Full Transcript for Multi-Generational Living: How Families Can Share Homes, Money, and Care

all this digital technology, we are hearing it and we're hearing it more and more, and we'll be spreading it around more and more. 00:05:04.750 --> 00:05:17.958 And I was thinking before we started today that I was raised in the 50s and 60s in ethnic communities around Boston. 00:05:18.458 --> 00:05:26.000 And the goal, even though there were generations living together, the goal of our parents was to not have that. 00:05:26.500 --> 00:05:28.458 We don't want to be a burden to you, right? 00:05:28.833 --> 00:05:29.040 Yeah. 00:05:29.333 --> 00:05:31.165 That culture, where did that culture come from? 00:05:31.165 --> 00:05:36.958 It just, we've always had multi-generational living and maybe not wanting it, but we've had it. 00:05:37.540 --> 00:05:46.208 One of my favorite things that happens in my content now is when someone comes into the content, especially from another country, and says, kind of, "Lady, what are you talking about? 00:05:46.250 --> 00:05:53.875 This is just normal where I live." And I say, "That's the funny thing." It's as if I'm saying something brand new, but I'm not, right? 00:05:53.875 --> 00:06:03.540 It's just the fact that we're all talking about the possibilities of multi-generational living now, and we haven't been for the last 80 years here in the United States, but in many parts of the world. 00:06:03.833 --> 00:06:07.290 And everywhere, forever, it was just living. 00:06:07.500 --> 00:06:11.875 Like, we didn't need a special name for it, but we really did move away from it. 00:06:11.875 --> 00:06:19.458 I mean, I think it was post-World War II, suburban sprawl, just a new way of thinking about independence. 00:06:19.583 --> 00:06:25.250 I think also, honestly, like our culture, it's interesting, I married my husband from Brazil. 00:06:25.458 --> 00:06:34.500 And so when you marry somebody from a different culture, you just learn different things that you just took for granted aren't normal in other cultures. 00:06:34.708 --> 00:06:40.790 And so our culture here in the US of kids moving away to college was very different for him. 00:06:40.833 --> 00:06:44.750 He's like, "Well, we all went to college, but we lived in our parents' houses while we went to college. 00:06:44.790 --> 00:06:50.333 People didn't go live at college." And here in the US, so many people do that. 00:06:50.665 --> 00:06:54.625 And oftentimes, you end up making a life in the place that you moved away to. 00:06:55.208 --> 00:06:57.000 My son is a perfect example. 00:06:57.000 --> 00:06:58.333 He went to college in Colorado. 00:06:58.500 --> 00:06:59.165 He hasn't come back. 00:06:59.165 --> 00:07:00.208 I don't think he's coming back. 00:07:00.415 --> 00:07:02.750 So I think this also contributed to it. 00:07:02.750 --> 00:07:08.375 So many people, you know, you spend four years and make a ton of friends and then get a job far, far away from your family. 00:07:08.375 --> 00:07:12.290 It's not a surprise that you might just establish a new life there and not move back. 00:07:12.290 --> 00:07:14.083 So I think that had something to do with it, too. 00:07:14.625 --> 00:07:26.333 But now by necessity, we are figuring out that there is a lot of wisdom in combining resources and leveraging resources and bringing families together to support each other. 00:07:26.750 --> 00:07:29.915 And I think courage, you know, because it is a shift. 00:07:30.333 --> 00:07:32.500 It's a real, real big shift. 00:07:32.500 --> 00:07:36.833 Yes, I lived away 49 years from Massachusetts in D.C. 00:07:37.583 --> 00:07:40.540 I never expected to come back to Massachusetts ever. 00:07:41.125 --> 00:07:42.125 I get it. 00:07:42.333 --> 00:07:43.250 I really get it. 00:07:43.290 --> 00:07:44.125 I'm glad I did. 00:07:45.125 --> 00:07:49.833 And so many of my clients, as I was a realtor in Northern Virginia and D.C., were from overseas. 00:07:50.083 --> 00:07:59.250 So I was always helping them buy houses or rent houses that were big enough to have all the independence within the household. 00:07:59.540 --> 00:08:04.790 And you talk about those issues very, very, very succinctly and very nicely in your programming. 00:08:05.750 --> 00:08:06.000 Thank you. 00:08:06.000 --> 00:08:09.290 So a lot of these pieces came together for you. 00:08:09.290 --> 00:08:14.665 I know you started in Quincy helping people buy their first homes. 00:08:14.708 --> 00:08:15.000 Right. 00:08:15.165 --> 00:08:18.458 You were in a way a public servant. 00:08:18.750 --> 00:08:20.915 Well, I worked kind of behind the scenes. 00:08:20.915 --> 00:08:23.208 So my story is I grew up in Quincy. 00:08:23.583 --> 00:08:27.040 My mom is really the foundation of so many of my stories. 00:08:27.415 --> 00:08:34.791 She was in 1981 hired by a company called at the time it was called Neighborhood Reinvestment. 00:08:34.832 --> 00:08:43.500 Now it's called Neighborhoods America to create a neighborhood housing service in the Southwest neighborhood of Quincy. 00:08:44.000 --> 00:08:50.041 And that organization's purpose was really at that time they weren't even doing first time home buyer education. 00:08:50.041 --> 00:08:53.375 They were really helping homeowners get low interest loans. 00:08:53.375 --> 00:08:55.332 And you'll laugh at this because you'll probably remember it. 00:08:55.332 --> 00:08:58.707 Back in the 80s, a low interest loan was like seven, eight, nine percent. 00:08:59.457 --> 00:09:02.457 Because interest rates were 17, 18 percent at the time. 00:09:02.582 --> 00:09:03.916 Early 80s. 00:09:04.291 --> 00:09:05.750 Let's see my first home. 00:09:05.750 --> 00:09:07.666 I was OK in the 70s. 00:09:07.666 --> 00:09:09.082 I paid 16 percent. 00:09:09.207 --> 00:09:09.457 Yeah. 00:09:09.791 --> 00:09:19.082 So so they were helping homeowners oftentimes elderly homeowners like repair their roofs or install a ramp or have an accessible bathroom door, things like that. 00:09:19.582 --> 00:09:22.707 And helping homeowners maintain their home so

