More Money Podcast - 100 How to Tackle Money as a Couple - Elle Martinez, Host of the Couple Money Podcast

Episode Date: March 29, 2017

To mark my 100th episode, I talk with fellow podcaster Elle Martinez about money, relationships and how to tackle money as a couple. Long description: Can you believe we're already at 100 episodes? I'm kind of in awe honestly. What a journey it has been, and what a great interview I've got to share to mark this milestone. For this episode, I chat with a fellow female podcaster and blogger, Elle Martinez from Couple Money. Make sure to check out her awesome Couple Money Podcast too, she's an amazing podcast host! We talk about her story of figuring out how to manage their money together before getting married, and how this eventually inspired her to start her own blog and podcast to help other couples tackle their money. We've all heard the stats, money is one of the biggest reasons couples break up. But if you have open communication, are working towards the same goals and both feel involved with the family finances, that's how you can set yourself up for success. Elle offers some sage advice and great examples of couples she's interviewed who have overcome some major obstacles. Basically, after listening to this episode, you'll feel just like me and want to set up your next money meeting with your partner pronto! Elle's Top Blog Posts Free & Cheap Date Nights for Couples Getting Your Spouse to Save More Take the $20 Date Night Challenge! Let’s Start Travel Hacking Together! Follow Elle on Social Join Elle on Facebook Follow Elle on Twitter Check Out Elle on Instagram Follow Elle on Pinterest For more podcast episodes, check out the podcast page. Show notes: jessicamoorhouse.com/100 Learn more about your ad choices. Visit megaphone.fm/adchoices

Hello, hello, hello, and welcome to episode 100, guys. 1-0-0. I'm in the triple digits now of the podcast. I honestly, quite honestly, when I started this podcast almost two years ago, I never thought I'd be able to reach this point because 100 episodes, 100 interviews, well, some of them, they're solo episodes, but still, that's a lot of talking. And I had no idea this podcast would grow into what it has. So thank you so much for joining me for this awesome 100th episode. And of course, I'm Jessica Morehouse. In case you're new, welcome to the show. I am super pumped to celebrate this milestone, I suppose, and I've got a great episode for you. I am interviewing Elle Martinez. She is the podcast host of Couple Money Podcast, and she also writes about money and relationships

and all of that wonderful stuff at couplemoney.com, so make sure to go over there and check it out. So we will be talking about money and relationships and her story of starting her blog and then her podcast being a stay-at-home mom starting her business so she can be home with her kids and earn an income and everything in between. So it is a fabulous episode. I've got to say, I do love interviewing podcast hosts because they just are the best talkers. So we have a bunch of fun in this episode. So I'm going to stop yabbering because I also love to talk. And yeah, let's just get to that episode, shall we? Okay. Okay. Thank you, Elle, for joining me on the show. I'm very excited to chat to a fellow podcaster. As am I, a fellow woman podcaster. Yeah, exactly. Fellow women podcaster. Let's be specific here. There's not a lot of us out there. I definitely love chatting this up. So let's go. Yeah, let's do this. Let's do this. So

I want to get to know you a little bit more. You are the blogger and podcaster behind Couple Money. But, you know, where did this all start for you? Were you always really interested in money and personal finance? Or did that come later? What's the deal? So when you say interest, I will say I've always been interested in money. Not that I handled money. Growing up, we had, my father was a graphic artist and a designer and he was definitely one of those feast or famine. So we did either really well some months growing up or we had to be tight with money. So I was conscious of it and aware of it. And I've been reminded many times talking to relatives that like I was always doing these side businesses. I do the neighborhood recycling.

That was the cool thing for me apparently. I had contracts. I like the idea of having some money for things I wanted because I just felt like some months I would have an allowance, some I wouldn't. And I understood. I was old enough to understand that. And then later on, it was just my mom and the three of us and I knew that money was tight. So that's always been in the back of my mind. So on one hand, I was good about finding ways to earn money and I feel glad about that. But I, yeah, that's a hard thing to learn right off the bat.

