#320 - Rachael Bronstein - Navigating Finances in the Music Industry

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I really wanted to help everyone
behind the artist, figuring that

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the artist had a business
manager and everybody else has

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to kind of wing it.
And so I kept hearing that

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people were asking friends of
friends for help and everybody

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was kind of recreating the
wheel, you know?

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And so why, why make it harder?
The industry is already kind of

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hard.
And so I wanted to provide some

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guidance so they could have some
more stability and they could

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felt cared for.
I went to some tour rehearsals

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last year where someone said
like that my work just brought a

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light to their rehearsals.
And so they had never felt so

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provided for.
And so that was super amazing

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that like these people that
deserve a voice and deserve

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someone on their side kind of
got some help there.

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La La La La ladies the lady Now
here's the leading ladies by

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Geezers of gear on tour.
Maybe she got some stories to

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share.
Now here's the leading ladies by

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the geezers of gear Rock star
ladies with some stories to

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share because La La, La La la.
Hello and welcome to Leading

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Ladies with me, Sarah Burnie.
Today's guest is Rachel

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Bronstein.
She's the founder of Life's Jam,

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a financial coaching practice
focused on supporting the live

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music industries behind the
scenes pros.

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With 20 years plus in finance
and operations and a deep love

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for touring life, she helps
crews, freelancers and festivals

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create money systems that
reduces stress and builds

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confidence.
Rachel works with Music Cares,

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Echo Live and her money and
brings financial coaching

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directly to the road.
She's an accredited financial

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counsellor based in Miami,
passionate about helping people

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align their money with what
matters most.

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This conversation is fantastic.
Rachel really goes into depth on

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how she can help people.
What she's doing now, her

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website is www.lifesjam.com.
That's Li fes dot COM and in the

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little captions below, I will
also Add all of her details on

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Instagram and for Facebook as
well.

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When you can reach out to
rachelandifyouhaveanytroublesyouknowyoucancontactmeproducer@geezersofgear.com.

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I really hope you enjoy this
episode with Rachel Bronstein.

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Hello Rachel, welcome to Leading
Ladies Podcast.

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Thank you for having me Sarah.
I'm so looking forward to our

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conversation.
I know.

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So we, we just had this little
brief conversation just saying

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that we tried to do this about a
month ago and my Internet was

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just, well, it was dire.
Like I live in Greece and it

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sometimes can be a little bit
bad, but we really struggled,

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didn't we?
We like I was freezing.

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It was cutting out midway and I
think we tried for about it was

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about 20 minutes and we thought
maybe it was your Internet

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because she was in a hotel at
the time.

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But anyway I've.
Upgraded.

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We're here.
We're here, but please, I know

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you just mentioned to me, but
where are you now?

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I'm in Massachusetts.
I've done kind of a summer road

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trip up north to see the tours
that I'm working with and do

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financial coaching on site at
the Newport Jazz and Folk

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Festivals.
So I'm between those two

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festivals right now and I'll
head back to Newport on

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Thursday.
That's incredible.

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So for everyone that doesn't
know you, what, what do you,

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what service do you provide?
Like what, what, what do you do?

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Tell us what you do.
Sure.

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So I am a financial coach.
I had never actually heard of

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financial coaching before I got
started.

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My mom was a teacher turned
financial planner and I kind of

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saw her recreate herself.
We unfortunately lost my dad to

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cancer when I was young and she
was supporting a family.

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I have a special needs sister
and I thought about going into

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financial planning with her.
I had even started getting

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certified.
I got a degree in finance but I

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took a turn and went into
production finance at NBC after

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college.
Kind of spent a lot of time with

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production folks and really had
an appreciation for what goes

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into putting a show on and kind
of Fast forward.

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Got married, had kids, a move to
Florida kind of got me doing

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some other things and raising a
family.

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And unfortunately, my mom passed
and I had to sell her business.

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And during COVID, I had seen the
music industry shut down.

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And for fun, I had volunteered
at music festivals down in South

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Florida for years.
And I sort of called up my

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contacts and asked if there was
a problem I could solve.

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And it seemed like a lot of
people needed some help with

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financial literacy support, kind
of how to take action on the

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things that they may know or not
know.

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So I started investigating kind
of how I could help.

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And I connected with a woman who
had been on NBC.

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Her name was Jane Chatzky, and
she was the financial editor on

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the Today Show for 25 years.
And I loved how she talked about

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money and she was looking for
coaches and we kind of had some

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nice conversations and she was
telling me about financial

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coaching.
And so during COVID, I went and

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became an accredited financial
counsellor and started coaching

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for Jean and kind of helped grow
her business, which was doing

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financial coaching for women.
And I told her at the same time

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I was growing my music business
because I had kind of hung up a

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shingle and tried to see if I
could help.

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Some roadies kind of paired off
right away with the Roadie

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Clinic who is super generous in
connecting me with some folks

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that I could help as I got
started and kind of taken off

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from there.
And so last June I went full

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time into Life's Jam and I've
been working with tours.

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I write an article for PLS and
Magazine I.

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I also started the Music Cares
Financial coaching program last

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year where people in need can
get help so they can get 6

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sessions with a financial coach,
myself and others included now.

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So I'm just like, really proud I
wasn't.

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Quite sure like it.
We're obviously with the

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financial coaching like it, it
is for roadies, it's for, you

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know, it's not necessarily for
like the, you know, the

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accountants that are working
that need help within the

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production.
It's for us, it's for, it's for

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the.
People that work, I really

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wanted to help everyone behind
the artist, figuring that the

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artist had a business manager
and everybody else has to kind

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of wing it.
And so I kept hearing that

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people were asking friends of
friends for help and everybody

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was kind of recreating the
wheel, you know?

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And so why, why make it harder?
The industry is already kind of

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hard.
And so I wanted to provide some

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guidance so they could have some
more stability and they could

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felt cared for.
I went to some tour rehearsals

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last year where someone said
like that my work just brought a

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light to their rehearsals.
And so they had never felt so

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provided for.
And so that was super amazing

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that like these people that
deserve a voice and deserve

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someone on their side kind of
got some help there.

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And there's of course other
organizations doing different

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kinds of Wellness types of
things also.

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But I mean, I think the
financial side of things, I

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mean, it was Cara Kemp from
Echolife.

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She's the lady that connected
us.

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Cara's wonderful, amazing.
He was like, you know, you'd be

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amazing on on on the show.
Now just to explain it.

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Light Switch is a collective of
award-winning lighting, media

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and visual designers committed
to changing how people

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experience the world.
For more than 30 years, we have

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been practicing pragmatic
design.

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At Light Switch, we believe it's
our responsibility to keep our

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clients creative, logistical and
financial objectives in balance.

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Light Switches range of
expertise is extensive.

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From working one-on-one with
clients and artists to

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multidisciplinary teams
collaborate on all visual

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aspects of temporary and
permanent projects, Light Switch

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creates unforgettable moments
and powerful experiences.

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We celebrate our team, clients
and all of our industry's

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diverse and talented people.
As a part of our commitment to

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inclusion in all aspects of
entertainment and experience

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design, Light Switch is proud to
sponsor leading ladies.

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And at the time you was going to
be basically a financial coach

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on one of the tours that I've
just done as well.

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And unfortunately we were
either, I kind of missed it, but

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I, I saw the e-mail, but I was
either too late.

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But then the timings were wrong
for us because like in the

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catering world, it was just too.
Yeah, it's always the hours are

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different, you know, when you
have a session.

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It was just, it was just too
different.

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But I really wanted to know,
like, when people are on tour,

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did you get a lot of people that
came to the online sessions?

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I know you had been in the
rehearsals as well.

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Yeah.
When people are on tour, like,

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do they find time to come on to
the sessions?

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That's my.
Yeah, still rehearsals is super.

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It can vary by tour.
The ones that I've worked at

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rehearsals are people are making
the time.

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So I have AQR code, they can
sign up for 1/2 an hour session.

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I start early, I end late.
I work around everyone's

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schedules.
So you know, everybody's kind of

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busy as it at a different time.
Sometimes I would just have

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conversations and catering
during a meal, but really it was

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like a revolving door.
So like the next person was at

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my door waiting for their turn.
So they were able to find that

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that little bit of time and
after rehearsals, this tour

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subsidized individual coaching.
So if an individual, they would

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book usually time with me on
their day off.

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So we would do a one hour
session, they would do some prep

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work.
And so we could really hit the

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ground running in that kind of
intensive session.

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And then I've been going on site
to some of the shows.

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And so if it's a 2 day show,
they've already loaded in.

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So like the second day has more
free time and opportunity to

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meet.
And then I've been doing these

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monthly coaching calls on days
off.

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So those are group calls and
anyone can call in.

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It can be a check in, it can be
an update they want to give me,

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it can be a question.
And that's been going really

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well as well.
That's really great because like

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you said, like nobody else has
that support.

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And I suppose when people meet
you at the rehearsals in person,

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they can see you, they can
connect with you, which is, you

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know, rather than like, you
know, like, like we received an

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e-mail, you know, like what,
what's that?

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And then it just got, you know,
it got forgotten about.

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That's the truth, because we
were busy, just got forgotten

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about because we would also join
the tour like later than

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everybody else.
You weren't like at the

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rehearsals and blah, blah, blah.
So that was like for me, I after

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I'd done my little bit of
research about you, I was like,

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oh man, now I kind of get it.
So when you're like at the

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rehearsals, obviously people
come, what, what are the

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questions people are asking you?
What, what what are you helping

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with?
Are you like, yeah, what exactly

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are you?
Helping and I wish it was like a

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perfect little neat box like so
that, but it's not.

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There's like so many different
things people want to talk

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about.
Some common themes might be

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credit card balances and how to
pay back debt, how to deal with

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taxes, you know, if you're how,
how you're getting paid.

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So if you're getting paid as a
contractor, getting paid as an

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employee.
But one of the things I created

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for this tour was I took all of
the tour dates because if

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somebody was on retainer, it was
a different rate than if they

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were.
It was a show pay.

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So I created a calendar for the
year with the tour dates and

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kind of pre populated two
options for rates so that when I

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shared it with them, they could
just key in their two different

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rates and it would kind of
generate potential income that

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they would be receiving.
Because I think a lot of times

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we don't really know.
And so I want to kind of get our

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hands around let's control the
parts that we can control.

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And so like let's pull in the
information that we can gather.

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Even if it's not 100% there, if
it gets us 80% of the year, it's

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still information and it helps
us.

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Yes, yeah, completely.
I mean, that's the generally the

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first thing if if I get asked, I
mean, look, I, I don't tour

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anymore.
I I did, I've been on tour maybe

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once a year I'll go on tour
because obviously I have this

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job and it's really hard.
Like it was really hard trying

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00:13:11,160 --> 00:13:15,240
to do both, like being on tour,
doing this, doing geese of gear,

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doing everything.
It was like on my days off I was

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doing this.
So there was no kind of, yeah, I

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struggled on like in that way.
Marcel was amazing.

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He was like, Sarah, don't worry
about anything.

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Like, you know, but it's me.
I have to, I have to really try

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00:13:30,600 --> 00:13:34,360
and get everything done.
But that was the first thing I

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00:13:34,360 --> 00:13:36,960
did, you know, when I got asked
about this tour, I looked at all

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the dates, all the days off
planned.

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But then I'm a planner.
So I'm a planner to do

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everything.
And on the financial side, I was

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00:13:44,720 --> 00:13:48,360
like, OK, that's roughly what
I'm going to be getting, you

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00:13:48,360 --> 00:13:51,200
know, and again with me with the
exchange rate, you know, it's, I

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00:13:51,200 --> 00:13:54,080
never know what I'm going to be
getting, but roughly it's going

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00:13:54,080 --> 00:13:56,560
to be this.
And I was like, OK, we've got

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00:13:56,560 --> 00:14:00,640
daily expenses, our PDS, that's
how much I can spend.

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00:14:00,960 --> 00:14:06,440
So I'm very much that kind of
person that, OK, that is all I

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00:14:06,440 --> 00:14:08,360
can spend.
And if I spend too much on that

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00:14:08,360 --> 00:14:10,920
day, then I won't be spending
that on that day, you know,

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00:14:10,920 --> 00:14:12,800
Like, yeah.
No, that's good.

247
00:14:12,800 --> 00:14:14,200
Those are the checks and
balances.

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00:14:14,200 --> 00:14:16,000
We kind of want to build that
mindset.

249
00:14:16,000 --> 00:14:19,680
So I never want to judge anyone
on how they spend their money.

250
00:14:20,160 --> 00:14:23,560
I want to give them the tools so
that they can make that decision

251
00:14:23,600 --> 00:14:26,160
and so that they realize if
they're choosing to purchase A,

252
00:14:26,160 --> 00:14:28,880
they're kind of saying no to B,
right?

253
00:14:28,880 --> 00:14:33,000
So money is a limited resource
for everybody, no matter if you

254
00:14:33,000 --> 00:14:34,840
make a lot of it or you make a
little of it.

255
00:14:34,840 --> 00:14:37,080
And so it's how you use that
resource.

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00:14:37,080 --> 00:14:38,960
And so I'm just trying to bring
awareness.

257
00:14:39,840 --> 00:14:43,120
Also, when you're on tour, you
may be compensated well.

