More Money Podcast - 113 Managing Your Money Successfully as a Couple - Talaat and Tai McNeely

Episode Date: June 21, 2017

Managing your money with your partner doesn't have to be awkward or even difficult, and Talaat & Tai McNeely from His and Her Money share how to do it successfully. Long description: For my second to last episode of season 4 of the Mo' Money Podcast, I chat with Talaat and Tai McNeely, America's favourite money couple from His and Her Money. We talk about how they got together and figured out their own financial differences, then what led them to start helping others and sharing their wisdom with the masses through their podcast and YouTube channel. If you're in a couple, and you have a ton of questions about how to manage your money successfully with your partner, this Talaat and Tai have the answers. They've been together for over a decade and have been through or seen it all. And their advice is on point! At the end of the end, it really just comes down to open communication and respect. Just like working through other issues in a relationship, you need to listen to your partner, understand where they are coming from, compromise and really tackle those issues as a team. Talaat & Tai's Top Blog Posts 3 Words That Will Help You Become Debt Free Faster 9 Smart Financial Moves Every Single Should Make Does Your FICO Score Really Matter? Follow Talaat & Tai on Social Like Talaat & Tai on Facebook Follow Talaat & Tai on Twitter Like Talaat & Tai on Instagram Subscribe to Talaat & Tai on YouTube For more podcast episodes, check out the podcast page. Show notes: jessicamoorhouse.com/113 Learn more about your ad choices. Visit megaphone.fm/adchoices

hello hello hello and welcome to episode 113 of the mo money podcast i'm your host jessica morehouse and thank you so much for joining me for the second to last episode of season four of the show um so i have got this wonderful episode my last interview episode of the season. And then next week, I will be sharing a final solo episode with myself to kind of give you a recap of what the season's been about, some of my favorite guests, and also just what I've been up to these past six months since my first solo episode of the season. A lot has happened, so I definitely want to update you and give you just an idea of what I've got going on in the future. But before I get to that solo episode next week, this week, I've got an amazing, amazing episode for you.

I'm interviewing two of my favorite people, America's favorite personal finance couple, Talit and Ty from His and Her Money. They are such a cute couple and they've got an amazing website with some great blog posts, but they also have a fabulous podcast and YouTube channel. I don't know how they do it all so well, but they do. So I'm going to chat with them in this episode about, you know, managing your money as a couple and relationships and how to do it successfully, because they've definitely found the secret sauce for doing it. So you are going to absolutely love this episode. And I'm going to get to it right now. Hello, and thank you Ty and Talat for joining me on the Mo Money podcast. I'm super excited to chat with you both.

This is the first time I feel like I've had two guests on at once. Wow. Thank you. Thank you so much for having us. Yeah, we're super excited to be here. Absolutely. So it was a pleasure to meet you in person at FinCon because I've been following you guys for a long time.

So it was a little bit of a celebrity moment. Like, oh my gosh, it's his and and her money it was great meeting you as well the feeling is absolutely mutual oh oh thank you well i'm a big fan of yours but i'm also a big fan of your guys's story it's super uh relatable and just super motivating and inspiring, especially your dynamic, which is, I find very interesting, especially me being married and me and my husband are very kind of similar to you guys. I'm the one good with money, my husband, not so much. And so we've been, you know, together 10 years, married for four. And, you know, we've had to learn from each other how to manage money and, you know, how to do that without arguing, how to make smart decisions together. So I'm excited to chat with you about, uh, all of your, uh, wisdom. Cause you've been

together or you've been married for eight years and you've gone through a lot of ups and downs when it comes to your money. Yeah. We've actually been married for 10 years. Oh, there you go. Well, happy anniversary guys. Well, our story is I think an incredible one. Um, and I, guys. Thank you. Well, our story is, I think, an incredible one. And I don't think it's as unique as we first thought. I think that there are a lot of people in our boat, but I don't think that the outcome was the same. And so we started our marriage off as two polar opposites from a financial standpoint. Although we both have very similar upbringings. We both grew up in two-parent households, middle class, and our parents took care of their finances and things of that nature. But for me personally, my parents were

