Money Matters!

Dr. Cooper

Welcome to the latest episode of Catalyst Health and Wellness Coaching Podcast. My name is Brad Cooper and I’ll be your host and today’s episode is about a topic that probably matters a lot to you and your clients. It’s all about money. Our guest is Rachel Cruze. As the number one New York Times bestselling author, host of the Rachel Cruze Show and the Rachel Cruze Show podcast. Rachel helps people learn the proper ways to handle money and stay out of debt. She’s authored three best selling books, including Love Your Life, Not Theirs and Smart Money, Smart Kids, which she co wrote with her father, a name you probably will recognize Dave Ramsey. You can follow Cruze on Twitter and instagram @RachelCruze and online at RachelCruze.com, Youtube.com/RachelCruze or Facebook.com/RachelRamseyCruze. So a lot of options on how to follow up on some of the resources that she’ll mention and I’ll also mention a few of those and explain a couple of them during the closing of this podcast. If you have any other questions, feel free to always reach out to us at Results@CatalystCoachingInstitute.com and obviously there quite a few other resources that supplement this discussion at CatalystCoachingInstitute.com.

Dr. Cooper

One item I did want to make sure to highlight for you is The Rocky Mountain Coaching Retreating and Symposium that’s coming up this fall. The early registration for that to save, speaking of money, a lot of money is just around the corner. So if you’re thinking about that, if it’s on your list, don’t miss that deadline. I don’t want you to end up saying, oh, no, I missed that chance. So keep that on your radar screen. You can find that under Retreat on the CatalystCoachingInstitute.com site. With that, grab your pens and paper, get ready to take a lot of notes. Because this thing is packed. Rachel really brings it today for us. And I just know you’re gonna love this latest episode of the Catalyst Health and Wellness Coaching podcast. Well, Rachel, very, very good to have you here. You and your dad, Dave Ramsey have had such an incredible impact on our family, but also people across the country and, frankly, the world. Can you tell us a little bit about the basics? Why is it so common for us to lose control of our, what we like to call financial fitness, when it’s such a key part of all of our health and wellness?

Rachel Cruze

Yeah, it’s so interesting. I feel like, well number one, thanks for having me on. I appreciate it. It’s so interesting because I’m like common sense these days, it’s just not so common. And I think what’s happened is we have complicated this part of our lives. We tried to do short cuts. We tried to create our own little systems. We think we’re getting ahead by doing this and that, and what ends up happening is we end up in a tangled mess, and the idea of going slow and steady, doing things that may not be flashy, may not be super exciting or really appealing to the outside eye, but doing things over a long period of time. The smart things like saving up for an emergency fund, investing into retirement, paying off debt. Like all of these things, it works number one. We’ve been doing it for 20 plus years, so we know it works. But I think we’ve, just as a culture, we’ve complicated it. And we also have given in to our needs and our wants in an unhealthy way. Like if we want something because of the avenue of debt, we can get it. Like we are instant gratification culture. I mean, even my phone like before we got on this interview, I get dinner reservations, I check the weather for the city I’m traveling to tomorrow, you can do things so quickly, and we’re so used to that. And that really translate into how we handle our money in not a great way. And so I think all of that, combined with we just lost this idea of common sense. And so we’re about the business of helping people get back to that and win with their money.

Dr. Cooper

Excellent. And so powerful. So the question you’ve been asked probably more than any other in your whole life. What’s it like growing up the daughter of Dave Ramsey? Any kind of fun stories you want to share about early lessons that you learned, maybe the hard way in your own life with this stuff?

Rachel Cruze

Yeah. Oh, gosh. I think people just assume that in the Ramsey household we were like obsessed with money and like all we talked about was money. And we had, like, mutual fund birthday parties, and budget camps every summer. Like everyone just assumes all this and that was not the case. Mom and Dad, I would say were actually very normal in how we approached money and talked about it. I mean, normal in the sense that they were not, like, crazy extreme about it. But I guess it’s kind of weird in a sense because some parents don’t talk to their kids about money. But, yeah, they just implemented again back to kind of that common sense approach, like they taught us that if you want money, you have to work. Money comes from work. It’s shocking, isn’t it? So learning that from age five or six years old, you know, we were learning that we were never gonna be given an allowance. We were always on commission, so again work and get paid or you don’t work, you don’t get paid. And we learned to give and save and spend in that order. We had three little envelopes growing up and every time, when we got paid weekly, we put that money in each of those envelopes and it was just kind of this ebb and flow, this was just a part of how we were raised.

