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If you're a 90s kid like me, you will definitely recognize today's guest from a 90210 poster you probably have on your bedroom wall. When she was just a teenager, Jenny Garth was cast in the show that defined a decade of television. And some of the lessons from her character, Kelly Taylor, have stuck with her. So much so that her new memoir, I choose me, comes from one of the most iconic moments on the show. Today, Jenny and I talk about how to talk to your spouse about money,
how negative self-talk impacts your kids. And if you have ever felt like you needed to quiet your own ambition to keep other people comfortable, she shares the cure. I'm Nicole Lappin, the only financial expert you don't need a dictionary to understand. It's time for some money read. Well, I'm so excited to welcome you, Jenny Garth, to money rehab. I'm so happy to be here.
I need to be rehab. Nicole, I got you sister. Well, I was on your show about a year ago, which was crazy because I would really like a redo. I know. You were, I was amazed. You had to have been out of your mind. I was like, in diapers with my daughter,
“still postpart of you remember those days. My house, my studio burned down everything.”
And then I was like, but I have to go on Jenny, how could I say no? I was so like, I dug down it
In another time.
all that and your house had just burned down. I don't know how you even showed up. Thank you. I showed up for you because you're amazing. And it was so fun to have the conversation, obviously you were in this chair. And so I wanted to ask you so many more follow-up questions, but I was like, duh, this is not my show. So now it's my turn. But when we were talking,
you were saying how you didn't grow up with money. And you always had this scarcity mentality
about money. Take me back to the beginning. Like, what was your early relationship with your parents?
“How did they talk or not talk about money? There was no talk about money. The only thing I remember”
about money was that I used to get a job on the farmer's land surrounding our farm. And I would get paid, you know, 25 cents an hour to pull weeds out of his soybean fields and the corn fields. And I would walk, it's called Walk the Beans. I would walk the beans for 25 cents an hour. And I was elated to have like $5 or something at the end of the day or whatever, a couple weeks. But I could go by handy with and not have to like ask my mom for money.
And you made it so big from from the beans to the big screen. That's the most great all the screens. You know, you were so young at the time when you started making real money, like, much more than 25 cents. I would, yes, yes, hopefully did that scarcity mentality go away at that point.
Like, when you had money or did it still? I just didn't understand money at all. It was never
discussed. And I, I had no idea what it was or why you needed it or how to handle it. And I learned that pretty quickly when I landed in Hollywood. You know, we were paying for our apartment at first. And then once, you know, I got a job and money started coming in consistently. I bought my first
“house. I think 16, 17, 18 years old. Karen, remember exactly. But and then that's when like the”
big girl responsibilities settled in and the pressure of like, oh, okay. So I have to have X amount every month or I don't get to have this house, you know. And so I quickly learned about, you know, what it would take on my end to sort of accommodate a comfortable lifestyle. And that change over the years, as I became a mom and all of that. But I got, I got a crash course in feeling the responsibility and the sort of the burden of the pressure I guess of money and money management.
But at the same time, I had other people doing it. And so they were handling all of the details, all the nitty-gritty of managing it. I had zero idea. What was happening with my money? Yeah, you told me that nobody thought you needed to know about your finances, which was really scary because that's when people got taken advantage of. Oh yeah, I'm pretty sure I did at some point along the way. There were some moments that I was unaware of or decisions that were made on me
my behalf that probably didn't benefit me first and foremost, even as a fiduciary, with a fiduciary
in place. But I'm not going to look back. I'm only going to look forward. I felt really things like my money is in a good place right now, as far as, you know, I'm making money and I'm spending, you know, a little less than I'm making. So it's pretty things are good for the moment. And I have a whole new team on it. But I did decide around 50 that, you know, my husband was urging me,
“get a handle on your money. You need to know more and more and more. And I said, okay, yeah, so I really”
did try to learn some things. But it honestly, it's like a different language from my brain, totally. Are you steering that? I figured that out the hard way. I started when I was 18 on the floor of the stock exchange. And I was like, this actually sounds like Japanese to me. And so I realized, yeah, that money is a language, just like anything else. And when you don't speak the language, just like, I don't get it. I don't understand it. But then you start immersing yourself in it.
