499 | Overcoming Limiting Beliefs | Jess - Fioneers

28:47And the evidence that I came up with is that I've made good decisions my whole life around money and around hustling when things get bad and that I've dug myself out of problems before. And so the evidence I wrote down was I put myself through college financially. I got advanced degrees. I made it through divorce. And it was, you know, that first year after divorce is very tricky for people because they don't know what their final income and expenses are going to be. I was so grateful to jump on the YNAB bandwagon and that helped me and the book Simple Path to Welp helped me so much. The other evidence I wrote down was that I have a robust rental business.

29:34And just kind of overall, when I look back on my life, I've made good decisions, solid decisions financially. Awesome. That's excellent evidence. Yeah. Oh, you're making me like teary now. It's just about trusting yourself. It's about, you know, I can't promise that corporate America isn't going to let me go someday. You know, I can't promise I'm not going to have a medical issue someday, but I can trust myself that if anything massive happens, that I will be able to hustle my way out of it. Wow. I love the difference in just how much you, you sound like you believe it just based on that last little bit there.

30:14That's incredible. Like, because you do have that evidence that you've done this in the past, right? And that's, what's so cool about it. And obviously I'm going to get out of the way here in a minute, but not to mention you're 38 % of the way to five. You've only been on the five path for, I think you said about five years. That's incredible. Are there any maybe numbers that could be aside from that? Like, do you have a, like a savings rate that you could point to, or I know obviously it's much harder post-divorce, but is that something that could add? In some ways, when I, Jessica encouraged us to journal about this extensively, and I took it seriously, and I sat down and like quietly, you know, really thought about this.

30:52In some ways, it is easier to be divorced because although the second income isn't there, you also don't have someone's second opinion. And I have nothing negative to say about my ex in terms of his decision making with money, but I imagine many divorce folks had fights about money and about where money should go and how money should be spent. And one of the benefits of being a single mom is I don't have anybody else's opinion to think about. I can make the decisions on my own. I can cut corners where I want to cut corners. I can invest in the stock market, in the stocks that I want to invest in.

31:26And so that is a great benefit to being single. So that has been very helpful. And as I mentioned before, like I thought about how even when I was a teenager, I was always setting aside a chunk of my paycheck, just knowing that there would be expenses in the future to think about. And I think, and you know, maybe Kyle can touch on this too. When you grow up in some chaos, I think it can go one of two ways. You kind of either follow what your parents did or you rebel against them and do the opposite of what they did. And so I've always just been very careful and nervous about money. Yeah. And actually, I want to open this up.

32:02This is a great time to invite Kyle or Brad or anyone to jump in and say, have you thought about this? Is there a particular question or way you might think about it? One question I have for you, Samantha, is I think you told us what is your savings rate right now? So my savings rate right now is I invest about 30 % of my take-home pay using this, again, the simple path to wealth strategy. So most of it goes to VTSAX. And then I save on top of that 10%. And that goes towards long-term savings goals, such as vacations, taxes, new car, home repair, multi-year type saving goals. So all in, that's a 40 % savings rate after taxes, which I'm really proud of.

32:55As well, you should be. Yeah. So one thing that I want to say to that is just like, congratulations. Like you are saving 40 % of your income as a single mom of three. And that is incredible. And there are so many people who are coupled and who aren't doing that. Yeah. And I look back and I think about how when I was married, we had an opportunity to get a bigger house, get a bigger car, get new cars, do this, do that. And I'm so glad that I made the decision to stay in a small home and stay at that, you know, two and a half percent interest rate and not move just because we could afford it. I live in a small, modest house, and that has been such a key to being able to save this way.

33:43I also paid off my car, and it's a Honda. I'm going to drive it into the ground. And so I stay within my means. I also travel hack to be able to travel internationally multiple times a year and not pay for it. So when I think about the big decisions I've made in my life about the big expenses like housing, cars, etc., that is where I've really focused. And so then when I spend on things like clothes or my nails or going out with girlfriends, I can do it more liberally because I have such a smaller house payment. Yeah, I just want to applaud you. So I come from a divorced house too. And to see the trauma inflicted on our family, I just want to give you so much kudos.

