Ep.13 Not Letting FEAR Guide How You Deal With Your Finances with CFM Candice Toone

Hey, everybody, this is Madeline from Strasbourg coaching, and you are listening to the money is not your problem podcast. I use what I love most, my LDS faith, the common sense of Dave Ramsey's baby steps, and Brooke Castillo's life coaching tools to help you identify and manage the real issues behind your financial problems.

[CFM COACH ASSISTANT AI ]: Hi, everybody. Welcome to another episode of the money's not your problem podcast. I have here with me Candice Tune, and I'm going to read her bio. It's amazing. She used to be my coach at Be Bold with Jodi Moore and then now at the life coach school. Candice is a former marriage and family therapist and she turned herself into a master certified life coach, and she's the founder of the Define gravity revolution. Her mission is to help women stop wondering if they married the wrong guy and start enjoying the marriage they imagined when they said, I do. She's a podcaster, author, connoisseur of grapefruit juice, and a dexercise enthusiast. I love this. She lives in Utah with her husband, three children, and their dog. What's the name of the dog?

Slowmar.

[CFM COACH ASSISTANT AI ]: All right. And is he a big dog or a little dog?

She is a little old granny dog. We've had her for so long. She's old and blind and she's old, but she's cute and precious. We still love her.

[CFM COACH ASSISTANT AI ]: Awesome. I will share on the podcast notes the link tree so you can know everything about Candace and her program. Her program is great and she has. If you hear this before April, she has an upcoming event on April 28 that she'll have more information for you on her site. So if you want to spend a day with Candace, I would highly recommend. So, Candice, tell me a little bit about. Is there anything that I miss?

Um, there's also a virtual event in March. If they hear this before, it's March 13th through the 17th. And it's just free to whoever wants to come and learn about improving their marriage.

[CFM COACH ASSISTANT AI ]: Oh, this is great. I didn't know that. I'm going to sign up for that too, because that's good. There's always room for growth. Right?

Right. Yes. Awesome. Even good marriages can have little tweaks to make them even more amazing.

[CFM COACH ASSISTANT AI ]: Absolutely. I think sometimes people have that idea in their minds that marriage is going to be one way and they have different pictures. Right. And then when they come into the marriage, they're like, well, you don't have my picture in mind. You're not doing what I expect you to do. Right.

Right.

[CFM COACH ASSISTANT AI ]: So then it's always Good to do those things. And even if you realize after you got married that those things are not aligning, you still can align.

Right. You can still figure it out.

[CFM COACH ASSISTANT AI ]: Yep. 100 and the best part, you don't have to bring your husband. You can just come yourself.

Can do it yourself. Yep.

[CFM COACH ASSISTANT AI ]: All right, so tell me a little bit about growing up and. And money. How did you learn about money? You know, this, my podcast about finances. So we want to know all about money.

Yeah. So I think I have a pretty typical story. I didn't. My parents didn't really talk to me about money too much. They just. It was kind of like a thing that the parents handled and the kids just kind of went along with it. We didn't. We had plenty of money as far as, like, I knew. We went on vacations and I always had clothes and lived inside and all those things. So it just wasn't ever really a topic until I got to college and, like, started doing school loans and all of that. And then I was like, oh, this is a whole thing that I don't really know much about.

[CFM COACH ASSISTANT AI ]: Right. Was there. What was the. The. I don't know, the consensus in your home was, was money a bad thing, a good thing, or was never talked about, you weren't worried about?

Yeah, it wasn't really a bad or a good thing, but it was definitely something that it was rude to talk about.

[CFM COACH ASSISTANT AI ]: Right? Yeah. Sometimes people. You don't ask about money.

Right, Right.

[CFM COACH ASSISTANT AI ]: All right.

So private affair, they just figure it out on their own. Yeah.

[CFM COACH ASSISTANT AI ]: Right. And. And it's so complicated because when you do that, then you don't know what, you know. Your parents didn't know what your kids were, what the kids were learning. So it's a little bit difficult to figure it out. Okay. So there just go into the world and figure that out.

Right?

