Speaker 1 00:00:03 Okay, we need this because we need peace of mind. And that's really what it is at the end of the day. The number and that bank account is the number that says you are going to be okay. If something terrible happens
Speaker 2 00:00:18 From money fit by DRS, it's the fit show, your weekly podcast about real difficult money stories, overcoming financial obstacles and tips for building healthy money habits. I'm Todd Christensen, host of the money fit show podcast. On today's episode, we hear from a woman who shares how her husband been survived, a motorcycle accident, how they got into $100,000 of debt in a week, and how they took years of hard work to repay it. She's now passionate about teaching adults and children, how to use money as a tool and how to stay out of debt. You see what we have here is you to communicate
Speaker 3 00:01:09 Leah Ellis of endeavor, financial coaching teaches, fed up Americans how to break the paycheck to paycheck cycle and reach their money goals. She helps calm financial worries with individual and group coaching programs, budgeting for kids and teens and bookkeeping options for solopreneurs and small businesses and all that. After having experience and overcome
Speaker 2 00:01:30 Her own
Speaker 3 00:01:31 Financial nightmares, including a motorcycle accident and $100,000 of debt. I'm looking forward to this discussion with my guest, Leah Ellis, Leah, welcome to the money fit show.
Speaker 1 00:01:43 Hi, thanks for having me today.
Speaker 3 00:01:45 I am, uh, glad to have you here and you've been on our calendar for a number of weeks and I I've been looking forward to this, so good to have you, you, you, uh, know, as I mentioned to you, we're gonna start off with a kind of get to know you question. If you're ready,
Speaker 1 00:01:59 I'm ready.
Speaker 3 00:02:00 Okay. What is a favorite film? A kind of a go-to film that you ma you watch over and over and over and that you actually like,
Speaker 1 00:02:09 Well, I have a six year old, a three year old and a seven month old. And so, and Canto has been playing on repeat at my house, I think since the beginning of January. Yeah. And I still love it because it's so great. And there's a lot of adult themes that aren't like adult themes. They're just like emotional things that the adults understand that the kids just enjoy. Yeah. And I think it's a great way, uh, specifically Louis said to talk about the pressures of being a mother, even though she's not a mom, so many moms are identifying with her. And I think it's really great,
Speaker 3 00:02:42 Right? Yeah. That's uh, my, my wife has, has gone through a lot of, I mean, with, we had four kids, a lot of, uh, um, cartoons or animated features over the years, doesn't really like to watch 'em, but she watched that when she loves it and, and does, has watched it more than once, which is, is saying a lot. We like, we like that one too.
Speaker 1 00:03:04 It's great.
Speaker 3 00:03:04 Good. Okay. So, um, I wanna get into your, uh, your journey and, and let's start your, your bio talks about two different things, uh, motorcycle accident and a hundred thousand dollars of debt, which one of those came for
Speaker 1 00:03:19 Motorcycle accident.
Speaker 3 00:03:20 All right. So now this was, uh, uh, your husband's motorcycle accident, but it's been, and he's, he's survived. He's he's okay. There's, there's some things that he has to deal with, but how, how long ago were we talking about here?
Speaker 1 00:03:33 Um, actually our son was born on this five year anniversary of his motorcycle accident. So it's been about five and a half years.
Speaker 3 00:03:40 Mm-hmm <affirmative> and financially speaking, did that, uh, what, what did that mean to you and your family?
Speaker 1 00:03:49 Um, for me, it's like this, this terrible thing that happened to my husband and I, where he was making six gears, but we weren't really making wise choices with our money. And so he got a deployment put on the schedule. He was gonna go, go on a work trip and he was gonna make a large chunk of money in a short amount of time. Mm-hmm <affirmative> so preempting his trip. We decided to take out, uh, we got a credit card to buy a new computer, an alien wear $2,500 laptop. It wasn't
Speaker 3 00:04:20 Computer. Right. Right. Of course,
Speaker 1 00:04:22 A new computer. We got a new bed, we got a new mattress. Um, and then July 22nd was a Friday. He was set to leave that Saturday mm-hmm <affirmative> and he was in his motorcycle accident. So instantaneously we went from, oh, we're gonna make $30,000 over the next three months to, oh my God, how did we apply for disability?
Speaker 3 00:04:50 Right? There was, he was gonna be out of work or, uh, not able to bring in, in income for a while. Then
Speaker 1 00:04:58 The doctors estimated that he wouldn't go back to work for or six months after his accident because he broke both ankles.
