Is Your Partner a Financial Red Flag? Let’s Talk Love & Money 💚

This is Busy Getting Better, the podcast for women who are committed to prioritizing their own personal growth. I'm your host, Madison J. A mindset and money coach, a first generation wealth builder and a woman on a mission to help you master your finances and live your best life. Money is not all we are covering though because in order to live your best life you have to become your best self. So we are diving deep into all things personal development and bringing you the mindset shifts, money, tips and inspiration. You need to go out there, be bold and build the life you can't stop daydreaming about. It's time to get busy babe. Busy getting better. What is up? Welcome back to the podcast. You are in for a lovely treat today, pun intended. If you are listening to this live time, it is the week of Valentine's Day and so I thought what better of a time than to have a conversation around one of the most important factors when it comes to our finances and our financial health and happiness over our lifetime and that is our relationships. Who you pick as a partner in your life is one of the biggest determining factors of what sort of lifestyle you are going to live and overall happiness that you are going to have. Financial compatibility in a relationship is something that is not talked about enough and is so, so important. So we are going to get into it today. We are going to cover red flags in a relationship, we are going to cover green flags in a relations and we are going to talk about questions that you could be asking your spouse. Whether you are on the dating apps and actively on the market and swiping right, whether you are already in a relationship, whether you are in a long term committed relationship. It is never too early or too late to start having conversations about money in your relationship. And honestly, it's something that should be continuously brought up and talked about because things shift so so often. We are constantly changing and evolving. Our job statuses might be changing, our income statuses might be changing. Your life might be changing. If you are having kids, if you are moving. There's so many factors in life that impact our finances. So being able to get to a point in your relationship where you are able to comfortably talk about money and what it means to you and what it means to your goals and the life that you were trying to build. That's the goal. If you can have your a foundation built with your partner on being able to talk about money. No matter how stressful it might be, how uncomfortable it might be, like you've got to get to a point where you're, like, locked in with your partner, where you are on the same page, you can bring up anything good or bad when it relates to finances. Because studies show that financial problems are one of the leading causes of issues in relationships. It is one of the most common reasons that people end up getting divorced and one of the most common things that couples argue about in a relationship. And, you know, I brought stats because I love stats. I love to back it up with some facts. So here's what I found out on the good old Google. Money issues contribute to 20 to 40% of divorces. 20 to 40%, all because of money problems. Another study found that 40% of millennial couples argue about money at least once a week. Another study found that money was the most stressful topic for couples. Another study found that 35% of people blame finances for the stress in their relationships. Another study found that financial disagreements was the top indicator of a future divorce and that money issues are the third leading cause of divorce. This is a thing. This is a real problem. And it's because money is so integral in our lives. And if you have different views of money, if you have different lifestyles that you are trying to build, if you are not someone who is on the same page about what you want to do with your finances or how you want to split things up or all of that, it leads to stress. Because money is a major stressor in people's life. And so I am such a believer that when you lock arms with someone and you're like, yo, we are going to build this life together. We are going to build these goals together. We're going to go after this and we're going to make some shit happen. You have got to be on the same page about what money means to you and what kind of life you are trying to build. So let's get into it. Let's talk about first. Let's talk about some of the red flags to look out for in a relationship, because I think we can all agree we want to be on the other side of that statistic, right? Like, I want to be part of the population that obviously doesn't end in divorce, period. And if a whole third of them are because of money money, let's go ahead and figure out how to nip that in the butt right now. All right, let's get into it. Your five red flags in a relationship. Number one, avoidance of money. Conversations. If your partner wants nothing to do with talking about money, this should be a concern. If they are always saying it's Awkward or whatever, we'll talk about this later. Or ugh, I don't want to talk about this. This is a problem. We cannot be ignoring our finances. We need to be having conversations about it. If you are the person that's, I don't ever want to talk about this. Don't be your own red flag in the relationship. Sit down and talk about it. If you are not able to talk about finances with your partner, figure out why. What are the roadblocks? What are the hurdles if one or both of you grew up in a household where talking about money was super taboo or not? Okay. Or maybe conversations of money always led to arguments. It's okay if there was some sort of like root problem there, but we've got to be on board to fix it. We've got to be like, okay, this is uncomfortable and I need to figure out why and need to be able to work through this. But if there is just absolutely no desire to ever have a conversation about money, it's going to lead to problems. If you are ignoring the finances, if they don't want to talk about spending habits, or if they don't want to talk about future finance goals, if