Speaker A: Welcome to Sharing My Truth with Mel and Susie. The uncensored version where we bear it all.

Speaker B: We do.

Speaker A: And hello everyone and welcome back to Sharing My Truth pod. We are so excited to chat with you guys today. We just had an awesome little interview with an amazing woman called Hannah Beer. She's an American German. She lives in Germany, but she has some incredible money advice for mostly and especially for women. Those are who her clients are. She's like a money coach. She was very sure. I think she had really great opinions on things. And although like maybe you'll agree with her or disagree with her or you have your own opinions or questions about money in general because it's obviously very different for every single person who. Because everyone has different situations with money. But she had some really great takes. Hey babes.

Speaker B: Hello darling.

Speaker C: How are you?

Speaker B: I'm good, I'm fine, thank you.

Speaker A: And I think Mel obviously has been having to deal with money for a little bit longer than I have. But you know, I think stuff like real estate and credit cards and you know, just shopping in general, those are the things that I think women and just everybody are dealing with on a day to day basis. And like how do we get around of the things that we are needing in this necessities and like versus the stuff that we actually maybe don't need but we want to purchase anyways. Like that's a very fine balance.

Speaker B: Yeah, I think she did make some good points about how do you get around the noise? Like there's a lot of noise, particularly today because of the so many things coming at you, social media, et cetera, saying you need to wear this kind of clothing for this kind of season. You should be driving this car, you should be living in this house, you'd be cooking in this kitchen, blah, blah, blah, blah, blah. And on it goes. And it's quite pressurey and I think you have to be quite a strong personality to not get wrapped up in that. And I do think there's an element of this, of, you know, the older you get, not all people, but some people just go, well, this is what I like and this is what I don't like. And they sort of don't really, they're not that bothered about other people's opinions. And I think we talk to her because she coaches women and I think and we've talked a lot in the last couple of episodes about single men and single women and how women's, you know, sort of relationship with marriage and children and being single and whatever is changing and what that's doing to men and all the rest of it. But we've not really talked about finances that, you know, women are more financially independent perhaps, or getting more so, but they're still generally not very good with money. And we found this, you know, ourselves, I think was in our personal lives, people we know. And I'm, I think it's, I mean, I know a variety of different people are good with money, women who are good money, not good with money. What I mean by that is I think for some reason men are more confident about investing and stuff like that.

Speaker A: Absolutely.

Speaker B: I think that's a huge generalization though because I know like some of my friends, for example, who are really good. I can think of one friend who's really good at investing in real estate, made lots of money doing that. I. But I think there is still some stigma around it.

Speaker C: I think so too.

Speaker A: And I think it's because for a lot of us and not saying that everyone, like my mother is also very good with money, she's not very risky, but you know, there's the give and take with that. Right? But a lot of women I find are like yourself, learn from their father or they didn't learn at all because their father didn't want to teach them. Or maybe their father figure wasn't there enough or maybe just because their mother didn't know, doesn't know about money, right? And like, so it's like, well, where are we gonna find these solutions about our money problems if we can't figure it out ourselves? And like, do we go to a bank? The bank is confusing. There's so much like stigma and there's like shame with money because we don't actually have the any answers to the questions. And everyone says something different, right? Like how can you invest in real estate if you can't afford it, right? Like how can you grow your income if you, you know, you're kind of in a dead end job? Or like how do you invest? Like do you use wealth Simple? Do you go to the bank? Like what do you do? Right. So it's very interesting to me and I think I would love to have for our audience whoever has questions after this, like you guys can ask us on our insta or go to our website and you want to go to sharing my truth.com and you know, send us an email or give us a voicemail of like your own money questions and maybe we'll have Hannah back and she can answer them specifically or we can just go through them together and have another money manager who Maybe has some more local opinions about it too.

Speaker B: Yeah, I think that's great. I think that's a very good plan, Susan. Ladies do it.

Speaker A: And gents even. But yeah. So guys, here's the interview. Let us know what you think. Go to sharemytruth.com or you can go to Sharing My Truth on our instas Share My Truth Pod and we will talk to you soon.

Speaker B: Yeah. Enjoy the interview.

Speaker C: Thank you.

Speaker A: And hello. Hello, Hannah. Thank you so much for joining us today on Sharing My Truth Pod. It is such a. An honor to have you here. I know you're all the way in Germany. Is that correct?

Speaker C: That's right. I'm so excited to be here. It's taken us months to schedule this and I'm just, I've been so excited to finally get to meet you. So today feels like Christmas for me.

Speaker A: That is so sweet. Oh, my gosh. Well, I'm actually so excited to talk to you because I'm a girl who believes in girl math and not actual money math. So this is going to be super helpful for me and I'm sure most our audience as well. So, yeah, I'm just super excited that you are available and here to chat with us today. So thank you. I want to get started just by you introducing yourself, telling our audience just who you are, where they can find you on the socials and maybe just a quick intro on your incredible book as well.

Speaker C: Absolutely. So my name is Hannah. I'm half American, half German, currently live in the south of Germany. I'm a money coach. So I help ambitious women heal their relationship with money, make oodles and oodles of money, and really live in a world of financial overflow. I also wrote a book, it's called wealth from Within. You can find it on Amazon and you can find me on Instagram at Hannah. Money Bliss.

Speaker B: Perfect.

Speaker A: Perfect. I love it. Well, our. I think a lot of women today, like myself, are very confused and conflicted about money. And I'm sure you know all about that. And I think a lot of it starts from just the idea of you need all of these things, all of these wants that aren't really necessary for your, you know, like, actually like investing in yourself. There's a difference between investing in yourself and investing in your future. So maybe if we can start with like a little bit of talking about, like, why is it so hard for women to, you know, make that initial leap into actually, like investing in their, like, wealth for the future.

Speaker C: Yeah, it's. I love that you started out by saying that money is such a complicated thing for pretty much all of us because it's so fascinating to me that it is kind of the thing that we hardly ever talk about, right? We see all these amazing successful people and there are all these things to buy and we know we should be really wealthy, but hardly anybody really knows the path to get there. And most of us live with a really complicated relationship with money. In my own life, it showed up as anytime that I engaged with money, whether it was paying a bill or going to the atm, or even just thinking about my finances, just felt like I was being punched in the gut. And it felt so embarrassing to me because I thought to myself, you know, like, I've been to university, like, I have a really good life, I've got great friends, like I'm very fit, like I can make **** happen. But why is money always kind of the last thing that just doesn't make me feel good? And it feels like so many of us feel similarly where we can't even put our finger on why money is just the thing that makes us want to throw up. Like money is the thing that no matter how many books we read and how much, you know, we think about it, we never really get to a place where it feels good.

Speaker A: And so how did you get to this place of like, you know, that you know now of how to kind of create that investment in yourself and within money wise? Because I'm very similar to where you saying your previous self was, where it's like I open my bank account and whether I do have actual money in there that I know because I just got paid or whatever happened, I'm still terrified of opening up my account for whatever reason. So how do you get to that place of like financial freedom in quotations?

