Ep. 30: Joseph Okaly

In this episode: Joseph Okaly

Guest Bio: 

I am a CERTIFIED FINANCIAL PLANNER™ professional, helping middle class families make their lives more enjoyable through planning and financial education. I also have my own podcast, Enjoy More 30s: Family Finance, where I attempt to help young families learn the important concepts they were never taught in school to free them from anxiety and make life more enjoyable. I am married to my awesome social media marketing wife Lauren, and have two young children, Avery and Noah.

Links:

Enjoy More 30s: Family Finance - www.enjoymore30s.com

Young families receive little to no personal finance help. We all grow up to have jobs and money, yet our education system focuses on Shakespeare and Algebra. Even professional advice can be hard to come by, with the majority of the industry chasing retirees and existing wealth. 

Joe Okaly's podcast is aiming to change this, providing personal financial advice geared specifically to professionals with young families. This podcast is dedicated to making life more enjoyable for young families, by hitting on the financial topics that tend to weigh on us, stress us out, and distract our focus from simply enjoying life.

Website Address:

www.nhwmllc.com

Social Handles and Links:

  https://www.linkedin.com/in/joseph-p-okaly-733b6b90/
https://twitter.com/jpokaly
https://www.facebook.com/NewHorizonsWealthManagement

Promotions/Business Information:

  www.enjoymore30s.com

Subscribe:

https://ordinarywomenextraordinarywealth.buzzsprout.com/

Tags:

Extraordinary wealth, finance, money, women’s issues, self-development 

Transcript

Janay Harris  0:01  
You are listening to ordinary women extraordinary wealth with Marcy Predmore-McPhee. This is the show where we talk about how ordinary women achieve extraordinary wealth. We interview successful business leaders and entrepreneurs to learn about their journeys, discover what success means to them, and go over the various forms of wealth they've been able to achieve. And we'll learn all the best tips and tricks, you can start applying in your own life and career. While extraordinary wealth comes in a variety of forms, we don't neglect the financial side. And it's so important for women to feel comfortable talking about money. So in this show, you'll also learn how to put your money to work and keep your money in motion. And use your money to enjoy life today, without stealing from tomorrow. Be sure to like and subscribe wherever you listen to podcasts. And if you find this show valuable, make sure to share it with your friends and colleagues. And now your host, Marcy Predmore-McPhee, McPhee.

Marcy Predmore  0:59  
Welcome to ordinary women, extraordinary wealth. You know, I so love these shows, because I like to share with you, my audience, that you are truly extraordinary. So we start with lives of people that we've gotten to know who think possibly they have started in an in an ordinary fashion, but truly are extraordinary. So today, I have a guest that I'm, I'm really excited to share with you, the audience because he has a real message to share for a specific segment of our world, but also for all of us to hear some basics. So ordinary women extraordinary wealth, is truly pleased to introduce Joseph Oakley, and he is from New Horizons, wealth management. And he's just going to give us some tips and tricks, some wisdom around finance. But first, I'm just going to share first of all welcome, Joe, nice to have you today.

Joseph Okaly  2:05  
Thank you, Marcy, that was a tremendous introduction. So I'm really happy to be here with you today.

Marcy Predmore  2:10  
You bet. So I'm just going to share just a tiny bit, I'm going to talk start with your bio, and then I'm going to have you fill in just a tiny bit of empty places that I might not have gotten a hold up. So a little bit about Joe. He is a certified financial planner professional helping middle class families make their lives more enjoyable through planning and financial education. I know that's a mouthful, but it's so important to enjoy this show. I also have my own he has his own podcast. Enjoy more thirty's family finance, where he attempts to help young families learn the important concepts they were never taught in school, to free them from anxiety and make life more enjoyable. Finance should be enjoyable. He's married to his awesome social media marketing wife, Lauren, and he has two beautiful children, Avery and Noah. And, Joe, let's just start really quickly, just because that is a lot of Finance. But let's just talk about how did you get started in the financial world? What what intrigued you to go in that direction? Sure.

