Growth & Grace

Wesley Knight 0:00
This is a Kun V studios original program. The following program is underwritten by Crawford management group, Harris capital Mortgage Group, Tiffany Lloyd consulting and Chris glow, and does not reflect the views or opinions of 91.5 Jasmine Moore, the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education even

Music 0:21
better than I was the last time, baby, we back,

we back and we back and we back and we back and we back and we

Leaha Crawford 0:45
back. Hey, good morning Las Vegas. Good morning. Julian, good morning. How are you? You know what it is. It's supposed to be nice next week. Really, they talking about 8090, degrees. Oh, wow. Oh, my God, I'm taking off. Well, I'm not finished working out yet. So I gotta finish working out. So

Julian Rosado 1:02
I gotta begin working out. You gotta, I can't tell

Leaha Crawford 1:05
because you got, you know, you you kind of, you know. Well, hi, welcome to growth and grace. I am Leah Crawford, Julian Rosado, and we are here to talk about just, just different things going on in the valley today. Today, I got some amazing guests here with me. We're back on track. Y'all, I have attorney shout to Holt, attorney, attorney say hi shata, hello everyone. Uh huh. And we're gonna talk about bankruptcy a little bit. And then I have Talitha Burris that's having a play tonight, right, right. Hi, Talita. Hey, how you doing? All right, so we're gonna break into this conversation. I don't know which way to go first. Let's start off with the play. Okay, all right, Talita, tell me a little okay. First of all, what is the name of the name of the play? The play is called

Talitha Burris 1:43
for women who,

Leaha Crawford 1:44
for women who, yes, for women who. And where is the play going to be tonight? So the play

Talitha Burris 1:51
is going to be at the West Las Vegas Library theater this evening, seven o'clock PM, seven o'clock PM, and you're also having one tomorrow. Oh yeah, we're going Yes. And then also tomorrow, Sunday, four o'clock PM, four o'clock PM,

Leaha Crawford 2:02
and for everybody the West Las Vegas theater. I don't have the address right off hand, but I know it's on Lake Mead. Yes, it's on Lake Mead. And they have a lot of construction going on out there, so you guys be careful. Be okay when you come. But can you still park in the parking lot? You can still park in the park, okay, as long as you can still park because it is okay. I know right there. It's between h and Jay, yes,

Julian Rosado 2:21
yeah, lanes. Just, just a one, yeah, okay, over

Leaha Crawford 2:25
there, okay, but it's rough, so try to get there a little earlier so you can make sure that you can get a good seat, please. All right, so it's free of charge. Yes, it is free of charge. Okay, so tell us about when the what was the inspiration behind this play? Well,

Talitha Burris 2:38
actually it is in the style of For Colored Girls. And so I have been writing and directing for years. For over 30 years, I've been writing and directing in California, Kansas City, Dallas, Texas, and now here, this is my first production here in Las Vegas. And so I just kind of wanted to try my hand out here and see what type of response I got. Okay, so I did the play back in like, I think my first time I did, it was 2008 Okay, so it's kind of an old to For Colored Girls, just with different writings of some of the issues that we as women go through. I'm telling a couple of true stories about a couple of women who who went through a lot, went through and they're still here

Leaha Crawford 3:19
and they are, hey, but that is a testament to women. Yes, absolutely, for women who and I guess you can end that any way you want to,

Talitha Burris 3:26
yes, and I'm and I'm actually ending the production with a male panel. So I'm super excited about that. Nice I'm bringing these, these guys in to kind of speak on the issues that we talk about in the play, because I really want the male perspective,