Rachel Cruze

But I always laugh, the I think, probably the most extreme thing that happened, I was 15 and I had my own checking account, you get your own checking account when you’re 15 in our family, and Mom and Dad would put in a certain amount of money into our account every month that they would normally spend on us. So whether that’s insurance for a car you’re gonna buy at 16, or clothes, or out with friends school fees, like anything that they would spend money on for us in the month. They just gave us that amount at the first of the month, and so we were in charge of budgeting that out. We were in charge of handling that, keeping up with it. We were never allowed to ask them for money. And if we wanted more money, we had to go get a job and, you know, make more money. Anyways, I had my account for probably three or four months. And I bounced three checks out of that, and Dad actually made me go down to the bank and in person, apologize to the executive bank branch manager, and I had to apologize and tell him that I was sorry for lying because I told him I had money in his bank to spend and I didn’t. And that was what Dad told me. Oh, yeah, oh, yeah, it was terrible. So I went down. I did it, you know, we laugh about it cause I think, I told him all of this, he looked up and he was like, did your dad tell you to come down here and say this? I cried, I was like it’s child abuse. Yes he did, it’s terrible. So he waved my overdraft fees. So that was the perk about doing that, so that was probably the most extreme thing. But, you know what, I’ve never over drafted since, I have not ever drafted since. So I learned.

Dr. Cooper

Great story. Love it, love it. Okay, so coming out to the general population now. What are some of the biggest, and let’s keep it with correctable mistakes that you repeatedly see people making when it comes to their finances?

Rachel Cruze

I think probably the biggest thing that plays into a lot of smaller mistakes is just the overarching principle that people are just not intentional with their money, like they just let their money happen to them. And it’s amazing in life if you want things to be better than what they are, you work on that right? Like if you’re married and you want to work on your marriage, to make a better marriage, you work at it. You read books. You you do date nights, you go to counseling. Like you work on it. If you wanna be a better parent, you go and talk to people that have had kids that age before and like you get advice from them on that. You work, you spend time, you’re intentional and the same is true with your money, you have got to put the work in. You have to put the mental capacity in, you have to work on it and happen to your money. And when people are not intentional, I believe that’s when they go into credit card debt because they don’t have savings. They live paycheck to paycheck, and they kind of just float through this life, even though they may be stressed out and freaked out. But the idea of sitting down and being intentional and planning out not only where your money’s going with a budget, but also like, what are your plans in the next five years? Like, what are your goals? What do you want to do? And you’re just doing it on purpose and a lot of people they don’t. They just have their money, control them.

Dr. Cooper

Very good. I’ll mention your books in the closing so people have access to those. But if a coach is working with a client that is just really struggling with their finances, and obviously a coach is not a certified financial planner, they’re not trying to fill that role. But what would be a couple of initial steps a coach could help the client incorporate to kind of start down that better path without feeling overwhelmed?

Rachel Cruze

Sure. Well, I think you know a great starting point that any coach could do even if you’re not a financial planner, is just the fifth grade math of a budget, like a monthly budget. Just sitting down and looking at their budget and helping them create one if they haven’t had one. I think that’s like the best guided plan. And the good thing about a budget is it’s pretty easy to do, in a sense, that again, it’s your income minus all of your expenses, equals zero. So you just sit there, you allot money. But the hard part is when they leave and they actually have to stick to the budget and living with that. So that’s gonna be the challenge on their end. But I think that that’s one easy step anyone could do. Even if, you know, you have a friend or a family member and they’re just, they feel out of control. It’s amazing when you sit down and you plan out where every dollar’s going. Gosh, that helps you, it just gives you this road map in to what to do with your money day in and day out. So that’s one thing. I always say bring in a third party if need be, whether it’s financial peace university or it’s a book or it’s one of our podcasts or the radio show. Bring in that third voice because not only will there be new content in continuing to help them, but sometimes it’s just good to hear from multiple people the same message. I tell this to married couples if one spouse is like not on board and they don’t want to do it but one spouse does, my advice was like bring in that third party because sometimes having that other voice gives them a little bit of this eye opening and new motivation than what maybe possibly you can.

Dr. Cooper

Beautiful, beautiful. Very well said. Okay, so let’s stay on the budgeting concept for a minute because a lot of people just that word, they get this. Ah! Freak out! No, I can’t do that, I’ve never done it. It destroys my life. It’s stressful. Any tips on how coaches, if they introduce that concept, can help their clients kind of get their arms and then keep their arms around that aspect?

