Money is More than Math

0:01 This program is designed to provide general information with regards to the subject matters covered. This information is given with the understanding that neither the hosts, guests, sponsors, or station are engaged in rendering any specific and personal medical, financial, legal counseling, professional service, or any advice. You should seek the services of competent professionals before applying or trying any suggested ideas. Hello, and thank you for tuning in to a Sharp Outlook on pay for HD Radio and Talk or TV. Hi am Angela Sharp, your host. I'll arm to your discussions with industry experts will give you the steps, tools and information to be successful in business and to prepare you to be your best self.

0:55 Hello, I'm Angela Sharp, and I'm so happy you can join me this morning or this afternoon or whatever your time zone is. We're going to talk about a very very important topic today that everyone that affects everyone. Money. Money is more than math, and today I want to tell you why that is. Today we're talking about something almost everyone deals with, but not everyone talks about it. Honestly, money stress. When people say I'm worried about money, they're usually talking about more than just numbers in a bank account. When people say they're stressed about money, are they really talking about numbers or are they talking about fear, pressure and the feeling that they're falling behind. They may be talking about rent, debt, rising costs, job in security, So the fear, the shame, the pressure, and the feeling of not being enough.

2:06 There are so many things involved when we talk about money. It's more than you calling or getting online and looking to see what your bank account is. And in fact, some people you don't avoid looking because the numbers make them feel so terribly. Everyone worries about money differently. Money stress affects rich, believe it or not, middle income and struggling people in different ways. So in this episode today, I'm going to be breaking down money stress in three parts, the practical, the emotional, and the psychological experiences around money.

2:50 Because money is never just math. It's also about security, identity, and control. Break down money into the practical, emotional, and psychological layers. We're going to talk about them in specifics. We're going to talk about what the characteristics are, and then we're going to talk about how to really handle it so that it's not affecting you into ways that you make decisions that are going to be life long lasting and could possibly cause you more problems than you've ever anticipated. So let's talk about the practical part of money, the practical side, because for many people, this is where the stress begins. Money stress often begins with the real life issue. The rent is too high, groceries cost more than what they used to. Credit card debt grows out of control, a lot of it right now because the interest rates on the credit cards has just climb to a level that is just I think it's shameful, but anyway, it's costing people income and they're finding that it is out of control.

4:12 Money concerns often. Come from very real pressure, like not earning enough, trying to keep up with bills, dealing with debt, or feeling like every basic expense keeps getting more expensive. And this is our reality right now because we are in a situation where our economy is affecting everyone's household, especially when they go out. Their buying power has been reduced, and what they were able to spend on things, it's just beyond what they ever anticipated. The rents going up, groceries are going up, gasoline has gone up, and healthcare costs are aren't unaffordable almost, and even people who budget carefully can still feel the squeeze. There was the fear of unexpected expenses, and we all know what that could be, like a car repair, a medical bill, a job loss, or even one bad month can throw everything off. I was just thinking about that when I was saying a car repair. I went out to go get some pastries for Sunday brunch, and the car started and was driving and everything was fine. And then when I got back in the car, when I put the the goodies, I

5:45 got back in the car and wouldn't start. I'm like, my goodness, one of the world is going on. And after an hour of waiting, well maybe two and a half hours waiting for a tow truck to come, we found out that the battery had died. I'm like, I never had an indicator saying it was time to change the battery, and I didn't realize how long the battery has been in there, so it was there longer than what it should have been, and it did die and it had to get a new battery. But I looked at all of the expense that was spent that you know, that Sunday just to get a battery, and I just think about those who don't have, you know, that emergency money in their bank. This had caused a lot of anxiety and a lot of problems, especially if your budget is extremely tight. So when people say they're stressed about money, sometimes what they really mean is I don't have enough margin for life to go wrong, and that's exhausting. What do people really mean when they say they're stressed about money?

7:02 Is the problem? Lack of money lack of control are both? And how much of money stress is practical and how much of money stress is emotional? Why do people feel shame about financial struggle? Everyone's struggling, even if they're not struggling. It's not something that should make you feel shame or make you feel, you know, negative about yourself, or make you feel like you're failing or different things. How do family backgrounds and childhood affect adult behavior. There are a lot of things in your life, things that you've experienced, the things that you've heard growing up, things that you know you were going through that have an effect on you emotionally when you're dealing with ment money. Why do people avoid dealing with money even when they know they should so, because of the emotions that come up when they're dealing with money. Can earning more actually solve financial anxiety?

