Aug. 5, 2026

Redefining Return: What Investing Like a Mother Can Teach You About Wealth

Redefining Return: What Investing Like a Mother Can Teach You About Wealth
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Season 2

After two decades advising the world's biggest companies on where to put their money, Tina Berger started asking a different question: what else should count as a return? Invest Like a Mother, challenges the idea that investing is only about stock-picking. We explore what changes — in your finances & in your life — when you widen the lens on what "value" really means. If you’ve ever wondered whether there’s more to wealth than the balance in your account, this conversation is for you.

Ask Good Questions is broadcast live Wednesdays at 6PM ET on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Ask Good Questions is viewed on Talk 4 TV (www.talk4tv.com).

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WEBVTT

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The topics and opinions expressed in the following show are

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solely those of the hosts and their guests and not

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those of W FOURCY Radio. It's employees are affiliates. We

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make no recommendations or endorsements radio show, programs, services, or

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products mentioned on air or on our web. No liability

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explicitor implies shall be extended to W FOURCY Radio or

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its employees are affiliates. Any questions or comments should be

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directed to those show hosts. Thank you for choosing W

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FOURCY Radio.

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Welcome to to Ask Good Questions Podcasts, broadcasting live every Wednesday,

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six pm Eastern Time on W four CY Radio at

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w fourcy dot com. This week and every week, we

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will reach for a higher purpose in money and life,

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as well as a focus on health and wellness. Now,

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let's join your host, Anita bell Anderson, as together we

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start with Asking Good Questions.

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Hey, hello, and welcome to the Ask Good Questions podcast.

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My name is Benita bell Anderson. I am your host,

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and we have got a show today that this is

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going to be a financial show, but it's actually I

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have to admit maybe some of these questions that we're

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going to ask today, I have never even asked, and

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so I kind of like to push myself sometimes, and

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so we're going to do that today. I have a

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very special guest with me. I'm going to invite her

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to the podcast stage now, and I'm going to tell

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you that Tina Berger is probably somebody that has made

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me ask some questions maybe that I've never asked, and

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about finances. So let me before we get into this,

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I want to give you a little bit more information

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about her. She's the author of invest Like Mother. I

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actually have a copy of it here and I was like,

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what invest Like a Mother. She's also a Tedex speaker.

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She's a former investment advisor who spent more than two

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decades helping Fortune five hundred companies realize business value from

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investments in innovation and digital transformation. So she is asking

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a different question these days. What if investments were measured

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not only by financial returns, but by the future they create.

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Think on that and chew on that for a minute.

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Through her work, she challenges the assumptions that shape how

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we think about money, leadership, and value, inviting audiences to

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consider a more expansive definition of return, one that includes

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our relationships, our communities, and the world we leave for

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future generations. How about that her conversations inspire people to

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see investing not simply as a financial act, but as

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one of the most powerful ways we shape the future.

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And boy, I tell you we need this in today's world.

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Have you got anything to add to that, Tina.

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That was a mouthful. I think you got it all well.

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And you know, I was like last night, I was like,

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I didn't get a chance to read the whole thing,

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but I was flipping through and I've got different pages

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down because all she's doing throughout this whole thing is

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asking questions.

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That's right, this is the right podcast for me.

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Right, I know because she reached out to me and

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so I was like, oh, I've got to get to

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know this girl. So let's start kind of at the beginning.

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You spent twenty years advising Fortune five hundred companies on

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major technology and innovation investments, and what was it that

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got you interested in that kind of world?

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It's thank you for having me here. By the way,

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I'm really excited to be a part of your show

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because when I saw what your interests were and the

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way you're kind of blending focus on kind of holistic

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wellness and then the financial picture. It really does speak

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to me. But yes, I'm naturally a very, very curious person.

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And I entered the world of business right after graduating university.

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I was working and I got my degree in English literature,

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which is funny, so I went straight in as a

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they just I went in as a as a writer.

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I was doing technical writing, so I was writing process

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documentation and policies for big corporations and so that took

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me into a lot of it. So I was really

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interviewing people about what their work was, and some of

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that was from finance, some of it was in engineering,

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some of it was in operations HR. So I really

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got this kind of picture of how different parts of

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the business work and the kind of brain that I have,

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And it might sound boring for some people, but for me,

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it was a really delicious thing and to try to

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understand how all of these things fit together, given that

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I didn't have the background of education in that space.

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And so I was there in the nineties when you know,

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sort of desktop applications came in to support business processes

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and all the data started to get integrated in enterprise

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resource planning systems and things like that, and I naturally

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was fascinated by that. And then I kind of moved

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from listening to how people do their work to supporting

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them and doing it using you know, a keyboard and

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amounts and a whole different kind of application. There.

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Everybody was learning how to use those.

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Things, that's right, and so that's where I sort of

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that's where I kind of cut my teeth. And then,

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you know, throughout the evolution of data and digital, which

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has been quite a ride, that's kept me really busy

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and really fascinated. And also, as I said, sort of

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working in all these different realms of business, seeing how

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different people did their work was really interesting to me.

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Well, what's what's fascinating to me is you. I had

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a Tina. No one who's ever asked me these kinds

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of questions, and you know, I've been in the I've

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been doing advising and wealth management for twenty five years.

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So when when you surfaced, I was like, she's talking

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about in a completely different way, and I understand the

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English back because you're talking about a different way to

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define things. So was there in a moment or was

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there some kind of experience where you were starting to

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frame a different way to define what a return was.

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I think you kind of hit it in like the

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way that my curiosity manifests, and let me understand that

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and what's behind that. I'm kind of a digger, I'm

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kind of an excavator of what's at the heart of

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that and what's behind that. And so it was really

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a series of moments and observations over time, because I

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had a perspective earlier, and so I did have a

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short stint as an investment advisor, as you say, kind

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of in between my initial technical writing work and my

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later management consulting work. So I had that perspective, and

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then I was often in conference rooms with leaders that

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I really admired and appreciate, shiated who I was watching

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them consistently being Ah, these were like people that care

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about the future, that care about the environment, that care

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about their employees, that care about their communities.

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Well, and they're successful people.

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And they're successful people, yes, but I kept seeing the

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impact of this kind of unrelenting pressure to serve these

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financial market performance targets quarterly and these leaders I'm watching them,

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how you know, being this tension of having to override

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what they really believe is the best way to do

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this to the best way to run the business, uh,

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but then having to not do it that way, having

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instead of having to make these compromises away from what

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they think is right in the long term. And it

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was It was those kinds of moments and I have

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I mean, I could tell you a story after story

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after story, and very recently same story of this is

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not something that I feel like serves the long term

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viability and success of the business, but it's something that

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I have to do or I won't be here next

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year to make a decision. And so I remember thinking

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investors don't realize this. You know, we're kind of encouraged

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as from the investor point of view, not to not

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to really delve into too much of that. It's like

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a lot of times we're kind of investing in indexes

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these days, or we're trying to do you know, we're

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kind of handing off the responsibility because sometimes it feels

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like that that realm is quite complex. So it's like

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they don't I kept thinking, people who are investing don't

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know that this is what it's you know, this is

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the result of it, or this is an impact of it.