[CFM COACH ASSISTANT AI ]: Yeah.

And also, it's always like, you have to work really hard for your money, make sure you save money. Debt is terrible. Like, those were the kinds of things that I did learn. It's just like, you don't have any credit cards, you don't want to have any sort of like, you never want to owe anyone money. Definitely don't loan money to your family members. Like, all of that. It's like a danger kind of vibe.

[CFM COACH ASSISTANT AI ]: Okay. And then I think that's a problem. Sometimes we don't know. We don't understand the why. We were not told the why. So then we're like, I'm going to defy define a little bit of here. And I'M going to try that. And you kind of rebel a little bit. Why is that so bad? Because we don't know the whys.

Right, right. Exactly.

[CFM COACH ASSISTANT AI ]: Yeah. So how did this affect your thoughts about money in your youth?

Yeah, so I don't think I really had very many conscious thoughts about my money as a young, like a young, young person. But then in college and things like that, like, I always had multiple jobs. I've always worked really hard. I've always been afraid of enough money. I've always, like, even early in my marriage, like, my husband is more of a investor, and I'm like, we can't invest any money because we have credit card debt. So what are you talking about? We have to pay this debt offers before we can buy a rental property or anything like that. So that's been like, those two different views have been a little bit challenging for us to bring together.

Right.

[CFM COACH ASSISTANT AI ]: Because he was raised one way and you're raised the other way. So it's difficult and. Well, it's not difficult, it's just different.

Yeah.

[CFM COACH ASSISTANT AI ]: So then you have to get that agreement.

Yeah.

[CFM COACH ASSISTANT AI ]: And. And that's a good question. People always ask that question, how do you get yourself on the same page? So because you're a marriage licensed and master certified, how do you help your clients to see that?

Yeah. So getting on the same page is such an interesting phrase because what they really mean usually is, how do I get him to agree with me? Because I'm like, well, you could get on the same page by just going to his side. And they're always like, no, no, no. What I mean, how can I get him to agree with me? And I think what you said earlier is really so key. Like, we got to figure out why. Why does he want to invest? Why do you want to save? Is there a way that we can get both of your whys met? I mean, the action you take is less relevant than why you're doing the thing that you're doing. Because what we figured out is like, oh, well, if we get an investment property and then we start getting those payoffs of that, then I can still pay off my debt. We can both get what we want. That's kind of how you work best to get on the same page is to create a new page that takes multiplies into account.

[CFM COACH ASSISTANT AI ]: Yes, I like that because I am a firm believer of the Dave Ramsey program, and I did that, but I was dragging my husband around, so drag with me. So, like, he's on the same page and I was just dragging him and on the side, something else was happening. So then when we got together and decided, well, we have to decide what is our vision together for our money, how we get there. It's not as important as respecting the other person and accepting that he is not as committed as I am to this plan. But we have a vision that's shared, so we want it to be that free. So then we work that way and made the adjustments and we still, we have adjustments to make. But once you have that where we're going together, it really helped us. Okay, so was there any specific event or a defining experience that helped you in your financial journey?

Yeah. So I think becoming a coach actually, because coaches talk so differently about money than anyone I've ever met. Most people in my world, we actually talk about money. I know we first of all say numbers out loud.

Right.

Second of all, we don't like feel guilty or shamed about it. Most people in my world, like, even my world now, like my non cultural, like, don't. Same as my parents, don't talk about money. It's private matter. Leave it alone. Make sure you save, make sure you budget. Make sure, like it's all very. If we're not careful, it can come from a very, like, fearful place. Some people budget and save from a really abundant place, but most people, I think are kind of scared about it. And so coming into a coach world where it's like, oh, we can create our own money, we can make value that brings money back to us. We don't have to be afraid. Like, just even hearing those words was such a game changer for me.

[CFM COACH ASSISTANT AI ]: Yes. I liked how Brooke talked about how is a flow, right? There's money coming in and money coming out. So we're spending things, but we're earning the money. And then having money, that's important too. It's not just have a bunch of money so you can go and spend it all, but just like having it, learning how to have. I love that concept from her. And it's true. As coaches, we, we talk a whole lot more about money. And people out there, they don't want to talk about money. Why do you think people don't want to talk about money?

