Jan. 14, 2026

119: 4 Money Seasons Most People Misunderstand (And Pay For Later)

119: 4 Money Seasons Most People Misunderstand (And Pay For Later)
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Season 5

Financial planning isn’t a one-size-fits-all game. Life happens in seasons, and your money should move with them.

In this episode, Jessica and Brandon break down the 4 major financial seasons, Building, Stability, Stretch, and Harvest, and help you identify which one you’re in right now. We’re talking real-life money shifts, mindset changes, and how to give yourself grace when your financial plan needs to adapt.

Whether you're stacking cash, raising kids, recovering from setbacks, or preparing to enjoy your freedom, this episode will help you make smarter, more aligned money moves.

In this episode:

  • Why financial planning is a verb, not a one-time fix
  • The 4 key financial life seasons we all cycle through
  • How to shift your goals + habits to fit your season
  • What to focus on if you’re overwhelmed in your “Stretch” season
  • Why money guilt is real, and how to let it go

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Money, relationships, and the mindset to master both. Hosted by financial advisor Brandon and his wife Jessica, The Sugar Daddy Podcast breaks down how to build wealth, unpack old money beliefs, and have real conversations about love and finances. Their mission? To help couples and individuals grow rich in every sense of the word: emotionally, relationally and financially.

Chapters

00:00 - Planning As A Verb

01:47 - Why Money Moves In Seasons

03:20 - Four Core Seasons Explained

05:02 - Building Season Priorities

08:55 - Stability Season Systems

12:18 - Stretch Season Tradeoffs

16:50 - Using Your Emergency Fund Without Shame

19:20 - Harvest Season Mindset Shift

23:10 - Flexibility Over Perfection

26:50 - Steps To Match Money To Season

31:00 - Real-Life Transitions And Support

36:30 - Grace, Next Steps, And CTA

Transcript
WEBVTT

00:00:00.239 --> 00:00:05.839
We talk a lot about financial planning, like it's this one size fits all, set it and forget it kind of thing.

00:00:06.080 --> 00:00:10.800
But the truth is life moves in seasons, and your money has to move with it.

00:00:11.039 --> 00:00:14.320
Some seasons are for stacking cash and crushing goals.

00:00:14.560 --> 00:00:17.920
Others, they're about staying afloat and keeping your peace.

00:00:18.160 --> 00:00:22.399
Today, we're diving into the natural ebbs and flows of your financial life.

00:00:22.640 --> 00:00:34.799
We're talking about how to identify the season you're in and how to adjust your mindset and money moves, and why it's okay if things look different now than they did a year ago or will a year from now.

00:00:35.280 --> 00:00:36.240
Let's get into it.

00:00:36.560 --> 00:00:38.240
Sugar teddy podcast, yo.

00:00:38.719 --> 00:00:41.039
Learn how to make them pockets grow.

00:00:47.280 --> 00:00:48.079
Hey babe.

00:00:48.159 --> 00:00:49.600
What are we talking about today?

00:00:49.920 --> 00:00:53.759
Today we are talking about the seasons of our money.

00:00:54.960 --> 00:00:55.600
Yes.

00:00:55.840 --> 00:01:14.560
Um I think sometimes people think from a planning standpoint that it's more of a static thing where you put a financial plan in place and now you have your plan when the way that you really need to think about it is the continuous act of planning.

00:01:14.959 --> 00:01:19.040
Because you're always going through different seasons of life.

00:01:19.519 --> 00:01:23.519
And as you go through the different seasons of life, you're going to need different things.

00:01:23.680 --> 00:01:25.519
You're going to have different goals.

00:01:25.680 --> 00:01:27.760
You're going to have different mindsets that are going on.

00:01:27.920 --> 00:01:31.200
You have different responsibilities that are, you know, taking up your time.

00:01:31.519 --> 00:01:39.120
So you're going to have to be able to be flexible in identifying the different seasons that you're in and what those different needs are are going to be in each season.

00:01:39.599 --> 00:01:39.840
Yeah.

00:01:39.920 --> 00:01:42.000
I think it's an important conversation.

00:01:42.079 --> 00:01:45.840
I we've said it in a couple of other episodes, but planning, it's a verb.

00:01:46.000 --> 00:01:47.439
It's it's an action.

00:01:47.680 --> 00:01:53.359
It's not uh something that you do once, it's something that you're actively doing.

00:01:53.519 --> 00:02:05.680
And I think what's really unique, and we've talked about this as well, is you are a planner that is in the season of life that a lot of your clients are in and or are coming into.

00:02:05.920 --> 00:02:14.319
So thinking about your clients that maybe are a little bit younger and now they've bought the house and now they're adding the kid, now they're adding kid number two.

00:02:14.400 --> 00:02:16.879
It's like, okay, we've done that, so we can help you navigate that.

00:02:16.960 --> 00:02:21.120
And I say I say we, and I'm not actually doing it, but I've done it recently.

00:02:21.280 --> 00:02:22.319
And you've done it recently.

00:02:22.479 --> 00:02:30.080
Whereas, you know, does it make sense to have an advisor who's maybe advising your parents who did it and their kids are now our age?

00:02:30.319 --> 00:02:37.680
Like we are dealing with very different times than our parents, and we have to make money moves in different ways.

00:02:37.840 --> 00:02:53.599
And so I think it's really important to acknowledge that the season you were in when you were single is a very different season than when you're in a partnership and when you get married, which is a very different season than when you add kid number one, kid number two, you know, whatever that might look like.

00:02:53.680 --> 00:02:57.439
Um, and then going into okay, now we're back to being empty nesters.

00:02:57.520 --> 00:02:58.879
Now we're planning for a retirement.

00:02:59.039 --> 00:03:04.800
Those are all seasons that are going to look different, and our money is going to look different.

00:03:05.039 --> 00:03:05.199
Yeah.

00:03:05.280 --> 00:03:13.439
And there are some, you know, um seasons that are familiar for each of us as far as the different ones that you go through in your life.

00:03:13.520 --> 00:03:19.280
And it's not just it necessarily that you go through one and you never go back to that one because you could be jumping around.

00:03:19.439 --> 00:03:25.120
But there are, you know, maybe four common seasons that most people can kind of relate to.

00:03:25.280 --> 00:03:27.520
Um, one of them being the building season.

00:03:27.680 --> 00:03:34.800
You know, this is gonna be those people that are early in their careers, you know, maybe you might be even be starting over or you're recovering from a setback.

00:03:34.879 --> 00:03:42.719
But at this time period in this season, you're gonna be focused on income growth, debt reduction, learning, things of that nature.

00:03:42.800 --> 00:03:44.240
That's gonna be that building season.

00:03:44.479 --> 00:03:48.560
You could, I would even say if you maybe are newly divorced.

00:03:48.719 --> 00:03:49.439
Oh, yeah, right?

00:03:49.599 --> 00:03:53.360
Like now you're starting from a partnership recovering from a setback.

00:03:53.680 --> 00:03:54.319
Yes, exactly.

00:03:54.479 --> 00:04:01.039
So yeah, I mean, I just I wanted to also make sure that people understand like it's not, hey, I'm no longer 24, I'm not in my building season.

00:04:01.199 --> 00:04:04.159
Like, no, there are different building seasons.

00:04:04.639 --> 00:04:08.719
The seasons that we're about to go over are not, you know, sequential in order, and that's just how it goes.

