#50 – Sharon Lechter: "How to Money" (The Language You Can Master)

You are at the intersection of wealth, health, and happiness. Welcome to the Wealthy Wellthy Life.

Hello, and welcome to the Wealthy Wellthy Life, the show about becoming wealthy without sacrificing your healthy. Each week, I interview a counter-cultural thought leader to bring you a unique millionaire mindset. I’m Krisstina Wise, bestselling author, millionaire coach, and your personal guide to money, health, and happiness.

Today, I tackle money wealth with Sharon Lechter. Sharon is an entrepreneur, bestselling author, international speaker, mentor, licensed CPA, a chartered global management accountant, and all-around rock star. While working with the Napoleon Hill Foundation, she released three blockbuster books: Think and Grow Rich, Three Feet from Gold, Outwitting the Devil, and Think and Grow Rich for Women. She’s also worked for CEO of Rich Dad for over a decade where she co-authored the international bestseller, Rich Dad Poor Dad, one of the top money books of all time. Additionally, she was instrumental in turning the electronic book industry into a multi-million dollar market that it is today. Finally, in all areas Sharon has driven by an incredible passion for education on financial literacy, a topic that is too often missing from the conversation.

She’s all about helping others increase their financial IQ. As you can tell, Sharon is a huge deal in the money world. This is a fantastic interview full of valuable millionaire takeaways. You absolutely don’t want to miss this one. Enjoy.

Sharon, you are such an inspiring woman. Among a long list of impressive professional accomplishments, you co-authored the international bestseller, Rich Dad Poor Dad, along with, I think, 14 or 15 other books in that Rich Dad series. you’ve been asked by Napoleon Hill Foundation to help re-energized the powerful teachings of Napoleon Hill, and you’ve released three bestselling books in cooperation with that foundation: Think and Grow Rich, Three Feet from Gold, Outwitting The Devil, and Think and Grow Rich for Women. Not to mention, you were appointed the first President of the United States Advisory Council on Financial Literacy serving both President Bush and President Obama, advising them on the need for Financial Literacy Education.

Wow, you’re amazing. Obviously, I’ve been following you for a long time and I’ve admired your work for a couple of decades now. I can’t believe it’s been that long. But, I’ve always been watching, reading your work and you’ve certainly had a big impact in my life, whether or not you know that.

The way I like start my interview is to learn a little bit of the backstory of my guest so that those don’t know you, who is Sharon Lechter? Tell me a little bit of your story.

Well thank you Krisstina. It’s wonderful to be with you again, and I appreciate it. It just tells you that I’m really old, all that stuff that you just talked about. I actually started my career as an accountant. Back then, one of the big gate accounting firms, I was only the fourth woman ever hired, like Coopers & Lybrand in the southeast United States.

So, I started my career in Atlanta, and about four years into it, I said I was working 80, 90, 100 hours a week. I said, “If I’m going to work this hard, I should be working for myself.” So, the entrepreneurial bug bit me at the ripe old age of 25 when, of course, we know everything, right? At 25, we’re experts. I had a client invite me to go with him and invest in a new company and I said — I still remember sitting at my bed in my apartment in Atlanta with the yellow legal pad where you have the pros and the cons listed out – didn’t help me a bit. I could’ve argued either side, but my hand kind of took off and wrote across on top of the page, “Why not?” That really has been my philosophy and my mantra my entire life is why not do something different? Why not take the road less traveled? We all hear about finding your why and that’s important, because that’s your passion. But, the why not is action-oriented. We ask why, we expect somebody to give us an answer. Why not is kind of like crumb within. Why not take the action that you know you have the opportunity to take?

So, I made that decision to go ahead leave public accounting and go with him. It was the worst business decision of my life, but that was the very early lesson in my life about what Napoleon Hill says, every adversity creates the seed of an equal or greater benefit. It was and it is still today the worst business decision of my life. I met my husband and we’ve been married 36 years. Actually, tomorrow, we will have known each other 37 years. So, again, worst business decision created the best life decision for me. I always tell people, failure is not how many times you fall down just as long as you get up and to keep going.

I went on and started a woman’s magazine and then I was concerned our children didn’t like to read, so I met the inventor of the first talking book, and those are children’s books that have the sound strips down the side where you touch it and it makes noise. We started that industry in 1987, and we grew that. First year was a million in sales and 9 and 23. In our fourth year, on track to hit 52 million in sales, we sold that company. That was in 1991 and that’s when we relocated – we were living in Wisconsin at the time – down here to Arizona, and we’ve been here ever since for 26 years.

A year later, our oldest son had graduated from high school, and went off to college and got into credit card debt his very first semester. So, I thought I was pretty mad at him but I realized I was more mad at myself, and that was the December of 1992. That’s when I dedicated the rest of my professional career to Financial Literacy, Financial Education. Started working with school systems.

Fast forward six years 1996, four years, I met Robert Kiyosaki through my husband. He has gone to him to get some legal work on patenting and the board game, Cashflow. I was the only one who got out of the rat race on the beta test of the game. I said, “This is information that people need to know,” so he asks me to be his partner. We wrote “Rich Dad Poor Dad” together first and that started a 10-year partnership where we wrote 15 books together. Of course, we were blessed with success because it was the right message, a needed message at that time. We ended up with 108 countries, 51 languages, and it was quite a ride of success. But, more importantly, people were telling other people about it because they found value, and that was such an incredible opportunity.

Left the Rich Dad Organization in 2007, because my partners wanted to go into franchise and I didn’t agree with the model. That’s when a few months later, I was having a little pity party for myself like, “Did I make the right decision?” and that’s when I got the call from the White House. A few months later I got the call from — I often tell people, “Sometimes you have to close one door for other doors to open,” because I would not have gotten the call from White House had I still been at Rich Dad. I would have not gotten the call from Napoleon Hill Foundation had I still been at Rich Dad. Sometimes, you have to take steps that are right for you, and really with a little bit of unknown of the future.

So, I was really blessed and honored to serve on the President’s Advisory Council. Certainly, I loved my relationship with the Napoleon Hill Foundation. And yes, In addition to the three books you mentioned, I’m in the midst of three more books: Think and Grow Rich: The Magic Key, Think and Grow Rich for The Next Generation, and Think and Grow Rich for Kids. There’s not much dust growing on maybe these days, but most importantly I love working with entrepreneurs. I have master-mentor program and I’ve had the opportunity to really work one-on-one with people taking their businesses to the next level, and it really has been more rewarding for me than for them, but it’s been a lot of fun, and we have such opportunity today that is really exciting to me to see companies really creating their own path, taking those paths less traveled, the why-nots of life. It kind of brings up from early to late, here I am.

