More Money Podcast - 142 Listener Series - Becoming Location Independent & Working Abroad

Starting point is 00:00:00 Hello, hello, hello, and welcome to episode 142 of the Mo Money Podcast and another episode in my listener series. I am your host, Jessica Morehouse. Thanks so much for joining me for another listener series episode. This one's a really good one. Also, we'll start getting the wheels turning or getting you thinking about taxes because, y'all, it is almost tax time. So just, you know, don't be afraid. Just be prepared. And so for this Lister series episode, I am talking to Grace. She is a self-employed tax consultant, but she didn't always, she actually came from the corporate world not too long ago. She's newly self-employed. I think she just hit her year mark. We explained all this in the episode, but I still kind of think her story's a bit like, wow, I don't know if I could do that. She is originally from

Starting point is 00:00:54 BC, like me. She moved to the States for university and then moved to Ireland because she got a job offer. She's there right now. She's been there ever since. And at a certain point, she wanted to go off on her own, leave her corporate job. And now she lives in Ireland and is self-employed. Look at that. Isn't that crazy? Isn't that amazing? So we talk about her journey, why she decided to do this, how she was able to do this, and just some things that people should know about taxes, especially when they're a digital nomad like herself. So this is a super awesome episode. And again, if you're a listener, well, you are because you're listening right now. If you have a story and you would like to be featured on my listener series, just go to the show notes, jessicamorales.com slash 142 for some

Starting point is 00:01:41 more details on what that means, how to get in touch with me. But I'm always, always looking for new guests to have on my show for this Lister Series. So don't be shy. I don't bite and I'm actually really, really nice. I promise. All right. Without further ado, let's get to that Lister Series episode with Grace. Thanks, Grace, for joining me on the Mo Money Podcast. I am so glad that you reached out because I don't think I've had an expat for my listener series yet. And you're very unique. And you're from British Columbia. So that was always fun. Hi, Jessica. Super happy to be here. Yeah, always happy to chat to another British Columbian. Yes. And you also said that you went to SFU. That's where I went too. Oh, no kidding.

Starting point is 00:02:26 Yeah. So that's fun. Love it. Yeah. So tell me a little about yourself. So currently, you know, fast forward to now and you're an expat living in Ireland, living my dream. Sounds so lovely. But before that, obviously you're from Mission BC in BC. Mission BC in BC. I don't know why I said that. I went to SFU. How did you get to a point where you decided to literally move out of the country? I tell everybody this. I complained about how hard it was to move cities in Canada. I can't imagine how it must have been moving countries. Well, you know, it was kind of easy the first time. So I, as I said, yeah, I grew up in Mission. It's a pretty small town if anyone is from BC and has happened to have been through there. It's

Starting point is 00:03:15 a stopover on your way out to Hope, really. And pretty much as soon as I could, I got out of there. I moved to Burnaby Mountain, went to SFU. But then partway through my degree, I transferred to the University of Washington in Seattle. Oh, wow. So my first kind of sort of expat stop was Seattle. But because I was, you know, 20 and didn't have like really anything, it was an easy move. And then I happened to graduate from University of Washington, got a job, ended up staying there for a while. And then through my former employer, I had the

Starting point is 00:03:55 opportunity to move to Ireland. So I did that in June of 2016. So that felt like a bigger move because I was, you know, that much further advanced in my career. Although I was always sort of a minimalist, so I didn't really have too much stuff to worry about. I just kind of sold the bits of furniture I had in Seattle and said goodbye to my friends and jumped on a plane, really. Wow. What made you want it? Because I think a lot of people would have a hard time making that decision because it's not just moving to a new country, and that sounds exciting, but you're leaving your friends behind, your family behind, everything that you're comfortable with. Even though Ireland, they speak English, so you've got that. It is a very different culture and different people. I assume you moved by yourself and didn't know anyone there well you know that's sort of it's not really true actually because when the part of the reason why I thought about Ireland in the first place is because um I had just gone through a breakup in Seattle and I was kind of looking around going well what's keeping me here although I had great

Starting point is 00:05:02 friends and I had a great job um but I was like you know maybe it's time to go home uh but Vancouver is I don't know I was I was intimidated to move home without like having like a great job offer in hand or without a great plan you know yeah so I was out for drinks with this friend of mine who happened to be from Ireland herself and she was moving to Dublin and a few glasses of wine in she goes why don't you move to Dublin with me and she it just so happened that she was friends with um who became my boss actually in the Dublin office so the very next day we get into work and we send off some emails and that's really how it all happened oh my gosh gosh. It was really nice because literally the day that my plane landed, she was there waiting for me and it was like a friendly

Starting point is 00:05:50 face and she showed me around. And then additionally, I also happened to have a cousin and her family that lives nearby as well. So I did have a bit of a support network. Yeah. No, that I think makes a huge difference because yeah, moving someplace where you literally don't know anyone, that's intimidating, really starting from scratch. So when you have like a few people to kind of build up that kind of community around you, so much better. And so it is November now. You have been there for over a year now. What's it been like?