And you're like, oh, okay, you know, if I went to Japan, I didn't speak Japanese, I'd be really confused if I went to Wall Street. I didn't speak the language money. I'd be really confused until you speak it. And then you're like, duh, I obviously bought this. Yeah, I think it was like, at first I didn't think and no one else thought I needed to speak the language. I needed to focus on the language that I did, which was making the money. And then I started to fake that I knew the
language. Oh. So I would be in money meetings and they would be talks, speaking the language of which I had the joy of the acronyms. And I would say, um, yes. Okay. Okay. Yeah. That sounds great.
You know, really just faking it.
and I'm able to say, hey, hold on. Can you just break that down for me a little bit more? So I can
“really understand what you're saying. And but I think before I just felt too scared to do that.”
Or like, they would treat me, you know, like, oh, this girl knows nothing about money, poor girl. What, you know, yeah, not rich woman, not poor girl. Like, you were, they were there because of you. Yeah. It was weird being that young and having all that happening in the realm of the money world. Yeah. And smiling and nodding is, you know, what a lot of women. On why we do what we do to help open up this dialogue about money. But I imagine when you were so young,
there wasn't also a lot of talk amongst her colleagues or peers. Like, where people on set talking about what they made or was that part of even the, no, no. Everybody was sort of type-lipped about their personal finances. And what salaries they were making and they were for many years on the 10-year run, that was the kind of balance that was happening. Until at one point,
“I think three or four of us really got together and said, let's go in as a team where there's more”
strings in our unity and it's renegotiated some things like that. But for the, for the most of the time, it was very, everybody did their own thing and nobody wanted to know anything about money from, you know, because what I didn't want to find out if I'm making, and in fact, I was making less than the other people on the show. And then there came a point where I was making more than other people on the show. And that was a very tender situation to talk to your castmates, your,
you know, brothers and sisters, basically, and that letting people getting people uncomfortable around
that just didn't seem worth it. But then I became worth it when you guys came together. And finally, so what do you think change between like having those conversations be uncomfortable to
“turning into something really empowering, or you could band together and advocate?”
I had, I wish it had happened sooner. I mean, I know that when, you know, the big news about the friend's cast coming together, I mean, negotiating as favorite nations, that really was beneficial for them and made the, you know, the playing field even because it is, it should be that we're all there doing our jobs together. And if it weren't for one of us or the other, it wouldn't work. I think we were just a little too late to that game and the sort of hierarchy system was
already, the like different levels of, of, uh, P checks was already established. So we never got
that equality across the board. And that was always a source of, you know, a little bit of a source subject. Do you think that was a sign of the times? Like do you think, if you did that today, it would be different? You know, I'd like to say yes, but I still think that happens. I think the number one on the call sheet gets X amount of dollars, and then it goes down from there, unless they go in and stand unified, which we really didn't know that that was an option back in
the 90s. And now we do. So I wonder what it would look like for an ensemble to go in from the beginning, but it's scary because we are all worried about our own money issues. Like all of us, you know, think about money, and worry about money. And so we want to cover our own asses, you know, and so it would, it would take a special group of people that would commit to doing that. And I think it would absolutely be beneficial. But unfortunately, it's still women are getting paid less than men still
in this industry, and it's really hard to break those norms. I mean, 902 and 902 obviously changed your life. You said you bought a house and you're so young that your parents also moved into and they called you Hollywood daughter that in your book, you talk about feeling uncomfortable about that with your six other siblings. How did you navigate that uncomfortableity or like trying to put yourself down? Well, again, had no idea what I was doing, and no one in my family
had ever gone to Hollywood. There was no real money. There was no wealth in my family. So I don't know how I'm still sitting here honestly, like after just really not having any background or training or teaching about how to deal with it. But I did absolutely feel at times like because I was from a big family and I was already the baby in the family. I felt like I got spoiled and my sister's definitely made it verbalized it that they felt like I was spoiled. And we
All kind of embraced it and like joked around about it.
spoiled. But spoiled in just the respect of more lenience. I think I even see that with my girls now.
“Like my first daughter was raised differently than my third daughter just because you changed as a parent”
times change. So of course the older kids in the family are going to have their, you know, comments about how the baby's being raised. Yeah, but I did definitely feel like I just wanted to have the energy feel the same in my family amongst my siblings for sure. Even cousins. I didn't want to be treated special, more special than I already was as the baby. Like I, I'm very uncomfortable being in the spotlight when others are in my family are watching from the side. It's just the
weird thing I have. Like I don't want to outshine people or seem as if I'm any better than my siblings,
you know, and I've always just felt like I need to keep that. I can't keep that at bay, you know.
