Yohance: Rebecca, I'm just going to ask the question because I deal with it all the time. How much is enough?

Rebecca: You know, it's such a good question. And it has so many layers to it. Right?

Yohance: So many layers. Like, how much is enough as a business owner? For the size of my business.

Rebecca: Yeah.

Yohance: Or, you know, for employees, how much?

Rebecca: What's the meaningful life? Because enough. Right. Generally, it means you have a fulfilled life in that sense.

Yohance: But how does one actually tap in to get in touch with what that enough is? I mean, it's. It's a hard. Yeah, it's a tough concept. And this isn't my first time exploring the conversation. I actually started to take on that question probably about two or three years ago. And it was one of those things where I. I had. Did some business consulting, hired a coach and went through that, and things improved and things were going more in the direction I wanted to go. But then I got introduced to another business coach, and I was like, oh, well, you know, if you could make a million, you could make two. I was like, yeah, I'm sure I could, but do I want to make two? Like, I mean, it sounds like when I say it, it sounds silly to say that. Oh, do you want it? So, like, do you want to automatically win the lottery? Sure, I do.

Rebecca: But at what cost? Yeah, well, there's the hamster wheel. And that's what I see a lot is the first thing of being cognizant of, like, oh, wait, I don't have to go for 2 million. Right. Like, you've already reached that level where it's like you're able to separate yourself from what you see others doing from what the usual track is for someone in your lifestyle, at your pace and your city. Like, there's kind of these. All of these unspoken rules, right. In society sometimes that we feel like we have to do a certain thing, but being able to recognize that in and of itself, it's like, okay, first step.

Yohance: Great. Hold on. You broke up?

Rebecca: I broke up. No.

Yohance: Okay, you're back.

Rebecca: Okay,

Yohance: there we go. Okay. So where you froze was. You said you. You kind of got the. The first part of it, being able to recognize, do I need to go to 2? And then you got choppy and broke up.

Rebecca: Even if I can remember. But usually it's like, right. Like there's the rat race of I'm in a certain community. Like, we do certain things. Like, people in my stature of my place, we have a closet of Neiman Marcus. We go on holiday in Europe over summer. Right. Like It's. It's whatever, but it's these implicit.

Yohance: Wait, what do we have at Neiman Marcus? Hold on, because I'm not there yet. What do we have at Neiman Marcus?

Rebecca: To me, it's like a clothing, like, you know what I mean? Like, it's like these implicit things that society or the bubble you're in tells you, like, oh, this is how you should live. So I'm just naming things I've heard before in the past where it's like,

Yohance: oh, okay, got it, got it, got it.

Rebecca: I wanted to make sure I wasn't missing something personally. No, me either. Don't need that. But it's like, you've got to kind of decipher, like, well, what is important to me versus, like, what do I think is supposed to be or ought to be or should be, right? And it sounds like you've already hit that first level. Right? And then it's like from there, it's like, well, what really fulfills my life and what makes it meaningful? Like, is it all about money? Is it like, money allows me to have more time to do the things that are more meaningful in my life? Like, where. Where does that start to come in? And what do I value in my spending? That's how we start to get to, like, what is truly enough for you then to help you live these values, to help you have this meaningful life that's going to, like, set you up for success, but not keep you on the rat race of just more.

Yohance: So the. The story that you shared in Even More Than Money was about a client that struggled with understanding or having. The way I read it, the gap between fear and greed was just too broad. So the number never got small enough. Or, excuse me, almost. Yeah, it never got. It never got small enough for fear to take over and say, okay, I gotta do something. But it also never was never getting big enough. I got it backwards. For greed to take over. It never got small enough for greed to take over. Say, I gotta protect what I have. And it never got big enough for fear to take over. To say, I don't need to be greedy anymore.