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Right, Well, there's no way I mean, you know, in

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our case, we're we're we're investing globally all over the world,

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thousands and thousands and thousands of companies. There's no way

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you could know what would be the impact of any

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one particular investment.

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That's that's right. And I think that we've gotten into

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that space because you know, we're trying to manage and

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I say, like i'd say from the financial advisor point

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of view, there's there's a couple of different pieces, but

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you're trying to manage risk for your clients, and part

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of the way you do that is by being diversified.

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And so there's this kind of abstraction, this distancing from

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what the money is actually you know, participating in what

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is it actually funding in operations of these large, large,

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large corporations now so many of them are bigger than

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most countries, grow statistic problems.

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I mean, it could be they could be really good things,

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they could be really bad things. There's really no way

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to know, you know, there's it would It's like I

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don't As I was thinking about that, I was actually,

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you know, just contemplating this last night and just going

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how much time would it take? And so we're gonna

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I mean, we're going to get into this because this

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is like bending your mind around different way to look

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at this. Let me ask you, so you were driven

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then by all of these questions that you're having to

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write this book? Yes, uh, where did that? Where did

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that title? Invest like a Mother? I mean, because then

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you've got a definition of what a mother is.

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Yeah. Well, okay, So part of the fun of invest

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like a Mother is that I thought it was a

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little bit of a catchy title. But the but the

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the other piece about it is that it's a bit

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of a relooking, a reclaiming, a coming back to how

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we're using the term investment. If if like if if

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I say I'm invested in my team and the success

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of my child and my community, I'm invested in it, nobody,

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everybody understands what I'm saying is I'm devoted to stewardship

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of this, tending that's taking care of this That's a

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bit of a maternal I mean, obviously everybody's got this capacity.

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So I'm not really just trying to be gendered about it.

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I'm more was kind of trying to reconnect people with

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the devotional aspect of investing, of being invested in in

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a future, in the growth of something, and and and

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for mom, for mothers, A lot of times this is

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like life. It's being invested in in the continuation and

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the stewardship of life. Whether it's like whether it's your

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garden or your children or whatever. But when and when I'm.

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Very invested, I'm very invested in my children, I'm very

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invested in my grandchildren. I'm very invested in my garden.

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Yes, and so in I feel. You know, My observation

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is that a lot of times when we move into

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the finance conversation, and the way the investment is often

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kind of explained to people is it's an investment. Is

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something we're actively encouraged to disengage from, you know, just

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allocate capital, invest in indexes and funds and then just try,

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you know, reallocate every year, but don't look at it

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the other way to do that.

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There's another way that that happens to Tina. I can't

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tell you how many times I've had somebody say, oh,

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you just take care of it, you just take care

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of it, and I'm like, sure, Oh, I want you

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to understand what you're investing in. And now it's like oh.

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Yes, And I'm not making anybody out to be the

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bad guy here. It's again, it's become it's become a

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habit because people are very busy and overloaded and overwhelmed. Yeah.

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Yeah, well, so that main question that you ask is

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what else could what else should count as a return?

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It's like when I first saw that, I went, what

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you know, It's like it's kind of like turning a

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question around on itself because I don't think I had

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ever thought about it in those ways. How do you

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answer that for yourself? How do you answer that what

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else should count as a return?

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Yes? I think return. It may be the slightly maybe

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it's slight, maybe it's my slight confusion, or maybe I

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haven't been super clear about that. But when I think

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about return, it's really benefits to me as an investor, right,

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it's the financial return. I might also have a really

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good feeling about what I'm invested in because it is

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something I feel devoted to. But then there's always two

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there's two sides to every investment. It's a relationship that

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you're setting up. Whether you sort of look at the

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other side of it or not is up to you.

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But there is a relationship because you are invested in

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a company that has activity that it's doing in the world,

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and I feel like, so to really understand but what

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return is, you've got to look at that side too

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and say, are there benefits on the other side of

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this investment too, Are there benefits to the community, is

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there a benefit to the planet, or is it really

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you know, is it really serving just that one, growing

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the earnings, growing the bottom line outcome, just to bring

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money back to us, right, just to get a return

246
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on the capital that we've invested. So I feel like

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that's the piece where we sort of get we sort

248
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of cut it off, and we're kind of like, that's

249
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not really our business, you know, what they do with

250
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this is not our business. What our business is is

251
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about to reallocate our portfolio. So the way we've defined

252
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risk is also very narrow. So we're looking at risk

253
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to our own portfolio, but we're not looking at risks

254
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based on what our money's doing, like the broader risks

255
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environmental risk, community risk, employment risks for so many people,

256
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I mean, in the service of these these quarterly targets,

257
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we're seeing a lot of people here recently, very publicly

258
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losing their jobs.

259
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You know, well, well, you know that really is true

260
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that my entire financial life has been about financial performance

261
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and ways to mitigate risk and how to do all

262
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of that. But what your doing is you're taking that

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financial performance and then you're talking about how does that

264
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affect communities, how does that affect the world, And you

265
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could have conversations about well, like probably the easiest one

266
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would be climate change and environmental factors and things that

267
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happen with companies that affect the environment, good, bad or ugly.

268
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So so would you say that it's an incomplete picture

269
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then that that we're not looking at it the way

270
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we should.

271
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Well, I feel like there, you know, everybody's got their

272
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needs from the point of view of financial planning, right Like,

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I don't think we get away from that. You don't

274
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say I'm doing my investments just to support you know,

275
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a sustainable future right for the planet. But there's a

276
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balancing and there's an integrity in making sure you're looking

277
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at the pas that I think is important. But then

278
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there's also this possibility that we start with a slightly

279
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different question, which you know, I think are at least

280
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my observation is often the question is what's your return.

281
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What kind of return are you getting? And or what

282
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kind of return can I get if I invest in this?

283
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And I wonder what happens if we start I mean ideally,

284
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and I know good planners do this with folks. What

285
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do you need? You know, it actually serves the needs

286
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of your family and yourself such that whatever the impact is,

287
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you kind of got to do it anyway. And then

288
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but where, but also where is the possibility that we

289
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could maybe look at things that have a little bit

290
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more of a reciprocal picture to them, for example, more

291
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local investment where you can actually drive up and see

292
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what's happening to it, right like, So there's some things

293
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where you might if you're really thinking about it differently.

