#67 Money Mindset With Amanda Teixeira

When I’ve asked women in the past about what is holding them back from pursuing the thing that they are convicted God is calling them to, money is often a top response.

I hear things like, "There is such a lack of certainty about the exact plan…I would need to quit my full time job with a dependable salary to make it work and I have a fear of letting my family down”

Or

“Money and the needs of family are holding me back, but mostly money. I need money to train for different skills to be hired in a new career and I would need to feel confident”

In this episode I am joined by former FOCUS missionary and current Wallet Win expert, Amanda Teixeira to talk about money mindset. 

What can we do to best manage what we already have? 

How can discern what is enough?

And, on the flip side… How can we confidently make money in a way that aligns with our faith and leaves us feeling, guilt free for what we have?

Listen in to find out!

Connect With Amanda

• Walletwin.com
• Catholicmoneyacademy.com (Membership)

Connect With Kylie

• Book a free Confidence and Clarity Call HERE
• Follow along on IG for live prayer, reflection, coaching, and inspiration. @kyliemhein
• FREE Download - Daily Examen for Every Temperament

Transcript

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When I've asked women in the past about what is holding them back from pursuing the thing that they are convicted, God is calling them to. Money is often a top response. I hear things like there's such a lack of certainty about the exact plan. I would need to quit my full-time job with a dependable salary to make it work. And I have a fear of letting my family down. Or money and the needs of my family are holding me back, but mostly money. I need money to train for different skills to be hired in a new career. And I would need that to feel confident moving forward. So this week, my guests and I are going to talk about money mindset. What can we do to best manage what we already have? How we can discern what is enough and on the flip side, how can we constantly make money in a way that aligns with our faith and leaves us feeling guilt free for what we have? Hello, beautiful souls, and welcome to the Persistence in Prayer podcast hosted by Catholic Mindset coach, wife, mother, educator, and speaker, Kylie Hine. Kylie is passionate about helping you deepen your relationship with God through the power of prayer. This podcast is a space for high achievers who want to do it all, but also want to prioritize their spiritual life and grow in faith. Join us as we explore the beauty of persistence in prayer and the transformative impact it can have on our lives. Get ready to discover practical tips, insights, and inspiration to help you develop a daily prayer practice and cultivate a deeper sense of trust in God's plan for your life. Let's journey together towards a more fulfilled and faithful life as we invite the Holy Spirit in. Let's begin. Hello everyone and welcome back. Today I am joined by Amanda Teixeira. In January of 2012, Focus missionary Amanda and her husband Jonathan had 25, 000 in debt and a deep desire to break free. A short and zealous seven and a half months later, they wrote their last check to Sallie Mae and closed the doors on debt forever. Since kicking debt to the curb, they've focused on saving, investing, and giving in a way that set them up for total financial peace for a lifetime. Upon hearing their story, a few people asked them money questions. And they answered. That snowballed into hundreds of answers. Speaking at events, providing financial coaching, and founding WalletWin. Jonathan and Amanda live in Omaha, Nebraska with their three daughters. And I am so blessed to have yet another Nebraskan here on the show to talk about Catholic Money Mindset. Amanda, thanks so much for being here. Thank you for having me. It's my honor. So for my fellow local listeners, how long have you been in Omaha? Yeah, so I grew up in Omaha, actually in the Millard area. And then when I graduated from University of Nebraska, Lincoln, that's when I joined staff with focus. And so that took me out of the state. I was gone for eight or nine years in Illinois and in Colorado. But then as soon as our family began to grow. I knew I wanted to be back near family, and so in 2016, Jonathan and I moved back to Nebraska with the intention of knowing we were going to start Wallet Wind someday, but that day was kind of expedited as, he took a newish position with Spirit Catholic Radio that got us back to Nebraska. and then that position was dissolved only after a year of him being in it. And so that's when we began our business. And honestly, if we didn't have the support and help of our family, I'm not sure if our business ever would have gotten off the ground. So, God really, he was, he was working in all the little details as he always is. And we can't always see why he's doing certain things or allowing certain things, but yeah, he, he really orchestrated the launch of our business and we've been serving people doing Catholic financial formation since 2017. That's incredible. As Catholics, I know in my own circles, money is a tough thing to kind of wrap our minds around. Should we have it? Should we not have it? Yeah. Absolutely. Are we tithing enough? What if we don't have anything to tithe? Are we supposed to be poor? There