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Dr. Jessica Higgins: Hi, thank you for joining today’s podcast episode. Today’s episode is 235, “How to emerge from quarantine with your finances intact”, an interview with Ericka Young. Before we get started, I wanna take a moment and center with you, perhaps taking a moment of pause; just take a moment to take inventory, to take recognition for whatever is up for you as you contemplate your relationship, perhaps whatever thoughts, feelings, bodily sensations you’re aware of, as I set the intention for the Empowered Relationship podcast, just inviting you to just stay with yourself for a moment.

The intention for the Empowered Relationship podcast is for you to feel supported as you navigate the terrain of long-lasting intimacy, so that you can develop more connection, more confidence, more security, more vitality in your intimate bond. And as we navigate the terrain of long-lasting intimacy, oftentimes we will be challenged, so the conversations that happen on this show are intended to help you have more skills, more tips, more tools, more approaches to consider, again, as you develop yourself and your relationship.

If you would like access to today’s show notes, you can visit DrJessicaHiggins.com, click on Podcast in the top navigation bar; there you’ll find all the episode. Today’s episode, again, is 235, “How to emerge from quarantine with your finances intact, an interview with Ericka Young.”

There on the website you’ll find several free gifts for you to deepen in your experience in contemplating, practicing these skills in your relationship as it relates to shifting criticism, or understanding the development of relationship, or understanding  the seven ways that people typically get stuck in relationship. You’ll also find courses where you can learn about how to get direct support, research, tips, tools, practices for you to implement, to have real transformational change in your relationship.

Also, if you’re interested in getting direct support by the way of coaching, you can learn more about that with the Work With Me page. Again, all of this on DrJessicaHiggins.com.

Ericka Young founded Tailor-Made Budgets in 2005 after she and her husband Chris climbed out of nearly $100,000 in debt. She is a certified financial coach by Ramsey Solutions and combines her passion for helping people with creative debt reduction techniques so everyone can have a path to financial freedom. Ericka teaches her message of debt freedom through her e-newsletters, personal and group coaching, workshops, best-selling book and speaking engagements.

Ericka was a guest on the Empowered Relationship podcast a while back, and I’ll make sure to have the link to that show on today’s show notes.

Dr. Jessica Higgins: Ericka, thank you for joining us today.

Ericka Young: Thankful to be here, I appreciate you having me.

Dr. Jessica Higgins: I know, and we had such a great time when you were on previously, so I’ll make sure to have the link to that podcast on today’s show notes. What have you been up to? I imagine you are so busy with all the stress with the pandemic. How have things been for you?

Ericka Young: Well, I will first say we have all been healthy and fine, so that is awesome. That’s always the first thing right now. And then the other thing is, honestly, I’ve been going through what everybody else is going through – making sure my kids are good in school; I have an older daughter who’s in college, and lots of her classes are online, and I have a high-schooler who is doing online school right now… But in terms of my business, I’ve been helping businesses/companies bring employee wellness virtually to their employees, because you just don’t know how they’ve been affected financially… So I just wanna make myself available to do that.

Then doing tons of things like that with women’s groups, and business groups, just to support people right now… Because there’s so much to learn, so much to know, and make sure that you are really setting yourself up to emerge from this season with your money matters intact. So I’ve been doing a lot of work there.

For self-care, I had to take a little bit of time, because I was spending so much time giving, giving, that I needed to take care of myself… So I was able to get away to the mountains for a minute with my family, and that’s what we’ve been up to. It’s been a wild ride for the last several months.

Dr. Jessica Higgins: No kidding… And from your vantage point, what are you seeing generally, where people are experiencing hardship and where they’re getting stuck? Because even just your title around “Emerging through this with your finances on track” – it could feel like a very oxymoron, given what people are up against… But I’m curious, thematically, what are you seeing where people are getting stuck?

