Christy: Welcome back to the We Are Grant County Podcast, where we connect with the people, businesses, and organizations helping make our community stronger. Today we're diving into a topic that impacts every single one of us, our finances. Whether you're trying to save for retirement, planning your children's future, paying off debt, or simply trying to make smarter financial decisions, it can sometimes feel overwhelming. That's why we're excited to welcome Christy Comerton, financial advisor with Edward Jones. Today we're breaking down financial planning, investment accounts, retirement savings, and some of the most common questions people have about building your future. And don't worry, we're leaving the complicated financial jargon at the door. This is a conversation designed for real people living real lives. So let's settle in, join us for a conversation about financial confidence and planning for the future. Christy, welcome to the We Are Grant County Podcast. Thank you so much. Excited to be here today. So what's a typical day for you look like Christy? Well I do travel a lot. I'll go to my clients' houses to meet with them there to make it more convenient. I am in my office as well, you know, rebalancing people's portfolios, having annual reviews, networking events, and that's how I met you two wonderful ladies. So what's something that might surprise somebody learning about your job? Everybody thinks that they have to be really have a lot of assets to have a financial advisor. My passion is working with young children to start them with their Roth IRAs and and get them educated on investing. So I have a lot of clients that are under 20 that once they have taxable income, we set them up with Roths. And they make monthly contributions. So everybody just thinks they need a lot of money to have a financial advisor and you don't. Everybody deserves financial guidance. That's a great point because that's not something you typically, unless you have family that has money or you know, some someone that has that advantage or opportunities, you don't necessarily learn about the more complicated aspects. of finances. Like budgeting is one thing, but learning different, you know, savings and plans, that's a different ball game. Well, Katie, it's funny you even say that. most adults don't know about budgeting. So one of the things that I have to do is bring clients in and go over their budget to see where their money is going and come up with financial plans for them and on on how to get emergency cash for if something goes wrong. So I always when when kids come in with their parents, I always tell these kids to look at their parent and thank them because they just changed their lives. And it's so important to educate them. So really something I'm trying to advocate for is financial literacy amongst young people. That's awesome. Cause I know I definitely could have used that help going into college as someone who had, you know Just gotten a credit card and, you know, was off on my own and not realizing money is finite. And it's it's crazy. I forget what this statistic is, but about ninety, I guess, percent of people in the United States live paycheck to paycheck. And and everybody just feels so intimidated about talking about finances because they think they're so far behind and they don't have a chance and that they can't save money that Really just sitting down with somebody and going over everything is very important. And I just I would tell everybody just to sit down and see where you are and at least know what your budget is and where your money's going. So what led you into financial advice? Well, that's funny you say that. I sold liquor for 17 years. I worked for a liquor distributor and everybody was like, You have the perfect job. I did have the Peter Pan job of taking people down to distilleries, doing single barrels, being at bars and and doing events. And I went back for my MBA and I just wanted to do something where I could change people's lives and didn't know what that was gonna be. And I was with a friend one day and she was retiring and said, You should be a financial advisor. So in my 40s, I I had to go back and do all the series seven, the 66, go back and get my testing done. And and now I I look back and I'm so thankful I did it because I am impacting so many lives and and helping so many people out. So I do miss day drinking a lot with my friends though. I'm not gonna lie. It does have some French benefits. Yeah, yeah. So you said you you really enjoy working with the younger kids and and kind of getting them started early. are there any other perks or enjoyments to the financial job? All my clients, like I have clients ranging from I believe my youngest one is probably seventeen, and I have a client that's eighty-nine that I still go to his house and get documents signed because I I don't want him on the road. or he just, you know, is not as mobile as he used to be. So working with those older clients as well, and one of my favorite things is when people are about to retire and and making that transition. From being in a job to not being in a job and finding out what they're gonna do, because most people wanna retire, but they don't know what they wanna do in retirement. And that's such an important point because people really have to have a plan or else they lose their sense of self, they get bored, they they regret the disc decision. So it's really important to have that plan and know that not only assets are there available for but a life outside of of working is there as well. I don't think Michelle had that problem. I think she she added more. I added more. I filled the void really quick. She retired and she did more things than she did when she was working. She started a new business. Like, hey, why not? Some people do that. That's why we're here. So so this is kind of like the question you've already answered, but what is the right time to start? Any time. It really is. Like compound interest is truly something Crazy, right? Like, I've had 40 year olds