Episode #40: Inspiring Entrepreneurship in our Kids

Inspiring Entrepreneurship in our Kids

Hello, and welcome to today’s episode of Financial Fluency. Today I want to talk about inspiring entrepreneurship in our kids, it’s something I’ve written a couple of articles about before. (Here’s one over at Daily Worth).

You can listen in or read below and Tweet it out hereTweet: Are your kids budding entrepreneurs? Here's how to inspire them via @jturrell

This is something I think is important because of the way that the landscape of the workforce has been changing drastically in recent decades. Whether or not you work for a company, nowadays everyone needs to be a self-starter and everyone needs to look out for their own career.

Long gone are the days of careers of working at the same company for 50 years and retiring with a pension plan. We all know that and yet I think what our kids are learning in school is not necessarily pushing them towards this idea of being self-starters and entrepreneurs. I’m not going to speak for all schools, of course, there are different programs in different areas.

Overall what kids learn in school is to sit quietly, keep their heads down, do their work and not to make any trouble

So what is it that we can do in own our lives to help our kids learn some of these principles of entrepreneurship?

I made up a quick list here that I’d like to share with you and then I’m going to tell you about what I started doing with my own kids to inspire entrepreneurship in them.

1. Goal Setting

The first one I think that is really important is to practice goal setting with your kids and not just setting goals but writing them down.

I’ve seen studies that show that you’re 80% more likely to reach your goals if you actually write them down on a piece of paper. So, work with your kids making some goals, write them down and put them where your kids can see them daily. That way you can talk about them, you can mark progress towards them, you can talk about, “What can we do this week that can help us move further towards our goal?”

2. Opportunity Recognition

The next tip that I wanted to give is encouraging opportunity recognition.

There are a lot of problems in the world. There are a lot of things that come up every day that we can bemoan and feel bad about but a problem is often an opportunity for somebody to find a solution. So, if there’s something that’s come up in your kids’ life that’s difficult.

Maybe there’s a derelict playground near your house or something and it would be a really cool place for the kids to play if only it weren’t so overgrown and messy and had trash all over it. That’s a problem. That’s something that is an unfortunate thing for your kids but what could they do about it?

They could do some fund-raising and have a clean up day. Make it a social good program to involve the whole neighborhood in cleaning up the derelict playground so that all the kids could play again

That’s just one example but pretty much anything that’s going on. Something that’s happening at school, something that’s happening in your local community. You could talk to your kids about what the problem is and brainstorm about what types of solutions could possibly help. Even if it’s not within the scope of your children to fix it, just the idea of, “Oh, okay, so there’s a problem, there’s something that can be done about it. What can we do to make it better?”

3. Money Matters

The third tip I want to give is teaching money matters. A lot of kids don’t get the real experience of controlling money themselves until they maybe hit college and get their first credit card which is a really tough time for a lot of kids.

A lot of kids who are away from home for the first time finally feel some independence and they want to go do fun and exciting things and I experienced this myself when I went to college and got my first credit card. I was going to school with a lot of kids who are in a much higher socio-economic sphere than I was. I’d see them do things like go to Martha’s Vineyard for Spring break and go to the shore and do all these exciting things. Go shopping at very expensive stores.

Because I was at this school with them, I wanted to go along with them and do these different things and I didn’t really understand the difference in my ability to pay back my credit card from theirs ’cause we’re all at the same school together, we’re all doing these things, I wanted to part of the group, a lot of kids do.

I think a way to buffer your children from that experience at college is to start much earlier. Let them earn some money and save money, budget money and spend money much earlier on so that they don’t have to go hog-wild when they hit college and finally get a credit card.

Let them kind of experience what it’s like to really save up for something and pay for it in full rather than always seeing things go on credit cards.

The way that kids see us use money nowadays is a bit problematic too. I’m dealing with this with my own kids because half the time we go to the grocery store, I take out my phone and pay with Apple Pay at the cash register so my kids don’t even see money being exchanged.

They just see that we go to the store, fill up our cart, the shopping gets run through this thing, mom waves her phone and then we go.

So the idea of what things cost, what things are worth, how long we have to work or what kind of work we have to do to get the money in the first place, it can be totally invisible to kids unless we show them what’s going on. We have to peel back that curtain and explain to them how it works.

