Are you interested in raising financially savvy kids? Ever wondered how early money conversations can shape financial success?
In this special mother-daughter episode, my daughter, Jayda, and I dive into our real, honest money talks. From her first savings accounts to 401(k) contributions, hear Jayda’s journey, challenges, and insights on building financial confidence with my guidance.
Whether you’re a parent, college student, or anyone curious about empowering young adults with financial knowledge, this conversation is packed with practical advice and relatable moments. It’s never too early (or late) to start the money talk!
Here is one way you can support the podcast and YouTube channel: https://www.buymeacoffee.com/DrSevTalksMoney
My website: http://www.sevtalksmoney.com
YouTube: https://www.youtube.com/c/DrSeverineBryan–SevTalksMoney
LinkedIn: https://www.linkedin.com/in/severinebryan/
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Transcript
Dr. Sev:
Welcome to another Dr. Sev Talks Money, YouTube and podcast. I am very excited to have a that I have a special guest today. Before I go into introducing my special guest, I just want to remind you what this podcast and YouTube is all about. We’re all about ensuring that we empower women to approach money confidently, to reframe their financial habits and to build a future where their money is a tool for opportunity and security. So with that, I’d like to bring on my special guest. Today. We’re going to be talking about her money journey and how I may or may not have influenced her money journey.
Dr. Sev:
And that special guest is my daughter, Jayda. Hi, welcome to the Doctor Sev Talks Money, YouTube and podcast.
Jayda:
Hi. Happy to be here. Happy to be on.
Dr. Sev:
All right, don’t be nervous, don’t be nervous. We’re all friends here. All right, so I’m going to kick it off and my first question to you is I have shared a lot of financial advice with you over the years and so I would like for you to give me one piece of advice that I share that really, really stuck with you.
Jayda:
That money is important and needs to be respected because money is financial freedom. It’s everything.
Dr. Sev:
Okay, awesome. I’m glad that stuck with you. And one piece of advice you weren’t so quick to adopt.
Jayda:
Well, definitely starting my Roth IRAs and those high yield savings accounts, I kept pushing it off because like I don’t want to have to make it another thing that I have to remember to do. But when I realized how easy it was to just set that money aside automatically and it comes out of my account automatically, it’s not like a hands on task. It was so much easier to do.
Dr. Sev:
Okay, I’m, I’m glad and I hope my listeners are listening to really to get the message that it is easy to set it and forget it. Right. Open those accounts and set them. And so I’m glad my nagging or my encouragement didn’t go to waste. So another thing I want to ask you, what’s one financial goal that you have for the next year?
Jayda:
My goal is to set aside and save 5,000 to $10,000 before the years end next year.
Dr. Sev:
Okay. And is there a spot special reason that you want to save that?
Jayda:
Of course I want to be able to set some of that aside to go towards my, my, my financial aid student, like all that stuff. But I also want to save that. When I graduate, I’m going to go to New York and I want to be able to not have to worry about having to pull from my savings account or do anything like that. I just want to have that money. I don’t have to worry about where I’m going to get money to do something without having to pull from something.
Dr. Sev:
Okay. So it’s more like a cushion. You want to have that cushion. And this is. This is the first time I’m hearing this that she wants to go to New York when she graduates from college. And that’s another thing. I didn’t even get a chance to introduce you or for you to introduce yourself. So tell us a little bit about what you’re doing right now.
Dr. Sev:
You’re in college, what are you studying, and what are you doing for your. To make money on while you’re in college?
Jayda:
Currently, I am in college for criminology with a minor in digital criminology. I am hoping to work with children and help with the exploitation rings and crack down on the AI that has been running rampant within our society and the ways it’s been used to exploit children and women. And I’m currently working at Sephora. I work. I used to work part time, but I recently got promoted to full time. So I am finally in a place where I can really aggressively start saving money.
Dr. Sev:
Okay. Awesome. Wow. See, I’m learning so much. I’m learning along with you guys some of the goals and dreams that she has. And I am so proud to hear that you are what it is that you’re wanting to use your degree to do. I am so proud. And Beverly’s chiming in here.
Dr. Sev:
She’s saying, hi, everyone. Glad to see you, Jayda, I’m sure you’re.
Jayda:
Hi.
Dr. Sev:
And she’s saying, yes, I agree. And AI will only get worse. It is so, so having people in place who are aware of the good things that AI does, but also the dark side of AI can only help to corral that tool and so that it can be used for good. All right, so here’s another question. I have lots of questions for you. Here’s another question that I have for you. When you first open your. When you open your first High Yield Savings account or your Roth and your Roth ira, what made you decide that it was the right time?
