Episode 22

Lies People Believe About Getting Out of Debt


Transcript

- Getting out of debt is possible! And I'm here to tell you that you can love your life while doing it. Alright, when you hear the words debt free, what do you think? Some of you are thinking that's impossible! That can happen to other people, that can not happen to me. Some of you are like, oh no, it's happenin'! I'm doing it, I'm on the debt free journey and it's going to happen! Some of you are sitting there and be like it is 100% possible because I am debt free but here is the deal, no matter which camp you're in, it is a counter-cultural way of thinking of living debt free. Living without debt, not ever going into debt. That is so weird! But here's the deal, many of you guys watching probably have debt and in order to get out it is going to take a lot of work because you can wander your way into debt you can not wander your way out. It is going to take sacrifice, it's going to take discipline, but it is possible and it is so worth it to have no payments and to be debt free. But while you're on this journey, you're going to hear some lies out there like yeah, you can not get a nice used car, it's just not out there. You're also going to hear, you can not have any fun while you're getting out of debt. It's a miserable life you're going to be in! You're also going to hear, there's no way that you can eat healthy without spending a lot of money and going into debt for it. There's just no way! There's no way you can eat healthy. But listen, we're gonna bust all of those myths and we're gonna bring a couple on who's in the middle of their debt free journey and they are having a lot of fun. Trust me, you'll see. And I'm also going to bring on my friend and dietician Jenna Waters to help us learn how to grocery shop and eat healthy on a tight budget. Now one common thing I do hear from people a lot is that they really believe that everyone else, their friends, their family, they have it all together and that they are the only ones who are stressed and struggling with money, which is a lie. Last year I was at a speaking event in a book signing line and this girl came up and I was signing her book, Love Your Life Not Theirs and she was like Rachel I can't wait to dive into this but I have to tell you, I'm living paycheck to paycheck. And I looked at her and I gave her the biggest hug in the world and I was like girlfriend, listen that's not gonna be your story soon because you're gonna learn to budget, you're gonna get out of debt. It's not gonna be you forever. But you're like majority of people, why are you whispering? It's okay. It's okay to claim where you're at because you're about to change. 'Cause majority of people, they don't have it all together you guys. The Jones' are broke! 78% of Americans live paycheck to paycheck. The average family in America has $15,000. On average, more baby boomers are still paying off their student loans than millennials. This is normal. The average car payment in America, close to $500! This is where people are living. That is normal but you my friends, you are going to be weird. You're gonna start down this debt free journey, you're gonna look different than everyone else, but that's okay. You don't have to believe the lies that your life can not be enjoyable while you're getting out of debt because it can be and that's what this show is going to be all about. Alright, coming up next, we're going to debunk the lie that you can't have a nice used car. Feeling safe at home for me is a top priority. Especially since having kids, it's always on the forefront of my mind. SimpliSafe home security has given me the peace of mind that no matter where I am, the things most precious to me are safe. SimpliSafe is a smart and affordable way to secure your home and protect your family. There are no contracts or long-term commitments and you can even customize it for your home specifically. And guys, it is so easy to install. You can do it yourself, and have your whole house set-up within an hour! And Winston's favorite feature is checking it on our phones while we're on the go. Start monitoring your home around the clock with SimpliSafe for just under $15 a month! Go to SimpliSafe.com/Rachel right now to get peace of mind without breaking the bank. Alright, the myth out there that I hear all the time, I can't buy a nice used car for my family. I also hear people say, I can't buy an affordable, safe car. I have to have a safe car for my family. Listen people! You can buy a nice, used car! I am telling you that, actually the Lexus SUV I drive is 10 years old and it's beautiful! She's gorgeous, trust me, okay! You can buy a nice used car. A lot of people say oh well you just have to spend tens of thousands of dollars! Trust me, I have seen plenty of nice, even luxury brand cars if that's what you're looking for. Please do not buy into the lie that you have to go buy a brand new car. No! There are plenty of people who have had nice used luxury brand cars again, that they pay for cash. Just go on Facebook Marketplace, or Craigslist, or take a look at a few of these cars that we found! Yeah, these great cars, guys, it can be done. And maybe you're currently negotiating for a great used car! Well, if that's the case, click the link below for a video to show you how to do it. Alright, let's break down the idea that you can not buy a safe car that is affordable. People, our safety meter's gone a little crazy these days can we just say that? I want you to go ask your parent how they drove around when they were kids. This is probably not a great example to use out there but I remember going to my grandmother's house and we used to have this huge, blue van and my sister and I would sit in the floor boards with our big bins of Barbies and we would sit there and play all the way to my grandmother's house! Now, I don't recommend that but I feel like people believe now you have to have like 18,000 airbags and like 16 buckles for your kids and their car seat so listen, your car is going to be safe. Unless you buy one that's made before 1978 or something. Everything is going to be okay. You do not have to go buy a brand new, luxury SUV the moment you have a baby, okay? We're all gonna be good. Listen, here's a top five list of the safest and most reliable cars that you can buy for under $5000. Ready? A Honda Civic, great car. Honda Accord, love it! Toyota Camry, mmhmm. Toyota Corolla, yes and Toyota Avalon! Toyota man, my jam! I love Toyotas! They're the best and they last forever people! I don't get commissions on Toyota sales but I love it. I really do. Okay so now here are some examples of ads that we found on Craigslist and Facebook Marketplace. Here's a 2003 Toyota Camry, here's a 2005 Honda Accord, and you know what? I bet you can talk 'em down to $4000 if you had cash. That's right. Okay guys, that just took us an hour to find these cars. You can actually take time and research and these sites are constantly updating so you can find a great car. Now keeping our family safe is very important when you shop for cars and is just as important to keep your family safe at home. It's another misconception that home security has to break the bank. SimpliSafe starts at just $15 a month and there's no contracts, there's no long-term commitments, you can customize it for your home and get exactly what you need for your family. I'm telling you it is so easy to set-up and you'll have it up and running in no time. Winston and I love the fact that it's easy to monitor on our phones while we're out on the go. It's one of the best investments that you can make in keeping your family safe. And we all like to save money right? Having an alarm system can actually save you as much as 20% on your home owner's insurance in a year. So, to start protecting your home and your family, head to SimpliSafe.com/Rachel. Alright, coming up next I'm going to debunk the lie that you can't have fun while getting out of debt. I'm going to introduce to you a couple who is having so much fun while paying off their debt so check out their story.