Rachel Cruze

Yes. So there’s gonna be really two types of people. There’s gonna be what we classify as the nerds and the free spirit.

Dr. Cooper

And they usually get married.

Rachel Cruze

Yeah, that’s right! That’s right! Opposites attract. Yeah, there’s usually both of those in a marriage. So with the nerds. When you’re sitting down and you’re mentioning the word budget their, knee jerk reaction is gonna be like, okay, okay. You know, maybe they’re intimidated on how to do it, but the idea of it, it’s exciting. And it’s like, yes, this is the answer. Oh, I can’t wait. This feels good. I already feel in control because I’ve just said the word budget. Like they’re gonna be way more on board. The ones that you’re gonna have to really rope in are gonna be more of the free spirits. And believe it or not, I’m actually a free spirit. My husband’s more of the nerd in our relationship, which is funny that I like teach about money. But that’s really me. And the free spirits are the ones that feel like, oh, a budget is so constrictive, like you can’t have any fun. I mean, I feel like every time I heard the word budget, it was like, yeah, we can’t go out to eat, we’re on a budget or we’re not going on vacation this year because we’re on a budget. And I’m like man, people on budgets are not fun people. If that is what living with a budget is like, I’m like no. So the free spirits, they are harder to rope in and decide that this is gonna be a lifestyle.

Rachel Cruze

But what I have learned over, especially my marriage, I’ve been married over nine years and doing a budget month in and month out with my husband, and we’re not perfect at it. But we really have got in a habit of doing it, that as a free spirit, I have learned that a budget does not limit my freedom. A budget gives me freedom. Like it gives me permission to spend money and spend money on the things that we choose to spend money on. Like that’s the great thing about the budget is you get to decide what do you want to do with your money? Now there’s wise ways, wise things to do, you know, and unwise things, but overall, like you get to decide. And that’s the beautiful thing. So sometimes the biggest hurdle is just the psychological idea of ugh a budget. Oh, it’s scary. And it’s really not, if you understand, a budget is going to give me this control and it’s gonna be the road map to help me win. Okay, let’s do it. And then they need to understand that they’re gonna mess up, that especially the first few months of doing a budget. It is going to be messy. It’s not gonna be right. You’re going to have to change things throughout the month. It may not work, you’re gonna have to get the kinks out because it’s gonna take a few months.

Rachel Cruze

So give yourself 90 days. Give yourself three months to get that budget to work. And that’s the other part of what the coach can do is encourage them to keep going. Because some people give up the first month they do the budget, and they’re like, oh, it doesn’t work. Nevermind, I don’t want to do this, but keep at it because once you start doing it past 90 days, not only does it work, but it becomes a part of your life, which is the other great part is that it’s a habit, it’s just like, okay, that’s what we do. So those are kind of like more of the mental roadblocks that people have with a budget and tactically speaking again, a budget, a simple monthly budget is your income minus your expenses, which will include giving and saving, is gonna equal zero. So every dollar coming in is just assigned to a category. And we have a free budgeting app called every dollar, and it’s wonderful. It makes it so easy to understand. It walks you through everything. It shows you and it’s right there on your phone. It’s convenient. It’s easy to get to, all of that. And so use every dollar on the tactical sense to help create the budget. And then again, it’s gonna be up to them to stick to it. But, man, I’ve learned once I’ve lived with this for so long, since I have, I can’t imagine without it, I really can’t. I can still go shopping. We can go out to eat. We can do the things we want to do. But it just gives me this limit and this boundary, and there’s more freedom in that because you can do those things without second guessing yourself.

Dr. Cooper

So good, so good. So the, especially the 90 day piece of you’re going to mess up and that’s okay.

Rachel Cruze

Yes! Totally, yes.

Dr. Cooper

Love it. Love it. Okay, so one of the cornerstones of your work is the goal of becoming completely debt free. Talk us through why this is a central theme and kind of that power and energy that comes from getting to that point.

