WITH VANESSA BOWEN
“Because, you know, we talk a lot about our financial identity. And we know you can shift that identity. Yes, ma’am. Right, you can step into this new person, this new way of being, you can allow the past to be the past and not attach that to your future. Because we think of an energy and mindset perspective, holding that shame is using this low vibration, which is blocking that future abundance, blocking you from attracting that money to pay off the debts to achieve your financial goals. So yeah, just have to let it go. Because it’s blocking that future button. It’s for you.”
About This Episode:
Have you ever felt shame about your finances?
So much so that you don't even know what to do first. You're not alone in feeling that way. It's more important than ever if you want to make a bigger impact than you step out of a financial culture of now to start sourcing from the future.
Today on the podcast I'm chatting with Vanessa Bowen all about what we can do to move from feeling shame about our current financial picture to financial freedom.
Vanessa Bowen is a Chartered Professional Accountant (CPA), Master NLP Practioner, and founder of Mint Worthy Co. Inc. With over a decade of experience in corporate finance and public accounting working for international businesses across North America, Vanessa made the decision to pursue her passion for personal finance. As the proud founder of Mint Worthy, established in 2017, Vanessa provides individuals with financial coaching and the resources needed to blaze a path to lifelong financial freedom. Using a holistic approach, she educates them on the fundamentals of personal money management while empowering them to take control of their finances by improving their relationship with money, creating new mindset shifts, and building intentional habits. Vanessa has been featured as a money expert in several leading media outlets and podcasts.
Connect with Vanessa on IG: @mintworthyco
Connect with Co-operators on IG: @co_operators
Connect with Andrea on IG: @andreacrispcoach @the.couragecast
Connect with Andrea via TEXT: Text the word COURAGE to 647-424-2429 CLICK HERE
To book a FREE 30-minute Strategy Call with Andrea: www.andreacrisp.ca/schedule
Listen Here:
Your mindset is your greatest asset! But it is also what may be holding you back from taking that next step in your life. Are you ready to reframe your mindset so that you can step more confidently into your purpose?
Andrea Crisp 0:00
Do you ever find yourself asking the question? What the heck should I be doing with my finances? Should I be saving? Should I be investing? Should I be getting crypto? Should I? Well, you know, all the shoulds in life. Well today on the podcast, we are going to be talking to money coach Vanessa Bowen, all about how we can shift from a financial culture of now to sourcing from the future.
Kate 0:26
You're listening to The Couragecast a show to equip and empower you to live bravely. Each week, we'll share solo episodes and conversations with amazing people who've been willing to face their fear and pursue their purpose. With a blend of practical and spiritual advice will help you take brave steps in your own life. Now, here's your host, mindset and confidence coach, author, and your secret weapon.
Andrea Crisp 0:52
Hey, friends, welcome to The Couragecast. I am so glad that you have joined me today. My name is Andrea Crisp, I am your host. And I'm also a mindset and confidence coach. And I have loved being on this podcast journey with you if you didn't already know this. Last week, we celebrated our 200th episode. And honestly, like sometimes I look back and I think to myself, like, wow, how the heck did I get here? But here we are. And I am so glad. Like, I was thinking to myself, you know, where do we even go from here. But I think I have another 200, at least in me. So I am excited about our journey and how we're going to continue to grow together and really get the clarity, we need to step into the confidence of who we are and take that massive action and those brave steps of courage to gather. So friend, we are talking about one of my very favorite subjects, money. And I was talking to a good friend of mine not long ago about the culture of now. And in case it's something new to you. I think that often we're living in this now mentality, this place where we feel like, you know, I only understand what's right in front of me, I can only deal with what is happening right now. But if we're going to grow, if we're going to make a bigger impact in the world, and if we are going to share our voice with the world, than we need to be able to understand where we're going and how we're going to get there. And our financial picture is a big part of that. So I've invited my good friend and money coach Vanessa Bowen back onto The Couragecastf to talk to us all about how we can shift from a culture of now to a culture of sourcing from the future. Vanessa, I am so thrilled to have you back on The Couragecast repeat guests, I was thinking, you know, as I just finished our 200th episode, we just aired it. And I was looking back and you were in our first 100. And so I'm so excited to have you back and chat all things money. You know, I love talking about money. I've learned so much about money from you. So welcome to the courage cast.
Vanessa Bowen 3:21
Thank you so much my love for having me back. I am so excited to be here.
