How to Stop Feeling Stressed About Money Without Tracking Every Dollar | Reair: All Things Excellence Podcast with Chelsey Debruin | 576

23:46So we've been talking for 45 minutes. We haven't gotten into the meat and potatoes of what we teach, but one big thing that we want you to be is your own bank. We want you to be your own bank where you don't need to rely on credit cards, where you have money in savings accounts for the trips that you're going to take home that is making you money. Your money is making you money in a high yield savings and you're your own bank. You can borrow from yourself whenever you need to. And so your net worth Wealth is way more exciting to track. We don't care about your credit score. Your credit score is a made-up score.

24:17It wasn't, as we alluded to earlier, it wasn't around a couple generations ago at all. It's not a tool for wealth. It's a tool to keep you in the cycle of debt, and they're going to win that cycle. They're going to make you think that your credit score defines your wealth. But what we know is that your money in the bank is what defines your wealth. What do you say to the person that goes, yeah, but I need a credit score to buy a house? We're not denying that you don't need a credit score to buy a house. That's not what we're saying. But we're saying there are so many people that are so focused on their credit score.

24:45Listen, we know it's a game. Okay? We get it. We're not blind to that. It is a game. And there are some times where you've got to play the game for a short time. But if you're not buying, if you already have a house and you already have the car and you're not doing anything, then why are you so focused on your net worth? I have a client. He's, I have so much equity in your credit score. I have a guy and he says, a client, he goes, I have so much equity in my home. I said, that good for you? Are you selling your house? He said, no. And I said, then what is that equity? How is it helping you? But is that mindset of, oh, my shoulders are back and I'm standing tall because we bought our house for this much and then the prices went up and I have so much equity in it.

25:22Yeah, but it doesn't matter. Okay. It's also, I'm sorry, fluid. The people around here in my neighborhood, I'm like, you idiots bought your house for$550 ,000 three years, three, four years ago and the markets crashed and now your house is worth$325 ,000. How are you doing? There's a lot of that where I live. Like Arizona market went bananas. And so people were, oh, look at my equity. And I'm like, your equity can change overnight. Yeah, that's not. Well, it's just that your credit score is a distraction. It really, it is a distraction and you need to focus on your net worth. And what Vanessa was saying is if you already have a car payment or a mortgage, you don't need anything else to get your, to keep your credit score what you want it to be.

26:02You don't need those credit cards. You don't need any of it. And again, they're going to win the game. They win the game. So. I know. But when you follow a lot of the credit score tracking things, which I always have done, they make you feel like if you don't have a really crazy, insane, high limit credit card, then your credit sucks. And then you're like, oh my gosh, the only way to get my credit score, my limit higher is to use my credit card more. So then they'll give me a higher limit and then I can have a higher credit score. It's a game. It's literally this cycle. It's a circle. All it is.

26:28I'm going to get more debt to have a better score, to get more debt, to have a better score, to get more. Like, why? Yeah. I feel that though. And they do a really great job on the - They do a great job. Yeah. 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 recap.

27:06And after our support, you can text and email. So 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 all of our spots fill up and we will help you go further faster. Six months from now, you'll wish you started today. I think Dave Ramsey, I think it was him. I've heard on his podcast and he said that they spend more money, the credit card companies spend more money annually than the NFL does on marketing.

27:44So like they know what they're doing. We're not, it's a game we're not going to win. Yeah. Oh my gosh. Okay. I was intrigued by that going, what is that about? Tell me about that one. The next one was reduce expenses. if you could only pick two to three ways, what are the things that you would tell people to focus on? These are the really go after it thing because you have a lot of different ways that you can reduce expenses. But what do you feel like are two to three if somebody was trying to get really simple and go, I need to start getting a handle on my budget. How are you guys working with people?

28:17Where do you start? Before we answer that, I do want to say a lot of people think that doing a budget or working with us means you have to cut things out. Yeah. One of the things that we are really big on is it's not necessarily, oh, cut this, cut that. That's not what we're here for. Yeah. We're here for, hey, you have a gym membership. Do you use it? If the answer is no, then it's going. If you have five to seven different streaming subscriptions, but you use one of them, then the rest of them are going. So it's really, it's things that you don't use, wasted expenses in your budget, that's what needs to go.