they weren't falling down around them. 00:09:22.916 --> 00:09:24.291 So that was really the foundation. 00:09:24.291 --> 00:09:26.500 My mom worked in affordable housing for years and years. 00:09:26.500 --> 00:09:32.332 And then when I was in my 20s, I started she went out and started a grant writing. 00:09:32.666 --> 00:09:36.500 Fundraising consulting business for those nonprofits she had worked for. 00:09:36.832 --> 00:09:40.916 And I just started working with her doing grant writing at the time. 00:09:41.000 --> 00:09:44.250 At the time, I was a songwriter and it was very hard to make a living. 00:09:45.582 --> 00:09:46.916 You can see my guitars here in the back. 00:09:47.250 --> 00:09:50.125 Well, it's hard to make a living doing that. 00:09:50.125 --> 00:09:56.416 So I was supplementing my income, which turned into a career of 20 years working in affordable housing. 00:09:57.125 --> 00:10:02.125 And then that did turn into establishing a homeownership centers and foreclosure prevention. 00:10:02.666 --> 00:10:08.541 Supportive housing for formerly homeless families and veterans and domestic violence survivors. 00:10:08.750 --> 00:10:13.500 So so that was really my career from like age 30 to 50. 00:10:14.166 --> 00:10:17.750 And during that time, I was mostly behind the scenes. 00:10:17.750 --> 00:10:24.457 So I would like write the grants that would fund our first time home care education centers and write the strategic plans and that sort of thing. 00:10:24.875 --> 00:10:29.875 So I didn't shift to working one on one with families until I had an overlap there. 00:10:29.875 --> 00:10:31.666 I started doing residential real estate. 00:10:32.250 --> 00:10:38.666 And then I saw the future college bills coming for our kids and we were like, hmm, maybe we could do some extra income. 00:10:39.500 --> 00:10:44.207 So I doubled up there for a little while and then eventually moved on from the nonprofit. 00:10:44.250 --> 00:10:48.750 Absolutely loved that work, but just felt I had grown in the ways that I was going to grow there. 00:10:49.291 --> 00:10:52.041 And I didn't be honest with you, Mary. 00:10:52.041 --> 00:10:58.166 Didn't love traditional residential real estate, love houses, love working with people. 00:10:58.916 --> 00:11:02.541 But it can be kind of a cutthroat world in real estate. 00:11:02.541 --> 00:11:09.791 There's a lot of downside to it that didn't match my personality or the fact that I had been working for mission based organizations for 20 years. 00:11:10.832 --> 00:11:14.500 But then I found worked working with older adults. 00:11:14.500 --> 00:11:20.291 So I became a certified senior adviser and I worked with an organization that was helping a lot of families do downsizing. 00:11:20.291 --> 00:11:23.291 So selling their homes at 40, 50, 60 years. 00:11:23.291 --> 00:11:29.541 And that was highly emotional work that I felt like I could bring more to the table alongside the real estate transaction. 00:11:30.041 --> 00:11:32.250 And so I did that work for a number of years. 00:11:32.750 --> 00:11:41.291 And about a year and a half ago, I thought, why aren't I ever talking publicly about how we live in this multi-generational home? 00:11:41.291 --> 00:11:46.500 Because every time my mom or I would bring it up to our friends, everyone would be so interested. 00:11:46.582 --> 00:11:47.875 Oh, how did you do that? 00:11:48.125 --> 00:11:49.250 How did you decide? 00:11:49.250 --> 00:11:50.541 Like, how does the money work? 00:11:50.541 --> 00:11:52.416 How does it work in the space? 00:11:52.582 --> 00:11:54.375 How did like, how is it? 00:11:54.375 --> 00:11:55.082 How did it work? 00:11:55.375 --> 00:11:59.666 And so I thought maybe I should start talking about this because it's changed our lives. 00:12:00.207 --> 00:12:05.332 So our story was and I can pause here if you have questions. 00:12:05.416 --> 00:12:06.832 No, no, no, no, please. 00:12:06.957 --> 00:12:08.750 No, no, no, no, no, no, no, no, no, go right ahead. 00:12:08.750 --> 00:12:10.582 I want you to go on and on and on. 00:12:12.125 --> 00:12:17.000 Our story was my dad passed away in 2011 and he was sick prior to that. 00:12:17.000 --> 00:12:19.041 So we knew his his death was coming. 00:12:19.375 --> 00:12:26.000 And so during the time when we knew he would be leaving us soon, we were having a lot of conversations about like, well, where's mom going to live? 00:12:26.332 --> 00:12:27.125 What's going to happen? 00:12:27.125 --> 00:12:31.041 They'd been together since they were 15 years old and they were only 68 at the time. 00:12:31.791 --> 00:12:40.250 And so we talked about potentially adding on to the home that we lived in at the time, which was like really impractical. 00:12:40.625 --> 00:12:44.416 There's so many reasons why I probably wouldn't have worked in that home, but we liked thinking about it. 00:12:44.791 --> 00:12:49.082 And the truth was behind the scenes, we didn't know this really till later, but my mom was humoring us. 00:12:49.125 --> 00:12:50.832 She's like, I don't think I'm ready for that. 00:12:50.832 --> 00:12:53.250 Like, I don't know what I want to do when your dad is gone. 00:12:53.250 --> 00:12:56.457 And but my dad loved talking about that. 00:12:56.457 --> 00:12:58.332 My dad was in construction his whole life. 00:12:58.332 --> 00:12:58.957 We do plan. 00:12:59.000 --> 00:13:01.416 Anytime I had an idea, my dad would draw a plan for it. 00:13:01.416 --> 00:13:08.457 So we were, my dad and I, drawing plans for this ADU that we would add to the house that we lived in at the time. 00:13:08.791 --> 00:13:14.541 And my mom was just kind of humoring us and going along because it was very comforting to my dad to think that she would be with us. 00:13:15.000 --> 00:13:23.416 So my dad passed and my mom was like, I'm going to sell the house, but I'm going to get an apartment downtown because I've never in my life had a place of my own. 00:13:23.416 --> 00:13:25.957 I went