Leaha Crawford 3:43
wow, I'm sitting here. I'm stuck, because sometimes we never get that, or we get something from men, but we never really get the woman's perspective. And men and women, yeah, we got us all. Yeah, we do absolutely, too, you know, because we make this work, yes, we make this work together. I love it, all right. Well, we're gonna talk more about that while we, uh, introduce uh miss. Hold over here, my uh, my row buddy, row buddy, my robes. But y'all, I'm gonna tell y'all, okay, so you know the quality of friends you have when they suggest certain things to you. And I, first, I want to say thank you publicly, because I would have never gone to this parking lot to do a role class. Oh, it's in the parking lot. It's in, well, the shopping center, okay, so it's a shopping center has a whole bunch of different stuff. But I would have, I would, you know how you just ride past stuff, because you don't never think about it, right? So I go, first of all, I like to work out early in the morning. She doesn't go early in the morning, so I'm there by myself. Yep, I will be. And I get there Well, I call the day before to pay, you know, just to see what the layout is, because she didn't tell me that it was a free class at the end of the month for people so that they can come and try out. That's not what she told me. She said, just, just go and sign up. I listened. I went and I signed up. I go in there. Don't know what to expect, rowing. And the first day, I'm like, Okay, this is easy. And she said, Well, you're gonna hurt afterwards. I do yoga. I stretch so I didn't hurt. Then I went with her to a class in the evening with this woman, Kenya, if you are listening, Kenya. Thank you Kenya. Thank you Kenya. For killing us for killing us. Best class I ever been to, and me, oh, my God, because we're dying best, almost dying, best class, and being there cussing, and you can cuss because we sitting there and we cuss. Wow, people in there cussing, call you hey. They had a Metallica roll. And I know one of the women I had never heard of Metallica, we did a Metallica row. They have a whole bunch of stuff going on just to engage. It's the first one here, and they've only been open for about a year now. Oh, wow. But we're not an amazing exercise for 30 minutes. Wow. 30 minutes you in and you're out, you're in and you're out. So today we're gonna talk about bankruptcy, because I think last time we talked about something else, bankruptcy, bankruptcy, bankruptcy, because it's real. Debt is real. Debt is real, yeah, yeah, yeah, that is real. So first of all, shout out your home, UNLV, this is your alma mater.

Chata Holt 6:13
This is my alma mater. Yes, so many good, good, great memories and traumatic memories come when I walk through this very campus, when you walk through this very campus, amazing feeling, yeah, but you are practicing and you're, I mean, and you're practicing in your hometown, I'm practicing here. Yes, practicing here. Okay, so bankruptcy, when should somebody when is it time

Leaha Crawford 6:36
to file bankruptcy?

Chata Holt 6:37
That is the question I get asked most often. So this is the way I look at it. And you know, different attorneys, different people who deal with debt, will tell you something different, but based upon my experience and just speaking with clients, helping people get out of debt, two things you look at when you determine whether or not you should file bankruptcy. One, Are you overwhelmed? How is it impacting you emotionally? How's it impacting your health? Because debt will cause stress. Stress will kill you. Okay, so that's the first thing you want to I always say health first. Okay, how is this impacting every area of your life? Okay, we already know that debt is stopping you from doing other things, financially and whatnot. But how is that impacting you? Are you overwhelmed? Do you feel like you can't keep up? One if you are only making the minimal payments on your credit cards every month? We all know that's not doing anything to the principal, which means you will make those minimal payments forever, seemingly like, Okay, so the important thing that I always look at is when it comes to your unsecured debt, unsecured debt, meaning your credit cards, medical bills, if you have those ugly payday loans, things like that, that aren't attached to collateral unsecured debt, ask yourself, realistically, would I be able To put up, put together a plan and pay all this unsecured debt off in two years. Okay, let's

Leaha Crawford 8:05
talk about that again, because I always stop you there. Okay, because she just said a whole lot I did whole lot unsecured, secure. What is the difference between unsecured debt and secured debt?

Chata Holt 8:20
Okay, awesome. I probably was a little quick with that you were so you can throw that to normal. Catch you. I appreciate it. Secured debt is debt that is secured by collateral. If you pay a mortgage, your house is secured by the mortgage. If you have a car note, your car is your car note is secured by the car, okay, unsecured debt is debt that's not attached to anything. So all of your credit card debt is yes based on your based on trust. That's what that's a great way to put it Yes. Okay,

Leaha Crawford 8:52
yeah. So I like that, because if you look at your mortgage, your mortgage has a date that you will be done paying for it. Absolutely, your card Note has a definite date that you will be done paying for it. If you make all your payments, if you make all your payments, you will this the date that you will you'll be done paying for it, right? Credit cards, I see, I've seen some credit cards say, if you make this minimum payment for 30 years, you'll be done paying us

Overlapping Voices 9:13
off. I'm like, yeah, for 30 years, yeah, but that's if you're not still spending if you're not using the card anymore, right? Yeah. So that's the problem. Can't even say 30 years, right? Yeah. Or if you just max it out one time, it takes

Leaha Crawford 9:26
forever, yeah. So it's kind of something to think about too, because when we talk about, and we talked on other shows about buying homes and all that other stuff, but your credit has to be in order, unless you're paying cash for