Starting point is 00:06:21 I would love to know like what uh yeah what were like the first couple months like the the first couple months were interesting because um one of the one of the big challenges in Dublin is actually there's a major housing crisis which I think is a familiar story for like there's no housing basically well it's it's that there's there's a lack of supply for sure um and there's just a lot of competition for even like the really kind of not so nice places. And prices are high, but it's I think a familiar story for any of your listeners that are from Toronto or Vancouver. a place to live. But once I got that sorted out, everything else sort of fell into place. But then kind of the biggest challenge or the biggest kind of change that I encountered was when I decided I didn't really love the job that I came over to do. And I decided to go into business for myself. Wow. Yeah, that is a huge change. And I guess, too, another question is, if you decide the job's not really, you know, right for me, why did you decide? Like, because that's also a big decision. Like, I want to stay here and I don been thinking about it for a while, but I was just, I was too kind of hesitant to pull the trigger on it.

Starting point is 00:07:48 But what I really wanted was I wanted something that I could take with me around the world, really, because I found that I wanted to spend time at home in Vancouver, but I didn't want to use up all my limited vacation time to do that, right? And it's such a long flight. And, but in that, in that time such a long flight and but in that in that time I've developed like really important relationships here that I want to maintain as well so what I ideally wanted was something where I could spend a few months at home in Vancouver a few months here a few months elsewhere around the world so that was really really scared but I started my kind

Starting point is 00:08:30 of self-employment journey in August so wow it's it's new but it's been a few months now and I'm starting to get that kind of traction that's making me feel like maybe I can do this totally so I guess let's talk about what do you do ah well, well, I do. It's kind of, it's a weird little niche area of tax accounting. But because I trained in the US and I worked for a US big four accounting firm for most of my career, I ended up in this niche doing taxes for US expats. And Americans are in a very unique category wherein no matter how long they've lived outside the States, they keep having to file US tax returns. And that's different than other countries? It is. Yeah. And like for us, like for example, as Canadians, once we, generally speaking, once we kind of live outside of Canada and have broken our Canadian residency,

Starting point is 00:09:25 Canada says, right, you don't have any Canadian source income, you're fine. You don't, you're earning income that's in Malaysia or Australia or wherever, we don't care. Makes sense. But it does, doesn't it? That makes sense. But Americans, on the other hand, they have to report all of their worldwide income and then apply all of these kind of niche tax concepts to kind of get out of paying U.S. tax on it when they're not living in the states anymore so it's complicated and most of the times they don't want to do it themselves so they want to hire someone to do it for them yeah that sounds like hell I wouldn't want to do that by myself I don't know where to start absolutely Absolutely. Like taxes and that kind of stuff is

Starting point is 00:10:05 complicated and intimidating enough. And then having to deal with it when you're living all over the places. Yeah. Oh my gosh. Yeah. I think that's like one of the things that, well, I mean, I rarely think about what I fantasize about us, like moving to Australia where it's like warm all the time. I'm like, I never think about like taxes. Well, then again, I'm Canadian. So it sounds like it's a little bit simpler, but guess for lots of americans listening yeah you should think about taxes um okay so now i would love so i think that's awesome congratulations on being able to kind of quit your nine-to-five start your own business as a uh you know solo tax consultant maybe someone listening will maybe want to hire you because it sounds really complicated.

Starting point is 00:10:48 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. I would love to know, because you also mentioned in your original email to me that you also started your own blog called GracefullyExpat.com, which I think is awesome. What do you talk about on the blog?

Starting point is 00:11:15 So I kind of talk about, so what I thought was, I didn't see a lot of overlap between two of the areas that I happen to be interested in and the areas that I kind of follow on like the blogosphere and on Twitter, which would be like the financial independence community, but also the digital nomad and location independent community. And I feel like I'm kind of equally interested in both. And I want to, and I try to talk about like, just not just my personal stuff that I've got, but it's in there too. But I'm interested in how someone can pursue financial independence, while also being a bit of a digital nomad or being location independent. Because it's the advice that you get a lot of times would be very specific to people that are kind of very settled and buy a house, do all those things.