Andrea Crisp 3:26
You know, we have been through a lot over the past couple years like you and I've had, you know, private conversations around this. And as a coach myself, you know, I talked to a lot of my clients who are concerned about their financial situation. You know, there, there have been times where I'm really concerned about my financial situation. And we're in a climate right now here in Canada that, you know, is really kind of confusing, to be honest, if I'm really just, you know, sharing how I feel about like where we're at. So I was really excited to have you on today to talk about that. Because I'd love to know what you as a money experts and a money Coach, what you are seeing as the Canadian financial climate right now.
Vanessa Bowen 4:14
Yeah, we're definitely seeing a shift, obviously, with the pandemic and all that our world is going through. And it's a very interesting because there was a recent poll that came out and Angus Reid poll that was sponsored by cooperators. And what they were finding in this poll was that after the uncertainty of the last few years, Canadians are really feeling fatigued, but at the same time, they're seeking these immediate results in these quick wins. And a lot of that is being fueled by this social media pressure. This, you know, fear of missing out but from an investing perspective. And what they found inside the poll was that 85% of financial professionals believe that in today's culture of now, Canadians aren't prioritizing their future planning. They're really just focused on what can I do today? How can I make a quick But today, but not thinking about retirement not thinking about their future when it comes to their financial lives, their goals, or any of that,
Andrea Crisp 5:08
you know, I know with having had conversations with you like that is, you know, really where I have, you know, started to understand how important it is for me to be planning for my future. I know my parents, oftentimes, they're, they're a little concerned about my financial future. And I'm probably like, you know, many Canadians were, you know, I'm like, I'm trying to survive. I'm building a business I'm, you know, worried about now, I'm worried about what happens now. Like, so sometimes for me, when I'm thinking about it, I'm like, you know, I'm not concerned about like, can I buy a house even though like, oh, my gosh, like, real estate is crazy right now. But I'm worried about like, you know, am I paying the bills? Can I do what I need to do? Can I decrease my debt? Can I do you know, and so Future Planning has been a bit on the backburner. Although, I'm at a point, you know, I've had these conversations, where I want to be future focused. And but I fall into that category of, you know, the culture of now. So let's, let's, I want to ask you, what, what avenues are young people seeking answers, because I know I come to you, but what avenues are they actually looking for right now?
Vanessa Bowen 6:29
Yeah. And it's, it's funny, because with a lot of like young, young people, young investors, a lot of where they're focusing on is social media, for their friends, and getting those answers from there. And, you know, all of us are making or trying to make these buying decisions during these increasingly turbulent times. But the reality is that we're all inexperienced in some aspect of financial planning. Like we all don't know something about financial planning. And so we're living in this culture where we're also finding people are kind of afraid to show that and showcase that. And actually, inside the poll, and inside the Angus Reid poll sponsored by cooperators, what they found was that no, there's this social pressure among Canadians. 65% of the advisors said that there's this social pressure among Canadians, for Canadians to feel or appear as if they're financially savvy. So all of that is causing us right to like, you know, shoot, show up on social media. Follow, people pretend like we know, you know what that's doing, though, it's hindering people from asking the right questions and seeking the right advice. And this is why, you know, more now than ever, people need to be sitting across from the right people, like a financial professional, like a financial adviser, asking them the questions not turning to social media, or Google or your neighbor next door, but sitting across from someone who is knowledgeable. And that's why no cooperators with the season that they're we're in right now. They're really focused on sitting down with people and meeting people where they're at. And they have this real people first approach to their financial planning to their financial advice and this holistic approach, because that's what we need right now. Like you just talked about it, you know, we're so focused on pay my bills right now paying off my debt right now, that's not realistic. That's us focusing on one aspect, and we have to open our eyes to see the full picture of our financial life
Andrea Crisp 8:25
right now. You know, I feel a lot of pressure personally, I'm a single woman, and I've been through multiple careers and in those careers, like, I wasn't super focused on my, you know, my pension or what my parents like they listen to this are going to be freaking out right now. But I mean, I think a lot of you know, Canadians can relate to this, I'm sure that they, everybody has their own financial picture. But for me, I know that I've been in this place where I'm like, Okay, I know, I need to be thinking about the future. But I'm on social media. I'm on Instagram, I'm on Facebook, I'm seeing what people are saying. And then I'm like, I get like this fear of like, oh, my gosh, am I missing out on something? So what? What would you say to you know, somebody like myself, who maybe feels the pressure of social media?
