Do you know what a chief financial officer (CFO) does? Here’s why I ask:
No one – and I do mean no one – has ever said to me, “Jacquette, I want you to teach me how to be a better chief financial officer (CFO).”
You as CFO is not an option – it’s a must!
I don’t just say this because I’m a financial geek and I want you to become one, too.
I say it because “you as CFO” is a financial reality that I believe:
- You may be resisting and ignoring – thinking it’s a fad or the latest marketing hype by the financial services industry.
- You might misunderstand – thinking the responsibilities of the CFO role are all about crunching numbers.
- You may be minimizing – thinking the need to don your CFO hat is not really necessary. After all, the economy and employment landscape will eventually get back to the way things were pre-2008 (or the Great Recession), right?!
When the job you have isn’t the one you want
Do-it-yourself personal finance is nothing new. Truth is, you’ve been doing some aspects of this ever since the very first time you got an allowance or got paid for your very first job.
However, the new economy, which makes entrepreneurs of us all, calls for a more expanded vision of what do-it-yourself personal finance looks like in terms of the actions you take, decisions you make, and your level of engagement.
- That means being a financial leader in ways you may not have envisioned.
- That means being more proactive and less passive.
- That means looking beyond the numbers and being more curious about the story the numbers are telling.
- That means performing some analysis; doing some forecasting; creating some reports, etc.
- That means having a process to turn information into insight and using said to formulate a strategy.
- That means recognizing that you don’t really manage money as much as you manage your choices.
- That means recognizing that money isn’t one-dimensional – even though we all tend to talk about it as if it is.
- That means making time to manage your money.
- That means being accountable for your decisions, but not feeling like you need to make them alone.
- That means recognizing that there are few money choices you can make that don’t affect all aspects of your life…and vice versa.
- That means embracing a role you didn’t expect to have.
CFO of You, Inc.
I know, I know — it sucks when the job you have isn’t the one you want. Or, when you feel ill-prepared for the task at hand.
You knew adulthood came with the responsibility of managing your money and your financial choices. But to this degree…hmmm???
Nope. You as CFO is not a fad and it’s not marketing hype; it’s your new reality.
Just consider the plethora of consumer-based online tools and applications and websites geared toward helping you connect with and leverage your financial power.
Crunching numbers is one aspect of what a chief financial officer does. But so is being creative and anticipating the future you want and the future that might be, along with planning for multiple outcomes.
“Jacquette was able to help me look past the basic dollars and cents, to see the thought patterns that were driving my spending choices. The tailored financial action plan she delivered was realistic and easy to follow, moving me towards my goals.” Aduke Thelwell
Would you like to experience results similar to Aduke’s? Would you like support managing your CFO role fully and more completely? Become a member of the Financial Intimacy Lounge. The Charter Member rate of $47 a month expires on April 30th.
Helping you don your CFO hat with greater confidence is one of the ways I can help you get more from your money and for your life. Working with you inside the membership is one of the ways I can make your CFO role less overwhelming and a heck of a ot more fun!
Well, not literally. But metaphorically, it does.
I’ll explain in a minute. First, some context.
I’ve spent the last several weeks exploring the delusion of hard work (as a constant state of being) and how it affects your finances.
Selfishly, I wanted to dive more deeply into the whole work-n-money paradigm. In light of my own evolution in this area, I wanted to counter the notion that working harder and struggle and success are inevitable cousins. Instead, I wanted to invite more ease into my business and life – along with more money.
Turns out, my personal quest was a mirror for what many of my coaching clients (and blog readers) are dealing with, too. Or, is it the reverse?
A Rabbit-hole of a Different Kind
Old-school programming about work, about money, and about the dynamic relationship between work and money, are so ingrained that you and I barely even recognize what we’ve embraced as “gospel.” Therefore, we don’t recognize the ways in which we are stuck – blindly making choices that actually don’t serve us in the best of ways.
Since working hard(er) tends to go hand-hand with our glorification of busyness, it seems only fitting to wind down this series discussing the exact opposite of this mindset and approach. It’s time to introduce the next layer in what is truly an on-going conversation.
Hence, this question: Could a slower pace and more quiet mind positively impact the way you manage your money?
And the reason the interplay between meditation and money is the focus for this month’s Financial Intimacy Hour. (Not registered? Click here. It’s tonight – Wednesday, 3/26 at 8pm EDT.)
