Money for Tomorrow: How to Build and Protect Generational Wealth with Whitney Elkis-Hutten

Incorporate those type of notes into that purpose statement. It can be a video, it can be a written statement. But then you know again, just remember you can actively train. You don't have to wait until you're gone to start training the next generation.

Welcome to the Next Level Income show where it's our goal to take your income, your investments and your life to the next level. I'm your host, Chris Larsen. If you haven't yet, get a copy of our book for free at our website, Next Level Income.com. that's www.nextlevelincome.com. just click on the book link and I'll le and send you a copy if you put your address in. On today's show, I'm excited to have my friend Whitney Elkins Hutton, the director of Investor education@ passiveinvesting.com. she's also the founder of ashwealth.com and the author of the recent recently released book Money for Tomorrow, how to Build and Protect Generational wealth, published with bigger pockets. And she is also the co author of the international number one bestseller Resilient Women in Life and Business, the host of the Passive Investing Made Simple YouTube show and podcast, and a partner in over $800 million in real estate, including over 6500 residential units, 15 car washes, and more than 2200 self storage units across 11 states. She also has experienced flipping over $5 million in residential real estate. If you want to know how someone like Whitney and myself address the question of not only building but also protecting generational wealth to help your heirs and future generations continue to grow and be good stewards of money, you're going to want to stay tuned. Whitney, it's great to see you. Welcome to the show.

Thank you, Chris. I'm happy to be here.

Yeah, I'm happy, I'm happy for you to be here and I'm really excited for the topic. I'm really excited for you to share your new book with the audience as well. You know, it's, it's fun, it's exciting. It's kind of sexy to talk about investments and, you know, how to grow our money. But, you know, sometimes we don't spend enough time talking about, you know, the things that, that aren't, aren't as exciting to think about and sometimes uncomfortable. I was just talking about this topic with my wife this morning about her parents and, you know, estate planning and, you know, it's challenging to think about. Right. We don't like to think about our own mortality and maybe for me, it's A little. It's a little less challenging because I lost my father at a young age. So it's kind of just like a reality to me. But, you know, my wife was kind of, kind of reluctant to discuss that. So we're going to dive in, you know, really deep into the topic today about how to keep your money, but something that makes it a little more exciting, really, how to teach the next generation about how to continue to maintain and grow wealth. But before we do that, Whitney, I'd love for you to share a little bit about your background with our audience.

Yeah, absolutely. Well, so my name is Whitney Elkins Hutton. I'm the director of investor education@ passiveinvesting.com. i'm also the founder of Ashwell. Yay. There we go. If you guys are watching in life, splash the mug. Anyways, yeah, so really, I. Even though I am here educating people about wealth creation as well as, you know, passive investing in multifamily self storage, express car washes and real estate debt, I didn't start off there. That is not what I went to school for. I actually started off in medical school and then eventually public health school. And you know, really, I. I stumbled into completely by accident. I bought a house with significant other and about a year later or a month later actually, the relationship fell apart and I had a house. And so I thought this house was going to wreck me. I put it back together, it was all torn apart. 1960s total rehab project. Green shag carpet, psychedelic daisies. Yeah. Oh yeah. 2002. This thing was a beauty. And YouTube didn't exist back then, so I had to teach myself from a book and Home Depot classes and pay my friends and beer pizza to put this back together. And then that was really the foray for me into real estate because then I realized that the value I created in the world was unhooked from them. How much time that I had to spend at a day job.

I was like, yeah.

Oh yeah. Dang right? How many more times can I do this? Did it several more live and flips projects and then eventually scaled into single family real estate. When I was trying to figure out, like, how do people retire off of this? And then somebody told me one day, hey, why don't you keep one of those rentals and a renter into it? And I was like, that's brilliant. Why didn't I think of that? And guys, I went to school for epidemiology. So if you don't know what that is, it's like biostatistics, like it, you know, I had, I knew numbers, which.

Was really, it was really cool. During COVID for sure. Absolutely. Absolutely.

You need to stop looking at all the data sources. And I'm like, this is fine.

Yeah, we're both, we're both nerds in that way. Whitney, for sure.