8:14 I'm here to say sometimes, but in most cases it doesn't. Because most people, when they begin to get. More money. Earn more money, they also increase their level of spending. They move to bigger homes, they buy more expensive cars. And so how does social comparisons make money stressed worse? We're constantly comparing ourselves to others. We're constantly looking on social media and wanting to be like others. We're constantly looking to see when we are unable to do things, how that makes us feel.

9:02 Then we end up. Becoming stressed and depressed. Practical money concerns are logical. They're real. The incomes not matching your expenses, rising cost of living, You're aware of it, and so there need to be decisions made about maybe cutting this spending, maybe shopping at a different store. Maybe you might not be able to through that vacation trip. So you have to be always alert and aware of economic changes that are happening. I do a training called swat in One of the things that you have to look at are outside influences that affect your organization and affect you personally, and you have to be aware that those things can happen at any time and it's going.

9:59 To affect what you have. As disposable income, rising cost of living, debt, and monthly payments. We all know that the rents are going higher and home mortgages are going higher and different things like that. Are those that are trying to sell their homes. They're having difficulty selling their homes and even having to drop their asking price down to what they paid for it and have no profit on selling their home just because of the economics in our society today. Emergency expenses, it's something that you plan for, something that you want to set aside just in case of an emergency, and we never know when that emergency will happen, but it generally will happen because it's part of life.

10:57 It's just life. It's not personal, it's just life. Job instability right now, there's a lot of job instability, and I don't know when it might be changing or if it's going to improve. There are areas specific areas where there aren't enough people in that particular industry or in that particular area. But then in places where a lot of people have been working for years and years and years. Companies are laying people off, companies are closing different things like that. So there's a lot of job instability that's happening.

11:37 So these are real things. Housing affordability, just go out and look and see what the prices of housing is in comparison to what it was twenty years ago. It has changed a lot, it's increased a lot, So you have real issues. This isn't made up, This isn't something that doesn't have information facts to support it. So this is reality. This is what's happening right now. Saving for retirement or future goals, that's a little more difficult because just getting just getting by, just being able to pay gasoline prices and grocery shopping and rent and different things like that. It is real practical part of what is happening with money. Income feels uncertain, and yes, right now it does feel uncertain, but for most people, the stress doesn't.

12:42 Stop at the bill itself. If we just were just looking at the bill, and we were just looking at the bank account, and we were just looking at these things and understanding that this is the practical part of life, let's just say, let's just tell the truth. What is money. It's a resource. It is specifically just a resource. It's not who you are as a person. It's not does it make you more powerful? I know people have looked at people that have a lot of money and they feel they're more powerful because they have more money. No, we have to understand our identity and who we are as a person is not based on the level of your bank account.

13:29 It's based on the level of your heart, the level of your thoughts, the level of your ability to have compassion and empathy, the level of wanting to help others that are in need. That shows who you are as a person. It is not your bank account. You can have a whole lot of money and don't care about anybody else and miserable, and you do crazy stuff to entertain yourself because you can afford to do anything and everything. So you're bored, so you go into just all kinds of crazy stuff just to entertain yourself. And so money is not who you are as a person. It's just a resource that you use for bills, for travel, and for helping others. If you find that in your heart and in your thoughts and in your mind, in who you are as a person. That's when money can mean something, But it does not make you more powerful. It doesn't make you any different than any other person that is breathing and walking on the face of the earth. And this is something I talk about a lot. We are all human beings, we are all people. We are all here to fulfill a purpose that you you were created

15:02 on this earth to do. And that purpose is more than just getting money. Your purpose is more than just buying things. Your purpose goes far deeper, more spiritual, more emotional than what you can ever imagine. But for most people, this stress doesn't stop. They look at the bills and then other things begin to happen. The money stress doesn't stay practical for long. It becomes emotional. People feel shame because they have debt. They feel guilt for spending money on anything enjoyable. They feel fear about not being able to provide for themselves and for their families. I could see that you would have some concerns, but let's see how deep those concerns go. And many feel deep pressure that they should be doing better than they are. It's a stress because you're living paycheck to paycheck. Is the fear of falling behind because you're comparing yourselves to friends or family, or someone else's idea of who you are.