- I was just living a life that was just, you could just feel the weight of the world on my shoulders. I just started getting fed up with the way things were.

- We just didn't feel like we had any freedom and I also didn't really know where was, we have this money, where is it going?

- We were trying to get to a place in life where we can breathe!

- Our church, they just put up on the screens hey we're doing Financial Peace University!

- We just looked at each other and was like hey, we just gotta do it. It was almost as a matter of fact! It was something about the word Financial and Peace it was perfectly named, it really was because I wasn't having peace, our finances weren't, there was nothing peaceful about it.

- And even though it was hard coming to terms with okay we need to make some really big changes here, it felt hard,

- But we were up for it. We were like man, 'cause what we were doing was just not working. Once we got through Financial Peace, we immediately, the BMW had to go, the motorcycle had to go.

- If we hadn't used it in the last month, we're selling it. And we did.

- We started just paying everything off, snowballing. As I that was happening, you could feel the freedom.

- Oh it felt amazing! It still feels amazing!

- It still feels pretty good! Watching Dave's YouTube channel and you're constantly seeing people screaming their necks off like I'm out! I'm free! Debt Free!

- Yeah, we wanna be those people!

- We wanna be those people so desperately! There's a sacrifice in the beginning that you have to make.

- But the thing was is that our goal, we didn't wanna go back to where we were. So making that sacrifice with that short amount of time was completely worth it. This is our new excitement in life. You know, the cars and the stuff and all that that was fun but this is more filling because

- This is better than that!

- we're achieving something phenomenal.

- Yeah, we're on Baby Step 2 so there's still a journey to go but man, we're not where we used to be!

- Well thank you guys so much for coming in.

- [Both] Of course!

- Your story I love so much so to kinda jump right in you guys are currently on,

- Baby Step number 2.

- Yes, yes we are!

- Okay so take me a little bit before the journey.

- Now I was just literally remember being every time we swiped the card, the pressure it was like a knife. I'm like I'm not sure we be swiping this card.

- And how did we get here? How did we get in this position with all this debt and we don't know what to do?

- Yeah, so how much debt did you guys have?

- So we had about $92,000 in debt after all this,

- And what was it? Was it credit cards, student loans, what was everything?