34:27Like to have a 40 % savings rate just in general is insane. I think your kids are learning a lot from you and you should give yourself a lot of grace because you're doing awesome from my perspective. Yeah. Thank you. Yeah, certainly from my perspective as well. It's really remarkable. And what I was saying before, like using maybe just as famous concept of Coast Phi and just looking at like, oh, wow, I'm already 38 % to my Phi number as I'm understanding it. And I have a 40 % savings rate. That's crazy. I mean, if you think about even if you had a 0 % savings rate right now, all that money would be working in the background.

35:05And in another approximately eight or nine years, your net worth would double. And another eight or nine years, it would double again. So it would literally be four times what it is today in about 18 years with a 0 % savings rate. If you were just living and even if let's say your income went down or something or your expenses went up, whatever it may be, and you were just covering your expenses in about 18 years, your net worth would be quadruple what it is today. So think about what your net worth will be in a shorter period of time with a 30 to 40 % savings rate. It's mind blowing and it's hard to accept and believe the numbers on the page when I see them.

35:45I did the calculations recently and realized that I was coast FI and it's hard to believe and it's hard to stop stocking money away every time I get a bonus or a refund or a rent payment. Like I just keep not looking at it and tossing it into VTSA. Yeah. Well, I mean, that's okay too. You don't have to beat yourself up about saving obviously, but I think the thing to avoid is the scarcity mindset. Yeah. So if you're doing it from a place of fear, that's something different than this is to reach my goals in a shorter period of time. Or if you're doing it very intentionally, then that's wonderful, right?

36:23I mean, I still have a savings rate. Nobody's like poo-pooing having a savings rate, but I think it's that subtle mindset shift. So if it's from a place of scarcity, I would say that's something to really dig into. Yeah. I also just want to recognize, I understand people listening to this. I come from a place of privilege because I'm old enough that I bought my house prior to interest rates going up. I'm an elder millennial. And so I'm probably the last of the generation that got that housing, was able to housing hack with low interest rates. And I want to recognize that because I know a lot of your listeners are younger and that is hard.

37:02I also want to recognize my privilege in that my ex-husband is financially solid. And so I don't have to pay child support. I don't have to worry about that. Him and I can cover our children's expenses comfortably. And that's been excellent. I know a lot of divorced people don't have that and have to kind of carry the weight of their spouse. So I just want to point that out. Yeah. So Samantha, thank you so much for sharing all that. I want to turn it back to you and ask you to articulate what is the empowering belief that you could share with us now that we've worked through this and shared some additional ideas with you?

37:45Yeah. Well, when I asked my questions that you had posed, such as like, what's the worst that can happen to me, it would be like a corporate layoff or a medical issue. And so the empowering belief that I hold now is that I can do this. I'm capable of this. I have made good decisions in the past, I can trust myself to pivot and adjust as needed. And that was the sentence that kept coming back is I can trust myself to pivot and adjust if something happens. Yes. And you have tons of evidence that you have done that in the past. So I love that. Thank you. So I want to turn now to Kyle and the limiting belief that you shared with us.

38:35So you are in a slightly different situation where you sort of dealt with some of this scarcity mindset to a place where you could make a shift to downshift in the work that you're doing. But some of these limiting beliefs still come up. So tell us a little bit more about the transition that you made? And what are those limiting beliefs that keep coming up? Yeah, thanks so much, Jess. So for context, I grew up in an area, great people Midwest, but everybody was kind of paycheck to paycheck. You're one accident away from going under, I saw cars repossessed, I saw houses repossessed, that was my upbringing.

39:13And so fast forward a little bit, I did very well, you know, in school, undergrad, graduate school, I had about 140 grand of student loan debt in 2019. And I'm a chiropractor. And I just said, you know what, I can't make the income as an associate doctor and pay off all of this debt. So I switched to sales in 2019. So from February that year to Halloween, I had paid off all six figures of debt. And then from there, you know, I got involved. I started listening to Choose Fi religiously. Brad, you're in my ear more than you even know, man. So my transition point has been the last five years has been great for sales.

39:49But once we had our second daughter, my wife is a physician. So at that point, I recognized, you know what, we're going to be okay financially, I need to take the pedal off the metal, not work 80 hours a week, not just kill it. And I really need to go and be there for my family. And so my limiting belief is now, this probably crosses gender stereotypes. But as a man, I feel like I'm not financially providing for my family like I was, even though in my head, I know this is the most important thing I can do in this season of life. I feel like by taking my foot off the accelerator, I've just really, I'm not being the provider that I should be.

