How to Have the Most Fun with Money


Transcript

- I'm so excited about this episode. 'Cause it is about one of my favorite topics in life, giving. So keep watching. You guys, can you believe it? Christmas is eight days away! Ah, and here's the deal. I really want you to make the most out of this holiday season. So this episode, we're gonna talk all about giving and generosity. So Amy Brown from The Bobby Bones Show is going to be here today, and I'm also going to bring on a couple who is taking giving to the next level. So keep watching to hear their awesome story. You know, it's so interesting, during this time of the year, it's usually about, which we, just did a show on this you guys, but, budgeting for your Christmas gifts, and what you're gonna buy people, and gift lists, and go, all this stuff, which is so great and so fun. But, ultimately, when you're thinking about the holiday season, what is going to give you the most joy is going to be giving. Because giving is the most fun you can have with money. Because when you think about this, all we're talking about on the show, mostly, is getting you guys in a place financially where you're not stressed, where you're not freaked out, and you're in control, right? You're living on a plan, you're getting out of debt, you're funding retirement, you're doing all these incredible things. Because ultimately, I want you to live and give, like no one else. 'Cause I want you to be able to win with money. But there's only so much that money's going to buy, right? So when you get down to this place and you're winning financially, I want you to get some stuff, have some fun with money, absolutely. But there's only so much stuff that you can continue to buy. Even if you had, five million right now, and I just gave it to you. Yeah, you can have some fun with it, like, it's great. But after a while, it's just like okay, you just keep accumulating stuff, and that's not my goal for you. One of my big goals is for you to live and give like no one else, because giving changes you. Giving moves you on the spectrum of being selfish to selfless. And I'm telling you, when you live your life in the perspective of being selfless of what you can do for other people, the happiness and the joy that comes with that is unparalleled. Like it is, it changes who you are. It changes your life. And it can be really hard to have that perspective, if you will, because our culture tells us the opposite, right? Our culture is all about me, me, me, me. You're like my happiness, my job, my life. And I want you to fight against that, and I want you to start saying, you know what, life isn't aways about me, it's about other people. That is where our joy is going to be. There was a recent study done that showed that you only have momentary happiness when you are the recipient of a good deed, but you have long term happiness when you are the giver. And this is key, because I don't want you to miss out on that. When you are giving, that is where the joy comes in. And I don't want you to miss out on that joy, no matter where you are in the process. That's why I always talk about you need to be giving, no matter what baby step you are on. And in my book Love Your Life, Not Theirs, I talk about giving a little, until you can give a lot. You wanna start that habit early on, because money is like a magnifying glass. It makes you more of what you already are. So if you're a jerk, and you win financially and you get a lot of money, you're gonna just be a huge jerk. But if you're the opposite of that, and you are a giver, and you're selfless, and you help people, that is what's gonna be magnified when you get more money. John D. Rockefeller has one of my favorite quotes of all time. He said, I never would have been able to tithe, which is giving 10% of your money away. I never would have been able to to tithe the first million dollars I ever made if I did not tithe my first salary, which was $1.50 a week. And I love that. So you guys, start where you are. Make this a habit in your life. Again, give a little, until you can give a lot. And there's a lot that you can give, right? You can give your money, like we've been talking about. You can give your time. I know for me, one of the biggest gifts as a new mom was having friends and family come over and they would make meals, and then some of my friends would come and they would just, like, hold Amelia or Caroline, and I would go take a nap. Like, it's just, there's just something about people giving their time, because time is, I would say, even more precious than money these days. And for people to be there, or to volunteer somewhere. I mean, giving your time, it's very difficult, especially if you're in a busy season, but the outcome of what you're gonna receive in that is just immense. You can also give your talents. I've had some really cool opportunities to see my friends to this. Like, one of them is a photographer. And she took Christmas pictures with families that were underprivileged, like they didn't have a lot of money to go, you know, buy this package