Today, I’m thrilled to welcome back a familiar guest to the podcast—Lynae! We first worked together in 2020, and she’s been crushing her financial goals ever since. This is Lynae’s third appearance on the show, and I’m excited to have her back so you can gain insights to the full impact of financial coaching from a long-term perspective.
In this episode, Lynae and I explore the lasting effects of financial coaching. It’s been four years since Lynae reached out for coaching, and today she shares how her mindset about money has evolved, including what life is like after paying off credit card debt and building an emergency fund.
We also explore the power of a growth mindset. Lynae discusses how this shift has empowered her to negotiate with her employer, invest in real estate, and continue growing her own business. Throughout our conversation, she highlights how she continues to apply the strategies and tools she gained from coaching to plan for her future.
Tune in to hear Lynae’s inspiring journey and discover how the legacy of financial coaching can transform life. Don’t miss out on this insightful discussion.
In this episode you’ll hear…
- [02:15] How Lynae’s thoughts about money have changed since 2020
- [04:30] What her life looks like after hitting her initial financial goals
- [10:00] Her confidence to negotiate with her employer
- [16:22} Her journey to purchasing her first commercial real estate investment
- [24:14] The impact of a growth mindset and leveraging an effective budget
- [35:22] Lynae’s future goals
Tune into this episode of Money Files to hear how the long-term impacts of financial coaching continue to help Lynae achieve her financial goals.
Are you ready to start asking for help with your finances? Apply to work with me, and let’s start working towards your financial goals.
If you loved this conversation on The Legacy of Financial Coaching: How Coaching Helped Lynae Invest in Real Estate, check out my episode, How Lynae Went From Money Confused to Embracing Money Confidence in Two Years!
Transcript for “The Legacy of Financial Coaching: How Coaching Helped Lynae Invest in Real Estate”
Intro: Hi and welcome to Money Files. I’m Keina Newell from Wealth Over Now. I work everyday with professional women and solopreneurs to help them get out of financial overwhelm and shame so they can experience more flexibility and ease with their finances. Are you ready to gain confidence and learn to manage your finances intentionally? Tune in and grab financial tips that will help you master the way you think about and manage your finances.
Keina: Hello and welcome back to another episode of Money Files. I’m with my client, Lynae. I think this is the third time she’s been on my podcast, but it’s just because she continues to crush all of her financial goals. So I want you to see all the different angles of the impact of financial coaching. So, hi Lynae, do you want to introduce yourself?
Lynae: Hi, yes, this is my third time. I feel so special coming back. I was like, I know we joke that I always say I was an A student.
Keina: You’re very much an A student , but yeah, thank you for having me back. Do you want to say anything about, do you want to introduce yourself, say who you are, just in case someone hasn’t listened to your other two podcasts.
Lynae: Yeah, so I’m Lynae Maciel. I worked with Keina back in Covid, so that was like summer 2020 and I am a trained school psychologist. I’ve moved from working full-time to part-time and starting my own LLC within school psychology and practicing. I’m contracting and also dabbling in real estate now.
Keina: I love that. I mean, I think if I had to give a frame for our conversation and Lynae is like, what do you want me to talk about today? I wanted her to talk about like the long-term impact of financial coaching and what I was calling like the legacy. But it’s been, I mean we’re in August right now, so it really has been like four years from the start of you working together, which it actually takes me back to the exercise that I do with all my clients in the beginning where it’s like, hey, where do you want to be six months from now or a year from now, five years from now. I was just thinking about the things that you’ve actually been able to accomplish in the last four years that you can actually like check off, but how do you view yourself financially that’s just completely different from where you were like four years ago?
Lynae: Well, I would say four years ago I was definitely very frustrated financially because I felt like I was making good money. I was living paycheck to paycheck. And although I had things to show for myself, I had a mortgage, things like that, I still didn’t feel like I had a good grasp. Somehow I was managing my money and living paycheck to paycheck. This like credit card cycle and putting things on until my next paycheck and holding me over things like that, versus now I feel like I don’t rely on that at all. I know you and I have briefly before talked about like me potentially moving to full-time with my LLC and I went from paycheck to paycheck to really me being like, okay, well if you jump to full-time LLC Lynae like without bringing any money in, you can pay yourself and pay your bills through the end of 2024. So I just felt like being able to plan or make decisions around what my next financial moves are. I feel like I have an emergency fund, I do not have credit card debt. All those big things that worried me back then for fear and like my decision making now.
