Overcoming Money-Shame w/ Audrey Heesch

My biggest thing is I live life to the fullest to my satisfaction, not yours. I am just on a mission to empower small business owners and with their finances and just get them what they need where they're at and uplift them. My biggest takeaway is that it may seem like a pain in the ass right now to set it up and get it going, and maybe expensive, but doing it when it's too late, I can guarantee you, is 10 times more expensive.

The journey to wealth is a long walk and some may walk quicker than others, but what good is sprinting to the finish line if you pass out when you cross it? On Walk to Wealth, we enlighten and empower young adults to build wealthy, abundant lives. They say the journey of 1,000 miles begins with a single step and your first step starts right now. This is Walk to Wealth with your host, John Mendez.

Thank you.

Before we start talking about the money talk today, let's hop back in this time machine, as I like to say. Take us back to Little Audrey. What was it like growing up? Was this something you always had in mind? How did this all come about? What was it like growing up, back in your childhood?

Oh goodness, i was raised by a single mom a young single mom, and so there was a lot of scarcity and a lot of lack. In some ways it was definitely hyper-focused on. So the money shame was something that has carried with me, and my family is not good with money. They always say I'm an alien because I came out of nowhere being very strategic and very planned with money. I remember in middle school this is how much of a weird nerd I am. You know those lamps that had little drawers. There's little four. The base is drawers. No Fair, i was just like purpose of the process. So, thank you, there's four little drawers instead of the pole up And each one of those drawers. I had different things. I was like, ok, this is for college, this is for my car And this is for spending. And this was. I'm in middle school, so this is not exactly prime time for people to be budgeting. And here I was budgeting my senior year in high school. My I don't know if this is all over the country, but we had a senior project. You had to do your senior project before you graduated And my senior project was on the pitfalls of credit cards, like how people my age, didn't understand credit cards and what they meant and how they it transacted into their lives. It was seen as free money And I was like this is no, this is not how it works, and so that's what I did my senior project on, and so well. It's just been fascinated with money And I love managing it and figuring it out and eliminating the shame, because when they're shamed, you ignore it, and I saw that firsthand in my family, and so I was like I'm going to break that mold. Here we go.

Yeah, and so take us a little bit more further down the journey. So after you did your high school project right, you're talking about money and credit cards, and that's around the time where I took my first entrepreneurship class in like sophomore year. I was still never really focused on money, though, so I took the class. I would just only think I remember, honestly, was watching Shark Tank every Friday, that's about it. And then I had a personal finance class for half a semester that took in high in high school, but besides that, i really wasn't money smart at all, and it didn't happen for me until I got into college, and I'd wish that for that, and that would spark everything. So, after you graduated high school, where does your journey take you from there?

That has been a wild journey. So I graduated in 07. So that was right before the big dip and the big craziness with finances. And so I was still going to school, i was on the accounting track. The accounting track is very and my industry as a whole is very black and white. I'm not a black and white human, i'm very colorful. And here we go. And so I switched over to finance, thinking that was my path. But it turned out not to also be my path. But that's when I got graduated with the restaurant I was working at. The CFO was like when you graduate, come talk to me. And so I got in doing the books for the restaurant And it slowly evolved to a more and more business. I've been like OK, can you help me with this, can you help me with this? And I ended up moving to Oregon no-transcript, this is where I'm just taken off and I was working at a place where it was just. I came in and I put together like three or four years of books with mingling funds, everything everywhere, and put it all together. And then after that, the CP accounting firm was like what are you doing now? And so I got a job at the accounting firm, and from there I took off to my bookkeeping business. And now I'm on to my next step, to be an interim CEO.

That's amazing. So let me ask you, because it's one of those things when it comes to becoming an entrepreneur, when you're, you know, in corporate, i feel is a lot harder than when you become an entrepreneur like either fresh out of high school or while you're in high school, while you're in college, before you get the golden handcuffs, because it's like you have something solid as being in the accounting space or finance space, usually getting paid more than like a social worker or something like that. So, like you, usually it can start off making a lot more money than some of the other professions. You have normally at these companies some better benefits and you started your business despite already having something that was pretty secure. What was it like navigating, starting your business and doing the independent like bookkeeping thing at that time where you were like starting it off? What was it like back then?