- Oh it was credit cards, student loans, we had a,

- Cars.

- Cars, motorcycles, I mean we was just, you know?

- So everything you just listed to me, you're like cars, credit card debt which is probably a lot of stuff. Motorcycle, everything from the outside looking in, just looking at you guys, you guys probably are like, looked like you had it altogether though! You probably had some great stuff! Did you look good to people that didn't know the money situation?

- We looked normal.

- We looked like all of our neighbors. But we didn't realize how bad we were in debt until we sat down and we listed everything. And I cried, I was like,

- And then you think you're doing good 'cause you every couple of weeks you pull out a pencil and paper and you writing down numbers to make sure you can pay the bills but paying the bills, that's just not enough to pay the bills. You're status quo, you're not getting anywhere.

- Yes, so you guys got to a point with your money that you're like okay, we're just like piecing things together, we're trying to pay the bills, we're starting to feel the pressure, we're feeling the stress, what was the moment that you said, we have to change and do something different?

- Well, I think,

- It was the church.

- There was our church. It definitely was our church because you know, you walk in there just feeling like

- Heavy. heavy hearted.

- You're praying that God comes and reveals Himself that Sunday physically to pull us out of our situation.

- Which He did.

- Which He did!

- It came up on the screen, hey we're doing our next course of Financial Peace University, and at the end of it--

- Are y'all nudging each other?

- Well Jeremy was like, babe,

- [Both] Financial Peace!

- It was just like the perfect word. Financial

- [Both] Peace.

- Put them together!

- They don't go together but they should.

- Yeah, they should go together because it is. We're like, alright let's sign up and we did.

- And we did.

- We got in there and I was a little bit apprehensive 'cause I always thought I was a good budgeter.

- Yes. So what did budgeting look like for you when you thought I'm a good budgeter, what did that mean?

- It was write down my bills, what had to go add, what's left and how do I allocate that money. And that's easy to do when you're single, and you're young, you don't pay rent.

- During Financial Peace University what were your big ah-ha moments of like oh wow, we can do this and oh we're doing it wrong. What were your thoughts?

- Ah-ha moments for me was we are sending other people all our money. Why don't we have any of that?

- It's Christmas for everybody else but us.

- You take some money! You take some money!

- Yeah it was tremendous it was first, the feeling of my God, why didn't I know this information sooner?

- Yeah.

- The weight of the gravity of that just hit me like my God, had I done this even a couple of years prior, a few years prior, what a game changer.

- Even before we bought our cars and the motorbike. Before we bought all that, we wouldn't have done it.

- But we fortunately had a great coach and he said hey, that was then, you know now.

- [Rachel] That's right.

- Yeah, exactly.

- We drew the line in the sand and said okay here's the game plan.

- And where are you guys at right now? How much have you paid off?

- Just about $70,000.

- You guys, seriously! You're way down the road!

- Yeah, we got rid of those big ticket items. That was,

- So you sold cars.

- Sold cars,

- Oh, got rid of the BMW,

- sold the motorbike,

- got the motorcycle

- [Rachel] But was it hard selling the cars? 'Cause we tell it for people we're like, if you can get it,

- We did the math and I think the cars was what we struggled on, the motorbike and the car was what we struggled on 'cause we had a beautiful BMW,

- We got caught up in the luxury and the lifestyle,

- And the Harley's fun and driving the Beamer's fun!

- You're going down the highway and all that stuff but then we did the math and the math became more attractive to us then the vehicles.

- Exactly.

- And that lifestyle that we were leading. We wanted a more enduring lifestyle, a more permanent situation.

- You guys are killing it! Seriously, you've made such progress and you've made the sacrifices! And we talk about when you go into debt, you can wander your way in, you can not wander your way out.

- No.

- Correct.

- You have to be intentional, you have to have sacrifice, so what has life looked like in Baby Step 2, have you had fun in Baby Step 2?

- Absolutely! Honestly, part of the fun is seeing that you're getting out of debt. Seeing the reality of I'm not straddled by that huge amount of debt. It's so close.

- It's exciting! We find that we're doing more now, then we were before. And it takes more planning, absolutely. But there are so many things you can do for free, there are so many ways you can get discounts. We're always online, hey let's sign-up for that email and we can get 20% off.

- Yes, that's right. You can't always be spontaneous but you get to do all this other free stuff. And it makes you get creative too. So what are the favorite things that you guys have done with the kids while in Baby Step 2?