Rachel Cruze

Yeah, being debt free, it’s a weird part of our message, if you will, because normal, we always say, is broke. Like normal is living paycheck to paycheck. And so what debt has done is we say debt is a thief. It not only steals your income from you, but it steals your peace of mind. It steals your sleep at night. Like it takes things from the quality of life you can have when you owe someone something. And the idea that when your income comes in and you get to decide what to do with it, it’s an amazing feeling of not just freedom, but suddenly you have choices and you have options. And in Proverbs it says that the borrower is slave to the lender. And I love that picture because it’s so true. We are a society that has signed up for this and we carry you know, this burden around month in and month out and we’re broke and we feel like we don’t know why we can’t fund retirement. Why can’t we help our kids to college? Why can’t we give? Like, we can’t do any of this because we have two car loans, credit card debt, and our student loan. And so the the shift of saying, okay, what if you had no payments? What if your income came in,

Dr. Cooper

Makes you smile, just thinking about it.

Rachel Cruze

Yeah, like what could you do with it? And I’m like anything you want! It’s amazing the power of your income. So your income is the largest wealth building tool that you have, and when your income can start working for you, then that’s when things start to change. But you can’t do that when you’re living paycheck to paycheck. And so being debt free for me is not just a mathematical financial advantage, which it is, but there is an emotional spiritual side as well that you suddenly could look up in your job and be like, you know what? I have not enjoyed this for years, and I really have had the dream to go do X, Y and Z. And when you don’t have payments, and you have an emergency fund. You may get to take that leap. You’re able to do things in your life that you didn’t think were possible. And it’s exciting. I see this as changing your family tree. It is a legacy type decision that you make, and it’s incredible. I mean, when you are freed up financially, you get to do so many things, and a big part of our message too is to help people. When you don’t have payments, you can help that single mom who needs a new car. You get to give outrageously. So we always say you live like no one else because it’s tough when you’re getting out of debt, you’re sacrificing your lifestyle. You’re making choices that are gonna look weird to your friends and family, but you’re doing stuff. So you’re gonna live like no one else. But later you get to live and give like no one else.

Dr. Cooper

love that love that I’ve heard you and Dave share that for years, and it just it sticks and it’s so accurate. Okay, So, knowing this’ll what are some of the and let’s take major health things out of the equation to you for a minute, because those air out of our control. But what are some of the self imposed stumbling blocks that keep folks from achieving that? Because I guarantee almost every person listening to you just now smiled when they when you’ve got him thinking about what would it be like to be debt free? Oh, it would be great, you know, But we generally speaking, we aren’t. So what are some of those stumbling blocks that are within our control with us? That area?

Rachel Cruze

Yeah, I think one of them is just your your attitude towards it. Like I talked to some people and I talked to this girl a few weeks ago after an event. She was like, Yeah, I kind of sort of think I might want to get out of debt. Maybe okay, I I I looked at her. I was like, Yeah, you’re not gonna get out of debt. And she was like, what? And I was like, You’re not mad enough like you have to get to a point where you’re you’re sick and tired of being sick and tired like you’re done sitting in traffic, dealing with the jerky boss. Just a freaking pay MasterCard like Like you get to this point where you’re like, I’m done. I’m done stressing, I’m done fighting with my spells. I’m done not having money. It’s like I’m working so hard to have nothing to show for it. Like when you get there and you get mad, that’s when things start to change. But because you can wonder your way into debt. But you cannot wonder your way out like it takes some sacrifice and some diligence, And you do you have to get mad. So I’d say your attitude is one thing of like, you know what? We’re gonna do this and then I I believe kind of in the the all in method, like you have to find the, um, the progression of getting out of debt to be able to find the motivation to be able to find the progress. You have to do the plan, and we teach people to pay off the debts smallest to largest, regardless of the interest rate. Pay minimum payments on everything and pay off the smallest one first. And when you start down that journey like we tell you, you sacrifice your your time like you’re getting an extra job. You’re working overtime. You’re sacrificing your lifestyle. You’re not going out to eat Ligurian beans, rice, rice and being like you are doing everything to limit and put as much money towards getting out of debt, cause I have found people that are willing to sacrifice, the deeper they’re willing to sacrifice, The greater the result, the faster that they’re going to get out of debt. And it’s amazing. We have people calling on the radio show and come to the office and you hear the people in there you hear their numbers and they’re not making you know, tons of money, like maybe it’s 40 50 grand. And then they paid off like 75,000 year and 1/2. I mean, like, you hear the numbers, you’re like, what, How did you live like that? But they saw the short term sacrifice was worth the long term gain. And so that’s all that’s. The other part is the choices that you make to do it that you have to decide. You know what this is worth it? A mad enough that that that living like no one else and truly sacrificing and doing the plan it’s gonna be worth it’s gonna be worth the outcome. And it is. It’s so is

Dr. Cooper

very nice. And I’ll walk folks through your debt snowballs during the closing here. So you get a sense of that because that is a not necessarily logical process, but very powerful process. So So once someone’s out of debt, what would be some initial investment recommendations you generally suggest again, neither one of certain financial planners, but just some general things for them to consider if they’re looking at options out there. Once they get past that, I’m now out of debt face.