very frugal, I think is the politically correct term. And so when my friends were going to school with the brand new Air Jordans on, I was going to school with the pay less version. And, you know, that wasn't always appealing to me. And so I grew up with this mentality that the way they were handling money, although as an adult, I can see that the way that they were doing things was the right way to do it because they were able to retire comfortably, debt free. Their house was paid off. Their cars were paid off. And they were able to have the retirement that a lot of people can't have because of the decisions that they made. But as a teenager, I left the house at 17, joined the military and was out on my own, had my own income. And my mindset was I'm going to do everything the complete opposite of

what my parents did because I didn't like the way it felt to not have all the nice shiny things that my friends had. So when I got my own money, I went out and got a bunch of nice and shiny things. And I ended up in a bunch of debt and had nothing to show for it. I went just crazy with spending, developed some awful spending habits. I mean, my mentality was just awful. If there was money in my account and payday was a couple of days away, I just felt like there was no reason for that money to stay in my account. I needed to find something to buy. What's the point of keeping that money in there if some more money is on the way? Because I had to have everything with the name brand now that I was out on my own. And eventually it caught up to me and eventually it overcame me because I was not only spending every last dollar that I had, but I began to spend

dollars that I didn't have and begin to get credit, credit cards and loans and payday loans and loans from other loans and payday loans to pay off the other payday loans. And I ended up with over $30,000 worth of debt, nothing good to show for it. I didn't have a degree, didn't have any real estate. I just had a bunch of dumb stuff and nothing positive came from my reckless financial habits. And I ended up in a terrible cycle, frustrated and just trying to figure out what in the world am I doing with my money? And it was just a terrible, terrible feeling. While at the same time, I was falling in love with somebody who was completely the opposite of me.

Totally opposite of him. I, on the other hand, grew up in a family of five. It was five children and I am an identical twin. So I was used to not always getting what I want. I had to always share and things like that. So when it came time for me to purchase my own vehicle at the age of 18, I went out and bought it on my own and paid it off in like less than 13 months. Wow.

I completely despised and hated money. Hated debt rather. Sorry, I hated debt. I hate being in debt. than 13 months. Wow. I completely despised and hated money, hated debt rather. Sorry. I hated debt. I hate being in debt. Um, I love money. That's why I want to keep money and pay off of my debt, you know? Um, and so then I was also able to go to college and work my way through college completely debt free. And then as Tyler said, I married and met him and fell in love and we got married and he was a total opposite of me. So needless to say, it was like both our worlds collided and it was a disaster waiting to happen. Absolutely. I'm curious, like you, uh, what was the conversation like when you were, you know, getting serious in your relationship and thinking about getting married and then, you know, the big

reveal, Oh, we are very different money personalities. Like how did that go? And did that kind of, I don't know, make you second guess anything? Um, well, the way that it really started out, I thought Tyler was great with money. He led me to believe that he was, um, I knew that he was in the military getting paid very well. Um, he had roommates that he lived with. So in my mind, I didn't know what he was spending his money on. He didn't have any children or anything like that. So it wasn't like he had to take care of any other obligations except himself. So I thought he was just saving money and stacking money aside. And then three months prior to us getting married was when it all came out that he actually had more debt than I thought that he had. And it was devastating. Oh, yes, I absolutely did. I did second guess whether or not I should walk down the aisle simply because honesty is big and integrity is big

in my book. And so I want to share that with everybody out there. If you are in a serious relationship and you're planning on marrying this person, be honest. That's the best thing you could do is be honest. Share with them if you have any any debt, see Talon on the other side of it, you know, he was working a second job to pay off this debt before we got married. So he was doing the right things. He just wasn't involved in me. In it, I was unaware of what he was doing. And so but he had fear that I was going to run the other way and leave him. And so and I actually did the opposite. So when you decided, OK, no, I'm going to choose love and we're going to work out this together. You know, what was your kind of game plan? You're just like, OK, your debt is my debt now and we're going to we're going to figure this out together. Absolutely. Surprisingly, like my wife said,

