Growth & Grace

Wesley Knight 0:00
This is a KU NB studios original program. The following program is underwritten by Crawford management group and Chris glow and does not reflect the views or opinions of 91.5 jazz and Moore the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education even better than I was the last time. Baby

Music 0:35
we back and we back and we back and we back and we back.

Julian Rosado 0:44
You How you doing? You ready? I'm ready. You ready? I'm ready. They play in San Francisco on Sunday. So if they win this game, if they win this game, they're gonna win the Super Bowl. If they win this game, because San Francisco is predicted to go to the Super Bowl. This is the best team in the NFL. Well, how

Leaha Crawford 1:03
they lose to Seattle? They make it make sense, yeah? Just make it make sense. They were just cruising. Oh, they just cruising, yeah, the same way the Eagles lost the rest, obviously, calling a dozen named the commanders.

Julian Rosado 1:15
They were just cruising, to be honest. But if they win this game tells it all. It's so funny,

Leaha Crawford 1:21
because I have a lot of friends from the of friends from the Bay Area, and I asked, I was like, I want to watch the game together. They was like, nope, yeah. This is a serious, serious, oh no, this game, this game is gonna be and they playing in Philly, and they playing in Philly. I hope it's snow, yeah, and rain and some more stuff. I'm just saying. I'm just saying because I'm E, A, G, L, E, S, I can spell it too, because, you know, the mayor couldn't spell it. I'm just saying out loud, yeah, on the radio, yeah. But I am excited, so we'll see what happens. So either Sunday, I'm gonna be Monday morning. Hey, where I'll be like, All right, here we go. Now, I guess it's next season. We'll see.

Julian Rosado 1:58
Hi, how you doing good? All

Leaha Crawford 2:00
right. So today, y'all, we're bringing back another guest, because we, I know, with the new year's resolutions, did you make any new year's resolutions? Yeah.

Julian Rosado 2:08
Now I heard two things that if you say them, then it's not true, or it gets broken or something.

Leaha Crawford 2:14
I have no idea what you're talking about, but go ahead. So what's the New Year's because I didn't make any. I just said. I was like, you want to know what? We just gonna let this year flow. We're gonna let it flow. It's no way, because I don't see for real. I'm like, I yeah, what? So what's new year's resolution?

Julian Rosado 2:30
Well, the last thing I heard is that you have to just keep it to yourself.

Leaha Crawford 2:35
So you can keep it to yourself. Yeah? Okay, got it all right. So he not gonna tell us, y'all but tell us, yeah. Are you still holding on to whatever you Yeah, I've been pretty good so far.

Julian Rosado 2:42
So far. All right, you're not gonna say that's the rumors. It's like after, like February.

Leaha Crawford 2:47
No, that you wanna know why? Because you can't be held accountable. That's why keep it to yourself, because you don't want to be held accountable for what you did. Well, today y'all, we have us very special guests in here. You don't want to be held accountable. That's all I can say. A very special guest in here, and we are going to talk about, because I know some of y'all made those New Year's resolutions. You might want to get your credit straight. You might want to, you know, fix your finances and do some things. So we have Frank, and I'm gonna try to get it right. Rufa, Caba, did I get it right? Yeah, from operation. Hope he is in here today to talk to us about, how do we get our credit in order? I mean, the Christmas bills are coming in. You're looking at them like, oh boy, we had a good time. But now it's time to, you know,

Frank Ruvalcaba 3:32
yeah, it's one of the things where, you know, like, you see, you gotta, you gotta cover your expenses. You gotta, all gotta do this. I gotta buy this. I gotta give. You know, gift here's here's gifts, here and there. But now that you know, Christmas season is over, and now you see that bills coming in. So, oh yeah, the credit card bill. Credit card bills. And it's like, oh my goodness, I think I overspent it. It happens, you know?

Julian Rosado 3:57
Yeah, we know. How do we

Leaha Crawford 3:59
Okay, so, nobody, this is my thing. Christmas comes the same time every year, right? Same time every year.