come to me and they're like, it's too late. It's not as long as you're smart smart with your money and your investments and and you're putting your money in the right places, it's not too late and you can make an impact in in a short amount of time. Now, are you gonna be able to live in Italy for 10 years? No, but it any time is a great time. As soon as you start getting a job and you have taxable income, you should open a Roth. That is one of the best investment vehicles ever. so any time is a good time. even even to put money in a money market. I tell people I had a client walk in with three hundred thousand dollars that was in her savings account and it made her two dollars in three years, and we put it in a money market, and she had an interest payment of over I I forget what it was, eight hundred dollars one month. And that was just from one month. And she just wasn't educated on it. If somebody would have told her, hey, Put it in a money market, you get interest dividends every month, then then she would have been a lot more happier with that money sitting in there. Well, and it's good to know that there's safe options too, because obviously not all of us are going to be playing the stock market. Although there's more opportunities for that now for you know the layman. But yeah, I've always viewed finances as an intimidating kind of aspect. So I'm sure that's one of the one of the more interesting parts of your job is trying to relay all of that. And and I'm a visual person, so I love showing like statistics, historical data. In our generation, us three being, I don't know, Katie, how old you are, but I'm I'm in my forties, Michelle. you're in your thirties, right? Whatever. So we've we've seen a lot of hard times. But we've seen a lot of hard times. We've seen a lot of down markets. 2008 was obviously a historical market crash where a lot of people lost their wealth. we had COVID and then the impacts of COVID in 2022, where the market was down. So we have seen some down markets, but like I said, compound interest is truly a thing of of wonder. And even having those down markets, if you are in it for long term investing. with quality invest investments and I don't know if I can say like alternative investments are are a little more volatile, right? If you go with quality investments for a long term and not take it out every five minutes, you can you can gain wealth and you can grow it over the years. So if somebody was interested in moving forward and getting started, what would maybe the first meeting with you look like? honestly, we would sit down and we would just get to know each other. I recommend everybody that they interview their financial advisor. This is somebody they're gonna be hopefully working with for the rest of their lives. So even these kids I meet, I give them a big hug and I'm like, buddy, you're gonna know me for the rest of your life. Cause you want them to be there throughout the entire journey. Some of my clients are young and then they get married and then they buy a house and then they switch jobs. You have 401k rollovers. I my my very first client was 18, 19 when she signed on with me and we started her Roth. And she is now making monthly investments. The Roth has grown. She graduated college, worked a job at St. E's for a while, left that employer, went somewhere else for the hours, and we already rolled over 401k, and I'm so proud of her. And now we're working on her other investments within her new company. And and you really want to know your financial advisor. So that first meeting is just getting to know each other. And then from there, what's your wants, wishes, needs? What do you want? What are you trying to accomplish as the client to get out of working with a financial advisor? Is it getting out of debt? Is it getting to retirement? it everybody is different, every situation is unique. So that that meeting is always an introductory, just let's get to know each other and see what you really want out of this relationship. So well, not only is everyone different, but even your own situation can change over time. So, like you said, building that relationship early on can be really beneficial to have that as your circumstances change. Layoffs, it's it's great to have. A face with a name, right? So there's too many times like you just have a one-eight hundred number and most people don't even know what to do with their old four one K when they leave a company and just to have a person to call and be like, I'm not sure what do I do? What do I do? How do I start a five two nine for my son or daughter? Or what can I do with this five two nine? Instead of having a one-eight hundred number that you dial and you don't know the other person picking up on the other line. The one thing I love more than anything with this job is I get to sit down with my clients. They can meet me every month if they want, every two months, six months, every year, whatever fits their needs. And we have that relationship. So I get to know my clients and they become family. It it's really a cool thing. So you've mentioned a couple different avenues to go. can you help me break down some of the financial terms and kinda Mentioned so it's almost like a Roth. Yep. So you should be a a financial translator. What is a Roth IRA? So that's funny. Like I do have all kinds of drawings that I do for my clients. I wish I could draw this in front of you. But pretty much there's three buckets, right? You have your pre-tax money, which is usually a four one K. A lot of those four one Ks are certain to have the option for Roth Contributions, which is really cool. But your 401ks, your traditional IRAs, those are all funded with pre-tax money. So that can be a deduction that comes off your ordinary income. But as that grows, when you go to take it out, you will have to pay taxes on it, even the growth in that account. Now, Roth IRA, that is all funded with after tax money. So obviously on this podcast, I'm not going to go through the phasing out or anything like that. But with after tax