That is one of the fun curves in my story. I always said I did not want to be an entrepreneur. I was like no hard pass, because being in the accounting firm and just everything I'd seen up to there and I saw the worst of the worst Like I know how bad entrepreneurship can be And I was like, nope, not doing that. But after I left the accounting firm because it was just like I went after the accounting firm I was like, okay, i need to do 180. I went into the construction world because I was like, nope, done with this. Over here, my clients found really creative ways to find me. Like they tracked down my now husband at work to be like can I have her number? And so that was very flattering. So I had like three or four clients in the bag before I started And it was like, okay, i can work my normal 50 hours plus additional to help my clients, because I really wanted to make sure they were taken care of, and so I just leaned into it, even though I didn't want to, and it was like I don't want to do this, but I was like it's time, it's necessary And it's what everything has been calling me to do. So, instead of fighting it, like I had been for years and I could have been much more established by then I finally leaned into it and took this, took the leap.

I mean, i feel, because you bring up a pretty interesting point. So you said like I should have been. and should implies a lot of judgment, right. It implies that we something had to have been done already, right. And so a lot of times when we get into something and we realize that we had the opportunity to start as sooner, would beat ourselves up about it. How did you not get in that negative trap of just like, oh, my goodness, i could have done this better, sooner And I could have been so much more successful And being more in the mindset of, like, gratitude and being just grateful for where you are and finally starting? a lot of people tend to like always get caught up in the entrepreneur and the business and stuff like that and never get caught up in the gratitude. And so how did you not get caught up in the like, oh, beating yourself up because you should have done this X amount of time ago?

That is a beautiful insight and a beautiful perspective. I my mom was really. I've been always been hit strong, like when I decided to do something. It's what I choose in that moment, where I'm going, and so I just my biggest thing is live. I live life to the fullest, to my satisfaction, not yours. And so that was my moment. I was like, okay, this is what I'm doing it, so this is now where my mindset is going If that makes sense, like I was just like nope, this is my path. Now I'm going to go here. Yeah, i could have all the should've and clearly I said some of it. So some of it's still lingering that I need to work through, but for the most part, it's releasing myself from that mental trap. Like you said, like, where's the gain in that? What do you get from focusing your energy, your time, your mental's capacity on that, when you could be focusing on your future and where you're?

going. Yeah, it's one of those things where, like we act, disappointment comes from unmet expectations And a lot of our expectations are unrealistic And then we question why we were unmet And so many times, like people find themselves so disappointed And it's like you're at the right place at the right time, worth all the stuff going out. You're where you need to be for this current season of your life And for that current moment that you're in. And I always talk about like I don't really talk about on a podcast as much as I probably should, but when I am talking to people it's like let go of things you can't control, and that's one of those things is like you can't control. And another thing is everyone always assumes that if you change one variable in the past, that it spirals into success And when in reality, anyone who watched like a time traveler movie should know that you touch one thing in the past and like you could have some many different scenarios than a picture, what you originally planned for. Like you don't know how things would turn out And so many people just beat themselves up and they're stuck living in the past And it's like and you have to be grateful for where you are now and get through it. So you started your bookkeeping business on a side. Now you're an interim CFO. Like, what's it like now, to bring us back full circle before we really dive into today's conversation What's it like now? I know you. Last time we spoke you had some exciting things And like, what's it like now with the business world, with your business, but this new position that you're getting into?

Yeah, it's lots of exciting things, so mostly well. So in July July 17th through the 25th I believe I'm putting on another summit, so that is going to be amazing and incredible And just spilling the tea on gaining gaining control of your business's finances, because I know that's something a sticking point with entrepreneurs, and I am just on a mission to empower small business owners and with their finances and just get them what they need where they're at and uplift them.