they don't want to talk about how you are actually going to accomplish these goals in this life that you guys are talking about building together. Red flag run. Okay, maybe don't run, but try and figure out a solution so that you can get on a good page where you are talking about money. But absolutely no conversations about money is a no go for me. Number two, A live for today, forget tomorrow. Like this, like YOLO mindset. Do we want to have fun in the moment? Absolutely. Do we want to have some like sporadic, spontaneous trips and adventures? Absolutely. But if there is never any saving, never any long term financial planning, and it's just like yolo, only this is a problem because guess what? YOLO does not really work when you live 80 years, right? Like, you sure can enjoy time and you can enjoy your life in the moment. But like we gotta be planning for the future and time is the best thing that you have on your side when we're talking about actually building long term wealth. So if you are just like throwing, throwing all of your young years away to this YOLO mentality and never putting money aside for future things like saving for a house or a wedding or traveling together or retiring or whatever it is that your life looks like, it's a problem. We need to be focused on how to balance the finances between enjoying life now, right? We don't want to sacrifice all the fun. Now we're not in the camp of waiting until we're 65 to enjoy our finances. That's absolutely not it at all. But we need to be able to find some sort of balance and being able to understand that we don't need to be just going out and like throwing money down on things left and right without actually putting some stuff aside for the future. Because I don't know about you, but I want to be with a man that's I got you, right? We're going to have the house that you want or we're going to go on the trips that you want to go on. You're not going to have to work for the rest of your life. I know for me, something that's really important is once I get to the chapter where I do start having kids and having a family, I want to be able to enjoy that. I want to be able to not have to hustle and grind so much. I want to be able to have set myself up and for us to have set ourselves up in order to enjoy that chapter. So for me, that's something that's really important. And you best believe I want my man to be like, yeah, absolutely. Let's put things in place to get to a point where that happens. Like, we need to be forward thinking. We cannot just be yoloing all of the money away. And if that is something that you feel like your partner is doing, sit down and try and have a conversation and be like, yo, this lifestyle is really fun. I'm having a great time. But how can we start to think about some long term finance goals? How can we start to, I don't know, maybe cut our eating out money into different buckets? Do we need to go out every night of the week? Maybe not. Let's have some fun Friday date nights and then also put some money aside for future goals. We gotta start thinking a little bit more long term. And also I feel like it's such a sign of love and respect when you're with someone who is thinking about what they want their life to look like with you five years from now, 10 years from now, 20 years from now. Right. Like, I want to grow old and gray with my husband and I don't want to have to be hustling my entire life. I want to be able to really enjoy life. I want to be able to slow down. I want to be able to explore all of this stuff. And all of that comes with forward thinking, future finance planning. That is number two. Number three, this is a juicy one. If your partner is being secretive about their finances, this is also known as financial infidelity. And there is a study that said 30% of people admit to hiding money or hiding debt from their partner. This is something that is probably a lot more common than people realize. And there's so many reasons that someone might want to hide money from their spouse. One could be shame or guilt if somebody has racked up a lot of debt in their life. I know I for sure felt like there was some negative emotions attached to debt that I had and I personally was motivated to try and get rid of it before I got into a marriage because I didn't want to bring that in into my relationship because I had a really backwards thinking of debt. Now I would have looked at the situation a lot differently. But we've learned, we've grown, we've healed all of those good things. But someone might have a lot of shame about those things. And even if they have shame or if they are embarrassed, that doesn't mean that they should be hiding it from you. Because could you imagine just all of a sudden getting married to someone and finding out that they have, I don't know, a hundred thousand dollars worth of credit card debt like that is scary because now you're going to have to tackle that together. And it's not that you wouldn't have been down to tackle it together. It's more so like it's lying by omission, right? Like not being upfront and honest about those things. So that's a really common reason that someone might want to hide their finances. Another common reason that this might come up is there might be some sort of embarrassment or uncomfortability around how much money someone's making. If you feel like your partner came from a different financial upbringing or just doesn't view money in the same way that you do, then there might be some disconnect there and there might be some motivation to hide how much money they have. If you have money in a trust fund or an inheritance or savings, or if you're someone who's done really well, maybe you don't want to disclose that to somebody else because you feel like they might view things differently. Maybe they're going to be like, we have all this money, why do we need to do X, Y or Z? But you have a different perspective of it. Being secretive about finances. There could be a wide spirit spectrum of why somebody might feel like they need to be secretive about it. But if you're not open to sharing your spending habits or having those financial discussions with someone, it could definitely lead to trouble in