Frank Ruvalcaba 4:05
Exactly. How do you plan for we have 360

Leaha Crawford 4:09
days now more so to plan for it, to

Frank Ruvalcaba 4:12
get it done, you know? And that's one of the things, like, you got to prepare yourself, you know. And unfortunately, some of us don't, or the majority of people say, Oh, it's only 360 days, you know, away. So we're just gonna go ahead and wait for it until then, right? But, yeah, it's all about planning. Now, you know now that the year, and it's a new year, new you you know, New Year's resolutions and stuff like that. So now it's time for us to start coming into All right, let's take control over finances. You know? Now it's like, okay, let's sit down and analyze where, where your credit stands, analyze where your financial stance, and start planning ahead. You know, when one of the things that we talked about, you know, it was about my wife and I were Christmas shopping, you know, it was like, you know, we should be doing this early in the year. By the time Christmas comes, we already have everything. We have to worry about it. So, you know, it's all about planning. Okay? Yeah, so you know, and that's something that you know us as Operation Hope. You know my, my role in Operation Hope is a credit money management coach, okay? And we provide financial literacy. You know, the financial literacy aspect of it is for us to sit down with, with the client. We're not we're a nonprofit organization. It was founded in 1992 in LA after LA riots and John Hope, Brian, our Chairman is one that is has, you know, provided all this information has given us the other tools to come out to the community and partner with, you know, we have partnerships. One my partnership here in Las Vegas is US Bank. You know, US Bank is the one that has covered the cost of us providing the financial education, financial literacy to the community. Even if you're not a US Bank customer, we still provide you that information. So as as the new year starts, we're encouraged for people to say, You know what, let's sit down, take time and see exactly where we send financially. You know.

Leaha Crawford 6:02
So what does that look like if I come in? Because I don't want people to be intimidated when I when I come and I'm first, you know, contact you and I sit down with you, what types of questions are you asking me?

Frank Ruvalcaba 6:14
Well, the main question is, what is it that you're trying to achieve? You know, that's the main thing is, because I got to work around what you're what you're trying to get out of it. Now we provide you the tools. We provide you the guidance. But at the end of the day, it's, you know, what is it that you want to do?

Leaha Crawford 6:27
What if I don't know? What if I'm just, I have everything is all it's it's a lot, and I feel overwhelmed. So right now, I just my first I don't, I just don't want to feel overwhelmed, right?

Frank Ruvalcaba 6:38
So the first thing we ask is like, Okay, we have, we provide workshops, okay? And on these workshops, like, if you sign up for credit money management program, there is, like, improving credit, reducing debt, budgeting, emergency savings, all that. So there's different work plans that we have around those, those those topics. So we tell you, Okay, if you want to accomplish in your goal is to, you know, budget, you know, pay down debt, you know, improve credit and so forth. So one of the things that I do with my client is like, look, we have all these work plans that that needs to be done so you can better understand your finances. But at the same time, let's break it down into individual steps. Okay, because the person can sign up for everything at once. But then when you go into your client portal, because they have to create a port, they have to sign up as a client, they're going to have a client portal. And on that client portal, when they log in, they're going to have 2030, different work plans they got to do, because they signed up for everything at once. So we just have to break it down and say, what's important for you right now?

Leaha Crawford 7:40
Because that can be overwhelming. It can be can be overwhelming. And I think sometimes people get overwhelmed, and then they get stuck Exactly.

Frank Ruvalcaba 7:49
And instead of asking for help or say, You know what, France, know what, I'm stuck, I can't, I mean, this is too much. They can. We can always remove some of those work plans out of out of the the enrollment, and then work, you know, step at a time. So if a person is more look more interested about, you know, what I want to see, how I can save some money, or how can I improve my, my my finances and pay on debt or, or, you know, cut my down my cut down my expenses. Then at that point, we focus basically on the budgeting aspect

Julian Rosado 8:20
of the program, tell me a success story.