16:34 The shame around debt or low income, why are you ashamed? Everyone had a starting point unless you were born in a family that had generational wealth. We all had a starting point and the income was low. We also understood, unless we want to stay at that level, we have a choice to move to another income level. It may require some efforts, like maybe there's some education that needs to be done, some training that needs to be done, some skills that need to be learned, some experience that needs to be gotten, But staying at a low income level is a choice. It's not something emotional that you should have shame about. We all have to crawl.

17:33 Remember that. Children, you start crawling, You start scooting first, and then you start crawling, and then you stand up and you're wiggling and it's difficult and you're scared and you're afraid you're gonna fall. But you make that first step and the eyes become big and bright, and you know what, You now have taken a second step, then you're running. Well, think of it. When you're starting your career. You start scooting and then you start crawling and then you take that first step into something that might be challenging, but it's the step that will take you into your future and where you really need to be going. So don't be afraid to make that step. But you can't make that step when you have swallowed up and surrounded yourself up with shame just because of debt or shame because your income is low. It's just an opportunity for you to look to analyze it and then to step in to a plan of changing that particular circumstance. Guild about spending money on enjoyment. When money is tight, money is low, you can feel guilty because you went to the movies,

19:03 or you went to the spa, or you took a vacation. But when you start feeling those kinds of emotions, you might be putting your thoughts and your ideas into areas where your perspective is based on how much money you have instead of how much you love your family and how much joy you would have taking this trip. I'm not saying spend your rent money. I'm saying if you're planning and you have enough, then don't feel guilty on going and having a good time as part of life.

19:44 You have days where you're not as happy. You have other days where there's lots of laughter, and there's days of enjoyment. Look at the earth, it's beautiful. I know there's some places there's been working really hard to destroy it, but majority of the earth is beautiful. The parks are wonderful, the woods are wonderful, the ocean is wonderful. And you know what, it was all created for your enjoyment. So let's go do what we're supposed to do, and go and enjoy the creation that was given to us. That helps us settle ourselves, That help us to center ourselves so that we can think, so that we can release this stress, so we can release these emotions and be able to come back and think clearly and feel clearly.

20:43 Some of us is pressures to provide. We feel the pressure to provide for our children, our parents, or partner, our spouse. And then when the lack of money is there, then there becomes resentment or frustration. When you're working hard and it just doesn't seem to feel like it's enough, you begin to feel resentment, resentment on your job, frustration that you aren't getting paid what you feel you deserve or you feel that you should be receiving more. You feel exhaustion because you're constantly thinking about money and the lack thereof. You cannot be thinking constantly about money when you're thinking about a career. Yeah, you want to be paid, you want to be compensated, and you want to be compensated well for the level of work that you are providing.

21:41 But you can't just focus your thoughts on money all the time. Because now I believe, within my heart, I believe you have now made money an idol, and it's like you're bowing to a resource that's there to use and not understanding what it. Really is and what it should be in your life. Just a resource and not something that you spend all your time, your dreams. Your money is your goals, your thoughts, your ideas is just about getting another dollar. You're missing parts of the enjoyment of life if you're constantly just thinking about money. Hope. You have hope tied to financial goals and stability. But hope is something that you should have because you have a spiritual relationship where you have an emotional relationship with people around you that love you, that are encouraging you, that care about you. They're not pointing their finger, they're not looking down on you. They are there. They are your support, they are your surrounding family.

22:55 You are surrounded by love. You know how many people don't have that. We're not looking at the things that we have. And money is something if you plan, you can always get more of it. Don't let it become the god in your life, your only focus in life. Life has so much more to offer. Are we placing too much power in the popular concept of money? Are we? What makes money so emotionally charge is that it gets tied to our adulthood, our independence, our success responsibilities. So financial struggle can start to feel personal. Instead of saying, I'm dealing with a little hard financial situation right now, and I'm going to work through that. Instead you start thinking about your failing and you've placed that in your mindset.

24:02 You're bringing on energy that will bring it to pass. If you think. That that emotional burden can just be as heavy as the bills themselves. So let's try not to slip into that level of thought when we're dealing with money. Money can also Now I've gone through the practical and the emotional, but money can also be emotional psychological, and that's what we're going to step into. Many of us grow up with beliefs about money before we ever even earn any.

24:46 As a child, we start perceiving how our father provided, or our grandmother or our uncle or whomever was there to. Rear you. You start looking at them and psychologically you begin to form beliefs as to what you're supposed to do about money. Many of us grow up with beliefs about money before we earn it, and maybe money has always been scarce. So maybe spending was associated with guilt because maybe you grew up in a family that was not at the middle class and so funds were scarce, things were harder to get. You weren't able to run and take these expensive vacations or different things like that that others are doing.