are so many thoughts. What are some of the common misconceptions that come up when you are working with people and talking about money? Mm hmm. Yeah. So the very first thing that we oftentimes teach people, so we, our foundation that we teach is called the wallet win method, and it's comprised of four financial phases and 12 money milestones that we encourage people to work through on their path to good stewardship with money. And the very first milestone is working on your money mindset and making sure that it's actually healthy and aligned with what the church teaches about finances. And this is oftentimes where a lot of that heavy lifting has to happen. You know, spouses need to do that, work especially so that they can speak a common language around money and actually think about it similarly and be on the same financial page. Um, yeah. So some common ones, I mean, you listed off a few of them, but there is a little bit of this idea that if I'm poorer, I must be holier somehow because you know, just having too much that must make me evil or greedy or bad. And it's not true, but sometimes it's not true for reasons, that people don't often understand. So I'll say this, you know, money in and of itself, it's a neutral resource, but it is morally weighty and it poses spiritual danger for us. And I don't think you'll hear a lot of people in the financial space talk about that. And when I hear people being just afraid of money or not wanting to make a lot. So they can be poor. They're not understanding the spiritual danger that money poses to their soul. they just kind of are thinking that, oh, a lot of the saints didn't have money, so I'll just not have money. Not understanding that that was their personal vocation, that that was a call in their life, and part of that is how they became holy. If God wishes to call you to manage, a little, a lot, or a great amount of resources. He can call us to holiness and, and give us the grace to be holy with each of those circumstances, no matter what he's gonna entrust to us. And so there really is the real fear that I think people experience around money is that they just don't know what to do with it. They don't know how to steward it. Kind of like the parable of the talents, right? There were those, The three stewards and they were given, one was given one, one was given two, one was given five, the guy with five and two, they took it and they did things with it. They doubled it. They were praised by their master. When he came back, the one who had one didn't know what to do with it, buried it in the ground. The master came back, scolded him. And I think that's where a lot of people find themselves. They don't actually know what to do with the, with the things that the Lord entrusts to us. So they don't do anything. Or to feel like if they can just distance themselves from it a little bit, um, they're doing okay, but really that's, that's the opposite. The Lord expects to receive everything that he gives us, money included, back with increase. He expects it to be something that ripples out and has a positive effect in our lives and in the kingdom. And so those who feel like they need to have less to be holier. I would really challenge that person to actually examine, you know, what is the Lord actually called you to? Maybe he has called you to live a simple life or to even be called to the monastic life or to religious life, to take a vow of poverty. Is that true? Then, then awesome. That is a path to consider for yourself, but for most people, especially those who are married, who are going to be actively living in the world, who are going to be called to raise children. Having less is not going to allow you to take care of those under your charge and that is a very serious thing that the catechism talks about explicitly, that different encyclicals talk about. Even scripture refers to the man who cannot take care of those entrusted to his care as is worse than an unbeliever. It says that in scripture, we are charged to take care of those entrusted to us. And so if we have children or we're going to be in the world by that kind of necessitates that we need to know how to manage and take care of money. And it's going to be nowadays in our inflationary times, it's probably going to be a significant amount of money just to actually make life happen. And so if we're afraid of that, then there's going to be a constant state of tension with the money that God is trying to bless us with. But if we just understand what it means to be a good steward, how to discern what God's actually calling us to do, then we have no, we need to have no fear around money. And really the only question we have to ask is what, what is the Lord calling me to? That's it. And sometimes that's going to be content in our current circumstances and our money may or may not have a little bit of tightness with it. It might mean that there's a lot of resources that the Lord's entrusting to us, but we need to be discerning what to do with those resources and how to steward them well. But it's, it really does come down to discernment, our own personal vocations, what the Lord is asking of us. And then from there, how do we actually practically manage the money entrusted to us? It's going to look, it's always the same, but it's just a matter of what are we called to. Yeah, I love that you said money is neutral, but it can