More Money Podcast - 162 Why Your Money Matters - Jen Hemphill, Author & Money Confidence Coach

Episode Date: June 6, 2018

It's been a few years since I had Jen Hemphill on the show (episode 48, check it out!). And a lot has happened since that first interview. Jen is now an author, having recently published her first book entitled Her Money Matters, and we discuss three big components in her book for this episode: finding your "Why", financial confidence and practicing value-based spending. Long description: For this episode, I’m bringing back a guest who hasn’t been on the show since 2016 (episode 48 if you want to check it out), and boy has a lot happened since then. I’m talking about the wonderful Jen Hemphill, who is a money confidence coach and Accredited Financial Counselor®, as well as the podcast host of Her Money Matters. But she also has a new title she just added, and that’s author. She recently published her first book, also called Her Money Matters, and we dig in to some of the big topics she discusses in her book in this episode. Finding Your “Why” Is Key for Your Money I am a big believer that money isn’t just about money. It’s so much more than that. Money is also about your hopes, dreams and goals. And the only way to achieve any of those is by figuring out your why. We all know we shouldn’t spend too much, should save and invest, and should get or stay out of debt. But without a clear why for doing any of these things, we don’t do any of them. That’s why determining your “Why” is key for financial success. It’s a huge motivator and will keep you on track and grounded. Financial Confidence Is Something We Need to Work More On This may not be a big issue with men, but it’s a big issue with women. I talk to so many amazing women that from the outside look like they are doing so well! And then they explain how they don’t have that much confidence when it comes to managing their own money or asking for a raise. This is a big problem, and something we all (men and women) need to work on. If we’re all confident in ourselves, we’ll naturally make better decisions and be able to live lives that are more joyful and fulfilling. Value-Based Spending Is a Better Way to Spend For years (and sometimes even still), it felt like every book or newspaper article I read, the advice was the same: “Stop spending your money!” or “Stop buying expensive lattes!” Well, when you keep hearing those things over and over, you start to feel bad about spending anything at all, and that’s just ridiculous! Money is meant to be spent. The money you’re currently saving up? You’ll eventually spend it. That’s the purpose of money. But, it doesn’t mean you should overspend. It’s important to practice value-based spending, so you are spending on things that align with your values and bring you joy, while staying conscious of your budget. For full episode show notes, visit: https://jessicamoorhouse.com/162 Learn more about your ad choices. Visit megaphone.fm/adchoices

Hello, hello, hello, and welcome to episode 162 of the Mo Money Podcast. I'm your host, Jessica Morehouse. Thanks for joining me for another episode. And for today, I've got a repeat guest. I mean, I feel like I've been doing more repeat guests because I've been doing this damn podcast for like almost three years. Almost three years. Oh my gosh. Actually, officially three years. How did I not even know this? I'm just looking at my clock right now or the clock on your computer and it says it is June 6th today. And that is literally, I think I started this podcast. Okay, let me investigate right now. Don't go away. When did I start this podcast? It says I officially launched it on June 2nd,

2015. Oh my gosh, guys, we are celebrating my three-year anniversary now. How crazy. Well, happy anniversary, especially for everyone who's listened to me for three years, two years, everybody who's listening. Happy anniversary. Have a great day. I can't believe that's so crazy. Anyways, I have Jen Hemphill on the show again. I had her on the show May 3rd, 2016. So it's been two years, over two years since I've had her on the show. And oh man, we hit it off like a house on fire. Is that how that saying goes? That doesn't sound right. Hit it off like a house on fire. Again, not good with sayings, but you know what I mean. We hit it off really good. And we've been in touch as friends ever since that. She was actually a big reason why

I decided to become an accredited financial counselor because that is the program she went through. She's a money coach herself and she really liked it. And so she suggested I check out the Canadian program and I did. And bam, look at me now. I'm an accredited financial counselor in Canada now. So I have her back on the show because she is on top of still doing the money coaching thing. She's also a new author. She published her first book called Her Money Matters. And that's also the name of her own podcast, Her Money Matters. And I wanted to have her on the show so we can talk a bit about what her book is all about, what people can expect, and all the kind of good nuggets of