294
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So I think what this is intended to do is

295
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kind of plant some seeds so that people slow down

296
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a little bit and go, could I carve out a

297
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little bit of this here and do something that really

298
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does feed the more reciprocal you know picture.

299
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Right Well, I think we really need to get into

300
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some practical application because I can just I can just

301
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hear people going, what are you talking about? You know,

302
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because I think that it's probably a little bit harder

303
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to measure impacts on communities, and you know how it's like,

304
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how in the world do you measure that? If you're

305
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not just measuring things by return?

306
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Right? I mean, I think there are indicators out there.

307
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For example, Like so if we sort of start with

308
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the kind of typical picture we could look like of

309
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a corporation, we could kind of say, what we're seeing,

310
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for example, Oracle is that they've laid thirty thousand people

311
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off and they're investing in large data centers, right, so,

312
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and then they took out a lot of loans right

313
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after paying huge dividends out to folks that are not

314
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your typical investor. Right, so we can look at that

315
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and say, I don't know about that. But or you

316
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could sort of look away from that and going and go,

317
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that's not my that's not my business. I don't own

318
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any of that. But if you're in an SMP five

319
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hundred fund, do you own some of that? Probably a

320
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significant piece depending on how So, so I think we

321
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can see some of the impacts. Can we measure it

322
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like it does it go in a spreadsheet?

323
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No?

324
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But we feel it. These are our neighbors, these are

325
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our friends, these are people, right, And so then I

326
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would say, like I was saying earlier, I don't think

327
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that the initial ask as far as what to do

328
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is rush out and make a bunch of change to

329
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your portfolio.

330
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And I appreciate what you did in your book because

331
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basically it's kind of like baby steps, because you could

332
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you could overwhelm somebody really badly here. So you know,

333
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I really appreciated how how you said, well, just just

334
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do one thing, because I'm sure that there's going to

335
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be people that are going to say this really feels

336
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right to be thinking and expanding how I think about

337
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about this. But let's get into some practical application. If

338
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someone who's spent their life investing purely for return is

339
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going this makes a lot of sense. Where do they

340
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even start in expanding that definition?

341
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Well, I think I know this to a lot of

342
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people doesn't feel like action because we're really habituated to

343
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thinking about action as sell this, buy that, do this,

344
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go out in the world and make things happen. But

345
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sometimes what needs to happen is the process of digesting information.

346
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And I do feel like if you try to rush

347
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this process, you will overwhelm yourself and it'll want you'll

348
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want to turn it off. You know what I mean,

349
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it's a lot to take in. So I feel like

350
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one of the most important first things to do is

351
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just acknowledge that you are investing and look at what

352
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you're investing in, just to kind of own it. So

353
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the example that that I gave you is like, we

354
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all are going to have impact, there's no way around it.

355
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Like I travel. I love to travel, and I fly

356
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to travel, and I know that has impact on the environment,

357
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and so I never put down that knowing, like I

358
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sort of carry it around with me and it makes

359
00:22:49.960 --> 00:22:53.480
me appreciate my travel. It also makes me look for

360
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other alternatives when there are alternatives. So it's a tuning

361
00:22:58.680 --> 00:23:01.680
that you're trying to do to other alternatives. And once

362
00:23:01.720 --> 00:23:04.000
you once you decide to slow down in tune a

363
00:23:04.000 --> 00:23:07.000
little bit, it's like those things start to show up.

364
00:23:07.000 --> 00:23:08.960
It's like when you decide, hey, I'm going to buy

365
00:23:09.000 --> 00:23:12.160
a new car, and I think I'm looking at you know,

366
00:23:12.720 --> 00:23:19.599
whatever Toyota Celica's that's I think, yeah, that is. But anyway,

367
00:23:19.599 --> 00:23:22.079
if you whatever car it is, you get in your mind,

368
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you start seeing them everywhere. And so part of the

369
00:23:25.079 --> 00:23:28.680
point is is you're tuning yourself to pay attention to

370
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other possibilities. Uh, the book provides a good a good

371
00:23:36.240 --> 00:23:41.039
set of undernown types of investment alternatives.

372
00:23:41.119 --> 00:23:44.240
Yeah, there are, there's some great suggestions.

373
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And if I start talking about them, I know I'm

374
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going to like overload people at this stage. But I

375
00:23:49.640 --> 00:23:55.240
would say that there's a growing kind of ecosystem of

376
00:23:55.519 --> 00:24:00.880
undernown alternative investments. People are doing really interesting things. I

377
00:24:00.920 --> 00:24:04.480
can speak to one. I think one example would be good.

378
00:24:04.839 --> 00:24:08.880
So there's a friend of mine, Yeah, quickly, do I

379
00:24:08.920 --> 00:24:12.720
have time. So there's a person that I recently met

380
00:24:12.799 --> 00:24:17.119
who was he's an entrepreneur and he runs He's done

381
00:24:17.119 --> 00:24:19.920
several different technology startups. But he grew up in a

382
00:24:19.960 --> 00:24:24.440
part of Houston that was redlined. It was a Mexican

383
00:24:24.480 --> 00:24:28.480
American part of the city, and a lot of his

384
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neighborhood is now kind of being bought up by at

385
00:24:31.680 --> 00:24:35.519
outside developers, and so he decided to run and put

386
00:24:35.559 --> 00:24:39.680
together a community investment fund to enable his neighbors with

387
00:24:39.880 --> 00:24:44.160
as low as one hundred dollars to contribute to a

388
00:24:44.200 --> 00:24:46.519
fund where they would buy a piece of property and

389
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a business in their own neighborhood and participate in that development.

390
00:24:50.440 --> 00:24:52.119
So things like this are happening.

391
00:24:52.480 --> 00:24:56.720
Yeah. And one of the other things that I appreciate

392
00:24:56.759 --> 00:24:59.480
about what you did in the book was not saying

393
00:24:59.680 --> 00:25:04.759
throw your entire investment portfolio at something like this. Just

394
00:25:04.920 --> 00:25:08.799
take take a little piece or you know, I mean

395
00:25:09.039 --> 00:25:12.160
maye and just like find out you know, have your

396
00:25:12.440 --> 00:25:15.319
have your majority that you have set aside, you know,

397
00:25:15.759 --> 00:25:21.039
say where it is, but allocate something to explore this

398
00:25:21.559 --> 00:25:23.920
some one of the easiest things that you said in

399
00:25:23.960 --> 00:25:28.720
your book was go consider being part of a credit

400
00:25:28.799 --> 00:25:32.799
union instead of a regular bank because credit and I've

401
00:25:32.799 --> 00:25:36.640
been a member of a credit union my entire life,

402
00:25:37.599 --> 00:25:41.759
and every time I've had things that I've done with

403
00:25:41.759 --> 00:25:45.839
with like the big banks, I always come back to

404
00:25:45.880 --> 00:25:46.799
the credit union.