lead us to moral wrongdoing. So really just paying attention, which we all know, right? It always goes back to discernment. Everything goes back to discernment, to asking the Lord what He is asking for our unique situation. I know for me, when I think of money mindset, I think of two Very different scenarios. So like you said, the saints who give up everything and they just surrender everything. I don't know if you've ever read the book, happy. Are you poor by Thomas Dubay? But that is really about embracing poverty. And then on the flip side of this though, even in scripture, we have someone like King Solomon who was very, very wealthy and. So I love that you talked about everyone's journey is different and that holiness, it is possible, from what I hear you saying, that we can grow in holiness by making money. I will add this though, so I'm so glad that you brought up happy. Are you poor? We're actually getting ready to do a podcast episode on that specifically, and a review of the book. So, no, not all Catholics are gonna be called to live physical material poverty. We know that king St. Louis. You know, he's a canonized saint, and he had a tremendous amount of resources entrusted to him. He was the king of France. Okay? Very different than somebody taking a vow of poverty. We're not all called to take a material vow of poverty. We are all called to spiritual poverty. No matter if we are literally barefoot walking the streets begging, or we are literally a billionaire. We are called to spiritual poverty and detachment from our money. So, and that's where the spiritual danger comes into play. If we ever start grasping or clinging or thinking it's completely ours instead of a gift from the Lord to serve our life in the kingdom, that's when the issues begin to creep up. But yes, spiritual poverty is the call of a disciple. Can you describe that more for someone who's maybe listening and they've never really heard spiritual poverty? Can you give us some tangible examples of what that means? Yeah. So, to realize that, yeah, we're completely, you know, dependent on our Lord that we can do nothing apart from, from Christ that we, we, we can't earn our own salvation. We can't come up with the grace to, you know, become saints. He gives us everything that we need. And when we stop. Receiving that is when we end up in burnout, or in tension, or in discouragement, or despair, and self reliance, trying to do it ourselves, trying to make things happen. I mean, I think, Many moms and probably your listeners can relate to this. Just, I found myself countlessly, you know, in situations where it's like, I'm just trying to force something to make it happen. And then I realized, Oh, I forgot to surrender everything and ask for God's grace. And as soon as I do, all of a sudden channels open up or opportunities arise, or I'm just given the grace to deal with the weight. or whatever it might be that I'm in. so it's this call to spiritual poverty is realizing our complete and utter dependence on our Lord and not being afraid of that or scared of that and not even being afraid of our own poverty. That we can't do anything outside of Him. I'd say in America, we're very much pull myself up by my bootstraps and can do and, you know, a lot of us can find our identity in, making stuff happen and being a high achiever. But really, in our prayer every day, I think it's essential to our life as, as disciples that we need to come back to a place of utter, complete dependence, surrender, and abandonment. To our Lord and His holy will. And if we resist that, we are going to be the ones who break in the process. But if we embrace that, it's almost like things become easier. Things become easier. Even though our circumstances may not change, everything is lighter and easier. Because God's grace can flow so much easier. Um, more abundantly when we are in a place of complete and utter dependence. And that's really what spiritual poverty looks like. So, you know, even teaching people about how to embrace that, even with their finances, there's a myriad of just practical ways, you know, anywhere that you feel tension with your money or confusion about it or discouragement over it. Where you're discerning multiple opportunities where you could invest, etc. Always enter into those with complete and utter dependence on, on Christ and embrace your spiritual poverty first. And when we do that, Jesus, our poverty is like a magnet to Him. So when we embrace it, and we're proud of it, and we are okay with it, It's like he just is attracted to it and fills that space with himself, and that's how we draw near to him is by being okay with and entering into our own neediness and not being afraid of it. But I would say that that's a really difficult place for a lot of people to go into and to accept and to embrace, but I really do think it's the secret of the saints is to be. Totally embracing of their own lack and to know that that is how God's grace comes to us most. Absolutely. And I think that this brings me to my next question, which is we know all things in excess or too little can lead to sin, right? So, What advice do you have for finding that balance between trusting full surrendering God that there's going to be enough? He is going to provide for everything that we need. You know, I can homeschool my kids. We can survive on one income. God's going to provide versus