Ericka Young: Well, actually, I see people fall into three camps. One is they might have no change in their finances, and they’re spending lots of money… So they’re fixing up their home, they’re doing things like that because they’ve been home for so long and see all the issues at home. For that group of people, I typically will say caution; make sure you’ve got enough of an emergency fund. Maybe use this time to pay down debt. Think really critically about what it is you want, so that you’re not wasting this time, if you will. [unintelligible 00:06:48.25] net worth still advancing towards the goals.

I also see people who’ve had their finances partially affected… Some of my clients actually have seen a decrease in their income, but they still do the same job. So for a season, companies are trying to weather the storm effectively, and so this does not align with their budget… So they’re really having to scramble and think through what is important, “What do I not need during this moment?”

I had a couple clients for whom that reduction in pay affected them for maybe three months, and they were trying to figure out “What do I do?” Because I still have responsibilities.

And then the third camp, of course, is those who have been most affected, who’ve lost jobs, or have been furloughed, and ended up on the unemployment system and really trying to figure out how to navigate those waters, and that’s the toughest group, honestly. If you were unprepared and didn’t have money saved, and you don’t have the extra funds in order to weather that particular storm, that is the most challenging thing.

So helping people to employ their resources, making sure that they know what programs are available, how the CARES Act can affect them in a positive way, to be able to weather this and get food on the table and make sure that all the basics are taken care of. That is my focus for the folks that have been most affected during this season.

Dr. Jessica Higgins: Absolutely, and thank you for showing up for people in this particular area. Where are you finding the bulk of people in these camps?

Ericka Young: What’s interesting is probably half of the people have not been affected at all. And movie theaters aren’t open, you really can’t travel… Lots of people are finding that they have extra money, and so though good, I would say we’re gonna be here longer than you might think, and honestly, some of the ripple effect of companies who haven’t been affected may come later. So I want people to use caution when they’re spending money, make certain that it’s a good use of the funds, and then also that you have a solid emergency fund. And then I am seeing more and more – and I think people really need to be paying attention to this – that companies will potentially have bonuses or profit-sharing or some type of your normal pay could be affected coming up sooner.

So just know that, again, if it hasn’t happened already, just be clear that this is what they end up having to do in order to keep business moving forward, especially if they’re not in an industry that is thriving right now. So I think people need to really evaluate the industry that they’re in, to make certain that they are on solid footing and they take care of their personal economy.

For those who actually are out of work – and honestly, it might be a great time to think about what you could do to make money during this season, or are you in a career that you really enjoy? Is there something else you might wanna take on?

I think this could be an awakening for people, and I’m hoping that this time of reflection will get them to a place where they’re a bit happier with the work they do from 9 to 5.

Dr. Jessica Higgins: No kidding. I love — there’s just so much you have to offer for each perspective. If we can just go back for  a moment, for people that are maybe in the first camp – or even in the second camp – this is one of the things I loved about when you were on the show before, is such attention to the values and the priorities, and that when you’re budgeting, it’s not from this strict, more scarcity mindset, but this really balanced mindset. But when you’re talking about anticipating things that are so uncertain, what do you recommend in that way?

Ericka Young: Well, I want people to really think about, honestly, an emergency fund, what their family needs… So if you have a larger family, more risk, or people with health conditions, you probably need a larger emergency fund. So thinking about all of the expenses, but then also the uniqueness of  your family. And then yes, have a little fun; it’s okay — if we’re not able to go out and do the entertaining we used to do, or have parties, and things like that… Like, what is it that you can do to enjoy yourself? A lot of people are spending money on streaming, which turns out to be not too much here and there, but when you add it all up… Just evaluate – are you spending a little too much in this area? Are you doing a little bit more shopping?

I think it’s really good for people to look at their spending for a specific month and say “Am I okay with this? Is this in alignment with who I am and who I wanna be? Is this helping me get to my goals?”

