April 16, 2025

Untying the knot: a guide to divorce readiness with clarity, a checklist and supportive care

Untying the knot: a guide to divorce readiness with clarity, a checklist and supportive care

Divorcing, or already in the thick of it? This episode is real, supportive, and practical advice before, during, and after a separation. We explore what to do before filing, how to protect your emotional & financial well-being, & how to create...

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Season 1

Divorcing, or already in the thick of it? This episode is real, supportive, and practical advice before, during, and after a separation. We explore what to do before filing, how to protect your emotional & financial well-being, & how to create a clear path forward. Join Bonita and guest Reshell Smith, CFP, as they share actionable insights, a comprehensive divorce checklist, & compassionate support to help you navigate the process with confidence….. you're in the right place!

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).

Ask Good Questions Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

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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 for radio show programs, services,

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or products mentioned on air or on our web. No

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liability explicitor implies shall be extended to W FOURCY Radio

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or its employees are affiliates. Any questions or comments should

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be directed to those show hosts. Thank you for choosing

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W 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 four cy dot com. This week and every week,

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we 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, welcome to the Ask Good Questions Podcast. I am

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Benita Belle Anderson, your host, and I am super excited

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today we have another female financial advisor on with me today.

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Her name is Rachelle Smith CFP, and I will invite

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her onto the proverbial podcast podcast stage.

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Now here she comes.

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Hey, Rachelle, Hello, how are you. I'm good. You're coming

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at us from Orlando, Florida.

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Oh town.

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And I already asked her if she goes to Disney

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all the time, and she says, nah, I do not.

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Now I do not.

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So anyway, well, I'd like to begin with just a

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I'm going to kind of shorten this bio because it's

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a long one. She is the founder and president of

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Ames Financial Solutions, which is a virtual financial planning firm

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where she offers comprehensive financial planning services. She focuses mainly

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on gen X and Y, offering tailored strategies for divorce,

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C suite executives and first generation wealth builders, which I

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hope that we.

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Have more and more of those out there.

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Her commitment lies in providing financial planning services that ensures

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her clients navigate their financial journey with precision and confidence. Now,

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I'm just going to briefly talk about some of these awards.

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This girl's got some awards behind her. She's a finance

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contributor for Orlando's NBC affiliate WEESH two CW eighteen. She

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is a two time Stellar Award winner WKB sixteen eighty

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am and she is Investipeda's top one hundred five financial advisors.

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She was named to investi Pedia's Top Financial Advisors in

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twenty eighteen, twenty twenty two, and twenty twenty three. So

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she's also written a book in her spare time. She

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has authored a Women's a Woman's Worth Seven Key Essentials

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to Financial Independence. People need to have both of our books,

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don't they? Yes, and that is available on Amazon. She's

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also the CEO of RS Smith Consulting, LLC, which houses

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She's So Wealthy Academy, She's So Wealthy YouTube channel and

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She's So Wealthy podcast. So my goodness, you are a

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busy girl, and it's great because the industry needs more

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and more women.

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Just like you.

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I agree, Yes, I totally agree. So I am just

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trying to contribute when and where I can.

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Yeah.

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Absolutely, that's all any of us can do, right, Yes,

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So today we're focus is now. I went through a terrible,

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terrible divorce twenty five years ago. I didn't have me

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and I didn't have you twenty five years ago, and

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I had basically characterized myself as being curled up in

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a corner sucking my thumb for a while before I

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finally started clawing my way out of that.

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I had three daughters that were likewise hurting.

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And so today, because you focus on divorcees want I

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thought it would be hopefully we will get out to

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those people that need this. But so we're going to

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focus on that's kind of going to be a big topic.

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But why did you what was it that major decide

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to think about working with divorcees.

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I didn't have me either, So I had me, but

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I just didn't know right. So I am by no

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Number one client. So I talk about different situations that

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happened a lot of times, I'm talking about myself. And

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I worked at another firm for sixteen years and I

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was in their platinum group, where you had to have

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at least a million dollars or more. I'm also one

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of the early team members because they formed a CFP group,

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and so I'm one of the early people that was

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a part of that team or that group. And I

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worked with people who knew they needed a financial plan

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and people who were again kind of at that million

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mark or more. And so what I saw was that

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I only worked with men, and I thought there's something

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wrong with this picture here, because even when they bring

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in a couple to work on a financial plan, and

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only half of the couple kat right. The male have right,

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And so I thought, wow. You know, there have been

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times where I'd say, well, is your wife going to

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join us? And she's here. You know, we're kind of

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at the kitchen table. She's here, she's not really saying much,

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or she's kind of in the background. And so I

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always thought, well, men typically passed away before women, and

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you know, if there's a divorce, what does she do?

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Like she doesn't know. I had one woman asked me

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one time if she was able to get a new car,

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and I'm looking at their net worth and I'm thinking that, like,

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what kind of car are you gonna buy? Because you

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have way yes to buy a car. So I just

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felt like I can be relatable because I've had that experience. Also,

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I have witnessed other people having that experience, and unfortunately

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many of us have done it wrong. There is although

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divorce isn't a great thing, there is a right way

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to divorce. There's a good way to divorce.

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Yeah, so hopefully we're going to delve into that a

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little bit today. Yeah, so you did have a personal experience.

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I did and I did.

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Don't you think that we have more empathy when when

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you've gone through something, whatever it is. But I think

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people are able to relate to you more when they

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know you've been through.

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It, absolutely, and that's how you know. They always talk

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about being relatable and representation. Not that I want to

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represent four days.

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But like, I really wish I didn't have that experience, but.

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Right exactly, so I went through it, and uh, much

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of mine was done in mediation. There wasn't a whole

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lot of back and forth. But as I look back,

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I see where there are some things that I could

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have done better, I could have thought a little harder for,

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and of course that's why we have attorneys. But I

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just see where there's some things that I could have

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done better. And then I'm looking at other people who

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have way more to separate or to split up than

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I did. And so I'm like, everything is negotiable, even

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if you don't think it's negotiable for that stay at

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home mom whose husband travels and builds up miles and

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miles and miles and miles of sky miles, like, everything's negotiable.

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And so I don't think that a lot of times

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we're thinking of that, and so they needed me and

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they needed you to help with that.

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Right, Well, do.

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You think that your perspective has changed over the years,

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so Rischell, how long have you been in the industry?

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So I am three decades in good job.

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See, I started midlife, so I wouldn't be possible because

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I've been in this industry, you know for twenty five years. Okay,

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when I started midlife, yeah, I was a divorced and

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I you know, it was not anything I.

