Unlocking Financial Confidence: Journey to Empowerment with Jen Hemphill of Her Dinero Matters

In this episode of “The Power of the Ask,” Precious Williams and Lisa Zeiderman explore the world of financial confidence with Jen Hemphill, an accredited financial counselor and the host of the podcast “Her Dinero Matters.” Jen shares her journey of becoming a financial counselor, shaped as a military spouse. Her interest in finances developed from managing her household budget and receiving guidance from her husband. After enrolling in the FINRA Foundation Military Spouse Fellowship Program, she became an accredited financial counselor and embraced entrepreneurship to build a flexible career.

Jen’s childhood in Colombia, marked by financial hardship, profoundly shaped her perspective on money. She believes understanding your “money story” is crucial for breaking free from negative patterns and building financial confidence. For Jen, financial confidence is a mindset — trusting your ability to make sound financial decisions, learning from setbacks, and committing to lifelong financial education. She cautions listeners that without this confidence, you could remain stuck, unable to take the necessary steps to improve your financial well-being. 

Join Jen, Precious, and Lisa as they discuss: 

• Common financial pitfalls, including failing to plan for occasional expenses and not knowing your true bottom line.
• The impact of mindset and how our beliefs about money influence our financial habits, as well as how to shift those beliefs for greater success.
• The power of asking! Why it’s crucial for women to advocate for themselves financially and ask the right questions to achieve their goals.

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About Jen Hemphill:

Jen Hemphill, is a seasoned Accredited Financial Counselor dedicated to empowering others on their journey to financial confidence. After facing financial challenges,  Jen began sharing her experiences and insights through her podcast, book, events, and speaking engagements.

Her passion lies in helping people navigate the complexities of personal finance, transforming their financial confidence to positively impact every area of their lives.

Important Links:
Savvy Ladies
Precious Williams' LinkedIn
Lisa Zeiderman's LinkedIn
Jen Hemphill's LinkedIn

Transcript

Lisa Zeiderman (00:07.185)

Welcome to the Power of the Ask podcast, the podcast that helps you get what you need financially and personally. We are so glad you're here today. My name is Lisa Ziderman. I am managing partner of Miller Ziderman and I am one of the co -hosts with my dear friend, Precious Williams.

Precious LaTonia Williams (00:25.235)

Hi, Queen Lisa, love it. And I'm Precious Williams, a killer pitch master and proud founder and CEO of The Perfect Pitch Group. And welcome back. So this week, we're so excited to introduce you to Jan Himpil, an accredited financial advisor and host of the podcast, Her Dinero Matters. Ooh, don't worry.

Precious LaTonia Williams (01:13.159)

And as y 'all know, in the Power of the Ask podcast, we always have amazing guests. So we're taking a little taste of Jen Hemphill, who's a seasoned accredited financial counselor dedicated to empowering others on their journey to financial independence and confidence. After tackling financial challenges, Jen began sharing her experiences and insight through her podcast, books, events, and speaking engagements. Her passion lies in helping people navigate the complexities of personal finance, transforming their financial confidence to positively impact every area of their lives.

So Jen is also a 2024 honoree for Finfluencer. Did y 'all hear that? Finfluencer of the year for our Power of Impact Awards gala on October 28th at the NASDAQ building in New York City. Jen, it is such a pleasure to have you here with us today and we can't wait to hear more.

Lisa Zeiderman (02:08.659)

We are really excited to have you and I'm going to ask some very interesting questions along with Precious So we can't wait to dig in here So to begin with can you share a bit about your journey? What led you to become an accredited financial counselor and maybe you could even explain to us what an accredited financial counselor is first?

Jen (02:29.348)

Sure. Well, first of all, thank you so much for having me. I'm excited to have this conversation. an accredited financial counselor is essentially it's through what an organization called AFCPE. And essentially we are helping guiding people in their finances. We're not advising them on where to invest in stocks and bonds, but I'm really it's more on the financial education piece.

And more of a holistic approach. So that's essentially and how I came to be as one, I'm a military spouse. So as a military spouse, one thing that I did know and fortunately, my husband guided me along the way with that is we were going to move a lot, but I was also wanted a career and I also wanted to be at home whenever we started to have kids and I didn't know what any of that looked like.

But I was clear on what I wanted and I was had to figure it out, figure it out along the way. What I also knew and my husband really actually made me realize my interest in finances, cause I was the one doing the budgeting. I was kind of telling him, Hey, don't be spending on this or don't be spending on that. I was really the one taking charge of our household finances. So later down the line as I was exploring, what do I do?