Keina: I mean I feel like some of the financial tension that you have or I think others listening might have, like you were just talking about, like I don’t have credit card debt, which I know in the beginning I feel like that was one of the things because you were just working at the school at that time and having to carry credit card debt to make it in between different pay cycles. But I don’t think that’s something you think about anymore. So I’m curious, like what do you now think about in terms of, I guess I could call it your financial vision, what’s on the other side when you stop worrying about like, can I pay off my debt or do I have enough money before I get paid again?
Lynae: For me the other side right now is like what I’m working towards is more just like freedom. So just like the flexibility for me. I guess it would be more like, yeah, like freedom and the choices that I can make. Freedom and like, hey, my parents are retired now and I want to spend 2, 3, 4 weeks with them in Mexico and work remotely or not work, whichever. But having that flexibility and looking back at like, it’s always been like moving towards or being more comfortable with what I put towards retirement and planning towards retirement. So I think like, I started doing that and working with you four years ago, but we’re thinking about like legacy and all that. Something I always think about is like, okay, how can I increase it even if it’s by 1%, how can I keep increasing that? So I would definitely say retirement. I do want to have the luxury to retire as early as my parents did, to retire before 60. I feel like that’s just a goal of mine too. Like they can do it, I can do it. And then I think another thing is just having opportunities to be like an entrepreneur in whatever capacity that looks like. So right now it’s like me forming my LLC or looking into real estate. But yeah, having money to invest in ideas or people that I want to invest in.
Keina: I want to go back to something that you said and then I want to dive into the real estate, but I think a lot of people want freedom and I think when they talk about freedom, time freedom comes up a lot. I know for you travel is something that you really enjoy, but you were just talking about like when your parents go to Mexico, being able to work two to four weeks remotely. In terms of like where you are and being able to achieve that. Are you able to go to Mexico and being able to have that remote life? Like are you able to go for a week and then you’re like working on a week and a half? Like where are you in that endeavor?
Lynae: Yeah, so up until two years ago I was not able to do that. I was working full-time in person as a school psychologist for a public school district and that was our role. We had to do that. And the more I thought about it and like research, like this isn’t what I want to do. One, I was over the commute, especially after Covid. It was not enticing. I didn’t care how much money I made to commute an hour and a half, two hours each day. So I just began exploring other options. I know that for me within my field, virtual and remote positions were becoming more popular just due to the school psych shortage. But first I honestly just started looking like what was closer and then I sort of negotiated myself to be part-time and that’s after like working with you, like creating a launching pad or what do I need to get to only working part-time.
So I feel like over the last two years I’ve slowly tried to find ways where I can now be fully remote. So the last two years I was working for a charter, like I said, part-time and then this school year. So this month I was debating whether to go back and work part-time or just negotiate for what I want. It was three options. I either I go back as is or with the pay raise or I negotiate being able to do what I do remotely or virtually or do my LLC full-time and I had to look into like, alright, so do you go from an LLC to an S corp? What does health insurance look like? And like all those decisions. The charter was okay with being like, fine, we know your work for the last two years. You want remote, we’ll give you remote. So now I can say, I can freely go whenever I want to visit my parents in Mexico and they’re going in October. I was like, well, just let me know the dates, like sign me up.
Keina: I love it.
Lynae: So it’s just really awesome to also be able to do that. My parents worked a lot growing up, so I think I always yearned to spend as much quality time as I can with them. It’s their fault I have a travel bag because they always love traveling. So it’s kind of like funny. It’s like they’re retired and enjoying this and I’m like alright well, I’m tagging along. Thanks.
Keina: I’ll be your carry on. Don’t worry about it. You also talked a lot about like this negotiation of knowing like, hey, I don’t want to be full-time anymore. I want to negotiate myself to part-time. I’m curious like how have your finances played a role in giving you the confidence to have those conversations with your employer and even with yourself? I think the shift Lynae is, would you have done this four years ago for yourself? Like what is the difference in between in like Lynae 2020 versus Lynae 2024 and how your money plays a role in you being more confident. Like yes, it’s mindset, but like you being more financially confident, how does that help you show up for yourself and get what you want?
