Do You Really Care About Your Family Name?

Therese is a busy mom and the author of the book, "Playing For Keeps". After working as a career woman for many years till she sold her company, Therese retired early and spends more time with her kids. She shares that her experience with 9-11 also made her reevaluate all she was doing why she was doing them.

Having a father who was all about Family helped inculcate it in Therese. She brought those same values into raising her kids, particularly by making sure she set an example that they could follow. After her dad died, Therese started to research her heritage just like her dad did, and realized that she came from a line of quite prominent people which helped her understand why she was so driven and motivated to stand out.

For full show notes go to Raising Financial Freedom.

-       "Family is everything to me"

-       "So those pearls, I would say, in business, they apply to life too"

-       "You earn money so enjoy it, at the same time have a bigger plan so that you have a direction that you're going"

In This Episode:

·         [00:48] Meet our guest, Therese Allison.

·         [02:53] How important is family to you?

·         [03:56] How important is your family name to you and how can you pass that torch on?

·         [04:48] About Therese's family background.

·         [06:51] What would you say was the biggest challenge you had to surmount?

·         [07:44] What do you think your kids have taken out of your journey?

·         [09:34] What money lessons did you give your kids while they were growing up?

·         [13:12] 7 money secrets

·         [19:59] Do you want your kids to follow in your footsteps in an entrepreneurial way?

·         [20:33] What action steps can parents take to prepare their children for finance?

·         [21:47] About Therese's book, "Playing For Keeps"

·         [23:27] What is the best thing that has happened to you since you started this journey?

·         [24:09] Therese's advice to parents.

·         [25:27] How to contact Therese

Links Mentioned: 

• Therese’s Website: www.thereseallison.com/
• Check out our website: https://raisingfinancialfreedom.com/
• Like us on Facebook: https://www.facebook.com/RaisingFinancialFreedom
•  Like us on Twitter: https://twitter.com/RF_Freed

Transcript

[00:00:00] Eric: As a child during holidays and family reunions, you are amazed at how many family members that you have and how many family members have different last names. And how many have the same last name as yours? You try to piece together why this person has this name or why this person is with this person.

[00:00:19] But at the end of the day, They're all family. Now, your parents passed on certain information to you when you was a child in order to make you a better person in society. Now that we are the parents, we're supposed to do the same thing. And I find myself asking questions, how am I doing it? Is there more than I can do, will my child be better than me?

[00:00:40] So at the end of the day, do you really care about your family's name? That's the question we're going to explore today and our special guest today to Alison is with us in order to take a dive into that question. Now, Theresa is a busy mom who is the author of the book playing for keeps. She has three [00:01:00] children.

[00:01:00] And one of her key attributes that really impressed me is that she retired. Ernie, I mean very early. So she has more time to spend with our kids. We are going to find out what a family name means to her and definitely what a family name means to me also. So without further ado, let's get this started in, 

[00:01:22] Host daughter: come on, dad, stop playing around and play the music 

 [00:01:32] Introducer: Have you ever wondered why some people seem to have it all financially do well off parents simply hand their children money or is there more to this welfare? Welcome to raising financial freedom. The park. We are here to talk about everything you never knew to teach your children when it comes to starting their financial future, the principles behind wealth and methods that are out there to teach your child about personal financial freedom.

[00:01:55] There was no real trick to earning other than money. We are here to [00:02:00] discuss, teach and grow with you. Raising financial freedom, the podcast with your host and concern parents, Eric yard. Let us get right into today's show.

[00:02:15] Eric: Welcome everyone. To another episode of reason, financial freedom. I would like to welcome to Risa. Alison

[00:02:29] Therese: Thank you, Eric. 

[00:02:31] Eric: Teresa, how are you doing today? Welcome.

[00:02:38] Glad you could join us today. I wanted to talk to you today about Emily. How do you feel about family with everything that's going on right now in the world? We are basically out of touch with family, but we're even closer to like our immediate family. How important is family? 

[00:02:57] Therese: Oh, gosh, it, for me, it's [00:03:00] everything.

[00:03:00] I was a career woman for many years and I did well. I sold my company and then after about 20 years, I decided to retire and stay home with my kids. And the biggest thing that happened to me was a brush with nine 11, that kind of, that circumstance made me reevaluate everything that I was doing and why I was doing it.

