Making Your Finances a Family Matter

spk_0:   0:00
welcome to the prosperity gap, where we discuss the financial gap

spk_1:   0:04
that exists between where we are and where we should be. It's time to bridge that gap. A Prosperity nation. Welcome to the show. My name is Dave Hall. I'm the prosperity guy. Very excited to have you guys back for this week's show. This week I have with me Cat Kahanek, who is one of financial bloggers out there. You guys know that one of our big commitments to you is to introduce you to people that are trying to make a difference in the financial service industry. We realize that we don't have all the answers. We realized there was some other great cool people out there that was trying to make a difference. And although she's just getting started in this world, we want to give her an opportunity to share some her story, to be able to talk about why she does what she does and hopefully connect you guys with her to allow her to influence you as she's influenced us and others that she's written about finances and your own personal financial journey. So with that, welcome to the show.

spk_0:   0:58
Thank you. Thank you so much for having me.

spk_1:   0:59
So can't we have one thing in common? We both live on islands Puerto Rico and where do you live?

spk_0:   1:06
I live outside of Buffalo, New York, on an island. It's between buffalo and night or falls, and mine is not tropical.

spk_1:   1:13
I thought it was very funny when I first read it because I read down your website and you go through there and you see Oh, I live on an island and the first thought is especially for me, where I live on Oh, in the Caribbean. You must be next to me on And I saw the rest of it. I realized, OK, there's other islands in the world. They're not always green all year

spk_0:   1:30
around. That's right. It is very cold. It is definitely some freezing right now.

spk_1:   1:36
So can let's talk a little bit about your journey. What got you started in the financial literacy area, where you're actually have this interest to help people?

spk_0:   1:45
You know, A lot of people want to say, Oh, it's like a silver bullet or there was this one moment where you just kind of came to, but for myself and my husband it was more of an evolution. We've always wanted to do well with our finances, but it's over the years that we've really try to work on honing in on that, and it's kind of been a gradual awakening. And so way back, I'd say right after we got married. So probably about seven years ago, we were listening to Dave Ramsey in the car and I thought, Wow, where these people always calling in and complaining Mother dead, Why don't they just pay it off? And it kind of dawned on me. I thought, Well, why don't why in a client ID listening to my own self and why are we paying it off? And so that kind of started to get gears moving and it's interesting. You think, Oh, I'm doing these things or I'm doing the baby steps and then it's like you go and read something and learn something more and be like, Wow, I should do this. I should cut cable. We should really look at our groceries and shop all the versus the higher and grocery stores, and you slowly start to realize the efficiencies that you can do in your life to cut back on your spending and to reduce your

spk_1:   2:53
That's one of the things always amazed me, is how much money just wasted, and we don't even realize it. I mean, it's tough to read. They're not using that stuff for overpaying for or it's stuff that really just doesn't matter when you consider our happiness in life. It's not making us anymore happy. But yet we just continue to spend money on it

spk_0:   3:09
right, And I think it's figuring out what is a value to you. Is there something that you're just like, Oh my gosh, I love it. Then I definitely support, like, go get it. I don't think you should do for Galati, for frugality is sake. I think that there's needs to be that value there and then everywhere else. If you're not interested in it for us personally, like, we're not really interested in having the nicest, shiniest cars. So we want to put more money into other things, like we wanna have a nicer calm or nicer decorations or things like that. That means more value to us.

spk_1:   3:40
That's one of things that people always give me a bad time about. So here in Puerto Rico. We have mini vans which we almost had to because when we moved here, we had five kids, plus that were here on the island with us. We have 1/6 1 That was in Korea at the time. But with five kids in ourselves, that was seven of us. We weren't gonna fit in most vehicles. And so although I never wanted minivan, we end up buying two minivans when we got here. But basically, I just said, Look, you know what? With roads here, the way things are, we just gonna beat him to death. There's no reason to go out and buy an expensive car, because in five years these things gonna be wore out, and it just doesn't mean that much to me. And look at my friends that by Mercedes they spend $100,000 on a car, and I'm just like, you know what? That it just isn't that important. I'd much rather go spend 20 $30,000 a year on a nice vacation with my kids that I would drive a car that has an emblem on the front of it and says that somehow I'm important to somebody

spk_0:   4:28
that's exactly right? Yes. And I feel like cars, especially. They could be a huge money pit if you let them.

spk_1:   4:34
So talk a little bit about your back journey. So obviously you're married. You have? I'm not sure exactly how many Children? More than one.