Joseph Okaly  3:27  
Yeah. So I never thought I would be exactly where I am today. When I went to school, I thought I'd be working on Wall Street. I'm from the northern New Jersey area and pretty much everybody around me they commute into New York City. So growing up you kind of just think okay, I'll do that too. I'll work horrible hours. But you know, that's that's how it goes. Yeah. And so when I was in college, one of my professors brought in this person who called themselves a financial planner, which I had never heard of before. And when they went through what they do with using math and statistics and all these things that I actually enjoy by using it to help real people and still see real real people be able to do real things in their life and be happy about it. That was just awesome to me. So I throw out the whole wall street plan. I found a an internship at New Horizons where I still am today. And they were the ones that gave me the exposure to showing you how you can actually use these tools to help people and that just started me on my journey here I 13 years later I'm still here at New Horizons I still love what I do. I still love that I get to help people on a daily basis. And so I'm feel really fortunate that I kind of came across this path.

Marcy Predmore  4:40  
It's a it's a wonderful path to come across. And again it was probably a calling more than you realize because so many people need that education. And one of those mouthpieces it pause is podcast which has become very popular. And Joe does have the podcast as we shared More 30s family finance. So let me just give you because there was something in there that just caught my eye this morning as I was rereading. young families really received no personal financial help. And it's true in the financial world, a lot of times planners, whoever you are consultants, mentors, they tend to look for existing money. And Joe really sets himself apart in wanting to really share and show families, first of all the basics, but also to give them kind of a roadmap or a direction to go in their financial existence. Is that true? Joe? Can you share just a little bit more there?

Joseph Okaly  5:42  
Yeah, no, you hit it pretty much the nail right on the head there, Marcy. So I'm a young family myself, can you explain to my bio, I have two young children. And for me, when I started to work at New Horizons, I started to work with who you kind of referenced, our normal clients, which they're the same for a lot of firms are older. And those are people that maybe are reaching out for help, because they're getting closer to retirement, there's certainly people that have more assets built up, and some more advisors tend to focus on trying to service them. And what I realized was I had taken all these things that I learned, and I just naturally applied them to myself in my own family, because why would I not if it's good for the clients, I should help myself with it, too. And when I spoke to other families, my age, whether it's friends or family members, I realized that they didn't have the freedom that I felt they had a lot more anxiety, they weren't really sure where they were going, or if they were doing the right thing. And so I felt so much joy and so much thankfulness that I was in a position where I was free of those things, because that allowed me to be a better father. And it allowed me to be a better spouse, it allowed me to be a better brother, a better son. And that was something I really want to repay back to the world. So when I looked on my podcast app, and I typed in finances for young families, and nothing came up, I said, Well, something should really come up there. And like you reference in school, we don't get trained on any of this. There's no financial literacy courses there Shakespeare and algebra. But that doesn't really help so much. And not too many professionals out there either that help young families or young people in general. And with this big void that exists now because of that, I wanted to try to help it and fill that that fills that void. Because we can't all know know everything. I've used an example before of how, if I don't know anything about plumbing, I don't really want to know anything about plumbing, but I can hire a plumber to help me. So if I don't know it myself, I need access to a professional that does. And unfortunately for young families, when it comes to finances, or young people in general, there's not too many professionals out there either that are trying to help them. So again, I was just really, I could really relate to them. And I want every young family out there to feel the confidence and the freedom from anxiety that they may be feeling and make that my contribution to the world.

Marcy Predmore  7:59  
I love that confidence and freedom in your finance. That is no truer words have been said. And I just really appreciate, you know, just I can feel the passion through our zoom, that you really want to help them enjoy the path or the journey of Finance. And I really feel like again, that's something you have to be emotionally involved, and really feel confident about where you are and where you're going.