Speaker C: Yeah. So my story starts, I guess in my early 20s. I went to school to study international fashion management because I didn't know what else to do with myself. And then as I was in university, I learned all of these emotional healing techniques. And I then started a business as a life coach and emotional healing expert. And through that business I cleared up a lot of my own trauma, a lot of my own emotional baggage. And then from there I started, you know, my business really started taking off and it started doing very well financially. And I had this aha moment where I, my, my savings hit 17,500. I was living in Amsterdam at the time. So was €17500 the very first time in my life. And it felt like this gigantic wave of relief just washed through my Body. Like, it felt like for the first time, I could breathe, you know, then knowing that I didn't have to, you know, assign a client tomorrow or worry about rent next month, like, I could take time off just to focus on myself if I wanted to. If I wanted to go on vacation, I could do that. Like, I could eat out and not be completely hyperventilating on the inside and trying to play cool on the outside. And so if you've been following me on Instagram, you may have heard me talk about, you know, it's like a little joke that I sometimes, you know, talk about. It's that money is my favorite antidepressant. And that was the thing that I discovered in that moment of just how good it feels to have this overflow of money. And I'm not a very materialistic person, especially in Germany. Like, nobody cares about designer handbags or anything here. It doesn't really enhance people's status to be showing off their wealth. Before living in Germany, I lived in London. It's very different there, you know, but.

Speaker B: In Germany, I'm from London, so I.

Speaker C: Know, you know, right? People in London, they love to show what they've got, and it's not that way in Germany at all. And I think that's really freeing. You know, I love that I can walk down the street and nobody knows how I'm doing financially. It's just for my own enjoyment. And so I really started setting this goal of I want to find true peace and happiness with money. I want it, you know, because there are always these. Like, every one of us, we always have this area of our lives where things are going amazingly and it's so second nature to us that we don't even really notice that, you know, maybe somebody's amazing at parenting or somebody's amazing with their body, where they look, you know, so hot and they eat whatever they want and they don't even really work out. It makes no sense at all. But they've just kind of cracked the magic code in that area of their lives. And I thought to myself, if money is the thing that I'm going to have to interact with for the rest of my life, I wanted to feel that good. I wanted to be that effortless. I want to be that amazing at money that it's like, I've got 99 problems, but money is the easiest, most flowing aspect of my life. And so this question kind of then led me on a personal journey of really wanting to be blissfully happy with money. And that's what I Now teach my clients. But I've had many discoveries along the way.

Speaker B: And your clients, is it mostly you're helping them with, like, a business, personal, or the whole kind of spectrum?

Speaker C: The whole spectrum. So first and foremost, you know, this is where I started. I'm an emotional healing expert, and so I love helping my clients heal their relationship with money from the inside out. So we clear away any confidence wobbles you have around money, any places where you don't really trust that you can make wise financial choices anywhere you don't even have a clear picture of what you want, and anywhere you're not even making a plan. So all of our internal baggage that we carry with money, we really work through that and make sure that you've got a healthy, thriving relationship with money that ensures that no matter what's going on in the economy and whatever's going on in your life, that you've got a powerful skill set that you can trust in that's going to get you through the different seasons of your life as an adult on planet Earth. And then I also teach money and business best practices. You can think of those as, like, recipes. You know, they're just best practices. Like, what do I do? Because most many of us, we just don't, don't know, like, where do I put my money? What do I invest in? Like, one person says ETFs, the other person says real estate age. Should I rent? Should I own a house? Should I run a business? Should I work for a company? Like, right, there's all these questions. If I'm in business, how many hours a day should I work? What should I offer? What should I name it? What should I price it? And so I've got these recipes. It's like best practices, both business finances and also personal finances that I've found over the course of the years that I teach as well. And so if you're completely new with this money stuff, and you may even be somehow convinced that you're bad at it, just think of it as baking. Like, making money is kind of like baking. Even if you've never made chocolate chip cookies before, if we give you a recipe and the ingredients, you can make chocolate chip cookies. And so that's kind of, you know, how my work works. So we give you the recipes and then we clear out all your stuff and make sure that you've got a really powerful, positive relationship with money.

Speaker B: It's, I think it's very interesting what you say. And I, I want to kind of really delve in, to understand if you think it's. It's really women who are particularly bad with their relationship with money. Is it a generational thing, I ask you? It's generational because, you know, I'm 51, Susie is 29, and, well, Mel definitely.

Speaker A: Has a better relationship with money than I do.

Speaker B: I have a very. I have a very good relationship with money. And so I ask you about the female thing because one of the reasons I have a very good relationship with money is my father taught me from a very young age, again, a man, that I have to get out there and I have to work. I can never rely on a man. You have to be self sufficient. He made. I bought my first property when I was 23. I set up all my pensions, investments, all that stuff when I was that age. And it largely came from him. And bizarrely, I wouldn't say he's very good with money, but he made me be good with money and I became very self sufficient at a very young age and started on that trajectory and sort of on it went. So I'm interested to know, you know, do you think it's particularly male, female, because you deal with mostly females. Is it a generational thing? Because I assume you're millennial, right? Yeah, millennial, yeah. So, yeah. What is your. What have you kind of witnessed? What do you think?

Speaker C: Yeah, I'm personally most passionate about helping women become amazing with money because for me, it's a matter of power. You know, it's about women becoming comfortable with being powerful, with having influence, with having agencies, agency over their own lives. That's like my hidden feminist agenda with all of this is that I love it when women really discovered how good it feels to be powerful and the fact that it's safe to be powerful. And so, historically speaking, at least in the last, you know, let's say, you know, 2000, 3000 years, you know, women have been, you know, robbed of their power, you know, not used their power, been restricted in their power in some, in some way. And so I think for many of us, it just feels really uncomfortable to have that much freedom and that much security and that much fun and, you know, you can buy everything that you want and then still have a bunch left over. You can be seen and love for who you are. You can get paid for doing what you love. You know, that's often I feel like for many women, especially for me, when I first started out, this felt too good to be true. And being that powerful felt so weird because I didn't know any women in my life. Were truly in their power in that sense of the word. Whereas men from an early age, like, you know, they're being taught that the world is their oyster and that being powerful is, you know, their birthright. And so our socialization is slightly different.

Speaker B: Yeah, I mean, I would agree with all of that. And I mean, I, you know, just telling you my story, when I was 23 and doing all these things, all my friends, I thought I was completely nuts. They're like, who cares about a pension? Who cares about buying an apartment? Just relax. I'm like, no, I can't relax because the time will. Will go. Right. But it does come from somewhere. You got to, as I'm saying, either somebody's taught you, somebody's raised you, somebody your relationship with. Money does come from somewhere, doesn't it?

Speaker C: Absolutely it does. Yeah.

Speaker B: Yeah.

Speaker A: Well, yeah, my. My mom always said, and I, like, I love what you said here. It's like, money is power. That's what she always said to me, too. And so. But there's something else my mother gave me, which was a shopping addiction. And so. And it's like, that's something obviously that I've had to live with, where it's like, buying things makes me feel good. And I think a lot of other women have this within themselves, which is like a very real thing. And we love to shop. And I mean, you're gorgeous, obviously. So, like, I don't know if this is natural beauty or you get your hair done, you get your. You get your eyebrows done. Like, there are things that women have to, like, in quotations, have to buy, because we live in a society that makes us look. Have to look pretty. Like all these things that, like.