Lynae: Yeah, so I think first it was just knowing what I deserve to get paid, knowing my work financially and then like speaking up and asking for it. Also, I think something that I’ve continued to do and I realize like four years, it’s definitely a habit now is just like continuing with my money dates that I do biweekly. But it’s also, that exercise you had me do at the very beginning, like where I see myself six months, a year, five years, eight years and I think like every time I would do those or I have done those over the last four years, like I always think about like, alright, in order to reach this, how do I need to show up? I need to be like revisiting my goals. Like if I met them, what’s the next thing? Or just adjusting and adapting my goals. And I feel like if you would’ve asked me if I saw myself here four years ago when we started working, I would’ve said no.
I think the biggest thing for me is like in constantly revisiting or working towards my goals, I like either got an idea for a future goal or an idea of like, how can I get to this or how do I need to do this? So for example, like, I don’t know, I think it was after like two years of working with you or whatever, when I was doing this exercise, I got the idea like, I want to buy a building. I want to buy a building, I want to get an investment. Like what do I need to do? I went back to like things you taught me. It was just like, alright, well how much do you need to have in reserves? How much is this going to cost? Or what do we need to get there? And so then that I would adjust my savings goal or add a savings for the building. So I think for me it was just like the consistency of my money dates and like my reflection, but always looking at just how I’m adapting or adjusting or revising my goals. And then with that, I just got creative with the next thing I wanted to do.
Keina: I love it. The other thing, I feel like such a teacher and this comes from education, but I also hear in you just like reflecting on the past four years is you’ve had and adapted to like a growth mindset versus fixed. Because when I think about you and the person that I started working with, I think, yeah, if we had have been like, Hey, guess what? Here’s Lynae in August of 2024, you probably would’ve been like, Hmm, not so much. I don’t think so. But I feel like when you were even just talking about believing in yourself in terms of like negotiating with your employer about moving to part-time and shifting your hours is, the reason I’m connecting it to the growth mindset, because I think that you’ve adapted to taking risk, which may be part of your personality just in general, but I think specifically thinking about your finances and working towards what you desire to achieve for yourself, when I think about your financial goals.
Lynae: I would agree. I don’t think I was as much of a risk taker four years ago, even before that. I mean, if I think about like, it wasn’t me who was like, alright, Lynae time to get a house. It was my dad and my mom like, alright, you have a good job, like, let’s go, like you could do this. And so like, yes, I am very thankful that they pushed me to do things like that. But now I feel like I’m setting it up on my own terms assessing my risks. Obviously still like going to them for advice and things like that, but it is like, nope, okay, I want to do this. My dad wasn’t like, it’s time to buy a building Lynae, it’s a good time to buy. I was like, no, I want to do this. I got to that on my own.
Keina: Well, yeah, let’s talk about the building because I feel like a lot of people want to invest in real estate and it’s like, how do you position yourself to do that? And I know you’re still like in the process of that, but what has been your experience using what you learned with me to invest in real estate? And then like what does that kind of look like on the ground being a property owner outside of your like house that you’re living in?
Lynae: Yeah, so just the process of even like looking for a building, it reminded me a lot of like when I was looking for a house, just like what neighborhood do you want it in? Do you want it close because are you going to be managing it or attending to tenants? So I was looking at residential like, are you going to be the one attending fixing stuff? Are you going to pay someone else to do this? Or are you just going to have people, kind of like on a Rolodex, like how are you? So I feel like at first I was like, I need something close. Like in case I need to get there, I guess it’s my property. So that also limited me or help, like it was a good like, alright, so I want nothing more or further than like 20 minutes from my house.
And then it was just like coming to a number that I was comfortable like risking and investing. I did start looking at the time when the interest rates were really low, like during Covid. So I think that was also definitely a motivating factor, like when we take advantage of this and because I’ve had so many years, I had built equity on my home. For me it was easy, like alright, I’ll take a home equity loan and use that as my down payment or to cover anything for the building. So I think the toughest for me was just like, my realtor was amazing in that he gave me like, I forget what it was called. It was a comp like analysis where I could like put in how much each unit would bring, like rent wise, how much it was and including like potential expenses and like alright this is what it’ll look like your first year, this is what it’ll look like your second year, what you’re bringing in.
So that part was really frustrating because I would see buildings that I thought like, okay, cool, I could see myself, it’s not too big. I was mostly looking at like four to six unit apartment buildings. And then when I came down to doing that analysis part, which is I think what was helpful with you, because I remember asking like, alright, well how do you calculate like risk and like rate of return? All of like, do you have something? And I would say that’s like from you because it’s like, I don’t want to just jump in and be like, yeah, sure. It looks like it’s bringing me money.
Keina: The numbers kind of work. I mean, well I haven’t factored in if I got to fix the water heater.