I think it's associated and I know that you probably talked about this before, but it's associated with negative personality traits. Greed or like disregard for other people or not being selfless or not being in service. We think that if we're after money, then we don't care about people. And I think that's not. I Mean, sometimes that's true for sure, but not always. And most of the time not. Because when we have more money. I love this concept too. When I have more money, I can't. I have the resources available to give more things away at reduced cost or for free So I can help more people if I have more resources.

[CFM COACH ASSISTANT AI ]: Yeah, it's really nice when we can help people with our time and talking to people. Those have their place. But sometimes we see a practical need and when we have the resources, then we can actually go and do it.

Right.

Yeah, it's.

[CFM COACH ASSISTANT AI ]: It's so good.

Create more. Even if we don't give our money away. Of course we can. But even if we don't give money away, we can create more valuable tools that we can give away for free. Create more valuable experiences that we can invite people to come to a webinar for free or to like a workshop for free if we have the resources available to put those things together.

[CFM COACH ASSISTANT AI ]: Right. Because we're not required. And so many. It could be the change for everything for a person if they don't have that in their journey right now. This could be. This could mean everything. It could mean their, their whole, the rest of their life if they come to one of those things for free. I love this. Does spirituality play any part in your financial journey?

Yeah. So I love the concept of tithing because. And I know there's tithing and offerings and lots of different faiths. So it's just, it's a, It's a nice thing to be like, if I on purpose, plan to be generous with my income, then I already have that built into my life. And I just think that that's such a nice thing to do because we don't know exactly where the funding goes. We just trust in the, in the organization, in the humans that run it, to be like, listen, I'm going to give this to you on good faith that you're going to do what you think is best for humans. And then it kind of fosters a belief in humanity that everyone's trying to do their best. So I like believing that I'm going to give this on good faith and they're going to spend it on good faith. I just, I like having that built into the budgeting that I do.

[CFM COACH ASSISTANT AI ]: Right. I love that too. I like that even though we don't know what that person or the organization is going to do with the. That money, the Lord looks into our hearts and he sees that was our intention, that was what we are doing and why we were doing and it's from one side when we look at a small thing. But it makes such a difference too, to pay that. Are there one or more person that helped you during your financial evolution?

Yeah. So I think Brooke Castillo, like, we already mentioned her. She's one of the major people that even talked about money at all as. As though it was okay to talk about it. And I want to be somebody like her that talks specifically to women. I mean, men kind of get this messaging already, and I'm so glad they do. Good for them. And I just want women to also be like, hey, money is actually like a tool in the world that you can use for a lot of good. I want to be a force for that as well. Jody Moore is really good at that as well. Just in like making money. Not bad, not good. It's just a tool we can use. And whoever's holding it gets to make it into something really amazing if we want to.

[CFM COACH ASSISTANT AI ]: Right. Money is a magnifier.

Right.

[CFM COACH ASSISTANT AI ]: Makes you more of who you are. So that's why a lot of people that have money, they have the bad reputation because they can do more evil. But the majority of people, it's just that sometimes we don't know who they are.

It's quieter.

Yes.

[CFM COACH ASSISTANT AI ]: And for those of you who are listening and don't know, who's Brooke Castillo? She's the owner of the Life Coach School. She's our teacher and certified master, certified Kochi connoisseur. She is.

Go ahead.

[CFM COACH ASSISTANT AI ]: So do you still carry something from maybe someone from your past or someone that you observe an example other than Brooke from that about money that you liked, that I liked, or that you still use it or like a tidbit of something that you learned?

I mean, I think my parents always taught me generosity, which I think they probably taught me more generosity and time and generosity and like, we always would donate things and like that sort of thing. So I really appreciate that. And I. I've seen lots of examples of like, donating and giving away, which I think is really useful, and then we can extend that to money too. So I think most, most of my childhood and my experiences was very closed booked about money. Just like, let's, let's just show up with our time, let's show up with our work, let's show up with all of that. But I like to transfer the generosity I learned from those sorts of examples to you can be generous with the way that you allocate your money as well.

