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How to Unlock Financial Freedom Through Perseverance | Cashflow Hacking Ep #10 Julia Carlson

Julia Carlson

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How to Unlock Financial Freedom Through Perseverance | Cashflow Hacking Ep #10 Julia Carlson

Julia Carlson, Founder and CEO of Financial Freedom Wealth Management Group, joins us on the podcast building successful money habits, and regaining control over your financial independence. Since founding her comprehensive wealth management firm, Julia has helped thousands of investors to regain control of their finances and successfully plan for retirement, and now he joins us on the podcast to share her advice and help you to do the same.

For a free copy of Julia’s eBook, Fit Money: 7 Steps to Get Your Financial Life In Shape, be sure and send Julia a short hello at [email protected]

 Video Verison Of The Podcast

People & Resources Mentioned 

Podcast Transcript

Intro: 00:13

This is the Finance & Markets Cashflow Hacking Podcast, streaming to you live. Teaching the methods behind unlocking long-term wealth. Your host, Casey Stubbs.

Casey Stubbs: 00:29

This is Casey Stubbs with the Finance and Markets cashflow hacking podcast. We’re here with Julia Carlson, the founder of Financial Wealth Management Group and the author of Fit Money. Uh, thank you for being with us today, Julia.

Julia Carlson: 00:41

Thank you for having me. I’m excited to be here.

Casey Stubbs: 00:44

Excellent. So can you give us a little bit of background, tell us about how you got started and what you’re interested in now, what your passion is.

Julia Carlson: 00:53

Yeah. So great, great story. Actually, I learned about stocks from my grandpa growing up. I was raised in a household that was very open about money, talk about money. We talked about investments but we were not rich but we were not poor. It was just kind of um, probably I would say upper middle class and money wasn’t taboo, right? So I wouldn’t had a very healthy mindset around money. And when I was in high school, I had a great business teacher and I was involved in Deca, which is a business club. And when, I learned about how to be an entrepreneur and how to, uh, do marketing and business and, and that followed me into, um, a little bit of college, so I actually have only a two year degree in college when I, this summer I graduated high school, I grew up in Seattle area. I met my future husband and I moved to a very small town on the Oregon coast of 2000 people. And so there wasn’t very much job opportunities here and I thought, what am I gonna do? So I went to work for a bank at 19 while I was still trying to, um, get my, working on my college and they had an investment department. And so I actually called up the president of the investment department and said, I want to work for you. And so I, I moved from teller over to the investment side. Loved it. I got all of my licenses before I could drink alcohol. And so that was around 20. And then at 23, I was ready. I was an assistant at that point to the investment advisor. And I really want to, I was ready to take on my own clients, like I wanted to help people. That was my passion. And the bank said, well, until your boss retires, until that investment advisor retires, we can’t put you into that position. Right? You can help people. And she was not retiring anytime soon. So at 23 I started what is now my company Financial Freedom Wealth Management Group.

Casey Stubbs: 03:09

Well that is a pretty interesting story. There’s a couple of things that I picked up from it. A first one is I’ve noticed that for, for achievers, they usually like to have a ladder that they can climb. And I’m speaking from personal experience because I’ve been in a lot of jobs myself, and if there’s no way that they can go forward or upward, they like to make their own path, which it seems like that’s what you did.

Julia Carlson: 03:35

For sure. For sure. Yeah, it wasn’t easy, right? It wasn’t overnight success, but I was willing to hustle and put in the hard work.

Casey Stubbs: 03:45

Another thing from your background that really stood out to me is that you learned from your grandfather about investing. Now, did you have any other brothers or sisters or were you an only child? Like how did you get the interest from your grandfather in that area?

Julia Carlson: 04:03

Well, I do have, I’m the middle daughter, but I’m, but I’m the only daughter, so my, I have an older brother and a younger brother and my older brother is a musician so he got that gene and then my younger brother is a little bit more wired like me in the financial industry. So I was always intrigued. I don’t know. I remember going to visit my grandpa and he would have the, the TV with the ticker, right? You know, he would, he would watch the stock tickers go and across. I don’t know if I was intrigued by that, but it was, it was just. He would tell the story behind it as well. Right. So it wasn’t only that he bought Walmart stock, he bought Walmart stock because he, you know, he knew what Sam was doing, right? And so he knew the story behind it and really believed in it. So another stock he had was a Lincoln Financial, right. He, because he was a farmer and he was from Indiana, right? So he knew that story intimately and it wasn’t like he was a big stock trader. He just had these specific stocks that he believed in their story and held onto it. He just died last year at 98 years old.

