How to Never Worry About Money Again With Jesse Mecham

24:46And I'm like, oh my gosh, I actually, like, there's no way I'm going to drop 6 ,200 on that car for repairs. So we literally moved some of that money. We were saving up for this Disney cruise. Like it was probably 14 years ago. And I was like, Oh my gosh, Julie, we're going to move some of the money toward the Disney cruise. And we were both like, we just found free money, you know, like this is amazing. But the money was there as an option. And we just redeployed it. Once I realized I was basically over, you know, over saving in that, in that situation. But the fact of the matter is I had just pulled out of thin air, 150 bucks a month for this apparently mega reliable car that never broke.

25:22So that's all we want to do is just set money aside for it. Average American spends just over$900 a month on Christmas. I don't know if that includes travel. So walk that through, you know, and kind of think through it for yourself. Think about travel, extra food, hosting, maybe gifts. But that's one example where you can just say, I'm not going to have that be an emergency anymore. There are no normal months in life. People will, Andrew, you've seen this, I'm sure. People so often will be like, all right, we'll put it on the card, whatever it is. We'll put it on the card. Next month, we'll pay it off.

25:56We'll just wait for a normal month. We'll be able to pay off the card. Waiting for a normal month, that is a fool's errand, man. They never, ever, I mean, look, I was just complaining about my pool cover. Boom. I just mentioned how the car is vibrating. There's another one. Like, God, when is a normal month going to happen at the Mechams? I don't know. You know, we are yet to see one. So there is no normal month. There's just cash that you've set aside for life. And when you name it, those specific things, you spend it not happily, but you spend it confidently. And you can be like, look at me.

26:31I was totally ready for it. You know, I'm a superhero. It's one of the best feelings. And I think for a lot of people listening right now, they may be saying to themselves, well, I don't have that much margin left over to do this kind of stuff. But the key is, and this is something that I think most people need to understand is just put something towards it. All of a sudden, what's going to happen is once you start to put some of your dollars towards some of these different categories and some of these different goals, you're going to realize, oh, I'm going to get a tax return. And when that tax return comes in, I could put a little more towards this or, oh, I just got this bonus.

26:59And when this bonus comes in, I could put a little bit more towards this. And just getting it started means that you are starting to roll that snowball downhill. And it's just really getting a little bit of momentum going. And you mentioned this in the book. Let's say, for example, you have a car repair that needs to happen and you have$700 in your car repair fund. But then all of a sudden, that car repair is$850. Well, then all of a sudden, all you have to do is come up with an extra$150 instead of the full$850 that would have completely stressed you out and derailed your finances for the month and made you feel as though you were in this massive, anxious state.

27:33No, instead, you've done most of the work and then all you have to do is come up with a difference. And I think that's just so incredibly powerful for people out there who are just trying to figure out, like, how do I figure this out? How do I make these ends meet? This is how you do it. Just slowly over time contributing to these funds. Yeah, I like that you mentioned the windfalls, tax return and things like that, or tax refund. People underestimate how many windfalls they get, like how much extra money just kind of appears. Three paycheck months are a common one. And so, yeah, note that, like I said, there's no normal month.

28:04And that also can be to the upside. like when false happen and, uh, yeah, make sure you are aware of them and use them as appropriate. Most people, when they're looking for margin, I don't mean to like take away the magic of this transformation for everybody, but when people are looking for margin, we've done so many interviews and I personally conducted, uh, well over a hundred and I've gone with people that have paid off mountains of debt. And you're always like, okay, you were 30 grand in debt and now you're debt-free and it's been a year and a half, two years, like what, how? And I'm not kidding you, Andrew, 100 % of the responses when I say, how did you find the money to pay off all that debt?

28:48100 % say we ate out less. Wow. And I hate saying that because it's so not interesting as an answer because you're like, well, hold on. And then I have this existential moment where I'm like, wait a minute are you telling me my whole existence my whole career has basically been helping people become aware of how much they eat out and then they decrease it and then they have money you know and you're like yeah that basically that you could you summed it up you know we have cool software or whatever but it just telling people not to eat out as much anyway i'm i'm a fan of eating out if it lights you up but i am serious when people like that's where they find the money.