wisdom she has in there. And she's just a treat. I just love her. She's just like so, so happy and positive and inspiring. So I'm excited to share this episode with you. But before I get to this interview with Jen, I just have a few words about this episode's sponsor. This episode of the Mo Money Podcast is brought to you by CanSpace.ca. If you're listening right now and consider yourself a savvy Canadian entrepreneur or business owner, then listen up. As you know, establishing your brand and getting it in front of the right people is important. That alone can make or break your business, am I right? Well, if you know that to be true and you're eager to get as much traffic, leads, and sales from your website and marketing efforts as possible, CanSpace can help. Did you know that by choosing a Canadian web hosting provider,

your website is more likely to rank higher in local search results? Not to mention, Canadian shoppers are significantly more likely to purchase from brands that proudly display their Canadian spirit. It's true, yet most local businesses are missing out on this opportunity. Luckily, for all MoMoney podcast listeners, you can get $10 off the hosting plan of your choice with CanSpace. All you have to do is visit canspace.ca slash Jessica M and enter your email address to get the coupon. Once again, to get $10 off the hosting plan of your choice, visit canspace.ca slash Jessica M and submit your email address to get the coupon. Thank you, Jen, for joining me on the show. I'm so excited to have you back. When was the last

time you were here? I think it was a year or two ago, maybe? Possibly. It was before I'd... Well, there's a lot of stuff that happened in between because I remember chatting with you and you really helped convince me to pursue my accreditation to become a financial counselor. So thank you for that. Like you were the first person I tell everybody when they're like, oh, how'd you find out about this program? I'm like, it's my friend, Jen Helpel. I had no idea this existed before you.

That is so funny. Well, thanks so much for having me. You're so, so welcome. I'm so glad to have you back because again, a lot of stuff has happened in between that first interview. You have a book now, which is so exciting. Here we go. Here it is. Her Money Matters. I really love the colors on this. Oh, thank you. And the content, but also the colors. I love the colors. No, what's the book about? No, I'm kidding. Yeah, who cares? No, it's a really great book. I really like, so it's called Her Money Matters,

and the subtitle is The Missing Truths from Traditional Money Advice. I'd want to kind of start there. What are some of the missing truths or more like, what do you mean by that from traditional money advice? What are you kind of sharing that traditional money advice you won't get from that? Right. So basically growing up and up to adulthood, I was into money. I read the personal finance books. But one, fast forward to about year 10 of our marriage, I was the money. I have personal, I read the personal finance books, but one fast forward to about year 10 of our marriage. Um, I was the one known in our family. Oh, she's good with money. People would ask me questions, but about year 10 was looking at our finances, just kind of doing a

review. And I'm like, what in the world has happened? Cause like the needle hadn't really budged. Uh, we were still in debt. Oh Yeah, we had paid some debt off here and there, but we were still in massive debt. Our emergency funds would continue to deplete. That was always a challenge. Literally, our retirement, what we were putting into retirement was very minimal. We even at a point had to borrow it from it. So things of that sort that I had a lot of guilt. I've had a lot of shame around that because here is, I'm the one known to be good with money, but yet I didn't feel like I had it together. So, and that really, what is the, what the preface of the book is, because I was following the traditional money advice. So there was a piece that I was missing and that's

a little, it wasn't right then because I was, I went through some emotional stuff. I'm like, oh, I can't believe I failed. You know, that type of stuff. Then I later got over it and really got into the nitty gritty of like, okay, what in the world am I missing? And what I found what I'm missing was more the emotional component. So the mindset and granted the book is about the missing truth from traditional money advice. And it's not just about mindset, but the book is the purpose of the book is not to tell you how to budget or how to get out of debt, but rather my, the purpose of the book is to really get at those missing pieces that I have felt in my experience

have held me back. And since finding them, I have definitely, you know, we have definitely overcome things, gotten out of debt. Uh, things are going really well in our financial lives. Yeah, no, I, and I feel like, uh, you know, uh, being more mindful, uh, really focusing and understanding the psychology behind money is becoming a lot more prevalent in the personal finance community, which is great because yeah, like you, I felt like for a while I was doing all the right things. You know, at the end of the day, personal finance isn't rocket science. It's not that complicated. People like to overcomplicate it. But with all this information, you know, and I know lots of people that are like, I know what to do. I just

don't do it. And I don't know why. That is probably the majority of people. Or they're good with their money for a bit, and then they just kind of tail off. They lose steam. I'm sure you've heard lots of stories like this where people will be very diligent in paying off their debt. They get to that debt-free zone. They're completely debt-free, and then they get back into debt. They're like,-free. And then they get back into debt. And they're like, why did that happen? And a lot of it has to do with not so much the numbers or strategies and