With two-thirds of the year gone, and it’s been a rough two-thirds of the year, I do want people to go back and say “Okay, do my goals still make sense? Am I on track? What could I be doing to advance that?” If your income hasn’t been affected, it’s a great time to reevaluate and say “How much money am I putting towards retirement? Is that sufficient? Should I put more?” Now it might be an opportunity. “Am I putting more money towards my kids’ education? This might be a great opportunity.” Again, reevaluating – do you have enough for an emergency fund? And then also – sure, looking at “Does this make sense, to spend money on enhancing an outdoor space, or redoing a room in the house?” Or just, honestly, buying a can of paint and redoing a room, because you are home and you have that opportunity.

I think it’s completely fine to invest in your  home, up to a point. You wanna make sure that those other things are in balance as well, and I think it’s good for people to take a step back and say “Is this in alignment with where I wanna go?”

Dr. Jessica Higgins: I love that. And just on the emergency fund, are you finding the recommendation is changing? I do remember it being 3-6 months. What are you recommending for people when you’re saying “This might be longer than we anticipate”?

Ericka Young: It’s funny how three months seemed fine previously… And for lots of people that was enough, or what have you. Now it’s very clear that we’re not gonna have a real vaccine that people trust for a while… So I think when it’s all said and done, this will have been an entire year of our lives that has been affected. And I’m not saying that you need a year of emergency fund, but I think it’s really a good time to get up to that six months, for sure. Look at your exposure – and by that I mean what is the company saying, what is the writing on the wall where you work; are they saying anything in terms of how things are gonna be in 6, or 9, or 12 months even?

Pay attention to those things, and pay attention to your division, your group, the work that you’re doing… Are you still making money? They may not be talking, but you have to understand, if your division or group is not making money, this is, again, some writing on the wall.

And the other thing is the season for layoffs is coming, and I hate to say this; I’m not a doomsday person, the end of the year – November and  December – is the timeframe where lots of companies end up letting people go to make their books right at the end of the year. So I’m super-concerned about that for lots of people this year who may not have been previously affected.

So definitely beef up your emergency fund. Here’s the thing I’ll say – no one actually looks back and says “I had too much of an emergency fund.” But many people say “Oh my gosh, I wish I had not bought that. I wish I had not spent that money.” [laughs] So you can always go back and do some of the fun things that you didn’t get a chance to do because you were saving; it is difficult sometimes to reverse money that has been spent.

Dr. Jessica Higgins: Do you recommend that emergency fund be very liquid, or do you feel like you want that money working while it’s not being utilized?

Ericka Young: Yeah, so I prefer that it’s pretty liquid. I don’t even really like CDs, because [unintelligible 00:15:21.10] you don’t get the rate of return (I should say) at the time you take it out if it’s early… So honestly, yes, it should be a little bit liquid.

I typically tell people to go to bankrate.com and look for the best interest rate that you can get for a savings account or a money market account. Right now, 1% – you’re honestly doing good. There are some high-yield savings accounts with no penalties, so I’m seeing some people who are able to get close to 2% on a savings account. Years ago, people used to be able to get 5% on the money market, and that just isn’t possible right now.

I wouldn’t want people to have their money invested and have any volatility. It’s tough even to see a $10,000 balance go down to $9,500. You’re like “Oh my gosh, I’ve just lost $500.” No one really wants that. Of course, you’d love to see it go up, but you don’t think about the fact that it could go down.

So I think be very, very cautious with that, and keep it close by. Make it — I like online banks because they’re close by, but it takes you a couple of days to get your money, so then it makes you think about it and sleep on it, and I think that’s always good in an emergency situation, to make sure “Do I really need to take this money out?” So I kind of recommend having something close, but takes a couple days, plus maybe a few thousand dollars that really is at your current bank. So be strategic about how you do it, just so that it makes you really work a little bit harder, and think about using those funds.