29:28That margin, you use the word margin. That's what kind of tripped me up. That margin is found. I mean, look there first. People talk about subscriptions. They're like, oh, find subscriptions, you don't use. Sure. Yeah. I'm telling you, that is not the needle mover. The needle mover is the eating out. Right. It's just crazy. It really is. And I think there's, there's even along a similar lineup. I've talked to people, you know, in the past where I've said, hey, how much, how much are you spending on groceries per month? And a lot of people, if they don't budget, they'll say, oh, I'm spending, you know,$800 per month on groceries.

30:00And I go, okay, let's go add it up over the course of the last three months. And they'll add it up. And they realize they're spending$2 ,000 on groceries because they're just grabbing stuff and put it in the cart. And there are little things like this that you can do where you can really look at needle movers, things that are going to really, really shift and move the needle. Obviously, a lot of people talk about housing, food, transportation. Those are the big three that I think a lot of people look at when it comes to this. Daycare can be kind of like a fourth, depending on the season. Daycare's big.

30:23Yeah. And that's another big one for sure. And those are some of the areas that if you can really, you know, nail those in, you can make huge progress on things like paying off debt or things like, you know, achieving financial freedom. You and I both know many people who have achieved financial freedom in their 30s and even, you know, early 40s where it's because they do stuff like this. Yeah. And it's not me saying like, don't eat out. Like I don't care. Like I truly don't. You can do your money's yours. You can do it. I mean, the whole book is about do with your money, what you want to do. I just want you to do with your money, what you want to do when you are aware of what you were trading.

30:58Once you are aware of those trade-offs, asking what it's for and answering that question and realizing that if I do it here, I can't do it over here. if you're aware of the trade-offs, I really, I just haven't seen people make poor decisions. They really do make good decisions. They're like, oh, I want to get rid of this credit card bill. This is killing my cashflow. You know? Um, yeah, they do it and they don't do it in a way where they feel deprived either. They do it in a way where they're like, no, I didn't want my money going over there. So now using you now as an example, again, couldn't care less people.

31:32I don't like eat out all you want, just be aware. But if someone were like, oh my gosh, a lot of times people will spend usually what they spend on groceries, they will at least spend eating out. And I mean, that's the kind of the numbers that we, we've, we see. And when they see that, that when you transform an eating out number into more groceries, it's usually like, you know, you, you can reduce that by 80, 90%, right? So they'll see it and they don't feel like suddenly life is sad, you know, because what they're doing is they're re-deploying money from a place that wasn't adding value to their life to a place that is.

32:15And it's just a question of being like, well, is this what I, what I want my money to be for or not? And when it's not, you don't feel deprived. You feel good. So we're not talking about being frugal for its own sake, but it's just someone being like, okay, I was spending money here and it was adding a lot of worry to my life. Now I'm clear on what I want my money to be for and it's not that thing. So they spend less and then the worry is gone. So you're spending less with the worry gone and then you have more money. And then you have to decide what that more money is for. And for a lot of people, it's getting out of some debt, freeing up more cash flow that way, you know, starting to do some stuff for retirement, thinking about financial independence, things like that.

32:58So I love that. I don't have to tell people what to spend their money on, you know, like that's, it's very, it's very fun. And I love when I can get to a point where I'm like, well, what do you like to spend your money on? And then you kind of get to know the person, you know, it's, it's a, it's fun. I love that part of things. So we get things cleaned up. We make sure their money's doing what they want it to do. And that margin is found usually, but just by redeploying and they're paying off debt and just killing it. Yeah. And not making more money. Like that's another thing we haven't really talked about.

33:28Like you mentioned it a little briefly, but you know, people making over 150 grand or whatever, like we're talking about people that are making good money that if their 25 year old self saw them making that money, they'd be floored by how much they're making. And they're carrying around the same stress as the 25 year old, maybe even more because the 25 year old was still probably a little clueless and naive. So they're just carrying this stress and making so much like more money does not solve a money spend, a lack of, of skill around money spending. Exactly. It's the, it's the area that I think you can do a tremendous amount with the money that you already currently are earning and the money that you already have is what we say all the time.

34:06And I think that's where for many people, once you learn this skill, you're going to realize pretty quickly that the, the, this is freeing. I think the resistance for a lot of people is like, ah, this is going to be so restrictive. How am I going to do this? No, it's actually freeing because all of a sudden now you're taking your dollars and you're identifying those priorities and you're spending more on the things that you love. And this transformed, you know, my life when I was starting to do this. When then all of a sudden I realized, oh, this isn't restrictive. This is actually putting the dollars towards what I want.