258
00:14:43,120 --> 00:14:47,040
So that check is hitting your
checking account and you feel

259
00:14:47,040 --> 00:14:50,160
relief, right?
So for that period of time,

260
00:14:50,160 --> 00:14:54,880
maybe you feel like you can be a
little bit looser, let you know,

261
00:14:54,880 --> 00:14:58,280
not really pay as attention as
much or you're exhausted and you

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00:14:58,280 --> 00:15:01,440
have no time to pay attention.
So you're kind of just you're

263
00:15:01,440 --> 00:15:06,080
going with it and then you know,
when the winter starts or maybe

264
00:15:06,080 --> 00:15:10,400
you don't have shows for two
months or whatnot that that

265
00:15:10,400 --> 00:15:12,440
feast and famine kind of sets
in.

266
00:15:12,760 --> 00:15:15,200
Maybe not extreme, but maybe it
does.

267
00:15:15,200 --> 00:15:19,480
And so my goal is to kind of
build that stability and figure

268
00:15:19,480 --> 00:15:21,600
out, well, what does life cost
you every month?

269
00:15:21,640 --> 00:15:24,960
And let's back the income in.
Let's just figure out what you

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00:15:24,960 --> 00:15:26,840
need first.
Yep.

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00:15:27,240 --> 00:15:30,280
And I suppose, you know, I mean,
look, I, I have been in depth

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00:15:30,400 --> 00:15:33,760
years like years ago, I have
been in depth and it was one

273
00:15:33,760 --> 00:15:38,120
thing.
It was the the stress it puts on

274
00:15:38,160 --> 00:15:41,440
myself.
I never ever I managed to get

275
00:15:41,440 --> 00:15:45,080
myself out of it.
I was proud of that, but I never

276
00:15:45,080 --> 00:15:49,960
wanted to be in that position
again because like for me, you

277
00:15:49,960 --> 00:15:52,120
do have to pay it back.
You know, you might think you

278
00:15:52,120 --> 00:15:54,440
didn't or you pay the interest
or you pay something.

279
00:15:54,440 --> 00:15:57,360
But that mentally for me at
this, that moment, I mean, it's

280
00:15:57,360 --> 00:16:03,200
good 20 years ago now, but the
stress it put on and me, I

281
00:16:03,200 --> 00:16:06,000
thought of everybody through
COVID, I was very lucky.

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00:16:06,040 --> 00:16:08,760
I didn't have a lot of money.
Like I really didn't have a lot

283
00:16:08,760 --> 00:16:12,640
of money at at this point, but I
wasn't in debt.

284
00:16:13,360 --> 00:16:16,920
And that is the only thing that
I was like, thank goodness,

285
00:16:16,960 --> 00:16:20,640
Like, but then I also when I
came out of COVID, I was in debt

286
00:16:20,640 --> 00:16:22,800
again because there was no way,
OK.

287
00:16:22,800 --> 00:16:25,480
I borrowed from like my mom.
You can't really say it's debt,

288
00:16:25,480 --> 00:16:27,280
but you still owe money, you
know?

289
00:16:27,560 --> 00:16:30,760
I still put it on our sheet,
even if it's zero percent, if

290
00:16:30,760 --> 00:16:33,320
you borrow from a family or
friend, it still goes on our

291
00:16:33,320 --> 00:16:36,240
kind of like organizational
sheet, yeah.

292
00:16:36,520 --> 00:16:38,960
And I and I pay it back, you
know, it's not like, you know, I

293
00:16:38,960 --> 00:16:41,520
didn't.
So, you know, that to me is just

294
00:16:41,520 --> 00:16:43,680
that she didn't charge me
interest, you know?

295
00:16:43,880 --> 00:16:47,400
But right.
But at the same time, you know,

296
00:16:47,400 --> 00:16:50,480
that pressure, that everything.
And I said I didn't.

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00:16:50,680 --> 00:16:55,360
I haven't worked since COVID,
like in the touring industry on

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00:16:55,360 --> 00:16:58,680
tour.
So we know it's good money.

299
00:16:58,800 --> 00:17:01,400
But you're right, it's very easy
to spend that money.

300
00:17:01,600 --> 00:17:05,680
You know, it's very easy to be
on tour and, you know, you want

301
00:17:05,680 --> 00:17:08,000
to do something or even paint a
round of drinks.

302
00:17:08,000 --> 00:17:11,040
I mean, in a hotel.
We get put up in great hotels

303
00:17:11,040 --> 00:17:13,599
and you buy these rounds and you
get taken away.

304
00:17:13,599 --> 00:17:15,319
Like, oh, yeah, I've got the
money, you've got this.

305
00:17:15,319 --> 00:17:18,200
But maybe, maybe we don't
actually have the money, you

306
00:17:18,200 --> 00:17:19,119
know?
Right.

307
00:17:19,119 --> 00:17:22,000
Well, you have the money in the
moment, probably in a lot of

308
00:17:22,000 --> 00:17:25,480
cases, but what you haven't
thought about possibly is like

309
00:17:25,480 --> 00:17:28,160
what you needed those funds for
in the future.

310
00:17:28,560 --> 00:17:32,440
So we get a dopamine hit when we
spend, and we don't get that

311
00:17:32,440 --> 00:17:35,920
same feeling when we save.
So when we delay our

312
00:17:35,920 --> 00:17:39,560
gratification, it's like just
not as exciting for most people.

313
00:17:39,560 --> 00:17:41,880
Now, some people love looking at
their savings account, but for

314
00:17:41,880 --> 00:17:45,680
the most part, spending brings
us joy.

315
00:17:46,840 --> 00:17:49,560
It can.
And so first of all, I have a

316
00:17:49,560 --> 00:17:51,880
little saying.
It's not my saying, but I use

317
00:17:51,880 --> 00:17:53,320
it.
It's called halt.

318
00:17:53,360 --> 00:17:56,800
So don't make a purchase when
you're hungry, angry, lonely, or

319
00:17:56,800 --> 00:17:59,720
tired, which is probably a lot
of touring.

320
00:18:02,400 --> 00:18:06,840
So I like to kind of help people
build in a pause.

321
00:18:06,840 --> 00:18:10,640
Maybe it's taking your credit
cards off of online so that you

322
00:18:10,640 --> 00:18:13,440
would have to physically get up
and go get your credit card if

323
00:18:13,440 --> 00:18:17,400
you want to buy something.
Marketers are smart these days.

324
00:18:17,400 --> 00:18:21,600
So if we're looking and we don't
buy like it's showing up in our

325
00:18:21,600 --> 00:18:24,960
Instagram feed, it's coming in
an e-mail, like they're kind of

326
00:18:24,960 --> 00:18:27,720
relentless that they're kind of
they're pushing our buttons.

327
00:18:27,880 --> 00:18:32,040
And if we're feeling any of
those feelings, we're having

328
00:18:32,040 --> 00:18:34,680
all, you know, having a hard
time or we're missing family or

329
00:18:34,680 --> 00:18:37,960
we're not feeling included or
we're exhausted.

330
00:18:37,960 --> 00:18:42,160
And you know, like there's so
much and and it could lead us to

331
00:18:42,160 --> 00:18:45,640
spend to get us to feel a little
better in the moment.

332
00:18:46,480 --> 00:18:50,680
So I really like to talk to
people before they've kind of

333
00:18:50,680 --> 00:18:53,840
hit the road on those big tours
so we can make a plan.

334
00:18:53,840 --> 00:18:56,280
Tell me about all the things
that are coming up that you want

335
00:18:56,280 --> 00:18:57,920
to do.
You want to go on a vacation

336
00:18:57,920 --> 00:19:00,160
with a loved 1.
You want to have time for the

337
00:19:00,160 --> 00:19:04,000
holidays and fun set aside.
So January you're not going into

338
00:19:04,000 --> 00:19:06,080
debt.
You've already kind of saved the

339
00:19:06,080 --> 00:19:08,480
pile of money that you need for
holiday time.

340
00:19:08,480 --> 00:19:11,680
So kind of all that forward
thinking that we don't always

341
00:19:11,680 --> 00:19:14,280
have a lot of time or we might
not have somebody that helps us

342
00:19:14,280 --> 00:19:17,040
kind of get there.
Yeah, and I don't think we

343
00:19:17,160 --> 00:19:22,200
really ever had had this, yeah,
this training, this, this, this

344
00:19:22,200 --> 00:19:26,640
guidance, you know, even at
school, you know, for what we

345
00:19:26,640 --> 00:19:31,480
don't get this proper guidance
on how to manage our money.

346
00:19:31,480 --> 00:19:34,760
And, and the same thing I've
been terrible like previous

347
00:19:34,760 --> 00:19:37,640
years in spending the money.
Then also on the tax bill comes

348
00:19:37,640 --> 00:19:40,280
in, I'm like, oh, I
underestimated that, you know,

349
00:19:40,280 --> 00:19:42,320
hey.
And that's, you know, I think

350
00:19:42,320 --> 00:19:44,240
for most tourists, that's,
that's a big thing.

351
00:19:44,240 --> 00:19:47,080
I know a lot of people that know
exactly what they have in their

352
00:19:47,080 --> 00:19:50,400
bank account to the penny.
I don't, I just see a number of

353
00:19:50,400 --> 00:19:55,160
it's roughly how it should be.
That's that's good for me, which

354
00:19:55,160 --> 00:19:58,920
is probably terrible.
Well, I was going to coach you

355
00:19:59,000 --> 00:20:02,720
and say that it's actually not
about what's sitting in your

356
00:20:02,720 --> 00:20:04,480
checking account.
That's the thing.

357
00:20:04,960 --> 00:20:09,040
It's have you taken the time
like so yes and no.

358
00:20:09,040 --> 00:20:13,280
So like if you move in, let's
say you need $5000 a month and

359
00:20:13,280 --> 00:20:16,560
you move in $5000 at the top of
the month and you pay all your

360
00:20:16,560 --> 00:20:20,360
expenses, that's great.
But if you're only paying your

361
00:20:20,360 --> 00:20:24,040
fixed and recurring expenses.
And and your credit card, so

362
00:20:24,040 --> 00:20:27,280
like your day-to-day spending,
you're not taking into account

363
00:20:27,280 --> 00:20:33,000
that non monthly random stuff.
So either we need to be setting

364
00:20:33,000 --> 00:20:36,680
aside a bulk amount every month
that goes straight into savings.

365
00:20:36,680 --> 00:20:40,200
So when the car breaks down, you
want to take a trip, you need,

366
00:20:40,200 --> 00:20:42,520
you have an emergency, you have
that money.

367
00:20:42,880 --> 00:20:45,720
Or we can even be more
intentional and set some of

368
00:20:45,720 --> 00:20:48,320
those goals and savings buckets
up ahead of time.

369
00:20:48,320 --> 00:20:51,200
So you're funding those every
month, even if they're not

370
00:20:51,200 --> 00:20:55,080
happening every month?
Yes, and that's that's yeah,

371
00:20:55,080 --> 00:20:58,640
that's that that is the that is
the way and I and I'm terrible.

372
00:20:58,760 --> 00:21:00,560
Like I don't have that savings
account.

373
00:21:00,560 --> 00:21:03,160
I just have the like I said the
in my check here.

374
00:21:03,160 --> 00:21:05,400
Like that's what I see that's
what I'm happy with.

375
00:21:05,760 --> 00:21:08,720
But I also know that like my
outgoings are very minimal here,

376
00:21:09,880 --> 00:21:12,560
you know, I know I'm super lucky
there's other people that have

377
00:21:12,560 --> 00:21:15,240
got the mortgages, they've got
things to pay out.

378
00:21:15,560 --> 00:21:20,720
So for my general expenses,
every month, it's it's basically

379
00:21:20,720 --> 00:21:23,960
just an electricity bill.
So I, I know I'm super lucky,

380
00:21:25,240 --> 00:21:28,920
but it still means, you know,
there's a tax to pay after

381
00:21:28,920 --> 00:21:32,400
there's this, there's that.
Yeah.

382
00:21:32,520 --> 00:21:37,120
And I think that's, yeah, that's
just a a no.

383
00:21:37,800 --> 00:21:39,760
No, I get it.
And everybody's situation is a

384
00:21:39,760 --> 00:21:42,480
little bit different.
I always try to start with like,

385
00:21:42,840 --> 00:21:46,760
are your critical needs met?
Like so are, are you able to run

386
00:21:46,760 --> 00:21:49,920
your daily life right now?
Like, so we start there because

387
00:21:49,920 --> 00:21:53,440
if I start talking to you about
retirement 30 years from now and

388
00:21:53,440 --> 00:21:58,160
we haven't figured out now, no,
your brain can't go there,

389
00:21:58,160 --> 00:22:00,120
right?
Like we're in survival mode,

390
00:22:00,120 --> 00:22:01,520
we're trying to pay rent,
whatever.

391
00:22:01,840 --> 00:22:05,400
So we need to make sure that we
have this, this system working.

392
00:22:05,760 --> 00:22:08,840
And then once you feel like your
month, month is feeling pretty

393
00:22:08,840 --> 00:22:11,080
good, we can bump that time
horizon out.