Jayda:
When I realized that I. I’m very privileged. I am still living at home. I don’t have any major bills to pay. I’m in a place where I can set this money aside now I don’t have to worry about, okay? I have to do insurance, and I have to do the car, and I have to do the house, and I have to do all this stuff. I can just set this. I can still have fun, but I can set a lot of money aside now so I’m happy and safe later on.
Dr. Sev:
Okay, awesome. So basically you’re saying you realize it was a time because you didn’t have the responsibilities of adulthood because you’re privileged. And you said that word, right? You’re privileged. And yes, because there are a lot of people who are in your position. They’re going to college and they’re working part time and they may have gotten full time like you did, and they’re making. They have to live off the money that they’re making. But you are not. You’re in a good position because you are able to set aside that money now so that when you go out on your own, you have some cushion.
Dr. Sev:
So I’m glad that you saw that. You’re seeing that. And it didn’t take, as you said before, it didn’t take a lot. It’s for you to just set aside a small amount and have that built. Now, I know that I shared with you at one point, a couple of times, a calculator, and I showed you how $20, how over time, over several years, it can grow into an exponentially higher amount. Did that have any influence on you at all?
Jayda:
Definitely that. And also when I had opened that High Yield Savings Account, it also kind of gave me a breakdown on coming into the next year, how much $50 a week would grow into such a large amount. And seeing it going in passively, it’s like, yeah, why am I. Why am I not doing this? You know?
Dr. Sev:
Okay, awesome. Oh, my word. You are just sharing so many gems. And the key I think here that I want people to get is again, that you can start small and compounding will have its effect. It will take effect and will cause your money to grow. Because when you started, you started by opening one High Yield Savings Account, and as you said, you saw the growth, and then you decided to open a second High Yield Savings Account. I didn’t. Let me find out.
Dr. Sev:
Why did you open that second High Yield Savings Account?
Jayda:
So I have my first one because that was the account that I. Because unfortunately, the first time I did go to New York, I wasn’t responsible. And I spent a lot of the money that was supposed to be set aside for my student account to go back to my. My loans. I spent a lot of it going to New York, and now I’m wanting to replenish that account again. But I also realized that I still want to have some Money for fun. For other things. I do have a couple items that I’m wanting to save up to buy that are large purchases.
Jayda:
So I needed to set those accounts aside and have them separated because I knew that if I had just one account with a whole bunch of money in it, I would start pulling for things that were necessary but not necessarily something I needed right away. So I wanted to just have two accounts that I could have separate things for essentially.
Dr. Sev:
Okay, awesome, thanks. So wonderful. Yeah, that is a great way to be able to keep your savings because once you’ve named your account, you know, even if you don’t give it an official name, once you’ve named your account, it creates some barrier to withdrawing that money. It creates a sense of accountability because you’re more. You’re liable to not touch that money because your set aside for this specific thing and so you’re liable to not touch that money. Awesome, awesome. Share. So I see that we have a couple of people joining us, several comments that are here which we’ll share in a little bit.
Dr. Sev:
So with your full time now delving employed by Sephora and being given moved into a full time position, they gave you the option to invest in your 401k and within a few weeks you were invested in your 401k. So how did you approach that decision to start contributing to your 401k again?
Jayda:
It’s just, it’s a passive thing. It’s coming straight out of my paycheck. I don’t even realize it or see it until I occasionally check to see what’s the total. Currently it’s only at $93 but it’s going to grow continuously because COL matches dollar for dollar. So I have the opportunity to save from my job and them paying me essentially to save money as well. And that’s money that I don’t have to stay at the job for a year, two years, three years. When that money, when I leave that money is mine, I can take it with me. So it’s just like no point in not doing these things that will save me money.
Jayda:
Even, even my managers encouraged me. They’re like yeah, take advantage of all these things because Kohl’s is great with the 401k, the health plans, they all these things that they provide for their employees. They want to help them.
Dr. Sev:
Okay, awesome. You said something very key. You said they are paying you to save money. That is so key for people because there are people who don’t take advantage of their 401k. And you know, I’m Just about busting with pride. Because the things that I’ve been saying to you are, have taken root. Because now not only are you giving, if you give a hun, if you save a dollar, they’re giving you a dollar. So you’re actually saving $2.
Dr. Sev:
And it’s your money to take with you when you leave.
