Secrets to Unbreakable Confidence and Financial Success (ep 1413)

Now, your ideas don't have to wait. Now, they have everything they need to come to life. Dell Technologies and Intel are creating technology that loves ideas, loves expanding your business, evolving your passions. We push what technology can do so great ideas can happen right now. Find out how to bring your ideas to life at dell.com slash welcome to now. It's a phenomenal morning. And in fact, this is how I think about this morning. Uh, I've got brooding Kansas City on my mug, but on the back, that's because it's a boulevard brewing company. I'm already thinking about beer and it's first thing Monday morning. Uh, brewing is in beer and not as in. Yes. And cafe beer, not just for breakfast anymore. It's what they're trying to sell coffee mugs at the brewery. They do. And look at their, there's nice thick ones. I really like that. You know what I mean? Like the diner coffee mugs where you can hardly get your mouth around the edge of the coffee cup because it's mostly mug. And you get like a shot of coffee inside it. The heat stays forever. No, that's true. Like it just, it just stays warm forever. What are you guys drinking? Uh, do you need to know what's in the cup or do you just want to know the outside of it? Cause I'm not prepared to reveal what's in the cup. He's got the same fish and thing. Oh gee. What do you do? Statue of Liberty today. Oh nice. Well, America speaking of being patriotic. Most patriotic thing you can do is say, thanks to our troops. And we try to do that every Monday and today's no exception. So gentlemen, raise those glasses, especially that statue of Liberty mug. Let's get that one done on behalf of the men and women making podcast. A mom's basement and the men and women at Navy federal credit union. Big shout out to our troops. Let's all go stacks and bedrooms this week. Shall we? Thanks everybody. Ignition sequence star. Six, five, four, three, two, one, zero. All engine running lift off. Live from Joe's mom's basement. It's the stacking Benjamin show. I'm Joe's mom's neighbor Doug. And today you'll learn how to embrace your innate power and achieve your dreams with four time national champion gymnast and serial entrepreneur Lisa Carmen Wang in our headlines. How are your date nights? Will help your wallet and maybe your love life for our TikTok minute. We'll see just how magical it is to include your kids in a job interview. And if that's not enough, we'll throw out the Haven Lifeline to a stacker who wants to know if they should cash out their ETFs to put towards a down payment on a new home. And then I'll share some competitive trivia. And now do guys who put the golden golden years. It's Joe and oh, I think I can get down with that dog. We help people put the golden or golden years. If you listen to stack your Benjamin show, right? We help build that pile of gold. Is that what you tell yourself every night to say even in the middle? But it doesn't even need to be in the golden years. Let's do it earlier than that. Hey, everybody. Let's talk about retire early for the win podcast. I'm Joe Salci. Hi. I have a Joe money on Twitter across the card table from me. It's the man, the myth, the podcasting legend. Wow. That's a big eye roll from Doug. Yeah. I'm just thinking you already introduced me. Like why? Why are you giving me all these accolades again? It's another introduction for you. Nice. I just want to know how many times Joe, I just caught it. How many times you've said average Joe money on Twitter? Don't you have to say average Joe money on X on X. You see, I just, yeah, yeah, I want to start. I saw a video of Elon Musk himself given a talk and he accidentally called a Twitter in front of a huge audience and then he goes, I mean X. And then they all everybody lives pretty good. Yeah. So even the guy who's called Twitter people, man, we got a great show today. Lisa Carmen Wang has won the, what hasn't she won? Well, the Olympics and she'll talk about that was the one thing she did win. But the world championships, the Pan American games, four time US national champion. She is coming down to teach us how to be a bad business bitch. Oh, gee, are you a bad? Yeah, I should have preface this that would that and I'll ask Lisa about this. She kind of embraces that word. So I think she and Nicole Lappin are maybe going to fight over TG 13. Yeah, like who owns that word. But before that, let's go talk to you. And am I talking to you and Doug about dating? Is that what we're talking to you guys about the last people I want to go to for dating advice might be the two of you. Where are we going with this? What have I tried to say? I think you need to take a breath. Let's listen to this while you get your stuff together. Okay, fine labor strikes, climate change, your crappy office printer. What are they all having common? Come on. It's all about the money economics is everywhere and everything fueling our lives, even where we least expect it. If you're a fan of the stacking Benjamin show and are curious to learn something new about exciting about economics every week, I recommend you listen to the planet money podcast from NPR. Planet money is a different kind of world where the complex economy actually makes sense where human stories supersede abstract theories. Listeners can learn laugh and be entertained. It's econ, but it's down to earth. This is a really well-produced podcast OG. One of my favorite episodes, and actually listen to it a couple of years ago. And it's so good that I know it appears occasionally kind of in their reruns and their greatest hits was about a guy who was working in a scam call center down in Central America. And these are the scam call centers that are calling a lot of folks who are like senior citizens in the United States and in other parts of trying to learn tactics or well, they are and they're trying to figure out how to make you feel how to make that senior citizen feel guilty enough to hand over their money. And this guy went inside. It's funny. We talk about crappy office printer. He was originally working at an HP tech center in Central America and HP shut that down. And he needed a job and it's like, oh, my cousin needs somebody to be his tech support in his office. And he goes to work there and realizes pretty quickly that he's working for basically a whole bunch of thieves. And he decides to be the inside guy. It's fascinating. He, you know, he taped people. He was working with the FBI in the United States to help trap these guys. It's an amazing story. And only only podcasts like stacking Benjamin's and planet money can take you that in depth to bring you that kind of tons of topics on their, on their feet. Great, great show. The planet money team lives to tell a good story in around 30 minutes. And it's econ for the rest of us. It's, it's taken complex stuff and making it really simple and making it really engaging tune into planet money every week for entertaining stories and insights about how money shapes our world. Stories that can't be found anywhere else. Listened out of planet money from NPR, wherever you get your podcasts. Still can't believe we're doing this. OG settle down. It's simple hygiene, Joe. We're just telling you to take a shower. Okay, here's more instructions. Where did you get the 10,000 German company to use? The commercial platform as a complete solution. With your own company, start with companies and expand. With Shopify, you can simply get your own online shop. Not even without the knowledge of programming or design. Test Shopify costs. And bring your business ID in the world. Go to Shopify.de Schreigstrich Podcast 23. All right, we're going to roll with it anyway. We'll fix it in post as they say. We've got OG here. We got Doug. We got a great headline. Lisa Carmen Wang, four time US national gymnastics champion coming up. So let's get going. Hello, dogs. And now it's time for your favorite part of the show. I was stacking Benjamin's headlines. All right. This is incredibly interesting. We'll pull back the curtain a little bit as we're deciding what headlines to share. Doug writes this says, hey, this should be a good headline. And then what was it? A couple hours later, OG writes, this should be a good headline. So apparently you guys both want to talk about dating. I was in a different time zone. The important takeaway here is that Doug wins. Doug did win. Important takeaways. You guys are all thinking money and dating. And by the way, what I love is the title of this piece by Julia Carpenter, is