Vanessa Bowen 9:18
Yeah, it's a great question. And I know we've all we all feel it. We've all felt it. And it's tough, right? It's very tough, because we don't want to feel like we're missing out on something that could potentially expand our future or our finances. And I think we have to shift and really just really step out of that, that social pressure. And a lot of it is really causing us to feel a little worn down. Feeling us like causing us to feel these, like emotional, almost like this emotional turbulence inside of our financial lives. And this is why we can't do it alone. Like this is why you have to sit down with someone who is knowledgeable and I know it's scary, and it's not my dad. your dad, your dad might know, you know, your dad might be amazing and, and have the knowledge. But yeah, I always see this right like, if your your stomach's hurting, or if you've got a back pain, you don't go to your mechanic, right, you go to your doctor, so you're trying to create this financial life, we have to reduce the shame, we have to reduce the embarrassment of not knowing of, you know, being kind of, in the dark of what to do. And we have to put our finances first and seek the right advice from the right types of professionals.
Andrea Crisp 10:35
You know, I have been thinking a lot about this, because just over the past few months, you know, even year, and it's funny, because I think to myself, and I'm kind of outing myself with this, honestly. But I think about what legacy I want to leave. And and I and I want to be someone who is capable of amassing wealth in my own life. Yes. And giving generously to female funded entrepreneurs, businesses, helping them to grow and increase. And so for me, I have, you know, like I mentioned, really focused on the now but now I'm like, Okay, I have a reason why I want to call in this wealth, right. And so it's really important for me, to to be in that place, and to really plan for my future to plan for what I'm able to give. So there's a lot of confusion, like, I don't know, obviously, what to do. I don't have an RRSP. So, you know, so let's talk about that. Because I'm like, What the heck is and I hear a lot of things, of course, from the American financial market. Yeah. But there's a lot of confusion about RRSPs. And the different directions we can go with planning, or investing for that matter, like so. Let me just ask you, like, which direction do we go? What are we doing here?
Vanessa Bowen 12:04
Yeah, yeah, it's a great question. And it's funny you asked this because inside of the poll that was sponsored by cooperators. 72% of the Canadian advisors actually said that they feel frustrated, because Canadians is just rushing out to this RRSP deadline and contributing when critical areas of their finances are so unintended. And that's the thing, like we have to understand, like the RRSP is just a piece of your financial life, a very important piece. But this is why we have to have this holistic approach and really look at all of your finances. And even inside of the poll, there was one stat which really showed that, you know, people are feeling RRSPs are an investing tool of the past. Like they're not very attractive, but they have a lot of tax benefits. Like they're one of the only things that we can contribute in and actually receive a tax refund, a potential tax refund, depending on your tax bracket, though, determine how much refund you receive. So it's a very important tool for us to use. I think, just as you were saying, you know, we don't really understand a lot of people don't understand how it works. They don't understand what the benefits are. And so we're hearing all this, it's RRSPs and RSP. Season, that's great, but what the heck is an RRSP? should be the first question.
Andrea Crisp 13:21
Open. I'm just hoping I'm getting money back, you know, like from but yes, I do need to know, that's the thing. Yeah. And it's, go ahead. No, I was gonna say like, I think that's the importance and what I'm realizing more and more is the importance that I sit down with somebody and go, okay, like, this is my financial picture. Yes. And, you know, just getting advice and then hoping for the best and doing it on your own is, you know, is is just really like, you know, trying to hit a bull's eye and really not sure where your aim is you're blindfolded. But I think like what your to your point, you know, of saying, okay, when you are sitting with somebody who is a professional and going okay, you know, can you help me with making sure that you know, I am putting my money in the right places, I'm allowing to grow. So here I need I have a question. What is crypto? What the heck is happening? Who like, is this like an imaginary money? Like what's happening here?
Unknown Speaker 14:18
Well, it's it's not imaginary, okay. We're seeing like celebrities. I was listening to a podcast the other day, I can't remember which one it was now. But like, portion of celebrities are like taking parts of their salary and crypto. So...
