Organizing Your Finances with Nicole Rule from Greatest Worth — PCP 054

Organizing your finances is a really important step towards gaining wealth and having a vision for what you want to use your money on. I’m excited to have a guest that can give us all some good ideas on what to do!

Organizing Your Finances

This week’s guest is Nicole Rule from The Greastest Worth Website & Podcast. Her tagline is “make a life you love, start with your money.” Money is just the start for a great life! You can also find her on Instagram. She is part of the Abundant Life Virtual Summit which you can sign up for right now!

She also has a ton of free items that can get you started organizing your finances!

This post is inspired by my family budget posts — and you can also get the free download to work on your own budget!

[thrive_leads id=’32968′]

This episode is sponsored by The Organized Home. We aim to organize your whole house in that course. You can jump in for just a month or a whole year! Up to you!

Items mentioned to help you organize your budget:

How to prioritize your budget

Tools that you use to organize your finances — she uses You Need a Budget

How I organize my own finances

Why NOW is the best time to get organized

Nicole’s Worksheets & support

How budgeting formulas don’t always work!’

The tough part of managing finances together in a partnership

Other finance things that might interest you:

• My abundance budgeting post
• My other family finances posts
• My blogging for income series
• The episode where I talk with my husband about money

Producer: Drew Erickson

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Check out my other household tips podcasts:

Check out all my podcasts:

Transcription:

Hilary Erickson 0:00
Hey guys, welcome back to the Pulling Curls Podcast today on episode 54. We’re talking about money. It may not be your favorite topic, but today I’m having a guest on who’s going to talk to us about creating a life we love and just, you know, using money to get there. Let’s untangle it.

Welcome to the pulling curls podcast. I’m Hilary, your curly headed host on the podcast where we untangle everything from pregnancy, parenting and home routines. I want you to know that there are no right answers for every family and I find that simplifying my priorities is almost always the answer. It’s tangled, just like my hair.

If you’re listening on a podcast platform, leave me a review, thanks. Okay, today we’re talking about money. And if you guys have read my blog for a long time you know that I’m super super transparent about our money. I have a whole budget worksheet and I shared our actual family budget when our kids were a little bit smaller that you guys can check out.

I’ll leave all of that in the show notes. But today’s guest is the writer and owner of greatest worth blog and all the social media channels surrounding that I love her tagline though. She says make a life you love. Start with your money. Isn’t that awesome? So I want to introduce my guest today Her name is Nicole Rule.

This episode of The pulling curls podcast is sponsored by the organized home the realistic way to manage a home, reduce clutter, and clean less.

Ever wished you could relax with Netflix rather than worrying about the state of your home or that last paper you need? No more needing hours to prep for company. Be prepared for any doorbell. Let’s simplify organizing so you can enjoy life more save 15% with a coupon code untangled you can find it at point curls calm and the menu under courses or in this episode show notes. Hey Nicole, welcome to the pulling curls podcast.

Nicole Rule 2:02
Hey, Hilary, thank you so much for having me. I’m really excited to be here.

Hilary Erickson 2:06
guys. I’m super excited to have Nicole on to talk about organizing your finances because it is something I one hundred percent am obsessed about. Yeah.

Nicole Rule 2:14
Oh, good.

Hilary Erickson 2:15
It’s my Saturday morning ritual.

Nicole Rule 2:17
Really? Oh, I can’t wait to hear what you do.

Hilary Erickson 2:20
Yeah. So what has been your biggest struggle and keeping your finances organized?

Nicole Rule 2:26
Definitely motivation. So that’s why I’m actually excited to hear your story because when I was first starting, it was my husband who was all about the money and I literally ignored him, I would avoid it at all costs. And I had no motivation at all to get going with the money.

So I used to just see money as like boring numbers, and numbers that would like restrict me and not allow me to do the things I wanted to do so… and on top of that, it would cause like money fights. So it was like motivation to even… Get started because I felt like anytime I would engage with my money, it would lead to all these other things frustration, shame, guilt, fight with my spouse, all the things.

Hilary Erickson 3:11
Yeah. So it was just something you ignored,

Nicole Rule 3:13
Yep, totally ignored it.

Hilary Erickson 3:15
Yeah. Well, I mean, that’s fair.

