More Money Podcast - 207 Women, Money & Healthcare - Jean Chatzky, Author, Money Expert & Founder of HerMoney

Episode Date: October 9, 2019

I’m so excited to have the one-and-only Jean Chatzky on the show to talk about women, money and healthcare in the United States. In case you aren’t in the loop, Jean Chatzky is the founder of Her Money Media, an organization that strives to promote financial literacy amongst women. She is also an award-winning editor of NBC Today, and has appears on shows like Oprah, MSNBC, CNN, The View, The Talk just to name a few. She also has her own podcast called HerMoney with Jean Chatzky which has received shout outs from The New York Times, Yahoo Finance and Refinery29. If that wasn’t enough, she is also the best-selling author of 11 books, including her latest book (that I’m doing a book giveaway for) called Women with Money: The Judgement-Free Guide to Creating the Joyful, Less Stressed, Purposeful (and Yes, Rich) Life You Deserve. As you may expect, Jean and I chat about women and money in this episode, since that is a big focus in her writing and her podcast. We also discuss one very important topic that as a Canadian I find fascinating, healthcare in the U.S. I hear it pretty much every time I speak to one of my friends in the U.S.: healthcare costs can be very expensive in America! The system works very differently than in Canada, and although there is always talk about reform, if you’re American you need to figure how to navigate the system as it stands today. That’s why Jean is also an ambassador for HAS Awareness Day. We talk extensively about health savings accounts, something I’ll be honest I’ve never heard of. In Canada, there’s a thing called health spending accounts, but they are offered by companies or you can set one up if you are a business owner. In other words, they work very differently. We go fairly in-depth about HSAs in this episode, but since there’s quite a bit to know and they are a relatively new type of account, feel free to learn more at HSADay.com. Visit jessicamoorhouse.com/contests to enter to win a copy of her book! For full episode show notes visit https://jessicamoorhouse.com/207 Learn more about your ad choices. Visit megaphone.fm/adchoices

Hello, hello, hello, and welcome to episode 207 of the Mominy Podcast. Welcome back to the show. I'm your host, Jessica Morehouse, and I'm thrilled you are back for another episode. And this one's good. I've got a mega superstar in the personal finance world joining me for this episode. If you're Canadian, you may know her. If you're American, you 100% know her. She's huge. I'm talking about Jean Chatzky guys. Um, so she is a very popular, uh, money expert in the U S uh, I've known about her because of all of my American friends and also from going to FinCon. She's always, you know, doing a, uh, kind of a fireside chat there. She's very well-known and educated and awesome and just the nicest person ever. And I'm so excited that I have

her on the show. Finally, I feel like I am slowly but surely taking off every single money expert in the world. They will all be on my show. There's only like a few left, I kind of feel, or well, maybe a few that I actually want. You know what I mean? Some of them I just don't want on the show. No. Anyways, so if you're not familiar with Jean Chansky, so she launched her HerMoneyMedia and HerMoney.com in 2018 to provide women with information about money that they can actually trust. And she's a award-winning financial editor of NBC Today. Gina has also, of course, appeared on shows including Oprah, MSNBC, CNN, The View, The Talk, and so many others. And also, she has her own podcast called Her Money. Millions have

tuned in. And she's received shout- from the New York Times, Yahoo Finance and Refinery29. She's also the best selling author of, get this, like this is crazy, 11 books. And she's also an in demand motivational speaker. And she's an AARP financial ambassador and a fierce advocate for financial literacy. And in 2015, she partnered with the PwC Charitable Foundation and Time for Kids to launch Your Money and In-School magazine that reaches 2 million school children each month. And her most recent book, which we will talk about in this episode, Women with Money, the judgment-free guide to creating the joyful, less stressed, purposeful, and yes, rich life you deserve is available now. And I will be sharing some details at the end of

this episode on how you can grab a copy for free because I'm doing a contest. So before I get to this amazing interview with Jean Chatzky, just a few words about this episode sponsor. This episode of the Mo Money Podcast is supported by The Great Courses Plus. I think we can all agree that the best investment we can all make is in ourselves. If we want to grow, improve, and reach whatever goals we set ourselves, we need to learn new skills and we need to continue our education on our own time.