“But you aren't shiny and you are doing this your life. Have you heard of tall poppy syndrome?”
No, please. So we're making cut yourself down to make everybody else sort of feel and more comfortable or high-achieving people sort of put themselves down to match the norm. You know, I see women I see myself do that. Wait. Are we the tall poppy's? Yeah. And then we like cut down to the rest of the poppy. We get pruned. We'll just be at time. Just be the tall shiny poppy. Okay, I like that. I'm going to think of that
because I'm really working on that and I have done a lot of work on it because I was in some therapy session at some point and I remember them saying to me, Jenny, it's okay to shine.
“That's why you're here. Yeah. And it kind of opened up things for me because”
I've always felt comfortable, uncomfortable shining because of the way other people might feel
in the wake of it. I felt the same way until recently we had a behavioral scientist on and he told me to stop it because it makes him feel bad. Like when he gave me a compliment, I'd be like, oh no, you know, yes, whatever, I should have. And then he's like, but it makes the giver of the compliment feel bad like that they're stupid or wrong or, you know, if they think you're so smart or so pretty and you're like, no, I'm not. And then, you know, you wouldn't want
that perception. Right. And so it flipped how I thought about the self-deprecation that I default to or that just receiving compliments or just drinking, you know, drinking yourself to to make other just feel better might actually have like an unintended side of fact that I did reverse. That's so interesting. I like thinking about it that way. So through a bunch of there, you and me both trying to work on that. It sounds like you've tried to flip your mindset and like
stand in that light. Now, my age being 54, I feel like confident stepping into this sort of divine energy, female empowered energy. I feel very much more comfortable in that than I ever have. And I'm not afraid of the impact that I have on people or don't have on people like I'm more comfortable in who I am now. So that has an impact in every aspect. Business, family, home life, friendships, you know, I come to the table with much more, much more of an ability to listen and be
present instead of worrying about all those things in my head that I spent so many years trying to ignore, but they've been, you know, reverberating. Yeah, that's the greatest hits. Like I was calling out like the ruminations. Like, oh, I see you. I see you coming back. It's weird when you like, you, we think we're the only one that has this problem that these uncontrolled negative thoughts that break break ourselves down or keep ourselves in a certain box or keep ourselves small
because we're filling ourselves with fear by listening to that voice. But fear is just false evidence appearing real. Say it one more time. A more fear is false evidence appearing real. When it comes to the fear we hear in our minds, the fear we feed ourselves. It's not coming from anybody else. I mean, there is fear. Fear is a good emotion to have. Like when you're running
Us there, right?
to like negative self-talk, it's false. It is actually untrue, but our minds are so convincing
and we just believe them because, oh, well, you've never steered me wrong before. You've kept me
safe and here I am. But when you really want to break free of those limiting beliefs, that's
“when you have to really just face that fear and tell it no thank you. Well, I can even feel and it's”
only been a year that like mean Jenny has kind of taken a seat because when we were talking, you had a lot of negative self-talk about money. Like not a little a lot. No, because you know what happened. I've gone through a couple of different phases. Like when I started out not knowing anything about money, I never even thought about it. It'll come. It'll go. Who cares. Whatever. I'm young and
living my life. Then I started to get more scarce. More that scarcity mindset of, I'm responsible
for these three girls and the mortgage and all the people that work for me and I started to be like, oh, I better hold on to things and what if I'm not going to make a money enough money to buy them that again? You know, I started to really get more tight, more worried about my finances. And then the latest is that I've gone back to the original mindset because that felt much better for me and it actually brought more money in. Like when you start squeezing, squeezing the reins and
pulling back and attaching to like what if and oh no, that's when the flow stops. And I know that
“sounds like, okay, woo, LA, whatever. But it's honestly the truth for me. And now that I am back to,”
yes, I am managing my money well now. I'm involved in all the conversations. I'm running a business now and having success in that and really working with the numbers on that on a daily basis. But still not worrying about it, knowing that it will come and it will go just as it's supposed to. It's so funny that you say that the woo, LA part because I tend to not be super woo woo. But I, you know, want to understand all viewpoints. I think when it comes to money, there really is energy
in money. And so when you hoard it and like hold it really tight, it doesn't come back around. And so I believe that there is a lot of, as woo, as it does sound, there's a lot of energy in money
and the way that it moves. It's a powerful energy. Do you think some of the negative self-talk
came from other people, though, because you've said that other people viewed you as being pound foolish, Pennywise. And so maybe you took that on or like that? Oh, for sure. That was you were so empathetic that you like internalized them. Yeah, I took on the, oh, you're pretty. You don't need to worry about it. I took on the, yeah, what's the one, the Pennywise pound foolish, right? I took that on when I heard that from someone. I also took on messages of like
you're too emotional. Like, you, this isn't healthy, you know? And I also just decided to not believe that anymore. It's very hard when you're receiving messages, messages from people in your life that you trust and they have a big impact on you. But once you kind of step out of that mindset and out of that experience of being told those things about yourself, you're able to kind of defy those things, look at them, examine them, and think, is that absolutely true?