Chata Holt 9:37
the house. I mean, truly, the ideal way, which, I don't know how many people actually subscribe to this, the ideal way to use a credit card is to use it and pay off the balance within 30 days. That's what we all hope to do, right? Absolutely, that's what we think we're gonna do when we get that credit card, right. But I always like what I do is you pay you just utilize 30% on. Of it. Yes, you never, you never want to close a credit card. That's what I was that's

Leaha Crawford 10:03
not what she said. That's not what she said. She didn't say close it. She said to utilize it. I mean, because some cards used to be that, yes, you charge it and then you had to pay it back within 30 days. Yes, she said, that's the best way to use it. She didn't say close it. No, don't close

Chata Holt 10:17
it. And then to me, and you're absolutely right, though, I always tell people to leave 10% open, okay, because that means 10% on and that's 10% Oh, yeah, of it, yeah, 10% use, 10% of it. Yes. Keep, keep. What I mean by that is okay. You get a credit card, spend $500 okay, well, what's

Leaha Crawford 10:37
okay, so let's back up. Yes, credit card limit. Let's give us a credit card limit is, let's call it $3,000 Okay, let's call it 3000 $3,000 Okay, how much of that credit card limit should I spend to be comfortable? $300

Talitha Burris 10:51
that's 10% okay. Oh, okay.

Chata Holt 10:53
And then if you Okay, so now we just kind of shifted our conversation a little bit, okay, but this is a credit boosting hack, right? Okay, you spend 10% of the limit. Okay, spend 10% of the limit, right? And then you can boost your credit if you for the next six months, pay the minimum amount on that 10% for the next six months, get out of you. Promise that's a credit boosting hack. Okay,

Leaha Crawford 11:19
so credit Bucha, Okay, y'all got that here on growth. Say that 1% okay, we're gonna use another number. So $1,000 okay, $1,000 limit. You only spend $100 and for the next six months, pay off that $100

Chata Holt 11:36
pay the minimum, pay the payment on that 100, on that 106 months, okay, yes. And then just pay it off. And then you could just pay it off. Pay it off and be done. Yeah, but don't close the credit card. But don't close the keep up on there to not close the credit card. But that is a credit building hack that I give a lot of my bankruptcy clients, and that one boosts your credit by now. See, you know how FICO is really weird, and nobody can really tell you how it works. It's just that that is going to depend on a lot of things, like your debt to credit, your income to debt ratio and things like that. But you will definitely boost your increase, yes, so just keep if you had, if you have several credit cards,

Leaha Crawford 12:13
you doing it, you just like, hey, you you and the money. Yes, got it. But then, but if we're starting from because you also give people plans. Yes, you give people plans to so if said person comes in your office, they have $100,000 in credit card debt. Now they can pay it off. They can pay it off over two years because they make enough money to but they just want help. What would you tell them? I mean, how would you lay that out to tell them to help them pay off the debt,

Chata Holt 12:42
good old fashioned budget. People don't like to hear that. But, you know, I like, you know, that's what that's well, yeah, you're a numbers, but the rest of us don't like to hear that. Leah, she

Leaha Crawford 12:52
said something to me about numbers. I was like, shout out. That's easy. She's like, No, it's not shouted. It's numbers. You know, numbers make sense to me. Go ahead.

Chata Holt 12:59
Yeah, numbers make sense to me. When we get rid of There you go. No,

Leaha Crawford 13:02
I call her. I took because I tell all summer. So you doing shot of math today for you? Yeah? Shout out. Has her own math. It maths out, yeah. Bucha has her own math. It but at the end of the day, the same number, get the same. Bucha has her own math. She does. She does all right, so I come to you and do you help them do budgets, though,

Chata Holt 13:26
so it depends on the situation, right? Most of the times, my clients come to me, I just want you to get rid of this debt, and that's what we do for bankruptcy, okay? But I do have some clients that come to me from like my, what I call my debt resolution package, wherein we do just that. Okay? I help them put together a plan, and I just kind of tell them what they need to say to their creditors in order to effectuate them getting rid of this debt in a realistic period of time. Okay? Because a lot of times people aren't really I want to buy a house in six months. Darling, you're not buying a house. Darling, you're not buying a house in six months. Okay, let's work on 24 months, though. You know, because we can make that happen, we could probably make that happen and then be open to 36 months if that's not it. But that's the thing. You just kind of have to be realistic about the money that you have. You have to be realistic about what your actual necessities, your necessary expenses are, and we put together a plan on that. And then you have to be consistent. You got to keep