So early. But the bad part is I kind of just spent that money. Yeah. So, I mean, I didn't have a grandma that was always encouraging me to save. So I did. And she would,

you know, match something if I saved a certain amount. But when we moved away, that kind of that good support system was left behind. And then I would say, you know, fast forward. I was that college student that had the credit cards and I was a working college student. So in my mind, I had to have a car and I was tired of having my $500 beater car. So I got a car loan and then did really well for my first two years. I got grants and scholarships, took some time off of school. And then when I went back, I wasn't as diligent. So I had some student loans. So the trifecta. Yeah, exactly. Exactly. Very common story. I think, you know, you go to

school or, well, I mean, you know, at least you did know how to make money, which is, I think, sometimes harder to learn. Lots of people know, you know, they may master the saving and budgeting, but when it comes to, okay, well, this is as much as I can do when it comes to saving and budgeting, how do I make more money? That's always, That doesn't always come so naturally to most people, I think. Yeah. And there's always like the other side of the coin where this can be like a real blessing or a burden. And I felt like in the back of my mind, it'll always work out. Even though life has taught me it doesn't always work out. You know, oh, I got something and I put it on my cart. I'll pay it off. I'll find something to do.

And so I had those bad money habits in there. So what kind of happened for you to realize that you needed to do something to change your ways and kind of take your money management to the next level? So this is going to sound horrible. It's a little bit of my competitive side. I met a great guy in college and we got engaged and we decided we're going to do the very adult thing of going over our finances. Oh. And I was like, you know, we were college students.

So on the surface, it looked like we were on the same ground you know where we were but I discovered he had no debt except for this very small not even one semester's worth of a student loan that he was going to pay off as soon as he graduated which he did a couple months later and that like kind of burned me I was like like, okay, I gotta, I felt embarrassed. And that competitive side again, I was like, okay, I have to at least have my credit cards done by the wedding. I'm not going to come into this, you know, with everything here, but I'm going to, you know, and I started hustling and doing all these side projects. I did pay it off before we get married. And that was kind of one step.

And then he was a really, and I say this, you know, I always tell couples, I said, have the money talk. It might be awkward. It might be embarrassing. And this is someone who's gone through it. But it's also an opportunity to find out what kind of person your spouse is or soon to be spouse. And he was a great partner in that he says, when we get married, this is our debt and we're going to work out a plan. So I felt safe enough to start talking about money and that made it kind of

regular part of our conversation, not that it consumed everything. But when you're more aware of, okay, this is our budget, this is what we have for the month, you naturally kind of shift your habits. And I think that's really, yeah, that's kind of a good sign, I think, of a good relationship when you feel comfortable talking about those really awkward things like money. And I remember me and my husband, I think we talked about money a little bit. And when we first started together, I was a student and he started working, but it wasn't honestly until we moved in together. And that was, I think, after five years together that we really started talking about money

seriously and kind of revealing how much we had and if we had any debt and everything like that. And it really felt like you were like, that is like one of the most scary and intimate things I think we've done together. Cause you're like, you know, you're really revealing. This is all I got. Don't judge me. I know exactly. You're like, you feel judged. And I guess I was more blindsided because, you know, we did all the college things, the cheap dates and going around town and what's free. So I was like, oh, this is going to be, you know, this is going to be easy. And then bam, that comes up. But yeah, having those conversations, I mean, even, you know, before you decide to get married, you know, even having with

your friends or your family, getting used to having conversations about money can have a tremendous effect. Absolutely. Absolutely. Did you ever, did you encounter, I'm just wondering, because, you know, you did plan a wedding together and money comes up and it's sometimes kind of a tough subject because you're already high stress because you're planning this big event and it's very important and it's very expensive. Did you kind of, was it kind of smooth sailing with you and your, you know, then fiance? Or did you kind of butt heads a little bit because you had maybe different money styles?

So I'm going to say to my credit. Actually, both of us were okay with having like a very small wedding and not even having like a huge reception at all, which we're actually the first born from both sides of our family. They weren't going to have that. So they did, they did contribute to that,

but we had a budget and we, I felt really happy about that. That was kind of like our practice session. We were looking for ways to save and still keep it a special day. And I think that was a good opportunity. Some things we did disagree on was, you know, you want to look good for your wedding. And, you know, he's thinking he's such a guy in certain regards of what's the cheapest. I'm like, no, no. What's the best value?