I thought that if I came clean, that that was going to drive her away because she was this this finance guru. She had a finance degree. She was working for one of the premier financial institutions in all the world and doing well at it, getting awards and accolades in this industry. And I was just this money idiot. And so I thought that if I told her the truth, she would run. But she actually didn't. She took that approach that you just mentioned. She said, well, your debt is no longer your debt. It's our debt. We are marrying you and I'm marrying everything that comes with you. And we're going to tackle this as a team and we're going to unite together. And that's exactly what we did.

And because of that, we were able to become debt free within the first year of our marriage because we decided at that point that it was no longer going to be his and hers going to be ours. So yeah, that is, I guess, answers kind of my other question is how do you manage your money together? It's something that I kind of shared on my blog recently with my husband. We kind of do a separate but together, so we don't pull everything together. We kind of, you know, have our joint kind of do a separate, but together, so we don't pull everything together. We kind of, you know, have our joint, uh, kind of money, but then we also have, uh, separate accounts for everything. And that just kind of works for us, but it seems like you kind of do, you know,

our money is our money completely. I'm so curious how you manage that without arguing, without killing each other. Yeah. You know, we're just old school in that way. I think we're a product of our environments. That's the way we grew up. Both our parents operated in that way. And so for us, that was kind of like a no brainer. She asked me that question during our engagement phase, what I thought about it. And I said, well, I thought everybody put their money together. I didn't know there were these other options out there. But no, we're old school. We have multiple bank accounts. That's one of the things that we're well known for is this

video we did on YouTube called Why We Have 13 Bank Accounts. Everybody's like, 13 bank accounts? What in the world? But it makes sense once you hear the details of it. But every last account are joint accounts. We do have built in fund money that is independent, but our finances are all together. That's just that's just how we roll. You know, we know that, you know, it's not the norm. We know, you, actually. When I kind of talked about it, it seemed like most married couples do that. And I was like the outsider. I'm like, oh, I thought everyone kind of did it like me. They treat us like we're speaking another language.

Oh, really? We get up and be like, what? We can't do that. No way. You got to have a little something, something on the side. But that's where we're all about it we're we're in this thing 100 with all the accounts we just it just comes down to having consistent communication at first you know especially when you're first getting married

you're trying to figure out how to be a husband and wife you're trying to figure out everything because you just you just left the phase of being totally independent and now you're coming together and you got to share everything so yeah it's tough up front but i think that the important thing was you got to have the communication um consistently and you got to be outlining like goals like where are we trying to go why are we doing this what's the point of it all i think when you're talking about those types of things when you're not afraid to dream together and to discuss how the decisions that you're making today those types of things, when you're not afraid to dream together and to discuss how the decisions that you're making today are getting you closer to your dream.

I think that mitigates some of the arguments and the fights that come up around personal finance, because you both have a clear understanding of the direction that you're driving. And I think conflict arises when one or none of you have any idea where you're headed financially, and you don't see the point of doing what you're doing. You know, that leaves a lot of room for controversy and questioning. But if you're constantly talking and just saying, you know, what you're doing, you know, you're making this sacrifice so you can pay off the credit card or you're making this choice so that you can build wealth for your kids. You know, when you all are discussing this ahead of time, it makes those

other conversations a little bit easier because you both see why you're doing what you're doing. And when do you kind of discuss, you know, what if your kind of priorities change or your goals change? You know, you can't, I think that's kind of a common thing, whereas, you know, over time, sometimes you're like, I don't think I care about that anymore. I want to kind of focus more on this. Do you have kind of regular money meetings or how do you kind of keep the on this. Do you have kind of regular money meetings or how do you kind of keep the conversation flowing and making sure everything's open out in the open? Yeah, we actually do every single month. You know, when we sit down and we do our budget, that also opens up the opportunity for us to be able to express any concerns, anything that we wanted to change or even goals or goal changes.

