Loving Well and Leaving a Legacy

In this episode of "Nickles and Dimes," host Natalie Kime and Speaker 1 explore the themes of love, legacy, and financial planning. The speaker shares personal stories about their grandparents and experiences caring for aging parents, emphasizing that a true legacy extends beyond financial wealth to include love, family, faith, and community. They advocate for financial literacy, open family discussions about aging and care, and the importance of charitable giving. The episode encourages listeners to reflect on the legacy they want to leave, focusing on values and positive impact, and to take actionable steps towards achieving it.

• The concept of love and its connection to legacy.
• The importance of leaving a legacy that transcends financial wealth.
• Personal anecdotes about family, particularly grandparents and caregiving experiences.
• The significance of financial literacy and teaching children about money management.
• The necessity of discussing aging and care within families.
• Emotional complexities involved in caring for aging loved ones.
• The idea of financial legacy and strategies for wealth-building.
• The importance of character legacies and the values passed down to future generations.
• The impact of charitable giving and community involvement.
• Encouragement for listeners to reflect on their values and take actionable steps towards building their legacy.

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Transcript

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Welcome to the Nickels and Dimes podcast. Today we're talking about loving well and leaving your mark, leaving behind a financial legacy that lasts. This month, I've been talking about different aspects of love and how it ties in to what we do from a financial perspective for ourselves. In last week's episode, and this week, I'm going to dive a little deeper into how loving well can impact the legacy we leave behind. And I don't just mean from a financial perspective, because that's the world I live and work in. I mean, beyond finances. Let me use an example of my grandparents on my mom's side. Um, they left an incredible legacy behind that had nothing to do with finances. They weren't wealthy, and so it wasn't money that was passed on by them. It was a legacy of love, of family, of connection, of coming together and building memories, and I remember growing up as a child. We spent a lot of time together with my aunts and uncles and their kids, and to this day I cherished those relationships. But that was all because my grandparents focused on that, and they left that. They left that legacy. They left that consistency. They left that connection behind when they were no longer there. My mom is Polynesian. If you haven't heard me say that before on a previous episode, and that entire culture is very focused on family and on showing up for one another and on taking care of one another. And in addition to that, you know, I've spoken before about how my senior year in high school, my grandfather came to live with us and my dad worked nights, my mom worked days. And so they had an overlap in the morning on their schedules, and I was able to get work released through my school and take care of him in the mornings. And so I helped him get up. I helped make him breakfast. And you know, another thing that my grandparents left behind in their legacy was definitely faith. My I would get my grandpa dressed, get him fed, get him settled in his favorite chair, and I just sit with him. And a lot of times I'd sit on the floor next to him and he would lean over and he would put his hand on my head and he would pray over me. Now, at this point, my grandfather's life, he mostly prayed in Tongan, his native language. And so I didn't always understand the words that he was saying. But I could feel the prayer that he was praying over me and the blessings that he was giving me for my life. And so that sense of faith and a family is an incredible legacy that I'm so grateful for from my grandparents. And I know from that time of taking my grandfather or taking care of my grandfather. It meant a lot to me having the desire throughout my life to take care of my parents. Eventually, when they needed me. And I have the opportunity to do that now. And it's such a blessing to get to spend my days with them and to try and make sure that they have some sense of independence and dignity in their later years. But I want to talk about both aspects of leaving leaving a legacy behind. Not that everybody listening to this comes from a wealthy family or has significant wealth, but the ability to build what we have and leave it behind. I, I repeat the quote, and I don't know originally who said it, but that I don't come from a wealthy family and therefore it's my responsibility to leave one behind. And I mean that in much more than just a financial perspective. I hope I leave that legacy of love and of faith and of coming together, and that my son carries that on with his children and their children and so on and so forth. But let's be honest, you know, money is not the solution to everything. Money does not bring happiness, but it gives you the ability to do the things that make you happy, that create happiness. And that's what I hope to leave behind. Not to leave a silver spoon in my in my son's mouth or my grandchildren's mouth or my great grandchildren's mouth. But to give them opportunities to pursue in life the things that make them happy. Because of the work that I did during my own life, pursuing what made me happy. And so that's what we're going to talk about today. First, I want to start by talking about, you know, what does it mean to love? Well, love is beyond words. It's truly action. It's how we manage ourselves. It's how we show up for the people around us. It's how we manage our finances that give us the ability and the freedom to do those things that bring joy, that bring happiness, and how we show that to others, how we're. An example of that in our personal lives and out in the public when we're around other people, the way that we live, the way that we show up, and the way that we support and care for other people represents love. And that's