Ep.6 How to Become a Chief Financial Mom

[CFM COACH ASSISTANT AI ]: Hey everybody, this is Madeline from Strasbourg Coaching and you are listening to the Money's 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. Hey there everybody. Welcome to this week's podcast. In the previous episodes we gave an overview of the concepts and the plans that we're going to use to change our lives. And from now on, we're going to start talking about how we can integrate all these things together to make your life amazing. Today we're going to be talking about how to become the Chief Financial mom of your home. The Chief Financial Officer of a company or organization is assigned the primary responsibility for managing the company's finances, analyzing data and recommending corrections. I know that many mothers did not set out to become the Financial officers in their homes for one reason or another. They might want to or they need to become one because of their family or life circumstances. That's why I decided to call them the Chief Financial Moms. By developing certain qualities, you mom can excel at it and become the most financially savvy woman around. A Chief Financial Mom. So a cfm, she knows more about managing her family's money than several big company Chief Financial Officers. As you learn and develop these qualities, you will be someone who manages your money well, makes wise decisions, cares for your family, serves your community and teach the next generation. Your influence is going to be magnificent. A Chief Financial mom has some important characteristics and it has taken me a long time to develop these characteristics. But you, you have me as your guide and I can give you all the shortcuts and I put them all together for you so you can work on those and achieve everything that you want much sooner. Alright, so you may be surprised. In this list we have some items. They are not financial in nature, just like CFOs and organizations. The best ones are the ones who are balanced, have interpersonal skills, demonstrate leadership capabilities, they're honest and show flexibility. These are not necessarily financial aspects, but those make the best CFOs. Well, same thing with the Chief Financial Mom. A Chief Financial mom is a well rounded woman and these qualities also increase her effectiveness in all other areas of her life. I'm telling you, once I start developing certain qualities and the ones related to money and start applying those to her money, I start getting better in other areas of my life. I start getting better at being a mother and I start getting better at being a student. While I was going to school and getting my certification, I started getting better at my work and all these other areas and my health. Because one area affects the other. These characteristics will help you improve in any other area of your life. So here are the nine characteristics to be achieved Financial Number one, she is true to her faith. Number two, she spends, saves and invests wisely. After all, we're talking about a chief financial mom. Number three demonstrates emotional adulthood. Number four, she values relationships. Number five, she accepts others and their right to agency. Number six, she's at peace with her past. Number seven, she has a vision for her family. Number eight, she manages her mind well. And number she seeks ongoing learning and teaching opportunities. That is a great list of characteristics. Right? So let's go Tiana here and let's dig a little deeper into each one of these characteristics. So first one is she's true to her faith. So a chief financial mom. She acknowledges her dependence on God and recognized that all blessings come from Him. So nothing is really ours. We are just given here to be able to manage things. All we have is his and we are here to be good stewards of his resources. And as you align yourself with the Savior and strive to live a life committed to your faith, he will bless your efforts and give you the strength to endure anything. I'm not telling you that you're going to be rich and super wealthy right away just because you're paying your tithing and you're doing your scripture reading and all that. But you are going to learn how to manage your finances, how to make decisions and how to rely on the Spirit to be able to move forward and make those. Even when it's difficult times, you're going to be able to endure those. And as you learn to manage your money well, you'll be able to take care of your family's needs, save for the future and have some fun too. It is the principle Self reliance. Self reliance is more than having a good job, food storage or money in the bank. Rather it is the ability, commitment and effort to provide life's spiritual and temporal necessities for self and family. This definition came from the manual, the self Reliance Manual that the church offers through the stake. So if your stakes are asking for volunteers to do the personal finance self reliance course, I would highly recommend you to take it. Because not only you take care of the money part, you also going to take care of the spiritual necessities of the family. Those two go together and as you develop one, the other one is strengthened as church members become Self reliant, they are also better able to serve and care for others as they enthrone work as a ruling principle in their lives. Elder Robert D. Hales of the Core and the twelve Apostles said, self reliance is a means to a higher end. Our ultimate goal is to become like the Savior and