More Money Podcast - 112 How to Empower Yourself by Taking Control of Your Money - Hilary Hendershott, CFP & Host of Profit Boss Radio

Starting point is 00:00:00 Hello and welcome to episode 112 of the Mo Money podcast. I'm your host Jessica Morehouse. Thank you for joining me for another episode of the podcast. Only a few more weeks of the show and then I'll be wrapping up the season but I have only the best episodes to come to celebrate the end of another season and reaching over 100 episodes, which still kind of blows my mind. So my next guest is Hillary Hendershot. And she is awesome. We are going to talk about personal finance, but also being mindful with your money, which I love. Now, she is a financial coach. She has her MBA and her CFP designation. And if that weren't enough, she also has a website, hillaryhendershot.com, where she writes a ton of helpful personal finance articles. And she's a podcast host herself at the Profit Boss radio show. And it is fabulous to have her as a guest on my show.

Starting point is 00:01:07 But before I get to that interview, I'm excited to share that support for this episode comes from the Simply Cash Preferred Card from American Express. It is ranked the top cashback credit card from Rewards Canada. And card members can earn 5% cashback on purchases for the first six months up to $300

Starting point is 00:01:24 and 2% on all purchases once the welcome rate ends. Visit amex.ca slash compare simply cash to learn more all about it. And of course, I'll include some more info in the show notes. So make sure after you listen to this episode, go to jessicamorehouse.com slash 112. All right, now let's get to that interview with Hillary. Thanks, Hillary, for joining me on the show. I'm excited to chat with you. I'm so excited to be here. Thanks, Jessica. You're welcome. I'm excited to chat with a fellow podcaster. It's always a pleasure. We give good audio. We really do. We know what we're doing.

Starting point is 00:02:01 So let's let's start off with getting to know you a bit more. You have an amazing story. I absolutely love what you're doing in the personal finance space and especially, especially with women, but I'd love to know how this all started for you. financial advisory business by my father. And so a few years after that began, I'm a certified financial planner, working with millionaires and multimillionaires during the day, he had a very successful practice. And so there I am one day, and I pull my convertible BMW into the Chevron station to fill the tank with gas. And I put the nozzle in the gas tank and I run my credit card and it gets declined. And then I run my credit card and it gets declined. And, and then I run another credit card and that's declined and another credit card and that's declined. And ultimately I was not able to even buy a tank of gas that day because I had emptied my retirement accounts and my bank accounts and maxed out my credit cards trying to pay for a mortgage that

Starting point is 00:03:00 I couldn't afford. And I was, I was a chronic overspender and I, I decided on my, on my walk of shame home from the Chevron station, I had to leave my BMW there. Oh my God. Um, that I was going to figure, figure this thing out that here I was, I had a degree in economics. Again, it was a certified financial planner. And I had really good intentions. Like I intended to be financially successful. I just had really, really bad results. And so I said kind of like I know I can figure this out if I put my mind to it. And I bet, I bet if I can figure it out for myself that I can give it away. So that ultimately is what I did. I became an expert in behavioral finance and kind

Starting point is 00:03:45 of money psychology and, um, was able to apply what I learned to my own life. And, and now I've integrated that into my own practice and my brand and my coaching. And, um, so I'm, I kind of, I say, you know, no matter where you are financially, I've either been there or I know someone who has. And so I'm a very judgment-free zone. I mean, we people relate to overspenders like they're short-sighted or irresponsible or bad people. And I just don't believe that. I think that we're all kind of coded with this money script. And if you don't know what your money, I call it a money operating system. If you don't know what that is, you're kind of helpless to do anything about it. So that, that really is where it all got started. I mean, unless you want to go back all the way to childhood. I'm so curious since you mentioned that you, um, you know, had an issue with

Starting point is 00:04:40 overspending, did you, and now you're, you know, uh, you know, very much integrate this psychology into the personal finance. Did you ever kind of figure out what the root of that was? Or was it just you just didn't know any better? Yeah, no, there's definitely a root. And it's counterintuitive. So what happened is in my childhood, I happen to have a mother who worked in a hospital laboratory, she was a good earner, but she's also a really good saver. So there was not a lot of extra cash for me to have the things that I wanted. And, you know, she would only give me $5 for birthday gifts for my friends. And like, I had to wear like Payless brand high top tennis shoes. And so for me, what became true about money is that there's never enough of