Frank Ruvalcaba 8:23
We had a client that had about like, 15, $20,000 in debt, wow. And one of the things that it was just, how can I pay this down? You know? And that person, what she was, you know, she had the money, but she didn't know how to manage properly, manage it. So one of the things that we did is that we sat down with her and and we went over, okay, this, you know, we got the bank statements, we see exactly where the money was going. And we ended up doing a budget for her, and said, Look, you know, we we see that you're spending too much money on, on entertainment. You spend too much money on on on fast food. So if you cut down those expenses, then that money that you're saving, you know, can still go out. I mean, we're not saying that, Oh, don't spend your money on entertainment or anything like that, but cut it down a little bit, and some of that money that you're saving start putting it into paying out, you know, this credit card, you know, start with the smallest balances. And then once you're done with that, then you can implement that to the next biggest credit card bill that you have, and so forth, do a snowball effect on it. And with by doing that, she started seeing, okay, yeah, I'm starting to get out of it. And, you know, eventually she did, but it was just a matter of putting making yourself accountable for that. Because we might tell we might tell you what needs to be done, and we give you the tools to get it done. But at the end of the day, if you don't apply it to your you know, if you don't apply it, you're not going to be able to accomplish anything.

Leaha Crawford 9:47
Got it so you are listening to growth and grace. I am Leah Crawford.

Julian Rosado 9:50
This is Julian Rosado, and we I was good. This time. You were good. Yeah, you

Leaha Crawford 9:55
were here. We are. We are sitting. Refrain from project, from operation. Hope. We're talking about just simple things that you can do in a new year. If you find yourself overwhelmed with finances, it just seems like you got more month and not enough money, or, you know, just things, how do you live within your means?

Frank Ruvalcaba 10:17
Exactly, that's and that's the thing is living within your means, I mean, and a lot of times, most people will spend more than what they make, you know, and that's where they get into trouble, and understanding their finances and see exactly where you at and making sure that you're covered the basics. At first, you know, housing, food, clothing, utilities, you know, things like that. And then after that, what's left over is, you know, properly manage it.

Leaha Crawford 10:41
So let me ask you this emergency fund, how much do you recommend that someone has available for an emergency fund?

Frank Ruvalcaba 10:47
We recommend for you to have at least to cover about six months of your expenses, because if you, God forbid, you got into a car accident, that might take a while for you to get, you know, back on your feet you get unemployed, that might take a couple months for you to find something. So it always good to have at least a six month reserve to cover pretty much a little question, yeah, emergency savings. Now you might say, we know I'm covered on that. You know I don't need because I have enough saved up, then you might have a fund for vacation fund, if you already have, you don't have a lot of expenses, but you want to, you still want to have at least six months of something, take a vacation. You know, a lot of times people work and work and work and they don't take time for themselves. So that's another thing that we can also cover, not just emergency savings, but also maybe, you know, for a a fund for you to have a vacation or something.

Julian Rosado 11:44
Do you tell people thinking about people about doing that, people that are just saving and just working and just working just and just working like Do you have anything like Coach advice for people just about doing that?

Frank Ruvalcaba 11:56
We kind of touch on that. But my My thing is mainly to focus on credit and focus on finances, extracurricular activities. I mean, we always tell them, you know, try to, you know, have something where you can take, you know, spend more time, not just work, you know, take short vacation, but you know, it's up to them what they want to do. And when you have extra money, or when you have money that you can allocate for certain things, it's much easier for a person to take, you know, a little bit of, maybe a quick getaway, you know, maybe a weekend, because they have enough financial stability where they can say, oh, you know, I can take a couple days off or or quick weekend, you know, somewhere. But the person that is living to paycheck to paycheck, they don't have that ability to say, you know, what I'm going to take, you know, time off. And, on the other hand, is like they're trying to get more overtime so they can have extra money to, you know, make ends meet.

