#242 - How Her Property Was Putting Her in Debt

Just sold everything. It took me about six years to actually to sell it. I was too scared after That I had to work hard and save it because I wasn't worthy of Your income had fallen, you had a small business and you were losing money on this property. Even though you had the asset, what was happening in We were living off savings. It was our investment property. What would be your very best advice to our audience to

help them? Be okay with it. I'm Lloyd James Ross, seven-figure investor and entrepreneur, and I've helped thousands of business owners and professionals turn financial stress into success. If you're stuck in old money habits, overwhelmed by investing, or unsure where to start, this is for you. I'll give you the mindset and strategies to take control, grow your wealth, and achieve financial freedom. It's time to

make your money work for you. Well, we have another very, very special episode of the Money Grows on Trees podcast here because we've

got a very special guest who's joined us in the studio. She's driven a long way to be here. So I'm super excited to have her. You're going to love her story and the lessons she's going to impart to you and the wisdom she's learned about money, about her life and herself. And what's really interesting about it too is that she's also a chartered accountant. And she's one of our Money Buys Happiness readers. And she's

one of our students. In fact, she's an elite student in our elite program, which is one of our mentorship programs where we teach and talk about money and time management and effectively raising our standards financially to win the financial game. And so she's in the studio. We're going to ask her some questions. And she's going to give us authentically who she is and what she's done, where she's come from with her money, where she's going with it, and some wonderful lessons

for you all to learn and take away. And it's none other than Erin Moss. What's up? Thanks A little bit nervous? Yes. You look fine, though. I know we finished at midnight. I think I went to bed at two o'clock. and vibrant ready to go the next day and you're also in the studio together too so definitely thank you for making the time oh thanks for having me and i'm glad you enjoyed last night and i'm glad we made it here yes the studio so um right now the

topic of discussion is gonna be mostly about you, okay? Like 99% of it. And I'll interject when I need to, to ask you some more questions to find more about you. Part of what we wanna do today is I want to learn about your story with money. And we're gonna go back to the remembering room before we started working together. And then we're gonna move through your story and impart some

cool lessons for the audience, okay? So my first question is, If you can take us back a couple of years ago even, where were you at with finances and with money and what Well, I've always been a bit of a saver and so I would just squirrel money away all the time and then I would only spend it on stuff that I really wanted, which was, you know, few

and far between. But like you said before, so I'm a chartered accountant, so I did my training and had a few investment journeys along the way, but I always like wasn't in control so I had no idea what I was doing and so like I bought a couple of investment properties with my husband and it was like we got a cold call and we went we got flown to Brisbane and we bought this house like there and then and I'm like I know all about negative gearing and I thought I

can do this. What are they talking about this? And so it all sounded really amazing. And so we

bought our first property. A year later, we bought another one. And then it just never really made a any money and so but I was determined to hang on to them I was like this is a long-term investment so I'm like it's it's gonna be fine it'll grow you know and and then I also trusted the financial planners in the office and I said right I want to invest my money I remember saying to our financial planner in the boardroom one day I'm like I want to retire when I'm 30 and And he's

like, and how are you going to do that? And I'm like, I don't know, that's what you're here for, right? And he's like, right, we're going to have to borrow all this money. And anyway, nothing ever happened with that. But he then, I said, right, well, I want to invest in something. And I did manage funds. But what I didn't realize was, because he said, right, let's get a margin loan and we'll capitalize the interest. And so I thought, okay, well, this is capitalizing usually

to me meant it was an asset. So I'm like, this is growing. And then what I realized later was it was actually just borrowing the interest. And so, cause I said, well, should I be paying interest on this loan? Like, well, I'm not giving any money. And it turns out my loan was just growing. And then the GFC happened. So not only, you know, did that just go down the toilet, but I also then had this loan. And so I was like, one of my other, the partners