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Was expecting to ever do.

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See, you were one of those kids, like nineteen twenty

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year years old getting out there and well, man, what

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a fabulous what a fabulous contribution that you can make. Yeah,

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So back to that question, do you think that your

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perspective has changed around divorced?

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Yeah, it absolutely has. And before I tell you, when

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I got married, and at the time that I got married,

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I wasn't thinking about pre nup. I wasn't thinking about,

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you know, what happens to the assets and the home

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and all those things. None of that was on my

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mind because we were, you know, fairly young, so none

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of that was on my mind. But now it most

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certainly is on my mind, and I tell people who,

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especially if you're talking about that second marriage where everybody

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has kind of done their own thing. We have children

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from our relationship, whole lot. Absolutely, the perspective is different.

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Right, right, exactly.

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Yeah, I've been married again for the last fifteen years

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and my husband lost his first wife to cancer. Okay,

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I went through but his was a completely different perspective.

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One of the things that he confided in me was

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that he has a hearing disability and he was mad

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at her.

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There was you know, you.

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See these things about how you go through these different stages,

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and he was mad because he had depended on her

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a lot, and so then she up and dies and

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so now I find that I fill that role in

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a lot of ways. But I know that because of

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my divorce too. I've had people, you know, say, well,

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you need to talk to Bonnie because she's been through it.

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So yeah, that people people recognize that you will probably

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be able to be a good person to talk to

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because of your past experience.

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Yeah, and past experience, and also because of the industry

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that I'm in. So yeah, you know, sometimes you get

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that attorney and you going to meet into mediation and

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they don't know, should we be splitting the traditional ira

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or the roth ira or you know what, you know,

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what's even here? What makes this fair?

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What do you find that you're working mostly with female

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divorcees or do you occasionally have male clients?

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It's occasional with the males. It's predominantly females. I just

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like attracts like I don't know, definitely predominantly females. Occasionally

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a male, but I mean truly occasional, out of the

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blue occasional.

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Right, Well, so what kind of services do you provide

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some of these? So somebody's saying, we're going to get

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a divorce, what kind of services can you provide to

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those people that are coming to you for the first time.

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So for the people who are coming to me specifically

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for divorce financial planning, that is really what we're working on.

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And so it depends on when you come in, Like

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where are you in the process. If you are in

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the beginning stages of the process, that's actually better for

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me because I get to see, you know, what are

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all the assets, what are all the liabilities, and we

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have a better picture going into mediation or going into

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core as opposed to if it's after, if it's after

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then you just whatever you have you have and we

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just kind of work right your budget, your cash flow,

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your net worth and all those things after everything is divided.

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One of the things that I'll say, and I know

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that when I'm on a pie cast, people talk about like,

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what's that one thing that you would leave a person with,

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And so I'm going to say that early and that

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one of the things that women hold on to is

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the home, and there's just that attachment there. It's like,

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this is where my kids are, this is where the

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friends are, this is where the family is. And a

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lot of times that's true. But many times I've seen

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where holding onto that home puts you in a bad situation.

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If it's underwater, if the mortgage is too high, you

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have that emotional attachment, sometimes you have to let the

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house go, and that has been a big, big mistake

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for many women.

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And I in my experience there was also the thing

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that hit me in the face was the maintenance and

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the yeah, and he's not here anymore to help you here,

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it's like and then that made me angry.

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Of course, of course, yes, absolutely same same for me

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and I had a time that our that we were

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going through our divorce. We were in a buyer's market.

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I mean, it definitely wasn't going to be in our favor,

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and so it was like, oh, okay, well, you know,

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I'll just stay here and at some point, you know,

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of course we're it's you know, we're going to be

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above water because we didn't pay a whole lot of

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money down, but at some point we're going to be

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above water. We were like way below but it took

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a few years for me to even kind of break

235
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even or even think about selling, and so I knew

236
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I was going to be here long term. So for

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me it was okay, But for that's not everyone's case.

238
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Yeah, do you find that you're working with people before

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they're going through this or in the middle, or is

240
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it kind of a mix of all three It just

241
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depends or what do you think?

242
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Yeah, it's kind of a mix. But when I do

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a lot of my social media marketing and i'm out

244
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speaking that I do talk a lot about before. So

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I do kind of get some women who are like, hey,

246
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we've been kind of thinking about this. I don't know

247
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if it's going to happen, or maybe we're separated and

248
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we're probably not going to get back together. So we're

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at that stage generally.

250
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Right, right, Well, what would you say, how how do

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your services differ from like a therapist or an attorney.

252
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I think I am a therapist.

253
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You know, I agree with that because what Michelle, I've

254
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actually have people say are you sure you're not a

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counselor are you sure you're a therapist?

256
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And I'm like, well, I feel like.

257
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It right now.

258
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Absolutely, you have to have a compassion, a lot of compassion.

259
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You have to have empathy. You have to know how

260
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to meet people where they are emotionally and try to

261
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tell them not to make an emotional emotional decisions. It's

262
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a lot that feels very therapeutic. And sometimes even with

263
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just regular financial plans, when people know that their finances

264
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are in disarray, that first call when they're kind of

265
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letting it all out, there's a cry. A lot of times,

266
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there are tears. There are there are tears being shed,

267
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and so I think you have to have a very

268
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very hot, be intentional about being empathetic.

269
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Right.

270
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Yeah. My feeling around attorneys and as I think back

271
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twenty five years ago and it's like, oh, what a

272
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train wreck, because the the attorney basically was just gathering information.

273
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Yeah, right, right right, it was.

274
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Just thank you, ma'am, and you know my right. So, yeah,

275
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so I think that in very that's the thing with

276
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women financial advisors is inherently we have more empathy and

277
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we have more of a nurturing spirit and all that

278
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sort of thing.

279
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Yes, we are very nurturing, and you know, to answer

280
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that question, obviously, you're right, an attorney is really looking

281
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at get me the paperwork or get me the documents

282
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that I need. Obviously we're trying to be a mixture

283
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of working on finances but being empathetic and being compassionate. Obviously,

284
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a therapist is going to have the tools that they need,

285
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So we don't have the tools necessarily that a therapist has,

286
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so they still do need a therapist. But it does

287
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feel like we are part of those therapy sessions.

288
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Yeah.

289
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I know that.

290
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The first therapist I went to, it was a male therapist,

291
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and all I wanted to do was throw the garbage

292
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can at him.

293
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You know, it was just like.