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slash mo money to get one free month. Thank you so much, Jean, for joining me on the Mo Money podcast. I am so glad to have you on the show. You are definitely in my mind, one of the top personal finance experts out there. And so it's kind of, it's about time you're on the show. Oh, well, thank you so much for having me. It's a pleasure. You're so welcome. So obviously, you've been in the game for a very long time. You have a very lengthy resume, a ton of books, and you also run your own podcast now called the Her Money Podcast. I'd like to kind of dive in a little bit to that because I find that so fascinating when I was kind of doing research on you. Just kind of the thought process, like you really did want to speak specifically to women and how

there is a difference between managing money as women. Did you want to speak a little bit about that and what kind of inspired you to start the podcast? Yeah, absolutely. So a couple of things. I wanted to speak directly to women, and I also wanted to speak for longer than three minutes. Many people know me because I've been on the Today Show for 25 years, but I also did a radio show for Oprah for about three years on SiriusXM. Did it every day, and I loved having longer, more in-depth conversations with people. And when that show ended, when the channel really scaled back, I just missed it. So as podcasting became a thing, I was like, yes, I am doing this. And we launched the Her Money podcast specifically

for women and hermoney.com, where we put out a bunch of newsletters just for women and we publish new content every day. Because I believe that women, although we may not need different stocks or different bonds than men do, we need a safe place to learn and to talk about money. And I know this because I've been out on the road speaking for so many years, and I sometimes speak to groups of all women, and I sometimes speak to groups of women and men together. And the feeling in the room when it's all women is totally different. And women feel comfortable standing up and asking questions and sharing the details of their financial lives in a way that we don't in a mixed audience. And so my

intention with the Her Money podcast and with hermoney.com is to create that environment. Why do you think that is? Because I totally agree with you. I think that is what I've kind of seen with when I'm just in a group of women compared to kind of a mixed group. Why do you feel like us women are more comfortable talking about finances when it is just us women? Because the world is way too judgy. The world is just judgmental and critical and we all make mistakes with our money. I don't know so much about your background, but I made so many mistakes as a young woman and I'm happy to talk about them anytime because I feel like managing your money is a life skill. It's not a strictly financial skill.

It's something we all have to be able to do. It's something far too few of us are taught to do. And we're all going to hit bumps along the way. And so let's acknowledge them. Let's deal with them. Let's move on and do better in the future. But let's not judge. I'm not going to judge what you want to do with your money.

You shouldn't judge what I want to do with my money. We should all make conscious choices about how we want to use our own limited resources in order to make our lives better and the world better. But I think that's why it's so different. I think women together with women don't judge. At least they don't judge with me because I'm going to shut it down. You are specifically a voice that is not judgmental, which I think is very important because a lot of other, in the past, personal finance experts or authors,

I feel like had a different tone. When I was just starting to learn about personal finance in my 20s, yes, I was learning things, but I felt like there was a certain judgment, like, don't do this, do this. If you do this, then you're doing something wrong, which I found later in life. Actually, I have a lot of issues with money because of lots of these lessons I learned. You know, money has so many kind of feelings around it, like shame and guilt. And I think us as women take that on maybe a little bit more than men do. And so I think that's really an important message that we shouldn't judge each other and no one should judge us for how we choose to spend our money or make our money or manage our money. Yeah. And there is some right and some wrong or some better and some less better. When we think about investing, you know, specifically, women are sometimes a little more reluctant to invest. Research has