our unselfish service to others enhances that goal. Our ability to serve is increased or diminished by the level of our self reliance. Only when we become self sufficient, Elder Hales, can we truly emulate the Savior in serving and blessing others. Self reliance and generosity are essential components of being Christlike. Of course, if you don't have the necessities to take care of your own family, your own needs, how can you bless others? We talked about that before, how if you can help others with time, that's valuable. That's very important. However, sometimes a lot of people need actual financial resources. So if you're taken care of, then you can serve others. You have the energy and you have the financial resources to do that. I remember my mom being such a great example of that. My dad and my mom worked really hard together and they were a great team. My mom was the chief financial mom. Absolutely. And she managed the finances in the home very well. And she was one of the most generous persons I've ever met. She was always willing to help whoever needed help. And at the end of my dad's life, when he passed away, we found out, we always knew that he was generous. But right before the funeral, we had our former branch president come talk to us. And the joke was going to be that he was going to propose to my mom. But no, he came in and told us something really amazing. He told us that my dad support that branch for as long as he needed. So you see that when you're secure with your finances at home, like you have your necessities and those things are met, then you can help other people, you can help other services or organizations that you want to support. One of the things that I want to support is financial literacy in the classroom. But I want to teach them the right way to think about finances. Of course. So I want to donate some of the scholarships of the foundations of personal finance offered by the Ramsey Solution. And I also want to donate to causes that are different, like the Elizabeth Smart foundation and all the work that they do to prevent abuse and sexual assault. I think that is such an amazing organization and I want to donate with that. So once we have our things in order, then we can help others. Right? A chief financial mom knows and understands Common sense and basic principles of personal finance and money management. So here we dig into the financial part, actually. So understanding math, understanding. And I'm not talking about calculus, I'm not talking about trigonometry, I'm talking about 5th and 6th grade math where you learn to add, subtract and multiply a power. Exponents are pretty important too, as we get into the investment part. So this is really important that you understand the math behind it, how to do the math behind it. You also need to learn the financial concepts and the financial services out there and the documents and things that you need to have in your life so you're not lost and trying to. You're not covering yourself or taking care of your family because you don't know. And I'm here to help you with that. I've spent the past 10 years learning and applying and failing and trying and learning all these things about personal finance. But of course we're not perfect. But there are many things that I got pretty locked on that I can teach you and I can guide you and give you some of the, the short ways to get there instead of having you trying to figure this out all by yourself. Right? Or sometimes people use difficult language. Or if you remember from high school, you had that teacher that knew a lot about the subject but didn't know how to teach it. I will make sure to use the language that you need to understand and explain it to you as many ways as I can. Right? So you don't need to have a financial degree to create a budget or understand the importance of saving for the future, but it's fundamental that you spend less than you bring in. A CFM knows that the interest that you pay in loans and credit cards is not a smart move. She wants to make interest instead of pay interest. And if you are a single mom, your choice to learn these skills can mean your family's survival. If you're married and your husband does not value your opinion, other issues are in place. We already talked about that before in the podcast. Money problems are the symptoms, not the cause. You need to understand the financial affairs surrounding your life, even if you do not work outside the home. A chief financial mom knows where important documents are, understands the importance, and has different types of insurance to protect her and her family's assets, has a will and a power of attorney, and pays her taxes on time. All these things are part of a financial life that it's going to create the peace and freedom that you want to feel. I've known a few people that have gone through difficult times. A few moms that either the husband passed away or they got divorced and they had no understanding of the finances of the home. So what's going to happen? One, if they don't have the understanding, the financial understanding, they might just blow out the money. If they had life insurance, they might end up having to get a job. If they never had a job or because they don't have money to support themselves, they also might end up not being able to grieve properly because they have to worry about those many things that those survival things that you need to run a household. Right? So having those things in place, understanding what the finances of the