More Money Podcast - 054 I'm Back from the Summer & I've Got Some Big News! - Jessica Moorhouse

Episode Date: September 7, 2016

Did you miss me? I sure missed you! It was great to take the summer off to take a break from the podcast and record a slew of new episodes for season 3, but a lot has happened these past few months. I share all my big news, including me being a new homeowner, going back to school (again!) and my first ever event aptly titled the Millennial Money Meetup. Long episode description: I’m back! Did you miss me? I certainly missed you! But man did I need a break. Not that it was much of a break if I’m honest. All summer I’ve been more busy than I was before I went on a podcast hiatus. I really did think I was going to spend at least most of the summer relaxing, enjoying the weather and recharging. But that didn’t happen. Not by a long shot. I have a bit of a problem you see. I get a lot of new ideas that pop into my head. And although most of those ideas are total crap, lots of them are good and I go full force in trying to make them happen. For instance, did I mention I’m a homeowner now? That was an idea I had (well, not a new idea) in June, and it really started taking form in July. I know some of it had to do with me turning the big 3-0, but I also thought “Why not just look? Who knows what’s out there?” My husband was on board, and fast forward to today, I’m now sitting in the living room of a townhouse I own! What the what? Another idea I had was to do an event. I have a bit of events experience, and I saw that there weren’t any other events in Toronto for millennials about personal finance. I’m incredibly passionate about financial literacy, especially for my generation, so I got a sponsor (thank you EQ Bank!) and have been scrambling to put this event together for mid-September. It’s basically all done except for a few minor details, and I think it’s going to be a pretty good event since we hit maximum registration in only two weeks. And just in case you want to see what this event is all about but can’t attend, I’m going to be livestreaming it on Facebook and making it into a special podcast episode too. Now, if that wasn’t enough, I thought why not go back to school! I’ve mentioned several times how I would love to become a money coach down the road, and I thought, why not become one now? I’ve got the drive and I want to set up this new side business sooner rather than later. So I’ve enrolled in a program to become an Accredited Financial Counsellor. I just got my textbooks in the mail, so once I’ve got my townhouse more in order, I’m gonna be cracking open those books and studying like hell! Oh yeah, one more thing. So, I’ve got a blog, I’ve got a podcast, but one thing I don’t have is a vlog. I have a film degree for goodness sakes, but I think I was just too chicken to do the video thing honestly. Well, I’ve learned that sometimes you just need to do it (like with my podcast) and see what happens. Hence, my first vlog below. My younger sister Sarah told me that I’m not really looking at the camera properly, my background is too dark and not pretty enough and in general I should take some time to study her favourite vlogger Estee Lalonde. Fair enough, her videos look incredible. It’s gonna be a busy end of 2016. Maybe I’ll take a real break in 2017. Here’s hoping. Shownotes: jessicamoorhouse.com/54 Learn more about your ad choices. Visit megaphone.fm/adchoices

Hello, and welcome to Season 3 of the Mo Money Podcast. Hello, hello. This is your host, Jessica Morehouse, and I'm so excited to be kicking off this new season, the third season of the Mo Money Podcast with you. And a lot has happened. If you've been a longtime listener, I took a break in the summer. I ended season two of the MoMoney podcast the first week of June because I definitely needed a little bit of a break. I did 52 episodes in one year. So that's one podcast episode every week for an entire year. And I got a little burnt out, and I

needed a little bit of a break, and also I needed a few months just to start interviewing guests for this season, and it's a fabulous season, if I do say so myself, so I'm very excited to talk more about that later in the show, some of the upcoming guests I've got. But before I talk to that, I want to share some really special news with you. A lot has happened in the past couple months, things that I didn't expect. And I almost feel like I'm very excited to share this news, but I almost feel like a little bit of a hypocrite because for the past couple years, well, I guess more like the past year specifically, I've been kind of harping on about the benefits of renting and how I just don't see myself as a homeowner anytime soon it's crazy expensive in

Toronto and even more expensive in Vancouver where I'm originally from so you know me and my husband we actually did start to look for a house originally I guess it was two years ago. We're trying to find a house in Toronto and it kind of came to nothing. We searched for about two months and yeah, we realized, yeah, we cannot afford to buy a house in the city and we kind of thought we could. So after two months of looking and just kind of that taking over our lives, we're like, no, this isn't for us. We're going to rent for the foreseeable future. And I just thought that was it. We're going to rent for a little while longer. month ago, it was, I guess, you know, in July, we started really talking about looking again, not so much for a house, a detached house or a semi-detached house anymore, but more in the condo townhouse, you know, kind of situation. And so we started kind of, again, playing around with numbers, writing down kind of our wants and needs.