spk_0:   4:41
I have two kids. I have, ah, one and 1/2 year old and a three and 1/2 year old.

spk_1:   4:46
So talk about the journey from marriage to this point a little bit. I mean, you don't need to give us a travelogue, but what was it like? Where you from? Similar families financially. How did that work is? You guys come together?

spk_0:   4:58
Yes. So we were generally from similar families financially. And it's funny. Our parents were teachers just in different school districts. So our parents knew each other before we really knew each other. But we coming together with kids, it was interesting. So before kids were on this financial journey of like Okay, let's try to pay down debt. And we just had normal consumer data. We have student loans. We had just some things on credit cards. Nothing. Nothing too crazy. But it was it was building up. We also invested in a business that was taking up a lot of money. So we had that. But at the same time, we were trying Thio have a baby and it's just what It wasn't happening. And we had to put things on hold because we had to pay for infertility treatments which were astronomical. So you think the journey is Oh, it's just gonna be like this linen autograph. It's gonna be just linear. There's communal bumps in the road or anything like that, and it's not like that. It's like, Well, what is a priority right now? And right now, our priority is having kids. And so it's you save up your pennies and then you you do treatments and you communications and do all the things and then hopefully you have a success. Then it's like, Okay, we have a break and then let's go back onto this journey trying to pay off our debts. And again we did that. Our second child.

spk_1:   6:13
You make a very good point as you go through there and talk about your story. It, and that is that we do have take breaks of times. We just got to realize, you know I've had some health issues lately that have definitely changed the way I look at my own life. Been in a situation where I can't work for a couple of months, and luckily we're in a financial situation that's not killing our family. I'm still able to do other things. We have other investments that have happened, but it's definitely taken us off the path that we expected of. Hey, we have all these goals we have. All these things were trying do well. Now we've got to step back and look a little closer at life and same with trying to get pregnant. Like you say, it's not cheap. I've seen many of my clients go through the process and it's could be tens of thousands of dollars, depending on where you live and issues that you have. But then as you look at it, I think to another key part of what you're saying is it's setting that gold realizing. Look, this is what we want. We're gonna work to get it, do whatever it takes. We're gonna work to get it. And once we have it, okay, now we can focus on something else,

spk_0:   7:07
right? And that's exactly it. It's setting goals in an understanding, right? Like some things like life happens and it's like, Okay, I'm I'm really glad you followed the baby steps and we have an emergency fund and we've had to deplete the emergency fund and then bring it back up. And I'll tell you, that is one of the most boring things of this. This journey. And that's actually where we are now. We could offer to accept our mortgage paid off this summer, but now we're trying to refill our emergency fund, and it is just I love the idea of saving for something more exciting, like a face like that. But goodness gracious, I really shake it, saving up an emergency fund. But it's a vital part because life happens.

spk_1:   7:46
So how did you finance has changed since you had kids. That's something that's important to me. Obviously having six Children

spk_0:   7:51
did you have to pay for day care?

spk_1:   7:52
Luckily, no. So my wife stayed home the whole time, So luckily, I've seen many clients that have had to and very, very expensive. But luckily for us, my wife has been able to stay home, our whole marriage,

spk_0:   8:02
I think day care is just the biggest expense, and it's so frustrating to because even even you're paying so much and the data workers, they get very little. And so there's a huge turn through daycare, two of the teachers that your kids grow to love. So that is, by far and away. Childcare is just a huge, huge expense for us or we're at for the two kids. It's about 24 grand a year, so you have to figure out, Is it worth it for you to stay at home or go to work and make more money that way? Or is it not? And then you can always try to work out a part time situation. But that probably for us is the biggest done. I had a friend once, his kids went through daycare. He actually bought a pool with the money because he's like, I know I'm gonna have to pay for this expense as kids get older. Sports, too, is a huge expense, like not 24 grand a year, expensive.

spk_1:   8:55
I think that's one of the things I mean, if you don't realize I know when we first started, we had four kids under the age of five and younger. So we had the 1st 4 very close together.

spk_0:   9:04
Yes.