00:04:08.879 --> 00:04:10.879
Like you might be jumping around at different periods.

00:04:10.960 --> 00:04:15.360
So there's just four identifying seasons that you could be in in your life.

00:04:15.599 --> 00:04:24.000
I'm I'm even thinking of when we become empty nesters, which I know feels like a long time away, but also we know how fast time goes, so it's not that far away.

00:04:24.160 --> 00:04:32.800
But that will be a season where we will have to build our relationship over because our life is going to look very different again, right?

00:04:32.879 --> 00:04:40.399
Like our schedule right now is so much to do with the kids and what they need and their activities and all their stuff.

00:04:40.720 --> 00:04:47.759
Once they're empty once we're empty nesters, we're gonna be building our life and what that looks like kind of anew.

00:04:48.160 --> 00:04:53.040
Well, I mean, we'll get into maybe how that I feel a little different about what that that period would look like.

00:04:53.279 --> 00:04:53.600
Okay.

00:04:53.920 --> 00:04:57.439
But um, you also have, you know, the stability season.

00:04:57.600 --> 00:05:07.680
This is once, you know, you got a little bit more years under your belt, you know, your income is maybe a little bit more steady, your goals that you have set are kind of already in motion, you're working towards accomplishing them.

00:05:07.920 --> 00:05:18.720
And in this uh, you know, season, you're focused on building systems and planning for the future as far as you know, more from a um, what's the word I'm looking for?

00:05:18.800 --> 00:05:21.199
From a clear from from a more of a clarity standpoint.

00:05:21.519 --> 00:05:29.680
Because you know, when you're in the early building season, you you're you're just trying to get by sometimes and start to get some momentum going and you don't really exactly know exactly what you want that goal to be.

00:05:29.839 --> 00:05:34.639
Whereas once you've moved into stability season, you have a better idea of the goals you're looking to accomplish.

00:05:34.800 --> 00:05:39.120
So you're looking at putting in more specific plans in place to reach those goals.

00:05:39.360 --> 00:05:39.680
Okay.

00:05:40.160 --> 00:05:42.399
Would you say we are in the stability season?

00:05:42.639 --> 00:05:44.399
I would say, well, some of them overlap.

00:05:44.560 --> 00:05:46.480
I would say we're in the stability season.

00:05:46.560 --> 00:05:48.240
We have some aspects of stability season.

00:05:48.720 --> 00:05:57.199
But then I would also say that, you know, we um have some aspects of the next season, stretch season, where this is, you know, major life transitions.

00:05:57.920 --> 00:05:59.279
I feel stretched all the time.

00:05:59.519 --> 00:06:01.120
So this sounds more accurate.

00:06:01.519 --> 00:06:06.000
Kids, home buying, caregiving, maybe even job changes.

00:06:06.240 --> 00:06:12.639
And with all these things occurring, sometimes, you know, money might feel tight or emotional strain could be high.

00:06:13.279 --> 00:06:35.199
And I would say that we have some aspects of stability season that we're in, but we also are definitely experienced some aspects of the stretch season, especially with kids and the transitions that even though we our kids are, you know, uh six and almost eight, it's different each year as far as what their needs are and what that emotional need is on them and what that emotional strain could be on us to try to give them all these things and help them.

00:06:35.279 --> 00:06:36.560
So I would say we have both of those.

00:06:36.720 --> 00:06:37.759
Okay, I agree with that.

00:06:37.920 --> 00:06:41.759
But then you have um also you have, you know, number four could be the harvest season.

00:06:42.000 --> 00:06:42.800
I'm ready for that.

00:06:43.519 --> 00:06:46.560
And that's I need to reap what we've sowed, damn it.

00:06:46.800 --> 00:06:52.079
Just like it sounds like you're enjoying uh that's the this is the season where you're enjoying the fruits of your labor, you know.

00:06:52.240 --> 00:07:01.040
You've done all the fruits of the sacrifices, you've done all this long-term planning, you've done all this saving, investing, and now it's time to finally enjoy those things.

00:07:01.199 --> 00:07:13.199
Where but the shift here is now like maybe you're prioritizing your time as far as now you have more time, um, determining where you want to spend this time, you know, since you have this freedom, what is the highest value for you to do that?

00:07:13.279 --> 00:07:13.360
Yeah.

00:07:13.519 --> 00:07:27.600
So that's why I was saying that like I feel like when you were talking about the retirement standpoint from building, I still think it might still be you kind of could have some aspects of building from a relationship standpoint, but from a financial standpoint, hopefully you've done the planning correctly and you're in this harvest phase.

00:07:27.759 --> 00:07:27.920
Yeah.

00:07:28.079 --> 00:07:34.720
Well, I could see how you're some some of the seasons overlap or you move from one to another or forwards or backwards.

00:07:34.879 --> 00:07:36.160
So, no, that makes sense.

00:07:36.319 --> 00:07:46.480
I think too, one thing that we're really big on is, and maybe it's not this harvest season, but you know, there's some people who only delay their gratification.

00:07:46.639 --> 00:07:46.879
Yes.

00:07:47.040 --> 00:07:49.600
And it's like, okay, when I'm when I retire, when I retire.

00:07:49.680 --> 00:07:51.920
And it's like, uh, you don't know what that's gonna look like.

00:07:52.079 --> 00:07:56.240
You don't know what your mind is gonna be like, you don't know what your body's gonna be capable of.

00:07:56.399 --> 00:08:07.519
So we are very much, you know, save, invest, plan for the future, but also live life now, you know, like enjoy life, take the vacation.

00:08:07.759 --> 00:08:08.800
These categories aren't rigid.

00:08:08.959 --> 00:08:13.519
So they're you know, us breaking it down to four doesn't mean that there's not six or seven.

00:08:13.680 --> 00:08:29.439
So like you can have some more micro categories, but this is just to give you an idea of some of the ideas and the different, you know, uh characteristics of each season that you could recognize, and that could help you determine is what you need to be focused on in those given seasons.

00:08:29.680 --> 00:08:29.920
Okay.

00:08:30.079 --> 00:08:33.360
So what should people be focused on in the building season?

00:08:33.600 --> 00:08:50.000
Well, once again, this is one of the early-on seasons, and it's more focused on like, you know, learning, earning, so you know, earning as much money as possible, but then also starting to lay that foundation from a um financial uh literacy standpoint to begin with, but then also from a financial habit.

00:08:50.240 --> 00:08:54.879
Start to lay that foundation that's gonna help you later on as you progress through life and through your career.

00:08:55.120 --> 00:08:55.360
Yeah.

00:08:55.519 --> 00:09:02.559
I mean, if we knew then what we know now, we would we would potentially already be in our harvest.

00:09:02.960 --> 00:09:11.039
With that being said, like it's also, you know, like in that building season, don't rush because it is a long game.

00:09:11.200 --> 00:09:16.000
Because obviously there's things that you can do that can help, you know, quote unquote speed things up.

00:09:16.240 --> 00:09:16.480
Sure.

00:09:16.639 --> 00:09:21.840
But ultimately, most of the things that you're gonna do in your life is not going to bring you riches tomorrow.

00:09:22.080 --> 00:09:22.320
Right.

00:09:22.480 --> 00:09:23.759
So it is a long-term game.

00:09:23.840 --> 00:09:26.000
So like you said, building the habits.

00:09:26.080 --> 00:09:26.480
Yes, yeah.