[CFM COACH ASSISTANT AI ]: Right. I like that. It's. It is true sometimes we're really good at doing something and we can transfer that skill into another area that we're maybe lacking a little bit. Right. All right. So was there anything negative? Have you had to reconcile anything negative from your past in terms of finances?

I mean? Yeah, I think, I think just there's so much fear around debt. Like credit cards are the devil. You definitely want to stay away from them. You're going to be crushed under them. So I, I've definitely had to, as I'm building my business and taking out business loans and things like that, I've had to really do some work on what it means to take out a loan, what it means to have credit card debt, and how that can actually be a good thing to serve the business, which means that I'm going to be able to reach more women and help more marriages become stable. So that, that was definitely a shift to be like, I can take an advance on this money so that I can help more people and then I'll, you know, get back to paying it off and all of that. That was definitely a shift for me for sure.

[CFM COACH ASSISTANT AI ]: Yeah. It's a, it's interesting when we. I teach my clients that you can feel peaceful even if you're in debt right now and you're working towards that. My goal is to get people out of debt and build wealth and that's the shortest way. But even if right now they have a plan and they're following their plan, even while they're taking their plan, taking their time, paying off the stuff and all that, they still can feel at peace that they have a plan that's solid, they're following through. They mess up, they get up and do it again. So you can still definitely have that mindset, even if you're planning to get out of that and do those things a little more aggressively.

And I think like what kinds of debt there are too. So I think it's been useful to kind of delineate that out. And I know that in the faith I belong to, they teach about that anyways, like education, homes, cars, that kind of thing is considered a different kind of debt than if I'm just going out and buying lots of stuff.

Right.

It's been useful to kind of separate that out too.

[CFM COACH ASSISTANT AI ]: Yeah. Sometimes it's how the person decides to use that information.

Right.

[CFM COACH ASSISTANT AI ]: So they personalize how are they going to use it. So it's not a transportation, it becomes that a car becomes this, this status thing. So they lose that side because that's. They're feeding their four year old Inside themselves, right?

Yes.

[CFM COACH ASSISTANT AI ]: So it's, it's always good to put those things on check as well.

And I think it helps you with your relationship with yourself to really ask yourself, why am I doing this? Am I feeding my 4 year old inside of me? Or am I feeding the CEO of my future that really wants me to get to where I'm going so we can build trust with ourselves using money as a tool.

[CFM COACH ASSISTANT AI ]: Yes. I've, I've met several millionaires who were, you know, people next door that you don't even tell that they're millionaires. And I've had them come over and talk to my students when I was in the classroom and they would say they still had some debt, you still had a credit card and, and those people knew how to use it, or they had peace doing the work. That plan worked for them. So there's not one size fits all. Of course I'm for no debt, no loans. I'm that kind of person. But I understand that everybody has their own different journey and, but understanding when you're rationalizing or when you are, you know, just, just do what you say. So now let's move on to your kids. So you grew up in a place where they didn't talk to you about money. How do you handle that with your kids now?

I talk to my kids about money all the time, especially my girls. And I tell them like, because I have like, I've earned awards for the amount of money I made in my business and I will tell my kids how I got the award and what it is and why and how we use that money and why. How it can create more abundance for me to help more people. How it can create like lots of things for us as a family, but also for the world that I'm trying to impact. So they know all about it.

[CFM COACH ASSISTANT AI ]: That's excellent. Do you do allowance or do you do like a commission? Do you pay them for chores or.

Pretty little. So like my oldest is 10. We don't pay them for chores. We're like, you pay rent by cleaning your room. Like you have to contribute to our family in some way, so I don't pay you for that. And then if they, we have a volunteer board in our house that they can like, I'm like, if you want to do an extra job and earn some money, here's how much that one is worth. And then if they come up with their own volunteer, like they notice something around our house, they get extra money for noticing something and doing it to be conscientious. Of like, what can I do to contribute to this group I belong to?