from my mom's house to your dad's house. 00:13:25.957 --> 00:13:30.082 Like, it says I've never had a chance to choose to live on my own. 00:13:30.291 --> 00:13:31.166 I need some time. 00:13:31.375 --> 00:13:32.875 So she did that for three years. 00:13:32.875 --> 00:13:45.082 But then after a little while, she was wintering in Tucson, summering in Massachusetts because she had friends in Tucson who, you know, it was just a time for her to explore and live a little bit differently than she'd been living with my dad all those years. 00:13:45.625 --> 00:13:48.875 And then it started to seem silly that she was supporting two different apartments. 00:13:49.750 --> 00:13:53.957 And then the house we're living in right now, which has a beautiful in-law apartment. 00:13:53.957 --> 00:13:54.166 Beautiful. 00:13:54.166 --> 00:13:54.332 Yeah. 00:13:54.375 --> 00:13:56.250 It's so great. 00:13:56.250 --> 00:13:56.457 Yeah. 00:13:56.500 --> 00:13:58.250 It really is a great house for us. 00:13:58.582 --> 00:14:01.707 And so it came in the market and I just showed it to her and my husband. 00:14:01.707 --> 00:14:04.291 I said, anybody want to go look at it? 00:14:04.291 --> 00:14:07.666 And, you know, within a week we were under contract buying it and selling our other house. 00:14:07.832 --> 00:14:11.250 But it all came together because everyone was ready at that time. 00:14:11.666 --> 00:14:16.541 And the unit downstairs that you prepared for your mom, was it moving ready or did you redesign it? 00:14:17.000 --> 00:14:17.291 Yeah. 00:14:17.332 --> 00:14:21.000 The people who had lived here before their parents had lived downstairs. 00:14:21.291 --> 00:14:23.250 So it had been built for this. 00:14:23.957 --> 00:14:25.625 And so it was really it was ideal. 00:14:25.916 --> 00:14:30.750 When you see Juli, Juli is often filming from her home. 00:14:31.166 --> 00:14:32.457 And it's a beautiful home. 00:14:32.457 --> 00:14:34.291 Beautiful architectural detail. 00:14:34.332 --> 00:14:37.541 I mean, just very special, welcoming place. 00:14:37.541 --> 00:14:38.916 A very welcoming place. 00:14:38.957 --> 00:14:39.041 Thank you. 00:14:39.041 --> 00:14:43.250 I do have some tours on my social media because people are always asking me all the time, like, what is the house? 00:14:43.250 --> 00:14:43.832 Your house work? 00:14:43.832 --> 00:14:44.582 What does it look like? 00:14:45.082 --> 00:14:47.250 So, yes, we've been here for 11 years. 00:14:47.666 --> 00:14:50.875 And one of the reasons that I'm so, so passionate. 00:14:50.957 --> 00:15:03.166 Well, there's many reasons I'm so passionate about helping other people figure out multigenerational living is that they're in the beginning where so many benefits for my kids who were 11 and 12 ish when we moved in here. 00:15:03.582 --> 00:15:05.916 And, you know, my mom helped homeschool them. 00:15:05.916 --> 00:15:11.375 She drove them around all the time because I was always, you know, part time working mom. 00:15:11.875 --> 00:15:14.457 And so she helped us so much with that. 00:15:14.457 --> 00:15:21.082 And now that she's older and having some health problems and life is more difficult for her, we're able to help her more. 00:15:21.082 --> 00:15:26.750 So on an emotional and a care and a relational perspective, it's been tremendous for us. 00:15:26.750 --> 00:15:29.957 But it's also been tremendous for us financially. 00:15:30.416 --> 00:15:33.832 And I am very passionate about helping people understand the benefits. 00:15:33.832 --> 00:15:34.500 Yes. 00:15:34.707 --> 00:15:51.666 I was so impressed by the stair that you've described in the past about how you went from living with your family to your mom, to helping a brother all through, which is taking the equity out of one property and moving into another. 00:15:51.707 --> 00:15:53.457 Please, please tell the audience that. 00:15:53.541 --> 00:15:53.875 Yeah. 00:15:53.875 --> 00:15:57.791 And this is something I think people can think really strategically about. 00:15:57.791 --> 00:16:01.457 So what happened with us and there's so many different ways because people ask me this all the time. 00:16:01.666 --> 00:16:06.207 There are so many different ways you could set up ownership and contributions in a multigenerational home. 00:16:06.416 --> 00:16:08.916 And it will look different for every family. 00:16:08.957 --> 00:16:11.125 I have guides that can help walk you through that. 00:16:11.332 --> 00:16:15.000 But it really depends on your resources, your needs, everybody who's involved. 00:16:15.000 --> 00:16:18.666 So in our particular situation, we did it this way. 00:16:18.957 --> 00:16:21.625 My mom did not want to own a house after my dad died. 00:16:21.625 --> 00:16:22.707 She sold their house. 00:16:22.707 --> 00:16:24.957 She banked the money for a while and rented an apartment. 00:16:25.250 --> 00:16:28.582 When she moved in with us, she did not want any ownership. 00:16:28.582 --> 00:16:32.582 And by the way, that's a whole other conversation we could have about future elder care planning. 00:16:32.625 --> 00:16:34.041 But there are benefits. 00:16:34.166 --> 00:16:36.500 There are extra benefits to that we weren't even thinking of at the time. 00:16:36.500 --> 00:16:37.375 And you have siblings. 00:16:37.375 --> 00:16:38.207 You have a sibling? 00:16:38.666 --> 00:16:39.000 Yep. 00:16:39.000 --> 00:16:40.750 And the sibling conversation is so important. 00:16:41.000 --> 00:16:41.875 I have one brother. 00:16:41.916 --> 00:16:47.250 He is not financially involved in this, but he is involved conversationally. 00:16:47.457 --> 00:16:48.916 So I'll explain how that works. 00:16:49.375 --> 00:16:52.916 So my mom invested a down payment. 00:16:52.916 --> 00:16:56.250 So she helped pay for the down payment on this house 11 years ago. 00:16:56.250 --> 00:17:00.041 She just took a chunk of money and we all considered that to be. 00:17:00.041 --> 00:17:01.041 And we have this in writing.