[00:03:20] And what do you, money's great. But if you don't, um, focusing on your family, you're losing. Really, I 

[00:03:28] Eric: believe what's going on right now. I think in some ways that family has gotten a lot closer, but for the other parts of our family or on, so maybe cousins be lost, lost touch with that. And I hope this is we will get over this 

[00:03:43] Therese: real soon.

[00:03:44] I, I, I, I hope so too. I think that our nuclear families have gotten closer. You're right. And because of distancing and whatnot, it's been unfortunate. 

[00:03:54] Eric: Let's talk about the family name. How important is your family name to you? N and [00:04:00] it had, in your opinion, how can you pass that torch on to the next generation?

[00:04:06] Therese: Great question. Great question. Family is everything to me, and I'll tell you what I, I was trained by the best cause my father was all about family and I just, I learned from him and yeah. I brought those values into raising my own kids and just teaching them how to make sure the, hopefully they make right decisions.

[00:04:27] And the biggest thing for me with my family was I wanted to make sure that my example. Was something they could follow now. Everyone's not perfect, but I really did try to just give a good example so they could have kind of a, like you said, they have a torch this carry off know, handed off to them and they can run with it.

[00:04:46] So 

[00:04:46] Eric: yeah, a little bit of a family heritage there. Can you go into it a little bit? You have a lot of important people within your 

[00:04:53] Therese: family and I, and I really didn't. Um, because my dad was like a carpet salesman and we grew up very humbly. [00:05:00] And so anything that I wanted to get, I had to pay for that fact in 1992, my dad did, uh, some heritage work to find out who was our heritage.

[00:05:09] And we found out that we were connected to my great grandparents, came over in the gold rush. My great, my grandfather raised against William Mulholland. Uh, a big civil engineer out here because he brought water into California. My great, great grandparents were business partners and related to, gosh, it's just on and on governor of California that stood next to Abraham Lincoln, literally at the first Republican national convention.

[00:05:33] Yeah. Print really cool. And, um, they were big. And I didn't know all this until I started to do the research after my dad died and I just was following the clues. Cause it's, it wasn't even, you didn't have to do 23. And me, I just had to follow. There was just things written up on them that I could look on the internet, which my dad could.

[00:05:54] Look up. So yeah, there was some Churchill from Winston Churchill on that side, over [00:06:00] from England. And so I just always wondered, I was this woman that was always so driven and a woman in a man's world. Eric, you can imagine this. Me in the nineties and an insurance brokerage, and it was all men. And we were quite tied to Lloyd's of London, which for 300 years did not allow women on the underwriting floor.

[00:06:21] So it was really interesting, just I was the diversity that was brought into I'm really the business at that time. And when I did the heritage work, I looked back and I thought, okay, now it makes sense. Okay. I. It just made sense why maybe I was so driven and why I was, I was a PE major in college, Eric, so I wasn't really trained to do it, but I, I liked sales and I liked to compete.

[00:06:45] And so you throw me in a men's world, male's world, and I was a woman who could, could compete. And that in that day and age, it, what 

[00:06:52] Eric: would you say is the biggest challenge? 

[00:06:55] Therese: Well, I'll tell you. What's so funny. I was able to work with men because I really work with my sense of [00:07:00] humor. I just get people off guard and we'll joke because I do I'm ever really smart side.

[00:07:04] And then I have a side that's an airhead side that just gets until Lucille ball. I love Lucy things. Sorry, I didn't have the guys laughing and then we could do business. But my biggest challenge, Eric was some women who were threatened by me. And I had to figure out how it was like, I'm thinking to myself, gosh, we should be helping each other out more.

[00:07:23] The ones that are odd, odd women out. So I had to learn, uh, to work. There were several women and I had to really stand up for myself and put some gentle boundaries out there and just not alone. Sometimes it was like bullying and that really was my biggest challenge. I had to overcome that and time again.

[00:07:42] Oh 

[00:07:43] Eric: yeah. Um, so your kids are there for the ups and the downs. Uh, what do you think they've taken out of your journey? What they've seen and what you think that they're going to 

[00:07:56] Therese: use? I would say resilient. [00:08:00] And the, just having a mentality of I can win when we, I just live that life of when you find your passion and you go after that, that you can do it.

[00:08:09] So that same kind of had the same kind of mantra that I've handed off to my children and they've gone on and done things in their own then. Yeah, I would just say resilience and I can, and there were, there are many my son back in back in 2008, 2008, asked me to write my story because he was getting ready to go to college.

