How to Budget Through Big Life Changes Without Adding More Money Stress | Reair: Maximized Minimalist with Katy Wells | 612

20:32How much time do you have until that moment? Take that number, divide it by the amount of months that you have, and then you can start saving monthly for that event. And that also, Katie, guess what? Can be automated. Sorry, I'm not a good singer, but I just have to sing that part because it's so exciting. Imagine your vacation, your Christmas, your kids account. They're all growing every paycheck, just whether or not you can afford a lot or a little. So we want you to do the math. We want you to know how much you cost. You might not immediately be able to do all that, but even I've, we've had clients that just put 25 bucks a paycheck in there and they feel so good.

21:06Imagine you log onto your bank app and you're like, Oh, I got more money and all those things. And you feel like such an adult. You feel like so grown half and you're just doing a great job because what people usually do is they save for something. They know they're supposed to save. So they have a savings account that they robbed all the time because they, it's not really for a purpose. But let me tell you, when it says, this is one of our favorite clients, she, her daughter was going to have a wedding. And so we were saving for that. And that is not cheap. And I was like, oh, you're not going to steal from that one.

21:34I know it because like, that's very, you would never go in and steal from that savings account. So that's really when you can rename those accounts and I am saving for all those things. And the feeling of that, like being responsible, having this money set aside, knowing that you're not going to have to scramble or be stressed, that alleviates a lot of these reasons that we go binge spending or we rack up credit card debt. You're not going to have that. You're actually going to know that where your money is going. You're going to feel like you're actually doing what you want to do with your money.

22:02And it's all going to be happening automatically. It makes it personable when you rename them. Like it hits you somewhere like right here. For instance, my husband, he had to buy some stuff at Ace Hardware the other day. And I said, just make sure you transfer the money because we have a home repairs account. It saves money every single time he gets paid, that money goes in there. And so whatever he wants to buy at Home Depot and Lowe's and all the things, he can just transfer the money and he has the freedom to spend it because he knows that we've been saving for that specific situation. Now that is small, but big things, big life transitions, it's the same thing.

22:33You've been saving for that. So when it comes, you can feel good knowing that money doesn't have to be a stressor. It doesn't have to be an added stress to that.

22:42Katy Wells:I absolutely love this. I'm thinking of how my husband tends to look at money. He always tends to get frustrated by, I had my cats right next to me. I had to take him to the vet a couple of times. He was like, sick. That's pretty unusual for our cat history. I'm a cat lady. And he was like, well, how much did it cost? And I'm like, I don't know, like$100. And then we We have the money, but he gets irritated that it's going to that. And so I think if I just did what you said, have these, rename some of these accounts, and it's put the bucket, it's intentional, it's purposeful. I really think that one tweak would, and I'm guilty of this too, would make him and I both like less annoyed when we know these.

23:23Katy Wells:It's not when, it's not if it's when these are going to come, not if, but when. And you're right that when we give things a name, it's something as simple as a savings account, it does automatically shift something psychologically. This is seeing like maybe whatever the amount of money is in there for you, it feels ambiguous. Okay, great, whatever. But when I see these in my head, like the travel, maturity leave, move, cat vet, whatever, cat care, I'm like, oh, like I get excited. I want to fund them and I want to automate it. Yeah. Yeah. And automating it is just the extra like chef's kiss on top.

23:59Yeah, absolutely. We think there's also going to be buckets, like she said, that are going to make your husband feel good. Because when what happens, the reason that it's frustrating is, and this is for everybody, it's not just you guys. These are the unexpected expenses that derail all of your plans. They derail your budget. You thought you were doing good. Instead, we're going to put them aside on purpose so that nobody feels derailed. And I thought that you were going to say your bill was way higher because we just took my dog to the vet and it was way higher. So I'm just really - But$500 bill at once is ouchies.

24:32But if I've been setting aside 50 bucks, it's not. And that's where we want to take the roller coaster. Your budget, your money can just be very steady in a good way. Like you can be setting aside thousands of dollars in savings every month. You can be paying your bills easy, like not even having to think about it. And you can be living. We call it bougie on a budget, Katie. We would be so good. Maximize middle list. We're like, we want to be on a budget, but we want to be bougie. And that means something different to everybody. but you can have all of that and have your money just feel very steady.