just taking action, but really the why. And I know that's part of your book is really figuring out your why. So I'd like to kind of dive into that a little bit more. What does that really mean? Why do people need to know their why? Well, the reason really the why is what keeps you going. So really understanding your why. Why are you wanting, let's say, get out of debt? Why are you wanting to buy a bigger house? Why are you wanting that financial freedom? Why is it? So a lot of times we just, you know, sometimes we're asked like in business, in personal development, we're asked to dig into these questions. But I know for a long time I found myself resisting this idea of like, why? Well, for my kids.

But you really need to dig deeper in terms of, yes, I want my kids to have a better life. Okay, so why? Why do you want your kids to have a better life. Okay. So why, why do you want your kids to have a better life? Uh, it may be so they can, uh, be better off in the future than you were. I mean, and then you have to keep digging and digging and digging until it really, you get to a spot where you're just, you, you become emotional. That's really what happens. You become emotional or you cry. That's why some people call it, you know, get the, uh, get, uh, find the why that makes you cry. Oh, I've never heard of that. You've never heard that. No. Yes.

Oh my gosh. That's amazing. So it's really, really important to really dig into that. Why? Because at the end of the day, when you're finding yourself stuck, when you feel that, you know, falling off the, uh, the truck or the wagon or whatever. I said the truck. I really meant the wagon. When you're falling that off, that's what's really going to pick you up. Because if you remind yourself as to why you are doing this, that's what's going to get you to pick yourself back up and keep going. And that's why it's important for it to be strong and to really be a why that makes you cry. Because when it's really there in your

soul, right, you're really attached versus just on the surface level, it's going to keep you going. Absolutely. And I think that's one thing that I've realized over the years with setting goals for myself. I mean, yes, it's very important to have goals, but if you don't have a purpose, a really strong purpose, it's a really strong why behind it, you will lose steam. You'll forget why you even, uh, you know, set those goals. Those goals may actually be completely irrelevant. That's why you keep setting them every year and never achieving them. Um, which is probably why I still haven't gotten my full driver's license. I just don't care. I just don't want, and I hate it so much. So as it's been on my board for like years. But yeah, no, I completely agree with that. I feel like even in my own life, and I feel like this is probably something that you also have

to kind of go back to maybe kind of change it as your life progresses. Because as you get older, as your life changes, your why will also change too. Absolutely. And the other thing too, it's important to do why it's important to do so is that sometimes we get in, in the, uh, do, of, in the stress of doing what we're supposed to do, like doing, because, well, we're supposed to be doing this, but we, that's not meaningful, right? So it's not fun because we're doing it because we're supposed to make it meaningful for you. And that's where the why comes in. Absolutely. Absolutely. Yeah. No, I really like that component of your book. I want to kind of dig into a couple other things. I'm just going to take a look at some of the things I really actually liked how you talk about confidence,

which again is something that I have been really, you know, just internally thinking a lot more about. I think the conversation is, especially in personal finance, especially with women, has a lot to do with confidence. I think there's some stat recently that it's not, I can't remember the stat, but basically the sentiment was that it's not so much that women are bad with money or they don't have the tools, they don't have the education, they don't have the confidence to take action. Whereas men in general have a little bit more confidence and that's why they are, you know, more comfortable taking more risks. Why do you think confidence is so important in terms of personal finance?

It's another driver of moving forward. It's another driver of taking action. And it really, like you mentioned, women, that's why another title that I call myself is a money confidence coach. And that came from my audience as I was pulling, because of course, you being an AFC, I'm sure you'll get it. Are you a financial advisor? Are you a financial planner? I can get that still to this day.

But so I wanted to find out, find another title besides money coach. Yeah. And when I pull my audience in terms of like, what have I done for them besides helping them budget and get out of debt and all those things, practical things, a big theme that came up was confidence. And, and so the confidence part is really important in terms of moving you forward. Uh, and, uh, really, and also it allows you to make better decisions because if you are lacking that confidence, you're, you're going to not necessarily make the best decision, but it's really a driver and also making better decisions, um,-to-day basis. So just confidence. I really, really feel adamant about it. Why do you think women specifically have a lack of

confidence when it comes to money? I think it's just, of course, traditionally, in the past, we were the ones at home and we weren't really into it. I mean, I can't speak for a long time ago, but I am in general, usually in general we weren't a part of the conversation of money because the men were the heads holds and the head, the head holds the heads of the household. That's hard to say. Merging all those. I was like, I knew that wasn't right. And so I think even though that was in the past and we have progressed some, we haven't fully progressed. I mean, we're not all there, right?