home is, it's so important. So you can just grieve and miss that person that was with you or grief the relationship that you wish you would have if you got divorced. Right? These things are so important and will bring you so much more peace in your life. So let's talk about characteristic number three. She demonstrates emotional adulthood. What does that mean? Right. A chief financial mom knows she is responsible for how she thinks and feels at every moment. If you are a chief financial mom, rather than acting like a child out of control, blaming others for how you feel, your actions and the results you get in your life, you allow yourself to feel the emotions without acting out or reacting. Instead, you take the kind of action that produces the results you really want. Emotional adulthood means taking responsibility for your pain and joy, not expecting other people to make you happy or feel secure, and appreciating that you are in control of your emotions. I know the natural tendency is for us to blame others, right? But blaming others for how you feel puts you in a victim role as if you're at the mercy of other people in your life. Taking full responsibility is a big challenge, but a worthwhile pursuit as empowers you. An achieved financial mom does that. So here's just a quick example of when I act as an emotional childhood. I used to work at the school setting and I ran this program. And then what happens? The this lady from a different program came into the classroom and talked to my tutors and my mentors and she basically want them to drop the students from the program and offer them to transfer to her program. I felt victimized. I was like how could she do that to me? And I wasn't even there for part of the conversation. But I got so spun up because of that. I was feeling I was blaming her. I didn't show up as I wanted to as a good professional. I emailed to Everybody talking about her and it was probably not the kindest person to her trying to get this stuff cleared away. And I was blaming all on her. So I was giving all my emotional power to this lady, right? Once I sat down and really looked at the situation and and saw that what was the worst thing that could happen, right? And I started looking through my thoughts and decide what I wanted to think about the situation, what was the best way to resolve the situation. In the end, all we want to do for both of us was just offer services to more kids, right? So if she didn't know how to do it, if I was in emotional adulthood, if I'm in control of my emotions, I'm better able to guide her to tell her if she's new to her position, I can tell her, hey, we do recruit in this way and this way, right? We work together as a team instead of one trying to take students from the other. It's amazing how it's so much easier to just go with blaming other people and putting all our power in their hands. So a chief financial mom, she strives to live in emotional adulthood and when she does not, like in my case, she can own up her mistakes rather than blaming others for how she acts. And then she can treat herself with kindness, forgive herself, apologize to others if it's necessary, and then she continues to progress. And in becoming a CFM who strives to act from emotional adulthood, you will understand that when others blame you, it's really about them and their lack of self responsibility. Of course you understand that if you're not acting out of self responsibility in emotional adulthood and when you don't, you act selfish, you blame, you throw a fit, right? Then you understand that when they're doing that towards you, it's not your fault, it's on them. Right? All right. So the fourth characteristic to become an achieve financial mom is values relationships. And I've quoted this statistics before in this survey of 2,500 U.S. adults that more than half 57% admitted to avoiding money talk with their friends purposefully. What does that mean? It means that they thought about talking about money but they refrained from talking about money. And in this recent study by Fidelity International specifically with women report that they women dislike talking about money so much that they would instead voice their sexual dissatisfaction with their partner rather than talk about money. In addition, the study states that 8 in 10 women confess that they have refrained from discussing their finances with those who are closer to while part of it is because money is considered taboo or too Personal to talk about part is because most of us don't have deep friendships. We rather get Amazon prime than ask our neighbor for a cup of sugar because we don't want to bother them. We would rather Uber than ask a friend to take us to the airport because we think they're too busy. And thinking this way, we stay more lonely. Some of us might have hundreds of friends online, but no one that we could call in the middle of the night when a husband needs to go to the hospital and you need someone to stay with the kids. According to research, loneliness is more damaging than smoking. Humans are wired for connection. Think about this. When you are born, when a baby is born in a family, if you don't have a social network, a caregiver, or someone there for you, the baby dies. Babies, literally, they need someone to take care of them. They need the social interaction, they need the social connection. And a lot of problems and traumas that adults have sometimes can be traced back to trauma for not getting close or having that connection with within