405
00:25:47.559 --> 00:25:51.880
Yes, many of them do also fund things that are

406
00:25:51.920 --> 00:25:54.359
local to you that you can learn about and get

407
00:25:54.359 --> 00:25:58.880
more involved with, so I would say, And another thing

408
00:25:59.000 --> 00:26:02.400
is just reach tuning yourself to understand that you're investing

409
00:26:02.440 --> 00:26:04.759
in a lot of ways. So if you think about

410
00:26:04.839 --> 00:26:07.400
the fact that like what is it that you're devoted

411
00:26:07.440 --> 00:26:11.359
to where you give to is it Houston Food Bank?

412
00:26:11.440 --> 00:26:15.759
Are there arts associations that you could give you it's

413
00:26:15.799 --> 00:26:18.960
really tuning into them. As this is the same portfolio

414
00:26:19.599 --> 00:26:21.799
but you could be more mindful with it. It could

415
00:26:21.839 --> 00:26:24.000
be less of a tax write off of that's my

416
00:26:24.759 --> 00:26:28.640
you know, daughter in law's nonprofit too. What do I what?

417
00:26:28.640 --> 00:26:32.200
What planted a seed in myself that I really want

418
00:26:32.279 --> 00:26:36.079
to see I want or gave me something that I

419
00:26:36.119 --> 00:26:38.359
want to make sure it continues into the future. So

420
00:26:38.440 --> 00:26:41.240
there's other things where you're already doing. It is just

421
00:26:41.279 --> 00:26:44.240
bringing a different kind of mindfulness to it that matters

422
00:26:44.680 --> 00:26:50.319
and really re orients you to this other definition of investment.

423
00:26:51.759 --> 00:26:56.319
So yeah, because I've decided, I I want to say

424
00:26:56.640 --> 00:26:59.720
like five minutes at the end just to talk about

425
00:26:59.759 --> 00:27:01.839
some of these things that I saw on there. But

426
00:27:02.720 --> 00:27:09.799
let's talk about legacy. Legacy matters a lot to our listeners.

427
00:27:09.839 --> 00:27:16.720
And how does redefining return connect to the legacy that

428
00:27:16.880 --> 00:27:19.119
someone's trying to leave behind. What do you think?

429
00:27:19.960 --> 00:27:22.599
Well, I think that becomes part of your plan, right.

430
00:27:22.599 --> 00:27:25.680
You definitely have a financial legacy that you're wanting to

431
00:27:25.759 --> 00:27:28.079
leave behind to people. But when I think about my

432
00:27:28.200 --> 00:27:32.480
kids and the feedback that I've gotten from them, Okay, Boomer,

433
00:27:32.839 --> 00:27:36.920
it's like you guys have made a big mess here,

434
00:27:37.119 --> 00:27:39.720
you know what I mean, Like they're looking at and

435
00:27:40.559 --> 00:27:43.079
so part of our legacy is financial and the other

436
00:27:43.359 --> 00:27:47.160
is what seeds are we planting? And can we stand

437
00:27:47.519 --> 00:27:49.559
beside them and say we've done our best. Part of

438
00:27:49.559 --> 00:27:53.720
why I wrote this book is because I want I

439
00:27:53.839 --> 00:27:56.359
don't want someone else to have to discover what I've

440
00:27:56.480 --> 00:28:01.279
spent twenty plus years discovering about the system and how

441
00:28:01.279 --> 00:28:07.200
it's really pushing some unhealthy dynamics in the world, you

442
00:28:07.200 --> 00:28:09.680
know what I mean. So I feel like I've got

443
00:28:09.759 --> 00:28:13.279
to show up at this table with some solutions. Since

444
00:28:14.400 --> 00:28:17.839
I didn't grow up knowing about the impacts of our

445
00:28:18.319 --> 00:28:21.319
systems and investments, It's like, now we've got the internet,

446
00:28:21.359 --> 00:28:23.400
we can see them very closely.

447
00:28:23.599 --> 00:28:24.599
Oh yeah.

448
00:28:24.640 --> 00:28:27.759
And so I feel like legacy is yes. You know,

449
00:28:27.920 --> 00:28:31.759
I do believe in I come from My mother's an immigrant,

450
00:28:31.839 --> 00:28:35.279
my father was a farmer, so like those, I didn't

451
00:28:35.319 --> 00:28:40.720
come from financial or wealth. But I care a lot

452
00:28:40.799 --> 00:28:44.039
about leah. I care a lot about leaving. But it's like,

453
00:28:44.160 --> 00:28:46.920
what's the balance, right? I think it's just it's just

454
00:28:47.000 --> 00:28:49.480
putting a lens on that and holding the balance of

455
00:28:50.759 --> 00:28:53.920
the legacy capital l two of what's the world we're

456
00:28:54.000 --> 00:28:58.240
leaving and are we doing our best there? So yes, and.

457
00:29:00.160 --> 00:29:03.759
Part of it, I think would be just not only

458
00:29:03.799 --> 00:29:06.960
doing your estate planning and all that, but having an

459
00:29:06.960 --> 00:29:09.799
ongoing conversation with your kids about how you feel and

460
00:29:09.839 --> 00:29:12.279
what you think about the world. It sounds to me,

461
00:29:12.400 --> 00:29:14.720
I mean, that's part of the legacy that you leave,

462
00:29:15.039 --> 00:29:19.720
is is how you interact with your family, how you

463
00:29:19.759 --> 00:29:20.960
interact with your community.

464
00:29:22.000 --> 00:29:24.599
Agree For people.

465
00:29:24.400 --> 00:29:29.519
Who feel like it's too late to change anything, what

466
00:29:29.559 --> 00:29:30.599
would you say to them?

467
00:29:31.599 --> 00:29:34.359
I just I mean, I'm probably not the right person

468
00:29:34.559 --> 00:29:38.079
to ask about that. I say that because, like my

469
00:29:38.200 --> 00:29:42.240
father graduated from college at sixty three, my mother started

470
00:29:42.240 --> 00:29:45.839
her dream restaurant at sixty three. You know, I'm writing

471
00:29:45.880 --> 00:29:49.519
books at sixty three, So I'm not. But I do

472
00:29:49.559 --> 00:29:55.039
feel like I do feel like I'm not sure why

473
00:29:55.079 --> 00:29:58.839
people would think that, because you know, if you're towards

474
00:29:58.880 --> 00:30:01.000
the end of your life and you're up against the

475
00:30:01.160 --> 00:30:02.720
edge of if you're going to be okay or not,

476
00:30:02.880 --> 00:30:06.480
then you don't change anything. But if you've got you've

477
00:30:06.480 --> 00:30:08.440
got a little bit of space, a little bit of

478
00:30:09.359 --> 00:30:13.920
space to make some different decisions with, then potentially there's

479
00:30:13.960 --> 00:30:16.839
some people in your family you could collaborate with to

480
00:30:16.880 --> 00:30:21.160
do things. They they have motivation for and care about.

