Let's Be Honest with Kristin Cavallari - The Money Rules I Live By

Episode Date: October 13, 2026

Money can be a taboo subject, especially for women — but I’m going there. In this episode, I’m talking openly about my relationship with money, why financial independence has always been so important to me, and the mindset that’s helped me build, make, and protect my own wealth. I’m sharing the biggest money mistakes I’ve made — including lending my dad hundreds of thousands of dollars that I’ll never see again — and the lessons I learned about boundaries, knowing your worth, negotiating, investing, and never becoming financially dependent on someone else. Plus, I’m getting into the difference between making money and actually keeping it, why money doesn’t buy happiness, and how shifting your mindset from scarcity to abundance can completely change the way you approach money.If you care about chasing the bag, protecting your freedom, and becoming a woman who knows her worth, this one’s for you.Sam Edelman: Visit us at https://samedelman.com to explore everything you need for Fall and get 15% off with code HONEST15Salt and Stone: Try Salt and Stone’s discovery set to find your signature scent — Go to https://SaltandStone.com/HONEST and use code HONEST at checkout for 15% off your first order.Nutrafol: See thicker, stronger, faster-growing hair with less shedding in just 3-6 months with Nutrafol. For a limited time, Nutrafol is offering our listeners $15 off your first month’s subscription and free shipping when you go to https://Nutrafol.com and enter the promo code HONESTNeurogum: For a limited time, you can get 20% off your first order at https://neurogum.com by using code: HONESTLululemon: Go to https://Lululemon.com to check out the new collection. And if something doesn’t work for you, free returns, always.Clean Safe Products: Go to https://cleansafeproducts.com/HONEST and use code HONEST for an additional 15% off the Green Mitt Starter KitCookUnity: Go to https://cookunity.com/HONEST or enter code HONEST before checkout for 50% off your first week.For more Let's Be Honest, follow along at:@kristincavallari on Instagram@kristincavallari and @dearmedia on TikTokLet's Be Honest with Kristin Cavallari on YouTubeProduced by Dear Media.This episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products, or services referred to in this episode.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The following podcast is a dear media production. This is Let's Be Honest with Kristen Cavalry, a podcast all about getting real and open on everything from sex, relationships, reality TV, wellness, family, and so much more. And just a fair warning, there will probably be some oversharing. Welcome, welcome. I hope everyone is doing amazing. We're going to have some fun today. ladies, listen up. Not just ladies, but my audience is primarily female. And I just think that today's conversation is good for women to have. We're going to talk about money, money, baby. Women don't talk about it enough. I think there's this stigma around women and it's changing,

I will say. But I feel like it's so normal and respected and appreciated when a man wants money or like is going out in the world and chasing money and working his ass off to get money. And if a woman says it, it's like something's wrong with her. I mean, I can tell you, I have always been driven by money since I was really little. I don't know if that's the Capricorn in me. I don't know if that's because my dad actually had a really good influence on me as far as like work ethic and teaching me at a young age that, well, actually, Well, yeah, I think my dad really instilled in me that if you want something, you got to go out there and make it happen for yourself. Like, no one is going to do it for you. I also learned that just with how I grew up. I learned at a very young age. If I wanted something, I had to do it myself. And so I've always been aware of money. I've always wanted money. I learned in high school that I never wanted to rely on a guy for money. I saw the dynamic with my dad and my ex-stepmom around money was loud and pretty telling for me.

It was a pretty toxic dynamic. And I just always knew that I didn't want that kind of relationship where there was lying. To me, it felt like maybe she was staying because she didn't have any other options because she didn't have any money. And I just knew as a woman, I always wanted the option. I wanted to be with a man because I wanted to be with him, not because I needed him. And so anyways, okay, so I'm excited to talk about just, there's so many things that I want to say about money. But here's what I'm, what I want to start with is I really, this might be a little woo-woo for some people. But like, in the spiritual world, right?

they say how much money you have is a direct reflection of how you feel about yourself on a deep level. And I sort of am starting to believe that because I think it's knowing your worth and your value, right? And if you don't have that, if you don't feel valuable, if you don't feel like, if you don't feel worthy of it, of course you're never going to have it. So it's really important. And by the way, this episode is for people who care about money. Some people don't care about money. We all want different things in life. And I love that. And that's what makes life so beautiful. This is specifically for people who care about chasing the bag, baby, because I have always cared about it. I love, I love making my own money.