[CFM COACH ASSISTANT AI ]: Excellent. And you're teaching them that when they do something, then they get paid. So you teach them how to learn how to learn how to work. Right.

And even, even the things they don't technically get, like, money for. I'm like, you get paid because you get to eat and you get to live in this house.

[CFM COACH ASSISTANT AI ]: Right.

Sometimes you just have to. You get to earn the things that you enjoy, even if it always doesn't come with a financial return.

[CFM COACH ASSISTANT AI ]: Right. And you said that your oldest one is 10, right. So it's different with the little one. How old is the littlest one?

She's five. She's five. Right. So.

[CFM COACH ASSISTANT AI ]: Oh, it still has a pretty good concept. They start learning that in kindergarten, right?

Yeah.

[CFM COACH ASSISTANT AI ]: Is she going to school?

She does go to school and she has the same thing. Like, she can do some extra things for money if she wants to. Like just age appropriate chores, of course, Change the laundry or whatever.

[CFM COACH ASSISTANT AI ]: So yeah, yeah, Go mow the lawn and things like that. Maybe five euro. All right, so, well, so I guess you don't have too much to say that when they don't do something that you say in relation to money, but how do you handle when the kids, you tell them to do something and they don't do it, how do you handle that?

Yeah, sometimes with money, they still do that because they have enough money that they can spend on whatever they want. And sometimes they make excuses, spend expenditures that I'm like, that you're not gonna want that in a minute. Like, that's gonna be an impulse buy. And I'll tell them, I'll be like, hey, like, my daughter's really. My middle daughter's into the squashmallows. And they're so expensive. They're like 60 bucks.

[CFM COACH ASSISTANT AI ]: The squishmallows are horrible.

I'm like, why is this so expensive? And so I will say like, okay, let's look at this thing. We're gonna walk around the store in our cart with it in our cart while we're doing this. And then I want you to really think about, do you really want this? Like, and I just kind of walk her through. And I never tell her she can or can't do it, but I like to slow her decisions down a little bit just to be like, why do we want this? How's it going to fit into your room? Where are you going to put it? What are you going to do with it? Just to like, help her think through it and not make an impulse buy. But then if she. She still has it, there's a $60 avocado in her bedroom right now, like, okay. And I say to her, I'm like, if you buy this, you're going to have less money for that. Is that okay with you? And then I. I try to just say it to her as neutrally as possible, and then she gets to make her own choices. But then if she comes to me later and she's like, I want this. And I was like, okay, here's the volunteer board. You want to earn some more money for that?

[CFM COACH ASSISTANT AI ]: There's what you do that is so valuable because not only you stopped impulse, but you give some ideas for her, what kind of questions should be asking before buying something. And doing that from the beginning will help you so much when they're teenagers.

I hope so. Yes.

[CFM COACH ASSISTANT AI ]: Or at least you get used to.

The rejection eye rolls in the mom.

[CFM COACH ASSISTANT AI ]: You know, but it's interesting because I've been doing my kids, too, and a lot of them, the two of them, they are pretty good about, well, I don't want to buy this. And they don't see. Sometimes they don't see the value, and sometimes they spend something so ridiculous. You're like, I know for sure you're not going to use this, but we got to make them, let them do those.

Yeah. We got to let them feel what it's like to lose money on something.

[CFM COACH ASSISTANT AI ]: Yeah. And it's good because they're learning at home where they should learn. Because just like you, you went to college and then you didn't know you took on student loans, you did this, that, and, and there were other options. You just were not aware of those options.

Right.

[CFM COACH ASSISTANT AI ]: If you knew certain scholarships were available to you or if you had, you know, other things that we don't know. So I think it's so important that we. We start early. And you're doing a great job with that.

Thank you.

[CFM COACH ASSISTANT AI ]: So right now, how do you continue growing in your financial understanding?