481
00:30:21.599 --> 00:30:26.160
Which this all goes along with having a life purpose,

482
00:30:26.880 --> 00:30:30.160
having things that you're involved in. I think that's going

483
00:30:30.200 --> 00:30:34.240
to keep you healthier longer. Also, don't you think, you know,

484
00:30:35.440 --> 00:30:38.119
having some purpose, having something that you know is making

485
00:30:38.160 --> 00:30:38.720
a difference.

486
00:30:39.400 --> 00:30:41.880
I think so. I think so. For me, it gives

487
00:30:41.920 --> 00:30:45.279
me a lot of energy and interacting with younger people

488
00:30:45.319 --> 00:30:47.599
that have a lot of energy and are trying to

489
00:30:47.640 --> 00:30:53.319
find workout answers, being in dialogue about these systems and

490
00:30:53.799 --> 00:30:58.319
being willing to hear the different opinions even if they're incomplete,

491
00:30:58.400 --> 00:31:01.839
you know, or because mine are. I keep learning every year.

492
00:31:01.880 --> 00:31:06.880
I keep thinking, you know that that I'm not going

493
00:31:06.920 --> 00:31:09.039
to open up to a whole new world that I

494
00:31:09.079 --> 00:31:12.079
need to learn about. But I think I wouldn't like

495
00:31:12.160 --> 00:31:14.680
that if I if I thought that were possible, So

496
00:31:16.279 --> 00:31:19.039
I do. I thought, I don't ever think it's too late.

497
00:31:20.559 --> 00:31:25.720
So I have thought about and have talked to people

498
00:31:25.759 --> 00:31:31.039
about financial security, you know, forever the whole time I've

499
00:31:31.039 --> 00:31:34.799
been an advisor. In your view, what what does true

500
00:31:34.880 --> 00:31:39.519
financial security look like when it includes more than just

501
00:31:39.640 --> 00:31:40.759
that dollar figure?

502
00:31:42.720 --> 00:31:45.279
Yeah, that's such a u I mean we could have

503
00:31:45.319 --> 00:31:48.240
a whole dinner about that. Right, like I feel I

504
00:31:49.200 --> 00:31:55.400
people ask me about security, and I security is is

505
00:31:55.480 --> 00:31:59.359
like a receptive It's like you feel secure, you don't

506
00:31:59.400 --> 00:32:03.880
make secure, right. So that's that I feel like, is

507
00:32:03.880 --> 00:32:06.119
why a lot of people have this idea that there's

508
00:32:06.160 --> 00:32:08.079
a number that when they get to that number, they're

509
00:32:08.119 --> 00:32:10.160
going to have security. And then they get to that

510
00:32:10.279 --> 00:32:12.519
number and they don't have security. And then there are

511
00:32:12.519 --> 00:32:17.279
people who don't look for a number for security right

512
00:32:17.319 --> 00:32:19.920
like there they just are secure and there haven't even

513
00:32:20.000 --> 00:32:23.519
hit their goal yet. So so there's a little bit

514
00:32:23.519 --> 00:32:28.119
of a uh a question about what do we mean

515
00:32:28.160 --> 00:32:31.839
by that? From from my own perspective, And this is

516
00:32:31.920 --> 00:32:39.880
just me speaking as me because I feel so I

517
00:32:39.920 --> 00:32:44.160
don't really I feel like we're living these individual lives,

518
00:32:44.279 --> 00:32:46.440
you know, like we have our lives and our gifts

519
00:32:46.440 --> 00:32:49.160
and things that we're bringing to community, but we're also

520
00:32:49.440 --> 00:32:53.480
interconnected with everybody else on this planet and all beings

521
00:32:53.519 --> 00:32:57.400
on this planet. So if there are people who are

522
00:32:59.480 --> 00:33:03.839
are hurt because of something that I'm involved with, systems,

523
00:33:05.000 --> 00:33:09.680
investments or whatever, I don't I don't know that I

524
00:33:09.720 --> 00:33:12.680
can feel if there are people who are not getting enough,

525
00:33:13.440 --> 00:33:15.720
I don't know that I cannot feel that I don't

526
00:33:15.759 --> 00:33:21.039
know that I can feel super secure or super happy

527
00:33:21.960 --> 00:33:25.960
with that situation, and I don't feel like that's fixable necessarily.

528
00:33:26.559 --> 00:33:29.480
But I'm I feel like I'm never gonna I don't

529
00:33:29.519 --> 00:33:32.480
feel like I derived my security from finance. That's part

530
00:33:32.480 --> 00:33:34.680
of what I'll say about that, right.

531
00:33:35.519 --> 00:33:38.599
Well, okay, so let's let's hit this just a little

532
00:33:38.599 --> 00:33:40.440
bit more before I turn to some of these things.

533
00:33:40.480 --> 00:33:44.279
I want to mention in the book. If someone wants

534
00:33:44.319 --> 00:33:49.559
to start investing like a mother, what's the first small

535
00:33:49.599 --> 00:33:51.799
step that they should take. We kind of touched on

536
00:33:51.839 --> 00:33:54.759
this a few minutes ago, but let's let's drill this in.

537
00:33:54.839 --> 00:33:58.559
If they were gonna go, okay, I'm going to take

538
00:33:58.640 --> 00:33:59.960
one step, what would that be?

539
00:34:01.400 --> 00:34:04.839
So I think it would be doing a review of

540
00:34:04.880 --> 00:34:08.840
where all your investments are and also how you're moving

541
00:34:08.880 --> 00:34:12.920
your money in general. So, if for example, you have

542
00:34:13.119 --> 00:34:16.679
giving that you do that is some percentage of what

543
00:34:16.719 --> 00:34:19.679
you do every year, that becomes part of the picture.

544
00:34:19.760 --> 00:34:21.719
Where you bank becomes part of the picture. So you

545
00:34:21.800 --> 00:34:25.400
kind of do this inventory. Where is your the you know,

546
00:34:25.440 --> 00:34:30.079
where is your money invested? Is most of it US stocks?