it's like one of my biggest accomplishments is that I'm a woman and that I've been able to make this life for myself. So that's what I'm talking to right now. But it's, it's an energy also, right? And it's like it's your belief system, which is manifestation, which is sort of everything in life. You could take the word money and you could probably with this, reinsert love. You could probably reinsert health. You could probably like, well, I don't know. That might be wrong. After we have this whole conversation, I might regret saying that. But my point is, it is your internal belief about money. And we all have a different belief system around money, typically from how we were raised and society and gender and, you know, like there's so many

different factors that go into it that are going to create your belief system around. money. So I don't know where this came from, but I had it in me at a young age and in high school, I think I've said this on the pod before. So I apologize if you've heard it before. But I remember saying to my dad in high school, I said, that's crazy. The more money that I spend, the more money that I make. And he laughed at me. And he was like, I really hope that holds true your whole life. And that's... that's always been my belief system. And in the spiritual world, they say, if you look at money like energy, it has to be flowing. So you have to put money in to get money back, which I didn't

realize that at the time when I was, let's say, 16, but now I understand that concept where it's like, whatever you're, whatever you're focusing on is only going to enhance. So if you're really worried about money and you're trying to hold your money so tightly, you will experience scarcity more so than being free flowing with money. What book did I read? What book was this? I read a book. I can't remember now. But they said if you are worried about money, the best thing you can do is go shopping. Go spend money. Get out of your head. And listen, I don't want you guys to sit here and be like, oh, I've never had to worry about money and this and that. Everything is relative. I just want to paint that picture for you. I have had moments in the last six years, aka since my divorce,

where I've had to really think about money. And I will say, and I've had moments of not being worried. If I start to be worried about money, I'm really good at flipping it. And I also, something that I like to tell myself to get myself out of that is it's money. You can always make more money. There is always more money. It's not like all of a sudden money is gone. Like, if you really want to make money, you can figure out ways to make money. But the thing is, when I had that mentality of like the more money I spend, the more money I make, I wasn't just consuming. I wasn't just spending money. I was working. I was actively working. And the difference with me is I always wanted a job. I got my first job when I was a freshman in high school at a Bikram Yoga

studio because I wanted a job. Not because I needed one. I wanted to make my own money. And then I became a hostess at this place called Salt Creek Grill in, it's actually Dana Point, but it's right there on the cusp of Laguna Beach and Dana Point because I wanted to. And I remember my dad being like, you know, you don't have to have a job. And I was like, no, I know, but I want a job. I've always loved making my own money. And because I don't, even at the time, I didn't want to have to ask my dad for $20, $40.00. Like, if I want to want to. something, I want to have the freedom to be able to go out and get it and do whatever I want with my money. To me, money was always freedom still is to this day. And it's like an independence.

Like, oh, I could never imagine asking someone for money. And so I think the energy around it is, I think for the universe to reward that mentality, you have to have action and you have to be doing the thing. You can't sit on the couch all day and watch TV and spend money just assuming you're going to have money fall from the sky. Like, you have to be doing the thing to get the reward. And I also think, like, good things to say, like, just to, if we're going to try to retrain our belief system around money, like, things that you can say are like, money loves me. Money loves me. Like, money loves showing up for me. These are just like things that you can start saying every day until like you actually start to believe this because I really do. And that's why I feel like

I'm talking to the women in this episode. I think it is so important for women to have a nest egg because it is your freedom. It is your safety net. It is your get out of jail free card. Like if you as a woman get yourself into a sticky situation, aka you're with a man. And And you don't have another option. But let's say he's not a good guy. Maybe he's abusive. Maybe he's cheating on you. Maybe he's just a piece of shit.

Maybe he's just negative. Maybe he's a narcissist. Like you don't want to be in this relationship. But if you don't have anything to your name, you don't have any money, like you can't even go, you know, like get a hotel room. Like he has, he pays for your credit cards. So like he's going to be able to track everything that you do and you're just trying to get away. Like that's why I want a champion for women to have their own thing.

It doesn't even have to be much. It just has to be enough that you have options. Money is freedom. Money gives you options. Now, as far as the nitty gritty goes with money, there's a huge difference between making money and keeping money. A lot of people can make money. I think the hard part is being good with your money and keeping your money. And so, because those are two different skills, right?