Casey Stubbs: 05:21

Oh wow!, that’s pretty amazing. And I’ve got some similar, uh, influences from my father in investing and that’s kinda how I got started as well. So that’s why I picked up on that. Now with my kids though, they just don’t seem. No, maybe it will come when they get a little older, but they just don’t seem interested at all. Especially my daughters. Like they have just not a lot of interest in it. They are more interested in like shopping and other things like that. Not In investing.

Julia Carlson: 05:48

Well, what I would encourage you to do, I did this with my kiddos when they were still playing with barbies, right? My kids are 15 and 10 and eight and I had them pick out the stocks that they wanted to invest in and then I helped him, help them. So for my daughter it was Mattel. And then, um, I think my, my son has Nike because he like, you know, he’s always wearing nike shoes. He loves to run and be active. Uh, and so, but what that does is it helps them see the experience, right? So they can. So they actually, they know, hey, what’s my stock doing mom? So they can follow it. It’s not very much, but it’s just a tool.

Casey Stubbs: 06:33

No, I think that is a good idea. Now, would they also go over the story behind it, like you were talking about with your grandfather, you know, he knew the story. So if their toys stock starts going down or they’re going to say, oh, what’s going on? Why am I not making money here?

Julia Carlson: 06:47

Well, yes, exactly. When I had them, when I had them choose, it was telling that story like, OK, this is your Barbie. Right? And then funny, Mattel had, you know, overtime Mattel has not done that great and so I’m like, yeah, it’s because the head pops off, right, and it’s not a good quality product and then everyone throws them away. So it’s, yeah, I’d say there’s a lot of little lessons that you can sprinkle and my guess is they’re, they’re absorbing something from you, right. As you talk about it and are educating them, they may not seem like they’re interested in it, but my guess is they’re taking something from that.

Casey Stubbs: 07:24

Well that’s actually a really good piece of advice that I am going to seriously consider taking action on that. So thank you for sharing. Now you again, we’re talking about financing your kids and also running a business. Um, how have you been able to handle being a mom and also a business owner?

Financial Freedom Team

Julia Carlson: 07:47

Yeah. Good question. So I always call my business as my first born because with my business, I started when I was 23. I didn’t have my kids until I was, I’m older, right? 27, 28, I think. So it was, it really, I was able to pour this energy into that, which is what you have to do in the beginning, right when you’re starting your own business. It’s like you’re working 24/7 and that’s really what I was doing for those years, but then I was able to build a team around me that has now really. It’s not just Juliet’s my team, right, so I can do a few things really, really well and uniquely in my company and that’s what I focus my time on and then my team around me is doing the things that don’t make sense for me to do or my weaknesses are their strengths, so that when we hire here, we’re very selective in that process to make sure that they’re, they’re gonna be filling a hole that, that I need to be. That needs to be filled, right? That can take stuff off my plate and that’s, that’s really been the secret to my success is. The bigger we grow, I’m not afraid of investing in hiring the right people to be able to alleviate my duties and so then I can leave it for clock, for baseball game, right?

Casey Stubbs: 09:17

I think that it’s a pretty cool thing because I know many of my friends that are business owners, they struggle with that because they feel like they have to work or else that stuff’s not going to get done because the pressure is all on you, right? So if you’re running a business and things aren’t done, well, you can’t necessarily leave to go to that baseball game because you’re, the buck stops with you. You’re the responsible party. So did you ever struggle with those moments where you felt like, OK, you had to really set your priorities? Uh, you had to choose between the business and choose between making sure your family was strong.

Julia Carlson: 09:55

So. Yeah, absolutely. And I would say that, that, that is, I mean there’s times that I haven’t been able to, to the concert and miss some games and, or been out of town. I mean, I was out of town for my daughter’s first homecoming dance, right? So what did we do? We facetimed and we did things to, to um, to make it special in some way and so that, and I think that that’s what you have to do. My all, my kids also, I bring them along in the success so they know that mom works in, owns her own business and is busy and travels and their sacrifices. But in those sacrifices are the rewards of, you know, they can’t have a horse and they get to go on vacation and so we would trade offs. There’s always going to be tradeoffs because of the opportunity cost, right?. In the financial world.

Casey Stubbs: 10:50

So do you think that if you’re working in a, you’re in a season where you’re working a long time, you got a lot of hours and then you take a really long vacation together. Do you think that that makes up for some of those long work hours? Because I do that too. I work a long time, but then I’d take a one month vacation to go to Oregon every year to go visit my, visit my family and we spend time talking about our financial freedom plan. We’re like morning to night, were together every day for a month and sometimes I think, well yeah, that makes up for some of the work and so I think that it does, but I’m just asking your perspective on it.