294
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And I realized really quickly that he was offering was

295
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not what I needed.

296
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Right.

297
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So, but speaking of that, what do you think some

298
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of the biggest challenges are the people face emotionally during

299
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a divorce.

300
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So the probably the worst one is the anger, because

301
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when you are angry, you can make some really bad decisions.

302
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And you know, anger and depression are very emotional about

303
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the divorce, not wanting to do it and really wanting.

304
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To do it.

305
00:18:38.039 --> 00:18:40.960
Those kind of run neck and neck. But man, anger

306
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certainly makes you do some really bad things, like you

307
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may do something that can send you to.

308
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Yeah, you're so angry. All you want to do is

309
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like revenge.

310
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Absolutely, you want revenge. You want to take everything, you

311
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want to make every topic that comes, we want to

312
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make her time. Yes, you want to make them hurt.

313
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So anger is probably the worst emotion during that time.

314
00:19:11.240 --> 00:19:12.839
Yeah, we've never felt that, Rachelle.

315
00:19:12.880 --> 00:19:15.839
No, no, not at all. We never wanted to.

316
00:19:19.599 --> 00:19:24.480
So how about, like logistically or legally, what do you

317
00:19:24.559 --> 00:19:29.480
think tends to surprise people? Most people have no idea

318
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what they're getting into.

319
00:19:31.039 --> 00:19:34.640
Right, most the costs, So, first of all, the cost

320
00:19:34.720 --> 00:19:38.279
of a divorce is the shocker for most people. And

321
00:19:38.480 --> 00:19:42.599
if you're even in mediation, like because that's where I was,

322
00:19:42.680 --> 00:19:44.799
and I thought, and I don't remember the cost, but

323
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I thought, oh boy, we better hurry and get out

324
00:19:47.440 --> 00:19:50.880
of this room, because that bill is really racking up.

325
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Because mediators, you know, they charge what they charge, and

326
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they charge per hours. So I think one of the

327
00:19:57.079 --> 00:20:02.079
biggest things is the cost. The second thing is the

328
00:20:02.160 --> 00:20:05.640
time that it takes to go through a divorce. So

329
00:20:05.720 --> 00:20:09.319
some courts are backed up when it comes to family law,

330
00:20:09.359 --> 00:20:12.519
and you may see that your divorce gets stretched out

331
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for months when you're like, I want to get this

332
00:20:14.839 --> 00:20:16.839
thing over with, I want to get it done, but

333
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it gets stretched out. So I think that that the cost,

334
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the time and when they send those papers and they

335
00:20:25.799 --> 00:20:29.759
say we want to know everything, every bill, every credit card,

336
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every account, doesn't it oh my gosh, oh my gosh, people.

337
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I think that that is a surprise for many people.

338
00:20:38.880 --> 00:20:40.480
Yeah. Well, but.

339
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I have always felt like mediation is less expensive than

340
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just going to the attorney.

341
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Because yeah, I mean it's supposed to be.

342
00:20:50.279 --> 00:20:54.640
It should be because if you can somehow work together

343
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and make agreements, then with an attorney you're going to

344
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have this back and forth with sending paperwork and oh

345
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I can get into a huge mail gosh.

346
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Yeah.

347
00:21:06.279 --> 00:21:09.240
Yeah, with mediation, you're right if you're on the same

348
00:21:09.319 --> 00:21:12.920
page and you can kind of knock some of that

349
00:21:13.000 --> 00:21:16.880
out even before you go in that that definitely makes

350
00:21:16.880 --> 00:21:20.000
it better. Wasn't my case, but I wasn't in mediation

351
00:21:20.079 --> 00:21:23.559
for a long time. But knocking things out in advance,

352
00:21:24.079 --> 00:21:26.799
I didn't really do that, but that would be a

353
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way to help with that expense.

354
00:21:29.759 --> 00:21:30.599
Yeah.

355
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Do you think that there's some misconceptions out there about

356
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how divorce really is.

357
00:21:40.519 --> 00:21:45.279
Yeah, And I think most of us feel like it's

358
00:21:45.359 --> 00:21:50.880
the end. You know, life is over. You know what

359
00:21:50.920 --> 00:21:54.039
am I gonna do? And for some people, when they've

360
00:21:54.039 --> 00:21:56.680
been with someone for so long, that is their life,

361
00:21:56.759 --> 00:22:00.319
that's you know, what they have known forever. So I it.

362
00:22:00.920 --> 00:22:06.000
But I'm surprised that some people are like, Okay, that's it.

363
00:22:07.000 --> 00:22:10.359
I'm not dead, We're moving forward. So I think some

364
00:22:10.400 --> 00:22:13.960
people have this misconception that like it's a death, it's

365
00:22:14.000 --> 00:22:19.400
the end, and in reality, it's the beginning of that

366
00:22:19.599 --> 00:22:20.279
beginning after.

367
00:22:20.920 --> 00:22:24.400
I know, for me it was I was married to

368
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my first husband for twenty five years, and so it

369
00:22:28.119 --> 00:22:30.920
was and here I am, I'm midlife when this happens,

370
00:22:31.400 --> 00:22:36.839
and I very much felt like I needed to reinvent myself.

371
00:22:37.680 --> 00:22:41.559
I had to anew think how do I what do

372
00:22:41.599 --> 00:22:43.559
I want? The rest of my life to look like,

373
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you know. And so I think people just when when

374
00:22:48.279 --> 00:22:50.960
all the initial things that happened, you're not thinking about that.

375
00:22:51.680 --> 00:22:56.039
But eventually I think people, yeah, depending on where they're at.

376
00:22:57.079 --> 00:22:59.279
If they're really in a funk, then it's going to

377
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take longer, don't you think. And also I think people

378
00:23:04.279 --> 00:23:07.720
are not going to want to I think if people

379
00:23:07.799 --> 00:23:10.799
are more accepting of what the situation is, they're going

380
00:23:10.880 --> 00:23:12.240
to be more willing to work with you.

381
00:23:12.680 --> 00:23:17.400
Sure, absolutely. And I think part of my job and

382
00:23:17.599 --> 00:23:22.079
putting myself out there as a financial planner who works

383
00:23:22.079 --> 00:23:25.039
with divorces, I think they come in feeling like there's

384
00:23:25.079 --> 00:23:27.519
a lot that I already know and and there and

385
00:23:27.599 --> 00:23:30.680
there is. But what I try to tell them and

386
00:23:30.720 --> 00:23:33.640
it is that it's not all just about the money.