24:59It's not stressful. There's no pop-up expenses because you've already thought about all of those things. Yeah. Our goal for you is for your budget, your money to do the same thing every single month. And it can be that way, but people, and even entrepreneurs, we've gotten, you attract who you are. A lot of our clients are entrepreneurs and we have gotten their business budget to be consistent. We've gotten them to be an entire month ahead in their business and their business finances. So that way they can pay themselves consistently, but that way their home budgets, when their money comes in and to that bills account, it all goes to the savings.

25:30It goes to spending. And then it's magically gone like extra, but it's all labeled purposely in those checking accounts. You know exactly how much you have for gas, groceries, how much I can go spend them with a friend for lunch one day. And then how much all of my savings accounts are as far as Christmas and home repair and the pets account. Yes, people. And I want to debunk this really quick. Cause I can already hear, Oh my gosh, that's so many accounts. Sure. We have a couple of accounts. That's fine, but it is way better and way more sense-making for your brain to have multiple accounts and things organized than to have one account that you're trying to do everything out of.

26:06And that is why it feels hard. That's why it feels messy. That's why you don't know what's happening with your money. So we've just taken that old like cash envelope system that grandma did, right. And under the money in the, under the mattress and stuff, and we have given it digital purpose and put it into all the accounts. and that is all you have to worry about. So Shaina, when she showed you her phone, when you pull up your bank app, you see everything labeled exactly where it's supposed to be and you know the purpose of your money. It's like the difference between having a silverware drawer that just has silverware in it or you have the organizer of your silverware.

26:37And all the forks are in the fork spot, all the spoons are in the... That's all it is. We've taken your money that's all... And that's honestly a big part of the stress. You have one account with thousands of transactions. I don't actually know, did all those bills get paid? Do I have enough to go get dinner? And the mortgage is going to get made. Like it's just, you probably do, but you don't know. Like the not knowing and it's very cluttered. The one account is very cluttered. We're going to declutter it. Modern finances are way more complicated. You were talking about that with Bree on there.

27:02There's more bills. There's more things going on. It's already more digital. Let's just take advantage of the tools that are available to us. And as I said, each account is like a cash envelope with a label, with a name, and you're putting your cash stuffing. But let's be honest, how many of you want to go in with cash and give them at the gas tank? No, you don't. You don't. We know you don't. we know you don't. So we don't either. So we're going to use debit cards. But to Vanessa's point, you probably had a couple credit cards in your wallet before. So we're just going to help you. We're going to take those out.

27:31We're going to break up with those and put some debit cards and start using, and you can label those. You're just going to, like Vanessa said, only have a couple in your account. And you're going to always know, the thing that we hear the most is I always know where the money is coming from. If the kid needs new cleats, if I'm going to the vet for the cat, if I'm going out with girlfriends, I know the money is there. I know where it's coming from. I've already planned for it and it's all good.

27:53Katy Wells:Are y 'all using any credit cards? Because I can hear the person who's really, but I need, I want my airline points or my credit card points. Where does that come into play? So we, there, there are, yeah. So there are a lot of banks out there that have savings accounts or high yield savings accounts or money market accounts where you're making between three to four, sometimes five, depending on the market percent on your money being in there. So think about a system where your bills are being paid, your spending is being taken care of, and all of your savings is going into the high yield savings accounts where you're making percent back every month on your money.

28:28Okay. You're going to make more money on that. And you're going to make more money in the savings accounts than you're spending on your credit card, getting back one or two measly percent back on your, for your points. Okay. And plus you naturally spend more money when you're using a credit card. And they know that This is a game that we're never going to win. Okay. They spend more money in marketing than the NFL football league. So that is, oh my gosh. Yeah. I heard Dave Ramsey say that stat the other day and I was like, they know what they're doing. So when you're using your credit card, you're naturally spending more money.