00:17:01.625 --> 00:17:04.915 Basically the equivalent to what would have been five years of rent for her. 00:17:05.415 --> 00:17:12.708 And it was always agreed that after five years, we could re-examine that and see how financially everything was going. 00:17:13.040 --> 00:17:24.125 But if she passed before, if my mom had died before the five years were up, whatever was remaining in her estate would be recalculated, not 50 50 between my brother and I. 00:17:24.125 --> 00:17:27.500 But we would take into consideration the investment that she made in my house. 00:17:27.625 --> 00:17:29.250 So I would have got a simplified. 00:17:29.375 --> 00:17:30.415 I would have got a little less. 00:17:30.415 --> 00:17:32.083 My brother would have got a little more. 00:17:32.790 --> 00:17:33.750 But that didn't happen. 00:17:33.790 --> 00:17:35.708 This was that was five years in. 00:17:35.708 --> 00:17:39.833 So after five years, we considered all of us that to just sort of be clean. 00:17:40.500 --> 00:17:43.833 And then we went another five years with nothing really changing. 00:17:43.833 --> 00:17:47.958 She gave us just a little bit of money like towards the electric bill, but almost nothing. 00:17:48.333 --> 00:17:51.125 And then because we didn't feel like we needed it. 00:17:52.040 --> 00:17:56.583 But after 10 years, this house got more expensive to run and maintain. 00:17:56.583 --> 00:17:58.083 Insurance goes up, taxes goes up. 00:17:58.290 --> 00:17:59.958 So we had to re-look at that. 00:18:00.000 --> 00:18:02.000 And now she makes a monthly contribution. 00:18:03.250 --> 00:18:06.915 Still so much less than anything she would pay anywhere. 00:18:07.083 --> 00:18:10.000 So it's extended her retirement planning years. 00:18:10.708 --> 00:18:14.790 But it's helpful to us because it just buffers the extra expenses of having this large house. 00:18:14.790 --> 00:18:16.333 Now our kids aren't even living here now. 00:18:16.333 --> 00:18:18.915 So we're still here for us and for her. 00:18:19.415 --> 00:18:21.625 So all of that gets talked about with my brother. 00:18:21.625 --> 00:18:27.500 Anytime we make a decision and he's always totally supportive and on board, but it affects him in some ways. 00:18:27.500 --> 00:18:28.500 So we talked to him. 00:18:29.083 --> 00:18:34.250 But what happened during that time was that the house kept increasing in value. 00:18:34.708 --> 00:18:37.250 And my brother's family went through some really difficult times. 00:18:37.250 --> 00:18:39.750 They my sister-in-law was hit by a drunk driver. 00:18:39.790 --> 00:18:43.290 She had a traumatic brain injury from which she has recovered remarkably. 00:18:43.333 --> 00:18:47.333 She still has lasting effects, but it changed their life dramatically for a long time. 00:18:47.333 --> 00:18:48.040 She couldn't work. 00:18:48.500 --> 00:18:51.583 They went through a foreclosure and they were without a place to live. 00:18:52.665 --> 00:18:55.790 So about four years in. 00:18:55.915 --> 00:18:57.333 I'm pretty sure it was four. 00:18:58.708 --> 00:18:59.790 Now I can't remember Mary. 00:19:00.000 --> 00:19:01.165 Life goes by so quickly. 00:19:01.208 --> 00:19:01.583 I don't know. 00:19:01.625 --> 00:19:03.415 Somewhere between year four and year seven. 00:19:04.000 --> 00:19:09.750 We took a home equity line of credit against this house and put a down payment on a house to rent to my brother. 00:19:10.250 --> 00:19:15.290 And we bought a house that we could barely make the math work. 00:19:15.290 --> 00:19:15.540 Right. 00:19:15.540 --> 00:19:20.000 Like we wanted to keep it as affordable to him as possible, but so it could barely cash flow. 00:19:20.165 --> 00:19:20.875 That was the goal. 00:19:21.083 --> 00:19:22.375 Nobody was trying to make money. 00:19:22.375 --> 00:19:26.540 We were trying to keep them nicely housed and just not lose money. 00:19:26.708 --> 00:19:26.915 Right. 00:19:27.750 --> 00:19:28.583 And so that's what we did. 00:19:28.583 --> 00:19:30.208 And for two years we did that. 00:19:30.415 --> 00:19:35.125 And then my brother recovered his credit that had been a long ongoing thing. 00:19:35.125 --> 00:19:39.208 People who know about credit know it takes like seven years to recover from a foreclosure and everything. 00:19:39.208 --> 00:19:40.958 But he did eventually recover his credit. 00:19:41.333 --> 00:19:45.625 He was able to buy the house from us at a market rate. 00:19:46.458 --> 00:19:48.125 He got a great interest rate at the time. 00:19:48.125 --> 00:19:49.583 So it was good for everybody. 00:19:50.083 --> 00:19:54.665 And we thought we were going to just pay back the HELOC and then put the rest of the money in the bank. 00:19:54.958 --> 00:20:00.083 But instead we bought another property that we used as an Airbnb for four years. 00:20:00.458 --> 00:20:03.415 It was also a vacation home, but it was more an Airbnb. 00:20:04.208 --> 00:20:09.165 And so we ran that business as an Airbnb for four years and that property increased in equity. 00:20:09.375 --> 00:20:18.500 And probably anybody investing in real estate would have told you the smart thing to do with our two and three quarter percent interest rate would have been to hold onto that property forever. 00:20:18.750 --> 00:20:20.415 But it didn't cashflow all the time. 00:20:20.708 --> 00:20:26.333 And we had tremendous like hundreds of thousands of student loans to pay for our kids college. 00:20:26.665 --> 00:20:34.040 And so we had parent loans and we had a property that we loved was increasing in value, had a low interest rate, but it also it didn't always cashflow. 00:20:34.333 --> 00:20:39.833 So the pressure on us financially felt very heavy because of all of our obligations. 00:20:39.833 --> 00:20:44.665 So we made the decision to sell it and cash it out, pay off the student loans. 00:20:44.708 --> 00:20:50.708 And wow, was that a relief to us financially long term? 00:20:51.000 --> 00:20:52.375 Would it have been better