40:26That's a really powerful one. And thank you so much for sharing that because I think there's so many people who would be able to identify with that feeling of saying, if I take the foot off the gas, that I'm being irresponsible, or I'm not being the person that other people need me to be if I decide to do this scaling back. So I'm actually curious how you start working through this. So how would you flip the script? I would flip the script by saying, I can always work more hours. I can always make more money, but I can never make more time. And so I need to recognize in this season of life with two kids under three, this is the most important thing I could be doing is pouring into them and working from home, working less than 20 hours a week.

41:10Like this is my job right now. This is what I have to do right now. Okay, so then let's talk about evidence, right? So as you think about it, if you're saying like, if I take my foot off the gas or having taken my foot off the gas, I am not being the provider that my family needs me to be. What evidence do you have that that statement is or is not true? I think when I came to reflect on this, it was very limited in my mindset. So being a provider is way more than just financial, right? So being there for them, eventually going to sporting events, coaching them, taking them to and from daycare, like all of these things are still providing, doing a lot of the grocery shopping or cooking the meals, cleaning the home, like that stuff is still providing.

41:53It's just, and I think as a, I don't know if this is sexist to say, but as a man, I feel like I need a scorecard. I need to be able to see, hey, these are the things I can put my finger to that I've done. And it's really hard to do that as a parent. It's a thankless job, right? I love how you got there with, there's a different definition of the word provider. And it's funny because that was literally what I just took notes on and wanted to kind of grill you about, but you're already there, right? It's I'm not being the provider I should be. Well, but that presupposes that the only way to provide is just via money.

42:27And I think as you surmise, that is just like a fundamentally flawed way of looking at it, right? That's an old school way of looking at it, that the only way to provide is via money. And there are all these other ways that you are providing for your kids. Right. And I think that's another beautiful aspect of the FI community is we think a little bit differently. We don't fall back on, hey, this is what society says. And you can be open-minded to new ideas and new ways of living. So A, I applaud you. I think it's wonderful. Like you said, you can't get that time back. And it's really a marvelous thing to be able to spend that time with your family.

43:06And yeah, it's interesting. So I think the definition of the word provider is something we should keep in the back of our minds. And I think you talk about all the time, Brad, that financial independence is a superpower because it gives you options. Like I wouldn't have had this flexibility had we not saved really well for four to five years and invested and made good money and was smart with it. So all the information from your podcast, from the ChooseFI community has really, it's changed the trajectory of my family's life. So I can't thank you enough. Yeah, that's amazing. And listen, you know, another piece of evidence that you provided was you had, I think you said$140 ,000 of debt and you paid that off in a tiny, tiny, tiny little timeline, right?

43:47That's not insignificant at all. And you have to, again, if we're looking for those pieces of confirming evidence, that's just another check mark. If you wanted to go to the money side, right? Like if for some reason you were hell bent on, it needs to be money. Okay. You did pretty good there. And like you said, you've been following the path to five for a number of years. It sounds like you guys are doing great. Like check, check, check, you know, all those little check marks in your corner. It's really pretty awesome to say. Yeah. And I can open it up now too. So Samantha, if you want to jump in here in a second, one thing that I would say too, is I feel like there's a similar feeling that sort of crosses everybody in a relationship, right?

44:25So for me, I had a period of time where I scaled back work while my husband was working still full time. And, you know, I remember having this feeling of being like, I am not contributing, you know, or like, I'm not contributing enough, right? So I had that sort of similar limiting belief. And I remember actually talking to my husband about it, because I would often get comments on my blog that were like, well, you're not contributing financially, blah, blah, blah, right? All of those things. And one, I was contributing financially. He was just contributing more than I was financially at that time.

45:05However, he also gave me another way to think about it that was like, you're actually doing the work to design the life that we want long term. So for me, I had scaled back to focus on building a business that would allow us to be location independent, which was our goal. And so for him, he was saying, I actually see the total amount of money that we make together as a unit. And we have our finances combined. That's helpful for me to think about because we sort of look at the total income as our household doing all of everything that needs to be done in our household. We are making this amount of money combined.