29:02It's not a budget. Okay. A credit card balance or credit card limit. That is not a budget, but using the credit cards and then being able to save your money in a high yield savings account where you're making that money back in interest every single month and you're watching it grow. That is the game that we want to play. Okay. Yeah. We want you to break up with your credit cards. We tell people to be your own bank. So when you're, a lot of times people are using credit cards for the things that we're going to start saving for the vet bill. Cause I, it was unexpected Christmas. Cause it, Oh, it just happened to be December 25th again.

29:30Oh my gosh. Didn't know like all of those things. We're going to have you plan for them and set aside money for them so that you don't have to use debt. That's the first thing. We want you to be your own bank. You're going to borrow from the bank of Katie when you need to go the vet, right? And that's wonderful. Yes, girl, do the dance. And the other thing, honestly, we tell people like you make too much money to rely on debt. It's just a cycle. You're just in this cycle, but you don't need it. It's a tool that you don't need to use and you don't build wealth on credit cards. That's not how people do it.

29:57Nobody got rich off of credit card points. It's just a cycle you've been marketed to. Just understand. I want to relate it to something with decluttering your house, but I'm like, it would be to me like keeping all of the old clothes just in case or all the old 100 % you don't need. Let's just let go. Let's live this like more simple way of being your own bank, using your own money, relying on yourself and not playing their game. One of the things that we've told our clients before is because they'll say, okay, but can I just keep one? And I'm like, listen, you're an adult. I'm not going to tell you if you want to keep a credit card, that's fine.

30:30However, let's just think about this. When you have more money in the bank than your credit card limit, tell me how that now becomes useful to you. Yeah. And they're like, oh. So you, like Shana said, you have become your own bank. That is what you can now fund your life. And the reason why most of us go into debt or we use these credit cards is for all those quote unquote unexpected expenses that are coming up. So when you're funding those already in your bank account, then why do you need your credit card? You don't. Okay. Objection squashed. I love this.

31:04Katy Wells:I feel like we've done this enough times where. I know. This is great. I think it's so empowering, and it's just really cool to hear your perspective and the practicality piece, of course, too. It's time to enter your coaching era because making good money should feel like making good money. Yeah. Imagine six months of private coaching where we'll tell you exactly what to do. No guesswork, no confusion, and absolutely no judgment. It's a done-for-you system that actually works. You don't know what you don't know, and that's not your fault. And that's why we're here. Financial coaching with us looks like two coaching sessions a month, personalized recaps, and after hours support, you can text and email.

31:45So you're never stuck wondering what to do next. Together, we're going to build your budget, set up your system, and tackle any challenges that come up along the way, which by the way, they always do. If what you're doing isn't working and you're tired of trying to figure it out on your own, sign up for financial coaching at budgetbesties.com forward slash coaching before where all of our spots fill up, and we will help you go further faster.

32:06Katy Wells:Six months from now, you'll wish you started today. Okay, so for the woman listening who's, oh, man, I want to try that. I want to do this. I want to implement these multiple checking accounts. I want to rename stuff. Oh, but there's like my husband or my partner, and maybe there's some money conversations that need to happen. How does one go into that in a way that creates supportiveness versus like stress? Because I've certainly been in those situations in the past where it's just, I think money is just stressful, even if you don't quote unquote have a problem. And a lot of it's because how we were raised, how we view money.

32:42It's just like our nervous system, whatever.

32:45Katy Wells:But those conversations can be especially tricky, especially if you've had a history where they didn't particularly go well. So what's your take on that? And I know that's a very big loaded question. We get that a lot. We have a lot of people who come in and just never told their spouse or haven't spoken to their spouse about what's going on. Usually there's one person in the relationship that's burdening all of the stress for finances. Sometimes it's both, but it's usually one. And we just really want you to put it all on paper. So that is one of the things that we like to say is, look, it's probably just a wrecking ball on your brain.