your relationship down the line. And I think that if you are in a situation where you feel like you can't be open with your partner about money, I think there's a really good opportunity for you to sit there and start to ask yourself why that might be. And is there a way that maybe you can start to have a conversation or with the partner about what that looks like? And on the flip side of that, like, if you're, if you feel like your partner is the one that's being really secretive about their finances, like, you gotta, I don't know, I encourage you to try and get to the bottom of that because the other issue with this is that if you just have no idea what's going on behind the scenes with the finances, how are you supposed to be on the same page? How are you supposed to hit your goals together? I think when you are viewing a long term relationship, a long term marriage, personally, I want to be in it with you. And the only way you can be truly in it with that person is if you guys are playing the same game. Knowing what rules you're abiding by, knowing what starting point you're at, what is the goal, what is the finish line, what are the milestones? And when you are not forthcoming about all of the information that goes into that equation, it can be really tough to feel like you guys are running at the same goals together and that maybe you are providing the same level of contribution to those goals. If you feel like the other person isn't being super open and honest, you with, with you about it. All right, Number four on the list is a major mindset red flag for me. If they are always blaming money problems on everybody else, if they are pointing fingers saying the system is rigged, my boss doesn't pay me enough, there's never enough money to go around. Like, it's just, it's always somebody else's fault of the financial situation that you or they are in. That is a problem. If you cannot take responsibility and accountability for your actions as it relates to your financial future, it's really hard to make steps forward. If you are always living in victim mentality saying, oh, inflation, oh, these jobs aren't paying me enough. It's honestly, so what? Like, you've got to figure out what to do about it. You can go get a new job, you can go learn a new skill, you can put yourself out there and start a business. Like, I understand that there are roadblocks and there are challenges, but if that is what you always focus on versus trying to find a solution, it's going to be really hard to make changes. And so if you're sitting there in a relationship with someone and they are just always blaming somebody else, it's maybe encourage them to look in the mirror, maybe encourage them to start shifting their mindset about what are the things that we can do to change this. Because just living in victimhood does not get you closer to your goals. It does not get you out of debt, it does not help you build wealth, it does not help you go on those extra vacations that you want to go on. So you've got to just really focus on what the solution is to the problem. So that is a major one for me because obviously I'm such a mindset girly. And I think the mindset is the thing that matters the most. And so pay attention to this. Pay attention to how your partner talks about their financial problems and who they think the problem is. Listen, we all need to vent. I'm not saying you can't vent. Your partner can't vent to you about shitty situations. But then it's what's the action after that that's what matters. And number five on the list. Your financial goals do not align. This is it feels like a no brainer here, but it's not because I don't think this is something that people really think about. Like what type of life do you want to live? Do you want to be working forever? Do you want to be traveling half of the year? Do you want to go live on a farm and raise chickens and bake sourdough bread? Do you want to climb the corporate ladder? Do you want to build a billion dollar net worth? Do you not care? Do you want to live a minimalistic life? Like your values and the goals of the life that you are trying to live have to be in alignment. If there is a mismatch here, there's always going to be a battle back. And for about what do we do with the money? Do we pay off debt because we want to live a debt free life? Do we go buy a next investment property because we feel like we want to take on this risk so that we can achieve more cash flow, more wealth, more equity? You've got to have these conversations. I feel like this was the basis of my relationship leading up to us getting married is just like constantly dreaming about the life that we want to live. What are the risks that we're willing to take? What are the sacrifices that we're willing to make. What are the goals that we are after? What sort of life do we want to live? What kind of house do we want to live in? What sort of bills do we want to take on? What kind of mortgage payment do we want to have one day? What does our dream home and our dream life really look like? Are we really moving in the right direction? Do we both want to travel the amount of times that we want to travel? Like the goals that we're going towards is, listen, I'm a bougie bitch. I'm like, I want probably a $3 million home somewhere in the Scottsdale, Arizona area. Haven't dialed in a neighborhood yet. But like it's probably going to be a couple million dollar home. Like I want a nice home. I want to be able to take the kids to Europe for the summer. I want to be able to be home with them when they are in their younger years. I want to be at all the events. I want to let them play sports, I want to let them do dance, like whatever they want to do. Guess what? That requires a shit ton of money. And so we are going to have to build our financial foundation in our systems to support that lifestyle. Now if I was like wanting this bougie luxurious life and my husband, while he is much more of a simple man than me and he is very content in life, if he was like, I just want to live debt free and just like coast and chill and not really try and go after what you're trying to go after, it would be a battle because we would not be taking the same type