28:54Yeah. Yeah. Reducing expenses doesn't mean losing something. That's what we want to know. Because something you said, re-quote insurances, which I tend to do probably annually because I get really annoyed that it's always increasing. Yeah. It's all of them. So your insurance, your cable, your internet, your phone. When was the last time that you negotiated? When was the last time you called and fake canceled and then they gave you a better deal? That's the game that we're all playing. And they're offering new people better deals than you. So you might as well ask. And we We actually have, depending on your level of debt, we have our clients do the same thing when they go down their debt, their credit cards.

29:29Call them and see if they have a deal for you. They might be able to reduce your interest rate for permanently or for a little bit of time. They might reduce your payment, all kinds of stuff. What? Yeah. Oh, yeah. Girl, never be afraid of the ask. That's like our biggest thing. Just pick up the phone, call and see if they could work with you. So we moved out here a couple of years ago. And when we did, it was when the market was losing its ever loving mind. Interest was 6%. And houses were like slab houses for 1 ,700 square foot were like$550 ,000,$600 ,000. And I was like, we are absolutely not buying in this.

30:04This is not happening. We're going to rent. We're going to look. And we're just going to find God's going to give us a great place. And he did. Gave us a place. I'm like, somebody screwed up. We got this place cheaper than the interest rate would have been monthly on our mortgage. We were looking at, do we want to buy and move now? Do we want to stay? our renewals coming up last week. I started looking around. I just took time to look at the market rate. I text them back and said, Hey, just basically going, I know you do a 600 cent annual increase by this rate. We're going on year five. This is where we're at.

30:36This is where we started, but this is the current market rate. We're really far above it, especially from when we moved in. Is there any ways you, is there anything, is there any wiggle room? Y 'all, they were, they came back and said, if you'll sign for 24 months, we'll give you this rate, $8 ,000. I was like, okay, we're going to stay in this house renting at a stupid cheap rate for two more years until my husband graduates from college and gets - So you'll save$8 ,000? We're going to save. They reduced our rate$8 ,000 from what they proposed to us. Me just going, hey, this is what the market's actually doing.

31:10I know you did this automatic increase that you do. And the guy emailed me back and said, hey, if you'll sign a 24-month lease, I will give you this rate instead of the rate I originally sent you two days ago,$8 ,000 less over two years. Yeah. So you always ask. Yep. Politely, which my dad did say. My dad said, see, that's what happens. When you open your mouth. I tell my kids, just open your mouth. Have a conversation. Yeah, and he goes and you did it politely. You didn't yell at them. You were kind. You were well-informed. You did your homework. So I just didn't know you could do it on all these other things.

31:46You guys have me really intrigued. Okay. So the one thing I will say on the ditching debt, you guys said unlink all your cards. I felt like that was a personal attack. Yeah, it is. You're a feel attack, Chelsea. No, I'm just kidding. No, it's just so, you know, this is really window into what we do with coaching and all of these are literal action items that we put on. You're moving with people, right? If people are going, I literally, there's no way I can do this myself. They can just call y 'all and you guys will help them move through all this and hold their hands. And so we coach for six months at a time and we help you build a budget.

32:16We help you figure out your plan to get out of debt if that's something that you want to do. We help you build savings buckets and figure out your spending. But when it comes to the – for the credit cards, what we do is we'll be like, wait, you said you have a Spotify subscription. Why is the bill not coming out of your bill account? And the problem – and this is part of what feels so complicated. You have this Spotify on this card and then you have your gym membership on this other card. And it's just all scattered and disorganized. And that's actually the problem most people have, Chelsea. They're not bad with money.

32:46They're not bad at everything. They're just disorganized. And it feels all over the place because it is. So what we want you to do is have one bills account where all of your bills are coming out of. It's not on the other cards. It's not adding to your debt for no reason. Why do you have a Spotify on your debt? Like you can afford it, girl. You can afford for the$17 a month or whatever. Get it off of your credit cards. That's what we're saying. So you're telling people – okay. Okay, so this is another place I feel like we've been convinced is it's safer to put things – it's safer to use your credit card than your debit card because it's more secure.