Leaha Crawford 12:45
So paycheck to paycheck, yeah, because paycheck to paycheck is very interesting. Yeah, it's a different it's a, it's a hard life, it's a

Frank Ruvalcaba 12:53
hard life. Or it is, it's, it's, it's overwhelming. You get, you know, people get stressed out because of that. It's like, oh my goodness, they can take an extra 15, $20 payment because they already cutting it short. So, you know. So that's and that's something that we try to help clients understand. Okay, let's see how we can manage your money, how we can help you pay down debt and all this. It's a no cost so, and obviously, as I mentioned, they also got to put in the work. I mean, I can tell them, we know, I can see, or can, I can identify some other stuff that they have to work on, on credit or on, on their finances, but, and we give them the tools they got to do some other work plans. But if it goes back to, if you don't do anything about it, you know, nothing, can you change? I mean, I can't force them to do certain things. But at the same time, if they apply for it, and I and as I mentioned, we do have clients that they have stick with the plan, and, you know, gotten themselves in

Julian Rosado 13:51
a better position as a reoccurring effect, like after client after client, you think, Okay, well, this is a repetition that's going on.

Frank Ruvalcaba 13:59
Yeah, we see it all the time. And then if that person gets out of it, gets in a better position, they're going to talk to their family members. Hey, you know, I, you know, go to Operation help. Talk to Frank. And, you know, they helped me, you know, achieve, you know, possibly a better credit score or pay down debt, because I was taken to the plan, you know. And that's what we're trying to do, trying to, you know, put the word out there, tell them that we're here. We're we're providing a service at no cost, because us, bank is actually covering the cost of our of our workshops is coming up, cost of the material that we provide and the information. It's all about new state, and they taking step and, you know, New year, new you. So now take the time say, You know what, I'm going to set up a make an appointment, yeah, either an in person or phone appointment or virtual appointment. What's your contact information for? They can reach me at Eric code, 40499490111

Frank Ruvalcaba 14:51
more time. 404-994-9011

Frank Ruvalcaba 14:57
even though it's an out of state number i. Here locally. That is a company from headquarters. We're K in Atlanta. So that is a a that's the reason why I have a air for a 404 air code number. But I'm here locally and or they can reach me via email at Frank dot rubicava, at Operation hope.org or they can go to,

Leaha Crawford 15:19
well, you know you're gonna have to spell that, because all of you know, you know, I have a hard time pronouncing that. So go ahead,

Frank Ruvalcaba 15:24
Frank, dot Ruba cava, that's r, U, V as in Victor, a, L as in Larry, C, as in Charlie, A, B, as in boy a at Operation hope.org,

Leaha Crawford 15:36
okay, all right. Operation hope.org, and I'm writing it. I'm writing down y'all, so I can see how long it you know, it'll take. So phone number, 404-994-9011 again, 404-994-9011, on average. Frank, how long does it take for someone to work this plan?

Frank Ruvalcaba 15:59
The average is a pair, about three months, depending what on their credit or what's on on their finances, how, you know. And so we see that all three months, it could be three months, yeah, because I think at the end of the day, you know. And we do have, they do have to complete some workshops and stuff that are assigned to them once they sign up as a as a client for Operation Hope and but we can provide them. I mean, however time it takes for them to do it. I've seen people it takes, you know, over a year to get things done, but we're here to help again, it's at no cost to them. So if for some reason, something comes up and it happens all the time, you know, life happens. So I can't expect for them to stick, you know, the they will take a little time sometimes to be able to complete those courses. But, you know, whenever they get stuck, they can always call you Frank, you know, I got a question on this. Or we can do a virtual meeting, or we can come and do a one on one meeting and see exactly where they, where they where they're stuck. And I can help them go through the process. And sometimes, you know, I learn by watching and doing, and I know there's people out there doing that, so that's what we have the ability to make either a virtual appointment or in person appointment, so I can sit with them and say and pretty much guide them through the process and make it easier for them. The last thing we want to do is make it overwhelming for the person, because if they get overwhelmed. They're not gonna move forward. They get stuck, and they're like, You know what? It's too complicated.