Julia Carlson: 11:23

Yeah, I agree. Yeah. I think this idea of balance, it doesn’t have to be 50 50 all the time, right? It’s not, the balance to me, doesn’t mean that I’m spending half my time here and half my time here. Balance to me is feeling that integration where there’s going to be seasons in life, seasons where I got to work hard. And then seasons where I, we own a lake house, right? So the summer is usually three, three, I have a three day weekends, all summer that I’m just with my kiddos. And so that is, that’s the, the um, the balance comes at later times, like you said, right? It’s hard. I haven’t been able to figure out how to take a month off. But, and I think the other secret to that is when you’re with them or when I, when you’re in those other roles that we play in life, it’s important that we show up in that role, right? Like, so when I’m with my kids, it’s, I gotta be conscious to put the phone down and put it on silent and not checking the emails and so. So that allows me to be present with the kids. So that I, that I think is more important because I could be a stay at home mom, you know, being on, you know, facebook or social media all day and not be engaged in their lives. So I think if the quality and the presence that they feel when I’m there is, is the important part for me.

Casey Stubbs: 12:49

That’s actually another really good point also because, uh, I know that if I’m at a basketball game or something and I’m answering emails on my phone, I’ll hear it from the kids. They’ll be like, oh yeah, you came to the game. Great, but you didn’t do anything. But we’re on your phone the whole time. So, as a result, I’m working on not on making sure I like leave it in the car because I’m not that disciplined.

Julia Carlson: 13:12

It’s hard. It’s hard. Yeah. And especially as business owners where in today’s, in today’s world where people want to be able to get an answer like that or get a hold of you. Uh, it’s, it’s hard to be able to set that boundary,

Casey Stubbs: 13:29

Right, but I think it’s important for our health and for our families and for our financial health as well. So that’s really good. So I want to switch gears now and talk about your book. So your book is called Fit Money. There’s this subtitle…

Julia Carlson: 13:44

7 Steps to get your financial life in shape.

Casey Stubbs: 13:46

OK. Can you tell us a little bit about your book?

Julia Carlson: 13:53

So the back story, I never thought I would have been an author, but when after I had my three children, my health had taken a backseat, right. And I, my life, my whole life I’ve been kind of an athlete and active. But after the kids I gained weight. I wasn’t as active. And I thought, boy, I need to get back in shape here. So what do I do as a go getter? I decided to set a goal of competing in a bodybuilding competition. Yes, so I competed in Arnold Schwarzenegger, the show in Columbus in 2013. It was so. But there was this five year period that I was pretty obsessive about competing and, and what I found in that though was the more focused I got in eating right and healthy and that the clarity and focus around that, I thought it would translate negatively into my business. Like I was spending so much time over here, right? That my business is going to suffer. But in fact it doubled, um, in one year over that time. And I think I. What I think is in that focus, the focus is showing up in all aspects of your life. And so after this period of time, um, last year I was kind of just left thinking about everything and what I discovered were the same skills that I needed to be healthy and to lose weight and to feel great and disciplined where the same skills somebody needs to get their financial life in shape. And so the story of competing really, um, I want to do write that story for someone to move ahead and build a strong financial future wealth freedom finance. And so my book talks a little bit about the, the parallels between your health and your wealth and how do we make good progress

Casey Stubbs: 15:58

I don’t know how I can actually, how I actually feel about that because it seems pretty crazy to think that if you’re going to put more time into your health and you’re talking about like eating and working out because you were going to be a bodybuilder. So you’re taking time away from your business.

Julia Carlson: 16:19

Yeah, I mean well, I was always at, during that time I started waking up at 5:00, so I would work out an hour before the family woke up. And I would also do like mindset and meditation and, and like getting my mind right during that time too. That was like my sanity hour and then I would meet with a trainer at lunchtime and then really close to the competitions. I would actually have to do another, another cardio workout before bed.

Casey Stubbs: 16:50

And so you were obviously getting less time to work on your business at that time and probably less focused. So how did that, and maybe I’ll have to read your book, but how did that equal growth in the business?