Dr. Jessica Higgins: Do you have anything that you’re encouraging people – and maybe even couples – around fear and money? I was just meeting with a couple yesterday, and their story is so interesting. The wife in the couple – her dad taught her to invest at 10, and she invested her whole life, and still continues to invest. And he, at the time that they met, hadn’t invested, and had student loans… And just their perspective — and they  actually don’t talk about money, and then now with everything going on, she’s very in fear, and he just can’t talk to her, because he’s afraid of how she’s gonna come at him. And I’m just curious – less about that particular couple, but more about how people are feeling the fear around money; it’s such a basic need… I guess I’m just curious, because — balance is so important too, but it’s a unique situation.

Ericka Young: Right. Well, honestly, a lot of people fall into that camp. It may not be as extreme as learning about investing when you’re ten, but we normally are drawn to people who are not like us, and that’s what makes them so much more interesting to us. I was drawn to a person who liked to spend money, and enjoy… And honestly, travel is a big value for him. And for me, I just did not ever wanna end up in debt for the rest of my life, so I’m like “I’ve gotta get out of debt, I’ve gotta save money…” So I was the nerd when we first came together. I think it’s so important for people to talk about their past. So maybe the conversation does not begin with today’s fear. Maybe the conversation begins with how you were raised, what you were taught, what you learned, so that you can come to a basic understanding of why people behave the way that they do.

If the fear comes from never feeling like you’re gonna ever have enough, that is a really tender spot for someone. And knowing that, before you talk about today’s issues, is so  important. So the background might be the very first conversation. So I think where we tend to go wrong is we get eager beaver, and we’re afraid, or concerned, or in the moment we’re like “Oh my gosh, we’ve gotta do all these things”, or head in the sand, I don’t wanna do anything. And we don’t realize that all of that is rooted in how we were brought up, or our past experiences.

Even as adults, when we’ve had hardships or things occur, it’s easy for us to have a medical event and say “They’ve gotta save my life. I just don’t care about the cost of it” and you rack up this bill, and you hide from that. Or you lost a job and you’re like “I had to do whatever it took, and I took my money out of my 401K to make it work.” It’s those experiences that shape us into who we are today, and if we act like that doesn’t exist, we’re not doing a good enough job of being there for that other person. So we all have those experiences, and I think talking about those things first, before we talk about goal-setting, is important.

And then, honestly, let’s talk about the goal-setting. I think we tend to wanna talk about budgeting, and all the logistics, and who’s tracking the money, who’s paying the bills – and we do have to do that, but the fun part where you get buy-in, so that someone actually wants to have that conversation is where you talk about “Where do you wanna be? Where do you wanna see yourself? What’s important to you? Who wants to go to school and when? Where do you wanna live, and what is the career path or business that you wanna do? What are your interests, financially speaking?”, so that we can, again, understand where we’re trying to go and  how we can support the people that we care about.

I think if we take those two conversations and discuss it, and not even have this big committee meeting, really… Just in a relaxed environment, sit on the back-porch and just dream again – I think that builds a solid foundation for the rest of the work that has to get done.

Dr. Jessica Higgins: Yes. Do you feel that goal-setting is important in this particular season, with the pandemic?

Ericka Young: Absolutely. It’s funny you ask that question, because in the beginning of the year my husband and I had some goals… And one of them in particular was not gonna happen; the travel wasn’t gonna happen. And so we restructured and said “Okay, well what are we gonna do to honestly make it through where we feel good about the way the year ended?” And so regroup. It’s totally fine to regroup. Look back at the goals and say “What makes sense? What doesn’t make sense?”

I love it when people have a deadline, and that’s why the end of the year is such an important part of the year, so that you can see what can be accomplished in 3-4 months, and what can we do that’s going to help us in the year strong? I love doing finish strong sessions to see what is gonna help them really be successful and feel good about having ended the year. So regroup. Look back at the goals and say “Does this make sense or not? What can we do now?”