at the firm said, you need to get out. So I basically, I just sold everything. It took me about six years to actually get out of it, to sell it. And so I was a bit disappointed because I was like, I'm trusting these people. Like I thought I knew stuff, but turns out like I know how to count money, but not make money. So, yeah. So, you know, I put half into this margin loan investment and I put the other half into buying my first house. And so, you know, use it as a deposit. So, but yeah. And

then it was just like, I never really, I was too scared. after that to invest. So I'm hanging on to these other houses, but Yeah. Yeah. Well, it would have been a very tricky, like, how did it feel when you were like in that cap? So for the audience, when you capitalize interest, the interest that you

should be paying on the margin loan is added on top of each other, and they stack it and compound it up. And you still have to pay it, but not until later. And the idea of that would have been to see where the portfolio would have risen beyond the interest payments. And unfortunately, if it doesn't, And he goes the other way, very bad. Right. And that's what happened Reverse compounding. How did it, how do you feel? You just felt, did you feel what?

When I had it. Yeah. When it happened, like when it, when you realized what it was. Oh, it was gut wrenching. Cause I thought, why, how could I be so stupid to think that this was a good thing? Like, why didn't I do my due diligence? Like, why didn't I look into this a bit more, you know, that A hundred percent, yeah. And lost trust. Okay. So you've had some, that gnarly experience, which would have inflicted some wounds and, you know, made you

apprehensive. Yeah, definitely. So how, what happened after that? So where did, how did we come into connection? Like what was the, how did that happen and unfold? The book. Which Arrived on my Facebook and I was like, what is this? And it kept popping up and I thought, all right, I've read lots of books, I've done courses and I thought, I'm at a point in my life. So I just moved actually. So I uprooted my family and we moved north. And

I came across your book, and I thought, oh, I'll read it. So I thought, oh, I'll get it. Didn't read it. And then I was sitting in the doctor's surgery one day, and I'm like, oh, I'll just start reading it in the waiting room. And I'm scrolling through, and I'm like, oh, this is actually pretty good. It provides some really simple advice And I'm like, oh, okay. So I went home and I actually printed it. And so I think I read the whole thing that day. Wow.

So yeah, so I'd put it off and put it off. And then of course, um, I get all the emails cause I'm like going, who is this joker? Like he's. Why would I go? I'm like, it's good advice, but yeah, you know, I'm probably not going to do anything else. And, um, and then I get the email about the coaching session and I thought, ah, nah, it's just a scam. Like, why, why would I do that? And I'm like, uh, he's just trying to try and sell me something. So I put it off and put it off. And then I was

like, oh, I just stuff it. I just need to do it. Like it's a free coaching session. What, what's the worst that Well, when I moved interstate, I actually cut my income in half. And so we'd bought a business and I wasn't making as much money and we were actually going backwards. And so on a month to month basis, I'm like going, right, we're living off savings. And so I was like, we need to do something.

And so that's when I thought, look, maybe this coaching might be, just give me something that I can move towards and be able to help us move forward. And, you know, give us some tips on how to get out of the hole that we dug for ourselves. Good, well that makes sense. That's kind of what prompted you, like maybe this is something a little bit different. So you obviously, well,

We booked the call and then Melissa got me to do the audit. And I'd been tracking my expenses for years. As an accountant, I'm like, oh, I can do this, but I never looked at it. I just recorded it. But then, yeah, got to do it and actually, blinding lights with, you know, this negative at the bottom and I'm like, oh, this is not good. So we went on to the next call and she explained the course and I dragged my husband along and I was like, do

you want to do this? Like, if we do this, we do this together. And he's like, yep, look, we got to do something. And That's Yeah, we jumped on a call Yes, we went through some stuff together as

you and Dan sitting there. I remember that cool. Yeah, I remember it I do Yeah, it was uh It was a really it was nice It's always nice to see couples like if you like what you said you if you're gonna do it together you're doing it together Yeah, so when you see a couple and they're both invested together, you know that everything's gonna be good because you're on joint mission

and And they're not hiding anything from each other. They're like, they're both in it together. And that speaks volumes about your character too, that you, you know, you asked it like, hey, you doing this with me? So we're doing it, we're doing it together. That was a great start to everything, of course. So you now, you read the book. You're like, I'm ready to implement stuff. I hope this is going to be good. And then what transpired

over that time? Like what things started to happen for you? What did you implement and do? Um, so we pretty much, well, let me just say before you do that, when you sit on the, on the audit, when you did the audit, you said a little negative, what was on the audit that you talked to each other about? And then