Speaker C: Right.

Speaker A: You know, we have to buy all these things that make us feel better about ourselves and like, that, you know, I mean, in here. We're here in Toronto, where it's more of a city, so it's sort of like London. You want to buy designer stuff, you want to kind of treat yourself to that kind of thing. Competitive, very competitive, and you want to look your best. So what do you say to the women who, like, are like, well, I absolutely want to be financially free in that, but I also can't give up, you know, my necessities in quotes, like, of, like getting my makeup, getting my hair done. Like, all of these things that we can't give up. We want to be even successful in the society.

Speaker C: I love what you just touched on, because it's so true. Like, a man can look like warm cottage cheese, roll out of Bed in the morning and be so successful. Right?

Speaker A: Yeah.

Speaker C: They can have like the personality of like, I don't know, a block of cheese and they can. No, seriously, seriously be respected. Like, we have to look the part and that takes care.

Speaker A: Yes, exactly. Especially in cities.

Speaker B: He needs a lot of stuff. Like my husband gets in the shower and he literally has one bottle of head and shoulders that quite frankly, I think you can wash the toilet bowl with so many chemicals in. And then he's got some other thing that costs him like $5 and a deodorant stick and he travels.

Speaker A: It's never going to be us.

Speaker B: He travels, he has a deodorant stick and he come and he looks fine and it's just like. And there I am with all my products. I mean, I probably take it a bit far, but whatever, I like it. And we've got to have our thing. But it's still. I can't look like he does getting out the shower and it doesn't work.

Speaker A: Well, how do we still have our things? Like, do we just like maybe write the necessities that maybe we need? So, like we need a mascara. We do, you know what I mean? And then like, yeah, get those things and then we can splurge on one thing a month. Or like, what is it that you tell your clients of? Like, how to kind of, you can still have what you want, but there are things you need to cut. Like, is there something specific that you tell your clients, ladies?

Speaker C: Absolutely not. Because there are trillions and trillions and trillions of dollars floating around planet Earth right now. Like, try and Google what it means and then you will still not comprehend it. Like, there is no way for the human brain to comprehend, you know, the trillions of money that are floating around the planet right now. And even if you were to ask for a salary of a million a day, that is still a tiny, tiny, tiny, tiny, tiny, tiny, tiny amount of, you know, from the money that is circulating all the time. So you have access to infinite money, infinite money making opportunities all the time, you know, so you can generate as much money as you would like and buy pretty much whatever you want. We just. My personal approach is just that, like, I want to take excellent care of my body. Like, I want to look like myself and feel amazing because it brings me joy, it brings me happiness. I love it when I present myself to the world in a way that feels congruent. When I feel, when I look energetic, when I look as energetic and as glowing and as healthy as I really feel, you know, so no shame in taking excellent care of your body. You know, it's like, we have only one car that gets us through our entire lifetime. Why wouldn't you do take excellent care of that car? Why wouldn't you completely and totally shower with love and anything that it needs, you know, just do that with, like, gusto and passion and love it and, you know, just blow all the money on yourself and really learn to be an amazing money maker so that the money that you do blow on yourself is peanuts, you know, because there is so much money going around, why wouldn't you help yourself however much feels wonderful for you?

Speaker B: Yeah. I mean, this feels like my mantra.

Speaker A: Yeah. Seriously.

Speaker B: But I. I think the other thing I would say is the more money you make, or certainly I've found the more money you make, you have children, the more money you almost. You need to spend. Like you go up a ladder. It is a ladder. But I know, I mean, that is very true. And I. That. That you can have, you know, enjoy the simple pleasures. I do think, though, that. And this. I hate to sound like, you know, the old lady here, but it does. The older you get, the less you care about stuff, the more. Well, certainly I've felt the more I do what I want to do, and I'm less interested in what people think about me. I mean, I do like nice handbags and products and whatever, but I like them. So, you know, but I do still find you can have pleasure in simple things. But I think particularly with social media and the world we live in, there's a lot of pressure for particularly young women to look a certain way, which is totally unattainable because it's all garbage in the first place. Nobody actually looks like that, you know, to dress this way to, you know, how many videos are there about what's in season and what boots I should buy and what.

Speaker A: Yeah, I mean, there's so many, like, tricks that people use to get you to spend your money on things you don't actually need. So how is. How can you actually, like, be like, make sure you're focused on, like, your actual money goals? Like, is there some kind of a recipe that you have that, like, makes it so that you are focused on your actual money goals and you don't need a lot of this ****. Right? Like, we don't. We want to spend our money on things we actually want and need that will actually last us. But, you know, is there something that, like, if a woman's having a trouble actually, like, not, like, spending money on things that they don't need. Like, what is. What is the solution?

Speaker C: I know it's really hard to maintain a strong sense of self in such a consumerist world that constantly tries to tell you you're not enough and what you need to be buying in order to be enough. It's like the carrot is constantly being dangled and nobody's ever really arriving. And that's the. That's the thing that really rubbed me the wrong way when I first really, you know, shifted into money coaching was that the messages that I saw around me were always about, make more money, make more money, make more money, make more money. But it's like this endless race to where. Like, where are we even going? And then I realized that so many of us, like, we don't even have this clear picture of what our ideal financial reality would look like. Like, we haven't even really decided. You know, who am I, how do I want to live? Like, where do I want to be in my life and with my clients when we. When we really get so clear on what would fit them? I always tell them, like, if you're a frog, you belong in a pond. If you're a giraffe, you belong in a savannah. You live in the world that tells you that you should be an elephant or you should be living in the jungle. Like, we really need to make sure that we know how you're wired and that we know what money goals kind of fit you. I'm quite sensitive, so I'm clairvoyant. I see energy, and with my clients, I always love to kind of figure out what I call their sole money goals, like the perfect income number and the perfect savings number and the perfect net worth number so that they have a really clear, clear picture of what they're working toward so that they can stay really focused on that and not be so distracted by the noise. And then money is an amazing opportunity to really work on that sense of self, to really discover ourselves and discover what makes us feel good. You know, for me, I learned that I love having money. You know, I don't love needing to get more money. I love having money. You know, in that moment where my Savings first hit 17,500 and I had this amazing, you know, healing experience, I realized, oh, you know, I really love having money. I love savings. Like, this is my favorite thing. And so it's really. It's so freeing to. To kind of discover our own soul path with money and be able to opt out of the noise.