As a military spouse, what do I get into that I can take with me with every move that allows me the flexibility to be at home whenever we start when we have kids. And that led to my husband sending me an email from the FINRA Foundation, where they were offering what's called the military spouse fellowship program. Or that's an actually it's a program that's existent still to this day. And it started I think back in 2006, I'm a 2008 fellow. so I went and got my went through the training and in classes, became an accredited financial counselor. And then it was trying to figure out, okay, now I have this. Now what? What can I you know, how do I actually implement this? Yes, I can do provide financial counseling. And but exactly how do I how do I go about doing that? And that's when I dove

Jen (04:56.154)

Unbeknownst to me that this was going to happen. That's when I dove into the world of entrepreneurship and how to become an online entrepreneur because essentially that's exactly how. So that's exactly how I got started is finding, know, trying to figure out I knew what I wanted to, I knew what I wanted out of life. I just didn't know what that looked like. And then I was flexible. As to what it could open up to, because I did not ever envision myself as a small business owner. So that's the story.

Precious LaTonia Williams (05:35.293)

You know what sounds amazing is you being open, you being open, handling finances, but also being open and being a military wife and wanting still your own career. So even in saying all of that, what were some of the biggest financial challenges that you all faced and how did it kind of shape your approach to helping others beyond your family?

Jen (05:46.13)

Mm

Jen (05:56.466)

Well, like any other nearly married couple, we definitely faced a lot of financial challenges. We had to navigate learning each other, learning their own financial habits and what we wanted and, you know, what we wanted our money to do, and really coming together as a couple to figure out what are our financial goals. But what I didn't know, and I feel like that was my biggest challenge later, what I didn't know was how much of an impact that my upbringing or our upbringings have on how we perceive money, how we manage our money, and the decisions that we make with money. And that I didn't really, I didn't have that realization until 10 years into our marriage where we had good financial habits. I was definitely the saver. I liked to save. He liked to spend but we would use our credit card responsibly where we would use it for expenses and some bills and we would pay it in full. So we had some good habits that didn't create any more debt. But 10 years into our marriage, we had just PCS and we moved to New Jersey, to McGuire Air Force Base, New Jersey. He deployed.

And I was doing what I usually do when we're a new duty station. I was looking at our finances. I was readjusting the budget. you see, I had some good financial habits, right? But what I didn't realize at that time, or what happened at that time, I should say, is that I was looking at our finances and I was not seeing the needle really move. So 10 years have passed. we've been together married 10 years. We still were in student loan debt.

We didn't have any credit card debt, but we had student loan debt. We were depleting our emergency savings. Remember, I was a good saver, always a good saver, but we would find ourselves depleting our emergency savings and they weren't necessarily emergencies. We were also taking money out of the 401k, which yeah, so we were taking money out. So I was, really questioned myself because at this time,

Jen (08:12.518)

I was already in the process of becoming a financial counselor. So I was already getting more of that education at this time, even before becoming a financial counselor, I was reading personal finance books, my family and friends look to me for financial guidance. So when I had this moment, I have well, you know what, we don't really have it together. There was a lot of shame and guilt around that because I was looked upon as smart with finances and granted, it's not to say our finances were in a lot of disorder. It was just, we weren't making a lot of progress. And as I started questioning as to why that you start to question and ask these questions and you start to reflect, I realized that one thing that kept on recurring in my mind is the thought of, don't have the money. We can't afford this.

And that was a constant in my life. And when I asked myself, why when we are doing okay financially, you know, we're not necessarily living paycheck to paycheck. Why, why am I continuing? Why am I thinking this way? And what I realized was that that's what I heard growing up. I heard that all my life. And so that translated granted we're a couple. It's not like it was all me. You know, he, had a different upbringing.

Jen (09:37.426)

How that what happened with that because as a result of my upbringing of I was born in in Colombia and we came to the States when I was eight and in those times I made you myself a little bit but in the 70s or early 80s and that economy in Colombia was not that great was hard to get a job both my parents are first gen to go to college

Precious LaTonia Williams (09:52.489)

You're in good company.

Jen (10:04.346)

My dad, as an American going, he was, you he was a foreigner there in Colombia. It was hard to get a job and even with a financial education. So as a result, he was pumping gas. He was baking and selling baked goods. He was doing what he needed, what he needed to do, whatever they needed to do. So all that, there was a lot of challenges and I saw my parents distress and arguments and all that, the lack of money.