Julia Carlson: 17:06

Honestly, I think that is where the team came in because that is where we. When I look back now, that’s where we hired quite a few people. We went from probably a staff of six to a staff now of 12 and the, so there were..so at that time I had to start. I was trying to do everything at that moment, right? And I actually read a book in that somewhere where it was, it was that concept of growing your business and instead of growing it two times, if you think about growing your business two times, you work harder to get that result, but if you think about growing your business 10 times, right? You have to think differently, you have to, you can’t do that by yourself, you know, you have to go outside the box and, or employ or who is going to help me, not the how, right? So that’s when really the team really jelled and I was able to start layering off my duties of everything that I was in charge of.

Casey Stubbs: 18:10

Did you see your team members since you were not as involved in certain areas? Did you see them pick up, pick things up that maybe they wouldn’t have done before? Because now they have more responsibility?

Julia Carlson: 18:24

Uh, yes. Yes. So they, they, we do, we have something with our staff as owning the unresolved meaning. So I, I don’t want to be a micromanager, but I find if I get involved in it and they’re not doing it the way that I would be doing it, that’s where I will come in and go, wait a minute, Dah, Dah, Dah, Dah. So changing it to where I can say the end result is I want 50 people at our workshop, right? It’s, that’s, that’s the only thing that I need to inspect, right? Because they that then it’s their job to get there. Now we give them success praying, you know, we, we hold them accountable in the beginning to teach them how to do that. But the end result now with a more seasoned staff is they know, they know the end result that we’re looking for and I don’t have to. I’ve done the inspections along the way I guess. So I’m not at the trust is built that, that will happen.

Casey Stubbs: 19:23

You have done enough training so that they know the basics and they, they’ve got some experience that they can make things happen that’s really good. I think a lot of business owners are afraid to take that step because of fear that they maybe or maybe a mindset that they’re the only ones that can do it or they’re the only ones that care about the responsibility. So I think taking that step was a really big move for you. Um, what would you say to other business owners that needed to take that step?

Julia Carlson: 19:56

We’ve done a lot of work around building the culture and the core values of the company. And so there’s actually a great book called Traction by Gino Wickman, I don’t know if you’re familiar with that, but great book. And in that there is, he talks about what he calls the Entrepreneurial Operating System, EOS, and while you’re going through building this into using the tools that he talks about in his book and implementing it into your, your business, there are, uh, there are um, values that you’re creating and you actually hire and fire by those values. And if that is so we, meaning we want people that are aligned with, what are we doing? right? So at financial freedom, we want, we want employees that want to make a difference in clients lives that want to help them pursue financial freedom, right? And so if they’re all aligned with our mission and our values, then people are getting excited about it and you can see like we’ve had staff members that aren’t excited about it and it’s almost like an opt out process. Like you can see it’s not working because you know, this is the, this is what’s running through all parts of the company.

Casey Stubbs: 21:24

Well, now that you’re talking about your goal is to make a difference and you want to see people really have freedom. The name of your company is a great name, Financial Freedom. What do you think is the most common mistake that you see people making when preparing for retirement?

Julia Carlson: 21:43

Probably not starting early enough. Yeah, I think that saving for our futures should be something that’s taught in high school. Like yesterday I spent an hour with seniors at a local high school talking about investing and saving and if you started now, you know, this, it could make such a big difference and so I think that that just being able to help people have that mindset that you know what? You don’t have to have 100,000 dollars to get started. I started saving. My Dad helped me start saving $50 a month. I would. I would take my. I worked at Mcdonald’s, right? I would. I would take my little bit of my paycheck and I would send that money and I’ve been investing every month since then.

Casey Stubbs: 22:36

Now when you were talking to those high school kids and you were saying you can start now, did you see like any light bulbs going off? Did any, did you think that was connecting with anyone?

Julia Carlson: 22:45

Yes. Only because they, um, they ask questions, right? They were engaged. So I think I, I think so I got a note from the teacher this morning saying that it was, it was, um, she got really good feedback. So it’s giving in into, you want the mindset also is I discovered working with clients for 20 years, the, the mindset of, of having this, having a good relationship with the word “budget” and, and not sometimes it’s a negative that, that we should be watching how we spend our money, right? But most of the clients that, that ended up in my office that are retiring early or late fifties, it’s not because they got an inheritance or because they won the lottery, it’s because they started saving and investing at a young age and they did it month in and month out and we’re just really consistent. So…

Casey Stubbs: 23:49

I think that a lot of people don’t want to do it. They don’t want to do the discipline, but I also think that they just don’t teach it very much. Like you said, you’re talking to high school kids. I don’t think they’re teaching that anywhere and so if they’re not getting it from their parents are not getting it from school, it would be really hard for people to understand that that’s something that they need to do.