Anyways, so. And then eventually skilled, you know, scaled 36 single family rentals, bought a multifamily building with partners, went into general partnership on 10 multifamily assets, raised on 29 passive deals. And then, you know, in the past few years, I've been, you know, doing what I love to do, which is educating people on how to create wealth for themselves and leverage real estate as an investment vehicle, specifically passively, because, you know, we only have so much time and attention available to ourselves. And I would say 99% of the people that are interested in real estate shouldn't never buy their own real estate. They should learn how to invest in other people's deals because you have a higher and better use in your job. You know, maybe you're a doctor, you're a lawyer, you're an engineer. You know, whatever it is like you have, if you have a passion someplace else, there's no need for you to learn how to go buy your own single family rental. You know, learn how to invest in other people's deals. And that's what I love doing here@ passiveinvesting.com and part of the premise in the book Money Tomorrow, how to build and protect generational wealth.

Yeah, no, I love that. And that's where we intersect because, you know, at next level income, we talk about how to make more money, how to keep more money and how to grow your money. And, you know, it's, it's amazing, you know, but a lot of people and a lot of our listeners, a lot of our investors, and if, if you're listening, you maybe start shaking your head. You know, you're like Whitney and I, where you've, you've created this wealth during your life. You're kind of first generation wealth. And then you say, well, wait a minute, like, how do we teach our kids, you know, the same lessons? You know, Whitney and I were just chatting before the show about our kids. Her daughter's a phenomenal climber out in Colorado. She's 11 years old and just, just crushing it out there. And we were talking about, you know, some, like, what. How do you help your children have the most success in life? And it's interesting, right, because there are, there are rules, there's data around success for for children and for younger individuals that are trying to achieve success, whether it's in music or sports or, you know, any, any types of athletics. But there are also rules around the same thing in wealth and that these are some of the things that you put in your challenge is for, for people like us, Whitney, it's like we, we learned our lessons through the school of hard knocks, right? It's like through making a lot of mistakes. And you know, people actually my friend that we were just talking about in Salt Lake City joked around, you know, he's like, oh yeah, you know, 20 year overnight success, right? Because I talk about in my book how it took me 15 years to figure out my strategy and a lot of people saw, they're like, oh, Chris, you just started doing this. It's like, no, I started at 21, I'll be 46 this year. So I've only really had it figured out for about 10 years. So what, what is the audience? So first off, your book, Money for tomorrow. I got it, I got it pulled up right here. How to build and protect generational wealth. So what, what ultimately inspired this? What was the genesis of this book, Whitney?

You know, I think it's very mirrors what you described in your journey, you know, over the course of 22 years of investing in real estate, you know, and completely stumbling into this by accident, you know, I was learning, looking for a plan, a blueprint. Like how. Okay, there. Okay, great, I understand now. Real estate is an investment in vehicle 20 years ago. I unders. I understand the power of it. Where's the blueprint? Where's the, you know, where's the steps, 1, 2, 3, 4. And this is like how you get to the end, right? Like where's that blueprint? And you know, just continue to dig and read and dig and read. And I'm like, there is no blueprint, right?

And I read especially like, you know, unless you're ultra wealthy and you have a family office or you have, you know, a high end wealth advisor, you know, it's, it's really hard to get this information just even aggregated.

Well, and that's exactly it. So I read books, I read blogs, I attended events, I hired coaches. And then I started noticing kind of the through lines, you know, on the principles that, you know, the 1%, the wealthy actually utilize in order or follow in order to build and create and protect their wealth. And so why did I write book? I wrote it for one person. I wrote it for my daughter. Because as we scaled our portfolio, I wanted her to have that blueprint, you know, I want to aggregate this all together and be like, honey, like if I got hit by a bus. Morbid thought, right? I wanted her to be able to pick up the book and, you know, have those skills to continue to build and steward what my husband and I have created for our family. Right? We're those transitional character life. So first. First generational wealth. But you, you know, maybe you're not first generation, but you can be that transitional character in your family to help, you know, create more stewards rather than spenders and savers. And so I wrote it for her, and, you know, I had everything kind of like mapped out on, like, you know, word documents, little mini videos. I created like a little mini course for her just in case. And then, you know, I'm coaching, you know, clients on wealth creation. I'm utilizing these principles, you know, in my coaching. I'm like, wait a second, I should just give them this. That I already have written. So they started using it. We. We tweak it. I land on biggerpockets.com a few years ago talking about it, and we got to the end of the presentation, I said, like, let's talk about how to die. And then everything just goes silent. You know, if anybody knows Brandon Turner, you know, who used to be at Bigger Pockets, you. That man is hardly ever silent. The room goes completely silent, and then everybody starts to nervously laugh. And I'm like, okay, great, I got your attention.