We also do a big, huge powwow in the beginning of the year where we sit down and we really like do goal dumping, where we just dump all of our goals individually and collectively, personally and for business, spiritually and things like that. And of course, it does sometimes change throughout the year. We just come back together and we just discuss it and talk about it and then plan accordingly. Yeah. I think it's okay to pivot, you know, the 10, the 10 year version of talent and ties completely from year one and year two for, for starters, we didn't have kids back then. So we were a lot more riskier in the sense of we were willing to take more investment type risks that maybe had a high risk, high reward type scenario. Well, now we're a little more conservative in our choices because we have three kids and we can't afford, you know,

to blow it, you know, when we got three little mouths to feed. And so it's okay to pivot. But again, it goes back to that communication. Now, that's not always going to be easy because sometimes one of you wants to pivot and the other doesn't. You know, that's our story too. But it comes down to hearing your spouse, hearing what they have to say, hearing their heart. And in that, you can begin to understand and maybe even see their viewpoint. And if you can't go all the way to their side, at least maybe you can find some common ground. Yeah. And that's part of marriage. You got to find ways to compromise, right? There it is. Every time. 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. Absolutely. So I'm so curious, how did His and Her Money start? Whose idea was it? And why did you want getting out of debt isn't you know vogue you know especially back you know when we got married 2006 2007 that was the the the economic

uptick where everybody was making money and all these different ways hand over fist and we're like now you know you got to get out of debt debt freedom is the way to be free and all these different ways, hand over fist. And we're like, no, you got to get out of debt. Debt freedom is the way to be free and all that. And so we were counterculture and people would kind of dog us out, talk about us, tell us it doesn't take all that. And then 2008, 2009 comes and the whole world changes from a financial standpoint. And people started to have more of an ear to what we had been saying because times got really tough for everybody. And so we were helping people that were in our circle that would begin to ask us

questions because they saw now what we were saying was real and we weren't affected by the economic recession in the same way that other people were. We were all right, you know, because of the decisions that we made early on. And so really just a couple of years ago, we were just out on a date and one of our favorite little spots to go to. And, you know, I just, I just said, you know, I just feel like we should do something together because my wife had experience as a blogger before and had experienced her own success in a completely different niche. And I was like, you know what, you and I, we should do something. You know, we love talking to people about finance. Like there was any time we got to talk to people, it would, we would light up on the inside. And so it was obvious that this was a passion, something that

we love to do, something we were created to do. And so we were like, you know, we help people around here all the time. What if we can help more people by taking our message online? And so, you know, we on the way home, we started talking about different names and we, I don't know what some of the other names were, but then it came out, wait, what do you think about his and her money? And we both just looked at each other like, whoa, that's it. And then my wife pulled out her phone. She went to godaddy.com. She's like, it's gotta be gone. Somebody has to have that name. And it was there.

And here we are. The rest is history. I'm so curious how it is to, you know, live together, be married together, but also work together for, you know, you've got a blog, a podcast, a YouTube channel. How is that? You don't get sick of each other? No, actually, we don't. Do you get sick of me? Well. I don't get sick of you. Uh-oh. No, not at all. How is that? You don't get sick of each other? No, actually we don't. Do you get sick of me? Well, I don't get sick of you. No, not at all. Not at all. This is, this is, I think that's really the only reason that it does work because like you just said, we are

everywhere. And some people call us crazy for being on all these different platforms. But the truth is I have a background professionally in education and so I understand that everybody doesn't learn in the same way so if I just write a blog post every day that's only going to get to a certain group of people it's not going to get to the masses and so what we've learned is to take our material, our lessons and strategically put it out in various modes. So written, audio, video. So whatever the way is that you learn the best, we want to make sure that you get this content so that your life can be changed in a positive way. And so the reason why we can like have the energy and strength to do this because we truly love helping people see the light

and see that they can get their finances in a better place. And they don't have to be so stressed have the energy and strength to do this because we truly love helping people see the light and see that they can get their finances in a better place and they don't have to be so stressed out about it like they are now. Absolutely. And I think that comes across pretty clearly. That's why I think I was so drawn to you guys is you're just such positive, happy people. And it's like, you know, you just, you know, there's a lot of people, um, kind of saying the same things or teaching personal finance, but it really comes down to, wow, you guys are, you know, really positive, motivating people. I want to learn from you.