contributions, say you put 10,000 in and it grows to 100,000, all that growth is tax free. So when you go to take it out, you don't owe any taxes. And not knowing the taxes at 10 years from now, much less 20 years from now, it's such a great investment vehicle to have, especially if you're trying to pass that money on to your generational, you know, your grandkids, your children. it is all after tax and nobody has to pay tax on it. And then your last account that most people have are brokerage accounts. This is where you're, I mean, they're all in investments, but if you think of a brokerage, you can fund that anytime, you can get that money out anytime, and you're just paying capital gains tax. So three different accounts. I always say everybody should have every bucket in their retirement you know, portfolio because the older you get. The more you want to pull out the other buckets, right? For the tax efficiency. So those are the three main accounts. teachers, firefighters, they have their name differently, a lot of numbers, 403Bs, 457s, they're essentially the same thing as like a 401k. And what is a 529? So a 529, this is for educational purposes. So if you wanted to save money for your children. This can be funded by anybody, grandparents, anybody. And this money goes in after tax, and all that growth is federal tax-free. So you get to have that grow 18 years. Some people just start it when their children's born. So it's wonderful. And some states actually work with fund families that where it is state tax-free as well. So it's a great tax advantage. But those kids can use it when they go to college. And actually they've changed a lot of the rules. You can use it K through 12. You can use it for trade schools, which is amazing because college isn't for everybody. You can also pass it on to family members. Say, if somebody has a 529 and they have kids and they never use their 529, they can pass it on to their kids. But a real cool thing that has happened with the Secure 2.0 Act, I'm sure a lot of you guys have heard of that, in that legislation, you're now able to convert 529s to Ross. So say somebody started their 529 for their child when they were one year old, and then at 18, they got a scholarship and they did not have to pay any educational you know, payments or or books or anything like that. Now you can convert part of that to a Roth. I know it's small increments at a time, but that that's like starting a Roth super early for a child. It's such a great benefit. It does sound like a really good. I guess, Opportunity. Opportunity. Yeah, I mean it's just something like I said, they just passed it. So we're now starting to convert some of these five two nines that money's been sitting in there. There is some that it has to be open for 10 years. So I always recommend just open a five two nine as soon as possible. And then at age eighteen or whatever, we can start converting that little by little into a Roth IRA. So every time the market moves, people get a little nervous. What should investors remember? During market downtime. Yes, I I have experienced this every year multiple times. especially when the policies and tariffs were going on. The one story I can tell is I had an 81-year-old call and liquidate all his investments and put it into a money market. And what that means, you just went safe, right? He's 81, that makes sense. But a lot of young people do that as well, thinking they're gonna lose all their money. The next day the market, the SP was the highest it had ever been historically, and he lost probably $30,000 just by liquidating everything. People, their emotions get into their investing and you can't, like I said before, it's for the long term. You have to go and invest when the market's when the markets are down, I call clients and tell them everything's on sale. Like buy. I'd rather buy a house at 200,000 than 500,000. Like Nvidia was cheap. Let's go buy some Nvidia. And people, they just don't realize that in their heads. So they think they're losing. They're looking at their 401k statements. I've lost $20,000. What am I gonna do? Prime example this year, we had the same thing in March and April. Market went down, all kinds of uncertainty. just Uncertainty everywhere. The the dollar you know has been weak. So people are very scared. And everybody was freaked out looking at their statements. So I guided everybody to look at their statements from the previous year of March when we were going through the whole policy tariff uncertainty as well. And then I told them to look at their year-end statement from 2025 and let me know how that worked out. And most of those returns were very high. They did very well. People just don't understand that the market goes up and down. And I'll tell you right now, it's the media that is influencing all these decisions because they are just creating doomsday for everybody. I call people and I tell them to buy. Like you need to buy. Put in for the long haul and just let it sit there. There is this beautiful thing called dollar cost averaging. Where you can continuously put into a stock or an ETF and it will buy the same exact day of every month, and you can have a certain amount and you have no idea what you're buying that stock out. You can get partial stocks. So you can buy it really cheap or really expensive, but you're still buying it at two different times, and it is awesome how it turns out. So dollar cost averaging is something people are not very familiar with. That is something that I would definitely ask your financial advisor about if you have a brokerage account and you put a lot of money into it. So you don't recommend having like these stock apps on your phone and like training constantly. Like everybody's different. I've I've had people that love doing that. They love to sit there and and stock watch and they love to evaluate PE ratios. they they stockwatch but that takes a lot of time, talks takes a lot of effort, and most people aren't educated in it. So like knowledge is a common factor with that too, right? Yeah. Like