the kind of thing that you can continue to build over time and leave that legacy behind. Love is the importance of providing for family, ensuring that there is security and giving them the tools to succeed. It really starts, in my opinion, in my opinion, from a financial perspective in teaching kids financial literacy. Have the conversations in your home that help children to understand from their perspective how to save and if something's important, how to work for it. So then you're developing healthy financial habits. But you're also helping them to develop a work ethic along the way. And that impacts every area of their lives, including their finances. Are you willing to work for the money to be able to live the life you want? To be able to make a difference in the world. To be able to give to your church, to give to causes that are important to you. It's important in our families to have conversations about the future for the aging members of our family, our parents, grandparents, and so forth. What do they want those later years to look like in their life? And who wants to be a part of helping to make that happen, whether it's just from a support perspective or from an actual caretaking perspective, like I do with my parents. My son and I had this conversation a few years back, as I was going through the process of setting up my parents trust, and my brother and I were having these hard conversations with our parents. And believe me, their hard conversations, there were a lot of tears and and things like that, because you're talking about the reality of our mortality and a time when people that you love are no longer going to be here. But on the way to that, how do they want life to look? How do they want their final years to be spent? And of course, as children, how we wanted to make sure that we could support them in that. Now, not in every case. There's not somebody who maybe is wired or has the desire to be a caretaker in those conversations need to be had as well. And they can be difficult conversations. But I've said in many episodes before, y'all, if you do not feel called to be a caretaker, if you do not have the desire to do that, I don't recommend it. It's not a walk in the park. I feel like having my parents here every single day in my home is beyond an incredible blessing. It is also hard and there's a lot of emotions as your parents age and they see and feel their own independence slipping away. And in my case, you know, my my mom and dad have been married. Gosh. What is it? I think 56 years, 57. This year I think it will be. And my dad, because my mom has dementia, sits and watches the love of his life disappear a little bit more all the time and become less capable of doing a lot of the things she used to do. And that's been an emotional journey for him and a bit of a battle at times. And when you have somebody that's losing their memory, that gets stuck in a cycle of asking the same questions over and over, learning a new level of patience and trying to learn, maybe not learn, but trying to understand that wheel needing to understand really that that's beyond their control. And sometimes that can help to to feed and grow that patience that we need to navigate through those times. But it's just important to know what is it that the people in your life want? When my son and I had that conversation a few years ago, like I said, you know, he said, mom, I love you and I want to be close to you, and I want to be able to be there to support and care for you in a lot of ways. But I don't see myself as a caretaker with you, you know, living with me and me taking care of you. And the ironic thing is, is I've always looked at it like, hey, when I'm getting to the point in my life that either I can't or I no longer want to manage some of the things that come along with having a house and a yard and all the things I could see myself easily retiring into a community where I'm around people that are going through the same things I am, that I can build relationships and friendships in that community and still have a great, amazing, thriving life. But I can have a lot of things provided for me as well. And nowadays those communities come with the ability to bring in nursing care when it's needed and things like that. And so I told my son, hey, I've always kind of seen myself doing this. And, you know, in those communities, being able to travel and and participate in the activities that they provide for their residents and things like that, but that when I need that additional care, it's there. And and so we had that conversation, and I think there was a little bit of guilt for him telling me, mom, I don't I don't want to take care of you on a hands on basis from a day to day perspective. And it wasn't that I kind of saw that coming from him. It's just the way I saw. As I get older, I want to maintain my own independence for as long as possible, and none of us want to be burdens to our kids. My dad says that to me all the time. You know, I hope we're not a burden on you. And I've reframed the word burden and I've talked about this before, but to me, it's not a burden in the sense of it was forced upon me and I have negative feelings about caring for my parents. It was a choice for me. However, it is still a burden, but a burden in the sense of added responsibility. Not from a negative perspective, but just added responsibility. It is similar in some ways to having small children again and wanting to make sure, okay, did they did they get fed or are they eating healthy? Are they exercising? Oh my gosh, is there something that they could fall over or trip over? Or are they going to get hurt or whatever it might be? You're just so much more hyper aware because you have other people depending on you. Again. And so it's a lot. It's absolutely a lot. And that's why those conversations are so important. I think oftentimes those conversations aren't had. And unfortunately situations maybe get forced on people. And a lot of times I think that has to do with the financial aspect to to put somebody that you love and care about into a nursing home or retirement community is not an inexpensive thing to do. And so if there hasn't been proper