That kind of one thing I'm very curious about, because you do have some awesome lessons that you share on all of your platforms. Where do you kind of come up with the material? Is it a lot of it based on your personal experiences or people writing into you and just you kind of doing some research? A lot of it is based off of our personal experience. We don't mind sharing the ins and outs of this entire journey. I think that's what makes us appeal to a lot of people. We're authentic and it comes across very realistic because it is, it's real life and other couples and other people, singles also, they're able to

look at us and say, Oh, wow. Okay. They're also going through that or they also experienced something like that. Um, so we find that our lives experience, um, is the best teacher. Uh, we also get questions, uh, from our viewers and, um, we'll turn those into content. But for the most part, it's it's personal experience. And what would you say are some of the most, you know, important things or just like biggest life experiences that you're, you know, you're glad that you have the platform that you can share because maybe some people, you know, there's nowhere to find this kind of information. I'm glad that we were able to figure out how to get on the same page, because that's one of the biggest, most consistent questions we get. You have one spouse who sees things one way and the

other spouse sees it completely opposite. And we were the same way, you know, even after we decided to get on the same page, there was still some learning experiences we had to go through. I'll give you an example. One of the decisions that we made at the beginning, which kind of seemed to make sense on the surface was, well, Ty, since you're such a genius with money, why don't you handle all the financial situations and you just let me know, you know, kind of what we're doing and we'll just go with that. You know, Ty was the one that was smart with the finances. She had a finance degree and worked in finance. So you do the finances and we went with that for a while, but the problem was we were both silently and individually building up resentment towards each other. I was building up resentment because I was

beginning to feel like a child being handed this allowance. I knew what my annual salary was compared to what I was getting to spend. And it just didn't add up. It didn't match at all, not whatsoever. And she began to feel resentment because she was taking all this time and effort to put our finance in order, budget and line things up, create a debt payment plan and make the payments and make sure that we were meeting our goals and things of that nature. And I was just like, I don't listen. I need more money. And we were bumping heads because we were not operating as a team. We weren't. She was doing all the work and I was doing just on the sidelines. I was just on the sidelines, just like, I don't get it. This is not working. I don't like it. Wham, wham, wham. And so what we've learned is that if we really want to be successful, and if anybody out there that's in a couple wants to be successful with their finance, you got to operate as a team.

Now, when you hear the word team, you start to automatically think, yeah, they got to do half and I do half. And that's how we roll. 50-50. No, that's not always how teams work. Teams work when everybody on the team is just doing their part. Now that sometimes will look like a 50-50 exchange, but not always. We like to talk and give the analogy, we're from Chicago, Chicago, Illinois. And so in the nineties, everything was a buzz around here about the Chicago Bulls. They were in the midst of winning six NBA championships. And on those early

teams, you had a guy named Michael Jeffrey Jordan. And everybody hears that name and everybody knows about MJ. But if I say the name B.J. Armstrong, a lot of folks in the audience are going to be like, who in the world was B.J. Armstrong? Well, if you do a little research, you'll see that the two guard was Michael Jeffrey Jordan and the point guard was B.J. Armstrong. Now, the reason you don't know B.J. Armstrong is because Michael Jordan outshined him and mostly everybody on the team. But here's the thing. B.J. Armstrong played his role well. He played his role extremely well as the point guard and the distributor on the court. Michael Jordan played his role well.