Joseph Okaly  8:27  
Yeah, it's definitely you know, I was very fortunate that that God wound up putting my wife right next door freshman year of college, I was very fortunate that God helped direct me to new horizons. My college roommate at the time, actually he his mom worked in New Horizons but she didn't recommend begin I went some obscure route through like a friend of a friend of a friend So Bob draft of the founder of the firm says he doesn't believe in coincidences. So he he firmly believes that I came here for a reason I was destined to come here. So again, I think this is the what I'm supposed to be doing in life. And I just want to give back to everybody else out there,

Marcy Predmore  9:04  
you know, and that it is so important. I call it a godsend. It's not a coincidence. Oh, that's a good one. times it is a god students, you don't know why Lauren was your next door neighbor or your friend's mom, you never know, the tapestry that's a mess behind but shows beauty on the front side. So anyway, that is just so awesome. Just again, the depth of your story. And you know, Joe, we're going to talk about just a couple of questions. They're kind of my foundational questions. And the reason I asked them is because so many people have their own thoughts and ideas about wealth and finance, about success about being an entrepreneur. But the first question I'm going to ask you is a bit broad, but what does wealth mean to you?

Joseph Okaly  9:53  
Ah, so what wealth could say what wealth definitely doesn't mean to me. And that's some big arbitrary number on a piece of paper. I think the first thing when you're trying to define wealth for yourself is that it's not comparative, right? So it's not at some point across this line, I have so much money. And now I could look behind me and say, Hey, I have more than those guys. So now I'm wealthy, I think wealth is much more about the freedom you have in your life. So when I look around, and I say, oh, that person is really wealthy in their life. Those are people that don't have to do things that they don't really enjoy doing. They don't have to waste a lot of time on things they don't enjoy doing. And they have the opportunity, and really the clarity to know what things they do want to do, and the freedom to go out and do those things and make a really big impact in the world. So since I started to put my voice out there more and try to reach more young people, I feel much wealthier now than I did before I did that, because I feel like I'm really contributing to the world in a much more positive way. So I'd really look at wealth much more in those terms, as opposed to, you know, dollars on a piece of paper.

Marcy Predmore  10:55  
Absolutely. And really, that's so true. It's, it's the contribution it's really, truly contribution and freedom, were two of the words you use that resonate with me most is, is you are that expert. And you are in that industry. Like you said, you don't want to be a plumber. Yeah, you might be able to find the wrench and figure it out. But you want to go to an expert, you want to go to somebody who knows the basics, who can give you some clear direction. So that's a great analogy of Well, thank you for that. Yeah. And again, as you started into your entrepreneurial world, you had never heard of a financial planner, and whatever intrigued you What does and you saw either something that did intrigue you, but was possibly shown as a success to you, what does success mean to you?

Joseph Okaly  11:48  
So I would say success is something that really changes how you define it over time, at least for me, that's been true. I don't know if that's the same for you, Marcy. And you know, when I was younger success, the definition of it was much more dictated to me. So it was getting good grades is success, going to a good college is success, getting a good job to success, making lots of money getting a family. And when I remember being up in the middle of the night with my my infant daughter in the rocking chair, trying to get her to go back to sleep, and just thinking about, okay, well, when she's this age, we can do this, and so on and so forth. And before I knew she was graduating college, 20 years later, and I had to just stop myself and say, you're looking for all these future things focus on today, focus on the present. So Success to me is very, very tied to happiness now. And if you're very mindful and present in every day about being happy, and being impactful in a way that makes you happy, and I could do that today, I can do that tomorrow, I can do that the day after that, do it every day, this week, I would say that's a really successful week, really successful month, a really successful life. And just breaking it down that way is really where I am today on how I would relate to success.