00:09:26.639 --> 00:09:34.080
So this is where you're know, this is where you're focused on, you know, budgeting discipline, as far as making sure that you're not spending more than what you're bringing in.

00:09:34.240 --> 00:09:42.000
This is working on things that we always talk about, building your credit, getting a good credit score so that can help you, you know, get by the things that you are gonna need later on in life.

00:09:42.320 --> 00:09:46.559
With better, more favorable terms, starting your emergency fund.

00:09:46.720 --> 00:09:54.320
A lot of the basic um foundational aspects of financial planning, this is the season where you're gonna try to start putting those in place.

00:09:54.559 --> 00:09:54.799
Yeah.

00:09:54.879 --> 00:10:01.120
If you are early in career, but you have access to a 401k match, getting that 401k match is a good thing.

00:10:01.279 --> 00:10:01.679
100%.

00:10:02.159 --> 00:10:15.919
You you know, if you do that for, let's say what, you're 22, 23 when you graduate college and you do that for seven years and now you hit 30 and you've been contributing, that is going to make a different, that is going to look very different.

00:10:21.840 --> 00:10:24.480
I think most people our age, that's the number one thing that they would go back.

00:10:24.720 --> 00:10:30.720
If they can go back and tell their self, younger self something is save more, invest more because of compound interest.

00:10:30.960 --> 00:10:31.120
Yeah.

00:10:31.279 --> 00:10:41.200
And I think also if we're real with ourselves, you didn't buy anything in your 20s for the most part that you remember or that had great value to you now.

00:10:41.519 --> 00:10:42.159
Like you didn't.

00:10:42.320 --> 00:10:42.559
Yes.

00:10:42.720 --> 00:10:43.279
I didn't.

00:10:43.679 --> 00:10:44.879
You know, now experiences.

00:10:45.919 --> 00:10:50.320
You bought your first home, I wasn't putting my home in that category, obviously.

00:10:50.720 --> 00:10:52.799
I'm trying to give you some some kudos.

00:10:53.039 --> 00:10:55.279
No, I'm talking about the other things.

00:10:55.600 --> 00:10:56.720
You know, I get too.

00:10:57.200 --> 00:10:57.519
Yeah.

00:10:57.679 --> 00:11:03.360
So I think you know, making those choices, differentiating between needs versus wants.

00:11:03.519 --> 00:11:15.360
Yes, those are those foundational building blocks that will make a difference and you will see you will have an earlier harvest in your 30s and 40s than if you don't start.

00:11:15.600 --> 00:11:15.919
Yes.

00:11:16.080 --> 00:11:18.639
You know, so think about that.

00:11:18.879 --> 00:11:19.039
Yes.

00:11:19.440 --> 00:11:21.279
Compound interest, the eighth wonder of the world.

00:11:21.519 --> 00:11:21.759
Yes.

00:11:22.000 --> 00:11:22.240
Yeah.

00:11:22.399 --> 00:11:22.639
Okay.

00:11:22.720 --> 00:11:25.360
What do we need to know in our stretch season?

00:11:25.840 --> 00:11:27.120
You skip the stability season.

00:11:27.360 --> 00:11:28.080
Oh, I'm so sorry.

00:11:28.240 --> 00:11:28.480
Okay.

00:11:28.639 --> 00:11:30.159
So building to stability.

00:11:30.320 --> 00:11:32.559
So we are you we are getting to a stability.

00:11:32.879 --> 00:11:33.039
Yeah.

00:11:33.200 --> 00:11:40.080
So at this phase, now you're really focused on consistency and automation, automating anything that you can.

00:11:40.399 --> 00:11:46.080
So since remember, in this one, you have a little bit more steady income, automate that makes automation a lot easier.

00:11:46.240 --> 00:11:50.559
So automating your investing, automating your savings, automating, you know, obviously.

00:11:50.960 --> 00:11:51.519
Your bill pay.

00:11:51.679 --> 00:11:52.320
Of course, you know.

00:11:52.799 --> 00:11:58.080
But then you're also starting to add in some other aspects of your finances that maybe you weren't thinking about during the building phase.

00:11:58.480 --> 00:12:12.639
And that could be, you know, life insurance, disability insurance, you know, those insurance reviews, some of the things that you may not be thinking about earlier on, but now you're getting a little bit older, and you're also, you know, you're might be, you know, in a few years going into that stretch season.

00:12:12.720 --> 00:12:15.759
So these are the things you want to put in place during the stability season.

00:12:15.919 --> 00:12:21.519
Now, um, you also want to focus on, you know, for example, um locking in those good habits.

00:12:21.919 --> 00:12:39.679
Because as I was just stating, you know, once you're able to lock in the good habits and at the stability stage, if you're able to reduce mental overload by not having to make all these decisions actively every um every month because you already have the automation set up, that's gonna help you as you move into the stretch season.

00:12:40.639 --> 00:12:45.039
Now, ideally, we would like to have all these things in place, but let's be honest, most of us don't.

00:12:45.200 --> 00:12:52.480
So, for example, you know, I have plenty of clients where, you know, we are in the stretch season with them because they just have their first kid.

00:12:52.639 --> 00:12:59.279
And unfortunately, you know, we didn't quite get everything in place that we want to get in place when it comes to the stability and building aspect.

00:12:59.440 --> 00:13:05.679
Whereas now you're in the stretch season and we're also having to add certain aspects of those other seasons to get them kind of caught up.

00:13:05.840 --> 00:13:07.759
And that's the reality of for a lot of people.

00:13:07.919 --> 00:13:18.159
But if you can ideally recognize what season you're in, why you're going through it, and focus on the needs of that season and taking care of that as you move to the next one, it's just gonna make it that much easier.

00:13:18.399 --> 00:13:24.000
Well, and you have, I would say most of your clients are our age, right?

00:13:24.080 --> 00:13:26.799
Like that 35 to 44, give or take, obviously.

00:13:27.039 --> 00:13:31.600
And I'm also saying, like, we didn't have everything in place that we would have liked to have going through each one of these seasons.

00:13:31.759 --> 00:13:31.840
Right.

00:13:32.000 --> 00:13:32.639
Just being real.

00:13:32.720 --> 00:13:35.919
Like this isn't me looking at everybody else and saying, they didn't do this.

00:13:36.080 --> 00:13:38.639
We didn't do certain things that I wish I could go back in time and have done.

00:13:38.960 --> 00:13:47.120
But I was gonna say, you have started bringing on younger clients who maybe are coming to you in this the building season, even.

00:13:47.360 --> 00:13:50.399
Because you've you've had some people where you're like, whoa, they're really young.

00:13:50.480 --> 00:13:54.000
I wonder, you know, what I what they want me to help them with, which is great.

00:13:54.080 --> 00:13:59.039
And now you've And it's not even a matter of like, I'm sometimes okay, so like I know what I can help them with.

00:13:59.279 --> 00:13:59.600
Of course.

00:13:59.840 --> 00:14:06.879
I always just kid like because most of the times, you know, I would say most people are coming to me, you know, mid 30s.

00:14:07.120 --> 00:14:07.440
Sure.

00:14:07.600 --> 00:14:10.559
But like so, when you get a 26-year-old, you're like, whoa.

00:14:10.879 --> 00:14:14.559
Like someone in their mid to late 20s, I'm like, they're really ahead of the curb.