Speaker B: Yeah. I mean, I think I saw something Interesting. The other day on, it's probably TikTok, because I scroll through TikTok, and it was one of these kind of American money guru people who said that most people in the United states, something like 73, a very high number, don't know what if they're in a couple, what their actual income is. They don't actually know what they're earning. And you sort of think about that and you're like, that's completely nuts. But actually, if you think about it, the way society is wired now, today you have a man. You know, if we're talking about a male and female couple both working full time, they've got children. I mean, there's barely time to sit down, to breathe. So all these things go to the back burner. And it seems like nuts, but they're not planning for their retirement. They have no idea. They're just getting through the day, getting through the week, getting through. And we have created that society where it's very difficult. You know, if you're going, you're working for a corporation, you're working 9 to 5, or realistically in North America, 8 till 6, 8 till 7, and then you've got children, there's barely time for your relationship, let alone anything else, which is like managing your finances and whatever, you just kind of fumble through. And I think a lot of people do that. They just fumble on because, A, they don't want to deal with it. And if they, if they talk about it, then it makes it real and that makes it scary. And the time factor, I mean, I know it sounds kind of ridiculous, but I think that's, to me, what I think a lot of people are in that space, right?

Speaker C: Absolutely. And it's such a trap because if you don't know how much money you're making and where your money is going and where your money is going to be in five years, 10 years, 15 years, 20 years, you can't plan your life. You know, if you then decide, you know, maybe we want another child, maybe want to downsize or buy a bigger home, or maybe we want to take a sabbatical, or maybe I want to work, you know, only 50% from now on, maybe I want to start my own business. It's like you don't. You. You can't plan any of this stuff because you don't even have any data to work with, you know, and for so many of us, even just looking at the numbers is so extremely confronting because somehow the numbers say you're not enough. You're not getting Paid enough, You're not doing well enough. The money is slipping through my fingers. I'm a loser, you know, that's what my money kept. When I looked at my numbers, it felt like that's what it was saying to me. And so why. Why would I want to look at that over and over and over again, you know, and so. But in a way, you know, we really trap ourselves. So often my clients are like, I really want to work less, and I want to make more money. I'm like, let's look at your numbers. And they have nothing. You know, like, they haven't looked at their numbers in so long. So we can't make a plan, and so we can't change the situation. And then we're just kind of running on, you know, running into the future by default. Like, we can't really steer our destiny, and that can be a really scary place to be.

Speaker B: Yeah.

Speaker A: So is there, like, when we talk about financial freedom, I think that's just a term that we use pretty loosely. But what do you think is financial freedom? Is it just, like, not living paycheck to paycheck or, like, what does that look like with your clients? If someone wants. Like if someone says they want to be financially free?

Speaker C: Yeah. I think the most popular definition of financial freedom is when you're able to live off of the interest of your money that is invested. You know, for example, you've got a million invested, and you get a certain amount back. You know, can you live off of that? Where you don't have to work, but your money kind of, you know, the interest that you get pays for your life. That's the most. So you're completely financial, financially free in that sense. That's the most popular definition. My definition of financial freedom is when you don't think about it anymore. I used to think about money 24 7. Like, I would be lying awake at night and be like, I don't have a plan for my future. I don't know where my next client is going to come from, what I'm going to, you know, have for lunch tomorrow. It has to be cheap. Oh, my God. Oh, my God. I'm still behind on my money goals. I feel so embarrassed. You know, friends of mine just bought their second home. How the hell are they doing it? You know, the Internet says that I should be earning a gazillion every single month. I feel like such a loser. Like, that was the internal dialogue in my head all the time. And so even when I was supposed to be hanging out with My friends and having fun and, you know, being young and sexy. Like, I was not feeling that way at all. I was just so stressed out. And then as my money started going better and better and better and better, I realized that the biggest financial freedom for me is when my money is going so well and I've got my goals set up and I know I'm achieving all of them and everything is so great that I really don't have to think about money like that to me is the greatest luxury. And even now, you know, with Grace just when she was born, I just love that I could take as much time off as I wanted. You know, I love that I could work because I wanted to, not because I had to. And I love that I could, you know, choose which clients I wanted to take on and choose what I wanted to offer and just, you know, be really present with her without there being a backstory in my mind of like, if I don't work, I won't achieve my financial goals. And so that's the emotional and mental freedom with money that I love so much.

Speaker B: But don't you think that really applies for people who work for themselves? Like, I mean, I've worked for myself now for, you know, being self employed, have my own company for, I don't know, 20 years or something. But if you're working for a corporation and have a corporate job, you, you can't do that. You can't just go, you're ruled by what they want. And you may have this kind of job or the kind of career that you can't do on your own, if you get my drift, you can't go off and set up your own thing. So then what do you do?

Speaker C: Yeah, my hot take is that all of us are entrepreneurs in my eyes. You know, whether you're selling your services to individual people, to other companies, or whether you're selling yourself to a company in exchange for a contract, you're still a business in my eyes financially, you know, you still have an income, you still have expenses, you still have a profit. You know, it's just that your client is a company that you work for and you agree to that contract in the same sense that if I, you know, sell an offer to a client, there was a contract involved and, you know, this is what we're going to deliver during our time together. So my clients, so many of my clients are entrepreneurs, many of my clients are still in corporate. And so for my corporate clients, that's always where we start, where I say, you're a business and you're in sales whether you like it or not. All of us are. And you're currently selling your services for this amount of money to that company. And so this actually, you know, this mindset shift gives us more space to really think about where do you want to be financially and what are your opportunities? Because very often people just kind of think they just really feel limited in the sense that they're an employee. But there is often a lot more leeway and possibility when we just shift our mindset into, you know, being. Being a salesperson.

Speaker B: Advocating for yourself, like, getting a better. Yeah, yeah, I mean, I would agree with that. I think women are very bad at it. I think men are much better advocating for themselves, getting pay rises, stuff like that. And women are always a bit more scared of it.

Speaker A: Very bad at asking for what they want. Because we've never wanted to rock the boat because we've been taught to kind of just do what we're told. That's like, I think what a lot of us, I think less now with Gen Z is, for whatever reason, they're coming into their power a little bit more. But I think millennials, I believe you're a millennial like me as well. So it's just, you know, we have this thing, I think, for all of us, we're like, don't rock the boat. Like, be a good girl and just listen to what you're told. So, like, how do you even change your mindset to being like, no, I should ask for what I want? This is. This is ridiculous. I, Like, I deserve. This is what I deserve, and this is how I can ask for it. Like, how do you even go about getting yourself into that mindset?