Marcy Predmore  13:03  
That I love that because it is the present. You know, so many times, as you said earlier is people think they're a success, or if they achieved something they're successful. But But I have a saying that you go as far as you can see. And when you get there you can see further. The success is achieving I love to climb mountains, I actually climbed Mount Kilimanjaro. And I know as you're That's awesome. reaching out for that summit, a lot of times there's what's called a false summit. You think you've achieved it, but when you get there, you know, you have to go a little bit further. And yes, it was successful to reach the summit. But it was it was tough coming down to so that dissent is something that you have to be aware of. And that's part of the success is when it pushes in a little when it makes it a little bit uncomfortable. That can also be the success.

Joseph Okaly  13:57  
Yeah, absolutely. I mean, that horizon never ends, you keep going out there and it keeps getting longer. So you're always just looking out for the next success. And you're really going to miss out on on the present ones that you've enjoyed. And you know, up to that point. So it's definitely can relate to your mindset with that.

Marcy Predmore  14:14  
You bet. That's awesome. Well, we're going to I'm going to just jump a minute because I really want to, I want people to understand, Joe, that you and Lauren and your children, you are people that might look at you on the street looks like an everyday ordinary person or family. But you truly are extraordinary and how you stepped out. So what does a day in the life of Joe and even Joe Lauren and the children what does that look like?

Joseph Okaly  14:44  
Yeah, so we're very time regimented kind of kind of people. So every morning I get up, and the first thing I do my son Noah is going on to I get to go with him. I get to make breakfast with him. I get to sit and watch some sesame street in the morning with him. And so I get time alone with him every morning. And then my wife, Lauren, she's with the kids during the day. But she's just extraordinary how she, she was a teacher. And so she's able to just do amazing things with them through the dams, I'm so fortunate that she's able to do that and spend that time with them. But what she's most passionate about in her life is competitive cheerleading. And so she does coaching. And she does all the social media work for the gyms that they have in New Jersey and down in Georgia. And I'm just so incredibly proud of her. Because it's really, really hard to step out of something as secure as a teaching job, and follow what you know, you don't know if that's going to work or not going with your passion. But she is so happy doing that, and so happy that she was able to to step out and succeed in that kind of way and take that chance. And I'm just, I'm immensely proud of her. And now our lives today, a day in the life, I'm going to work during the day, and then she gets to do something that she loves at night. So we both get alone time with the kids. We both you know, we both get to do things that we care about that we feel like we're really impacting the world in a way that we're passionate about. And so yeah, it's it's really, really fun every day to that have that experience. And the time management though, I would say that's the biggest thing. I'm a huge fan of time blocking for people that aren't aware of that setting specific time to do specific things. And it just for us at least it really allows you to take control of your day and not let your day kind of control and run you wild. So yeah, that's kind of the the day to day in our life. And I mean, I love being a father and I love being a spouse I love her family. So yeah, it's, it's, it's really, really fun every day, I'm happy to say,

Marcy Predmore  16:51  
Oh my gosh, that is so awesome. And definitely I would love to have Lauren on the show, I think she would just be an encouragement to so many mamas that are at that stage of the game where she has that entrepreneurial spirit. But she also has the love of being a mom, and the opportunity to be home to be a mom is pretty incredible. So that's Yeah,

Joseph Okaly  17:13  
I'm so proud of her. She's, she's really, really an amazing woman. And, yeah, I think there's probably more opportunities out there for other moms to, to, to not have to necessarily choose 100%, maybe one or the other. And so um, you know, it takes a takes something to put yourself out there for sure. But I know Lauren can't be the only one that that could have the balance that she's been able to do. So yeah, that would be great.

Marcy Predmore  17:37  
That is exactly right. And she's not the only one she truly isn't. And so we might have to talk about that. Okay. So let's, let's just get into, like with your podcast, you know, really, you really want to teach people how to walk their basic financial journey, how to build that foundation. So just simply speaking, what, what are some things that you can share with the audience right now on just how they should go about their financial, how to get started, even in their financial picture.