33:18So your debit card has the exact same security as your credit card. So if you look at a debit card, it has whether the Visa or MasterCard symbol on it. It runs through the same system that your credit card does. So that's a lie. And actually, I will tell you that we actually recommend people use ACH payments first because that is even more secure. And also a lot of companies are giving you discounts. Yeah, I always use ACH because - When you run ACH. Yep. So it's like my phone company gives us, I think a$30 a month discount. So on top of my husband's 25 to 30 % discount to be with them because of his work, we also get a$30 a month discount because I do use ACH versus the debit card.

33:55That's why, okay, so I have a credit card on my AT &T account, but really I always pay with my ACH, which is why they got all of me because they give me a discount for using ACH because obviously then they're not having a credit card fee. Yeah, so the other solution to that, what we have is you're going to have one bills account and there's only so much money in that account. It's literally to pay your bills. So it's not$10 ,000 that they would have access to. All of that separate. It's just your bills. And Chelsea, it's what makes it very noticeable if something like that happens because what people have is they have one account with all of this stuff going on.

34:32They don't really know what's going on. There's hundreds of transactions in there a month. Instead, one of the accounts that we're going to have you set up is just for bills. And you probably have no more than probably 20 bills, give or take, just give or take. And then you have four paychecks maximum coming in a month. That's all that you're going to have to keep an eye on. And you can set it up automatic. You don't really have to keep an eye on. But it makes it so much more simple. You know exactly what's going on. And back to Vanessa's point, it's not necessarily about what we're taking out.

34:56We just want to see it all. We've had several people have duplicate streaming services or have duplicate bills because the husband was paying for one and she's paying for one. Come on, guys. Let's just get it on one piece of paper and get organized. Again, it's not usually that you're bad at budgeting, bad at money. It's just the organization. And that's what we teach is how to organize it easily. And I had a client. We've had actually multiple clients that have been hacked. Their account's been hacked. And they said, thank God for the system that you had us set up because they didn't have access to all my money.

35:25And it didn't interfere with everything that was going on. I still could pay for grocery. So maybe it was their spending account that got hacked. Their bills account was still secure. Their gas and groceries account. was still secure. Their husbands got like everything was still secure because it was only the one that was messed with. So it still allowed everything to still happen. And their bills, which is the most important one, was unaffected and everything could still run like the mortgage. That weird little fear, because I got hacked way, way back in the day, is why my husband has Wells Fargo.

35:54My one business has Chase and my other business has Capital One. Like I don't even keep them in the same bank because I have a weird fear. I just have a weird sure about that, which, okay. So speaking of being an entrepreneur, I'm sure you guys coach entrepreneurs who have a little bit more complex than most people, right? Yeah. You attract who you are. So I think more than half of our clients are entrepreneurs. We do their business budgets and their personal because you can't do one without the other. And our system, the way that we set it up works exactly. I think there's one extra step for business.

36:23It works exactly the same for business. And then it feeds into funnels into, excuse me, their personal budgets. Okay. So what is it, let's talk about what does it look like to work with you all? So when someone's going, I just, I don't even think you guys have a lot of tools. You have a bazillion free tools, but you will also take someone's hand and go, we're going to walk through the waters with you. Yeah. Because here's the thing. We had one, one entrepreneur say I would have gotten here, but it would have taken me at least twice as long, if not longer. And that's really, you're an entrepreneur.

36:55You are maybe a wife, a mom, whatever else you are. You have so many things going on, what we want you to be able to do is show up to your coaching session. And we'll tell you exactly what to do. We'll look at all your numbers with you. There's no guessing there's no, what do I do, we're going to walk you through every bit of it. And then after six months, you're confident, you know, exactly what's what's happening. I have a story that I tell of one of our clients that we started and she came to the first session. She's also an entrepreneur, mostly real estate investing, but very busy with that.

37:22And she came to the first session with a bottle of wine. Okay. She was so anxious to look at her numbers. She did not want to do budget budgeting, but she knew she needed, okay, as long as I have wine, I'm going to get through this. And you fasted, after she was done graduating, she graduated coaching, her husband unfortunately got diagnosed with cancer over the summer and she didn't even have to look at her budget the entire time while they're going through all of that. She never even lifted a finger and every payday, her groceries were funded, her bills were paid automatically, her savings buckets got their transfers.

37:56They were all adding up just like they should have. Her homeschool bucket, everything was happening and she didn't have to like pay attention or put any energy so that she could just be present where she was. Imagine going through something like that and having also financial stress added on top of that. So she was able to just be fully present in the situation at hand and knowing that her finances were completely taken care of because that was the process and that was the system that we set up for her. Yeah. Y 'all, this is like God whispering saying, just get it together. Yeah. Not because like life happens.