Lynae: Right. Like are you mowing the lawn? Like, you know, I live in Chicago, we get all four seasons. So you need an AC unit, your heater. Are we planning for this? And then using that worksheet or spreadsheet that he gave was like very, very helpful. So I was searching for a little over six months. And then at that time, I had a long, long time ago told my dad I would love to buy the building where you guys first started their business, they owned a grocery store. And so that’s a mixed unit commercial unit. So the first floor is commercial, which is where they started. And then the second floor is residential.
So I’ve been looking and looking and then he was leasing out during covid and I guess wasn’t going to renew or they weren’t going to renew the commercial lease. And so he is like, well, I’m not renewing it, are you still interested in buying it? And I was like yes, I will. And I hadn’t found anything. And then I told him, I was like, well, what’s your price? I got to run these numbers. So it ended up working out and I bought the building from my parents.
Keina: I love that. I mean, for multiple reasons.
Lynae: So now I used my home equity line of credit to do a lot of rehabbing and updates to that, which I think it’s always over budget for that. I was trying really hard to stay within my budget, but it was also my first time. I’m like, okay, I think this is going to cost me this or this is going to cost me that, labor took a bigger cost than I expected. But yeah, I was very thankful to have that cushion for my home equity loan that I got at a low interest rate during covid to fix up some of the things I needed and wanted to fix up before. I rented out the residential part. And then now I finished the commercial and so now I’m waiting on just some business licenses and all that through like city hall to get that going. I did not see myself owning like commercial real estate, but again, it was just like where it took me. It was like I had been looking and looking and I didn’t find something that fit and yeah, I got it for 250,000.
Keina: You’ve paid off your mortgage, is that right?
Lynae: Correct.
Keina: So now you have one mortgage, which is on your business side, but just like being able to position yourself also, like we were just talking about confidence and like how confidently you can buy a building for a quarter of a million dollars.
Lynae: Which is similar to what I bought my house for. I think my house was $240,000. And this building was $250,000. Never would I have imagined that within like 10 years of buying my first home, I would’ve, like doubled or like my real estate. Or even 4 years ago when we started working like, yeah, Lynae, within the next four years you’re going to buy another building. Your mortgage is going to be paid off. I’m like, yeah, okay.
Keina: I think it goes back to something you talked about is like using that goals exercise. I think it’s a simple exercise that you rinse and repeated, but because you’ve had goals it set you up to take advantage of opportunities. Because even when you were talking about like I was looking at residential, but when your dad came back to you to be like, Hey, there’s an opportunity to actually buy the family space that we had when you were growing up, because you had your numbers in order and you had these goals that you were looking towards, you were able to take advantage of that. I did a home ownership podcast and I was talking about even my journey. It’s like, I think sometimes we don’t go after things because it seems so far off. But if you get yourself prepared, even if something seems far when you do have an opportunity that comes in front of you, you’re going to be able to say yes to something that you actually desire because you’ve been preparing for it.
Lynae: Yeah. And I would say like that exercise at the beginning when we first did it, it was a daunting task. It was hard. It was hard for me. I don’t know about other people, but for me it was hard. And I was looking back, I had to pull my original money journal out. I was looking back at like what I wrote and it was like very generic, very like have an emergency fund within a year, like a savings account. And now it’s very much like quantified and it’s like for personal, for retirement, for LLC. And then I’m like quantifying like things that I want in each area. But that just took a lot of repetition practice and like I said, just doing it over and over. I definitely got more confident, but it’s gave me so much more clarity in terms of like, again, alright, where do I want to be by the end of 2024, 5 years from now, when I’m 80?
Keina: Yeah. The thing that your journey, I feel like highlights or underscores for me, if you will, just the beauty of really being able to shift from like needing to get budgeting right the very first time that you start and really just adopting a lifestyle from budgeting. Like your budget has transformed the way that you think about money. I think I tell people this while we’re coaching together, but they don’t see it. But budgets are made to help you also accomplish dreams in your life. Like a budget isn’t about restriction. And I think so oftentimes people think like, I don’t want to budget because I don’t want to be restricted, but when I hear you share where you are right now in terms of like, I have a property that I bought that was just $250,000. I have a tenant in a building, I’m thinking about how to use a commercial space. Like budgeting has supported you in being able to achieve these goals. And had you only thought about budgeting as something that was restrictive, like I don’t think you would be in this space.