394
00:22:11,320 --> 00:22:14,840
Because unfortunately, in this
industry, in America at least,

395
00:22:15,240 --> 00:22:19,160
there's no, for the most part,
some bands have it, but for the

396
00:22:19,160 --> 00:22:21,720
most part, there's no retirement
and no health insurance.

397
00:22:21,720 --> 00:22:25,840
So those are big expenses.
And it's hard to be a self

398
00:22:25,840 --> 00:22:28,600
advocate in those categories.
And we need to be.

399
00:22:28,960 --> 00:22:32,680
So there's a lot of education
and support needed there too, to

400
00:22:32,680 --> 00:22:36,760
kind of help people help
themselves down the road.

401
00:22:37,440 --> 00:22:40,560
I suppose as well, because with
anybody in the touring industry,

402
00:22:40,560 --> 00:22:43,360
one minute you've got a job and
then like you said, then you

403
00:22:43,360 --> 00:22:45,560
don't, then you do, then you
don't, then you do.

404
00:22:45,600 --> 00:22:47,440
That in itself is a roller
coaster.

405
00:22:47,920 --> 00:22:51,720
So to actually manage OK, for
the next two months I've got X

406
00:22:51,720 --> 00:22:54,960
amount coming in, but then I
don't know when my next job is.

407
00:22:54,960 --> 00:22:57,320
Some people are very lucky.
They've got back-to-back tours.

408
00:22:57,560 --> 00:22:59,600
I don't know if that's lucky.
I don't know if that's lucky or

409
00:22:59,600 --> 00:23:03,080
unlucky, but you know,
back-to-back tours, but the same

410
00:23:03,080 --> 00:23:07,080
thing.
They, how much money do you set

411
00:23:07,080 --> 00:23:09,760
aside?
Are you setting aside more?

412
00:23:09,760 --> 00:23:12,920
I mean, I've always said to him,
I don't know if this is right.

413
00:23:12,920 --> 00:23:16,560
I'm just, I'm asking you online
to the world now, Like I always

414
00:23:16,560 --> 00:23:20,720
say, as long as I have enough
for basically another year.

415
00:23:21,080 --> 00:23:24,080
So I'm like a year ahead.
That's amazing.

416
00:23:24,760 --> 00:23:27,160
Let's say my savings.
Let's say my savings.

417
00:23:27,560 --> 00:23:32,000
If I don't have any work as of
now, I have enough for a year to

418
00:23:32,000 --> 00:23:34,720
survive.
I mean, that's incredible.

419
00:23:34,720 --> 00:23:39,680
So in in general kind of
personal finance cookie cutter

420
00:23:39,680 --> 00:23:42,560
advice is we want three to six
months in savings.

421
00:23:42,920 --> 00:23:46,240
So three months of our living
expenses if we're in a dual

422
00:23:46,240 --> 00:23:49,520
income household.
We're six months of expenses if

423
00:23:49,520 --> 00:23:53,160
we're the only provider.
However, in the music industry,

424
00:23:53,960 --> 00:23:57,720
I love when people want to bump
that time frame out just because

425
00:23:57,720 --> 00:24:00,800
it takes the pressure off.
And if we can take the pressure

426
00:24:00,800 --> 00:24:05,080
off, I've seen a lot of clients
just really always be hustling

427
00:24:05,080 --> 00:24:08,640
for the next gig because
lifestyle creep has kind of

428
00:24:08,640 --> 00:24:10,920
gotten them a little bit.
So everything has been a little

429
00:24:10,920 --> 00:24:13,040
bit more expensive.
So expensive.

430
00:24:13,040 --> 00:24:16,600
So now their monthly expenses
that they're obligated to is a

431
00:24:16,600 --> 00:24:19,200
little high.
And so in order to keep up with

432
00:24:19,200 --> 00:24:21,680
that, like you have to find the
next gig, right?

433
00:24:21,680 --> 00:24:25,000
Like it's not an, an option.
And I like to use money as a

434
00:24:25,000 --> 00:24:28,640
tool to buy us options.
And so if you have that bigger

435
00:24:28,640 --> 00:24:31,800
savings account, you might not
have to take the gig you don't

436
00:24:31,800 --> 00:24:34,480
want to take.
You might be able to take a

437
00:24:34,480 --> 00:24:37,440
month and enjoy the time off
rather than being super

438
00:24:37,440 --> 00:24:38,960
stressed.
Now I understand that's like in

439
00:24:38,960 --> 00:24:43,680
a perfect world and emotions and
mental health and just the gig

440
00:24:43,680 --> 00:24:46,480
economy plays into it.
And sometimes you just don't,

441
00:24:46,560 --> 00:24:49,560
it's just too worrisome to know
where the next gig is coming

442
00:24:49,560 --> 00:24:51,280
from.
So it really plays with

443
00:24:51,280 --> 00:24:56,440
everybody's emotions, the
industry, but having that fund

444
00:24:56,560 --> 00:25:00,480
it's it's just so positive.
But getting their people there

445
00:25:00,480 --> 00:25:04,280
is is sometimes hard.
I said I'd probably, you know, 1

446
00:25:04,280 --> 00:25:07,040
tour a year.
That's what I would, I would be

447
00:25:07,040 --> 00:25:10,200
very happy with is 1 tour a
year, you know, for a month or

448
00:25:10,200 --> 00:25:14,240
two, you know, that's, that's
just like perfect, because I've

449
00:25:14,240 --> 00:25:16,400
still got this.
So I've, I've still got like my,

450
00:25:16,480 --> 00:25:18,560
let's say my passive income
coming in, but that's like a

451
00:25:18,560 --> 00:25:24,800
booster and that always helps.
Even now I'm worried about next

452
00:25:24,800 --> 00:25:26,200
year.
Or do you think I'll get a job?

453
00:25:27,600 --> 00:25:31,760
I've even just openly said for
one tour a year, I'm I'd be

454
00:25:31,760 --> 00:25:34,440
happy.
My, my, my, my brain is like,

455
00:25:34,440 --> 00:25:36,160
oh, but what about if I don't,
what would I do?

456
00:25:37,240 --> 00:25:41,680
It's just a mentally such roller
coaster in this industry.

457
00:25:42,240 --> 00:25:45,400
But you, you know, they can't
say, OK, yes, we want you for

458
00:25:45,400 --> 00:25:47,480
this tour or, or whatever it
might be.

459
00:25:50,200 --> 00:25:52,960
I love what you're doing really.
And just talking to you.

460
00:25:52,960 --> 00:25:57,360
I can just just feel that, you
know that you can people could

461
00:25:57,360 --> 00:26:00,760
be honest with you and say, this
is what I've got.

462
00:26:00,760 --> 00:26:02,560
This is my debt, this is my
worry.

463
00:26:02,880 --> 00:26:07,160
How can we, how can I sort,
sort, sort this out?

464
00:26:07,160 --> 00:26:09,760
And I think having somebody
there as a guidance, you also

465
00:26:09,760 --> 00:26:11,280
don't want to let that person
down.

466
00:26:11,280 --> 00:26:13,280
I know it should be about.
Each.

467
00:26:14,000 --> 00:26:18,520
Person like, I know that, but if
I've got somebody that's guiding

468
00:26:18,520 --> 00:26:22,840
me in the right direction and
I'm checking in with them, I

469
00:26:22,840 --> 00:26:27,440
don't want to let you down.
I know that feeling and I I went

470
00:26:27,440 --> 00:26:29,520
to a show and people are coming
up to me and they're like,

471
00:26:29,520 --> 00:26:31,240
Rachel, I paid my credit card
off.

472
00:26:31,240 --> 00:26:34,880
You know, I was so excited, but
it was so funny that that was

473
00:26:34,880 --> 00:26:40,120
the hallway talk.
But yeah, I'm, I'm here to help

474
00:26:40,120 --> 00:26:41,880
people be accountable to
themselves.

475
00:26:42,000 --> 00:26:44,600
So it's really hard to step up
for yourself.

476
00:26:44,600 --> 00:26:47,680
I meet a lot of people that are
really paralyzed.

477
00:26:48,080 --> 00:26:49,440
They don't want to open the
mail.

478
00:26:49,440 --> 00:26:50,720
They don't want to look at the
bills.

479
00:26:50,720 --> 00:26:52,520
They don't, they know they have
the debt.

480
00:26:52,560 --> 00:26:54,480
They don't want to look and see
what it is.

481
00:26:55,760 --> 00:26:59,440
But by not looking, we're not
making it any better.

482
00:27:00,400 --> 00:27:01,680
We're actually probably making
it worse.

483
00:27:01,680 --> 00:27:05,760
So let's look together, right?
Like I'm here to help you help

484
00:27:05,760 --> 00:27:07,880
yourself.
And that's been incredibly

485
00:27:07,880 --> 00:27:09,880
rewarding.
And I just have a quick story to

486
00:27:09,880 --> 00:27:13,280
say from one of my mini sessions
from some of the tour

487
00:27:13,280 --> 00:27:14,760
rehearsals.
One thing came up.

488
00:27:15,160 --> 00:27:17,880
Someone showed me kind of where
their money was going.

489
00:27:17,880 --> 00:27:21,480
And I noticed that their car
loan was very high compared to

490
00:27:21,480 --> 00:27:25,040
what their salary was.
And so I just said, can I see

491
00:27:25,040 --> 00:27:27,680
the statement for your financing
of your car?

492
00:27:28,120 --> 00:27:31,480
And the person showed it to me
and I was like, Oh my goodness,

493
00:27:31,520 --> 00:27:36,400
you are paying 26% car loan
interest, which I've never seen

494
00:27:36,400 --> 00:27:39,200
ever.
So, you know, back in the day,

495
00:27:39,200 --> 00:27:42,960
you could get 0% financing.
Nowadays you're talking, you

496
00:27:42,960 --> 00:27:45,680
know, maybe 4 or 5%.
And then if your credit score is

497
00:27:45,680 --> 00:27:48,560
not great, maybe you're in the
13 percent or whatnot.

498
00:27:48,800 --> 00:27:52,040
But I've never seen 26%.
And I don't know if this person,

499
00:27:52,360 --> 00:27:55,520
you know, got talked into an
introductory offer and they said

500
00:27:55,600 --> 00:28:00,240
I grew up in poverty, Nobody
showed me the way, my car died

501
00:28:00,360 --> 00:28:02,120
and I needed to go get something
quickly.

502
00:28:02,520 --> 00:28:06,080
And so during the session, we
were able to refinance the car

503
00:28:06,080 --> 00:28:11,120
loan for 5% and we saved $30,000
over the course of the loan.

504
00:28:11,120 --> 00:28:15,360
So I was like, Oh my goodness,
like in just a 30 minute

505
00:28:15,360 --> 00:28:17,280
session, like I couldn't believe
it.

506
00:28:17,320 --> 00:28:20,440
And so that makes it all worth
it.

507
00:28:20,440 --> 00:28:24,400
Like even if sometimes I'm not
sure, to me that is super

508
00:28:24,400 --> 00:28:27,240
impactful and this person has
somebody in their corner.

509
00:28:27,800 --> 00:28:29,960
Seriously.
And that and just by notes it

510
00:28:29,960 --> 00:28:33,800
because they didn't open it, you
know, open and see and check

511
00:28:33,800 --> 00:28:35,320
everything.
I mean, my mom's forever telling

512
00:28:35,320 --> 00:28:36,560
me say look at this, look at
this.

513
00:28:36,560 --> 00:28:39,440
And I'm like, Oh yeah.
And I am, I'm not.

514
00:28:39,480 --> 00:28:41,240
I am.
I'm one of those people, you

515
00:28:41,240 --> 00:28:45,240
know, and.
I check your interest rates, no.

516
00:28:45,240 --> 00:28:47,880
And if you need strategies for
paying off debt, there are

517
00:28:47,880 --> 00:28:50,720
calculators I can send you.
So if you want to try to do it

518
00:28:50,720 --> 00:28:52,760
on your own and you just need
something, please feel free to

519
00:28:52,760 --> 00:28:54,400
reach out to me because.
Yeah, no, I'm.

520
00:28:54,400 --> 00:28:56,120
Happy.
I have.

521
00:28:56,120 --> 00:29:00,480
I think I learned a lot through
no, it was through COVID and

522
00:29:00,480 --> 00:29:04,280
that it was that I want to make
sure that I have I mean, I'm

523
00:29:04,280 --> 00:29:06,560
good for a year.
That was that was always what I

524
00:29:06,560 --> 00:29:11,680
came out of COVID knowing.
And even now I think I've

525
00:29:11,680 --> 00:29:15,040
mentioned to you the the last
time when we, we kind of tried

526
00:29:15,040 --> 00:29:18,560
to have a chat.
My, my motto for my life is

527
00:29:18,560 --> 00:29:20,240
wanting isn't the same as
needing.

528
00:29:20,880 --> 00:29:25,680
So for me, before I think, do I
really do I really want that,

529
00:29:25,920 --> 00:29:28,960
you know, Oh, sorry, do I really
need that, you know, is.

530
00:29:29,000 --> 00:29:32,000
It just.
I want that and really, I mean,

531
00:29:32,000 --> 00:29:35,240
I've still got really we could
do with a new car, like my

532
00:29:35,240 --> 00:29:38,560
little car, it was given given
to me 8 years ago here.

533
00:29:38,920 --> 00:29:42,200
It's still running.
Is it the best for me?