You know, and depending on your job, like, I just think of like the entertainment world, obviously, like athletes, like some of these things, you get like big lump sums, but then you don't know the next time you're working or not even athletes. Athletes, it's more like you get big lump sums up front. And if you're getting, let's say, 15, million dollars a year for eight years, you sort of think like that's going to be forever. And then all of a sudden you retire and you have no income. And these men are used to living a certain lifestyle and they don't know how to reel it in. Like that's why I think a lot of

these athletes become alcoholics and they go broke because they don't know how to keep their money. Entertainment, same thing. Like you don't know the next time you're going to get a check. And so I think that's why that happens a lot with people. But obviously, like, investing. Like, I invest a ton of my money. I personally have invested in different brands. If you guys follow me on Instagram, then you know, Coconut Coal, I invested in years ago. Gato Dates, the Chroma Cleanse, Thrive. I invested in Thrive Market a bajillion years ago, like when they first came out, which is great. And then I know I'm missing another one. I know I have another one in my portfolio. Fuck, like, and I don't think about it. But that's like,

those are ones that I've gone to my business manager and been like, hey, I really want to invest in this company. And then my business manager also invest my money in a ton of, a ton of stocks and all those other financial things that I honestly, a lot of that stuff is over my head, which I've done my due diligence and I've like really tried to like understand all of that stuff. And I do. But like, you know, stocks and bonds and all that jazz. But I also pay someone who knows what they're doing because I wouldn't be able to do that on my own. But I do obviously like oversee it. And we have multiple meetings a year. So I know what's going on. Because if you're letting someone else handle your money, it is very important that you have a pulse on it and you know exactly what's going on.

All right. Let's talk about cook community. You guys know I love to cook. But sometimes if I've been traveling, it's really hard to meal prep, go to the grocery store, do all the things and actually have time to make a great meal. So occasionally I will lean on Cook Unity. Cook Unity is the first chef-led meal delivery service that makes your meals and small batches inside local microkitchens across the U.S., so not factories. Every dish arrives with the kind of freshness you'd get at the restaurant itself. You guys are going to want to try this. Everything is so good. I just recently tried the Mongolian salmon and the main lobster roll. I mean, yum, what's not to love? So if you haven't tried cook unity yet, trust you're going to want to. Taste what happens when real award-winning chefs

make fresh, small-batched meals just for you. Go to cookunity.com slash honest or enter code honest before checkout to get 50% off your first order. Yes, you heard that right. That's 50% off your first order by using code honest or going to cookunity.com slash honest. All right, my little fashionistas. Let's talk about Sam Edelman. Autumn is the best time of year. There is nothing like it. Whether you're commuting to work, leading that upcoming meeting, going out with your friends for a night out, Sam Edelman has the style for every occasion. All your fashion essentials from handbags to ready to wear to, of course, shoes. Sam Edelman has you covered. Sam Edelman dresses you for every occasion and every great outfit starts from the feet up, whether you prefer the elegant Bianca,

maybe the iconic hazel or the new Tegan and Tallulah, there's a heel height for every moment that delivers confidence and comfort. And don't forget to complete your look with handbags and ready to wear. Sam Edelman delivers head to toe style. Visit them at samettleman.com to explore everything you need for fall and get 15% off with code honest 15. Again, that is sameddleman.com and code honest 15. Let's chat about neuro gum and mince. My latest obsession, this episode is brought to you by Nero, makers of the world's first smart and sour mints. Most candy is just sugar pretending to be a treat and most energy stuff makes me feel like I'm crawling out of my skin and I get a crazy crash.

Neurosowers is neither of those. First it's sour, genuinely sour in a really good way, then it's smart. So maybe you're asking what makes it smart? Well, I'm going to tell you, It is 40 milligrams of natural caffeine and L-theonine for calm focused energy plus B vitamins and zero sugar. So you get the pick me up without the crash or the jitters. I've honestly been living on this gum and these mints. They're not only do they taste great, but I do get that little pop of energy and I really do think that they help me focus and I love that. There's zero sugar, like I said. They're also aspirin-free, gluten-free and vegan. So every chew is a smart choice for your body. And for a limited time, you can get 20% off your first order at neurogum.com by using

code honest. That's neurogum.com and use code honest for 20% off your first order. You can also find neuro at Walmart and Amazon. I think like for me, and I pay someone to do this also, this is my financial advisor who's amazing. But like every year, we know what it takes to live my life. Like, we've got the travel bucket. We've got food bucket, kid bucket, dog bucket, clothes, like, you know, home stuff, you know, all the things. Like, everything is broken down. So we very clearly can see where all of my money is going. I know how much money it costs to run my life annually without changing anything. It's also very cool because they have a graph where if I didn't make any more money the rest of my life, but I continue to live the way that