That is amazing. I was just teaching a class right before we hopped on to record this And I've been. So. I have a marketing company and I'm actually getting ready to launch my first course literally next week when the time of recording this. So I'm doing like I don't know. If you know Jeff Walker, but he has a book called Launch And if you have a good like a product, whether digital or in person, or service or whatever, coaching or his book would be an amazing read for you. He talks pretty much about he is like the OG of launches, so, like most of the people at launch, your business, have a product. Students of his, like all the big time entrepreneurs pretty much learned from him And essentially what he talks about is like you teach three pieces of content. I'm doing live video, so I'm going live workshop style, but you teach three and then on the fourth one, you pitch whatever it is. So, whether it's your coaching or if you have a high ticket mastermind or if you have a course, i'm launching a course. So day four, i'm going to pitch my course and then you have an open cart for a week, meaning that it's available for a week. For anyone that doesn't know what open cart means and the audience, and then on Friday that week I'm going to close the cart and then after that, whoever gets in gets in, whoever doesn't doesn't. So I don't even know why I was going on this tangent Long story short. I completely forgot the point, so we're just going to keep it going. So now you have this thing that's working on, you have the summit that you're working on. Long story short is Read Lodge. It's a great book that for anyone that wants to launch their business, for any you know, entrepreneurs and audience, or you as well, audrey it's like that book is an amazing read. And so to kind of segue into this stuff, so most of the people my audience is either trying to get into starting a business or just started it, and most people in this age group that I'm in 18 to 21 to 22, i mean most people in general don't know about money. But my age group definitely doesn't know about money And a lot of them aren't interested in, like, how the game actually works. And I always say there's two games There's one for the informant and there's one for the uninformed And it's one of those things where it's like I'm on a mission to help inform people because it's like what's that? Then you can actually play, and so let's talk about it. You know, accounting money for small business, like money management in general, like how does one start? Where does one start when it comes to starting their business? How does one begin to properly manage or book keep their small business? Because for me right now, to be transparent, i don't have a bookkeeper at all or anything like that. So I have a business card and the business bank counts. I'm like somewhat organized in that one, but like I don't have a bookkeeper or anything like that keeping track or anything. So Kajabi keeps track of how much I made, which isn't really much at all, but after this launch, you know, it might be a different story. So where does one start? Long story short.

That's amazing. You did an amazing first step by getting a bank account that is strictly for business And that is absolutely step one, which generally means you need to register your business with both the federal and the state, so you get an EIN from the federal and then the in Oregon we call it a bin, i'm not sure it's all over and get that business bank account and keep it separate. That is one of the biggest things that I see is the mingling of funds between personal and business. The next step would be tracking And, like, if you do take something on your personal card, track that either have a spreadsheet or have your book set up to accommodate that transaction. If you're used to using your personal, you're not ready to transfer it over.

The fine book set up. What does that look like for anyone? Someone who doesn't even understand. They just got into business because they wanted to get some side of money or started. You know, people told them they should start doing here or something. What does it mean? you have your book set up. What does that mean?

Excellent question. So your books are your finances, just, you're in paper form or digital form. Every transaction that goes into your business and for your business is tracked and it's called your books. You'll have, like, all your bank accounts, all your assets, anything you owe and then all your expenses, and you just put it into. It can be a spreadsheet, it can be a software system and you just track it and it shows you the flow and you get to reports and that's when the money happens, that's when you can really start playing with it. Like you said, that's when you get the power, because you have all this data and it's your data and you get to use that data, because you have it available to you to grow and learn.

Yeah, that's amazing. So you set up your bank accounts right and then you start getting your book set up properly. Where do we go from there?

Maintenance So once you have it all set up, then, since your business is always having transactions, your books should reflect that. So you get a sale, then the sale gets entered, you pay a bill, that bill gets entered and so the flow of money and the energy of money gets into your books and that's what it shows. And once you have that and you have it all put together, you can then look at your reports and be like okay, i know, every September is my dip month, for whatever reason. Either that's my break in launches or that's just the cyclical cycle of my industry. You can then prepare for that. You can be like, okay, well-, june is my high month, so the income here can carry me over here for my expenses that I might be missing. You can then start looking at your numbers and learning your numbers and making plans to see what is the downfall in the peaks and play with that.

Yeah, so pretty much to simplify everything, first you separate right and then you track and then you maintain, essentially. So I want to go back to the first one separate For anyone that doesn't understand why really like what's. You tell us kind of why, but like what would happen if we didn't Like what are some of the repercussions that could happen? or the bad stuff that can happen if you know it hits the fan and we're caught, you know, with our pants down. Like what could happen if you know we're not set up properly, because sometimes people understand it's like, hey, i don't need a business account, right, I could just use my personal and just say, you know, except when, like what would happen if you didn't have that set up properly and you ended up you know something bad would happen That is an incredible question because currently my newest client.

She hired me to put her books together because it hadn't been. What she did is. She would just tally up her expenses every time she decided to pay her taxes and it wasn't always every year like it should have been And she was going through big life changes. So it was just the compilation and she just didn't have it. And now she's getting audited. So we're currently in an audit. Big word, big word. Big word And it is that mixture of personal and business, and the auditor is getting into it because they have full liberty to do that. That is. Their job is to make sure that what you're self-reporting is matches what your reality is, and so we're digging through a bunch of receipts, a bunch of bank statements of personal and business and trying to get it all together, and my biggest takeaway is that it may seem like a pain in the ass right now to set it up and get it going, and maybe expensive, but doing it when it's too late, i can guarantee you, is ten times more expensive.