Oh I love it. You reference that it was the worst business decision you made, that first jumping out of some more stable income, public accounting, corporate ladder career, to just going into this entrepreneurial business side of things. Why was it your worst business decision?

Well, great question because it was not the worst decision to go into entrepreneurship. I totally support entrepreneurship. But, the client had invested in the company that had been in bankruptcies, so we were pulling the company out of bankruptcy in order to preserve NOLs, and that gets a little on the technical side. Once I got up there – this company was in New Hampshire, had been in New York in Long Island, and it had move to Gonic, New Hampshire – and I found all kinds of corruption, and stress, and trauma. Of course, I’m there with my CPA certificate still pretty much fresh off the printing press and I’m an officer in the company realizing that, “Oh my gosh, what have I done?”

It was a good learning experience in the element and the need of due diligence. So, make a decision but do your homework and do due diligence. I don’t ever regret leaving and going into the entrepreneurial world because that’s really where my heart is. Thank you for asking that clarifying question.

Probably by doing that early, we have more time to sort of make up for some of those mistakes if we jump into the entrepreneurial game earlier and persist versus maybe later on where we might not take as many risks or whatever just because those lessons might have more of a life impact than when we’re younger.

Usually, it might be a little bit more dramatic when you’re a little older because we form habits. For me, I always thought that I had this warring side of me: the conservative accountant and the risk-taking entrepreneur, and indeed I do, and that’s part of being an entrepreneur, I think, understanding how to give credence to each side when appropriate. But, I think from a standpoint of — a lot of people are forced entrepreneurship because they get downsized, outsized, rightsized. It’s not quite as much of a why-not experience. It’s a, “I have to figure out how to eat and how to feed my family.”

For me, I was raised in a very entrepreneurial home. I was the first generation to go to college. My father has career in AB and then he was at Mt. Marietta but always on the side, we had real estate, rentals, he owned Orange Groves, he had a car lot, my mother had her own beauty shop. So, I was raised in that entrepreneurial setting and when I first left and got out of college, I had wanted nothing to do with it. I was like, “I want a safe, secure job. This is way too dramatic.

It didn’t take me but a few years to realize that that’s where my heart was. I kind of feed off from that stuff. I was able to get back on track at that much earlier age. I will tell you, the four years that I spent in Public Accounting were invaluable. I tell people, don’t go get a job, but get one that’s going to help you learn and educate you so that when you do choose a different path, you’ve gotten seasoned. Because, in those four years, I saw lots of companies do a lot of things right, and a lot of them do things not so right. It was an incredible education. I don’t regret one day of my entire life. I tell people, “Regret is just wasting precious time today.”

That’s so true. Well, you make a good point there. I think so much that it almost makes it sound like you have to choose or your one personality won over the other. The truth of the matter is you can be both, and it might be a good idea to start learning young, and then with some of that education you get by working in a sort established environment could really serve you when you go off on your own.

Well it also, it allows you to learn chores, it allows you to network, it allows you to get a little bit more experience on working in a group. Entrepreneurship can be very, very lonely. A lot of people don’t realize that until they get into that world and it’s like, “Oh my gosh.” If you don’t have that established peer network, it can get very, very lonesome. So, that’s something that I think was great value to me. I established lots of networks with them, my field, people that I could and bounce things off of, and I think that’s very important to have that kind of life experience.

I totally agree with you and you’re right. They don’t tell you that in the entrepreneur books, how lonely it can be. You make a good point. Sharon, you’ve a hand in two books that I can say honestly, radically saved my life. One was Rich Dad Poor Dad. It was the first money book I read after hitting my financial bottom, while I’m sitting in total financial despair, I don’t know how to get myself out of in $150,000 of credit card debt, just lost my income. I was a high-income earner then I lost that income, but I was in so much debt. Just went from thinking of I’d sort of hit the American lottery to the exact opposite of that.

I don’t remember how I stumbled across Rich Dad Poor Dad and this was in, probably right around year 2000 or so. When I read that book it just help shape some of my thinking, which is ironic because I, actually in college, studied accounting and finance and worked for Coopers for a little while myself. Didn’t go the CPA route; sort of went the entrepreneurial side before even though I was studying for that.

So here I was, I had this, sort of, let’s say, money background and I really learned money for the first time in Rich Dad Poor Dad in sort of that first set of books you guys wrote. The second book that I’d say has made such a huge impact in my life is the Think and Grow Rich, which I probably read soon after that. So, I’m just curious, what was your inspiration behind Rich Dad Poor Dad to writing that? Because, it was different. At least, what I was exposed to, the first money book that was talking money differently than how it’s normally thought.

Well, and that’s something even today. There’s still a lot of money books that are kind of in an old-world model. We actually, and most people don’t know this, “Rich Dad Poor Dad” was actually written as a brochure. When I first met Robert, he had this idea for the Cashflow board game and my background in the talking book industry had also done games. So, I helped him commercialized that and that’s when we became partners. Along the way, he wanted to charge $200 for this board game and I said, “No, we really need something a little cheaper that gets people interested in playing the game.”

So, we wrote Rich Dad Poor Dad not expecting it to be the first 15 books we’d do together. Just one book, and it was a brochure to give away to get people interested in the game. The world said, “No, no, your brand is not Cashflow, your brand is Rich Dad.” The whole concept of the book was again to open your mind to the simple financial facts.

The most wealthy people in the world all have one thing in common, they own assets. Yet, school teaches us how to work for a living. When you think about Cashflow Quadrant which was the second book we wrote, that making money as an employee or as a self-employed person, like a speaker, those incomes rely on you and the hours that you put into something. So, your income is limited to how much time you have and how much time you can work. But, on the right side of the Cashflow Quadrant is that of a business owner or an investor. On that side, your income is unlimited, but that’s income from assets. Whether paper assets, whether it’s a business you own, whether it’s real estate, whether it’s intellectual property that you’re getting income from, those assets create financial independence.