00:14:14.720 --> 00:14:31.279
May I'm sometimes I wonder, is there something so dramatic that I, you know, it's kind of like I mean, but I think you know, something crazy, but whereas there's social media, there's Reddit threads, like people are hearing more and more again, value of like, hey, if I work with somebody early, I can get these things in place.

00:14:31.600 --> 00:14:38.240
And I love it when people that age come to me and they're they're, you know, they're doing, you know, they're starting to do some of the right things.

00:14:38.320 --> 00:14:40.879
They're really thinking about the things they need to do.

00:14:41.039 --> 00:14:42.720
And they're doing it at such a young age.

00:14:42.799 --> 00:14:52.240
And I first thing I always hit them as one kudos to even reaching out to have that conversation because I know that can be an intimidating conversation, intimidating conversation for anyone, regardless of what age they are, let alone someone that young.

00:14:52.480 --> 00:14:56.480
So reach out to have the conversation with me and then also be willing to take those actions.

00:14:56.559 --> 00:14:59.919
Like that's amazing because I didn't have that at you know, 26 years old.

00:15:00.159 --> 00:15:07.840
Well, but what triggered that thought for me was when you said, you know, maybe in the stability season you didn't get everything done that you wanted to.

00:15:08.000 --> 00:15:10.240
Well, like that's dependent on how people come to you.

00:15:10.399 --> 00:15:10.639
Correct.

00:15:10.799 --> 00:15:10.879
Right.

00:15:11.120 --> 00:15:11.279
Correct.

00:15:11.519 --> 00:15:27.519
So maybe um, you know, you're you're wanting to focus on the stretch season, but you have to focus on the stability portion because maybe they have only been with you for a few months, or, you know, like so obviously the earlier you can start that process, the better.

00:15:27.600 --> 00:15:31.759
Cause then you can help hold people's hands through those transitions.

00:15:32.080 --> 00:15:40.000
Because you have clients where they came to you mid-20s, you know, now they've bought a home, now they got married, now they're having kids.

00:15:40.159 --> 00:15:48.720
Like you're really holding their hand through all of those transitions, which is the support that ultimately you're trying to give to people, which is amazing.

00:15:48.799 --> 00:15:49.120
Yeah.

00:15:49.360 --> 00:15:51.840
So, um, okay, so stretch season.

00:15:52.000 --> 00:15:52.240
Yeah.

00:15:52.320 --> 00:15:53.679
So the stretch season.

00:15:53.840 --> 00:15:54.159
Sorry.

00:15:54.320 --> 00:15:58.399
Uh, this could sometimes be seen as like one of the harder seasons.

00:15:58.639 --> 00:16:00.240
I feel like this is a hard season.

00:16:00.480 --> 00:16:03.039
I was oh my gosh, work, kids, household.

00:16:03.200 --> 00:16:04.080
I mean, oh my gosh.

00:16:04.320 --> 00:16:07.039
Because honestly, what you're only focused on is surviving.

00:16:07.279 --> 00:16:08.879
Yeah, we are not thriving, guys.

00:16:09.039 --> 00:16:10.799
Just to be very clear, we are surviving.

00:16:10.960 --> 00:16:14.960
And then also anything that you can like simplify, you go ahead and do that.

00:16:15.120 --> 00:16:22.480
So I often sometimes with, you know, because we're in the stretch season and I have clients that are thin in the same season.

00:16:22.639 --> 00:16:28.000
And sometimes I will literally say to them, I'm like, do you want optimized or do you want simplified?

00:16:28.960 --> 00:16:35.120
Because sometimes the optimization, you know, takes a few more steps to get the most optimal outcome.

00:16:35.440 --> 00:16:36.879
Oh, what do people choose?

00:16:37.200 --> 00:16:43.279
A lot of people sometimes choose the simple one where like it still has your brain, our brains are just so overloaded.

00:16:43.519 --> 00:16:45.919
It still has a good outcome.

00:16:46.159 --> 00:16:46.720
Positive impact.

00:16:47.200 --> 00:16:49.120
Positive that is suitable for the scenario.

00:16:49.519 --> 00:16:53.519
It might not just be quote unquote the one that, for example, maybe yields the most money.

00:16:53.679 --> 00:16:53.759
Right.

00:16:54.000 --> 00:17:02.000
Well, it's like right now they're like, we know we can't, we understand what you're saying, but we can't process adding more things on our plate to get to this other goal.

00:17:02.159 --> 00:17:05.279
Whereas we can get to this goal over here and it's acceptable to us.

00:17:05.839 --> 00:17:11.440
We understand that it's not going to bring the most money, but it's significantly less depths.

00:17:11.680 --> 00:17:11.920
Yeah.

00:17:12.079 --> 00:17:12.319
Yeah.

00:17:12.400 --> 00:17:17.680
Sometimes you just got to choose the one that like makes the most sense for where your head is right now.

00:17:17.839 --> 00:17:19.279
Yeah, capacity playing out.

00:17:19.519 --> 00:17:23.119
What it is is really you're having your you're becoming clearer on your priorities.

00:17:23.359 --> 00:17:30.960
And often in this one, especially with the stress season, we kind of really associate it with like having children, is that your children are one of your highest priorities.

00:17:31.039 --> 00:17:36.079
So you really are kind of focused on maximizing time with them because that's limited.

00:17:36.799 --> 00:17:45.279
And with doing that, you know, you got to reduce the guilt that you may have because you're not quote unquote optimizing or taking care of some of the other things at this moment.

00:17:45.440 --> 00:17:58.240
Because sometimes it is going to be a give and take where, you know, the same 24 hours that you had as a married couple without kids is going to be the same 24 hours you have now adding, you know, for us two little humans that we have to uh take care of as well.

00:17:58.400 --> 00:17:58.480
Yeah.

00:17:58.640 --> 00:18:01.359
So you can't necessarily always do all the things that you want to do.

00:18:01.519 --> 00:18:06.240
And sometimes you just have to realize that and let go of that guilt and just do the best that you can in this phase.

00:18:06.559 --> 00:18:10.240
Move move forward, even if it's like inch by inch instead of mile by mile.

00:18:10.480 --> 00:18:14.720
And like the main over, you know, arching one for this one is just get rid of the shame.

00:18:15.279 --> 00:18:20.720
Because I have so many, like I said, I have a lot of my clients, I said like kind of mirror where I am from an age standpoint.

00:18:20.880 --> 00:18:22.240
And so we're in this together.

00:18:22.400 --> 00:18:25.200
And the one thing I always say to them is they're like, I should be doing this, I should be doing that.

00:18:25.359 --> 00:18:32.480
But I was like, hey, but you are doing this, you're doing this, you're doing that, but you also have all these other responsibilities in this season that you have to worry about.

00:18:32.559 --> 00:18:32.720
Yeah.

00:18:32.960 --> 00:18:37.680
And you can't compare yourself to maybe someone else who doesn't have kids.

00:18:38.079 --> 00:18:49.839
You know, that's you can't do or got a massive inheritance or is a trust fund baby or sold their house for, you know, 50% more than it was worth because they they sold it during the boom.

00:18:50.160 --> 00:18:57.279
And the thing is here, during the stretch season, hopefully you've been doing the things, you know, correctly within the building season and also stability season.

00:18:57.519 --> 00:19:00.960
So now you have a good uh basis to lean back on.

00:19:01.119 --> 00:19:09.200
So, for example, like we've talked about this before, where people do a great job of building up that emergency fund, and then a proper emergency happens that they should use the emergency fund.