33:19It is worse up here in your head than it is on paper. So if you, we have a beautiful budget. everything like Shana was explaining before is on one page for you to be able to easily organize and see where all your money is going. But once you have that on paper and you can see, then you take that to your spouse, you sit down and you go, look, this is where everything is going. This is what we have going on. This is how much we have left. What do you think? And then you stop talking. I'll let you finish. Yeah. I think that like Vanessa said, sometimes it's so what you're saying, and this is what we hear from a lot of people is we can't bring this topic up without there being friction.

33:56And that bums us out, but we know it's true. What we want for you is to get into the place. So if you can make it a date night, we want you to get into the place where you're dreaming again. Like when you got married or whatever, and you had all these big dreams for your life and what you're going to do, the budget is what's going to help you get there. What we're used to doing is not having money and fighting about it. But if we can start as a team thinking about what we want for our future, it's going to give us a why, a reason to actually have this conversation. The other thing is, like Vanessa said, when you bring some of this stuff to your spouse, sometimes you've been sitting with it for a while.

34:29The situation's not great. Or you know that I have this credit card that I've been slowly racking up or whatever. They may need a little bit longer to deal with it because they haven't processed it yet. So just understand that. Understand we're going to have this conversation. It might just need a minute before everybody is on board, understands what's happening. But when we are doing that, we're going to talk about what we want. We're going to talk about our money, our goals. When Vanessa says, show them, let them make some decisions. Let them see what's going on. Maybe they want this savings bucket to be higher.

34:58Maybe they don't think this bill is necessary or whatever. It's an us conversation. And hopefully it's founded in our goals, our dreams, what we want to do in the future. What you don't want to do is present it as a parent-child relationship, which sadly is how it ends up, especially if one person is dealing with the finances and the other one is not. You don't mean it to be that way, but it just naturally becomes over time. And so you don't want to tell them or you don't want them to tell you what you're doing or what we're going to be doing with money. It is an open conversation of, Hey, this is what we have.

35:29Let's talk about it together. Let's make decisions together. And yeah, let's dream again. Let's go back to that place in time where we had this huge vision for our life and then life got in the way and we forgot our why, like, why are we even doing this? And when you have that, it makes it so much more fun to budget and set these guardrails and set the automation in place. And so you can watch your savings buckets grow. And just real quick, I know we're going to run out of time, Katie, but I think what Vanessa said in the beginning, seeing it all on one piece of paper, that is what people don't usually do.

35:58They have some random budget that maybe has their bills or has something, but you need to see everything. Like we start with the income for a reason. Look at what we're doing. Let's go. We have all this money we're making together. Like we need to see everything on the paper at one time. And the thing that I would say, I just post a picture of when my husband and I make our budgets, we go to the brewery. Okay.

36:16Katy Wells:And we go to the brewery and it's all a more alliteration is really important to me personally. Yeah. And so we make it a thing and that's really important too. It needs to be something that we've all pre-accepted in our brain that we're going to talk about budgets because not everybody wants to do that. But if I know ahead of time, it doesn't feel like an attack, right? It's not in passing. We can't be as you're going out the door. Hey, don't spend any money or whatever. We're going to have a conversation on purpose. You can bring snacks. You can make get a date night, like whatever, just on purpose.

36:44And if you're the nerd and you're the one that always wants to talk about finances and the other one does not, you need to not talk about it all the time. And Shana said, set that time. Hey babe, Sunday afternoon, we're going to, we're going to sit down together. We're going to have a date night, bring the snacks, bring the beverages, whatever you want, and have a conversation together at that specific time, not in texts while they're at work dealing with their boss, like all that, or all the time. We're not doing that. You need to make sure you bring it and only talk about it at specific times.

37:12Cause you're just going to overwhelm the person who is not the financial nerd.

37:15Katy Wells:Oh my gosh, this is such good advice. It got me thinking too related to kiddos. So you have two 17-year-olds between you, right, that have grown up together. So they're going to be off to college soon or maybe living on their own. So do the same principles you're talking about, will they also be living with the multiple checking, naming, the savings? They're going to be following those same principles. And how do you So it's a question, not a statement. And where do you start with kids, whether they're 10 or 15, you haven't had that conversation around money yet. Where do you begin? Because that's a big life transition for us, right?