Let’s face it, money can be stressful at times!
What that stress looks like differs depending upon whether the issue is related to earning it, having it, managing it, or sharing it. And each day, you have a multitude of decisions to make in any or all of these areas.
This brings me to the dance I referenced.
What typically happens when you feel stressed about money? I’m going to bet you shift into the “I need to do more (fill in the blank)” mode. How right am I?
Activity or movement of any sort seems more logical than just passively sitting by and doing nothing to alter your circumstances. (And to be clear you don’t have to be broke and in debt to feel stressed about what you’re doing or not with your money…just saying!)
But what if you and I have it all wrong here?
When the financial pressure is on…when your financial stress is at its highest, what if the act of becoming still (which is often perceived as “doing nothing”) was precisely what you needed to do next? What if it turns out that your wisest choices stem from this place?
So, How Do You Dance?
The “to-do vs. to-be” dance is a delicate tango.
Ultimately, you need to take action, but the difference lays with how you dance. From my own experience, I can attest to the fact that whenever I lead with to-do (which is usually based on fear), stuff becomes an even hotter mess!
On the flip side, when I lead with to-be – however unnatural and uncomfortable it may feel – the better the outcome AND the better I feel about the outcome.
To-do vs. to-be is all about attitude, mindset, and intention and whether you’re in the front being pushed by or in the front leading. This is why I am TOTALLY fascinated with how the practice of meditation can help you and me make smarter money decisions.
Could meditation hold the key for you to experience (even more) financial success than you have to date – because it plants you more firmly in the front as the leader of your money?
Let’s explore the interplay between meditation + money together. Let’s unpack whether it can positively impact the way you manage your money.
And don’t worry…while we are diving into nebulous territory, my guest, Kandace Simmons, and I will make certain you have clear, concrete and practical takeaways that you can implement immediately should you so choose to!
p.s. would you like to help me spread the word? Awesome (and thank you)! Please share this link:
Next week I’m hosting a free workshop – “Stage Your Own Financial Makeover: You Can’t Work 24/7/365, But Your Money Sure Can!”
I’m going to give you specific steps you can implement immediately to begin the shift from you working harder for your money than it is working for you. Click here to register.
But before we get to the to-dos, it’s helpful to know the what-not-to-dos.
You might be unwittingly making four common mistakes not realizing just how much they are actually blocking you from what you want. And in this case, that’s experiencing what it feels like to work less yet have more of what you most desire be it time, freedom, choices or something else – without sabotaging your current or future financial health and well-being.
You are too conservative.
I’m not talking about politics here. But I am referring to how you approach investing.
One of the biggest mistakes I see people making is being too risk-averse.
Especially when it comes to the stock market investing, because you fear potentially losing your investment principle you confine your investment selections – in part or entirely – to what will generate income. As a result, you to tend to exclude investment options that will grow by appreciation.
You believe this is safer. But the problem here is that the income earned doesn’t often out-pace inflation.
Gone are the days when an online savings account generated 3.75%! (Gosh, remember when ING Direct first hit the market?!)
If you want your money to work harder for you, you must expand your definition of risk beyond what you may potentially lose today. You have to also consider the opportunity cost of what you might lose in the future.
Be smart about it, but don’t be afraid to be a tad-bit more aggressive with your investment strategy.
You don’t have a money management system.
You either don’t have a system for making your financial decisions, or you have one but you don’t follow it consistently. For example, you don’t have a checklist or use tools or a particular method for:
- tracking your spending (and this is not to be confused with budgets!)
- making your investment buy, sell and re-balance decisions
- managing your cash and creating spending and debt management policies
When you lack a system and structure, you’re probably missing costly financial leaks and dismissing lucrative financial opportunities.
For your money to work harder for you, it needs structure.
A system provides that structure and it ensures you’re operating proactively and strategically with your money. Instead of making financial decisions that are mostly “shoot-from-the-hip” tactical and reactive. Continue Reading…
Last week’s post about the delusion of hard work really struck a cord.
Some comments were simple and direct – “This was written for me.”
Others took a more anthropological stance, and talked about how the North American immigrant experience, history of slavery and Industrial Revolution affect our present day concept of hard work.
The above, along with the other responses I received, are deep and personal.
I also think they represent an undercurrent playing out in many work environments – a desire for a different way of living and being.