Speaker 3 00:05:05 Mm.
Speaker 1 00:05:06 They were like, you're going to have to heal and then learn how to walk again and then adapt to all of these things. He has, he had three surgeries in three months. Mm-hmm <affirmative> two of them were eight hour long surgeries over the course of two days.
Speaker 3 00:05:22 Wow.
Speaker 1 00:05:23 He had a lot of surgeries. He was really, really had a lot of injuries that had to be addressed and then healed. And because our financial situation was so, so bad, the doctors told him go back to work in, he went back to work on Halloween. Cause we couldn't afford for him to stay home anymore.
Speaker 3 00:05:44 Mm-hmm <affirmative>
Speaker 1 00:05:45 So he had to rush his healing. Right. And he spent his whole time, he was healing under extreme stress because he was, we like had to cancel the contributions to our daughter's college funds. We were like turning off services. We were doing anything we could to stay afloat because disability is great, but it was 60% of his income.
Speaker 3 00:06:06 Right.
Speaker 1 00:06:07 And that wouldn't take care of us.
Speaker 3 00:06:10 So there's yeah, go ahead.
Speaker 1 00:06:13 No, go ahead. Go,
Speaker 3 00:06:14 Go. Well, I was gonna say there, there are, you know, we being a financial educator and counts for myself. Uh, we, we teach people the importance of savings, right?
Speaker 1 00:06:24 Yeah.
Speaker 3 00:06:25 How there, there are circumstances that happen that you can't even cover with, with rational. I mean, reasonable amount of savings. What would it have taken for you guys to, to face that together and not have to worry about the financial stress that came with it? I mean, how, what would you have been looking at as far as having something in the bank?
Speaker 1 00:06:49 I, I probably, we could have survived it on five to $10,000, but we had, instead of having savings, we had just financed a whole bunch of new stuff. Yeah. So instead of we had no savings and a bunch of, of payments every month, right. And truthfully, I think $5,000 would've given us everything we needed for him to be, take time, to heal and take the disability, which is what makes me the EST is it's such a small amount of money that would've made such a massive impact for us at the time.
Speaker 3 00:07:23 And he would've been able to stay home, been O uh, another three months to focus on, on healing.
Speaker 1 00:07:30 Yeah.
Speaker 3 00:07:31 Right. Yeah. And that, that, uh, that amount is not in, uh, crazy, uh, as, and some people think there's, you know, I can't prepare for these kind of things.
Speaker 1 00:07:44 It's it's five years later and we have sitting always a 15,000 emergency fund,
Speaker 3 00:07:51 A $15,000 emergency fund. Yep. Nice, nice.
Speaker 1 00:07:56 Cause it's, it's important to me.
Speaker 3 00:07:58 Yeah. That's uh, there there's something to be said for peace of mind. Um, and that security that it brings. Yeah,
Speaker 1 00:08:06 Exactly.
Speaker 3 00:08:06 And that's, I think what, when, you know, when, when we talk about emergency funds and I tell me your experience with people that you work with as a, as a, um, financial coach, it there's a emo it's got, it seems like the most successful. There's gotta be some emotional attachment. I mean, what is it that motivates most people, some, uh, to, to actually do the savings,
Speaker 1 00:08:28 Uh, for a lot of my clients, it's their kids because I do primarily work with, uh, I work with a lot of families, um, and it's their kids or a trauma that they wish they hadn't had the face like us in our motorcycle. Mm-hmm, <affirmative> like I had to quit my job. I quit my job. And then I lost my house. Um, now I always have savings so that I don't lose my house. Um, a lot of times it is like, okay, we need this because we need peace of mind. And that's really what it is at the end of the day, the number and that bank account is the number that says you're going to be OK if something terrible happens.
Speaker 3 00:09:06 Right. Well, let's, let's, uh, I, I appreciate you sharing all that information and that, that experience. Um, and I'm, again, glad that things are, uh, were not worse than they were and, and, uh, and he's yeah. And he, he got through it.
Speaker 1 00:09:21 Yep.
Speaker 3 00:09:22 Um, let's, let's go forward to the, to the next, um, financial obstacle you, you mentioned, and, uh, the hundred thousand dollars of this is non-mortgage debt mm-hmm <affirmative> and you know, how, what happened? What, where did that come from? How did you deal with that? What was the turning point when you decided, you know, there's, we've gotta do something different here.