45:53And now things have shifted where I'm focusing more on business and generating income. And he took a year sabbatical and is now building up his own stuff entrepreneurial wise. and also knowing like you may take turns at that during life as well. And that's okay, right? Like you don't necessarily always need to be contributing equally the same exact stuff to the relationship. And I should give credit to my wife during that time period, we lived off of her residency salary, which isn't, it's like 60 grand, but we basically lived like we were college students. All of my income went to student loans.

46:35All of her money went to our living expenses. So she was a huge, huge asset in that way. I'm so grateful for that. Yeah. Yeah. And as a single person, like with kids, I can attest that, Kyle, maybe you feel like you're not contributing by depositing income into the account, but you're saving money. I pay for snow service, lawn service, housekeeper. I will have to pay for conveniences because there's only one of me. So maybe I'm buying Instacart or things like that. There are absolutely ways that stay-at-home parents can save money for the entire family. Yeah, that's a brilliant way of looking at it.

47:16So not only are you reducing expenses, but also think about the cost of childcare, right? If we really want to be like ultra specific, you can literally put a dollar sign next to the quote unquote jobs you're doing. We don't want to do that necessarily, but if you really, really felt that desperate need to do it. I mean, it's tens upon tens of thousands of dollars a year, not only in terms of childcare, but all the things that Samantha just laid out that you would be spending more because you simply wouldn't have the time to do it. So, I mean, let's be clear. There is a significant bottom line dollar figure on what you are providing and that word very specifically chosen, right?

47:55Thank you. So I think what would be awesome to do now, Kyle, is could you transform worm the limiting belief into an empowering belief? Yes. My empowering belief is that although I can't financially put a number on it, the value I'm providing to our family currently, there shouldn't be a number that's put on it because it's for forever. You know, the seeds I'm building into our kids. I wrote a book last year specifically to my two daughters. Like if I get hit by a bus, I want them to have all these principles to live by in life. And I'm doing the things to pass on. Even financially, we'll pass on some stuff, but I'm doing more seeds that will pass on to them.

48:33So my empowering belief is that I am doing enough. Even if I can't put a financial number on it, I know what I'm doing for my family is what I should be doing currently. Awesome. I love that. Thanks. So Brad, it's time to put you on the hot seat for this conversation. So we wanted to talk through one particular limiting belief. And I actually want you to share a little bit more about that with us, and then we'll dive into some strategies. Okay, cool. So the fun thing is I haven't gone through any of the strategies. I've just really thought of the limiting belief. And actually, you and I worked through this because even the way that I initially thought of it was maybe ever so slightly different than the actual reality.

49:16So maybe I'll even start with what I thought of originally, which is something to the effect of I have this nebulous thought that I've never really given my all to something that almost like things, maybe, I don't know if they come easy to me because that's not exactly what it is, but I never felt like I've given 100 % to accomplish a goal. So that's kind of where I started. But then when you and I dug into it a little bit, it was maybe more specifically like I'm not doing enough and I should be doing more to accomplish goals. and that there's always something missing. Yeah. So I just want to reflect this back to you because it sounds like the limiting belief is, I believe that I should be doing more.

50:00That like, if I'm giving my best, I should be giving 120 % instead of 100%. Like I should be going all out and giving everything that I have. Yes, that is exactly it. So right. The interesting thing is internally, it's not about the results because I actually think the results in my life have been shockingly good compared to, again, what I picture as the inputs because of this limiting belief that I should be doing more or that I have more to give. Does that make sense? Yeah, absolutely. Okay. So let's start with the first strategy. How would you flip the script? This feels like this is going to be a stickier one that flipping the script might not be the strategy that works.

50:43Let's just try it. Well, yeah, this is kind of where it does get sticky because like my mind then like always wants to go to like, oh, but look, the results have been great. You know, so like just I don't I'm going to need your help on this, actually, like in terms of knowing what you know about what I just said, like how would you attempt to flip the script on this? Yeah, I think I would flip the script by saying I'm doing enough. like I've done, you know, putting in what were my best efforts was enough is probably how I would flip it. But also I think like this one is tricky, right? And so we can say that, but like either of those statements of flipping the script, we don't necessarily believe are true yet.