37:53Katy Wells:This is a life skill. We've got to teach them at some point. Absolutely. And we want you to understand more than giving them money, more than paying for college, more than anything, if you teach them how to handle money, then that is the best investment you can make in them. The rest will handle itself. We have kids and so we've transitioned to working kids. So that's different. But at that 10 year old age, I have one of those two. We tell our clients, we used to say cash, but like they can't even go to a baseball game and pay with cash now. So it's really frustrating. So we do a lot of times they'll have their own account or we will have you have a kid's budget in your account.

38:27And then the conversation you have with them and say, Hey, your budget for the month for everything, whether it's Susie's birthday party or you need new roller skates or whatever is 50 bucks. You're going to have to figure out what you want to spend. And if you spend it all on Monday, on the first day, that's it. And then you start to have those conversations. They can start to budget. It takes the guilt off of you. You're turning that over to them to say, I'm excited to help you and let you have some fun things. But this is the limit. And you're going to have to start to figure out how to manage it.

38:55People are scared to bring their kids in on the money conversation. And we highly encourage it. There is a way to talk about money. Now, let's think about this for a minute. you probably don't want to talk about money because you have money baggage from when you were a kid or previously when you were younger. There's something there where you don't want to talk about money because you didn't or it wasn't comfortable. It wasn't a good conversation. It wasn't healthy. So we don't want to transpose that onto our kids. We want that to be different. We want them to be better than us. So bring them in on the conversation, but it has to be healthy.

39:25It has to be. It's not we can't. We're not. We have no money. We can't afford it. We're not. that type of vocabulary is going to stick with them for a long time. They're going to hear that in their head for years to come. But if you can tell them, Hey, look, you have 50 bucks. What do you want to spend it on? What do you think we should do this month with the money that you get to spend? And it allows them, like Shana said, it takes the guilt off of you. It gives them, puts them in control and allows them to see and make decisions for themselves. It's really important. But to go to your point, as far as when kids are like high school age, yeah, my kid has a couple of different accounts and it's, he has one debit card that is his spending.

40:02So with kids, it's a little different where they can manage the one spending account, right? But it is important for them to have an account for bills and they know that's where all their bills are going to get paid out of. And then they have an account for that's just for them to have fun. And then they have savings so they can see that grow and rename it. My son's original one was vehicle because that's where he was. He wanted to buy a stereo system for his vehicle. So that's what he was saving for. And now that's done. The account is named something different. It is really good for them to be in charge of their own money.

40:29Yeah. And just real quick, the last thing to say is they love having savings and high yield savings. If it counts, they get to see it make money. They can put all their birthday money in the savings account, whatever. And it's just a way to bring them in. They do not underestimate your kids. They are ready for things before we naturally think they are. And so it's really cool to bring them in on the conversation. For the budget purposes, you can also automate this. We have had parents when they're younger, they have one kid's account, right and they'll set a budget each month 100 bucks for all the kids or whatever and they're managing it and they just so that their money doesn't get stolen when the field trips when the shoes all the things they still can go to starbucks right but then as they get older a lot of times people make their own accounts per kid and then they will automate whatever their budget you get 20 bucks every two weeks whatever and they put it in there and then the kid they're talking with the kids they're having this dialogue and it's a very healthy it's not a we can't it's not a we don't have money it's no negative it's all here's your money please choose what you want to do with it good job.

41:22Congratulations.

41:24Katy Wells:I love this. You have so many practical pieces of wisdom in there. I have so many notes on my piece of paper. As we wrap up, I'm curious if you could sit across from a woman who might be listening right now in the middle of a change, who's on the other end of a big change heading into one. Maybe she's worried about something related to money or finance. What is one piece of encouragement you want to share with her today? The main thing that we want to say is you're some, for some reason, there's a lot of shame and baggage and heaviness around it. And you're, you're not bad with money. It's not you.