547
00:34:30.079 --> 00:34:32.599
At some of it international stocks? Do you know what

548
00:34:32.639 --> 00:34:36.440
the major holdings of those funds are. You should look

549
00:34:36.480 --> 00:34:38.920
at those things. Where do you mostly shop? Do you

550
00:34:38.960 --> 00:34:43.199
mostly shop on Amazon? That's actually a part of your

551
00:34:43.239 --> 00:34:48.920
financial life, right, And so I think looking at taking

552
00:34:48.960 --> 00:34:52.840
a good little inventory of that, understanding where your accounts are,

553
00:34:52.840 --> 00:34:56.239
what kind of accounts you have, and then from there.

554
00:34:56.440 --> 00:34:58.599
There's a few things that I recommend in my book.

555
00:34:58.679 --> 00:35:02.360
One possibility and a lot of things. I'll pick one

556
00:35:02.440 --> 00:35:05.440
piece out that people don't really know about is the

557
00:35:05.519 --> 00:35:10.119
self directed IRA. So a self directed IRA, Yeah, that

558
00:35:10.119 --> 00:35:12.800
that is a structure that has all of the same

559
00:35:12.920 --> 00:35:16.639
tax advantages and tax structure as an IRA that you

560
00:35:16.679 --> 00:35:20.199
would get from Fidelity or Schwab or or any other

561
00:35:20.599 --> 00:35:27.280
financial bank. And and but but this one is held

562
00:35:27.320 --> 00:35:32.920
by a by an individual self directed IRA custodian and

563
00:35:32.920 --> 00:35:35.960
and those are lesser known names. But within a self

564
00:35:35.960 --> 00:35:43.039
directed IRA, you can hold real estate, you can invest in.

565
00:35:41.920 --> 00:35:45.119
In that community fund, you could invest in a Yes,

566
00:35:45.199 --> 00:35:49.440
you can invest in a you can invest in and

567
00:35:49.440 --> 00:35:52.519
in several different of the alternatives that I present in

568
00:35:52.599 --> 00:35:54.039
the book that are lesser known.

569
00:35:55.400 --> 00:36:00.159
So CDFIs there are certain kinds of community oriented financial

570
00:36:00.199 --> 00:36:03.039
institutions that invest in low income housing things like that.

571
00:36:03.039 --> 00:36:05.119
There are things that you can do from within there

572
00:36:05.679 --> 00:36:08.679
that that you can't do from a regular standard kind

573
00:36:08.719 --> 00:36:12.639
of investment account. So that's one thing. So you could say,

574
00:36:12.679 --> 00:36:15.000
I'm going to take I don't know, pick a number

575
00:36:15.159 --> 00:36:19.079
ten thousand dollars and put it in a self directed

576
00:36:19.159 --> 00:36:23.960
IRA account and wait, just have it there as as

577
00:36:24.079 --> 00:36:27.800
ready to make an investment in case one shows up

578
00:36:27.800 --> 00:36:30.599
for me and now I have this cash available.

579
00:36:30.320 --> 00:36:31.039
You're ready.

580
00:36:32.280 --> 00:36:35.920
Show can't show up. That's right, that's right. But I

581
00:36:36.519 --> 00:36:39.639
but you can have within a self directed IRA, you

582
00:36:39.639 --> 00:36:42.800
can have you can be invested in different businesses. You

583
00:36:42.840 --> 00:36:46.480
can make loans to people, you can make loans to

584
00:36:46.559 --> 00:36:49.880
people to buy houses. You could be you could write

585
00:36:49.920 --> 00:36:53.800
your own mortgage notes in there. You could hold real

586
00:36:53.920 --> 00:36:58.480
estate in there and have a short term rental property

587
00:36:58.559 --> 00:37:02.000
or a rental property inside your IRA. So all of

588
00:37:02.039 --> 00:37:05.519
the income that comes in from there comes in and

589
00:37:05.639 --> 00:37:08.480
is treated. What if it's a rough one, it's basically

590
00:37:08.519 --> 00:37:13.159
treated like any other IRA would be right, So those

591
00:37:13.199 --> 00:37:15.239
are things you do. So that's one thing. So I think,

592
00:37:15.239 --> 00:37:17.639
look at everything and then figure out what your next

593
00:37:17.639 --> 00:37:20.000
step is based on where you are and what you have.

594
00:37:20.639 --> 00:37:22.320
If it's if you kind of go, I want to

595
00:37:22.360 --> 00:37:26.920
do ten percent, then you know it's it's it's sort

596
00:37:26.960 --> 00:37:30.119
of putting that in your plan and beginning to investigate

597
00:37:30.159 --> 00:37:32.599
some of the alternatives that are available out there.

598
00:37:33.800 --> 00:37:38.440
Wow, okay, so I'm gonna I've never really done this,

599
00:37:38.559 --> 00:37:44.199
I've never really just kind of become very spontaneous. So

600
00:37:44.880 --> 00:37:47.599
I'm going to pick out one of the things that

601
00:37:47.800 --> 00:37:51.320
I Well, one of the things you do is talk

602
00:37:51.360 --> 00:37:54.519
about what to look at and ask. And that's that's

603
00:37:54.920 --> 00:37:58.599
what you were just talking about, like self directed where

604
00:37:58.679 --> 00:38:02.679
you shop. You talk about where you shop, whether it's

605
00:38:02.840 --> 00:38:08.559
large corporate retailers or smaller you know, supporting small business.

606
00:38:09.039 --> 00:38:11.679
I think that's part of it, too, right, you know it.

607
00:38:11.559 --> 00:38:16.000
Really is, it really is. Those are investments and people go, well,

608
00:38:16.000 --> 00:38:18.760
I can get it cheaper over here, and look, I

609
00:38:18.800 --> 00:38:21.440
think we're It's like the it's like the travel, it's

610
00:38:21.480 --> 00:38:23.920
like the flight thing. It's like sometimes you've got to

611
00:38:23.960 --> 00:38:27.239
have it tomorrow. Your kid just told you about the assignment,

612
00:38:27.519 --> 00:38:31.719
but like sometimes sometimes you have time. And there are

613
00:38:31.880 --> 00:38:35.000
in different parts of the country, for example, there are cooperatives,

614
00:38:36.280 --> 00:38:39.920
there are cooperative electrical companies, there are co op cooperative

615
00:38:39.960 --> 00:38:46.000
grocery stores. Those are employee owned often or member owned,

616
00:38:46.559 --> 00:38:49.599
and those are really different structures and they're usually very

617
00:38:49.679 --> 00:38:53.519
rooted in community. Right, So you can shop in different places.

618
00:38:53.519 --> 00:38:54.639
That can be something too.