You got something. Yeah.

Start taking notes, because this is. This is what we need to learn how to do. You know, not only do. It's one set of skills to create it, it's another set of skills to grow the wealth.

Yep.

Okay. And we as investors tend to over concentrate in those two areas. Nearly every single podcast that you listen to is going to be about creating and growing. We need to flex those skills on how to keep it and protect it for the next generation. And that's an entirely different skill set.

Yeah, no, and it's. It's. It's not only. It's. It's a structure, right? Like, it's a specific structure to keep it, and then it's also a specific set of lessons or information. And it. That's where. That's where I find a lot of investors are really like, hey, I gotta. I got a hole, you know, in my. In my plan here, which is, you know, even if you got the legal structure, you know, maybe you don't understand how to translate that to your children. And I talk about, you know, I. I wrote A chapter in the children's book which is called no Problem Parenting, which is, which is total bs like there's always problems with parenting, but it's.

Like, have you cracked the code, Chris? Can you give it to me?

It was, I only wrote a chapter on, on finances and had it had to teach your kids about money in here. But I talk about the Vanderbilts because I live here in Asheville, North Carolina and we've. Most people that are listening, you've probably heard the expression from shirt sleeves to shirt sleeves in three generations, which means a generation builds the wealth. You know, a generation, you know, then, you know, grows the wealth and then the next generation blows the wealth. So, you know, it's, it's, it's unfortunate, but it's happened over and over again in history. The Vanderbilts are a terrific example of this, this worst case scenario, whereas the Rockefellers have a best case scenario. And the difference is that the Rockefellers have the Rockefeller rules. So they've come up with this set of rules just like you did, Whitney, to do. So what is, what's the number one mistake that you find, you know, people like us, you know, first generation wealth investors, you know, do when it comes to planning or not planning for their future.

O. Number one, there's a lot of, there's a handful of top mistakes.

Yeah, give me. Yeah. What's, what's one of the top mistakes? May. That's a better question.

Well, you know, so I mean, you know, with people that I coach one on one, I mean, they, they have tens, sometimes tens of millions of dollars. They don't have a dashboard, they don't have visibility into their portfolio. Something quite simple as that. I mean, they're. And so I think there's an. So mistake number one. I think there's an assumption, even if you're really great at creating money and investing in deals, that you have to have those systems in place to have visibility into your portfolio and to the steward and manage it. Right? Because at some point in time you're going to question those rules. The market's going to turn on you. You're going to question, hey, is what I've been doing actually working? Or you're going to move out of that accumulation phase of your life and start moving into more of a cash flow phase of your life. And so, you know, making sure that you have those systems in place, I think is mistake number one. Another big mistake that I see especially related to keeping wealth is people don't plan for their incapacity. It's uncomfortable to talk about and specifically.

Like in you're, you're either incapacitated through an accident, through a health issue or, or, or through death. Right. Would be the ultimate incapacity.

Well, and I think it's even, you know, people understand that we die, you know, that, you know, we're not immortal. And so not yet. You know, eventually they'll put the living, the trust in place. Right. You know, if you're paying attention to Brian Johnson and his blueprint, I mean he's like more immortality is coming. Right. But we'll leave that for another conversation. So, you know, I think people understand wills and trust. Do they put him in place soon enough. Questionable. But even before then, just you know, trip and fall. The, you know, the cancer diagnosis, the, you know, you get in a car accident on your way home from work, those things just cannot see, cannot plan for, can leave you incapacitated. And the old adage is if somebody, if you don't have a plan for your money, somebody else does. And those type of things, those decisions can often drain your wealth pretty darn fast. And I think there's an assumption there, you have a spouse or a family member that they're automatically going to be able to make decisions depending on the state you live in. That's actually not the case. You're be completely cut out of the decision making power for what happens to you medically. And so I really encourage people do it at the end of the day today, go call your lawyer, make sure you have a living will, health directives and power of attorneys in place. And so for me, the story, you know, became completely evident. My, my dad was at end of life. He, you know, was, you know, had Parkinson's, very case of Parkinson's. And you know, he was on hospice and quite frankly, you know, we were all, you know, waiting for his transition and he experienced a medical emergency in the care facility that he was in. They took him to the neighboring hospital. They didn't have his living will on file. This is before medical records. They revived him. And most people would be like, oh my God, isn't that what you want when it your father to be.

That's not what he wanted though, perhaps.