Starting point is 00:05:26 it. And that kind of scarcity money operating system is very common. It's one of the most common money operating systems. There's never enough money. And so if you're listening and you just want to know, you know, is that your money operating system? Well, just ask yourself, is that your experience of money? Because we manifest our belief about money. All the things we believe are ultimately superstitions about money. I mean, money is an agreement. It's literally man-made. It's a blank slate. It doesn't have any nature, right? So we have all these superstitions that we believe, like money is the root of all evil. It's bad to want money. Rich people are greedy. None of those things are

Starting point is 00:06:06 objectively true. They're just stories that we believe and live into. And so, um, so I, I grew up with the imprint, there's never enough money. And then in my twenties, I start earning money. And so how you manifest, there's never enough money when you have money in your bank account is you spend it. Right. And so, and so when money, I always had the experience that money burned a hole in my pocket. And the only thing there was to do was spend it. And I, I, I had some sort of parallel beliefs that being, I wanted to be perceived as rich because being rich was successful and that how to be perceived as rich is to spend money. And I had to learn that actually being rich is about not spending money.

Starting point is 00:06:52 That is so interesting. I find like it can kind of go two ways because I have kind of a similar background and I know lots of people who have a similar background where there wasn't a lot of money growing up and either they become huge spenders later on because they never got the chance to have money or spend money when they were younger, or they go the opposite route where they're very frugal and they kind of hoard their money because they're afraid that it'll run out because they never want to kind of go back to the poor old days. Isn't that interesting? Yeah. And I think you'll find that those people who spend because they never got to got the same money operating system that I did. And the people who you say hoard their money, there's something that happened that actually made them fearful.

Starting point is 00:07:36 So it's not just that there was a scarcity of money in their childhood, but that something actually happened. I give you an example. Someone I know had, when she was in grade school, her father, who was a doctor, left the family, four kids, and the mother wasn't working and didn't send money home. And so she got really quickly that money, if you don't have money, you're not all right. Okay. And when I met her, she was in her early twenties and she already had $60,000 saved because she couldn't let go of money. She, she white knuckled it. Right. So there, when you say hoard, hoarding is a fear and, and her fear was that she would end up in that, in that situation again, where they didn't know

Starting point is 00:08:20 where, you know, dinner was going to come from. And so it always sort of goes back. I mean, in pop psychology, and in real psychology, it always goes back to the childhood. Oh, for sure. Oh, for sure. It's fun. And the reason I mentioned that is like, I think I do have money hoarding tendencies have gotten better. But I do find it hard to let go. I find so much more satisfaction and saving than spending, whereas my husband's kind of the opposite. He does enjoy spending more than saving, but we have very kind of similar, you know, we, you know, we both grew up in kind of, uh, you know, middle-class families and, you know, we got everything we needed, but we certainly didn't, you know, we didn't get everything that the other kids got. Then we were always, you know, but he kind of, yeah, has a bit of a different, uh, I don't know, I guess, operating system than

Starting point is 00:09:07 I do. Yeah. And that's a tough, that's tough because how do you navigate that? You know, and ultimately it has to be around a plan. Exactly. No, I think how we have, I mean, it was different when we were dating and we kind of just kept everything separate. But now that we've been married for a couple of years, we've really kind of, you know, we realize we're very different when it comes to like, what money kind of means to us, like, at the root of it. But I think how we can come together is when we create goals together. And then we can, you know, yeah, more bigger picture stuff kind of makes more sense to us. Right. And, and, and, and I'm saying this

Starting point is 00:09:46 because it's going to help your listeners is, um, you have the opportunity as a couple to sit down and really look at the roots of those tendencies and, uh, the kind of broad strokes, uh, analysis would say, well, Jessica's better with money because she prefers to save it than spend it. And, you know, and, and your husband was more sort of freewheeling or something like that. But ultimately, until you're free in your relationship with money, you're sort of bound by that, that past relationship. And so you can both experience freedom and success if you're able to not just like romanticize your past and that money operating system, but maybe take steps to transcend it. So how does one, you could have mentioned like being free, like how does one get

Starting point is 00:10:32 to that point? Is that a long journey? No, I'll make it short. We'll make it parsable because it's experiential. You're not going to get it by listening to this particular episode of this podcast. But you can only alter because your mind is a very powerful thing. And language is almost prescriptive when it comes to our experience of life. And so you have to alter your scripts about money and yourself and your life. And that happens when the rubber meets the road. So you need to go produce results that are in direct contrast to your money operating system. And so for me, you know, I, I put, first of all, I was very specific about the language I would use with money. I will not ever say I can't afford that.