00:19:09.359 --> 00:19:10.240
They don't want to use the emergency fund.

00:19:10.480 --> 00:19:14.720
They don't want to use the emergency fund because of the guilt behind, oh, I should have been prepared for this.

00:19:15.519 --> 00:19:16.559
Like you literally are prepared.

00:19:17.279 --> 00:19:18.160
That's what this is for.

00:19:18.400 --> 00:19:18.960
Yeah, yeah.

00:19:19.119 --> 00:19:20.559
This is this is an emergency.

00:19:20.720 --> 00:19:21.920
Use your emergency funds.

00:19:22.240 --> 00:19:25.440
I know people have such a blocker against that, you know.

00:19:26.000 --> 00:19:31.599
The thing is for me, is I always play the people like obviously, you know, the idea is that we don't want to have emergencies happen.

00:19:31.680 --> 00:19:33.599
Like nobody wants it to happen.

00:19:33.839 --> 00:19:41.200
But if you have the habits to build up that emergency fund, an emergency happens and you use it, you still have those same habits to build it back up again.

00:19:41.440 --> 00:19:42.160
Yeah, yeah.

00:19:42.400 --> 00:19:43.200
So okay.

00:19:43.359 --> 00:19:48.960
Let's talk about um the season we're all like fantasizing about because we're so tired.

00:19:49.440 --> 00:19:50.160
The harvest season.

00:19:50.400 --> 00:19:51.119
The harvest.

00:19:51.599 --> 00:19:55.359
This is like I said, this is basically just enjoying the fruits of your labor.

00:19:55.599 --> 00:20:04.079
This is, you know, you've gotten through all the other phases, and now you just get to find Finally, you know, live the life that you want based upon what you find value in.

00:20:04.160 --> 00:20:11.519
You know, you're not necessarily sacrificing certain things where now you can really just focus on, hopefully, you know, in this scenario, you can really just focus on yourself.

00:20:11.759 --> 00:20:15.680
You and your partner can determine what it is that you know you do actually want to spend your free time doing.

00:20:15.839 --> 00:20:16.079
Yeah.

00:20:16.240 --> 00:20:22.000
Slow down, give yourself permission to enjoy what you've been building all these years.

00:20:22.319 --> 00:20:31.200
Now, with the caveat, you do have certain needs that come into this phase because, like I said, most of the time this phase is more associated with like becoming work optional slash retiring.

00:20:31.519 --> 00:20:39.039
So you do have to do some proper income planning because all the other years before that, all the other phases, you're in the accumulation phase.

00:20:39.119 --> 00:20:41.680
You're making money, putting it to work for yourself.

00:20:41.839 --> 00:20:43.599
Now you're in the deaccumulation phase.

00:20:43.759 --> 00:20:50.640
All that money that you've built up over time, now you're using it to live off because hopefully in this, you know, this phase you're not necessarily working.

00:20:50.720 --> 00:20:54.640
So you do have to be careful in regards to having proper planning when that comes into place.

00:20:54.799 --> 00:21:00.720
But then that's also talking about like, hey, you know, what do I want to do with my money outside of just living off of it?

00:21:00.799 --> 00:21:10.079
You know, if you're someone that's been really heavy into giving to charities, um, you might want to go ahead and, you know, obviously do some charitable giving and have that properly set up so that's maximized.

00:21:10.240 --> 00:21:15.200
Um, also, if you obviously if you have kids, grandkids, you know, what kind of legacy do you want to leave behind there?

00:21:15.279 --> 00:21:31.839
You know, I know one of the things that my mom is really big on is that my mom has done really well for herself financially, and she wants to leave a legacy where like she has done a lot of the legwork that helps everybody else um generation-wise after her when it comes to building upon the work that in the work and the finances that she's provided.

00:21:32.240 --> 00:21:36.000
But I do think she's also missing the component of living in the now.

00:21:36.240 --> 00:21:36.480
Yes.

00:21:36.559 --> 00:21:36.720
Yes.

00:21:36.799 --> 00:21:40.319
I would say all she's focused on is like when I'm gone, when I'm gone.

00:21:40.559 --> 00:21:46.559
And there's a lot of parts where she's not living in the present and she's not, I don't think she's living to the fullest.

00:21:46.640 --> 00:22:03.440
But it's that's part of the best part of the mindset of being in the harvest season is that some of the habits that you've built put in place that have helped you get there, you do have to switch them because a lot of times you have people the hardest part thing is people that are excellent savers become very hard to turn into spenders.

00:22:03.599 --> 00:22:03.839
Yes.

00:22:03.920 --> 00:22:06.319
No, she's she will never unless she goes to therapy.

00:22:06.400 --> 00:22:07.440
So a lot of things are not going to be.

00:22:16.880 --> 00:22:23.440
I think our generation is going to be better because I think we're already changing our mindset of I'm not working until 65.

00:22:23.680 --> 00:22:25.279
But we're also we're we're also thinking about it.

00:22:25.359 --> 00:22:31.200
I think our parent generation, and definitely once before that, never actually sat down and thought about what do I want my retirement to look for.

00:22:31.519 --> 00:22:32.880
Never like what am I going to do?

00:22:33.039 --> 00:22:37.279
Like a lot of times that conversation wasn't had, but it wasn't, it wasn't, it wasn't going to happen anywhere.

00:22:37.920 --> 00:22:40.400
Which is why so many of them actually go back to work, right?

00:22:40.480 --> 00:22:46.240
You see the retirees working in the garden department at the Lowe's in the Home Depot because they're like, oh, I needed to get out of the house.

00:22:46.319 --> 00:22:47.200
I needed a hobby.

00:22:47.440 --> 00:22:49.359
I mean, I'm gonna use an extreme example.

00:22:49.519 --> 00:22:54.000
Like, I don't know Warren Buffett, but Warren Buffett just finally retired.

00:22:54.240 --> 00:22:54.640
Yeah.

00:22:54.960 --> 00:22:56.319
He's finally stepping away.

00:22:56.480 --> 00:22:59.839
Like he's in his 90s, like yeah.

00:23:00.079 --> 00:23:11.519
I mean, obviously, you can find some joy and stuff in like, you know, working and some aspects people say it keeps him young, but like to be working the willing to work to be working the beach in my 90s from my yachts from my mega yachts.

00:23:11.759 --> 00:23:16.319
The way that from the way that he was working, the constant day-to-day, probably, I don't want that enough.

00:23:16.559 --> 00:23:16.960
No, no, no.

00:23:17.200 --> 00:23:18.000
Not if I had his money.

00:23:18.240 --> 00:23:18.880
But that's what I'm saying.

00:23:18.960 --> 00:23:24.640
Like, I think we are very much thinking about like, ooh, when we retire, like what is that, what is that Tuesday at nine gonna look like?

00:23:24.720 --> 00:23:25.759
What do we want to be doing?

00:23:25.920 --> 00:23:30.559
Whereas our parents, and like you said, the generation before them, absolutely were not doing it.

00:23:30.640 --> 00:23:33.119
And now they're like, oh, I'm retired, what do I do?

00:23:33.359 --> 00:23:37.839
Oh, 100%, you know, and then they're bored and they end up playing pickleball for six hours a day.

00:23:38.079 --> 00:23:40.480
Like leave my mom alone.

00:23:40.720 --> 00:23:42.960
Listen, uh, that's that's not what I want to be doing.