51:29So I want to actually dive into evidence here. And I think we're going to ask a couple different questions about evidence. I actually want to ask a specific question, which is, what evidence do you have that people should be giving all of themselves all the time? And the flip side, do we have evidence of the opposite? Yeah. Yeah. I don't know that I have any evidence that somebody should be giving all of themselves all of the time. In fact, I would probably point, yeah, like if somebody said that out loud to me, I would say that sounds a little crazy. Whoever told you that you have to give 100 % of everything you have at every given moment, that's kind of antithetical to what advice I would give, certainly.

52:15Yeah. And actually, I want to make sure that Samantha and Kyle know that they can speak up here too, because I feel like we're getting into the discussion piece of it. And I would actually share evidence from my own life that it's not good to give 100 % all of the time for everything. And I did. And what happened was that led to severe burnout, severe anxiety and depression, and the need for me to take like six months completely off of work to recover from burnout because I actually believed that that limiting belief was true, right? That I should be giving 100 % of myself at all times when, you know, like I feel like I've come to realize that I get to prioritize the things that I give myself to and I can choose to give 100 % of myself in certain situations, but that giving 80 % and getting like a B in some areas that don't matter as much to me is completely fine, still passing and is going to help me maintain my sanity.

53:30Yeah, absolutely. If we gave 100 % all the time to everything, it wouldn't be our 100%. It would be our, you can't give 100 % all the time, just mathematically would then become your average, which is then 50%. So that's what my therapist told me when I worked on this issue of perfectionism, which I think is Brad sounds like what it's rooted in. And I think if you dug deeper that instead of saying, I'm not doing enough, if you kept going with that, you may discover that your actual limiting belief is I am not enough because if you felt like you were enough, you wouldn't have to kind of like prove to the world constantly with your productivity that you were here.

54:18So I also struggle with productivity and busyness and perfectionism. I love that. That's really, really helpful. And I want to, as you were talking, I was thinking, I wonder if there's some aspect of guilt layered in here that maybe I feel guilty that I have had such, I mean, it sounds weird to say it out loud, but like extraordinary results in my life in a lot of different aspects while internally having this mindset of like, you don't really give your all and like things are still really good. I'm not articulating this right, but like, I think there's some aspect of guilt as well. Okay. So I want to dig into a question here.

55:02What evidence do you have that you're not giving your all? It's just an internal sense. I don't know. I think back to just little one-off situations, just things that I'm disappointed in myself, like something as simple as never really learning how to speak Japanese fully and fluently because I feel like I just gave up on it and I didn't work that hard at it. And it was just so silly down to... I think I would have been a really good runner. And I've always had this limiting belief that, oh, I hate running. I'm not going to do it. And yet, whenever I go out and run, I'm actually quite, quite good.

55:40And it's limited me in my playing soccer, which was my one real love growing up. And so again, I have all these things, this maelstrom, as you can tell. It's kind of disjointed because I've never really thought it through, but it's like, it's all part and parcel of the same thing in essence. And then it even continues to today about choose if I like, there are so many amazing things that have come from choose if I and obviously, I've spent 1000s of hours, but like, I think I'm so frustrated with myself for the things that I haven't done with it. So that's where my mind goes. I can relate with that a lot, Brad, the perfectionism aspect, feeling like I always have more to give, I always feel like part of me could be doing something else.

56:21Like there's an opportunity cost. If I'm doing this, then I'm not doing this, right? I have that a lot too. One thing I was thinking though, I've heard you say a lot on the podcast, we appreciate that you get every email and you read every email, but at a certain point that can just be overwhelming. So what would it look like maybe to offload some of these tasks that could be taken off of your plate to free yourself up to do? And maybe part of my thought was too, maybe it's not that you're not doing enough. Maybe it's, you're not doing enough of the things that you enjoy and that light you up.

56:51Yeah. Yeah. And so digging back in on that, I had another follow up question on this, which is, this goes back to how we talked about identifying or limiting beliefs at the beginning, which is to start with goals, right? What are the things that you really want, and that you really want to prioritize and the impact that you really want to have, like, in prioritizing, here are my core things, right? Are there things on that core list that you feel like you aren't doing? Because I think it's okay to give 80 % of something that's not on your core list of priorities. It's okay to not give your all.