for a photographer to get a Christmas card, and she went and did it for free for two full days. I have another friend who's a hair and makeup artist, and she would go into homeless shelters three times a year and give makeovers to the women there. I'm like, that is just so cool, having that talent that you have, and be able to give that away. And, another thing that I personally love about giving, is that it can be creative, right? You can really think outside the box. And when you find something that is in your heart that you love, whether it's a cause or something around the world that you just feel this like, ah, this need for, dig into that. Seriously, Google it, figure out, like, whether it's building wells in Africa, or, you know, fostering kids, or sex trafficking. Like, all these things going on in our world, and able to partner with organizations and help fund that with your money, but also your time, is one of the greatest gifts ever. It is so, so fun you guys. But I have tell you, I had one of my all time favorite giving stories actually happen to me when I was a teenager. My parents, they are huge supporters of a ministry called Mercy Ministries. They have homes all over the world for girls, teenage girls, who are struggling in life, whether it's they've been kicked out of their homes, they have eating disorders, they had an unplanned pregnancy, some really, really sad, hard situations. So they get in this program, they live in this home, and they get counseling, they get what they needed to walk through that season. And I remember being, gosh, I was probably 13, my sister was 16, 'cause Denise was just driving at the time. And I remember Dad came in on a Saturday morning, we were watching TV, and he was like, all right girls, you're gonna do something a little different today, but you're gonna do it. Which means in the Ramsey household when the parent says you're gonna do it, you're gonna do it There's like, no debating. And we were like, okay what? And he gave us this envelope full of cash. Full of cash, I don't even know how much it was, as a 13-year-old it was probably, like, a million dollars in my head. But I was like, oh my gosh, that's so much money. And he was like, okay I want you to go down to Mercy Ministries 'cause they had a home in Nashville. And he said, I've called ahead, and there's two girls waiting on you. And you're gonna go pick them up, you're gonna take 'em to the mall, and you're gonna buy 'em new clothes. And Denise and I were like, What? Dad, that's weird. Like, we really did. We were like, oh, gosh! I wish I could say we were angels and we're like, yes of course, we'd love to volunteer our Saturday, Father. That sounds fantastic. But we were like, wait no, we were gonna go to the mall. Or like, you know, that's we don't know these girls. Like, it was, like, kind of this awkward conversation of, like, we don't really wanna do it. And he made us do it. He was like, go! And so we're driving there with Denise and Denise was like Rachel, it's gonna be fun. They really need this, and it gonna be great. And I remember thinking, you're right, you're right. So we kind of got our attitudes in check and our hearts in place. And we went and we picked up these two girls and they were both 15 years old. They were a little bit older than me, a little younger than Denise at the time. And I remember that Saturday, I'll never forget it, I really won't because we started chatting in the car, we were talking about boys, we were talking about movies, we got to the mall, and it was like we got to give these little mini makeovers. Like, I remember we were running through the store grabbing shirts, they're in the dressing room, we were giving them stuff, getting sizes, and we bought them all these new clothes and we were up at the cash register and one of them just started crying. She was like, I just cannot believe this is my life. And I cannot believe this is what it was. And it was so impactful, because number one, it opened my eyes and to have an experience that wasn't comfortable, it wasn't extremely, oh this is a very natural thing for me at the time. But as you got to, as we got to know them, it was like, yes, this is, it's incredible. And so I think about that story. I've had really cool giving experiences since then, but that one specifically I loved it, because what mom and dad is, is they took really their resources, it was their money, and then they made us take our time. And it was such a creative way to do it. And it really took us where we were in life and expanded our world. And so find those things in your life, whether it's with your family, with your kids, with your spouse, but find the things in life that you are passionate about and find ways to give. Because again you guys, giving changes you. It impacts you in a deeper way than you could ever, ever imagine. And I want you to experience that. So again, no matter where you are, give a little until you can give a lot. Alright next up, I'm gonna give you guys 10 different ways that you can start giving with your family.