Yeah, so I love. I love to read books about money that people that know more than me, because most people know more than I do about money. And so I like to read a variety of strategies. I have been through Dave Ramsey's program. I also like to listen to people who are more like, leverage your debt and go ahead and get loans. And then I like to kind of make a decision myself and try things out. And I just let myself be a beginner about it. And I'm like, I'm just going to see how it Goes. And I always like to be the least informed person in the room. And then I just ask lots of questions. I'm like, tell me everything. What's a good interest rate? What do we think about return? What's a good percentage of return? How do I even know what those things are? Most of the vocabulary, I just don't know. I just ask people and I just let myself look dumb. And it's okay if I do because I'm getting smarter as I go.

[CFM COACH ASSISTANT AI ]: Yes, absolutely. You do learn as you go. Right. And asking questions is the best way for you. And just like you said, this is perfect. You see different. Different views, and then you decide what's best for you, what resonates with you. Because there's not only one right way to do things. Right.

There's so many ways to do things. And most of it, if you don't ask questions, you're like, I didn't even know that was an option. I didn't even know that was available.

[CFM COACH ASSISTANT AI ]: Right, Right. That is incredible. It opens up to us. The more you look for more. More opportunity. You have to learn, and you have to look for the source that you're getting that information to. Right. You don't want to get just like.

With the squashmallow in the cart. You want to like, sit and hold the information and be like, how does it feel to me? What do I think might be the. The outcome of this? What are some unintended consequences that might come from me doing it that way? Just think, think it through before you might go all in on any particular strategy.

[CFM COACH ASSISTANT AI ]: Yes, I agree. That's wonderful. So thinking back on your most chall challenging time financially, what advice you would give to someone in that same situation? Maybe that college student, when he got out of school and figured out they had to pay all the debt back, or is there anything they would tell them her?

Yeah. So I think my most challenging time was right when Covid happened and I was in my business, pretty established in my business. My husband, we could tell that the company he was working on was just going to keep cutting back and cutting back and cutting back. So they kept him on for a while, but we just decided we need to get out of there. And so he stopped working. And I was the only family income person at that time, which was not ever the plan, and it wasn't. So it was. It was really stressful for me. And what I would tell myself back then, and it's probably the same advice I would give the person in college when I had those loan debts. I would just be like, just allow yourself to be okay. Like it's gonna work out. You're gonna, you're very resourceful, you're gonna be scrappy and figure something out. So I would just invite anyone to just be like, take this drama out of it. Stop telling yourself you're bad with money. Stop telling yourself your kids are going to starve to death. Stop telling yourself because that's not going to happen. Most likely you're going to figure out something else before then. So just take the drama out of it. And when you do, you're going to be able to see lots more creative solutions.

[CFM COACH ASSISTANT AI ]: I love this. This is so good because it shows the connection between that mentality, I'm not good with money, to what you're doing and creating that extra stress and feeling so pressured for being the sole provider at the time in your family. Right. And that's what I, I tell my clients, is that you're not good. Being good with money is, has nothing to do only with money. It's a few attributes that make you give with money. And you're showing this right now. It's your mindset, it's how you talk to yourself is having spirituality so paying your tithing and believing that God will provide too. And that's. You are a perfect example of a chief financial mom. And because you lead your family and that's, you know, CEOs that CFOs are really good. They only, they don't only know about money in the company. They know how to talk to people, they know how to relate to things, they know how to problem solve. So I think that's so important. Now I have a few rapid fire questions. I don't. Did I send them to you? I should have sent them to you.

When I'm ready. Okay.

[CFM COACH ASSISTANT AI ]: All right, so here's the first one. What was the worst financial decision you ever made?

The worst financial decision I ever made. And sorry, parents, but my parents invited me to take out student loans and they said they were going to pay them and then they didn't. So I should have just. And I wanted to do work study and I wanted to do whatever and for whatever reason my parents weren't, weren't able to take on the, the payback. And I just wish I would have done work study the whole time. I totally could have.

[CFM COACH ASSISTANT AI ]: Yes.

So putting the financial decision in someone else's hands when I was a grownup, I would say that's my worst decision I've ever made.