So I’ve been really making an effort with my kids to do that. We went on vacation recently and as we were coming back my six year old said that she wanted to go on vacation for a hundred days so I was trying to explain to her that mommy and daddy have to work and that we have to work so much so that we can save enough money up to go on vacation ’cause every day that we’re on vacation we’re paying for things, we’re paying for our rental car or our hotel room or the places that we go.

So when we got back, Myffy made up this little calendar. She put a bunch of squares on a piece of paper and wanted to start marking off how long until we could go back on vacation again. Then there were times where she even said, “Mommy, do you need to work on your computer so you can make money to go on vacation?” I was like, “Okay, yeah, we’re starting to make the associations that there are some exchanges going on here.” So I was very proud of her for that. Obviously, we don’t want to overburden or overstress our kids with our financial situations but at least, letting them see some of how it works, I think is really important for them.

4. Failure is a Teacher

Another tip that I wanted to bring up is to show them that failure is a teacher and that it’s not an end. It’s not a destination and this is something that I do see as problematic with schools is, when you have a test, you either pass it or you fail it.

If you fail it, what happens? It seems like an end a lot of times for kids. It seems like, “Oh, okay, you fail. If you fail completely, you get held back and you have to do that whole year again.” Failure is just a really bad thing rather than something that you learn from. So showing kids that when something doesn’t work out, how to go back and analyze the results. “Okay, so this didn’t work the way we wanted it to work, what could we have done different, what could we do different next time that could influence the outcome?”

I feel like good schools and good teachers do do that with kids, they do go back and work through the problems that were missed and figure out what was wrong and allow them to retake the test and allow them to then succeed based on what they learned from that failure but I don’t know that overall the school system is really great at that.

5. Communication is Key

Practice communication skills with your kids and by this, I mean talking about a wide variety of subjects. Talking about things that are going on around them in your community, online, on TV, the things that they see. Don’t shut them down, don’t shut down questions because you don’t think they’re old enough to discuss it.

If they aren’t old enough to discuss it, discuss why that is, why this is something that maybe they don’t need to learn about right now but engage in the conversation with them. Really help them see the back and forth of conversation.

With technology intervening in so much of the communication that we do today, I think it’s really easy to not get into those deep conversations with people on a daily basis and I think it’s important for our kids to learn how to do that.

It’s important for them to talk to people in a way that allows them to see what’s important to the other person and allows them to communicate what’s important to them to that other person as well. So really taking the time to have these conversations with your kids, not just about the big, important things but about the little trivial things too. Just, “So why do you think that is? Why do you think that is? Well, what do you think about that?” Just really digging in and finding out what’s going on in their minds.

I am often fascinated especially my six-year-old Myffy, the way her brain makes connections between things is often really surprising to me. I feel like she thinks about things in a very different way than I do. So we both learn a lot when we take the time to have these conversations.

6. Instill Independence

Now this can be hard for the parents of small children. The toddler years are where they start finding independence and it can often bring us to loggerheads with our kids.

A thing needs to happen. The child absolutely does not want to do this thing. What do we do? I think that as much as possible, whenever we’re able to, allow your child to go ahead and try something even if you can see that it’s not going to quite work out the way that they wanted to.

Allow them to have that experience. Be there to help them, to pick them up if they fall down and all of that but really giving them the chance to try out their own ideas and then if they need some help making a pivot or making an adjustment figuring out what’s wrong, help them but let them have the experience, not always jump in and stop it just because you can see what’s going to come next because having that experience will help them be able to see in the future what you can see now for them.

7. Introducing sales situations

This tip is a little bit of an odd one because we don’t think of introducing sales situations to little children very often. If anything, we probably avoid introducing our children to sales situations but it’s a huge part of life.

Bringing into the conversation during buying things like, “So, what is it that made you want to buy that toy? Why do you think that appealed to you so much? If you were going to sell that toy to another kid, what would you say about it?” When they do want to sell things, if your child does want to make pocket money other than doing chores at home and things like that, really talk to them about how they’re going to present their sales.

If they’re going to do a lemonade stand, “How do you want to describe it? Do you want to have something else too? Do you want it to be ice cold? Do you want to put an umbrella in it? How can we make it more appealing to people? What would people really want with this lemonade? Should we have cookies as well? What kind of cookies? Do people really like Girl Scout cookies? Do we have Girl Scout cookies right now?” Just kind of discussing options, looking at how this exchange happens.