Joseph Okaly  18:15  
So I think the first most important thing is to kind of forgive yourself. So we have so many people out there that come to us, and they say, Oh, I don't have that much, or, you know, I'm so sorry, you know, I should know better. You really should know better. Nobody taught you anything. And all of this stuff is scary. I mean, when you're when you're looking at a map, and you see a you are here sticker, and the rest of the math is kind of blank or blurry, that's scary, that's fine, that's fine to feel uncomfortable and uncomfortable and somewhat afraid in that kind of circumstance because you weren't given the tools. So I always tell people, the first thing is setting your mindset of forgiving yourself. And then second part of the mindset is to really understand that money is just a tool that we're using to help achieve things. I'm not trying to help you retire early. I'm not trying to help you have a big number on a piece of paper, I'm trying to make life as enjoyable for you, however you define it. So that's the whole point of all this wealth management sounds like a scary word. But really, we're just trying to help people enable people to not worry about things and take those steps forward. So especially for young families, very simple, you know, things that they could do. One is just to save anything, just put some money away towards yourself. You work really, really hard for your money. Don't give it all away to other people every month. Always make sure you give yourself some of it too. Yeah, so so that's that's a big thing. And then the other thing I always love mentioning, especially for young families, is we see so many of them come in where they don't have enough protection. So if you kind of think about like a house, you could have the most beautiful house in the world. But if the foundation is faulty, nothing's coming down. So we don't want our houses to come down on us. And you know, when you're a young family, something like life insurance, nobody wants to think about dying. don't plan on die. I'm sure anybody out there who's young doesn't plan on dying. But you know, we've never heard of a spouse who did lose the one that they loved more than anything else in this world complained that they got too much life insurance. So you know, making sure you protect yourself. Those are the two big things that I think are takeaways, especially for young people take that step forward to just always make sure you're giving yourself something every month, not giving it away to everybody else. And to just make sure that you're protecting yourself having that foundation, because when you're young and healthy, it's really not not a financial inconvenience, it's very affordable. And that way, if God forbid anything ever happened, you would not have to worry about you know, what you're leaving behind for

Marcy Predmore  20:40  
your loved ones. Absolutely. And really, that legacy is so important. I call it the I Love You check only because somebody thought enough of you to prepare for you to say I love you, even though I can't be here, this will be something that I can leave for you. So that's one of the things that I share in my practice is just the I Love You check or the legacy of what the person was creating for you.

Joseph Okaly  21:08  
Yeah, absolutely, absolutely.

Marcy Predmore  21:11  
You just you just change some of that thinking, because a lot of people like you said, even the word finance sometimes is scary for people because they don't, they just don't really understand they know go to work, punch the clock, you get your paycheck, you put it in your checking account, you do a little investing, they really don't understand the enjoyment of it, how to how to have fun around it, which I think is what you do.

Joseph Okaly  21:39  
Yeah, yeah, I mean, we want to all be on a good path, we all want to be feel secure. But once we set those things out, once you know what direction you're on, now, you know, hey, I can use this money and spend it freely because it's not just trying to save every dollar you have either. You know, if if you know what path you're on, even to a general degree, and you could say, Oh, I am confident that I'm on a good direction. Now maybe you take your kids to Disney and extra time, or maybe you know, maybe you do something else living wise, we want to enable people to have the confidence and the ability to live more. So yeah, we want to know what path you're on. Yeah, we want you to be in a good position down the road. But we don't want that to come at the expense of you enjoying today, life, life is too short for too many people, you want to make sure we don't let that fall through the cracks.

Marcy Predmore  22:25  
Absolutely. And you're right, in so many ways, life is short, and you have to enjoy the moment. And so many other things press in. And that's something that you know, you need to just find an expert, and I think Joe would be a great person, especially in that neck of the woods that he's in, you know, just to find somebody who can just give you some solid counsel is great. Or be be that mentor. So as I talk about mentors, you know, in my growing up in my entrepreneurial journey, the reason I am where I am is not because of all because of me. Yes, it took some some making decisions on my part, some getting uncomfortable on my part, but I had mentors, some of them alive, some of them aren't. So you know, a lot of them are, you know, I read every I read every morning, I try and read a specific verse or a chapter for 30 days at a time. Because a mentor shared with me, the more you ingest that positivity, the more it will help in your success, your journey, your financial journey. So Joe, tell us just a little bit what it mentors meant to you in your journey.