And we found a realtor and we just thought, you know what, there's no harm in just looking and seeing what's out there, seeing what the prices are and finding out, you know, is the market as crazy as houses? Because houses, I mean, you know, it's listed for one price and it's sold for way more. I mean, we, you know, back, you know, when we were looking for a house, we actually bid on this one house and it was originally listed for, I'm probably going to get this wrong, but I want to say it was like 519 or something in the low 500s and it ended up selling for 625,000. So well over $100,000 over. And at that point, we're like, all right, we're not gonna play this game. This is crazy. And so we were, you know, a bit hesitant to,

you know, start looking again. But once we did start looking and seeing that there actually were options in the city and in kind of our preferred neighborhoods, and they weren't actually going for that much more over or sometimes they would just go for the actual asking price which is crazy we're like all right let's just give this a go and so we looked at a couple uh places just like open houses and because our realtor was actually i mean it was summertime so we had some vacation and he's like just look at some open houses kind of get a feel for what neighborhoods you like, what kind of, you know, feel like a condo or townhouse or whatever. And then when I get back, then we'll start looking.

And so we did. And, you know, we kind of realized fairly quickly, we really like the neighborhood that we're in currently. We're kind of the West end of Toronto, because that's just, you know, where we've made our home for the past three years. And so the first day that our realtor was back and we were going to go see a couple places, I think it was the third place. And we're really hoping to get a townhouse just cause we really, I mean, dream, like if we can have a house, can we at least have a townhouse? We want stairs and two levels and just kind of, you that you know feel for hours even though it's still you know connected to a bunch of different units and uh yeah it was the third place that we

checked out and immediately we're like oh my god i would love to live here like it immediately felt like we could make a home here it's in in our neighborhood, you know, a little bit further west, but still pretty close, pretty familiar territory for us. And because it is still kind of a crazy market here, you know, we said, okay, we want to put in an offer. And so that day, because we knew like if you find a place and you like it and has kind of all the things on your list, or at least most of the things you put in an offer right away.

And so we did. And of course, before we went looking, we got a mortgage pre-approval because that's always the smart thing to do, especially in a very hot market. And yeah, and then we kind of just waited and fingers crossed and just like, okay, let's maybe not think about it. We don't want to jinx it. And so the next day we got some news from a realtor saying there's another interested party. And so we're like, okay, well, this isn't going to happen. Like if there's going to be a bidding war, we're just, this isn't a good sign. And so, but still, you know, they're like, okay, do you want to up your offer a little bit? And we upped it a tiny, tiny bit.

And we got rid of all of our contingencies. So anything like, you know, we need to see kind of all the documents, we kind of need to see, you know, get a home inspection and all that kind of stuff, which again, isn't recommended, but it's a crazy market. And we just kind of did what we felt we needed to do to secure this place that we just had a very good feeling about. And so we did that. And we, you know, a little while later, like the next day, we got a call from a realtor saying, you got it. And we kind of freaked out. We were, I think I was cleaning some, doing some dishes, and my husband was doing some work on his computer. And when he was on his cell phone

with the news of a realtor,tor i'm like we didn't like i just mouthed you know silently i'm like we didn't get it did we and then his expression was kind of somber and then he kind of perked up i'm like or did we and then he hung up with a realtor he's like no we we got it we just bought a place and we're like what because honestly like we didn't really expect to get it our luck has been so crappy when you know house hunting we we didn't really expect to get it. Our luck has been so crappy when house hunting, I didn't think it would happen that quickly. But it happened very quickly. And not only that, the closing date was in 30 days. So we were going to get a house or a townhouse in 30 days.