financial planning along the way, sometimes people get forced into a caretaker role because they don't have a choice. They don't have the means financially to provide differently. And that can be a recipe for disaster. So it's so important to have those conversations to plan for your aging parents or your aging loved ones, and make sure that under make sure you understand what they have in place and what else can be done to be sure that the means are provided, the means are there to provide for what they need when that time comes. And then also like think about the causes, the communities that matter to you, whether it's faith based through your church, whether it is organizations that You volunteer at, or areas of need within your community that you want to leave a legacy behind? Think about those things and start creating an outline or notes about what you want to create. And then as you move towards creating those things, the finances to back them or whatever it might be. You already have an idea of the direction you want to go, and then when you set up your trust, you can build inside of that those components for those different areas. My trust definitely includes all of that. It's leaving behind, hopefully a financial legacy that can make sure my family always has a roof over their head and food on the table, but it also gives back to organizations that I currently volunteer in to my church. My faith is very important to me, and so structure all of those things into that plan. And as you build towards that, have those categories there so that, you know what you have, where it's going, and you make sure that you get it documented in a way that your wishes can be honored when you're no longer here. So now let's talk about what does it mean to leave a legacy? Well, there's the financial legacy I've already mentioned, right? Utilizing wealth building strategies that will last well beyond your lifetime. Like I said, money does not create happiness, but it creates the opportunity to do things that make you happy or that can create happiness, happiness for others. And so you can certainly structure your finances, as I was just saying, within a trust to do exactly that. Not to just drop a big lump sum of money in somebody's lap, but to give them the opportunity to go to school and chase their dreams from a career perspective, or start a business, or make sure that there's resources for generations to come to buy their first home and, you know, plant roots somewhere and build memories inside. Inside of that home with their family and their loved ones. So whatever that looks like from a financial perspective for you, you know, framework that make sure you know what you want to leave behind and that the wealth building things, the wealth building products and activities that you're participating in will feed into what that looks like in the future. So basically, have that as part of your financial goals and be talking to your financial professional about how you can create those things along the way. There's characterless legacy, the values and principles you pass down. What kind of example are you setting within the walls of your own home, within your community, within your your church? What what kind of example? What kind of what kind of legacy is important to you there? Is it practicing your faith? Is it spending certain time volunteering and showing a legacy of giving to others? Giving back to those around you who are maybe less fortunate, or maybe struggle in ways that you don't? Think about that. How do you want people to remember you? How do you want them to remember your character? And how do you want to pass those traits that you have in those areas onto the people that you love and care about? And then there's the impact legacy, the difference you make in the world. You know, I talked already a little bit about volunteering and things, but the opportunity for you to mentor other people who maybe are interested in what it was, what it is you do from a career perspective, or for me, I would love the opportunity to mentor young single moms because I was one once. And to pour into them the knowledge and understanding that they're going to be okay, they're going to going to figure out a way through, but make sure that they know and have at their fingertips the resources that can help make make some of that, that process and some of the things they're going to face a little bit easier along the way. So how do you how do you want to influence other people and make an impact in in your community? There is a difference between just loving leaving money and leaving a legacy. And I mentioned that a little bit before. Money creates the opportunity to do things that make you happy. It also creates the opportunity to make a difference in people's lives, especially when you give back into your community. I volunteer at a gym where a lot of the athletes that come through are disabled veterans. There's also all different kinds of disabled people that come through there, and to be able to show up and spend time with them, I always say I have gained more from being there than I have ever given, and I'm so grateful and appreciative of that. But to know that that place exists, and to have seen how important it is to the people that go through the program they have there. That is something that I know I want to create an opportunity to give back to for years and years to come, and even beyond my lifetime. And so being able to continue to make a difference and have influence when I'm no longer here is something that's incredibly important to me. So if that's something that's important to you, think about what those areas are. If you're not already showing up in those spaces, if you're not already volunteering, like I'm just going to say get off your butt and go do it. I, I know for a long time I said, I want to do this, I want to do this, I hope to do this. And I even just said it about mentoring young single moms. That's probably something I need to look into. How can I do that? How can I create that opportunity for myself now instead of saying it's something I want to do, but make it something that I actually do, and therefore I can get immersed in that world