that you both apparently embrace couples embrace the least romantic date ever. The money date. I just think it's funny that they changed the title. Like where I found it and were dug found that the titles were different. I don't know if you shared it directly from the Wall Street Journal or if you were on flip board or something like that, but it was interesting that the titles were different. I actually didn't even catch that. No, I did it from Wall Street Journal. It says right there over to the link. What was the old headline? Oh, when date night gets between the spreadsheets was what it was called when that's definitely what it said when I say K.O. I can have my Excel spreadsheet open while Barry White's playing while I'm on day night. That's a random Tuesday night for Doug. Is that was a little too saucy for the journal? It might have been maybe an editor finally woke up that morning and like, we published what? What? Between the spreadsheets to tweet the move for pouring over budgets and savings goals, tiara Bates and her husband Gregory get dressed to the Nines and headed in her to fancy steakhouse quote, we're discussing things, but we're celebrating at the same time said Bates, a school therapist and real estate agent and Shelby North Carolina, treating ourselves while still talking about the goals we have in mind. This mix of romance and finance been dubbed a money date by financial visors and others in the business of building wealth. The idea is to carve out time for the sort of conversations couples often dread by making an event to look forward to. Well, you know who embraces this OG? They're singing off my song sheet. Yes, that's why I saw it. I was like, this will really tickle Joe's feathers for people that are new to the show. I strongly speaking of date night. I'm sure there are people listening to this on date night right now. Like, let's snuggle up and listen to a stacking Benjamin show. But Cheryl and I fully embrace this weekly money chat. That's only 20 minutes long. You set a timer as soon as 20 minutes is done. It's over, especially money geeks for the money geeks out there. Your spouse often doesn't want to have this conversation. What what question we get over and over OG? We get how do I get my significant other to be interested in? And I'll say this. The number one way to get your spouse excited about this is to stop boring the **** out of them. Just don't just stop because I know, you know, the second that I say, hey, want to hear something cool? Cheryl immediately rolls her eyes because she knows it's going to be a money thing. She's like, no, no, hard pass. Do not want to hear something cool. She runs out of the room screaming. Yes, please, please don't. So we agreed to be 20 minutes. And then what's neat is we hit the 20 minute mark and things are going really well after a few of them like Cheryl wants to continue. I try to make sure that nope, we're we're done. Keep it fun. Don't get sucked into the path of oh, she's really into it. So now we'll go an hour and a half. Now we'll bring out the top and all we do. All we do on the money date OG is we look at last week's expenses, talk through those, and then we talk about what we're going to spend money on the next week. We don't even have the big chats. We saved that for a couple of times a year. We just have the little chats. And I find the big chats happen organically if the little things occur. And I think you also pair it with some sort of food, right? I mean, you turn this into, you know, breakfast or dinner or something like that. I was a little more downscale though. We don't get dressed to the nines whipped cream. Yeah, we go to either I hop and have pancakes, not kidding. Where our money dates at I hop or we'll have it over wine in our dining room with some music playing. I did like an article where they said, you know, they get all dressed up and go to a fancy steakhouse. Yeah. Let's talk about the ways we're wasting money on a $400 dinner. That's right. Are you kidding me? We'll get the we'll get the most expensive wine with that. You know, one of the things that I liked Aaron Sky Kelly talked about was that just last week, a couple weeks ago, a couple weeks ago was when you sit down to have these talks, don't use it as an opportunity to point out how your spouse is doing something wrong with your money. You know, I think she talked, I mean, that was sort of the way I paraphrase it or the way I interpreted it. But a lot of people will have that talk or go to therapy and they're hoping that the therapist will agree with them, that they're right and that their spouse is wrong. And you can have that same wrong approach with this date night between the spreadsheets where you're really hoping to talk through something and hope that your spouse understands why them spending money on whatever they value is incorrect. That's going to backfire. Oh, every time. Yeah, every every time. I like how they talk about halfway through this piece, the art and science of the money date, turning financial planning into a date might sound like a mismatch, but science backs up the premise. It's a form of temptation bundling. Well, what that means is you're pairing a less exciting task. What are they talking about? Budget, less exciting task. Come on now. What? There is one doing my taxes. It's amazing with a more exciting reward. So take the less exciting thing, a pair with a more exciting award research suggests can actually help people change their habits. Said Scott Rick, associate professor of marketing at the University of Michigan. Oh, I like how you emphasized the V and University of Michigan just stealing it right away from the buck eyes. You guys, you guys also proud of the fact that I didn't even say that I throw up in my mouth during that too. I'm very proud of myself. You didn't say from that school up north. That horrible school in Ann Arbor, Michigan, that horrible school in that beautiful city. Yeah. But I do agree with that. Oh, gee, I mean, I think about atomic habits, right? And when we had James clear on and James clear talking about you on something to become a habit, paired with something that already is a habit, attach it on. And before you know what the habit is, habits there tied together. And financial planning is, you know, you were talking about the big things, right? When we think about the big things of planning and but the reality is is that it's the collection of all the little things. It's making sure that your bills are paid on time. It's making sure that your credit score is where it should be. It's making sure that you're not paying too much interest on your consumer debt and trying to pay that stuff off. It's making sure that you have interest on your savings and checking account. That it wasn't a thing for 15 years. And now people are waking up to recognize, hey, I've got my emergency fund sitting at Bank of America at 0.01% and the money market fund at the brokerage accounts paying five and a half. You know, it's those things that happen in between the big discussions of, I think I want to retire in 20 years or I think we want to send the kids to college and we want to pay for this part of it. It's all of the little decisions that happen that kind of move you to the, to the big goal. And if you're not having a format for having those little discussions to stay on track, then you're just hoping that you're pointed in the right direction once every five or six years when you actually sit down and go, I should probably look at my 401k and rebalance this. It's been a decade. Yeah. If you turn this into just a little tiny thing instead of this big, huge thing in your head, it doesn't, the blocks don't come like they will. The longer you put it off, the worse that gets, which is funny because we avoid money off in OG to avoid stress. And yet the longer we avoid it, the more stressful it becomes. Yeah. And it's this ongoing like building wave of chaos that's coming your way that you can see in slow motion, right? It's like you knew the first month that you didn't pay off your credit cards. You know what I mean? Like, like think about cash flow or you think about inflation or whatever. And you go, well, there was a month when, you know, I didn't do it. And instead of addressing it right then and go, okay, I've got to get ahead of this right now. It was like, oh, I'll just kind of bury my head in the sand for the next 36 months. And that's how you wake up. And you go, like how holy crap. How did I end up with 40 grand in credit card debt? Well, you