And so that's why I am actually recording this first episode of the Momoney Podcast in our new place. We are in it. We are homeowners. We have more than one bedroom, which is crazy because we've been living in a one-bedroom apartment for over three years. And I mean, I'm downstairs. My husband is upstairs doing some work. And this is kind of the craziest thing. So I'm very excited to share this news that I've been holding tight secretly for, I guess, a couple months now, or wait, no, it's September. So yeah, no, I guess a couple months. And yeah, so I'm very excited to, you know, chat about this. I'm absolutely going to be writing about this a

little bit more because, man, there's a lot of things that I did not know getting into this, not even just the home buying process. But once you do buy a place, all the things that, you know, kind of go wrong or that you need to fix or that you need to replace and all the costs associated with this and all the budgeting and receipt, you know, keeping and yeah, there's going to be a lot of stuff I'm going to be learning and then sharing with you guys, which I'm very excited about. I also want to share this kind of new thing that I want to ask new to me, not new to you. I'm just kind of getting with the program. I absolutely love doing this podcast. And so one of the things that I want to

do more of is, well, there's two things. So number one, I want to do some more video. I have a background in video. I have a film degree, for goodness sakes. So I should really be doing some stuff on YouTube. And I feel like, at least for me, when I am kind of searching for resources that are specific to personal finance on YouTube. There's not a lot of stuff out there. There is some stuff and some of it's really good, but I feel like there's definitely maybe a little place for me. I think I can kind of do some cool stuff. So I'm excited to kind of share some videos on the regular on YouTube. So you can find me on YouTube, Jessica Morehouse. I think it's just youtube.com

slash Jessica Morehouse one. So make sure to subscribe to my channel and get ready for some awesome, awesome stuff there. All right. So the second thing, so I obviously do my, I'm going to continue for this, you know, season three of the podcast, do my regular Wednesday podcast episodes, but I'm going to do something extra. And I'm very excited. I've been telling everyone, I'm very, very excited for this new thing. So on Thursdays, and there's only a few episodes I've gotten can, I think I've got about five, but for the next few weeks, including tomorrow, I am going to be sharing these, I'm kind of calling it the listeners series. So I've been getting a lot of emails from you listeners with your kind of personal finance

journey story or your debt story. And I did a blog post featuring four of those listeners a couple months ago, which I'll include a link in the show notes if you haven't read it already. And I reached out to those people again and be like, would you be interested in being on my podcast? I think that'd be actually really cool to chat and to hear your voice and to hear your story in that kind of way. And they all said yes. I'm like, this is awesome. And so for the next couple of weeks, I'm going to be sharing those interviews with you. And I think this is kind of cool because it's going to be a bit different than interviewing other personal finance experts or authors or bloggers. These are real people dealing with real things, either debt or whatever. And they're really awesome. Every time

I talk to them, I'm like, you guys are awesome because we're in a situation where maybe it's student debt or you bought a place and there's all these troubles and it was kind of a money pit. And you were so self-motivated and you took the initiative to fix your issue. And thank you so much to everyone who has let me kind of be part of that and talk to you about your story. So I'm very excited about that. And of course, I definitely want to kind of continue that series. I would love for that to be a regular Thursday episode. So I'd love to have two episodes per week. So if this sounds like you, if you want to be featured on my podcast for my special listener series, you have a story

to share and it doesn't have to be anything crazy. It could just be, you know, you know, definitely check out that blog post that I wrote and kind of get a feel for the questions that I'll be asking you. But it could just be that you, you know, went to school for a philosophy degree and then graduated and had a bunch of debt and realized you couldn't get a job. And then you kind of had to go back to school and now you're kind of digging your way through debt, but you're doing this and this and this. And you have some things that you would like people to know. So if they're in a similar situation, they can get out of it too. It's all about kind of opening communication about these things. Because guess what? We all freaking

deal with money. We all deal with debt. We all deal with all of these issues. We need to talk about them more and we need to share our stories so other people can learn. That's honestly how I got into personal finances. I started talking about money with people and finding out their situations. And that's how I learned. And that's how you learn to make better choices, better decisions and add a little money life balance to your life, which is my motto. So if you have a story that you would like to share, please, please, please feel free to email me. It's as simple as Jessica at JessicaMorehouse.com. And of course, Morehouse is spelled M-O-O-R-H-O-U-S-E.

Get groceries delivered across the GTA from Real Canadian Superstore with PC Express. Shop online for super prices and super savings. Try it today and get up to $75 in PC Optimum Points. Visit Superstore.ca to get started. Okay, so besides the whole house thing, which I'm super excited to share more, we literally just moved in a couple weeks ago. And for one of those weeks, my husband and I were in Vancouver to visit family and to go to a friend's wedding. And so we've really kind of just got here. I'm looking around. It's disgusting.