34:33I'm not just taking random trips to Target and just throwing things in the cart and, you know, just walking out with the checkout and have a$200 bill. All of a sudden I didn't plan for. No, I'm being intentional about this. And that's where that's where all of this comes into play. Yeah, it really is. I mean, you hit it with being intentional. That's the whole that's the crux of it. Exactly. That's the that's the best thing about this. And one of the things that I love that you talk about, too, is you talk about, you know, identifying some of this money as you start to get through some of these goals and start to accomplish some of these things, but making sure you have some money for you and having a way for you to identify some of the things that you really want to do out of life.

35:10And I remember a long time ago, you had an episode that you were talking about going through and you were saving for something. I can't remember exactly what it was, but you were saving for something and you're like, I just started to put like 20, 30,$40 a month towards this specific thing. And I think it was a bigger ticket item. It was like a, uh, something that was out there and you started to just save small amounts of money. And it seemed like it was so far away and it was something that it almost felt silly to save this amount of money. But then all of a sudden over the course of the next couple of years, you went back and looked and it was one of those things that you had the full amount there and it was just there.

35:42And I think that is really, really powerful for a lot of people to think about. Maybe someone right now, they've got their debt paid off or they've got their goals achieved and they want to buy a boat, for example, and they want to go out and buy the brandy boat. It's just setting aside a little bit of money now, even if it's 50 bucks, 100 bucks, if it feels silly to you, I think it's still worth doing no matter how small the amount of money is. Can you kind of talk about people kind of identifying what they want to do with their money and how they can kind of spend a little more on themselves, especially those who maybe are not used to spending on themselves?

36:11Yeah, it's a it's a trick. Sometimes like we we maybe been raised just to think that spending is, you know, only spend on needs. You mentioned the word needs early on and, you know, people only spend on needs and maybe a little bit on wants. I don't even like the distinction of needs versus wants. I just call them all wants. Like I want electricity. I want shelter, you know, badly. Right. Um, and so like, we don't need to have any kind of arbitrary distinction that we have where we have to quibble at need, want, need, all wants, we just want it all. Um, and so then it just comes down to, well, what do you want?

36:44And it's interesting to think through when people have a hard time spending on themselves. I just think they need to do the exercise of asking themselves what really lights them up. Like sometimes it takes, it's worth elevating money in their mind and showing them what they're trading to get money. They're really, and the book goes into this in the year in the first half. Like I say first half, it's a short book, everybody. Like I purposely kept it tight. Uh, we self-published it. We didn't have to hit any arbitrary limit. I'm really, really happy with the length. Um, so first half of a very approachable book, but we talk about how money is you.

37:22not that your value is tied to how much money you have of course not but when you look at what you give to get money you give of your time your your knowledge your know-how your network like how you were raised all the stories everything kind of rolls up where it's you and you offer yourself to the market and provide some service or value and you get money in return so sometimes when someone's having a hard time spending money on themselves, I will take that tack where I'll say, well, listen, look what you give up for this resource. Time away from family, you know, like 40 hours of your week, if you're lucky, right?

38:05If you're normal, it's more like 50, 60 and look like, look at everything you give up for it. Sometimes we give up our health for it. Sometimes we're like, I can't, I can't exercise because of my job. I can't eat right because of my job. I mean, on and on and on. I can't do these hobbies because of my job. So look at what you sacrifice for it. And then just when you look at how much of you, you give for the thing, you can then turn around and say, well, isn't it okay and totally appropriate and maybe even beautifully symmetrical if I also had some of me on the spending side, right? Like there's this lights me up.

38:43And that's an introspective exercise for people. Like that's them really having to think deeply, like put away the social media, stop scrolling, get out a pencil and paper and like laundry list. Like what would light me up doing my money in this way? What would like, what could I spend on? What could I buy? Um, what, how could I give it, deploy it, name your verb, but what is my money for that lights me up and uh and then tell me about it because i love hearing those stories those are the most interesting stories when people have figured that out i agree and i think it's just so fun to start to do that and to start to save up money in small amounts and really just see the the growth over time and if you automate this like you don't even have to think about it it just kind of goes into whatever you know whatever structure you have whatever account and you can automatically save for some of this stuff and it's it's very very simple.