know, what's that phrase? You know, I went bankrupt very slowly at first and then very quickly at the end. You know, it's like, that's how it happens, right? It's like, it was very slow. It was a slow burn of that issue, let's say. And then all of a sudden it's like, and boom, now I have 40 grand of debt. Like, what do I do with that? But I think we can also take the flip side of that, which is that you got to give yourself a little grace too. It took a long time to get where you are. You're not going to get there overnight. This isn't going to be one money meeting or two money meetings. And taking it just a little bit at a time, you'll find yourself with these, you know, let's quote the Mr. Ramsey with the baby steps. You'll find yourself back on track, but your brain's got to get there first. Well, and that's kind of my point with all of it to begin with. If you look at that big goal of, you know, if you're 35 and you say, you know, I think I want to be financially dependent on 65. I've got 30 years and you sit down and you do the math and you go, and I only need four million dollars. And then you look in your brokerage account or your 401K and you're like, and I've got 61,000 today, or I've got 61. Oh, never make it. And you just kind of go, oh, gross, right? It's not about the four million or the 60,000 or the 60 dollars. It's about the fact that tomorrow you need to enroll in your 401K and contribute up to the match. It's that you have to make sure that your cash is in a place that's going to earn interest. It's, you know, it's these little things that you can do week to week, you know, or meeting to meeting one task. Just point it in the right direction and just begin rowing. That's always a shift to do. Love to hear about all of your money dates. How do you make money dates fun? What is the thing that you do if you are following us on Spotify? We'll post a poll. If you're in our basement Facebook group, we'll also chat about it there. Or just some, you know, Joe at StackingBedgments.com. We'd love to include later at the end of a future show. Exactly what all you do for date nights. It's time for our TikTok minute, though. Time when we shine a light on a TikTok creator who's either doing something brilliant or air quotes, but you think this is brilliant. Yes. It's totally genius. I can feel it as we record. I know this one. So I am going to say brilliant. This is one of the few TikToks that has come from OG. It was a TikTok poll. Did I send it from YouTube? I think you sent it from TikTok. I have it as a TikTok. So who knows? Wait, right into his hand. He knew I was going to say it was genius. And then you share with me that he was the one who sent it. Is this the guy who is doing the video interview? Yes. Guy is on a video interview. So that's the setup. And well, he's dressed super nice. Yes. At the nice backdrop. You know, he's doing a zoom interview for his new job. He's all set and he's going to introduce the premise of what's going on during this interview. I know that you wanted me to send a video and you wanted me to include one of my children. And I only have one child. Her name is Abby. And she's here. So you wanted some background like I dress like this every day as soon as I get up. I get up at 4 a.m. Every morning, I go for a run. And then I run for about 12 miles. Then I come back. I make sure the house is all clean and tidy. I do all the dishes. And I watch. So I do all the dishes. I make sure the dogs are bathed that way when my wife gets up like everything is done. So I'm very diligent in that. Bye. No, Abby. That's not you. Please. You can't. You can't. I'm here. Please. So you asked about my diet. I only eat vegetables. There's no kids. Come on. You wish you're all a day. I don't eat egg sandwiches or iced tea. I'm total water and. No, no, please, please. If I do get an order from the deli that I just get water and like a veggie wrap or something. You asked how I met my wife. I was a centerfielder for the New York Yankees. And I was playing in one day. Hey, and she's gone. She finally walks out. So the whole time she's got this incredulous look on her face. Yeah, like what? Talk to this guy. Run 12 miles. Wait. I didn't get it. When you first set me this video, I'm like, run to. Okay. Wow. This guy's an overachiever. Like, wow, he's a total overachiever. Does the dishes in the morning? And I'm really not getting where she's coming from and halfway through. I'm like, oh, slow play on the kid. Yes. Is that what happens to the OG household? OG runs 12 miles every morning? No. I get up at the crack at eight. Twenty every day. Clockwork. Which is why I was able to get our headlines submission in three hours before him. To be fair, your time said did say like four AM or something. Yeah. Maybe it was just maybe I was in a different time. So at the time. Doug doesn't sleep because all he's doing is thinking about the show, making sure the show is good. Yeah. Obviously. It's all he does. Some people are diligent around here about the show. You know, who else has been thinking about making the show great Lisa Carmen Wang. She is the four time US national champion gymnast. She's a serial entrepreneur. She coaches women. I'm becoming better entrepreneurs, but for women in men today, she's going to bring some of her best advice, a voice of resilience of not letting people push you around about setting boundaries and about being able to get where you want to go. She is a brand new book out, which has we're going to have a lot of the B word coming up because her book is called the bad bitch business Bible. Yeah. Interation. It's all right there. But before we get there, Doug, I think you got some trivia for us. Hey, there stackers. I'm Joe's mom's neighbor. Doug, I'm happy to announce that I finally mastered Whartle last week. I solved it in three days in a row and just seven guesses. So easy if they ever add mental gymnastics to the Summer Olympics, you're definitely going to see me competing. The first Olympic games were held in Athens, Greece in 1896 and only included summertime sports. The Winter Olympics weren't added to the rotation until 1924, which I assume was also the first year an ice hockey team made it all the way through a game without a fight. Although the Olympics rake in billions in tourism revenue, hosting them cost billions more than they earned. Good to know, I could have lost a fortune. The 1936 Olympic Games in Berlin were the first to be filmed with the footage later being cut into a feature film titled Olympia. Twenty-four years later, Americans were able to watch the games from home for the first time ever. Today's trivia question is, which American television network was the one to broadcast the first nationally televised Olympics in 1960? I'll be back right after I finish perfecting my back hands for it. Have got a fantastic podcast recommendations for when you're done with this episode of Stacking Vegetements. You know, often we listen to shows like Stacking Vegetements because we're so anxious, we're so worried about our money that we just need to know more. I agree. Knowing more about a topic is a great way to calm down and to relax about it. But often we look for these external ways to get less anxious when we truly got to look in, which is why I like Kitty Kremitzow's show Meditation for Anxiety. Their guided meditations to help ease anxiety, you can feel more calm and peaceful in minutes. Super easy, you just press play and listen whenever worry or stress is too much. If you're really feeling intense worry, well, it can certainly help during times of overwhelm. Helps me fall asleep, my mind's anxious and keeping me awake. So do what I do, subscribe to Meditation for Anxiety on your favorite podcast player. That's Meditation for Anxiety and we'll have a link in our show notes at StackingBedgments.com. My guest is Kim Zachman, she is author of the book There's No Cream and Cream Soda, and I don't think I've ever really known the story of why they're called hot dogs. There are so many legends about the name of the hot dog. When the Germans, immigrants came over and they brought all their sausages, they also brought their docksons. It really is because they kind of look like docksons. Something you should know, wherever you listen. Hey there stackers, I'm mentalist and Olympic hopeful, Joe's mom's neighbor Doug. After a lifetime of watching the Olympics, I'm pretty confident I could compete in most events if I put my mind to it, especially curling. You can hold a beer while you're doing that, which as far as I can