It was costing us money every month. And even after we did the tax adjustments, the whole negative gearing thing, it's supposed to save you enough tax to then effectively be cash positive. It was still negative and, you know, my husband's not liked the idea of the properties for a while. And when we moved I had to sell one in order to buy a new house. But when I was talking to the property manager, we couldn't actually sell the second one. She was like, no one's buying. And so I

was a bit worried but We hung on to it. We managed to, you know, buy a new house, move, but it was still obviously negative geared. And so, I mean, we had a tenant actually said to us, because we wanted to increase it by $10 a week. And he said, look, I've been such a good tenant. How about you reduce it by Oh, me neither. Anyway, he said no. We kicked him out and increased it by 50 for the next one. But yeah,

that was the glaringly obvious thing. And so the first thing we actually did when we talked to you was to sell the property. So the market had changed by that stage. So in 12 months it had increased I think we increased by about 100k on that house. And so, yeah, we implemented all of your steps Well, you didn't actually do, you didn't, that's not what happened. You

didn't implement my advice. You knew what you wanted to do already. I I really am just coaching you and facilitating what you already know. Because I remember when we spoke about it, you knew in your heart What you wanted to do. You're a chartered accountant. I didn't need to talk to you

about two plus two is four. You knew. Because when you do this exercise, this snapshot of where things are at, and what you said is blindingly obvious on the, I know where the gaps are here that we need to fill, and I need to, or the holes Yes, we need to plug these bucket holes, the bucket holes, right? And so where's the hole in the ship, because a small hole can sink a big ship. And

your hole was this property that you guys had secured. And you know, and property over time, particularly in Australia at this present time has grown, right? So assets do grow, and they do produce income. But what you were objectively trying to achieve with it, was to have some level of cash flow from it potentially. But as you found out, when you borrow the money to buy it, and the interest rate is higher than the Yes, and we were on an interest only loan, so... No principle. So,

Right. So, it was all banking on capital growth. Now, this is a very common model in a growing real estate market of any country, yes? We're banking on the capital growth. A little bit like what happened to that margin line that you did many years ago. It's like, oh, capital, similar thing. So, it's all banking on growth. What happens if growth doesn't come, right? And so, you understood what had to happen. Why didn't you ever If you knew already, why

didn't you change it? What was going on in your head? You're like, what Just the value of the house. We would not be able to pay off the loan before that time. And I was just going, right, we'll just wait it out until the end of like until D-Day when the interest only loan period was going to end. Oh, we considered selling it probably a year before. But yeah, like I said, we couldn't sell it. Like the property manager said,

they're just not selling. And we got an offer that I wasn't happy with and she like lowballed me. And so I was like, nah, I'm just going to hang on to it. So my husband has been wanting to sell it forever, but I was reluctant because I hadn't had that capital growth. Sure. So, yes, I knew I had to sell it but then I was just too afraid of not making it back and having a loan and so... Okay. But at the time, you said you'd moved, your income had fallen, you had a small business and

you were losing money on this property. What, even though you had the assets, what was happening in Right. And so you're living off some savings and the money, the delta, like the money coming in and the money going out was out of balance. Yes. Right.