Speaker 1 00:09:42 So my husband was in that terrible, terrible, terrible motorcycle accident, and we still didn't learn our lesson. So we scraped by until the next summer. And he finally went on that work trip. He made some more money. Um, and we did that for probably about two and a half years where we just racked up debt. He went on a work trip who paid off all the debt. Then he went on a work trip. We racked up debt. We just had this cycle where it's okay, you'll go, you'll leave and make the money. We'll pay it off. And then I had my second daughter and my mother-in-law came out to help take care of my oldest daughter while I was in the hospital. Then she, we financed a hundred thousand worth of consumer debt in six days when my second daughter was three weeks old,
Speaker 3 00:10:30 Whoa,
Speaker 1 00:10:31 Hundred, six days. I'm pretty sure it's a world.
Speaker 3 00:10:36 No, I'm debt hundred thousand dollars. Six days.
Speaker 1 00:10:39 Yep. And then for, and then for Christmas, my mother-in-law sent us financial peace university.
Speaker 3 00:10:45 Okay. <laugh> she saw something going on there. Yeah. So was, was this like a redoing the nursery? I mean, what, what,
Speaker 1 00:10:55 So we had our second daughter and at the time when we had just our first daughter, I was leasing a Mazda, six mm-hmm <affirmative>, but it was really hard to get two car seats into the Mazda six. And there just wasn't space for anybody else. A Mazda six is a huge car. There was no reason we needed a new car.
Speaker 3 00:11:12 Okay. Right.
Speaker 1 00:11:13 But we had the second baby and we just really needed a new car. Yeah. But it couldn't be just any new car because my husband really wanted something that was electric, cuz they're a lot better for the environment. And he really wanted something with lower gas costs since it's so expensive to buy fuel here mm-hmm
Speaker 3 00:11:30 <affirmative>
Speaker 1 00:11:31 So he needed lower gas costs and I needed something new and it had to have three rows because of the two cars seat we, we really needed and three rows for two car
Speaker 3 00:11:39 Seats. Right.
Speaker 1 00:11:41 So we got the only three row hybrid that was on the market at the time of Chrysler Pacifica. But it couldn't be just the Chrysler Pacifica. It had to have cruise control and it had to have memory seats and heated seats and bin seats. Mm-hmm <affirmative> all these things that were just truly needs
Speaker 3 00:11:56 <laugh>. OK. So
Speaker 1 00:11:57 We, and we had to roll over the negative equities that we had in paying off the lease early for the Mazda.
Speaker 3 00:12:03 Right. OK. So
Speaker 1 00:12:04 It ended up being a 50 minivan.
Speaker 3 00:12:08 Wow.
Speaker 1 00:12:09 Then once we got the minivan and it was on electricity, electricity's kinda expensive too. We can't possibly charge this electric vehicle without solar panels.
Speaker 3 00:12:21 OK.
Speaker 1 00:12:22 So we did a no money down finance on solar panels at the end of the same week.
Speaker 3 00:12:29 Okay.
Speaker 1 00:12:30 So we got $40,000 solar panels to put on the, so that our car could charge overnight on solar energy. And it wouldn't be so expensive to, to have the mini bear,
Speaker 3 00:12:42 You know? And so in theory it sounds great.
Speaker 1 00:12:45 Oh, in theory, it sounds great. Except for when you think about the fact that we did this all with no money down and doing it all on debt, instead of saving some money in doing it, because I will tell you a hundred times over my van is my baby and I love it to the moon and back and having solar panels on my house is fantastic because I live at the edge of the Mojave in Southern California. I have friends regularly have electric when they have to run their air conditioner in the mines in never more than 200, because my solar panels cover 80% of my electric use
Speaker 3 00:13:19 Mm-hmm <affirmative>
Speaker 1 00:13:20 It was still a terrible way to do it.
Speaker 3 00:13:23 Mm-hmm <affirmative> did it feel, I mean, what, how, how long did it, did it take for you to after that hundred thousand dollars week to have the oh, holy cow, what did I, what did we do moment?