Please, Please, Set Me Free
As I said (here), the problem with deeply-rooted beliefs and long-standing examples that laud hard work and struggle over ease is that you end up working harder for your money than it does for you.
And since there are people whom have flipped the script and the switch on this paradigm, wouldn’t it be really, really cool if you, too, were living a life where your money worked harder for you than you for it…all the time?!
- Can you imagine really living life on your terms and having control over your time and your lifestyle – instead of wishing it were so.
- Can you imagine working in Corporate America but setting a new standard for what it means to be a “hard worker” and committed team-mate? Or, if you own a business, can you imagine actually running it instead of it running you. In other words, can you imagine taking time to think and be creative instead of being in a constant state of doing and reaction?
- Can you imagine what it’d feel like to really work less yet have more (fill in the blank of what matters to you) and know that this decision isn’t sabotaging your current or future financial health and well-being?
Not only can I imagine this for you, I can imagine it for myself. But first, you and I have to make a few changes. Here’s what I mean…
Work Harder; Get Less?
If there was a poster child for ‘the delusion of hard work,’ it certainly would have been me. One of my first coaches, Mark Monchek, helped me see this with a simple, but piercing question: “Why are you trying to force this?” He was referring to my effort to grow my investment management business when it was my financial education practice that was thriving with little effort.
For a bit of context: I had a blast traveling across the country delivering custom-designed and non-traditional financial education experiences for corporations and associations. But back then, I looked at that work as something I did to supplement my revenue from working as a money manager.
Even though I LOVED the work, I didn’t initially take what I did in this education realm seriously because it was “easy” for me. Plus, my ego was really digging being able to say, “I’m a money manager.” That all changed when I realized 80% of my revenue was actually coming from the financial education side of my business.
My awareness may have changed somewhat instantaneously; it certainly was the reason I eventually closed down my money management practice. But it’s taken my mindset a little longer to catch up.
When your desire for a different way of living and being is greater than your current reality, you know you’re ready to have your money work harder for you than you are of it. However, readiness is one thing. Making it happen is quite another, and it requires a few changes:
- You’ll have to adjust your mindset and alter a habit or two or three…
- You’ll have to change your approach to work and to money
- You’ll likely have to “see” yourself with new eyes - letting go of your “old” identity in order to welcome in a new one.
The shift in you having a say in how you work, when you work and on what, and in you defining the success thereof has been simmering for awhile. But the Great Recession became a poignant pivot point – prompting everyone to pay a wee-bit more attention and realize that you really are responsible for your career and your financial success.
Some people excel in this awareness; others become frozen by the responsibility of it.
Truth is, it takes courage to flip the script and the switch on ‘hard work’ and embrace a new work-and-money paradigm: to really take the bull by the horn and live life on your own terms. But the benefits of having your money work harder for you are immeasurable.
That’s why I’m excited to tell you about a virtual workshop I’m hosting – Wednesday, March 19th at 8pm EDT – “Stage Your Own Financial Makeover: You Can’t Work 24/7/365, But Your Money Sure Can!”
You’ll be able to register soon. In the meantime, save the date and let me know in the comments section your answer to this question: What would be different about your life if your money worked harder for you than you of it?
I bet like me you were told (and continue to hear) that to get ahead or to reach the next level you have to work hard.
Work harder, and you’ll accomplish more; work harder, and you’ll be better; work harder, and you’ll get the results you want.
Our culture has such a reverence for hard work; we make it seem as if all you have to do to be guaranteed success and wealth is: work hard(er).
The Delusion of Hard Work
Though worn as a badge of honor by many, ‘hard work’ is such a loaded phrase. And usually what comes with it is the expectation of long hours and weekends and minimal “me” time – which is regularly associated with success, which is frequently linked to earning a lot of money.
But as you know – maybe even from personal experience – there are a lot of people who work hard yet feel short changed when it comes to success and wealth.
On the off-chance you and I are not operating with the same definition of ‘hard work,’ let me be clear: I am not talking about hard work that comes from challenging yourself to reach beyond your limits – that expands your confidence because you overcame a difficult task or met a monumental milestone.
When I talk about the delusion of hard work, I’m speaking of ‘hard work’ as a constant state of being that lauds struggle and dismisses ease.