am currently, like where my money would run out. And it's, it's nice to see all of this stuff. Now, you don't have to have a financial advisor to do that. Of course, obviously, it takes more work. But I think there are apps now. It's worth asking like a chat GPT or Googling like where you can do all this stuff. But I do know it's easier now to do this stuff. But that's really important. Right. Like as a woman and even if you're married, here's the other thing. Even if you're married, and your husband is really the one handling the finances, I still think it's important for you to know what's going on. I think it's important for you to know where the money is going. I also just think, not even from like a planning perspective, but just, I actually just think it's like kind of cool

to see. Like, I was shocked at how much money was going towards my dogs last year between groomer and dog food. I was like, what the fuck? So like, it's just, it's just important information. I also just think it's like kind of interesting to see. But then also so you know like life is checks and balances, like how much money is coming in, how much money is going out. So if this is how much money is going out and this is how much coming is, this is how much we're going to save. Or like maybe we have a little more room to do like a cooler vacation this summer or like, I just think it's really important to have a pulse on this stuff. And you don't want to be the woman that all of a sudden maybe is going through a divorce now and you're like, I have no idea what the finances are.

And it's like, no, girl, you need to have a handle on this stuff. You need to know what is going on, even if you're married. I also think it's really important for women, like we said earlier, to know your value and your worth so that in the workforce, the work field, you are able to ask for a raise. You're able to charge what you want to be charging for your services. I don't think women should shy away from going after what they want and asking for what they need. Now, listen, you can't be delusional about it. If you're going to ask for a raise, you better have been working your tail off leading up to this

so that your boss looks at you and goes, A, I really value that you came to me and asked for the raise because that takes balls without a doubt. And B, you've been working your ass off. and I want to, I want to honor that. And so, you know, I think if you know, if you know what you're bringing to the table and you know that you're doing the best of your ability and whatever job it is, then you do need to know your value and your worth. Like, I love a negotiation.

I live for a negotiation. I, if I wasn't doing what I'm doing, I would have loved to be an agent. like put me on the phone all day long and let me just negotiate. I live for it. And it's great because at this point in my career, I'm really good at it. And I think the key with negotiation is you can't be afraid to walk away. That's when you always get what you want. I'm not kidding, every single time. But you have to be okay with it going away. But you usually will always get it. But it's because, like, I never in my early 20s would have been able to negotiate the way that I do today because it's a different way I carry myself. And it's a different, like today, I know the value that I'm bringing. I know my worth. And so if something doesn't line up with that, I'm quite literally not doing it.

And at first, that might be kind of scary to ask what you want for. And, you know, If you a few times don't get what you want, then you do have to be okay to walk away. But just stay strong in that because new things pop up all the time. And when you start, like obviously it depends on your line of work. But if you do something where you get like deals and like real estate could be a good example of that, you know, where you're negotiating deals and like there's like new things popping up all the time. Like something new is always coming. It's always coming.

It's always coming. So like don't get bogged down in the first couple of times. if someone can't reach the value that you're asking for. Like, that happens for me all the time with brand deals or like whatever it is. Like I have to be okay walking away from big numbers, but just because it's not the number that I want. And holding the line at what I know my value and my worth is because here's the other thing. If your value is X, you can't start taking things at Y because then it devalues you.

So when you decide what your value is, you have to stick to that. You have to really stick to that. Another thing with money is I feel like so many people have this belief system about scarcity, that there's not enough for all of us. And that money is like this, it's just this thing that only certain people, like, oh, that doesn't, that's not part of my bloodline. Like only certain people have money in the world. And that is such a small mentality to have because you guys, there is.

there is so much money to go around. If you look at money as energy, just stick with me. I know it's a little fucking crazy and a little woo-woo. But if you look at it as energy and it's like an energy exchange, it starts to change the dynamic. So if we're looking at it as like an energy exchange, like how much energy you're putting into your value and your worth, then you will get rewarded for that. I don't care where you grew up. I don't care who your family is.

I don't care what race you are. There is enough money to go around. There is such an abundance in life. And I think, I think that's all part of the design, right? Is to make people think that there's not. And so to keep everybody small, we have to change the narrative in our head that there is a plethora of money. There is money to be had everywhere.