57:35And so that's a question there for you is, is there something that you're like, this is a real goal of mine, right? That's not this past, Like maybe I wanted to learn Japanese or maybe running, maybe those things are on your current list of like, this is what I really want to go after. But like, do you have something that you really want to go after right now that you feel like you aren't giving your all on? Yeah, that's a hard one in terms of, of like specific goals. No, but maybe like more of like input to output ratio, if you will, is like, I feel to Kyle's point, like I get bogged down in minutiae.

58:12And like, I feel like my highest value to the world at this point is literally what we're doing right now is doing this podcast. There's just some unusual mix of like my skills have worked out that like, this has a lot of value to the world. And I would love to actually be doing more of it, but I'm not producing more episodes because of all this other stuff that I'm bogged down in. I think Brad, maybe if you could pause and take like a long-term look at your life and ask yourself at your funeral, would you be upset if people didn't say how great you were at speaking Japanese and what a great runner you were?

58:51And I think the answer probably would be that you wouldn't care. That's not your kind of purpose. It's not your dharma in life. And so giving 80 % and deciding to move on from those fun hobbies is okay. I'm the same way about dance classes. I take dance classes. I'm the worst one in class. I show up two thirds of the time. It provides a lot of fun in my life, but nobody at my funeral is going to say she was an incredible dancer. I love that. That's really helpful. Yeah. And I actually wonder if there's a question to be asked of, do you feel like you should read every email or that you should do these things on the list that feel like minutiae to you?

59:37And is there a way to not do them? And would it be okay to not do them so that you would be able to do more of what's in your zone of genius to make more of an impact on the world in the ways that you want. Yeah. It's funny. As you're saying that, I'm thinking of it as like a trade-off. So yeah, if it were a simple trade-off of, hey, look, I can't be responsible for checking the show notes to make sure it's updated or updating credit card information on the website or responding to every email. And I was trading that off for, oh, wow, I can really just focus on the podcast. That sounds like a slam dunk.

1:00:19I would do that in a heartbeat, you know? So I think it's becoming clearer and clearer as we talk. That's what's so cool about like talking through this live is the solutions kind of appear, right? And I mean, this is a fairly abbreviated period of time, 10 or 15 minutes at most, but yeah, yeah, it's funny. Something that I've pondered and kind of stressed about for months or years can just kind of, oh, wow, that's fairly obvious once you apply any scrutiny to it, right? And I think that's the power of strategy six is bringing a like-minded community around the challenge. People can see it in different ways because we are our own worst critics.

1:01:01So Brad, I want to turn it back to you to wrap this up to say, what is the empowering belief that you would articulate now that we've had this conversation? Yeah, I think I would really just change this entirely, which is, I like that phrase you use because I never would have come up with it, but that zone of genius. And how can I focus on where I'm uniquely qualified and useful in this world, which is creating this podcast? And how can I put aside my shoulds to create more potentially world-changing content and not feel guilty about it at the same time? It's the biggest win in the world. Yes.

1:01:43Mic drop. I would just say this doesn't have to be recorded, but the value that you've brought to my life, Brad, I think some of that other stuff should just be let go. Like you are, what you're doing, what you and Jonathan created is just changing people's lives drastically. And I think it's time to offload some of the stuff that doesn't let you up. Like Doc G did this, right? He didn't want to do all the doctoring stuff. So now he just does hospice and that's it. So knock out some of the stuff you don't want because what you create here changes people's lives, but you're only as good as the energy that you have to do so.

1:02:17Yeah. Yeah. I like that. And it's funny because in the back of my mind, right. And, and I think what's so great about an exercise like this is hopefully it makes everyone realize that, that we all have these limiting beliefs, no matter who we are, no matter how much quote unquote success it looks like, I mean, I struggle with this every single day and yet it can be overcome. And just like you said, that the supportive community, I think like that's what we're doing here very specifically here on this episode, but also here in the larger Chooseify and Find community. It really is better when we do this together, when we go through life together, when we share our wins when we hopefully work through problems and things.

1:03:01And I think it's okay for everyone to understand that like we have these internal conflicts and they're okay. We all have them. We're all human. This is perfectly okay. It's normal. It's expected, but we can help each other. And yeah, I was not anticipating this when we hit record, but yeah, this has been immensely helpful for me. Hopefully Samantha and Kyle got as much out of it as I did, but this has been amazing. Thank you all. Thank you so much for having us. Yeah. Thank you guys. So great. Yeah. And just like you said, mic drop. So I'd like to throw it to you for the last word since this has really, really been so super helpful.