Rebecca: I would say your first time was right. Right. So when I think about, like, the cycle, it's like fear when it's the lowest because you're like, oh, God, oh, God, oh, God. Like, and it's never going to go back up. And then once you get higher, you're like, the company's on an amazing trajectory. Everybody says it's going to make even more money. Like some AI, right? Now, right. You could kind of say, like, there's a lot of people saying, like, we got a hold, we got a hold because of greed from that stance. And that's the message that I was trying to get across in that story was really the fact that it's like, I work with a lot of tech professionals and I see it a lot where they're like, well, I have insider information, like we're going to launch this product and stock is going to go really well. Like, there's a little bit of that bias of like I know more than the average bear and like, I'm probably right. And so, yeah, we should be holding on and sometimes we just don't know everything. And that's the hard part.

Yohance: You know, to those individuals that are in the tech field, or any field for that matter, if you're having those thoughts right now as you pull up your RSU statement, your ISO statement or whatever other statement you have that has your company stock, even if it's in your 401k, just remember that no matter how much insider information you may have about the products or customers or what have you, remember that your CEO could still be on the Jumbotron at a Coldplay concert hugging up on someone he's not supposed to hug up on. Okay? They are so lucky they weren't public. So, oh, we, oh, the market would have had a field day with them. And not only that, the, there would have been a, A, a there would, it would have been innocent bystanders because depending on how large the company. Company is, it could cause an entire sector to start to deteriorate all because of, I know, four minutes of indiscretion in the public view on the Jumbotron. So that, that's what, that's. Whenever someone comes, oh, well, you know, we just gotta hold. I can't tell you why. I just gotta hold on for one more quarter. I'm like, well, make sure your CEOs don't go to any concerts. What do you mean? I'm like, oh, you, you don't remember? Okay, but that's, that's the funny thing about it. And it just goes to the whole, the behavioral biases that exist there with anchoring to a certain price or, or just believing that you have the ability to tell the future and doing some mental accounting of how you think the stock price removed based on what you think is going to happen. I mean, because we live in a volatile information society where something else can be said on a random day and just cause everything to go left well,

Rebecca: it's also just interpretation, right? Like day to day, there's a lot of short term speculation. Like the SpaceX IPO is a great one where it's like people can be really bullish. They can also be really like, oh, but AI, it's so, it's so expensive. Are we really, like looking at these cash flows and like what the company is actually going to do? And like, it just kind of keeps moving back and forth and you don't really know where it's going to end up. I remember a NASDAQ study that they did. I think it was around like 2021, 2022, during the last big IPO craze. And they found that like 70% of stocks after IPO within a year were back below their IPO price and never recovered from it. And then of the 30%. Yeah, and then of the 30% of winners, they looked at the winners and the majority of winners. It was like maybe they kind of grew a little bit and it was only the top of the top that really had that like skyrocket, like Amazon did at first, like some companies have had. And so it's like you're taking a lot more risks than I think you realize, trying to decipher how the market feels, what's important, where the company's going, and just like how things change really fast from a direct directional standpoint.

Yohance: So, so what do we do as, as humans, crazy humans with our lives and everything that's going on and all the distractions and, and kids and pets and all the things, how do we have these more rational conversations with ourselves about enough, like, where do we begin?

Rebecca: Yeah, so I got my registered life planner certificate and I tend to take my clients through that framework where it's like, all right, let's just talk about today. If you could wave your magic wand and you could have what you need and what would help you feel content and fulfilled, what would that be? So just starting to outline the things that get you excited, the things that you think about from that perspective. And then the next question tends to go, let's say your doctor says you only have five years left to live. What's truly important now? What do you want to make sure happens in that five years? And then the final question is paraphrasing, let's say you pass away tomorrow. Like, what. What would you have regretted? What would you have missed? What would you have wished you'd been able to do? And so you're really, it's really about distilling down, like, what do you really care about what matters and how does that feel to you? And then being able to parse out, like, what are the shoulds, the ought to's, the things I've been told I'm supposed to do, or the things that, like, help me feel a certain way in front of others and being able to get down to, like, really what is the root of, root of life for you? And it can be a complex process. Like, I've seen it kind of an onion. Like, you do it once you kind of get a feel for it, you start to make some changes in your life. And then you realize, like, oh, well, maybe that is how I felt, maybe that's not how I felt. Like, I think other things are more important. Like you said with kids, right? It changes. Parents start to get older, it changes. You might want more time to be able to spend with them or be able to support them. Like, it's just. It's a hard thing to come to. What comes to your mind? When I asked the first question, any big stuff that you're not currently doing?