Starting point is 00:12:03 And that doesn't necessarily apply to people that are hopping from country to country every few months. Exactly. And I feel like maybe the reason why that isn't as popular online is because it's a very new thing. Like people 10 years ago or 15 years ago, I mean, the idea of being completely location independent, living that life is like unheard of. Like things have changed so much because of the internet. And I'm really excited to see, cause like that is absolutely one of my ultimate goals. I would love to be able to kind of, uh, build my business in that I could literally live anywhere. That would be the dream. Um, working towards that slowly, but surely. Um, but it's still such a new concept. What are some

Starting point is 00:12:43 of the things that I guess if someone's like thinking about, yes, I would love to pursue that. Like, like where do they even start? Well, I, I kind of approached it from the concept of I want to keep my expenses at a very minimum, like manageable level. Because I feel like that I'm a pretty like I'm an accountant. So I'm kind of financially conservative um and I didn't want to be like I didn't want to be blowing through all my savings on this little adventure because I thought you know there's a chance as a new business it's not going to work out and or or even if it does work out it might take longer than you would hope it would right yeah so I think for the first thing people um thinking about

Starting point is 00:13:23 making this kind of change should think about doing is reduce your expenses to the just the maximum degree. And then build up enough of like what you'll hear in the digital nomad community. They refer to it as like a runway. So build up your runway so that you have a good like six months at least of comfortable kind of minimal living expenses. Because that's what I had. And that kind of helped me sleep at night, even when I was getting really stressed out. So kind of, it's the same concept as an emergency fund, basically,

Starting point is 00:13:58 like an account that's just like cash savings, easy to access. Well, see, I don't know. For me, I thought about it a little bit differently than that, because I like my emergency fund to be my emergency fund. Right. Through emergencies. For this, I thought about it a little bit differently than that because I like my emergency fund to be my emergency fund through emergencies. For this, I wanted to plan like, I'm happy spending this. I don't have to stress out about tapping into the emergency fund because this is for me to actually spend in case I don't make a single dollar. I see. So it's kind of like a secondary emergency fund for a very specific purpose and you shouldn't feel guilty about using it. But you still, like the concept is still, if you use it, still replace what you use?

Starting point is 00:14:29 That's what I'm hoping to do, yeah. So whenever, like I'm a big kind of spreadsheet nerd, so I have a lot of spreadsheets. Yeah. And I like to kind of, I like to figure out sort of what would be my break-even point if my expenses are very minimal. And let's say, what do I have to make per month to kind of just break even and not tap into anything? And that's like, that's kind of like for me, step one, once I get there, I'll be happy. I think I'm getting there now actually.

Starting point is 00:14:54 And then the next step would be how can I actually bank some of that every month? Because savings has always been important to me. And I feel like being kind of a pretty reliable saver over my career gave me that kind of latitude to play around and take some risks, which I'm really, really grateful for now. Cool. Okay. Well, it doesn't – so in your mind,

Starting point is 00:15:18 is this something that's, like, easily achievable for, like, the average person? Well, I don't – easily, I don't know, maybe not easily, but like, cause I feel like whenever I talk to people about, um, you know, financial independence or being able to work for themselves and stuff like that, there's a lot of, you know, thoughts about like, well, you probably like, you have to almost start from a privileged situation to be able to achieve that. Like, what are your kind of thoughts on that? Yeah, that's, that's an interesting one. Right.

Starting point is 00:15:48 And I feel like just by virtue of sitting here and having this conversation, like, obviously there is a lot of privilege that comes with that, but I don't think that you need to have been born with kind of the proverbial silver spoon to, to aspire to that. And like, I certainly didn't come from a background that had, you know, an extraordinary amount of wealth by any means. But I would say it's accessible if you're willing to make some compromises. And for me, like, I'm a pretty, as I said, like, I consider myself something of a minimalist. I don't really care about like fancy clothes or anything like that. So I think for people that kind of want it all, they might look at it and go, well, I could never make X amount per month. So therefore,

Starting point is 00:16:33 it's off the table. And that's okay, like if that's their choice. But I think that the choice becomes more accessible, the more kind of compromises people are willing to make. No, that's true. And yeah, the more people I talk to you about kind of this kind of realm, especially like I just went to a conference and there was a panel about FIRE, so Financially Independent Retiring Early Community, which is really exciting.