Speaker C: Yeah, there's a little game I play with my clients, and it's called, am I living from fear, or am I living from choice? Am I living from fear? Am I living from choice? And it's quite an advanced game. So my clients hyperventilate when I first give them that homework. But it really starts with beginning to choose your way through your day. So instead of saying, oh, I have to get up and have to go to work, and I have to wash my hair again, and I have to, you know, get my tires pumped up again, and whatever is on your mind, you say, I choose to get up. I choose to go to work today. I choose to work for this company. I choose to fulfill on my contract. I choose to have this conversation with my superior. I choose to not ask for a promotion. And so it really reminds us of the fact that every single moment of our lives is a choice. And so from that place, people have all these insights about, wow, I am choosing to work for this company. I could make a different choice. Or, wow, I am choosing to not, you know, put myself forward about this promotion, or I am choosing to, you know, to not use this meeting with my superior to talk about a potential bonus package or to renegotiate it. And so it's often like a re. It's. This exercise really is about looking in the mirror and really noticing all the things that you're choosing and then being able to reevaluate all the tiny choices that you're making throughout your day. And it also just brings us into this place of power. You know, saying I choose to really puts us in a place of responsibility about how our life is going. And so it's really just a tiny, you know, shift in language, right, that you're just starting every single sentence, every single thought slightly differently. But it changes lives, like, so, so quickly. And from there, you know, many people, like, they, at some point, like, the penny drops and they can't not begin to honor themselves because then they realize the reason why my life is unfolding the way it's unfolding is because of me. And at some point they get so angry. Like, I always, you know, sometimes my clients get up in the morning and they're just so pissy and angry with themselves. And I just can't help it, like, celebrate and be so happy because I know that as soon as that fire is stoked, they're finally willing to not treat themselves like a doormat anymore. You know, like, I don't even need to coach them. I don't even need to tell them what to say. Like, they rock up at work and they finally have the conversation that they know they should have had five years ago. But I love the living from choice versus living from fear, you know, game so much. And so as a summary, you ask yourself, am I living from fear or am I living from choice in this moment? And then you use. You start every single thought, every single sentence in your life with I choose to, and try it. Like, it's. It's advanced level humaning. It's so good.

Speaker A: It's amazing.

Speaker B: It's a mindset. And I think mindset is very important. It can change, you know, the way you approach things 100% if you. I was always taught to put myself to sort of be uncomfortable, to put yourself in situations where. Outside of your comfort zone. Right. And I. And I was forced at quite A young age to kind of do that and then just started doing that. And then that sounds a bit like sort of draconian, but it's like it makes you do stuff that maybe you're at your personality wouldn't have made you do, but sometimes you have to do that. You have to be confrontational. If you're not confrontational, you have to advocate for yourself. If you're not very good at it, you have to make that choice. You're actually. You're absolutely right. Yeah, yeah.

Speaker C: And a great question to ask yourself is how bad does it need to get before you do the thing that you've known all along you needed to do? Because at this point we're just wasting time, right? Like, we all know what needs to be done. You know, we're so intelligent. Like if a friend came to you and they just happen to have the exact same financial situation as you, the exact same financial problems, you can tell them exactly what to do. Like, like this. It would, you would give excellent on point advice that would be so simple and so practical, so actionable. Like it would fix their entire money issue in like a day, right? So you know what to do. But the question is just, are you willing to love yourself enough to do it and are you willing to honor your time on this planet enough to, to, to keep that promise to yourself? You know, like you said, to go through the discomfort in order to love and honor yourself in this way or are you going to wait and then what's it going to take? Like, how bad does it have to get? You know, how many more years do you have to trample all over yourself until you finally honor yourself enough to speak up?

Speaker A: Yeah, I love that. I feel like that's. I actually have done that before. I've never called it choice or fear, but like I do. Like when I'm like, because we've all been in ****** jobs before. Like I, I mean, maybe not all of us, but I think like most, most of the world has, has been through a ****** job. And like it's. You have to ask yourself and you have to get to that point of like literally, like, what more can I handle before I literally go off the walls? Or like I literally have to like just like quit in a dramatic way or like, you know, and you have to make that choice for yourself of, let's make sure that we are living for ourself instead of, you know, living for this job or like something, a situation that we actually don't want to be in. So yeah, I love I love what you said there. I want to talk a little bit about like budgets and how I think a lot of people who are trying to invest and build their financial future work within budgets. And like, I've always been really bad at budgets because if I see something I want, I likely buy it. So that's my bad. But I think you have an interesting, really opinion about budgets and I'd love for you to kind of explain that to our audience. And like, how does one even start making a budget?

Speaker C: Yeah, so I personally, I don't use a budget. I only ask myself the question, you know, does this profit me? Like, does this purchase profit me? Is it going to bring me more money? And here's where I'm a little weird. So even when I think about buying a dress or buying clothes or buying shoes, I'll think, if I buy this, am I going to make more money as a result of it? Like, is buying this like bright orange, you know, muppet looking sweater, is it going to make me feel so confident that it's going to make me more money in the long term? So I like to. So it's kind of like a spin off off of the whole, you know, only by appreciating assets, not depreciating assets. And so that's what I think about in my everyday purchases all the time. Like, is this really going to add to my life? Is it really going to, you know, make me more money in the long term? You know, it's like my skincare, the best skincare that I can have is like my clothes, are my clothes going to make me look and feel so amazing that it's going to make me more money. And so that's always kind of what I think about. And then the other piece is as your self worth, as your sense of self worth kind of increases the more your standard gets raised. And something that has happened for me is that I'm not willing to hurt myself anymore to get what I want. You know, so previously I would have had like really expensive skincare and like a 15 step routine. Now my skincare is so simple. Like I have, I use hardly anything and it's, it's insanely cheap. But I just kind of found a way for me to take excellent care of my skin without needing to hurt myself financially. And so sometimes it's also just we need to kind of question the cognitive bias of thinking that when something's more expensive, we honor ourselves more by buying it. But it's more the question of are you finding the right thing for you, Are you buying the things that really add to your life, that 20 years from now, you'll think back and you'll be like, wow, I'm so glad I use this product, or, wow, I'm so glad I bought this sweater. You know, are you going to show your grandkids that photo of that one dress that you found on the sales rack? And they can't even believe how hot you looked, you know, when you were the age that you were at the time. And so that's more what I think about when it comes to a budget. And as my standard, you know, gets higher and higher, I'll buy significantly fewer things. But the things that I buy, I keep for a much longer period of time, and they really enhance my life so significantly. And it doesn't feel restrictive at all.

Speaker B: Yeah, I mean, that sounds very admirable. I'm not sure many people do that. I don't think anybody does that. I mean, the only thing I think, like, yeah, I understand what you mean by thinking about things, and, you know, I don't think I go through that thought process, but I think about, you know, like, this is like, when I was younger, I would have bought lots and lots of stuff, and I'm a lot less like that now. Maybe I don't have to go through the same thought process, but. And I do have, like, patterns of things that I buy. Like, I love handbags. I'm a little obsessed with handbags, and I will like very expensive handbags. I'll buy something that will last for a very long time. So I wouldn't buy a red handbag from a designer. I'd buy a black one, because, you know, that would last a long time. And if I wanted a red handbag, I'd buy something maybe from a low, you know, like, I wouldn't spend the crazy money, but I. I'm not sure that people can be that. You sound very, very secure in who you are, how you project yourself to the world. And I'm not sure I'm. That's very difficult for people to go, I'm going to buy this dress in wherever, because I'm going to make more money. Because you're not, are you? I mean, you just want the dress because you look good, but, I mean, can you do that? Can everyone do that?

Speaker C: Yeah, that's. That's my hot take, I guess. Like, that's. That's. Yeah, that. That's my perspective on it all. You know, I do believe that when we. When we feel our best and we present Ourselves to the world in the way that we want to be perceived, that that does make us more money, you know?

Speaker B: Yeah.