Andrea Crisp 14:33
I have heard that I've heard even like my some of my own, like coaches having this
Vanessa Bowen 14:39
Yeah. So it's funny you asked that because inside the Angus Reid poll sponsored by cooperators 52% of Canadian advisors, so that cryptocurrency is the number one question that they are being asked about. And so I do believe it's here to stay and I do believe it has a place in your financial future. Picture. But I think what we're seeing right now is because of going back to FOMO. And going back to these social media pressures, because it's just the buzz, everyone's trying to jump into it. And these are, sometimes people are jumping into it. And they haven't even learned the basics of financial planning, or they don't even have the basics of their finances together. And so you can't just jump into something when you don't even you know, know what you're doing when it comes to the basis of financial planning. So it has a place, but it has a place, depending on where you're at. And I think the other thing I would caution people is that you have to make sure no matter what you are building your financial portfolio, you have to make sure it's diversified. So please don't throw all your eggs in crypto, like make sure maybe it's a portion potentially of your portfolio. But don't go sink your entire funds into cryptocurrency because that is not going to be very wise. But again, this is why if you sit with someone like a professional, they'll be able to help you figure out what's that correct diversification for you, based on your investment profile, based on where you're at in your financial life based on your goals. It's not just, you know, when we're talking about is so much in, in social media and the media. It's not just this, like one size fits all or this quick fix. Yeah, for everyone. And I think that's what people need to realize.
Andrea Crisp 16:23
Okay, that makes a lot of sense. Because like I, I've even heard, you know, the diversification around your income, you know, it's like, you know, many people are now looking to make multiple streams of income, versus like, you know, the old school way of just like one job that has a pension? Because like, do you think pensions are around forever? Or like, what, what's gonna happen with that?
Vanessa Bowen 16:49
Yeah, no, we're seeing definitely some, some companies are like phasing out their pensions, or they're definitely not as robust as they used to be in the past. And we're seeing and we've been seeing it for quite some time that our retirement planning is really now more on us to do back in the day, you could retire from your company and have a sweet pension and be good and not have to worry about anything. But it's totally different today, like we actually have to hold a huge responsibility of saving separately outside of our pension for our own retirement. And this is why you know, leveraging your own personal RRSP, or like you said, other streams of income, or investments are so necessary, you have to have a diversified portfolio. And again, this is where if you sit with someone, like have an advisor who's you know, really positioned to meet you where you're at, and that's why I really like cooperators, because they're doing that they have this people first approach. So they're meeting people right where they at, they realize everyone's story is different. Everyone's financial picture is different. And that's why you need to sit with someone who understands that who can meet you where you're at, and then it helps you to grow to where you want to go.
Andrea Crisp 17:58
Okay, so we got to talk about hot topic here. Yeah. Shame. Girl. Yes. You know, it's tough if you've made some poor financial decisions, or, gosh, like, maybe even not made poor financial decisions. You know, I mean, I'm, I'm a full, I'm an advocate of believing that we, we need to own up to our responsibilities, and we are at cause for where we are, you know, you and I think, agree with that, yes. 100%. And, you know, it even in my own life, and I've been thinking about, you know, I met cause for where I'm at in my own life. And, you know, there's, there's this shame, though, around, you know, not paying attention sooner, or, you know, making some financial mistakes, and then trying to figure out how in the world am I going to recover from these mistakes? Can we talk a little bit about the mindset? You know, if someone's thinking, okay, yeah, like, easy enough. You're saying go seeing a financial advisor, but like, the thought of even talking about my finances? You know, we even hear people who aren't even looking at their finances. Yes. Like, they're like, I haven't looked at a bank statement in forever. Like, I've heard someone say that recently. And I'm like, Oh, my gosh, I know that feeling. Because I have been there. I remember, like going, I just hope that there's money there. You know, like, yeah, absolutely. So, so we're talking about, you know, like, what does it look like? There's lots of people who are like, Yeah, of course, I know, my full financial picture. There's a lot of entrepreneurs who are like, I don't, yeah, what do we do to address the shame?
Vanessa Bowen 19:45
Yeah, it's such a great question. I'm glad you raised this, because I think that is honestly that is step one. Like without us actually addressing that we'll never be able to move forward and in the cooperators pool, what they actually found was 80% of advisors said that when people are experiencing these financial losses, or these financial mishaps or mistakes, it's really causing them to be overwhelmed with doubts is leading them to indecision and inaction. And so you have to realize that whatever happened in the past, whatever mistake, it is not a reflection of you, it is not your identity that you now have to carry into the future, you made the best choice, you could at that time, with what you knew, and with the information you had, it may not have had led to the best outcome, but you did your best. And I think it's us really having this grace on ourselves, and really releasing the shame, and not attaching that to our current identity. Because, you know, we talk a lot about our financial identity. And we know you can shift that identity. Yes, ma'am. Right, you can step into this new person, this new way of being, you can allow the past to be the past and not attach that to your future. Because we think of an energy and mindset perspective, holding that shame is using this low vibration, which is blocking that future abundance, blocking you from attracting that money to pay off the debts to achieve your financial goals. So yeah, just have to let it go. Because it's blocking that future button. It's for you.