What's going to look good that day? You know, maybe you can get a suit that you can use for other occasions or so forth. You know, look and weigh at everything. And he's immediately like, okay, what's the cheapest I can get to get this, you know, get this done? And then, of course, the reception. I took a little more lead on that. Because I'm like, okay, we'll have some fun. We'll have this and that. I think it was easier because I already had the most awkward conversation ever. And there is a freedom. Like once you know your number, it like says, okay, from here on out, I'm going to, you know, do better, make better decisions. So that was something easy. But my

husband is naturally a saver and I'm a spender. But now we've learned how to play off of that and play to our strengths. So you're, you know, you've had your blog for a number of years and your podcast. I want to chat about that. How did you start your blog, Couple Money? Okay. So remember when I said it was competitive and I wanted to pay off debt? What I did is, at that time, since I was working college, I had a personal personal blog and i started kind of using that as a platform to chat with um with others connecting i remember get rich slowly was out there um bargaining some of the um was it originals yeah consumerism commentary i mean i was there like reading and i was like getting excited i was like oh yeah I can do this net worth update.

And long story short, it was so helpful to me and I really enjoyed it. But my mother-in-law found out about it. Oh. And so I sold that. So that also helped my finances. But she was using it. She wasn't being malicious. It was just she was really curious.

And then she was asking questions. And then she was asking other family members. And it just kind of got awkward. And even though I write about personal finance, I always I put life ahead of money, if that makes sense. No, absolutely. and just everything. I stopped that. And then I said, okay, this is good because it was originally just a personal blog that morphed into finance. Now, starting from day one, what do I want to talk about? And I realized at that time, there were personal finance sites, but there wasn't anyone addressing all those awkward conversations, the money fights, finding that balance. And that's what I wanted. I wanted a kind of a community of people that they wanted to get together. They wanted to use money as a way to work together towards some kind of goal because, you know, money is the number one source of stress in a marriage. And it's either number one or two,

depending on the year for reason for divorce in a marriage. And I wanted, you know, a place to kind of combat that and to change it up. And there's a lot more sites out there, which is great because, you know, every couple is different. And, you know, and hearing from other people, you know, they write in and, you know, what works for us might not work for them.

And that's kind of how I set up the blog from day one because I knew that, hey, there are certain principles in finance. But how you go about it is going to be completely different depending on your marriage because, again, I put that first. So can I give you an example? Yeah. Okay. Yeah. So like on my podcast, I had like, I don't know, it was like the year of people getting out of debt. I had three interviews of three couples that were six

figures in debt. Like a huge amount of different ways of getting there. But they all had different approaches. Like the first one, they were very like, I cannot believe we did this. We're going to get out. They were on the same page and they worked really hard. It was a family of five. And it still was a struggle. The mother had to go back to work. They were trying to find extra income and they got it done. And then the second one was she was she discovered Dave Ramsey. And she was like, honey, I got I got it you know we're sick and tired of being in debt I got a solution we're gonna do it and he's like wait wait wait I want to get out of debt but it was the sheer amount he's like listen we have little kids I want to still live

a life yeah you know this is a special time with them. I don't want to be eating rice and beans for like, it was like six or seven years or whatever the number she ran. So she had to find a way where she started it and kind of led by example. And then he started incorporating it and they found their groove and they got out of debt. And then the last one, he was in credit card debt and she was aware, but she wasn't doing the finances. And that's a tip I always have. I'm like, even if you don't care about finances, you should both always know the numbers regularly. Um, and just because of the credit crisis and the minimum payments just shot up for him, he was like, we're going to be bankrupt in three weeks.

You know, and they completely had to not just redo their finances, but the conversations and rebuilding that trust. And the good news is all three as of today, as far as I know, are still together. But for them, you know, on paper, it's the same situation. They're all in debt, six figures. But how they came with a solution that worked for them, you know, was individual. So that's kind of how I approach couple money when I write about it. Here's the principle. Here are some ways that you can incorporate it.

But you guys are going to know what's best for you, too. Exactly. And I think that those are great examples because I feel like, you know, when times get tough and, you know, a couple is, you know, approaching bankruptcy or something like usually you would think, you know, and most couples probably do this where they kind of blame the other person for, hey, how did we get into this mess? And that's kind of where the tension happens. And that's probably what kind of leads to a separation. Whereas, yeah, the right kind of thing to do if you do, you know, really love your partner and want to stick it out is by working together and having the common goal.