Speaker 1 00:13:36 Um, about two weeks later, when I sat down and made the list of bills, we were have to pay starting in January mm-hmm <affirmative> and realized that we were my 20 payment, our solar panel payments, we were spending about $700 more per month. My husband, me
Speaker 3 00:13:56 Mm-hmm <affirmative>
Speaker 1 00:13:57 And I was working on hope opening an in-home daycare. And if my in-home daycare didn't succeed, we would be bankrupt. We would not be able to pay our bills. And meanwhile, I'm holding my one month old daughter and realizing there's no hope she's ever gonna have a college fund. This poor girl can better learn to wear really hard. Cause mommy and daddy, aren't gonna be able to give her a thing.
Speaker 3 00:14:19 Mm-hmm
Speaker 1 00:14:20 <affirmative> um, I was completely heartbroken. I'm pretty sure that I was the most terrible mother ever. Cause I wasn't thinking about my kids' futures. I was thinking about our daily conveniences. And so I broke down a little bit. I told my husband, we had to do the university that his mom had sent
Speaker 3 00:14:38 Mm-hmm <affirmative>
Speaker 1 00:14:39 We kept our credit cards and we put all of our utilities on credit cards so that we could get the reward points if something was nice and we didn't really want to wait until payday, then we'd just get it on the credit card anyway, and then pay it off later. Um, and it took almost another whole year before. I was like, I'm so tired of trying to figure out what credit card bill is due to, to avoid paying these interest fees.
Speaker 3 00:15:01 Right.
Speaker 1 00:15:02 And we finally just closed the credit card and paid it off. And then, um, that's when we really buckled out on paying off the, and so over the course of 23 months, we paid off $123,000, but we did about 80,000 of it in the last year
Speaker 3 00:15:21 Uhhuh <affirmative> well that's, I mean, that, that was a lot more than what your income was. I mean, at the time. Right. Or did you, what was that cuz of the, the in-home daycare that you decided to start up?
Speaker 1 00:15:34 Um, well we cheated a little bit. My beautiful minivan got rear-end rear-ended really hard. Mm-hmm <affirmative> and we used the settlement from the, uh, the insurance mm-hmm <affirmative> to pay off the solar panels.
Speaker 1 00:15:51 So that took off a whole debt for us. And then it ended up being about another $45,000 worth of my husband's income, where we really cut everything. Mm-hmm <affirmative> um, we had six flags memberships, the day we got rid of our six flags memberships and explained to our daughter that we couldn't go ride roller coasts anymore because we were paying all, uh, um, was the day it got really, really, really real for us because we were like we're ex our child is making sacrifices so that we can make the future better. We have to take this seriously.
Speaker 3 00:16:24 Mm-hmm <affirmative> that was, that was the, that was the decision that they kind of like marked the end of your consumering consumerism, uh, uh, portion of your marriage. And now you guys are let's we're getting rid of that and moving forward.
Speaker 1 00:16:43 Yeah, exactly. That was the we, and even my six year old will still come to us now and be like, No, you'll be 30 before we pay off this house. Not really. We have a 15 year mortgage. It can't take that long, but sometimes it feels like it.
Speaker 3 00:17:00 This is the six year old, uh, now or the, the sixth, the one that was six year old back, uh, then
Speaker 1 00:17:05 She's, she's our oldest, she's six. Now, when we, when we canceled our six, five membership, she was four. Okay. And we had to explain, and her, we went for her fourth birthday and then that was our last trip.
Speaker 3 00:17:17 Mm-hmm <affirmative> what, so what are your thoughts about, I mean, you, you, this, this sounds like this, this learning experience, you, you talked about being a feeling like you were a failure as a parent mm-hmm <affirmative> there is something about the power of learning from failure, um, that, uh, was, was quite effect can be quite effective, right?
Speaker 1 00:17:43 Oh yeah. It's a huge emotion and learning and feeling that emotion and realizing like this emotion is not ever happening to me again.
Speaker 3 00:17:51 Mm-hmm <affirmative>,
Speaker 1 00:17:54 It's a huge motivator.
Speaker 3 00:17:55 What now you're as a financial coach, how do you, you you've talked about wanting others basically learn from your own mistakes so they don't make their own, right.
Speaker 1 00:18:08 Yeah. I really prefer it.
Speaker 3 00:18:09 Yeah. That, I mean, that's, I think we'd all prefer to learn from other mistakes is there is what kind of, is there a substitute to that learning from failure? How do, how do we help people make that, that change without having to learn from their own mistakes?