Nicole Rule 3:19
I think it’s a real struggle for a lot of people. When I hear people, you know, they asked me like, how do you keep going even right after they’ve like, gotten started? How do you keep going? Yeah. And it’s, it’s, there’s a lot we’ll talk. We’ll talk about that in a minute that that kind of changed it for me. But yeah, the motivation to get started and even start paying attention was, it took a lot for me to do that.

Hilary Erickson 3:42
Yeah. And I think a lot of people are probably sitting at home thinking Me too. I don’t even want to look at it because it’s overwhelming. And it just restricts me like you said, I really liked how you said that. Because Yeah, I did end up taking a class about how I look at money.

So I grew up with a bunch of popular rich girls, and I viewed money as just mean girls, you know? Yeah. And so I really had to change how I looked at what money can do to us and what money could turn me into and that I wouldn’t have to be that person. Even if I gained money, you know?

Nicole Rule 4:12
Yeah. Even if it’s not like a mean girl thing. I think a common belief is that money is evil, right? So if you have a lot of money, then you must be a horrible person, because you’re taking that money from other people when I- you know, the truth is there’s a lot of super generous rich people out there doing amazing things in the world with their money.

Hilary Erickson 4:33
Right, yeah. And I think you just have to realize that it’s not just buying fancy cars. Yeah.

Nicole Rule 4:38
Yeah. And it’s it’s not a thing, right? Like it’s not good or bad in general. That was one thing that had to come to grips with money is it’s just an- it’s neutral. And it’s what we create with it and what we do with it and what we use it for, that creates the energy around it.

Hilary Erickson 4:55
Yeah, I love that and definitely had to learn that in my own life too. So.

Nicole Rule 4:58
Yeah.

Hilary Erickson 4:59
If anybody out there saying, me too. Yeah, I was in your boat. Yeah. Okay, so how have you turned it around? How have you turned around just wanting to ignore it?

Nicole Rule 5:08
Well, the thing that really turned it around for me is when my husband kind of came to me and rather than saying, hey, let’s talk about money, which was like a weekly thing, just like you guys did, or do, he would come to he came to me, he was like, Look, I have this dream.

Basically, I have this vision of what our life could be if we didn’t have all of this debt. And so then he like poured out this whole vision. And honestly, that really changed everything for me to know that like to hear, like your spouse, be dreaming and telling you these ideas that they had for your life together, in itself is a beautiful thing, right? But then when you start tying it, you’re like, Oh, my gosh, I see how you know, changing our habits for one year or six months with our money could put us in a completely different place than if we just stayed where we are.

And I can Continue to avoid it. So I knew at that point, so it was creating a vision together. He helped me to do that. And then also we through this kind of happened as we started paying off debt. But we had we started realizing that you have to know like what you want. So not only a vision, but also like what are your values and this is kind of a buzzword these days, values based spending, but you really need to know like what is important to you in order to know how to create a budget.

So once we created a budget that was based on our values, and our vision for the six months, year, 10 years, I like to make big giant dreams, then budgeting doesn’t feel so restricting because you’re like, Oh, sure. I’m saying no to this dinner out tonight so that I can say yes to that vacation that we’re going to take in six months. Yeah. So it, it completely can change your perspective on what money can do. Do for your life.

Hilary Erickson 7:01
Yes. I love that. Because whenever we’re saying yes to one thing, we’re saying no to something else and happens with money. It happens with our time.

Nicole Rule 7:09
Yeah. Yeah. Yeah, that’s such a good way. I think for me, so whatever what happened with greatest worth, and when I created this business is I found that really, our whole life is tied to money. Like it’s all kind of intricately interwoven. And so I created these pillars. So it’s, you know, money is the foundation, but then there’s health and relationships and work and your home.

And so money can kind of really either adversely or amazingly like affect those, those pillars, basically. So those other areas of your life so the way you said like, it affects our time, you know, all of it is interrelated. And if we’re not paying attention to our money, then you know, like, You’re what I found in my life is I knew I knew I was stuck.

I knew that if Did it change something that I would be in the same place forever? There was literally no getting out of it. I had we had $100,000 in student loans, like literally, we were getting nowhere. There was no progress month to month, we were actually going backwards. And so we knew that like money was the key to getting to making progress in all the areas and in starting a business in all these areas that I wanted to make progress in money was the key to them.