619
00:38:55.199 --> 00:38:59.159
There's a cooperative in Spokane, Washington. A lot of my

620
00:38:59.599 --> 00:39:01.880
a lot of my clients are in Spokane, Washington, and

621
00:39:01.880 --> 00:39:03.800
they're going to know what I'm talking about because it's

622
00:39:03.840 --> 00:39:08.400
right downtown. But there's a cooperative that struggled for a

623
00:39:08.519 --> 00:39:10.920
few years when it was getting going, but it seems

624
00:39:10.960 --> 00:39:14.519
like it's really doing well now. But yeah, it's exactly

625
00:39:14.599 --> 00:39:18.800
that sort of thing, that cooperative. Here's some of the questions.

626
00:39:18.840 --> 00:39:20.559
So I'm just going to say this and I'll have

627
00:39:20.599 --> 00:39:24.760
you comment. Okay, you talk about a daily investment audit.

628
00:39:25.199 --> 00:39:29.480
A few starting questions, where do I bank? So we

629
00:39:29.559 --> 00:39:32.800
talked about credit unions. Is there a credit union or

630
00:39:32.840 --> 00:39:35.960
you know something like that. What local businesses do I value?

631
00:39:36.440 --> 00:39:40.599
So you keep coming back, you keep using that word value, right,

632
00:39:41.639 --> 00:39:45.039
what small businesses do I value? Is there a cooperative

633
00:39:45.079 --> 00:39:47.800
in my community? Like we've just been talking about, You

634
00:39:47.880 --> 00:39:50.400
might you know, this might spur people on to search

635
00:39:50.480 --> 00:39:53.559
out those things in their community that they meant a

636
00:39:53.599 --> 00:39:59.880
lot to think about what creative work am I consuming

637
00:40:00.079 --> 00:40:04.000
for free that I could support directly. That's an interesting one.

638
00:40:04.599 --> 00:40:08.320
Yes, yes, artists.

639
00:40:08.079 --> 00:40:11.360
Writers, educators or journalists. Could I move to direct support?

640
00:40:11.800 --> 00:40:14.960
And when I look at my work life, what does

641
00:40:15.000 --> 00:40:17.639
it enable and how does that sit with my values?

642
00:40:18.280 --> 00:40:24.320
That's an interesting one. People to say, I think I'm

643
00:40:24.360 --> 00:40:26.519
going to change jobs.

644
00:40:27.280 --> 00:40:32.119
Right yeah, oh, or or you know, I think it could,

645
00:40:32.360 --> 00:40:34.800
but it also could, Like you look at all of

646
00:40:34.840 --> 00:40:39.719
these things imbalance together. So you know I mentioned that

647
00:40:39.840 --> 00:40:43.599
I uninvested from the stock market. Ye, partially because that's

648
00:40:43.639 --> 00:40:46.480
my personality, right, Like I don't advise people to do

649
00:40:46.760 --> 00:40:49.280
any of the things I do in my life. But

650
00:40:49.280 --> 00:40:53.599
but I wanted to be pressured myself to find other

651
00:40:54.400 --> 00:40:58.880
places and other options to share and this is a

652
00:40:58.920 --> 00:41:02.320
part of my work. But also I was working inside

653
00:41:02.400 --> 00:41:05.800
of and supporting those corporations in my work life, so

654
00:41:05.880 --> 00:41:08.840
I was over leveraged into that space as it was.

655
00:41:08.920 --> 00:41:11.239
I felt like I didn't also want to be invested

656
00:41:11.280 --> 00:41:12.840
in it. I wanted to support.

657
00:41:12.639 --> 00:41:16.599
All your basket. That's right, that's the whole that well,

658
00:41:16.639 --> 00:41:20.079
that's part of diversification. So you're basically taking the idea

659
00:41:20.079 --> 00:41:22.760
of diversification and kind of flipping that on its head

660
00:41:22.800 --> 00:41:26.599
and creating a definition of how to diversify.

661
00:41:26.079 --> 00:41:28.639
It a little bit. And I want to be very

662
00:41:28.639 --> 00:41:32.079
compassionate in this space because I just think, you know,

663
00:41:32.239 --> 00:41:34.960
it's not easy, it's not straightforward.

664
00:41:35.519 --> 00:41:40.639
No, because I'm I'm entirely invested in the stock market. Yes,

665
00:41:40.719 --> 00:41:46.679
so you're making me ask some new questions. So here's another.

666
00:41:46.719 --> 00:41:53.400
Here's some some things from your incremental change uh chapter.

667
00:41:54.039 --> 00:41:56.920
Start with a percentage, not a total overhaul. And I

668
00:41:56.960 --> 00:42:03.320
think that totally applies here because this would be like,

669
00:42:03.400 --> 00:42:07.440
oh too much. So just a percentage, just something small.

670
00:42:07.880 --> 00:42:11.280
Then build a simple investment stack using that percentage. What

671
00:42:11.280 --> 00:42:15.559
does that mean? What's the simple investment stack? What does

672
00:42:15.599 --> 00:42:16.000
that mean?

673
00:42:16.360 --> 00:42:20.960
It's just you know, it's it's basically looking at you know,

674
00:42:21.079 --> 00:42:24.960
you haven't you have asset allocation and your broader portfolio.

675
00:42:25.199 --> 00:42:28.079
It's taking that and saying, okay, for this five or

676
00:42:28.079 --> 00:42:30.880
ten or twenty whatever percentage that I want to pull

677
00:42:30.920 --> 00:42:34.920
out and use for this invest like a mother strategy

678
00:42:35.000 --> 00:42:39.119
or this values aligned strategy. I'm also still looking at

679
00:42:39.159 --> 00:42:42.880
a similar kind of allocation. Some things are income, some

680
00:42:42.960 --> 00:42:47.039
things are I might have some cash sitting there in

681
00:42:47.119 --> 00:42:51.000
case a community investment fund or something comes up. So

682
00:42:51.039 --> 00:42:53.880
some things might be equity, some things might be loans.

683
00:42:54.000 --> 00:42:55.760
So it's kind of looking at what you want to

684
00:42:55.800 --> 00:42:58.239
have in there, and I give you some I give

685
00:42:58.280 --> 00:43:00.880
some options throughout the book about what you could bright.

686
00:43:01.400 --> 00:43:04.840
Yeah, you actually talk about some different types of stacks

687
00:43:04.880 --> 00:43:09.119
and how you how you do that. You talk about

688
00:43:09.639 --> 00:43:12.320
what's interesting is you kind of drill down on credit

689
00:43:12.440 --> 00:43:19.960
unions and evaluating and asking questions, asking some better questions

690
00:43:20.000 --> 00:43:23.079
about where you would put the money that you have

691
00:43:23.199 --> 00:43:26.880
in cash, like who's eligible for membership, what do they

692
00:43:27.000 --> 00:43:33.039
lend to? You're that would be interesting do the credit

693
00:43:33.159 --> 00:43:38.320
does a local credit union lend to or or work

694
00:43:38.360 --> 00:43:40.360
with that community fund that you're talking about.