and understand more of the resources that they need and try to help make connections now and in the future for programs that support those single mamas, uh, that leave a legacy and of influence behind. All right. So let's talk about building that financial legacy, something that can last. Number one, you got to start with a vision. What do you want. What do you want to create from a financial perspective. And define what that that would mean to you. Think about what you want your family in the world to remember about you. Understanding that desire or that why that part of your why can help drive you to conversations to actually create it? How can I be building wealth in a place that can impact these areas that are important to me, and work with a financial professional that can help set things up for you. Number two, build and protect your wealth. So once you have those goals in place, obviously building wealth for yourself, for retirement, for your own future, for your own family when you're no longer here, and then those other areas of of importance in your community and your church, whatever it might be, set those financial goals and put things in place where you're working towards them, and then continue to build and protect that wealth. Make sure that that wealth you're building is in places that it can't disappear. Meaning, would I throw all my money for my legacy into the stock market? No, I'm going to put it in place as it's protected while it's growing so that it can pass along utilizing life insurance, estate planning and trust structures to make sure that not only am I creating what I want, but it's going to go where I want when I'm no longer here. you can leverage cash value life insurance and annuities to create generational wealth, and that is something I'm focused on. That is something that I put in place for my parents. It's something that I'm actively working on as well in my own financial plan, and my son is already doing the same at almost 24 years old. So building that legacy while you're still here, that example so that other people follow it, and then when you're able to leave that behind, it just carries forward through that example you left when you were here for generations to come. Being smart about your investments, which means getting a financial education, y'all, I talk so much about, that's why I started this podcast, is to get information out to more people so they knew it was available to them. They knew how to utilize resources. They knew what resources were available to begin with. And then you pair that with the goals that you have short term, mid-term and long term, and even beyond your life and you can create amazing, beautiful, wonderful things. Teach and transfer knowledge that financial education. Sitting down with somebody. If you don't have a firm foundation in your financial knowledge, you are always going to feel like you're chasing the eight ball or you're missing the target because you won't be taking advantage of everything that's available for you. And even if you're good at saving and, you know, putting money away to secure your own financial future, you might not be using a tool that could actually build that wealth faster or more protected if you don't understand it. So take the time to sit with somebody like myself. I am always available. I say all the time, I would be happy to sit down with any one of you that wants more financial education, more information about how you can actually turn your goals and your dreams into a reality. So please reach out. In the show notes, there's a link to send a message to me. You can also follow me on social media, on Facebook, on Instagram, on LinkedIn, I'm under Natalie McPhee, and on TikTok I am the financial caretaker. So you can always reach out to me through those methods as well. And let me know that you'd like to have a conversation, and we'll start with the beginning. Make sure you're having those open conversations about money, wealth, and stewardship. I talked about doing that when planning for your future and your aging loved ones, but you need to be having those conversations now for yourself, with your family, what you're creating, what you're establishing, why it's important to you. Share what you're doing because it is an example to others of the things they can do to maybe their goals and dreams are different than yours. But if you show them that there's the ability to create whatever it is that they want, then they can go do the same thing. And I don't just mean in the walls of your own home. Have those conversations with your coworkers. Good grief. In corporate America, when we talked about all the all the gossip in the workplace, uh, Hollywood gossip shows, we watch things like that, but we were never really talking about the things that add value to our lives and influencing one another through those conversations. So take the opportunity to do that. Have those conversations with your friends about what they're doing. You might learn something or find out about something you didn't know that you're like, hey, I'd like to do that. I didn't even know that was possible. So having conversations is vitally important every step of the way in what you're creating today, what you're creating tomorrow, and what you want to leave behind when you're no longer here. Give generously and intentionally set an example of that. Of that. Not from a perspective of being braggadocious or saying, hey, I gave this much money to this place. You don't have to do it like that. But if you're volunteering, if you're giving of your time, if you're giving of your finances, involve your kids in that. Reach out to your friend group and say, hey, I want to sponsor, you know, this community thing that's going on and all the proceeds go to this cause that's really important to the to me. Would you guys join me in that effort? Would you? Would you help me make that happen? Invite people to participate in those activities with you. And that's that's an example of generosity and intentionality that you're passing on. If you volunteer in your community, take your children with you. Let them let them participate in that as well. Let them have those feelings of giving