to keep it? 00:20:52.375 --> 00:20:57.375 Maybe, but it was actually a beautiful decision for our family and a great gift to our kids. 00:20:58.165 --> 00:20:58.540 It served you. 00:20:58.708 --> 00:20:59.500 It served you. 00:20:59.958 --> 00:21:01.708 That is the most important thing. 00:21:01.958 --> 00:21:04.790 Rather than up here, you should keep it. 00:21:04.833 --> 00:21:05.915 Do everything you can to keep it. 00:21:06.250 --> 00:21:07.375 That kind of mentality. 00:21:07.375 --> 00:21:09.625 It served you and your family as you needed it. 00:21:10.040 --> 00:21:10.500 Exactly. 00:21:10.500 --> 00:21:13.708 It's a good, it's probably a good example of how I look at everything. 00:21:14.333 --> 00:21:26.833 I like to look at everything holistically and holistically speaking, the the benefit of our being out from under that pressure was it was hugely advantageous to us at this time in our lives. 00:21:27.250 --> 00:21:30.000 And it also paid off the kids college. 00:21:30.000 --> 00:21:38.125 You know, it's all of that happened though, Mary, like my brother is a homeowner now with this beautiful house and a lot of equity. 00:21:38.375 --> 00:21:40.165 My kids don't have college debt. 00:21:40.790 --> 00:21:43.040 We have a lot of equity built up in this house. 00:21:43.083 --> 00:21:44.333 My mom is still secure. 00:21:44.333 --> 00:21:53.540 Her expenses are really low. 11 years later, this all happened because we chose to combine resources as a family 11 years ago. 00:21:53.875 --> 00:22:08.290 And you have a really, you have a series of guides or at least one that you have a small fee for, but you have other guides as well as to take a look at what the cash and non-cash contributions are when families merge. 00:22:08.583 --> 00:22:15.208 And, and we talk a little bit about that because some of the non-cash is really valuable, invaluable. 00:22:15.415 --> 00:22:16.500 It's invaluable. 00:22:16.540 --> 00:22:17.083 Yeah. 00:22:18.040 --> 00:22:19.540 Every family has to look at that. 00:22:19.833 --> 00:22:26.750 And it is so common that families when they're combining households have unequal contributions in everything. 00:22:26.875 --> 00:22:29.040 Some part of the family is going to have more money. 00:22:29.250 --> 00:22:35.290 Some part of the family is going to have more future earnings that they, you know, have years to tap into. 00:22:35.665 --> 00:22:44.333 Some part of the family is going to have more physical capability to mow the lawn, prepare the meals, shovel the snow, do the groceries. 00:22:44.540 --> 00:22:46.750 So I talk to a lot of families. 00:22:46.790 --> 00:22:55.040 One of my favorite things I do in my business is I offer these free clarity calls, like anyone can schedule one appointment with me for 30 minutes for free on Zoom. 00:22:55.375 --> 00:23:00.708 And we will just get together and talk about what they're trying to figure out usually related to multi-generational living. 00:23:01.040 --> 00:23:03.000 I learn so much. 00:23:03.083 --> 00:23:09.540 It's selfish of me to almost to offer these calls because I learn so much every time I talk to a new family. 00:23:09.958 --> 00:23:25.165 And so it is completely normal and common that families come into these situations with varying degrees of financial resources, physical resources, energetic resources, health resources. 00:23:25.375 --> 00:23:35.790 And so when you're considering what combining households and finances looks like, you have to value the contributions that are not financial. 00:23:36.165 --> 00:23:42.290 Now it's up to you as a family how you weigh that, how valuable you feel those things are. 00:23:42.750 --> 00:23:44.000 Value of cooking. 00:23:44.040 --> 00:23:45.125 Yes, exactly. 00:23:45.125 --> 00:23:47.458 So as a family, you have to have those conversations. 00:23:47.458 --> 00:23:52.333 And that's one of the things some of my guides do is help walk you through how to have those conversations. 00:23:53.165 --> 00:24:00.915 But it's really important because we're never going to have, I mean, it's very rare that you would have a completely equal playing field in every aspect. 00:24:02.000 --> 00:24:04.750 So that's what I mean by the non-financial contributions. 00:24:04.750 --> 00:24:06.208 And fascinating. 00:24:06.208 --> 00:24:16.915 We're thinking about, you know, multi-generational housing is helping elderly people of maybe limited means or physicality move in with younger people. 00:24:17.165 --> 00:24:23.708 But what we're seeing right now in the housing crisis is younger people cannot afford housing. 00:24:24.208 --> 00:24:24.625 Correct. 00:24:24.750 --> 00:24:27.500 And so there's a kind of a change. 00:24:27.583 --> 00:24:30.415 We've had a change and we are having a change in that area. 00:24:31.040 --> 00:24:32.958 I have a niece who just finished. 00:24:32.958 --> 00:24:34.290 They just moved in in April. 00:24:34.333 --> 00:24:40.708 She and her wife built an ADU, a beautiful ADU on her wife's parents' property. 00:24:40.915 --> 00:24:43.750 So they had been approved to buy their first home. 00:24:43.790 --> 00:24:44.583 They had a budget. 00:24:44.583 --> 00:24:47.708 I think their budget for their first house was somewhere between four and five hundred thousand dollars. 00:24:47.708 --> 00:24:49.165 Like that's what they were approved for. 00:24:49.375 --> 00:24:54.833 Well, you and I both live in Massachusetts and you know, sadly, that buys almost nothing in Massachusetts. 00:24:55.040 --> 00:24:58.333 And if it does buy something, it probably needs a ton of work. 00:24:58.458 --> 00:25:00.000 It was built 200 years ago. 00:25:00.000 --> 00:25:01.000 You know, something like that. 00:25:01.415 --> 00:25:01.750 Yes. 00:25:01.790 --> 00:25:02.000 Yeah. 00:25:02.125 --> 00:25:06.250 Or it's never been cared for and it's going to be just a maintenance nightmare. 00:25:06.290 --> 00:25:06.625 Right. 00:25:06.875 --> 00:25:17.540 So they were looking for a couple of

years and then they started talking with her parents' family and my niece's wife's parents and they had room on their property. 00:25:17.583 --> 00:25:21.750 And now in Massachusetts, we are allowed to build an ADU by right. 00:25:22.040 --> 00:25:23.375 And so that's what they did. 00:25:23.458 --> 00:25:31.625 And you know, all in, I think because I think it's important people understand this, all in it was probably like a four hundred four hundred fifty thousand dollar investment. 00:25:31.875 --> 00:25:42.500 It required a new septic system, you know, and they worked out as a family who paid for what and how that all works long term and how they were going to pay for it and how they got the money for it was a combination of things. 00:25:42.500 --> 00:25:44.125 And it will be different for every family. 