So, the whole concept of Rich Dad Poor Dad was to get people to understand the difference between active income, which is you working for a dollar, and passive income, which is your assets working for you. It sounds like a really simple concept. The problem is nobody taught it until we did Rich Dad Poor Dad. That’s the element, the basis of everything I do today whether it be through the Rich Dad series or now my work with Napoleon Hill Foundation is again I always say, “The sexiest word on earth is assets.” Assets is what will determine financial wealth and that’s what people need to concentrate on. Not how much money they’re making, but how many assets they’re building and how much income those assets are generating. That was the whole concept.

Some of the things that we did were a little in-your-face, your house is not an asset. We’re using the definition of asset as something that puts money in your pocket. Your house, from a bank’s perspective, they think of your house as an asset. From a standpoint of does that asset, does that house put money in your pocket, or take money out? So, from our perspective, don’t buy a bigger house. Keep your house modest. Put that extra income that you’re getting that raise into buying assets that generating revenue, and from that income, then you can buy a bigger house.

I remember that. I remember your house isn’t an asset, your car isn’t an asset, and it really shaped my thinking. It caused me to reflect on why and how I got in so much trouble and why I was in so much debt. I was really victim of Parkinson’s Law that the more income I made, the more money I spent. But then, I didn’t spend it with cash, I spent it with debt, basically. It’s just more debt payments every single month that really matched my income. When I read that, both Rich Dad and Cashflow Quadrant, it gave me the idea, move from income to more business. Seriously, those books really shaped me and sent me on a totally different trajectory than had I not started with your books.

I’m thrilled to hear that and absolutely honored that something that I wrote impacted you in such a positive way. I often ask, “How did you hear about Rich Dad Poor Dad?” and usually it’s because a friend gave it to them, an aunt, an uncle, a parent. Some say, “My kids gave it to me.” Rich Dad Poor Dad was a viral success before the internet.

Yes, it was, actually. That’s funny to think about. Yeah, I read it pre-internet. Now, that’s Rich Dad Poor Dad. There’s Think and Grow Rich, which, to me, is just a timeless masterpiece that I think everyone should read. I’ve required both of my children to read it. It’s something I read at least once a year just as a review because it never gets old. Those principles need to be — for me, I need to be reminded of them on a regular basis. Since you’re so close to Napoleon Hill Foundation, is there any back story that you can share about Napoleon Hill that most of us that read the book wouldn’t know?

Well, I think from a standpoint of those of us that have read Think and Grow Rich, a few years ago, I had the huge honor after I did my first book, Three Feet from Gold, the foundation called me and said, “We have this manuscript, we don’t know what to do with it.” It had been hidden away for 73 years. So, Napoleon Hill, when he released Think and Grow Rich in 1937, it was his life’s works. He spent 25 years on writing it. So, he released it in 1937, but he was frustrated. He says, “Even though people know what they’re supposed to do to become successful, they don’t do it,” and it’s so true. It almost feels like somebody’s talking to me when they say that. So many people we know, they know what they’re supposed to do but whether they’re a couch potato or whether it’s fear of failure or fear of success, they don’t do it. So, he was frustrated. He said even in his own life, he’d been on this roller coaster in his own life that he knew what he should do and sometimes he just didn’t do it.

So, in a few short months, he sat down and he wrote another book called Outwitting the Devil, and the title scared his wife to death. She forbid it from being published and it got shoved into a safe, and it didn’t see the light of day until after he died, she died. Her sister had it. When she died, her husband gave it to the foundation, and that was in 2009 when they called me and said, “They’d really like for you to look at this and tell us what you think we should do.” Literally, in a couple hours of reading it, it helped me changed my life.

It’s an incredible, heartfelt look at where we cause ourselves problems, and it’s really all about fear. Where does that fear come from? Many people say, “Oh, devil!” We’re a Christian group. I just said, “Just read it,” because he talks about there. You can think I’m talking to the real devil or an imaginary devil. The issue is will you derive any benefit from what I share.

It really is a transformational book, and the thing that I love about it, Krisstina, is that my goal of working with Napoleon Hill was to bring his teachings to current generations. Because when I first started working with them, young people, when I say that now, under the age of 50 is a lot younger, didn’t even know who he was. They didn’t understand. They’ve never heard of Think and Grow Rich.

So, we’ve been reinvigorating this messaging but Outwitting the Devil has taken lit of fire with the millennials. We have succeeded in our goal and, continuously, we have somebody now that’s making a movie out of the book, Outwitting The Devil, and it really is transformational work. It’s a little in-your-face and I think there was probably a higher power at work because if they had it come out 1938. it might have dampened the success of Think and Grow Rich. But, today people are actually reading Outwitting The Devil first then reading Think and Grow Rich and making incredible progress. It’s been really, really exciting.

That’s kind of the back story. A lot of people, a lot of rumors out there that Napoleon Hill died broke. He did not. He died with, I think, a million dollars in the bank. Things like that. So there’s lots of stories out there. But, he truly, if you think about one person, Napoleon Hill created our industry of personal development and personal wealth. He is the one who came up the idea of Mastermind. It was his concept. He originally wrote about the Law of Attraction in 1916. Of course, we look at the book, the secret in the movie and talk about the Law of Attraction, but it really originated with Napoleon Hill. He originated the term “pay yourself first”, which of course every financial planner or bank out there is using. Napoleon Hill created it. Even if somebody listening to this is not familiar with Napoleon Hill, you’re familiar with his work as a result to many of those things: Mastermind, pay yourself first, all of those things. He actually wrote the term for many of the fireside chats by President Roosevelt, one of which the most famous was, “There’s nothing to fear but fear itself”. That was written by Napoleon Hill. That’s a few little tidbits for you.

Yeah, I love that. How fascinating that the book was written — when was the Outwitting The Devil written and when was it released?

It was written 1938, and it was released in 2011.

2011 right. What I find fascinating again, that’s a must read. It’s another book that I’ve required both of my children to read and write a book report on. Actually, I had them write when it came out. So, however many years ago that’s been, so they were much younger. It was fascinating to see what their book reports were, what they took out of the book at a young age. For me, what I found amazing about that book is that for the year it’s written, it’s so apropos for today. I mean, every single one of those things. Did he have a crystal ball?

It’s pretty spooky actually. It’s spot on. For those people who are die hard Napoleon Hill fans, I had the honor of bringing it out and I annotated it. I say, the comments that I put in the book are in a different typeface so that people who are die hard Hill fans can ignore what I write and just read it over. But, understand that the whole concept was to bring this to a new generation. So, my comments were meant to compare when the book was written to today. So, to give that counterpoint so that we get a little more realism. Because, he would talk about the price of things and you think about a price of bread was eight cents. Back there, it’s not so much anymore.