So let me ask you a quick question So you don't have to share her numbers, because of course that's your client. but like, what's the for? like someone who's like a small business owner, like a solopreneur, what's the biggest, I guess, tax or payment that someone would have to pay from being audited that you've known or you've heard of?

I don't have excellent question. I don't know The audit I haven't really heard of like the end of bill. I guess that's not, So what?

happens to that. That might be like something that I don't know. So, like I'm familiar with the term audit, i can know what it is. I know what happens. So like, let's say, you get audited and your books aren't in check, like what happens there? Like I guess it would be a better question than because what happens if you get audited and it's like, oh so you actually weren't property reporting? What happens there?

Perfect. So what the auditor does? they, for whatever reason, your account either gets flagged or put into an audit pool just by unlock, and then you get a letter in the mail and it just outlines what they're wanting documentations for. They can ask for every single line on your return or they can be like, okay, i want these categories. Everything else seems reasonable and I'm not going to waste my time on that. Basically, so they just take the wide items that they have questions on and you present documents, for Before you present that document, they send you a list of okay, if you don't give us any of these documents, this is what your bill is going to be, because we're going to disallow it. So you filed your tax return being like okay, i want these allowable deductions, but if you don't give proof, they're going to take them away. And so it just breaks it out to be like hey, this is how much additional tax you're going to pay. These are the penalties applied If all of these don't get documented, and this is the interest compiled on up to that. So my client is currently with that. It's half a million dollars.

Why can this Yes?

So it's a lot of work, it is a lot of documents because just the sales are really high and so the expenses are really high, and so it's just walking through that and getting it organized and valid to present to the IRS auditor.

And so then, sorry, sorry, sorry.

So if we can't present something but we can present half of it So let's say we can present like 50% of it but not the other 50% then we'll only show, only have to pay penalties and fees on what couldn't be presented.

Yeah, okay, that makes a lot more sense. I didn't know that's how it worked. in any business owners It's like your worst nightmare. Like the IRS is like the big bad mean guys. They're just trying to take all your money. So let me ask you right now that we kind of understand why it's important and what could happen if we don't manage our stuff properly. How can we make tracking simpler? I can make it so. someone that's even just newer, just getting started, and they know they probably got a business going a little bit. How can we make it simple and easy for them to understand so they don't just try to overlook it because it's too much work, right, especially for someone that kind of has it going already and is a solopreneur, so you got no time for that. you know I'm doing my business, i'm working my class, whatever it may be Like. how can we make tracking easier for people that so that they can manage their money properly?

If doing your books and maintaining that is too big of a step right now. The absolute easiest step ever is, like you said at the beginning get a business bank account and only use that So that way, all of your expenses will be in one spot. It's already tracked just when you get to putting your books together. It won't be a big project because it'll all be in one spot. You won't be looking at this credit card and this one and this one, and this one and this one. You'll have it in one spot and saying with receipts, just then, keep it in one spot. Keep one file folder with receipts, keep one in your inbox for when you get digital receipts, and just that can be a simple way to get started.

Yeah, that's definitely a great thing. One of the things I did to make it easier for me, i got a business credit card And for me that makes it super simple. And another quick little savvy trick Business credit cards don't refer to your personal credit report And if you know how to leverage business credit cards right, you can actually have a lot more wiggle room, playroom to get your business off the ground without having to go into crazy debt. And some of them have like 12 months zero APR. So if you have to kind of like fund yourself, as I said, make sure you can pay it off. Be smart with your money. Be smart because credit cards, as you mentioned, is not free money, But it's like if you need a credit card to get started, to fund yourself, let's say, you want to start a clothing business, you want to start up your own clothing line. Clothes aren't going to pay for themselves, especially if you don't have any clients You don't have. So that's when you can kind of almost see to fund yourself so that you can get your business going off the ground. And I definitely would recommend getting a business credit card Because one of those things it's like one. It makes reporting so much easier. It's like all right, i don't know how much I spend, but I know I only use this card for everything. So just boom, just look at my docs, my bank statements for this credit card, and it'll make everything easier and that way you don't have to, as I said, scramble around to keep yourself organized. But let me ask you a question Is there any software tool that I want to ask you about? QuickBooks, especially because I'm thinking about potentially using in the future? What's your thoughts on QuickBooks Right now? I have a business bank account right now and a business credit card for my marketing company And I'm looking to grow that And I'm finally starting to make some money with this entrepreneurship thing, right. So it's like am I okay with that for the meantime? or like do I get invested in QuickBooks? When would someone need that One? yes, is it? Yeah, when would someone need a QuickBooks Or need to invest in that if they already have a bank account, and what would be worthwhile doing so?