00:25:44.875 --> 00:25:50.458 And I do think people need to understand it is pretty expensive to build a detached ADU. 00:25:50.458 --> 00:25:51.625 There's a lot involved in that. 00:25:51.625 --> 00:26:00.165 However, the house that they ended up with so much better than what they could have afforded if they'd bought just a single family home. 00:26:00.583 --> 00:26:08.458 And one community that I always kind of I didn't identify until I talked to Representative Osiero was the disability community. 00:26:09.208 --> 00:26:11.708 That's important in your state, my state. 00:26:12.000 --> 00:26:13.790 The housing stock is so old. 00:26:14.000 --> 00:26:19.375 Yeah, it is so impenetrable by people who have mobility limitations. 00:26:19.500 --> 00:26:19.790 Yes. 00:26:19.875 --> 00:26:30.290 That the ability to put a nine hundred square foot property one level, maybe with a garage on mom and dad's property is awesome. 00:26:30.665 --> 00:26:31.375 It's amazing. 00:26:31.375 --> 00:26:34.833 And because it's a new build, you can build it for what you need. 00:26:34.833 --> 00:26:36.333 You can have wider doorways. 00:26:36.333 --> 00:26:38.708 You can have ADA compliant bathrooms. 00:26:38.708 --> 00:26:42.165 You can have no threshold entries between rooms. 00:26:42.165 --> 00:26:53.250 You can really build something that actually works for your needs, whether it's because of a disability, because you're getting older, or maybe you just want to build it so that 30 years from now or 20 years from now, you could age into place. 00:26:53.333 --> 00:26:54.958 A lot of families are switching houses. 00:26:54.958 --> 00:26:55.915 Have you heard about that? 00:26:56.540 --> 00:26:59.375 Like so I guess they're moving into the ADU. 00:26:59.375 --> 00:26:59.875 Is that right? 00:27:00.540 --> 00:27:03.958 Like the older generation house, but moving into the ADU. 00:27:03.958 --> 00:27:04.290 Yes. 00:27:04.290 --> 00:27:08.915 And I talked to some families that love that because they're like, well, now we get to build a brand new house. 00:27:09.250 --> 00:27:12.000 Like this is we're going to build it how we would want it now. 00:27:12.083 --> 00:27:17.750 Or they build it with the idea that they might switch later when the younger generation has children like and they need more space. 00:27:17.750 --> 00:27:19.500 So there's lots of options there. 00:27:19.665 --> 00:27:20.040 I love it. 00:27:20.290 --> 00:27:21.625 I really love it. 00:27:22.458 --> 00:27:27.290 I have to say you are a source of so many resources. 00:27:27.750 --> 00:27:42.625 So you, you put out something called Sunday notes, which I couldn't believe when I first saw the first one, it is, you know, here's important things about living together, here are important things about the house. 00:27:42.625 --> 00:27:44.250 This is a gadget that might be useful. 00:27:44.375 --> 00:27:45.415 Here's a recipe. 00:27:45.958 --> 00:27:51.875 And I've been a real estate professional for so long and they're telling us do not use recipes. 00:27:52.500 --> 00:27:53.708 It is so cozy. 00:27:53.915 --> 00:27:55.333 Everybody loves those recipes. 00:27:55.375 --> 00:27:59.790 It was like a baking spree this summer with my husband so we couldn't stop ourselves. 00:28:00.165 --> 00:28:03.000 It was, it was, it was so, it's so cozy. 00:28:03.000 --> 00:28:07.583 I mean, it is so holistic, is I guess is the word that you use. 00:28:07.583 --> 00:28:08.290 That's right. 00:28:08.708 --> 00:28:11.540 I mean, this is, I think what we all need, right? 00:28:11.875 --> 00:28:14.875 When you think about a home and I'm sure you love this about real estate. 00:28:15.500 --> 00:28:16.665 It's not just the house. 00:28:16.665 --> 00:28:18.750 It's not just a financial transaction, right? 00:28:18.790 --> 00:28:22.290 It's about our lives and the way that we live. 00:28:22.500 --> 00:28:24.000 And that's what I'm interested in. 00:28:24.290 --> 00:28:26.625 That's what I love to talk with people about. 00:28:26.665 --> 00:28:32.665 So yeah, so sometimes I share a cleaning spray or, you know, almond fig cake. 00:28:33.625 --> 00:28:40.540 But I also share market data and, you know, aging in place information and other things that are relevant to my audience. 00:28:40.540 --> 00:28:44.540 And here's a mechanism to deal with that conflict, you know, whatever it was. 00:28:44.790 --> 00:28:49.458 And the other day I believe I saw you playing a guitar on your social media. 00:28:50.125 --> 00:28:50.415 Okay. 00:28:50.415 --> 00:28:52.000 So I play very poorly. 00:28:53.875 --> 00:28:57.833 I keep these around to kind of remind me of like who I am in my soul. 00:28:58.915 --> 00:29:04.500 I was always a decent singer, pretty good songwriter, terrible guitar player, but I do love it. 00:29:04.958 --> 00:29:05.165 Yeah. 00:29:05.165 --> 00:29:05.375 Lovely. 00:29:05.665 --> 00:29:09.958 Well, we're a musical family, Berkeley College of Music, you know, the whole nine yards. 00:29:09.958 --> 00:29:10.208 Yes. 00:29:10.208 --> 00:29:12.208 And that's what real estate paid for, by the way. 00:29:12.208 --> 00:29:14.333 Real estate commissions. 00:29:15.375

--> 00:29:17.750 I paid for that for sure from Virginia. 00:29:18.125 --> 00:29:21.833 But the couple and I've been to two of your seminars. 00:29:22.083 --> 00:29:26.875 One was on home equity conversion mortgages. 00:29:27.540 --> 00:29:28.250 Is that what it's called? 00:29:28.333 --> 00:29:28.708 Conversion. 00:29:28.708 --> 00:29:31.790 It was probably, yeah, it was reverse mortgage. 00:29:32.208 --> 00:29:32.750 Reverse mortgages. 00:29:32.958 --> 00:29:33.083 Yeah. 00:29:33.083 --> 00:29:34.000 One of the names for it. 00:29:34.000 --> 00:29:34.790 Home equity conversion. 00:29:34.915 --> 00:29:35.125 Right. 00:29:35.665 --> 00:29:38.165 And your partner, Michael Panko. 00:29:38.583 --> 00:29:40.375 Michael and I partner in the lending world. 00:29:40.375 --> 00:29:45.125 So Michael is an independent lender from me, but I am what's called a REMLO agent. 00:29:45.125 --> 00:29:54.708 So if you're a real estate agent or broker like I am, you can also be a mortgage loan officer and get your lending license. 00:29:55.125 --> 00:30:01.250 And there's some guidelines for how that has to be done because I'm not only doing that, right? 00:30:01.250 --> 00:30:05.083 I'm a real estate broker, but I'm also able to help with lending and originate mortgages. 00:30:05.083 --> 00:30:11.665 So I'm partnered with Michael because he is really the expert in that area, especially with reverse mortgages. 00:30:11.875 --> 00:30:17.875 And so I can help people access any kind of financing products, actually unlicensed in all 50 states. 