1:03:37So first I want to thank Samantha, Kyle and Brad, all of you for being vulnerable and sharing something that was challenging for you so that we could share this example with the rest of the community. I think it will impact a lot of people. And one thing that I would say, if you are interested in this and you're saying, oh, I need to work through my own limiting beliefs, I need to figure out what they are, and I need to work through the strategies. I did recently create a six-day email course that will walk you through the process of identifying your limiting beliefs and then working through each step, as well as getting some input from me.

1:04:22I'm going to be making videos throughout it when I get limiting beliefs from people and putting those videos up on YouTube to actually talk about how I would work through each of those things. So you'll get that community support component during this as well. So you can find that in the show notes and on my website at thefioneers.com slash email dash course. Awesome. Okay. We definitely will have that in the show notes. I know sometimes it's hard certainly to remember URLs, but thefioneers.com slash email dash course, but we'll have that in the show notes. So you could just click through it, which is a nice, easy way to do this.

1:05:02That sounds incredibly, incredibly helpful. And yeah, we'll have all the links in the show notes for sure. Anything we talked about. And actually, one last thing before we go is, Kyle, I saw this on your email signature. I know you did not ask me to say this and didn't know I was going to bring it up, but it looks like you are a published author. And it looks like it actually just came out in the last couple months. Tell us about it. Yeah, I started writing it when we only had one kid. And thankfully, that was the case because I wouldn't have had time after two. But basically, it was like we talked about in the show.

1:05:32If I get hit by a bus and I'm gone, I have nothing to leave behind, this is what I want to leave behind to my girls. It's about time-tested principles to live your best life. And it's not just for my girls. I wrote it to be just for them. But after I wrote it, I was like, okay, this is pretty good. So it's for everybody. Live our best lives. And it's actually funny, Samantha mentioned the funeral overview, because that's chapter 14 about legacy. No kidding. Nice. And the book is called Wherever You Go, There You Are. And by you, Kyle Collins. And we'll have that in the show notes as well. So yeah, super cool.

1:06:03Congrats on publishing that. And yeah, I know you alluded to that in the episode, but yeah, I wanted to very specifically talk about it. So really neat. It's just always amazing to see what people in our community are doing. So yeah, huge congrats to you. Thank you so much, guys. That's awesome. All right. Well, Jess, as always, a pleasure to have you here. Thank you so much. And Samantha and Kyle, really appreciate you being part of the community and being here and us kind of working through your limiting beliefs, you helping me work through mine. This has been wonderful. I think it's going to be really valuable.

1:06:33Yeah. Thank you all so much. And Brad, thanks for having me again and accepting my proposal. Anytime. No, it's wonderful. I love these amazing ideas. So, okay. Until next time, thanks for listening. Thank you for listening to today's show and for being part of the Chooseify community. If you haven't already, the best ways to get involved are first subscribe to the podcast. So you're listening to this on a podcast player and just hit subscribe and then subscribe to my weekly newsletter. I actually sit down every Monday and write this by hand and I send it out Tuesday morning. So just head over to choosefi.com slash subscribe.

1:07:10And it's really, really easy to get on the newsletter list right there. And I would greatly appreciate it. It's the best way to get in touch with me. You can actually just hit reply to any of those emails and it comes directly to my inbox. So that's the way that I keep a pulse of the community and how we keep this the ultimate crowdsourced personal finance show. And finally, if you're looking to join an in real life community, we have Chooseify local groups in 300 plus cities all around the world. So head to chooseify.com slash local, and you'll find a list of all of those cities in 20 plus countries all across the world.

1:07:45And if you're just getting started with FI, or you have a family member or a friend who you think would be interested, two easy ways. Choose a Vi episode 100 is kind of our welcome to the Fi community. And even though it's a couple years old at this point, it still stands up. And it's a really great just starting point to get an understanding of what is financial independence? What are we doing here? Why are we looking to live a more intentional life where we save money and use it as a springboard to live a better life? And then Choose a Vi created a financial independence 101 course that's entirely free.

1:08:19just head to choosefi.com slash fi101. And again, thanks for listening.