It was interesting to your point. He was spot on in everything that he wrote, talking about education, talking about are your teachers teaching you out of fear or out of joy? Are you learning your religion through fear or through faith? All of those things. Are we eating things that are healthy for us? Totally with my mind what he was talking about the people that would start eating processed food back when there were no processed foods.

He foretold that we would be paying for our gas at gas tanks. That was in 1938 he wrote that. It was an interesting, interesting read and just for me, I was given the manuscript, I ran over to San Diego and rented a condo over the ocean, turned off all my phones and everything to read the manuscript. It was amazing to me because it was literally, first in ’38, it was typed on a manual typewriter and he had handwritten notes. It was such an awesome experience. I think I was only the fourth or fifth person to ever read it. It was an incredible experience and I’m so honored to have had a role in bringing that to the world.

If you look at Think and Grow Rich and Outwitting the Devil they’re both just filled with a-ha’s, lessons, takeaways, principles, however you want to call it. But if you had to take one out of each to share, what would be something you would share at one principle or take away out of each of those books?

Well, I think the synthesis of both book is in the personal success equation that we talk about in Three Feet from Gold. I really would like to highlight that because the personal success equation, start with your passion and your talent, and as we talked a little about Rich Dad, most of us stop there because we think it’s up to us. Love what you do, do what you love, and your talent, whatever you’re training yourself for. Of course, my passion didn’t come out of love, but out of anger for not teaching people about financial education. That was my passion and my talent was my experience as a CPA, my experience knowing finance and accounting and my experience in publishing. I was able to combine those two elements very quickly.

But, in order to truly be successful, your personal success equation just starts there. P plus T and then there’s times A, which is times association, and this is what they don’t teach us in books. It’s very important to surround yourself with people who want you to succeed. Have mentors who are there to help get you to the next level, have peers around you that can help give you some feedback. And that power of association, when I work with company CEOs and their company starts stagnating, I go, “When was the last time you went to a new networking group?” Expanding your horizon, expanding your association brings new vitality into your organization. So, that’s P plus T, passion plus talent times A, association, and then there’s another times A, which is action. It comes back to people know what they’re supposed to do, but they don’t do it.

Taking the right action, and action is all about the fortune’s in the follow up, right? The action. Taking the right actions each and every day towards your goals. We almost went to press with that as the formula. I say now, there’s still something that is making these individuals that we were interviewing different, and it was plus F, and that F is for faith. For most of us, that F is fear, and that’s what holds us back. But, these people had faith in not just themselves, but faith in what they were doing.

The most successful businesses do one of two things: solve a problem or serve a need. So, every business owner in the morning, every morning, remind yourself of what problem are you solving, or what need are you serving? That gives you that why-not, that gives you that energy and inspiration from within that what you’re doing is really needed and important, and that faith that what you’re doing is needed and necessary, faith in yourself that you are able to do it and make a difference in other people’s lives, and it’s that faith that will get you through the valleys, get you through the tough times.

Fear does one of two things: it paralyzes or motivates. And most of us, fear paralyzes. So, we want to, through education, through reading Think and Grow Rich, through reading Outwitting the Devil, through reading and educating yourself and surrounding yourself with people that want you to be successful, you’re going to see your fear turn into faith. I tell women in Think and Grow Rich for Women, one of the biggest issues – I’ve gone around the globe, so it doesn’t matter what your address is or what language you speak – women tend to have lower self-confidence. I say, “Let’s acknowledge that that’s an issue.”

So, while you’re building your self-confidence, surround yourself with girlfriends who think you’re fantastic, and help let them bolster your self-confidence as you’re becoming more confident. I’m a better salesperson for you than I am for myself. I recognize that, so I have to bring in marketing support and sales support, because it’s not something that I like to do. So, I’ve chosen that. I recognize my weaknesses, and I hire my weaknesses, and elevate my strengths, and that’s something that every business owner needs to be really a critical eye on to really understanding where your strengths are.

I love that. I love the P plus T times A times A times F. The A for association, it reminds me of what we were just talking about is sometimes the danger of going off to be an entrepreneur, solopreneur, spending too much time by yourself and not building that network, and spending too much time alone in front of the screen.

I see this so often, Krisstina. People that have been very successful within accounting or with law, they’ve been in a peer group where they’re one of many experts within a field, and then all of a sudden, they get the bug for entrepreneurship and they go off on their own, and they lose their own personal identity, because they’re not the manager of their law firm anymore. They’re out here trying to start their own business. When people retire, all of a sudden, their identity, they were an engineer. Now, they’re retired, so they feel like they’re lost.

So, for entrepreneurship, it’s really important because you are a lone ranger. As a solopreneur you need to make sure you surround yourself with people that are going to continue feeding you. Not just encouragement, but feeding you energy, and their energy, and their excitement for what you’re doing, and it helps keep you motivated and keep you on the right path.

So, that’s the synthesis out of Think and Grow Rich, something similar for Outwitting the Devil?

Yeah, absolutely. All about that fear to faith. Outwitting the Devil is about how to conquer fear that’s holding you back. Because, it talks about that definiteness of purpose, finding your why or your why not that keeps you going, that keeps you motivated, and then understanding that you can control your time, your environment, how important that is, how are you spending your time, who are you spending with, and that self-discipline, right? Kind of a negative connotation, but really what it talks about is how you could form a new habit. What happens is most of us form habits that are not productive. So, you need to break that cycle, and if you get yourself into a pattern that’s a productive pattern, it becomes a habit.

So, we hear the concept, “The rich get richer, the poor get poorer.” Well, that’s because the rich have figured out how, and so they keep doing what they’ve learned, and so yes, they keep getting richer. So, we want to make sure that education is available to anybody who wants to create success in their life so that they can start doing the right things often enough and for long enough that it creates a lifetime of success.

One thing, if I remember correctly, with Outwitting the Devil is the concept of drifting. Would you expound on that a little bit?

One of my favorite things. In the book, and of course, it’s a parable because the book is set up as an interrogation of the devil. So, I often compare it to that movie, “A Few Good Men,” when the guy is on the witness stand. So, that’s kind of the visual that I have in my mind. So, the devil has to share his expertise, and he talks about how he uses mind warfare, basically, and that 98% of people are drifters, and only 2% are going to be successful. It’s like I compare it to we talk about somebody that says, “Whatever.” They kind of like go with the flow. “Where do you want to go to eat?” “I don’t care.”