When struggle trumps ease, all hell breaks loose – if not immediately, then eventually. And as a result, you tend to:
- Conflate the relationship between time and money with the relationship between time and work. They are NOT one-in-the-same and your income doesn’t have to be proportional to your investment of time.
- Conflate ‘hard work’ with focused-effort, discipline, consistency, practice, and a willingness to experiment.
- Assume there’s something wrong if what you’re doing doesn’t always require ‘hard work’ and it isn’t experienced as difficult. This way of being can become so “natural” for you that it extends beyond your work to include your personal relationships and how you relate to and manage your money, as well!
All this presents a conundrum for successful, financially-aware people like you – particularly if you’ve been operating under the spell of what I call the traditional, old-way of thinking about ‘hard work’.
Literally, you tend to work harder for your money than it does for you. Metaphorically, you work harder for your money than it does for you because you don’t have fun managing all aspects of it; so you’re likely to pay less attention to the parts you don’t like.
Another problem: You’re more likely to resist and close your eyes to new information, especially if it contradicts the reality you want to keep or are simply comfortable keeping.
Hard Work: Redefined
It is true: Work is an important element to your success – financial or otherwise. But if we look at ‘work,’ and the results thereof, as a derivative of focused-effort, discipline, consistency, practice, and a willingness to experiment, then the big question becomes: Are you doing what matters when it matters?
Of course, this presupposes you KNOW what matters and when it needs to get done!
Let me know by leaving a comment!
Ah, man…I wanted nothing more than to follow through on what I promised last week. To write and say, “Yeah baby, we’re live. Check out my new website!!”
But alas, I am not
We need a little more time.
The wait won’t be long, though; we will be ready to go live next week. However, my “announcement” post is not appropriate for today.
Everything has a rhythm
When I was thinking of what to write about instead, the lyrics of an old funk song by Parliament Funkadelic popped to mind: “…if it don’t fit, don’t force it…”
From the beginning, I have thought of this series of behind-the-scenes posts as “shadows.” Meaning: my intent for sharing the lessons I have learned, during this period of transformation, is/was so they could serve a purpose for you, too.
I guess this experience has another lesson for you and me to (re)learn. Continue Reading…
What if tomorrow morning you woke up to the news that you closed the deal and got THAT contract?
What if the meeting on your calendar for tomorrow afternoon was to announce your nomination to become an equity partner at your law firm or consulting practice?
What if you get a letter requesting your presence at the reading of the last will and testament of a beloved family member; you were bequeathed a sizeable inheritance.
What if, on a lark, you actually played the lottery and during the 11pm news you hear your numbers…you freaking won!
From X to Y
Whether by talent, discipline, and hard work; generosity; or pure damn luck, you went to bed having X. And now you have Y.
This is a moment you’ve thought of often. You probably even have a list of things you’d do and buy if the windfall you’ve been preparing for and/or praying for happens.
But now, what was once considered a “one-day, maybe” goal or fantasy is a full-on reality.
You now have more money than you’ve ever had. You are suddenly rich – oh, by about six- or seven-figures.
Pretty damn cool, eh?!
Your new financial reality changes EVERYTHING!
It changes what you can do; it changes what you no longer have to do; it changes many elements of your lifestyle; and more.
It sounds absolutely wonderful, doesn’t it?! You welcome this kind of change with arms wide open.
Eventually though, the excitement settles and you soon find yourself wrestling with a very logical question: “What the hell do I (really) do with all this money?”
Last week, I had the awesome pleasure and privilege to speak with a group asking just such a question.
I thought I’d share a few of the tips I presented during last week’s workshop. Why? Because you very well could find yourself in a similar position as them, albeit for very different reasons.
And because windfalls, no matter the size, usually find you a bit unprepared for them.
So, let’s start there…
1. Windfalls require adjustments
An aspect of becoming suddenly rich that is often overlooked is this: When you get more, you have to increase your capacity to handle more.
With more money, comes more responsibility. More responsibility typically involves different decisions and choices than what you’re accustomed to making.
When you read this, you might find yourself saying, “duh, Jacquette!”
Yet, most suddenly rich people expect everything (and maybe everyone) around them to change. But they don’t realize they need to change too!!
2. Windfalls don’t mask blind spots (they exacerbate them!)
Some people believe more money alone will change how they experience money. But here’s the real deal: How you handle a $1 will be the same way you will handle $1million. Unless you invest the time to discover your blind spots and adjust accordingly.