25:39 And so when you're growing up in an environment where there was this scarcity, you end up having psychological opinions about money itself. Maybe spending was associated with that guilt, and maybe success was measured by visible wealth. Nobody ever told you that money is just a resource and it's not something that determines who you are as an individual. It doesn't determine whether or not you're you're a good person or a bad person. Was it talked about openly at the table? Now, I have to say, as a child, we talked about money. My father broke down the things that we needed to know about money and what we needed to do with money and how to manage money.

26:33 But we also realize it's just a resource and things happen, but it's just a resource. And then you identify how to get the resource, manage the resource, use the resource, invest the resource. Then you're not feeling guilty, you're not afraid, you're not a shame and all of these other moods because you were informed about money, money, mindset, scarcity versus abundance, thinking how childhood beliefs shaped your beliefs, your self worth an income you now have placed who you are and the value to how much you earn. You've actually allowed money to determine your value. You're saying, because I'm low income, I'm not valuable.

27:36 Pooh, you at that. You are valuable because you were born. You are wonderful because you breathe every day, and it has nothing to do with how much money you earn. You are special, you are needed. We need one another, We want one another to be happy and survive. We have avoidance behavior not checking the bank accounts. That's how much we allow our psychological feelings affect us about money. We won't even check to see how much is in your bank account, or you don't open your bills, or you don't look.

28:27 At your debt. Well, for one thing, I'm going to advise you you should look at your bank account daily because right now, with so much scamming and so much identity theft, you need to check right away to make sure there weren't charges or in your credit cards or in your bank accounts that are not yours, because then now you have even another situation where you've got to inform the bank. But if you're waiting weeks and weeks or months and months because you just don't want to look, I'm telling you you need to look because that's the responsible thing to do, and it has nothing to do with who you are as a person that you're not looking. You need to look because there are outside situations that could impact you. Some people, because of the psychological effects of money, begin to do impulse spending, you know, just as a comfort or an escape or to settle that emotion. That you're feeling, and psychologically you say to yourself, Oh, I just got to go, you know, and do something to make myself happy. So you go and do impulse spending and not and it ends up generally not being part of your monthly budget. Financial anxiety, and the worst case

29:58 thinking in control. Why money can feel like it has control over your life, it's because you have placed it in that position. It is a resource, that's all. It is something that you use for daily spending or monthly spending or yearly spending, but it is not something that you should give it control over your life, so that you don't even have a life. You don't think about anything else. Your laughter has now gone. You're in depression, you're in distress. You're dreaming about it every night. You have placed money in a position that that's not where it belongs. It's just a resource decision, fatigue, constant financial pressure.

30:51 Put together a budget so that you know how your money is being managed and when, and always remember to put a little something aside in a savings account or in an account that you're not going to be touching regularly, just for the emergencies so you don't have to be stressed. You've covered it. And the psychology of money is in most cases is there's never enough. You're always having that scarcity mindset. Childhood beliefs about money causes those psychological feelings, avoidance, behavior, impulse, spending for comfort, self worth tied to income, social comparisons.

31:47 Stop comparing yourself to other people. They've got their path, they have their road, they have their journey, and you have yours. You don't need to be them. Need to be you and getting into what it is that makes you happiest and developing into your own business, becoming an entrepreneur or getting your career starting at the level where you're beginning like you're crawling, but then you continue to grow into the point you're able to run and run the business that's your goal, But it's only because that's the career path you want for the resources for other dreams that you have in your life, but it's not who you are as a person. Don't allow money to determine your self worth. And there's social comparisons and never thinking, never never enough thinking. Take it out of your mind. People don't always make money decisions logically.

33:00 Sometimes they avoid looking at their accounts, They overspend, under stress. They believe their worth depends on income of success or success. That's why some people avoid checking their accounts, some overspend, some save obsessively, but still never feel safe. Some you've tied your self worth directly into your income, and the social comparisons really make it worse. Please don't do that. You look around and you think everybody else is ahead, everybody's buying homes, everybody's taking trips, everybody's building well, and suddenly your financial life feels like a reflection of your value.