Actually, no. It's really not. Our last conversation, you want to meet a signed books for your daughter as James. And what sense do you think being a mom and them seeing everything that you do? Like, I, even my daughter's one. And so she copies everything I do. How do you think that impacts like your cell talk around money? Because even if you try to hide it, I feel like they feel it.
“They're they know. And that's how they learn. Well, it's definitely different. One of my”
daughters is completely on her own independent and every aspect. Actually, kind of two of them. And then my 19 year old is in college and, you know, so comes to me for money all the time. And we talk about like, figure out what your priorities are and focus on, you know, think about your monthly budget. And I'm really trying to set her up for success. Although I'm very weak when it comes to saying no to, you know, she wants to get her nails done or whatever. She knows her
her father's probably not going to say, oh, sure, here's some money for that. Because he just doesn't get it. And so I'm the one that's usually, you know, Venmoing, Applepaying all day long with that one.
Still trying to teach her and trying to have her get a part-time job.
independence. Because it's very important. I remember before I was an actress, I had, you know, starting with walking the bean fields. I worked as a secretary in a real estate office. I worked as a waitress and a restaurant. And that building of that independent mindset of like, I can take care of myself.
“If if I need to, is such a important thing for women to feel. Yeah. And I think just won't teach me”
how to be a girl mom. Yeah, never stops. You said that she's always watching you. And yeah,
yeah, they do that. She's just like, she's 15 months old and I go, and she goes, right? And then you just extrapolate that as they grow. Yeah, they watch you spending or hoarding or hiding purchases or, you know, whatever else. And then that becomes their habit. And so I saw something recently probably on Instagram. It was like a game that was like, you would kill for your kids or die for your kids. No one doesn't says, but would you live for them? Or would you change your habits for them?
That sentence. I was like, oh, that hit. Yeah, I've never been one to spend my money for alessly on fancy handbags or high-end label clothing. I'm, those things just have never been
“important to me. I think because I've always realized that I am the cornerstone of what's holding”
this household up and I don't need certain things. You know, I just don't need that. And I would rather save that money. I spend my money when it comes to our home and keeping it nice and, you know, up to date and all those things. I'm much more prone to spending my money on like, some plants, landscaping or it's so expensive though. Like, there's a big sales happening right now, though, people spring, spring sales for plants. Like, that's your plans, but I love it.
But I do want to thank you because when I was on your show, you asked me for a recommendation for a financial advisor, a wealth management because that's naturally like the number one question that you would ask when we're talking about this stuff. And you want to help your audience
understand how they could get help. The first step to any recovery is admitting you have a
problem, especially around wealth. And I gave a recommendation, but I went back and that recommendation didn't feel right to me. So I asked your producers to take that part out, but it actually inspired me to start my own advisory firm. I love my own wealth management, private wealth collective, because the recommendation I gave you just like didn't sit well in my heart. It wasn't the way I wanted to do business. It felt really jargoning and gatekeeping very now. And like, intimidating
in a way that when I was for starting out would have made me too scared to join the conversation.
“So I wanted to do it differently. And that is so unfair conversation. Oh my gosh, what's it called?”