That's really where it starts is if you're bogg, down by money, let's start changing our thought process, right? I also think it's interesting. You can't be afraid to lose money either. Money isn't, it's an ebb and flow. And again, if we're going to look at money as energy, sometimes money comes in, sometimes money goes out. Like even an invest, if you're going to invest your money, you have to know sometimes you're down. It's just part of it. It will come back up. But like that can be hard for people, you know? Or like, I'm trying to think real estate, if you're selling a house, sometimes you're going to lose money on a house. Like, does that absolutely fucking suck? Absolutely. Absolutely. Like,

things in your life will drain money. Like, cars, shit breaking in your house. Like, I swear to God, owning a house, I don't even want to say it, like, knock on wood, but like, there's always something fucking wrong. Something's always breaking, right? There's always something fucking wrong. But I think, too, like on a bigger scale with investments, obviously, and, and business mistakes, Like, that happens a lot. And that's just the name of the game. But you have to be okay with it. Because again, if you're so focused on, I can't lose money, I can't lose money. That's just going to grow and grow and grow. If money is ever flowing, if you're like, okay, shit, it was a horrible investment. By the way, I've made some bad investments. I have. And it sucks. It sucks. But it is what it is. You can't win them all.

But you have to be okay with it. And again, going back to this mentality that, there's more money. You can always make more money. We can always make more money. And that is the truth. You can always rebuild. And I think in that, that's a nice, that's a nice place to be, right? Also with money. So I know that a lot of people, people who haven't experienced money think that money will buy happiness and that it will solve all of their problems. Money makes things easier. That is a lie, does not buy happiness at all. And in fact, what I think it does is it exacerbates the loneliness that people may feel. And because money can make, so money makes a lot of things easier. It also creates more problems. And it creates a lot of problems usually with family and with friendships,

obviously with romantic relationships, kids. It can complicate. It can complicate. a lot of relationships. And it's really easy to feel used sometimes when you have money. Let's take a sec to talk about Lulu Lemon. You guys might remember when I first told you about Lulu Lemmon's new drop this fall and how excited I am that it was coming out in September. Well, the collection is finally here and I've gotten my hands on a few of the pieces. And let's just say they're already currently in rotation. I've gotten so many cute sets. And one of the things I'm living in right now is the Lulu Lemon align mixed rib halter tank top. It's buttery soft. It is their ribbed Nulu fabric, which is just absolute heaven. It's a halter neckline. It has a built-in shelf

bra for light support. And what I love so much about Lulu Lemon is that of course it's great for working out, but I love it. It can take you from the gym to the grocery store to school pickup and beyond. It can take you to the basketball games at school. It can take you to the football games. There's truly no place that you can't go in this. I also am loving the groove yoga bra and the groove high-rise short set. So this is a set that I got that I'm just obsessed with. I think it's so cute and so flattering. I've been such a fan of Lulu Lemon for so many years like I know most people have and they just keep killing it with the style and the fabrics and they're just killing the game consistently. I love Lulu Lemon and you should too. New styles from

Lululemon's fall collection are here. Popular colors go fast, so be on the lookout for those drops. And if something doesn't work out for you, free returns always. That's lululemon.com. Lululemon.com. Let's talk about Nutraful. To me, fall feels like the perfect time for a reset. New routines, better habits, and a little more attention to the things that maybe you put off over the summer. If your hair could use a reset, then let me tell you about neutralful. Nutraful is the number one dermatologist recommended hair growth supplement brand and it's the number one hair growth supplement brand personally used by dermatologists. And now the Nutriful women's formula has been upgraded to its most advanced version yet. It's 100% vegan, biotin-free, and it comes in a smaller capsule

size to make your daily routine that much easier. So whether you're just starting on your hair health journey or you've been taking Nutraful for years, this update means you can now get the most advanced support yet. See thicker, stronger, faster growing hair with less shedding in just three to six months. Now, Nutraful is offering my listeners $15 off your first month subscription and free shipping when you visit Nutrafol.com and enter promo code honest. That's Nutraful.com spelled N-U-T-R-A-F-O-L dot com promo code honest for $15 off. Okay, I'm excited to talk to you guys about clean, safe products. I mean, let's be honest. We all blame the dogs. But sometimes it's the kids. Sometimes it's you with coffee or wine. But either way,