Jayda:
I tell my coworkers, even the co workers that have been working full time since they started, I’m like, take advantage of this because I just found out about it. I already have 93 saved up that I didn’t have to do anything. Like beans, paychecks, they’re so great. And I understand that, like, because some of them, they are, they’re living alone, they have their own apartment, they have a lot of things that they have to take care of. And I’m like, that 5, 13 that comes out of your paycheck is going to double and increase. I tell a lot of my coworkers, I’ll just start bugging them like, oh, yeah, I just have a highly high yield savings account. I open up, that’s money. That’s, that’ll grow and become yours.
Jayda:
That’s like, you put $5 in, you’re going to grow to $10. That’s money that you can keep. That’s yours. And I kind of try to educate all my coworkers about it because that’s free money. It’s free.
Dr. Sev:
Yeah. Awesome. Yeah, because, and here’s the thing with personal finance and education, because I am sharing those things with you and I do those on a regular basis. I don’t come and say, okay, sit down, let’s talk about money. I talk about money in our everyday conversation. Like you made and all those Amazon that come here at Jayda, I want you to have fun. But just remember, you got to divide up your money and you got to save some, you got to invest some, because you got to think about, I’m not going to live forever. And so you want to make sure you have some cushion.
Dr. Sev:
So I. Not only am I putting those thoughts in your head, that you are spreading the message. And that’s the main goal of the doctor said talks money, YouTube and podcast is once you influence one person, it’s not just one person that you’re influencing. You are influencing generations to come. You’re influencing their entire circle. So this is just a wonderful thing that I’m hearing from you, that just my conversation with you has now reached beyond you to other people. All right, so let me see, what other question did I have for you? Oh, let’s see. I know we’ve had several conversations, right? Can you think of a time when I shared something with you that it just did not click?
Jayda:
It just.
Dr. Sev:
It didn’t make sense. But later it made sense for you.
Jayda:
It was a conversation. You probably don’t even remember it. Back when I got my very, very first job at Chipotle and you were telling me, open that savings account now, because you. That’s. You don’t really have anything. Bills, you don’t have anything to do. You’re young, you have all this money coming to you that you don’t know what to do with. And at first I was kind of like, this is my first job.
Jayda:
I’m going to spend all my money and do what I want. And I don’t really care because I just want to spend my money because this is my money that I worked for. And looking back now, I’m just thinking about all that money that I could have saved, that I could have been putting towards my. My loans, putting towards buying all the things that I had wanted, those purchases that I had made, borrowing your credit card, then paying you back over time, things like that. I could have just had that money, pulled it and spent it on the furniture that I needed, a new laptop, all those things that I do need. So looking back, I wish I had taken your advice sooner on just putting that money aside, even if it was just a little bit at a time. But now that I’m doing it, I’m doing it now so I can have it now, essentially.
Dr. Sev:
Yeah. And the thing is, it’s never too late, right? It’s never too late to do what you need to do. They’re the same. When is the best time to plant a tree? I think they said it was the best time to plant. It was 20 years ago. And then your best time is plant now or something. I know I’m messing up a statement, but it’s just never too late again to do what. What you can do.
Dr. Sev:
Because the. And the good thing, too is sometimes it’s best when we learn those hard lessons, because now it’s stuck. And you’re saying, okay, now as you go forward and you go into the world of work and you make a lot more money, now you can start thinking strategically about your money, because it’s not just, I’m going to. I’m getting this patient and I’m going to go blow it. Now you realize if you blow it, what are the opportunity costs? What are the things that you’re giving up by just Spending all this money at one point, you still want to have fun, but you want to do it in a way that makes sense. Because as Beverly said here, better late than never. It will still grow. And the good thing is you are young, so you have an opportunity to make more mistakes.
Dr. Sev:
Like for me, I can’t make a lot of mistakes right now because I’m older. Right. So we have the opportunity to make some mistakes and from those mistakes can learn how to grow your money. All right, so let me see, I had a few more questions. Do you feel like managing your own money has impacted your day to day choices or priorities in any way?
Jayda:
Yes and no. I mean, there are definitely times where I’m thinking, what can I do? Like, if I save this money now, what can I do in the future? Because a lot of the times my coworkers, they want to go out to eat and I’m like, hey, no, I can’t. I can’t do it today. I’m sorry, I just don’t have. I have the money, but I need to go grocery shopping. And that comes first between eating out, because I can eat at one time, but I’m not going to have lunch.
Dr. Sev:
For the next week.