Starting point is 00:11:27 I will never say money doesn't grow on trees. I will never say, you know, rich people are greedy. I just won't. I won't say those things. And I took on a very specific financial automation plan. Just an elaborate sort of pay yourself first kind of a plan, but that didn't require me to use spreadsheets or, or, or track like categorized expenses. That's not my nature. And most people don't love that kind of budgeting. Um, so I just filled a bank

Starting point is 00:11:58 account with my quote unquote allowance and that's all I spend. And, um, and it works. And then as, and then, and then very quickly, um, it got to be that my reality was used to be every time I would log into my bank accounts, there would be about 10% less money in the balance than I thought there should be. And then that altered. And now there's about 10% more. And that continues to this day. Like every time I log into my bank accounts, I'm like, I have this reaction, like, wow, there's like, there's about 10% more. And that continues to this day. Like every time I log into my bank accounts, I'm like, I have this reaction, like, wow, there's like, there's more money in here than I thought there would be. And that's in direct contrast to there's never enough money. Right. Um, and I kind of teach, um, uh, a system sort of, sort of like the eight principles of wealth, which have to do with turning that whole

Starting point is 00:12:46 thing on its ear. I mean, you learn to negotiate for your money and ask for discounts on things and increase your income and invest with an evidence-based methodology, but it comes down to an internal locus of control or taking responsibility for your results. And so I think you can, in my experience, you can completely alter not only your experience of money, but your results around money in about six to nine months. It doesn't happen instantaneously because you have to interact with the reality of money. Like money has a real nature to it

Starting point is 00:13:21 and you have to really look at it with new eyes. I hope that helps. No, absolutely. And I actually, I really liked when you mentioned the language you use about money. Cause I'm absolutely like, I never even thought about this, I think consciously, but it's true. I never use the terminology or the phrase, I can't afford it. Cause I know some people that do, and it really drives me crazy because to me when they say it, it sounds like they're kind of the victim. Like, well, I never got enough money so I don't have it and I can't do that. It's like, well, you know, you can earn more, you can save more. There's

Starting point is 00:13:56 things that you can do. And it is very kind of like they're not taking responsibility for, you know, that money isn't just, you know, given to some people, not for some. I mean, you can kind of do what you want with it if you really take action. And I think a lot of people don't think of it or they're just, yeah, used to being like, well, I was born in this kind of income, you know, tax bracket and I'm still in there and that's just how it is. It's like, well, not necessarily. You can change your fortune. You can change your wealth, you know? I mean, what they're saying is that money is more powerful than they are. Exactly.

Starting point is 00:14:28 And they are the ones who determine that because money isn't anything. So, you know, another thing you can say to replace I can't afford it is, huh, how can I work that into my plan? Exactly. Or if you're not going to buy it, just say, I'm not going to buy that. Exactly. Or how can I afford this? Let's figure it out. Yeah. I always am more of a how than a, I can't, I hate that, you know, the, just the word or just like the mindset that I cannot do something, but that's like a whole, that's like beyond personal finance. That's just me. I'm always trying to like kind of push the boundaries and see how far I can go. And I think that's important too. I mean, money is, you have a, you have,

Starting point is 00:15:10 you don't have a financial life per se, you have a life. And so the philosophies that you face life with are the philosophies you're going to face money with. So I think that's spot on. Mm hmm. Now, I love that you have a specific kind of focus on educating women, because I think that is so important. I think for a long, long time, the focus was on, you know, the men were kind of the money managers, they were the investors, all this stuff, which is ridiculous, because we're in 2016. And still, a lot of people still have this mindset that, you know, oh, it's okay, my husband or my partner or whatever deals with it. And I really love that you're focusing on educating women to take control of their money. And,

Starting point is 00:15:49 you know, when you have money, and you have your own money, you have independence, you have options, you have choices, which is I'm all on board for. But I'd love to know why specifically it means so much to you and why you want to kind of go in that direction. Yeah, so much. I know. Like there's that speech by Steve Jobs who says you can only understand your path by looking backwards on it, like by looking in hindsight. There's so many things. I mean, I think when I was young, I, for various reasons, didn't have the skill set to have girlfriends. And I always longed for a circle of female friends. And when I was able to do that, when I sort of moved past those blocks and was able to have girlfriends in my life, because I hadn't had them before and now I do, I'm always