If your child wants to be able to have some money for certain things, what do they need to do in order to get it in an authentic and legal and positive way, like making sales situations a positive experience for your child, rather than something that can be mortifying?

8. & 9. Start Early and Have FUN!

The last two things I want to say are just to start as early as possible. Start implementing these different tips as you can and have fun with it.

Figure out ways to make looking at solving problems, coming up with solutions, selling things to the people who want them as something fun that you can do with your kid. Also, the money side of it too. It’s really exciting for kids to realize that there are ways that they can earn money and speaking of which, this brings me into my new project with my kids which I wanted to tell you about.

So, my youngest, Myffy, who’s six years old, for a while she’s been telling us that she is an artist and an illustrator like a friend of ours and I’ve been saying, “Yes, of course, you can be an artist and an illustrator, you can be anything that you want to be.” But obviously, in my mind, I’m thinking, “You can be an artist and an illustrator in 10 or 15 or 20 years after going to Art School.” What she means is she’s an artist and an illustrator right now and I finally thought,

Why should she have to wait 10 or 15 years to feel like she’s an artist? She does Art every single day

So does Tallulah, my oldest. So, I decided to go and set up a Redbubble site for them.

Now, Redbubble is a low barrier to entry kind of website, where artists upload their Art and it’s totally free for the artists and then what they do is they take those designs and they do print on demand on a variety of different products so you can get t-shirts or mugs, pillows, notebooks, all kinds of things. Greeting cards, stickers.

So I uploaded a few designs for each kid and I put them on there and we set it up and I announced it to my friends and family and they immediately had six or seven sales and it was super exciting for them and I can’t wait for Myffy in particular, to see two of our friends who recently got married. They each ordered a t-shirt with the design called, “Let’s get married” that she drew of a bride and groom on the t-shirt.

So, what that did for them was they now, really can see themselves as artists. They have artwork out there in the world that someone has paid to own, in some way. The profit margin for the artist is relatively small because Redbubble takes care of all the ordering, payment, printing, manufacturing, shipping fulfillment and Customer Service.

So at most, the kids are going to get about 20%, so those t-shirts were roughly $20 each. Myffy gets roughly $4 so that’s about $8 for those t-shirts our friends bought. I think the total we’re up to is about $18 or something in profit. But still, that’s exciting for a six and an eight-year-old, that’s a start and we can go in there anytime they want, we can upload some new designs, we can send it out to our mailing list of family and friends and it’s really exciting for them.

So if your kids are artists, want to be artists, want to be artists now, not just when they grow up, this might be a good option for you too. Check out my kids’ website. You can see what they’re doing and if you want to support some burgeoning artists/entrepreneurs, you can buy some stuff from them if you want.

So thank you so much for joining me for this episode today. I was really excited to talk about this. It’s something very close to my heart.

If you enjoyed this episode you can subscribe to Financial Fluency here on iTunes and listen every week. If you like what you hear, please also leave an awesome iTunes review

I do two episodes every week, one solo and one interview.

I also have the fantastic Mastering Money Matters group, a monthly membership group where you can join and we talk about all the different pieces week by week of getting our money systems set up and how we look at, think about and value money and all areas of our lives.

It’s a very supportive and private group just for women and it’s a safe place to hang out and talk. It’s kind of the extension of the interviews I’ve been doing with mainly entrepreneurs on this show, and it’s where we can talk about the things we may not want to broadcast out to a broader audience.

Let’s Keep the Conversation Going

If you’re enjoying the podcasts and something has lit a fire for you, carry on the conversation over on the Financial Fluency Facebook Group.

See you there!

Jen x

Financial Fluency Episode #34: Line Item Veto

Today’s episode is called “Line Item Veto.” For those of us in the United States, that has a certain meaning. I found out this morning when I was talking to someone in the UK that they had no idea what that meant.

So let me explain it real quick. Here in the United States, we have our House and Senate, the Congress who make laws and make budgets but then those budgets get sent up to the Executive Branch and the Executive Branch has the power of veto. Here in the United States, the president does not have line item veto, they just have full veto which means they have to either accept or reject a budget completely the way the Congress sent it to them.