So your objective was to get it into balance. We start making more, like more money coming in than going out, which is like one of the most foundational principles of money. I mean, it is the most important. Right. And so you discovered that. So from that discovery, what We found a property manager, a real estate agent. Right. And you needed some encouragement. Yes. And you did the numbers. You knew what you knew. Yes. But you needed

A bit of like, it's going to be okay. Yeah. Like, what do you want? Do you want financial peace or you want to keep flattering and having financial stress for it? Like, what do you, which one? It's like on those, you know, the notebook, bro, what do you want? And he closes the door. She can't answer the question. Like, what I wanted financial freedom. I wanted relief, like just to, Live

Got it. Yeah. Yes. You hadn't got that because you Like I, I probably didn't look at the numbers simply because I'm like, I knew if I looked at it, it would be bad. So I didn't want to, I didn't want to even. Yeah, I just leave it alone and just we would, we'd be fine. I kept saying myself, but deep down Sure. Okay. Avoidance. It's a personal development journey when you look at your bank statements. Yes. Okay. So

the actions you took, let's go to it. Got a real estate agent agency And then we, so I actually went back to the original people we bought the house from. And they put me in touch with the real estate agent. I'd had people ringing me all the time. Anyway, so I got a few quotes going, right, how much is it gonna cost me? Went with the cheapest marketing budget, essentially, because I'm like, this is just a rental property, there's no sentimental value

in it. Like it's not a million dollar property, so I don't need a million dollar marketing campaign. Um, yeah, put it on the market. Didn't even go to open house. Like we got an offer day one and they didn't want to, they weren't available for the open house. And so they put in an offer and we were like, okay, let's, let's do this. And I'm like, Lloyd, is this, what do we do? Should I take it or do I wait? And, um, Thankfully,

we just went, look, it's in the ballpark. And a real estate agent then talked him up, negotiated a bit more. So we were able to get a little bit more for it. So that was really good. And yeah, Sold. And it's been amazing, because now I've got this settlement happened. And the cash flows come in. And so now, because we also have a business loan, that's now sitting in the offset account. And so we're saving so

You're offsetting your business line, right? Interest. Yes. So you moved one allocation of some equity from an asset producing negative cash flow, moved the capital over to an offset to create some positive cash flow from the interest savings. Yes. So you allocated capital differently. Yes. And as a result, what's it like day to day now with

Oh, it's karma. So yes, so the money coming in, so we still do our monthly audit and where we go through our expenses and Like, I was never one to buy subscriptions and stuff like that, but they've crept in. But we've cut down our going out for dinner, you know, to once a month with the kids. And so that's, you know, helped with cash flow as well. So now we've got the offset and I also now have free cash flow to invest. Yes!

So that redistributing of the capital monies is not only offsetting the business loan but I also now have monthly, I now put it into my investment so that I Wonderful. How good. And you've learnt about investing as well, you've improved your education? Definitely. Just quickly, if you're ready to take control of your finances, but feel stuck on where to start, I have a

solution. My book Money Bias Happiness simplifies investing and wealth building with practical steps to help you achieve financial peace. Get your copy via the link in the show notes and let's get your money working for No, not at all. So after my little debacle with the margin loan, I was so scared of the stock market and I'd never, I never really understood it. So like that was really my

Yeah. I understood like, The concept of shares being your purchasing a part of a business and I understood dividends and things like that. But, uh, yeah, never really knew what to buy, how to buy it or like the actual mechanism of doing it. I'm like, do I need to call a broker? I don't know any brokers. And So misunderstanding of it and then subsequently education and you educated yourself through it, right? So now you understand all those things and

you understand it implicitly to do it yourself. You don't rely on anyone else. You understand exactly what you're doing and why, and you're controlling it all yourself, which is wonderful. And Oh, it's exciting. I didn't even realize I'd got paid a dividend and then I checked my account and I was like, woohoo. It was probably only a couple of bucks, but I was like, hey, look, this is where Yes. Every journey starts with a single step and every big tree