Yohance: Oh, well, the first thing that came to mind is that I don't think on that list a stock price is going to show up.

Rebecca: Correct.

Yohance: That was the first thing I was like. Well, I mean, when you say it that way, I'm not going to say, oh, I need my ABC stock to be at least 150 a share. So that's. That won't even be on the list. I mean, actually, most of the things that came across my mind. It wasn't until you got to the, what if something happened tomorrow or even five years that I started to think about financial stuff. And then I was thinking about, okay, well, life insurance check, disability insurance check, estate planning's done. I know the beneficiaries are in alignment, that sort of thing. So I know those things are set. But then I'm starting to think about, well, they're going to get the life insurance. How do I have as much fun as possible for the next five years? Where do I want to go? What do I want to see? Who do I want to, you know, do things with? What are those things on the bucket list that I want to be able to. To check off and, you know, and then as far as the tomorrow's concerned, I mean, it's making me want to think about my dinner choices for tonight.

Rebecca: Your last meal.

Yohance: Yeah, There is a. There is a song from back in the probably early 2000s, and it's called 24 Hours to Live. I'm trying to Remember, I think it was, I can't remember which, which hip hop artist. I think Jadakiss and, well, Sean Diddy Combs, Puff Daddy, I think that was one songs that he produced. Sometimes we have to separate the music from the man. So yeah, in, in it, they all were rapping about with 24 hours to live, you know, what would you do? And here are the things I believe somebody else went back and copied it later. But, but those are things I started to think about. Like, there's always. It's more about the things that I would want to do and who I'd want to be able to do them with.

Rebecca: Yeah.

Yohance: Than it is a stock price or a fancy car or, you know, a bigger house. You know, I, if anything I'm saying like these. Do you really want this house? Good, let's sell it today. So today, go get what you really want and you know, let's spend the money on something else. Let's take a trip around the world, that sort of thing.

Rebecca: Yeah. Spend it with the ones you love. Impart on them the things you hope for them. Yeah, yeah.

Yohance: So. So even in going through this process, let's say you go through this process with the client, you've identified these things, but they still have this cognitive dissonance with their stock portfolio. And they have more than the recommended 10%, no more than 10% of their total investable assets in one company name. How do you then start to talk that person off the ledge and pretend that person is listening right now? Because they probably are. What are some of the exercises or some of the themes that this person needs to be able to think through so that they can release the greed for that next number.

Rebecca: Yeah, unfortunately. What's the old saying? Sometimes you just have to have enough fear to actually do something. And so it's like partially being able to put it in terms of like, well, this is the trade off you're making. Like, by continuing to go down this path, like, you're getting further away from the things that you said you wanted. There's also the old, like, okay, well if you had X dollars of stock in cash, would you buy all of that stock with that cash? Like, are you willing to say, you know, the value of the stock in cash, you'd go ahead and do it? I've only had one person say yes, and they have a very, very high risk tolerance. But that's been a very interesting conversation too.

Yohance: Oh, so you say. Oh, actually I think I've used that concept before. I've used that on the When a client gets new RSU units that

Rebecca: and

Yohance: like, hey, I just got 30,000 of Google, Amazon, whatever it is today. What should I do with it? It's like, well, if you woke up this morning, it was 30,000 in cash. Would you turn around and buy the stocks? It's like, no. I was like, well, there's our answer.

Rebecca: Yeah. And it usually takes them a minute. It does.

Yohance: Yeah. I haven't tried using that for a bigger position to say, okay, if this were. If you woke up this morning and it was, oops, we made a mistake, it's all cash, would you go back and buy all the stock back? And yet you're right, most people are not going to say yes to that because they're only saying yes because it's a status quo. It's like, it's what they already know. And again, behavioral bias. You'd rather stay with the status. Status quo because of the fear of doing something different.