38:25Yeah. No, and it's no judgment. like she came with a bottle of wine we're good let's go we got this all right i'm not the one drinking so math can still be doing it's fine but there's no judgment and that's really what we want we want to we want you to show up and see it's just math we will work it's a math problem we will work it out with you and then you're gonna feel really good that's what we hear is i finally feel confident i feel in control i'm not stressed and that's what we want and like we said i want if you're if i'm going to learn something just tell me what to do i don't have time to go through and figure this out and do this just tell me what to do help me get there and that's what we want That's what we do for coaching.

38:58Think of it as a personal trainer for your finances, right? So like Dana said, you'll eventually get there, but you could get there in half the time. If you do not have to chat GPT your way through it. That's why people say, oh, why do you pay so much money for a club Pilates membership? I need just a few things in my life that I don't have to think about. I got enough things to think about and I definitely do not need to think about what workout do I need to do today. I want to show up. I want to get my butt kicked. the thinking. I think some of our best clients come into coaching literally from day one or the free call and they say, I know how important it is to invest in yourself.

39:39I know what that looks like and what it should be. And so they're ready. They know what the investment should be. Maybe because this is maybe the first time they've ever invested in themselves for their finances. We'll go to college. We'll get a CPA because we don't know that. We'll get this person for this, get this person for that. But when was the last time you had somebody look over your personal finances and run through it with you with a completely different mindset, a different thought, a different outlook, who's not emotionally attached to it, who can say things that you would have or say and see things that you would have never done or see before.

40:12And so it just really allows us to come in and paint a picture for them that they may have not been able to paint for themselves. Yeah. And I think it's that no shame thing. It's, hey, no shame. I think we're supposed to know what to do, but why would we? Because you weren't taught. Yeah. We were not putting that expectation on you. No. Please. Un-subscribe. Yeah. So y 'all do a free discovery call with PC where you're all at. And then from there, they can enroll in six months of coaching with you. It's like a six-month budget bootcamp. Yeah. Yeah. It is. Literally that. Okay. So what to wrap it up a little bit, definitely do that, guys.

40:48Just go dive in, look at all the free tools. I think people probably will start reading through the free tools and realize oh my gosh these people know this packet is it's incredible it's hard i also think that you guys just know things that most people don't know yeah like one of the i remember right here there was one thing about turning off your credit cards and doing something and then you're like call about it see if you can get a reduced rate or the deal is we've been doing this for six years we have had plungeons of clients that We're literally looking at their very different budget. All of them are different.

41:25And that's it. We've just been through it. And this is our area of expertise. Everybody has their own area of expertise. And a lot of times people put this level of that, like we were just talking about, expectation. I'm good at this. I should already know this. I should. And no, you shouldn't. Literally no one taught you. As we alluded to earlier, everything is more complicated than we ever thought. So let us just help you. We'll walk. We will hold your hand. We will walk through it with you. And then you'll just ride off into the sunset and be all happy. We like to say, we'll give you your wings so you can do it on your own.

41:53Because that's the whole goal. There are some coaches that want to keep you forever. You don't want to keep them forever. And we are not like that. We want, girl, I had a client for four years. I love them so much. And I said, girl, you got to go. You got to do this on your own. Oh my gosh. I just wanted you to keep holding your hand. Yes, she did. And she was so sweet. And she was going through a rough time with everything. But I finally told her, you can't rely on me to do this for you all the time. You have to do it. And she's good. She's awesome. She's lovely. But six months. We get you in and out in six months and we teach you.

42:21It's drinking from a fire hose. We give you a lot of information, but it's stuff that you will take. It's not just stuff you can implement and be done. You'll have a lifetime to be able to make this success and also teach your kids, teach your grandkids and whoever else you want. I love this. To me, how I view it is, it's as simple as why I pay somebody to teach me how to work out because health is really important to me. why I go to my wellness center where I'm like, just tell me what I need to do to be the very best, most energetic version of myself. That's all I need. Don't care. But it's also like an accountant.