of risks that we're taking right now in our business. We would not be having the same type of financial conversations. Our saving goals wouldn't be the same, our investment goals wouldn't be the same. And that is a major conflict and a again, that leads to arguments, that leads to battles, that leads to divorce. And so being on the same page about the vision of the life that you're trying to create and what values you have and what's important to you needs to be a foundation. We've talked about five red flags. Let's go ahead and talk about some green flags. Some things where you're like, okay, let me look for the positive in my relationship. If you see these things in a partner, if you see these things in the conversations that you're having with your, your spouse, this is a great sign that you have a healthy relationship. You're on a good track with your finance goals. Number one, being open and Honest conversations with your finances. A financial healthy partner wants to talk about money, wants to be transparent. This could be about goals that you have, it could be about saving plans, but also about struggles. If your partner is open with you about, man, I've cracked up some credit card debt and it's stressing me out. Like, how can we make some changes in our day to day life to be able to get on path? I don't want to keep doing this. That's a really good sign of a healthy relationship and a major green flag whether things are going positively or negatively. Because guess what, Life is life. And you are going to go through chapters of both. And when things are going really well, it can be easy to just be like, yay, things are fine. But when things are not going well, how are you having conversations about what that is from an emotional perspective? What does that do to you in your relationship and your emotional well being as it comes to your finances, like the ups and the downs. We gotta be having open and honest conversations about both of those stages in our lives and in our relationships. Number two, again, we're circling back to mindset here because you know, I love a solid mindset. We need to see a growth mindset in anything, but we specifically need to see a growth mindset around money. Again, I recognize that we all grew up so differently. It is okay if your spouse, if your partner, if the person that you're dating has a different perspective about money and maybe has a different risk tolerance or has a different view about money or values, but if they are open to shifting, if they're open to changing, if they are open from changing their perspective of I'll always be broke, debt is so normal to things like how could I live a little bit differently? How could I have a different financial future? How could I do things differently than how my parents did them? How can I live a different life? Right? If they're starting to ask these questions and they're open to learning and growing, major green flag. We always have room to grow and learn. And with money, it's so important to not be stuck in our ways because a lot of times it's really easy to just recreate the same habits and the same beliefs that our parents had. And I don't know, a lot of people, you know, are following in their parents footsteps and that's fine. I think there's also a good chunk of us that are probably trying to do things a little bit different than how our parents did it. We live in a different world, we have different goals different values. And it's okay to want to change, but we've got to be able to have that growth mindset around asking this question. How can I make this possible for myself? How can I start to make more money to support the life that we want to live? How can I bring in an extra X amount of money? How can we start to put some more investments away for our net worth? How can we save more intentionally to go on these vacations instead of just saying, oh, we can't do that. Things are so expensive. We'll never have that home. Stop sending me these Zillow homes that are outside of our price range. Like, oh, dagger to the heart. I send so many Zillow homes. I'm like, can't you see us living here one day? And he's, yes, honey, looks great. Meanwhile, it's got like a 3 1/2 million dollar price tag to it. And I'm like, one day, we're future casting, we're visioning, we're putting it out there, we're manifesting. So we gotta have the growth mindset. Number three, we already talked about this one. But similar finance goals and values. It's really down to what's a priority. Do you want to be a homeowner? Do you want to travel more? Do you want to work till 65? Do you want to retire in your 40s? Do you want to live debt free? Do you want to build your investments up and skyrocket your real estate portfolio? There's not really a right or wrong, but you just got to be on the same page and you got to make sure that you guys are working after the same goals and you have the same values. Number four, handling financial challenges with maturity. We talked about the highs and the lows in life, right? Shit will hit the fan, something bad is going to happen, emergencies are going to come up, unexpected expenses will happen, right? I think we can all relate to all of a sudden, like, our car needs $2,000 and we're like, what the fuck? I was not prepared for this. Having a partner that can stay calm, that can communicate, that can help you find solutions rather than panicking, rather than ignoring the problem, rather than pointing the finger at you. If you would have just taken the car to the dealership like I said, then maybe we wouldn't be in this situation. It's, listen, not the time, okay? Not the time. So you want someone that handles it with maturity, someone that is a shoulder for you as a support system when things get rough. Are y' all in it together? Are you guys trying to fight these battles together? I feel like a really recent example for me in this was going through when I had to sell my out of state rental property. If you have not listened to that episode, go back and check it out all about how I became the landlord to 80 cats and had a terrible eviction and sold my home at a loss. That property was my real estate investment. It was solely owned by me. I