Starting point is 00:16:58 Yeah, the overall concept was really just like keeping your costs low. Yes, it's important to earn and save, but really basically changing your mindset that you need to buy stuff, you need to own stuff, and just getting rid of that. Because that isn't the goal. Most people don't want to become financially independent or retire early so they can finally buy all the stuff. It's usually so they can have that time to do what they want, so they can travel and have experiences and stuff like that.

Starting point is 00:17:26 And I think this is just like a huge kind of hopefully shift that is happening. I do see it a lot more in people our age, millennials, that are more focused on like spending their dollars on experiences or just getting their time back. I know lots of people, especially when I used to work in the corporate world, lots of people were like, I would much rather just have like less pay and more time off. Yes, exactly. Exactly. So yeah, hopefully this is a shift that is happening. And that's, to be honest, that's really what pushed me out of the corporate world because I was very lucky. Like I had a good job and it was, you know, I mean, it was one of these jobs where if you stuck with it, you were going to kind of progress along and that's, that's great. But what I found was I was

Starting point is 00:18:11 very demotivated by the fact that I had these limited number of kind of free days per year that I could really do what I wanted with. And I just thought, you know what, there's got to be a better way. And even if I make less money, if I have more freedom of my time to go and spend time with the people that I love and pursue new experiences, to me, that's so much more worth it. Totally agree. A hundred percent. And that's me saying this after almost at the one-year mark of being self-employed and like, I have obviously earned less than I did last year. Cause last year I had my full-time job and my side hustle. But I'm so much happier this year, even though I earned less because I finally got my time back. Or even though, you know, I tell people, I'm like,

Starting point is 00:18:56 I mean, I worked a lot. I worked a ton because it's the first year of business. You're just trying to figure it out and what works best for you and your schedule. But I got to make those decisions for me. I didn't have to be on someone else's time. And that's just so amazing. Yeah. And I have to say, I've been listening to your podcast for a while. And I remember the episode where you kind of announced that you were becoming self-employed. I did take it as an inspiration. Oh my gosh. Oh my gosh. I wonder how many other people thought it was an inspiration. They're like, I quit my job too. I'm like, ah, good. No, I think it's overall. I mean, I'm happy for you that you made that decision. It sounds like you have a, I mean, also, I think the thing that I always want to make sure that people, when they do listen to me or someone else talking about,

Starting point is 00:19:42 oh, I'm self-employed now, blah, blah, blah, living the dream. It's like, oh my gosh, please have a good business plan in place. Please start earning money on your business before you quit your job. That's the worst thing I could imagine someone quitting their job and being like, now I'll figure it out. It's like, no, the only reason I was able to, like, I was just talking to my husband yesterday because we had our monthly money meeting. And I'm like, he's like the fact that you were able to, you know, pay all of our bills, our mortgage, we were, we went on a lot of trips this year. Um, and everything, and I still saved and invested. It's all really due to the fact that I had a really good business plan in place. I am very diversified with how I earn my money. So it's not just like one client

Starting point is 00:20:24 or something like that. And, uh, I made sure that I was earning a good amount before I quit my job. But it sounds like that's kind of what you were also like, you also made a good plan before you made that decision, because it's a big decision to make. Yeah, absolutely. And I feel like I had to kind of jump into it and and kind of prove to myself that I really could make it work. And I think, I mean, I'm, I'm just getting to the point where I feel like I have proved that to myself now because the first month I was kind of going, Oh my gosh, what if, what if I don't get any clients? Yeah. That's like the first month for everybody. Like the first month I'm like, Oh my God, what did I just do? This is scary. And I like, I, I love listening to podcasts about like entrepreneurship especially once by women and I I love kind of when you hear the honesty of yeah you're gonna have those great

Starting point is 00:21:13 entrepreneur days and then you're gonna have those not so great days oh yeah I know and no one really you don't really think about that until yeah you listen to an episode someone talking about like this is real talk people because yeah like my first year has been great but the summer was terrifying because it slowed down and i'm like oh my gosh did i just like run out of stuff to yeah do or or is this is this the end is this my i yeah okay and then it picked up again you're like okay everything's fine everything's fine. Everything's fine. Um, what, so I would actually love to know, cause I talked a little, a lot about me and I have to stop talking about myself so much. Um, uh, I would love to know kind of like what, well, like what was your thought process, uh, when you were going to kind of leave your job and start working for yourself? Like what,