if you have a house you actually live in, your furniture is going to get dirty. It's just the harsh reality. Well, the green mid starter kit from clean safe products is basically the easy button for cleaning couches, carpets, rugs, car seats, dining chairs, and other fabrics all around your house. If you can wipe down a kitchen counter, you can clean your couch. And for me, one of the biggest things is what's not in it. Clean safe products is non-taxie. soap-free and fragrance-free, so you don't have to soak the furniture your kids and pets live on in harsh chemicals or heavy fragrances just to get it clean. My Bernadoodle Quinn decided to poor little girl throw up on the carpet the other day. And I used this and it really did get

everything out. It was so easy and you would never know that Quinn threw up. So I'm obsessed with this stuff. You can try it risk-free with Clean Safe products 60-day money-back guarantee. Go to CleanSaveproducts.com slash honest and use code honest for an additional 15% off the green mitt starter kit. That's cleansafe products.com slash honest for an additional 15% off the green mitt starter kit. Okay. I've been chatting with you guys about salt and stone lately and for good reason. Their viral deodorants smells so incredible. I'm telling you, you're going to get so many compliments on it. And we love a natural deodorant that actually works. That's always been my biggest thing is it's hard to find one that really does last. And Salt and Stone's Deodorant is award

winning. It's aluminum free and it's formulated for a 48 hour protection and it actually does do just that. If you're new to Salt and Stone and you don't know what's sent to try, they have their discovery sets, which is a great way to try all four cents. Their four cents are Santal, Bergamont, saffron and a roly, and I'm telling you, you're going to like all of them. They also have great body wash. If you have not checked that out, highly recommend. I have those in all of my guest bathroom showers and friends always give compliments on how great they smell. So try Salt and Stones' Discovery set to find your signature scent. Go to salt andstone.com slash honest and use code honest at checkout for 15% off your first order. That's salt andstone.com slash honest

and use code honest for 15% off your first order. So my point is it doesn't buy happiness and it's not going to fix all of your problems. It makes a lot of things easier and it can make it more enjoyable. I won't lie to you guys. Money is great. I love having money. But I've seen the dark side of money too. And so with that, my point with that is when you have money, you do have to set boundaries

with money sometimes. A lot of times that's with family. I'm more than happy to tell you guys. I think I've probably said it before. My dad came to me. I was filming the hills. So I must have been 22 and asked for a large sum of money to borrow six figures. Okay. And I was making great money at the time, but it's still, I'm 22. Six figures is a big deal for me. but I lent it to him. And he promised me he would pay me back. He probably said six months.

And he was going to give me interest on top of it. And, you know, well, I didn't get paid back. And instead, he asked to borrow more money. Another six-figure number. And I said to him, you haven't even acknowledged the first payment. And now you want more money. But because I'm such a fucking sucker, or I was at the time, I lent him more money. I will never see that money.

So when I tell you, I'm in the hole with my own dad, a quarter of a million dollars, like, you know, and that's, talk about a bad business decision. But that's where you have to set boundaries. And I didn't know how to set boundaries in my early 20s. I've learned that. You know, it would be a very different conversation probably today. But it's the lending money to people thing when you have money, it's almost like people expect it. And you are in no way, shape, or form required or obligated to lend anybody money. Especially if you've worked your fucking tail off for that money. Like, I have worked my ass off for all of my money. And so I think that's why probably that stings the most is, and I don't know, I think again, it just was like sort of taking advantage of

me at such a young age. Like, I can't imagine going to my kids. when they're 22 and asking for that kind of money. Like, I just, I don't know. I guess I understand that, like, he didn't have a lot of options, but I, I don't know. And also, like, my relationship with my dad is very complicated, which we've talked about. So there's other layers to it. But for the purpose of this conversation, I just think, I just think you're allowed to do what you want to do with your money.

And listen, if it makes you feel good to lend someone money, by all means, like, it is nice to be able to be there for people. But that's also, you can look at that as a business decision, right? Because like if you lend someone money, there's a chance you won't get it back. Use me as a good example of that. I also think it's interesting too when you make a lot of money if you're at like a group dinner, let's say, and everyone just sort of like expects you to pay because you make the most money.

I don't like that at all. I used to be around someone who that happened to a lot. And it was like the friends. just sort of expected it. They wouldn't even pretend to like pull out their credit card when the check came or honestly not even a lot of thank yous. It was just expected. And I thought that was really gross. I don't like that. So again, I just think you don't have to be obligated to do that. Listen, I've been in situations, all of my girlfriends and I are not on the same financial level. And I have paid for friends to come on trips to do the thing because I want them to be there.