the first three years of their lives. You might have heard already of the term attachment, right? So humans are wired for connection. And what is connection? Connection is the mutual weight bearing of one another's burdens and celebrating one another's joys. When was the last time you could tell a friend about something amazing that happened to you without worrying if you would make them feel diminished or if they would care? Well, we know that we cannot make anybody feel anything, so it's whatever their perspective on what you're telling them. But do you feel uneasy or do you feel hesitant in telling someone of something amazing that happened to you or something great and like an accomplishment without thinking, oh, I can say this to her, but she's gonna feel so bad because she's in such a hard place right now, right? You need that friend that you could go both ways. And scientific research shows that you don't need a ton of quality relationships. You only need one. And if you have that one, you're still gonna be good. As adults, we need to be intentional about making friends. I know sometimes it's so difficult because when we are kids, we go to school, so then we have all bunch of other kids that we can start making friends. Then you start growing up, you still going to school. Then you become a young adult, you're going to college, so it becomes a little more difficult, but you still have certain places that you go to make friends. But once you are out of college and then you get into a job, you stay in that job Then your chances of making more friends, they need to be intentional. You need to go after those things or those interests that you have in social settings so you can make those friendships. So any can be so uncomfortable. To make friends when you're adult can be so uncomfortable. Dr. John DeLoney from Ramsey Solutions, he talks about how when they moved from Texas to Tennessee, he and his wife decided that they need to make friends in this new place. So they decided to invite couples or families that they met, I guess at their church to come over and have dinner at our house. And they would come in and they would invite these people and these people would show up. It was so uncomfortable. Nobody had anything to say. And then all of a sudden, in the middle of dinner, he would look at that person, the guy, the husband of the other family, and he would say, hey, I have a question for you. And then he would ask if they would like to become their friends. And he said that the other couple had like the craziest look on their face. Like, what is he talking about? He actually had to be intentional about asking, hey, do you guys want to become friends? Like, if I need help in the middle of the night, can I call you? And you can call me when you need. Can we plan to go out together? You know, he had to make that decision and he said that was when he tells the story. It's hilarious because he has all his way to tell a story, right? But sometimes we're gonna have to go through that and it's so uncomfortable. But as you become an emotional adult that you know how to handle your emotions and you take responsibility of the things that you know that you need to have in your life. And having relationships is really important. Sometimes when we have this discomfort to have a relationship with other people, why is there the discomfort? Well, because having a relationship and being vulnerable is risky. You're putting yourself out there, you're sharing things about you and they might reject you, they might not like you, they might say things back to you. So it's always a risk, but it's a risk very well worth taking. So last weekend it was a holiday here and a couple friend of ours invited us over to their house to a party. And it was in another city and we decided to go. So my husband and I and our, our youngest daughter went and we didn't know anybody else, we didn't know their family. We only knew the husband and the wife and their two kids. We didn't know anybody else. We got there and all the thoughts I kept having in my Mind was creating that feeling of uncertainty and discomfort. And. And so the easiest thing is for me to go and talk to little kids because little kids are just so open and not that adults are not. It's just that's what I have in my head. So I went straight to the little kids and started playing with the little girl and talking to her. My daughter went straight to the dogs. She started playing with the dogs, right? And then throughout the weekend, we'd stay there for a couple days. And throughout the the time we were there, it got very uncomfortable several times. But I just sat there with my emotions and just enjoy their company and did it anyway. So sometimes uncomfortable. We did it anyway. And that's what's important right now. I do not recommend that you share too much or be too vulnerable right away to try to create a connection that is going to feel forced and that's going to be feeling uncomfortable to the other person. And you might just shut down the opportunities that you would have to create a real relationship with that person, real friendship. So don't go too strong on the vulnerability. Right? Number five. A chief financial mom accepts others and their right to agency. It is common for us to believe that we would be better if someone in our lives would change. A chief financial mom understands that she cannot control another person and there is nothing they could possibly do that will make you as happy as you want to be. All of