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- Hey guys, George Kamel here in downtown Nashville to find stories of generosity and giving back this holiday season. Let's go talk to some people. Tell me how are you giving back this holiday season?

- We adopt a family. We bring them Christmas dinner.

- We do a lot of stuff with Habitat for Humanity. We just got done building a house.

- I coordinate and organize a Christmas Cookie Bake Sale and then we use the money to donate to a local ministry or charity.

- Alright what I love about this top 10 list it's all things that you can do with your family. So, number one, sponsor a family every year. Find a family in need and let your kids pick out gifts for them if they have other kids. Number two, donate toys and clothes. This is a great way to minimize the clutter in your house parents, so have your kids actually give away some of their toys. We did this with Amelia, it was fantastic. Number three, Elf on the Shelf. I love this, the Elf can actually bring a note of encouragement for acts of kindness for your kids. So, little elf comes with a note, I love it. Number four, send Christmas cards to people in the military thanking them for their service. Number five, choose a day to actually serve each other inside your home. Number six, leave a note on a stranger's car encouraging them to have a good day. I think that's fun. Number seven, deliver cards and cookies to a nursing home. Number eight, donate canned goods to a food pantry. Number nine, take your kids to the dollar store, and you can just give 'em a couple of bucks, and they can go actually pick out presents for their siblings. And for number 10, I want to know your ideas below. So, I'm gonna be giving away something really fun to three of you who comment below. So, find out later what that fun something will be. So coming up next, I'm gonna talk to a couple who's been giving back for years. They have been coordinating our Financial Peace University classes for a while now, Financial Peace University is our proven program that will teach you how to never worry about money again. And the reason why they started coordinating classes is because how it affected their lives. So they want to actually give back to others. So let's hear more about their story.

- We had to shut the business down in 2011. We suddenly in one week just went to a situation where that we didn't know where our next income was gonna come from. There were a sequence of events that happened. One of 'em was a financial crisis at the bank. We didn't have the money. We just, we didn't have it. We had finally got the point, we just didn't have it. We had bought a business in 2002 after moving to Chicago. Actually done quite well in the first four and a half years. But then shortly after that, we got into a partnership and that partnership just fell apart and within a year. We were spending all of our time, all of our resources, all of our energy in the business. We were giving it everything we had to keep it going. It was to a point where that we had no idea that we were gonna shut the business down, really going up until that week we shut the business down. And then Sunday night, we had to call all the employees and it was a very tearful night. And it was, there was a lot of, we were unemploying people as well as ourselves. At that point, you can't even see what's on the other side. You can only see the hole that you're in. Two gentlemen came into our lives during that summer. And the one of the, the second one of the two, actually was the one that invited us to the church. A few weeks later, the church actually.

- They were advertising that the class was gonna start.

- And so we're, oh, well we need that 'cause now the business is closed, we're unemployed. And we need, we're in crisis mode. And then we took the class and had two amazing leaders who walked with us through some pretty major decisions that we had to make. When we let that go for the first time and said the business has to go, the peace that defies all understanding which is only describable once you feel it, descended on us.

- And I remember very distinctly, me and Cindy, we were sitting in the car of a parking lot, in the parking lot for dinner, and she said, this is gonna get used somehow. And it was just a passing statement. It wasn't a plan. It wasn't something rather that we foresaw. It was just a statement that she had made. But immediately as soon as that class was over, it was like we need, we wanna be a coordinator. We wanna a facilitator. And so we just got into the next class, the very next semester, been doing it ever since.

- Give it a hoot, 'cause y'all gonna be debt free.

- Well, I'm so thankful you guys are here on the show because of this whole episode talking about giving. You guys are giving in such a unique way by being Financial Peace University Coordinators, so I love just like getting to sit down and talk to you guys about that 'cause it's been seven years? Is that right?

- Yeah, time flies.

- Yes, I know, I know, so. And how many classes total?

- I think we kind of lost track, 16, 17, something like that.

- 17 classes. So you have like story after story of like families and situations, going through, people going through their journeys, and you get a front row seat, is what we like to say into that. So I wanna know, first and foremost, what even caused you to start to coordinate classes?