tell, it's just a bunch of people sweeping around a disc while a dude yells at him. Sounds a lot like making shows and Joe's mom's basement if he asked me. Today's trivia question was, which American network was the one to broadcast the first nationally televised Olympics in 1960? The answer? The 1960 Winter Olympics aired on CBS. The network paid $50,000 for the privilege and the legendary Walter Cutt hosted the telecast. The current broadcaster and $50,000. What? Well, $50,000, I mean, think about that today. They paid $50,000. Yeah, okay. Well, I finished the rest of this, do your rule of 99 or whatever it is and I'll finish the rest of it. The current broadcaster NBC owns the right to air the games through 2032 for the low, low price of just under $8 billion. Right. So does $50,000 in 1960 convert to $8 billion today? Is there been like no inflation? And now here to help you break free of your perfectionist mindset and start earning the money and respect you deserve, it's Lisa, Carmen Wayne. And I'm super happy we have her here with us in the basement, Lisa, Carmen Wayne is here. How are you? I'm great, Joe, excited to be here. Well, I'm super excited you're with us. I bet you don't get a chance to do many basement interviews. I've watched you eat cereal on some videos. So you do have some fun. Yes, yes, my favorite cereal is Lucky Charms. Because of the fact that I'm a lucky girl. Yeah, duh. I got to warn our stackers, we're going to say they were bitch a lot during this interview. And you address this, by the way, Lisa, early on in the project, you say words matter. And you've chosen that word on purpose. So let's go right there. What does the word bitch mean to you? Well, I'll start with how bitch has traditionally been used, which is to describe a woman who is cold, aggressive, mean. And the word has been used to essentially, it actually ends up describing a woman who just knows what she wants, says what she means, doesn't tolerate disrespect, and calls up bulls**t. So the reclamation of the word bitch is basically the reclamation of a woman's power to say what she want and get what she wants unapologetically. And so I define a bad bitch as a woman who takes charge of her body, her boundaries, and her bank account. You are not somebody who always did that. Like this is very personal for you, because you were not always a bad bitch. You say, though, the first thing that you did was you learned to bet on yourself. Do you remember that moment? Yeah. The moment was for me, I was gymnast for almost a decade of my life from 9 to 19. And my goal was to go to the 2008 Olympic Games. I sacrificed everything for that dream. And I ended up missing the Olympics by 0.25, 10th of a point, which is my stomach just so close. Yeah, and it was one of those moments where it's just so painful, a complete shattering of my identity, because I had banked on this for so long. And that same time when I found out I didn't make the Olympics, I also got accepted into Yale University, and I ended up telling Yale that I was not going to go that year, because the biggest thing was, in missing the Olympic Games, it was one of the biggest losses of my young life at that time. And I realized, though, that my identity was not that of a gymnast. It was that of a winner and a fighter. And that was when I really just bet on myself. I was like, you know what? This is not the way my story ends. This is not the way I end this chapter. And so I ended up going to, I bet on myself to be the best gymnast I could possibly be for myself. And I ended up going to the Russian Olympic training center, trained there nine hours today, nine months, came back for my final competition and swept every single gold medal in athlete of the year. And then I was like, peace. Now I'm out. You always go out on top. But I want to go back to that moment when you told Yale, no, because I want people to know how much Yale meant to you. Yale meant a lot to you, Lisa. I mean, this wasn't just like, oh, I got into Yale, big deal. This was Yale, was your dream school, you wrote? Yeah, I've, I had two dreams. One was to go to the Olympics, and then the other was to go to a great school. Yale was my dream school. And I think it felt like I hadn't finished the other chapter, you know, I hadn't finished that career as an athlete yet. And so I just didn't want to regret looking back that I hadn't put everything of myself into it before moving on and embarking into the next dream. I want to ask about that moment before you didn't make the Olympics. This is the world championships, I believe. You had just amazing at the Pan and Games for, I think, the third or fourth year in a row. You talk about how you felt this weight, these expectations, and we've had guests on lately, Lisa, talking about fear and this weight of expectations. How did you, how did you change that? Because so many of our stackers feel this weight on us, right? As we get into these big rooms, these big places, these big dreams that we have, how did you go from someone that feels that to being someone who fights through it? I think like the weight of expectation, the weight of perfectionism, the weight of not wanting to disappoint others, of fearing the failure and investing so much of yourself that it feels like it can't fail and it's so scary to do that. And I think the number one skill that I have gained from gymnastics that I bring with me as an entrepreneur and an investor is the ability to fall and get back up again. When you are as a gymnast, you literally physically fall in front of thousands of people and somehow you have to find the inner strength to put a smile on your face, get back up again and keep going. That's when you realize that you are unbreakable, which is the first commandment of my book, a bad bitch, is unbreakable. That is the trust in yourself that no matter how many times you fail, no matter how difficult it becomes, the feeling of I can trust myself to get back up again, I think starts to relieve that weight of expectation and perfection and it's just practice, you know, doing it again and again. I know that your audience is the women in our audience, but just I can't tell you how many times I had to give myself this mantra over and over, remind myself that I have to just feel the fear and do it anyway and to break through it. I'm thinking about your decision not to walk away and to go out on top, right? Which is a bad ass move, which was so cool. But there's got to be times that I'm thinking about a later chapter in your book when you're talking about some of these gross people that you met in Silicon Valley, mostly it seemed like to me. And these people aren't just in Silicon Valley, they're all over the place. You had the older man who's the mentor who wants to go get drinks and talk about it more and help you with stuff. You got the guy who's got the wife and the two kids out in the suburb who you call the cheater who's really there for one reason. You've got just straight out lot. You've got this broke culture that you were involved in. When do you decide like you did with gymnastics that it's a time to fight versus a time like some of these relationships where you're like, I got to get the f*** out of here. So every woman has encountered all of the uncomfortable situations at work, whether with colleagues or bosses and investors and it's a very uncomfortable situation, especially if you are a young woman that's rising in her career and it feels like sometimes these men will use power dynamics, uneven power dynamics to get what they want. The experience of me too, again, is something that we all have experienced. And I think that as I have grown in my career, it's just really recognizing that, okay, this is out there and I have a responsibility to know what my boundaries are and to be smart about entering into situations, listening to my gut and my intuition and really calling it out if now when I have a position of authority to do so, when I see it for other women, it's for myself and just not putting yourself in situations or circumstances where something could happen. I think it's also just really important. But are there other places which maybe aren't so filled with creeps, Lisa, where you're just like, this is a dead end and I need to get the hell out of this, you know? I mean, because you may have seen other gymnasts where you're like, it just isn't your thing. It's time to go. It's time to go find your thing. I remember hearing one CEO say in the 90s saying, you know, I don't regret letting people go from my company