387
00:23:33.640 --> 00:23:37.400
There's a lot more that goes into it than just

388
00:23:38.039 --> 00:23:40.880
the money and just the assets. Especially when you have

389
00:23:41.039 --> 00:23:45.720
kids and you know life insurance policies and all those things.

390
00:23:45.759 --> 00:23:50.759
It's way deeper than just you know, child support.

391
00:23:51.640 --> 00:23:54.079
What is What do you think the role of communication

392
00:23:54.319 --> 00:23:56.279
is and how smoothly it goes?

393
00:23:57.240 --> 00:24:00.440
So in my divorce checklist, one of the things that

394
00:24:00.519 --> 00:24:01.720
I talk about is.

395
00:24:02.640 --> 00:24:07.519
Said, yes, that's that divorce checklist is gonna be in

396
00:24:07.559 --> 00:24:13.119
my bonus downloads on the podcast website, will be a

397
00:24:13.519 --> 00:24:18.119
whole flyer. That is what Rachelle has provided. That is

398
00:24:18.160 --> 00:24:20.759
this divorce checklist, and so you can go find out

399
00:24:20.759 --> 00:24:23.480
at the bonus downloads on the podcast website.

400
00:24:23.599 --> 00:24:24.920
Okay, gosh, we'll go ahead.

401
00:24:24.920 --> 00:24:27.799
Awesome, thank you, thank you. But one of the things

402
00:24:27.799 --> 00:24:32.039
that I say is if you can keep open communication,

403
00:24:33.200 --> 00:24:36.640
you want to do that, like you don't want one

404
00:24:36.839 --> 00:24:40.319
person to close down. Like, if you can keep things open,

405
00:24:40.839 --> 00:24:46.720
that is the best situation. Because once people start closing down,

406
00:24:47.319 --> 00:24:52.759
lines are drawn, boundaries are set, and now we're just

407
00:24:52.839 --> 00:24:56.640
talking through attorneys and it's costing us more. It's gonna

408
00:24:56.680 --> 00:25:00.400
take longer. But if you can keep that commune unication

409
00:25:00.599 --> 00:25:05.119
going and keep the peace, it certainly will help make

410
00:25:05.200 --> 00:25:10.880
your final divorce smoother. Yeah, the whole process is smoother.

411
00:25:11.240 --> 00:25:12.480
Oh yeah, Yeah.

412
00:25:12.519 --> 00:25:14.440
It's difficult no matter how you cut it.

413
00:25:14.960 --> 00:25:17.119
But how important do you.

414
00:25:17.079 --> 00:25:20.039
Think a support team is around somebody who's going through

415
00:25:20.039 --> 00:25:20.599
a divorce.

416
00:25:21.440 --> 00:25:26.200
Where I'm seeing that show up the most is for

417
00:25:26.440 --> 00:25:31.680
people who have children and small children. So if mom

418
00:25:32.359 --> 00:25:37.119
is primarily taking care of the three kids, and Dad

419
00:25:37.440 --> 00:25:39.680
has his own place and you know he's going and

420
00:25:39.759 --> 00:25:42.319
going to work doing his thing like as he should be.

421
00:25:43.400 --> 00:25:46.720
Mom still has to get the kids up, get breakfast,

422
00:25:46.880 --> 00:25:50.400
get them to the school. If there's extracurricular activities, they

423
00:25:50.440 --> 00:25:52.880
have to handle all that. And so if you don't

424
00:25:52.920 --> 00:25:56.680
have family and friends who can support you during that time,

425
00:25:57.079 --> 00:26:01.680
it can get very, very rough. I think you have

426
00:26:01.839 --> 00:26:05.160
to have someone. I mean, I guess you can pay

427
00:26:06.000 --> 00:26:09.960
to get that type of help if necessary. But where

428
00:26:10.039 --> 00:26:12.400
that comes up the most of course, is when you

429
00:26:12.480 --> 00:26:15.759
have those minor kids that need that extra care. And

430
00:26:15.960 --> 00:26:20.000
also second to that, it would be for someone who

431
00:26:20.319 --> 00:26:23.880
is having a very rough time going through divorced. You

432
00:26:24.039 --> 00:26:26.839
definitely need that support. So if you're at the point

433
00:26:26.880 --> 00:26:30.480
where you are depressed, or maybe you want to harm

434
00:26:30.559 --> 00:26:34.240
yourself or you want to harm the other person, your

435
00:26:34.400 --> 00:26:38.720
support team is going to be extremely important.

436
00:26:40.319 --> 00:26:43.519
Do what do you What do you think some of

437
00:26:43.559 --> 00:26:46.599
the most common mistakes are the people make when they're going.

438
00:26:46.480 --> 00:26:47.119
Through a divorce.

439
00:26:47.880 --> 00:26:50.000
Well, the one I told you that was fixed out

440
00:26:50.079 --> 00:26:52.319
is about the who's going to keep the home? And

441
00:26:52.519 --> 00:26:55.119
it is it should you keep the home? I think

442
00:26:55.160 --> 00:26:59.079
that that is like way up there. The second thing

443
00:26:59.200 --> 00:27:02.519
is I feel like if you are the one who's

444
00:27:02.640 --> 00:27:05.839
not the bread winner, and not that I'm trying to

445
00:27:05.880 --> 00:27:08.400
say that you need to drain the other person dry,

446
00:27:08.480 --> 00:27:11.799
but if you're not the bread winner, you really need

447
00:27:11.839 --> 00:27:16.240
to negotiate as much as you can because typically there's

448
00:27:16.279 --> 00:27:22.720
no going back, right. So I have women that say, hey,

449
00:27:22.799 --> 00:27:25.720
you know, if he pays me, you know, five hundred

450
00:27:25.759 --> 00:27:28.039
dollars a month, that should be good because that'll take

451
00:27:28.079 --> 00:27:32.920
care of food or whatever. And so I always say, yeah,

452
00:27:33.000 --> 00:27:36.960
it takes care of that now. But remember, you have

453
00:27:37.000 --> 00:27:39.400
a child that goes to birthday parties, so you got

454
00:27:39.440 --> 00:27:41.440
to get gifts when they go to birthday parties. You

455
00:27:41.559 --> 00:27:46.079
have a kid that's very active in basketball, does that

456
00:27:46.160 --> 00:27:48.599
cover the gas and those things? So I think a

457
00:27:48.640 --> 00:27:52.079
lot of times we when we are the non bread winner,

458
00:27:52.119 --> 00:27:57.480
we sell ourselves or sell ourselves short and we ask.