And I think that's just going to take time. I think that's a big part of the, it's not the whole, it's not all to blame, but a part of why we have the wage gap is, you know, if women have that confidence, they'd be able to better advocate for themselves, right? Because they have that confidence and that from that confidence that you're going to be more persuasive, right? So I think that, so I just think we have to progress, but we're not there. So I think it just takes a matter of time. I think it takes a lot of more money conversations as well to get that confidence. And I'm at a stopping point. Yeah. No, I completely agree. I definitely, when you were talking, I'm like, and also, yeah, I think this is a big reason, uh, why it's like, uh, because we don't have

confidence. That's why I think there's a big, it contributes to the wage gap. But I feel like if, yeah, if we had more confidence, there wouldn't be as big of a wage gap or we'd be able to progress a lot more with it. I know for me specifically, I mean, it's funny talking to other women in my situation or my age and also talking to men. It's remarkable just the differences in mindset when it comes to negotiating money. A lot of women I talk to, we are just so thankful and grateful to get a job offer. And so we'll just take whatever we can get. For men, they'll always negotiate. I didn't, you know, even think about negotiating. It was something I learned. No one told me it was an option. I was always just told, you know,

just be grateful that you're getting a job and just, you know, put your head down, work really hard, work your way up. And I did that for seven years and it honestly did not work. And then I would see, you know, men starting at the same kind of level as me and just surpassing me. And it's not because they were smarter or better or worked harder. Cause I always honestly worked harder. I was probably smarter. I had more credentials, went back to school and all that kind of stuff is honestly, I think they had this confidence and they asked for what they wanted and they got it. And it's unfortunate and upsetting, but it's the truth. Right. And I've been guilty of that too.

And I'm a negotiator. When it comes to buying things, I'm from Colombia. So that's like just was ingrained in me that negotiate when you buy. But even when I first got my first nine to five job, I was just excited to get it. Oh my goodness. Thank you. Getting a job. And later on, I realized I did negotiate like my title.

I'm like, why are you going to call me? I felt like it didn't mean like what I was doing, but I didn't, I never negotiated the pay. And I think it was confidence. Like, am I really good enough? When we take a look at, let's say, at the objectives or what their, the requirements are for the job. If a woman, I know I've been guilty of it. If it says, this is one expectation, if you're not for sure, you're going to get it. You automatically disqualify yourself from that job, right? We do disqualify where a man,

he may not know, but in his mind, I'm going to figure it out, right? Yeah, I know. And I used to do that. It was funny. It was looking back like when I first moved to Toronto and was, you know, looking for a job. I applied for, I mean, probably over 100 jobs. And I'd say like 50 of those jobs, I only applied for the ones that I had 100% of the qualifications. And then eventually I'm like, you know what? I'm just going to see what happens and then start applying for jobs where I have maybe 70% or 80% or things that I know that if I get the job, I can probably pick up that skill. And then I started actually getting more interviews and more traction and actually got a job that I wouldn't have applied to if I needed 100% the skill set on that. So yes, it's one big hurdle that we have to work through as women that I'm hopeful in the next generations it won't be as big of an issue

and we won't have to talk about it as much because it'll be figured out. Right. And that's why I'm so adamant because I know going back to the wage gap, I think of course there's talk. There going back to the wage gap, I think there, of course, there's talk like there, you know, there's that and not, there's not equality in that. I think the talk is all good and dandy, but I think the action we need to take within ourselves in terms of confidence, because once we do that, we can do so much. Right. But I think that's where it starts. The talk is good, but it's only going to get you so far. It's going to get the attention that it's needed, but then what? Right. What do you do then?