because the way I phrase it to them is this clearly is not your thing. Why would you waste your life doing something that's not your thing when there are clearly things that you could be blossoming at right now? They could empower you. Could be so good. Like when do you know that it's that move? Oh, like when to leave your current job and go do something that are absolutely awesome. Yeah. Yeah. So I started out at a hedge fund when I left college and I immediately knew. The moment I walked in, I just, I knew in my gut that I was not meant to sit in front of those monitors and I just knew I was meant for something more. And so I think I was very in tune with my, my emotions to be quite honest and I stayed for only two years. I've always been very driven by impact. I believe that I have skills, the voice, a message. And I think that's the first battle of all of it is, can you believe in yourself? Like do you believe that you can actually create that impact? Do you believe that you're meant for something more and cultivating that belief in yourself is what is going to help you like eventually find the thing that you are really passionate about and give you the courage to take the lead. You have 10 commandments in this project and there are three areas body boundaries and bake account. Talk about body because it's not just your body shape and maybe, I mean, that's definitely a piece of it, but it's being, being comfortable in your own skin. But you begin this whole project by saying, I've spent my whole life thinking I wasn't enough. That's a huge sentence. How could somebody who's done so much have that feeling that I'm just not enough? Well, it's almost ironic because perhaps it's that feeling that drives you to accomplish a lot. I think there's a lot of pressure definitely that came from just knowing how much my parents sacrificed is immigrants coming to the U.S. and I think a lot of immigrant and immigrant children experience that I've always been very self-competitive like I always just wanted to be better and what I have worked on a lot now in my adult life is learning to be grateful for what I already have versus constantly looking at the next goal, the next thing, the next accomplishment because I did realize pretty early on in my career after gymnastics, you know, I was getting awards and such and I recognize that there was a disconnect between the external accomplishment and my internal feeling of worthiness and I was like, the more I achieve, I actually feel the less worthy I feel like this is not working. The gap got bigger because when I look in the mirror, I was still me. You know, I'm still that little girl that was just trying to get approval from her parents and everyone else and who was made fun of for being Asian growing up. And as I stacked up these accomplishments, it felt like people saw that and it was like, maybe they don't even know the real me. We call it imposter syndrome, but I don't really like that term, but it was just this feeling of like, do they know the real me? And then at this point, I'm kind of just giving up. I'm like, you know what, I know the real me, I like the real me and people can misjudge me however. And I know that's going to also happen with this book, you know, like on the cover I've had just the name Bad Bitch, Business Bible, running the Bad Bitch Empire, you know, me with my badass leather and on the cover of the book, I know people will put me in certain boxes and, you know, labels and women also have harsher judgment placed upon them when they are in the media. So I've accepted that and I've actually done a lot of internal work to be like, I don't need to attach my value to external validation anymore. And at the end of the day is really about like self love, self worth and self respect. Getting on yourself, well, you make this strong point that you were caught in this good girl land. And by the way, I know that you're speaking to women and young women. I was this person, Lisa, I was the same exact person. I'm a dude and I was totally stuck in in, well, I just, I'm not going to talk about what I've done. I'm not going to talk about who I am. I'm just, my job is to just be quiet and do it. Maybe if I just do more, people will notice. And you know, as you just do more, people, people don't notice. But this, this good girl thing for you has some really deep roots. Yeah. Yeah. So good girl brainwashing, I define as all the societal and media messages that train women to be small, silent, subordinate to people please be overly polite, to be perfectionist, to be afraid of failure, afraid of risk, afraid of betting on themselves. Everything from, you know, the earliest western philosophers defined women as lesser than incomplete men. It's very hard to not have that subconsciously effect you as a woman. And I think especially as a woman of color. And so I think just for me, breaking free of that good girl brainwashing has been a very, very long process. And I think there's still times I find myself like, oh, wow, why didn't I stand up for myself that time? You know, why did I allow someone to cross my boundaries? And it's still that nice, that good girl that wants to be like a people pleaser. And so it is a constant thing that I have, you know, going back to what I said about really detangling your value from other people's validation. It's so, so powerful. And by the way, so much more fulfilling when I don't need you to, you know, there's that German, I don't know if you said the movie German choir, but German choir is like, you can't complete me. When it doesn't take somebody else to complete you, I think Lisa, your point may be you're better off that way. Yeah, that's why I say a woman steps into her full power, not when she has finally given permission to do so, but when she realizes she never needed it in the first place. It's such a huge point. You make a great point. We downplay our accomplishments. We criticize our flaws versus focusing on our strengths. You talk about how that systematic in women, I also think though for, for all of us, I mean Lisa, I spend time thinking about I don't have enough hair, I have a very weak chin. Like I don't see my strengths, I see the flaws and it's so, it's so difficult to operate that way. How did you make the flip to operating the opposite way? This is the work of one's life to learn how to look in the mirror and just absolutely love yourself, like your own greatest lover. You know, I just started noticing the negativity in my mind where my automatic thing was to criticize myself to say, like, why you could have done that better, why are you late, why? And it was as if it was like my coach's voice in my head when I was a gymnast, the Russian coaches just yell at you, pick at every tiny little mistake to make you perfect. So I had that extreme because I'd been trained for a decade to look for my flaws in order to become a better gymnast. In my book, I talk about the self-love letter, it's a bad bitch love letter that you write to yourself and the exercise that I have my coaching clients do, which is to stand in front of the mirror naked and to do a body scan and notice all the negative things you say about yourself. It is so uncomfortable, the women who do this, like they tell me they're crying, they're sobbing, they don't realize how much they hate themselves, and what does this have to do with business? It's everything it has to do with business because if you hate the person that you see in the mirror, how can you actually energetically walk into a room and negotiate and advocate for yourself? How can you actually attract the right sorts of people, teammates, money into your life if you don't have a good, energetic relationship with yourself? I want to be clear when I said, I do this too. I never get evaluated like you do. I know there's people that are going to watch our YouTube video of this Lisa, they're going to be evaluating how you look, they're not even going to think about the fact about how I look until I said, you know what I mean? They just don't. I've had so many female colleagues who get comments, female co-hosts that get comments on our different brands and you see the comments that women get all the time that I don't get. Body piece, super important for women, especially I think, I think, I think, I think moving an amen need it. Yeah. I know so many young men that need a more positive body, self image, I am, I am enough, but holy crap, the crap you go through that I will never go through or some of the young men that I coach. I love, by the way, on