00:23:43.119 --> 00:23:58.319
So I think there's also we need to be finding the balance of stacking, building the habits, automating all those things, but also living and then enjoying the fruits.

00:23:58.559 --> 00:23:58.960
Yes.

00:23:59.200 --> 00:24:08.799
You know, because there's no point to me, my values do not align with just hoarding cash until I die so that somebody else can have it.

00:24:09.119 --> 00:24:14.160
Well, the biggest thing here is like giving your permission, yourself permission to actually enjoy what you've built.

00:24:14.319 --> 00:24:14.480
Yes.

00:24:14.640 --> 00:24:18.640
And I think that's like you said, that's the hard the part that my mom's having a hard time switching her mindset to.

00:24:18.799 --> 00:24:19.759
It's enjoying what she's built.

00:24:20.079 --> 00:24:20.240
Yeah.

00:24:20.319 --> 00:24:22.799
I mean, we've had a financial therapist on.

00:24:22.880 --> 00:24:29.279
We and I think there are people absolutely like your mom who could benefit from unpacking.

00:24:29.519 --> 00:24:31.519
Uh and we know other people's parents too.

00:24:31.920 --> 00:24:33.440
This is a common theme amongst that generation.

00:24:33.759 --> 00:24:33.920
Yes.

00:24:34.000 --> 00:24:37.440
This is this is very common of people who have done well for themselves.

00:24:37.759 --> 00:24:44.480
Who who either can't stop working because they don't know how, or they don't know how to just be.

00:24:44.720 --> 00:24:48.160
Like they don't even know what what would not working look like.

00:24:48.400 --> 00:24:50.640
They have no concept, they haven't thought about it.

00:24:51.039 --> 00:24:52.319
That's all I think about.

00:24:52.559 --> 00:24:54.160
Listen, let me be very clear.

00:24:54.319 --> 00:24:56.240
All I think about is not working.

00:24:56.400 --> 00:25:00.319
And I've said it, I've got 10 more 10 more years left in me.

00:25:00.559 --> 00:25:00.880
Yeah.

00:25:01.200 --> 00:25:05.119
And then I'm what, hanging up the key, closing, whatever the analogy is.

00:25:05.200 --> 00:25:05.599
I don't know.

00:25:05.680 --> 00:25:08.799
But you got you got me for a decade and then I'm out.

00:25:09.440 --> 00:25:09.599
Yeah.

00:25:09.680 --> 00:25:22.960
And the thing is too, is like as you, you know, you're moving through these different seasons, one thing we always say is like you have to and you have to take away some of the shame involved in some of the decisions that you have to make.

00:25:23.519 --> 00:25:32.559
So, like, you know, one example I could think of is that when you're moving from the stability to the stretch season, uh in this scenario, I'm gonna use, you know, you you're having your first kid.

00:25:33.279 --> 00:25:36.319
That's gonna make a put a big change to your finances.

00:25:36.880 --> 00:25:38.720
Yeah, kids are freaking expensive.

00:25:38.960 --> 00:25:40.799
Yes, it's gonna make a lot of changes.

00:25:40.880 --> 00:25:58.240
So, like, for example, like someone who maybe had consistently been maxing out their uh 401k plan leading up to that, and now they have a child, I'm like, hey, maybe we don't want to go ahead and do that this year because we need some time to adjust to the new expenses that are gonna come with a kid.

00:25:58.799 --> 00:26:14.240
And so, you know, pulling back on maybe some how much you're actually contributing to these um investment accounts and building them more up an emergency fund or building more up just in a separate fund that's dedicated to all the various expenses you're gonna have over the course movie of your life moving forward with the kid.

00:26:14.319 --> 00:26:14.559
Yeah.

00:26:14.720 --> 00:26:19.119
And some people are like, oh my gosh, like their whole identity was like maxing out the 401k frame.

00:26:19.279 --> 00:26:28.079
And now they're not doing that and they feel like they're completely listening if that's your identity, power to you, but they I've had these conversations where people feel like they're not doing what they're not doing the right thing.

00:26:28.160 --> 00:26:32.720
And I'm like, you have to focus on the different season that you're in, the different needs.

00:26:32.799 --> 00:26:33.039
Yeah.

00:26:33.200 --> 00:26:35.039
Where like you've done a lot of the groundwork.

00:26:35.200 --> 00:26:44.559
So you pulling back on your 401k plan now, you're still significantly leaps and bounds upon uh ahead of most people your own age because you were doing the right things leading up to this.

00:26:44.640 --> 00:26:44.799
Yeah.

00:26:44.960 --> 00:26:46.960
And now this is just a shift for this season.

00:26:47.359 --> 00:26:53.759
And then we're like I said, once again, a lot of the changes that a lot of the changes that happen each each season aren't permanent per se.

00:26:53.839 --> 00:26:54.000
Yeah.

00:26:54.160 --> 00:27:04.319
But just for this season, and as you transition to a different uh season or just a different area within that season, as far as from a comfort level, then we can make other changes.

00:27:04.559 --> 00:27:04.880
Yeah.

00:27:05.039 --> 00:27:08.640
Well, and I will say, you were right, so it's on record.

00:27:08.799 --> 00:27:09.359
Here you go.

00:27:09.599 --> 00:27:16.319
Brandon was right because you know, we were I was so excited about getting out of the daycare season.

00:27:16.480 --> 00:27:19.759
And I'll tell you, that money just gets absorbed in all the other places.

00:27:19.920 --> 00:27:24.400
We've got basketball, we've got soccer, we've got sewing, we've got swim lessons.

00:27:26.319 --> 00:27:30.640
I like people like with the daycare, it's such one single large expense.

00:27:30.880 --> 00:27:31.599
It's so big.

00:27:31.839 --> 00:27:36.319
But then what ends up happening once you get out, it just gets dispersed into multiple other smaller expenses.

00:27:36.720 --> 00:27:37.279
It's so true.

00:27:37.519 --> 00:27:44.079
And I mean, not saying that we're spending$1,500 on the kids' expenses, but it's all the other things, you know, that just it adds up.

00:27:44.319 --> 00:27:49.599
And the thing is too, is that like you also gotta think kids only get more expensive as they get older.

00:27:50.000 --> 00:27:56.160
Kids do not get less expensive, which is crazy because like in my head, I'm like, ooh, daycare and all the gear and all the things.

00:27:56.240 --> 00:28:04.880
And it's like no, if your kid sits at home, if they go to public school and they sit at home and do nothing, and you like yeah, and you don't take vacations, maybe your kids are less expensive.

00:28:04.960 --> 00:28:09.039
But then I also would venture to say that you're not living a life that I want to live anyways.

00:28:09.759 --> 00:28:12.960
But for most people, kids get more expensive as they get older.

00:28:13.200 --> 00:28:13.440
Yes.

00:28:13.599 --> 00:28:17.279
So yeah, they they have been and I love seeing them in their activities.

00:28:17.359 --> 00:28:21.680
So obviously, no regrets, but whoo, these kids are expensive.

00:28:21.920 --> 00:28:22.880
So yeah.

00:28:23.119 --> 00:28:33.279
So with everything that we've gone over, the biggest thing is that you do want to take steps on how to navigate through, you know, the current season you're in with confidence.

00:28:34.079 --> 00:28:39.119
So, you know, step one, being able to identify which season you're in right now.