Speaker C: Like, if I were sitting here like a little mouse being like, oh, yeah, you know, like, it would be. It's different. You know, we do need to have and develop a strong sense of self, especially as we ma as women. And I think, you know, the clothes we wear and the way that we take care of ourselves, you know, that does contribute in a really big way. But I also want to circle back to something you talked about previously when you talked about your history with money and the fact that you started investing so early. You know, it's the idea of opportunity cost. You know, like, all the money that you blow on, stuff that does not matter, that you will not remember in two years, you know, all the clothes that just land on them land, you know, end up on a landfill. Or all the TikTok beauty trends are just gonna mess up your skin barrier. Right. We've all tried it. You know, like, all the ways in which you treat yourself like a guinea pig, all the ways in which you're refusing to even know yourself, and you just throw whatever at you in order to try and patch up this feeling of not being good enough. You know, in the meantime, you could just be holding on to that money and letting it grow, you know, so for all the money that we're blowing, you know, we're missing out on, like, there's a gigantic opportunity cost here. And so I think it is. It's. It's a. Like, we're kind of. We need to train a new way of thinking and a new way of calculating, you know, like, it's like advanced girl math, hopefully, like the next iteration of girl math. But we really begin to enjoy, you know, thinking about the different possibilities and the different choices that we're making with money and really asking the question, is this going to benefit me in the way that I wanted to? You know, like, does this honor me at the level that I really wanted to? You know, buying this designer handbag, is that going to be worth it to me, or would I rather have this money sit and then turn into more money? You know, decades down the road, and there is no right and no wrong path. Like, I love blowing my money. Like, so much fun. Like, I love buying beautiful things, you know, and at the same time, you know, every choice comes with a benefit and every choice comes with a consequence. And I think as we grow up as women, you know, part of that maturing is to begin to have these conversations with ourselves. And to be really honest about whether we're honoring ourselves in that moment or just taking advantage of ourselves by making, you know, incongruent financial choices.

Speaker B: No, I think that's a very good point. The, you know, just the message, just think about it, you know, what is it actually doing for you? Is a very good message. I, I don't know how we get it out there in such a commercially, you know, driven world and, you know, the push to look a certain way, dress a certain way. I mean, you talked about living in Germany and how it's less pressure filled. Like I said to you, I'm from London and that is not, it's not a thing.

Speaker C: But I do think, here's what gives me hope. So I do think that even within all the like, transient beauty things, like one day you have to have a big butt and then the big ***** and then the right, like, what's it? I've got like such a chubby face, but so many people like remove their buccal fat. I had like my, had some microneedling done the other day and I was like, don't use the rf, don't, don't remove like all the, all the jiggle in my face because like, I love, I just, I love, I love, you know, looking like an actual human being. Like, I don't, if I take off my makeup, I don't want to look like a corpse with like, you know, sunken in cheekbones and stuff. But that's the trend right now. So I'm just giving you an example for like all the different beauty trends and everything that we're going through. And so often, you know, it does feel like we look outside of ourselves and we're like, what am I supposed to look like this today? And what, what are the trends? And you know, who do I need to be in order to succeed in this world? And I really do believe that a strong sense of self trumps all of that. You know, when you really feel so confident with yourself and you take yourself as you are and you're so happy with all of your flaws and imperfections and you're rocking it where you take like the imperfect person that you are and you're just bringing out the best in you, then like the trends can come and go and it kind of doesn't matter. You know, you can, you don't have to wear designer clothes and yet everybody will turn around and stare at you when you walk down the street, you know, So I feel like so often with everything that we're Buying or that we could buy, you know, it's just a bandaid. It's not really a solution because at the end of the day, we still have to face ourselves and come home to ourselves and learn to love ourselves. And once we do that, you know, we do get this irresistible charisma that opens incredible doors for us in this world, you know, so for anybody listening who's like, I know, like, it's so stressful to try and keep up with this consumer culture, maybe you could just opt out of that entirely and, you know, take a different path and just really, you know, work on your sense of self instead and learn to hold on to yourself throughout the different seasons of whatever's on trend that day.

Speaker B: Totally.

Speaker A: I totally agree with that. I mean, like, as someone who's like a, you know, self proclaimed shopaholic, like, I do my best to buy secondhand for a lot of my designer stuff. I like, and I love that because it's like it barely used. And also I feel like I'm doing something better for the environment. And also, like, with my big new purchases, I'll make sure that they're like, like, I know I'm gonna wear them forever. Like, those are the things that like, I'm gonna buy, but like, I'm going to have them for years and they're really great quality. I think, you know, that's something that a lot of us younger women are doing. It's because shopping online is so easy and like, it's just. And then we never return stuff because that's a pain. And so, like, that's something that we maybe have to like, overcome. It's because it's just made it so much easier to kind of consume things we don't actually need, which I've gone through that path so happy that's not my life anymore. But like, a lot of people just have to go through it to learn. I really want to talk about something that I think you also have a hot take about, which is real estate. Really quick, because I think we're in Toronto. Toronto is a ridiculous housing market where it's almost impossible to buy a home if you don't have family help or anything like that, because it's just so expensive. And a lot of the main cities in Canada are like that. And unless you have an amazing job that's paying you a ginormous amount, or you have a dual income or whatever, you're most likely never going to own a home. So, like, obviously I rent for the moment. Hopefully that changes when I find A partner or whatever happens. But yeah, it's, it's a very, I think a lot of people find housing and real estate market very stressful because it's just very up and down and you want to make the right decision, you want to invest. But I don't know what your thoughts are on real estate. And obviously it's different in every country, in every city. So what do you tell your clients of like, oh, like, I know, you know, I want to own my own home. Like, how do I, how do I go about that?

Speaker C: Yeah, it really is so specific to each person. I think the thing that most rubs me the wrong way is the idea that everybody needs to invest in real estate, you know, because it, for many of my clients, it's just not the right next step for them. When I look at their finances, when I look at their life goals, when I look at the season of life that they're in and they're being told, everybody needs to invest in real estate now and you have to do it now. And it's the only way to be financially secure now. It often creates so much pressure and stress for them. And I actually really disagree. You know, I'm somebody, I invest, you know, my investments are growing in a way that I'm really happy with, and yet I do not own any real estate. Like, I've lived in so many different countries in so many different cities, I move every two to three years. I love moving. I've got like real commitment issues with living in one place that's just wired as a person. And so for years I was thinking about, oh, I should be buying, I should be buying, I should be buying now or never, you know. And then I just discovered all these other perspectives. Like there's one perspective that says if you rent and you increase your income and you invest your money, you could be ending up with a lot more money at the end of your life. So it really is so specific to each person. It depends on your job, where you live, how many kids you have, what season of life you're in. And so I just, I take, I disagree with the blanket, you know, advice. Everybody needs to be owning real estate because that's just not the case for so many of us.