this note, you've got this wonderful, beautiful analogy around Japanese art and taking cracked pottery because I think this real, did you mind telling us that story? The Japanese art of Kinsugi is the art of taking broken pieces of a vase and putting it back together with gold or silver liqueur to literally highlight the cracks. And so this is the mindset that I train people on, which is really the idea of being unbreakable. Usually when we're afraid of failure or perfectionist, high achievers, we are afraid that if we fall or fail, our cracks are going to show. And the idea of Kinsugi, I use this as a metaphor of in this art, when you literally break it and highlight the cracks, well, you're actually, it makes it more beautiful than the original form. And so when we think of perfectionists, it's like there's not a single crack, it's super just perfect, that actually that is not as interesting, that is not as beautiful as something that proudly owns its cracks and even showcases it and makes it amplify it. The cracks make it more beautiful. It reminds me, it's not the same thing, but it reminds me Lisa, one of my favorite quotes. And I don't even remember who said it was. It's the cracked ones who led in the light for the rest of us, by the way, which is maybe congruent, but not the same. We've barely touched on what you talk about in this project, but there are two other areas I want to ask you one question each about about boundaries, which is a whole huge amount of stuff. We could have a five-hour interview about boundaries and about the last part bank accounts, but I want to ask you one question about each of those. You talk about established boundaries and about how women specifically really often have a problem because you want to be seen as likable, you want to be seen as a team player. But how do we establish boundaries, but still come across as a good partner? Like, don't mess with me, but I also want to be a giver. What's a really tough middle ground, Lisa? Well, I think there's a difference between being firm and clear and transparent with what your values are, what you do or do not accept, and direct in your communication. And I think that a lot of people are afraid of conflict. And so as a result, we'll be passive-aggressive or have silent expectations, and then that actually creates tension, or it's like if something annoys them, they just shove it under the rug, and they're like, let's just keep the peace, let's just not create any conflict. And the idea of boundaries is terrifying because we want people to like us. But when you think about people that you respect the most, it's when someone can very clearly state that just doesn't work for me. I don't do things like that. This is how I do them. And like when you're upfront and direct, it actually saves a lot of people a lot of time and then you can very quickly move on beside if it's a good teammate or not. The older I get, the more I don't like what you just said, I love what you just said. And those are the people, seriously, those are the people I want to be around. Don't waste my time by telling me what you think I want to hear, which by the way, once again, you want to be likable, you want me to like you, you want me to be on your team. Tell me what you want to do, where you think I'm stepping in it, where you think you might be stepping in it and man, does that create that creates such a better place for all of us? Yeah. And there's a way. So even when you talk about giving someone feedback, there's a way to be direct about those things without blame, shame, guilt, because a boundaries are really for yourself. And it's, this doesn't work for me. It's, it's just a firm no, right? It's a firm way of saying, this is how I do things. I don't think the way it, like the moment you start blaming other people and saying, like the way you do it is wrong, right, finger pointing, that is not boundaries. That is just like, that's actually being like mean and judgmental. But when you're saying it, this doesn't work for me. And you don't need to justify why and you don't have to make someone else wrong. As a result of it, you can just walk away or decide to do something else, which is better for everybody. Last thing I want to cover is bank accounts and you, you spend a lot of time talking about fairly valuing ourself. Where do we go first when we're learning to fairly value ourself and our worth? Well, it always goes back to self. Yeah. The first thing that I always ask people is like evaluate how you invest in yourself. Do you invest in your skills? Do you invest in your business? Do you invest in self growth? That is a very good indicator of how someone will grow, how someone will handle their money and what their values are. So if there's a part of you that has difficulty with negotiations, difficulty with asking for money, difficult with investing, firstly, like how am I actually investing in myself? I'd say you, you are your most valuable asset. One of the stories that I share in my book is around this webinar that I took to learn how to create online courses and this woman was, she created an online course that she was selling for $2,000 to teach other people how to create online courses and when she gave the price tag, which was $2,000, all these people on the free webinar said all this too expensive. I don't know if I can do it. A lot of people dropped off. But she made a very valid point that if you believe you can get one client, this course will already have paid itself back and my thought process was, well, of course, I would get one client. Like, so it's not even $2,000, it's like, it's free. I just, I'm going to do the work. And so I invested in myself, I invested in that course and I turned that $2,250K. So that was an investment in myself that I showed I am good with money. I am good with decision making. I know how to turn money into more money, which gives me confidence also as an investor and as a businesswoman. I think about that how amazingly in society, most of us don't question a college education. It's just what we do. And yet for some degrees, the ROI is sometimes questionable, or even if the ROI could be good with that degree, we don't think about it as ROI. So we don't make sure that we take full advantage of what that university offers. And yet it's amazing that you've got a $2,000 course that can teach you specific ROI, exactly what you want. You can get close to somebody who's done that before and people like, yeah, no, can't do it. It's amazing to me. I mean, it doesn't have the shine of a college degree. And also, it's like, if you get it, you have to do the work. There's no excuse. Yeah. I love the idea though, because what you're really alluding at is designing your own curriculum, your life curriculum, which I think for your bank account is so important. The book is called The Bad Bitch Business Bible. It's 10 Commandments to Break Free of Good Girl Brainwashing and take charge of your body boundaries and bank account. And it's available everywhere, right? Yes. So all the places and you can go to badbitchempire.com to grab extra goodies when you buy the book. Awesome. Let's, you know, we're going to link to that. We'll link to the empire. Lisa, thank you so much for helping our stackers become bad bitches. I really appreciate it. Awesome. Thanks, don't. I'm Liz, the chief mom officer and when I'm not busy being the breadwinner of my family of five, I'm stackin' Benjamin's. You know, gee, there is a difference. Having a team player and having people then take advantage of you and not respect your boundaries. Like, they're just as a point where like, yeah, this isn't about team playing anymore. This is me just doing everything. Yeah. There's obviously a part of kind of dragging the team along and helping everybody else and that sort of thing. But there's a reason they tell you to put your oxygen mask on first, right? You have to make sure that you're headed in the right direction before you can help anybody else. What about David Lifelike, about that tackle life's most amazing moments? It's funny. I've been talking about the Haven Lifelike for how long and I still can't think of what that is. Oh, it's most important questions or most amazing moments. I like them both. Our friends in Haven Lifelike. Yeah. So our friends at Haven Life Insurance Agency, OG, they put what you value first. I'm back to the first thing we were talking about about something, something steak night, something, something, something, something fancy dinner, something something. Steakhouse? First