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41:42And with PolicyGenius, you can find 20-year life insurance policies starting at just$276 a year for$1 million of coverage. Head to PolicyGenius.com to compare life insurance quotes from top companies and see how much you can save. That's PolicyGenius.com. now i think one of uh one of the cool things about your story is how good that you and your wife are at kind of communicating about money and how how good you are at like having these conversations about money and you know i've noticed that like just from your content and some of the stuff that you've talked about in the past where you guys really do have these conversations that that go deep when it comes to to money what does a good money conversation have you guys have like a routine of how you talk about money or is it just as things comes up and what does that look like in your relationship to, for people who are listening or trying to figure this out with a partner?

42:32It's pretty ad hoc. Honestly, I'm the budget guy. Like I'm the guy in YNAB, you know, I mean, obviously we're using our software. And Julie is not in it. Like we tried one time for one of my annual experiments. She agreed to this. And I was like, okay, Julie will run the budget. You know, she'll run YNAB. It did not work very well. Like it's just not her thing. So many other things are totally her thing and she kills it, but it just, it's never been her thing. Um, so we're at peace with the fact that I'm totally in the app and, and I have to do things like, Hey, Julie, there was a$60 Venmo, you know, what was that?

43:12And she's like, it was horseback lessons. Remember? And I'm like, Oh yeah, that's right. 60 bucks every time is usually horseback. So in that way, this, like the division of responsibilities, it works well. I'm in the app and she can tell me if, when I have questions, you know, she'll be like, oh, it was this or that. The cool thing is she never feels attacked when I'm like, hey, what was that 60 bucks? She doesn't feel like I'm coming down on her. Cause that's after years of knowing what our money's for. We don't live paycheck to paycheck. The stress isn't there. It's really just a benign question.

43:44Um, now if you were to ask Julie, well, what are your goals for your money? She would know. Um, we're in the process of building a new home. We've been in that process for forever. It feels like we're on the home stretch. And so she knows like, oh, our money primarily, we're just funding that, you know, like there's not a lot else, but, um, then she'd say, well, where else do you like to spend money for the family where it's important? And she would tell you travel. Absolutely. Um, You know, nothing crazy, spring break, fall break. We just, whenever the schools will let us leave, you know, that kind of thing.

44:17So our big goals were just totally clear. Now, I've been in the business the whole time and we raised, we've raised, I mean, we aren't done raising some of them, but we've raised seven kids. And so she's never worked out of the home since the first one arrived. And that's just been always what we've, how we've chosen to divide things. So she runs the house like a champ. And that's allowed me to just come to work, kill it at work, hopefully, and then come home and the house is running great. So if you were to ask me, what shoe size is your six? I have no idea. I don't even know. I have no clue.

44:55So we have very much division of responsibilities. As it relates to money, I find it extremely important that she is very well-versed on the business. The finances, it's not complex, but I'll just say it frankly. If I were to die, I don't want her to be sad and also have this horrible financial black box where she's like, okay, Jesse for 20 years just kind of did his thing. never, not dishonestly, nothing hidden, right? But just not clear, not like not easily conveyed. So I'm very, very keen on, well, I'll tell people I, we, I do this thing called the green box. That's like, that's a phrase that we use.

45:41I learned it from a guy 15 years ago. And Julie knows in our, in our password vault, if I were to die, she would just type in green box and it's just everything she needs to start figuring stuff out and making sure she knows what's going on. So that was a long answer to your question, Andrew, but it's super important. I wanted to hit on two things. One, it's totally cool and appropriate and fine for a major division of responsibilities. But at some point you got to make sure that you are, you both know the direction you're headed, you head that direction. And if there is someone that's heavier in one arena, know, like I am with the finances, it's super important.

46:20Just like literally for just the worst of worst things to happen. Super important that she doesn't have that massive burden to carry as well as, you know, the grieving and all that. So that was a lot for people, but green box, you can probably Google it and find someone's written up about it. It's not like, it's not my idea. I love that. Google that and just like, you know, just get your things tidy. It'll take you three hours to tidy things up. And yeah. And I think that's perfect in terms of like how, I think a lot of households are like that, where they are trying to, there's a division of someone's usually the budget or they're on top of a lot of times.

46:57Hand the bills or whatever. The family CFO, exactly. And so a lot of times that can happen. I can tell you the wrong way to do this because the way I started was the absolute wrong way where I finally was like, okay, I put everything into YNAB and I had it all structured. And immediately what I did was I took YNAB and I ran over to my wife, who I didn't even talk about this to yet. And I said, we are spending way too much in all these different areas. And I'm showing her the computer and kind of going through this whole category thing. And then all of a sudden, she had this like resistance immediately.