Jayda:
So there are a lot of times I’m like, I have to think about how I’m going to spend my money so I can have what I need for the future. But there are also times where I’ll see something and I’m like, I have the money for this. I’m going to buy it now because I want it. So I just have to kind of get into that mindset to understand. Like, I need to kind of be more hard on myself about what I have versus what I need and what I need to spend it on.
Dr. Sev:
Yeah, and I don’t like the word hard on yourself. Again, it’s. You don’t want to be hard on yourself because you don’t want to think of it as deprivation. You want to think of it as, okay, I want this phone, but at the same time, I need to save for a new computer and this computer is going to help me to do xyz. So if I were to buy the phone, how much longer would it take me to save for the computer? And do I, can I put off buying the phone? Because buy the phone is just me wanting a new phone. It doesn’t really contribute to anything. I can still use the phone I have, but if I were to wait to get that new computer or I would have save and not get the phone and buy the new Computer, then here are my opportunities. I can use it to do some part time jobs.
Dr. Sev:
I can do it for my schoolwork or, you know, so those are the kinds of things you want to think about your choices. Because we all have choices. And it’s not about whether they’re bad or good choices. It’s choice. Right. Because money is neutral. It’s not bad or good. It’s the choices that I make with my money.
Dr. Sev:
And then when you make that choice, what are you giving up? Are you willing to give up that other thing? Because you might not realize that you’re giving up that other thing. So when you get into the mindset of let me think strategically about my money and on a regular basis without it becomes natural. That’s great. Because now you’re thinking, if I make this choice, this is what I’m giving up, and do I want to give it up now? It’s not that it’s bad. It just may push your goal back a little bit more. But are you willing to push your goals back a little bit?
Jayda:
Yeah. Yeah. Because working at Sephora, it’s definitely like, I see, oh, this new eyeshadow palette just came out. Oh, this is so beautiful. This new foundation just came out. But now working full time, I get free product every month. So I’m looking at it like, do I need this new eyeshadow palette when I have the palette with the same colors in it, but maybe one eyeshadow is different? I don’t really need it right now. Yes, it’s pretty, but I have three eyeshadow palettes that are full.
Jayda:
Why do I need to buy another one just for one color that I think is pretty? So I’m kind of finally starting to realize that, you know, I don’t need it right now. As pretty as it is, I can sit on it, I can wait on it. And if I absolutely still think that it’s, I can buy it and I have enough. A little bit stepped over. Yeah, I can go ahead and grab it, but I’m not going to jump at it like I would usually do.
Dr. Sev:
Yeah, that’s awesome. Because, guys, she spent hundreds of dollars in support. Okay. Hundreds of dollars. I’m like, why do you need more makeup? You hardly have makeup. But that’s a story for another day. We get in there, we’re getting there. All right, so let me see.
Dr. Sev:
I think I had about two or three more questions. If you could give advice to other young adults starting their financial journey, any advice that you think they should hear at this point, what would it be or do you have one or several?
Jayda:
Start now. I mean, it’s so easy. Just. It literally took me five minutes to open my high yield savings account and five minutes to open my Roth IRA and as little as $10. If putting away $10, taking $20, putting it in a savings account that will automatically dump into those accounts. It’s so simple, it’s so easy. And you won’t even realize how much you’re saving until you look back and you see, oh my gosh, I have $500 put away that I didn’t even realize I was putting away until I checked it again. So it’s definitely just start now.
Dr. Sev:
Yeah. All right. And I guess my next question is probably something that you just answered, is looking back, are there any money habits or concepts that you wish you’d started sooner?
Jayda:
Yeah, definitely. I mean, putting it away, just setting it aside to then automatically dump it to another account. I wish I had started it sooner. I’m glad I started it now, but I definitely wish I had done it sooner when I had less to worry about.
Dr. Sev:
Yeah. Yeah. All right, so we talk about some of the things I want to share now. Some of the things that, how we approach the discussion around money. So like, for example, we talk about the Amazon, right, All the boxes coming in, and I’ll say to you, hey, Jayda, you may want to consider you’re spending a lot of money on delivering Amazon, you know, with Amazon deliveries. Or you may want to think about maybe what do you really need? Because that’s a lot of money you spent. Because when you spent that money, because you’re on my card as an, you’re as an authorized user, when you use up your cash, you use with the card and then you pay me back. So one of the things I always share with you is you don’t want to your paycheck to catch up your debt, meaning you don’t want to always have debt that you’re, you need your paycheck to cover.