00:28:39.440 --> 00:28:50.000
Yeah, that's gonna be the first and most important step because if you don't you can't pause and and recognize what season you're in, you're gonna have a hard time recognizing what your actual needs are and what you should be focusing on right now.

00:28:50.319 --> 00:28:50.559
Right.

00:28:50.720 --> 00:28:50.960
Right.

00:28:51.359 --> 00:28:55.519
I yeah, I think identifying, just like in so many of our episodes, right?

00:28:55.599 --> 00:29:02.640
Like know who you are as a person is kind of you know the theme, but also like know what season you're in and know that it's a season.

00:29:02.720 --> 00:29:07.359
I mean, if your your kid is waking up every hour in the middle of the night, like it's a season.

00:29:07.519 --> 00:29:11.839
If your kid is teething, it's a season, you know, like all of those things.

00:29:12.160 --> 00:29:14.799
And with that example, that's you know, step number two.

00:29:15.200 --> 00:29:18.559
Be honest about what you need in the current season you're in.

00:29:19.119 --> 00:29:22.480
Not what you think is smart, but what you actually need.

00:29:22.960 --> 00:29:31.200
So for example, you know, in the stretch season where time is limited because you're being stretched all different ways.

00:29:31.440 --> 00:29:39.920
Hey, maybe, you know, putting aside funds to go ahead and have those uh groceries delivered instead of having, instead of you going and picking them up yourself.

00:29:40.079 --> 00:29:40.319
Yeah.

00:29:40.559 --> 00:29:41.359
Is it what you need?

00:29:41.519 --> 00:29:43.839
From a financial standpoint, is it smart?

00:29:43.920 --> 00:29:45.359
I, you know, you can debate that.

00:29:45.519 --> 00:29:45.680
Right.

00:29:45.920 --> 00:29:50.079
You know, as far as it's extra money that some people may say it's wasted because you could do it yourself.

00:29:50.240 --> 00:29:55.599
Whereas maybe what you need is someone else to do the shopping for you to free up some time for you to do something else.

00:29:55.759 --> 00:29:56.880
Yeah, absolutely.

00:29:57.200 --> 00:30:01.119
Again, I mean, we we talk about value versus price.

00:30:01.359 --> 00:30:02.720
Where can you find the value?

00:30:02.799 --> 00:30:04.480
Where can you free up time?

00:30:04.799 --> 00:30:09.440
I mean, I know I found a lot of value in um doing like a meal delivery.

00:30:09.519 --> 00:30:12.799
You know, I found that local, the local cafe.

00:30:12.960 --> 00:30:14.079
They're doing catering.

00:30:14.160 --> 00:30:24.559
I actually need to get back onto their list because I realize like it's it's just a benefit to my life, you know, to be able to pull something out of the fridge that's fresh and prepared for me.

00:30:24.640 --> 00:30:28.240
I don't want a hello fresh box because then I still need to like cook things.

00:30:28.400 --> 00:30:33.200
No, I want ready-to-eat meals in the middle of my day that will make my life easier.

00:30:33.359 --> 00:30:35.039
Like, is that the season that you're in?

00:30:35.200 --> 00:30:35.519
You know?

00:30:35.759 --> 00:30:36.079
Yeah.

00:30:36.319 --> 00:30:41.039
So and you know, with that, you know, step three is realign your plan.

00:30:41.680 --> 00:30:48.240
So, based upon the season you're in, based upon the needs that you actually have, you need to rework your budget for certain things.

00:30:48.319 --> 00:30:55.200
So, for example, like, you know, with Jess, I'm using example, she gets so busy, which is, you know, she's such a hard worker, which is a great thing.

00:30:55.279 --> 00:30:59.279
But then she gets so busy that she neglects herself in some aspects of like eating.

00:30:59.440 --> 00:31:03.039
So it's like instead of, you know, having to worry about, oh, I have to go into the kitchen now.

00:31:03.119 --> 00:31:19.839
I'm tired, I have to go in the kitchen and actually make something, you know, reworking the budget so that we have um money set aside to pay for, you know, pre-package, uh, pre-cooked, pre-packaged meals to be sent to the house is going to be beneficial to her because then she's actually going to eat like she should be doing throughout the course of the day.

00:31:20.079 --> 00:31:21.200
He's like, why are you so hangry?

00:31:21.279 --> 00:31:21.839
What have you eaten?

00:31:22.079 --> 00:31:22.480
Yes.

00:31:22.640 --> 00:31:23.119
Yeah.

00:31:23.359 --> 00:31:25.279
No, I again, where can you find value?

00:31:25.440 --> 00:31:36.480
Maybe it's maybe you like cleaning the house, but now you have a newborn, and maybe hiring somebody to help you, you know, on a bi-weekly basis will be beneficial.

00:31:36.640 --> 00:31:45.599
I that's that's something that even when I was going through my layoff, we looked at, okay, what could we when we get to that point, what are we cutting?

00:31:45.680 --> 00:31:45.839
Right.

00:31:45.920 --> 00:31:50.400
And it was like streaming and Spotify and Netflix, and we barely watch TV anyway.

00:31:50.480 --> 00:31:57.279
Like we had our whole list and I knew I was like, we still need our housekeeper because I don't want to clean this house.

00:31:57.359 --> 00:32:01.759
And also I can't think or process or be productive in a house that is not clean.

00:32:02.000 --> 00:32:04.799
And once again, that's moving into uh step four.

00:32:05.279 --> 00:32:06.640
Communicate with your partner.

00:32:06.799 --> 00:32:07.039
Yeah.

00:32:07.279 --> 00:32:15.839
As far as what are your specific financial needs right now, and having a conversation about it, putting a plan in place so that it works within your budget.

00:32:16.000 --> 00:32:24.079
You know, because the biggest thing here is that, like, you know, when you're going through each season, you might have been taking from one area to put to another area.

00:32:24.319 --> 00:32:26.960
And the idea behind that that there is flexibility in that.

00:32:27.200 --> 00:32:32.000
And some people may look at that as like a failure, but the idea is that flexibility is not actually failure.

00:32:32.079 --> 00:32:33.440
Yeah, it's financial maturity.

00:32:33.519 --> 00:32:42.799
You know, for example, even going back to the the stretch season where you might not be investing as much because now you have more financial expenses with the baby.

00:32:43.440 --> 00:32:52.079
So it's like I said, it's not financial failure, it's financial maturity and recognizing what your needs are currently as far as what you're going through and making those adjustments.

00:32:52.319 --> 00:32:52.480
Yeah.

00:32:52.640 --> 00:33:05.920
Well, and I know we talk about kids a lot because we have kids, but that maybe for those of you who are listening who don't have children, don't have children yet, have chosen not to have children, maybe that's caring for an elderly parent.

00:33:06.079 --> 00:33:08.480
Maybe it's caring for a grandparent.

00:33:08.559 --> 00:33:16.160
Maybe it's caring for a child in your family that is technically not yours, but you are taking on caregiving responsibilities.

00:33:16.319 --> 00:33:23.279
Like there are so many different ways where, you know, we are showing up to support our families, our friends, our communities.

00:33:23.599 --> 00:33:27.680
Stretch season can also be buying a home as far as like you're investing all this money in your 401k.

00:33:28.160 --> 00:33:28.319
Absolutely.

00:33:28.480 --> 00:33:31.440
Now you're shifting money from investing there to make down payment for a home.

00:33:31.599 --> 00:33:31.759
Yeah.