Hilary Erickson 8:30
Yeah. And it is just a key. Yeah, I mean, there’s there’s lots of keys to the areas Also, sometimes I’m like, Oh, I’d like a new kitchen. But in reality, I don’t want to deal with new tile, so I really just want countertops, maybe you know what I’m saying? Yes. Like you decide what keys you’re gonna put in to make it? Yeah, but sometimes money isn’t the answer.

Nicole Rule 8:49
Yeah, it’s just kind of using money to figure to figure things out. That’s what I ended up doing. So I hear what you’re saying money. Yeah. Like you don’t want to just throw money at things. For sure. And the other thing that I really like my mission in life is to help women see that I want them to find like clarity and confidence with their money.

I don’t want them to come to me and be like, What do I do? What is the formula? How do I- how do I invest? How do I do all of these things? And the truth is like, I want them to figure it out for themselves like what makes them happy? Like what will be what will be the investing strategy for them that will get them to where they want to be in 10 years?

Hilary Erickson 9:33
Yeah. Yeah, and I think as women I don’t know maybe men think this who knows but I see other so ours is our kitchen we thought let’s redo the kitchen and obviously a huge chunk of money right? We wanted to pay cash, not totally redo it, but the more I thought about it the pain of like ripping up the tile and how it would disrupt my entire life for like a month. Would that be worth it in addition to the cost of the money and then my husband and I thought about it, we just like I just like I want a new sink and new counters.

That’s what I really want. And so I think like I have it in my head because I’m a blogger and there’s all these bloggers with beautiful kitchens and I’ll never have that beautiful photo, but maybe I could if I just had quartz countertops, you know what I’m saying? But yeah, what did I really want and I think it’s hard to be like I really just want something you very utilitarian that my family can enjoy. That doesn’t inconvenience me. Yes, yeah.

Nicole Rule 10:25
Hilary,` I think that is like the perfect example because kitchens in our in our niches right are like buffing everyone has these incredible kitchens and these kitchens are so I mean you can spend like $50,000 on a new kitchen easy especially like a Pinterest or Instagram where the kitchen and not that there’s anything wrong with that if that’s really truly where like your happiness and joy lies but I’m with you.

We moved into this house two years ago and we haven’t touched our kitchen even though we both cook a lot and really enjoy Nice kitchen We both are like you we don’t want to spend the time and energy on it right now. It’s very functional the way it is. It’s not very pretty. I really don’t think it’s pretty at all but you know, we can spend time in there are our children are learning to cook and they’re just fine.

Like all the things that actually matter to us are happening within that kitchen. And so it’s really asking yourself the question, what is important to me is the Instagram were the kitchen the important part or, or is the wife what is important? You have to know those things because if Instagram kitchen is important to you, then you’re like, Okay, well, I need new tile then. On top of

Hilary Erickson 11:37
it, right? Yeah, right. Yeah, I totally agree with that. And I think we really have to add my husband and I had to come together because I think each of us was kind of thinking Oh, he wants the kitchen or I want the kitchen you know, and I was gonna say that I kept thinking well, we need white cat white cabinets. We do not have children that are white cabinet, people. clumsy, they bought And I am not a white cabinet person either. Let me not just blame my children. You know, we’re gonna chip those babies within minutes probably.

Nicole Rule 12:08
Yeah. That’s perfect to know about yourself.

Hilary Erickson 12:10
Yeah. So when my husband and I really thought about it, we would much rather go on a vacation or just have money in the bank for just in case but other than that Pinterest kitchen, and yay, yay for figuring that out. I love it.

Nicole Rule 12:23
Yes, I’m so proud of you for figuring it out.

Hilary Erickson 12:27
Yeah, we just did a new roof, which is not exciting at all. But way more important, because my roof needs to really function really.

Nicole Rule 12:38
Okay, so what kind of systems I love systems. What kind of systems do you have for your finances? Well, it sounds like my first thing sounds very similar to yours is we do weekly budget meetings. So I even have a freebie people can download on how we do our budget meeting. But it’s basically like communicating every week about our Money.

So we use why NAB if people are familiar with that, you need a budget calm. It’s just a budgeting software, which there’s lots of and honestly, you don’t even need a software. But that is our system that we use, you can just use like an Excel spreadsheet, you can use paper and pencil, I literally have a friend who paid off her mortgage using paper and pencil.

So just find a system that works for you. We use wine app. So that system every every couple days, actually we go in and make sure that transactions are importing and we organize it and put it in their categories because what we found is if you wait for a week to pass or month to pass, it’s way too much time and it gets really clunky, clunky, right or clumsy.