He played his role extremely well. And because both of them played their roles extremely well, they became champions. Now, did BJ have the same amount of responsibility that Michael had? Absolutely not. But they both played to their strengths. And that was the key to their success. Not one of them being on the sidelines and one of them doing all the work, but both parties playing to their strengths. I like that sports analogy. I don't usually care about sports, but I'm into that one. We like to paint the picture so everybody can kind of get it. Yes, absolutely. Absolutely. What kind of on that same thread is what if you are in a relationship and you're

really into money and you're really interested in it, but your partner just isn't? How do you kind of create this team when, you know, it's, you know, managing your money together? How do you get them excited about it? Well, we always tell couples, you never want to pretty much beat your spouse over the head about money, money, money, listen never want, uh, to pretty much beat your spouse over the head about money, money, money, listen to his or her money. What, listen to what Dave Ramsey says, listen to what Jessica says, you know, uh, because then they're going to push you away. And so we always, uh, tell couples that you can be the change that you want to see first. Okay. So you make the changes first. So if that means that now you're going to

have to start taking your lunch to work, um, to save money. As a matter of fact, we interviewed a couple on our show that his and her money show, and that's exactly what happened. They were able to pay over a hundred thousand dollars. First, uh, the husband didn't want to participate. So the wife, she started to make changes and her husband stepped back and he noticed the changes from her fur and he didn't want to be left out. He saw that she was making sacrifices and things like that. So he jumped right on in and started making changes and sacrifices. And then they were both able to become debt free. So first, it doesn't mean that you both have to start off at the exact same time.

And then two, most times that spouse that does not want to talk about money, or maybe they don't want to pay off debt and things like that. They have a fear that their life as they know it is going to change. Maybe they won't get to go hang out with the guys or the girls or maybe they won't have spending money and they can't go shopping and buy certain items whenever they get ready to. But they actually can do all of the above. You just have to budget for it. So I think proper communication around different topics. Matter of fact, we have some couples that write in to us and they say, Ty and Talit, every single Sunday we sit down and we're watching your show together. And then that causes the couples to start to have conversations and be able to communicate about the topic.

So you can even do something like that. Another sneaky tactic that we love to teach people is to go out on a dream date. So instead of going out and talking about how much debt you're in, just ask the spouse that's a little reluctant. Just say like, man, if you could have have things your way, what would life look like five years from now? Like and encourage them, like, don't, you know, be afraid to dream big. Like if you could really have it your way, like what would be different? How would life for us look five years from now? And as they begin to outline the picture that they see, you know, encourage them and cheer them on and say, yeah, man, I would love to do that.

I want to help us get there just like you do. And then that can lead into the conversation of what it would take to get there. You know what I mean? But allow them to first see what life could be like if they took control without getting into the X's and O's and numbers and the dollar signs. Sometimes we just need to give space and allow ourselves to see our life in an ideal situation. That would be good for you and it would be good for them. Absolutely. Oh, I like that idea. Before I let you go, I would absolutely love, since I know a lot of people write into you and ask you your advice, what is one of the most, I'm going to kind of, this is twofold. What's one of

the most common questions you get and what's maybe one of the most bizarre questions you've ever gotten? Well, the most common one would have been the one that we've shared about how do you get both parties on the same page at the exact same time? Because I think that people look at us and they see that we're a money couple. And so we attract more couples and majority of the couples, they do have financial differences. So one of them is a spender, one of them is a saver. So they so they're trying to figure out okay how do we both get on the same page so i would say that's probably the most common uh the most bizarre oh that's a tricky one bizarre we had the one guy he was single and like i think he had oh wedding ring yeah yeah and i don't think it was

well yeah i think it would be bizarre to other people yeah right it was a unique situation yeah it was a unique situation but and in our eyes we were like wow that's really smart yeah he was just basically asking like is he like is he doing too much because everybody's telling me he's doing too much he was a single guy didn't have a girlfriend anything like that he you know worked his way out of debt got his finances in order and even bought a ring for when he does meet uh mrs right he started a sinking fund. Right. So he was like, man, everybody's telling me I'm crazy and all that. What do you guys think? And so, you know, we we cheered him on. We said, no, you're a proactive thinker. And, you know, don't let broke people