Julia Carlson: 24:07

Absolutely, and that’s really what I talk about in my book. It’s, it’s like it’s that paralyzed with all the information, right? It’s kind of like going on a diet. If you’re going to go on a diet, you have to choose, am I going to do weight watchers, am I going to do a low carb, high protein, high fat, low carb, like a, the south beach diet or thousands of different diets out there you can choose and guess what? all of them work, but you just have to follow it and be consistent, right. But a lot of times it stops being overwhelmed with all the choices, right? So they don’t get started because they don’t even know where to begin, right? So of the 10,000 different mutual funds out there, how do you choose the right one or should I open up a this type of IRA? Should I be doing it at work? Should I be doing, you know, so then they just kind of give up and don’t make a decision, right.

Casey Stubbs: 25:04

If someone is thinking about starting planning for retirement, what steps do they you recommend that they start to think about? Like what? What’s the process that you would recommend they go through?

Julia Carlson: 25:17

Yeah, so the, the first. Now I understand I’m not going to be able to sit down with everyone and that was the hope of the book, right? So I can get the…but the set, the process in my book is number one, you’re, I call it desire, determination, and discipline. So we have to, we have to like think about the desire, OK, we want to start thinking about retirement. Well that may be 40 years away or 20 years away. So what is going to be the compelling reason of why we’re gonna make that decision to start saving for retirement? right? There’s gotta be that compelling reason of why, so that when they want to spend other money or, um, does that, you know, it’s like going into Target, right? You can have, you could go into Target with a list of one thing, but if you’re distracted and you’re not like focused, there’s a whole bunch of other stuff that ends up in your basket, right?

Casey Stubbs: 25:17

And you waste a lot of money.

Julia Carlson: 26:17

You’ll waste a lot of money, but the idea of having that desire and determination and in discipline, which is the first step is you get really clear with those goals and that way when you’re getting off track, you can kind of pull and bring yourself back in. So the second step is that healthy money mindset. So, so some people have, have a very negative perspective around money, right? Or they have a mindset that budgets are bad or that I can afford this or I’ll never be able to get out of debt or I’m never gonna be able to retire. So those are those thought patterns are running through your head. It’s gonna be really hard to get out of debt or save for retirement because those thoughts sabotage you. So I’m an exercise that helps people get through, get through those healthy money mindset to bring awareness to it and let them go and then move forward.

Casey Stubbs: 27:17

Now if I was someone that was interested in getting a financial planner, a wealth manager and I was going to approach you to be a client, would you teach me those kind of things? Um, as, as one of your clients, not just like what to invest in, but some of these other things that you’re talking about right now?

Julia Carlson: 27:34

Yeah, absolutely. We, we think that money is a science or a or just about the finances, right? But I, when I look at my job in the last 20 years, I’m a coach, you know, I’m a counselor, so I have to bring in the relationships and money I have to bring. How do we talk to your spouse about money? I have to bring in all those different aspects for your mindset. Absolutely. We talk about that.

Casey Stubbs: 28:02

So money is not just this little thing that we have in a vacuum that’s just separate, it’s a part of every part of our lives and so if one part of our lives is out of order, that could impact everything, like you said, with our mindset or our health or anything that can impact the whole picture.

Julia Carlson: 28:25

Absolutely. Yeah. I inspire and it kind of comes back to that financial freedom play on words there, but it’s that inspiring them to think about and abundance and thinking about financial freedom like. So that’s what I try to get to is what does that mean for you? Like it means different things to each of us and it doesn’t necessarily mean financial independence, right? Because I may not be financially independent until I’m retired, but I can have financial freedom today if I’m being really proactive and going after my goals and being intentional about what I want to achieve.

Casey Stubbs: 29:00

Yeah, and I think you’re right, desire is a really big part of that because you want to have to. You have to really want to be free and to you know, live the life that you want to live and have a financial freedom llc. And for me it’s been really important. I’m still working on it but um, but I, I, I liked the desire aspects, so if a…

Julia Carlson: 29:23

I can keep going coz I didn’t get to, how to, what to say.