Precious LaTonia Williams (10:21.693)

He's doing whatever he needs to do.

Jen (10:34.172)

And so we moved to this move to the States and I say move because I have the privilege privilege that my father is an American citizen. So I didn't have to go through all the process of immigration like others that come from other countries. So we got to the States, my parents started over, but I always heard them tell us if I were to ask them and I was that kid that didn't really ask a lot of times I heard only once or twice we don't have the money. So I didn't like to ask my parents for money.

So what happened is an adulthood, I didn't realize that that continued that thought process, which therefore led to actions, decisions, and that depleted those funds. And granted, it was not all me. Again, this is, you know, we're married, my husband and I are married, but I just realized how much of an impact that mindset has on our decisions. And if we're not aware of our, what I call our past money story,

Our current money story, we're going to see some of the same cycles. And so we can't change the cycles unless we're aware of them, especially those cycles that don't serve us.

Lisa Zeiderman (11:46.695)

Fascinating actually and I think that that's right in terms of the paths being so important so that you understand the cycles which really brings me to my next question. You've talked about financial confidence and it had to be very hard I would think for you to build financial confidence. So do you feel like you actually have managed to feel financially confident. Or if not, what does it mean to you to feel financially confident? And why do you think it's so crucial for people to actually develop that inner feeling of financial confidence?

Jen (12:25.874)

Well, first, financial confidence is a state of being, it's not necessarily a state of belief of feeling the belief, you know, having beliefs that don't serve you can influence that confidence, right? But really, financial confidence, in my opinion, is a state of being, it's the state of being of trusting yourself to make decisions with what you know, and that you're in really proactively learning and being okay with failing because even though I've done this for so long and financial professionals have years and years of experience, they're still going to have financial mistakes. But the difference I think is not necessarily in financial professionals, but in someone who is financially confident.

Is that they're going to take those actions. They're going to trust themselves because they know their own financial situation best. And they're also proactively learning, meaning they're doing the reps. Like you do the reps at the gym. So when you do those reps at the gym, you're lifting weights, you're getting stronger, right? And you need strength like to in case you just fall, if you do or you're doing those reps, you can get back up quickly. So

Financial confidence again is the state of being you have to trust yourself and It's really important because when we're not financially confidence, we don't have the belief in ourselves we lack some belief and therefore we may find ourselves in a stagnant position where we take very little action or none at all with our finances and therefore our our Finances don't get to where we want them to be

Precious LaTonia Williams (14:18.771)

I just feel like you're dropping gems in the longer you speak, the more I'm just like, you're in the head of so many people right now. So I have the same question, but it's based on timing. So pre -pandemic, what were some of the most common financial pitfalls that you saw couples and families fall into? And then how did that change?

Jen (14:32.37)

Mm

Precious LaTonia Williams (14:46.927)

After the pandemic or in the last four years? Are they similar? Have they changed? Share that with us.

Jen (14:53.574)

I don't know if they have really changed. Of course, during the pandemic, we saw a lot of people saving, right? Because they were at home, they were able to save more. But we're seeing them now years after, right? Seeing them fall into those same positions. So really the pitfall, in my opinion, in my experience.

Jen (15:15.46)

Is not planning for occasional expenses. And what do I mean by that occasional expenses are those expenses, hence the word that come occasionally. So occasionally, so it can be a yearly bill, it could be traveling, it could be gifts, those type of things people don't plan because when you have a if you're if you have a fixed, a certain income, fixed income that doesn't change from month to month.

And your expenses, your what I call fixed and variable expenses are about the same every single month. So let's just say for simplicity purposes, you have $2 ,000 coming in every single month and $2 ,000 going out every single month. And then let's say December comes, you spend on Christmas, you spend on gifts, but that $2 ,000 is still that comes in stays the same.

The $2 ,000 that goes out stays the same only because you're buying gifts and doing all this other spending. What are you going to do with that? So you have to plan for those. And I'm a big proponent of there's people call it different things, but you need to set that money aside. So what I have my clients do and people I work with is I have them go through month to month throughout the year and estimate how much are you spending for these occasional expenses. Divide that total number by 12, put it in your budget as a line item, treat that as a bill and save that every single month. If you can, because sometimes it may not fit because of budgets, a puzzle. Sometimes it doesn't fit like you want it to, but that's the idea.