I need to do it myself, and we need to save, and we need to plan, and we need to prepare because our economy is not in a great place right now. Everything is skyrocketing. Groceries are out of control. At least here in Nebraska, it feels like they're out of control right now. How do we kind of find that middle? No, it, it does feel like that even in Nebraska. So I, I fear for anybody in an actual high cost of living area, to be honest. Um, I think that, it's the both and, you know, grace and nature, and this is where we teach people, inside of our membership is really the marrying of these two things. We can't separate them. And St. Josemaría Escrivá, he's known for talking about extensively, in a variety of ways, of just how, we are to depend on God for everything, but we are also need to do everything in our human means. Anything that we could possibly, any door we could knock on, any window we could open, any path we could walk, we are obligated to do those things, but we need to completely trust the Lord too. And when we do those two things together, there's not, the right amount of resources will be available. But we can't exclude one or the other. So we do meet people that are tempted to go to, to one side or the other, you know, we're going to start this apostolate. We're going to launch ourselves into being missionaries and to launch this new thing. But, there aren't enough donations. And so we don't have healthcare and we're on food stamps and like, we can't even afford clothes. If you've really been doing everything entrusted to you that you possibly could to fund your mission, and you've been trusting the Lord, well, He's showing you through your circumstances that this is probably not what He's asking you to or not the right time. Because you do need to be providing. For for those under your care, and if he's not providing the means, then I would re examine things because we know that whenever our Lord calls, he also equips and we see this even in the lives of the Saints. I think of Mother Angelica. I don't know if you're familiar with her story, but you know, she was so bold. She wanted to start this television network. And it required her ordering these hundreds of thousands of dollars worth of, TV satellites. And the story goes where they called her and they're like, Mother, are you guys, are you ready for these? It's going to be hundreds of thousands of dollars, are you ready for the, the drop off? And she just said, go ahead and send them. And they didn't have the money. So someone sold that as a lack of prudence. But she was so convicted and heard in her prayer that she needed to just keep following the Lord and she trusted. And what do you know, somebody came in to EWTN that very day and had a, had a checkbook and said, I really feel called to make a donation. And then they wrote the amount that they needed for the satellites. So I think that there's, always kind of, there's a teeny bit of tension there, right? But I think the Lord honors holy boldness, but if that money didn't come, Well, I guess mother would have known that it just wasn't the right time to start what she was doing that didn't happen because he did, he did provide. But I do think we oftentimes need to examine the fruits it's possible that our discernment was clouded or we just wanted to force something. I've discerned my way into my will plenty of times, you know, if I wasn't really, seeking the Lord's will or yeah, that, that does happen. And I just want to encourage people that it's really both. And we're always striving for prudence, doing what's within our human means. So that includes things like budgeting and saving and setting aside money for emergencies. And planning for, being generous and prioritizing giving first because we can never outdo the Lord in generosity and our families need to eat and we need to have money available to, help raise our children in not only just their education, but we need to help. Whatever gifts and talents the Lord's given them for maybe an athletic gifting or a musical giftedness, et cetera. We need to be able to help foster those things. If we don't have the money for those things, then we're not taking care of them and those under our care. And so that's a situation where I would ask somebody to really reevaluate. What they've currently discerned and know that it can be a big challenge. You know, we've run into with the economy, a lot of one income families not being able to make it work anymore. And if they do discern that this is something that they really feel called to, then sometimes, and they've done everything in their power to, you know, try to get the raise and to budget. Really well and to eliminate expenses that they didn't need and to try to save money, they might need to move. That might need to be a viable conversation on the table for them. Next. They might need to move to a lower cost of living area. And then if, you know, if something just really can't be done in that situation, then they might need to consider getting a different job or a different line of work or a second job. Income added into the family and there's nothing to be ashamed of in that. But I think that sometimes when we cling to thinking that this, this was the ideal I had, but now I might have to do something different. There can be a little bit of a breaking of our identity. But really it's just letting go of