spk_1:   9:04
And then the next two came five years later, Diapers, formula, all of those things. And like, how you gonna handle this? You know, now, like someone laugh because although it was very expensive Well, now, obviously those four kids are in college. Three of the four, the fourth one's going this next year. My other kids are in private school here on the island. And you're right, I'm sitting there going. I cannot believe how much my budget is going to education, but I wouldn't have it any other way. Obviously, I want him to get educated. They realize that's an important part of the process, and you do it. But it definitely changes your budget. I often talk to people. It's like I could have all the portions I wanted. But instead I chose to have kids, and I'm very grateful that I did. It's like the cost of them. I could have bought any car. I want it out there, never had to worry about it. But again, I think it's making those priorities. You're making some very critical points for people to understand. Let's talk a little bit about your importance on the family finances. I know that something is very important to you. Is not just doing it alone. Can you talk a little bit about why that's so important to you and why people really should make it a family matter?

spk_0:   10:06
It's interesting because you listen to a lot of advice and there's a ton of good advice out there. But it's very much focused on an individual perspective, and I think that's really good starting out. If you want to change anything, your diet, your lifestyle, how you spend money, anything like that, it's really important to see if it resonates with you first. But then, if I I listen to something, I quickly think, Okay, how is that going to change my family life? I want to change my diet and do something like Ito or 30 or something like that. Okay, how is that going to hurt and B two toddlers? And in my experience, it doesn't work necessarily too well when you have a toddler that frowns at anything green that arrives on his plate. So it's things like that. It's getting everyone on board as much as you can and making sure that you're a least going in the same general direction and everyone might not want to do with the exact same way. But it's the whole House effort to get everything in the direction that you want for your goals.

spk_1:   11:06
So it's a pretty easy for you guys to get on the same page initially. Or is one of you more of a spender Want to be more of a saver?

spk_0:   11:14
100%? My husband is the saver, and I am the spender. So he was always really focused on finances. He nerds out on that and and I let him do that. But for me, it was like, Okay, what's our budget? And we would talk about it, and I would always feel very constrained by it. And it was until that we really, instead of talking about the numbers, were more talking about the goals like that. It was just a It was a slight change in the conversation. Well, what do you really want out of this? Whatever this would be out of this year out of this vacation on of these gifts that we're gonna do for Christmas or something like that, then you're really kind of focusing more, and it's like, Okay, I have a better just a better understanding and I can get more on board with that with him. But it's like, naturally, I am the spender because I'm the grocery shopper. I'm the one that's doing the gifts. It's easy for him to set a budget when we're if we're not on the same page. But that's what really helps. We have budget meetings, probably about once a week. We go over the numbers, we talk about where we're at if we got some big expenses going on, and that really helps, because we're we're talking about goals, not just once a month, but you know, pretty often at least once a week. And it helps refrain minds thinking, too. Before I started spending and I say spending just any time you're buying anything, we have your buying just the normal groceries. If you're buying just the normal clothes or doing the car maintenance or anything like that,

spk_1:   12:37
I think that's one of the biggest problems that most couples have is they just can't openly communicate about these type of things, whether it's their own fear of what the other one's reaction's gonna be, whether it's just a belief that they're not gonna be on board. I'm not sure for each couple. Obviously, it's gonna be something different, but to me, that's one of the biggest problems I've found. Even in my own marriage. If I can communicate something with my wife on a consistent basis, we pretty much can get through anything. And we can pretty much make the right decisions if we're working at it together.

spk_0:   13:05
I totally agree with that. Last year we had some money come in that I was pretty excited about, and it was a busy time of year and I deposited the money and just let it lie. And then I started to buy some things and my husband's like, What are you doing? We don't have any money. I'm like, What do you talking about? And he later showed me He's like, Let's look at the holes that we kind of plug just because we have a budget, we have a deficit here, deficit there and I was really upset before we had that conversation and now and then I walked away. They like Oh, I understand. And he too walked away. I'll speak a little bit for him saying Okay, we need to talk a little bit more about if we have some things going on. Where is it going? And why is it going there?

spk_1:   13:47
Yeah, very important that you have those open communication. They're not always gonna be pleasant. I mean, that's the other thing that people need to realize. Communication in a marriage isn't always about both of you completely agreeing day one on what's goingto happen. It's basically being willing to continue talking until you can both come to a negotiating point to say, Look, okay, I'll give on this area. You know, this is very important to me and I want to have it and you get on that area and we can come to a compromise and still achieve the goals that we're each trying to accomplish.

spk_0:   14:15
Yes, and I remember early on in our budget conversations, it was not pretty. I mean, it stinks. It's right there in black and white, or maybe black and red and then depending on your spreadsheet, colors off kind of your bad habits. It's something that you can't necessarily turn away from once you start doing it, but it's it's doing the work being like instead of feeling bad about what you did in the past, it's reflecting and say What can I do for you moving forward in the future because you can't fix those financial mistakes?

