiety is the fear of something happening that really. Oftentimes doesn't happen anyways. Right. And ends up never, never happening. Isn't that crazy? Like you're just like, you know, you're like, ohh, well I worried about that for nothing. You ever have to have a hard conversation with somebody and you're like full of anxiety and stressed about it. And then suddenly you have that conversation and it's just like, well that was easy because you blew up this whole idea. The idea in our minds is not what's really going to happen, you know, but if you sat and journaled and this is in reference to speaking to someone, having a tough conversation, but if you set and journaled. About like the what ifs and the if nots right and ask yourself like how could this go? What are the pros and cons? You'll just make it so much easier and relieve your stress just because you're just like what what's the worst can happen? They could kill me. You know, like think of if you really think about it. So I mean and you're not going to die from debt now if you don't want to have a life with debt when and when? I mean, what I mean is it's debt that stresses you out. And to your point about the feelings of how debt is bad and that's how you were raised, you have a lot of good points there. The thing with debt and when I'm referring to debt, I am referring 

to consumer debt, installment debt, things like that, is that you're at risk. It's a risk. It doesn't mean that it's all necessarily bad. It just means that the more you do it, the more you're risking. And when you live at a high risk, you might be able to have a high reward, right? High risk, high reward? Yes, I get that analogy. But. You might have a bad downfall because your risk was too high. And that's the thing with debt where you if you if we're someone that can't. 

It's going to sound bad coming out, but I'm just going to say it can't be trusted, right? If we can't be trusted with ourselves and a lot of us can't, we have that temptation about us and we need to go through stages of recovery so that that temptation gets minimized and minimized over time, right. So for someone that does utilize debt but then is trying to get on a budget and meet their goals of getting out of debt and such, saving up so they can leave their nine to five. Whatever the goals are. Utilizing debt is probably not a good idea, right? Because it's continuing the same habits, but after six months to a year of crushing it, you may be at a place where. Utilizing a little debt is OK you know because you've got it under control. You're on a budget. You know what you can afford every month, you're on that zero based budget. Like you you know what's coming in you know what's going out. So using a little debt for this or that or to keep your credit score high so that you can buy a home, you know if you have that goal right. So that's The thing is it's it's very it's different for everyone and which is I'd say the reason why my program is successful is because it it can apply to so many. Different scenarios. I'm not cut and dry with everything, but my base, my basics of my foundation in my framework is the same. And then we build from there by creating our the life that we desire. You know, like rear financial redesign, so to speak. Oh my gosh. OK. You know so much. I think it would be incredible to work with you. Can you share all your info? Like where can people. Yeah, where can people join these amazing like challenges? You're Speaking of your boot camps and just work with you. I don't know if you do one-on-one group style. Yeah, I want to know everything. Cool. Yeah. So I do. I do one-on-one. Yes. And that's how I started. I mean, and I love my one-on-one clients. Like we're still besties like so many of my clients that aren't with me in programmer right now. But, and a lot of them are in my ongoing group coaching programs too. But with that, I do have a group coaching program. It's called the financial fix her Academy. But someone needs to qualify to be in the financial Fixer Academy. If they've gone through my 

five day challenge, which is my budget boss boot camp five day challenge, then they would qualify for the financial Fix for Academy. Because here's the thing. You know I I want someone to know exactly what I do and how it can benefit them and really work. Like I want them to see get their wins before they stay in my program. That's that's just just the rules that I've got in place you know what I mean like they they have to get their wins I have to see them making progress and you know so there's there's an application process so with that I do have a free community called the financial Fixer community which you are part of thank you and. So that would be the first offer only because right now my budget boss boot camp is still going on and I don't have my new date set but a new one will be coming probably in November, right before Thanksgiving. I was going to have one in October. But because this, the hurricane came and I had to pause the boot camp that I was doing last week which at this time today is October 4th and I was doing one last week which started on the 26th and I had to pause because of the Hurricanes. So we restarted yesterday with day three and we're on day four today. So I'm super pumped. And day five is tomorrow. And yeah, so I just feel like doing 2 challenges in one month, you know, like I'm just like, let's just, OK, next challenge will be in November. So with that, anyone that's in my group, my community, my free group, the financial fix, her community, which is easy to find on Facebook, will be informed of. The budget boss boot camp and also of course that can be found on Instagram at financial fixer. Ah, that's so good. Thank you for sharing. And so do you do a boot camp monthly? Right now I am because I love them. Like here's what's crazy is I've done challenges in the past and I just started doing these consistent consistently. 

These are my my signature, this is my signature front framework, my signature program. And I just decided on that only a month ago because it was so successful the first time around. I was like I was actually going to wait to to repeat it until two months later and it was so good that I was like. Have to do it again. And I'm not even burning out, you know, because we burn out when we do too much or whatever. And because it just, it just put a lot of systems in place and it's working on the back end and I'm just showing up and teaching and having such a good time. Like I'm loving it. So right now it's kind of on the monthly track, but it may go to like every 90 days type thing. It just kind of depends. I you know, I'm an entrepreneur, I can just change my mind whenever exactly right now that's. What I'm loving doing, and I believe that the I'm getting more women especially help this way, this, this is this right now, is my primary focus because I feel that I'm helping the most that I possibly can through continuing to be consistent with this program. Yeah, that's huge. And I love that you said that about like, I can change my mind, I can pivot, I can do what I want. And you're like, not only that, in doing what works for you and just. Being flexible, because I think that's the most beautiful thing about entrepreneurship is being able to have that flexibility, but also you're listening and serving a need. So that's so cool. And yeah, thank you, thank you for being here. This has been. I appreciate you having me.