shown we leave more money in savings accounts where it's not doing us as much good as it could if we put that money to work. And I'm talking about money above and beyond our emergency cushions. We have to work on our own feelings and our own emotions to get us to manage our money in a way that it will support us in the future. But having a little empathy for why that happens, understanding why it happens, I think is necessary to help us get through the issues and solve the problems and do better in the future. Absolutely. And even like specifically with the topic of investing, I feel like for the longest time, it did seem like kind of that boys club or, you know, women were included even in the conversation for whatever reason. And I think definitely the conversation is starting to change, at least like that's what I've been seeing. So that's very good. But yeah, I've seen all of

those stats that women are a little bit more protective and would rather kind of keep it someplace conservative. And I see that surprisingly with like a lot of women in their 20s and 30s was like, oh, I thought you would have had more information than maybe your mom or your parents or anything like that. But no, there's still a lot of kind of feelings of like, oh, I don't want to lose all my money. So I'm just not going to invest or I don't understand investing. I'm not, you know, that educated when it comes to that. So I'm just not going to bother, which, as we know, it's it, that's a terrible thing to do. It's like, we shouldn't just keep our money into savings. We need to look out for ourselves and our futures. Yeah. Yeah, exactly. And it's a learning process.

And that's why I'm so glad there are podcasts like yours and podcasts like Her Money, because this is just how many of us these days, I mean, I listen to a lot of podcasts. I'm sure you do too. I feel like I've got an ongoing dialogue in my head on a whole bunch of subjects. And our podcasts, yours and mine, are continuing conversations about money. And I think that's part of learning.

Absolutely, absolutely. And you also have just a number of amazing books. Like when I was doing research on you, it was like amazing to see how many different books you have. Um, and you, your latest one is called Women With Money that, um, came out. Do you want to talk a little bit about what that book is about? Sure. It is about, um, I wrote it now because we're at this inflection point where we have more money and more power than we've ever had before. And that is only going to continue to grow. There was a story that came out yesterday in the paper about how we're at the point where women are now representing the lion's share of college educated people in the workforce. And those educational trends that are continuing to drive that, that will drive more salaries,

are just going to get stronger. Plus, there's the fact that women outlive our spouses by an average five years. And what that means in terms of inheritance is that women will inherit twice. We'll inherit both from our parents and from our spouses that we'll outlive. And so most of the dollars in inheritances will flow to women, which means we've just got this generation of wealthy women coming down the pike and we need to know how to manage our money to make it last as long as we do. The biggest fear that women have is that we will run out of money before we run out of years. That will outlive our money. And so the book talks about how to deal with that. It talks about, I asked women what we want, what we want from our money.

I asked hundreds. And so the book is divided into answering all of those questions. You know, not only do we want to feel emotionally equipped to handle our money, but we want to leave a legacy. We want to help our kids. We want to be able to take care of our aging parents. We want to buy homes and start businesses and, by the way, feel safe and secure. And that means, in many cases, dealing with the rising costs of health care.

So, yeah, let's talk about that. So I obviously live in Canada. We have a very different system than the United States, but I have a lot of friends in the U.S. And I hear about the costs of health care, and it really shocks me, quite honestly. It's one of those things where it's always a very interesting conversation because obviously us in Canada, we pay typically higher taxes, but it's because our healthcare is provided through the government. Yes, obviously it doesn't cover everything, but most things in the US, it's a very different system. Do you want to,

for someone like me or for any Canadian listening, can you kind of explain just in general terms, how does the kind of healthcare system in the States kind of work? Work is a very, very generous word. Because as anybody who's following the politics in our country knows, there's an awful lot of disagreement about whether our healthcare system is working. What I can tell you is that healthcare costs in the US have been rising well above the rate of inflation for many, many years. And when we look out into our futures, into retirement, we can predict the cost of housing. We can predict, to some extent, the cost of driving a car and food and utilities. Healthcare is the big wild card. Because as we live longer and get into our 80s and 90s and beyond, those healthcare expenditures really, really start to rise.