A drifter kinds of gets into that what they call harmonic rhythm, which is a negative connotation. They basically allow themselves to be abused by life. Things happen to them, they’re not taking control of who they are and what they want to do. So, they’re not controlling the most important asset we have, and that’s our mind. So, the 2% that control their mind, the devil basically says, in Outwitting the Devil, “I’ll leave you alone because you’re going to be successful, and I can’t burrow into that reign.” But, for everybody else, he understands what gets you, what rings your bell, what pulls those strings, what makes you nervous.

It’s not in the book, but something that I found since I released the book and when I talk to groups, particularly for women, the term “worry”. The definition of the word “worry” is to pray for what you do not want, and it really is. It was very impactful for me in my life because I am a champion worrier. I came by it very legitimately. My mom was quite the worry wart. So, now I catch myself when I get into what I call — when I’m in one of those states, I call it my own little personal Rototiller, because you just make yourself physically sick. I go, “You know, instead of concentrating on the negative outcome, praying for what you do not want,” I can catch myself now and say, “Stop, Sharon, wait, instead of concentrating on what you don’t want, let’s turn that brain a little bit. Let’s snap it and say, ‘Let’s focus on what I do want to have happen,'” and when I do that, the outcome is amazing. It’s like you completely change yourself from negative vibration, negative energy to one of hope and positive energy, and it impacts everybody around you. So, that’s a great lesson from Outwitting the Devil is to refocus your thoughts and not have fear, but have faith that you’re going to succeed.

I love that. Let’s talk about Think and Grow Rich for Women. A big portion of my audience are women listeners, and I have a money course, and a good majority of those that take my money course are women. So, I really love the topic of women and money. What do you notice? What inspired you to write the book, Think and Grow Rich for Women, and from that, what do you notice are differences? I’m guessing you wrote the book because women must, from your experience, look at money differently than women, or treat it differently or something. So, tell us a little bit about the thinking behind Think and Grow Rich for Women.

Sure. As we’ve already stated, the original Think and Grow Rich came out in 1937, and there were no women in business at that time. I mean, there were a few women nurses and teachers. But, there were no women leaders in business. So, there were no women referred to in the book, Think and Grow Rich. But, I believe the steps to success are the same for men and women.

So, why I did I do Think and Grow Rich for Women then? Well, I did it because over a period of years, after we released Outwitting the Devil, I started seeing just so much negativity out there. We were constantly complaining about not enough women CEOs, no wage equality, men are standing in our way, they’re holding us back, and I actually got angry about it, because I said, “You know, as women, yes, there are still things that need to change, but we’ve come so far.” I wanted to change the dialogue from negativity to one of celebration of women.

Yes, we may still only have 22 women CEOs and Fortune 500s. But, in 2000, there were only 2. So, we’ve come a long way. We’ve made progress. Yes, there are men that hold us back, but there are many more men that are our champions and support us. It’s not women versus men. Studies have shown when women and men are both at the table, miracles happen. It’s the combination of the brilliance of both, and we think differently.

I have a slide that shows a brain map of a man and a woman, and a man tends to be much more strategic-thinking, much more linear, and they tend to operate in one side, one half of their brain. Women, we women are great problem solvers, and we are constantly back and forth. We’re utilizing both sides of our brain. So, imagine the results you get when you have all of that expertise: great problem solvers and decision makers that help us get more things done more quickly.

The whole concept of Think and Grow Rich for Women is to honor the original book. Every chapter is outlined the same way as the original book. I start off with the synopsis of Hill’s message for that chapter, and then I look at it through the eyes of success for women who have used that in their own success. Then, I have a series of quotes from women of history, women of different walks of life, politicians, and CEOs, and entrepreneurs.

I really wanted to bring a wealth of knowledge of women supporting each other, so that as a woman who reads the book, or even a man who reads the book, you may read one story and say, “Easy for her to say. That’s not me.” But then, the next story within the book, you go, “Wow, if she can do it, so can I.” I have over 300 women highlighted in the book, and it was such an incredibly fun project for me because I discovered how little we have out there, how few quotes are out there. I have a bunch of quotes in the book on each one of the topics of Think and Grow Rich.

So, my goal was not to say, “Women are different than men,” but they are. My goal was to say, “Let’s celebrate each other. Let’s celebrate one another. Let’s stop attracting negativity. When we constantly criticize and complain, the Law of Attraction means what? We’re going to get negative results. So, let’s change our dialogue to one of celebrating what we’ve accomplished. Is there more work to do? You bet there is.

But, even when I wrote the book, I think we were at 15.9% on board seats or something, and today it’s 17%. So, there is still progress being made. Maybe not as fast as many of us would like, but it’s happening, so let’s celebrate the progress that women are making. And for all of the women that are learning from you, bravo! One of the biggest areas that women tend to put their head in the sand is in the field of money. So, you and I share that passion. I’ve created the Money School, I’ve created money programs, you have money programs. That’s what we need to keep doing. Allowing women to come in and understand how important it is for them to not just understand money, but to understand where they are financially and where they need to go.

Many women who are married don’t have credit in their own name. We just lost my brother-in-law a few weeks ago, and his wife has nothing in her name, and it’s like, “Ugh, I should have been teaching my own family,” right? But, it’s so important for women to establish that credit in their own name and understand where they are. Many women sign their tax return and they don’t really even look at it. They don’t know what’s in it. So, that’s my first admonishment to every woman listening to this is get your tax return and understand it. Go through it. It’s a great source of information that can help you know where you are financially.

I love that, and I do come across a lot of conversation, and so much story that predominantly comes from women is this story of, “I’m not good with money. That’s my husband’s thing,” or, “I’m afraid of it.” So, what do you notice, do you think, when it comes to women and money, places for women, like in general to grow?

Well, I think, and I’m sure — I have not taken your course, but I’m sure you get the exact same feedback. As you see people from the beginning of taking your course to the end, they start telling you how much more confident they are, how much stronger they are, how much more empowered they feel. Because, what happens is we’ve all heard that term “knowledge is power”. But, when it comes to money, it really is. Even when you find out something that’s not good news, at least you know so you can start charting a course.