459
00:27:57.359 --> 00:28:01.720
For And the other thing is, uh, mine was in

460
00:28:01.839 --> 00:28:04.599
Washington State and there was like a five year thing

461
00:28:05.319 --> 00:28:08.400
that that where the non bread winning or the lower

462
00:28:08.440 --> 00:28:12.880
bread bread winning spouse receives a stipend. No, I thought

463
00:28:12.880 --> 00:28:15.079
it was ready for when that was gonna be ending.

464
00:28:15.559 --> 00:28:19.039
But man, when that you know, it's it's from this

465
00:28:19.119 --> 00:28:21.559
state to this state, and then you better be ready

466
00:28:21.720 --> 00:28:23.799
when that doesn't it's not there anymore.

467
00:28:24.119 --> 00:28:27.799
Yeah, yeah, that is That is so true and kind

468
00:28:27.799 --> 00:28:30.440
of like you know, like you say stipen or alimony,

469
00:28:30.559 --> 00:28:33.680
like it wants that some alimony is lifelong. And then

470
00:28:33.759 --> 00:28:37.400
so here's the thing. When some of those agreements are

471
00:28:37.400 --> 00:28:39.599
written up, it's like, hey, you're going to get this amount,

472
00:28:39.680 --> 00:28:41.920
but do you remember that if you get married again,

473
00:28:42.400 --> 00:28:45.440
you know, this goes away. And when you go out there,

474
00:28:45.559 --> 00:28:47.559
you fall in love and you get married again and

475
00:28:47.759 --> 00:28:51.119
that money goes away. But then it's like, oh, shoot,

476
00:28:51.240 --> 00:28:54.440
this isn't gonna work out. So yeah, you kind of

477
00:28:54.480 --> 00:28:55.480
mess yourself up.

478
00:28:56.279 --> 00:28:58.720
What do you do you think that there's anything that

479
00:28:58.799 --> 00:29:01.079
people do that that make it harder.

480
00:29:02.799 --> 00:29:05.920
For the divorce, harder than.

481
00:29:05.839 --> 00:29:08.119
It needs to be? Yeah, is there anything?

482
00:29:08.160 --> 00:29:09.599
What do you what do you think people do that

483
00:29:09.759 --> 00:29:11.119
make it harder than it needs to be.

484
00:29:11.480 --> 00:29:17.000
Yeah, So remember we talked about anger. We talked about anger,

485
00:29:17.119 --> 00:29:24.440
and so anger shutting down communication. Those you know, not

486
00:29:24.720 --> 00:29:28.000
planning for the divorce, so you know that it's gonna happen,

487
00:29:28.079 --> 00:29:30.720
like you know, we're going to mediation today or whatever.

488
00:29:30.920 --> 00:29:35.119
Why are you coming in here unprepared. You know, to

489
00:29:35.200 --> 00:29:39.079
me that that just makes it harder. And those three

490
00:29:39.079 --> 00:29:43.880
things stand out. I'm sure there are more, but again,

491
00:29:44.119 --> 00:29:46.640
kind of going back to that anger thing. When you

492
00:29:46.880 --> 00:29:51.000
are angry and you want to fight over every little

493
00:29:52.519 --> 00:29:58.240
fork and spoon, you're just making a situation, making it worse. Yeah.

494
00:29:58.359 --> 00:30:02.039
Would that go along with maybe somebody that is trying

495
00:30:02.119 --> 00:30:04.200
to quote unquote win a divorce?

496
00:30:05.200 --> 00:30:07.480
I think, yeah.

497
00:30:07.960 --> 00:30:09.920
Somebody is winning in this whole thing.

498
00:30:10.039 --> 00:30:13.119
I don't oh yeah, and like think about I can't

499
00:30:13.119 --> 00:30:16.160
think of one specifically, but when you think about divorce

500
00:30:16.599 --> 00:30:19.799
in the movies and how this one is trying to

501
00:30:19.880 --> 00:30:23.279
up that person, or like who gets served first in

502
00:30:23.440 --> 00:30:27.599
what state you get served in? Those are people who

503
00:30:27.680 --> 00:30:30.920
are probably trying to win or get the best outcome

504
00:30:31.039 --> 00:30:32.119
for themselves.

505
00:30:32.319 --> 00:30:32.720
Yeah.

506
00:30:33.359 --> 00:30:36.279
What do you think the stages are that people go

507
00:30:36.359 --> 00:30:39.079
through when they're going through a divorce? You know, like,

508
00:30:39.319 --> 00:30:42.119
walk me through. What do you think the emotional stages are?

509
00:30:42.720 --> 00:30:42.960
Well?

510
00:30:43.160 --> 00:30:47.359
Probably angers at the beginning, maybe yeah, yeah, but you know,

511
00:30:48.759 --> 00:30:50.200
probably right before the anger.

512
00:30:50.400 --> 00:30:54.400
I think most of us recognize when a divorce is coming, right,

513
00:30:54.880 --> 00:30:58.319
so there may be that sorrow there. I feel like

514
00:30:58.519 --> 00:31:02.359
when you get if you already know that it's coming.

515
00:31:02.839 --> 00:31:05.759
When you get to the table, you're actually not as

516
00:31:05.839 --> 00:31:09.079
upset because you've already cried, like you've already went through

517
00:31:09.559 --> 00:31:13.720
the grief of it. But when that when that kind

518
00:31:13.720 --> 00:31:17.240
of settles down, if the other person isn't communicating, or

519
00:31:17.279 --> 00:31:20.000
if boundaries have been set, and that anger comes in,

520
00:31:20.119 --> 00:31:22.240
especially if it's something where you like you cheat it

521
00:31:22.640 --> 00:31:28.240
now that is you know, that's a whole set up.

522
00:31:29.279 --> 00:31:32.480
That's that anger, right there is a different type of anger,

523
00:31:32.519 --> 00:31:35.400
and you don't want another person to have anything. You

524
00:31:35.440 --> 00:31:37.920
want to make You want to make it hard for them,

525
00:31:38.240 --> 00:31:40.440
so you're angry, and then you come to the point

526
00:31:40.440 --> 00:31:43.680
where it's like, Okay, this is what's gonna happen. We're

527
00:31:43.720 --> 00:31:48.000
just gonna you know, let's get through this process. Let

528
00:31:48.000 --> 00:31:51.960
me stay sane, as sane as possible, get through this process.

529
00:31:52.039 --> 00:31:55.279
Maybe all cry, maybe I'll be angry, maybe I'll lash out.