I wouldn't even know. Well the thing is they're listening to TikTok or or and who knows if that information is factual or not. So they are listening to people that they have no idea if they actually know what they're talking about. And and going off that some people love day trading and if that's your thing, have at it. they are spending a lot of time. I am the person that's there to help with your efficiency so you can live your life. And I'll take care of the finance part where I monitor your portfolios, where I will check and make sure that things are, it's all about diversifying per portfolios. And what that means, instead of having all your eggs in one basket and having all, and I always use PNG because everybody in this area knows PR PNG. They use PNG products. We love PNG. And if we had $10,000 in PNG and somebody flew over PNG and it blew up. Then all your money's gone. Where I like to have it is in PNG and Nvidia and International. So we have you diversified, and your money is going into multiple different sectors. So when something does not do well, other things are doing very well. Diversification is such a huge thing in your investments. And some people just really don't understand that. 'Cause I was gonna say it can be an int like you said, a knowledge thing, an intimidation. Like it almost feels like gambling if you don't really know what you're doing, right? Like you can but if you're there to guide someone and be like, No, you don't have to put it all on red or black, right? Like And it's it's like the whole crypto thing. Edward Jones does not invest in crypto because of the volatility of of crypto. So People love putting into crypto and that is something we do not do 'cause we want you to keep your money. We do not want to lose your money. So it it's people just like you said, red or black, putting it into something they know nothing about and hoping that they hit the jackpot. So What's one financial myth you'd like people to stop believe? I wouldn't say myth, what what I said before about not being able to have a financial advisor, but I'll tell you one thing I see a lot with clients that they do is they will pull out of their retirement account early and they don't they don't realize the impact that makes on their retirement account. If you pull out before fifty nine and a half on your traditional your pre-tax money. There is a penalty and you have to pay taxes on it. So most of the time, half the money you take out is just going back to the government. And it's sad because people are in a bind and they pull out and it impacts their entire retirement plan. So same with Roth IRAs. They think once you start pulling into the earnings of Roth IRAs, you are now getting penalized on it. And you just need to let it sit there and grow. A lot of people think it's just kind of sitting there as emergency cash. And it's not. Those are retirement accounts for a reason. It's for your retirement. It's not for you to go buy a new boat. So that is one thing I see all the time. I try to explain it to clients, but yeah, they don't understand. So what's the best financial advice you've ever received? long-term diversification is is the best route to go. So if you just put it in some really good funds, you let it sit there and continue to to put money in, that that is I I grew up poor. So I I wanted to spend money as soon as I got it. So going into this industry, I certainly made my weaknesses, my strengths, because I have made all the past mistakes that everybody else has. I have gotten credit cards up. I have I have learned the hard way. what an APR is and how you have to pay it back. So people think with the credit cards, I mean those high APR credit cards, you're not going to be able to play catch up. You need to pay those off immediately. So when I sit down with people that are in debt that need to come up with a plan, it's like we need to work on these things that are are digging you down deeper, right? Like your credit cards. We need to get you emergency cash. We need to get you set up to where you are having extra money a month. So yeah, it's it's some people just don't understand. They want to spend, spend, spend and and not save and then wonder why they don't have retirement. And I mean honestly, like you said, education is a major fact, right? If you've never had money to, you know, save. Like I know especially when I was in college, I was using my student loans to live off of because I really didn't have the financial resources to s you know feed myself and house myself. But I'm pretty sure I got a credit card at twenty-two for fifty thousand dollars and growing up poor, it was the hardest lesson I've ever had in my life because you eventually have to pay that back. And it is very hard once you start digging yourself in a hole to get to get out. So one of the things I love doing is education with young people and and explaining to them what a credit score is. and why they need a good credit score and how that impacts them. So education, I my one thing I would love for everybody to take out of this conversation today is educate your grandchildren, educate these young kids. They're not getting that education, which amazes me of of investing in in how to save and and things like that. So that would be the one thing that we as as a society really need to help each other out with. What would maybe be one habit everybody should start today? Have it. Get your emergency cash. Get out of debt and start making that emergency cash to where if something goes wrong, you have it and you don't have to put it onto a credit card. we recommend three to six months of emergency cash. Put it into a money market and make your money make money for you. Like that's what I always love to say about money markets. Instead of sitting it in a savings account or a checking account and it not doing anything. Put it in a money market and then see those interest payments going in there where you're making money. So that would be my first recommendation and and thing that everybody should have is a