00:30:18.458 --> 00:30:23.458 But I always do it with Michael because he's like he's my right hand because he's the expert there. 00:30:23.458 --> 00:30:27.290 And he is actually a nationally recognized expert in reverse mortgages. 00:30:27.458 --> 00:30:30.458 He's really a subject matter expert, one of the leading ones in the country on that. 00:30:30.790 --> 00:30:39.250 Then you did another session on how to afford buying a multiple family residence. 00:30:39.583 --> 00:30:39.790 Right. 00:30:39.790 --> 00:30:44.540 We call it the multi-gen finance workshop because there's so many ways that you can finance a multi-gen home. 00:30:44.540 --> 00:30:45.708 So many. 00:30:45.833 --> 00:30:46.375 So many. 00:30:46.458 --> 00:30:46.750 Yeah. 00:30:46.833 --> 00:30:55.040 Now, were you the person who said the data is 22 percent of all new mortgages, people 65 and over, are from multi-gen families? 00:30:55.500 --> 00:30:56.833 I don't think I said that. 00:30:57.500 --> 00:30:58.500 Maybe Tristan Ahomada said that. 00:30:58.500 --> 00:31:01.250 That's not the number that's being true with me, but it doesn't surprise me. 00:31:01.415 --> 00:31:10.875 I mean, in 2024, I think it was 21 percent of all home purchases by Gen X buyers, like my generation were multi-gen homes. 00:31:11.125 --> 00:31:15.333 And about 17 percent of all home purchases were multi-gen. 00:31:15.333 --> 00:31:16.458 And we're just going to see that grow. 00:31:16.540 --> 00:31:18.833 It used to be seven percent, like a few decades ago. 00:31:18.833 --> 00:31:20.833 So that's just going to keep on growing. 00:31:20.833 --> 00:31:22.208 And that's that's terrific. 00:31:22.375 --> 00:31:29.333 So these seminars that I listened to one, you know, driving up to New Hampshire, listening to every word. 00:31:29.665 --> 00:31:34.500 And then the other one was fascinating, just really, really fascinating. 00:31:35.290 --> 00:31:42.415 So I urge people to look up, you know, what you're offering and do you record those and share them or are they two times? 00:31:43.000 --> 00:31:43.040 I do. 00:31:43.040 --> 00:31:43.750 And they're free. 00:31:43.750 --> 00:31:45.915 So anybody can go to my Web site. 00:31:46.333 --> 00:31:47.458 You'll put it in the show notes. 00:31:47.500 --> 00:31:47.875 Yeah. 00:31:47.915 --> 00:31:49.040 JuliFord dot com. 00:31:49.125 --> 00:31:50.125 There's no way on Juli. 00:31:50.833 --> 00:31:53.083 And everything I do is really on there. 00:31:53.083 --> 00:31:54.540 So there's an events page. 00:31:54.540 --> 00:31:57.500 You can look at resources and any any workshops I have coming up. 00:31:57.500 --> 00:31:58.165 I also do. 00:31:58.583 --> 00:31:59.375 These are all free. 00:31:59.665 --> 00:32:04.375 So I do a monthly coffee chat, I call it, where people can just drop in. 00:32:04.415 --> 00:32:05.290 I think you've come to one. 00:32:05.290 --> 00:32:06.040 I went to one. 00:32:06.208 --> 00:32:06.833 I got one. 00:32:06.833 --> 00:32:13.000 I I missed my rotary meetings with great shame to make sure I got to one. 00:32:13.540 --> 00:32:16.500 Well, those are the only thing that are not recorded. 00:32:16.708 --> 00:32:17.000 Yes. 00:32:17.000 --> 00:32:23.665 And that is an intentional decision because I feel like we're just recorded all the time in the world right now. 00:32:23.875 --> 00:32:34.915 And I wanted one place where families could just come and just talk and just talk about what they're struggling with, with multi gen or thinking about crowdsource from other people. 00:32:35.125 --> 00:32:41.458 And I thought everyone would feel much more free to just have these personal conversations if they weren't being recorded. 00:32:41.540 --> 00:32:45.290 So that is the one place that I don't record the workshops, of course, we record. 00:32:45.540 --> 00:32:45.708 Right. 00:32:46.290 --> 00:32:50.125 So, yeah, so you can register for those and get the recording, the multi gen chat, the coffee chat. 00:32:50.125 --> 00:32:50.875 You just have to come live. 00:32:51.040 --> 00:32:51.415 Right. 00:32:51.500 --> 00:32:53.125 And and it's worth going. 00:32:53.125 --> 00:32:55.625 It's worth missing your rotary meeting if you have to. 00:32:56.040 --> 00:33:03.333 But there were 30 some people on the call and people at very different stages of their desires and making it happen. 00:33:03.500 --> 00:33:04.915 Some people are already living it. 00:33:05.000 --> 00:33:06.333

Some people are planning it. 00:33:06.333 --> 00:33:07.833 Some people are hoping to make it work. 00:33:07.833 --> 00:33:13.375 Some people have lived it before, like with one generation and getting ready to do it with the up and coming generation. 00:33:13.958 --> 00:33:15.083 That's been exciting to me. 00:33:15.083 --> 00:33:19.290 I'm glad you mentioned how many people were on it because I have this idea to do that last December. 00:33:19.290 --> 00:33:20.750 It was just an idea. 00:33:20.750 --> 00:33:22.540 And I thought, is anyone going to come? 00:33:22.915 --> 00:33:23.540 I don't know. 00:33:23.958 --> 00:33:28.125 And we had maybe like five, six, seven people come to the first few. 00:33:28.583 --> 00:33:31.540 And then I don't know, then in July, there was like 17. 00:33:32.125 --> 00:33:33.958 And then this month there were 30. 00:33:34.250 --> 00:33:35.915 Oh, this is growing. 00:33:35.915 --> 00:33:36.750 This is working. 00:33:36.750 --> 00:33:37.750 People are getting it. 00:33:37.790 --> 00:33:38.290 Yes. 00:33:38.583 --> 00:33:39.375 It's awesome. 00:33:39.415 --> 00:33:40.625 It's really, really awesome. 00:33:40.625 --> 00:33:41.083 Thank you. 00:33:41.250 --> 00:33:52.875 I thought before we close, it might be helpful to our listeners to hear the various configurations that people can can have shared housing. 00:33:53.290 --> 00:33:59.415 So whether it's a bedroom first or a suite first or whatever, maybe just go over a few of those so that. 00:33:59.415 --> 00:34:01.790 Yeah, there's I'm glad you asked that. 00:34:02.083 --> 00:34:05.540 There's so many different ways that you can create a multigenerational home. 00:34:05.540 --> 00:34:15.291 I do have, again, on my on my website, another resource, a free one that I've recently created that is a like a floor plan and ADU guide. 00:34:15.333 --> 00:34:17.958 And it's not me creating floor plans. 00:34:17.958 --> 00:34:28.208 It's me directing you to where I found good floor plans, including the floor plan in our house, just so people can kind of see what our setup is like, because there's not just one way to do it in our house. 