Rebecca: Yeah. Or the fear of missing out. Right. There's a lot of that.

Yohance: Yeah. I share with clients a lot. And I've probably shared on this podcast before that I. I wouldn't be sitting here right now if I still held my Netflix. Netflix stock from 10 years ago. I mean, I might be sitting, but no, I should probably be sitting in a nicer studio because I would say I got the money to do it, but I sold it.

Rebecca: Why?

Yohance: Because I'd already made money. I was like, oh, I've made a thousand percent.

Rebecca: Woo.

Yohance: Okay.

Rebecca: Yeah. And I mean, even look at Amazon, right? Like, it was a really good idea. If we look hindsight 20 20, it was really good to keep it for a really long time. But then the market started to outperform and it was like, why? Why are we continuing to keep it? Like, every company is going to have some period of growth. But that's the cool thing about holding ETFs is like, you get that chance across many, many companies to have that cool growth factor. And a lot of the ETFs for S&P 500 is still going to have a lot of Apple or Microsoft or these other big names in it. And so that kind of adds to. Well, if you're telling me you don't want to sell it because you still want to hold some, like, you're still going to have some in this as well.

Yohance: But. But, Rebecca, my chip stock has got me a 2500% return over the last 10 years. Is. Yes. Can the S P get me a 2500 return over the next 10 years?

Rebecca: No. But can this stock get you another 2500% return over the next?

Yohance: But it has. I mean, one would think, look at all the things that are going in, AI, and look at all the money's being spent. Fill in excuse, fill in excuse, fill an excuse. But these are the conversations, Rebecca, that the clients are having when they're not with us.

Rebecca: Yeah. I feel like most of the times when I talk to my clients because I'm a cpa, it's like, I know I need to get out of it. I don't like the tax issue, so that's probably another one I hear a lot. It's like I'm going to have to pay so much in taxes just to get out of the position. And they start to use that as the reason why they don't want to go forward with it. And they're like, what's the most tax efficient way and how can I get out over time? And all of this stuff? But it's like it goes back to like, should the tax tail wag the dog? And like, what, what is the potential? You know, if we sold this and put it in a long term portfolio today and we know that you have enough and you're going to be okay for the rest of your life, why do we want to take additional risk with just not having to pay all those taxes right at once? Like, that can also be another factor. I see. Do you happen to see that too?

Yohance: Oh, absolutely. And I say the same thing. Don't let the tax tail wag the dog. And do you have gains? Yay. Usually when that comes up, I have a recent relevant story that I'm able to share with clients because I worked with a sizable group of clients that all worked at Snapchat.

Rebecca: Oh.

Yohance: And they are all collectively, from all of them, at one point, we had close to $5 million of losses that are being carried forward. 5 million. There's one client right now that's still caring for probably 600,000 worth of losses.

Rebecca: Yeah. That goes back to that whole mismatch of like, you think, you know, the company's going one direction, but like, you don't know what the investors think.

Yohance: There was a part of me, I was like, man, I'm glad we, when you met me, we sold what we did. And the thing about Snapchat is it happened fast, similar to the story you were telling. Actually, when I was reading, I was like, huh, did they work at Snapchat? But it happened, the drop was fast. And then there was most of them all eventually got laid off. Or went somewhere else and you know, and then we were left with this two or three dollar stock that used to be, I don't know, 80 or something. Some outrageous number. Yeah, I may have that number wrong. Don't, don't, don't take that one to, to Yahoo. Finance to find out. But you go, actually, no, go to Yahoo. Finance Finance and look at how fast it dropped. Look and see what happened there. And imagine if you were the person and you're having the conversation, financial advisor and he's saying we should really diversify. And you're like, no, it's going to the moon. I mean the same conversations with, with all the crypto bros out there and sisses.

Rebecca: But AI is now kind of taking over a lot of that speculation. So I've seen that market starting to change.

Yohance: I am. And you know, you know, Rebecca, it's one of those things where I hate to be right sometimes. So I read a very interesting book called the the Ascent of Money. Ascent, like a S C E N T. It's by Neil Ferguson. He is a historian, writer. He's British. So very fun to listen to on audible because he has that, that British voice. I know my accent was horrible, but you know what I mean.