It is an absolute disaster. We've been at Home Depot and Lowe's and every kind of home store you can think of pretty much every day. Basically, I finish work and then we hop in the car and we go to grab whatever we need. And there's a bunch of things that, of course, we get the place and we're like, well, we have to replace that. We have to replace our washer dryer because the dryer doesn't really function. It just takes forever to dry. And it makes sense because it's original to the townhouse and the townhouse is about 12 years old. And actually all of the appliances are original to the house. So I'm expecting a lot more things to replace and a lot more things to save up to replace and add to the

budget. Very exciting. We're also getting a new stove because unfortunately, I guess the stove that they had originally with the house didn't work. And so they replaced it. But of course, they replaced it with the ugliest, cheapest one they could find. You know what? Would have been nice if you just freaking gave us the cash or a Home Depot gift card, but whatever it is, what it is. And so I'm like, no, no, we are not going to have that ugly freaking stove for the next whatever six years or however long it's going to last. It was identical to basically the stove that we have in our rental and it's ugly. And I'm

like, no, that's not it's not going to happen. And so my husband's like, Oh, yeah, okay, well, we're not just going to buy a new one, try to sell this. And if you can sell this, then we'll look for a new one. I'm like, fine. And guess what? I showed him. I sold it in two days. Ba-bam. But that being said, we sold it and it was taken away. And then we had to be like, oh, crap, we have to go buy a new stove. And you can't just go to a store and get a stove. It takes a while to get. So we are stoveless for about another week. And we've been, yeah, trying to find creative ways to live without an oven or a stove. So, you know, microwaving things, eating raw things, a lot of takeout, unfortunately, and I hate it. So yeah, lots of fun things to share. But beyond the whole house thing, which is kind of the big news, I've got a lot of other

kind of things going on that I've been kind of working on throughout the summer that I've been so excited to share in this episode with you. I guess the first one is I know I've talked a little bit about me having dreams of doing some money coaching on the side. This is something I'm very passionate about. I love talking about personal finance, but I also want to educate people about it. And I want to really help people. I feel like this is something that is in my heart. And I just feel like this is

something that I feel like I have a bit of a calling to do. And I felt like this for a while, but I don't really want to just start offering money coaching lessons. I feel like I probably could, but me being a perfectionist, I want to make sure that I don't just be like, okay, I'm open for business. Anyone want to have a money coach? I want to make sure that I have the best program available, that I have all of the tools that you, you know, as a potential client can, you know, really benefit from. And so I have actually registered for this accredited financial counselor program. So I just received all of my courseware. It's quite intense.

And so I'll be chipping away at that throughout the year. My goal is to complete the program, gosh, by next summer. That's a pretty lofty goal considering I registered for this one course through the Canadian Securities Institute last August. And it took me until this August to complete this one course. It actually took me a weekend to complete. I clearly need some – I'm just a bad procrastinator with those types of things. But also the, you know, big benefit of this, not only will it help me, you know, really learn everything I need to know, so I can become a financial counselor in the future, but I will also be learning so much that

I will, of course, want to share with you immediately. And it also kind of helps me study if I, you know, kind of write some blog posts that sum up lots of the lessons I learned. So get ready for some awesome blog posts coming at you all about personal finance. Gotcha. Another cool thing that I'm doing uh soon a couple weeks actually um that i'm very excited to uh share with you guys and you you may already know if you you know are a regular reader of my blog or you're on my email list and make sure if you're not on my email list you'll definitely want to uh subscribe just go to jessicamaross.com slash subscribe to get on there but it is this uh event that i'm doing i I'm organizing it. And I

founded it. I'm doing kind of everything. Man, it's a lot of work. And it is called the Millennial Money Meetup. And it is taking place here in Toronto. And unfortunately, I can't really promote to be like, hey, you should come because it's already sold out. I'm sorry. And I guess next time I'll just have to have it at a bigger venue. But, you know, I had like 130 spots and they're all spoken for and it happened pretty quickly. So that's kind of a good sign. And the whole point of this event is to get millennials talking about money, learning about money in a kind of a fun, cool way. And so the first kind of part is going to be a little bit of a mix and mingle. Let's get to know each other. Hey, what's going on? Let's chat about money. And then kind of the main event is a