- I think sometimes, Rosanna's really good about, we'll pack some lunches, so we'll go explore different parks.

- Yeah, we'll Google recreation centers,

- We'll go take pictures of the family. Just stuff that's building us, and hasn't cost us anything but,

- Gas!

- Gas.

- Which is in the budget!

- Which is in the budget, it's already pre-planned.

- There are ways, everyone's oh well don't you just want to go out and have coffee together? We've got KeepCups, we'll pack a hot coffee or a hot cup of tea with us and we drink it in the car instead of going through the Starbucks drive-through and spending $10 and then they want a snack so you buy a snack and it just goes up. Well hey, we packed great snacks and we packed great coffee that probably taste a little bit better than what we were gonna pay for.

- You're probably a great coffee maker.

- And we still have that experience of going out and eating out, we're just not giving other people our money.

- It's actually a better experience because one, something about being intentional enriches your experience for your family, 'cause you're thinking about your family. You're thinking about the experience you're gonna have. So when you're intentional, it just elevates your overall experience. We're another day closer to being 100% out.

- That's such a good point 'cause you know mentally that you're taking care of your family on a deeper level than before. You're setting them up for this incredible future so it's like when that foundation is laid, the immediate and the present is so much richer!

- It's fun, it's exciting! I know this might sound weird but at the end of the weekend, I love having money left over. That we budgeted the money, but we didn't spend it! And that's so exciting 'cause then we save that,

- Rosanna's been great using the app so that's been,

- I'm like wait, this gotta go in there, I need to put that in, everything's good!

- We got it!

- Yeah, for EveryDollar, do y'all love it?

- Every dollar!

- It saves our lives every day.

- Absolutely and I love, oh okay I've got this left, okay yeah, no I've paid that bill.

- It's very clear. Here it is. If she made a change, I'll put out my phone, okay cool, just checking making sure you're good. Okay cool we're good.

- So what would you say to someone, 'cause there's people watching right now and they're thinking, oh wow, they had $90,000+ in debt, they're getting out but they're doing it as a family, what would be your encouragement? What would you say to someone that is sitting here watching you guys?

- I would say stop. Stop thinking, just do it!

- Do the plan.

- Just do it! Put everything about your worries, oh I'm not gonna have this, I'm not gonna have that, don't worry. You can get it back. Just stop overthinking, go do Financial Peace.

- We wanna be the ones victorious. We wanna scream. That was getting on me so much! I was watching Dave's YouTube channel and everybody's screaming, I was like I wanna scream!

- I wanna scream I'm debt free! And you will, isn't that crazy? Yes, you're so close! After you come do your debt free scream, come back on the show,

- Yes!

- Absolutely!

- And I wanna hear all about it because if you're so happy now, I can not wait to see how excited you are--

- Yeah were gonna be screaming.

- Yeah, it's gonna be loud.

- Well seriously you guys are such an encouragement. For families watching, for people that don't think they can, or people that are in the middle of the journey, you guys are living it out but yet you are enjoying life and in a deeper, richer way than with BMWs and motorcycles on payments.

- Exactly, they may look fun but this is way funner.

- This is much better.

- Take a breath babe, take a breath.

- I can breathe better, I'm starting to breathe.

- Oh I love it! Okay guys, if you want this, seriously click the link below. Go to Financial Peace University, sign-up check it out because it is the proven plan amazing and you guys are living proof of it.

- Absolutely, we vouch for Dave Ramsey!

- Do it!

- Financial Peace!

- Uncle Dave, thank you Uncle Dave!

- Thank you guys so much for coming on. You guys were seriously fantastic. Alright coming up next is my friend and dietitian Jenna Waters. She's gonna show us how you can actually eat healthy without spending a crazy amount of money because it is possible. Guys, let's be real. Being a parent is hard work! Now that I have two daughters of my own, it feels like the to do list never ends. And as every parent knows, your priorities change and you have to make important decisions for your child's future. That's why term life insurance is a must for every parent! It's so easy to get and it's affordable. What you're looking for is 10 to 12 times your annual income to make sure everyone in your family's taken care of. Winston and I use Zander Insurance. They do all the work for you to find the best prices and options. So go to zander.com to get started on a quote today because that's who we trust to take care of our family. Well thanks for coming back Jenna!