a good healthy emergency cash stash. Or like, unlike, you know, with the panic, you know, don't be like, would you say Hiding all your money in the mattress is a is a bad idea. I have clients that do that. I mean it it's insane to me. Yes. They have people that hide it in their closets. And I get that. Like for mental purposes, you want to see that cash and no, it's not it's not gone. So I think when people don't see those numbers in their bank accounts or see it like in front of them, they really freak out. And and I get it. We've all gone through hard fine the majority of us have gone through hard financial times. So I think it makes it easier now with technology when they can look on an app and be like, There's my money market and I just got a big interest payment and it's not gone and I have it. So I mean older clients will call all the time and be like, Why is this money going down? And I'm like, I need you to delete the app and never look at this again. That's it. Just stop. They look at it every day and it's like, my gosh, please, please stop looking at this. So So what does financial success mean to you? To me, I so, and I know we were going to touch on this later, giving back. I I feel very grateful for the position that I'm in and and being able to help people. So now I'm I'm getting old. I wasn't always like this. I'm to the point where giving back is very important in my life and charitable giving. I wanted to kind of hit on this later, but a lot of people. Can do charitable giving and use it as a tax efficient method for once you reach 73, you have to start pulling out of your pre-tax accounts. The federal government wants their money. It's called required minimum distributions, their RMDs. So at 73, you have to start pulling out no matter what and pay the taxes on that. Now, what people can do instead of paying the taxes, if they are of charitable mind. they can give it to their church to a 503c, any charitable you know, place or whatever. And they do not have to pay the taxes and 503 Cs are tax free because they are a nonprofit. So kind of things that you can do. There are also things called donor advice funds that you can do that I am going to be hitting on. We're about to start a huge series of events where we're going to be highlighting nonprofits. And they're mostly nonprofits nobody has ever heard of in this area. So really want to get people you know, educated on those nonprofits so they can give back. Once again, we should all be grateful that we are on this beautiful earth and living lives and and not, you know, in a third world country with no running water. So Really giving back to these charities is a big big thing that I'm trying to educate people on with these QCDs and general advised funds. So are well why don't you just go ahead and t go ahead and tell us about the events that you have coming up? So I'm I'm working on a few of but the first series is gonna be down at Party Source and once a month the next four months, I am hosting this with Amy Tobin, where we will Well, the first one is called Sleep in Heavenly Peace, where they actually get the materials, donated to them, and then they they create beds for children in the tri-state area that do not that can't afford them. They also get the donations for the bedding and then they go and deliver it. Now, this is a national organization. They do have local chapters. I met people from there. I was like, I've never heard of this. Why have we not heard of this nonprofit? What a great nonprofit. So they'll be the first one that we highlight. It will be where we have a lot of people giving back. Maker's Mark will be helping sponsor the first event. So we'll have discounted cocktails. A lot of the proceeds go to the nonprofit. We'll have a raffle. And it literally is just a little meet and greet of the nonprofit and then talking of other or talking to other people that are of charitable mind. So we have four of them plan now. I am a huge animal lover, dogs specifically. so eventually my goal, my retirement plan is, and you said what does financial success mean to me? I am gonna have a nonprofit dog shelter eventually, find some land. We are gonna rescue a bunch of senior dogs out of shelters. So the one in September is gonna be called Circle Tales. And what they do is they will bring in animals, these dogs into prisons. Promote help train them on a high high level and then they become service dogs. So like I said, we will be highlighting these nonprofits that nobody has ever heard of or I have not. And then really offering to the community a volunteer opportunities so they can work with these non sponsors. They can go help make a bed if you can make a bed. I cannot make a bed. I will go ahead and help donate and and deliver them. And promote. I mean sometimes it's just promoting that makes a difference. And when I said before, when you go into retirement, a lot of people don't have plans. So they they seek to go find nonprofits that they can help, but they don't know who to help. They don't know what they actually jive with, right? This gives this community an opportunity to hear of new nonprofits that nobody has ever heard of before. And maybe that is what they have their passion for. And that is what retirement looks for them. So really hoping that it makes a huge impact and All of you guys better be there. So super excited about these upcoming events. And eventually we want to get them into the Grant County area as well. still working on those details, so I cannot talk about And then start really highlighting nonprofits in the Grant County area as well and involving this community. Christy, you've shared so much information with us already, but is there one financial resource, you know, different whatever platform it is that you would like to promote that you think is beneficial? I'm I'm it's a different company, so I'm not promoting it, but we'll allow it. We'll allow it. Other podcast are okay So I drive into work every day. I have a forty five minute commute each way. I truly try to educate myself. be