534
00:29:42,200 --> 00:29:43,960
It is.
Could we do with a new one?

535
00:29:43,960 --> 00:29:46,720
Probably.
But I'm like until I run that,

536
00:29:46,920 --> 00:29:48,920
you know, I look after it all
the rest of it.

537
00:29:49,280 --> 00:29:50,760
We don't need it.
We don't need it.

538
00:29:50,760 --> 00:29:53,440
We want but we don't.
We don't need it.

539
00:29:53,440 --> 00:29:54,800
We've got one.
Right.

540
00:29:54,800 --> 00:29:59,400
And that's a good example of,
of, of that another way that I

541
00:29:59,400 --> 00:30:02,440
look at it and it's not quite
relatable with that example, but

542
00:30:02,440 --> 00:30:05,920
with eating out.
So a lot of people, a lot of

543
00:30:05,920 --> 00:30:09,840
money goes to food.
And so rather than it be a want

544
00:30:09,840 --> 00:30:13,080
and a need, I actually, I've, I
learned from a behavioral

545
00:30:13,560 --> 00:30:17,440
economist that behind your
feelings of want, there's

546
00:30:17,440 --> 00:30:21,360
actually a need.
So if you want to go out to

547
00:30:21,360 --> 00:30:25,480
restaurants and, and be there
and have the meals and all of

548
00:30:25,480 --> 00:30:29,360
that, do you really want to
spend $150 at the dinner?

549
00:30:29,600 --> 00:30:32,200
Or is there a need that you're
trying to fulfill?

550
00:30:32,200 --> 00:30:34,600
And that need might be
socialization.

551
00:30:34,600 --> 00:30:38,240
That need might be, I'm on tour
all the time and I'm secluded

552
00:30:38,240 --> 00:30:40,520
and now I want to be out and
with people.

553
00:30:40,520 --> 00:30:43,720
And, you know, so if you can
kind of figure out what The

554
00:30:43,720 --> 00:30:47,040
thing is that you're trying to
satisfy, there might be another

555
00:30:47,040 --> 00:30:51,160
strategy for getting there
rather than spending the $150 on

556
00:30:51,160 --> 00:30:53,720
the meal.
Is it that you do when you come

557
00:30:53,720 --> 00:30:56,840
home, let 4 of you go out and,
and, and reconnect?

558
00:30:56,840 --> 00:30:59,760
Could you do a potluck?
Could you turn that into

559
00:30:59,760 --> 00:31:04,920
exercise or an activity that you
know is taking care of yourself

560
00:31:04,920 --> 00:31:08,280
care and satisfying kind of the
socialization.

561
00:31:08,640 --> 00:31:13,880
So kind of figuring out what's
behind that and and kind of

562
00:31:13,880 --> 00:31:19,080
addressing that, that can
sometimes help us I'm. 100%

563
00:31:19,200 --> 00:31:23,520
behind everything you've said
just then, because for us, we

564
00:31:23,680 --> 00:31:26,920
same thing, you know, we live in
like small house in a local

565
00:31:26,920 --> 00:31:29,440
village.
And sometimes I get like, oh, I

566
00:31:29,440 --> 00:31:31,120
need to go out, I need to go
out.

567
00:31:31,120 --> 00:31:33,200
And you know, that's when
obviously we go out.

568
00:31:33,640 --> 00:31:36,120
And recently, because it's the
summer season here, lots of

569
00:31:36,120 --> 00:31:38,880
people, they're working in the,
the restaurants, the bars of

570
00:31:38,880 --> 00:31:39,840
this.
So where do we go?

571
00:31:39,840 --> 00:31:41,480
We go to see them in these
places.

572
00:31:42,320 --> 00:31:45,400
OK, so we eat, we get normally a
good price cheaper here than

573
00:31:45,400 --> 00:31:46,800
America.
I would right?

574
00:31:46,800 --> 00:31:51,320
Yeah, it is.
But now even here, I mean,

575
00:31:51,400 --> 00:31:54,160
yesterday we actually, we went
out and we, we had a Greek

576
00:31:54,160 --> 00:31:57,520
salad, but it was so big with
this big chunk of feta.

577
00:31:57,520 --> 00:32:01,280
And I looked at my husband and I
said we can't even buy these

578
00:32:01,320 --> 00:32:04,520
green ingredients for less than
what it that just cost.

579
00:32:04,520 --> 00:32:07,520
It was €6 for this big.
Gosh, wow.

580
00:32:08,120 --> 00:32:12,960
It was, it was crazy, but here
in Greece you buy a a chunk of

581
00:32:12,960 --> 00:32:15,000
cheese now it's like €15 I
think.

582
00:32:15,720 --> 00:32:18,200
It's.
Cheaper for us to come out and

583
00:32:18,200 --> 00:32:21,960
eat and actually do a little bit
of socializing than it is for us

584
00:32:21,960 --> 00:32:25,160
to cook at home.
OK, we do do cook at home as

585
00:32:25,160 --> 00:32:28,920
well because it's obviously I'm,
I'm not saying that it's cheaper

586
00:32:28,960 --> 00:32:34,440
outside, but but then I realized
that it was just I needed to get

587
00:32:34,440 --> 00:32:36,400
out.
So we do a lot of walking

588
00:32:36,400 --> 00:32:38,440
anyway.
And I said, well, why don't next

589
00:32:38,440 --> 00:32:40,080
time, you know, we just go for a
walk.

590
00:32:40,080 --> 00:32:41,400
We have a coffee.
We do this.

591
00:32:41,400 --> 00:32:44,720
So it's changing exactly what
you said, your need.

592
00:32:45,160 --> 00:32:47,720
You don't necessarily have to
spend the money.

593
00:32:48,040 --> 00:32:50,960
You can be, you can find that
balance.

594
00:32:50,960 --> 00:32:53,880
You've just got to work out what
it is your desire.

595
00:32:53,880 --> 00:32:59,000
Kind of feel right, yeah.
And I mean, I always, again, for

596
00:32:59,000 --> 00:33:02,960
many years, the way that not
just in the touring world, but

597
00:33:03,320 --> 00:33:07,560
the world in general and people
working, we're working so fast

598
00:33:07,560 --> 00:33:12,200
that these damn mobile phones
are just zapping our brains for,

599
00:33:12,640 --> 00:33:17,640
OK, I'm going to flick and, you
know, not sit down and read a

600
00:33:17,640 --> 00:33:21,520
book instead of reading a book
because that does take time.

601
00:33:21,520 --> 00:33:24,320
And people are generally too
tired, like, oh, you know, maybe

602
00:33:24,320 --> 00:33:26,440
I'm too tired to read the book.
So they go watch a movie.

603
00:33:27,480 --> 00:33:32,520
And so the we're changing with
for me, it's just taking a

604
00:33:32,520 --> 00:33:36,000
slower pace if we can, you know,
we don't have kids.

605
00:33:36,000 --> 00:33:40,080
So, you know, my friends with
kids, all the rest of it, I see

606
00:33:40,080 --> 00:33:41,520
them.
And sometimes I can see the

607
00:33:41,520 --> 00:33:46,120
struggle, you know, because
you've got to keep keep up with

608
00:33:46,120 --> 00:33:50,200
everything and still have time
for yourself.

609
00:33:50,280 --> 00:33:53,840
And that's when people go to buy
things from from my opinion.

610
00:33:54,560 --> 00:33:56,520
Yeah.
Things like go to the shops,

611
00:33:56,520 --> 00:34:01,920
they buy a new outfit, makes
them feel really good that.

612
00:34:01,920 --> 00:34:04,920
Especially, yeah.
And I've seen it when people

613
00:34:04,920 --> 00:34:10,679
come home from tour.
So I've seen people overspend in

614
00:34:10,679 --> 00:34:15,760
housing because tour doesn't
provide stability, but their

615
00:34:15,760 --> 00:34:18,639
home does.
And so they feel that even

616
00:34:18,639 --> 00:34:21,440
though they're not in their home
a lot, that, that that gives

617
00:34:21,440 --> 00:34:23,440
them a sense of stability, which
they need.

618
00:34:24,159 --> 00:34:27,600
But it's funny because it costs
a lot of money to not be in it,

619
00:34:27,600 --> 00:34:29,679
right?
And then if you buy furnishings

620
00:34:29,679 --> 00:34:32,920
for it now.
So I've seen people be creative

621
00:34:32,920 --> 00:34:36,040
there.
I've also seen people put a lot

622
00:34:36,040 --> 00:34:39,920
of money into their cars.
Again, I'm working really hard.

623
00:34:39,920 --> 00:34:43,960
I deserve this, right?
So they want to have something

624
00:34:43,960 --> 00:34:48,639
to show for it.
And so if you can, again, not

625
00:34:48,639 --> 00:34:52,719
judging, just trying to reveal
what's kind of going on and can

626
00:34:52,719 --> 00:34:57,320
we come up with other ways for,
you know, you to feel confident

627
00:34:57,320 --> 00:35:02,120
and secure and loved and, you
know, proud of yourself and

628
00:35:02,120 --> 00:35:05,240
rewarded and all of that, right.
But I just want to make sure

629
00:35:05,240 --> 00:35:07,840
that we're checking kind of the
other boxes of financial

630
00:35:07,840 --> 00:35:10,200
Wellness.
And then if there's leftovers,

631
00:35:10,440 --> 00:35:12,960
by all means, right?
Like we don't need all of it to

632
00:35:12,960 --> 00:35:17,920
go into savings or for bills,
but we just need to make a plan.

633
00:35:18,760 --> 00:35:21,400
Yeah, I'm, I'm finding that
happy balance where you can

634
00:35:21,400 --> 00:35:25,320
spend a little and you're saving
some and you're paying

635
00:35:25,320 --> 00:35:27,880
everything.
So you are above.

636
00:35:27,880 --> 00:35:30,880
And I know, again, I'm not
judging, but I know a lot of

637
00:35:30,880 --> 00:35:35,720
people that are still in a lot
of debt and I often ask them how

638
00:35:35,720 --> 00:35:39,480
when you're always touring or
you're always working and

639
00:35:40,000 --> 00:35:43,120
they'll, they will be like,
well, we've got our house to pay

640
00:35:43,120 --> 00:35:44,680
for.
We've got this to pay for.

641
00:35:44,680 --> 00:35:46,520
We've got that.
And I still want to do stuff

642
00:35:46,520 --> 00:35:49,480
because I'm, it's the first time
I've come been to and I'm going

643
00:35:49,520 --> 00:35:52,600
to say New York.
So we want to touristy things

644
00:35:52,600 --> 00:35:55,840
and I'm not going to not do it.
And I understand all of that,

645
00:35:55,880 --> 00:36:03,920
you know, but it's that trying
to being in the red really,

646
00:36:03,920 --> 00:36:06,320
really messes with your brain.
Yeah.

647
00:36:06,680 --> 00:36:11,320
I'm also one that so I've I left
home at 18.

648
00:36:11,840 --> 00:36:14,400
Wow.
So like to travel.

649
00:36:14,400 --> 00:36:16,360
So I I've always wanted to
travel.

650
00:36:16,360 --> 00:36:19,160
I left when I was 18.
I haven't actually been back to

651
00:36:19,160 --> 00:36:21,160
live.
I'm 45 now.

652
00:36:22,200 --> 00:36:25,360
I've never been back.
But for the best part of let's

653
00:36:25,360 --> 00:36:29,400
say 20 years, yeah, 20 years, I
really didn't have anywhere to

654
00:36:29,400 --> 00:36:32,800
live.
I was always hopping from places

655
00:36:32,800 --> 00:36:36,160
or people let me stay places
because I was always away and I

656
00:36:36,160 --> 00:36:40,200
didn't see the point in paying
money for rent or for anything

657
00:36:40,200 --> 00:36:43,800
because I wasn't there.
As soon as I put down a little

658
00:36:43,800 --> 00:36:46,480
bit of roots, I mean, it was
later, I did.

659
00:36:46,480 --> 00:36:50,040
I felt brilliant.
I knew even when I was away, I

660
00:36:50,040 --> 00:36:54,360
was going back to my my home or
my room that I'd rented or

661
00:36:54,360 --> 00:36:55,560
something.
And it.

662
00:36:56,120 --> 00:36:59,680
Really did the the difference of
that was amazing.

663
00:36:59,920 --> 00:37:03,560
So if you have lots of people
that, you know, they're doing

664
00:37:03,560 --> 00:37:06,720
the same kind of thing, but
maybe they they have got the

665
00:37:06,720 --> 00:37:10,800
money to go buy a nice house or,
you know, then you're going to

666
00:37:10,800 --> 00:37:13,040
want to do it because like you
said, you deserve it.

667
00:37:13,040 --> 00:37:16,600
You deserve that, the niceties
when you come home.

668
00:37:17,520 --> 00:37:24,120
It just took me a lot of years
to yeah, to put it into a box

669
00:37:24,120 --> 00:37:26,400
that actually I did need
somewhere to live because I end

670
00:37:26,400 --> 00:37:27,760
up.
I was spending more money

671
00:37:28,400 --> 00:37:31,280
because I'd go to friends and
I'd take them out for meals and

672
00:37:31,280 --> 00:37:31,720
I'd.
Take them.