what we held up as the ideal. And if the Lord's asking us to do something else. That's okay. It's just different. But I know that can be a grieving process. Absolutely. Surrendering. In the coaching world, we call it our manuals. Like our expectations for how we think that everything should play out in our own lives and everyone else around us. So just letting go of those expectations when they don't work out and being okay. With discerning incorrectly or, you know, just kind of forming it into what we really wanted and saying, I, yep, I'm pretty sure that was God when it was really us, we just really wanted it. Yeah. And that definitely happens. I think a lot of people would recognize, like, I know I need you, Amanda. I know I need you, but budgeting sounds like work and I get overwhelmed and I want to quit and I don't even want to look at it because I know it's not where I want it to be or. The second idea of it seems counterproductive to spend money to have someone help me save money. What would you say to those people? Did you know that human formation is the foundation to your spiritual castle? That is just one of the many reasons why Catholic coaching is on the rise in a world where you find yourself placing your worth in perfection, praise and productivity. God wants you to know that you are worthy simply because he has created you. So. After a session with me, here's what one client said working with Kylie was fantastic. After just one session, she helped me clear a major roadblock. Kylie is a great listener tuning into specific words, allowing me to dive into what they meant. I loved how easy it was to talk to her. She was very approachable and to close our session, she suggested focusing on two achievable needle, moving actions, which was exactly what I needed to move forward without feeling overwhelmed. I highly recommend Kylie. If you want to break through barriers and make achievable progress toward your goals, if you're ready for a foundation. That is free of overwhelmed self-criticism and lashing out at loved ones. While you're chasing your dreams. Come join me for a free one-on-one confidence and clarity call by clicking the link in the show notes. So those who are afraid of budgeting,, I think they're doing budgeting wrong if you don't like budgeting it's because you just haven't, I really sincerely believe it's because you haven't experienced the fruits of a really solid budget. And yeah, so basically budgeting is something, it's just taking the resources entrusted to you and discerning with the Lord where you're going to put that money. How is he calling you to prioritize those dollars and cents and where are they supposed to go? And when we do that, we experience a great deal of peace. And it also helps us to spot financial stressors or strains in the making well before they're even here. Because somebody who's maybe just not making enough money, you can see that in the budget. And then you can actually do something about it before you end up racking up the credit cards. After months and months go by of not making enough and having to go to the credit card to make ends meet. You can see that in the budget, but if somebody isn't budgeting, it can obviously lead to that second situation quickly. It's just sitting down and creating that plan. Of how to spend your money or how to save it or how to invest it or how to give it and that's it and that plan is really freeing because then you don't have to guess or wonder throughout the month. You can go to Costco or Target or the collection basket and know that. What you're putting in there is not harming any other area of your life. You're not harming any other goal. You're not accidentally spending the mortgage money when you're getting a coffee at Starbucks, et cetera. It's really important because it just gives us peace. Yes, it does require setting it up and then it does require about once a week, just logging in and maintaining it and making sure things are kind of synced up. But that level of work. is less is far less stressful than just winging it and hoping things work out. There's a whole lot more stress there than with just getting a budget up and running and making and maintaining it. And budgeting software has made budgeting so much easier that You know, it's just, it's just so easy, but it's as easy as clicking buttons nowadays. Really. We recommend YNAB. You need a budget. Um, people can get a free trial over at waltwin. com slash YNAB. If they want to check it out, it's hands down the best budgeting software out there. And for those who just don't want, they don't want to feel like they're an accountant. I encourage those people to just have broader budget categories. You know, I'm a little bit more nerdy. I'm in the details. My financial personality is a little more in the weeds. Somebody else might be a little more of a tune out on the details. And so for me, I like to have. 40 or 50 budget categories that I'm maintaining throughout the month because I really like to get in there and see, how much did I spend on toiletries, etc. Somebody else who maybe is not that in the weeds and they do feel a little more overwhelmed by the budget in general, maybe they only have 10 categories. So you have less, you might not have as much control of to figure out where you're spending your money, but, You then have less categories to maintain, and it can feel