Yeah, that was his wish.

Yeah, yeah.

You know, so, and you know, it's not just about the money that was spent to revive him or the two more years that he spent in the facility, but just like it was against his wishes. And so anyways, I really encourage people like, you know, make sure you have some place the other thing. And I think this Will hit home for you.

Mind if we. Yeah, do. Mind if we pause real quick there? I'll. I just want to add something. So we've seen that as well in our family. My grandfather went through the same thing when he had Alzheimer's and he was revived against his wishes. And, and yeah, he spent, you know, he's. His quality of life was very poor, so that was unfortunate. But, you know, the other thing that I saw when. When my father passed away, as I mentioned earlier, he did not have these plans in place. He was only 41. He was a business owner. He owned real estate. He. He also, I want to say rehabbed, but he. He fixed up Corvettes. So he had six Corvettes in various states of, you know, either pristine or in various states of repair. And he left a real mess for my mom because, you know, she was young. She was a young mother. She was in her late 20s at the time. So she had myself, that was five, and my sister, that was a year and a half. And she didn't have the knowledge nor the legal structure set up. And it took her literally years to get through everything. And ultimately, you know, if you're, if you guys are listening, it's like, well, okay, but you know, maybe she had some resources. She had this. The thing is, it really left her with a lot of resentment for my father because, you know, of kind of this mess that, you know, he didn't obviously leave on purpose. So I just want to echo what you said, Whitney, which is if. If one, if you don't have these things in place for yourself, you know, please put it on your calendar to go do that. But number two, check if your loved ones that you are involved with, like your parents, brothers, sisters, make sure that they also have these things put in place as well. And if they don't, maybe you can encourage them to do it. Are you a high income business owner or professional earning 2, 300,000 or even more a year but still feel like you're living paycheck to paycheck? Are you comfortable working until you're 65 or 70 to retire, or do you want to achieve financial independence and live life on your own terms? You could join myself and Matt for and learn how we both became financially independent in our early 30s. We'll teach you how to make, keep and grow your money, teaching you strategies to maximize your earnings, keep your income that you've earned through tax strategy and legal structures in to order, ultimately teach you how to grow it by determining your personal investing strategy as well as teach you how to analyze investments so you can grow your passive income to the point to live life on your own terms. Our coaching clients reliably do this in seven years or less. To learn more, check out our coaching program at nextlevelincome.com forward/coaching. That's nextlevelincome.com forward slash coaching.

Absolutely. Absolutely. And, you know, I don't think that you have to, you know, go into setting up a living trust or a will at the same time, so you can actually do these two things separately. So that's, you know, when we talk about protecting wealth, not necessarily keeping it, but protecting it, that's kind of prong number one. Prong number two, get the living will and trust or, and, or trust set up. And for me, I love trust. And it was really a lawyer. My uncle's a lawyer, and he's like, I hate lawyers. And he was like, I would never do that. But then he explained it to me. He goes, the reason why trust can be so effective is because in your lifetime, you are transferring ownership of another entity that never dies. Whereas if you have a will, you own all your assets and when you die, now have to have a new owner. That new owner is the estate, and your will is the piece of paper that you take to the judge to sue the estate, get the assets.

So that's a good way to put it.

Yeah, right. I was like, oh, that's brilliant. I was like, thank you. Like the light bulb.

That doesn't sound fun.

Yeah, doesn't. It's very public. Like any proceeding, it's very open, it's very public. Everybody's going to know your business.

Yep.

And so that's the reason why I love trust. You know, there's one, there's one owner. You know, they never die, they remain private. But the. Here's the thing. They are expensive to set up, probably 2, 3, $4,000, depending on the complexity. Of course, you can get far more complex than that. A will. Most people opt for that. They say, my estate's simple. I don't need that. I only want to spend two or three hundred dollars to do that right now. But that leaves the expense of lawsuit called probate, to the executor in your heirs.

Yeah.

Okay, so it's expensive. Most probates, the cheapest pro any state, minimally is 8 to $10,000.

Good point.

For a simple estate.

Yeah.

So anyways, but talk to a legal professional and figure out which is most appropriate for you and your situation. But I personally love, like, living trust. That would Be the next step in this process. So plan for your. Plan for the ownership of your assets, but don't stop there because what you said at the beginning, how do we teach our kids?

Right.