Casey Stubbs: 29:25

OK, go ahead, sorry. Julia Carlson: 29:28 OK, so step three then is relationships and money can come back to that, but that’s our relationships and money and everything was that for is proper protection. So I’m wanting people to go through these steps before they’re saving for retirement and step five is what I call the fit money navigator, which is just a fancy word for budget. So getting people to start thinking about where their money’s going. Step six is getting out of consumer debt, so I don’t feel like you should be saving for your retirement when you still have consumer debt. And then step seven would be planning and investing for your future. So that’s where we get into, do you have an employer sponsored plan? What does that look like? Where is your income? What’s your tax bracket? Like I teach people how to understand taxes and how to understand their tax bracket and then thinking, then we can make the decision, should it be a 401k, should it be a Roth IRA? Should it be a traditional IRA? Should we be doing something for your spouse? That’s a stay at home mom and spousal IRA. So those are all the different things that go into that decision.

Casey Stubbs: 30:45

I think there’s a lot involved there. Step six is can be a little tricky getting rid of your consumer debt. If you are able to get that, then you’re not going to have any retirement that, that can be a really scary thing.

Julia Carlson: 30:59

So two rules of rules of thought around that, would be you’re exactly right. So if, if, if, if someone, if I’m helping someone that is ready to make the lifestyle change, it’s that they’re ready to figure out that desire and they’re ready to go through all those steps, then I would say, yes, let’s pause retirement. Let’s take care of this debt. Let’s get rid of it right now. Now if it’s someone that is not willing to make those changes, it um, then then they should be saving in retirement in their 401k. It’s kind of like, um, let’s say someone has diabetes, right? So if you’re just getting diagnosed with diabetes, you could change your diet and probably keep this disease at bay, but you have to go and get the education. You have to be empowered. You have to. Why do I want to make these healthy decisions to keep your hand out of the candy jar? Right? So if that’s someone I’m gonna say, yeah, let’s pause every time and let’s get you to that free and then boom, you’re on your way. But if it’s someone that just wants the insulin or just wants the Metformin, right, then I’m gonna say do your best. But yes, keep saving in your retirement.

Casey Stubbs: 32:21

But you know, that is a really good analogy because I have a personal experience with that on both sides, but I’ll tell you that if you want to just take the insulin and eat the junk food, it’s not going to have a very good effect. Right? I mean, it will work a little bit, but you’re still gonna go down the trail you don’t want to go down.

Julia Carlson: 32:45

Yeah. Yes, you’re exactly right.

Casey Stubbs: 32:47

I mean you have to cut it out. I mean, that’s just, and if you want have. Yeah.

Julia Carlson: 32:52

And so what would be that compelling reason? I want to live for my kids, kids, young kids. I want to be able to walk my daughter down the aisle. So you have to get into those emotions and keep those emotions present while you’re trying to do that change.

Casey Stubbs: 33:09

Yeah, that’s a great goal. Planning thing is just think of the end picture, think of the end result, what do you want? And really go after big picture stuff is really important, but it’s hard to because there’s so many details and obstacles in the way. It gets really hard to see the big picture sometimes.

Julia Carlson: 33:25

It’s kind of like bringing that into their default future. If you keep doing what you’re doing now, what is this gonna look like 10 years, 20 years down the road and that’s good. That’s a good thing to do with kids, right? So if they’re doing something they shouldn’t be doing, it’s getting into those questionings, right? Because if you’re. That’s why I consider myself a coach, not an advisor. Advisor tells someone what to do. A coach can add, give you questions to bring you to the answer, right? So if it’s always, your idea is gonna be better. Right?

Casey Stubbs: 34:05

Yup, totally. Because if it’s your, it’s your dad’s idea, it’s the worst idea ever. I’ll just tell you that right now. But then if it becomes their idea, then it’s a great idea. That’s how it works with me too. Well, Juliet, if someone is one of our listeners wants to get in contact with you, would be interested in checking out your services. How could they find you?

Julia Carlson: 34:26

Sorry. So I’ve got two different websites. I’ve got juliamcarlson.com and that’s me as an entrepreneur, as a mom, as my book information is there, and then they can go to financialfreedomwmg.com, and that is my company’s business page and I wanted to put an offer out there to all of your listeners because it is financial literacy month this month, but also this could be later that people hear this. So I will offer if you, uh, send me an email to [email protected], I will send them a free copy of my ebook.

Casey Stubbs: 35:16

Excellent. Excellent. That’s great! Uh, we’re going have all of that information underneath the podcast, on our website and on Youtube and everywhere that this is gonna be broadcasted, we’re gonna have your links and uh, I’m gonna put the link out for that as well if they know, you know, the information for that. Well Julia this has been a great time. Thank you so much for taking the time to be on the show.

Julia Carlson: 35:45

Yeah, you’re welcome. It was fun.

Casey Stubbs: 35:45

OK, bye.

Julia Carlson: 35:45


Outro: 35:56

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