673
00:37:34,320 --> 00:37:35,960
Seriously.
And I'd be like, and it was and

674
00:37:35,960 --> 00:37:40,280
it really, it was years later, I
was like, I've just spent more

675
00:37:40,280 --> 00:37:43,640
money on this.
I mean, OK, this is this is

676
00:37:43,920 --> 00:37:47,200
totally, this is a different, a
different thing altogether.

677
00:37:47,200 --> 00:37:48,760
But it it kind of makes sense.
It will.

678
00:37:48,760 --> 00:37:51,680
I hope it makes sense to you.
So here in Greece, we don't have

679
00:37:51,680 --> 00:37:54,720
any recycling, OK.
The recycling doesn't really

680
00:37:54,720 --> 00:37:56,680
happen.
The local villages, it's just in

681
00:37:56,680 --> 00:38:01,240
one bin for years now.
I've been here for living here

682
00:38:01,240 --> 00:38:03,880
for 10 years now and it drives
me crazy.

683
00:38:04,640 --> 00:38:08,680
This summer.
There's like a big container in

684
00:38:08,720 --> 00:38:11,280
in our village.
It's the only one in the area.

685
00:38:11,800 --> 00:38:15,160
And you now can go and take your
plastic bottles and your glass

686
00:38:15,160 --> 00:38:17,920
bottles.
It crushes it and you get 3

687
00:38:17,920 --> 00:38:19,680
cents.
I mean, it's not about the

688
00:38:19,680 --> 00:38:22,240
money, but it's recycling.
Amazing.

689
00:38:22,840 --> 00:38:28,240
So me and my husband, we said
OK, why don't we actually like

690
00:38:29,280 --> 00:38:30,600
next door to our next door
neighbors.

691
00:38:30,600 --> 00:38:33,640
They haven't got a lot of money
and they they were going round

692
00:38:34,000 --> 00:38:37,160
like collecting like the they
came to us, the 2 little girls

693
00:38:37,160 --> 00:38:38,240
said oh can we take your
rubbish?

694
00:38:38,240 --> 00:38:40,520
I was like brilliant.
They've again a little bit of

695
00:38:40,560 --> 00:38:43,720
like, I know, incentive to
recycle, but also they, you

696
00:38:43,720 --> 00:38:46,400
know, they wanted the little 3
cent for the bottles kids.

697
00:38:47,160 --> 00:38:50,360
So I said to my husband, I said,
why don't we collect, you know,

698
00:38:50,480 --> 00:38:53,800
from our friends to Verdas and
bars because we go there, we'll

699
00:38:53,800 --> 00:38:56,160
collect the bags and you know,
we'll, we'll take them back.

700
00:38:56,680 --> 00:38:58,560
Yeah, brilliant.
Anyway, we've been doing it for

701
00:38:58,560 --> 00:39:00,760
about a month and it was this
morning.

702
00:39:01,040 --> 00:39:04,680
I hadn't really asked, you know,
how much, you know, there's this

703
00:39:04,680 --> 00:39:07,880
man next door gets and he went,
oh, he said, you know all that

704
00:39:07,960 --> 00:39:12,120
there was big sacks of, of the,
of, of the plastic bottles.

705
00:39:12,120 --> 00:39:17,520
He said, oh, he got like €15.
I said €15.

706
00:39:17,640 --> 00:39:19,960
I said I know we're doing it for
the environment.

707
00:39:19,960 --> 00:39:24,240
I said, but seriously my love, I
was like, we spend more money

708
00:39:24,680 --> 00:39:28,000
going to the tavernas to have a
coffee to collect their rubbish.

709
00:39:32,280 --> 00:39:36,120
I said driven there, you know,
we're seeing friends and we're

710
00:39:36,120 --> 00:39:40,000
thinking we're, we both thought
we was doing something nice.

711
00:39:40,000 --> 00:39:41,320
We thought we was doing.
The.

712
00:39:41,880 --> 00:39:46,160
Environment, We thought we was
helping, spreading the word to

713
00:39:46,160 --> 00:39:48,120
our friends.
Recycle.

714
00:39:48,120 --> 00:39:50,960
It's a good thing.
Some people still, Some people

715
00:39:50,960 --> 00:39:51,720
still.
I'm cotton on.

716
00:39:51,720 --> 00:39:53,280
Even this last month we go
there.

717
00:39:53,480 --> 00:39:55,600
Did you recycle?
Oh, I forgot, I just put it in

718
00:39:55,600 --> 00:39:58,920
the bin.
So we were trying to get more

719
00:39:58,920 --> 00:40:01,320
people to do it.
Right, right.

720
00:40:02,120 --> 00:40:04,960
But honestly, I said by the time
we bought a coffee, by the time

721
00:40:04,960 --> 00:40:07,080
we paid for the petrol, we've
come back here.

722
00:40:07,400 --> 00:40:11,200
This poor man next door is like,
anyway, I said I'd rather give

723
00:40:11,200 --> 00:40:16,160
him €50 a week.
That's really funny.

724
00:40:17,160 --> 00:40:20,640
And back to your story about the
housing, like so when I talk to

725
00:40:20,640 --> 00:40:25,080
people, I think if we didn't
grow up and had some kind of

726
00:40:25,080 --> 00:40:28,120
financial knowledge, one of
those things were, you know, we

727
00:40:28,120 --> 00:40:31,400
need the house check, we need
the car check.

728
00:40:31,640 --> 00:40:34,880
So like, we go down this list of
what we're supposed to do.

729
00:40:35,440 --> 00:40:40,960
And I think the touring industry
has room for thinking outside

730
00:40:40,960 --> 00:40:45,160
the box and so being creative
and not having to check the

731
00:40:45,160 --> 00:40:48,920
list.
And so I like to really talk to

732
00:40:48,920 --> 00:40:52,640
somebody before we even get into
numbers about what matters to

733
00:40:52,640 --> 00:40:54,640
you.
They're like, where do you want

734
00:40:54,640 --> 00:40:58,360
your money to go?
Do you want it for things you

735
00:40:58,360 --> 00:41:01,160
know?
Do you want it for experiences?

736
00:41:01,800 --> 00:41:04,840
Does family matter?
Does you know what matters?

737
00:41:04,840 --> 00:41:08,120
And then when we can kind of
pull out your top few

738
00:41:08,120 --> 00:41:11,600
priorities, we can look at your
money where it's gone.

739
00:41:11,640 --> 00:41:14,800
And you tell me, do you feel
like it's gone to the places you

740
00:41:14,800 --> 00:41:17,480
care about?
And so a lot of times there's a

741
00:41:17,480 --> 00:41:22,040
lot of opportunity just in
showing people that I don't

742
00:41:22,040 --> 00:41:26,480
really need to do the $150.00
Target run or the Amazon

743
00:41:26,480 --> 00:41:28,520
ordering because I get the
thing.

744
00:41:28,520 --> 00:41:31,320
And then I don't know, I don't
really use it or I use it once

745
00:41:31,320 --> 00:41:36,320
and I'm not that happy with it.
And so, you know, maybe just

746
00:41:36,320 --> 00:41:39,600
looking at your grocery spending
or your eating out category and

747
00:41:39,600 --> 00:41:42,600
cutting back 10% is really not a
big deal.

748
00:41:42,960 --> 00:41:47,680
Maybe you treat your meals as we
do it once a week, but we're

749
00:41:47,760 --> 00:41:51,080
it's not our default.
Maybe we decide that we're going

750
00:41:51,080 --> 00:41:54,400
to stock our freezer with things
that we love so that when we're

751
00:41:54,400 --> 00:41:57,160
hungry and tired and just coming
home, rather than ordering the

752
00:41:57,160 --> 00:42:00,560
DoorDash, we're going to look to
our pantry or our freezer first.

753
00:42:00,840 --> 00:42:02,680
But we have to set ourselves up
for success.

754
00:42:02,680 --> 00:42:06,800
So we have to have those things
in it, you know, so if we if we

755
00:42:06,800 --> 00:42:10,640
know that that's a trigger and
that will cause us to spend like

756
00:42:10,640 --> 00:42:14,040
just thinking ahead and like
kind of setting ourselves up for

757
00:42:14,040 --> 00:42:17,040
those things to have positive
experiences and.

758
00:42:17,640 --> 00:42:21,400
What would you say is like say a
small change somebody can do on

759
00:42:21,400 --> 00:42:26,160
tour that would make a
difference and make them feel in

760
00:42:26,160 --> 00:42:30,520
more control of their finance?
So like if you, everyone's

761
00:42:30,520 --> 00:42:34,120
different, but just something.
Yeah, sure.

762
00:42:34,120 --> 00:42:36,560
This one's actually easy because
it's not a thing.

763
00:42:36,800 --> 00:42:39,160
I just want people to track
their money.

764
00:42:39,480 --> 00:42:43,400
So it's not budgeting per SE.
I love having kind of a

765
00:42:43,400 --> 00:42:45,800
baseline.
Again, what do we need each

766
00:42:45,800 --> 00:42:47,760
month?
But if you track where your

767
00:42:47,760 --> 00:42:49,880
money's going, you're paying
attention.

768
00:42:49,880 --> 00:42:52,520
And paying attention is a great
first step.

769
00:42:53,200 --> 00:42:55,760
Yes, Yep.
Yeah.

770
00:42:56,040 --> 00:42:59,920
So it's rather than just keeping
it in the dark and you're just,

771
00:43:00,280 --> 00:43:03,080
and nowadays as well, it's
really easy because you've got,

772
00:43:03,560 --> 00:43:06,920
you're banking on your phone,
you've got a card, you just tap,

773
00:43:06,920 --> 00:43:09,720
tap, tap and you don't really
realize what you're spending.

774
00:43:10,720 --> 00:43:15,040
Right, they make it.
It is very easy, you know, to

775
00:43:15,040 --> 00:43:17,440
spend.
Super easy.

776
00:43:17,440 --> 00:43:21,440
I mean, same thing.
The last tour, I was very

777
00:43:21,440 --> 00:43:24,760
fortunate that my husband, he
came, he, we both did it

778
00:43:24,760 --> 00:43:27,080
together.
So we did the tour together, but

779
00:43:27,080 --> 00:43:30,160
it was the first time we were,
we were travelling around Europe

780
00:43:30,160 --> 00:43:33,200
together.
So I've been fortunate enough to

781
00:43:33,200 --> 00:43:36,440
go to lots of these places
already, but he hasn't and we

782
00:43:36,440 --> 00:43:39,800
haven't.
So to go there together, you

783
00:43:39,800 --> 00:43:42,320
know, we'd go for walks around,
we'd do everything, but then

784
00:43:42,320 --> 00:43:45,000
we'd find ourselves going, oh,
shall we have that lunch?

785
00:43:45,000 --> 00:43:48,720
Shall we have that beer?
And it got to one point, it was

786
00:43:48,720 --> 00:43:52,680
after say our first four days
off, I was like, OK, we're

787
00:43:52,680 --> 00:43:55,760
spending the, the like the daily
expensive money.

788
00:43:55,880 --> 00:43:58,960
I said, so we've saved.
We've, we've worked for three

789
00:43:58,960 --> 00:44:00,760
days.
So we've, that's, that's in the

790
00:44:00,760 --> 00:44:03,920
bank we've got today.
So I don't know whatever it was

791
00:44:03,920 --> 00:44:08,040
120 or whatever I said, so we've
got 240 if we want to spend

792
00:44:08,040 --> 00:44:10,520
today.
Well, some debt places were so

793
00:44:10,520 --> 00:44:13,280
damn expensive.
We spent that or whatever it

794
00:44:13,280 --> 00:44:16,440
was, we spent €100 that we had
each to spend.

795
00:44:17,120 --> 00:44:21,160
And I was like, did we really
enjoy that?

796
00:44:21,920 --> 00:44:25,560
Did we actually need it?
Could we have done something

797
00:44:25,560 --> 00:44:28,080
slightly different that we still
would have had fun, still had

798
00:44:28,080 --> 00:44:31,520
the experience that we wanted,
but without actually spending

799
00:44:31,520 --> 00:44:33,840
that money?
I said, because our whole

800
00:44:33,840 --> 00:44:40,760
intention is to come to see
Europe, to experience somewhere

801
00:44:40,760 --> 00:44:43,560
different apart from home, but
to take the money back home.

802
00:44:43,560 --> 00:44:46,200
So then we we are less stressed,
I said.

803
00:44:46,200 --> 00:44:51,080
If we continue this and spending
basically our PDS before we've

804
00:44:51,080 --> 00:44:53,320
even got the PDS.
Yeah, we're.

805
00:44:54,120 --> 00:44:55,800
We're we're doing something
wrong here.

806
00:44:55,800 --> 00:44:58,000
And he agreed and he was like,
yeah, yeah, you're right.

807
00:44:58,160 --> 00:45:03,120
So instead of having 2 beers, we
had one, you know, it was, it

808
00:45:03,120 --> 00:45:05,520
was a little changes.
It wasn't massive, but it was

809
00:45:05,520 --> 00:45:06,280
little.
Changes.

810
00:45:06,920 --> 00:45:09,200
That made us then at the end of
the day I was like, oh, OK, so

811
00:45:09,240 --> 00:45:11,400
we've we've got some money
leftover on that one today.

812
00:45:11,640 --> 00:45:12,880
Brilliant.
Right.