Leaha Crawford 17:24
And I think that sometimes is the problem. You get stuck, you get overwhelmed, and you get stuck and you don't know or things don't go the way you plan them to go. Something happens. So what do you do when something happens? Right? What I mean, what do you suggest that people do something happens, unexpected expense, and I had to spend the money I had saved. What do you suggest? Oh, yeah, that's terrible.

Frank Ruvalcaba 17:47
Yeah, yeah. That is, you know, you know, things happen. And like, for say, for example, something in emerging happens, and they have a credit card, they have available credit for that, you know, if you have to use, you got to use it. I mean, can't say, you know, ball, don't use it, because now your your debt to income ratio is going to get affected by it. Use it and just make sure that you don't pay the minimum. Try to make extra payments so you can start bringing down the balance that you had to or that you know, the credit card balance, to make sure that you, you know you're able to cover that emergency. For that, you know that for

Leaha Crawford 18:20
that, I'm gonna give you situation, I'm gonna give you something that we tell our clients, so we, because we don't, we don't do that as extensive as you do, but we always, always have an emergency fund. And emergency fund is anything like 1000 to $2,000 in cash, readily available at all times. And to keep that, you know, in your house, or, you know, just, just in the state somewhere, that when little stuff happens, you don't have to use the credit card. You can go use that. Can go, use that, put that money back, and then go back to whatever plan you're on. And we found it to be kind of successful, because things happen like, you know, tires on the car, oh, yeah, you got to get breaks. You didn't plan for it, you know, because you plan for the oil changes or something like that, but your driving tire blows out now you got to go, you know, just, just things happen, yeah,

Frank Ruvalcaba 19:04
tired, not cost you, like, almost, like, 150 $200

Leaha Crawford 19:07
for it depend on the car. Depends on the car. Yeah, it does. But, yeah, something like that. But just having something available to you to do that, so you don't have to use credit card. Yeah, the card immediately. But we tell our clients to do whatever you do to get that first $1,000 saved. Just put the money there. Just save it. Don't think about anything else. And then whenever you use it, you just put it back, and then you go back to whatever your plan is. What do you think about that?

Frank Ruvalcaba 19:37
That is, that is a good plan, because that goes back to, you know, the emergency savings that we're talking about, because that will avoid you from, you know, using a credit card, but

Leaha Crawford 19:45
that's before you get to the emergency savings. That's in addition to put it

Julian Rosado 19:49
back, put it think that's a point that I didn't think about.

Frank Ruvalcaba 19:54
No, you have it there, but you forgot the basic. The most important part, right, is that.

Julian Rosado 20:01
Say, I know that I did all that, but I didn't put it back.

Leaha Crawford 20:05
You are listening to growth and grace. I'm Leah Crawford, yeah, so y'all heard that, y'all Julian, Julian just didn't put it back right? And the reason why we did that because we were finding that, and I've been doing this now for about a decade, but finding that when you and it's little stuff, so if you have this money readily available, something happens that takes off some of the stress, right? Because bad enough something happened, but then how are you going to fix it? But if I know I have the money available to go fix it, then that's less stressful for me and that, you know, now I can think through it because I'm because stress thinking about something and calm thinking about something, you get two different results, right? So I'm calm thinking about it. Okay, I'm gonna go do a, b, c, x, y and z. I know I have the money to cover it now. The first thing I'm gonna do is put that money back, and then I'm gonna go back to whatever I was doing before.

Frank Ruvalcaba 20:57
Yeah, that's because you have a solution to your immediate problem. Oh, yeah,

Leaha Crawford 21:02
but it took me years to but yeah, but then again, I've been doing this for a while, so I tell people, Don't compare yourself to what I do, because I've been doing this for a while. But when, when I was just starting, it was intimidating, right? To do that first budget, especially when you talk about six months of expenses, because I didn't know what those