Rebecca: Yep, but.

Yohance: And I also feel like that when the, the, the British are talking about the United States, there's just a little bit more disdain in their tone when they speak of us. So that, that's fun when he's telling the stories of the financial markets in the US but one of the stories or a part, something that's kind of woven into the entire book. And it's a, it's a long one, it's a heavy one, it's a lot. But it's how we as humans keep reinventing money and investment strategies over and over again. There's always a new, shinier object.

Rebecca: Exchange funds.

Yohance: Exchange funds. Credit default swaps.

Rebecca: Oh yeah.

Yohance: I mean the list of the margin. I mean the list goes on. And we're constantly just trying to, to make money, do money things in a more moneyful way. I think I'm saying that. Right. I don't know. But, but we're always. So there's always going to be something else that's going to take over and be the object of our affection.

Rebecca: Yeah.

Yohance: Even going back to the tulips.

Rebecca: I was about to bring that up. It's interesting. Right? Like what happened in our biology that created that. And it's partially like the scarcity of like, where am I going to get my next meal? Right. And Then it's like, okay, well, how can I play the game so that I never have to worry about where my next meal is? And, like, it just kind of like, the mindset still continues with us. I was reading some really cool, just like, behavioral consumerism studies where they've done MRIs of the brain and how, like, certain things light up the brain and it creates, like, loss aversion and such like that. So it's like, it's really like, okay, this is like, hardwired into us at such a basic level, but then the stories we tell ourselves is what brings it to light and makes that more important to us. So the story of the day, the last, I don't know, five years ago during COVID there was a lot of like, well, everything's going to be online, right? I don't know if that's when Snapchat was going up, but that's when it went crazy.

Yohance: Yep.

Rebecca: Zoom, Snapchat, Twilio. There's a few I can think of that it was like, oh, this is the future, right? But then we got to be able to be out in the world again and be with each other. And then suddenly there was a huge drop for a few of these big guys, and it's just going to happen again and again in different industries.

Yohance: What was that other. There was another video conferencing. I can't even remember the name now. That's how sad it is. Skype. What happened to Skype? Yeah, like, Skype was here first. How did Skype. How did you fumble the bag on that? You were here first. No one Skypes. People. People started zooming. They're zooming. They're Microsoft teaming, Google, chatting. Nobody's Skyping.

Rebecca: Yeah, well, now we can do all these cool things in our zooms and in our Google Meets. Like, we can, like, draw and change our backgrounds. Like, Game changer.

Yohance: Game changer. Game changer. So let's. Let's talk about even more than money a little bit. So was. Is this your first book that you.

Rebecca: This is my first foray. Yeah.

Yohance: Okay. Okay, me too.

Rebecca: Oh, very cool.

Yohance: Yeah.

Rebecca: Did it make you want to write more?

Yohance: I. I am writing more.

Rebecca: Me too.

Yohance: I am. I am actually today. I. Or last night should be. Last night, I actually built a writing coach inside of my Claude.

Rebecca: Oh, I love it.

Yohance: Gave it the explicit instruction, do not write for me, only give me feedback. Here's the writing style I'm looking for. Here's my favorite writers. Here's the point. I was like, now ask me 20 more questions. That you want to know, to build out this agent, if you will. And it asked me all the questions. So I spent all the time doing that last night. And then once I was happy with what I had built as a writing coach, I dropped my first chapter in there. And, boy, I'm a horrible writer. Like, I suck. But I told it. I told it to be really brutal. I told it be really brutal. Let me know when I'm boring you, when I'm not closing my loops and all the other good stuff. And it. I went back and read, I was like, damn, it's right. That was. I was bad. And so then I was. Then I felt bad. I was like, wait, am I that bad? And then I plugged in the story from Even More Than Money, however, that I had sent to an editor, as we were encouraged to do. Yeah. And I got some of that feedback from the editor and cleaned it up. When I put it in, they were like, this is perfect. I'm like, of course it is. Like, but how did you know that I was so bad before the assistant? So. So, yes, I'm officially. I'm working. I. I don't have a title. I have an outline. I've got about. About 14 chapters that I kind of excellent. That I think I want. Because Claude was challenging me on that as well. What I haven't figured out is how to get into the right cadence of writing, because I don't have a real deadline. It's only a deadline to give myself, which means I can move it, but I don't have a publisher or, you know, I don't have any of those things yet.