813
00:45:12,880 --> 00:45:16,600
And that's the kind of awareness
like I try to share, right?

814
00:45:16,600 --> 00:45:20,400
Like again, not telling you to
go from 2:00 to 1:00, rather

815
00:45:20,400 --> 00:45:24,480
just kind of bring that future
you into the picture because

816
00:45:24,480 --> 00:45:27,840
it's so easy to kind of forget
and just be in the moment.

817
00:45:28,240 --> 00:45:32,160
Yeah, and I suppose telling
people, you know, if you told

818
00:45:32,160 --> 00:45:35,000
them you don't do this or you
shouldn't do this, they're never

819
00:45:35,000 --> 00:45:36,440
going to listen and they're just
going to do it.

820
00:45:37,120 --> 00:45:39,080
Oh yeah.
And that's not what the coaching

821
00:45:39,080 --> 00:45:42,520
is about.
Coaching is really about pulling

822
00:45:42,520 --> 00:45:47,360
out of you what you want, so
kind of asking you questions and

823
00:45:47,360 --> 00:45:51,240
getting you to think about what
you want this life to be and how

824
00:45:51,240 --> 00:45:53,440
to use money as a tool to get
there.

825
00:45:53,880 --> 00:45:56,960
I know you said it's everyone's
different, but like, could you

826
00:45:56,960 --> 00:45:59,640
explain like a typical session,
you know?

827
00:46:00,360 --> 00:46:02,000
Yeah, how?
How does a typical session, What

828
00:46:02,000 --> 00:46:03,360
does a typical session look
like?

829
00:46:03,760 --> 00:46:06,040
Yeah, sure.
Like one of our mini sessions

830
00:46:06,040 --> 00:46:10,760
will usually include getting to
know you for a few minutes, kind

831
00:46:10,760 --> 00:46:13,760
of finding out if there's a pain
point going on in your life

832
00:46:13,800 --> 00:46:19,280
financially, and so kind of
getting just the lowdown on how

833
00:46:19,280 --> 00:46:21,840
you even manage money.
So I love people that tell me,

834
00:46:21,840 --> 00:46:23,720
like, what do you do when the
money comes in?

835
00:46:23,720 --> 00:46:25,920
Where does it go?
How does it leave?

836
00:46:26,200 --> 00:46:28,640
How do you make decisions about
spending?

837
00:46:29,520 --> 00:46:33,120
Do spend whatever you want to
and kind of figure it out later.

838
00:46:33,120 --> 00:46:35,680
Do you have a number in mind
that you'd like to keep it

839
00:46:35,680 --> 00:46:39,240
within?
I kind of, I do a lot more

840
00:46:39,240 --> 00:46:42,440
listening than talking.
So I'm I'm looking for

841
00:46:42,680 --> 00:46:47,880
explanations like everything is
fine and then there's a one off

842
00:46:47,960 --> 00:46:50,280
and then everything's fine and
then there's a one off.

843
00:46:50,280 --> 00:46:55,840
So these one offs are usually
the things that don't happen

844
00:46:55,840 --> 00:46:58,560
every month.
I can usually say your car will

845
00:46:58,560 --> 00:47:00,160
eventually need to get fixed,
right?

846
00:47:00,400 --> 00:47:02,360
We'll eventually get a nail in
our tire.

847
00:47:02,520 --> 00:47:06,480
So we may need to replace our
roof if we own a home.

848
00:47:06,480 --> 00:47:09,560
So there are things that we may
not know when they're going to

849
00:47:09,560 --> 00:47:12,760
happen, but it really is a
matter of when, not if.

850
00:47:13,480 --> 00:47:16,760
And so if I can kind of sense
that that's kind of the

851
00:47:16,760 --> 00:47:20,880
struggle, then we can work
backwards and kind of find room

852
00:47:20,880 --> 00:47:24,440
to put more money into those
things that are taking up the

853
00:47:24,440 --> 00:47:29,360
money later on.
Some people it's spending.

854
00:47:29,680 --> 00:47:33,440
I do my work with Music Cares.
A lot of that work is on the

855
00:47:33,440 --> 00:47:35,680
income side.
So kind of just generating

856
00:47:35,680 --> 00:47:38,880
income from the music industry
is super challenging.

857
00:47:39,080 --> 00:47:41,320
And so on that side, we've had
to be more creative.

858
00:47:41,320 --> 00:47:45,960
I'm kind of like, how can we
diversify our skills so that we

859
00:47:45,960 --> 00:47:49,280
can do other things, which
happens in touring too, right?

860
00:47:49,280 --> 00:47:52,320
Like, so if you're off tour, are
there things you can tap into

861
00:47:53,560 --> 00:47:56,480
that are not touring that can
kind of keep you going?

862
00:47:56,520 --> 00:48:00,560
I have one gentleman that I
talked to and he's a remote

863
00:48:00,560 --> 00:48:04,840
notary.
So he does Zoom notary sessions

864
00:48:04,960 --> 00:48:08,000
and he has connected with
hospitals and nursing homes and

865
00:48:08,000 --> 00:48:09,720
stuff like that.
So when people need to sign

866
00:48:09,720 --> 00:48:12,840
something in front of a notary,
he does these Zoom sessions and

867
00:48:12,840 --> 00:48:18,000
he's doing great.
So how can you be creative to

868
00:48:18,000 --> 00:48:22,480
kind of bring in other sources?
But when I see people hustle so

869
00:48:22,480 --> 00:48:25,640
much on generating income,
that's when I want them to pay

870
00:48:25,640 --> 00:48:27,800
the same attention to what's
going out.

871
00:48:28,000 --> 00:48:30,280
Because if you're just bringing
it in, bringing in and bringing

872
00:48:30,280 --> 00:48:33,320
it in and then not paying
attention to what's going out, I

873
00:48:33,320 --> 00:48:35,040
just worry that they'll be
burnout.

874
00:48:35,320 --> 00:48:39,120
There definitely will be less
time for family, friends, and

875
00:48:39,120 --> 00:48:42,680
personal care because you're
always working so hard to make

876
00:48:42,680 --> 00:48:45,880
ends meet.
And so I find that there's a lot

877
00:48:45,880 --> 00:48:48,480
of room there usually to work on
the spending side.

878
00:48:49,080 --> 00:48:51,800
Usually we can also in our
sessions, we can usually find

879
00:48:51,800 --> 00:48:54,360
some quick wins.
So I have people go on their

880
00:48:54,360 --> 00:48:56,760
phones, if you have an Apple
phone, going to the

881
00:48:56,760 --> 00:49:00,160
subscriptions tab and seeing the
things you're paying for.

882
00:49:00,400 --> 00:49:02,960
And usually there's some
subscription you're paying for

883
00:49:02,960 --> 00:49:06,160
that you don't use or you don't
need or you won't miss.

884
00:49:06,520 --> 00:49:08,800
And so we kind of cancel those
right away.

885
00:49:09,360 --> 00:49:11,320
So subscriptions are always
great to look at.

886
00:49:11,760 --> 00:49:15,080
Eating out is a great place to
look at to kind of save quickly.

887
00:49:15,760 --> 00:49:19,360
Groceries being more
intentional, going with a list.

888
00:49:19,480 --> 00:49:21,720
I mean, I know sometimes you're
home for a little bit and then

889
00:49:21,720 --> 00:49:22,880
you're away and then you're
home.

890
00:49:22,880 --> 00:49:26,760
So I don't know if there's any
food waste, you know, again,

891
00:49:26,760 --> 00:49:31,280
using your freezer, stocking
your pantry, kind of those are

892
00:49:31,280 --> 00:49:34,520
places where we can kind of get
some fast wins.

893
00:49:35,360 --> 00:49:38,520
Yeah.
And I think that's don't go to

894
00:49:38,520 --> 00:49:40,680
the supermarket when you're
hungry because you just buy

895
00:49:40,680 --> 00:49:44,960
everything that right.
I've been guilty of that before

896
00:49:44,960 --> 00:49:48,240
for sure.
Every time I'm like, damn it,

897
00:49:48,240 --> 00:49:52,280
not again, right.
But you know, like, say with

898
00:49:52,280 --> 00:49:54,800
people that are on tour, they're
only back for a short amount of

899
00:49:54,800 --> 00:49:57,800
time.
And, and yeah, you, you look in

900
00:49:57,800 --> 00:49:59,000
your fridge, there's nothing
there.

901
00:49:59,000 --> 00:50:02,120
OK, You'll call the door dash.
You'll, you know, and that's the

902
00:50:02,560 --> 00:50:06,280
me, like you said, the
subscription side of things, you

903
00:50:06,280 --> 00:50:10,240
know, these are all, yeah,
they're all things that you can

904
00:50:10,240 --> 00:50:13,200
probably look at and say, oh,
damn, I didn't even realize I

905
00:50:13,200 --> 00:50:15,160
was still paying for that.
Guilty.

906
00:50:15,640 --> 00:50:17,560
Right.
Totally here too.

907
00:50:17,960 --> 00:50:21,400
And then the other things is
like housing and transportation

908
00:50:21,400 --> 00:50:23,560
are usually our biggest
expenses.

909
00:50:23,800 --> 00:50:26,520
So I always like to run through
the numbers of people and say,

910
00:50:26,520 --> 00:50:28,960
well, how much of your money is
going to housing and how much is

911
00:50:28,960 --> 00:50:32,160
going to transportation?
And is that a reasonable

912
00:50:32,160 --> 00:50:35,480
percentage?
So if those two categories, if

913
00:50:35,480 --> 00:50:38,320
you've overextended yourself and
those are really high

914
00:50:38,320 --> 00:50:42,920
percentages of your income, it
makes everything else feel super

915
00:50:42,920 --> 00:50:46,080
tight.
And so I'd rather get somebody

916
00:50:46,080 --> 00:50:50,400
before they sign the car lease
or car purchase or before they

917
00:50:50,400 --> 00:50:53,360
buy the home, so we can actually
work through the numbers about

918
00:50:53,360 --> 00:50:58,000
what you really need and can you
keep up with it, right.

919
00:50:58,000 --> 00:51:01,280
So a lot of people say I can't
plan because my income's

920
00:51:01,600 --> 00:51:04,920
unpredictable, but I actually
say that's more of a reason to

921
00:51:04,920 --> 00:51:08,320
plan.
So let's estimate our expenses

922
00:51:08,320 --> 00:51:11,920
are high and our income is low
and see if we can make it work.

923
00:51:11,920 --> 00:51:14,320
And if we can make it work in
that situation, then if your

924
00:51:14,320 --> 00:51:17,640
income increases or your
expenses go down, you're even in

925
00:51:17,640 --> 00:51:21,000
a better position.
And I suppose as well it's, you

926
00:51:21,000 --> 00:51:23,920
know, you might go and buy
something or get a loan on

927
00:51:23,920 --> 00:51:26,920
something when you have got some
good income coming in.

928
00:51:27,440 --> 00:51:30,160
But with our job, there's no
guarantee of that either.

929
00:51:30,400 --> 00:51:35,400
So I suppose as well it's, I
mean, how do we manage that so.

930
00:51:35,920 --> 00:51:39,120
That's a really good point
actually, because let's say you

931
00:51:39,120 --> 00:51:41,480
have some good income coming in
for a period of time and the

932
00:51:41,480 --> 00:51:43,440
bank approves you for something,
right?

933
00:51:43,680 --> 00:51:46,400
So just because you've been
approved for it doesn't mean we

934
00:51:46,400 --> 00:51:48,640
should do it.
And that's where we have to be

935
00:51:48,640 --> 00:51:50,720
really kind of honest with
ourselves.

936
00:51:50,720 --> 00:51:53,920
If can we sustain this, are we
setting ourselves up for

937
00:51:53,920 --> 00:51:56,160
success?
Because that's what I want us to

938
00:51:56,160 --> 00:51:58,280
do, right?
I don't want you to commit to

939
00:51:58,280 --> 00:52:01,520
something that you then don't
know if you can keep up with.

940
00:52:02,040 --> 00:52:05,800
And so that's kind of where we,
you have to, there's no perfect

941
00:52:05,800 --> 00:52:08,040
answer.
It depends, you know, how much

942
00:52:08,040 --> 00:52:11,680
risk you want to take on and,
and kind of that situation. 1

943
00:52:11,680 --> 00:52:16,440
little side note I'll say
though, is building your credit

944
00:52:16,480 --> 00:52:20,240
before you need it is super
helpful because when you come to

945
00:52:20,240 --> 00:52:23,360
those times when you want to buy
something or you need your

946
00:52:23,360 --> 00:52:27,160
credit to kind of get you a
better rate, it's hard to build

947
00:52:27,160 --> 00:52:29,360
it in the moment.
So it's something that we want

948
00:52:29,360 --> 00:52:31,880
to be working towards.
We want to pay our bills on

949
00:52:31,880 --> 00:52:34,720
time, which is the biggest
factor that goes into our credit

950
00:52:34,720 --> 00:52:38,560
score.
There's other things that kind

951
00:52:38,560 --> 00:52:41,800
of go into that score, but just
kind of being aware of that and

952
00:52:41,800 --> 00:52:44,360
for touring folks, I always
recommend that if you're not

953
00:52:44,360 --> 00:52:48,000
currently applying for a loan or
anything that needs your credit,

954
00:52:48,000 --> 00:52:50,800
freeze your credit.
So it's easy to freeze your

955
00:52:50,800 --> 00:52:53,840
credit.
There's three credit bureaus and

956
00:52:53,840 --> 00:52:55,920
you can go on each one and
freeze your credit.