Frank Ruvalcaba 21:20
were, yeah, and that's, and that's the whole purpose of sitting down and looking at, you know, all your overall finances. You know, we have a budgeting worksheet where it can say, you know, how much is your your monthly income, what is your monthly rent, what is your you know? So we go over, you know, all these, all these expenses that we have, and that way you'll see exactly, because, yeah, I know what I what the expenses are, but, you know, putting in and writing is a different thing. Oh, it's a reality. Check. Was like, Oh, my goodness, I've been spending all this I spend this much money. It's like, it's

Leaha Crawford 21:49
so funny, because I had a client come in. He had no idea how much money he was spending. And when he looked at the number, he was like, he looked at, I mean, he looked at it again, he was like, Are you sure I said, you add it up these, this is what you told me, and you add it up, and when he added it up, he was like, Oh my God. He had really no idea how much money he was spending on a monthly basis, on just living, right? And then he's because, he was like, Leah, why? You know, I'm making good money. And he was making good money, but he was like, I'm spending I was like, Yeah, first thing we gonna buy a house? Stop paying rent, rent right out here, right now. It's ridiculous, right?

Frank Ruvalcaba 22:24
It is. It's getting out of hand. Looking at a one bedroom apartment is like almost $1,500 like crazy

Leaha Crawford 22:31
for something that was 500 Yeah, yeah, 500 at one time, yeah, in my lifetime. So I you know, that's why you think about it.

Julian Rosado 22:40
And I bet then they were complaining $500

Leaha Crawford 22:43
they were cost

Frank Ruvalcaba 22:45
of living has increased quite a bit, so it's just amazing. So yeah, and it's a reality check, and that's the same thing that we're just talking about. I mean, you, you don't, you don't realize it. Now, with the access of having your your debit card information into your phone. We can just, oh, you know,

Leaha Crawford 23:03
okay, so funny story I'm gonna tell you. Okay, I have a teenager. I love teenagers, and he has cash app, right? So phone just happened, happened. Has no idea how much money is in it. And I manage, you know, and Julian, last time I hate, I know he hates having a mother as an accountant. I said, Yeah, he does. So he's tapping, and I can see the the card. I see the money going down. I said, he just tapping, just tapping. So then the charges started being declined. I fell out laughing, and he called me mom, I need because you didn't budget right, because you should have looked at the Cash App balance first before you tapped right, just to see how much money you had.

Frank Ruvalcaba 23:43
So in other words, he tapped out, right, he tapped out,

Leaha Crawford 23:47
he tapped out. And I giggled. I sent him. I sent him $10 I was like, I'm gonna send you $10 for the small transactions, but this time, but they they do. They do when it's 650,

Julian Rosado 24:00
here, $7 here, $3 dang tipping, tipping. Well, not only that, really stop. I'm on the edge of stop doing that. Well, no,

Leaha Crawford 24:09
so depending on where they're charging, especially, you know, and I'll put it out there for the like they have to charge at the school district. When they do certain things, it's automatic. It's $1 but then they charge the fee on top of it, the credit card fee on top of it. So something that's $1 is 130 is like, 130 and I'm telling them, I'm like, look wherever you can pay cash, pay cash, right? And he's like, But mom, they don't accept cash. That's like, but sometimes they do when you still running around here, tapping your phone, right? You know? So wherever they take cash, take play, pay cash.

Julian Rosado 24:39
And they once give you a frown when you pay cash.

Frank Ruvalcaba 24:42
They look at the bills like, Okay, so now they got to do the math and try and change

Leaha Crawford 24:47
back, right? And I rather you learn how to count, you to know how to count, right? But no, we were talking, but that's happened thing. And I see adults because I don't tap, I don't tap. I go through, I try. Pay cash for honestly, to keep I learned a long time ago, pay cash for something

Frank Ruvalcaba 25:05
really, especially the little stuff. You know, $5 here, $3 there. Tell me this now.