Joseph Okaly  23:43  
Yeah, so I'm fortunate that my two big mentors that I've had over the last decade are still with me right now. And so both of them are like fathers to me, even though neither one of them are my biological father. The first one is the founder of new horizons, New Horizons Bob de Rafa who, from day one, He always was very interested to know what my opinion was, he wanted me to share my ideas with him, as a young person out of college, talking to somebody that's been in the industry for a really long time he owes who had the patience to explain to me, why are we doing the things that we were doing them. And if I had a better idea, even as a young person said, Oh, that is a better idea. Let's do that. And so just that openness, and that gave me the confidence and the ability to explore myself, my ideas to contribute, and when you can contribute as a young person, if anybody out there is mentoring young people, if you can let them contribute and give them the space an opportunity to contribute. That is huge. For me, at least that was bigger than even him telling me any one specific thing. He gave me the ability to try out my own ideas sometimes fails sometimes succeed. But he gave me that that space to to live and so that was just immensely powerful for me. He also inspired like a Continuous kind of learning. It took him a couple of years to get me on board with that. Well, yeah, now I read every day, just like you're saying, at least five minutes a day gets you another couple of books down a year. It's a huge thing. Yeah. And he's also become kind of my moral compass. So I asked myself, you know, personally, professionally, what would Bob do is the question. So if I'm at a hotel, and I love the shampoo, and I want to, you know, snag a couple extra ones for the road. Yeah, what would Bob do? Now, Bob wouldn't take them, he put them back on the shelf. So you know, but grudgingly put them back on the shelf. But yeah, so he's been hugely impactful for me. The other really powerful mentor that I want to make sure I've mentioned as well would be my father in law, whose name is Jim. And what he gave to me was a model for how I should be a father, how I should be a spouse, just always being there for your family and supporting and enabling them to do the things that would make them happy. Yeah. And so that was huge. And then, as a side note, he also got me interested in a lot of my passions now that I like to do outside of work outside of family, which is gardening, landscaping, woodworking, so he gave me a lot of those passions as well. So between those two people, they've really played a really large part in shaping me over this these last 10 years.

Marcy Predmore  26:16  
You know, I that is just so awesome to that you can pull those two out immediately. And I know Lauren is one of those also, because it sounds like she also is a strong foundation for you. But what's really intriguing, and I have several mentors, also that are that have been mentors of mine for years. One is a spiritual mentor, mentor from my church. And the other is a business mentor. And the thing about it is, they do want to know where you are today. What what resonates with you and your, your group of people, whatever that is today, they are wise enough to ask that question first. And it sounds like both Bob and Jim are those types of men who really want to hear from you where you are. But they also want to share, they've been where you are, but they are where you want to be. And I think that's

Joseph Okaly  27:17  
a great point Marcy to with questions when you said like they asked questions. I think the default for a mentor is telling somebody else what they should be doing. That's that the default of what you think. But these two people that have been great mentors are really great at asking me questions. And that's, you know, really helping me realize things. So they know what they want me to know. But they can do it in a way to ask questions. And I think that's just a fantastic point.

Marcy Predmore  27:42  
That and really, it is true. And that says a lot about your mentors. And like I said, You know, I read books that are old, and and yet they ask questions in the book to where it actually helps you to regurgitate what it is they're trying to teach you. But by asking that question, so I really love that answer. And I feel like mentors are super important in just growth. If you're not growing, you're dying, and in our industry in the financial industry, and I know you can probably share a little is we have to stay up on what's going on in the world. We have to ask questions. A lot of what I share in my practice is some of my mistakes, mistakes that I have made. And I can share I was where you are. But I made that mistake. So let's pivot and try this. What about you? Does that make sense? In the in where you are in your financial practice?