00:34:28.250 --> 00:34:32.375 What we have is a full in-law apartment in a walkout basement. 00:34:32.958 --> 00:34:38.333 And I advise, by the way, if you're going to put an apartment in your basement, make sure it's a walkout basement. 00:34:38.333 --> 00:34:41.041 So you have like a lot of light and exits and all that. 00:34:42.208 --> 00:34:46.666 You could do a an attached garage that you've converted. 00:34:46.708 --> 00:34:52.666 You could build a completely like my niece and her wife's separate home on your property. 00:34:52.916 --> 00:35:01.666 You can buy some parts of the country where they have more land and more people in the kitchen are doing what they're calling next gen homes out west. 00:35:01.666 --> 00:35:02.500 There's a lot of these. 00:35:02.500 --> 00:35:09.208 And I think in Florida, too, where they're building homes that actually are all on one level and have two different entrances. 00:35:09.208 --> 00:35:14.416 So they're basically like an attached duplex almost, but laid out differently than that. 00:35:15.000 --> 00:35:18.250 But multi-gen living could be just an extra bedroom. 00:35:18.291 --> 00:35:20.000 Maybe you have an extra primary suite. 00:35:20.000 --> 00:35:26.333 Maybe you convert an unused family room into a bedroom sitting area, mini kitchen room. 00:35:26.333 --> 00:35:27.958 There's so many different ways you can do it. 00:35:27.958 --> 00:35:33.416 Or if you're really brave, just all move into a same same old regular single family house. 00:35:33.416 --> 00:35:34.375 And God bless you. 00:35:34.375 --> 00:35:38.083 And you try to make it work as fast as it does. 00:35:38.125 --> 00:35:38.958 Go from there. 00:35:39.000 --> 00:35:39.500 Yes. 00:35:40.166 --> 00:35:45.208 It really speaks to the creativity, you know, the creativity that's available. 00:35:45.500 --> 00:35:51.208 And also and you have warned also the importance of having private spaces. 00:35:51.500 --> 00:35:51.750 Yes. 00:35:52.416 --> 00:36:05.250 You know, in private privacy agreements, I think is part of it, because money really does impact what you're able to create space wise, how much space you can claim for privacy in private areas of your own. 00:36:05.291 --> 00:36:09.625 And I do love to say if you have a door that can close, that's your private boundary. 00:36:09.958 --> 00:36:11.750 That is super, super helpful. 00:36:12.083 --> 00:36:14.250 Not everyone is going to be able to make that happen. 00:36:14.875 --> 00:36:18.583 Usually it's about money, maybe time or logistics. 00:36:19.041 --> 00:36:27.500 So if you can't make it happen physically, you need to make it happen in your agreements with one another, which means you're going to need to have brave conversations. 00:36:28.458 --> 00:36:34.958 You're going to need to be able to say, I cannot physically speak to anyone until 10 a.m. every day. 00:36:34.958 --> 00:36:36.333 You know, whatever that is for you. 00:36:37.000 --> 00:36:38.458 That's actually kind of mine. 00:36:40.791 --> 00:36:43.625 Like two cups of coffee and a lot of alone time. 00:36:44.250 --> 00:36:45.416 I can talk to anybody. 00:36:45.416 --> 00:36:47.541 Luckily, my mom is like kind of the same. 00:36:47.750 --> 00:36:49.250 So we never would talk in the morning. 00:36:50.250 --> 00:36:50.958 Excellent. 00:36:51.041 --> 00:36:52.000 It's in the jeans. 00:36:52.416 --> 00:36:52.791 Yes. 00:36:53.125 --> 00:36:53.916 It's in the jeans. 00:36:53.916 --> 00:37:03.833 I was just speaking with the director of pre-construction at Bensonwood, which is a panel built modular housing system. 00:37:04.166 --> 00:37:05.583 Not inexpensive. 00:37:05.750 --> 00:37:06.041 OK. 00:37:06.500 --> 00:37:09.833 But they talk about the importance of acoustic privacy. 00:37:09.916 --> 00:37:10.791 Oh, my gosh. 00:37:10.791 --> 00:37:11.750 This is a big one. 00:37:11.750 --> 00:37:12.208 The big one. 00:37:13.375 --> 00:37:19.916 We share a story that our lives changed when my mother got Bluetooth hearing aids because especially if you expect. 00:37:19.958 --> 00:37:20.916 Well, you know, it depends. 00:37:20.916 --> 00:37:22.166 It depends on who's living in your house. 00:37:22.166 --> 00:37:25.916 But with an aging person in your house, hearing often declines. 00:37:25.916 --> 00:37:27.083 It's so normal. 00:37:27.291 --> 00:37:29.125 And then the volume of everything gets turned up. 00:37:29.166 --> 00:37:30.708 So for my mom, it was the TV. 00:37:30.750 --> 00:37:33.125 You can hear it in our living room. 00:37:33.208 --> 00:37:34.500 And that wasn't too fun. 00:37:34.750 --> 00:37:37.250 She got Bluetooth hearing aids that connect to her TV. 00:37:37.250 --> 00:37:38.208 We never hear her TV. 00:37:38.291 --> 00:37:41.041 So things like that make a world of difference. 00:37:41.291 --> 00:37:44.041 But also on the flip side, you know, kids can be noisy. 00:37:44.083 --> 00:37:45.916 Teenagers can be noisy. 00:37:46.208 --> 00:37:48.583 So you do need to think about those things. 00:37:48.625 --> 00:37:49.041 You do. 00:37:49.583 --> 00:37:49.791 Yeah. 00:37:50.041 --> 00:37:53.125 I want to thank you so much for everything you're doing. 00:37:53.333 --> 00:37:55.291 Thank you for your time today. 00:37:55.458 --> 00:37:56.416 I feel so blessed. 00:37:57.333 --> 00:38:03.250 And so when the Juli Ford Fam Club does form, I want to be a member. 00:38:03.291 --> 00:38:07.916 And and I'm so grateful to you and thank you for what you're doing for our society. 00:38:08.541 --> 00:38:09.000 Thank you. 00:38:09.000 --> 00:38:10.666 I appreciate you so much, Mary. 00:38:10.666 --> 00:38:11.791 I appreciate this conversation. 00:38:11.916 --> 00:38:15.208 And thank you for giving me another another opportunity to help spread the word. 00:38:15.416 --> 00:38:16.583 Of course, of course. 00:38:16.625 --> 00:38:18.416 JuliFord dot com. 00:38:20.250 --> 00:38:22.625 Thank you so much for joining us today. 00:38:22.791 --> 00:38:28.166 And I hope you found this conversation useful to you and your real estate goals. 00:38:28.916 --> 00:38:34.875 You'll find the contact information for our guests and any links they recommend you have in the show notes. 00:38:35.333 --> 00:38:45.791 And should we be able to help you identify some strong real estate professionals in your area, drop us a note at info at real estate connections podcast dot com. 00:38:46.458 --> 00:38:48.625 Thanks again and bye for now.