Like, yourself, you knew you were $150,000 in debt, so you kind of knew you had dug a big hole, and then you can start charting that course. But, many women don’t even have a clue. So, the first step is to figure out where you are today, and then be able to make those small decisions. We talk about setting these big goals. Well, I say, “Let’s start with little wins.” Start with one or two things that you can do today to make your financial situation better. We talked about cutting up the credit cards. Well, it’s not the credit card; it’s the person holding the credit card. You can’t cut yourself up and you can’t put yourself in the freezer, but you can start doing different things and thinking differently.

What do you have to say to women at large? Can you share why you think it’s really important for women to get some knowledge about money, not to just abdicate to the husband or the planner? Why is it, in your opinion, so important for women to become confident with money?

Well, it’s absolutely vital, and I’m going to give you a few stats, and these stats change over time, but they’re pretty consistent. We have probably all heard 50% of marriages end in divorce. If that’s not proof positive that you need to know where you are, then you’re dreaming. Then, the good news is that women tend to outlive their husband by seven years. But, the bad news is they don’t have a clue about money, they’re easily taken advantage of, they tend to lose it. Women, when they retire, or they become widows tend to fall into the poverty rate at a much higher rate than men because they don’t understand money.

And the studies have proven that women who educate themselves are better investors than men, and women that take that time to learn and become more confident when it comes to money is my tagline, which is really a mantra. When it comes to money, you’re either a master of your money, or a slave to it. There’s really not much in between. And just a little education can help you step out of slavery and into money mastery, and that’s my goal in life, and I know that’s your goal in life in your programs, and we have to help each other to make sure that we get the education we need. Because, in the next 30 years, 40 trillion dollars will be inherited by women around the globe. With that comes awesome responsibility, and that awesome responsibility is not just how to receive it. We want to know how to employ it, how to make it grow, and how to make it last for generations to come.

So, it’s not just a good thing for women to do. It’s a requirement. It’s imperative for we, as women, to stand in our own power and educate ourselves so that we can create positive change in the economy, and we can’t do that by putting our heads in the sand and not understanding money, because then we give ourselves up to it, and we become slaves to it. Our goal, I know your goal, and my goal both, are to create masters out of the women we know.

Yeah, and I’m guessing the same for you is there’s so much when somebody — everyone, but a lot of women is that when they first enter the course, they’re scared to death, they almost feel feelings of shame, or guilt, or, “I’m not good enough,” all these sort of stories, because we just don’t get educated on money. Like, how would we be good at something we’ve never had any education on? But, the fun thing is to see the transformation and the comments are like, “Wow, this isn’t so hard. Wow, this is actually pretty easy. Oh my gosh, this feels really good.”

I think it’s just maybe there’s some backstory like it’s harder than we think it is, or, “Maybe I’m not smart enough to figure this out, so I’d rather just push it away.” But, the truth of the matter is once you learn a few principles and put some of these things into practice, money is not difficult.

No, and again, it comes back to fear. Fear is paralysis, and that’s that fear of money because they don’t understand it, they don’t have enough. We all want to be financially independent. I haven’t met one person who doesn’t want to be financially independent, and yet we don’t take action to create that independence. So, as women, we tend to put our head in the sand, and that’s something we have to stop. We have to realize that if not us, who? The knight in shining armor and the white horse is getting fewer and farther between, and we want to make sure we become our own white knight and be able to stand in our own power.

I love that. Now, how much do you notice, like people’s resistance to money has to do with their upbringing, and how do you advise that we sort of break outside of that old mindset, or narrative, or these feelings that we have about money maybe being a bad thing, because I see that as so much the resistance that holds a lot of people back, and especially women for some reasons.

One of my favorite topics, because when I’m speaking, I always ask at the very beginning, “What did your parents say to you about money?” I hear, “Money doesn’t grow on trees, pinch your pennies,” “Who do you think we are? The Rockefellers?” my generation, of course, “We can’t afford it,” and I said, “What do all of those comments have in common?” They are all negative. As children, we hear money, negative, money, negative, money, negative. So, in our subconscious, we have negativity when it comes to money. That negativity turns into fear of never having enough, and if we’re successful, it turns into fear of losing it.

We don’t even know where that’s coming from, and once we start acknowledging and recognizing that, yes, you’re right. My parents always said, “We can’t afford it.” Well, just that comment “we can’t afford it” closes your mind. A negative statement is a statement. You can feel yourself drawing within. But, if you could just change it to instead of saying, “I can’t afford it,” turn it into a question and say, “How can I afford it?” Well, that opens your mind. That absolutely keys into your entrepreneurial spirit because you want to find an answer. So, it gets you bigger than life, and it makes you excited about finding how you can afford it.

Many of us that are listening right now have probably said it to ourselves, “We can’t afford it,” or to our children. So, I go, “Stop it, just stop it,” and now change the way you talk to your kids about money. Say, “You want that toy? How are you going to afford it? What are you going to do to earn it?” and then as they’re doing it, start letting them understand time versus money of, “Is that toy going to be of long-term benefit to you or should maybe you do something different with that money?”

But, again, it’s all about how we communicate to ourselves as well as to our children. Because, that negativity about money is ingrained, and until we open our mind and release it and realize where it came from, it’s going to be something that kind of nags us forever.

Yeah, and sort of controls us. That’s a good segue. You’re doing a lot of work with kids and teenagers with money, right? So, on the same topic, we’re maybe giving these limiting mindsets about money to our children without even knowing it. So, what would be some advice, maybe, to parents in how to maybe talk to their kids about money to not create, sort of, these negative mindsets that you just talked about, combined with what would be some coaching for teenagers?

Absolutely. Well, a lot of times, parents don’t want to talk to their kids about money because they don’t want their kids to understand that they are in financial stress themselves. This is not a commercial message, but this is why I created my board game called Thrive Time for Teens. It’s got a lot of humor in it, and it’s a safe environment for parents to sit down and go through the elements and the conversations about money with their teens without it having to get too personal, and it introduces the concept of assets, and businesses, and doing well, good behavior. It’s a money and life game, and it really is engaging with teenagers at the level where they have fun, right?

It’s not just sitting down and, “Let’s teach you the law of averages,” right? It’s crazy, it’s boring, and they go, “Why do I need that?” But, what I want to do is make sure we engage them where they live and what’s important to them. So, the game talks about being with your friends, or getting a car, getting a job, getting a raise, starting your own business, employing your friends. Again, it’s something that’s relevant to them.