- It was, it was kind of one of those things where, that it just felt very natural. There was an invitation from leadership and that invitation, we just, we just kind of just jumped on it. Some of the reason we do it, is that it does keep us accountable to the process, and it's ever changing. We've gone through some life changes moving here to Nashville, so.

- Yeah so what is your, what's your favorite part about being a Financial Peace University Coordinator?

- The hope. So many people come and whether they're in crisis or not, there's a point at, it is different for everyone, at which they go through the process, that the light bulb of hope comes on and for me it's always like seeing the sun after a really bad storm. It just lights up the room and it lights up them, and, and we get to share in that. It's not anything that we did. We just walked through it with them. We didn't have to guide them anywhere, we just just walk with 'em and then they share that hope with us.

- So for you guys, as you're sitting back and you're looking back after years of classes, is there that one couple or that one person in your mind that you always think about when you say, okay, we're gonna recommit and teach another Financial Peace University class 'cause there's that one, that one person, that one couple in your mind?

- There was a particular group that we had and it seemed like it was all single mothers or people that were going, there was a lady that was going through divorce, and there was just some difficulty. And about week three, four, all of a sudden this guy was gonna have to move out the house and everybody in the group collectively, at some point, over about a two or three day period, and just showed up and helped him move. And stuff like that, it just blows you away.

- It's amazing. So when you're coordinating something like Financial Peace University, there are some intimidating topics, right. I mean you're talking about everything from paying off debt, to insurance, to buying a home, and mortgages, all of it. And having coordinators like you all to walk people through those. 'Cause to be a coordinator you don't have to have a PhD, and have a master's degree, and all of these things by any means, but you're able to help people walk through. Okay, this is what this means, and you're giving the tools, I know equipped to help that, as a coordinator.

- A lot of it is just listening. Sometimes, people have an emotional issue. They don't feel that they can do something. Something is too big, so they just need to talk it out and once they talk it out, then now it's small.

- Yes, totally, the big scary thing ends up being, oh, it's just this. Once it's verbalized and there's a plan in place. All of that, yeah.

- And one of our favorite things to do is kind of around, week two or three, Mike will ask if you're out of debt, what could you do today that you are not doing? In what way, could you serve?

- I love that, 'cause it totally hones in on the point that debts a thief, right? It steals your monies. You're not financially able to do things, but it steals your time. It steals your emotional capacity and when that, when you're out of that, there's so many factors other than just money that come into play. And I love that you paint that picture. That's such a great question to ask, right? You live like no one else, later you get to live and give like no one else. And you guys are the perfect example of that, seriously. You're incredible coordinators, you've walked with so many families, so from my heart to yours, again just thank you. Thank you so much.

- We thank you for the class. It's been wonderful for our own life, but yeah, we get to meet a whole lot of really cool people.

- Yes, so you guys, what you're gonna realize is once you start to get control over your money, every other area of your life starts to be transformed. I mean I've seen it time and time again. And one thing that Financial Peace University will teach you is about life insurance. Again, kind of an intimidating topic, but something that you need to know about. Because it might feel weird to talk about life insurance, but everyone needs it, so that you have the peace of mind, that comes with knowing your family is taken care of. You're gonna need 10 to 12 times your income, with a 15 to 20 year term policy or if you already have life insurance, then you should reevaluate to see if you can save money. Trust me it is worth getting an updated quote. Winston and I use Zander Insurance, because they make it so easy. They will shop around, to make sure you're getting the best rates possible. And then reshopping, like we talked about, all your insurance options, will create extra margin in your budget, trust me. So, go to zander.com or click the link below. Alright coming up next is someone who is really passionate about giving and has given back in some really unique ways that are sure to inspire you.

- Lisa how are you giving back this holiday season?

- Panama City was devastated by a hurricane and we are sending supplies and most especially toys and things for kids this year.

- We started a shoe drive.

- We go to a homeless shelter at our hometown. We actually get more from them, I think, than they get from us. We get to hear their story and sometimes we can give 'em a little hope of our own.