Leaha Crawford 25:10
So let me know. Let me tell you why. Let me tell you why. If I have to pay cash for it, I monitor if I know I'm only going to spend $50 that's all I have. And I don't have a credit card to pay anything over. That's all I'm

Julian Rosado 25:23
gonna spend. You mean, you like, you leave for the day. Okay? All I

Leaha Crawford 25:28
got is $50 Okay, so I'm gonna make the best decisions that day on my $50 see,

Frank Ruvalcaba 25:32
because you give you care, if you credit your debt, you, if you carry your debit card with you, you have more than $50 in your bank account. So you're gonna go over that limit that you have? Like, set him right there.

Leaha Crawford 25:44
Oh no, no. And honestly, sometimes I forget I had a money. And my son laughs all the time. He said, you know you got cash in the car. I was like, I know you got cash. I know I'm not. No, we can't.

Julian Rosado 25:55
We can't. I can't.

Frank Ruvalcaba 26:01
You already paid for this. I have only, like, $30 left, and I got to make it last.

Leaha Crawford 26:05
And then when I go, like, say, if I go to and this is part of the grooming once you go through these type of programs, because I went through these programs probably in two, in the 2000s when you go to stores. So when you go to stores and you plan to buy something, you take, maybe that card, but then you have a limit on what you can spend, and you stay within that limit. So every time I buy something, I have an idea how much I'm gonna spend.

Frank Ruvalcaba 26:29
Yeah, you have, like, Okay, this is 1999 This is 25 something. That's, you know, and that's it, I can't exactly, yeah, but that's,

Leaha Crawford 26:39
that's, that's, that's more than quality. And I remember being younger and having $100 and I had to take me and my daughter, and I had to go to the grocery store. And I was like, Okay, I have to feed us for the week with $100 what can I get? What can I get to make it last through the week with this $100 the bill was 9950 Wow. And my daughter was like, Oh my God. I was like, you, you saying, Oh my God. I'm saying, oh my god, you had 50 cents left, 50 cents, I mean, but the thing, but I had to learn how to budget, because we were on, I was working, but I was,

Julian Rosado 27:14
you playing that before you went in. Absolutely, absolutely,

Leaha Crawford 27:18
absolutely, this is, I mean, this is the 90s. So we, I mean, it's the 90s, but I learned that from my grandmother. Look, here you plan before you go, so that you don't overspend, because you have to live within your means, right? You know, you budget until you don't have to budget. How about that budget so you don't

Frank Ruvalcaba 27:36
buy something that is gonna, no, you're gonna be able to make a couple meals out of that. And, you know, so or

Leaha Crawford 27:40
different grandma was interesting. That's great grandma. Great. Our great grandmother was a frugal one. Our grandmother will spend she look here, she was interesting. But all right, y'all Well, that brings us to the end of the show, Frank. I'm gonna give you a number one more time. 404-994-9011 again. 404-994-9011 is that correct? That is, and you say it one more time, just so we can go sure

Frank Ruvalcaba 28:09
it's Eric hook, 404-994-9011

Leaha Crawford 28:13
all right, Frank, so we got to bring you back on so we can definitely and let's talk, and let's talk some more, because I think that there's always someone starting this process exactly, and you want to encourage them to, you know, the hardest

Frank Ruvalcaba 28:27
part is just to start it. The hardest part is picking up the phone and call, yeah, it's just to start it. Yeah, it's just once they do that. I mean, I'm here to help. I'm not here to judge. I'm here to provide you the information, provide you the tools that you need and the guidance that you need to be able to achieve. You know, your your financial goals, and I'm here to help.

Leaha Crawford 28:47
All right, I appreciate it. All right. That ends our show for today. All right, Julian, I want to say Happy Founders Day to the ladies Alpha Kappa, Alpha Sorority Incorporated coming up on January 15. Soros, I hope you have an amazing, amazing Founders Day. You know next weekend is the MLK Day. Parade is coming up. It's coming up where, where it's gonna be downtown, on on Fourth Street. Unfortunately, downtown on Fourth Street. So we will be out there in our pink and green, but we'll talk about that next week. All right, Frank, we're gonna bring you back soon. Sounds good. Thank you so much for having an amazing, amazing weekend, E, A, G, L, E, S, eagles. Bye. You.

Transcribed by https://otter.ai