the power to feel happy lies within you. Other people's behaviors do not impact you emotionally until you think about it, make an interpretation of it, and choose to make it mean something. Have you noticed that sometimes you just decide that you like something or you like someone. It doesn't matter what they do. You just love them. So that happens to me all the time. Sometimes it's just like I just like that person and that's it. So it doesn't matter what the other person did or did not do. I decide I like them and that's the end of it. So you can do that. Of course you can change your mind about them later if something start not aligning with the way your values are or what you think. Of course this could happen. But a lot of times we just decide that we like something or we don't like something and that we just stick with it because that's our decision, right? When you have expectations of the people around you and they don't live up to them, you're guaranteed to feel bad and resentment can grow. As a chief financial mom, take responsibility for how you feel regardless of other People's behaviors. This does not mean that you stay in relationships that are harmful or not serving you well. You need to do what's necessary to protect yourself. You get to decide what will you do with your time, how you're going to respond and when you want to make changes in your life. You want to make sure that you're thinking about those changes and what you want based on what you have control over. Once you're clear on your reasons and have made decisions, making requests and asking for what you need is okay. A CFM is smart for knowing that people may not do what she asks for and she decides what she will do next without resorting to manipulation, guilt tripping or feeling victimized. That is what a boundary is. It includes a request you make of someone to change a specific behavior and a consequence of what you will do to self protect if they violate the boundary. Again. Healthy boundaries promote self responsibility and empowerment leading to closer relationships with others after all. So this concept goes well with the concept that we use called the manual. We have these unwritten rules of what a person should do or should not do. We don't tell them and then we expect them to act in a certain way. Well, they don't. One, because they're not that way, or two, because you didn't tell them so they didn't read your mind. And so you get resentful and you get mad for what they did or did not do. And then you act as a child by blaming and complaining and reacting and throwing a fit. See how this all comes together? Right? So let me give you an example of a manual. When I grew up, my dad and my brothers would mess with cars all the time. My dad would get up early before he would go to work. And in Brazil we sometimes have to warm up the car. So he would turn all the cars that were gonna be used in the morning and get them all ready to leave. You know, he would clean out the windshield and there was a problem with the car. He would be the one saying, hey, I'm gonna take to the mechanic. He would make sure that was gonna be done. He'll make sure that the documents were in place and everything else with cars or there was a problem with the car, he would get it taken care of, right? Well, when I got married, I expected my husband to do all the things related to the cars. So he would have to take to get the oil change. He would have. There was a problem with the tire. He would have to get and get the tire fixed. He would have to pay the bills related to the tax and all that. Well, Neely's the same. Say that's not the idea that my husband had in mind for a husband. He wasn't going to take care of the cars. He did not do that. He kept, you know, pushing it, pushing it, pushing until procrastinating as much as he could. So then I would get frustrated, I would get mad, I would get so resentful and kept, you know, just playing this, this in my head. And like, he should have done this. He shouldn't done that. Until one day I figured out that's not what he's supposed to do because that's not what he's going to do. He hasn't been doing that. So why do I expect that he would do that? So I start taking the cars to get clean. I start getting the cars to get the oil change. I start getting the cars to the mechanic. And he would complain about the price of a bill for the mechanic. And I would say, well, it needs to get done. I took where I thought it was the best place to get it done. And there you go. And I would take care of the cars. The cars will run just fine. And there you go. So sometimes, of course, I would make a request and then I waited some time, personally, I would set a timeline for myself, and if that did not get done by then, I would go and do it. And that's when sometimes you get complain. I would get complaints about the bill from the mechanic that I took. Right. And of course, I started learning things. So then I start learning where to take the car for this or for that and. And so forth. But when you have expectations and you don't voice your expectations to others, or you have a manual for them, how they should behave, how they should do things and they don't know, then you build resentment. And that's a way to destroy connection. And we talked about how a chief financial mom knows the importance of connection. That's an easy way for you to fix the resentment part, right? You just have to make your choices, your decisions, and set your boundaries. Now, I can tell you that this