- Alright I'm so excited about the next guest on the show. You are here, Amy Brown.

- Hi

- Ah, thank you for being on.

- No, thank you for having me. It's awesome. I've already told so many people, I was like I'm gonna go be on the Rachel Cruze show. They're like shut up. And I have a list of questions about, no, I'm just kidding.

- Yeah, yeah, we'll talk money, we'll talk all the things.

- To all the things, yes.

- Oh okay, so you came to mind as we were doing this whole episode on giving because I listen to you on the radio every morning on my way home, or my way to work. Amy is one of the hosts of The Bobby Bones Show, so people aren't familiar with that whole thing explain kind of what that show is.

- Well, we are a syndicated country morning show, based here in Nashville and we're heard all over the place.

- Tell me, how many stations, do you guys have now?

- 110 or something, I don't know. It could be more. I really try like not think about it because it's just gets intimidating.

- Oh yeah, oh yeah. So, the two organizations that you've started. Kind of these movements that I love.

- Well not, it's not me, I know I'm here representing it, but the #PIMPINJOY movement started on our show which Bobby even came up with the hash tag. But #PIMPINJOY came from my mom's cancer journey. My mom was diagnosed with cancer and she made it her motto from the beginning, like I'm going to choose joy. Like this is, and she knew where her joy came from, and that was from the Lord and she knew it was a choice. And he would help her, but not everyday was like super joyful, don't get me wrong. And if you've been through cancer, you know it's not. But that was our overall theme and attitude. So my sister and I adopted it with her. We got joy tattooed on our wrist in her handwriting and from that we were encouraging others to choose joy, spread joy, be joy and then Bobby was like, we need a way to track this online, so let's use the #PIMPINJOY. And then it just, it took off. And so from that, we started to think, oh wow, maybe we can come up with a #PIMPINJOY line, so we did a simple black hat with a #PIMPINJOY and my mom actually got to see the prototype two weeks before she passed away. But she gave her stamp of approval. She was about 90 pounds at that time, and kind of, at the house always in pajamas, and she was, I've got the cutest picture of her that I'll always cherish and she has on the #PIMPINJOY hat with her leopard pajamas and she's kind of just in it. And she looks so frail, and, but it's one of my favorite pictures of her, because what she doesn't know and she didn't live to see is we weren't, that picture was probably taken early October and then she passed away October 27th and then we put the first hat up for sale, November 2nd. And the first round, we sold out in 60 seconds and all the money went to St. Jude. And then a week later, we made anther batch of hats. Sold out again in 60 seconds. All to St. Jude. And so they were like, okay wow, this is crazy, we might be on to something. Our listeners, they're with us, they're passionate, they wanna give back.

- Okay, so you guys, be on the lookout.

- Oh yeah, this is our brand new-

- I know this is fun.

- Our fun little beanie. Every Christmas, we'll put out like a different beanie and it's going to our medical fund. So, that means sometimes it might be St. Jude or sometimes it might a listener that we hear about. And so, we get to do fun stuff like that too where we hear of stories and we have, we have the bucket that we can dip into, and then we're just able to like send a check. And it's crazy, and it gives me all the feels, because my mom, she worked hard, she was a single mom, works everyday, like left as a giver. Like left us with everything. You and your dad would be proud. Everything paid off, as a, and she didn't, that wasn't easy for her. But she made a choice to do that, so where when she died we were able to give her car to another single mom that needed a car, because it's not like we had to worry about payments or anything. And so she would freak out to know that to this day, we're like about the hit the two million dollar amount.

- I was gonna ask, two million dollars just through #PIMPINJOY.

- Yeah, just through #PIMPINJOY. Like, it's like, I don't know the exact number, but we're, if you round up a little bit, we're close to there.

- Yeah, it's amazing.