Starting point is 00:16:41 so grateful. Like I'm just present to feeling blessed because by the way, it's the same way with money, because I not man hating. I'm married to a man that I love very much. Uh, and I, and I am a feminist, but again, it's not about being anti-man. It's, it's, um, it's that for a long time and you put hit the nail on the head, wall street has been by men for men. Um, and you know, I hear so many women saying, yeah, going to see the financial advisor is kind of like getting a really patronizing speech from my dad. Yep. Been there. I've been there. And it's like this year. And I'm like, are we really? This is 2016. And this is, honestly, I think that's just represents a lack. It's probably a combination of like a true lack of interpersonal knowledge and empathy and compassion on the part of the male financial advisor and a naivete and a willingness to be criticized on the part of the woman. Now, and so it's like a two pronged sort of problem. But empowering women is like why I'm here on the planet.

Starting point is 00:18:06 I mean, it just is my sweet spot, my zone of genius. It's like what moves me, gets me up in the morning. I had a baby this year and people said, oh, you know, all your priorities are going to change. And don't get me wrong, like that little girl has my heart. But no, I like like I am here for more than one human being or two human beings. Like I created a mission to empower a million women to become millionaires. And that's like, that, that's a reason to be on the planet. Right. Um, so, so, so, and, and truth be told, I believed as I was coming up into the business,

Starting point is 00:18:48 I believed for a long time that I was the wrong age and the wrong gender. I would go to conferences and all I saw around me were guys who looked like my dad, like old white men. Right. And I really, um, just to speak to that woman who's sitting in that room with that financial advisor, who's naive and willing to be self-critical. That was me. I, I thought who would hire me, who would work with me? Like, I just don't look like these other guys. And then one day as an errant thought traversed its way into my brain and it said, yeah, but there's somebody out there looking for you. And it was like, like my world cracked open.

Starting point is 00:19:28 And I don't know, something shifted like energetically in the world. I'm not very woo woo at all. But I think four people called me and hired me like the next week. My my business just exploded in terms of growth. And I really got clear that this message is what I do. And also, a lot of my clients are married, right? So about 35% of my clients are men. Really?

Starting point is 00:19:55 Yeah, and I call them modern men, sophisticated men, evolved men. I say, you're evolved. But I think that, so the old marketing in the financial advisory space, and stop me if this isn't interesting. No, this is so interesting. Yeah. If you talk, if you look at the content that's financial advisor facing that says, what do your clients want? Like, how do you woo your clients and make them be loyal? What they, what they want is exclusivity. They want to feel important. They want to sit in your big austere office and smell rich mahogany and leather bound books. And, and, and I think for women that that's not necessarily the case. Like, yeah, I guess it's

Starting point is 00:20:40 nice to feel exclusive, but where are we best? We're best in community. Women want to be in tribes. We want to sit around with a glass of wine and dish. And so I think I'm the person who's going to make it okay for women to sit around and dish about money and for you to stand shoulder to shoulder with another woman and say, yeah, like I'm at, you're at a hundred thousand, I'm at a million, but we're both going for the goal. Like we're both going for the prize and I'm going to support you and you're going to support me and it's all good. And so that's kind of, that's kind of the, my mission is to create those communities and, and to make money a thing that we not only talk about, but support each other to have in the same way that we support each other to date and get married and have babies, right?

Starting point is 00:21:30 Absolutely. No, and I totally agree with the community thing. I feel like especially as I've gotten older, I've realized how important that is to have in my life. And without the different pockets of communities I have or the ones I've started. I mean, I don't know. I just I don't think I would have would be as fulfilled or as happy. And it's so nice talking to other people about what they're doing with their money. So it can motivate you to keep going. You don't feel alone. And I think that's another kind of issue. A lot of people are struggling with their finances because they don't know who to talk to. They feel alone. They feel like no one else is going through it and they don't know, you know, where to go. So I'm happy that you're on this mission to kind of rectify

Starting point is 00:22:08 that. Yeah. I mean, having those relationship, it just deepens and enriches your experience of life and, and you don't have to be an expert in something to give someone to contribute to someone in that area. Right. And in many ways, we a lot of times, like especially online now, we try to learn from the experts. Well, you're at the peak of your career. Guess what? There's 100 steps for me to get there. I need to talk to the person who's just five steps ahead of me. Exactly. So so that's I think you get it. Yeah, I get it. I get it. One thing I did want to also talk about was, you know, a big portion, I think, of personal

Starting point is 00:22:52 finance, especially with women is, you know, being financially independent and owning their money and understanding it. But, you know, it is common to get into a relationship and break up or get a divorce. What are ways that women can protect themselves financially? Cause I know, I feel like I don't have this statistic, you know, in my head, but I remember reading something specifically about when, um, you know, couples, you know, separate or divorce, it's usually the women that have to deal with the most financial repercussions. Well, right, right. Because typically the man is earning more, typically not always. And the woman takes on what can be a mistake is taking on the family home and caring for the kids. I mean, that's one of the big things is if you're going to fight for often fighting for the family home is a financial mistake because you got to make sure you have enough money to pay the mortgage.