Rachel Cruze

Yes. Yeah, well, I would say the first quote unquote investment that you look at it on a true investment, but it’s to build an emergency fund of 3 to 6 months of expenses and So look at your monthly budgets. Okay, if something were to happen, if we lost someone lost a job or if there was a medical expense like what would keep us going for three or 63 to 6 months of our life that can stay the same. It can stay constant and you save that up and you put this in a traditional savings account of money market account means something that you can get to it quickly. We keep it liquid, if you will, which means you just get to it fast. And you have to look at this as more like insurance than an investment because it’s there for you. It’s not going making money, but that’s when that’s the next step you would take after getting out of debt and then start looking at true investments, which would be, uh, like a Roth IRA is a great one. You could open up a raw fire. I start investing for retirement. If your job offers a 401 K or a 403 b, Take that and we say toe, invest 15% of your income into retirement, so those are two great options retirement vehicles that you can you can get involved with. And they’re just in standard mutual funds. But when it comes to that whole investment world, we do recommend people go check out one of our smart investors. And these are people that live and breathe the investment world. And this is what they do for a living to help set those funds up.

Dr. Cooper

Very good. All right, we’re gonna change years here for a second. We love given our listeners a chance to get to know you a little bit more personally. Is there something in your own health and wellness? This a health wellness podcast in your own journey that you’re currently pursuing? Maybe they’re struggling with it, but just kind of walk us through how you’re approaching things in that area. Some of the inside you’re gaining it could be anything. Sleep, stress, life, balance, anything you’d like.

Rachel Cruze

Yes, I’m a mom. I have two little girls. I have, ah, three and 1/2 year old in 18 months old and had to say like going to the gym and everything. I’m in spurts. It’s like sometimes consistent. Sometimes not. I I will be very honest with you. I am not in that plan right now. Uh, because what I found for me right now, like my biggest thing I could do for myself. Thio not only lower stress, but just get me truly in the right mind set for the day as I have started the habit of just getting up early. So I’ll get up anywhere from 5 a.m. 5 30 just to have time by myself and for me, I’m like, Oh, not having toe, you know, getting waffles made or getting ready for work. Like all of that is like paused. And for me, one of my friends, you started doing this plan. She was a great all you have to. And so I started. That happened a few years ago. And it is It’s like, Oh, it’s the biggest gift I can give myself day in and day. I just amazing when you like, mentally are prepared for the day. How much better off it ISS And yep, So that that’s my big thing right now that I’m clinging onto you with two Littles running around.

Dr. Cooper

Well done. I love it. Love it. Last question. Any final suggestions? Recommendations You give a coach who they want to assist their clients and thinking through how to improve their financial situation. But there you’re just not sure the best route to go there in any other suggestions again, in addition to the resource is that you provide that I’ll mention in the closing?

Rachel Cruze

Sure. Yeah. I mean, again, we package common sense. Really well, so we sit around our place, so helping them understands those common sense approaches. But I would also just encourage you like you may be one of the only voices of hope that they have in their lives, because when they talk to their friends or their brother in law or their parents like, more than likely, all of those people in their lives are not doing it right. And they’re stressed out, and they, you know, you may hear the words. Oh, yeah. You can just never get ahead financially anymore in this country or like the little man just can’t get ahead. Or this is how it always is. This is the American dream. Just get used to it. I mean, there’s a lot of cynical people out there and really believe that they can’t win with money and a lot of those people are probably in your client’s life. And so I would say you might be the only voice of not just reason but hope. And your client possibly is very hopeful s That’s where we intersect. A lot of people’s lives, they just they’ve lost hope. And you get to not only tactically walk them through a plan to help them with the baby steps. You know, take that information and use it. Use it, use it. Um, but also just being that voice of encouragement and saying that you can do this like, yeah, it’s gonna be hard at times, but it is possible you can do this. And you may be the only voice in their life that saying that to them.