a little bit less, detailed, and that could be the difference maker for somebody who really just doesn't want to get into the details, or really, really crunch the numbers. And then the software makes it very easy. And then what was the second, the second situation you had brought up? The idea of, okay, but now I have to purchase budgeting software or I need to hire someone to help me figure all this out because I don't even know where to start. And now I'm spending money that I don't have so that I can save money. Sure, sure, sure, sure. Yes. We do get that one a lot. And there seems to be a little bit of cognitive dissonance around like, Oh no, in order to join your membership, to learn how to pay down debt quickly, wait, couldn't I just take that 29 and put it towards the debt? But I remind people that the plan that they've been doing hasn't gotten the debt gone. And they haven't gotten the skills, the skills. The support, the encouragement, or the plan together to pay that off. And so that's really what you're paying for. Of course, we're going to teach you strategies. So the amount of money people end up saving because they got the debt paid off a year, three years faster, and they saved all that credit card interest or the student loan interest. Well, it was a whole lot. cheaper to join our membership, actually, if they really want to get in there and do the math, but I kind of liken it to two different examples. When you are, let's say you got, you are bleeding and you, you know, you need help. Sometimes you just need to put, the band aid on before you can actually heal what's going on. You just need to stop the bleeding for a little bit. And so I liken what we do and how we teach people to just, sometimes you just need to stop and take care of the crisis. And you need to get the skills built up and the tools. And this isn't something you're going to need forever, but for a season, you might need those resources and access to the accountability, the encouragement, the easy, faster path. You're paying a little bit for just that. Convenience of everything just packaged out and laid out and you don't have to think, you know, we have designed our wallet wind method so that people can literally just get on the conveyor belt and keep making progress. Step by step. You don't have to wing it. You don't have to reinvent the wheel. Some of that mental energy is just so taxing that you stop making progress because you don't know what to do next. And so we've just mitigated that for people. We've taken that out of the equation. And so I also, for those people who pose those questions, they oftentimes, will, you know, say, why wouldn't I just save money and then spend it towards the debt? And then I ask the question of, did you go out to eat in the last week or two? And they often, they always say yes. And then I said, did you have food at home? And they say yes. And then it starts to realize that sometimes, yeah, you, you pay a little bit of more money for something conveniently, nicely packaged, even though you could have done it yourself, just so you could actually get the faster result. And so, I liken it to that as well, but we do for those people who really just can't get over that hurdle. I understand it. It exists. We do have our free Catholic money show podcast, and we have different free resources that we also, provide for people too. So if somebody really did want to DIY it and have it take a little bit longer, but they, they wanted to access all those resources themselves, they could. And that's why we make it available for people. Yeah. I actually love you have a download online that is free and I love that you incorporate scripture and you also incorporate prayer on the budgeting sheet, which I think is so essential. And that's something that makes You different. I also just think that you being Catholic gives you just a little bit different approach to how you are going to manage your money. And I think that's something beautiful for going to work with someone who's coming from the same moral background. But I'm curious, and I'm sure you get this question all the time. What makes you guys different than maybe something like Dave Ramsey? Yeah. So a few differences, you know, one, our members still get to interact with us. We are the coaches in our program. You can't access Dave anymore. I mean, that, that ship has long sailed unless you can possibly call in and get a three minute segment on his show, which is even rarer because he's pretty much retired now. So we like that direct access with our members. And we can still do that. And so, as long as we possibly can, we would like to continue to provide that, instruction just ourselves. There are other key differences and we actually did a podcast series on this. We're in the middle of it. We did three episodes already, and we're about to roll out the final two. There are differences in just some of the little practicals of, How we approach money and finance, but there are some really, really big in important details, of wealth building, particularly and economics. And the church's stance on economics is very different from a Protestant worldview. So while you might see two people, one Protestant, one who's Catholic, building wealth, the motivations behind each and underneath and supporting each are probably going to be radically different. And they matter, you know, as