That is a tricky question because every situation is going to be very different. So this advice is going to be very vague because I don't want to steer somebody wrong and be like put this lady on.

you told me like So let me rephrase the question. Let me rephrase the question What are some pros and cons about QuickNotes? Right, so don't give a special general pros and cons about QuickNotes. I haven't talked about QuickNotes at all in my podcast, so, unless someone's already familiar, most of you people here probably haven't heard of it. So, like QuickBooks, what is it? Why would someone use it? Why shouldn't someone use it?

generally speaking, QuickBooks is the accounting software giant in the field. They have been around the longest, So their software is the best. Everything that you need is pretty much in QuickBooks if you need to. It's great because you can start as a start, a beginner, and then it goes to fairly advanced. You can add a lot of features and as you grow and you're like, okay, I want to know this or how do I get this out of my data, The software allows you to find that and figure that out easier than any other software. I've seen that wasn't like a customized accounting software to the company. It's easy. It's simple to use. It doesn't use a lot of big, scary words that some of the other accounting softwares have. They use it in more relatable verbiage and so that's helpful. It's online so you can easily get into it and out of it. It has multiple users. The downside is it's really expensive and so that can be a deterrent absolutely It's. Also as a company. I have personal issues with their ethics. That's probably another conversation for another day.

The reason I wanted to ask is because, when I think of bookkeeping, that's what comes to mind the QuickBooks. A lot of people probably seen their ads. I wanted to make sure to ask it, and so let me ask you at what point would someone go to someone like you? Do people go to you for only the bad stuff, or do people go to you for like regular bookkeeping, go to like an actual like person bookkeeper versus like an online software? What's the differences there?

I tend to attract the ones that are, that are the mess, and it's because it's fun for me, and so I'm very open about it and I don't Allow the shame to come through, because when there is those big, big issues, there's a lot of shame, because a lot of people feel like a lot of entrepreneurs are like I sort of done this, yes, should have known better, should have done better a lot of those shoulds and so I I eliminate that. It's like well, this is where we're at, let's get into it, let's have fun. I love my paperwork, i love my receipt, so I'm here for it, yeah, and so that makes them feel I Get told, that makes them feel better. So the ones that take off, like the ones that tend to be the most stable, reach out to a bookkeeper when they realize they're not maintaining it themselves and they're ready to take the entrepreneur lane seriously and Start to get this taken care of. And that's the beauty of finances You don't have to be the one doing the in and out day to day. That's why there's nerdy people like rule, but you do have to know your numbers, and I think that is the. The teeter totter that people don't fully Embrace is that they think that they have to be the one doing it and it's always the last thing, it's the first thing that gets put off. But doing their books first thing that gets put off an admin test and it's the last thing to get outsourced. But it's such a key, pivotal part of your business, your finances on your foundation, so it's important to take it seriously.

It's one of those things like and in rich, sad for that. It talks about the crash, the cash flow quadrant, and then it's like employee, self-employed, business owner and then investor. And a lot of people are self-employed, meaning they work for a job. The job just happens to be They're the boss of that job, and a lot of people get into entrepreneurship Just to work a job where they're the boss, instead of getting into entrepreneurship to start a business. And so one of the key differentiating factors that I've learned from talking to so many people in attending conferences Is, like knowing that, the importance of knowing your numbers. So, for anyone who really doesn't understand this and it's still new To this bookkeeping thing, like what numbers they look at? there's a lot of numbers. There's income, there's expenses. There you know and you can start getting very technical, start throwing in, you know Cost per acquisition and all these technical. I'm just now starting to learn about some of those terms and stuff like that. It's like what numbers, specifically when it comes to like at least the bookkeeping side things, should people look into So that they can have a pulse on their business and how it's doing?

love this question. So this is a fantastic question. There are, yes, absolutely, you should know your income. That is what a lot of the online world really focuses on is like what do you want your income levels to be? What do you want your income levels to be? and I don't. While that is very important, it's your bottom line that is more important, because if your expenses are bigger than your income, then What is that goal giving you? if your goal is $10,000 a month, but your Expenses are 9,500, is that really what you're aiming for? and so, really knowing what your costs are, what is your break-even point Which means, how much money do you have to bring in every month to break even for your just basic cost? and That's when you start to dig into that. That's when it's like, oh, i get it. That's when I I see people be like, oh, okay, i can figure that out and I can get a grasp on that, and I think that's a beautiful. First step is just knowing what your costs are, because that's when you can really start planning for your income. But you should be focusing on your profit.