Leaha Crawford 14:27
up with, you know, Dave people, yeah, yeah, because it'd be good for about a month or two. And then, like, you

Chata Holt 14:31
know, and then some your friend wants to take, wants to go to Europe, yeah. And

Leaha Crawford 14:34
we often Europe, and the credit cards are charged back up to where they were before, because you

Chata Holt 14:38
got to spend in Europe, you know, which and why would you go wrong? Why

Leaha Crawford 14:43
go? Why go? All right, so shout a hold contact information. 70267467757026746775

so you're listening to growth and grace. I am Leah Crawford Julian. Rosado and I have the amazing shot of Holt and Talitha Burris in here. Talitha, we can go back and talk about your play a little bit more and shout out. We're gonna dig more into that bankruptcy, because that's actually a good you talking about. You not interesting. I love just your out,

Chata Holt 15:13
not me. I'm interesting. Just what subject isn't

Leaha Crawford 15:17
but it, but honestly, but it's one of those things where a lot of times people don't do it because they don't want to be judged, right, right? And fear and your energy helps to change that so that, yeah, I'm gonna file it and I'm gonna make it through it, but no, if I had to. So when I get services, I want to get services from people that, number one, are not condescending when talking to me, that can help me through because I'm coming to you because I don't know I already know I messed up. You don't have to reiterate it. And it took a lot for me to get here. So while I'm here, I need you to love on me holistically, because that's what we do in our office with taxes. Because people come in there with some stuff absolutely and I giggle. And because, like, I call her on, don't tell that story I did because I called her. I think it was, was it Christmas Eve or New Year's Eve? It was Christmas Eve. She was cooking. I said, Look, this what I need. And she was, I was like, Yeah, I She's like, Lee. I was like, you know, stuff don't happen when you um, nine to five, I got a call. I need this help. Can you help me? And she was like, Absolutely, we'll have it done the day after Christmas. I was like, that works. So I called the person back, and they were, you know, because I'm like, people don't have problems from nine to five when they you know, no, people have

Chata Holt 16:33
problems on Christmas Eve at

Leaha Crawford 16:35
2pm yep, that's what time it was. But we got it done, right? And that's what I love. I can make the phone call, and we giggled and we laughed and we she was still cooking while she was talking to me, and we just laughed, joke, talked about, and then, you know, that's how it ends up rolling. Yeah, that's why I'm rolling. That's why I'm rolling. So, Talisa, back to you, the play, yeah, what's the name of it again? For women who, for women who? How many women are well, how many people are cast for this play? There

Talitha Burris 17:03
are seven characters in the play, including myself, because I am in it as well. So I wrote, I co wrote it with my husband, so we are both writing, writers, directors of it, and then I'm also in it. So it's about seven women who are just grappling with reality of their lives, and afterwards, when we do the male panel discussion, I just really want to talk to some of the issues that we bring up in the production so that they can speak to them from from their point of

Leaha Crawford 17:34
view. And will you let the guests in the audience speak? I'm

Talitha Burris 17:37
gonna try to, I only, I was only able to get, like, a 30 minute panel, okay, and so I'm not sure if I'll be able to take questions from the audience or not, but I'm hoping that maybe a couple I'll be able to take that feedback is huge. It is actually going to be, I think it's going to be awesome, because, like you said, we don't, we don't have those conversations. So I've figured, after watching this play, now you have the prime opportunity as a as a male, to say, hey, you know what? I understand this, or maybe this could have been why this happened, or something like that, just to kind of give us some feedback of what we should be doing or what we could do better as women. So even though the play is for women, it's for people. Yes, it's for people,

Leaha Crawford 18:26
it's for the family. All right, so give us a tip back. Tell us about one of the characters. So I

Talitha Burris 18:30
really want to talk about this other character, because I'm listening to you, Chadha, and I I need to have her on there as a character. One of the characters, did

Chata Holt 18:39
you just put me in a play? Did didn't she just say

Overlapping Voices 18:43
that she

Leaha Crawford 18:45
wanted to play an attorney on TV, right? She wished she would have knew

Overlapping Voices 18:50
that first. Yes, that's an attorney on TV. Okay, I wanted you to talk about it, though, but yeah, okay, I'm listening. And so this