Exactly. I want to kind of shift gears a little bit. You talk a bit about values and spending, which I really like because again, that's something that I've seen popping up a lot more. And it's something that wasn't ever talked about in those kind of traditional books that I feel like was kind of missed. I feel like, uh, just in the sense of when we were talking about spending, lots of these books would just basically say, stop spending so much money. You, you know, stop spending. That's the answer. And I'm like, stop spending on that coffee. It's like, yes, that's one thing. But then it would almost get to a point because all these books were saying the exact same thing that you would just feel guilty about spending for years. I would feel guilty about spending. It wasn't that I was

actively trying to not spend so I can save this money for purpose. I just felt like, uh, guilty. Yeah, exactly. And now it seems a lot more people are talking about, well, money is meant to be spent no matter what, whether even you invest it, you're eventually going to spend that money on a lifestyle later down the road for retirement, whatever. Money is meant to be spent as a tool, but it really does have to... A good way to spend your money or think about spending your money is making sure it aligns with your values. So why did you really want to have that in the book? I think that's really great. For that reason. I enjoy going to coffee shops. I enjoy spending some money on coffee and some other things. And I don't like feeling guilty about those things. And I think it's just important

when it comes to personal finance, I know you feel the same way. It's personal, it's unique to each person. So if I want to spend my money on experiences, which coffee to the coffee shop for me is like an experience sitting in that setting or travel or those types of things. And that's important to me. It's a part of my values. There's nothing wrong with that if you do it smartly, right? I'm not saying to go overspend and get into debt over this. So I think it's important to understand what your values are versus what society or what the experts say you should be spending on, right? It's up to you because they're the experts in money, but you're the experts in you, right? You need to decide, like, you need to be clear as to what's important to you. And from then

let that determine and really make sure that the, what you're spending, what you check and do a check on your statements. Where is that money going to? If it's going to McDonald's and one of your values is being healthy, then maybe you have to recheck that. Why are you spending at McDonald's? Right. Or what, why is that? And so you have to do those check, those check-ins to see what's going on. But I think it's just a matter of knowing who you are and making sure you're not worrying about everybody else or what other people say. Absolutely. Being confident. Being confident. It goes back to that. Yeah. I think that's a big issue too when it comes to money. I mean,

it's hard enough talking about money, but when you're talking about it with other people, everyone has their own ideas of what you should do, what's right and wrong, what's good and bad, which is hard to navigate. But yeah, it really is coming down to just figuring out what do you like in life? What brings you happiness and joy? What do you value in life? Write those things down so they're clear in your mind. And then when you are in a situation where you need to decide whether to spend money or not, you'll know in the back of your head, is this a value? And one example I have recently actually is, okay, one of my values for a long time has been health and fitness. And when you know it, I've always been very hesitant to spend money on health and fitness.

I don't know why. I think a lot of it goes back to when I first moved out of my parents' house. It was on my own. Got a membership for a gym. I went once and I never went again because I hate the gym. And I felt so guilty for wasting, like it was a year's membership. That's a freaking waste of money. And I think ever since then, I'm like, well, I'm never going to do that. There's definitely other ways that I can work out and be healthy, just get some tapes from the library or whatever. And for a while, that worked. But then I realized, you know, I actually want to do something else.

I want to go to a fitness class or something like that. And there's something in me that was just making me feel guilty for wanting to spend a little bit of money to go to some fitness classes. And then I kind of did this exercise where I'm like, OK, let's just take a good look at what are you spending your money on? Uh, is there any wiggle room where you can spend some money on fitness and, uh, you know, does it align with your values? Yes. And it really, yeah. And now I'm, I'm spending some money on fitness classes and it makes me feel really good, like physically, mentally, every. And so I think sometimes there's just all these barriers we have

from a long time ago. Like this was from like seven years in my past that I had this weird block. I'm like, don't spend money on the gym or going to a fitness class. It's a waste of money, even though it's like, well, that's not the case anymore. I mean, you did that, that one year, but I know. And I, and I, and also it's like your season of life, like I'm, I love health and fitness. And for a long time, the gym membership was it. And I did well. I was disciplined. I would go. And then all of a sudden, things changed. I got bored at the gym or at the traditional gym. I got bored. So recently, I've become a member of a gym, but it's more like fitness classes and it varies. It's Orange Theory Fitness here in the