Speaker B: Yeah, I mean, you know, I do have quite a lot of real estate by invested young and I would, I understand that, you know, the properties I bought at the sort of varying over sort of 20 year period, some of them traveled doubled in value. And I, I'm not a boomer because they really got, you know, really managed to sort of make the most of it. But it's true, like our generation, you know, bought something and literally a year later it was double treble, whatever. So, and, and I, I do agree that we are forced, particularly actually in the uk. It is an ethos like everyone has to own a home. I don't think it's actually a very Europe, continental European thing, because a lot of French people, Italian, Spanish, Germans, they rent. In the uk, we just don't do that. We're like, we're like programmed to buy a house. It's like you have to do that and you. Otherwise there's something wrong. You know what this, what's wrong with you? It's just, it's just the way people think. And I think you're right. If you actually looked at the numbers, you got to look at the numbers. And then there is this, I think, this other issue that people buy homes and they think, I have to have the nicest kitchen and I have to have this and that. And, you know, you're like, how much money have you spent that you do not have, that you've borrowed? You do not need a hundred thousand dollar kitchen of money you don't have. I think that's something we need to get people like, you know, you see all this, it sort of all started with apps like Houzz and Pinterest and whatever, where people are like, I have to have my kitchen looking like this and whatever, and you can't afford it. Why doing it?

Speaker C: Dave Ramsey calls it being house poor.

Speaker B: Right?

Speaker C: Yeah, it's exactly that. I have a client who built an amazing beachside home, like gigantic. So beautiful, just a chef's kiss, like the most stunning home in Australia. And then they completed the house and the entire family was like, we don't want to live here. And so they moved into a smaller house. But the conversation that they had with themselves was like, you know, we built this dream house. How come we don't want to live here was because they admitted to themselves, we like cozy, we like small, we don't like being house poor. Like, if we sell this house, we make a gigantic profit and we just have money to spend. You know, like, kids are young, we just want to travel, we just want to blow this money on like a boat or just do something silly with it, you know. And so one thing that I, that. So when we talk about real estate and investing and all of those personal choices to make, I just want my clients to really think about it from a couple different angles and really consider Their life situation and their goals and their personalities and all of those things. So I really can't give, like, blanket advice because it's so individual to each person. But the one thing that we do talk about is that we don't want you to be house poor, you know, because life's too short to have all of your money, you know, in one property or just in real estate in general. Like, that's not diversified. And also, you know, at the end of the day, you can't take it with you. I know you can give it to your children and stuff, but like, we also want you to really enjoy your life. And so to be, you know, just barely getting by and living in the biggest house, like, that makes no sense as well. But yeah, I know it's so seductive to be like, oh, I can live in this house and have that kitchen and can look like that. But I've lived in really big, amazing designer homes before, and I love the right sized home. For me, like, I don't like a gigantic home. I like to have my swing in the living room, the trampoline in the backyard. I like to have, you know, a cozy gigantic sofa and then a couple of, you know, guest rooms for when people stay over. And, like, that's it for me. Like, I'm so happy living this way. I don't like having a gigantic house. And then, you know, I don't know, it's just. I like it, like, small and cozy. And I. So I think that, you know, especially with my clients, my clients often have this idea of what it looks like to be successful, you know, where they have, like, the laundry list of things that they think they need to have in order to feel that they've made it. And then we make that happen and they're like, huh, I don't actually want that at all. And I'm like, great. You know, you've just learned amazing skills with money, and now you can just. Everything that you've built, you could just give yourself what you actually want.

Speaker B: Yeah, I mean, I do believe in real estate, but I do believe in what you're saying, that it depends on the person. And I wish people wouldn't be like, I know so many people here who are so highly leveraged, who've got mortgages of like a million. A million and a half. Gives me a heart attack. You know, it's like, are you out of your mind? You know? No, you don't. If you. If you need to be borrowing that much money, then maybe you need a smaller house. But they. There's this idea that you need this big house, like I said, with this amazing kitchen, with this fancy car and whatever. And in my world, if you can't afford it, if you don't have the cash, you don't buy it. You get the smaller home. But I don't think we're. We're not programmed to, you know, there's so much pressure and people judge you. And going back to this thing, I think women are the worst. In my experience, you walk into a room, women sort of do this data analysis of, like, what has she got on? What is her handbag? It's like a scan thing, right? And I've had that so many times. And like, what is on her? How big is her diamond? And it's like. But you've got to be, like you said, a strong person to just go, I don't give a. Whatever what you think.

Speaker C: The point of my life to make me happy. That's how I say the point of my life is to make me happy. That's the whole point. If there was any reason as to why I'm down here, it's just to have a ton of fun and to do exactly what pleases me. And so I want every single choice that I'm making in my life to be something that really pleases me and makes me happy, you know? And so what if, you know, I know we're not supposed to be wearing skinny jeans anymore, says Gen Z. So what if I wear skinny jeans and I feel amazing in them?

Speaker B: Well, I'm wearing skinny jeans. I don't care. I wear them anyway.

Speaker C: That's the memo. We need to start wearing skinny jeans.

Speaker B: I 100%.

Speaker A: I actually think they're coming back.

Speaker B: I think they are coming back. Yeah. I got rid of so many clothes that I should have kept because they all came back again. It dives me nuts. One other question I did on the sub, like we talked about. Real estate is another thing I saw in some of your content is that you also don't believe in credit cards or credit card points. Is that right?

Speaker C: Yeah, at some point. Okay, so here's this kind of circles around the idea of my money going so well and growing so wonderfully that I don't really think about it much. And so I know many people, like, they're so good at the credit card math and the points and the everything. But to me, my husband's very good at it. Right. I love people who are so good at it. I'm like, oh, my God, if this is fun, for you. What a cool hobby to have. Like, you're pretty much, like, you're amazing at this. So cool. But if somebody is just, like, not feeling it, you know, like me, like, I don't mind spending more money on stuff. Like, I can always make more money. Like, I can always just. Do you know what I mean? Like, yeah, always happy to just make more money. So it's almost like I'd rather not deal with all the credit card and the points and, you know, all that, like, that whole game. I'd rather not even learn or not even do it. It's so much easier for me to just make a bunch of money, you know, Fair enough. And so I've just. At some point, I've just stopped because it was always on my list of, like, and you need to figure this one out. And you should be doing that because, of course it's brilliant. I mean, if you can get a bunch of flights, like, for free, and that's, like, great. But I'm like, but I could also just pay for it, you know? And so I like to have my finances, like, really simplified, really lean. I like to look at it in one glance and see exactly what's going on. And so I liked. I'm. I'm. I'm. I'm quite a minimalist. Like, I like everything really tidy and everything in its place. And I like my finances in the same way. And so when something becomes a little too complicated or takes up my time in a way that I don't enjoy, that I'm so happy not doing it, even though I know that I could be making some money or I could be saving money, but really, to me, it doesn't matter in the big picture.

Speaker B: Right. It's eating up space in your kind of energy and head. I get it. If you're good at it, you're good at it. And you can actually get. It's crazy. And you have to be, obviously, very careful not to keep buying to get the points, because then, well, then you got money. Yeah. Shouldn't be buying the **** in the first place. You should be only doing it if you're buying the stuff. But, yeah, it takes a lot to work it out. And certain credit cards are good for certain things and it's like a whole math thing.