47:24Whereas then I stepped back and I thought about it, I reframed it. And I said, actually, you know what? Let's talk about our goals and what we want to do and the ultimate, the destination, where we're going. And this reframe kind of transformed for her as well. So for anybody out there who has like got someone, you know, who they are, you know, married to, they're in a relationship to who is not on board. This is the way I did it. I looked at kind of looking at our why and the reason where we're going and that we want to pursue financial freedom. We want to do these different things. We want to travel the world.

47:52And that was what allowed the shift to happen in my household. So don't do what I did and kind of throw a spreadsheet in someone's face. I've done that. I've done that before. I'm like, oh my gosh, groceries. Why do we spend so much in groceries? And finally, like literally a decade in, I'm like, okay, we're just gonna put more money in groceries. Like that's what we're doing. And until I start grocery shopping and cooking and managing it and like pulling my, like pulling my weight there. I need to just accept this is how Julie's going to run it. And I did. And then I was like, oh, we're, we're good.

48:19You know, it's, that's, that's the reality. Exactly. Yeah. The reluctant spouse, um, reframing them where you have them, where you're like, we're going to work toward this goal. This is what our money is for being really strong there versus of not avoiding, but it's less about our money is not for this, this, this, and this, and more just this is what our money is for in this positive framing tends to go a pretty long ways. Absolutely. And I think that's the thing that I saw immediately where the shifts happen for our family. Now she's probably more on board than even I am at times now where she spends less than I do.

48:54So I love it. And that's been one of the coolest things. Now, you've also, you just mentioned it, you've raised a big family. Are there things that you are doing when it comes to your kids to teach them these principles? And are you building any kind of wealth building accounts or are you having them kind of figured out on their own? Or how are you thinking about that? Yeah, we've told them and we've pretended like, they won't listen to this episode so I can say this, you know, but we're like, we just tell them like you save half your money. We just made it sound like it's the most obvious thing in the world.

49:22So they all think that that's like the most normal thing to do, just save half of it. And the half is for like college, a church mission, basically once they're out of the house, you know, and then the other half, they, they tithe on it on the whole amount, and then they save half, spend half. And so that's just been kind of like, you just do that. And they've accepted it as truth and that's worked out. I will say when they're eight is when I actually will give them a YNAB account or I use my same account because I I think WineEye lets you do, I think we allow like up to five, maybe different users all under one account.

50:04So you don't have to like have multiple subscriptions, just one subscription. But you, so I, when they're eight, I put them on there and then we'll figure out how much money they have. It's usually in a little separate account and we start to, I show them how to set up categories and every first Sunday of the month, I'll sit down with them and we'll reconcile their account. They've spent almost nothing, you know, and we'll just get them all square again and then we'll assign new money. They work for the business. Sometimes they do mundane things. You know, I try and find work for them to do where they actually get a paycheck from the company.

50:42And they, so they do work like that, getting mail, you know, you can imagine the kind of little kid stuff that you can give them to do. They used to clean the office and things. Well, they still do sometimes. Um, when they're like 13, 14, they can start to run wide up on their own and then they'll inevitably like break it or get it out of balance or something. And they'll come to me and we'll, we'll figure it out. So it's pretty hands-on for the first, you know, when they're little. Um, and that's worked really well. Like my favorite thing is when my kids will say things like, I can't go to the movies because I don't have money for movies, but they've got like thousands in their account.

51:16Like they've got money, like they're, they have one account for their savings for their spending. It's all like that 50 % savings is just sitting in the account still. They only see it in YNAB as here's my savings. And they act like it's as gone as gone could be. And that's, that is the ultimate. That's what I want is where they're like, that's not it. They look at their movie category and they see nothing's in there and they're like, oh, I don't have any money. I love when that happens. All that to say though, the most important thing, most important is that they see their parents talking about money positively, spending intentionally, saying why you say no, like, can I have this?

51:57No, because we're going to use our money for this. And don't just say, we don't use our money for that. Say what you use your money for, right? Like it's an, it's a trade-off, tell them the full trade. But, and then seeing you talk to your spouse, seeing, you know, mom or dad, seeing mom and dad talk in that way that's, um, positive about money, what you want money to do. Um, yeah. When you go on some cool vacation, tell them like, guys, we saved up for 18 months for this vacation. This is going to be so fricking fun. You know, like this will be so fun and let them know, like, this is one of the reasons this is so fun is because mom and dad have, have worked on this for 18 months.