back to somebody else that can fill them up and overflow their own cups. My son has volunteered at the gym with me when he was home on leave from the military. He would go with me and volunteer and help a lot of those athletes. And since he's been home, he's done a couple of programs with them as well. And so it's been fun to be in there with him and seeing the impact on him, especially because so many of those athletes are veterans and my son is as well. So he's giving back to other veterans who unfortunately didn't come home as healthy as he did. And but he builds amazing relationships and the things he's learned and the impact that those people have had had on him as a mom is amazing to see, and I'm so grateful for that. Let's talk a little bit about leaving your mark in the world, the work that you do, the influence you have, the relationships you build through, the work that you do are so important. How do you want to be remembered for what you built? From a business perspective, or how do you want to be remembered in your job and the difference you made for the people you worked with, the companies you worked for? Make sure you're showing up as your best self, and you're finding ways to positively impact everyone and everything around you. Align your faith, purpose, and finances to serve a bigger mission. I had my my biggest month in my business in January and. I'm super proud of that. It's it's been a long time coming, and I'm incredibly excited about the difference I made for the families I helped that generated that income for me. I'm also excited about what that income did for me and my family. But just the other day on one of our team calls, one of the owners of our company shared that I was in Phoenix, Arizona at a boot camp training for the weekend. When that check hit my bank account and when I showed up, everybody was saying, hey, did you open your bank account this morning? Because we all know when when payday comes out. And I said, yeah, I did, and I did a little happy dance. And then I looked at my direct mentor and I said, I can't wait to pay my tithing. It's going to be the biggest single tithing donation I've made in my entire life, and I can't wait to do it. And one of the owners of the company overheard me say that to him, and he shared it on our call the other day, and it just even saying it now. Um, but hearing him say it too, it just brings back that feeling of gratitude that the work I do makes a difference to the people that I help. Yes, it makes a difference to my own family via income. But because of my faith and my values and my desire to give to my church, to tithe and to follow, what I believe I've been directed to do in that area means that not only am I helping those families that I sit down with, not only am I helping my own family, but I'm helping my church. And my church has efforts that help more families that that change people's lives. And I, I get that that overwhelming feeling of gratitude to know that I'm playing a part in that. Supporting those efforts. My name's not my. My name is on my donation. But not everybody in my church knows that. But I know that I'm giving to the programs they have in place that help people change their lives through faith, through support, when they're going through difficult things. And so I'm super grateful for that. The other thing about giving generously and intentionally is passing on wisdom and opportunity to other people. Be willing to share the mistakes you made and what you learned from them. People. Come on. Save somebody else from doing the same. Although, I'll be honest, you know, uh, well, I think I think as a parent. Right. You think about those those times you try to teach your kids lessons that you learn the hard way, hoping that they'll that they'll do better and make better choices along the way. And often they don't because they're a little bit like you, maybe a little stubborn and gotta figure it out for themselves. But that doesn't mean we don't stop trying. I know there's a lot of ways that I maybe didn't pass on some of the things to my son that might have made it easier. I shared them and he did his own thing, right? Just like I did from my parents. Uh, I am a glaring example of this topic, for sure. My my parents try to tell and teach me a lot of things, and I was incredibly stubborn and walk to the beat of my own drum and. Got hit in the face, uh, quite a few times along the way. But I know for a fact, because my son has shared things that some of the things he's seen me do and some of the things he's seen me accomplish. He shared with me how they've impacted them or impacted him, and how he's grown from seeing me go through different situations. And so I know that I've passed those things along without even intentionally doing those a lot of times. But give people the opportunity to grow, to be around you, challenge them. I challenge people all the time. Sit down with me. Let's just look at your finances. Why do I do that? Because it's an opportunity to for them to them to learn something they don't know. It's an opportunity to create financial freedom for their families. Time, freedom. If they're looking for an opportunity with the business and an opportunity to build the financial future that they truly want, so they can do all the other things that are important to them. So think about the things you have, the opportunities that you could share with other people to bring them in and to give by including people around you. Be intentional about that. Today's episode I really wanted to carry on that idea of loving well, loving others well through what your intentions are in the future. It all starts with the example we set in our everyday lives. Being here, being intentional with your time, your relationships, and your financial planning. I want to leave. Yes, I want to leave a financial legacy behind when I'm Not here. I want to leave that financial legacy behind. So it gives the opportunities that require money to my loved ones for generations to come. But even more than that, I want to leave a legacy of happiness, of time spent together. Relationships built together. A focused effort to become our best selves together. And I want to leave