- And all because of her one decision, when she was given cancer, and her battle was not pretty. But she maintained that positive attitude and yeah, she went. Like, I think her fourth diagnosis, we went straight to the chapel. And her prayer was, it wasn't Lord like heal me from this, which I think probably, I'm like gosh that's what I'd be praying for. But I think at that point, she was just like okay, this is fourth time, like, she was like Lord, just find a way to use this cancer for good. So for me, every time I see a #PIMPINJOY item, I'm like that's an answer to my mom's prayer, because that money was used to go do something good. So, sometimes when even I get reminded what it's really about, I'm like okay this is actually pretty cool. And special.

- And she gets to see it now, right.

- Right, yes.

- Like she is in Heaven.

- She is, she is seeing it and knows, but like if she were here she would be freaking out, like, what?

- What is happening? Yes, because what's incredible about, I think that entire story is obviously your mom and her choice to choosing joy, which I love that. And then the fact, I mean, you took all of that, that she was embodying and going like so creative and so many steps forward of doing things like this to keep, continue to pass it on, right? Like, that's amazing.

- And it's been great. And The Bobby Bones Show, having that platform and to get that message out there and our listeners being so responsive and amazing has been awesome. And then Mary with The Shop Forward has been great and then through that under her umbrella is how we got this Espwa brand.

- Yes tell me about that, we have two seconds.

- Which is what we use to support Haiti.

- So these bags, I'm like literally obsessed with.

- Oh, the four things totes, yeah. So this one was customized just for you.

- You guys, so get ready. For The Rachel Cruze Show audience, okay look. Here we go. We got budgeting, free spirit, 'cause I'm a free spirit, baby steps, and love your life. You guys, it's like The Rachel Cruze show tote. I can't believe it. So we're going to keep spreading the joy to three of you. So we're actually going to be giving away, three of these. I selfishly want one of them. But I, I will give it, I will give it away. No, I just think they're absolutely adorable, so we said earlier in the show that you could comment below on one of the ways that you and your family give. Remember the 10 things for you guys to comment, well, we're gonna choose three of you that are commenting below to win one of these cute totes. They're adorable.

- And you can feel good. I mean they're adorable, I love hearing it. It's a conversation starter. That's what I love. It's so many people walk up to me and they're like, wait, what's this on your tote?

- Mine has Enneagram, beach-

- Oh, chai lattes.

- Yeah, chai lattes and cocktails. Yeah, but it's true.

- I mean, they're super cute but then also you can feel good about carrying them, knowing that they go towards supporting Haiti.

- So when you buy it. So when you purchase these bags, where they go.

- Espwa is the line that it's under, e, s, p, w, a, which that means hope in Haitian Creole, which is what my children speak. I adopted. I do have two kids. They're from Haiti and--

- How was that? How was that process for you guys?

- Haiti is difficult 'cause we entered when the country was going through some law changes and it took us five years. So it was sort of quite the journey and yeah, taxing, emotionally, financially, all the things. But you're like, you get locked in on these are my kids. It was like I knew their face. I knew their name. I went to the orphanage five times a year to see them and every time it was harder and harder to leave them 'cause I didn't know. I was like I can't say next time I come see you. Like we would pull back up to the orphanage and my son would just start screaming like he didn't want to go back in and I was like okay, like only a few more trips. And then I think, even after that, it took another year. So right now we're working with My Life Speaks which is a special needs orphanage in Napoli Haiti. They do family care. So it's like the orphans are put into little little homes. Like only four or five kids per home. So it's, they're doing, I mean 'cause when you're special needs, you have a lot of things that need to be attended to.

- So giving on that element, I would say as a mom, like it is so much more of a giving and a serving than I ever thought, ever. Like in my whole life.

- You're now trying to raise little people to be like respectable members of society.

- Yes totally. And so and I think there's even a step further that you guys have done with giving because you're not only providing a home for children, children that would not have that, but the time and the money that it puts in through that process is just like, it's so admirable. It really is, so when you buy the bags, you guys, again it goes to incredible, incredible cause. And necklaces, right?

- Oh and this we just started the necklaces.

- And you're like, did I break it? And I'm like yes. I wanna see.