3. Windfalls require a plan of action
To go beyond being suddenly rich to becoming gradually wealthy (or wealthier), your windfall needs direction…you and it need a plan of action.
Think of your plan as a financial playbook for how the different spheres of your “financial wheel” (earn, save, invest, spend) work independently and how they “talk” to each other.
A well documented plan should help you manage your new financial reality, with specific strategies, policies and processes. A well executed plan is best achieved with a team of independent experts – each accountable for specific outcomes. A well followed plan has built-in oversight.
4. Windfalls demand you proactively think about “what could possibly go wrong?”
Just as windfalls exacerbate blind spots; they also highlight human nature. That means you need to be brutally honest about what could possibly go wrong. And, that ranges from acknowledging the probability of losing all of what you’ve gained due to poor choices, poor management or poor counsel to acknowledging that family and friends may have unrealistic expectations about what YOU should do with your money. Having a “what could possibly go wrong game-plan?” will help you mitigate your risks (financial and otherwise).
From suddenly rich to gradually wealthy (or wealthier)
When I spoke with my group of suddenly rich folks last week, I talked about mindset, behavior, and choices (what a surprise, right?!). I talked about how their windfall was a financial springboard, and how it is an invitation to be a better steward of their resources.
Luck of the lottery-winner type had very little to do with why we were in a room together; they were there due to their talent, hard work, dedication, focus and sacrifice. A smorgasbord of ingredients that can likely lead to your very own suddenly rich moment.
I am not a biblical scholar, but when I think of how best I can help suddenly rich people navigate and negotiate this new terrain – in terms of dollars and the emotions that go with – I recall the passage Matthew 7:13-14:
The Narrow and Wide Gates
13 “Enter through the narrow gate. For wide is the gate and broad is the road that leads to destruction, and many enter through it. 14 But small is the gate and narrow the road that leads to life, and only a few find it. NIV
Should you become suddenly rich, the above tips will help you go through the narrow gate. (By the way, if Christianity or religion, in general, isn’t your thing, then just think of the wide gate as “the easy, get by with little effort, non-strategic way” and the narrow gate as “the hard, put in the effort, strategic way”.)
It is the narrow gate that will minimize all that could possibly go wrong. From losing all of your windfall and ending up broke to having fractured personal relationships due to misplaced expectations.
It is the narrow gate that leads to gradual wealth.
p.s. is having a business of your own (full-time or on the side) part of your becoming “suddenly rich” strategy? If so, check out Jullien Gordon’s program – B.P.A.I.D. (You may recall he was my guest expert teacher last month.)
At first, I thought I was too advanced in my business for the program because I’ve been going hard for many years now, but Jullien taught me how to hustle smarter, not harder. I participated in B.P.A.I.D. just as I am approaching the finish line of an 18-month business re-engineering & re-branding exercise and process. I highly recommend this program to anyone seeking more financial freedom because Jullien has a wealth of information. And for those of you who are still working full-time jobs, by the end of the program you will have a legitimate business plan that you can begin as a side hustle right away. If you want to create your D.R.E.A.M. (Desired Relationships Employment And Money) life as Jullien calls it, check out www.bpaid.me. He is a friend, so let him know I sent you.
Tonight’s the night. Tonight is when you get a chance to objectively see (and this is key) if you’re living your life on a continuous loop of the same meetings, activities, and responsibilities – sans any excitement, passion and joy.
It is an opportunity to confront if almost everything about what you do and how is on automatic pilot. It’s a chance to see if you’re living life by your rules.
Actually, it’s a chance to see if you’re living your version of the movie, “Groundhog Day,” which was a continuous loop of the same day!
Tonight is an opportunity to change the script…if you want and if you are ready. It’s an opportunity to discover what you don’t know you don’t know. Heck, when I met Jullien two months ago, I didn’t realize the extent to which I wasn’t living out my perfect average day!
So…will I *see* you later? Will I have the pleasure of introducing you to Jullien Gordon – of JullienGordon.com. As you may recall from last week’s post, Jullien is a speaker, coach and introspective trainer; he’s an innerviewer. And, I’m turning over my mike so that he can show you (and me) how to celebrate independence day more often than one day a year. Click here for more details and to register.