Yeah, that's it. That's another thing that a lot of the online gurus and stuff preach site, oh, make six figures a year and doing XYZ, and they just share it through the revenue and And they don't give you all the bells and whistles as to what's actually going on behind the scenes. I, for example, like I mean, you mentioned earlier that you talked about a restaurant and I know from working in the restaurant. So it's like money is extremely tight when it comes to restaurants and, at least most of them, the margin is Like super tight. It's like a lot of them was like they're making a lot of money, but it's like there's so much expenses that goes into running a restaurant. It's literally insane. So a lot of these people have business and they're sharing the information. It's like, oh, you know I make XYZ. And it's like, okay, how much do you keep of XYZ? and a lot of people with you know You got to peel back down, you know, unveil the curtains. It's like you will see, a lot of people aren't really making as much as it seem, and a lot of people actually are Are burning more money than they're actually making. And so let me ask you for When it comes to keeping a pulse on your business. Now that we started looking at a number of income expenses From there, what are some other important things to look out for? because I feel like expenses. You know It's great, you know you have to pay for Riverside, the platform right here We're using. I pay, like what, 20 bucks a month or this and then have my ad in a platform right, but a lot of the time it's the unexpected things that pretty much screw us over. How do we, you know, make room for that, so that, let's say, there's a conference that's coming up and I want to go to it. I could actually attend so I can continue growing our business? like what are some of the things that are Unexpected that people usually get caught up on?

well, there's a global pandemic, which was really difficult. Um, uh it. It varies so widely and I think I feel like there's a lot of fear in that. Which is why people start to ignore their finances is because they're like oh, but I can't plan for everything And so I shouldn't try. And that's where a budget comes in, is you can be like okay, here's what we have. And if something unexpected comes up, you have your numbers in front of you to be like okay, this can be moved, this can be shaved, this can be this, this can and I can make it great. Or if it's something very, very important and you need to, okay, i know exactly where my finances are at, so I can get a loan or I can put this on the credit card or whatever. I get an investor, because I know how important this is. Once you have your numbers and your finances together, you can make those power moves based on the situation at hand, because you have all the data available to you. You know exactly your position.

And that's amazing advice. And so, audrey, we talked about a lot today. We talked about managing your pretty much what was it? It's separate and it's track that is maintained in the beginning, And then we talked a little bit into even what to look for, the numbers and things like that. So we got tons of actionable advice that people can start looking into to getting. So make sure that they got their tails covered and they don't hopefully ever end up in a situation where we get audited and we have a business and we tried so hard to get our business off the ground and now we have this giant bill that we go because we ain't do things properly. So where can we find you at? where can we connect with you? Where can we find out about your summit that you mentioned earlier, so that we can stay in the loop of your world and make sure we have our money right?

Oh, yes, you can find me on Instagram, graceful Penny. My website is wwwthelgracefulpennycom. The summit hasn't been quite up yet, but it's gonna be Get Off the Money Shame Train, and so that's where you can sign up for that. I don't know when this is gonna air, so It might be up.

I'll have it air before the summit. I'll have it up before the summit.

Okay so then it should be up, so wwwgetoffthemoneyshametraincom.

All righty, and so now it's time for our famous five questions. So question number one we're gonna come off swing and heavy. What is the most impactful lesson you've learned in life?

Most impactful would be to step through the fear. When you step through the fear, that's when the magic happens.

What is the most admirable trait a person can have?

Authenticity and ethics morals.

If you had to change someone's life with one book, which book do you recommend?

Anything, Brene Brown, What is it? Atlas of the Heart? Yeah, Atlas of the Heart.

What is the legacy that you're trying to leave behind?

That your numbers don't have to be scary.

And for anyone that wants to embark on their walk to wealth today. What is the first step you recommend they take?

Whatever that looks like for them. So that's not a very good answer. I don't know if I'm sorry. Just take that step. Walk through the fear. What is it you're most scared of? What is holding you back from what you is pulling you to do, And step through it. Find out what you need to support you to get to that next step, because it's calling you for a reason. Get it, take that step, walk through that fear.

You've now finished taking the first step. Now let us help you take the next one. Subscribe to our newsletter at walktowealthcom. That's walk, the number two wealthcom, so we can keep you moving on your journey. We'll see you on the next episode of Walk to Wealth with John Mendes.