530
00:31:55.640 --> 00:31:57.839
And then you get to the end, and I think

531
00:31:57.920 --> 00:32:01.440
that end is what you make it. So it's the

532
00:32:01.559 --> 00:32:03.440
end of the divorce, but like we said, it's the

533
00:32:03.480 --> 00:32:07.279
beginning of your next chapter. And so that is what

534
00:32:07.359 --> 00:32:10.319
you make it. So for some people it feels like freedom,

535
00:32:10.519 --> 00:32:12.799
like I can breathe now, I can move on with

536
00:32:12.920 --> 00:32:16.359
my life. It feels like freedom. And so it's like

537
00:32:16.440 --> 00:32:20.880
you have a new look on life. You cut your

538
00:32:20.960 --> 00:32:22.880
hair or color your hair, they say that's one of

539
00:32:22.920 --> 00:32:25.759
the first things you do, or lose weight, however you

540
00:32:26.079 --> 00:32:30.160
decide to handle that. But that feeling or that particular

541
00:32:30.240 --> 00:32:33.319
part of the divorce to me is what you make it.

542
00:32:33.680 --> 00:32:36.839
Yeah, we're kind of talking a little bit now about

543
00:32:36.880 --> 00:32:41.480
like mindset and healing. What do you think helps people

544
00:32:43.079 --> 00:32:47.319
most and moving forward and rebuilding their life.

545
00:32:47.799 --> 00:32:51.519
Yeah, so having a plan one like if you just

546
00:32:51.599 --> 00:32:54.880
kind of get out there and it's willy nilly, you

547
00:32:55.359 --> 00:32:58.400
struggle to put the pieces together and to move forward.

548
00:32:58.480 --> 00:33:02.240
So having a plan, not just a financial plan, but

549
00:33:02.400 --> 00:33:05.359
just a plan as much as you can for your life.

550
00:33:05.920 --> 00:33:10.640
I have my clients do vision boards, financial vision boards

551
00:33:10.640 --> 00:33:12.720
and just kind of life vision boards, like how do

552
00:33:12.759 --> 00:33:15.599
you see yourself on the other side of this, So

553
00:33:15.640 --> 00:33:18.200
it gives them something to look forward to, it gives

554
00:33:18.200 --> 00:33:20.759
them something to plan for.

555
00:33:22.000 --> 00:33:24.319
You know, I've done vision boards in the past, and

556
00:33:25.640 --> 00:33:28.599
I've kept a couple of them, but yeah, that was

557
00:33:28.599 --> 00:33:31.000
something that I did that was kind of my next

558
00:33:31.079 --> 00:33:33.960
question and if there's anybody that doesn't know what a

559
00:33:34.039 --> 00:33:38.039
vision board, let's expand on what would you say as

560
00:33:38.079 --> 00:33:38.839
a vision board?

561
00:33:39.359 --> 00:33:42.319
Yeah, I can give a flash of mind right here.

562
00:33:42.359 --> 00:33:44.279
I can't know at all, but I keep find on

563
00:33:44.319 --> 00:33:46.599
my desk because this one that I did is small.

564
00:33:46.960 --> 00:33:49.400
But it's just kind of looking at the year and

565
00:33:49.519 --> 00:33:51.559
you know, what do you want to have for the year.

566
00:33:52.759 --> 00:33:55.359
People do it differently. Now you can do a digital

567
00:33:55.440 --> 00:33:59.359
vision board, and what you're doing is you're basically thinking

568
00:33:59.400 --> 00:34:02.440
about what you want your future to look like and

569
00:34:02.519 --> 00:34:05.119
taking that out of your mind, out of your brain

570
00:34:05.200 --> 00:34:07.519
and putting it on a poster board or somewhere in

571
00:34:07.599 --> 00:34:10.119
your phone or if you're doing it digitally. So it's

572
00:34:10.119 --> 00:34:13.320
something that you can always look at, something that you

573
00:34:13.400 --> 00:34:16.119
can meditate on. You can you know a lot of

574
00:34:16.159 --> 00:34:19.519
people pray about the different things that they want to

575
00:34:19.599 --> 00:34:22.400
have in their lives, but you don't forget. And a

576
00:34:22.400 --> 00:34:24.920
lot of times when you are having a bad day

577
00:34:25.079 --> 00:34:27.920
or you're confused, or you're like, what's my purpose? What

578
00:34:28.000 --> 00:34:29.920
do I want to do? You can go back to

579
00:34:29.960 --> 00:34:32.559
that vision board and say, you know what, this is

580
00:34:32.639 --> 00:34:34.800
something that I said I want to do. Maybe I'll

581
00:34:34.840 --> 00:34:36.639
work on this today.

582
00:34:38.159 --> 00:34:45.239
And really, to me, that's all about being proactive instead

583
00:34:45.280 --> 00:34:51.280
of just continually ruminating about the past and what if

584
00:34:51.639 --> 00:34:53.440
I should have done this, or I should have done that,

585
00:34:53.719 --> 00:34:55.679
or he should have done this, or he should have

586
00:34:55.719 --> 00:35:00.320
done that. Then really this is very much about I

587
00:35:00.360 --> 00:35:03.760
think this is a really good practice for healing, for

588
00:35:03.840 --> 00:35:05.400
starting their process of healing.

589
00:35:05.719 --> 00:35:09.079
Oh yeah, oh yeah. And for those for people who

590
00:35:09.119 --> 00:35:11.840
are spiritual or religious or or however you want to

591
00:35:11.880 --> 00:35:18.760
call it, prayer and meditation are so necessary. I think

592
00:35:18.920 --> 00:35:23.239
that's the way you get through those hard times, like

593
00:35:23.320 --> 00:35:26.280
you have to, like it says in the Bible, peace

594
00:35:26.320 --> 00:35:28.760
be still. You have to get your mind still and

595
00:35:28.800 --> 00:35:31.519
get in a place where you can hear what your

596
00:35:31.679 --> 00:35:35.039
next moves should be and you have some guidance on that.

597
00:35:36.519 --> 00:35:41.519
So what financial issues should people be especially mindful of.

598
00:35:43.079 --> 00:35:46.239
Well, coming out of it that budget and then so

599
00:35:46.320 --> 00:35:50.599
I'm gonna raise my hand therein because I went from

600
00:35:50.639 --> 00:35:54.840
two incomes, of course to one, but I still lived

601
00:35:55.159 --> 00:35:59.880
like I had two. And that's where let's have a problem.