And the other pitfall is honestly people don't know their bottom line and I by that I mean their income minus expenses What is left or not left? How much or maybe what are you over spending? After you take care of all of your expenses every single month So in my opinion, those are the two biggest the two biggest pitfalls.

Lisa Zeiderman (17:24.669)

You know, Jen, you have managed to build a huge community around empowering others financially. How do you go about making sure that you keep your message fresh, that you engage across your podcast, your book, your events? What do you do? Give us that secret.

Jen (17:42.338)

Listening, listening to my audience, listening to what's going around me. But I also don't pressure myself to get it all right. I'm human. I'm imperfect, right? And so I don't pressure myself to get it all right. And I'm okay with that. And I'm just also flexible and just adjusting with the times, you know, there's social media, you know, when you have a book, when you have this on my podcast,

When I promote myself as a speaker, I rely not just on relationships, but also social media. Things are always changing. So you have to be flexible to adjust to the times, to what's going on and make a pivot on what you're doing. So that flexibility, I think, is also important.

Precious LaTonia Williams (18:32.595)

Queen, we've talked about mindset a lot and you alluded to what you used to hear as a child and growing up. What role does mindset play in really managing your personal finances? And also, how can that help others build better habits in shifting mindsets?

Jen (18:56.262)

Yes. So in my book, I talk about the concept of the money headquarters. And in the money headquarters, just think of it as your financial home. And there's three components to the money headquarters, you've got the mindset, you've got the money skills and the money action. So I'm going to focus more on the mindset, the mindset, when we talk, when we think about financial education, when we think about all the messaging on finances out there, granted, that's changing over time. We it's really focused on the budgeting, the saving, the maybe the investing, those type of things, which are money skills.

But what is not focused on is the mindset. We're starting to hear more about that when it comes to finances. But before, when you heard about mindset, it was more about personal development, but it was never really tied into finances. And that's why I started with the big reason why I also started the podcast was to really relay that message. But so with a mindset in my experience, and also my opinion,

Even though we focus on the money skills, that's about 10 % of that money headquarters. But when it, but the money mindset is about 60%. And so the mindset, if you think about purchasing a home, when you purchase a home, you go through inspections and you want to make sure that that foundation of the house that you're purchasing is sturdy, that it's a good foundation. If there's issues with the foundation,

That doesn't mean, depending on how big the issues are now, but if there's issues with the foundation of the home, you may not want to buy a home or if you buy the choose to buy a home, the house will have some sort of problems. It's not to say the house is going to crumble, but there's going to be problems because there's all you bought a house with foundational problems. So with the mindset, if you think about that as a foundation of your home,

Jen (21:06.564)

If you have a mindset that is a scarcity mindset, it's not to say that you're going to go bankrupt, that you're going to go broke. But until you fix that mindset to a better one, to one that serves you, you're going to have continuously continuous challenges and uphill battle within your financial journey. And so to shift that you have to be aware one, because a lot of us aren't aware. Like I said, it took me a long time. I was in my thirties till I realized that I had a continuous cycle of thoughts related to my money just on replay. And so unless we understand our, and are aware of that, we can't change that. We can't make any changes. So we have to understand and be aware of our past money story.

And how that compares to our present money story and see what patterns are being repeated and what patterns that aren't serving us are being repeated. And that's how we can address the problem is being aware and intentionally and consciously making a shift of those patterns and thoughts.

Lisa Zeiderman (22:24.411)

Jen, are there misconceptions that people have about financial success that you have observed? when you observe these misconceptions about financial success, how do you help people shift their perspectives?

Jen (22:42.236)

Well, there are definitely misconceptions, we follow other people's definitions of financial success versus defining our own version of financial success. So that's first and foremost, that's the issue. And in shifting the perspective, we have to find our own definition of financial success. What does it look like and why? 

Precious LaTonia Williams (22:55.215)

Dream

Jen (23:11.64)

It can be on how much money that you make. may not, I mean, it's financial success, but it may be that you're just out of debt and that's financial success, no matter how much money you make, right? So it really, you have to define that for yourself versus looking at yourself and comparing to what's out there and deemed as financially successful. So that's what I would say.

Precious LaTonia Williams (23:43.475)

Queen Jen. I'm gonna take my glasses off.