Joseph Okaly  28:42  
Yeah, absolutely. In the question part of it, too. You can't really understand what somebody is wanting to do. If you're not good at asking questions. Yeah, and what we get you may get this too in your practice, Marcy, somebody might say, Well, you know, I think I want to do this and you can kind of tell that that's not their ideal situation. That's what they think is the most that they could do. Yeah, and so we really try to ask question was that if you throw money out the window, is this really what make you the happiest? And so often you get the answer? No, you know, I really would like to do this, but I'm sure I can't. And so Oh, that's great. Let's start with that. And you know, if you can't do that, we will definitely tell you we're not going to have you do something you we don't think you can afford to do but let's start with the dream scenario. Let's start with the ideal and then if we have to, we'll work down from that. And so that that, uh, you know, asking questions, kind of a thing, and being empathetic and really wanting to help that person to make them happiest in life. I could totally relate to what you're saying with that.

Marcy Predmore  29:41  
Yeah, and and ask questions, but you and I as mentors, consultants cfps. We also have to listen. And so many times I feel like in our industry, a lot of people are asking questions, but we need to, we need to really hear what people People are needing and I feel like in your 30s in your family atmosphere that you're in there's so many times that you need to listen to what what the families are really looking for. And and as we come to a close, I have so enjoyed today, it's just been such a joy Joe just to just to hear your breath of fresh air, your passion for the industry that you're in. Because a lot of people don't enjoy our industry, a lot of times it's just product sale. It's not, it's not just coming alongside of. So the last thing I just want to ask you is a tip of the week, can you just give somebody who maybe just needs to know again, that next step, where to go, but just a tip about where to find what to find and how to find? Sure. So

Joseph Okaly  30:58  
I I'll go back to kind of what I was saying, with with forgiving yourself. So wherever you are today, as you're listening to this, you are here today, there's no there's no going back to yesterday and changing today you are where you are today. So you're not going to completely change everything. By tomorrow, if you're not going to completely over ramp or ramp up everything that you're doing financially. So just try to do one thing, take one step in the right direction tomorrow. I'm big on goals, again, from one of my mentors, Bob goals are a big thing. And one of the things that I learned over time from him is that a goal is not success or failure. A goal is something that helps you go even a little bit more in the right direction than where you are today. So don't let you know, oh, I don't think I'll ever be able to get myself to a tremendous financial position that stop you from taking one step in that direction. So just tomorrow, today, try to do one step forward from something you want to do, whether it's trying to save a little bit of money for yourself, whether it's arranging an appointment to talk to somebody that you think could help you, but just try to do one thing. And if you do one thing in that right direction every day or once a week, or whatever it might be, you're going to be lightyears ahead of where you were a year from now, or going forward a year from now. So that'd be my one tip that I would say,

Marcy Predmore  32:16  
I love the tip, because it's just taking one step forward. And you know, in one of the books that I read you squared, it talks about a rocket going to the moon, it fails 90% of the time, it course corrects itself to the moon. So you know what make a decision today, I think is what Joe is saying one decision, just one decision towards your financial goals, your financial future. And that one decision might be a mentor and advisor or consultant, somebody who really can begin to help you build that pathway. So, Joe, again, thank you so much. And I hope everybody hops on and subscribes to his podcast, and also our podcast. We would love it if you would just give us a thumbs up at ordinary women extraordinary wealth, and hope that you would join us every week in just hearing these extraordinary stories. Joe, thank you so much. Your story is truly extraordinary.

Joseph Okaly  33:25  
Thank you so much again for having me on today, Marcy, I really really enjoyed being able to speak with you. You bet.

Janay Harris  33:34  
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