602
00:36:00.119 --> 00:36:01.400
That's a big problem.

603
00:36:01.480 --> 00:36:04.800
You if you like, you have to change your lifestyle.

604
00:36:05.239 --> 00:36:07.840
In some cases, now some people may not have to,

605
00:36:07.920 --> 00:36:10.920
but for the most part, You're going to have to

606
00:36:11.559 --> 00:36:16.239
change your lifestyle, and that is hard for some people

607
00:36:16.239 --> 00:36:19.239
to wrap their heads around, especially when you've had a

608
00:36:19.280 --> 00:36:23.199
lifestyle that may have been glamour and glitz and you know,

609
00:36:23.320 --> 00:36:25.440
maybe you don't want to be with us ordinary people

610
00:36:25.480 --> 00:36:29.400
anymore and you have to you have to be So

611
00:36:30.000 --> 00:36:35.159
that lifestyle change is definitely at the top of the list.

612
00:36:35.679 --> 00:36:39.480
I say, we create a hypothetical budget. Again, like when

613
00:36:39.480 --> 00:36:41.800
you get on the other side of this, what do

614
00:36:41.840 --> 00:36:44.400
we think our expenses are going to be. You're in

615
00:36:44.480 --> 00:36:46.599
the house now, so you know what the mortgage is

616
00:36:46.639 --> 00:36:52.079
going to be. You know what the house expenses are,

617
00:36:52.599 --> 00:36:56.039
So get a hypothetical budget so you know what you're

618
00:36:56.119 --> 00:36:57.840
looking at it.

619
00:36:58.000 --> 00:37:02.119
Kind of over time, I've but instead of budget, I've

620
00:37:02.159 --> 00:37:06.079
thought about cash flow, absolute's coming in and what's going out,

621
00:37:06.679 --> 00:37:10.159
and like that was one of the mistakes. One of

622
00:37:10.199 --> 00:37:13.480
the reasons, Michelle that this podcast is called Ask Good

623
00:37:13.559 --> 00:37:17.800
Questions is because when I was starting this podcast and

624
00:37:18.119 --> 00:37:20.639
I was asked, what do you want to call it,

625
00:37:20.679 --> 00:37:25.719
and I'm like, ask good questions? Because not asking good

626
00:37:25.800 --> 00:37:29.440
questions and not even knowing some of the questions I

627
00:37:29.480 --> 00:37:32.079
should ask, have been the reason for some of the

628
00:37:32.119 --> 00:37:33.800
biggest mistakes I've ever made.

629
00:37:34.000 --> 00:37:37.199
Oh absolutely, I think that's a group. First of all,

630
00:37:37.280 --> 00:37:39.679
the title of the podcast is great. The name of

631
00:37:39.719 --> 00:37:41.000
the podcast is great.

632
00:37:42.480 --> 00:37:42.679
You know.

633
00:37:42.760 --> 00:37:47.000
It's almost like in school, you ask the basic questions,

634
00:37:47.079 --> 00:37:48.840
like but that's really not going to help you with

635
00:37:48.880 --> 00:37:50.920
your homework. That's not really not going to help you

636
00:37:50.960 --> 00:37:55.079
solve the problem. So you're right, ask good questions. And

637
00:37:55.519 --> 00:37:59.280
we've always said, no question is a stupid question. We

638
00:37:59.360 --> 00:38:02.440
really do mean that. We really do mean that.

639
00:38:03.519 --> 00:38:08.000
How can somebody protect themselves financially during a divorce?

640
00:38:09.239 --> 00:38:15.440
What do you think? You definitely have to pay attention.

641
00:38:17.119 --> 00:38:20.920
This is so important to me. You have to, I guess,

642
00:38:21.079 --> 00:38:23.320
kind of like sports, you have to be in the game.

643
00:38:23.840 --> 00:38:27.039
Don't just let people run over you. I know, the

644
00:38:27.119 --> 00:38:30.960
attorney is just another person, right, your attorney in their person,

645
00:38:31.039 --> 00:38:35.039
it's just another person. You can't be afraid of them.

646
00:38:35.599 --> 00:38:39.519
Try to look at it as having open dialogue, having

647
00:38:39.559 --> 00:38:44.760
a conversation. Do not get run over and just take

648
00:38:45.039 --> 00:38:48.119
what is given to you. So you know, when you're

649
00:38:48.199 --> 00:38:53.760
negotiating in a divorce, the attorney that puts out the

650
00:38:53.880 --> 00:38:58.280
first plan, they're not expecting you to take that first deal.

651
00:38:58.320 --> 00:39:01.800
They're expecting you to push back and come and counter offer, right,

652
00:39:02.199 --> 00:39:06.039
So you don't just accept the first deal if it's

653
00:39:06.119 --> 00:39:09.440
not what you all discussed openly, if you don't think

654
00:39:09.440 --> 00:39:12.079
it's going to be beneficial to you. So you have

655
00:39:12.199 --> 00:39:15.480
to protect yourself in that way. And the second thing

656
00:39:15.639 --> 00:39:19.639
is we talked about like insurance and trusts and those things.

657
00:39:20.159 --> 00:39:23.480
You got to go back, update your beneficiaries. You have

658
00:39:23.559 --> 00:39:27.840
to oh boy, update your trust, change the language in there,

659
00:39:28.440 --> 00:39:31.440
don't weigh, change the deed on your home, like all

660
00:39:31.519 --> 00:39:34.960
of those have to be done.

661
00:39:35.239 --> 00:39:36.599
Yeah, to protect yourself.

662
00:39:37.079 --> 00:39:40.159
Ran. Actually, this is especially you know, it comes into

663
00:39:40.159 --> 00:39:44.719
play with like co parenting. Yes, it's just like, oh,

664
00:39:44.880 --> 00:39:47.599
you've got to you've got to put it aside because

665
00:39:47.599 --> 00:39:50.840
you still have everyday life going on, especially when you're

666
00:39:50.880 --> 00:39:55.239
co parenting. Then you know, just yeah, it can be

667
00:39:55.280 --> 00:40:00.119
incredibly crazy. I remember I had a good friend and

668
00:40:00.199 --> 00:40:03.800
one of my longtime friends who called me every single

669
00:40:03.920 --> 00:40:09.119
day and that really helped in being through those first

670
00:40:09.519 --> 00:40:12.760
that first little while with how to deal with with

671
00:40:12.840 --> 00:40:14.000
the enormity of what.