One of the newer tools that we have in our arsenal, and it falls into the category of something called consumer-directed healthcare, is something called a health savings account. where your deductible is higher off the bat, but should you have a dire medical circumstance where you need a long-term hospitalization, you'll have the care for that from your insurance. For the earlier stuff, you pay for a lot of your medical expenses, prescriptions, appointments, out of something called a health savings account, which you have the ability to open if you have a high deductible health plan. And health savings accounts work kind of like IRAs, kind of like 401ks, except they're in a way even better because they allow you to put money into them and get a tax deduction for making that contribution. You can invest the money once it's

in those accounts, it grows. And then when you use the money to pay for medical expenses, you can pull it out and you don't have to pay taxes on it again. So sometimes you'll hear people say HSAs or health savings accounts are triple tax free. The big benefit comes around if you put money into a health savings account this year and then you pull it out to pay for a doctor's appointment. You're effectively saving because of the tax benefits, about 25% of the cost of that medical procedure because you're just, or that appointment,

because you're just running the money through the account. But if you don't need the money and you can just put it in and invest it and let it grow, HSA's health savings accounts can become sort of a supplemental account for retirement in this country. And that is a really great thing to put on your list of long-term goals, growing this additional pot of money for retirement. I should tell everybody, I mean, I know that you've got a lot of listeners in Canada, but you also have a lot of fans here in the United States.

So for people who have one of these accounts, I'm actually doing a live webcast on October 15th. It's for National Health Savings Account Awareness Day, National HSA Awareness Day. It's with a company called Wex Health. And if you want to tune in, it's free. If you want to tune in, you can register at hsaday.com. That's awesome. So now the costs of healthcare. So it just seems like from what I understand from the people that I know who are living in the US, it can be sometimes life changing. Like I have read things that even to give birth, you have to pay like tens of thousands of dollars, which in Canada that you don't, you just go to the hospital, you have a baby, and you're good to go. So what kind of typical healthcare costs can people expect in their lifetime, just kind of like a high level? Because I feel like especially younger people, they're like, oh, I'm healthy, I'm fine, I don't have to worry about this. But these things happen, and they can be very expensive. So how do

you start preparing now for these potential health care costs? I think that's a really good question. A number of years ago, New York Magazine ran a story on people who were just deciding, because they were so young and so healthy, to go without health insurance. So frightening to me in America. I mean, I know there are a lot of people, you know, the Americans listening are all like me thinking maybe it's time for a move across the border because you guys definitely have the advantage where healthcare is concerned. So I think the first thing, and it does sound like a lot of common sense, is make sure you have a health insurance plan. And even if it is

a plan that's only going to cover you for those big expenses, what we tend to call an indemnity plan, make sure that you have something. If you do go with a high deductible plan, then open the health savings account. A lot of people don't even open these accounts when they have the ability to open them. And if you then have a medical expense and you just want to run the money through the account to save the 25% that I was talking about, if you don't have the account open, you can't do it. So open the account and put a dollar in it if you don't have any more money than that. The better way to treat it is to start contributing to it automatically like you contribute to a retirement plan, a 401k or an IRA.

Just put some money into it every single time you get paid. Some employers will do this these days through paycheck deduction, which is wonderful. If you have the ability to let the money in your account grow, turn on the investment options and let them grow. And understand that every single year, the biggest cause of bankruptcies in this country are unexpected medical expenses. Every year. I mean, I've been looking at this for such a long time. for healthcare, whether it's in a health savings account or an emergency savings account, as well as health insurance, is just one of those things that allows you to deal with the fact that life happens and you don't want to let it get in the way of all of your

other dreams and goals. Yeah, exactly. Because I know, and there's also that Michael Moore documentary from several years ago where it kind of went more in depth of health care and the states, kind of comparing it to a couple other countries that I found very fascinating. But yeah, like you said, a lot of people maybe aren't prepared and then they have some sort of health care issue. They get a huge tax bill that they do not have the money for and then they get into debt. And then it's hard to get as anyone who's ever dealt with debt knows it. Once you are in debt, it's hard to get as anyone who's ever dealt with debt knows it once you are in debt it's hard to get out it's really hard to get out and yeah you know no one wants to be paid you know it's it's just yeah one of those things that I think it's unfortunate that you do have to take the initiative and save all your money yourself and pay for insurance and all