Rebecca: Same.

Yohance: So. So yeah. What about you? Tell. Tell me about your writing or where. Where are you going next with writing?

Rebecca: Yeah. I'm a huge fan of Ryan Holiday and his. He writes on planes for one of his books. And I started writing on a plane. And I found each plane I took. I had four trips in one month. I was writing 20 pages per flight.

Yohance: What?

Rebecca: And. And it was like, this is amazing. But I get back, and now I've been here for like a month. I've written nothing. So I was like, am I gonna have to just book a bunch of flights and, like, hash it out?

Yohance: I have. I have at least. I have at least six flights between now.

Rebecca: And Think about it. Think about it. Because it was life changing.

Yohance: Long.

Rebecca: Yeah. If you don't let yourself connect to Wi Fi. If you don't let yourself, like, you know, you just got you in the screen and you can.

Yohance: Yeah, but I'm No, I'm so. There was a time in my life where I could not stay awake on Airplane.

Rebecca: Lucky. Yeah.

Yohance: I would get on the airplane and I had lights out. But as my body has gotten a little bit older, sleeping in uncomfortable situations is just not fun anymore.

Rebecca: Agreed.

Yohance: So now I'm typically trying to download as much of a show that I can watch to take up the time when I get on the plane. And. And that's what I'm doing. And I've tried reading, but I don't know, it just. Just wasn't working for me. I don't know what it was about it, but I. I could put. I think I could write.

Rebecca: Yeah, because you're out there in the clouds. Like, there's no normal neural pathway for this. Right. So it's like you're kind of open yourself up to something different. You're not sitting at your desk where you usually do different work. You're not, you know, trying to do it somewhere in your house where you do other things.

Yohance: Like, I'm not going to get interrupted by a text message, a phone call. There's no interruptions. My food and drinks are brought to and they're delivered straight to me.

Rebecca: Yep.

Yohance: Wow. I only have to get up for the bathroom, and that's rare. I usually go before I get on the plane. I like that strategy. I like it. So what's your new book? Is it also in the lane of finance and helping people make better decisions, or are you going to fiction?

Rebecca: No, no. Although that could be fun. I mean, the accountant was pretty cool when Ben Affleck did it, so. Hey.

Yohance: But yeah, actually, Rebecca, let me apologize for a second. We'll come back to that question. Where's the good financial advisor movie, huh? Where is it?

Rebecca: Why can't we be badasses like that? I don't know.

Yohance: No, we have to be wolves of Wall Street. We have to be boiler rooms. We have to be. Yeah, whatever. Some of those other Glenn Glare, Glenn Gary, Glenn Ross. Can we get honest? Don't you want to be a financial advisor? Come on, Matt Damon, do it. We'll let Matt Damon do it. I mean, we almost got something with. With Ozark.

Rebecca: Oh, yeah, yeah.

Yohance: But, but, but again, he was breaking the law. Can we get an honest. Well, not that the accountant wasn't breaking. Well, he didn't break the law as accountant. He broke the law as just other laws. So, Matt Damon, we are challenging you.

Rebecca: Yep.

Yohance: Final script or talk to Rebecca and I will write it. We'll come up with something for you.

Rebecca: Hollywood's been trying to bring him home for a long time. Maybe this needs to be a financial planner that goes out on the road, and he's got to help X number of people before he's allowed to go home.

Yohance: There we go. There we go. I think we might have something there. So. Okay. Anyways, well, back to what you're actually writing. You said it is in finance.