Because you can have a will. When my mom passed away, I kind of had a general idea of what she wanted have happen with my. Her and my dad's belongings and the. Everything. We had conversations but had no idea where anything is. I mean, I got a call at 9am saying my mom had passed away. I would. Now I have. She lives in, you know, 2,000, 3,000 miles of me. I have to fly down there. I'm walking to a house that's in complete disarray because my mom had had dementia at the time and you know, just were everywhere. And so I've been like, I don't know where the will is. I don't know who owns the house. Who has the banknote on the house bank. I don't even know that. Like where do I begin to look for the will? Right.

Yeah.

So I'm having to like dig through the house to kind of. It's like a forensic investigation to kind of figure out all these different things.

Yes. Yeah.

Whereas that's kind of what I call the I love you plan is like the next tier. You plan capacity, you plan, you know, for the. At passing of your assets, but actually train your executor.

Yeah.

Where all this information, what your plan is, how to access it. Yeah. Okay.

Yeah.

And leave them like an inventory of everything.

Yes, yes, absolutely. Absolutely.

Of all the assets down to. Who are the utility holders on the property? When my mom passed away, there was. We had to. My husband had this task. He really, bless him, he like really helped me a lot. But he had. We had to notify the utility companies that the house was like vacant and that we need to get final bills and utilities in Houston. My mom had a choice of 35 gas providers. We had no idea which one was the gas providers. And my husband's on the phone just like calling.

Yeah. Oh my God.

Calling every single gas provider to figure out who, you know, was providing gas to the property.

Yeah.

Right. So.

Wow.

Any who's. I would also include that information because.

Yes. So good. Yeah.

Because like you said earlier, you know, with the case of your parents. Right. When your dad passed away, your mom just. If she. She just knew where everything was and kind of what. Just the bare bones plan of what to do with everything.

Yeah.

Moved a lot smoother and she would have been allowed to.

Yeah. No app that. That's a great point. And I love it how you say, it's like the I love you plan. And we actually have. I just made a note because my wife and I have a binder. It's kind of old school, but I just made a note to update the digital version. And what's nice is, like, we have such great technology these days. You can, you can find these. If, if you want resources in any of this stuff, feel free to reach out to us. Send an email to coachingextlevelinc.com coachingextlevelincome.com if they're, if you're like, hey, I heard this on the conversation with Whitney on the podcast. We'd love to, love to have this. Or we can put you in direct touch with Whitney as well. But, you know, that's one of the great things. You can share it on Google Drive and you can give access to a very small number of people. Now, I know some people might say, oh, I would. I don't want to share that. Okay, well, you know, you, there's other ways that you can do it, too. You put it in a binder, you can put in a safe. You can give a few limited people the combination to that safe. But, yeah, ours has all of this information, so it's kind of like a guidebook. And then one of the things we did with our attorney, Whitney, was we actually did, did videos as well for, for our boys. And we talked about, you know, we left a message. You know, we have a message form. We have different things, but that's been several years. So one of the other things we recently did here with our boys is we actually included them in this process about what are our family values. And we're going to continue to update that every few years so that, you know, the boys start to become integrated into really, you know, the, the family unit, the Larson, you know, family and, and how we handle our wealth and some of the lessons that we do. So my boys are only 12 and 14, just, just a hair ahead of your daughter. But I think they're old enough to start learning these lessons and ultimately, when they're adults, when they're 18, 25, 30, God willing, you know, they'll have all of the information and they'll be, they'll be stewards of this wealth and in some way, shape or form.

And that's beautiful because that ties into, like, kind of the fourth tier, which is training the error. So plan for your incapacity, plan for the passing your assets. Train the executor right and then train the errors and you know, you know, teach them now, hopefully actively you're teaching them. But you know, write a book, record journey, have all that accessible. But you're, like you said, you're trying to relay not only the tactical things of what do you do? This money. Okay. But also those family values. Like you said, write a purpose statement and put it with your trust and with your will that clearly outlines what are our family values, what are the holidays we celebrate, what is the intent of that holiday? What are our traditions as a family? Yes, yes, because those are the things. Like I, I remember I, I got my. When my daughter was born, I have each one of the grandparents this little book and I wanted them to write, it was just a, they took 30 seconds each day to write down just something about a memory of their childhood, their upbringing. And a lot, it got into a lot about family values. And you know, how, you know, what did they remember growing up? Like, what. Why do we do the things we do in our family? Why is it my mom is so adamant that we make fudge every year on Christmas? She had a very specific reason why. Yeah, it's not because she loved fudge, because she never ate any of it. Communal part of making the fudge. Right?