kind of roundtable with me and some of the personal finance experts in Toronto. So that's going to include Barry Choi from the blog Money We Have, Michelle Summerfield from Budget Blog S, and Daniel Teo from Urban Departures. And so we are going to be chatting about the most important things that millennials need to know about money from our different perspectives or different kind of backgrounds and expertises. So I'm very excited to do that. And of course, I know, you know, it's sold out, or maybe you don't live in Toronto. Don't worry, I've got it covered. Not only am I going to be recording it for a special episode of the Mo Money podcast, I'm also going to do something that I hope works. I hope, you know, the technical gods, you know, are, you know, looking down on me on that day, but I'm going to try to live stream it. I even bought this really cool fancy camera called Mevo that is like this cool 4k video camera that lets you do different shots and whatever and blah,

blah, blah, doesn't matter. I got this cool camera so I can live stream it to Facebook. So if you're, you know, you can't be there, you're not registered, you can sort of feel like you are there and watch it live. So that'll be cool. Also super terrifying because I am an introvert. I am, I haven't done public speaking for quite a while now. Um, I've definitely gotten better having this podcast. Honestly, if there's one thing I can take away from this podcast, it's like no one listened to it. At least I've gotten better at talking to people and public speaking. But this will definitely help me kind of hone that craft. I'm very excited about that.

And that actually reminds me, I have another thing coming up that maybe i'll try to live stream as well there's i'm going to fincon which is the big uh personal finance conference uh in the united states and it's in san diego this year and it happens at the end of uh september and it's a really great conference i'm very excited to be able to meet some of the guests I've had this year and last year from the podcast. But there's a thing called Ignite. And it's one evening at the conference where it's kind of like a mixed mingle party thing. But there's a portion where a few speakers have a short amount of time to talk about a topic either about kind of blogging or business or personal finance. And I was a bit crazy one night and I'm like, you know what, I'm going to sign up.

I'm going to try to see if I can get a spot as a speaker. And there's a whole voting process. And I actually surprisingly got in. And so I'm going to be doing a couple, you know, public speaking things. And I'm excited to, yeah, kind of just get better at that. Maybe one day I'll be, you know, up on that stage doing a TED Talk. That's the dream. One can dream, right? So lots of crazy, cool, big, scary things happening with me. But yeah, I'm glad that I'm back. And I kind of missed doing this and missed you guys. I definitely looked at my, you know, podcast stats all summer. And it's cool to see, even though I haven't released a new episode since the beginning of June, I've actually been consistently still getting quite a few downloads. So that kind of indicates to me either all of y'all are just re-listening to episodes, which I highly doubt, or I'm growing my audience and new people are discovering me. And that makes me really happy because this isn't for me. This is for you. I

want to be able to have a show that is all about just teaching and sharing and communicating and creating a community at the end of the day. I want us all to feel like we're in this together. No one should feel like they're going through a financial hardship alone. And this is hopefully this will kind of help some people. I know, you know, the people that I have interviewed for my listener series, some of them, and honestly, it's still kind of crazy to me. They're like, you really helped me from this podcast. And so that really, that just warms my heart. That was the freaking coolest thing.

And another way that I'm kind of hoping to create a community is I've had this Facebook group called the Money Life Balance Facebook group for a number of months now. And if you want to be able to communicate with other kind of like-minded people, people that listen to my podcast or blog, people that are just interested in personal finance and want to be able to talk to other people about it in a kind of safe space, this is a closed group. So you have to be approved by talk to other people about it in a kind of safe space. This is a closed group, so you have to be approved by me to get in. So I don't just, you know, not anyone could go in there and I monitor it. So there's no, you know, kind of crazy, you know, cyber bullies or whatever.

It's a very safe space. If you are interested, make sure to check it out. I think it's just facebook.com slash money life balance. Maybe there's a group in there and a slash. I don't know. But just Google it or it's on my website. There's definitely like a little badge I put on my website. I would love to see you in there. I think there's close to 400 people in there right now, which is kind of cool. And basically what it is, is every Monday, I pick a new personal finance topic. And it could be just like, hey, guys, what do you think about this? And we just have a little conversation. So I would really hope that you join and we can chat.