What's private wealth collective? Private wealth. Tell the girls. I will bring them over. No, it's so good because no, oh my gosh. Okay, when I have a money management meeting, my three men come over
in soups. And I'm always like, oh, okay, guys, thanks for dressing up. I'm sitting here in my jeans,
but they do, it's intimidating. But I don't let it intimidate me anymore, because for so many years, agents would come to the sets like periodically to visit their clients or whatever. And we would go, oh, the suits are here. And so, yeah. And so now, whenever I see a man in a suit, I just kind of makes me laugh. I don't know why, but there's something about it, such a posturing situation happening, that I, I just kind of let it go now. But it is intimidating when three suits are sitting across
from you, saying words, you really don't understand fully and showing you charts and all the numbers and the graphs and the things, it's a lot. But like, you are so crazy smart, Jenny, and you have built so much money and wealth and career, and I have seen, and you're memoir, you have lived many lives, you have figured out so many harder things than whatever is on those charts. They love you, and that's the thing. You really have, like, it's true. I know that, like, it feels that way,
because it can be intimidating, but jam, you have just seen so much more and been through so much more. Yeah, so much harder. I feel, I feel like a deafness shift in my mindset about being a business woman now and being just confident in that. And if I don't understand something, I'll ask a question. Yeah, because you're, like, on this my person, if I don't get it, tell me, say it in a different way that I can laugh. It's so glad. You also asked me when was the right time to start talking about money
in your relationship? Yes. When did you and your husband Dave start talking about money?
It's interesting.
I am, I see like an abundance guy. He is a, they could spend it guy. He is a literal life guy. He's a, put it on the credit card guy. And I am not like that as much. It was so interesting because when we got together, that was when, like, right in the middle of my, like, starting to grip again, because I would see him being so free with his money and didn't feel right
to me. So I started to really hold my money closer. We've never joined our finances. We have
you know, we spend equally on things and we, we just, we still have things separate. And I don't
“know when I feel comfortable doing that joint thing or if I ever will, honestly, because I've worked”
so on my own since the very beginning, you know, I, I love providing for people. I love treating people. So we divvy up things in our house on a level that makes sense for each of our incomes. And there's no, you know, worries about it. To like, one person pays for this bill and person pays for that. Who pays when you guys got to dinner? We alternate usually or we have a, we have one card that's both of our cards that we kind of use for one word together and we both
pay it into that. So I don't, I don't necessarily don't think about it. Like, whenever I, whenever I go
to dinner with anyone, I accept the bill. Like, it's my default because that's the way it's always
“been. And when I do go to dinner with somebody, even him, and they take the, the bill and pay it,”
I'm like, thank you. Wow, that feels so cool to, you know, because I'm so used to, you, your friends come, everybody, let's have dinner together and I'll pay for it. But, you know, that's a lot of money these days. So when someone pays for my lunch or my dinner, I get really excited. Well, in your book, you talk about how you bought your first husband, a lot of things. Like, you know, cars and motorcycles. Yes, probably more. Yeah. A music studio. That's a lot of
stuff, Jenny. Yeah. And you did that because you thought he would love you more? Probably, yeah. I did that because I'm a generous person in my heart. And if I have money, I want everybody around me to be happy and comfortable. I love that about me. But I learned that gift giving needs to be a little more intentional, maybe a little more selective. And, you know,
he walked away with the things that he walked away with, and I never thought again about it,
because what's the point? Until Memorke time came right. Until Memorke time came right. Yeah. Yeah, no, and just reflecting on how you, I've changed, you know, and I, I mean, my husband, and I joke, he's like, man, I wish I was husband number one, because I would have, uh, Harley and a defender all the way, we made fun of it. But I'm like, yeah, I'm much more sensible
“and I also, sorry. So did you have to actively unlearn that money, can't buy love?”
Yes, and in that situation, it was proven that that, you know, isn't the answer. And in other relationships, I've always been independent. So I've never been in the position of, what do you call it when someone else is the breadwinner? And I don't know. I've never been in that situation. I've never been in the situation of accepting any kind of like post divorce payments or aluminium, whatever child support, any about, uh, of always paid for everything that I need
or my children need. And they're, their dad also steps in and pays for what he thinks they need. So, you know, I, I'd rather than have conflict about money, I just try to not hold on tight to anything. And I, but I am much more sensible and more protective of the wealth that I have created because I see how hard I've had to work to get here. And I want to have something to leave from my girls when I'm gone and you, you know, one of the things about life, you never know
when it's your time to go. And I want to be prepared so that they are taken care of. After I go. Yeah. So you always been the breadwinner and it sounds like you've always taken care of other people. I was not the breadwinner in my second marriage. We were both bringing in money,
Making bread.
of that. It's the bread. Here's two things that are silly and funny. One is you just made me think
“the breadwinner. And money is called bread. I honestly thought it meant like putting food on the”
table breadwinner. Both can be true. The other one is making ends meet. That's an expression
that people would always throw around and I was like, why do you want to make meet? I don't get it.