If you haven’t been paying attention to setting aside an emergency fund, how much closer to that goal can you get? Identify what the goal is, what is the actual target number; will you hit it at the end of the year, or will it take a few more months in 2021?

These are the things that, you know, looking at it and paying attention, it takes time, but it’s completely worth it. Because if you set the goal and then you reach it, it feels so great. And then if you miss it by a little bit, you’ll know what you need to do to adjust, so that you can get there.

Dr. Jessica Higgins: It feels like a qualitative energy shift too, when I think about the circumstance that we’re in with the pandemic, or any season that has a really difficult circumstance; it affects us in many ways, but financially, as we’re talking… And that we can feel that fear, or feel even victim to, and when we’re goal-setting, it almost feels like it shifts the energy around “Well, what can I do? How can I empower myself given the circumstances?”

Ericka Young: Right. Yeah, absolutely. I think a lot of people have been nervous, concerned, worried, and our focus has been on so many other things and not really on our money, unless our money has been affected. I think that if you shoot for something, if you look at it and face it and say “This is what I want, and I still want this. This is still important to me. This still matters in my life, it is still a priority”, you’ll figure out a way to get there.

If you never look at it, it’s just like the — I call her the GPS Lady. I wish she had a name. [laughter] When I plug in the address that I’m trying to get to, she can map it out for  me, but she’s gotta know where I am right now. So I have to have my GPS on, I have to have my Wi-Fi on, or I have to have cell phone service, or whatever it is, in order for her to identify where I am right now, so I can effectively get there.

So you’ve gotta look at it, you have to pay attention, you have to see where you are right now to know where you’re going to get to. And I think it takes time, it forces us to slow down, and sometimes it’s uncomfortable. We don’t wanna look at where we are right now. It doesn’t make us feel good if we haven’t accomplished some of the goals or the things that we say we want. And I myself find that there are times where I don’t share some of my goals — well, let’s just be specific. I don’t share, say, a weight loss goal with someone, because if I don’t reach it, no  one knew. So we can relay that in our finances too, and say “Well, if I don’t say it or if I don’t mention it, then it doesn’t exist, and then I haven’t failed.” And the thing is, the question I always ask people is “How bad do you want it?” If you really want it, you’re gonna do what it takes to get there. That means paying attention to the details, looking at where you are, and where you wanna be.

Dr. Jessica Higgins: Well, that’s really beautiful. There are so many things there, because as you were just talking about helping people understand the backdrop, I imagine that helps build that bond and that empathy and that support to then talk about the current fear, or the current shame, or whatever. We’re not talking about that we want, and we’re not owning, and making it visible, so that we can really stand in it… There’s so much there.

Ericka Young: Yeah, absolutely.

Dr. Jessica Higgins: What are you recommending around people who do wanna invest, and like you’re saying, with the volatility — I mean, that’s probably a different topic… But for this couple, one wants to really invest, and the other has a different perspective.

Ericka Young: Well, honestly, I think we have to have a meeting of the month. First of all, the markets started off in a bad place at the beginning of this year, and it looks a whole lot better now. So the concern and fear and worry that we had in the beginning of the year around the financial markets – it’s a night and day difference, honestly… And when you’re investing, you’re investing for the long haul, so really this is money that you ought not be touching. The volatility will be there, and know that that will happen, but over time, the market performs pretty well if you keep that money in there.

But what I say to couples though too is let’s find out where we agree. We both agree that we want to move forward and have funds set aside for retirement – yes. Probably where the disagreement comes in is in how much. Then the question is “How much do you wanna put in there? Why is that number important to you? What does that do for you mentally, to know that you’re either investing $500 or $200 or whatever the number is per month? How do you know you’re on track, and is there another way that we can both reach our goals?”