[CFM COACH ASSISTANT AI ]: Right. It's always important to know The. The line that you're signing, right. The little agreement that you have. Because sometimes people don't talk about that. In your case, I don't know if that was talked about, but a lot of times people say, go take the student loans or taking their name. And then they're like, no, it's your school.

You pay.

[CFM COACH ASSISTANT AI ]: So if there's.

I believe they intended to do it, but then just some things happened that they weren't able to. And I. I wish I just would have said. Because in my gut, I remember feeling like I don't want to take out these loans, and I just wish that I would have followed my heart.

Right.

[CFM COACH ASSISTANT AI ]: And knowing a little bit more about the. The college situation, you know that right now, and especially for your kids, you know that they can go to school for free. There are so many means that for us to provide that education, so there's no need. But when you don't know, you just do what you.

That was a long time ago, so.

[CFM COACH ASSISTANT AI ]: Right, exactly. I saw when I used to work in the classroom, counselors would come in and say, you want to go to New York? Just go. Yeah, go. It's a great opportunity, great experience. No, you do experience later, right? With your own money, when you have time. Going to school in another state is so much more expensive. Explain them why it's more expensive, because they don't know why. They're just like, okay, the counselor is telling me, I'm gonna do it. All right, next one. What was the most useless thing that you ever bought?

The most useless thing that I ever bought, probably toys for my kids. I. When they were little, I would just buy so many more toys than they ever needed. And now I'm just like. I'm cleaning out my closets right now, and I'm just sending a lot of it to the D.I.

[CFM COACH ASSISTANT AI ]: Huh?

Yeah.

[CFM COACH ASSISTANT AI ]: Yeah. We think that they need those things, right?

No. And then they're little and cute. You just buy them more stuff than they could ever possibly play with. So I was just telling my husband this morning that if. If we were doing it over, I would have just bought, like, half the stuff that we bought.

[CFM COACH ASSISTANT AI ]: Right? Yeah, that is a good point. And then our last one. What was something that you bought that turned out to be better than you expected? Maybe something that you bought very cheap, but use it all the time.

Our rv, my camper. And I was like, I don't want to buy a camper. I'm not a camping person. But it is so fun to have one now.

[CFM COACH ASSISTANT AI ]: And you use it all the time.

And, and my kids just like we, it's kind of like having another house. Right? Because we remember. Oh, remember we're going to be 9:28.

[CFM COACH ASSISTANT AI ]: Is that Friday or Saturday then when.

We go on, remember? And then that happened before and it's just, it turned out way better than I expected.

[CFM COACH ASSISTANT AI ]: Awesome. Well, is there anything. Well, you already told us about your, your retreat and your, your training and your three day training online. So do you want to just wrap it up, just revise it for us and just.

Yeah, yeah. March 13th through the 17th at 11:00am Mountain Time. Every day we're doing Lucky in Love. And my challenge to anyone who comes is tell me something you want to have happen in your marriage or you want to stop in your marriage in five days. And we're going to make it happen. We're going to show you how powerful you are. Five days of concentrated effort and then if you want to come live in person, you're local to Utah on the 29th of April. We're okay, we're going to.

[CFM COACH ASSISTANT AI ]: Is that Friday or Saturday?

It's Saturday night. And then we're going to take anything that's painful in your marriage and show you possibilities around it. We're going to workshop that that whole day. So.

[CFM COACH ASSISTANT AI ]: Wow.

That's gonna be free to anyone who wants to come to any of those things. So if you want to look on my link tree, you can find me and we'll get you taken care of.

[CFM COACH ASSISTANT AI ]: Awesome. Thank you so much, Candice. It's been a pleasure to talk to you today.

Thank you so much for having me.

[CFM COACH ASSISTANT AI ]: Okay, bye.

Bye.

[CFM COACH ASSISTANT AI ]: Bye. Obrigada.

I hope you've enjoyed today's episode. Remember to subscribe, rate and review. And if you're ready to invest in yourself, check out my website, StrasbourgCoaching.com to schedule a consultation or try my membership group for free. I'll be back next week for another profitable episode of the Money Snyer Problem podcast. Obrigada.