was so stressed out by the end of that thing that when it came to selling it, you know who really stepped up and made sure that we got across the finish line? It was my husband. He was like, I'm going to call the real estate agent. We're going to get this done. We are in this together. That property was in my name, but he made sure that he handled it like it was ours, because it is ours. Because those are our goals, because this is our future that we are building together. So you need the cool, calm, collected partner that is just like locking arms and is we are going to figure this shit out. Let's fucking go. That is what you're looking for in the last one. This goes with the growth mindset, but really just like the willingness to learn and improve. If they were not raised with financial literacy, but they want to learn, fucking green flag. We love that a partner who cares about financial growth is a green flag. Somebody who's willing to listen to the podcast, to read the books, to invest in, a coach, to hire a financial advisor to whatever it is, to go to the conventions, to just listen and learn and figure out what are the things that you need to do differently in order to get on track for the life that you are trying to build. That is the ultimate green flag. How do we learn and grow together? That is love that. I love that. So start to ask yourself, how many of these red and green flags are you recognizing in your relationship? And also, let's go ahead and look in the mirror. Are we any of our own red and green flags? Because I think that you need to be the version of you that you want to see in a partner. If you want somebody that emulates all of these green flags, you better be showing up with green flags as well in your relationship. And just because your partner maybe has some red flags, maybe you got a little bit of red flags. It's okay, because you can change. Because we are growth mindset people. We are focused on learning and growing. And so just figure out how to start changing the narrative and changing the conversation around money. If you are looking for some very Specific questions to start asking your partner or talking to maybe someone you're dating with or to sit your husband down or your wife down and just start to be like, I think that maybe we should start to chat about some finance things and just really start to figure out how financially compatible we are and where are we at on this finance goals and values type of conversation? I'm going to run through some questions for you that can start to spark some conversation. So if you're like, yeah, I think that I'm probably due for one of these convos, grab a pen and a paper and write some of these questions down so that you can bring them up. I think a really great way to bring up a financial conversation with a partner or with a spouse is one not blindsiding them. If you're listening to this and you're ruminating and you've got some ideas and you've got some thoughts about things that you want to talk about, your partner does not know what's going on inside of your head. So don't just blindside them and sit down and be like, so what are your biggest money values? Can you tell me right now on the spot? I think the best way to go about it is to give your partner a bit of a heads up. Hey, I've been thinking a lot about finances and goals that I want to work on and areas that I want to improve on when it comes to money in our relationship. And I would really love to have that conversation with you because I obviously see a future with you or I believe in our future, or it's a really great time for us to talk about our goals as a couple and as a family. And there are some things that I'd love to discuss and get your perspective on. When do you think a good time would be for us to sit down and do this? Do you want to have, like a cute little date night where we can go out and have some of these conversations? Do you want to snuggle up on the couch? Like, pick your place, but let them know what you're thinking and why you're thinking and set the scene so that you can both head into this conversation excited to talk about the future that you want to build together. And then you can go ahead and whip out some of these questions and be like, yo, I was listening to this podcast called Busy Getting Better and she had some fire questions, so let me go ahead and read them to you really quick. Here are some questions that you can do to spark that combo with your partner. Number one, what is your approach to saving versus spending? When you guys have money come into your life, into your bank account, whether it's through normal income, whether it's through bonuses, inheritance, what are we thinking? Do we want to save a lot of that money? Do we want to go out and treat ourselves? What is your approach? Do you have a certain amount that you want to save? Do you have specific goals that you're working towards? Do you have spending goals that you're trying to hit, specific items that you want to purchase or trips that you want to go on? Start to have a conversation about what does saving versus spending look like for you when it comes to your money? Question number two. How do you feel about debt? Debt is like the boogeyman when it comes to finances. Obviously I already mentioned I got a twisted view of my debt and the weight that it put on my shoulders. Debt is one of those things that we've got to look at it from both sides. So when we're talking about how do you feel about debt, there is consumer credit card debt, there is car loans, personal loans, right? This kind of cat, this category of debt that has been labeled as quote unquote, bad debt or unwanted debt, it is just not leveraged debt. The other way to look at debt and have a conversation is how do you feel about utilizing debt to build wealth? There are plenty of people, if you follow like the Dave Ramsey methodology, they don't want any debt. They want their mortgage paid off, they want their cars paid off. They don't want to take on any real estate, any mortgage loans. That's a very different approach to building wealth than somebody who's yeah, I actually would love to go out and buy multiple rental properties. I'd love