part of that, just the second part is more pork. I heard it was steak. I heard it was steakhouse. It's actually your loved ones in your time, it's why they may buy quality term life insurance, actually simple. You go to stackabedgments.com slash Haven Life for a free quote, their application. It's all simple. It's online. You get this stuff done so you can move on, get about your day and really lovely customer support. Earlier OG about how, you know, there's this friction and anxiety about addressing your money stuff. Much more anxiety if you don't have your life insurance taken care of. Absolutely. Stackabedgments.com slash Haven Life. Today we're going to throw out the lifeline to an anonymous caller. Hello, anonymous. Hi, Joe and OG and Doug, I love your show, long time listener and not a first time caller. Thank you for taking my question. I was wondering, so I have this opportunity to purchase a home with a 7% interest rate. I have to have some cash on hand so I can't put a large down so I'm planning to do a 5% down. However, given their interest rate is so high, I'm wondering if I should sell some ETFs that I have in a brokerage account and so that I can increase my down payment. Towards the mortgage, would you suggest doing that or should I just keep my funds in the brokerage account alone and just suck it up and deal with the high mortgage monthly payments until I can refinance looking forward to your answer. Thank you so much. Bye. Oh, thank you for the question and hopefully, even though you didn't give us your name, you did give us your email so we can send you a Haven Life line. Hold on. Greatest money show on us. I said it right up at the front. The most important thing she said in that whole question was not a first time caller. She already has a shirt. She gets another one. I mean, how nice is that for her? It's very nice. No, the whole family, take the family to the Grand Canyon, get a shot of, by the way, did you see the two awesome stackers in the basement wearing the 2020 four shirts? Yeah, that was amazing. It was absolutely fantastic. Love that. Shout out to the Wildy family for doing that one. I really like that photo. That was absolutely superb. But anyway, so she can do something similar now, Doug. She can get all of them. But OG, let's get to the question here. Do you go with a higher amount down or the bigger monthly payment? Well, the phrase that realtors like to use is you marry the house and you date the rate or something like that. Is that the phrase basically at some point in time in the future? Maybe you can refinance. But I'm really concerned with that philosophy because it requires a whole bunch of things to go in a different direction than they're going, right? You don't want to buy a house thinking to yourself, well, at some point in time, this will be cheaper because it really won't be because it's just fast forward like, let's say it takes three years for the rates to lower or maybe it takes three years for the rates to lower and for you to be outside of the where it makes sense to pay all the fees to refinance again. Well, over that time, your taxes are going to increase, your property, insurance is going to increase, flood insurance is going to increase, all those normal expenses associated with owning the house are going to increase. So then maybe you refinance your house and you save a few bucks, but you end up paying it back in taxes and insurance just because that stuff's going to go up every year anyway. I really find it hard to justify the idea of, well, I'll just get this house right now because at some point in time, it'll be less expensive. So if you can't afford it the way it is, then I don't think that you should purchase it. Don't bet on the future to be able to afford it. Well, but maybe she can't afford it, but she just wants to lower down payment. Yeah. That's kind of what I'm saying is like from a cash low standpoint, if you're looking at it from like, I can just keep my lips above water until I get to refinance, I think that's a really tough situation to be in. Five percent down seems really light in terms of equity position and maybe end up paying in PMI because of that. So there's some at a cost there potentially, you know, there's ways around that. Obviously, if you're, if you're bankers amenable to working with you on that, but every time I hear low down payment numbers, I feel as though it's, it's not the best situation. Right? It's like, oh, I got this great house opportunity. I figure out a way to make it work. I can only put five percent down. And if it's like maybe in her case, she's thinking about it from the perspective of, I've got a whole bunch of money in my brokerage account that I don't want to necessarily, you know, use as a down payment. So I'm going to take all my cash or just use as little as possible. If from a net worth standpoint, you're comfortable. And this isn't a stressful thing from a net worth standpoint. Then I think it's really just the determination of is it better to pay a seven percent interest on the mortgage or is it better to leave your money invested? And that's just your prognostication about what you think is going to happen in the future. I would rather pay the interest on the house versus take the money out of my stock account. If you take money out of your investment account, you have to pay taxes, which is, you know, some number likely, which is, you know, in that calculation. So I'm looking at this from a couple of different perspectives. I'm assuming that you've got enough money in your brokerage account to make a really healthy down payment like where you should be. You're not stressed out about the cash flow of the higher mortgage payment, in which case take the higher mortgage payment. If you're looking at it from, I can only afford this if I only put this little bit down. And I'd have to zero out my investment accounts. Then my thinking leans more toward like what is it necessary to buy this house then, right? Then you're kind of quite literally mortgaging your entire future. So I don't know, not enough information to make a educated decision. Yeah. Well, related. The reason that I had OG to your point is what is that money there for now? What is it earmarked toward? And if it's not, I really like doing that because I think that you make better investment decisions when you kind of have an idea of what this is for. You might not have been spending it for that. But so the question is, let's say that that money was put aside for an early retirement. Can you still get your retirement goal and put more money down on the house? Can you do that? Like if I do this, if I committed to the house, what goal is going with less? Because I want to know, and I love that fight because of the fact that now we're talking about what do we value? Do I value a bigger house today than early retirement? And if the answer is no, well, then you have your answer, right? Then can I do it on the cash flow? If the answer is yes, well, then if I take that money away from retirement, what does that do to retirement? How much does that push it back? And then what does that, how much more house does that get me? And does that feel good? So I think there's that whole other, what's the other goal that we're missing that we don't have that I think is really important. So I'm with you more, more info there, but that's definitely the way I think about it. Yeah. I mean, ultimately, if you're looking at moving money from a brokerage account to the equity position on a house, what essentially are you doing? On the balance sheet, you're moving money from one line item to another, both sides are assets. There's no difference to your net worth to pay down the house with your to make a larger down payment. The really goes to cash flow. And to your point, the other thing that it affects is what the other purpose of that money is because you're not going to get to retirement and say, your famous line, I'll just sell off part of this bathroom to, you know, to fund my early retirement. So from a net worth standpoint, it's the same, except you're taking away the diversification, you're taking away the capital appreciation of equity positions, which is generally higher than real estate and certainly higher on average than a single piece of real estate, in terms of diversification and that sort of thing. That's how I get back to the cash flow component of this. If this is like, I'm just concerned when I hear people say, I want to put down 3% of my house or 5% of my house, I'm thinking, well, why