It’s so easy to get lulled into an unexamined routine. It’s familiar; mostly comfortable; and feels safe. But if, like I suspect, you:
- want and expect more from life;
- want to be more intentional about the choices you make and the rules you follow;
- acknowledge that how you spend your time day-in and day-out will determine the quality of your life; and
- want to know how to make small shifts to rock out the rest of 2013…
…then join Jullien and me tonight at 8pm ET. You can grab the details here…and it’s free!
With a simple tool and some profound questions, you’ll experience moments of shock and disbelief (because of what you learn you didn’t know about yourself) that’s matched by moments of excitement, anticipation and a deeper sense of self-awareness and self-trust.
Sounds like a great way to spend about 60-minutes, doesn’t it? Look forward to seeing you later
p.s. if you’re ready to live a more fulfilled life, join us tonight!
As I mentioned earlier, you’ll begin to hear other “voices” via guest posts that I’ve commissioned. And with two-weeks left until the U.S. tax filing deadline for personal taxes, I couldn’t think of a better post than one from Valeri Hall Little – a business efficiency designer and productivity consultant. A combination sorely needed at this time of year, especially if you’re scrambling to pull together your tax-related paperwork :)!
Did you know the average person spends 21 hours assembling and completing his or her tax return? That’s a huge chunk of time you could spend doing other things that you actually enjoy.
Let’s face it; getting ready to file your personal taxes is never fun. Even if you outsource this task to an accountant, you’re still responsible for getting all the paperwork ready so they can do their job effectively.
If you’re looking at a big pile of financial documents right now … or searching for one that has been misplaced, I feel your pain. I’ve been there myself, more than a few times. It always ends with me making a promise that I’ll never go through this torment again. The last few years I’ve kept this promise by following a few simple steps that I want to share with you now.
Make it Easy on Yourself…in 5 Simple Steps
1. Set aside focused time
• Block off 1- or 2-hour chunks of time to organize your financial records.
• Motivate yourself. Put on comfortable clothes, pour your favorite beverage, put on some music. Whatever you have to do to make this task more enjoyable, do it.
• Remove distractions: turn off your smartphone, close your email, log off your social media channels. This has to be uninterrupted time.
2. Select your tools
• You need the right tools to organize your financial papers. I use an accordion file folder and label the tabs according to my needs. Examples include:
o Taxable Income Statements
o Deduction Receipts
o Previous Years Return
Tip: to figure out your tabs, use last year’s tax return as a guide.
3. Seek help
Even if your income tax return is relatively straightforward (i.e. single income, basic expenses and small investments), seek out the services of a certified public accountant (CPA). But this is extremely important if your situation is more complicated (i.e. business owner, numerous expenses and write-offs,). Could you do your taxes yourself, probably. But it isn’t wise when you think about tax code changes and the like.
4. Set up your system
• You don’t want to do this work all over again next year, right? To avoid this, create a system that will make it painless next year. Here’s my system:
o I keep my tax accordion file in my filing cabinet beside my desk. Each time a tax document comes in the mail, I immediately file it in this folder, in the appropriate tab.
o At tax time, I give the entire accordion file to my accountant.
o When I get my tax return back, I file it and all supporting documentation in my Tax Box (see below).
o I return my tax accordion file to my filing cabinet and repeat this process.
• Use a bankers’ box to store all your previous years’ returns. Make sure you label it Tax Box and store it in a location where it will be away from moisture.
• To figure out how long you have to keep your documents, check your government’s website.
• To get ready for the current year, simply re-use the accordion file folder (tabs will be in place) and put it in your filing cabinet.
These five simple steps have saved me countless hours and gray hairs! Getting organized once will save you time, money and energy next year and beyond.
Valeri Hall Little is a business efficiency designer + productivity consultant with intandem. She puts people back in control of their lives and businesses by helping them organize and systematize. Sign up for her e-book, CLEAR Your Clutter: 5 Steps to Move you from Chaos to Control.
p.s. don’t forget about tonight’s webinar – “Do You Have the Mindset to Be Debt-Free” featuring Mindy Crary, CFP + conscious money coach. BTW: organization definitely plays a role in how you experience debt!
p.p.s. You know what’s not so hidden on pg. 94 of the April issue of Ebony Magazine (@EBONYMag)? Muah! Yippee!! Check out my piece for “Ebony Connect U.”
p.p.p.s. the virtual, three-month experience for couples – Master the Language of Love + Money – launches in May!!! Stay tuned for details.