And then it just takes a bunch of time to do the actual budgeting which then Illinois people right especially if they’re new to it, they’ll be like what this is so horrible and awful. This is taking me two hours when honestly when we import them every like two days it probably takes me 10 minutes on that day, you know Just kind of check in with my money. See what you know if we’re having anything, any expenses coming up or we’re going out to dinner that night, what do we have in the dining out category? Just like checking in just like you would with a business budget, right?

I know a lot of like entrepreneurs, they can they can understand that as far as the business goes, but they don’t understand that as part of their personal finances. And it’s exactly the same thing. You you pay attention to your personal finances the same way you would your business finances. So those are the two things I do mostly. So I check in with wine app every couple days import transactions, and then once a week, my husband and I sit down and really, you know, it probably at this point only takes us like 20 or 30 minutes.

In the beginning it will take you longer because you’ll probably have some more heated discussions that like right at this point. It’s been like 10 years, my husband and I honestly don’t argue about money anymore at all. We can have disagreements, and it’s okay like we just kind of table it, let it go. But so the budget meeting itself is literally sitting down, you know, reconciling the accounts, which my Free Beacon will tell you what all of that means.

Hilary Erickson 15:10
Which I’m going to link to in the show notes. So definitely check that out. You guys.

Nicole Rule 15:13
Okay, yeah, I’ll give you that. And then the last part of it is talking through like, Are we still aligned with like, what our values are? Are we still aligned with what our vision is for the next month or two months or six months? are we spending based on that, because that’s really what it comes down to. It’s all the little things you do every day and spend money on every day or every week or every month that are going to kind of get you closer to where you want to be. So it’s really checking in every week and making sure that you’re still on track to do what you want to be doing with your money.

Hilary Erickson 15:48
Yeah, so my system is a little bit different. I think it can be hard for both, I wouldn’t, I wouldn’t tolerate it. Well, if my husband was in my budgeting software frequently. Also, we I use a system called money wise, which I don’t love. I used to use Quicken and then it just became horrible. But I kind of have like weird things in there that if I die, good luck to my husband, but I like to get in there and really look at it.

And then I have a separate one for the business. And I do that and I do it Saturday mornings when everyone else is asleep. I go in there and I do it. And one of the things I really enjoyed is celebrating when that total goes up, right? Okay. Yes, so long it was we don’t have enough money and me looking to my husband to be like, when are you going to make more money?

You know, he was a teacher. I was a nurse. So I would pick up shifts, but teachers, you get the money they give you so it wasn’t ever like he could add money to the pot. So now it’s just like, yeah, it’s going up and it’s so exciting. And I will say during quarantine, I don’t have a whole lot to categorize because we don’t go anywhere.

Nicole Rule 16:48
It’s so much simpler. So I’m actually telling people right now is a perfect time to get started budgeting because it’s so simple, right? Like my kids have no extracurriculars. Like literally no Nothing is happening this summer. Like there’s nothing to categorize.

Hilary Erickson 17:03
it really, this is really true. And if you know, people are going to be listening to this on the fall, we’re recording this early summer. But you know, if you’re starting in the fall, what a great fresh time to make a fresh start. Because, you know, you’re going to be in a new place, hopefully, please, hopefully.

Nicole Rule 17:19
Yeah, yeah, totally. And I think I think you know, fall especially for parents is a fresh start. Always. Yes. So who knows what will be going on with the kids at that point, if they’ll be going back to school or not, but nonetheless, we’ll we’ll be starting and it’s always like a, you know, it was it? You’ve Got Mail. Did you ever see that movie where he talked about like a bouquet of freshly sharpened pencils like, you know, that feeling of like fall and you know, starting a new school and all that so it’s a perfect time to start but

Hilary Erickson 17:51
yeah, and because our, our finances have been so different during quarantine. Now is the time to really assess does my kid need 12 after school classes Or were they just as happy coming home and coloring? Yes, yeah,

Nicole Rule 18:04
yeah, we are doing a lot of those discussions. I don’t know about you and your husband, but there’s a lot that we’re like, wow, that didn’t seem to benefit our family at all those activities that the kids were doing

Hilary Erickson 18:14
right. And, you know, some of them we’ve realized did yeah, maybe a benefited me because they were gone.