to leverage loans and other people's money in order to further advance our portfolio at a faster rate. So understanding how your partner feels about debt and how you want that to play into your finance goals is super huge and it's important. Next question on the list. What's your dream financial future? This again, you've got to forward think, what's the overall goal? What are we working towards here? And recognizing that you got to be super intentional about the life and the future that you are trying to create. What does that look like? Is it stacked savings accounts? Is it a certain amount invested in the stock market? Is it certain amount of rental properties that are either cash flowing or appreciating at a certain rate? Is it having your home paid off in 30 years by the time you retire so your monthly expenses are lower? Is it going on a certain amount of vacations a year? Is it being able to be a one income household when you decide to have kids? Like, is one person working while the other person is staying home? Like, what does your dream financial future look like? That one's a really fun question because you get to really get in, Ooh, we could do this. What do you think about this? Right? Like, have fun with this conversation. Next up on the list is how do you want to split finances in a relationship? There are so many ways to do this, and the right way is the one that works for you. You could split things 50, 50. You could split things based on your respective incomes. You could have one person pay for certain bills and one person pay for the other one. The important part here is that you guys are on the same page about what that looks like and that you both equally feel like you are contributing. If one person again wants to work while the other person stays home, we've got to make sure we're on the same page about what the value is in that relationship and that there's no dangling money in front of, of someone's face. So really understanding, like, how do you want to split finances in the relationship? Are we keeping our, our bank account separate? Are we combining our bank accounts? There's so much information on, on both of those things. You want to make sure you're feeling like you're in it together and finding something that works really well for the both of you. Next question. Again, another really, like, fun dreaming one. If you had $100,000 that just popped into your bank account tomorrow, what would you do with it? Would you pay off debts? Would you put them in a savings account? Would you buy your mom a new car? Would you pack up your bags, quit your job and be like, we go into, I don't know, Asia for a month or traveling the world. We're backpackers now. What would you do with $100,000 right now? Really fun and like, insightful, revealing conversation to have with your partner. And the last question I have on this for you is, what's your biggest financial lesson that you have learned so far? This, to me is a really great conversation starter because we've all gone through different things when it comes to our finances. We all have different money stories. And when you can understand what different finance lessons are, obviously this shows that there is a lesson to be learned there. There is hopefully a growth mindset. There is something that they are doing to apply in the future. And it can also really show you maybe like Things that they do or don't want to do with money in the future, which could be a really good eye opening conversation to have. And so I, those are all the questions I have for you. And I think if you feel like this is an awkward conversation, just start small. And I think just approach it from a perspective of no stress, like have fun with this, just try and be light about it. You don't need to figure out your entire financial future in one conversation. It is an ever going thing. But have fun with it and just really start to understand like where your partner might be coming from and what money meant to them growing up. And if there is some resistance, maybe that's why it's playing into it. And don't ever come at it like attacking someone. Like all of our financial decisions have sucked up until this point. Like we need to do something different and we're gonna figure it out right now. Right? Not that I think you would do that, but just understand that money has been a very taboo topic for a very long time and it could be uncomfortable to talk about. But starting these conversations as soon as possible is so important. Again, your financial future, your overall life happiness, I believe is very much contributed to the person that you pick to spend the rest of your life with. And so don't skirt around this stuff. Don't be afraid to set your foot down about what's important to you. And don't settle. Don't settle for someone that isn't willing to give you the life that you want, that isn't willing to work towards the same goals that you want to go after. You have one life on this earth and you deserve to experience everything and you deserve to find somebody that wants to lock arms with you and is, yeah, let's fucking go. Let's get after these goals we know we're going to find. We're going to have wins, we're going to have struggles. And no matter what, we're in this together and we're on the same page. You deserve to find that, you deserve to have that and you deserve to cultivate that in the relationships that you might already be in. And so just don't settle. Build a solid foundation for your finances and get out there and build that life that you cannot stop daydreaming about. All right, babe, that is all I've got for you today. If you are celebrating Valentine's Day with yourself or with anybody else, I'm sending you so much love this week. If there's anybody you think could benefit from listening to this episode, please go ahead and share it with a friend, post it on your socials, spread the word about busy getting better. And if you have not left a review yet, would you please send me a little bit of love today and go ahead and drop a review on Apple or on Spotify or wherever you listen to your podcast and leave the podcast a little bit of love. All right, I will see you on the next episode.