Rebecca: It is, yeah. Yeah. The last few years, I went through a very difficult divorce. And before that, I had gone through a lot of therapy, and I started to realize a lot of the couples therapy methods that they use and, like, the different ways they help you kind of unravel your repeating relationship patterns, et cetera, those could all apply to money, but we never talk about that. So I don't know if you've heard of the Gottman method, but it's like. It's a way of looking at relationships where it's like the four horsemen. And if you show the four horsemen in any relationship, like, the chances of divorce are much higher. And so it's like trying to learn how to remove those kinds of things from your relationship. And I just started thinking about it, and I was like, man, what if I started having more conversations with clients that kind of brought in a few of those tools? And that went really well. And then I was like, what if I wrote a book about kind of what you see in this world and how it applies to money? Because a lot of people kind of forget that, yes, money is a tool, but you also have a relationship with money, and you have history with money. You have stories there. You have ways your family used it, and being able. Able to be more cognizant of that relationship might help you get unstuck and do things in a very different way than you thought you could before. So a little less of the technical side that I've done my whole life and more of, like, how do we bridge the gap of bringing the emotional and the logical together into one solution?

Yohance: I love it. I love it. Well, I'm excited to see that one as I'm taking a flight in the

Rebecca: book stand well, and I look forward to pinging you and holding each other accountable, to getting these done.

Yohance: It's going to be great indeed. Let's do it. Let's do it. All right, so before we wrap, I wanted to give you an opportunity to share some of your financial relationship that you have with our audience. And so there is a question we like to ask all everyone that comes onto the Money Script podcast. And you may not have been prompted for this yet or prepped for it yet, which makes it that much more authentic. So the question is, what is your first memory of money?

Rebecca: I ask all my prospective clients this question.

Yohance: Oh, well, then, now we're asking you.

Rebecca: No one has asked me it back. My earliest money memory is helping my mom balance a checkbook, AKA Quicken on the computer.

Yohance: Quicken on the computer.

Rebecca: Oh, yeah.

Yohance: Oh, yeah. Okay. Wow. That was before QBO for you people out there with QuickBooks Online.

Rebecca: And I remember typing in numbers, and I remember, like, just kind of, like, doing the thing. And then at the end, I was like, mom, why is there a big red negative number? And that was the first time that I realized that it's like, oh, just because you spend money doesn't mean you have the money. And that really started me on an interesting journey for the rest of my life.

Yohance: Yeah, I remember that red number at the bottom. Yeah, that was. Okay. Wow. Quicken, the desktop, probably. What did you have? A compact computer?

Rebecca: I don't remember which version, but it's gotta be similar.

Yohance: Yeah, something like that. Oh, man. Oh, man. So, again. All right, well, Rebecca, thank you so much for joining us on the Money Script podcast. If anyone wants to learn more about you, learn. Learn more about your form, your. One more time. It's Friday. Rebecca, thank you so much for joining us on the Money Script podcast. If anyone wants to learn more about you, more about your firm, how can they find you?

Rebecca: They can find me on my website@seedsafe financial.com. they can find me on Instagram at Seed Safer. They can find me wherever their heart can take them. Because thankfully, chat or chat GPT is pretty good at connecting us.

Yohance: Congratulations. I figured that out, too. I got. I figured out the Chat GPT thing where people can find me. Like, what. What? You found me on Chat GPT?

Rebecca: It's great because then you can ask it questions. I've actually seen that where it's like, okay, give me the top five reasons that I should be looking at this firm knowing these things about me. Right? So it's how. What a better way to go. We can all find the right person for us. Let's do it.

Yohance: Let's do it. Let's do it. Rebecca, thanks again, and we will see you again soon on the Money Script podcast.

Rebecca: Everybody.

Yohance: Take care.

Rebecca: Sounds good. Have a good one.

Yohance: All right. Great job. That was awesome.

Rebecca: You are amazing. You have such a skill.

Yohance: Oh, thank you. I just. I'm just nosy. I'm just nosy, that's all. Since COVID So a friend of mine called me, good friend of mine, mentor who is now on cnbc. He's made his way there. So he. He called me up and said, stop putting it off. You're not going outside for a while. Start the podcast. I was like, okay.