Precious LaTonia Williams (23:49.415)

I want to have like a whole mask off moment. We know you have an amazing podcast. We know you're certified in what it is that you're doing and really helping others. Social media is having such an impact on. People's psyche and what they would love to have versus what they have right now. You're probably always asked the same type of questions. Is there a question you wish people would ask you more that you want to expound on? Especially for the listeners of the Power of the Ask podcast, I always think of what is one thing that you would love somebody to ask you? I know I always want people to ask me different questions outside of pitching and speaking that really allow me to shine or also allow my thought process to really shine. is there a question you wish more people would ask, whether it's your clients, whether it's something you really want to talk about that's still in your wheelhouse, but no one ever asks you.

Jen (24:52.38)

That is such a powerful question. And I would say.

Precious LaTonia Williams (24:59.515)

Not to put you on the spot, but I just, yeah.

Jen (25:00.142)

It's no, no, it's a great question. And I would say because as women, we tend to lack a lot of confidence. We tend to not have a lot of belief in ourselves. And we tend to short shorten ourselves with in all sorts of ways, right from financial to career to all things. if someone I would love

Precious LaTonia Williams (25:21.117)

Right.

Jen (25:29.452)

And I said, would be a simple answer, but I would love more people to ask, ask me, am I good enough? Am I deserving enough of more because we also as women carry a lot of guilt, especially if we pamper ourselves, if we because we are innately or how we science abroad has created us we were quote unquote, and things are shifting. We were the ones to take care of the family, right? We're the ones, the nurturers, right? And so when we nurture ourselves or when we spend something on ourselves or just splurge on ourselves, we tend to carry a lot of guilt because, I'm doing that for me, that's selfish, right? And so I would feel some, question along those lines, because my answer would be if someone were to ask me.

Am I good enough? Am I deserving enough? And I know that just sounds silly, but it's important. And the answer is yes. Absolutely yes.

Precious LaTonia Williams (26:33.79)

guys.

Precious LaTonia Williams (26:37.811)

Jen, reason why I asked you this question, Queen Jen, the reason why I asked you this question is because I've been asking, I've been asking of my network things I've never asked. So I'm a speaker, international professional speaker. People don't ask me for speaker reel. People don't ask me for speaker one. And so sitting with my team and I say, you know what, you know, as we've changed, we should probably do an extended cut of what I'm like on stage, what I'm like in person testimonials and just really go all the way out.

Precious LaTonia Williams (27:08.517)

So I asked some people in my network to look at my extended speaker reel and my speaker one. And the response I got back was shocking. Number one, this is great. It's really wonderful. But you say I a lot. And to some people, it sounds like you're bragging. I'm not saying I think that, but it sounds, it sound to other people like that, which kind of goes to what you're, what you're saying. So I sat with that.

I wasn't angry, but it strengthened a resolve in me that as a black woman, as a woman, as a 45 year old woman, if I do not talk about the things that I have done, the narrative is shaped by others who may throw statistics and everything on me that have nothing to do with me. And if I was someone else, those questions are never asked because it's assumed that they've done so much. So it's not bragging if it's true.

It's letting people know that you are establishing a narrative around yourself. And if some people think it's bragging, that's okay. But this is who I am and I'm defining who I am. So to go back to what you were saying, you know, am I worthy? Am I this? Yes, you are. And in order to change mindsets and shift mindsets around finances, that's why I asked you that question.

Because I know that's something in a lot of women, a lot of men, maybe even a lot of kids. So thank you.

Jen (28:42.322)

Thank you. And there is the national anthem playing. don't know if you want to wait. mean, for you on your side, it's not going to. OK, now it's gone. But whenever I talk, now it's done. I did. I forgot about that. The five o 'clock.

Precious LaTonia Williams (28:53.051)

Hahahaha!

Lisa Zeiderman (28:55.187)

That's all good. So Jen, I need you to whip out your crystal ball. Okay, you have it ready. Take that crystal ball out and I want you to look in your crystal ball and think about the fact that interest rates are starting to come down. That we're in an election year. That things are going to change, likely.

I'm going to ask you to look deep into that crystal ball and tell me what are some of the financial trends or challenges that you think that people need to be aware of in the next few years, whether it be interest rates or school loan issues or anything that you can think of in that crystal ball that you've got in front of you. Now, I'm going to say one thing. When people ask me in my practice what's going to happen, I always tell them the crystal ball is black. I can't see anything.

Precious LaTonia Williams (29:50.695)

Wait!