Starting point is 00:23:54 So I think first, the best thing you can do for yourself, whether or not you're ever going to be divorced, and I hope that no one has to go through an unwanted divorce, but you got to know, if you don't want to quarterback the money in the couple, and that's okay. If you're not the one setting the strategy, I would love it if you come to know if you don't want to quarterback the money in the couple, and that's okay. If you're not the one setting the strategy, you know, I would love it if you come to the table and be a partner in setting the strategy, but you have to know what's going on. So, um, find those account statements, know where the logins are, know the passwords, understand approximately what are the balances, um, how much, how much savings is happening, right? So that you at least know where the money is. Don't just sign the tax return that he puts in front of you. Actually understand. Look at the front page of the tax return. What's our household income this year? Oh, so there's we have two hundred thousand in income, but only four thousand in the bank. Where did it all go? Right. Just be inquisitive. Be, um, uh, you know, there, there's a, um, a superstition that men are better than women and boys are better than girls at math and numbers.

Starting point is 00:24:53 And there are so many studies that have proved all that wrong. And you do not have to be an expert at, at numbers and finance to understand broad strokes, what's happening in your financial life. So, so the question specifically, Jessica was, how do you protect yourself in a divorce? I'm clarifying. Oh, yeah, that's it. That's it. How can you know, if you know, obviously, we don't want any, you know, that to happen. It's a terrible thing to happen. But it does. So how can women, you know, be, you know, I guess, protect themselves or, you know, do what they can to make it, you know, less financially hurting? Yeah. So being savvy and being aware is the best thing you can do to protect yourself. Moving backward in the timeline a little bit, if you come to the relationship with assets,

Starting point is 00:25:43 you have the opportunity to set those assets aside. For example, I have clients and I will call their IRA or IRA, I will call it sole and separate property. I think you're in Canada. And I don't know exactly the Canadian translation of that, but basically anything that you brought to the union can be set aside as an asset that would be yours if anything should happen to the union or the marriage. And inherited assets are the same way. Even if you're married, if you inherit something from your family, you can set that aside as long as he doesn't put money into the account. You can set money aside and that will be earmarked as yours if you choose not to use it on joint expenses. Now, you don't have to do that, but that's an option that I always try to make people aware of.

Starting point is 00:26:31 Now, if you know you're going to get into a divorce, you've got to take stock. You've got to understand what your expenses are. Choose your living place carefully because you don't want to go over budget if you are earning less. Again, I don't know about in Canada, but in the United States, you can get what's called a temporary order for support. So he does not have the right to, and you don't have the right to close and liquidate bank accounts, you know, do things that are going to be very, very financially destructive to your partner. Ultimately, even though your romantic partnership is ending, the more you can do to be very still in the financial partnership

Starting point is 00:27:14 until it's officially dissolved, the better everyone's quality of life is going to be. And then as you're going through the divorce, it's just this whole process of taking stock of what there, what there is in California, we're a community property state. So, um, you know, like you, you deserve half of the assets and half of the income. And if you earn more, you'll owe him some, some, some, um, alimony or, or, um, support and, and vice versa.

Starting point is 00:27:49 And it can be a very, very tricky time, a very emotional time. So if there is a way that you can find a support structure, someone to talk to, a coach, maybe I know there are financial divorce coaches out there to be less emotional, frankly, about money, you're, you're just going to be very glad, um, in the future because decision you're making decisions now that'll impact you in the future. And so you just want to be careful and make sure you have, um, a good head on your shoulders when you do that. Absolutely. Now I want to kind of end

Starting point is 00:28:21 on a, a lighter note. But what I really love about your, I was on your website recently and what I really love is there's a section about things that you believe in and they're all tailored to personal finance. And if anyone wants to check it out, I'll include the link in the show notes. But basically it's just very,