Lynae: Yeah, I would agree with that. I mean, I remember the first time we worked on a budget and I was like, I don’t know how to do this. I think we had to do like an extra session because I was just very overwhelmed with it. And like, I know how to do math, but like this ain’t, the math ain’t math in here. I think a big, big thing that was a help for me that resonated was one of the things you said like, okay, I knew that I wanted a vacation fund and I wanted emergency fund and I wanted a helping family fund and all these things. But like at that time, the money I was making wasn’t allowing for it. I think one of the biggest mindsets for me was just like, okay, well like what can you do now?
And always when I got a raise or when I asked for an increase or I had extra money, it was like, where can I have it go? Like what were my priorities? What did I want? And if that meant like I increased any of those line items to go towards my goals, I think that was a big thing for me because I just kept remembering like it might not look exactly how I envision it, but like I’m working towards it, but this is just my starting point. I can get there eventually. I think that was definitely something that I definitely carry over and just like what you taught me has, I’ve applied that to the way I run my budget and my finances for my LLC, the way I set up for my building, like how much I’m going to pay in property tax. So by the time my property tax, because they only give us 30 days in Cook County to pay it once we receive it, like I better have that money .
So I’ve definitely applied it to other areas or like other things that I’m doing financially and it’s been successful. So I think also that reinforcement of success makes me want to continue moving in this way. And yeah, I guess it is more of a lifestyle and I’ve been able to incorporate it into other aspects of my life for sure.
Keina: I mean, I’m curious because you were just talking about success in the last four years when have you not felt successful when it comes to your finances?
Lynae: I think like, I don’t know if not found successful, but like even when I was looking at investment properties and things like that, like maybe I didn’t feel as successful because it wasn’t like this amount, like to be able to buy, a 1 million apartment complex or whatever like maybe I didn’t feel successful. Like yeah, sure I would’ve been, wanted to do that but again, it went back to like, okay, well not yet. You’re starting with your range that you have between 2 to 450.
Keina: And you started to talk about it as well because I was just curious, especially for people that are along this journey, it’s like, how do you talk to yourself when things aren’t going your way and you have a goal whether it’s like I’m trying to pay down my debt or I’m trying to just save a thousand dollars or I thought I had a thousand dollars saved, but now my washer and dryer needs replaced. Like these cycles that I think are very common, but sometimes when you’re in your own world, you don’t feel like they’re common and it keeps happening to you and only you. So I’m just curious how you talk to yourself.
Lynae: Yeah, I guess when I wasn’t successful, definitely when I bought the building and I definitely feel there was a time where I had a little too many projects going on at the same time. I was rehabbing the building and then I was like, I got some money, I can get a new garage and I do recall that I was just like, oh, alright, that Home Depot credit card is now up to 10k real quick and I was not expecting that, but I had a plan. Like, okay, this is what I need to do. I need to move money from here, just this. And so Lynae in 2020 would not have been able to do that. I would have got extremely overwhelmed just even thinking about it. But yeah, sometimes, like you said, things come up or I recognize I like took out too many little construction projects at the same time than I should have but I was able to adjust and like come back down to alright, what do I need to do here? How can I fix this? All very real. Because I was like, I got money to furnish. I was like, no baby girl, you’re going to furnish that patio next summer, that’s what you’re going to do.
Keina: And I know we talked about that. Yeah. You were telling me about your home equity line of credit and it was like, yeah you do have this much money to spend. But also like, let me play out the scenarios of what that looks like if I spend it all and paying that back. And it’s just, it’s not free money.
Lynae: But it wasn’t like it happened and I feel like I was able to just roll with those punches. Maybe because I was like, I know what to do with this in this situation, like even though I hadn’t planned for it or anything, it’s like I know how to get myself out of this situation. I have the tools to be able to do it.
Keina: I mean I think you’re speaking to exactly what I’m talking about is I think that and probably in the beginning you probably worried more about like, well what happens if. Like ‘the what happens if scenarios’ or is the ball going to fall or the shoe going to drop? Whatever that saying is, and people think that the success they have is fake when it comes to their finances, but now it sounds like you are more confident, you probably still have similar things that happen and catch you off guard or you might run into something where you don’t feel like you had a plan for it, but your skillset is different. So you’re not worried about, like you just said, like the $10,000 credit card from Home Depot would’ve made you feel really overwhelmed in 2020 versus in 2024 whenever it happened. You’re like, okay, I know how to adjust and I also know how to adjust my habits beyond this point too.
Lynae: Yeah. Agreed.