Dr. Sev:
So you’re always in that cycle. You charge stuff on the card. You gotta pay me. And so now you don’t have enough cash. You gotta charge yourself on the card again and you gotta pay me and that type of repeats. So I think something like that, if parents or grandparents or whoever you’re listening, something like that is what you want to share with your, with your, you know, whoever you are mentoring or speaking into that. Be careful about having your debt chase your, your, your, your income, chase your debt, because you’ll always be in the cycle of debt, pay that again. Pay, debt, pay.
Dr. Sev:
You want to get ahead of that cycle. And that’s one of the beauty of having emergency fund.
Jayda:
Mm. Yeah. Because another thing, I definitely. I spend a lot on Uber Eats. And, like, I can cook. I know I can cook. I can go into the kitchen and I can make a meal that could last me a week. But sometimes I’m just like, I don’t want to.
Jayda:
I’m just gonna order. And then I realize, oh, I spent all this money on Uber Eats. Now I don’t have any money, and I have to charge to buy lunches or things like that. And another app I use, definitely, I really shouldn’t be using it, but I use Klarna a lot. And I’ll think, oh, I can just split in four payments. It’ll be fine. Without realizing, sometimes I want to call off work, and I don’t want to. I just want.
Jayda:
I don’t want to go in that day. And now that’s less money in my pocket. And then when the Klarna charge comes, I’m like, oh, if I had just worked that day, then I could have put that money into the Klarna. But now I’m having to take more money out from a smaller paycheck when I already owe my mom back and I already have to do this. And it’s like, it’s a lot of those. Those apps, they’re definitely a trap. I mean, I. I watch a lot of TikToks about Klarna and how afterpay and Klarna and affirm, and those apps are traps, so you need to stay away from.
Jayda:
And I’m always just like, well, I’ll have the money, but sometimes I don’t have the money. And I have to remember that money is not something that is guaranteed.
Dr. Sev:
Yes, that’s a great point, because you talked about the fact that you. Some days you don’t want to go to work and. But. But because, you know, you owe me. If you have a charging card and you have Klarna that you have those payments to make, you have to go into work. And that is the trap that a lot of people are in because they’re in jobs that they don’t necessarily enjoy, but they can’t quit because those debts, again, those paychecks have to chase the debt. And so I’m glad that you’re recognizing that. That those things are convenient, but they can be dangerous.
Dr. Sev:
And not that you can’t use them, but you have to be mature enough to understand the impact and how you can manage them so that they don’t become the traps that people are on Tick Tock. And I’m glad whoever is on Tick Tock is saying something about it in this way because Tick Tock has a lot of misinformation, a lot of information that’s not quite right. But I’m glad that there are people on there who are saying, speaking up about these things as trap because they can become traps. So I think I’ve come to the end of my general questions that I want to ask. But I do want to say this to those who are listening again, I hope you’re getting the lessons that and how I was able to integrate our personal finance discussions with Jayda. Again, it wasn’t that I sat her down and said this is what you need to do or this is why you know, mustn’t do this. It was during the everyday conversations, something that you probably don’t remember, which came up in a Facebook memory today, which was so appropriate, is that you were listening on to. You’re on Tick Tock and listening to somebody and you were having this conversation.
Dr. Sev:
And I posted it on Facebook. And you said, I can’t believe this person is going to spend $50,000 on people she don’t know. And you said again, I would not spend more than 3, $300 on a ticket to go to a concert. You could, this money could pay off a student loans. And that was. That really tickled me because that showed the maturity of your thought that you can understand that it’s not worth spending this money 50,000 when you could have other things. And the fact that you said 300 is the most you spend, that is great because you’ve barrier for how much you would spend on these types of expenses. And that’s a great thing for anybody who’s listening.
Dr. Sev:
You know, you decide what your limit is on any of these expenses because the bottom line is not to have you not drink your coffee. It’s not to not have you not go buy the shoes. I want you to buy the shoes. I want you to go out and have fun. But in your budget and if it’s not in your budget and you do it, what is it going to derail? What is it going to stop you from doing if you decide you are going to spend it now and you haven’t prepared for it? So it’s a matter of balancing preparing for something that you want in the future and still enjoying the present. And what are the opportunity costs of those things if you do it now, when you didn’t prepare for it, right?