spk_1:   14:43
And I think another key thing that people need to realize is you're going through there is it isn't an opportunity. Just pick on the other one as well. And I think that can happen, especially when you're first getting started that it's very easy to see all your spouse's bad habits and try to bring those to the forefront without looking either at your own or or maybe again, you're in a situation. You've been very financially responsible. They're just not. But if you're just going to set nit pick what they're doing and the raid them, you're not gonna get anywhere when it comes down to it.

spk_0:   15:09
I think that's right. I think it's going in with a mindset instead of looking at Yes, you do this and I don't do anything or anything bad. It's going in and being like, how can we work on this together? I think That's a really good point going in and knowing that this isn't a battle or maybe it isn't a battle, but it's a battle that you're in together.

spk_1:   15:28
You're not there to tell each other what to do. You're there to help come up. Solutions allow each other to come up with solutions to work together. Now. Obviously, we need to make recommendations of time today. I think we have to do this. I think we have to do that. But I think many times that we can allow them to come up with their own solutions. We end up with better results, and for those of you out there that are struggling with your marriage, they're struggling with your finances. If I could give you any advice, it's to just keep those lines communication open. And again, don't go forward with it, trying to force it down someone's throat. You've got to be open, build the opportunity for them to make their own decisions, to start making the changes themselves.

spk_0:   16:04
Something that I would like to work on to that we haven't figured out a perfect way to do it is my husband's, an engineer and he has all these Excel spreadsheets and understand itself and everything like that. But they're really boring. Look at five. We're you know, we're looking at something like, What is the perfect software out there? And we have not yet found that something that I can quickly glance that so that I'm not always using it. So it's It's something that we're still working on in this. I don't want to say that we're cool by Ah, we hold hands every week and during our bunch of beatings and say, Wow, this is so wonderful.

spk_1:   16:37
E think you bring up a very important point, though, and that is that the same method doesn't work for everyone. For our family, I do most the financial accountability sight of what goes on. Likely, we've been in a position that my wife's been able to. She's not a big spender, so she's kind of spend what she wants because she's not gonna go crazy and by $1000 item or a $5000 item, and, you know, that's just not gonna happen. That's not who she is, so it allows her to buy the thing. She wants to buy her biggest thing for her was she wanted to go to the grocery store, never have to worry about what she bought there. And she's finally, to the point that she's able to do that. In our early days, she did a lot of couponing. She did a lot of things to get us to this point. They think it's being able to understand where each person falls and really what we're trying to accomplish.

spk_0:   17:20
Yeah, I totally understand that, and I totally relate with your wife on the hat. It would just be so much easier. Just go to the store and just buy what you need to get the heck out.

spk_1:   17:28
It was really funny because in our early marriage we had an opportunity. We're in a business where we went out of business trip and we went to the home of the owner who owned a beautiful home in the land of Georgia. I mean, it was a multi $1,000,000 homes, something we've never really been apart. I've never seen, and she talked to the wife and the wife talked about how she just loved being able to go to the grocery store and buy whatever she want. That was the most important thing that just hit a chord with my wife. They're from then on. That was her big goal. She's like, I just want to stop This coupon is I want to stop having to worry about. Can I buy the name brand or do I have to buy the generic and is gonna be the same quality? And for her, it's been great because for the last 8 10 years or so, she's been able to do that. It's really helped her because that's fulfilled her need to spanned, which then has allowed us to continue to budget and do the things we need. Thio, Because for her, that's important thing for me. It's travel again. I want to go on a nice vacation with all the kids. I want to spend a week or two in some foreign country and be able to enjoy the time together. That's where I'm gonna blow. Unfortunately, much larger amount of money. But it's gonna be once a year, maybe twice a year,

spk_0:   18:32
right, right, right. I think that's really smart. Just identifying what your priorities and understanding each other and what what their priorities

spk_1:   18:39
so talk a little bit about starting the family. If I project what got you interested in starting to do financial blogged?

spk_0:   18:46
We talk about money all the time. So my husband and I always talked about that. And my it's ah, it's sort of a funny story. My cousin is, ah, financial blocker. And so and she runs reluctantly and lords on it and she's been going to fin con or I think, five or six years now have you been the fin con?

spk_1:   19:06
I've never been there yet. Now I've read about it, but I've never been there.