And because let's be honest, like I couldn't imagine trying to do that by myself. So it's, you know, easier together than apart. Yeah. And, you know, when you're and you know this as a podcaster, sometimes when people tell you their story, you on one hand are empathetic and you and you are appreciative that they're sharing their story because, you know, we can all learn from each other. Now, on the other hand, you kind of run it through your mind. If I was in this situation, how would I react? You know, and I have to be honest, like in that situation, if I was the wife, I was like, oh, I don't know if I could, how would we rebuild that trust, you know? And then I was like, okay, well, what if I was him? How would I feel? You know, at what point would I come clean? And it wasn't in any of the cases that they were trying to like sabotage, you know, he wasn't gambling, um, or, you know, playing the

lotto. It was, um, lifestyle and inflation and not being aware of where it went. And so that's, you know, with personal finance, there's so many conversations that you can have, whether you're married or not. Um, that I always say, you know, ask the questions and get to the, why, uh, why did this happen? Like for me, when I was in debt, we had that conversation. He asked how I got into debt and it was a lot of entitlement. Like, I deserve it. You know, I've been working and taking care of family and doing this and saying it out loud and talking it over made me realize I needed to change kind of that mental tape in my head and adjust that. So personal finance is so complicated in a sense of the emotions and our habits and everything

that's just tied into it. Absolutely. From the director of The Greatest Showman comes the most original musical ever. I want to prove I can make it. Prove to who? Everyone. So, the story starts. Better Man, now playing in select theaters.

One thing I'd like to just kind of pick your brain on. So, you have kids, right? Yes, two. Yes. Now, how does that change kind of the dynamic in terms of couple money? Because I always, you know, right now me and my husband, it's just us. And, you know, we still, you know, it keeps us busy trying to track all of our spending and keeping all that organized when you kind of throw kids into the mix and you're not just spending money on each other, but you're spending it on the kids. Like, how does that really change things? It was, okay, it was huge in two senses. The first one was, well, how are we going to go about this in terms of, you know, will one of us stay at home? Are we going to use daycare? You know, are we going to both work part time? Because I heard from different couples. I kind of knew.

I don't want to say like I was sure, but I knew at least for the first couple of years I wanted to be there more. Yeah. But the reality was I'm on one hand, it's a blessing. I was self-employed. But, you know, when you're the it person, how do you divide your time and attention? And so we had to sit down and kind of talk about that. And it was tough. And believe it or not, it was tough for me. I guess, you know, growing up, strong women in my family, the idea of not so much I would earn less, but I would just, I felt like, okay, I'm going to be working from home, mom. Obviously, my income is going to go down because, you know, I'm not going to be able to take as many projects. I can't do those last minute deadlines when I was like a freelance writer, you know, um, I think for me,

I, it, I needed those nine months kind of to make peace with that. Um, what helped was that he was supportive. He's like the, the worst thing that happens is you don't like it and we do something else. Um, you know, if you need to go back to work, then, you know, that's what we'll do. And I think that helps when you kind of had that pressure like okay I'm not going to commit to this forever we'll just see that helped and then the reality of and only one person warned me about this is having one kid that changes when you have two kids your your time is crazy, like crazy spent. So I will say like the last, not last year and a half, my second one is 19 months, has been difficult in terms of income because I just had to do less projects.

And that also was another motivation for doing the podcast, believe it or not. Because I had heard from readers, they're like, I need this information, but I just don't have time to read it. And I kept hearing it for years. And someone's like, hey, you should do a podcast, you should do a podcast. And I was so nervous. You're never happy with your own voice. You're like, what makes me qualified to do this? But being pregnant, I realized someone's like, this is an opportunity to connect with people and kind of set your own schedule. So pregnancy and all, I launched Couple Money Podcast while I was pregnant

and it's been a crazy ride. Yeah, I can imagine. That's intense. Like starting a can imagine. That's intense. Like starting a podcast on its own is intense. I couldn't imagine doing it while you're planning to have a second little one into the world. Wow. Props to you. Thank you.

Yeah. Would I do it again? I don't know, but I'm glad I made the leap. Podcasting has been like a great opportunity to kind of connect with readers that maybe I've heard from emails, but now, you know, they can listen to me and we can chat, you know, social media. But then I get to pick the brains of, you know, people that are interesting, that have, you know, accomplished something and just learn, you know, conversation. You can pick up so much on that. Absolutely. No, I absolutely love podcasting. Obviously, I get to talk to special people like you and pick your brain and, you know, and it's, you know, it's one thing to have a blog and share your journey, but it's quite another just to, you know, find out the stories of other people because everyone, you know, you would think stories of other people. Because everyone, you know,

you would think that you'd run out of things to talk about when it comes to like personal finance, because it's, you know, there's only so many things you need to know, really. But, you know, everyone has a different journey, a different story and a different perspective. And I think that's the kind of cool thing about personal finance podcast. Yes, it is. And you're right, because when you're writing down information and you're passing on like, Oh, I already talked about getting out of debt. You know, you've been doing it for years. Um, but when you're doing an interview and you're chatting with someone and getting to know their why and their how, um, it's, it's always fascinating to me.