Starting point is 00:21:58 what was your kind of game plan? Um, what, what did you like, how am I going to pursue clients? How am I going to do this? Well, I, so it partially started out because I had a few, like I, I have local friends here, but I have expat friends as well. And some of them are Americans. And I just hung out with enough kind of really like smart, successful women, um, and their friends and friends of friends. And I just kept hearing people talk about how they couldn't figure out this tax stuff. And it was just such a mystery. And to be honest, I felt like people were overpaying for advice that wasn't very good. And I just went like,

Starting point is 00:22:33 you know what, I could do better than that. And I could actually serve people that are kind of not just people like me, but it's like, I thought about, you know, yeah, there's people like me out there that don't know how to handle this problem, but just want someone that they can trust. So that's kind of where I started thinking about it. And I thought if I could just get, you know, friends, friends of friends to kind of recommend me to other people like them, that would be something. Yeah, definitely. And then I've, you know, expanded into trying to get clients through like, so through my website, I've been on another podcast as well that was more targeted towards like digital nomads. I went and spoke at a digital nomad conference, which was really cool.

Starting point is 00:23:17 And it's just like things like that, that I wouldn't have had the courage to do kind um, kind of pre sort of jumping in. I, and I, for me, I had to kind of end things with the former employer before I felt like I could be free to just fully pursue that kind of stuff. Totally. Yeah. And it definitely depends on, yeah, what kind of business you are going to pursue. Sometimes you're like, I literally can't really start this business until I end it, but it sounded like it wasn't like, okay, then I'll figure it out. It's like you had a game plan and you clearly also had money in the bank to kind of keep you afloat. Cause that's the other thing that I think a lot of people don't think about is like, there will be dry months where you don't earn anything or you earn like not a lot and you're going to need

Starting point is 00:23:56 some cash to pay for your rent and your, you know, groceries and, uh, not go into debt. And I think that's also always the scary thing. It's like, I hope I never run out of money. Yeah, exactly. And that's always been a big priority for me because growing up from a family that didn't really have a lot of excess money every month, it was always really important for me to have something in case of an emergency that an emergency doesn't have to equate to a financial disaster. That's always been a big priority to me. Absolutely. So are your plans to kind of stick around Ireland full time,

Starting point is 00:24:28 like for the foreseeable future? Well, that question becomes interesting in terms of immigration visas. Oh. Because countries are really happy when you work for a big name corporation. Yeah. But it's not as easy when you're working for yourself. So I kind of have yet to figure that out. But for now, like I'm going to go home and spend the holidays in Vancouver and go skiing in Whistler and do all

Starting point is 00:24:54 that for a month or five weeks and then come back here for a few months and bounce around a little bit actually, because part of my whole idea was to be able to leverage lower cost of living areas, especially for kind of months that might be a bit lower or just to kind of even out the, the overall kind of expenses for the year. And surprisingly, or maybe not surprisingly to some people, there's a lot of really great places in Europe that you can live for surprisingly cheap. Super cheap. For sure. Oh my gosh. I know. Me and Josh were actually just looking at, because one of our dreams is like, hey, we're

Starting point is 00:25:30 both self-employed. Wouldn't it be cool to live somewhere for a few months and just continue working or whatever? And we've been looking at Portugal. And there's actually some cheap places to live in Portugal. And it's amazing and beautiful. And yeah, just off the top of my head, like I've been thinking about Croatia as well. Yeah. I've heard great things about Croatia.

Starting point is 00:25:50 And I love Prague, so I might go back to Prague as well. And the nice thing about it is everything's so close and the flights are so cute. You just like go there so easily. I'm so jealous. I know. I'm always so jealous when I talk to people from the UK. I'm like, you literally could like take the train and go someplace amazing. Or for me, it'd be like, I have to plan this for like five years. And then it's like a 10 hour flight. Yeah, absolutely. And that's, that was part of my motivation as well, to be honest, is I was like, I don't want travel to be a once every five years. It's important enough for me that I want it to be a regular part of my lifestyle. Totally. That's awesome. Well, I'm super stoked for you. I'm so glad you reached out and we had this conversation. It definitely kind of like put a little fire in

Starting point is 00:26:33 my belly again to kind of like, Oh, right. Like this is one of my goals. Let's not forget that. Where can people check you out to learn more about you and your services and your journey? Oh, well, my website is www.gracefullyexpat.com. And within there, I have a blog. I have a work with me link where people can, if they're having US tax problems or questions, they can schedule a consultation if they want. And then I try to be fairly active on Twitter as well, which is also at gracefullyexpat.