There used to be something called “Line Item Veto” for the president and currently 44 states still allow their governors to have line item veto. So what that means is Congress puts together this budget, it goes through both houses, if it gets passed, it gets sent to the governor and the governor can then go through line by line, item by item and accept or reject the pieces of the budget without accepting or rejecting the entire budget as a whole.

Well, let’s say they usually accept it. So they can accept the budget but reject a few things. The purpose of this is to get rid of bloated spending, pork barrel projects, things that don’t really belong in the budget for one reason or another.

At the national level here in the United States, they decided to pull that power from the president because they felt like there was too much risk of the president punishing political opponents by line item veto-ing their particular projects for their states and their constituents. For the President, he either has to accept or reject the whole thing.

Sometimes you’re throwing the baby out with the bathwater or you’re taking the baby and drinking the bathwater.

Okay, that was kind of a bad stretch on that analogy but it means that a lot of times things that you wouldn’t necessarily get passed on their own, gets squeezed into a budget either put in last minute or put in in a way that is not quite bad enough for them to reject the entire budget because the budget has to get through, there has to be money to spend but a lot of things go through that some people, at least, wouldn’t want in there.

You can listen in to the full podcast below

So how does this apply to your personal finances? Well, to be honest, it’s a little bit of a stretch except I love the idea of going through a budget line by line. Now what I’m talking about is not you actually making a budget with lots of lines in it, I’m talking about going through all of your transactions over the last month, couple of months, if you’re really ambitious it can even be the whole year, and seeing what you have spent on in the past that you are going to veto from now on. How about that?

My Favorite App

A great tool to do this, my favorite tracking app which I personally use, There are a lot of different tracking tools out there, what I like about Mint is that you can put all of your different accounts in there. I hook them up to everything, personal and business alike, so I can see this as the one place where I see the whole of my financial picture all in one place at one time.

I have my mortgage in there, car loans, our credit cards are in there, business accounts, personal accounts, anything that we own that I can put a value to. I did even put in values for other things, different collections of different kinds, anything that had a significant value if we were to liquidate it, that’s kind of how I use it, I put in there because it also gives you your net worth which is great.

In terms of this line item veto that I want you to do a really neat function that has is that you can hit an “All Transactions” button and it will show you all your transactions across all accounts and all categories, chronologically. What’s neat about this is I feel like sometimes when people look at their personal and at their business and at different categories and different budgets there are ways that some transactions can hide when you’re only looking either at one account or one category at a time that you may not take into consideration when you’re looking at the whole.

So this way, if you go onto, hook up all your accounts; retirement accounts everything, let’s just see everything in one place at one time and then hit that “All Transactions” button and you can either print out the downloadable Line Item Veto pdf, download the PDFs or if you want to be old school, just take out a legal pad, and start going through every item line by line, every single transaction that you’ve made; deposits, spending, credit cards, everything.

KonMarie for Finances

Now, this is where I’m going to go a little off the beaten path. I recently read a book called, “The Life Changing Magic of Tidying Up.” It’s by Marie Kondo. They call it the KonMarie Method and I’ll be honest, I have not managed to completely KonMarie my house, I would love to and it’s definitely something I want to work up to.

I have two kids and two dogs and a husband, yes I will get there eventually but I’ve managed to do it in little segments so far, like my jeans. I KonMarie-d my jeans. But the point behind it if you haven’t read the book, one of my favourite parts of this book was the idea of systematically taking every single thing you own, every item in your home, holding it in your hand and seeing if it sparks joy. Now that might sound a little esoteric, a little “woo-woo”, a little emotional for you and it doesn’t quite exactly apply to finance because there are some things that may spark no joy whatsoever, but which we still have to do for one reason or another. Regardless I still like having that criteria in there.

Here is what I want you to do. As you go through item by item, transaction by transaction through your “All Transactions”, I want you to take a look at each line and ask yourself:

  • Is this an absolute necessity for my family?
  • Is it keeping us warm and fed and healthy?
  • Is it doing something important which would cause my life to be significantly diminished without it?
  • Is it something that helps me make money in some way?
  • Does it support my job, or my business?
  • Is it a tool that I use?” and then the last criteria I want you to take is,
  • Does this spark joy?

Looking at those three basic things (do I need it, does it help earn income and does it spark joy), really if it does any of those, it’s a “yes”. If it doesn’t do any of those, I want you to take a good hard look at it, think about that item. The items that I want you to write down are the ones that don’t fit into any of those three criteria. So if it does not sustain your family in some very significant, real and positive way, if it does not help you to earn income in some way and if it does not spark joy in your life, ask yourself, “Do you really need it?”