Little seed on a little small tree. Yeah, it's wonderful. How does it feel to be, when you said free cash flow, this is a wonderful word that people don't understand a lot because they don't have any. There's

cash flow, that's the money come in, money go out, but there's free cash flow. So you're using the free cash flow to build assets. And what are some of the other things that you've now been able to do together, like Oh, well, we're doing a few things to the house, which is exciting because, you know, for the business, we need to make some improvements. You know, we're planning on a holiday with the kids because, you know, we just haven't

been on holiday for so long. So we've been able to, you know, duck away for a weekend and, you know, hopefully we'll go on a big holiday at some point. Small business But yeah, so it's just things like that and just being able to give back to the kids, you know, not have to worry about scrimping for school stuff, like they can go on their

school camps and stuff like that. And we've always been able to do that, but you know, since moving it, like, really through us and so it's nice to be able to get back to just that ability and confidence to put the Yes. It doesn't have legs and get up and walk away and go where it wants. You send So you've calibrated where your capital is. Yep. You've calibrated what your loans are. You've calibrated where that free cash flow now goes and you send it there. So you're now

Yeah. And it's really exciting to have that control back instead of it just like you're closing your eyes and you're hoping that it all just works out and that you've saved enough money to Not really. It's a strategy, isn't it? I didn't do anything. You didn't live your life because you're so busy saving, hoping that, you know, I'll just, I'll have enough money for this that you think I've just got to keep building

this asset or, you know, this bank balance. Um, but it's not like for the future, but then you don't live your life. So, you know, I spent all And so I want to ask you this, when I think it was September, maybe October last So not even a year. No. What do you mean, seven months? Yeah. Look at how far you've come in seven months. I always think it's longer. Seven

months, so you've recalibrated all your finances. Now, I want to ask you this because you came through our core Five Steps Mentorship Program, which is our money program. Then you've showcased, because you have a business, you've showcased some elite qualities of showing

up and doing the work, which is what I love. just while you're in the studio, but also you're now an elite student in our elite program, which is a 12-month program, where we really cultivate some other things, which is some areas of your behavior and leadership, self-confidence, communication, and also business, cultivating business skills, and making more money, and these cool things. So after getting your finances under control, which you've done, and you're planting your money tree, you're

getting your finances under control, you're doing your audit, Yeah, you're good, right? Mindset is good. Mindset is good. And now, you've gone to another level now because I'm like, well, how do we get Aaron to the next? What's the next step, right? And coming into the elite, you've done some work there. Now, I want to know from you, what are some of the things that you've experienced or done that

you never anticipated that you would do or experience? What are some of the benefits or wins you've achieved that you never thought were even remotely associated with money?

Social media is a big one. I never realised how important it is for growing a business and being present. And so showing up on lives and reels and posts, I'm still getting used to that. But yeah, that's been probably the biggest thing for me is the importance of connecting with people and utilizing social media as a way to actually connect with other people. Like it's not just, you know, friends showing off or, you know, showing

what they had for breakfast. It's a way to communicate and really share and add value and being able to get the message out And what else? Because you've gone through our Mind and Money event as well, which you recently just did. Yes. And so what are some of the personal breakthroughs I think just the confidence to speak.

I recently did the speaker training and I was like I don't have a message to share or I didn't have the confidence like from my story way back when I was a kid and on stage and I couldn't scream when the big bad wolf was chasing me as Little Red Riding Hood and it's

haunted me ever since. And so just that confidence to be on stage and I'm like I could do this because I really love mentoring people and you know in my job I'm supporting a whole bunch of franchisees and so just the the ability to help pass on the knowledge and so it's really just been a growth of understanding and education and that confidence to share that that message and yes social media has probably been my biggest challenge and yet biggest breakthrough in terms of getting