Speaker 1 00:18:29 I teach it to kids. Mm-hmm <affirmative> if I can teach them before they're old enough to make the mistakes and I can show them the projections on what can happen. If you follow my path, versus what can happen. If you learn from my mistakes and make your own better path, mm-hmm <affirmative> then the converse of learning through failure is learning through its Mm-hmm <affirmative>. And so I teach, I teach, I start at five years old, how to be ahead of the game so that when I sit down with 13 year olds and show them, oh, you mow lawns and you collect an income. So if you put that into retirement savings, how much could you have when you got older? And they see these astronomical numbers, then that desire to attain those big numbers is a, be a strong enough motivator that it doesn't have to hurt.
Speaker 3 00:19:22 Mm-hmm <affirmative> a lot of, a lot of, uh, parents ask the question how, how early is, is too early, or when should I start with kids five years old, obviously, you know, they don't have the dis the, uh, the, the ability to, you know, they, they still at, at six, seven years old, they still think a hundred dollars is a lot to buy a, for a house. You can buy a house with a hundred, but what, what can you be teaching them at five and six and seven?
Speaker 1 00:19:48 So I pay my daughters a weekly allowance. Mm-hmm <affirmative> I, my girls are three and six and they have, they each have a list of contributions they're expected to make into our family. Mm-hmm <affirmative>. And as thank you for the work that they do, they get paid because it's thank you for the work that I do. I get paid mm-hmm
Speaker 3 00:20:05 <affirmative>.
Speaker 1 00:20:06 And so I give them their allowance and in there, when they get their allowance, they're required to, by, into envelopes. Um, and they have to do short term and long term savings giving and spending mm-hmm <affirmative>. And my oldest has to be able to identify what she's saving for and how much it costs when she puts money into her shortterm savings. And for her long term savings, she is saving for a hot pink Mazda with the, that. She knows exactly what kind car she wants for her. And she just knows that she's going in until she's 16 years old. And she doesn't even look at what the balances she just wants know that she's
Speaker 3 00:20:47 <affirmative>,
Speaker 1 00:20:48 I think it's really important with our little ones that we, all it is to do a budget and plan for your money is to take your money and decide what you want to spend it on before you, it mm-hmm <affirmative>. And the, whether you 5 35, there's only three things you can do with money, spend, save, or give mm-hmm <affirmative> for grownups saving gets a lot fancier, but it still just spends save or give. And so I have a worksheet when I teach my budgeting classes for five year olds, we do a paper budget and it has spending, saving and giving mm-hmm <affirmative>. And that way they understand these are the things that I do. My
Speaker 3 00:21:28 Mm-hmm <affirmative>. I, I, we, we do a, a program based on a Bernstein bears trouble with money book about the spend, save and, and give, uh, because surprise or well, and earn that, those, the things that you can do with money that, uh, that, that, that one story, um, kids can connect with. So that's, I totally, uh, can understand where, where you're coming from on that. When, when you talk about, uh, parenting, uh, what what's, uh, maybe if we can and talk about some specific steps that a, that a parent of a five year old, um, uh, that has never talked to their kids about money before, what are some of the hardest things that they're gonna have that they should be, um, they might have to do when they're gonna talk to their kids about money,
Speaker 1 00:22:17 Helping their kids understand the correlation between working and earning money, and the fact that the money isn't magically and that they can only earn, earn a certain amount of money. There's not like, oh, this week I get paid $10 to do this tour, but next week I'm gonna get paid $40 to do this tour. Um, understanding the consistency of income, because yes, when you're an adult, you can do things like earn or own your own business and have better income and little bit more variable income, but starting out by teaching your kids, that there's a reliable income that they can budget will help them feel stable and secure in their confidence with money. You don't wanna stress your kids out about money, stress by giving them inconsistent, payday. Cause your kid's gonna be stressed. They're gonna be like, I have to save everything because I'm not gonna make any, or I need to spend everyth because it's gonna be gone anyway.