If it’s something that recurs and you don’t need it, cut it right now while you’re doing it, just stop, go cancel that subscription, change that thing, get rid of it right now. You’ll feel a new lightness come over you. You just decluttered a financial drain on your system. If it is not a recurring charge, if it’s something you bought once but regret, is it something that you could return to the store and get a credit for it? Is it something that you could sell on eBay or sell in some other way? Is there some way you could get rid of it and recoup some of the cost?

Is It REALLY Worth Your Time to Sell it

This one can be a really tricky one. I did an episode a while ago with Lisa Sharp from the Clear Calm Space and on the episode I brought up this idea of selling things as you declutter them and she said there’s a fine line because sometimes people think that they will be able to recoup some of the money and that makes them hold on to it. They put it in a closet, thinking,

Oh one of these days, I’ll get time to list it on eBay and do all of that

But they never do which means they have a closet of clutter. They’d be better off just getting rid of it. As you do this, if you find any purchases that you regret, ask yourself, “Will I feel better just getting rid of it or do I want to go ahead and try listing it, try selling it, try doing something? Is it worth my time? Will I be able to recoup enough of it to not only be worth some of what I paid for but really just to be worth the time that it’ll take to photograph and list it right now?”

Could you make more than that doing something else? Like if you’re going to sell some books on Amazon, how much do you really get for used books? Are you going to spend 25-30 minutes, taking pictures, writing the description, listing it and then get $3 for the book? That’s not worth it, just give the book away, just take it to Goodwill, take it to a used bookstore. Give it to someone as a present if you think they’d like it.

If it’s something like, say, a handbag and you keep thinking, “I’m going to use it” or a dress that doesn’t quite fit right but it was really expensive. If it’s something that’s brand name enough, do a quick search, look up what people are getting for them, especially if you’ve not worn it much and see is it worth it? Could you get $100 for it? Well $100 is probably worth 15-20 minutes of your time to go and take some photos and list it. If it’s less than what you get paid or pay yourself hourly then really question whether if it’s worth the time. You might feel better just getting rid of it.

Now that you’re doing this, try at least once a month. I recommend doing at least every quarter if you can and if you’re super ambitious, go through a whole year. Even though in some ways it might be depressing to see the things you’ve spent money on that you don’t now think were worth it, it also can be really liberating because you can put that information to work from now on and not spend that money on those things anymore.

The problem is that a lot of times we have those experiences, it’s unpleasant to realise that you made a purchase that you regret. So rather than thinking about it and being intentional about it in the future, we just kind of ignore it, push it aside, try to pretend it never happened, just put it somewhere else. But then I think that makes us susceptible to that same kind of purchase again in the future.

We ALL Do This

Have you ever bought something again that you once regretted for some reason? Anything? Courses, clothes that don’t quite fit, things you’re going to grow into.. You know, I feel like we all have these things, maybe, weight loss programs. I’m thinking of myself here. I have done a lot of things since having babies to lose those last few baby pounds and a lot of them didn’t work.

I kind of wished I hadn’t spent that money and yet I would do it again another time and then another time I’d try something else. I don’t do that anymore. I’m stopping because the results that I’ve gotten have not been worth it and the money that I’ve spent, in the end, you know, I could have put that to better use.

If you have anything like that, maybe it’s online courses. A lot of people do repeatedly buy online courses now because it’s such a huge industry. We all want to be learning things all the time and we can learn a certain amount from books but with the courses, there are these specific things that we want to get from them and the sales pages can be so persuasive, they can have so much influence over you that you get in there and once you’ve bought it, once the purchase is made, the money is spent, you might get distracted.

A lot of the courses have great material but what you’re really buying is the experience of going through it with the other people in it and getting some of that attention from the person leading the course, right? You want to learn directly from them and a lot of them give you lifetime access so you’re like, “Well, you know, some things have come up. I’ve not been able to really keep up with it but I can always go back.” How often do you go back? If you’ve bought courses before and haven’t gone back, stop and go back now. Go back and take stock of them, look at all of them.

Ask yourself how much ROI you got on them, how much return on that investment. Could you get more? Could you go back right now and squeeze more out of that investment by revisiting that course?