52:38You know, we set aside$1 ,100 every month for 18 months. That'd be a sweet vacation. And, and then they'd be like mind blown. One is cause$1 ,100 is a ton of money for a kid. And two, because they're like, wow, I can't believe how easy it is to spend that much money. And it kind of starts to put prices on things, but also you show them like, this is how you win, you know, like deferred gratification, the whole thing. So it's, it's so much them observing and you just having it be positive because you're good at money and then they see you good at it and they'll follow along. and sometimes they'll spend it on the funniest things and you're like oh man i wish i really wish you wouldn't buy that it's such a waste but you got to stay quiet because they got to figure it out on their own that leads me into exactly what i was about to ask you which is have you noticed that some of your kids have different personalities when it comes to the way they spend like let me give an example i have three kids and my oldest is eight so they're still young but my oldest will not even spend a single dime he hoards every single every single dollar that he has come in.

53:40He goes and he will not spend a single dollar. He waits till his birthday to buy anything. And he wants us to buy it for him during, you know, as a present, that type of thing. My middle son, I gave them, for example, we went on vacation just recently to the Bahamas and I gave him each of them like$25 to go spend at the arcade. So they go to the arcade. My middle son is on the claw thing and just spending it in 20 seconds, like spending the entire money whatsoever. And then my youngest is still too young. She's only one and a half. But like, have you noticed that? And how do you, do you actually kind of guide them in different ways when you see those personalities come out?

54:09I've tried. Like I had one that was a spender. It was like, if the money was there, his task was to figure out what to buy. Like, and I try as I might. I'd be like, don't you want to save up for something? Nope. If I have money, I want to spend it. He's my oldest. And now he worked all summer, saved up. He's in college and stuff. And he's, and I was like, how, you know, you got to, you know, all that summer money. He's like, yeah, I'm budgeted out through April. so he picked it up along the way you know um but yeah at the time I was like oh my gosh this kid it's like it's burning a hole in his pocket and then I have like my I have to like do so much math to figure it out my fifth she uh she like just loves how much money she has like the number itself is meaningful so you have to be like do you want to buy anything but she just likes that she has more than her older brother so you know we'll just take it see where that goes um Um, yeah, they all come so different and you think like you figured out the parenting thing and then the next one comes and you're like, oh my gosh, no, we didn't.

55:12This is totally new. Um, yeah, they all have different personalities with it. And, um, I'm, you know, controlling and OCD and all these things. So I have to really, um, I have to be a cheerleader, not a coach. A lot of the time to be like, you got this, you'll figure it out. And instead of being like, hey, if you would just blah, blah, blah. It's like, no, no, just, hey, man, you got this. You'll figure it out. I think that's great. And I think that's one of the things that, you know, as time goes on, as they get older, my goal is to just continue to implement those lessons, talk through money, elaborate on some of the things just like you talked about.

55:47And I think that's going to be really, really powerful. Well, Jesse, thank you so much for coming on here. This is absolutely amazing. Where can people find out more about you, the book and everything else? Yeah. So the, I mean, YNAB.com, if you're interested in the software, the book is never worry about money again.com. And I'll just tell people go to the website because we we're having with this new age of AI, so many pirated versions. Like I have, there was a copy of an audio book. Like we haven't released our audio book yet. I have recorded it. And there was an audio book released of our book of my fake AI voice that I'll be honest, didn't sound, it sounded a little bit like me, but it wasn't me.

56:25And, uh, that kind of stuff's happening now. So never worry about money again.com, make sure you go there and don't get some pirated, you know, fake version. Um, and it's a quick read. I wanted people to accidentally read it in an hour. I really wanted it to not just be this tome, you know, like the message is simple, not easy work, but it's a simple message. People really can do it. I mean, at the end of the day, if people more and more people know what their money truly is for, I think, uh, I think I will have, I will have led a good life leading people in that direction. Be very content with that.

57:01Absolutely. And again, I read it in just about an hour. It is an easy read. So I highly recommend every single person take a look. We'll have it linked up down in the show notes below so that you guys can check it out. Well, Jesse, thank you so much again. And for all the good that you've done in this world when it comes to money, I truly appreciate you coming on here and loved this conversation. Thanks for having me, Andrew. With summer coming to an end, you're going to be spending more time indoors. Get your home ready and save up to 50 % off custom window treatments during the Labor Day Mega Sale at Blinds.com.

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