695
00:43:42.000 --> 00:43:44.679
This the particular one that so I think this is

696
00:43:44.679 --> 00:43:47.639
an emerging space and I'm super excited about it, this

697
00:43:47.800 --> 00:43:54.159
sort of community investment fund model. But they do usually

698
00:43:54.239 --> 00:44:01.920
through organizations like uh CDFI's Community Development Finance institutions. Some

699
00:44:02.079 --> 00:44:05.119
credit unions have that whole aspect as part of what

700
00:44:05.199 --> 00:44:09.920
they some of them are cdf eyes. So the whole

701
00:44:10.320 --> 00:44:12.000
what I'm trying to get at here is that the

702
00:44:12.079 --> 00:44:18.519
whole infrastructure is a little bit diverse, and so you

703
00:44:18.679 --> 00:44:20.480
kind of got to drill into the things that are

704
00:44:20.559 --> 00:44:23.039
local to you and ask good questions because some people,

705
00:44:23.039 --> 00:44:28.079
when I was talking about credit unions, just like any

706
00:44:28.119 --> 00:44:32.840
other nonprofits, some of them feel much more corporate. Some

707
00:44:32.920 --> 00:44:35.239
of them are not doing the things you would think

708
00:44:35.320 --> 00:44:38.880
or hope the credit union would do. So you're looking

709
00:44:38.920 --> 00:44:41.960
for credit unions that are very place oriented so that

710
00:44:42.079 --> 00:44:45.639
you know they're supporting the things you care about. So

711
00:44:45.760 --> 00:44:47.880
that was what I was getting at there, right.

712
00:44:47.960 --> 00:44:52.559
Wow, Well this is not your first book either. You've

713
00:44:52.559 --> 00:44:54.119
written another book.

714
00:44:56.400 --> 00:44:57.119
Coming Around?

715
00:44:58.039 --> 00:45:00.559
Yes, well does that say the name of again?

716
00:45:01.159 --> 00:45:05.159
Coming Around? Surprises and Surrender on the Path to Inspiration.

717
00:45:05.440 --> 00:45:09.519
So yes, it's about me reclaiming parts of myself that

718
00:45:09.599 --> 00:45:12.239
I had to close off in order to be successful.

719
00:45:12.960 --> 00:45:15.679
You know in this culture, that really kind of validates

720
00:45:15.719 --> 00:45:19.360
the grind and the push and the action and all

721
00:45:19.440 --> 00:45:21.880
of the things that are good and balanced. But as

722
00:45:21.880 --> 00:45:23.480
I said we were talking about earlier, you got to

723
00:45:23.559 --> 00:45:25.880
kind of slow down sometimes and be still a little

724
00:45:25.880 --> 00:45:27.760
bit to know what your inspiration is.

725
00:45:28.480 --> 00:45:33.760
Well, and we are out of time. It's like I

726
00:45:33.800 --> 00:45:35.360
wanted to pack a lot, and I think we did

727
00:45:35.400 --> 00:45:38.480
pack a lot in but it's kind of also just

728
00:45:38.559 --> 00:45:42.159
the beginning of being able to explore what this might mean,

729
00:45:42.280 --> 00:45:46.559
because it could be different for everyone. Right, what's one question,

730
00:45:47.199 --> 00:45:50.000
because we have to close up shop here, What's one

731
00:45:50.119 --> 00:45:55.280
question you hope every listener asks themselves after hearing this conversation.

732
00:45:58.159 --> 00:46:02.639
What is my money making possible? Not just for me,

733
00:46:02.880 --> 00:46:05.079
but for everyone that it touches.

734
00:46:06.000 --> 00:46:09.679
Wow, that's a question I don't think people have really

735
00:46:09.719 --> 00:46:13.679
asked before. So you're like opening up this whole new

736
00:46:14.480 --> 00:46:15.280
universe here.

737
00:46:16.559 --> 00:46:18.320
I'm so happy that you brought me on.

738
00:46:20.000 --> 00:46:23.719
Well, this has been wonderful. You have definitely pushed some

739
00:46:23.800 --> 00:46:27.440
buttons for me in thinking about this for myself and

740
00:46:27.480 --> 00:46:32.119
my own investments, and also looking at oh, I'm already

741
00:46:32.159 --> 00:46:34.840
doing this, and I'm already doing that. So it was like, okay,

742
00:46:34.920 --> 00:46:39.480
so I think I'd already kind of unconsciously started down

743
00:46:39.480 --> 00:46:39.840
that road.

744
00:46:39.880 --> 00:46:43.719
Anyway, I think a lot of most people are doing

745
00:46:44.320 --> 00:46:47.920
a lot of the right things. Most people have have

746
00:46:48.199 --> 00:46:53.639
that central orientation to want the intention to make good

747
00:46:53.679 --> 00:46:54.760
things happen in the world.

748
00:46:55.159 --> 00:46:59.199
Right, Well, we we're going to have to close this

749
00:46:59.480 --> 00:47:04.079
up and say say goodbye for now. I hope that

750
00:47:04.199 --> 00:47:07.639
this is spurring some people and inspiring those of you

751
00:47:07.800 --> 00:47:10.599
out there that are listening to this to inspire you

752
00:47:10.840 --> 00:47:16.320
to ask some questions of yourself of how how might

753
00:47:16.480 --> 00:47:20.239
this be something where you can make an impact in

754
00:47:20.280 --> 00:47:24.360
the world. So with that, Tina, thank you so much

755
00:47:24.400 --> 00:47:27.920
for joining me today. Thank you, and thanks to all

756
00:47:28.000 --> 00:47:31.079
of our listeners for joining us on the Ask Good

757
00:47:31.239 --> 00:47:34.400
Questions podcast. We will see you next time.

758
00:47:38.039 --> 00:47:41.639
Today's episode is over, but indeed ask Good Questions again,

759
00:47:41.760 --> 00:47:45.440
didn't We don't miss out as we broadcast live every

760
00:47:45.480 --> 00:47:49.760
Wednesday six pm Eastern Time on W FOURCY Radio at

761
00:47:49.960 --> 00:47:54.159
w fourcy dot com. Joined Banina Bellenderson next week for

762
00:47:54.360 --> 00:47:59.639
more conversations with experts on finances, retirement, behavioral.

763
00:47:59.039 --> 00:48:01.800
Finance, issue, health and wellness. Endmore.

764
00:48:02.280 --> 00:48:06.159
Until then, remember to ask good questions.