And then being there is more valuable to me than buying a plane ticket or buying you dinner. Like, who cares? I'm more than happy to do that. And I'm grateful that I'm in a position where I can do that. That's a different situation. I think it's because I offer and I want to do it because I really want you there. is very different than, like, that same friend coming and being like, like, just honestly sort of just asking me, like, hey, can you pay for me since I can't afford it right now?

Because then it's like, I think that's unfair to put someone in that position. I think if someone's offering, it's a very different situation. And I also think, you know, if we're going to change our mindset and like go off of everything I've just said, I also think having this mentality of. of if I lost everything, I would be okay. I also just think like money is, it's probably like the easiest thing to get anxiety around and to worry about when in reality, you know, it's like, look at most of the things that we worry about. A lot of them never happen. Like, I think humans are really good at going to worst case scenario, being doomsday, and, like, living in this fear.

But when you break it down, a lot of the things that we worry about never come to fruition. And money is a good example of that where, like, I just think we get so in our heads about it. Like, I think what if we took the energy that we spend on worrying and we flipped it? and we focused on the positives. Like, again, I know I'm like a little woo-woo for some people, but I really believe in manifesting and I think our minds are so much more powerful than we ever give them credit for. And I think that if everything is energy, like that's science, right, that can be proven.

So what we focus on grows. So instead of living in fear and focusing on lack, can we every time we have that thought, flip it and think of abundance and think of all the beautiful things and feel that energy in our body because that then changes our frequency that then makes us a magnet for more money and more amazing things. Can we sit in the gratitude? Can we always instead of being like shit, how am I going to pay this bill this month? I get it. That's fucking stressful. Can we see that and say, okay, I need to pay this bill. Good thing. That wasn't an issue at the end of the month. Like, can we live as though everything is going to be fine? I just think try it because what do we

have to lose? And by the way, you consider him to be like, oh, look, I've never had to pay a bill or like been worried about a bill. I'm going to be very honest with you guys. I have actually at Uncommon James. So my personal life is very different than my business life. But I have had people running my company. like we were a $100 million company for the last few years, bleeding out at every fucking angle. And I've had to swoop in in the last six months and turn that company around. And you know what? I'm really fucking proud because I have done it in a short window.

My only goal right now is to be profitable as a company. And the way I've been able to turn things around. But I have had moments of being like, how the fuck am I going to pay rent? And when I say rent, we're talking five stores. We're talking fulfillment center, headquarters. Like, we've got like rent is steep, right? At Uncommon James payroll, the Amex bill, all in the same week. And I'm like, holy fuck. Like, these are big numbers. So yes, well, everything is relative. I have experienced this. And this happened not that long ago, actually. I was talking about my finance team and my chief product officer.

And we were talking about just this, how payroll, rent, Amex, all do. Money's tight right now. And by the way, leading up to Q4 money is always tight in retail. But I said, it's not going to be a problem. We're going to be able to pay all of those next week. But the thing is, when I said that, then I had to go do stuff. I had to post. I had to come up with a plan. I had like, you have, if you're going to say these things and say, this is not going to be an issue, you have to put things into action. You can't just be passive. It's a combination of the two of like, nope, this is not going to be a problem. And I'm going to be doing the thing to make sure that it's not. The universe, I really think rewards action. I've seen it firsthand, you guys. And again, it's an energy. Where you put your energy,

it grows. So just try it. You can't show up to work every day in a shitty attitude. not wanting to be there, bitching about how much money you're making. Like, what do you think is going to happen? You have to flip it and you have to say, I don't like where I'm currently at, but this is temporary. But how I'm going to get to the next place is I'm going to show up with a good fucking attitude. I'm going to put 110 into this right now because what's the other option? Be miserable. What happens if you put 110% in?

See how everything around you changes when you just flip a few things. It's an energy, you guys. What you put out comes back. Try it. Let me know how it goes. But I get it. And I just think, I don't know. I hope if nothing else, it's just a nice reminder of how powerful our minds are. And I don't think we should put so much weight on money. I think that is the ultimate issue is like how much weight we put on money. Like money just like rules our lives. It needs to be this ever-flowing thing. Okay, I don't know. Try it. That's just my own experience, but I love you guys. And always, always, thank you so much for listening and I'll see you. Please note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have

a direct or indirect financial interest in products or services referred to in this episode.