33:47 That's where money stops being a tool, a resource, and starts becoming an emotional. Scoreboard with them. Things that I would. Like to say, as I have talked about the practical, we understand the practical point. You have debts, you pay them. You have home bill, you know expenses that have to pay it besides your rent or your mortgage. You have your utilities, you have insurance, you have a car, you have maintenance. I mean, so when you are putting together a budget for your spending, for your needs, for your resource to be used in a specific way, you already know what it's going to be. Then you're not going to be a stressed But if you just sit there and not open the bills, not put out a budget, not know or plan what's getting ready to happen. You just let things come upon you and then you're surprised.

34:52 Then the stress comes. The stress comes, and it affects you emotionally and psychologically. So what helps. On the practical side, Clarity helps. This is what I'm talking about, having a clear idea as to what it is that you should be doing, looking honestly at spending, creating a simple plan, building even a small emergency fund, and tackling one financial pressure point one at a time. That will help but reduce the chaos some of the problems. Because you don't have a plan set up, and you haven't you know, organized your spending and how you use money and resource money, you've created chaos and that chaos is causing the stress. Put together a little plan, put together a little budget. Hey, you probably have your.

35:56 Phone in front of you. Talk since you're since you're talking to AI for a whole lot of other things, ask it to give you a budget, give it the information it'll give you the budget, and then follow the budget and save it so that you can use it on a regular basis. And that way you don't have the chaos. You know the date when the bill is due, you know how much is going to be due, you know what needs to be spent for the next thirty days, and you can rest in between and not be thinking about money all the time.

36:37 On the emotional side, self compassion matters. Financial struggle is not proof of personal failure. A lot of people are carrying economic pressure that has nothing to do with worth or laziness, has to do with how you perceive what money really is. And on the. Psychological side, awareness is powerful. If you can identify your money patterns, avoidance, guilt, comparison, fear can start changing your response, not overnight, but gradually. It will change your response gradually if you are But you need to be aware when money is beginning to affect you psychologically to the point you are beginning to feel like you don't want to go look and see what's in the bank account, or you don't want to look and see what bills are.

37:39 Do you start feeling that guilt and you start feeling fear and anxiety daily. Sometimes the first step is simply to name the truth. This is not just about money, This is about what money represents to me and ask yourself that what does money represent to me? What does it mean? How does it make me feel? What are some of the things that I feel about myself because of maybe not enough this month. You can't let your whole life be blown out because this month there was an emergency bill and you hadn't set aside an emergency fund, and so now you're trying to rob Peter to pay Paul, or you're having to try to figure out some other things or make some adjustments, and then you want to start feeling poorly or badly about yourself because of the pressure. Planning will alleviate some of that pressure, but you have to avoid those emotional and psychological things. So let's talk about the takeaways. Money stress has layers. We've gone through them. There's a practical layer,

39:13 the bills, the debt, the cost, the income, and those are just numbers. That's when money is math. When you're talking about the bills, the debt, the cost, and the income, that's when money is math. Just put it in a little budget and you can see it, and you can look at it, and you're able when you visually look at it, you can see that it's just math. And when you're looking at that math, you can see where there's shortages and where you need to make decisions and make changes. And if you're wanting something more and you're wanting a different lifestyle than you also gives you an opportunity to start thinking, Okay, I need to make this amount of money to be able to afford these other things that I want in life, not looking down at yourself because you can't afford them now, So no, I must be terrible, or I'm just not right, or no, it's time to step up from crawling to walking. That means maybe getting into a new career or the first steps of it, owning your own business, or whatever it might be. You have the right and the ability to change those thoughts on that idea. That's the practical, get

40:50 that taken care of. First look at it and analyze it and know that this is just math. Let me do the math. Okay, i'm short here, what am I going to do? And then you figure out what you're going to do and if it means okay, I might have to take a part time job just to clear out some of this so that it's not so chaotic, or I'm not running short all the time, or maybe I don't have this emotional spending because it is going to cause you chaos. It's going to cause you emotional fatigue because you can't meet the math. But keep in mind we're just talking about math. The income is what you have. The bills are what you have to pay out.

41:37 You subtract them at the bottom, and this is what's left. And if it's short, you have to come up with plans. But don't beat yourself up. Then is there the emotional layer. You see the math, it's the practical part, but there's their emotional layer. The fear, the shame, the pressure, the guilt. You have to understand that's coming from some other external source, whether it was something that you've heard or you learned as a child, or you watch as your father or your parents were working, or being growing up in a low income family and you're thinking, oh my gosh, I don't want to be here, but you're living in fear because of something that happened in the past. This is your life. You get to choose what you do. You get to make decisions. Even with all the obstacles out there, there's always a door to get around all that garbage.