So maybe it’s not $500, maybe it’s $300, and you’re able to do something else that the other person wants for that $200. And it sounds like compromise, but really what it is is “Let’s find a way to make our goals happen.” And you’re not married to how long you do it. I always say, you can do something for a season, try it out, and you can (I say) date the idea. Maybe for a while, maybe for a season you’re doing this for right now, and then you reevaluate. And I think sometimes people see decisions as permanent. If I give into this right now, then I’m never gonna get what I want. And maybe it’s “Let’s work this out for this season, and then come back to it, and then maybe we can do something different.” You do not have to be locked into any commitments around how you manage your money.

I’m telling people right now, for those who do not have to pay their student loans, “Okay, so what can you do with that for this season? It’s just for a season, it’s just till the end of the year. Can you get a credit card paid off? Can you get more money in savings?” What can you do — or do you wanna just put more onto your student loan to get it beneath a dollar amount, since you don’t have any interest?

Again, it’s a season. Things may change when you have to go back to doing the normal way of life, but don’t  feel like it has to be forever. And I think if we think about it as a moment in time, versus forever, then we realize that we are in control of how it needs to look. Next time we have to make that decision.

Dr. Jessica Higgins: Would you apply that same dating the idea with people who maybe don’t know what that number is, or they tend to shoot too high?

Ericka Young: I always say, if you don’t know a number, let’s go back and have a reality check. I tell everybody, go back to a month that was kind of normal, meaning there wasn’t any super-big changes or fluctuation in income or [unintelligible 00:29:50.20] and look at all your spending; look at the basic spending and see where all the money is going, and face that truth, and see “Are you okay with it?” That will give you a picture or an idea of what is available to invest for your future, or to any of these other goals that you might have.

I think you can’t create a budget at all if you don’t know what the past looks like. If you don’t know how you’re spending money, you don’t know if $100 for groceries is enough. If you don’t know how much your utilities are, you’ll never be able to really say you’ve got enough on this one paycheck to pay it. So we’ve gotta face those things, so that we can make good decisions moving forward, and it takes doing a little bit of background work.

I think people need a reality check so that they can have facts versus fiction, with dollars attached to it, and know those numbers. It’s just important. And it’s hard, but I always say, it’s totally fine to have a piece of chocolate, a glass of wine, put on some music and add it up, so that you can get through what may be difficult or uncomfortable, or you’re not the biggest fan of doing that type of work. Just try and see how you can make it enjoyable.

Dr. Jessica Higgins: Right. And with the GPS Lady, which speaks to what  you’re talking about for people in the second camp, that possibly if you do look at where you are and where you wanna be, that “How do I need to get creative? What would I love? What would help me get there?”, that perhaps sparks new ideas, or a pivot in career even.

Ericka Young: Yeah, absolutely. I think now is a great time to be reading books, getting on podcasts, signing up for someone’s newsletter, having conversations, doing a book club… There’s tons of ways to get information and make sure that you’re heading in a good direction, and also have some accountability.

The stay-at-home orders for a lot of people caused a bit of isolation, but it also was very introspective, and I’m really hoping that people have found ways to still up their game, enhance their skillset, learn something new, and figure out how to provide for their families in this unique time.

Mid-stream, I think a lot of people were thankful for the time with their families, and to do those activities, and then I think throughout the summer we’ve just sort of tried to  find a new normal, so that we can enjoy… And I’m really hoping that people take this time to continue to make sure that they are assets everywhere that they are – at work, at home, in relationships, and things like that, so that we’re not stagnant… Because we pressed pause for a minute, and I want us to get back to work. [laughs]

Dr. Jessica Higgins: Yes… And the consciousness and the empowerment. There’s such agency that I feel like you’re promoting, and it’s really powerful. Not to get stuck in fear, not to get caught in the tendencies of avoidance, or hiding, and really have that honest, light look, and really be clear about where you’re going and where you wanna go.

Ericka Young: Yup, yup. Let’s face it, so we can make it happen.