Starting point is 00:27:03 Awesome. Well, thanks so much, Grace, for reaching out to me. It was a pleasure chatting with you. Thanks, Jessica. It was super fun. And that was episode 142 and another episode in my listener series. Make sure to check out Grace's awesome website, GracefullyExpat. And I mean, it's kind of good timing, actually. It's almost tax season, isn't it? So if you're listening and need some tax help, especially if you're an expat or digital nomad and have no idea what the heck to do, she'd probably be a good person to contact right about now.

Starting point is 00:27:34 So again, gracefullyexpat.com is where you can find more information about her and how to get in touch with her. So if you are listening and you're like, you know what, I have a story too. I would like to be on the listener series. I'm always, always, always, always looking for new listeners to feature on my podcast. I get so many great emails and tweets and messages about how people love this series because it feels like you're listening to someone you know or a friend or a neighbor. And that's exactly what the point of this listener series is.

Starting point is 00:28:09 I want to feature people that are just living their lives, doing whatever, but are managing their own money in different ways so we can all learn what other people are up to so we can maybe take a piece here, a piece there, see if that works for us and just all get better with our money. So it's super easy.

Starting point is 00:28:26 You just have to get in touch with me over email, jessica at jessicamorehouse.com. Shoot me an email about what your story is and how you think would be a good fit for the show and we will chat it up. Oh, yeah. So as promised, I'm making my way slowly but surely, giving every single person who's left me an iTunes review a shout out. And I'm going to continue. I'm going to continue right now. All right. My first review is from Bree GF from the US of A. They say, thank you for providing a great show that helps people be independent and succeed. Well,

Starting point is 00:29:04 you were very welcome. Thank you so much for listening and leaving me a review. Next up, we've got Neola from Canada. I came across Jessica's podcast while looking for a relatable and practical female perspective on money in Canada. She did not disappoint. Her podcast is a collection of all topics and all experts. I needed to cover all the basics and to get a ton of inspiration and concrete leads about how to make money and save and make it to that next level. I also love the community she's creating both on Facebook and through her in-person meetups. I cannot wait for the next event. Thank you, Jessica. Thank you, Neola. And yeah, great segue. Hey, y'all, if you don't know, I have a Facebook group called the

Starting point is 00:29:40 Money Life Balance Community. Always looking for new members is a support group for basically anyone who wants to learn more about money, get some advice and suggestions and figure out how other people are, you know, spending their money, saving their money, investing their money. And just go to facebook.com slash groups slash Money Life Balance and you'll find it right there. All right, moving on to the next one. Lolita Z, Z, Z, Z, that's why it looks like a Z, from Canada. They say, or or she says great to find a finance podcast relevant to young canadians i've also discovered good resources and other podcast blogs through this one awesome all right uh let's do a couple more um this one's from sarah nade

Starting point is 00:30:18 from canada came across this podcast when uh decided to reboot my long-term financial strategy i'm glad you decided to reboot your long-term financial strategy. I'm glad you decided to reboot your long-term financial strategy. That's a great idea. The suggestions to save side hustle and even guest speakers, Andrew Hallam, have been exceptional. Jessica is great. I love taking my financial journey alongside her podcast, Happy Face, right on. And yeah, Andrew Hallam is the guy. He's my favorite author, millionaire teacher.

Starting point is 00:30:46 Go check that book out. One more from Upbeat and Positive Influence from the USA. I wasn't long after that I had discovered Jessica's podcast earlier this year that I had listened to and finished all of her episodes. I love the upbeat and pleasant tone of each episode. She really makes the interviews sound like she's hanging out with a good friend, which is one reason why I enjoy this podcast so much. The finance messages portrayed helps me stay focused and motivated on my goals. I learned so much. Missed this podcast over its summer break.

Starting point is 00:31:16 I know. And happy to have my weekly dose of the Mo Money podcast back. Yes, I know. I know. But I have to take that summer break. Otherwise, I will have a mental breakdown because this podcast is a lot of work. Love it. I love it. But also, it drains the crap out of me. All right. I'm going to leave it there. I'm going to do some more shout outs next

Starting point is 00:31:37 Wednesday for my next episode. So thank you so much for listening. Also, make sure to check out the show notes, jessicamorehouse.com slash 142 for more information about the listener series in general and Grace, this episode's guest. But yeah, I'll leave you there and I'll see you back here next Wednesday for another fresh episode of the Mo Money Podcast. This podcast is distributed by the Women in Media Podcast Network. Find out more at womeninmedia.network.

More Money Podcast - 142 Listener Series - Becoming Location Independent & Working Abroad

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