Dr. Cooper

Rachel, so good. Thank you so much. I know your schedule is psychotically crazy, and I didn’t even know about the youngsters. He had run around your ankles all day. So great job. Great information. Thanks to sneak us in and really appreciate it.

Rachel Cruze

Absolutely. Thanks, Brad. Thanks for having me on. I really do appreciate it.

Dr. Cooper

Absolutely. All right. A lot to unpack. Here, let me just start off by again thanking Rachel. She did such a great job. And that statement she made toward the Yan, where she said, You may be the only voice of hope in your client’s life. She was talking about the financial piece, but you and I know that applies to everything we do. That’s what’s so exciting about being a health and wellness coach is you are that voice of hope. Don’t ever forget that. Don’t ever forget that. She mentioned the baby steps, and I thought instead of us spending time in the Q and A going through that I would cover that with you here. If you’re not familiar with Dave Ramsey or the Financial Peace University aspects, these are the seven steps that they consistently utilize. And it’s very important in their mind that you stay in order that you follow these in this order so you can google this. You can get this through their books. And by the way, speaking of books, I’ve mentioned the past. We’ve got a library of resource is on the Catalyst Coaching Institute site. If you just go to Catalyst coaching institute dot com and you go under. Resource is, you can see the library we’ve got there because we get all the time. People are asking us, What bookshop, Where should I start? And so we’ve got a compilation, and Dave Ramsey’s book is one of the ones that we selected long before we knew we’d have this interview. So powerful tool. But let me just walk you through these seven steps. Did you call the baby steps again? Critical that they’re in orders as far as how they teach it. Number 1 $1000 in your emergency fund. Get that built up first number to start the debt. Snowball. I’ll talk you through that a little bit in a moment. Number 33 to 6 months of expenses in savings that your emergency fund. That’s if something comes up, you’ve got it available. Number four. Invest 15% of your income in a Roth IRA and or pretax retirement Fund Number five. If applicable. College funding for your kid’s number six payoff, you’re home early and number seven build wealth and give and again they’re very consistent. It’s critical to go in that order. Let’s talk briefly through this debt snowball concept. We it came up briefly in the interview but I didn’t want to invest too much time in talking through that process. But it’s a very valuable process. The debt snowball when I first heard it, it’s not logical, but they’ll make the point. That you didn’t get into debt because of logic and logic is not gonna get you out. And so the way the debt snowball works is you line up all of your debts from smallest to largest. This could be anything from a department store credit card to gas card to your home mortgage. And you lay all those out, smallest to largest, and you start attacking that smallest one with everything you got. So you don’t worry about what your interest rate. You don’t worry about all these other components. You say, What’s our smallest one? And you get after that and you pour every ounce of energy and money into knocking out that lowest one that smallest one and then it’s gone. And then you move on to the next one and the next one and the next one and part of this you can picture the snowball is you roll it, it starts to build on itself, and you get that momentum and you see success and you see Okay, I just I just knocked out this little one Now the next one, now the next one. And it builds on itself. So very powerful process again. Not necessarily logical. You’re not looking at interest rates on these things, but very, very powerful tool that has worked for so many thousands, hundreds of thousands of people worldwide. So a lot to unpack. But you have Great resource is Rachel mentioned several. I mentioned the book Financial Peace University. Many of you have access to that. Take avenge of that. Encourage your clients to look into that as another option in terms of how they can address their financial fitness. If you have questions about wellness coaching, maybe you heard this podcast randomly because of the topic, and you’re thinking, well, this coaching like that’s a job like I can actually do that and make money. Yes, you can. It’s growing leaps and bounds. Right now. It’s a It’s an outstanding industry. If you have questions about that, how to get started? What does it look like? But I do this for a company or on my own or in any of those kinds of things you could reach out to us happy to chat about it. Its Results@CatalystCoachingInstitute.com is the email address. The website has quite a few. Resource is its CatalystCoachingInstitute.com. Obviously, if you’re an experienced coach and you just want some help, some guidance, some next steps happy to chat with you as well. Same email, Same same website to get started. Folks, please keep in mind and I say this every time. But I’m gonna keep saying it. Got to remember the path to our best self begins with our better self. Let’s help our clients and let’s remember, for our own lives toe work towards that better than yesterday. And that’s the path we want to stay on. Thanks for joining us, and I hope it’s something that you find to be a valuable part of your life. Make it a great rest of your day, and I look forward to chat with you next time on the Catalyst Health and Wellness coaching podcast.