current with financial events that have happened. But Morning Brew is one that always talks about what has happened in finance all around the world. That's a great one. Very quick and they're funny. Another one is your money, your wealth. They have a CPA and a financial advisor that will go through different strategies. It's always nice to listen to that CPA, that tax professional, because there's a lot of things that your taxes are impacted if you do different strategies. So that one is great to listen to and and get ideas if you are a do-it-yourselfer. I love that one. But just go and talk to a financial advisor. Like honestly, I will sit down and meet with people numerous times and and it does not cost you a penny. It really doesn't. Like we can sit there and go through your financial strategy, talk about it. You don't get a bill at the end. We just come up with a plan, right? And then of how I can help you, how Edward Jones can help you. Like I said before, go and interview multiple financial advisors. Pick the one that is right for you and what you are looking for. So instead of trying to do it yourself or listen to resources and and figure it out, go talk to a human being that can actually be there for you and guide you throughout your retirement journey or in retirement or Helping pass on generational wealth, all of those things. We we are here to be there for all stages of life and to help you in any way you can, or we can. I even had a seminar a month ago on long-term care and Medicare, how to prepare if your parents are going through Alzheimer's, dementia. I bring in experts to talk about those subjects so I can educate my clients. They bring friends. My first one was an estate planning seminar. I have a phenomenal estate planning attorney that sits there and explains the differences between wills and trust. I've had so many clients sign up with her because they just didn't understand. They didn't nobody had ever educated them about that. So, so you need to go talk to somebody that will help you. And and you're not in this alone. Nobody was ever educated, at least my generation was never educated on things like this unless their parents specifically guided them through the process. So don't don't feel bad asking for quest or asking questions. Most people know nothing about it. And and that's the first thing people say to me. I don't know much about it. I'm like, join the club. Most people don't. It's like ninety nine percent of the community does not understand what an ETF or a mutual fund is until I show it to them So Or maybe they get all their information from TV shows about wills and you know, like Yeah, or TikTokers. Most people don't know that. Even if you have a will, it still goes through probate and it takes usually twelve to eighteen months. so a lot of things they just think they know and they don't. So go to a a professional or or like I said with my long-term care, I bring in an expert that will sit there and talk insurance products because there's so many good ones now where you can get insurance for long-term care. Or you can do term coverage and then convert it into long-term care. Most people don't know about these new products. annuities, most people have no idea about annuities. I bring in my annuity experts and explain the different things they can do with annuities. So you are not alone in this. Do not ever feel like you're not educated or dumb because most people do not know anything about this. So please give yourself grace. Well said. Yeah, you don't have to be a professional to you know what i mean like it's hard enough i mean that's your specialty like yeah yeah i can't perform open heart surgery certainly not gonna like go to somebody that doesn't know how to do that it's kind of important so retirement is such a huge important topic and most people try to do it themselves and have no idea It's the same thing as going to your doctor. Are you going to perform your own open art surgery? That makes zero sense. Go to a professional that knows what they're doing, and and work with them. And honestly, it's not as intimidating as most people think. It really is very, very it's it's it's a relationship, so it seems much more accessible, knowing that it's accessible and that can make a big difference. Yep, for sure. So hopefully we've at least provided that knowledge. Right? No, for sure. So, Christy, thank you so much for joining us today and sharing your knowledge with our listeners. It it was such a pleasure, and guys, like. Meeting both of you and and learning this community and the people in this community is awesome. And I truly thank you for doing this because you are educating in the community of Grant, you know, Grant County. So that's a huge thing. So thank you. Thank you. Money can sometimes feel intimidating, but conversations like this remind us that financial planning isn't about being perfect. It's about taking the next step and creating a plan that works for your life. So, if today's episode sparked some questions or inspired you to start planning for the future, we'll make sure Christy's contact information is included in the show notes. Thank you to everyone who continues to support the We are Grant County Podcast. Every download, share, comment, and conversation helps us continue to highlight the people and resources that make Great County such a special place to call home. So until next time, we'll see you everyone around the county.
Michelle: Thank you to everyone who continues to support the We Are Grant County podcast. Every download, share, comment, and conversation helps us continue highlighting the people and resources that make Grant County such a special place to call home. So until next time. We'll see you around the county.
Michelle: Thank you to everyone who continues to support the We Are Grant County podcast. Every download, share, comment, and conversation helps us continue highlighting the people and resources that make Grant County such a special place to call home. So until next time. We'll see you around the county.