Catholics, motives matter. Those are the things we have to take to confession if we have our motives off or if we're doing something out of vice instead of virtue. That's the stuff that really, that God sees and that the church offers us instruction on. And I do think around money, because it can be so spiritually dangerous for us, we have to make sure that why we are doing these things are rooted in virtue and not vice. And I do see in our culture, absolutely, but even sometimes in the church, a little bit of this wealth building from a place of vice, of vanity, of pride, of power. And those are not okay reasons to build wealth. And I do see some of those attitudes in the Dave Ramsey world. And that is not how we're going to teach people to actually grow the money that God's entrusted to them. We'll teach them how to grow it, but it's going to be from a place of, humility, spiritual poverty and dependence, and from the stance of a disciple who's ready to do whatever obediently, you know, whatever with the funds that the Lord asks of them. And then as Catholics, you know, this, this one is, probably controversial with some, but we are also called to temperance and moderation. And so that means, and I see this, you know, we, we know very wealthy Catholics who could show their wealth through all of their possessions, but they don't. And there's a very, And the reason is because it's not good for us to do that. There might be some legitimate ways that our wealth will be shown through outward items that we happen to own. That can be a little bit relative, but we should never be purchasing items To just show our status and our wealth and, fit the richest faithful Catholics that you'll meet out there, take that very seriously. And they're not using their wealth as a tool. Or a pawn to. Other people to envy them or as a position of power, et cetera, et cetera, et cetera. And they're not using it in a worldly way. And I think that is a massive differentiator, from us than Dave Ramsey. Not accusing him of always doing that, but he certainly does to a certain extent. And, you know, that one, that's a biggie. Yeah, I think that's so great. I know I've worked in some very affluent schools and when it comes to fundraisers and the big auction items and just that being mindful, that temperance and paying attention to throwing our money around for power, for influence, for prideful reasons. And we see that sometimes as Catholics and then we automatically start judging people. And so it's just taking it back to our own hearts of, Paying attention. Are we being good stewards, not worrying about everyone else and growing in that temperance ourselves? This has been so helpful. Will you tell people one more time, the name of your podcast and website before we go to our final question? Yep. It's called the Catholic money show. It can be found anywhere you subscribe to podcasts. So just type that in the search bar, give us a follow and we have weekly episodes. And then wallet win. com is our main website and you can find. All of our offerings, we have a book that we published with our Sunday visitor. We have our Catholic Money Academy. We have our kids curriculum about personal finances. We have our Money Together workshop for engaged and newlywed couples. You can learn about bringing us into your parish, or you can even find our Catholic Family Emergency Binder over there. Before we close, I always like to ask my guest for a prayer tip or a scripture verse. You've given us so much to take to prayer already, but I know you had a prayer tip to share, which is one I have not heard before that has to do with your location. Will you go ahead and share that with us? Yes. When we moved to Nebraska, Omaha is 50 percent Catholic. So you kind of have Catholic churches every mile or two. So I knew. It was very feasible for us to build a home or to purchase a home already existing within walking distance of the church. And so we did that when we moved here. And then it's just made, going up to personal prayer, adoration, daily mass confession. So easy because our parish is a two minute walk away. So anytime. We have an opportunity early in the morning or late at night. My husband and I will kind of tag team and we'll each just go up to the church and we get to see Jesus almost every day. And so that's just been a game changer for us and for our family. Our kids are now picking up on that and have asked like, can I go up to the church and pray rosary? And there's nothing better to hear than your kid asking that. So that would be my number one tip is just close proximity to our Lord in the Eucharist. So good, and how beautiful to see that in your children, too. We live far away from our church, we have to drive all the time, and how precious that would be to just be right across the street to go get your Jesus time in. So anyone considering moving in the near future, definitely a tip to consider. Thank you so much for being here, Amanda. Thanks for having me. Beautiful souls, thank you again for journeying with me. If you have been blessed by this episode, it would mean the world to me if you would leave a review. Be sure to screenshot it, share it on your social media stories, and don't forget to tag me on Instagram or Facebook at Kylie M. Hine. Stay persistent in prayer, protect your peace, and as always, share the light of Christ with everyone around you.