And because you've learned other cool skills too like selling and marketing Yeah, the strategies and the frameworks that you put in place, and you make it so simple. Like, who'd have thought that selling was like six steps? And that's it, you know? My money-making algorithm. Yes, you're a banana bread. I liken it to banana bread. Yes. I love that. that really worked for me because it was like, okay, right. So it's all the same. And no matter which business you're in, it's, it's the same process

that you need to go through. Just follow the recipe and, um, and you'll get the results and just keep doing the boring things because it works. And then what's that saying that you have, you know, divorced the outcome and fall in love with the process. So I do love that. And so, you know, instead of being focused on, oh, I've got to think big picture, just Keep it simple. And that's certainly one of the things I've learned is breaking it down into little

steps, because I get overwhelmed a lot. And I'm thinking, oh, I've got to do this and this and this. And we've got to make our business grow massively. But it's like just to get a lead. Just keep it simple. Get back to basics. Get the leads, record the leads, find out where they're coming from and then take the next step. And so just that taking the next step, following the process is what Yes. And yeah, marry the process which you're doing and divorce the outcome which you're doing. Wonderful.

Okay, so here's what I want to ask you now. What's the old money story you that I had to work hard and save it because I wasn't worthy of it because other people were better than me. So I was very much, I didn't Self-confidence was a big thing for me. And so it was always like, oh, that's, I will never be rich because I'm not worthy of I don't know. My parents worked hard, you know, and so they worked hard and, you know, we didn't have a bad

life at all. Like we grew up, I thought, fairly well. We weren't rich, but, you know, we had a pretty good life and we went on holidays and things like that. And so my thinking was that you had to work hard to get your

money and that was it. I never really had any experience or connections of people with businesses and so I didn't really know the other, I lived in a bubble, like there was this whole world out there that I didn't really understand and so I thought, oh well I'm not, I'm not in the group and so therefore that can't be me, like I always felt there was something more but I was like, oh well maybe it's, maybe it's So the old money story is that and what would you say now for the last seven

months? What's your new one? What's the new money story you're I can do anything. Keep it simple, follow the process and set yourself a target and you know, believe in what you're doing and give value because money is just, money is just a vehicle. Like it's

not, It's not about making the money. It's about exchange of value and the money will come. And so that I think really changed my mindset. Cause it's like, ah, so here I am so focused on the money side of things and I want more money, but it was like, I just need to focus on the giving value and What a great lesson. That is so well articulated. Thanks. You communicate so well. I couldn't have said it better myself. So you've learned how to conjure money out of

You're a money magician. You've learnt the art of giving is how you get, yes? You give value and help people solve problems, you make money. They pay you in return for Yes, and I love solving problems, love puzzles and things like that, so it's like, this is all working in It's a game, and you're good at the game now. You know the rules You know how to play the game now? Yes. Now you've just got to get better at the game as And I've heard many years ago how you play games is

how you play life. So, now I know the rules of this game. Yes. You know the rules of the money game. Excellent. So I want to ask you this question to finish up. Of the experiences you've had with shifting your capital, making it work better for you, so becoming a better capital allocator, right? And having encouragement and the support to make those capital allocation decisions yourself that you knew you had to make already.

And having free cash flow and learning to put it to work to get some passive income. and deploying some of those new skills, the money-making recipe onto your business now, which I know you're doing to increase the income and value of that, and your own personal growth, too, with the breakthroughs you've had in how you're showing up as a person, your personal confidence, how you're showing confidence here

today on the show. Out of all that, in the last seven months, which has been amazing, what would say would be your very best advice to our audience? What's show up and take action. Cause even though it's hard, like just being present learning. Well, if you're on a call, commit and show up. So do what you say you're going to do and show

up for yourself as well. So, uh, if you want to do something, you have to, show up to do, yeah, do what you say you're going to do and set time aside for yourself to do those things. So yeah, show up to the calls, show up for other people, you know, be present. Be on there. Don't do it half-assed. Yeah. Excellent. So show up, commit, and Outside