Talitha Burris 18:59
character is actually, it's a true story of my cousin and she she's married. She was married, I don't know, I don't remember how long they were married, but she ended up getting separated. So he was living on his own. She was living on her own, and got a phone call from him one night saying that he couldn't breathe. She missed the phone call, so in the morning, her and her son go over to the house. He's not there. They go to the hospital find out that he died overnight on Father's Day, and then after that, several family members passed away of COVID. So she's talking about her story of what happened to her, but what I want to talk about is she had so much trouble trying to get into his bank accounts differently because they were still married, and she was telling me how important it is to have the living will and the bank and the bank situation right where she should have been on his bank. It was just a whole lot of stuff that she had probably maybe a year or two, that she had to endure, trying to make sure that her her husband was properly buried, trying to make sure if there was any monies or situations like that with the house and everything. And so that's a real life story, and you being on here is perfect to me, because what do you do in that type of situation, what? How do you handle that? Can I tell you

Chata Holt 20:24
how ironic This

Leaha Crawford 20:26
is? Because No, we just, honestly, we just had this conversation. Okay? We just had this conversation. Go ahead,

Chata Holt 20:32
yeah. And I just started what I call my Tiktok rants. Okay? And my first rant, I start off with, you know, y'all get on my nerves. Why do y'all get on my nerves? Because you think you have forever to put together your estate plan, and what that means just simply, you don't put together a package or a plan of what's gonna happen when you pass. We are gonna die. We are all living to die. Okay? It's morbid and whatever it's what it is, okay, none of us are immortal. Okay, nobody thinks about it. Okay. So simple things you can do if whatever reason, the best thing to do is go out and get yourself a trust. Second best thing to do is get yourself a will, at least you have that. If you don't do that, there's other things that you can do, like you could put someone else on your bank account that you trust, okay? That could, you know, kind of help facilitate things you can if you have a property, you can name somebody as a joint tenant with right of survivorship if you want them to get that place again. These are people that you trust not to take your assets while you're alive, obviously, but things like that are things that you can do that are much better than just dying without doing anything, because if you die without doing anything, then the state is going to divide your stuff up according to the law, which may not be the way you intended it, and which may not be a way that helps your family once you leave. Okay,

Leaha Crawford 21:55
yeah, no, we really did. Just had that comment and that, honestly, y'all, that was the call that I made to her on december 24 on december 24 it was, that's great. It was, it was, this is going on. This just happened. I need this in place. Can you help me? And she said, I'm cooking, but we can do but we can do it on the 26th okay? And it was, and it's honestly, and then think about it, when you're going and doing this stuff, it takes time, because we even had a mutual friend, he had a party with his, a whole party he did. He's not extra at all. No, he's not extra. He's not extra. But he had a whole party he

Chata Holt 22:37
was teaching, no, he was, he was teaching everybody in that when he was he is very he's like a pillar of the community, and he leads by example. And he did it was awesome. He put it on tick tock. No, it was Instagram Live that I didn't realize we were on Instagram live until somebody told me two days later on his Instagram What?

Leaha Crawford 22:58
No, because, I mean, that's what we thought. Well, that's what we thought, right? But it was him showing you got to handle your business. Absolutely, you got to handle your business, but you probably need to talk to him again, because he needs to update that. Yeah, you know he does. You know he does. He needs to update. But the thing about it is handling your business and not and I know sometimes I know me as a professional, I'm the worst, so I need to make my appointment. Professionals are the worst. We are the worst. Yes, we are. And then I do have all the beneficiaries on everything good. I have that.

Chata Holt 23:31
That's another thing. Yeah, if you put those are kind of like self probating things, right? But beneficiaries to things, and that helps,

Leaha Crawford 23:38
right? Right? In the house, they can have it. I don't care. What

Talitha Burris 23:40
about putting it? What about putting your kids on there? Is it? Would it? Would that be a good thing to do, to put your kids on there? One child on there, a couple of children, when you're talking about, like, maybe your your bank as your benefit? Anybody bank you

Chata Holt 23:56
trust? Okay, okay, it's better to have a trust and a will to draw things out. But I'm I'm saying that is beneficial, because I've had people call me and say, Hey, Grandma's going to hospice, so we don't have a lot of time, you know, and I won't go into the details, the the issues with getting people who might lack capacity to sign trust and will so that that's an issue, sometimes that's a whole nother thing. But, yeah, if, if, if time is of the essence, then that might be something you want to do, but it's just anybody that you trust. Some people have kids. They don't trust their kids, yeah, facts or and