957
00:52:55,920 --> 00:53:00,120
That would prevent somebody from
taking out credit in your name,

958
00:53:00,360 --> 00:53:03,000
which when you're on the road,
of course, we can't pay as much

959
00:53:03,000 --> 00:53:04,560
attention to kind of what's
going on.

960
00:53:04,560 --> 00:53:06,440
We're not getting our mail,
we're not home.

961
00:53:07,160 --> 00:53:09,480
So freezing credit is usually a
good idea.

962
00:53:09,480 --> 00:53:12,080
I'm happy to send anyone
material on that also.

963
00:53:12,880 --> 00:53:15,800
I was gonna say is there is
there any like tools or apps

964
00:53:15,920 --> 00:53:19,920
that you recommend for people to
use like when they're a way to

965
00:53:19,920 --> 00:53:24,160
manage things or?
Or yeah, so it depends.

966
00:53:24,200 --> 00:53:27,560
Like I usually like that to be a
personal thing because I like

967
00:53:27,560 --> 00:53:31,440
people to use whatever they're
willing to stick with, right?

968
00:53:31,880 --> 00:53:35,720
So there's some budgeting apps
like Monarch Money, which I

969
00:53:35,720 --> 00:53:39,280
like, another one called Wine
app, but it's only good if

970
00:53:39,280 --> 00:53:41,120
you're going to use it.
So I have people that are like,

971
00:53:41,120 --> 00:53:42,720
oh, Rachel, I have this
subscription.

972
00:53:42,720 --> 00:53:45,680
I've never touched it.
And I was like, OK, we need to

973
00:53:45,680 --> 00:53:47,360
find something that's going to
work for you.

974
00:53:47,640 --> 00:53:51,320
And then I have another touring
folk who uses the notes app in

975
00:53:51,320 --> 00:53:55,040
his phone to track his per diem
and it's working.

976
00:53:55,240 --> 00:53:59,920
So if it works, you know, I'm OK
with him doing that.

977
00:54:01,040 --> 00:54:04,120
Now there's a whole like kind of
side conversation that if you're

978
00:54:04,120 --> 00:54:07,760
getting paid as a contractor and
you're really running a music

979
00:54:07,760 --> 00:54:11,960
business, I would want you to
have some more things in place

980
00:54:12,200 --> 00:54:15,280
just so that we're pulling in
income into a software.

981
00:54:15,280 --> 00:54:17,760
We're listing out expenses
because that just makes tax

982
00:54:17,760 --> 00:54:22,000
times easier.
So a program like QuickBooks or

983
00:54:22,000 --> 00:54:25,000
if you're just kind of getting
started and you just want to be

984
00:54:25,000 --> 00:54:28,360
able to prep invoices and maybe
like log expenses, there is

985
00:54:28,360 --> 00:54:31,560
another program called Wave
Accounting that's free.

986
00:54:32,720 --> 00:54:34,520
It could just be an Excel
spreadsheet.

987
00:54:34,520 --> 00:54:39,160
Also, again, I want to kind of
work with whatever makes sense

988
00:54:39,160 --> 00:54:42,000
for an individual.
Because especially when you are,

989
00:54:42,760 --> 00:54:45,720
yeah, when you are on tour, it's
hard.

990
00:54:45,720 --> 00:54:47,680
You know, you don't get out your
laptop and you don't start

991
00:54:47,680 --> 00:54:50,560
putting in your expenses and it
doesn't you it just like.

992
00:54:51,040 --> 00:54:53,640
It's like, yeah.
It just rolls, doesn't it, into

993
00:54:54,240 --> 00:54:59,920
like craziness of yeah, just
just actual craziness of like, I

994
00:54:59,920 --> 00:55:04,120
haven't got time to put this in.
I mean, again, I know people

995
00:55:04,120 --> 00:55:07,080
that enter everything into a
sheet or an app.

996
00:55:07,600 --> 00:55:10,280
Yeah, I know some people that
the tax cut tax comes in and

997
00:55:10,280 --> 00:55:12,760
they're like, Oh my God, I've
got to spend 2, two days doing

998
00:55:12,760 --> 00:55:17,640
my tax now because it's 2 days.
Try 2 weeks if you have not paid

999
00:55:17,640 --> 00:55:20,640
attention to it all year.
It feels like that big of a

1000
00:55:20,640 --> 00:55:22,600
burden.
Yeah, it's horrible.

1001
00:55:23,040 --> 00:55:27,160
Yeah, but but if I can get one
of the things I try to get

1002
00:55:27,160 --> 00:55:32,120
people to is tracking.
We start out even daily or every

1003
00:55:32,120 --> 00:55:36,560
couple days because if you have
5 minutes a day and maybe you do

1004
00:55:36,560 --> 00:55:39,200
and maybe you don't, but if we
never let it get more than a few

1005
00:55:39,200 --> 00:55:42,640
days behind, it's actually
pretty easy to keep up with.

1006
00:55:43,120 --> 00:55:46,560
You just need someone to help
you set up the routine and build

1007
00:55:46,560 --> 00:55:48,480
the habit.
And we just have to build the

1008
00:55:48,480 --> 00:55:51,400
muscle just like at the gym.
We just have to build this money

1009
00:55:51,400 --> 00:55:53,640
muscle.
I have people who are like

1010
00:55:53,640 --> 00:55:57,600
Rachel, I call Mondays, my money
Mondays, and that's when I work

1011
00:55:57,600 --> 00:56:00,400
on this stuff.
I know in country music it's a

1012
00:56:00,400 --> 00:56:03,160
lot of weekend warrior stuff, so
they're off on Mondays and

1013
00:56:03,160 --> 00:56:05,600
Tuesdays.
So for them, it really helps to

1014
00:56:05,600 --> 00:56:08,400
kind of have that set routine of
getting caught up from the week

1015
00:56:08,400 --> 00:56:11,160
prior, but definitely keeping up
as you go.

1016
00:56:11,160 --> 00:56:14,360
Because also with me, if I don't
keep up as I go, I don't want to

1017
00:56:14,360 --> 00:56:16,360
do it.
So then it's then you just shut

1018
00:56:16,360 --> 00:56:18,960
down because you're like, this
is too big of a project.

1019
00:56:19,240 --> 00:56:22,280
I'm not even going to start.
And that's it.

1020
00:56:22,280 --> 00:56:25,480
Because you, you put it off.
You put it off again, hands up.

1021
00:56:25,480 --> 00:56:26,400
I am that.
Person.

1022
00:56:27,240 --> 00:56:31,160
You know, I totally am put it
off, put it off and then it

1023
00:56:31,160 --> 00:56:33,160
comes through and I'm like, Oh
no.

1024
00:56:33,160 --> 00:56:37,280
And then I'm like next year.
I mean my account, obviously if

1025
00:56:37,280 --> 00:56:40,000
I could go back, I mean, I,
I've, I've actually, I've given

1026
00:56:40,000 --> 00:56:43,640
up my little business that I had
in England because now I am full

1027
00:56:43,640 --> 00:56:47,600
time here and, and that's it.
But really my accounts in

1028
00:56:47,600 --> 00:56:50,040
England every year I'm like, I'm
so sorry.

1029
00:56:50,040 --> 00:56:53,960
I said next year, I promise it's
going to be better and then

1030
00:56:53,960 --> 00:56:56,040
every year I'll be like, I'm so
sorry I didn't.

1031
00:56:56,040 --> 00:57:00,640
Do it.
OK, so the way I look at that is

1032
00:57:00,760 --> 00:57:03,680
yesterday is all in the past.
So like, yes, we might have to

1033
00:57:03,680 --> 00:57:08,480
clean up everything from today
prior, but from today forward,

1034
00:57:08,680 --> 00:57:11,360
what are we going to do?
So forget waiting for the next

1035
00:57:11,360 --> 00:57:13,880
year, forget waiting for the
next month, just like they're

1036
00:57:13,920 --> 00:57:17,600
starting today.
How am I going to build a new

1037
00:57:17,600 --> 00:57:20,680
habit and we don't have to
change it all overnight?

1038
00:57:21,000 --> 00:57:25,840
Maybe you're going to say when I
if I'm running my own business

1039
00:57:25,840 --> 00:57:28,320
and paid as a contractor, I'm
going to snap a picture of every

1040
00:57:28,320 --> 00:57:31,120
receipt.
Or maybe it's I'm going to

1041
00:57:31,120 --> 00:57:35,720
download my transactions from my
bank account into a spreadsheet

1042
00:57:36,680 --> 00:57:40,080
once a week and at least keep a
tally, right?

1043
00:57:40,360 --> 00:57:41,920
I'm just going to say that was
meals.

1044
00:57:41,920 --> 00:57:44,600
Maybe I'm not signing up for
QuickBooks yet, but I'm just

1045
00:57:44,600 --> 00:57:46,320
going to start the sheet for
now.

1046
00:57:46,680 --> 00:57:50,280
And maybe next year I'll come up
with a system for, for now, I'm

1047
00:57:50,280 --> 00:57:53,960
going to do the steps that I
think I can accomplish and it's

1048
00:57:53,960 --> 00:57:56,080
something.
And then anything prior to

1049
00:57:56,080 --> 00:57:59,120
today, we'll deal with that mess
later.

1050
00:57:59,640 --> 00:58:03,000
But don't let that hold you back
for making a change.

1051
00:58:03,720 --> 00:58:12,080
Yep, yeah, wise words.
Well, let's see how I get on

1052
00:58:12,080 --> 00:58:14,640
this year, but.
Yeah, let me know.

1053
00:58:14,960 --> 00:58:16,080
Yeah, I know.
Seriously.

1054
00:58:16,280 --> 00:58:18,560
But so you've you've started
life jam.

1055
00:58:18,560 --> 00:58:20,920
How long have you you've been
life jammed.

1056
00:58:20,920 --> 00:58:22,560
How long has that been running
now?

1057
00:58:22,800 --> 00:58:25,600
Sure.
I started about four years ago

1058
00:58:27,200 --> 00:58:32,840
as sort of a part time thing
while I was employed, kind of

1059
00:58:32,840 --> 00:58:37,520
left my full time job, did this
coaching for women at the same

1060
00:58:37,520 --> 00:58:40,520
time as growing it, and then as
of last June, full time and

1061
00:58:40,520 --> 00:58:44,360
Lifes Jam.
So when you say is it just you

1062
00:58:44,360 --> 00:58:47,320
don't just coach ladies now it's
it's anybody.

1063
00:58:47,320 --> 00:58:50,600
'S no that the women financial
coaching was separate?

1064
00:58:50,600 --> 00:58:52,920
Yep.
I coach everybody and I'm just

1065
00:58:52,920 --> 00:58:55,480
focused on the music industry
because I feel like there's so

1066
00:58:55,480 --> 00:58:59,360
much need here.
So I help people in a few ways.

1067
00:58:59,360 --> 00:59:02,960
I do one-on-one sessions when
people hear about me and reach

1068
00:59:02,960 --> 00:59:06,680
out.
I work with tours in providing

1069
00:59:06,680 --> 00:59:09,160
that coaching to the tour
through the tour run so that

1070
00:59:09,160 --> 00:59:13,440
their people feel supported.
I do employer kind of Wellness

1071
00:59:13,440 --> 00:59:17,600
workshop, so Lunch and Learns IA
collaborator with the Country

1072
00:59:17,600 --> 00:59:20,120
Music Association and an
ambassador for them, and I've

1073
00:59:20,120 --> 00:59:24,880
done some stuff with them.
I write my column and kind of go

1074
00:59:24,880 --> 00:59:28,080
around the country speaking
about financial Wellness in the

1075
00:59:28,080 --> 00:59:33,160
industry to kind of continue to
bring awareness to the decision

1076
00:59:33,160 --> 00:59:36,000
makers in the industry to kind
of provide more support here.

1077
00:59:36,880 --> 00:59:41,120
So how can people reach you?
How can how can people like hear

1078
00:59:41,120 --> 00:59:42,760
they're listening.
They're like, my goodness, I

1079
00:59:42,760 --> 00:59:45,120
think you're amazing.
I could really, really do with

1080
00:59:45,640 --> 00:59:48,720
your help your your your advice.
Like how?

1081
00:59:49,040 --> 00:59:51,440
What's the best way to read?
Yeah, you can check out my

1082
00:59:51,440 --> 00:59:57,040
website, which is Life's
jam.com, LIFESJ AM.

1083
00:59:57,080 --> 01:00:00,040
It's a newly redesigned website,
so I'd love for you to check it

1084
01:00:00,080 --> 01:00:02,240
out.
You can also find me on

1085
01:00:02,240 --> 01:00:05,520
Instagram with the same handle,
Life's Jam.