Nicole Rule 18:24
Yeah, that’s also good.

Hilary Erickson 18:26
Yeah. I think we really just have a lot more clarity maybe after this and can decide, you know, what’s really reaching our goals and what isn’t? Yeah, we are only eating out. And by eating out. We mean, we get takeout once a week. And I’ve realized the take out I’ve never really wanted to do cake takeout before, but I may enjoy it more with my kids, because I’m not stressed out about the restaurant mess and waiting for the food and all that kind of stuff.

Nicole Rule 18:48
Yeah, that’s a good point. We’ve been feeling that too. We also realized we never used to buy like frozen foods like processed, frozen pre made food and we started by With no so we don’t even do like takeout we just get like premade Chinese food from Trader Joe’s, you know in the frozen section and my kids are loving that stuff which is cheaper and easier even But still, I mean, I guess you’re cooking still but it’s like a one pot.

Hilary Erickson 19:16
It’s way easier. So less cleanup, less stress. Well, I think that’s probably easier than getting takeout, honestly.

Nicole Rule 19:24
Yeah. Yeah, definitely. And cheaper. Yeah, for sure. So

Hilary Erickson 19:27
I just, if you guys are listening in the fall, hopefully you’ve taken the time to really evaluate how you want to use your money. I think that’s a good time to do her. Yeah, for sure. Okay, so you use you need a budget, any other tools that you use? The only

Nicole Rule 19:40
other thing I was going to talk about, of course, is like a shameless plug for the workbooks that I have. Because as I kind of went through my process of paying off money I was I was following I was like reaching for everybody else’s formulas. Tell me what to do.

Tell me what to do. And then I kind of got to like a breaking point where I was literally crying on the floor. Like, I hate this so much. And my husband and I, that’s when we like created a vision and defined our values and did all these things. So that’s what I’ve put into my workbooks. It’s like a step one is figuring out your mindset. Step two is creating and defining your values. Step three is the vision. And then step four is where you actually create the budget based on all of that information you already have gathered about yourself. Because I think what we do so often is we go backwards, we start with the budget, and then we’re like, wait, and then we find people’s formulas, and we use those formulas.

And then you’re like, Wait, is this actually what I want to I want to be? I don’t even know, I’m trying to think of some of the things that frustrated me about the formulas. Well, if they don’t work for everybody, because we lived in the Bay Area, and if you paid 35% isn’t that what they say for your house? Like we would have had 25 we would have lived in a cardboard box. Yeah, we had to pay a lot. You know, the formulas are still working. And they would totally work in Phoenix because we bought at the low and now.

Hilary Erickson 20:59
We’ve been weigh less, you know, for a house here.

Nicole Rule 21:02
Yeah, that’s a great example is housing because sometimes to housing is really important to someone and they value that more. And so maybe they do want to spend more on that than they want to, then the formulas are saying or whatever, I just think it’s really important. And in the Bay Area, most likely, that would be an amazing investment to write if you bought something and it was like 50%, which would be stressful for you to pay for it. But then in the long run, if you go to sell it, you’d probably make quite a bit of money off of it.

Hilary Erickson 21:30
You know, normal people would. We broke even and I felt very grateful to break even where the market Yes, we just said, Oh, you know, but again, we moved and it’s fine.

Nicole Rule 21:42
Yeah, yeah. And then you got a great value on your other right. Yes, yeah.

Hilary Erickson 21:46
Yeah. Um, so what is your best financial tip for families? Do you think,

Nicole Rule 21:50
Oh, well, this is interesting, because my best tip might be in opposition with yours because my best tip was, if you’re in a partnership, do it Together, it sounds like you do some of it by yourself. You

Hilary Erickson 22:03
do broad swaths together. But the categorizing and the reviewing transactions make, that’s just you. Okay?

Nicole Rule 22:11
That seems fair, you’re almost you both review

Hilary Erickson 22:13
every transaction like, my business transactions are horrible because it’s 700 PayPal fees. So clearly, my husband doesn’t need to go through and do that,

Nicole Rule 22:21
right? No, we both don’t do them. It’s just kind of like, who gets in there first, we’ll categorize them. And then it’s like, at the end of the week, when we have our meeting, that’s when we’re like this. We’re discussing big picture. We’re not discussing the transaction. And

Hilary Erickson 22:35
we do that probably once a month. Okay, because our big picture isn’t really changing much right now.