tell you how to how to do the right thing with your money, because they're going to be asking you for advice in a minute. That's true. Yeah. He knew that one of his goals was to be married one day. And so he created a sinking phone where he just started putting money aside for his future, you know, spouses ring. And so I thought it was great. I bet his future wife is like, we'll be so happy that he did that. That's amazing. Well, thank you so much for joining me on the show. I feel like I could probably talk to you for hours and just pick your brains about money and relationships. So I really appreciate you taking the time to chat with me.

Thank you so much for having us. We really enjoyed ourselves. Absolutely. This was a blast. And that was episode 113 with Talit and Ty from His and Her Money. Make sure to check them out at hisandhermoney.com and their fabulous podcast with the same name and YouTube channel. I will, of course, link to everything in the show notes to make it easy for you to find out more all about them

and what they're up to now. Just go to jessicamorehouse.com slash 113, 113 for episode 113. And you can find out all that good stuff there because they are amazing. And like I mentioned, this is the second to last episode of the season. Next week will be my final episode of the season, a solo episode with myself. And I am super excited to take a break from podcasting, enjoy the summer a little bit.

Put my focus into a couple other projects I've got going on, including my own YouTube channel that I'm very excited about to create some more videos for y'all. But I also am really excited to reach out to some new guests for the new season, which will start, I'm thinking, late September, early October. So if there's anyone in particular that maybe you've heard on another show or you just love and you think would be awesome for this show, I'm always up for some suggestions. All you have to do is let me know, give me a tweet, or send me an email, jessica at jessicamoros.com for a nice little suggestion, and we can see what's going on because uh i'm super pumped for uh next season and everything that could happen i don't know i'm excited to take

a break but then i'm excited to get back to work um so a big thank you to everyone who's been listening but especially those of you who have left me an iTunes review recently. And as promised, I'm going to give you all a shout out. And I'm going to start with C and K from Canada. They say, I love this podcast as someone who is fairly young and new to the world of personal finance. I enjoy the variety of topics Jessica explores as well as the diverse experiences of the people she interviews. It's so refreshing and motivating to hear people's personal stories, not just their successes, but their failures or bad habits as well. I always feel motivated after listening. Thanks, Jessica. Well, thank you. CNK from Canada for giving me an iTunes review. The next one I've got is from Australia. Yeah. This is from Arabelle KZ from Australia. Jessica, love your interviews and podcasts, especially the one with Elle Martinez. Agreed. Love her. Thank you for bringing guests who give practical advice that everyone can implement. You are welcome, Arabelle. And a couple more. I've got Brooke

Craven from the US of A. Jessica, the host of the Mo Money podcast highlights aspects of investing and personal finance in this can't miss podcast. Jessica and expert guests offer insightful advice and information that is helpful to anyone that listens. Well, I sure hope so, Brick. So I'm glad that's what you think. Appreciate your review. And last but not least, got Pogo Chinard from Canada. Jessica is a great, refreshing host and brings wonderful perspectives from herself and her guests. Get to listening, folks. You won't regret it. I agree. You will not regret listening. I hope you haven't regretted listening.

There's a lot of episodes in case you're starting an episode one and made it up until now. So thank you, everyone, for listening and sending me an iTunes review. If you would like to get a shout out on a future episode, either for next week or in for season five, starting in the fall, super easy, just takes two seconds, really, you can do it on your phone, or I believe on your desktop, and just have to give me a iTunes review of what you think and what you want to tell me and I will give you a shout out a big thank you and read out your review on an episode super easy peasy lemon squeezy and it'll be super super fun so uh that's it for me I'm gonna stop yapping I'm gonna let you uh get to the rest of your day uh but thanks for listening super super much thank you thank you thank you thank you and

I will see you back here next week for my last episode of the season. This podcast is distributed by the Women in Media Podcast Network. Find out more at womeninmedia.network.