the stuff it is expensive but I mean is, you know, not really good alternative. And we're not all on our own. So employers are still big contributors to healthcare in this country. And so we shouldn't, we shouldn't, we shouldn't ignore that fact. And we also should pay more attention to the options that our employers offer us. This webcast that I'm doing on October 15th is very carefully timed. In the United States, October, November is typically what we call open enrollment period. It's when your company, if you work for an employer, gives you the ability, typically larger employers, to change it up when it comes to the choices that you've made about your health plan or your retirement or other benefits that you've chosen to sign on to. And so, you know, pay attention to your benefits. Go to the benefits fair that

your company has and really look at the value of all of these things that employers, employers are, you know, it's not just health care and retirement anymore. These days, employers are offering to repay some student loan debt. They have assistance programs for people who are dealing with aging parents. I mean, they know that benefits are one way to keep employees loyal and happy. And it's frustrating to employers when they put a lot of money into these benefits and then people pay no attention. Yeah. No, totally. And that's the same goes for Canada because if you work with an employer, I remember doing this too, I always would get my benefits booklet, look through it and see what kind of things that they're giving me for free, like free massages or acupuncture or, you know, going to the dentist

or whatever. It's like, that is free money you're leaving on the table if you don't use it. That's right. Absolutely. My, my friend, Nancy Snyderman, who I used to work with on the Today Show, says dental care. She said the dentist is the window to the If you feel like you're going to quit your job or go to another company, use all of your benefits from your first company because you may have that probationary period at your next thing. That's what I did at every job. Like, oh, I think I'm preparing to leave. I better go to the dentist and get a massage and all those things. Exactly.

I have never had a company that offered me a free massage, I just have to say. Oh, I'm sorry. It's nice. I mean, I'm self-employed now, so I don't have that anymore. But when I had it, it was nice. I'm sitting in the office with four women who work with me and for me. And now I know I'm going to be asked for free massages. I have a couple of questions specifically about the HSA account. So you said it's very similar to an IRA and 401k. What are some of the specifics like limits? How much can you contribute every year? Is there a yearly limit? There is. This year for 2019, it's $3,000 if you're single and $ or 3,500 for a single person and 7,000 for a family. And that's going up in 2020.

It'll be, I believe, 3,550 for singles and 7,100 for families. People who are 55 and older can contribute another thousand dollars. But the wrinkle there is if you have a family account, you actually have to have your own account in order to make a catch-up contribution. So you and your spouse may want to have separate ones once you hit age 55. Okay. Interesting. And does that contribution kind of room start once you open the account or is it when you are a certain age or how does that kind of work? No, when you open it. Oh, okay. So that's when it starts to accumulate. So I guess if you want to have the most room, open it as soon as you can.

Well, yeah, because you're able to make a contribution every single year. And you mentioned, I know in Canada you have health spending accounts. Here in the U.S., we have flexible spending accounts, which are called FSAs, and a lot of people get them confused with HSAs. Our flexible spending accounts have to be, the money in them has to be used the year or a little bit after the year in which you contribute it or you lose that money. Health savings accounts are totally different. That money is yours. It goes with you. So they're portable. And so when you say you do want to take money out of your health spending account, do you, I guess, have to use it on healthcare costs? You can't just use it on anything else because you mentioned like this could be kind of another retirement savings

vehicle, but does it have to be specific money you have to earmark it for healthcare? So when you use it specifically for healthcare, you're not taxed on that money. Okay. All right. If you use it in retirement for things, and if you don't use it for healthcare, you pay a penalty. If you use it in retirement for things other than healthcare, you no longer pay a penalty, but you'll pay taxes on that money as if it were money in a 401k. It'll be treated just like money in a 401k. Okay. So actually that is actually, yeah, very similar. It's really good. Yeah. Okay. Well, that's actually pretty decent because yeah, I was kind of thinking if it's just for