Leaha Crawford 24:29
I wouldn't tell them. So for me, the kids, they don't have a clue. But my kids told me, Well, one of them told me, the boy said, he, he said, he said, Mom, I want the property and you give her the money, okay? And I said, Oh, okay. And when I told her, I said, Well, he said to give you the money and he wants the property. She said, I don't care. I can do that. I can make it all work. I said, Oh, okay, so everybody's

Chata Holt 24:53
okay. They did they did your estate. They did

Leaha Crawford 24:56
my estate. Awesome. You know, okay, she gets the money. He gets. Property. And he was like, now I'm gonna need you to buy some more property. I was like, right. But what I love is, is that we, but we have conversations. Well, we started having conversations about that, because you got to be in your right state of mind when, when you do this stuff Absolutely, because it can be challenging if you're not right, right now, have you ever had something challenged?

Chata Holt 25:22
No, thank god. Okay, none of my stuff has been challenged. Okay? Now it doesn't mean that there's something wrong with somebody else's if it does get challenged, okay? All it means is, you know, there was a person who felt like they might have been cut out of something that they legally should have been into, or they feel like said person, we call it a set Lord, a person who actually drafts the testamentary instrument. That person might not have been in their right mind, or they might have been coerced or under duress. So they challenge it in the court we live in America, you can challenge anything. You challenge anything I can do. No me. All

Leaha Crawford 25:59
right. All right. I got it. They said the weapons can form against you. Did not say that they were going to prosper. It again. Did not say they were going to prosper. All right. Shout a Holt, 70267467757026746775,

the play tonight for women who the email address is food for the soul presents@gmail.com and that's food for the soul presents@gmail.com Yes, I hope to see you this evening, at 7pm at the West Las Vegas, our Art Center. We will be there. I don't know if I'll probably my favorite seat at the Art Center is in the back. Okay, so always sit in the back. I do too. Yeah, always sitting about just my favorite for over a decade, or almost 20 years, sitting in the back is China gonna be there? Yes, oh, yeah, oh, we gonna have a ball. We sit in the back. Absolutely. I gotta sit in back

Chata Holt 26:52
because I'm bringing my five year old. Okay, yeah, yeah,

Leaha Crawford 26:58
yes, bring, but bring the five year old. Because honestly, the West Las Vegas Art Center, and I'll give China and Miss Marshall and all of them near I mean, it's at the library, but the art center, they do an amazing job with young people from 10 to 15, and I know they're performing a visual arts camp that they have there in the summer. Awesome. It's like no other that was. They were my other parent with my daughter, who ended up, yeah, LVA Howard University dance and ended up becoming an attorney, Alvin Ailey twice summer intensive. Yeah, yeah. She just did it. But a lot of it was the grooming, the training, the discipline, the discipline, you know, because getting there at seven o'clock in the morning ain't fun in the summer, but it's cool because they stay till five. You can go home and take a nap and get it together, but you and then they get mad at you if you're not there at 7am

Chata Holt 27:52
shout out to China. China is

Talitha Burris 27:54
serious. China is sick.

Leaha Crawford 27:55
Her business man, not only serious, let me say China. It's but it's a group of them, right? So it's China. It's, if you ever work with Anthony Manor, working with children, if you ever nay, nay, nay, working with the boys. It's great. It's different. Dominique over at the Pearson with, I mean, I'm sorry, at Paradise with Alfonso. I think they're going to bring back Big Brothers, Big Sisters. I mean, I'm sorry, the camp, the camp. So it's a lot of stuff going on, but I can say this community is amazing. It is and working with young people, if they are ready to accept some guidance, because the spelling bee is coming up. So there are some things going on at the West Las Vegas Art Center. Love it, all right. So that is our show today. You've been listening to growth and grace. I am Leah Crawford, this is Julian Rosato. Hey, look y'all bankruptcy. No need to fear it. 702-674-6775,

and that's a wrap for today. Thank you for sharing your time with me. Remember, growth is a journey, and grace makes it worth a while. Keep pushing forward, keep showing up, and, most importantly, keep giving yourself grace to you until next time. I am Leah Crawford, this is Julie Rosano, be well, be great, and we'll talk to you next week. Bye.