Keina: So I just wanted to speak to that for anybody listening where you’re like, I think people always wonder like, what’s going to happen after we start working together, Keina. And I’m like, you’re going to have a path because you’ve also just learned to rewire your brain and how you think about things, which is something that a budgeting app isn’t going to teach you.
Lynae: Yeah. No, but thank you for reminding me of that. I forgot that had happened.
Keina: That’s good. See, she doesn’t have any trauma from what’s happening with her finances. She can sleep at night and she forgot that she took on too many projects at once.
Lynae: My dad’s like, you’re good, you got a lot of projects going. I’m like, yeah, yeah. And then I was like, Ooh, no. I’m going to take a step back here.
Keina: That’s so funny. So since we started with like goals, I’m curious like what are some goals you are looking forward to maybe even five years from now?
Lynae: Oh, five years. I won’t say what age that puts me at.
Keina: It’s young. It’s still young.
Lynae: Right now. So hopefully in five years I will be retired. Actually that is my goal. That’s my biggest one I think. And then within five years I want to have at least two to three more buildings. I go back and forth because whether I want two or three or just like the valued at a certain amount. And then my other goal is that I will not live in the US.
Keina: Oh yeah. I remember that being a goal when we worked together. You were like, I want properties abroad.
Lynae: So I would say those are my biggest goals within the next five years. It used to be like starting a family, but now that I have nephews, I love them. So I don’t feel that pressure need that I impose on myself to start a family. So that one’s definitely, it used to be in the five year plan and it’s sort of stayed and not like, not made any advances there.
Keina: So that’s a stagnant goal.
Lynae: Yeah.
Keina: That you’re okay with being stagnant because they cost money. I love it. Goals can change, especially when you know more.
Lynae: And that’s what I’m saying, like that adjusted and adapting feels like, do I? The older I get, the less energy I have. Like oh I don’t know about that. I don’t know if I want to start a family. Maybe I’m just okay with a blended family, but I don’t know about starting one.
Keina: Yes. I think you are the epitome of goals changing because I mean, if you listen to past episodes, we were talking about you freezing your eggs and like that being something important.
Lynae: I did do that and I’m looking at that price increase for egg storage and I’m like, do I really want them that bad? Not that it’s like I can’t afford it. It’s just like, well this money could go elsewhere.
Keina: I think it’s like being okay that goals can change. How you want to spend your money can change and the beauty of that. I love it. Well, is there anything I didn’t ask you that I should have asked you or anything that came to mind while we were talking that you wanted to share?
Lynae: No, but when you mentioned, when we brought up just like egg freezing, like that in itself, planning for that financially was like, yes I had put in my five-year plan to start a family and where that led me to was egg freezing. And then planning for that financially I remember was definitely an exercise like, how much this costs? Is this a payment plan? Am I just saving up for it ahead of time? Like even that in of itself was like, it was good to have some of the conversations and skills that we worked on, like to be able to apply it to even them because that can be crazy.
Keina: Yes, it can be. Working with a whole bunch of different clients, I know a lot of random things in regards to the price that different things cost. It was so funny. One of my clients, the other day we were budgeting and reconciling her budget, we’re probably like three or four months in and we came across an expense and she’s like, Keina, do you know what that is? I was like, how am I supposed to know what that is? This is in your bank account. She’s like, well, you see more bank accounts than just mine. But it was so funny. And sometimes it’s true because I’ll be looking at something, I’m like I’ve seen this somewhere else that shouldn’t be there. Or this is what that is. But yeah, you guys teach me a lot. You keep me in the loop.
Lynae: It’s like going back to your teacher days. Your students keep you hip.
Keina: Oh yeah, definitely. Yep. I know the money slang. I’m like, oh, there’s a firm Klarna. Oh, there’s a new one. Okay, I’ll watch out for that too. So yes, I learn a lot. Well, thank you Lynae so much for joining me again. I appreciate it. I’ll have you on in five more years when you’re living abroad.
Lynae: Yes. And if all goes well with planning, retired.
Keina: Yes. It’ll be great. You’ll be like, sorry Keina, I can’t have a call with you. I’m going to be on the beach.
Lynae: Well, you would just have to join me at the beach in order to have to call.
Keina: Listen, I love it. I can do it. Alright. Thank you so much.
Lynae: No problem. Thanks.
Outro: Thank you so much for listening to Money Files. If you’re ready to take the next step to reach your financial goals, head to www.wealthovernow.com/appointment and let’s get started.