- Oh yes. I know all the things, so this is called our star necklace which we're super pumped about. This is has a local and a global impact because it's made locally here, handmade through a company called, Able. Which offers economic opportunity to women that are transitioning out of the homeless lifestyle. This provides work for them and then, it, we give to Haiti through it, so it's got local and global.

- Okay, so this whole episode we're talking about giving, I know I've said that a thousand times, but you're like the queen of giving through everything that you've done and all the incredible opportunities, so I just wanna know, on a personal level for you, when you look at your life and all the things you're involved in besides obviously like kids and family and work, but like this specifically, like what emotions do you get when you think through, okay all these people that are getting helped? Like how do you feel about all of this?

- I'm thankful for the opportunity. I'm grateful, like I'm also faking it until I make it sometimes.

- Oh, totally.

- I have that feeling-

- So when you--

- I feel like what, how, why am I doing, like I don't know what I'm doing. Like I need to just stop this.

- Like we all do.

- Like pump the brakes. So I have all those feelings, but then also, the raditude part like I wanna recognize like wow, I mean this is really, really cool. And I feel a lot of thankfulness for people that trust us. Like Bobby and Mary, and I, when we make decisions on who to donate to.

- That's good.

- Like we vet. We don't just like pick something, they're fully vetted, 'cause we wanna make sure that you know we're not just giving money.

- Which I think, is such, that's such a good point. Because even on a personal of you guys, as you're giving, like that's something, my husband and I have taken on, like we take our giving almost as seriously as our investments and how much you dig in to your investment part of your life and where you're money is going there. Giving is the exact same way. So like when you're giving to these organizations, dig in. Like things are on their website, you can check out like their tax records, you can check out their budgets, especially if they are a 501, so do that, and so look to see what are these compan, what are these companies, what are these organizations, what are they doing? Because it is, it's so key. Don't just flippantly give, because sometimes your money isn't being used in the proper way, so being very intentional. So I love, I love that point. I think that's so good and the organizations that you guys partner with are just amazing. Where can everyone, 'cause everyone's probably going, okay I wanna tote, I want a hat--

- The best place to go is theshopforward.com and the best way to remember it is everything you're shopping for pays it forward.

- Okay guys make sure to check it out and check out everything that Amy's doing. Where can everyone find you?

- Oh, on Instagram, I'm @radioamy.

- Okay check you out on Instagram and then how will they find the show?

- Oh, bobbybones.com.

- Love it. Amy thanks for being on.

- Yeah, thank you for having me.

- Seriously and all the amazing stuff you're doing and how you're giving back and the joy that you have. Which is so appreciated. So thanks for coming on.

- Thank you.

- Alright guys, it is time for She Works Hard Saving Money and it's a fun special addition, because both of these quotes came from people going through the 14 day money finder. And this came on a day when we challenged people to give back. Angela said, when I saw this I asked, huh? I'm literally down to my last dollar until payday. However I have been blessed beyond more than I can deserve in material things. A young single mother and her child recently moved to our town and have nothing, not even money. The mother is dying of cancer and has not yet been approved for benefits. The family has been setting up their new apartment and have nothing. I was able to give them a rug, some wall art, candles, and a small cleaning set, paper towels, Windex, etc. It was small, but it made me feel great. I will continue to pray for opportunities like this. That's amazing Angela. That's not small girl. You're like were big. That's so fun. Stephanie said, purchased a $5 Starbucks gift card and wrote a note with it that said, random acts of kindness for you. Oh so fun you guys. Okay with the 14 day money finder, people are finding on average $2,000 throughout the year going through this fun two week series. Now if you've been inspired by Angela and Stephanie, and you wanna learn more, make sure you click the link below. What a fun episode. I love talking about giving. I love encouraging you guys to give and I can't wait to see how giving changes your life. So I wanna say thank you so much for Amy Brown for being on and all the amazing things that she's doing. And for our great FPU coordinators, and the time that they're giving back into their community. Absolutely fantastic. And thank you guys, for watching. And remember, to take control of your money and create a life you love.