42:54Never in my lifetime have I ever done my own taxes ever. Why would I? It is not my day-to-day job to know the tax rules that are changing. And I feel like y 'all are just like you have an accountant to be a tax guru because they know all the little things that are constantly changing. Y 'all are like the budget gurus. That's right, but they're budget besties. Yeah. We're not only budget besties, we're y 'all's budget besties. Y 'all are our budget besties. Oh, I feel that. That's why our tagline, is that hashtag? Our handle. I'm going to get it right. Our handle is my budget besties. So Instagram, Facebook, anywhere, like that's what it is.

43:31You are my budget bestie. I feel this because I, the fact, I just think that you guys know a lot of tricks that why the world would I know these tricks to do? Yeah. Like most people don't even know that they can have more than one checking and savings accounts. You can have them. It's fine. It can be in the same bank and you can rename them and there's automatic transfers. We know a lot of things. We have a lot of things. We have a lot of tips and tricks. You guys, okay. So here's a quick one. Do you guys have, I love Capital One because it'll let you make as many free checking accounts as you possibly can to create all your little buckets.

43:58I personally love that. But do you guys have a favorite bank? We will someday. Someday. Yeah. No, we don't have a favorite one specifically. There's just based on what works for you. We have a lot of banks that people choose the majority, like majority of them based on their situation, but we don't have one specific one. We have had several clients with Capital One and there's some, it works. There are some pros and cons. So it just really is about going through what's, what you're going to set up and then we will help you find the best bank. The best for you. Because some people are very pro like credit union.

44:28Okay. Yeah. Oh yeah. We love credit unions. They seem to be really great. They have all the things that we want most often that we want for you. So yeah, that's just curious about that. Okay. So what are two to three tips that you would go? Okay. If this, if somebody is like, they're just too in their shame spiral, they may download the packet, but they're probably not even going to print it out and read it or not going to open it or whatever, because again, they're overwhelmed and they're in their shame spiral. What are two to three tips that you would want to give them to go? Okay, girl, you might not do anything other than listen to this right now, but what are two to three things you could do to start making progress?

45:02Yeah. If these are the only things that you can think about or that you can take away from this entire conversation would be one is to have a bills account that only your bills are coming out of. So you don't use that debit card at the grocery store. You don't use that debit card for date night. The debit card stays home and that account only gets used to pay your bills. Yeah. And so that's going to be the, probably the checking account that you already have. And then you're going to open up a new checking account, which is going to be your spending. And so you're going to have a set spending amount each month.

45:34It's a separate checking for spending, not for saving. That's a different conversation. But it's going on bills account. Bills is bills. Bills only. And a bill is defined as anything with a due date. Yep. And then you have a separate, like Vanessa said, you have a separate account. We actually teach four separate accounts, but we're not going to overwhelm you. You're going to separate your spending to simplify your spending. So you're going to have this other account that has, let's say,$2 ,000 that covers your gas groceries and whatever. Target runs, Starbucks. And that's all you have to, you just live over here.

46:02You just live over here and the bills are taking care of themselves and you don't have to like it when you're in the checkout line at Costco or whatever being like, hey, do I, did the mortgage get paid? How much gas do I need? What's left? Like all these transactions. Mathing in your head. No math. No mental math. It's like, what's in my, so my, I do give my, people are like, I can't believe you give your husband an allowance. And I'm like, he loves it. He wants it. He like, it's like, how much money can I spend on stupid things that don't matter? Nobody's going to get mad. We recommend that to everyone.

46:31We recommend the wife has their own account to do whatever she wants. The husband says no judgment. Nobody cares, but it's nice to know that it doesn't interfere with anything. Like Shoshana was saying, she alluded to the fact that we do recommend a couple more spending, but if you can do the one, start with the one and get it out from the bills. And then we like to say that your spending account is where you live in your budget. So you don't live in the bills account. You live in your spending account. And that amount that you have put in that checking account is your budget to live on for the month.

47:00Which if let's say we were to get a little bit fancier, there is like the general family spending account, we could say. And then there's the wife fund money account and husband fund money account. Let's go deeper. Yeah. Okay. So really we want to have four probably. Four checking accounts. Just say it. Just tell us what it is. Let's go all in. Girl, we love you. Oh my God. What word for gas and groceries? Listen, for me as a mom, when I got to the 28th of the month and there was no grocery money, this is like the game changer. Oh, okay. Because I needed to pay this and I need to pay that. And then the kids, so having an account for gas and groceries, that's all it is.