Speaker A: Yeah, if you're good at it, that's great. I just have never. I'm like, if I don't have to. If I don't have to think about paying more money back to somewhere with, like, including interest, like, I would rather not so, like, I want to be sure I can just pay that right out and I can afford it. That was not always me, but, like, I think we learn from our mistakes with credit cards. Yeah, it's like you do not want to be in credit card.

Speaker C: I love being in cash for everything. Like, I remember when I bought my car, I rocked up to the dealership with like, actual cash money. And they were like, we don't even know what to do with that. What do you mean you buy a car today? I'm like, don't have a car. You know, I just moved from London to Germany, so I need a car. Because in London I was taking caps and the underground. And so I was just like, I need a car. You're a dealership. Show me your car is. I'm going to buy a car today. And here I've got money brought money, cash money. Because I was like, I need a car today. So, like, what can you make happen? And they looked at me like I was crazy.

Speaker B: Oh, yeah, he must have done.

Speaker C: Yeah.

Speaker B: What's going on?

Speaker C: But like, any. Any car that I. That I would buy in cash. And you know, the point was I've got a toddler, so everything is sticky in our car. It is. I can't tell you how disgusting it is. Our car is full of sticks, rocks, and then all the crumbs and like the sticky, you know, from the juices. Like, our car is disgusting. So I bought a really nice car, but I knew that I was going to. This going to be ruined, like, absolutely destroyed. And so we're going to drive it until I'm done with it, and then I'm going to sell it. So I fully understand that this is going to feel like a depreciating asset. Like, this is a car to destroy with a little toddler child. Like, this is not going to be the nicest car that I'll ever drive. And I also don't. Didn't want to worry about, like, needing to keep it clean or needing to keep the leather nice. And. Yeah, who cares? Like in this phase of my life, I just want her to go crazy in the backseat and have a great time. Like, who cares?

Speaker B: Wow. I wasn't like that. I wasn't like that at all. I was like, get your hats off my leather. I know, but. But yeah, I mean, I. Cars. I. I get it. And cars. I'm not a person who. Whatever. I mean, I like cars, but I really don't care that much. And there's a certain, like, crazy, crazy expensive car. I Just personally don't get it. Especially live in a city. A, it's going to get stolen for sure and B, you can't drive it anywhere anyway. But it's a deep car, is a depreciating asset. However, if you're into cars like I'm into handbags, that's your shtick, that's your thing and you enjoy it. And if you've got money, go and buy yourself a nice car, you know, if that's your thing and everyone has, you know, different things they're interested in. But I, you know, don't be car.

Speaker C: Poor, don't be house poor. Don't be car poor.

Speaker B: A car is never gonna, is never gonna make you money. Yeah, for sure.

Speaker C: It's an expensive hobby.

Speaker A: Yeah. I mean, being house poor is better than being car poor. Do you agree with that?

Speaker B: Yeah, I think so.

Speaker A: Yeah.

Speaker C: Yeah. I mean, unless you're investing in like old timers or you're really, you know, know what you're doing.

Speaker B: I mean, you never get the money back.

Speaker A: No, it's unlikely.

Speaker C: And then very risky.

Speaker B: Yeah. And buying cars is so difficult with like riding it off and stuff. Especially here. It's just a total nightmare with like gas and stuff. It's just like, you know, and if.

Speaker C: You love cars, like the thing that I love to do is when I'm renting a car, I'll get the nice suv, I'll get the big thing, just my everyday car, you know, I like to have something, I like to be comfortable, but I'm not going to drive around in like a Porsche or something, you know, that's what I'll rent when I'm on vacation, you know. And so it might seem like quite expensive to be like, oh, I'm going to go rent that car instead of, you know, the little, you know, whatever it is. But you know, you can, you can still treat yourself to wonderful experiences. Just make sure that it's not at your, at your, at the expense of your well being, you know, like if you're just a little creative and if you really know what matters to you, you can pretty much have anything if you're just willing to like work it out a little bit, like do just a little more research, you know, if you want to drive a baller car, you know, maybe you can do a car share. Like there's an app in Germany, it's called Virtuo and it's in pretty much all the big cities like London and Paris and they have smaller cars, like very, very, very nice cars. And you can just use your app, unlock the car, and just start driving, you know, and so it's like a car share with, like, extremely luxurious cars. So it's like, you know, that works for me, but I don't have to own it, I don't have to take care of it, and I can just buy my. Drive my regular car in my everyday life. So. So sometimes the question is also, do you love yourself enough to really, you know, work out the details until they fit for you, or are you somebody who just jumps in right away and is like, well, I guess that's just how it goes, Or I guess it's just the price to pay, or I guess you can't, like, have a say in this. Whenever my clients say that, I always say you're just not being creative enough. You know, just. Let's just take a moment here because you're about to make a choice that somehow doesn't feel good. And I have a feeling that if we just do more research, if we just take a little more time, we can find a solution that really works for you, that gives you everything that you want if we're just willing to be a little more creative.

Speaker B: Yeah.

Speaker C: Yeah.

Speaker B: I think that's a very sensible answer.

Speaker A: Yes. We have one last question that we ask all of our lovely guests who come onto our pod. And it's just really in the spirit of sharing truths today, what is one truth that you would share to your younger self to do with money or to not do with money? Whatever you think you would share.

Speaker C: Oh. What comes to mind is you can be introverted and so confused and so scared and feel so lost in the world, and you can still be a success. Like, you can be such a mess, and you can still walk a really great path for yourself.

Speaker B: I like that.

Speaker C: That's so sweet.

Speaker A: I think that's so true. It's just like. It's. It's. We're all. I think.

Speaker B: Believe in yourself.

Speaker A: We're all figuring it out. I think that's what we don't understand when we're young is that adults actually have no idea what they're doing a lot of the time. And we actually are just all figuring it out as we go along. And I think it has to do with money. It has to do with everything. So I love. I love that. I love that you brought that up. That's awesome.

Speaker B: Thank you so much. Thank you so much. Hannah, speak to you.

Speaker A: So nice to talk to you. And, you know, we might have you back on. Maybe our audience will have some questions. That we can, like go through the questions more specifically with their money issues or any money questions they have. And yeah, we'd be so happy to have you back on. So thank you so much for taking.

Speaker C: Your time with us for having me. Thank you.

Speaker A: Of course. And maybe just remind everyone where they can find you on the Instas and the Tiktoks and whatever else you're on here.

Speaker C: Yeah. On Instagram, my handle is Hannah Money Bliss. That's Hanna Money Bliss. And then My website is hannabier.com that's H A N N A B dot com. My book is called wealth from Within.

Speaker A: Amazing. And you can get that on Amazon, guys.

Speaker B: So we'll link it everywhere.

Speaker A: We absolutely will.

Speaker B: And everything. Yeah.

Speaker A: Thank you, Hannah. We will talk to you soon. Amazing speaking to you. Thank you for taking the time.

Speaker B: Thank you very much. We'll be in touch very soon.

Speaker A: And enjoy Gracie and her Legos.

Speaker B: Okay, thank you.