00:33:31.839 --> 00:33:37.039
May I mean you might feel like, oh, I still should be investing more, but like maybe it doesn't make sense right now.

00:33:37.200 --> 00:33:37.359
Yes.

00:33:37.519 --> 00:33:38.000
Yeah, right.

00:33:38.079 --> 00:33:39.599
And I think the key word is right now.

00:33:39.839 --> 00:33:40.160
Correct.

00:33:40.319 --> 00:33:40.480
Right?

00:33:40.640 --> 00:33:41.119
A season.

00:33:41.359 --> 00:33:42.079
Seasons change.

00:33:42.240 --> 00:33:42.559
Yes.

00:33:42.799 --> 00:33:45.119
They they flow, they ebb and flow, right?

00:33:45.279 --> 00:33:47.680
And so think about the financial.

00:33:48.000 --> 00:33:52.720
I mean, like it's you're also, like I said, it's figuring out what is financially right for now, not forever.

00:33:53.039 --> 00:34:04.480
And if you need help figuring out what season you're in, if you're in the building season and you're like, wow, I really want to do this right and I want somebody to hold my hand, or regardless of what season you're in, this is what Brandon does.

00:34:04.640 --> 00:34:12.239
He helps people navigate all these different seasons of life to make the most of what you have in that season.

00:34:12.400 --> 00:34:18.880
And if that's, hey, I'm coming to you in my building season when I'm, you know, mid-20s, like that's amazing.

00:34:18.960 --> 00:34:28.719
You're absolutely ahead of the game, which is great because then the other seasons ideally will be easier because you've made that really good foundation.

00:34:28.960 --> 00:34:40.159
But if you are trying to navigate, you know, starting a new career, becoming an entrepreneur, building a family, building a house, like all of those things require various types of expertise.

00:34:40.320 --> 00:34:43.920
And if you need help, these are the things that Brandon does all the time.

00:34:44.079 --> 00:34:48.719
Of course, he looks at people's portfolios and their 401ks and helps you align all of your goals.

00:34:48.880 --> 00:34:52.400
But really, what he's doing is he's helping your money match your season.

00:34:52.559 --> 00:34:52.880
Yeah.

00:34:53.119 --> 00:34:55.360
You know, and I think that that is really important.

00:34:55.519 --> 00:34:57.599
I mean, we talk, we don't talk specifics.

00:34:57.679 --> 00:35:11.119
I I always want to make sure that people know like Brandon does not talk to me about specifics of anybody, but I do know because we talk about high-level, like, oh, this person is moving, you know, from this season to this season.

00:35:11.199 --> 00:35:12.800
And here are the things that we're thinking about.

00:35:12.960 --> 00:35:14.559
Here are the things that we're considering.

00:35:14.800 --> 00:35:18.960
Um, hey, I thought that I was gonna be able to use my car to give to my teenager.

00:35:19.039 --> 00:35:21.840
Now I got in a car accident and I have to buy a new car.

00:35:22.000 --> 00:35:24.159
Okay, so now what does that look like for our teenager?

00:35:24.239 --> 00:35:25.360
Now I have to buy a new car.

00:35:25.519 --> 00:35:27.519
Now we're thinking about the car for the teenager.

00:35:27.599 --> 00:35:28.719
Now it's two cars, right?

00:35:28.800 --> 00:35:31.920
Like, those are the things that he's helping people navigate.

00:35:32.000 --> 00:35:34.320
It's the real world, real life stuff.

00:35:34.480 --> 00:35:36.079
Hey, my kids' teeth are jacked.

00:35:36.159 --> 00:35:37.840
We need to go to an orthodontist.

00:35:38.000 --> 00:35:39.280
How do we fit that into our budget?

00:35:39.519 --> 00:35:43.039
Like that's a conversation we're gonna have probably in the next years.

00:35:43.519 --> 00:35:49.360
You know, like those are the real world things where you're trying to match your money to your seasons.

00:35:49.519 --> 00:35:56.400
And sometimes having somebody to hold your hand through those seasons and beyond makes all the difference.

00:35:56.559 --> 00:36:00.000
So, you know, reach out to Brandon, regardless of what season you're in.

00:36:00.079 --> 00:36:05.440
But think about the season that you're in, that you're going to, that you're planning for.

00:36:06.159 --> 00:36:07.679
And what does it look like?

00:36:07.840 --> 00:36:08.800
What can it look like?

00:36:08.880 --> 00:36:09.920
What do you want it to look like?

00:36:10.079 --> 00:36:11.840
And do you need support in that?

00:36:11.920 --> 00:36:13.599
Um, and what would that support look like?

00:36:13.760 --> 00:36:15.760
And you can always reach out to Brandon.

00:36:15.840 --> 00:36:20.239
His link is always in the show notes to schedule some time to see if there's alignment there.

00:36:20.559 --> 00:36:26.559
And um, you know, we just want you to think about going through these seasons with grace.

00:36:26.719 --> 00:36:28.079
You know, give yourself grace.

00:36:28.239 --> 00:36:30.480
I think there's so much going on in the world.

00:36:30.800 --> 00:36:33.039
Everybody's stressed, everybody's tired.

00:36:33.599 --> 00:36:38.320
You know, most people are feeling like the dollar is not dollaring, right?

00:36:38.400 --> 00:36:45.599
Like, I mean, I told Aston the other day, I said, look, we left Food Lion, we had three bags and we spent$65 for what?

00:36:45.920 --> 00:36:50.480
You know, like the dollars are not stretching, you know, no matter what we're trying to do.

00:36:50.559 --> 00:36:53.280
And so I think we're all in our own seasons.

00:36:53.519 --> 00:37:00.159
But think about what season you're in and what you want the next season to look like and where you need support, and then get the support that you need.

00:37:00.320 --> 00:37:06.480
Make your money match your needs and have somebody hold your hand if that's what you need this season.

00:37:06.639 --> 00:37:09.760
So we hope we've given you something new to think about.

00:37:09.920 --> 00:37:11.199
Give yourself grace.

00:37:11.360 --> 00:37:16.159
It's a season, things come and go, and you are doing great.

00:37:16.400 --> 00:37:27.760
Um, and if you want to do better than where you are right now and you um want to see what that looks like, then click the link in the show notes to schedule some time with Brandon, and we will talk to you soon.

00:37:28.000 --> 00:37:33.360
Don't forget, Benjamin Franklin said an investment in knowledge pays the best interest.

00:37:33.599 --> 00:37:34.880
You just got paid.

00:37:35.119 --> 00:37:35.920
Until next time.

00:37:36.239 --> 00:37:37.840
Sugar Daddy Podcast go.

00:37:38.400 --> 00:37:40.639
Learn how to make the pockets grow.

00:37:40.880 --> 00:37:43.039
Find mental freedoms where we go.

00:37:43.360 --> 00:37:45.360
Smart investments, money flow.

00:37:46.000 --> 00:37:47.920
Thanks for listening to today's episode.

00:37:48.079 --> 00:37:50.880
We are so glad to have you as part of our Sugar Daddy community.

00:37:51.119 --> 00:37:59.119
If you learned something today, please remember to subscribe, rate, review, and share this episode with your friends, family, and extended network.

00:37:59.360 --> 00:38:03.519
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00:38:03.679 --> 00:38:14.639
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00:38:14.960 --> 00:38:17.519
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00:38:17.840 --> 00:38:20.880
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00:38:21.039 --> 00:38:29.119
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