47:36And there's a set amount that goes in there every month. And all I have to, if I need gas and groceries, it's right there. Okay. The same. We also want one for him and her. Each of you are going to have your own personal spending. You have your own vices, right? Yeah. Yeah, and that's, like you said, totally gut free. But he has to have it because he could spend$1 ,000 at the quick trip in seven days. Yeah. We'll see you later. Yeah. Been there, done that. Whoa. It's not a challenge. What's his name? Tell him it's not a challenge. It's not a winner here. I was like, how did you even do this? Yeah.

48:04I'll never forget. We've been – like, this is when our money was really starting to be our money. I'm like, how did you spend$1 ,000 at the quick trip in seven days? Oh, my God. Yeah. Yeah. So Shana said gas and groceries, done. Personal accounts, done. Going out to eat, family fun, restaurants, entertainment, whatever you want to call it. This is for date nights. It's for movie night. It's for goofy golf with the kids, ice cream with the kids. It's for Chick-fil-A runs. It's for all that. All important. Okay. All that. We have a bills account. We have a spending account, but spending is things that don't have a due date, but they are still things like, oh, I need to, I don't know.

48:42So here's the thing. People think that gas and groceries is a bill. It's not a bill. It's an expense. So that's why we move it over to spending. It's not put into the bills account. The bills account is anything with a due date. That's your auto insurance, your mortgage, your utilities, your subscriptions, your gym membership. It's all of that. Gas and groceries. And so wait, what are the four accounts? So gas and groceries. Gas and groceries. You guys have your own personal spending accounts. Okay. So that's number two. The family fun, which is going out to eat, restaurants, entertainment, whatever you want to call it.

49:12And the final one for if you have kids is a kid's account. Yeah. Because here's what happens. Here's what happens. First of all, you're trying to track all of this in one account and it's a disaster. So we want to put money specifically into each one based on what you think you generally spend each month. But that way when you were planning to go out to coffee with your girlfriends, but the kid comes and asks about the field trip money and then you don't have any money. Now we have had separate spending account for the kids so that they can get the things. And it's what we were talking about earlier.

49:40depending on how old they are they can manage that themselves they know they have a hundred dollars a month and they can manage it and you're it's not on you it's not on you anymore you just have to worry about spending your own money and that's a great thing this is so there is the bills account but it's there's four spending accounts yep i love this so the idea is let's get super complicated you'll have five checking accounts but people immediately be like oh my gosh no but let me tell you the husbands are usually the ones that come to the meetings and they're like oh my god this is going to be so much.

50:08I can't manage this. And then month three, they're like, this is the best decision we ever made because I clearly know where our money is going, why it's going there, how much we're spending. And I don't have to track anything. The only thing I have to do is pull up my bank app and it tells me the name of the account because remember you've renamed them in your bank app and it has the balance there. And that's all you have to do. There's no tracking required. And it gets better, Chelsea, like when you really dive into what we teach, it actually is better than that. There's more to it. But one of the things I was thinking is like 12-year-old Chelsea with her little jars and her little different money.

50:41It's just a digital version. It's the same concept. It's a digital version of that. It has a bank account with a name that says Chelsea's spending. And then I know exactly how much I have to spend. And if I spend it, nothing happens to my grocery money. I'll still be able to eat. And my mortgage will get paid. And it's all very clean and organized. I honestly love this. The day that we just do it on, for my husband, we just did it on Venmo because we did this all around the time when Venmo was being venmo and you could have a venmo debit card and he just knows that when he gets paid every other week because then it's his money like he feels like oh like i i worked for this helps his manliness because he did not grow up with that whole sense of provisioning thingy and so he loves to be able to just deduct his little spending money and so now we're working on you don't actually have to because there was a years where he was going back to school so he wasn't working So now that he's back working again, I'm like, remember, you don't have to spend it all.

51:34Because we recently increased. We recently increased his little budget. I'm like, we don't have to spend it all. You're like some of our clients. They come in and it's almost like a competition who has more money left in their spending account. And I honestly love them to want to win that competition. He truly is because they're both looking at the numbers together. It's like the first time that they've done that. And having this organized, it naturally. And then you start having your savings buckets. That's a different account or that's a different conversation. But knowing that your money is going to your actual goals, not a quick trip or whatever, that naturally makes people spend less, like all by itself.