Absolutely. Um, okay. So I want to kind of pick your brain now on a couple things. I'm thinking if a couple is in the boat where they're in a committed relationship, maybe they're thinking about marriage, what are some kind of awkward money conversations they should absolutely have before leaping into wedding planning and leaping into an even bigger commitment. Well, I definitely think you should know, I call them the numbers, like your overall net worth, getting the big picture, and then also understanding what debts do you have and what assets you have. But I don't think you have to necessarily start off with that because I know sometimes

it's very sensitive, very private. And depending on your background, you're like, oh, no, I'm being judged. So my suggestion is maybe starting out with why. And someone was asking, well, how do I introduce that when I'm dating someone and it's getting serious? I said, well, start with their goals and their dreams like where are you working now? But where do you see yourself in a few years? What would you like to do if money was an object? Yeah. Because besides with the finances, you kind of want to know if the person you're with, and I don't mean ambitious in a sense of they want to be CEO or a founder or something. Yeah. But you want to know they have some kind of drive towards something. Especially if you're someone who has a lot of energy to kind of get some commonality.

And then, okay, so you know, say if you want to start a business, well, how do you think that's going to work out? Maybe like have them come up with a very high level plan of how much money they need to save. And then you might start hearing, well, I've already started saving up or you might find out that, yeah, I don't want to say bad dreamers, but you know, that they're just a dreamer. You know, there's people that dream and follow through on that. And then there's people you talk about, even when you hear about their finances, oh yeah, I'm going to finally make a big break on this, but there's no plan behind it.

Definitely want to poke around. But sometimes when I've talked to couples and I've heard their stories, it's a little easier going from the, what are your goals and dreams approach and then easing into the numbers. Like, where are you now? How long do you think it will take to get there? Yeah. And how early, in your opinion, do you think people should kind of approach the subject

of money when they're dating? So that's a good question. I would say, okay. So there's like at some point where like who pays for what date. So I think when you start like, okay, we can't do this every week. You know, bring that up. Like, you know, you're taking me on a date. I love it, but I don't. I realize, you know, you have a budget and bills. Maybe we can work something out and just kind of ease into that, like maybe coming up with a plan like, oh, I'll come up with a date,

date night or so forth. And you kind of get an idea of maybe they'll be relieved. Yeah, exactly. Or maybe they're like, oh, no, no, no, no, no, no, no, I'm good. And they're always pulling out the credit card. How is that getting paid? I think when you start asking those questions in the back of your mind, just ask them out loud and just gentle prod. Yeah, exactly.

And usually in my experience, when you're the first person to kind of broach the subject of money, they are usually relieved because they want to talk about it, but they didn't want to be the one to bring it up because they're afraid of how you would react. Yeah. I know no one wants to seem like a cheapskate or obsessed with money, but there's like a healthy middle ground. So touching on that, and I think your gut usually tells you in the back of your mind you're wondering something. Like, well, how can he or she afford this all the time? Like in our situation, we were working college students. If we were starting to go to the country club for our dates, are you sure this is okay with your budget?

When you start having those questions in your head, I would say ask them out loud. Go for it. Exactly. Exactly. It'll be worth it. It's awkward, but it's like a Band-Aid. It hurts at first and then it's fine. Yeah, and I'm not saying every woman thinks about that, but it's not being a gold digger.

It's not being bossy or nosy. But I think you should both be comfortable talking about money. And if, you know, if you decide to get married, you know, down the line, have that foundation while you're dating. Yeah, exactly. It'll make, you know, all those kind of things that pop up, the hard things a lot easier to handle, and you'll kind of approach it more as a team. And there won't be any surprises. Like, that's the one thing that I'm super thankful for, because we started talking about money kind of early in our relationship, is there weren't any big surprises. It wasn't like, oh, you bought a motorcycle?

When did you buy? You know what I mean? We would definitely have a conversation about any big purchases. And we know we're on the same page. And we don't really argue about money because we kind of know where we're at because we make sure it's a kind of a regular conversation. And I guess that's probably another suggestion you have, kind of checking up on things on the regular. I'm a big fan. I call them money dates where you kind of sit down and, you know, I guess you can call it a net worth review, but that's boring. Yeah, I like money date. When you start off, it's going to be a little bit more about the numbers. But like now we will go out, maybe it's a date in. And it takes 15 minutes to actually look at the numbers.