42:46 Look for the open door and step into it, and it makes it difficult to step into an opportunity when you have allowed the emotions of the lack of money to create so much fear and shame and pressure and guilt that you don't even have the confidence or don't have the ability to even six be successful when you're taking that other step, because you've allowed money to beat you up because you don't put it in its right place. It's just what you use, not uses you. I hope you're understanding what I'm saying. And then there's a psychological layer, like I said, the beliefs, the habits, the identity, and the comparison comparing yourself to others. You shouldn't be doing that anyway. Everybody has their own journey. I can't be you, you can't be them, which is are who we are and we are our best selves. Do you understand you're so unique that you have a separate thumb print fingerprint it does not match anyone else in the world. That's how unique you are. Understand you were unique. You're powerful, and you're capable and not carry on all of these psychological and emotional things that you gathered over the years

44:19 as you were becoming an adult, maybe conversations that you had as a child or with your family that were there trying to motivate you, but maybe it wasn't quite said the right way, or maybe it was said the right way, but you, being a child listening, your perception and your perspective got slightly twisted to the point you really didn't understand what they were saying about money. Yes, some grow up in. Homes where there's shortage, and so that gives you a certain psychological feeling about yourself, and it creates identities that you don't seem to be able to shed off. But I'm asking you identify those emotions, identify those feelings, identify those stories, identify those beliefs, and put them in perspective.

45:22 It's something that you heard as you were growing up. But now that you are an adult and you are dealing with money yourselves, you get to make the choices, you get to make the steps, you get to go forward, and you get to make the changes. If we only focus on the math, we miss the human experience underneath it. But we can't also only focus on the emotional because then we're going to be dealing with fear and shame, and anxiety and pressure and guilt. And if we only focus on the psychological and don't do anything about it, we're going to have beliefs and habits and identities and comparisons, and we're going to have so much stress going on that what was a simple add and subtraction situation, the practical layer of money, has now blown up into something that is almost difficult to control. In fact, the money's controlling you instead of you controlling that resource.

46:34 That's all it is a resource to buy and to sell. You know. I hope that you know I'm saying something can really make changes in your life. I really appreciate and thanks for listening. And I want you to keep this in mind. And I hope that you go and take this video and you share it with friends, you share it with others that you know, and help them understand that money isn't the power. You have the power, it's just how do you perceive money, How do you look at money?

47:16 Money is a resource, It's not something that should have control over you. If this episode is making you reflect on your own relationship with money, I want you to ask yourself what part of money stress affects me the most? The practical side of it, the math. Remember, it's just the income coming in, the expense is going out, and the bottom line and if it's short you know there's another step or decision you need to make to wipe out that shortage. Or are you looking at it for the emotional is when you're really looking at your relationship with money? Is it emotional? You fear fearful? Are you carrying shame? Are you carrying guilt? Are you pressured about money?

48:15 Are you willing to do just about anything for money? Now? Money's got control over you? Or is it psychological? It's coming from things that you've learned over the years, habits and behaviors and beliefs that were implanted as a child, or as you were growing up, or even when you're maybe even school. The way it was taught to you. It's something that I would like you to really consider because right now I see in social media an awful lot of stress over money. Let's put it in perspective so we don't allow it to make us the next day, make us physically ill. Our emotions do affect our health and it can make us ill. So, as I mentioned before, let's look at money, look at the practical side of it, look at the emotional side of it, look at the psychological side of it, and see what is really affecting you with money on a daily basis. I appreciate you joining and watching today, and please share this with anyone that you feel needs to understand money. We're going to have other lessons talking about now that you have money, how do you use money, how do you invest money,

49:46 and how do you make money work for you? That will be coming up soon. So if you enjoy these discussions, I'm asking you to subscribe to a Sharp Outlook and send a comment to at my email. I'd like to hear your feedback and other topics that you would like me to discuss. That's a Sharp Outlook at gmail dot com. A S H A R P E O U T l o ok at gmail dot com. I love talking with you and sharing with you because I'd love to give information, because information is knowledge and knowledge gives you ability to make decisions. And so, as I say at the end of each show, I want you to stay informed.

50:40 I want to thank you for joining us on a Sharp Outlook. We have been informed and energized to take the next steps. We don't posted links to websites and videos to learn more on today's topic. Please join us again next week or another thought provoking conversation right here on key for h you Radio and Talk for TV. Listen to the podcast on all the podcast apps, and until next week, stay informed