Nicole Rule 22:41
And this is what I mean that people need to figure out what works for them. I do think though, if you’re in a partnership, your partner needs to know what’s happening with the money because what I find is a lot of women are trying to do all of this on their own. And the men are often it’s interesting because it actually is more women who are doing it The men and the men are like, Oh, she’s great at that. Like, like, in a sense, he’s supporting her. If it’s a, you know, opposite sex couple, in a sense, he’s supporting her, but like, in a sense to she’s on her own. Right.

And she’s shouldering this burden, when as we get older and older becomes even bigger, because then it’s like, investments and college funding and, and then it’s like, and then if you have bills and debts, like, do you keep them? Do you not keep them? Do you pay them off and you’re trying as a woman to make all these decisions for your family, and it just feels like too much. So that is my biggest tip is to do it as a partner.

Hilary Erickson 23:39
Yeah, partnership. I love that. So we kind of just go by percentages, and we kind of figure out the percentages on our own, but then I look, I’m watching the percentages, and if they seem to be out of whack, then we have a discussion about it. But for us, it didn’t make sense every month. So we have a discussion about like how much we should put in the college fund. So it’s just kind of based on percentages and what we bring in so

Nicole Rule 23:59
yes, That totally makes sense. We do it. I’ll say we do it like twice a year, that kind of big picture stuff like investments and college funding.

Hilary Erickson 24:08
Yeah. Well, and and when you own your own business, I don’t know what your husband does. If his job is more study he actually

Nicole Rule 24:14
had, he’s a realtor. So now he kind of owns his own business too. And

Hilary Erickson 24:17
it’s so weird to cry. It’s harder to deal with money that fluctuates a great deal when you have your own business.

Nicole Rule 24:23
Yeah, it’s hard to like, we’re going to say $1,000 this month, because you have no idea what’s gonna come in and what’s not going to come in you can predict, but it’s so yeah,

Hilary Erickson 24:34
different. Yeah. Which is why I like the percentages because it doesn’t matter if I make 4 million, which I do every month, clearly. 4000 You know, you can take your percentages and make it work. So yeah, that’s, that’s good. That’s good advice. Well, this was really fun. And I hope you guys like are gonna take this to heart and kind of make a change and definitely talk about it with your spouse, my husband and I actually recorded one on finances and things that we’ve maybe tussled over

Nicole Rule 25:00
Yeah, that’s awesome to be so honest about it because I think that’s the other thing with money is people don’t talk about it. It’s It’s embarrassing and shameful. And especially between partners, like you fight a lot about it, or even if you just fight sometimes about it, then that can be like embarrassing, but that’s the reality, you guys that is real. So thank you for sharing that with the world because I think that’s such an important thing. It’s like talking about sex and death, right? We have to talk about these things.

Hilary Erickson 25:31
Yes, or and we have to be honest with each other. And we need to be honest with each other with all of our friends saying this is a hard thing to overcome, because I think newly married couples think, you know, they’ve seen parents who have done this for a number of years and feel like it just comes naturally when in reality, everyone gets married and it’s kind of like you spend our money on what, what does happen.

And we all go through those Growing Pains as we, you know, advance into our marriage. Yes, for sure. Yeah. Or any relationship, you know, definitely boyfriends and girlfriends anymore because people aren’t getting married as much have this problem too. So yeah, yeah. Any partnership for sure. Yeah. All right. Thanks for coming on, Nicole. Thanks, Hilary. I appreciate it. Okay, guys, I loved having Nicole on. I love what she had to say. Because while money is so important, it is just a tool.

And I think we all have to kind of realize our feelings around money. I’m not that big on feelings. But I really did learn a lot when examining my feelings on money. So I would recommend doing that. If you guys are interested in more about abundance and all that kind of stuff. Nicole is actually a part of the abundant life summit, which is happening this fall if you’re listening, and I will have the link in the show notes where you guys can sign up for that as well.

Big thanks to our sponsor, the organized home, you know, we think of organizing as like books and craft supplies and all that kind of stuff. But organizing your finances is probably one of the most important things and it can really help us kind of set priorities about the things we want in our life and all that kind of stuff. So definitely check out the order. Nice talk. Thanks so much for joining us today. I hope we help smooth out a few of the snarls in your life. We drop an episode every Monday and we always appreciate it when you guys share and review. Until next time, we hope you have a tangle free day.