Jayda:
Because a lot of the times people just buy something now and that same item will come up and be on discount or there’ll be coupons for it. Like right now, currently I have a laptop that I want to buy. It’s a Lenovo, like a gaming laptop and it’s nearly $2,000 if I were to have bought it at Best Buy. But I’m like, let me check around first. Let me look around and see how much I could save at other places I go to Lenovo site, I slash down nearly $1,000 off with student discount, extra discount, extra discount just for it being a certain amount over in the cart, saving a whole lot more, buying it from somewhere else and waiting and looking for coupons, looking for deals instead of just saying, I want it now, so I’m going to pay full price regardless. That’s one thing I always talk about with my co worker because she, she loves name brand stuff. So I’ll tell her like, girl, if you don’t go to Thredup or like a resale shop and you can find that same thing for cheaper or they always talk about this perfume. I like shopping.
Jayda:
I don’t, I don’t even shop full price Sephora perfume anymore. I’ll say, okay, I want this perfume here. I can go online to these discounter stores and get it for 30, 50 instead of spending $200 for the same product. It’s like there’s so many ways to save money that I didn’t realize until I started looking for it.
Dr. Sev:
Awesome. Awesome. I think that is a great, great way to, to wrap this up. This is a great point to wrap this up. I don’t see any questions in the chat and I have been so, so, so proud of you. I’ve learned some things while having this discussion and you know about, especially about that New York. So you may want to reach out to your dad and talk about New York because since he’s living in New York.
Jayda:
Yeah, that’s, that’s, that’s not a plan. Until 2026. I know I’m not going to be able to say, I don’t want to rush to save that money. 2025. I want to save it until 2026 when I know I have more than enough and not just enough.
Dr. Sev:
Okay. Oh man. Okay. When I have more than enough, not just enough. And on that note, I think we can call it a day now for, for those of you who are still watching or those who are going to be watching the replay, I Want to let you know that December 1st through the 24th we are going to be doing a live stream. We meaning me, doing a live stream from December 1st through the 24th every evening at 7pm Eastern time. And you watch all my social medias, you’ll see the information. I’m going to be having guests on some of those live streams.
Dr. Sev:
We’re going to be talking about managing the holidays while you’re having adhd. Why you have adhd. We’re going to be talking about money, mindfulness. We’re going to be talking about financial trauma. We’re going to be talking about a lot of different things. So I’m going to be having guests on some of those days. We’re going to talk about ways to save money, how, what are some ways you can earn extra money, all the things money. We’re going to talk a lot about money and we’re going to be talking about the darkside of .
Dr. Sev:
Reciprocity.
Jayda:
Reciprocity.
Dr. Sev:
Yes, yes, talking about that because during the holidays that is a big thing because when somebody gives you a gift, you feel inclined to buy something. And there’s a dark side to that because you could derail your financial, you know, your financial plans. So I don’t want to be go deep into that. But please come back 7pm Eastern time every night from December 1st through the 24th. We’re going to go live sometimes again with guests and come and have your questions because we will have the guests answering your questions as best as we can. If it’s more detailed, we will have you make an appointment for a free consultation depending on which guest and what the topic is. So with that, thank you so much again for coming on. For everyone who commented, I hope I acknowledged all your comments.
Dr. Sev:
I try to share them on the screen. Thank you so much and thank you Jayda, for agreeing to be my guest on the show as I’m, as your mom. I am very, very proud of what I’ve been hearing from you and it’s good to know that I have that impact on your financial walk. And so for those of you who are wanting a coach, please contact me on my website. I’m going to put up the, the link here that you can contact me and you know, you can contact me to work together. For those of you who are going to be listening to the podcast afterward, I will make sure it’s in the show notes that you can book an appointment. You can get a free consultation to talk to me to see whether or not we’re a good fit to work together. And I also have a woman’s financial coaching group that’s coming up.
Dr. Sev:
So if you don’t want to work one on one, but you want to be in a group, that’s going to be an option very shortly. And with that, thank you so much. Have a wonderful, wonderful rest of your day. And we can’t wait. And as Beverly said, great session. Thanks, Jayda.
Jayda:
Thank you.
Keywords
social media impact, misinformation on TikTok, financial priorities, financial maturity, comparing prices, budgeting, pre-planning expenses, financial derailment, money management, ADHD, financial mindfulness, gift reciprocity, financial coaching, women’s financial coaching, savings accounts, 401(k) participation, employer benefits, free money, personal finance advice, saving and investing, reflecting on past spending, learning from mistakes, lifestyle choices, balancing needs and wants, financial freedom, Roth IRAs, high-yield savings accounts, financial goals, digital criminology, compounding interest.