healthcare, then some people maybe kind of may not see kind of the value, but if it's basically like a secondary 401k, if you never use the money for healthcare, then why not? You get that tax deduction, you let that money grow if you're investing it, then it can help you. But here's the thing. So when we say healthcare, we have to pay Medicare premiums. And when we look at what a 65-year-old person pays every year for their Medicare premiums and their prescription drugs and their other costs, it averages out to about $5,000 a year. Wow. And so knowing that, you can sort of look at the money that you put into your HSA and think about it that way. And if you're letting the money in your HSA grow, and this gets a little complicated, but it's a really interesting benefit. So let me just try

to spell it out. If you have medical expenses in real time in, you know, today, tomorrow, this year, next year, and you pay for those out of pocket rather than pulling money out of your HSA, you can save your receipts forever. And then you can pay yourself back out of your HSA whenever you want. Oh, that's awesome. So yeah, so the money can grow and you can pay yourself back later if you don't need to be using it now. Amazing. So I guess because there is this HSA day, so it's kind of an awareness campaign. So do not many people know about like health savings accounts?

Like, do you know what the percentage is? There's a lot of confusion. Yeah, not enough people know enough about them. Are they new or have they been around for a while? They're fairly new. You know, we had medical savings accounts, medical spending accounts, MSAs for a little while. But these are, you know, these have really taken hold and people have a lot of questions and confusion. And, you know, just like it took people, I mean, 401ks have been around now 25

years and it took people a long time to understand what they had there as well. So I'm not, I'm not surprised that people don't understand them and aren't using them to their full benefit. We know only 6% of people have turned on the ability to invest in their HSAs, which is kind of silly. So yeah, so this is just an awareness day. We'll be using the hashtag lovemyhsa to sort of tell people about when and where they can find it. And I hope people will tune in. Yeah, definitely. Well, thanks for sharing because I feel like this is a topic that probably a lot of people listening have never heard of before. It sounds like to me, if I were in the US, I'm like, well, that makes logical sense to me if

it's, again, like an account that has lots of different uses, but it makes a lot more sense to me to use this than just like a regular savings account when there's no kind of tax incentives there. Yeah. I mean, you know, the interest rates on it, we could have a whole other discussion on regular savings accounts and how we should all be looking for more interest than we can get at big banks. Yeah, I hear you. We're the same up here. I mean, if you're lucky, you can get 2% and you're like, that's inflation. So great. Yeah, I hear you. Same up here. I mean, if you're lucky, you can get 2% and you're like, that's inflation. So great. Yeah, exactly.

Yeah. Well, thanks so much for taking the time, Jean, to talk to me on the show. It was such a pleasure. Where can more people find information about HSAs if they want to do some research and also more information about you so they can listen to your podcast and grab a copy of one of your many, many books. I would point them for both to the same place. They should go to hermoney.com. And if they go to hermoney.com slash sign up, we'll get them on our mailing list and they'll start to get our newsletter and we'll be covering all of these things in the future. Amazing. Awesome. Well, thanks again for joining me. It was a pleasure chatting with you. It was nice to chat with you too. Thanks so much. And that was episode 207 with Jean Chaskey. Make sure to check out her website, hermoney.com. Also, she has, of course,

her podcast called Her Money. And make sure to check out this show show notes jessicamorehouse.com slash 207 i am uh going to include a bunch of information and resources about all the things that we talked about in this episode so go to jessicamorehouse.com slash 207 to check that out i of course teased at the beginning of this episode i'm gonna be giving away copies of her book uh called women with money so to find out how you can enter well just, just stick around. I just have a few words I want to share about this episode's sponsor. This episode of the Momany Podcast is supported by The Great Courses Plus. You've heard me say this before, the best time to start investing is today. And the same goes for investing in yourself. If you've always wanted to learn something, gain a new skill,