That’s one of the biggest issues with teenagers is we’re not being relevant to them. We’re either talking down to them or we’re dictating to them, and we need to allow them to have that discovery on their own. In the game Thrive Time, they don’t realize their game sheet is actually financial statements, but we don’t tell them ahead of time. They learn that afterwards. Again, they have the opportunity to make choices and realize that every choice they make has a consequence. Maybe some of them are positive, or not.

So, the whole goal to winning the game is making positive choices and realizing that life rewards us when we make good choices. Life holds us back when we make bad choices, and something as simple as that, these kids, many of them have never been exposed to it. I teach it in many high schools around the country, and the kids will say, “My mom and dad need to play this game.” But, it’s something that, again, they have the opportunity at a young age.

I have an adopted granddaughter. She’s a dear friend, and she’s two, and she can speak three languages because at the youngest age possible, to teach your kids about money allows them the greatest opportunity for success. Some of the things, you just let them fail. Let them experience recovery. Too many people in this world – and I’ll get in my soapbox, so you’re going to have to pull me back – we put our children in a bubble. Everybody gets a trophy. We don’t want them to experience failure. That’s just a huge disservice. Our children need to experience the fact that if they fall down that they can get up, and they can get up and be stronger for it.

I wish more people had failures when they were still easy to fix, when they were teenagers, as opposed to adults when they end up with – excuse me, using you as an example – $150,000 in credit card debt. So, allow your child when they’re teenagers. Maybe you get them a credit card that has a very small amount on it and they have to pay it back every month, that they understand the consequences if they don’t. Or, if they have an allowance, that when they run out of money before they run out of month, they don’t do anything, instead of mom handing them an extra $20 so that there’s no consequences for them running out of money.

So, part of it is, as adults, we need to make sure that we’re giving them the opportunity to create the greatest life that they deserve, and that’s by learning how to be positive, how to recover, how to fail and get back up.

I love that. So, it sounds like that it’s important for us to learn about money as adults since we didn’t learn it in school, unless we’re one of the few whose parents did teach us something. But, I found that to be a very small minority. But, one, to learn about money so we can build out own wealth, and lifestyle, and financial independence, and freedom. But then, also to be an example and to teach our children so that that can continue versus even if we didn’t do it for ourselves, we’re probably hurting our children by not learning about it and practicing it that they’re going to carry on and make the same mistakes, and so on, and so on.

Exactly. We talk about giving your children a head start in life. The best way to do that is to educate them about money. Because, as much as I’m still working hard, we’ve gotten laws passed here in Arizona, the children are still not being taught about money in school, and it’s criminal. It’s really a horrible situation because money is a life skill. We’re teaching them about condoms in school but we’re not teaching them about money, and whether you’re a janitor, a CEO, or an entrepreneur, we all have to deal with money.

It’s something that if it’s not going to be taught to your children’s school, it is absolutely imperative that we, as adults, make sure that the young people that we care about are given those tools, because that’s what levels the playing field. Children that I work with out of the inner cities, they are smarter about money than many of these rich kids because they’re taking the time to learn, and they have the greatest opportunity to succeed because financial education is what levels the playing field.

You’re doing such amazing work to try to get financial education into all schools, so I really applaud you, because you’re right. That’s where it starts. I mean, dang, don’t we all wish we would have had money school versus making at least all the mistakes I’ve made with money. I mean, I think of where I would be today had I had some money sense that my children have now that I had to make a decade or so of terrible mistakes that have set me back that much to — it’s a different place when you start from zero than when you start from negative 150 or so.

Well, I applaud you for teaching your kids about money, because you’re far ahead of the game. Most parents are not still. So, thank you.

That’s what I’d be curious about what you think too that money’s been an open topic at our table since the time they could walk, and so it’s never been a topic that’s been avoided. We talk about our investments in front of them, we talk about income in front of them. It’s just been a normal conversation, and I’ve gotten some criticism about that sometimes over the years. But, the kids actually know what different financial distinctions are, and I think they’re both young adults. They’re both college age, so we’ll see what they may or may not do with that. But, how do you feel about that where money is an open dialogue at the table?

Well, I think it’s inherently important for young people to understand, again, whether you’re a master of money or a slave to it. Communication is the key. So, communication of money, assets, types of income, the importance of giving back, charity, all of those are conversations that should be going on with young people. Obviously, what you say to a 9-year-old is different than what you say to a 19-year-old. A 19-year old who’s been raised in the lap of luxury, you start telling them about money, they may be asking for a lot more because they haven’t learned responsibility along the way.

A lot of it is that open dialogue of money comes hand-in-hand with teaching them responsibility at home as they grow up. We talk about allowance. There’s personal responsibility like brushing your teeth and showering. You shouldn’t get an allowance for that. Helping with the household chores, you shouldn’t get an allowance for that. When you go over and above and you do other things, yes there’s opportunities for an allowance. But, allowing a child to understand those different responsibilities and that they are part of the family and they have those responsibilities helps build that integrity, and it has nothing to do with money, but it will definitely impact how they deal with money in their future, because they will have that self-confidence of knowing that they are part of a unit, and they are contributing, and with that, comes responsibility. So, when they start looking at money, they’re going to realize that they are responsible for using that money wisely.

There are some universal money laws, principles that are foundational, fundamental, never-changing that, again, because we’re not educated about money, I think most people just are unaware of them. So, what are some money principles that you sort of abide by and teach?

Buy, build, or create assets. Buy, build, or create assets, understand the difference between good debt and bad debt. Good debt is debt that you acquire in creating, building, or buying assets. That’s good debt. Stay away from bad debt. Good credit, bad credit, the same thing. Understanding that your credit score is your report card in life, and if your credit score is low, then there are things that you’ve done to create that.

So, each and every one of us – and this is not a money principle, this is a life principle – is where we are today in our life based on the choices we made, not somebody else. We have far too many victims in our world. We are, each and every one of us, where we are today because of the choices we made before today. If we want something different in life, we want something more, then we need to make different choices starting today moving forward. Because, each and every one of us has the opportunity to achieve great success, and the only thing that limits us are the decisions and the choices that we make.

That’s perfect. Well, that sort of brings us into the home run here, and I have a couple more questions for you. I ask this one of most of my guests, and especially those that have had such enormous success like you have. I mean, your resume is long, your bio is just filled with these incredible accomplishments, and you’ve had quite a career as a businesswoman, an entrepreneur, a CEO, an author, I mean, we can go on and on.