And of course, if you just want to say hello, feel free to tweet me or send me an email, Jessica at JessicaMorales.com. Absolutely love getting emails from listeners. It's pretty cool to me. It never gets old. And of course, if you don't want to do that, but you want to still say hello in your own way, guess what you can do? You can leave me a review on iTunes, which brings me to, I haven't done this in a while because I've kind of been M you know MIA for a little bit I always for people that do uh leave me a review I give them a shout out on an episode so I've gotten a few reviews

over the past few months that I uh I want to share with you guys and then I will kind of wrap this up all right so the first one is from random couture and it's from march 8th so i don't know if i've already given this person a shout out but if i'm doing it twice girl or guy you get a second shout out because your uh review is awesome so uh they say jessica's interview skills are excellent she has a great engaging conversations uh with interesting. And I'm so happy to have found this Canadian based personal finance podcast. Keep it up. Well, thank you. Second, I got from Fran Cont 89. They say, great job, Jessica. This is a great podcast. Keep up the good work. I'm looking forward to your new episodes. All your guests are superb. I certainly think so too, but you know, I do choose them. Um, and another one I've got from a gun narration too. After a year of listening, I

figured I should finally give Jessica and the momentary podcast, the glowing review. It deserves the topics are relevant and the hosting guests are educational and entertaining. Definitely must listen for fans of personal finance or anyone interested in getting into it. Well, freaking thank you. That is awesome. And I really appreciate your kind review. All right. And one more. This is from M3.

I've listened to several podcasts on finance. After listening to about six episodes, I've come to depend on Mo Money. I am of an older generation than Jessica, but her words and guests help me keep going on my goals. Also, she doesn't cut anyone down. She's honest and trustworthy. She speaks on what she knows and brings in people who are wise to comment on what she doesn't. It's fun and easy and immediately practical, yet still kind of chicken suit for the financial so well, moving you forward your goals well thank you so much and yeah that's pretty much it i am aware i don't know everything so if i want to share some knowledge on something i don't know about it you better believe i'm going to bring some expert who knows what they are talking about so thank you so much

for everyone who has left me review please if you're listening right now please give me a review it not only um warms my heart but it actually does help me in kind of the itunes podcast algorithm google whatever for other people to find me so the more kind of reviews i have the more it'll be easier for other people to find my podcast and maybe they're trying to find some advice on personal violence or their situation and they need some help. And I'd like to help them and I would like them to find me. So please don't be shy. Leave me a review.

I'll give you a shout out and we'll love you forever. And before I go, because I did kind of mention that I was going to share some of the guests that are coming up on my podcast that I'm super excited about. I have got next week and very excited to share this episode because it was I think the first episode that I recorded for season three with the fabulous Bruce Sellery. So you probably, if you're Canadian, you probably know who he already is. He's always on like kind of morning talk shows. He is the go-to money expert. And he is the author of two fabulous books, one called Moolala, which I think is the cutest name.

And he is absolutely a delight. He was awesome to talk to. I've also got, and I was like a little fangirling over this one. I talked to the blogger behind askamanager.com. Does anyone know? If you're not a fan of this blog, you need to go to her website immediately because it is all about kind of, yeah, if you have a question for kind of an HR manager and you want to know something about office stuff. So I was obsessed with this when I was job hunting. She gives a lot of great advice about office politics, searching for a job, switching careers, all that kind of stuff. So that will be coming up.

I've got Mrs. Frugalwoods. We talk about minimalism. Oh, man, do I ever have some great guests. I've got a bunch more. I'm not going to kind of spoil it. Also, I'm still kind of organizing the schedule for everybody. But let's just say I've been very busy this summer. I think I've recorded about, I don't know, 20 episodes. I've been, yeah, I don't know if I've really taken a break this summer, to be honest, guys. I bought a house. I've been making an event i i think i need a

vacation and it's only the beginning of september so this isn't good um but in any case i don't really care i've got you guys and you guys kind of keep me motivated and excited to kind of take on the world and uh you're the best so give yourself a pat on the back for listening to the first episode of season three of the Mo Money Podcast. The first episode of the season three of the Mo Money Podcast. I am so excited to see you back here tomorrow because yeah, that's right. I've got a Thursday episode, the first of my listener series, and you won't want to miss it. It's pretty special. And then of course, make sure to subscribe. And I think that's it, guys. I think I'm going to let you go. I'm a bit of a chatty

Kathy, I'll be honest. But you know, it is what it is. So peace. this podcast is distributed by the women in media podcast network find out more at women in media.network