US. And I love it. So it's like, it's more expensive, but it's doing more for me right now because at the gym I was like, okay, what am I going to do? I just kind of made up my workout and it wasn't really doing me any good sometimes. Sometimes it did. But I think it's also important to look at what season of life and being flexible. I talk about that in my book as well as that you have to be flexible. Like just because it was this way at a certain point in your life doesn't mean it has to be that way at this time in your life. Right. That's like a hard lesson to really like grasp. Like it sounds so simple, but it's hard to take action because I always kind of feel like I'm pretty flexible and open. And there's things like that where I'm like, why have I been having this weird mental block about spending money on a fitness class? Why am I so inflexible about this? I'm like, this is so

weird. It's like, okay, let's just realize that you changed, life changes, and it's okay. It's going to be fine. Yeah. Good lessons in your book, which I highly recommend to anyone. I know I have to let you go soon. So before I do, I just want to ask, where can people find a copy of your book to check out all the great things that we talked about in it? Sure. So they can find it at Amazon. You just Google Amazon or their search engine, Her Money Matters. There's also a workbook that comes with

it as well in case, because each chapter has its worksheets. But if you're one that wants to write in a bigger space, it also has the worksheet. Or you can just go to my website, jenhempil.com forward slash book, and that literally will end up taking you to Amazon. So depending on how quickly you want to get there. I like that. Awesome. Well, thank you so much, Jen, for joining me once again. I'm going to highly recommend your book to everybody because especially like I feel like this is, there's not, I mean, there's becoming more books by women, but not too many books specifically for women. And I really appreciate that. That's what you've created in Her Money Matters, the book. I appreciate you. I appreciate you having me and just being connected with you because I think you're fantastic. You're doing a lot. Okay. Well, I'll let you go. Thank you so much, Jen, for joining me once again. It was a pleasure.

Thanks so much. And that was episode 162 with the lovely Jen Hemphill. Make sure to check her out at jenhempill.com. Also check out the show notes where I'll have more information about what we talked about at jessicamorehouse.com slash 162. And yeah, check out. Oh, yeah. Also subscribe to her podcast. She also has an awesome podcast called Her Money Matters. And you know, don't forget, she's got a book with the same name called Her Money Matters. And again, I'll put more information in the show notes. But an easy way to find out more information about this book is going to jenhemphill.com slash book. Okay, don't go away. I've got some very important things to let you know about. But before I get to those

exciting things, here's just a few words about this episode's sponsor. This episode of the Momany podcast was brought to you by canspace.ca. If you're a local business owner and you want more Canadians to find your website online, don't forget to check out CanSpace. As I mentioned before, your website will be much more likely to rank higher in local search results, and Canadian customers will be more likely to shop with you if you proudly display your Canadian heritage. Plus, you'll have a much better experience with a local Canadian web host than an international alternative. Think 99.9% uptime, outstanding support, and a free website builder with tons of useful apps. If you're ready

to switch providers or launch a new website, you can get $10 off the web hosting plan of your choice. Just visit canspace.ca slash Jessica M and enter your email address to get the coupon. Once again, to get $10 off the hosting plan of your choice, visit canspace.ca slash Jessica M and enter your email address to get the coupon. Okay, so exciting things. Number one, if you're listening to this, the day it came out June 6, then hopefully it's not too late for you to participate in this very exciting thing I'm doing tonight. So tonight, June 6 at 7pm Eastern Time on my Facebook page and in my Facebook group, I'm going to be doing a very

special Facebook Live with none other than New York Times bestseller Chris Gilbo. He was a recent guest on the show. We talked about his book Side Hustle. And I decided, hey, I'm going to try to get this guy to also do a Facebook Live with me for my virtual book club. So he was amazing and said yes. And he is a very busy man traveling around the world. And so this is very exciting. So if you are interested in learning more about side hustles and entrepreneurship, if you're a big fan of Chris Gilbo like the rest of the world is, you will not want to miss this very special Facebook live. More information can be found at jessicamorehouse.com slash book club, but really

the only things you really need to know is get on my Facebook page or, you know, hang out in my Facebook group, uh, tonight, June 6th, uh, at 7 PM Eastern time is, and that is when, uh, the Facebook live will be going on. Basically, I'm going to be chatting with Chris, but we're going to be taking questions, uh, live from a viewer. So if you have a question, you want to chat about his book. If you want some more information from this guy who knows everything there is to know about side hustles and just being a rock star entrepreneur, well, you'll be able to ask your

question live to Chris during our Facebook Live. So 7 p.m. Eastern Time, June 6th. You know where to be at. Now, if it's too late, that's okay. You can still check out my Facebook page to watch the replay. I will also be posting the video on my YouTube channel. So if you can't join us live, it's okay. You can still check it out later. Anyway, so that is number one. Number two is, oh no, I've got a couple things.