1086
01:00:05,640 --> 01:00:10,880
And I also have a a connect A
network on LinkedIn, so under my

1087
01:00:10,880 --> 01:00:14,800
name Rachel Braunstein.
And I will do, I'll, I'll do a

1088
01:00:14,800 --> 01:00:17,360
like a little post anyway, but
I'll put all that, all the

1089
01:00:17,360 --> 01:00:19,640
information, I'll put it on the
post that people can reach out

1090
01:00:19,640 --> 01:00:21,440
to you.
And one thing I wanted to ask

1091
01:00:21,440 --> 01:00:27,400
was like, how like do you
approach tour tour companies,

1092
01:00:27,400 --> 01:00:29,720
tour management to offer your
services?

1093
01:00:29,760 --> 01:00:32,960
Or is it now that it's word of
mouth that you've managed to get

1094
01:00:32,960 --> 01:00:37,200
these contracts, you know how
how's that all coming together

1095
01:00:37,200 --> 01:00:38,760
for you?
And when did you first start?

1096
01:00:38,760 --> 01:00:40,640
Your first?
Yeah, your first tour.

1097
01:00:41,160 --> 01:00:46,800
Yeah, it's a relationship
business, as you know, So I'll

1098
01:00:46,800 --> 01:00:49,600
never forget.
Zito, production manager for

1099
01:00:49,600 --> 01:00:54,000
Green Day, was asked how we were
in a room one day and someone

1100
01:00:54,000 --> 01:00:55,400
said, oh, how do you know
Rachel?

1101
01:00:55,400 --> 01:00:57,880
And he's like, she just kept
showing up.

1102
01:00:58,720 --> 01:01:04,040
So I feel like I did.
I really hit the pavement at the

1103
01:01:04,040 --> 01:01:07,360
beginning and was just trying to
be present, try to absorb all

1104
01:01:07,360 --> 01:01:11,680
the information that I could
and, and really be there.

1105
01:01:11,680 --> 01:01:15,280
And then Zito brought me out to
Green Day rehearsals last year

1106
01:01:15,520 --> 01:01:17,440
and I was able to do some of
that coaching.

1107
01:01:18,560 --> 01:01:22,680
I speak at the conference live
at Lititz for the last couple of

1108
01:01:22,680 --> 01:01:24,680
years.
So that's been an incredible

1109
01:01:24,680 --> 01:01:28,760
couple days of meeting and
talking with touring folks,

1110
01:01:28,760 --> 01:01:31,040
which has helped lead to
opportunities.

1111
01:01:31,440 --> 01:01:36,520
Word of mouth is incredible.
It started as if I could just

1112
01:01:36,520 --> 01:01:40,880
know 1 tour manager and kind of
connect with one and it's gone

1113
01:01:40,880 --> 01:01:45,320
beyond my wildest imagination.
So I just love that it's so well

1114
01:01:45,320 --> 01:01:50,160
received and people really the
number one thing people say is

1115
01:01:50,160 --> 01:01:54,320
Oh my gosh, we need this help.
So as that's kind of my

1116
01:01:54,320 --> 01:01:59,200
motivator to keep going and
connecting with professionals in

1117
01:01:59,200 --> 01:02:04,640
the industry.
And what would your goals be for

1118
01:02:04,720 --> 01:02:07,480
Life Jam?
Would it be that you have more

1119
01:02:07,480 --> 01:02:11,720
coaching assistance with you?
So then they can go off and you

1120
01:02:11,720 --> 01:02:16,760
know you're going to grow to a
big empire, right?

1121
01:02:16,960 --> 01:02:21,440
Now putting 11 foot in front of
the other right now, I'd love

1122
01:02:21,440 --> 01:02:24,600
for there for there be a life
jam community though, so a

1123
01:02:24,600 --> 01:02:27,200
community hub.
So no matter if we worked with

1124
01:02:27,200 --> 01:02:30,240
together in the past or you're
on a tour that I'm supporting

1125
01:02:30,240 --> 01:02:33,600
now, we all have a central place
to ask questions and get

1126
01:02:33,600 --> 01:02:36,240
resources.
I'm start starting to build a

1127
01:02:36,240 --> 01:02:39,520
lot of resources and educational
materials for things that I'm

1128
01:02:39,520 --> 01:02:43,120
seeing come up a lot.
So I'm hoping I can kind of lean

1129
01:02:43,120 --> 01:02:45,400
into that and share that in the
future.

1130
01:02:46,280 --> 01:02:48,920
Yeah, that's amazing.
And sort of goals for this year,

1131
01:02:48,920 --> 01:02:51,800
what I don't know if you can
mention anything, but like have

1132
01:02:51,800 --> 01:02:54,600
what have you got lined up for
this year speaking wise?

1133
01:02:54,600 --> 01:02:57,440
So again, if people are around
like, oh, I'm going to go to

1134
01:02:57,440 --> 01:02:59,240
that, I'm going to make sure I
check you out.

1135
01:02:59,800 --> 01:03:02,040
Sure.
Well, one of the one of the

1136
01:03:02,040 --> 01:03:05,120
organizations that I joined as a
Board of director this year is

1137
01:03:05,120 --> 01:03:07,440
Echolive, which we kind of
talked about at the beginning of

1138
01:03:07,440 --> 01:03:10,560
the the session.
And we put on a fantastic

1139
01:03:10,560 --> 01:03:14,920
workshop in Nashville in
November, bringing in, you know,

1140
01:03:14,920 --> 01:03:19,120
several 100 folks to come
listen, engage in panels and

1141
01:03:19,120 --> 01:03:21,280
discussions.
It's super interactive.

1142
01:03:21,720 --> 01:03:26,280
I offered a finance kind of mini
session before the workshop

1143
01:03:26,280 --> 01:03:28,720
kicked off last year and it was,
it went off well.

1144
01:03:28,720 --> 01:03:30,200
So we're going to be doing that
again.

1145
01:03:30,200 --> 01:03:32,520
So if you want help with your
personal finances, we can get

1146
01:03:32,520 --> 01:03:35,400
some kind of together time
before the workshop.

1147
01:03:35,400 --> 01:03:38,360
So I'll be at that, which is
great.

1148
01:03:39,560 --> 01:03:43,000
Not I'll be back at the
conference live at Lititz.

1149
01:03:43,080 --> 01:03:45,840
I'm not quite sure.
I have to kind of keep building

1150
01:03:45,840 --> 01:03:47,960
my calendar out.
So I'm not sure what's what's

1151
01:03:47,960 --> 01:03:49,880
down the road.
And I'll finish supporting this

1152
01:03:49,880 --> 01:03:53,200
tour through October that I'm on
right now, which has been been

1153
01:03:53,200 --> 01:03:56,640
great as well.
So stay tuned for more.

1154
01:03:56,640 --> 01:04:01,960
And if you have and if you are
with a tour that wants some as

1155
01:04:01,960 --> 01:04:05,040
help, please reach out.
I'd love to kind of share how I

1156
01:04:05,040 --> 01:04:08,000
can support your crew.
Yeah, I think that's the biggest

1157
01:04:08,000 --> 01:04:10,760
thing for here.
If anyone is listening, then

1158
01:04:10,760 --> 01:04:14,000
yeah, for sure you can.
If if you've missed Rachel's

1159
01:04:14,000 --> 01:04:16,520
e-mail or whatever, you can
contact me and I can connect you

1160
01:04:16,520 --> 01:04:18,880
both.
But I feel what you're doing,

1161
01:04:19,120 --> 01:04:23,120
there is a huge need for it.
I mean, even even me just open

1162
01:04:23,120 --> 01:04:24,720
it like I thought, Oh yeah, I
could do with that.

1163
01:04:24,720 --> 01:04:27,040
I could do with that.
So for people listening, I'm

1164
01:04:27,040 --> 01:04:30,080
sure that there's lots of people
out there that need that

1165
01:04:30,080 --> 01:04:35,000
guidance, need that advice.
And you know, and I'm so I'm so

1166
01:04:35,080 --> 01:04:38,160
thrilled that you're doing it
and you're doing it in the

1167
01:04:38,160 --> 01:04:41,840
industry.
I love working with Echo Live.

1168
01:04:41,840 --> 01:04:45,280
I do, I try and promote them as
lot, as much as I can because

1169
01:04:45,280 --> 01:04:49,600
what they're doing is fantastic.
So I said Cara was the one that

1170
01:04:49,600 --> 01:04:50,680
connected us both.
Yeah.

1171
01:04:51,080 --> 01:04:52,440
Thank you, Cara, if you are
listening.

1172
01:04:52,440 --> 01:04:55,880
Thank you for that.
Will you be at LDI by any

1173
01:04:55,880 --> 01:04:59,280
chance?
I haven't gone to that one yet,

1174
01:04:59,560 --> 01:05:01,440
but maybe I should add it to my
list?

1175
01:05:01,680 --> 01:05:02,920
I don't know.
We'll see.

1176
01:05:03,920 --> 01:05:08,480
Well, I'll be, I'll be at LDI.
We're also doing like some sort

1177
01:05:08,800 --> 01:05:11,800
of panel things in the daytime
for this thing called X Live and

1178
01:05:11,800 --> 01:05:13,880
they're organising something in
the evening.

1179
01:05:14,240 --> 01:05:17,680
But I like going there as well
because the backstage, no behind

1180
01:05:17,680 --> 01:05:19,720
the scenes, sorry.
Behind the scenes they're there

1181
01:05:19,720 --> 01:05:21,280
and they talk a lot about mental
health.

1182
01:05:21,640 --> 01:05:27,160
So I like going there to just
not just, but, yeah, to to see,

1183
01:05:27,160 --> 01:05:31,640
see what's, see what's happening
to help people because really

1184
01:05:31,640 --> 01:05:36,080
financial mental health in the
touring world for me, it's just

1185
01:05:36,080 --> 01:05:39,360
a huge thing.
And I said on my last podcast,

1186
01:05:39,360 --> 01:05:42,160
like I sit, I sit here and I say
how easy it is.

1187
01:05:42,160 --> 01:05:44,320
But when you're on tour, it is
so different.

1188
01:05:44,640 --> 01:05:48,800
So for you to come on and say,
no, actually when I when I do it

1189
01:05:48,920 --> 01:05:51,560
like a drop in and I visit,
people are coming up to you.

1190
01:05:51,560 --> 01:05:54,600
That's fantastic.
You get to go to the rehearsals,

1191
01:05:54,600 --> 01:05:59,280
you're there for the days off.
Yeah, it's great to say see that

1192
01:05:59,280 --> 01:06:03,880
it's working and sorting out
your financial situation will

1193
01:06:03,880 --> 01:06:05,480
help with your mental health,
so.

1194
01:06:05,640 --> 01:06:07,760
Absolutely.
I say that all the time.

1195
01:06:08,400 --> 01:06:11,000
It's been a pleasure.
Yeah, yeah.

1196
01:06:11,000 --> 01:06:12,840
Is there?
Anything else you wanted to

1197
01:06:12,840 --> 01:06:16,760
mention that we may have missed
or is like, yeah.

1198
01:06:16,960 --> 01:06:19,280
Because I think we cover, I
think we covered it.

1199
01:06:19,280 --> 01:06:23,960
And I mean, there's always so
much more to talk about, but,

1200
01:06:24,000 --> 01:06:26,680
and I have a monthly e-mail
newsletter if anyone wants to

1201
01:06:26,680 --> 01:06:28,880
join that I give tidbits of
information.

1202
01:06:29,560 --> 01:06:31,520
Again, you can sign up for that
on my website.

1203
01:06:31,880 --> 01:06:33,280
But I would just love to
connect.

1204
01:06:33,280 --> 01:06:35,640
I'd love to keep helping.
And I'd love to keep kind of

1205
01:06:35,640 --> 01:06:39,920
leaning into what are the kind
of pain points that if somebody

1206
01:06:39,920 --> 01:06:43,400
could help you resolve your life
would be that much better, you

1207
01:06:43,400 --> 01:06:45,520
know?
And so I want to meet people

1208
01:06:45,520 --> 01:06:47,720
where they're at.
Fantastic.

1209
01:06:47,760 --> 01:06:51,280
Well, Rachel, thank you so much
for coming on and I look forward

1210
01:06:51,280 --> 01:06:53,520
to meeting you one day.
Yes, perfect.

1211
01:06:53,520 --> 01:06:55,320
Thank you for having me.
Thanks.

1212
01:06:55,320 --> 01:06:56,800
Bye.
Bye.

1213
01:07:01,520 --> 01:07:06,200
La La La La la ladies.
The ladies.

1214
01:07:09,840 --> 01:07:17,800
Now here's the leading ladies by
Geezers of Gear on tour.

1215
01:07:17,800 --> 01:07:20,640
Maybe she got some stories to
share.

1216
01:07:20,920 --> 01:07:28,880
Now here's the leading ladies by
the Geezers of Gear, Rockstar

1217
01:07:28,880 --> 01:07:35,520
ladies with some stories to
share because La La, la, la, la

1218
01:07:35,600 --> 01:07:46,880
ladies.
La La, la, la, la, la ladies.

1219
01:07:48,480 --> 01:07:57,760
Yes, she's at high.
Now here's the leading ladies by

1220
01:07:57,760 --> 01:08:04,840
Kizers of Gear Rockstar ladies
for some stories to share.

1221
01:08:05,280 --> 01:08:12,440
Now here's the leading ladies by
the Kizers of Gear on tour.

1222
01:08:13,160 --> 01:08:15,320
Ladies, you've got some stories
to share.