spk_0:   19:09
Okay, so she's just been hounding me. She's like, You should go. You should go. You should go. And I just wanted to go just to see what it would be like. And it's interesting, Like to talk with people that are also frugally minded and things like that. So there was an opportunity where was in D. C this past year, and the stars align where I have my uncle were there, they were able to get me from the airport, and I was able to stay with my cousin and her hotel rooms. We sure that we have it was just really funny because we hadn't bonded like that since we were kids. So I was like, Yeah, yeah, So I went to fin con and opened up my world Seeing like what people are doing to help spread the message and whatever their messages, you know, it could be frugality. You could be talking about credit card hacking. It could be talking about just basic budgeting. It could be talking about any other thing. And it was really, really just mind opening to go to this huge event where people were so kind and so nice you hear about that? But it's like to experience it and you with people that many of them were financially independent. And there's an ease with that. There's no competition there. Just like here's all this knowledge I have and let me share it with you. And I loved it. I drank the Kool Aid. I thought, This is awesome and I my husband, I just after years of doing for reality and doing budgeting and and just trying to have the family that we have all of those lessons I'm like, we gotta put my own our own message out there. That was the instigator going to fin con and it got my gears turning. Just what could we D'oh?

spk_1:   20:43
Well, I think it's super cool that you focus on the family, that you focused on that important unit again. I think it's something that the financial industry is not providing enough effort. It's very interesting, in fact, when one of my clients is one of the top timeshare salesman in the country, and I want to go to one of these events once because I want to see how it works. He's like, Dave, you can't come and I'm like with me. I'm in Vegas all the time by myself. We have an office there, so I travel there all the time. I'm like, I have absolutely nothing to do and I'm gonna go to bars and I'm gonna go the casinos and not going to do all these things. Let me come to any re bats, he says. No, it doesn't work that way. We have tohave the husband and wife together or you're not invited, and I'm like, Well, why is that the case? And he says, because if not, you're gonna have an excuse for not being able to make a decision We know that with both of you there than both decision makers were there and we could get decision. And I think unfortunately, in the financial service world, they don't focus on together enough. You're decided you're trying to sell something. However, people feel about timeshares that's up to you on a positive side. When you're going into my house, my car do these other things many times is very secluded. It's like, Hey, you just do it by yourself And then you can worry about your spouse when you get home. We're not gonna get involved in that side of it,

spk_0:   21:55
right?

spk_1:   21:55
Much nicer. If society is a hole, would insist that, Hey, if you're married, you need to start making more of these decisions. This couple, I think we'd see a lot more progress and people making a lot better decisions.

spk_0:   22:07
And it's certainly easier. Yes, when you have your your spouse with you and lock stuff of yes, we're going to do this. It's very smart of your client to do that

spk_1:   22:16
very interesting to see how that world works and the way they do things, and I didn't realize it for I thought it was really odd when I walked through the casinos of times go to hotel room or something, and I'm like these guys were approaching everybody but me. And then when he explained that I'm like, because I'm the single guy locking through the couples, they're approaching these other people that were there with vacation together, which is obviously what I wasn't there for. So I know you guys have had a bad business experience up to this point, and so question to you would be and you have to get into all the details of it. But what did you learn? First question and to Would you do it again? What business be something you do in the future.

spk_0:   22:54
It's interesting because it's like What did I learn? And it's like a whole lot. When my husband started to do this, it was with a really good friend and it's win. Our finances were very separate. My husband has his finances and I have mine, and we have one communal joint checking account that we both contribute to just to cover the basic costs. Yah, Yah! Yah! And we weren't married, but we were living together, and so I just stayed out of it. I was like, This is this is it. You know, I'll let you do what you need to dio on. I don't think it was anything bad. There was. It was just a lot of money, and I wasn't necessarily. I just wasn't paying attention. And eventually it was like, as we became closer and closer with our finances, I realized the depth of of how much was invested and I was like, Is this something to what we necessarily want to do? It wasn't necessarily bad. And I don't love that. We spent all this for this money that we didn't get a return on. But we just weren't on the same page. And then as our relationship grew stronger, not married, and after all, all that we're combining finances. That was just really interesting to be like, Okay. Is this what we want to d'oh? Yes, we're friends. But is this something? Is this a path? And it was interesting way that my husband was really kind of developing the way he wanted to spend his money. It was changing them from the business, our business partner, friend. And it's not right or it's night not wrong. It was just different. And so I think a good lesson that we learned was like, Okay, let's take a step back and preserve the friendship because that was ultimately our goal and we were able to do that do, to a large extent. I'm really happy to say that. So the lessons that that we've learned I wouldn't necessarily invest with your friend. You hear that? But it was interesting because we didn't live at that time in hunted on a not tropical island outside of Buffalo, we lived far away from our friend. So it was a way that my husband and his friend could stay close. We live far away, and it was way that they could talk on the phone every night and strategize with the business and things like that. So the intentions were 100% pure and good. It's just over time it evolved into something that just no longer mind with what we wanted to D'oh!