can't you do 20 or 25? Well, it's because I don't have the money because, you know, I want it now. You know, you know what I mean? Like it kind of feels rushed. That's immediately where my mind goes. Maybe not the case for this person. Great to consider though. Always great to consider. Absolutely. And to your pilot on, I don't think enough people do think about that. Thanks again for the question. We are going to make sure you get a Haven Life line stack in Benjamin's greatest money show on Earth's shirt and it sounds like at least the second one. So take the family shot and upload it to the basement and we will share with the world your stacker pride. Yeah, I don't think it's been clearly stated often enough that a requirement of getting the t-shirt is posting a photo on the basement. It is. It is so fun. It's just to see, well, let's just go into our last segment. The show, our community calendar. Let's chat about the community because Kate the great from our team is going to be on Instagram on Thursday, 5 p.m. Eastern 4 p.m. Central 2 p.m. Pacific mountain. You figured out Kate's going to be doing a giveaway chatting about, well, topics like what we talked about with Lisa Carmen Wang today about. So she'll be diving into those and hanging out on Thursday. By the way, Kate the great one of the people sharing her stack in Benjamin's love. It was like 100 degrees and 100 percent humidity in Tokyo when she was there a couple weeks ago and you see she still she didn't put it on, but she showed her shirt with all of that Tokyo, you know, their version of Times Square and all those lights and stack in Benjamin's there. We've had what Daniel overseas with his shirt picture from Ireland. Yeah, we've had one from the Minnesota Vikings preseason game. That's right. And Michael. Yeah. And of course, it camped. In front of Lake Charlotte. Yes. Good stuff. Anyway, thanks for those. We also Doug have done some polls. Yeah. I love this. We're getting into doing polls over on Spotify. We posted a poll that talked about how our frequent contributors, Lenin Lacey, they use Excel to budget Joe likes some apps. I think right now, what's the app you're big into? It's Monarch. Monarch, I was. Yeah, Monarch. So the question was, which ones do you use? And poll closed and we had 20 percent of the people say they don't budget, 33 percent said Excel and 46.7 percent say they use budget apps. More people use apps. Yeah. Maybe a future poll is we actually give some options of which apps do you like? If we've got almost half of our listeners who responded on Spotify anyway saying they like apps. You know, which apps they're digging? That's a good basement topic, Facebook basement topic, which apps they use. You know, I know Monarch money is a sponsor of the show, but we are having a lot of fun with that. Going back to date nights, OG, that app is just has such a clean interface and Cheryl's got her own log in. I've got mine and it just makes it really easy for everybody to follow along. So somebody's not a money geek. That's a great way to go. I really like tiller. You know, if you're into the spreadsheet thing, but a lot of people aren't money nerds. If you're not a money nerd, then tiller is going to be not a fit for you. If you're not into that kind of a poll that we might do in the basement, you probably would like the one recently that said, what do you like to put on your twat waffle? Which by the way, Doug had fallen asleep apparently during the interview and Doug calls me and goes, hey, Paul in the basement says has a pull about twat waffle. Yeah. I'm like, this is the dirtiest thing I've ever heard. This is cool. Get it out of the basement right now. And you were concerned by my response. I was like, have you lost your mind, man? How are you letting this through the filters? Because I'm like, that's so awesome. So awesome. What do you like? I think the number one answer there was what? Serup? Yeah, something like that. Yes. OG, do you like syrup on your twat waffle? I'm not playing this game because he is see that answer right there proves he's the twat waffle of this podcast. If you don't know, we're talking about go back and listen to the hilarious and awesome. She brought it man, Aaron Sky Kelly a couple weeks ago. We've also had some great reviews on the podcast. You want to hear one of those, Joe? Let's bring it. Yeah. So from just a little while ago, five stars, this podcast is must listen for everyone looking to become more comfortable with their money situation through meaningful conversations. They don't listen very closely. Strategy and humor, Joe OG, Doug, that's why I'm reading this one because they called me out. Guests and panelists do a phenomenal job making money fun and easier to talk about. Thank you for building an inclusive community and the education you provide to us all. That was submitted by somebody, Joe SS. I don't know who that is. It is. I shut off. I'm shocked. Ice. I mean. I'm here. A little review for the first time. That'd be great. And by the way, Joe is very handsome. Yeah. That's right. Yeah. All right. Thanks to everybody who left us a review, who hangs out with us and takes part in our community. If you want to know all the ways to interface with us and be a part of our community at StackingBedgments.com slash welcome is our welcome guide. OG, big plans between now and Wednesday? No. Nope. Nope. Between now and Wednesday? No. No plans. Wow. He does. This work work. Like we're going to say, Dr. Julia, Dr. Julia DeGangie talking about how our brains work and about how to get our emotions under control. Most of us, most of us like Doug start with emotions first and we let them rule our day and let them rule our investments, but we can turn that a frown upside down, Doug. So you want to be here with Dr. Julie DeGangie on Wednesday. Well then, and man, lot to take a waste today, but what are our top three? Well, Joe, first, take some advice from Lisa Carmen Wang and be unapologetic about your worth so you can build the wealth you deserve. Second, take a lesson from our headline and have regular money meetings with your toilet waffle. I mean, your significant other, whoops, but make them fun. Save the really big topics for just a few times a year. But the big lesson, make sure to get in a good stretch before you play Wordal. Last week, I pulled a hammy reaching to pick up my phone. Thanks to Lisa Carmen Wang for joining us today. You can find her book, The Bad Bitch Business Bible, Ten Commandments to Break Free of Good Girl Brainwashing and Take Charge of Your Body, Boundaries and Bank Account, wherever finer books are sold. We'll also include links to our show notes at stackingbenjamens.com. I think it's also where you buy books that are huge to fit those titles in. Like, they're like coffee table books that are going to fit these giant titles on them. The titles don't get you are so much alliteration. They don't really consider announcers when they make those titles. You know, hard that is? We'll go upstairs and talk to Lisa. This show is the property of SB Pod Gast LLC Copyright 2023 and is created by Joe Sol C. Our producer is Karen Repine. This show is written by Lisa Curry, who's also the host of the long story long podcast, with help from me, Joe and Doc G from The Earn and Invest Podcast. Kevin Bailey helps us take a deeper dive into all the topics covered on each episode in our newsletter called The 201. You'll find the 411 on all things money at The 201. Just visit stackingbenjamens.com slash 201. Wonder how beautiful we all are? Of course you'll never know if you don't check out our YouTube version of this show, engineered by Tina Eikenberg. Then you'll see, once and for all, that I'm the best thing going for this podcast. Once we bottle up all this goodness, we ship it to our engineer, the amazing Steve Stewart. Steve helps the rest of our team sound nearly as good as I do right now. Want a chat with friends about the show later? Mom's friend Gertrude and Kate Youngkin are our social media coordinators, and Gertrude is the room mother in our Facebook group called The Basement. Say hello when you see us posting online. To join all the basement fun with other stackers, type stackingbenjamens.com slash basement. Not only should you not take advice from these nerds, don't take advice from people you don't know. This show is for entertainment purposes only, before making any financial decisions speak with a real financial advisor. I'm Joe's mom's neighbor Doug, and we'll see you next time, back here at the stacking Benjamin show.