Andrea Crisp 21:22
Yeah, and I've been thinking a lot about that, because I know that there's like, part, you know, like, we're both into the spirituality aspect of this. And so it's kind of like, you know, there's there's this place where we have to, to understand how do we shift our mindset, and how do we stay in the right energy, but then there's also the real practical aspect of like, okay, once we're in that space, where we can hold that, that's like, okay, now I actually do need to take action. You can't have just one? Yes. Gotta have both. And I think that's where a lot of, you know, a lot of entrepreneurs, a lot of coaches, creatives people in, you know, that have like, income that fluctuates, yeah, you know, they feel that stress and strain, because they're like, Okay, well, you know, I don't know what I'm going to get from month to month. But what would you say to somebody who is in that place, where their their their monthly income is fluctuating? And, you know, what's a step for them so that they can start, you know, moving towards, you know, that action? Taking?
Vanessa Bowen 22:29
Yeah, very great question. As entrepreneurs when your income is fluctuating, this is why you need to have a plan. And I know, it might seem like, Well, how do I create a plan, because I don't know what my income is. You may not know what your income is going to be, but you know, what your expenses are? Right? And you know, you can you can control your expenses. You know, you've got the set fixed expenses, like, you know, mortgage rent, internet, cell phone, those are fixed, but then there's the shopping and the EDL.
Andrea Crisp 22:56
Getting your nails done. Yeah, exactly.
Vanessa Bowen 23:00
Those are the things you can control. So this is why, for us who have this fluctuating income, it's really us focusing on what we can control, which is the expenses. So you need to have a plan, you need to have a budget, and then from there, it makes it easier, because then you know, what your your net, like zero is, like, what do I least need to make sure I bring in to cover all of these things. And then any, anything on top of that is gravy, you know, spend that like, go on your shopping spree or put it towards your debts and put it towards your savings. But when you don't have a base plan, what happens is, you have this month of great income, and then you're like, so proud of yourself, which you should be, but then you just go and spend the money. You don't plan whereas if you had a budget and had a plan, you can say, Okay, this income this month is amazing. I've got my month covered, but then you can say okay, well, I need another $4,000 or $5,000 for next month. Okay, let me actually peel out of some of this excess income and put it aside for next month. Like you're more prudent like you're you're making those those decisions in your finances that are actually going to lead you to better financial health, as opposed to just saying, Well, my income is whatever it is, I don't know what it's going to be so I'm not going to plan for anything. Yeah, that's just gonna cause you to stay in this spiral.
Andrea Crisp 24:18
Mm hmm. Yeah, you know, when we know better we do better. Right? Is that the phrase right? Yes. And I know for myself, like, you know, getting really just digging into my finances this year has been you know, one of the things that I've really been actively doing and, and the more I look at it, and the more I see the full picture, I go okay, I'm actually able like I'm creating space for money to come. Wow. And and that feels really good. And then I also don't feel fear, because I'm like, You know what, I just see it it I know what it is. I'm not afraid of it because I can see it. Yes, I know, whether it's where I want it to be or not, you know, I think that's improving as we go, but, but I just want to encourage anybody who's listening, it's like, oh, you know, I'm maybe not in the right place or feel like I, I can, you know, talk to somebody about this yet? It's like, yeah, when you when you feel like you can trust who you're working with, yeah, and they have your best interests at heart, then that is going to be, you know, probably the best scenario for you to unpack your whole financial portfolio.
Vanessa Bowen 25:34
100% I could not agree with that more. And that's why we're saying before, like, you can't do this on your own. Yeah, like, you cannot you have to, like you said, find that right person for you, that's gonna guide you. It's gonna have your best interest.
Andrea Crisp 25:49
Yeah. So what do you think now, as far as investing, like, as we're looking, you know, you know, people are maybe looking at, you know, different things on the internet, trying to figure out what they should do. Who do they turn to?