is a faster way for you to feel better, to feel empowered and to feel in control of yourself than expecting someone else to change. Imagine if I would expect my husband to all of a sudden start just taking care of the cars and doing everything that I expected because I had my dad in mind. He's not my dad, right? So he does not act like him. And so that's an easier way for me to feel better. If I just take control of the cars and the maintenance and there you go. That made my life so much easier. Another important characteristic for a chief financial mom is to be at peace with her past. Many of us have past that are full of pain and negative circumstances, all sorts of problems, abuse or traumas. A chief financial mom knows that the past only lives in her memory and what was happening then, it is not happening now. The past only affects you by how you continue to think about it. You can change the narrative and how to tell that story. Have you noticed that even two people who went through the same experience will tell the same story differently? You know, if you have a sibling and you talk about certain things that happened in the past, he will tell, she will tell in a certain way, and you have a different memory also. Our memory changes as we grow, and as we change, we give different meanings. Even scientific research has done studies on how people remember certain things and how those memories have changed over the years. You get to choose how you think about it. What if you decided that whatever happened, it was supposed to happen that way and there were no mistakes, just lessons and preparation? There is no reason to argue with the past or wish it was different, because it's not going to be different. It is a waste of time and emotional energy. This is one aspect where the chief financial mom relies on her faith. If you have already repented of something that you did in your past or something that you did not do in your past, to keep ruminating and rehashing is not entirely embracing the atoning sacrifice that Christ so willingly did for us. Part of our memory retention is to help us avoid doing it again, not to keep beating ourselves up for it. Own your stories, forgive yourself and decide what you want to do next. If you want something new for your future, you have to do different things. And to do different things, you need to think differently. A chief financial mom does not define herself by who she used to be, but is future focused and open to new possibilities. You know, sometimes we have that exercise where you write a letter for your past. Those can be helpful. A lot of times I like to write letters from my future. So if I was two or three years older and I was in that time, what I would be telling myself today, right? Those things help me to see where I want to go, what do I want to become. Characteristic number seven is a chief financial mom has a vision for her family. Any organization that wants to grow and contribute has a vision statement, a focus on the future and the desired long term results of your company's. Effort. As a chief financial mom, you understand that the most critical organization in the world is the family. Your family. If something does not move the family towards the vision, it's easier not to spend time or money on it. CFMs understand the importance of setting and executing goals, but accept that not every member will contribute to the organization's success. Success. At the same level. She recognizes that every family member can make a contribution, even though it might not be the same contribution as the other ones. And she encourages them to do their best, to be their best, and understands that she cannot control what they do or how they turn out. A lot of parents look at their kids and blame themselves and tell themselves they're bad parents because how the kids turn out. Well, if that's the case, then Heavenly Father should have the lowest self esteem ever. Becoming a chief Financial mom means that we are striving to see our kids and accept their agency and to accept for who they are and what they're gonna do. But we do our best to be an example and to set a vision for the family. She understands that the vision is ideal and and the objective is to provide direction and look to where they started to evaluate progress. When we compare ourselves to the ideal and see where we are right now in our journey, we can only feel bad. We have to look at ourselves where we are right now and look where we started to evaluate our progress. Because that way we're going to see how much we've done so far and that's going to motivate us to keep moving, moving forward. Number eight A Chief Financial mom manages her mind well. The most important thing determine your success as a chief Financial mom is how you manage your brain. Most people desire results in their lives, but they're not 100% committed to accomplish them. The more aligned you are with the vision for your family and the importance of handling your finances well, the more commitment you have and the more motivated you will be to continue through obstacles and failures. How you manage your mind is as important as how you handle your finances. A chief financial mom knows that she gets to choose her inputs, what stays in her mind and how she's going to act. The model is a tool that we can use to help us create any desired results. Before we get anything in our lives, it is created in our minds first. The result is always the evidence of our thoughts. A CFM takes inventory