It tends to be sort of like Facebook these days where we only see all the perfect things, the long list of all the greatness in life. But, most of the people I know, there’s been crisis, there’s been some dark moments in that journey, that long journey of acquiring that long list of accomplishments that usually isn’t exposed, which makes it seem, I think, for many that, “Oh, their life has been just one easy accomplishment after another.”

So, with that said, is there anything, like a big failure, or crisis, or something where you didn’t even know if you could make it through, but you did and it totally changed the trajectory of where you — sort of your trajectory and how it’s brought you to where you are today?

Well, yes. I don’t usually talk about this, Krisstina, but December 2012, I lost my youngest son. Prior to that, my breakup with my partners in Rich Dad had been pretty traumatic, and it was the right thing for me to do. I never looked back, and as I said, I wouldn’t have been able to have the experiences with the Napoleon Hill Foundation had I not made that decision to leave. But, that was kind of a traumatic time.

All things stop when you lose your child, and it’s very difficult to get out of bed in the morning, very difficult to keep going. Part of my coping mechanism was actually to throw myself into work, and I wrote a bunch of books that year hiding. That’s something that is not a sorority I want anybody to be in, because you’re not supposed to outlive your children. But, it is something that has really, really impacted me at a really deep level. It’s why I stopped doing as much large speaking and writing books and more of the mentoring, because I had a huge hole in my heart, of course. Now my husband and I, we mentor individual entrepreneurs and business owners that are already successful wanting to get to the next level, helping them understand, truly, how to get to the next level, making the introductions, opening those doors for them, and that is something that brings me peace, and love, and starts filling my heart again.

It’s what life is all about. Life is very, very, very short, and it’s something that, each and every day, we have to be thankful for the opportunities that we have. Things that used to bother me don’t bother me anymore. Things that I used to be really stressed out about, I don’t get stressed out about them anymore. Because, when you have an occasion like that, it brings everything else into perspective.

Absolutely, well I’m sorry, and thank you for sharing that. One final question, and I ask this one of all my guests, and you’ve done a lot of this, but I noticed there’s so many myths out there that people just believe to be true, and they’re sort of sabotaging lives, thwarting big ambitions, or goals, or dreams, so I like to always do a little bit of myth busting. Personally, professionally, what sort of myth do you bump up against all the time where you just want to scream, saying, “Oh my gosh, if I hear that one more time, I am going to scream.” But, is there a myth that you’d like to bust that you bump into over, and over, and over again?

So many. Where do I begin? I think the biggest one is that it takes money to make money. Certainly, the way that the world is changing today, 30 years ago, Fortune 500 companies were 20% intangible, 80% tangible assets like property, plant, and equipment. Today, it’s the inverse. Fortune 500 companies are 20% tangible property, 80% intangible, which means intellectual property. So, that is really the source of the greatest wealth today and in the future is what you can come up with up here. Every one of us has had great ideas. The question is whether or not we’ve made money from those ideas.

So, I really want people to understand that they have the opportunity, again, to solve a problem or serve a need. They have everything they need right now today to create success in their lives, and it’s all about realizing that it doesn’t take money to make money. It takes action, understanding, and creating and building assets that creates wealth.

That’s great. You know, you have a — I don’t know if it’s a book or what it is, but it’s the idea of, how you say, using other people’s money?

Yeah, other people’s money, yes, my husband’s book, OPM. OPM, Other People’s Money, and my husband wrote that, yes.

That’s great. Alright, well, you have been a wealth of information, just like every time I talk to you. I mean, I have a full notebook page of notes here. Anyway, thank you, and I write the notes from my own thinking. So, obviously, everybody will listen to it and get their own takeaways, but thank you. How do people find you? I mean, obviously, you have so many books that people need to read and I love that the Thrive for the kids is a game. I mean, that’s something all teenagers should probably do. But, what’s the best way to find Sharon and your work?

Well, my website is sharonlechter.com, L-E-C-H-T-E-R. The game, Thrive Time for Teens, you can get it from my website, or it’s on Amazon, and of course, all my books are on Amazon. I have a podcast called “Your Money, Your Business, Your Life”. It’s free, so you can access additional information through my website or through iTunes. I’m on Facebook, Twitter, LinkedIn all under Sharon Lechter, so I’m really easy to find, and I welcome all of you to connect with me. So, thank you so much, Krisstina, for all that you do to support not just women, but everyone really, and your own children to create more financial independence.

Well, thank you, and we’ll put a link to all of your good work in the show notes. Just final question, what’s next for you?

Well, I’m right now, actually behind on finishing three books. I mentioned them earlier, Think and Grow Rich: The Magic Key. We’ve done some interviews over the last year talking to successful people about their secret sauce. Then, the couple that are my passion projects, and that is Think and Grow Rich for millennials, for the Next Generation, and Think and Grow Rich for Kids. Think and Grow Rich for the Next Generation will be written addressing them, and then Think and Grow Rich for Kids will actually be addressed to both parents and children so that we bring those teachings to those markets so that young people can get started very early and very quickly.

That, and my biggest project is the mentoring that I do. We have a program for Master Mentors. For more information, just contact me info@sharonlechter. We don’t take that many. I have four spots open right now. Where we truly step into your business with you side-by-side, and it’s not a tailored program. It is a custom program based on where you are today and where you want to go, and we support you in finding the resources, finding those connections to take your business to the next level. It’s something that we really love to do, and we would welcome anybody that’s interested in talking to us further to contact us at [email protected].

Wow. Well, that’s almost an offer that one can’t refuse. Well, thank you so much for your time. I appreciate you very much.

Well, thank you, Krisstina, and I appreciate you too. What a great hour it’s been. Thank you.

You’re welcome.

And so ends another episode of the Wealthy Wellthy Life. This was one more millionaire strategy that will make you wealthy while keeping you healthy. Before you leave, remember that if you want to get it all together, then make sure to sign up for a free online training session at howto.money. You will learn my signature formula for transforming your life from debt to multi-millionaire. It’s already helped thousands of others, and it can help you too, and it’s the only moneymaking system that makes your health your number one asset. So, if you’re curious how it all works, visit howto.money and sign up today. Remember, it’s free, so why not invest some time in learning “how to money”? Again, that’s howto.money. H-O-W-T-O dot M-O-N-E-Y. As always, be sure to subscribe to this podcast to make sure that you catch next week’s millionaire strategy. Signing off, this is Krisstina Wise, your personal guide to having it all. Here’s to living a Wealthy Wellthy Life. I’ll see you next time.