Okay, number two, I still am doing my book giveaway. I've got, I've had so many amazing authors featured on season six of the show, and I want to spread the love and give away some books. So if you go to jessicamorris.com slash book giveaway, or again, I'll put more info in the show notes for this, you can enter to win a copy of one of the books that I've, you know, featured on the show. And I think there's how many books are there? Like one, two, three. There's a lot of books. There's a lot of books. So there's a lot of chances to win basically. So make sure to go to jessicamorales.com book giveaway to enter to win

a free book. Okay, next up. Oh, yeah. So in case you generally do not go to my website, you kind of live in podcast land, which is totally cool. Totally, totally cool. But you may want to check out my website because I totally redid it. I was kind of secret about it. Did not tell if maybe did I mention on the show? Maybe I did.

I can't remember sometimes what I say and what I do not say on the show. Sometimes it's just in my head. But anyways, I have been working tirelessly on kind of a new, fresh look for my website. Finally hit the push live button last week. And now if you go to JessicaMorales.com, voila, you will see my beautiful new website. And that includes kind of a nicer layout of my resource library. Also, I have a proper financial counseling page. So you can still sign up for a discovery call from with me. Cause I'm still taking new

clients, um, a really nice courses page. So I have all of my courses and also my course recommendations, um, that I've taken that I think would be great if that is something that you're looking, you know, into or whatever. Um, but a lot of good stuff in there. So make sure to check out my new website. Let me know what you think. And last but not least, I'm going to end this off with a few podcast reviews, shout outs. I've gotten some great reviews recently and I want to do some thank yous and shout outs to all you awesome people who have left me reviews. All right. So I've got some reviews and I'm going to do some shout outs. I try my best to also try to track who I've done shout outs for and who I haven't. I'm going to try my best.

If I do a duplicate one, well, whoever gets a shout out twice, you get a shout out twice. That's just how it is. Number one here, I've got Drew432 from Canada. Thanks for the great content. Well, thank you for your short and sweet review, Drew. I appreciate you. Next up, I got Bob Smith, 66 from Canada. I started listening to the Momente podcast at the end of December 2017. Since then, I've listened to 50 episodes, trying to keep up with the new and catch up from the beginning. Jessica makes it easy to listen to with great

guests, informative content, and relative experiences. Her authentic and conversational voice keeps you engaged for the entire show. Love it. Thank you, Bob. That is so nice to say. I really appreciate that. Okay. I'll do one more and then I'll do some more for future episodes because I want to spread the love. Okay. And the last one here is Here is from Eresk79. Okay. Oh, it's a four stars, not a five. Okay. Okay. That's fine.

That's fine. Jessica is a young entrepreneur keen to find better ways to make and handle money to find balance in life. She has weekly podcasts where she brings a variety of guests with very different backgrounds to have casual conversations of their stories. You can learn a lot from their struggles and success tales. You won't learn about theoretical investing strategies, mathematical models, or academic studies. This is not that type of podcast.

Instead, you will experience practical ways people find to succeed financially. Many of the struggles are real and easy to relate to. Many of the success stories are from normal people who just did one or two things right. Thank you for sharing so many stories. Thanks for your honest review, Ariska79 or whatever it is. And you're right. This is not the podcast that has theoretical investing strategies, mathematical models, or academic studies. This is called the Mo Money Podcast. I don't know what you were expecting, but yeah, not those things. That's not what we do here. But appreciate you. Appreciate you and your four stars. Not bitter at all. Okay, I'm doing one more just

because this one's a five stars and I just need a little bit of an upper. Okay. This is from Brian Rump from Canada. Jessica had me at hello, hello, hello. Aw, a great show with great guests. A pleasure to listen to. I always get new ideas or reinforce my current ideas. Keep up the grind. I'm cranking these puppies out. I will, Brian. I will keep on going.

And thank you to everybody who sent me a review. If you haven't yet, please do so. I will give you a shout out on a future episode and will love you forever. Unless you're going to give me four stars and kind of give me, you know, a little backhanded compliment like there, you know, that's, that's fine, I guess. But I may not love you forever. Okay, I may not. All right, that's it for me. I'm going to see you back here next Wednesday. Until then, have a good rest of your week. This podcast is distributed by the Women in Media Podcast Network. Find out more at womeninmedia.network.