- Thanks for having me again, it's fun to be back.

- Well back by popular demand you guys, she's here to give us all the secrets because there's a huge lie out there that you can not eat healthy on a budget. And so people getting out of debt, everyone's budgets are really tight and like well, I still can't eat healthy with my family.

- Sure.

- But that's a lie!

- It is and it's so easy to believe 'cause it seems like drive-through meals would be a whole lot cheaper 'cause they're not that expensive but then when we actually calculate it and look at the food,

- I know, so you were telling me about this! This is so fascinating to me!

- It is crazy! We did a little experiment so we went through the drive-through and got a kids meal, this kids meal was about $3.29 for a cheeseburger kids meal, french fries and then I made it at home so completely different ingredients. The ingredients are almost not comparable in terms of health so these are just oven-baked french fries with avocado oil. This is a grass-fed burger and a homemade sprouted grain roll. So this was $1.75 to make at home.

- Seriously, per serving?

- Yeah, so half the price and literally so much better nutritionally.

- Yeah, so much better for you. So great and you have such a great system in place so tell us about that, how families out there can eat healthy on a budget.

- Sure, so ultimately to eat at home we have to set-up rhythms otherwise it just gets so overwhelming. I mean, we've all been there. And so I say you have to plan, purchase, and prepare and that's a weekly rhythm. So choose a day to plan, choose a day to purchase, and choose a day to prepare.

- Now I do this Jenna. I'm a planner. I don't know about the rest of the two steps but I am, I am, I'm a planner!

- That's huge!

- So what do you recommend?

- And that makes all the difference. I often try to make something at the beginning of the week that I can use all the parts of again to maximize the budget, and then use in different ways throughout the week. So this is an example. This is just a whole chicken right here. And this is something that's super easy to put in something like the Instant Pot or the Crock Pot and then we'll eat that for dinner one night and then as soon as we take the meat off of it and eat that for dinner, then I'll throw the bones back in the Instant Pot with some carrots and celery and onion, just super quick and then I make homemade bone broth which is super nutrient dense. It has a lot of good collagen and good protein and gelatin in it and then you're using all the different parts of the food. And so you're maximizing that food to its fullest potential.

- I love that.

- And so being that the whole chicken is cheaper by the pound, also means that the chicken thighs, certain cuts of chicken are gonna be cheaper and that makes a huge difference so one of our favorite things to do during the week is a pulled BBQ chicken. I used to do it with chicken breasts, but then when I realized, hey we could save some money by doing chicken thighs, I tried chicken thighs and it's actually better 'cause it pulls so much easier, it makes a really juicier chicken meal and so that on top of sweet potato with some BBQ sauce--

- [Rachel] And then cilantro?

- [Jenna] Yes, it's just a yummy, it's so easy and just little tweaks makes huge difference.

- So good with the budget.

- So that's something a super simple transition. Same thing for beef. I find that meat is one of the most expensive categories. So we looked up a local farmer and he sells 100% grass-fed beef for $4.80 a pound and in the state of Tennessee, if you're buying directly from a farmer, you don't pay sales tax so you're automatically saving a percentage and that goes for a lot of different states. So that's almost half price for a better quality product, you're supporting local farmers and that's huge. It tastes so good too! Another category of where we can save money in the grocery store is dry products. So things like beans, flours, sometimes even spices and so that dry section of the grocery store that has all those big bins on the wall, I would always just walk by them and wonder who goes in that area?

- Who does that with all the beans?

- Yes, lots of bins of beans. But interestingly enough, if you look at black beans, these are organic black beans so a pound of those is $1.99 a pound from the bins, from the dry bins that you get yourself. Right and you usually weigh them but for the bagged beans, the same amount, one pound is $2.99 a pound. So you're paying literally a dollar extra for the bag. So just scoop your own beans.

- I literally do walk by and I'm like who goes to that beans, like they're all beans?

- Raw cashews, who does that?

- But they're saving money.

- They are. They know something that we don't know.

- And now you know guys.

- So then over here, we're going to go to the produce section.

- [Rachel] Fruits and vegetables.

- [Jenna] Fruits and veggies, right. And so one thing, this is super interesting. This is a container of pre-sliced apples. It's five bags of pre-sliced apples. The whole container's 11 ounces and it's $6.99.

- $7.00 for the apple.