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guest cameron huddleston her uh book mom and dad we need to talk i'm giving away copies of that book and also other books so just go to that website jessicamorehouse.com slash contest to find out all of the books that i'm giving away you can can enter all of them, but of course you can only, you know, enter once. Uh, but, uh, there's, you know, very good chance you will win. Why not? Why not? You've got two seconds. Just enter the contest. Um, as I also mentioned in last week's episode, I'm going to be doing a live event in Toronto called the millennial money meetup that I've been doing for several years now. Tickets are finally now on sale. So go to millennialmoneymeetup.com for tickets. You can also just probably check my Twitter or any kind of social channel for a link or Google Millennial Money Meetup. But yeah, tickets are on sale and every single event I've ever done has sold out.

So you're going to want to get on it if you want to come. It is so much fun. This event is going to focus on the very important topic of debt and credit and how we can be smarter with credit and how we can crush our debt. I've got Rubina Ahmedhaku who's been on the show. I think it's been a while actually. I should have her back on. A good friend of mine. She is a financial, very well-known financial journalist and money expert she will be joining me and the wonderful people at Capital One are sponsoring this event so they will also have a credit expert on the panel as well and again food and drinks and mixing and mingling and you get to meet me and we're going to have so much fun. I really hope to see you there. Also, today, I know this is like no notice at all, guys, but this is why I tell you

to get on my email list. I am doing a webinar in conjunction with TD. So it's actually on their platform with their host. It is all about how to ramp up your investing confidence with myself, Jessica Morehouse, Wednesday, October 9th at 1 p.m. Eastern time. If you just go to jessicamorehouse.com slash TD webinar, it will take you to the registration page. If you're like, it's like past 1 p.m. Eastern time, so I missed it. You can actually still sign up and I believe you will get access to the on-demand version. So it won't be live. You can't ask your questions live, but you can watch the whole thing. So hopefully you'll be able to do that. But that's fun. And I've also been getting some requests for me to do some more webinars. So I definitely have plans to do that in the future, in the future coming weeks, you know, I mean, soon. Okay. Do

I actually have plans? No, no. Is it on my like whiteboard? Hey, you should do this. Yeah. Yeah. So it's coming. It's coming. I'll let you know. Don't you worry. Um, but that being said, if there is some specific things that you want me to talk about or answer, if you've got any questions, I'm very nice. You can just email me directly, Jessica at JessicaMorris.com. I answer every single freaking email, especially from podcast listeners because I love you so much. So let me know what you want it to be about. I have a lot of ideas, but I'd love to know what you think. So yeah, so that's it. Also, and if you can't go to that Millennial Money Meetup, and if you can't watch this TD webinar for whatever reason, I am also doing a couple other free events in conjunction with the

Toronto Public Library. All of the different ones I will be doing, well, A, you can probably find them on the Toronto Public Library website, or if you just Google it. But if you go to jessicamaross.com slash community, that is where I have information about my Facebook group, my events, and all that stuff. And I also have a running list of all the past events I've done and upcoming events. I try to keep it as updated as possible, but I do have all the library events listed on there. In general, you just need to know the time and the location. You can like call them and say you're coming,

but it doesn't really matter. You can just come and show up. It's not like they're not going to like turn you away. It's fine. You can just come. Um, so yeah, anyway, so those are some of the things happening soon and I hope I can see you at, uh, one of these. Uh, thanks so much for listening to this episode. Of course, I'll be back here next Wednesday with a new episode until then have a awesome rest of your week and, you know, take it easy on the weekend, you know, chill, do some self-care, get that facial mask out. I know that's not what self-care is about, but you know, take it easy on the weekend, you know, chill, do some self-care, get that facial mask out. I know that's not what self-care is about, but you know what? I'm basic and I like a facial mask.

I've got to say, I've got to say. So anyways, see you next week for that new episode. this podcast is distributed by the women in media podcast network find out more at women in media.network