Be okay with being scared. Like, it's going to be scary to do some of the things, but you've got to get outside your comfort zone to grow. So just do it. Like the reels and the social media stuff, you just have to have the courage to do the hard things and just, it only takes, you know, a moment or whatever it is, you know, you only need courage for a few minutes or a few seconds to Yeah, take messy action, which you've been so good at. Is

this the first podcast episode you've ever done? Yes. And look at you go. I know. Taking action, not even messy. Scared as hell. You're scared now? Yeah. You don't look scared. So you had a little bit of courage, growing yourself. Your money's in Amazing. Yeah, I'm excited to grow our business, that I can teach other people like mentor other people and grow our business and give them opportunities and also mentor some my franchisees

as well. So like I, the future looks like inspiring others is what I would Lovely. I love it. You've invested in yourself. Now you get to help others. And so do you feel like mentoring has been an effective approach for Because you can connect with them and they help you take messy action and put you on a path that you may not want to go down, but in your heart of hearts, you know, that's the right Then you just have to do it. Whether you like it or not. Just

give it a go. Because if you don't give it a go, you'll never know. And I don't want to live in regret going, oh, well, what if I did this? So, yeah, it's been good to connect with the right person. And you've been a great mentor because you keep it real. So there's no ifs, buts or maybes. It's like right down to earth, no beating around the bush. So right. And you're like, I just need to kick up the pants sometimes. Someone who can do that and have a bit of fun along the way. Yeah.

Yeah, totally. Well, look at you now. You're sitting here. Yeah. The other day, you didn't know Here you are. Last night into the studio. No prep. Living the dream. You are. It's funny. It's like you've never driven so much in your life because you come down for events all the time and Well, I was saying, I think it was meant to be that I moved because, you know, if I was still down South, like this

would be a 16 hour drive every day. And I feel like I should buy a house at the Gold Coast or at least rent a room. I feel like I'm here every weekend. Actually, a lot of them have moved here. Yeah, yeah, yeah. So I should probably get a tax for a revenue share for the city, bringing people here. Look, it's really interesting that

you mentioned that because it's in the book too, Pet Proximity. And you've moved and you've had some proximity and you're here and you've got more proximity. And proximity is power. You're learning because mentor once taught me, he said, Lloyd, success is sometimes something you've got to catch. like a virus, you've got to be around it to catch it. And so that's what I feel like you've been able to do a lot of lately as well. You're catching it, you

Yeah. And in-person is so much better. Zoom and, you know, online calls has really enabled or facilitated being able to learn so much, but Yeah. Both is perfect, right? Yeah. Yeah. But online, we've So having a bit of both is good because you can do it in the comfort of your own But yeah, being able to connect with people and exchange energy in person, it's quite amazing. And, you know, surrounding yourself with the right people and meeting so many other like-minded people,

It is. Well, I'm very excited to watch you grow. It's been seven months. I love working with you. You're so action-oriented and you're fun and you don't take things too seriously, but then you do, which is good. And I'm really excited to see what the next seven months is going to hold for you. There's greatness in you. You're going to cultivate a great and even greater business, make more money, get your investments under control.

You know what it is. The other stuff you don't have to depend on anyone but you and no one's going to love your money more than you. And I'm just excited to watch you grow. So thanks so much for dropping in after the event last night. And yeah, if you want to The old Facey. Erin Moss. Erin Moss. Okay. And so go follow Erin. Follow her journey. Yeah. Go give her some love on her post and so forth. And if you see one of her ads pop up, engage. And yeah, watch

We will. Thanks for coming on the show. All right. Thanks, Lloyd. Thanks, Erin. Hit the subscribe button, follow us, share this with a friend. If you know someone who's like, Erin's a flippin' chartered accountant. If you aren't a chartered accountant, she knows how to count numbers and she's still here. So, share the episode. It's a really cool episode. I loved it so much. Thanks for dropping by and I'll see you guys in the next episode of the Money Grows From

Cheese podcast. Thanks for listening to Money Grows on Trees. If you enjoyed the episode, leave a five-star review on Apple Podcasts and Spotify and subscribe to us on YouTube so you never miss an episode. And if you're serious about building wealth, make sure to check out the links in the show notes and follow me on all social media platforms at