- Yeah, exactly, just 'cause they've sliced it for you. But then a whole bag, a 3 pound bag or organic apples is $5.99. So you're getting almost triple the product, well quadruple really, for less of a price. Then we think about what produce, a lot of times when we think about health, we think about hey do I wanna buy organic, should I buy non-organic? Oftentimes, we wanna buy all organic 'cause we think it's healthier. And to a certain extent that's true but let's be wise about which ones we're buying organic. So there's a list released by the Environmental Working Group, it's called The Clean Fifteen or The Dirty Dozen. Things on The Dirty Dozen list are things like spinach and berries, celery, bell peppers--

- [Rachel] So get these organic? This is a good place to put your money if you're gonna buy organic, go there.

- Exactly and I find that even cheaper, because organic is obviously more expensive, a great way to do that is to buy frozen. Frozen blueberries, this is $2.99 a bag for 12 ounces whereas just this little container of organic blueberries is $5.99. And so it's again, almost triple the price for a third of them. And if you're putting it in a smoothie, it doesn't matter, right? And then on The Clean Fifteen list things like that have a thick skin like an avocado, you don't necessarily need to buy organic. So money saver there.

- [Rachel] Yeah, that's awesome.

- As far as the preparation category goes, I love to think about how we can use leftovers in a way at the end of the week where we're not wasting food. 'Cause inevitably when Saturday rolls around or the weekend rolls around, there's all this food in our fridge that if we don't do something with it, we're throwing it out.

- It's gonna go bad, yep.

- Every time we throw something out, I'm like oh my gosh that's like $10 in the garbage.

-Seriously!

- So I try to think about re-inventing leftovers. For example on one week we had leftover meat sauce that we did with a spaghetti squash. Leftover random piece of a bell pepper, some leftover salsa that really had to be eaten. Some taco seasoning and some leftover roasted sweet potatoes. So I through it into a soup with actually, the chicken broth that I made earlier in the week into a taco soup. So the last thing is treats. I say that the most expensive things for the week are meats and treats. Those are the things that drown us in the grocery store 'cause the kids are like, hey we need these random things and then we spend way too much money on random treats in the grocery store. And so these I just made, peanut butter cups are my weakness and so this is a base of almond flour, maple syrup, peanut butter just natural peanut butter, raw cocoa powder and coconut oil. Those are the only ingredients.

- That's amazing.

- And so you're getting much better ingredients and it's like pennies compared to what you would buy if you're buying a good quality treat at the grocery store.

- In the organic section.

- Exactly.

- You just like make it up--

- And it really doesn't take much time. I mean, in all of this there's the balance of what's the balance between cost and convenience? And so we all have to find our happy place but when it comes down to it, once we get in rhythms, it doesn't take so much time, it's just getting into the habit of doing them.

- So great, Jenna, you're brilliant, seriously! All of this is so good.

- It's fun.

- I'm not kidding. Thanks for coming and busting the myth that you can eat healthy and still save money and be on a budget and do all the things but still be wise with your nutrition.

- And it can be delicious.

- Should we just eat the soup Jenna?

- Can we just eat these right here?

- Or that too! Yeah that's better! Thanks so much for coming.

- Thank you Rachel.

- Jenna is so fantastic! Is she just not great? Make sure to check out her website jennawaters.com for more tips and all that she is doing. Alright, coming up next, favorite part of the show you guys, celebrating you all with she works hard saving money and this is a how you're having fun while getting out of debt addition! Jenn said, camping in the summer for birthdays and Christmas we request experiences. We are also having a blast downsizing and selling/donating our stuff. So awesome Jenn. The sacrifice but you're having fun. Amber said, library books and movies. And when we wanna go see a new movie, we wait 'til it comes out on Redbox and game nights! So see you guys, you can have a life and have fun while you're getting outta debt! It's not going to kill you. Alright, I have some very exciting news. I've been waiting to tell you this, seems like forever but this episode and future episodes are now available as a Podcast! That's right! Coming to the airwaves people, I can't wait! Subscribe to The Rachel Cruze Show Podcast and make sure to download this episode because the fun thing is you're going to hear a lot of things that we don't cover here on the show so a lot of new content, it's gonna be so great. Thanks so much to Rosanna and Jeremy for coming on and for Jenna for showing us some really great tips with our food. And thank you guys so much for watching. And remember to take control of your money and create a life you love.