42:02It is literally just as simple as you've just never been shown what to do, right? No one has ever actually shown you how to budget. We, my daughter was so funny in the car yesterday. She said, when am I going to use physics, but I don't know how to do my taxes or whatever. And I was like, listen, don't be cliche. That's what all the kids say every generation, but nobody, but clearly nobody told us how to do our taxes or how to budget. And so please understand it's not you. You're very successful. You're talented. You're awesome. You're amazing at all these other things. Don't put this weight or shame on you that you should have, could have, would have.

42:31We're supposed to. Yeah. Yeah. So just, that's the main thing. You're just, you're a one, you're wonderful. You're successful at all of these other things. Give yourself some grace to allow yourself a minute, a little season to learn about this and figure this out. And then you're going to be golden. You're going to be as successful with money as you are with everything else. This is why we have professionals in the world because they help us with things that we are not good at. And I, there are many things that I am not gifted in. And finances is one of those things that God literally brought us together to teach people how to help, how to manage cashflow and all that.

43:04If this is the one thing that, that is bothering you, it is okay to reach out, listen to podcasts, find those people that are educated in that, and they can help you set up a system because it's not because you're bad. It's not because you suck or whatever. We have heard, you name it, we've heard it. People shame themselves about it. It's not any of that. It's just that you were not taught the right way or you weren't even, nobody even had that conversation with you. It's when you're 20 years old, it's, Hey, you're in college, you have a job, you have all this. Oh, by the way, you're getting married.

43:33Oh, now you have to manage two people's income. Good luck. We didn't even learn how to do the one. So it's not your fault. Yeah. Yeah. And so just, we just want, and the other thing that you said, hey, simplifiers, we really do want to make it simple. We're going to tell you, you can follow our podcast, but just understand there's a lot of noise out there. I think that's what overwhelms people. They get paralyzed. They're like, there's so many. Do I do 30, 50, 20? Do I do, do I do beans and rice? What am I supposed to do? I don't know what to do. There's so many options, but it doesn't have to be that complicated.

44:02It's really just about what you want your money to do. And the reason we have our system is we want, it's not cookie cutter. What you want is what's important. And then we are going to make that happen automatically. That's all there. That's what it is. We want to figure out what you want, what your budget looks like as simply as possible. No fixed and variable terms. Okay. None of that grossness. And then we're going to set up automatically so that you don't even have to worry about it. So you can be bougie on a budget like we alluded to earlier. That is the goal. We want you to live your best life.

44:28And that is different for everyone. And it doesn't matter what percentages or what everyone else tells you. When you make your budget and you put it on one paper, you ask yourself, what do I want my money to do for me? Not for my neighbor, not for my best friend, not what I saw on TikTok. That's not important. It is, what do I want my money? How do I want to make it work for me? And you set those limits. You set those guardrails. You set those accounts up so that way you can be successful.

44:51Katy Wells:This is so good. As you're speaking, I love the – I feel so encouraged and empowered just having this conversation with y 'all. And related to the we need to dream again, I was telling my husband the other day, I'm like, Like I'm heading into this era, like I'm bird watching and I know a lot of geriatric millennials can relate. Like I, I walk with a weighted vest now and I really, for the last year have wanted to be a zookeeper. So I'm like, Andrew, can we get a miniature pony? So I'm on chat GPT. What's the budget to take care of a horse? And oh, they need a friend. Okay. We'd have to do times two.

45:28Katy Wells:And I'm like, this is, I want to, that is my secret thing I want to like work towards. So I will, mark my words, have a spending or savings, maybe spending one, a savings one day, miniature ponies. And I also want river otters. It's not realistic. I know. Like, I know you can't domesticate those things, but if you've ever seen those Instagram videos, they have the little rock and they're like, look at my cute rock. And I'm like, I need you in my life. Yes. My daughter does too. Hold on. I had a client that went swimming with them. That was her birthday. It's in Oklahoma. I want to do that. Where does she live?

46:00Where can I do this? I'm driving home with my daughter the other day and I'm driving. It's dark and she's trying to put her phone in my face while I'm driving. Mom, look at this otter. And I'm like, no. I can't look at otter right now. But yes, we expect to hear from you that you have a savings account for your miniature ponies because, and that's the thing. What is the point of all of this? If we're not like putting it toward our dreams and you don't, life happens, clutter happens. Unfortunately, car accidents happen, like things happen and we lose sight of those. So we want to get, that's why that's step one of our method is like, just stream again.