Yeah.

There's more to it.

I love that. Yeah.

So you know, those type, incorporate those type of notes into that purpose statement. It can be a video, it could be a written out statement. But then, you know, again, just remember you can actively train. You don't have to wait until you're gone to start training the next generation. You want to interrupt that pattern of shirt sleeves to shirt sleeves in three generations. That training starts now. And I feel there's no, too young to do this. Like, I started playing cash flow for kids with my daughter at age 3. My family thought I was nuts. I was like, if I can understand two words, asset and liability, I have one.

There you go. I love that. We were just talking, My son and I were just talking about that the other day. But a couple points. So the thing is, if, if you're listening and you're like, this is overwhelming. Like, I, I gotta do a living trust, I gotta do this. Whitney said this, Chris said this, they're doing this. Just, just pick up your phone, like most of us have iPhones or Android, and, and do a little folder on your phone and take, take a video start today. Just do a video, share a message with, with your family, put it in there, share that with your spouse or your loved ones that you have and Just say, hey, you know, this is. You know, this is in case something happens to me. It's a little morbid, but again, I think it's, you know, death is a certainty at some point, you know, depending on how technology is. But take. Take action. Take a small action to move forward. And then one of the other things that I've been working on here recently, Whitney, is I've done probably somewhere in the order of four or five hundred podcasts in combination. Lots of blogs, written a book, several chapters, and some others. I've been uploading everything into Chat GPT to make a virtual Chris Larson here for my children to do that. So that may be something that you can incorporate as well for you and your family.

I'm so fascinated by that. A friend of mine owns a wealth management company here in Boulder, and I. He has a chat gbt.gbt as an HR assistant.

Yeah. How about that? Yeah. You know what I love? I. I wish I had that when I was in the corporate world, because I could say, oh, you know what, Whitney, why don't you talk to the Chat GPT HR instead of talking to me? I don't want to get in trouble. You can just talk to them and I won't say the wrong thing. That's a great idea. I have no liability.

Yeah. Yeah. There's also amazing questions that he uses that enhances relationship with his employees. But I'm like, that's what.

That's. Yeah, that's interesting. That's interesting. Yeah. Our goal. Our goal is to have it as a tool for, you know, our coaching clients have it on our website. But, yeah, hopefully my boys can ultimately, you know, they can. They maybe they can even kind of learn from it and do that at some point. Whitney, I, you know, I could. I could talk to you all day. You know, I feel so grateful we get to spend some time together. You know, when we were out in Utah together here recently, it was a highlight of my trip to get to have lunch with you. But if the audience wants to learn more about you, you have a fantastic podcast. You got so many great resources. I've got a copy of your book. I got the audio version 2. How can the audience get. Get a copy for themselves and have really an outline how they can walk through all the things that we talk through today.

Absolutely. Yeah. The book really is laid out as not just financial knowledge, but to empower you for financial capacity. So at the end of every chapter is an action plan, and so you're not going to be left wondering, okay, great, I just read like, you know, 50 pages of information. What do I do next? The checklist is that the the end of the book, what you need to be doing next and in every chapter. So really wanted to make it very actionable. You can find the book on Amazon. It's also available on Audible. There's a suite of tools if you pick it up at biggerpockets.com forward/money for tomorrow suite of tools that accompany the book. One of those tools is that I love you plan and so you can start, you know, creating that binder, that checklist Chris and I were talking about in today's episode. Right now you'll have that available for you. And as far as where you can find me, you can reach out to me ashwealth.com if you have questions about the book or wealth creation in general. If you're interested about, you know, our deals that we do in partnership with Kris as well, you can find me at passiveinvestingwithwhitney.com awesome.

And we'll have these links in the show notes here so you can get of a couple copy of Whitney's book. You can get in touch with her. Whitney, we're surely going to have you back on the show here. Thank you so much for sharing so much about this valuable topic with our audience today.

My pleasure, Chris. Thank you so much.

Hey Chris, here again. I hope you found this episode valuable. Now I have one more thing to give to you. We have a page for my coaching clients where you can get a free copy of my book as well as much more from previous guests on the show show. Just check out nextlevelincome. Com coaching to get a free copy of my book, audiobook and much more. I'll send you a copy of my book and cover all the shipping costs as a thank you for listening to the podcast. Also please like share and take just 90 seconds to give us a rating on Apple Podcasts.