Once you, you know, once you get into, you're spending kind of, I don't want to call it a rut, but there's the regular expenses and it might vary a little bit. So it's more to make sure everything's good. And it serves two purpose. You should always know your numbers. But sometimes in some couples, they'll have one person just do the day to day finances. Right. And they're good. But for some reason, something might get out of control. Like for the example, the guy that had the six figures of debt, um,

it was nothing malicious on his part. He wanted to be a good provider. Um, and it just snowballed and her not being aware of it, um, made it worse. So it really is a, it's a loving thing to kind of sit down.

Even if one of you is better with numbers, even if one of you is like, Oh my goodness, you know, I love doing this. Uh is my thing. You know, the relationship deserves for both of you to have an equal say and have an equal understanding. And I know I'm just going to go morbid here, but if should something happen? No, it's true. It's so true. Should something happen. There's already so much to think about. Make sure your spouse knows where the accounts are, how to access it if they don't already, and know what the balance is so they can take care of what they need to take care of,

especially if you have kids, please. That's a big tip. Sorry, I went dark there. No, no, no, no. Because I honestly, that was one of the first things I remember reading in a personal finance book when I was like in my early 20s. And it was like the reason, and this is an older book clearly because it was talking about how as a woman you want to know about personal finances. So if your husband dies, you won't be like, oh, where's all our money? And it's true. That's why you should absolutely both know what is going on. So if, you know, God forbid the worst happens, it's not like, oh, I don't even know the Pintour account, you know? Yeah. And also if, you know, not even if

the worst happens, but say if it's the wife and she is just slammed that month. It's a partnership. Hey, can you take care of these bills? I forgot to take care of them if you haven't automated them already. And I feel like your money should reflect your marriage. It should be a partnership. You're each going to have strengths. So I can see definitely divvying it up based on your interests. But you should also both be aware of what's going on, what's coming in and what's going out.

Absolutely. Absolutely. Well, I think those are some really valuable tips. That money date thing, that's something that I definitely need to implement again. We're kind of on and off and then you get busy, but I think it's important to put it in that calendar and don't, you know, just actually do it. Yeah, and have fun with it. And have fun with it. Have some wine, maybe some nice cheese. It's always fun. Yeah. Yeah, exactly. Make it a fun, like something to look forward to almost. Like a nice kind of time just to, you know, chat and look at your finances and then sit back and be like,

oh, I'm so glad we're good. And you talk about money and life and balance. That's what money does is when you're taking care of it, it helps you get to your life goals, your personal, professional, the goals you share. Most cases, you need money in some form. So for your money, yes, talk about the money, but also remind yourself of the why you're saving.

You know, whoa, we're socking money away for retirement or we're socking money in savings. That's great. But why are you doing it? Oh, yeah, because I'm going to start a business or maybe I want a baby. Maybe I want both, you know, and that keeps you motivated too. Yeah, absolutely.

Absolutely. Well, thank you so much, Elle, for joining me. I am kind of pumped for my husband to come home and me to be like, hey, we have some things to talk about. Great. I had so much fun. Thank you. You're welcome.

And that was episode 100 of the Momany podcast. Thank you so much for listening. Make sure to check out the show notes for more information about Elle, her story, some important things you need to know at jessicamorehouse.com slash 100. And of course, check out her fabulous website, couplemoney.com and her podcast, Couple Money Podcast. To learn more about couple money and money and relationships and everything in between, you will love it.

Promise. Episode 100, guys. We made it to episode 100. How crazy is that? And to celebrate, I have a iTunes review that just came in right in the nick of time so I can share it and a shout out on this episode. So thank you so much to TinyScooter1 from Canada. They say, this is the first financial podcast I've ever listened to and it is still my favorite. Thank you, Jessica, for this newfound hobby and thank you so much for making me a more financially responsible person. if you want to also make my day because it's episode 100 and I feel positive and happy and you know I could do I would like some podcast reviews if you would like to make me feel extra good today so all you have to do is go on iTunes

go on the app go on the desktop whatever you want to do takes two seconds to give me a review and I will give you a shout out on a future episode I would love to say hello and thank you for your review. So if you've got a few extra seconds to spare, please do. Now, I do not have a listener series

episode for tomorrow. I do have a couple coming up, but not tomorrow. So I will see you back here next Wednesday. And yeah, have a fabulous rest of your week.