Vanessa Bowen 26:07
Yeah, it's a great question. And I think going back to what we've been saying a lot is you have to turn to the people who know best, which is a financial advisor, it's a financial professional, you can definitely obviously, you know, ask your friends, ask your parents, but also realize that their financial situation is very different from yours. So they're going to give to things they're going to give advice from their perspective and their situation. They're also going to give advice from their mindset, their money, blocks, yes, past experiences. Yeah. So this is why we have to be very careful where we take advice from and if you really are serious about shifting your financial life, and I know it's scary at first, but afterwards, I promise it will get better. But if you're really serious about this, you have to sit down with a financial professional. And you have to seek the right advice from the right person who knows, like who has the knowledge, and this is, this is their job, this is what they do. Like, this is what they eat, sleep, breathe. So why not go to the right person that's going to actually look at your finances holistically and give you that people first approach and advice.
Andrea Crisp 27:17
I'll tell you what, I wish that I would have taken my intuition a long time ago, I remember like, honestly, years ago, Vanessa, I had this feeling like I really should pay more attention to my finances. And then I just kind of let it sit there. And it bothered me bothered me bothered me, because I was like, I never felt like I was in a financial position, chat even make a difference. I was like, I'm just trying to get by I was a school teacher. And then I was in, you know, church ministry and not making a lot of money. And as things went, I was just like, I'm just trying to, like, get by, like, you know, survive and have a good life. But I wish that I had. So to anyone out there who is you know, even in a career position or in entrepreneurial position, I would just encourage you, you know, reach out. If it's, if it's about the shame, and you're like, you know what I really wouldn't, I'd love to have a conversation, then reach out to me, Excel, I'll chat with you. And I will, you know, help you to, you know, just uncover what may be holding you back from taking that next step. So that you can take the next step, and you can start looking at your money picture and, and see how you can move from a culture of just paying attention to what is right now. Oh, two sourcing from the future, which, you know, I love talking about. So. Vanessa, thank you for being here. Is there anything else that we've missed today that you want to share with us?
Vanessa Bowen 28:52
No, I think the way you just kind of wrapped up the end really just spoke to me of really seeing all of us step out of this culture of now and getting us more to connect to our future. And just from a mindset perspective, just that shift Elune is going to create is going to create not just a mindset shift, but an energetic shift. Because we are so focused on the now we're so focused on our current situation that we neglect, and think about how much attention we're putting to that right how much attention we're putting to where we're at right now, where we don't want to be, how much attention we should be putting to where we want to go and where we want to be. Just that shift in itself is going to align you with where you want to go is going to align you with the money in abundance, it's going to take you to where you want to go. And so we have to get ourselves out of this culture of now we have to get ourselves more connected to our future to where we want to go because that is that first step you have to align with that stuff aligning with where we're at today because you're if you say stuck, like that's what keeps us stuck. We align with it. Today, and then we attract all the things that keep us where we're at today. So we have to get out of this culture of now and step into where we want to go and connect to that. And then we're going to be able to align with it. But on that journey to make sure you're speaking to the right people, the right professionals, that cooperators is really positioned themselves in this this season that we're in to sit with people to meet them where they're at, to literally release the shame and guilt and knowing that you wherever you're at, there is possibility for your future. So speak to the right person and get the support you need.
Andrea Crisp 30:35
Girl That'll preach. That'll preach. Thank you for being here. I love you so much, it will make sure all of the links to connect with you and to even get the help you need are going to be located in the show notes. So people can go to the show notes at the courage cast calm, and connect that way and find out how they can start moving towards sourcing for their future, and move out of the culture of now. So thanks for being here.
Vanessa Bowen 31:07
Thank you for having me.
Andrea Crisp 31:09
Okay, if you're anything like me, you are going to pour yourself a glass of wine, light a candle, get those spreadsheets out and take a deep dive into looking at your finances. Because friend, no matter what it looks like right now, you can make a huge shift in your life. And I want to remind you that you are not stuck where you are. But it requires taking ownership and really getting honest with yourself about how you can start sourcing from the future. So I want to thank Vanessa for joining me today for lending her wisdom and expertise. As always, I will link up her information in the show notes so that you can access all of her socials and how to connect with her and even move forward in your own financial life. And also, I'd love for you to connect with me over at at Andrea crisp coach or at the courage cast. And if you're up for getting daily text messages with journal prompts, and intentions and things just to really help you shift your mindset in your life. Then I want to encourage you to text me the word courage 26474242429 Thanks for hanging out with me today. Until next time, remember, you have everything you need to live bravely.
Kate 32:40
If you like this episode of The Courage cast, we'd love to hear from you. Leave us a rating and review and while you're there, hit subscribe so you never miss an episode. Original music and production by Steven Crilly