of her thoughts and intentionally chooses what she will focus on. Whether to be curious or to judge and how to interpret and implement anything. Renewing your mind is a daily practice, just like maintaining a home. So every day in your home, you take out the trash, you sweep, you make the bed, and you do all those other little things that we do to maintain a house, we got to do the same thing with our minds. We look at our thoughts, we decide what we want to keep and what are the new ones that we want to introduce. Intentionality, or doing things on purpose is a choice, and it's also a skill that you can develop. Using the model is a powerful and effective way to develop this. Doing a thought download is the best way to start this process. That's when we take everything from our brain and dump it into a piece of paper, write it all down. Then from an objective perspective, you start questioning and demanding evidence for those thoughts. Is it true? Does this really happen all the time? Am I always? Once you have gone through them, the next step is to put it in the model. When you're doing the model, the unintentional model is that thought that's automatic, that comes up and you cannot control it. Right? It just comes up. So pick the one that's causing you the most pain after you go through all the ones that you wrote it down. During the process of the thought download. Managing our minds well can bring emotional and physical benefits. As we question and set down beliefs, our thoughts are not serving us anymore. Using this tool, we can help reduce and even eliminate the habit of ruminating or replaying scenarios in our heads. And since what we think creates our feelings, we can alleviate any emotional suffering. Translating, that's how you feel better. So now we get to the last one. Number nine. A chief financial mom seeks ongoing learning and teaching opportunities. Our prophet, President Russell M. Nelson taught. So today I plead with my sisters of the Church of Jesus Christ of Latter Day Saints to step forward. Take your rightful and needful place in your home, in your community, and in the Kingdom of God. More than ever have before, it would be impossible to measure the influence that women have not only on families, but also on the Lord's church. As wives, mothers and grandmothers, as sisters and aunts, as teachers and leaders, and especially as exemplars and devout defenders of the faith. Growing our knowledge and seeking teaching opportunities is essential to developing our capacities and influence around us. The Lord was very clear when he stated in Doctrine and Covenants 88, 118, 19. Seek ye diligently and teach one another words of wisdom. Yea, seek ye out of the best books words of wisdom. Seek learning, even by study, and also by faith. Establish a house of learning. Maintaining the habit of learning about finances and how to develop personally in other areas is essential in the world we live in today. Chief financial moms know the importance of sharing knowledge with their children. They know that the conversations they have at home and being intentional about the beliefs they pass on and the example they set are very important. Even if they have to go through the initial discomfort of talking about money. And with the country's financial state, it is more important than ever to talk about money. So youth make informed decisions about their future and work life at cfm. It is your responsibility to teach them. The brains of our children are now entirely developed to sift through all the information on the Internet to decide what is true and what they can trust. We talked about that in a different podcast episode and if you do not know something or have made a mistake, decide to learn together and talk about the failures. Christ's gospel is the gospel of repentance. Indeed, the process of repenting, making commitments and setting goals should be continuous. As President Hunter once said, we are promised increased capacity if we consciously seek to learn and consistently practice. President Harold B. Lee to be who God intended you to be as a woman depends on how you think, believe, live, and conduct yourselves as true examples of followers of Christ. So, I don't know, maybe you were waiting for permission to join in the finances of your home. Maybe you were afraid because you don't know anything about finances. Or maybe you're by yourself and you have no idea how to get started. Well, I am here to help you become the chief financial mom of your home. I am here to help you learn how to take control of all these parts of your life, to be in charge and lead your family to whatever situation you're going through. All right? And if you truly want to become the chief financial mom of your home, I invite you to come to my program. I have a coaching program that's going to teach you to become all these things and how to develop them. Because most of them, they're already inside of you. You just need a little push. So if you come in, you can try out my program for two free weeks. No credit card, no debit card required. You just sign up and you try out. Let's get coaching and ask me any questions. Come up and be part of a community. Join the CFM Academy and you are going to become the chief financial mom of your home. It's going to be amazing. I hope you've enjoyed today's episode. Remember to subscribe, rate and review. And if you're ready to invest in yourself. Check. 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's not your problem podcast Obrigada.