Starting point is 00:28:40 just positive and empowering to kind of get you excited about taking on your finances. But I'll just read a few and we can maybe kind of discuss a few of them because I think they're really great. So it's like, I believe you can be financially free. I believe in your economic independence. I believe you're always free to imagine, design and create wealth in your life. I believe that wealth is well-being, which I really like that one. And I'll do one more. I believe having money creates options. So it seems kind of like the theme is, you know, you are in charge of your life, and you can be in charge of your money. And when you are in charge

Starting point is 00:29:20 of your money, you know, kind of the the options, the opportunities are endless, which is something that I try to live by as well. I think you're, first of all, you're going to make me cry. Like a good thing. Like it's very touching. First of all, I'm touched that you read that second. I'm touched that you thought enough of it to, to read it here. I think that my calling is to be the voice for women that says anything is possible. Like you can bring me any financial trauma, drama, mistake. You can tell me your sob story. I will be compassionate and empathetic. I will give you a hug, whether that is real or virtual. And the only thing I will ever say to you in response is you can have anything you want. Like you can decide now and you can take new, new actions and you can produce brand new results. And I have lots of, um, stories and evidence that all that's true, but that's, that's really my,

Starting point is 00:30:18 my role is to, is, is to be the voice of possibility for people because, man, money can be an emotional, emotional debilitating subject. If you look out in the media, if you talk to other people who are in debt or who are financially disempowered, that's just a danger zone. So I'm like the opposite of that. And I think, I mean, man, given where I came from financially, I mean, I had a $400,000 mortgage and a condo that was only worth $200,000. I had $40,000 of credit card debt. I got a car repossessed. I mean, I was a wreck, right? And I, you know, including the value of the business that I own now, I definitely have a seven-figure net worth.

Starting point is 00:31:06 And I mean I've found my voice as it regards Wall Street and investing and money. And I mean I think I am an example of all that anything is possible-ness. and, um, and while talking about money and wall street and investing in Roth IRAs and, um, and, and Warren Buffett, that's all very, um, you know, unemotional. Ultimately I am very inspired about what's possible in life. Yeah, absolutely. No, it's, you're definitely up my alley here with all of this stuff. This is something that, you know, part of stuff. This is something that I'm on a very similar mission. And it's exciting that there's lots of other amazing people like you out there to help people that are in need. See, we were already in a wealth mastermind, an international wealth mastermind, and just found out about it. I know. I know. How crazy. Well, thank you, Hillary, for joining me and chatting with me.

Starting point is 00:32:09 It was awesome. I'm excited to listen to this episode, actually, after this recording, because it was so, so good. Awesome. Thanks for having me. And that was episode 112 with the fabulous Hillary Hendershot, financial coach, NBA and CFP, and host of Profit Boss Radio, a fabulous women and money podcast. So if you're listening and you're looking for another awesome podcast to listen to on your commute or whenever, I highly recommend her Profit Boss Radio show. And of course, don't forget to check out her fabulous website, HillaryHendershot.com. I'm a big fan. So I'm going to also link to it and share some more info about her and what she's up to in the show notes. Another thing that you can

Starting point is 00:32:56 find out in the show notes is more info about that Simply Cash Preferred card from American Express. It is ranked the top cashback card from Rewards Canada, and card members can earn 5% cashback on purchases for the first six months, up to $300, and 2% on all purchases once the welcome rate ends. Again, more info in the show notes, but also just go to amex.ca slash Comparatively Cash to learn more all about it. And as I mentioned, there's only a few more weeks of this podcast and to be specific only two more weeks uh next week i will be interviewing the fabulous couple from his and her money love those guys and then i'll be capping off this season season four of the

Starting point is 00:33:40 momany podcast with a uh solo episode i haven't done one of those since the beginning of this season, I think. My goodness, how did the time fly by without that happening? So much has happened in the past six months. So very excited to share that, you know, season ender solo episode with you. And if you're not already subscribed on iTunes, that is a great way to kind of look at the whole archive of all the episodes I've released since I started this thing two years ago. But also I you know what I really love? I really love good old iTunes review. So if you are really enjoying what you're hearing, please take a few minutes after to go on your phone or your computer or whatever and leave me a iTunes review and let me know what you think and I will give you a shout out uh well either

Starting point is 00:34:32 next week or the week after or in season five of the show which will be sometime uh in the fall of 2017 so thanks again for listening and I'll see you back here next Wednesday this podcast is distributed by the women in media podcast network find out more at women in media.network

More Money Podcast - 112 How to Empower Yourself by Taking Control of Your Money - Hilary Hendershott, CFP & Host of Profit Boss Radio

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