Do that before you buy another course. Make sure you get something out of it, enough out of it and I’m just speaking from experience here myself because I’ve had a few times where something’s come up, one of my kids have gotten sick, I haven’t been able to finish something and I think I’ll go back and do it and some of them I’ve never gone back to. So, that’s some of my decluttering that I’m doing right now is I’m going to go through and get rid of the things on my hard drive, things I’ve downloaded.

There’s so much information out there now that there are times when free stuff that just takes up space somewhere isn’t worth it either. It isn’t worth cluttering up your space with something just because it’s free and might someday help you.

Just In Time, Not Just In Case

One thing that I really like from some of the productivity books that I’ve read is this idea of “just in time” instead of “just in case” and it came from looking at the Toyota model for manufacturing where they set up the companies where the parts that were needed and the things that had to happen, these different process used, things would arrive just in time for the next thing to happen.

That way, they wouldn’t keep tons of inventory just in case they needed it and that saved them so much money both on buying the extra inventory and then on the storage for it and then if it was things that perished like rubber pieces, belts and tubes, they wouldn’t lose the money on the items perishing. So it saved a lot of money, it cut out a lot of the waste and bloat in the U.S car manufacturing industry and the U.S car manufacturing industry learned from that, they learned a lot from the Japanese model. Again, that takes us back to this cutting the waste, cutting the bloat, line item veto.

You’ve got the information. If this sounds like something that could help you out, do it, go and do it, do it right now. Sign up for, print out the PDF or get a legal pad or something with enough pages that you can really go through and write all those things down and ask yourself how much you’re getting out of this. Yes, you’re investing a little time in this but you might make some really good discoveries and take some really good action that can save you a lot of money that will be worth the time of sitting down and going through all of your transactions, one by one.

If you like this episode, if you like any of the episodes, please subscribe to the channel so that you’ll get it every week and I would love for you to come over to our Facebook group. Join the group and join the discussions there. I’d love to hear what happened when you did this, how it went for you, did you discover you’d forgotten about or make some connections you’ve never realised, have an “a-ha”, I would love to hear it. So, join me over on the Facebook group and I will talk to you soon!

Financial Fluency Episode #23: Healthy and Wealthy with Krisha Young

This week’s interview is with the wonderful Krisha Young.

Krisha is a Nutrition Warrior – what a great job title!

We talked about how an overnight success is rarely what it seems, (unless you’re a teenager plucked from a mall to a runway!) and how much work Krisha put in before she left her corporate position.

You can listen in below and Tweet it out hereTweet: via @jturrell I'm listening in on how to be Healthy and Wealthy with Krisha & Jen:

Links mentioned:

The Dirty Dozen & Clean Fifteen

Favorite Quotes From The Episode

Quitting a corporate job wasn’t easy – Krisha

Trusting that I can make the money in my business was a huge mindset shift – Krisha

I realised I had never sold anything! – Krisha

Quitting your job sounds ideal but then you have to run a business! – Krisha

Having a schedule for your day is super important! – Krisha

It’s not about cutting out major food groups, it’s about bringing in more healthy stuff. – Krisha

Krisha YoungKrisha, helps busy women eat well and feel damn good – sans ridiculous restrictions or heaps of kale. (But you can eat kale if you like it.)

She used to be you: Overworked, overweight, full of negative thoughts around food, run-down and I had rotten digestion. The thing that changed everything? Learning to navigate food labels, stock good stuff (that she actually enjoyed eating) and figuring out which foods made her feel amazing.

Find out more about Krisha here.

If you enjoyed this episode you can subscribe to Financial Fluency here on iTunes and listen every week. If you like what you hear, please also leave an awesome iTunes review

I’m doing two episodes now every week, one solo and one interview.

I also have the fantastic Mastering Money Matters group, a monthly membership group where you can join and we talk about all the different pieces week by week of getting our money systems set up and how we look at, think about and value money and all areas of our lives.

It’s a very supportive and private group just for women and it’s a safe place to hang out and talk. It’s kind of the extension of the interviews I’ve been doing with mainly entrepreneurs on this show, and it’s where we can talk about the things we may not want to broadcast out to a broader audience.

Let’s Keep the Conversation Going

If you’re enjoying the podcasts and something has lit a fire for you, carry on the conversation over on the Financial Fluency Facebook Group.

See you there!

Jen x