a legacy that they knew I was available for them. I gave them time. I gave them attention. There were a lot of times, as a single mom, I felt like I lacked in that area, being able to give my son all the time and attention that maybe he deserved and wanted. But I'll tell you what, my son and I have an incredible relationship and he no longer lives at home. He lives about 15 minutes away in an apartment. But I see him well. I watch my grand puppy for him about three days a week, so I definitely see him on those days. You know, the quick drop offs and pick ups before and after work. But he comes by a lot just to hang out. And is it for the parents out there? I'm sure you would say the same. That feels good. Or that's something you hope to have when your kids get older if they're still young. But that all comes from having hard conversations along the way. Letting my son see me fail, making sure I left the door open so that he knew he could talk to me about anything. And I'm proud to say I'm still the first phone call or text he makes whenever anything is going on in his life, and that comes from him. That comes from having set that attention. There's a lot of things I couldn't give him growing up, but I made sure I gave him that, and I'm proud to say that it's had an impact on who he is and who we are together as a mom and a son at this point in our lives as well. A true legacy is so much more than money. Money is opportunity. It's a tool. Teach your kids how to use it. Teach your loved ones how to use it. Teach the people around you that are important to you how to use it. But make sure that you're not just passing on, that you're passing on the values that you have. Be an example of kindness. Be an example of showing love to others by giving of your time and attention. By showing up for somebody that's struggling. By joining a program that gives back in your community. My community has blessed me in so many ways over the years, especially as a single mom when I was struggling financially. My community gave my son and I Thanksgiving and Christmas one year. And at the time when I was approached about being included in their programs, Grams. It was a little mortifying and a little embarrassing that I needed the help. And as I was feeling all those feelings, the feeling of it's okay to get help, it's okay to accept help, because if I don't, I'm taking away someone else's blessing. Of being a blessing to me and my son. And so I'm incredibly grateful. And I find ways when I go through the house and clean out clothes, or I get new furniture or new dishes or new anything, you know is the stuff I have worth donating that can make a difference to somebody else. And so every year I make a couple of trips over to my local community center that gathers donations. I've done this to some local churches in the area as well, and I give those things, you know, obviously if I'm getting rid of stuff, that's junk. I get rid of the junk. But if I have the ability to donate something, that's always a priority to me because I was that person once that needed that help, that needed those things at a discounted cost, and I was able to get some really nice things through some of the community programs, and I want to pass that along. And I know that's an example my son got to see as well, because we always did those with his things or his toys. He grew out of clothes he grew out of. And so that was that was a way that I took him with me to see that we had the opportunity to give to other people. You don't have to be ultra wealthy to build wealth with impact. There's so many ways that you can do this. If I go back to my grandparents that I started this episode with, they didn't leave a lot of money behind, but they left wealth in so many other ways. They left a legacy of wealth when it comes to family and loving well and having incredible faith. And you can't put a price tag on that. Yes, I want to leave a financially financial legacy behind so that it's a tool for future generations to use to bring themselves together and bring community together and build what matters most, which has nothing to do with money. I want the people I care about to have opportunities, but I want them to remember who I was because of what they saw in me. And if that's something that's important to you, identify those areas in your life and just start little goals on how you can start showing up there. Just start. If a financial legacy is important to you, are you doing things to build wealth? If not, just start. You can start small. It's not an overnight thing. It's something that you build over time. So I want to challenge you guys. If you hadn't haven't started building that legacy plan, schedule a time to talk with me. If you have a financial professional already, schedule a time to talk to them. Make sure the person you're talking to is willing to have all those conversations, and look at every area that's important to you, and help make sure that your wealth plan can encompass the legacy that you want to leave behind. Share this episode with somebody you know that needs to hear it. That needs to think about the kind of legacy they want to leave behind. Take a listen to this episode with your family or your friends, and have conversations about the ways that you guys feel like you're building a legacy that matters and then reflect. How are you loving well? how are you preparing to leave the kind of mark that you want to leave on this world? When you graduate life someday? I think it's important to be the best that we can. And the definition may be of that is a little different for everybody. But whatever your definition is, start reflecting on that. Start setting goals around it and then start putting things in motion and connect with the people that can help you make those things happen. That's my challenge to you guys. On living and loving well. I want to thank you for joining me today on the Nickels and Dimes podcast. I'm your host, Natalie Kime, and I look forward to continuing to bring you amazing content each week that will educate you, support you, and help you find financial freedom. I look forward to having you listen in future episodes and until then, take care and stay safe.