Lisa Zeiderman (29:52.435)

It is black and I don't know because if I knew I wouldn't be sitting in this room. So now I'm going to ask you anyway

Jen (30:00.476)

Yeah, well, protecting your financial identity is one. mean, it's with technology is ever advancing and scammers getting even more scam your we have to protect our identity. have to understand about freezing our credit. That is important. Taking advantage of compound interest, investing what you have what you can with what you have.

It doesn't matter if you're not making a ton of money or don't have a lot of money left over to spend, but that the power of compound interest cannot be denied. if you don't, if you're listening right now and you're wondering what that is, you can Google it. There's actually a great calculator at investor, think, Gov. And that really shows the power of compound interest.

So I think definitely with the interest rates going down, think people, I know the American dream has always been to buy a home. That's what we're sold. Buy a home. If you buy a home, you've made it. But I think we're in times that even though interest rates are climbing down, we don't know what the market is going to do in terms of prices of houses. Prices of houses have been crazy. So you really have to move.

Precious LaTonia Williams (31:19.269)

Okay, that's right.

Jen (31:19.59)

Instead of because I always have to if you want to buy a home, you want to answer why. And a lot of people realize this because that's what we've been sold to do. So is it more advantageous to buy a home or rent a home? Because with buying a home, you not only have to pay the mortgage, you have to pay the maintenance of the home. And if you're living in big cities like New York City or LA or DC or places like that, it may be more economically advantageous to rent a place. Just because you rent a place doesn't mean you're losing on not buying a home. You can invest that money that you're saving in the market. Right. So there's that. I think the other part as a mother of two boys as a mother, one that's in college, one that's about to go to college. College costs have been on my mind. And I think really being intentional and really being deliberate in terms of the cost of college, in terms of the student loans, because there is a huge student loan problem. People carrying lots of student loan debt. think being very deliberate with having the conversations with your kids. And if it's you that's going to college, just being deliberate on the rate of, what is the return on your year investments? I hope you don't go to college, pay $200 ,000, $300 ,000 over the course of your college.

To become a teacher, for example, right? Teachers, I wish they deserve a lot more, but the reality is that they don't get paid what they should be paid. So I think those are the areas.

Lisa Zeiderman (33:24.701)

Great advice actually and there's so many you know new rules and IRS rules etc etc so I hope that people take advantage of really understanding what those are as the years you know.

Precious LaTonia Williams (33:42.109)

Well, Queen Jen, we have a question, our final question that we ask each and every one of our amazing guests. So why is the power of the ask so important to women, especially financially? Why is it so critical today?

Jen (33:59.644)

Well, we definitely want to be advocating for ourselves and then advocating for ourselves. We need to be asking questions, but. Before we ask those questions, we have to ask ourselves a question. And that's really getting close crystal clear on what we want. And also the question that I would ask, I actually had a conversation today with a good friend, was interviewing them for the podcast. this is a give credit to with Leah, she was Leah and will have a beautiful podcast called wealth and wisdom.

But she shared with me about the importance of understanding what financial fulfillment is. So I think the question is, so that goes along the lines of what I shared is we need to ask ourselves before we can ask great questions to advocate for ourselves, to get what we deserve and want, we have to ask ourselves what we want and understand what that looks like. But even deeper, is understanding what that financial fulfillment is because that touches not only upon the financial aspect but the stuff within that really fulfills us. So that's what I would leave you with is really ask yourself what is financial fulfillment for you? Is it investing in properties? Is it investing in the stock market?

What does that look like and how does that translate to fulfilling you? So it's not just investing in the start market or investing in real estate, but really why does that fulfill you? So that's what I would say.

Precious LaTonia Williams (35:50.739)

Queen Jen, it's like I hear, whose voice are you really hearing? Is it someone else or is it really yourself? So Queen Jen, thank you for being another great guest on the Power of the Ask podcast, Powered by Savvy Ladies. I can speak for my great co -host, Leadess Lisa Ziderman and myself. As y 'all can tell, we bring the great guests and their stories and how they've gotten to where they've gotten to. That's why asking is so important. That's why bringing up questions is so important. So you keep coming back.

Precious LaTonia Williams (36:20.401)

Subscribe and tell a friend to tell a friend to what? Tell a friend to subscribe to the Power of the Ask podcast. You keep coming back. We get better and better and better. And thank you all for another exciting edition of the Power of the Ask podcast. Thank you.

Lisa Zeiderman (36:32.403)

Thanks everyone. Thank you. Thanks Jen and precious.

Jen (36:36.05)

Thank you for having me.