spk_1:   25:15
So what do you do it again? As far as just business in general now, not obviously saying you need to go in with friends or family, or

spk_0:   25:21
I would you know, because it was part of it was real estate, and I still really like real estate. And I would love to get into it. I wouldn't do it the same way. So yes, I would I wouldn't do the same way we took money out of our 401 k would not have done that. Would have slow rolled it more and talked more about as the business, you know, because you think I'm gonna start this business. Well, then things change. You know, you have this ideal math of the way things go. It's not necessarily happening. So it's like, Okay, how do we change it? And does that still make sense for us for what we're doing with our money?

spk_1:   25:57
And I think the key there is us, you know? What are you guys doing together? And I think that is the key. I know I did one decision on my own one business decision. I've done tons of businesses. All of them have been approved by my wife, but one and it went south. And it really affected our marriage. And I look back on it and like you were so stupid she kept telling you not to do it. You know, in fact, listen, would you, like, just do not do this in the business guy. Big ego. I'm like, actually, yeah, yeah, Your stay home, Mom. You know, I'm completely wrong. Completely place that I've come from that I definitely don't feel that way about her at all anymore. Said looks this Ah, her decisions and her opinions are very important for me. And I need to listen to those. And luckily, it happened early in our marriage. And so I woke up very quickly and said, Hey, this lady oftentimes knows way more than I do. She may be staying at home and not doing what I'm doing, but she's paying attention. She's very smart. She's obviously ableto run. Our family are better than I ever could like. I need to listen to her. And as I started to do that, our finances started, get better. Our marriage got better and we start having much, much more successful. We were doing

spk_0:   27:04
that makes that makes total sense. It's you Look, hindsight's 2020. You think? Of course, why should we let me do that? And so I totally understand You look back and think. Oh, I had ego involved or something like that. But you make the best decision you can at the time, and it's important not to beat yourself up over it and just try to move forward.

spk_1:   27:21
Yeah, that's the important thing is, well, you just need to look forward if you made bad decisions in the past. Prosperity Nation If you've done things that you shouldn't have, if your marriage, even your relationships, not where you want it to be, put that stuff in the past. You don't have to worry about what's gone on behind you. In fact, many times it's what's gone on in the past that makes us who we are going forward and gives us the strength to be able to make those good decisions and to do those things that we really should be doing. So very great advice cat as far as what people should be looking at, and that's the future.

spk_0:   27:51
That's right. This might get a little bit woo, but something that's really been interesting for me is taking time to reflect every day and doing some type of meditative practice or something like that. And sometimes I just cringe so bad on past decisions that I've made. But really, it is that what can we do? Moving forward? And that's something that meditation has really helped me. And it's like, Okay, next s I can I don't want to dwell in the past. What can I do today so that I can put my head down at the my pillow at the end of the day and say, I did? I did my best And I'm going to do these things better tomorrow.

spk_1:   28:24
Such great advice while our times come and gone. Unfortunately, we're out of time. Can you tell the listeners how they can go to your blogged? Learn more about the family if I project and what you're doing?

spk_0:   28:35
Yeah, it's just family five project dot com. It's family F I project dot com. That's where you can see me, and we're starting to document our progress and all the things that we're doing.

spk_1:   28:45
Thank you so much for being on the show today.

spk_0:   28:48
Thank you so much for having me. I really had a good time.

spk_1:   28:51
Prosperity Nation. You have been listening to the prosperity gap. This is a show where we help you bridge your gap between the life you're living in the life you should be. My name's Dave all I've been your host. For those of you, they're not yet subscribed our show. Please take the opportunity to do so. So every Friday, you can have in your inbox access to our new shows. What's going on? You can continue to learn about the various things were doing to help improve the financial stability of not only your family and those who listen to us, but also, hopefully, the world as we continue to battle this thing called financial literacy.