Dr. Jessica Higgins: Yes. And Ericka, you are doing so much to support people that are being hit the hardest… What do you find really helpful for people in this camp

Ericka Young: Well, know what’s going on locally. There’s a lot of, first of all, mortgage programs that are allowing you to not pay your mortgage for a season, you’re able to ask for some help there, or a forbearance, if you will… Obviously, student loans – you don’t have to pay them if they’re federally funded student loans. The biggest thing is making sure that your utilities and your food and all those things are taken care of… But there is some relief out there. I know that we can’t depend on the government to take care of us; we have to get into action. I think the other thing that people have to do, especially — I’m hearing stories, sadly, that it’s taking a long time for people to get their unemployment, and things like that… But get creative. I want people to do some personal assessments on “Is this the job I need? If I try and go back into this field, is this the right thing I need to be doing? Is there some type  of business that I could be doing?” Tons of folks are wanting help with making sure that their kids are getting their work done, and they’ll pay you for it.

There’s lots of ways that we can start earning some income newly, even if it’s just for a season. I’m seeing a lot of people make the choice to look at their budget and say “Do we need to have two people working right now? Maybe for the next year we only have one of us working”, especially for those with little kids… And look at the budget and see “What is the difference that’s needed?” and how can you go and earn that on the side, or at night, or through a business opportunity. I think we’ve gotta be in control of our personal economy, and when you look at numbers, it gives you information so that you can make decisions.

So be creative, make sure that you call your creditors and let them know where you are. I do detailed work on showing “This is my budget. I can’t afford this”, that kind of stuff.

Those people who are proactive will get more done, have more — I won’t say forgiveness, but people will work with you if you know what you’re talking about. But if you’re unsure, they’re not gonna work with you as much.

So I’d say be proactive, call your creditors, call your utilities, make sure that you call about any mortgage or rent. There’s lots of local programs. On a state level, states are trying to help those who have rent… So make sure that  you’re employing those things during this season, because honestly, the last thing we need in a pandemic is to be worried about the money side of it. We wanna just stay healthy. So how can we do that and keep our family intact?

Dr. Jessica Higgins: So beautiful… Thank you, thank you for your message. It’s so inspiring, and really helping usher this empowerment and creativity, that there is so much still available, and I love that voice.

Ericka Young: Absolutely.

Dr. Jessica Higgins: How can people get connected with what you’re teaching and offering now, and what you’re up to?

Ericka Young: Well, the first thing that people can do is sign up for my 7-day money challenge. You’ll find that on 7daymoneychallenge.com. It’s one video each day. It’s less than five minutes a day, and you’re able to employ one new financial tactic that will help improve your finances within that week.

So if you can take control of your money just a little bit every single day, and see a difference in a week, that’s where we’re starting with that 7-day money challenge. It gets you on my newsletter, which also is free, and it also has monthly tips for you to stay motivated and in the game around your finances.

You can also find me on Instagram, @tailormadebudgets, on Facebook, TailorMadeBudgets, and my website is TailorMadeBudgets.com.

Dr. Jessica Higgins: Ericka, thank  you. I trust people will be engaging with those videos, the 7-day money challenge, as well as connecting with you on social media, and perhaps reaching out to you on your website.

Thank you again for your valuable time and sharing your tips and wisdom with us today.

Ericka Young: Thank you so much for having me. It’s been a pleasure.

I hope you have enjoyed today’s interview, again, with Ericka Young, as she’s offering us really important information to be able to keep our financial health intact as we’re going through a very difficult time with the Covid-19 pandemic. She’s also encouraging us to use our creativity to generate more abundance and continue the flow in our financial world, even in the midst of a pandemic.

Again, if you would like access to today’s show notes, you can visit DrJessicaHiggins.com, click on Podcast, and there you can find today’s episode. Again, today’s episode is 235, “How to emerge from quarantine with your finances intact, an interview with Ericka Young.”

Thank you for listening, and until next time, I hope you take great care.

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