52:10We don't have to do anything. It's just naturally, oh, I'd rather go on that vacation. So I'm just not going to spend money. It's like my husband, I think it was like two weeks ago. He said, hey, babe, why do you have twice as much money in your spending account than I do? And I said, because I don't swipe my card every time I go to the gas station. And he was like, oh, fair point. dude what dudes in the gas station man like they're just they yeah but i'm like he doesn't care he was just making a joke but it's like yeah he gets to spend on whatever he wants i get to spend on whatever and nobody cares because but like shana said but and everything else is taken care of you're in your goals you're watching your net worth increase your bills are being paid you have money for gas and groceries you still have money for date night like it's all working I love it I absolutely love it oh I'm so obsessed with you guys you're so cool this is so good yeah thank you for having us on okay so what in closing what permission do you want to give to that woman that's listening to this going I don't know maybe it's a woman who's I think I've maybe got it figured out but not quite or I wouldn't even know where to get started or I'm too ashamed or I'm already drowning how the heck am I supposed to hire someone to help me figure out my finances which I'm like, girl, I bet they'll find your subscriptions.

53:22You know what I mean? Like the subscriptions alone that you don't know that you have that y 'all are going to help them have awareness about probably will pay for you. Yeah. You probably pay for yourself pretty quick, hey? Oh, for sure. I think on average, some of our clients are paying off between$30 ,000 to$50 ,000 in six months when they actually start looking at what's going on with their money. Stop it. Oh my God. pretty substantial progress even single like i had a single lady she paid off gosh i think it was almost 30 to 40 000 in debt in six months just because we saw the numbers she got to work and she knew what she wanted and she achieved her goals it was huge i'm obsessed okay what permission do you want to give to that woman to just be like come on yeah just be okay with you don't know what you don't know and that's totally fine and that's understandable we had one of our first clients, she was a about to be a million, a net worth millionaire, CPA or not CPA financial advisor.

54:17And she was like, I feel ashamed because I should have already known this. And we're giving you permission. You don't already know it. No one taught you. It's way harder and more complicated than any of us ever thought about when we were counting pennies in our jars or whatever. And so just give yourself permission to learn this, to give it a minute, to get good at it and to be able to own your numbers. That's one of the big things that our clients, like they know their numbers, They feel good about their numbers. They feel in control. They're not losing sleep anymore. They're not anxious. And that's what we want.

54:47And you can do all of this without tracking every expense. That is the biggest part. And I think that's the biggest weight off people's shoulders. They feel like they have to track things. Come have a bestie in your corner. Come have somebody see it in a different way, a different light, and allow you to be able to have the freedom to spend because that's really what we want for you. Yeah. And I'm thinking of that woman that goes, I don't even have time. And I'm like, you don't have time not to. Exactly. Because in six months, like if in six months, are you going to do anything to change it? And if the answer is no, then you're going to be right back to where you are or you're just going to be sitting there wishing that it could be worse.

55:21And when you could have in six months made a complete change in your finances and the trajectory for your future. Yeah. And nothing changes until nothing changes. And like what the pain of remaining the same until the pain of change. And I think the one that somebody else says is when you're sick and tired of being sick and tired, that's when change happens. Believe. Yep. Love it. Oh my gosh. Y 'all are the best. We have all the goodness from them down in the show notes. You can go to their website. Is that where they book a discovery call? Whatever. Budgetbesties.com forward slash coaching. You don't have to sing it.

55:52That's optional. Yes, but you could. They'll sing it for you at your discovery. At your discovery coaching appointment. Oh my gosh. I'm so obsessed with y 'all. This was so great. Thank you. I feel like, oh my goodness. I've been up since 2 a.m. with the weirdest financial anxiety on the day that I'm interviewing you people. What in the heck is going on? But I feel like you guys brought so much fun and excitement that now I can go for days on days. I'm so excited about this. You're on a financial high right now. I am on a financial high. You know why? Because when you learn more financial tools, you just feel a little bit more control of life.

56:30You're like, okay. Better handle on things. Better handle on things. Going to sleep better. definitely not going to wake up tonight at 2 a.m. So thank you all for reaching out. Thank you all for coming on here. 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. That's budgetbesties.com forward slash quiz to find out what's really going on with your money.