672
00:40:13.920 --> 00:40:17.679
Was going on. Yes, absolutely, twenty five years. That is

673
00:40:17.800 --> 00:40:23.039
no short period of time. Yeah, that's nice. That's less

674
00:40:24.320 --> 00:40:26.239
years so.

675
00:40:28.199 --> 00:40:30.159
We could go on, I think for a while, but

676
00:40:30.320 --> 00:40:31.360
we're almost done.

677
00:40:31.719 --> 00:40:33.800
We can go on for a while.

678
00:40:34.119 --> 00:40:36.960
Yeah, we could tell stories. I could tell stories and

679
00:40:37.000 --> 00:40:41.159
you could tell stories. We'll just kind of leave it

680
00:40:41.599 --> 00:40:44.039
like it is. You know, we've kind of hinted around

681
00:40:44.079 --> 00:40:46.079
at some of the things that have happened to us.

682
00:40:46.400 --> 00:40:49.840
But okay, so remember what you said, what's that one

683
00:40:49.880 --> 00:40:51.199
thing we're.

684
00:40:50.960 --> 00:40:52.159
Going to wrap up? Now?

685
00:40:52.559 --> 00:40:54.320
Yes, what would you say?

686
00:40:55.000 --> 00:40:57.440
It would be the one thing you want to leave.

687
00:40:57.639 --> 00:40:59.880
I want to make sure people go and get your

688
00:41:00.159 --> 00:41:03.119
your checklist, sure if they are going through this, But

689
00:41:03.440 --> 00:41:07.440
what else? What would you say to someone who's potentially

690
00:41:07.480 --> 00:41:08.239
going through this?

691
00:41:09.800 --> 00:41:12.280
So I did say that one thing, but I would

692
00:41:12.800 --> 00:41:19.000
go above that and say divorce can be tough. Right. So,

693
00:41:20.480 --> 00:41:22.519
I don't know where we are. Where we are now,

694
00:41:22.559 --> 00:41:26.400
we're probably still in the fifty percent somewhere around there

695
00:41:26.440 --> 00:41:31.559
with the divorce rate. So I say, you have to

696
00:41:31.599 --> 00:41:36.039
do things before you get married, right because there is

697
00:41:36.159 --> 00:41:40.800
that probability. I know everybody's in love and divorce is

698
00:41:40.880 --> 00:41:45.840
not a sexy topic, but I say, do things before

699
00:41:45.920 --> 00:41:49.559
you get married. If you need a prenup, you just

700
00:41:49.639 --> 00:41:53.800
need a prenup. It is a tool. If you need

701
00:41:53.840 --> 00:41:57.639
to set up a trust so that you do not

702
00:41:58.039 --> 00:42:03.119
unintentionally disinherit your children from a previous marriage, then set

703
00:42:03.159 --> 00:42:08.119
it up so pre divorce. To me, preparing for that

704
00:42:08.320 --> 00:42:11.719
is actually doing things before you even walk down the aisle.

705
00:42:12.199 --> 00:42:14.679
It's kind of like, what do you want life to

706
00:42:14.719 --> 00:42:18.239
look like? And so you and so, Like I've said

707
00:42:18.239 --> 00:42:21.320
this in other settings, but it's like you plan for

708
00:42:21.400 --> 00:42:23.159
the worst, but you hope for the best.

709
00:42:23.440 --> 00:42:29.599
Yes, yes, yes, I mean it's not sexy, but you know,

710
00:42:29.760 --> 00:42:34.880
the percentages, the statistics are not always in our favor

711
00:42:35.079 --> 00:42:38.880
when they come to having a long, successful marriage, So

712
00:42:39.039 --> 00:42:45.159
go in with some protections, right right, So.

713
00:42:46.480 --> 00:42:49.519
Yeah, this is I just am hoping, so hoping that

714
00:42:49.719 --> 00:42:52.360
we will be able to get to those people that

715
00:42:53.119 --> 00:42:54.519
really really need.

716
00:42:54.440 --> 00:42:57.280
Some of this so that they get started off on

717
00:42:57.320 --> 00:42:58.119
the right foot.

718
00:42:59.000 --> 00:43:02.639
So I want to thank you again for joining me today.

719
00:43:03.480 --> 00:43:05.639
This has been awesome to have you with me. And

720
00:43:05.719 --> 00:43:07.800
we didn't really get to your book, but your book

721
00:43:07.880 --> 00:43:09.599
is tell me the name of your book again. It's

722
00:43:09.599 --> 00:43:11.199
on Amazon, Yes.

723
00:43:11.000 --> 00:43:12.960
It is, and thank you so much for having me.

724
00:43:13.039 --> 00:43:17.519
It's a Woman's Worth Seven Key Essentials to Financial Independence,

725
00:43:17.840 --> 00:43:20.719
and it's really just about the basics of finance. I

726
00:43:21.360 --> 00:43:24.079
know and you probably know that for most people, we

727
00:43:24.159 --> 00:43:26.480
just don't understand the basics. And you have to have

728
00:43:26.519 --> 00:43:29.039
a foundation before you can build a house.

729
00:43:29.320 --> 00:43:30.760
Right exactly.

730
00:43:31.880 --> 00:43:35.840
Well, I am hoping that we have answered and have

731
00:43:36.039 --> 00:43:39.280
asked some good questions that people will say, oh gee, I'd.

732
00:43:39.119 --> 00:43:40.800
Better ask that, go ask that.

733
00:43:41.280 --> 00:43:41.679
Yeah.

734
00:43:41.719 --> 00:43:45.159
So anyway, thank you so much for joining me today,

735
00:43:45.920 --> 00:43:49.760
and with that we will say thank you for joining

736
00:43:49.800 --> 00:43:53.079
the Ask Good Questions podcast, thank.

737
00:43:52.880 --> 00:43:53.719
You for having me.

738
00:43:56.880 --> 00:44:00.480
Today's episode is over, but we did ask good questions again,

739
00:44:00.599 --> 00:44:04.280
didn't We don't miss out as we broadcast live every

740
00:44:04.320 --> 00:44:08.239
Wednesday six pm Eastern Time on W four CY Radio

741
00:44:08.400 --> 00:44:12.239
at w fourcy dot com. Joined Banina Bellam. We're sing

742
00:44:12.360 --> 00:44:17.079
next week for more conversations with experts on finances, retirement,

743
00:44:17.199 --> 00:44:21.719
behavioral finance issues, health and wellness and more. Until then,

744
00:44:22.199 --> 00:44:28.639
remember to ask good questions.