Speaker 3 00:23:11 Mm-hmm <affirmative> that, that idea of, uh, the, the deferred deferred gratification. Yes. Critical. What, what are you, what about parents who fear or worry about, well, I don't want to share information about my own job. My kids are gonna start asking questions about my own debt, our own debt. Um, how, what, what can you, what can you tell those, uh, parents who are in that position,
Speaker 1 00:23:40 Your children will not judge you. You're worried about your kids being involved in grownup business. But our job as parents is to turn them into grownups. So they're going to have to be involved in grownup business and teaching your kids now like mommy and daddy are paying off our debts because we want to be able to have a better future. Isn't going to scare them. It's going to give them motivation. Mm-hmm <affirmative> my daughter colored in our debt coloring charts. Every time we paid off the debt, she came and colored in the chart. Mm-hmm <affirmative>. And if we didn't color as many boxes as she thought we should be coloring, she would question us <laugh> um, your kids can be your hugest motivator. They can also be involved in part of the process. And it will make them really proud because my daughter talks about when she gets to do her debt free screen, when we pay off our house, because she knows that's something that she's motivated to do.
Speaker 3 00:24:33 That's
Speaker 1 00:24:34 Involving your children at a child appropriate level. Yeah. You don't have to tell your kids, we're paying off a hundred thousand dollars in debt. All you have to say is we don't wanna pay for this car payment anymore. So we're gonna pay the, all the money to the bank. Um, and the other thing is in my budgeting class, I teach kids about like, even for five year olds, I explain to them loans in a really simple, like, what if you borrow money from sister and then you do chores and you have to pay your sister instead of you getting mm-hmm. <affirmative> like, that is the process of taking out a car loan. You borrow money, you go to work and you pay the bank instead of yourself.
Speaker 3 00:25:10 Yeah.
Speaker 1 00:25:11 But identifying it in a more close to their heart way makes it where their kids are like, oh, I don't wanna do that. And then they're less likely to want to do it when they're all grown up.
Speaker 3 00:25:22 Right. I think a lot, a lot of parents would also worry about stressing their children out. If they share, uh, mommy or mommy and daddy have all this debt. And we're, you know, you don't have to share that, that you're worried about the home or the car. No, but just your, your purpose. It sounds like what you're saying is your goal.
Speaker 1 00:25:43 Exactly. Share, share this mission are the vision with your kids because the kids just wanna be involved in the family. And I think a lot of times, as adults and parents, we get so consumed with how to shield our children, how to protect our children, how to give them these road, rose colored glasses that they can keep on forever, but that's not going to be what their, their life is when they grow up. Mm-hmm <affirmative>. And so it's important for us to say, like, we have a mission, we have a goal because otherwise our kids are going to become dejected when they're adults and they don't reach their goals easily, they don't put out any effort. Mm-hmm <affirmative>, um, I even make my six fill out a planner. Um, her and I both do our planner together every Sunday. What are our goals for this week? And she has her goals and I have my goals and we talk about what we're doing and why we're doing it.
Speaker 3 00:26:39 Great idea. Do you have, uh, Leah, do you have one piece of practical advice you would share whether, uh, for an adult or for a, a parent, uh, on that, uh, that if you could share one thing, what would you have them be doing?
Speaker 1 00:26:57 My mission is to slay money dragons, the easiest waylay dragons to stop letting. So my one piece of practical advice is to actually sit down and do a budget it's overwhelming and frustrating, but you'll gain so much clarity when it's done, um, that you will really appreciate that. You've done that for yourself. And it'll give you the first step in knowing what needs to happen in order to reach your goals.
Speaker 3 00:27:23 Yeah. You don't know who your adversary is or what your adversary is. You're not gonna, uh, come out, come out successful on the other end. That's good, good advice. Uh, Leah work and our, our listeners find you online. If they wanna reach out to you or look into some of your other, uh, what you, what you offer.
Speaker 1 00:27:40 It's really easy to find me on Facebook because it's just facebook.com/endeavor financial coaching. Um, I'm too stuck in my ways to go get on TikTok. So Facebook is the easiest place to find me. And then the other place is really easy to learn about all the programs we offer, because we have, um, small business stuff, kids stuff, grown up stuff. I'm working with the nonprofit, right. To see all of the things we do. It's just endeavor financial coaching.com.
Speaker 3 00:28:08 Okay. I'll make sure that those make it onto the show notes. So, uh, if you, uh, for our listeners, make sure you, you take a look, uh, or down below and on our, on our, our site. Leah Ellis. Thank you so much for your time today and for sharing your story and for sharing, uh, some, some ideas and tips with our listeners.
Speaker 1 00:28:27 Thanks for having me.
Speaker 3 00:28:29 You bet for our listeners, please do check out our podcast
[email protected] slash podcast. Also please ex uh, do subscribe. It'll help us grow our visibility so others can find our, these podcasts more easily. And until next time, please stay money fit and stay well.