46:33What is it that you want out of life? What do you want? Like when I said your money to do for you. All right.

46:38Katy Wells:Can you point my listeners to best place to find you? Of course, share your podcast, which I was listening to right before we hit record and any other getting started resources. Yeah. So our podcast is financial coaching for women. You can find us on any place that has a podcast and we talk like this. Okay. So it's going to be very real. It's going to be a lot of conversation. We truly are best friends. So you're going to get a little bit of that. But we are just trying to simplify it to make it fun, lighthearted, simple to get on a budget and stick to it. And we just put a lot of practical stories, a lot of, like you said, real life examples so you can feel like it's relatable and I can actually do this in my own mind.

47:13Yeah. And we actually have an awesome bootcamp coming up. At the end of the year, if you go to budgetbesties.com forward slash bootcamp, you will be able to do it's five days of training. We walk through every single one of these steps. Every single day is something different, whether it's savings or spending or automation and all that, and really just help you see how it can be, how it can fit into your life. And just really sets you up on the right track for 2026. Y 'all that's coming. What? I'm still stuck in the nineties.

47:41Katy Wells:I don't know about anyone here. I'm like, how is this possible? It's like, I think the nineties is like 10, 20 years ago. And it's really not. It's really not. I'm like, oh. whoopsies. It's not. All right, ladies, to bookend this awesome, incredible conversation, Vanessa, you want to answer this question? You want to kick us off or end on this note? And then Shayna, what's one thing in your home you would never let go of and why? Oh, laundry. I said it. I know. You would never let go of laundry? I love laundry. I love doing laundry. Wow. This is a first. This is a first. I'm the weirdo. I was just doing it last night.

48:20So my parents are coming back from Portugal and I was like doing all their laundry and like, I just, there's something about laundry I just love.

48:26Katy Wells:It's like, does it make you feel like, yeah, like a nervous system regulation for you? Yes. No, cooking. I don't like because like you cook and then everyone's eating in five minutes and it's done and it's, that was pointless. Like, I just don't see that. There's no joy in that for me because there's no long lasting effect. Yeah, I get it. But the laundry you like to fold, do you fold, hang? What's your method? What do you do? Both. What feels good to you? I think it's that it's like pressure washing. Like I love pressure washing. Oh, I love that too. It's very satisfying. It's very clean. And then you can just like, and it smells so, I just love, I love it.

49:00I love, yeah, the folding. It's the whole experience. Good for you. Okay. I love that. Yeah. I think when I was listening to Brie, she really, she was like, throw it all in the dumpster. I don't care. And I'm like, That's me. We were military growing up and as an adult, and I just have done that so many times that I don't have anything, but I was thinking maybe like my, I like my little planner. Okay. I just like my little planner.

49:22Katy Wells:Hey, I love that for you. If I had that, then maybe I feel really good. And see, a lot of these are planners from years past. And yeah, so yeah, that might be it. But other than that, I just, I don't have any one thing. I can't think of any one thing that I would want to save. Sorry. Sorry, house. I don't even know. I'm definitely a minimalist as well. It can all go. Am I disappointing something in my house? That plant looks awfully sad now. I don't know. It looks like it went down. It flopped a little bit. I heard your words. I know. I was offended. Ladies, it's been so awesome hanging out with you.

49:56Katy Wells:Thanks for coming on the show and, of course, sharing all your wisdom. You guys rock. I had such a great time. We are so blessed and honored. Thank you for having us. We were really excited to come and talk to you. We love talking about the B word, budget, right? So it's been so much fun. Thanks, Katie. Thanks, ladies. If you make good money but have nothing to show for it, this quiz will help you figure out what's really going on with your money and what your next step should be. You'll get a personalized result and a simple action step to help you feel more organized and less stressed. Go to budgetbesties.com forward slash quiz and take the free quiz today.

50:29That's budgetbesties.com forward slash quiz to find out what's really going on with your money.