And then finally I was like, okay. And then the ends need to mate. That's silly things. In all the cliches are weird. Speaking of cliches, I have a new game called Secure the Bag. If you don't mind, I would love to play with you. Okay. You pick a question. Okay. And we can answer them together. You can also pass. We're making up the rules as we go. Okay. I'm going to pull one out. You can vote a friend. Let me go to my glasses here. What's something you believed about money
that you've had to unlearn? I think it goes back to this scarcity. I think that's one of the
“biggest things for me was learning that when I'm living in scarcity mindset about finances,”
it gets more and more scarce. Like, I'm like we talked about. I'm suffocating the flow, the energy of it. So I've had to let that go and relinquish that concern, that constant worry, because it doesn't help me. Yeah. You saw it become a self-fulfilling prophecy. Yeah. I hate those, by the way. I know. I mean, they can have a really great, but usually they're not. They're not, you know, spoken of in a positive way. Do I pull a good? What do you mean? The abundance could be a
self-fulfilling prophecy? Exactly. Like, a positive one. But it's usually, like, it's usually has like a negative kind of conversation. But let's bring it on the positive positive. Positive, positive abundance brings on a bundle. Oh, my gosh. When you step into like telling yourself what it is that you want in life, it will come to you. Like, when you can imagine yourself, it makes so much more than manifestation. It's actually living into the life that you want,
ultimately. And I know people talk about that, but it's really true. It's like when you stop holding yourself back, whatever it is, a dream, something you want to create from the ground up. When you stop telling yourself, you can't do it. Other people are doing it. You have no right to be doing it. When you stop that ridiculous conversation in your head, it opens up the new conversation for why not me? What if I like to say now something that's very new for me is the sky's the limit.
There's, I've always kind of felt like there's nothing you can't do. But at this age in my life,
I really truly believe that. I just don't think I can't do. There's nothing I can't survive. And living like that, just creates a more of a fearless approach to things. Yeah. Yeah. And now we're all up in space, so like it's beyond the sky. Let's go to Mars in the moon. I'm good right here with my feet planted on the beautiful grass in California. Love it. Okay. Next. Positive self-fulfilling prophecies. Yes. Okay. Positive self-fulfilling
abundance is the best one you can. Abundance in anything. Yeah. An alignment. Just tell yourself
living in alignment is the most important thing to you. And it all falls in its place. So you
we were talking about this right before we were starting. I became a mother at 40, 40. I was almost 41. You became a mother at 24. What would you tell me as a new mom? I would tell you to remember to take care of yourself. And that just sort of like encompasses the whole concept of my book and
“my podcast. My clothing brand is just just remember that yes, we are caregivers and that's our job to”
keep little people alive. And we love it so much. It's a natural, eternal instinct. But we need to remember to turn that love back onto ourselves and make sure that that's a priority. You know, whether it means taking a nice hot bath at the end of a day instead of making dinner, let your husband order in something or let your friend take care of dinner for that night. You know, just little things that you can do to stay in touch with how important you are to this whole process.
Amen. And to end, I'm going to ask you the same question that you asked me on your show. What was your last? I choose me moment. I think my last I choose me moment is kind of like ongoing
Thing.
three other dogs to their very jealous. But I choose to bring her with me wherever I go because
“I feel a certain sense of ease when I have my puppy with me. And I think it goes back to my”
love of being a mom, a caregiver, and it's so reciprocal. That kind of love, that unconditional love,
that you have with your kids or you have with your doggy kids, you know, and there's just something
so like blood pressure regulating for me to have. Whether they're calming me or I'm calming them,
it doesn't matter, it's we're taking home and have together. Yeah. So my last I choose me moment,
“it's bringing my dog today. And I'm so glad you did. Honestly, you chose me to have that process.”
You have to hear her. She chose her. Our whole team.