[00:08:27] And so I wrote my story and I, I, it was like 10 hours of really boring stuff on insurance. And then the last page was like lessons learned and he pinned that up on his bulletin board when he went to UCLA and then he graduated and. I mentored him in his company. And at 27, he became one of the youngest principals in a multi-billion dollar company in New York.

[00:08:51] And Eric I'm like, wow, at that point, I'm like, I got to write this book because this is going to help people. If I could, if I'm a woman and it can work for me [00:09:00] and then it can work for him. It's like, really? So those pearls, I would say in business and they apply to life too, because it has a lot to do with really just being a good person at the end of the day.

[00:09:11] That's really what it's about. Right. And so I write in the book, handed the torch off to them in regards to what we could, how they could use it for business and how they could use it for raising their own kids and going on. So 

[00:09:24] Eric: basically the fruit didn't fall far from the tree. So you have, you basically, you have two grown kids and then you have one who is a teenager now.

[00:09:35] So when they were growing up, what money lessons or teachings and finance did you. Pass on here's the deal. 

[00:09:44] Therese: So the first thing that really has been the foundation for me and money is it in my heritage that big heritage, every other generation lost, whatever they built. And so for me, it was really important if I ever was going to make a buck and do something down the line that I was going to not sell, [00:10:00] I always have had that kind of mentality with them.

[00:10:03] And when I ended up selling my company and was making the money that I did when I was working, I made them buy their car. I just, they did. Things didn't come easy, easy. I would say to them, you know what. I bought my car and I bought everything I could, and I had to work 15 and a half. And they were like, mom, that was back in the old days.

[00:10:23] I'm like, there's some lessons to be learned about having to do, having to do it growing up. I really passed on to them that things aren't handed to you and that I had to work hard for it. And then I would teach them as they got older. I would transition them into you're going to go to college and then you're going to, you're going to start to work.

[00:10:42] If they will tell you one thing that I've driven home for that with them is I say it over and over max out your 401k put as much money in your retirement vehicle as you can, because you'll have a match from your employer. And if you don't max, what you put in there, it's like throwing money out the window.[00:11:00] 

[00:11:00] They'll tell you that. If you were to ask them like, mom, I'm really throwing my eye. Yes. It's throwing money out the window. Your employer is going to match, and you've got to bring your game to the table, which is your money to get it. So 

[00:11:13] Eric: I say the same thing for that same thing you were saying just now to adults, there's adults who don't believe in a 401k due to the fact of the type of investments for one K may have within its portfolio.

[00:11:30] They may not like, cause it's usually. A small amount of stocks or bonds that you can invest in your portfolio, according to what company you work for. But that does not change. The fact that company is matching your percentage. You're putting in according to their policy as much according to their policy.

[00:11:52] Now that's money you're throwing away. And on top of that is also, I remind them the 401k could be rolled into [00:12:00] something. Yeah. Later on. You're not stuck with that. If you feel that you've left the accompany, you can roll it into something else. You could roll into IRA, another 401k, but don't just let that money go by.

[00:12:11] But there's a percentage of people who don't believe in that. 

[00:12:15] Therese: You're right. Eric, my son, it drives him crazy because he's, it's a home run with him. He is definitely putting away money. And one time he goes, mom, you don't even know how many millennials that don't even think. This, I don't want to hear about it that 

[00:12:29] Eric: they think, oh, retirement.

[00:12:30] I don't want to think about that now, but you have to set it and forget it. I just wanted something else. I like that. 

[00:12:38] Therese: So on that, yeah. Like it will take you once you start putting that money aside at first, it hurts a little bit. You're like, oh, but then 

[00:12:47] Eric: pretty soon that's what it is. Cause that's what it is.

[00:12:50] That's your new paycheck, whatever is gone. It's gone. So now it's your new paycheck and you work with that. But for a fact, that's, it's in the background [00:13:00] working, doing this thing, check on it from time to time. But once again, it's still back there taking out money, re investing in the money the is putting in money for you.

[00:13:09] Yeah. On that note, you have seven money secrets and, and these seven monies cause these secrets is to teach kids how to be better. With finance since they are not getting it in school. So I'm going to go over just a couple, just to let the parents out there, know what they could do at home that, Hey, listen, the school is not giving it to you and will not ever give it to you.

[00:13:38] And that you need to take the initiative to pass this on to your kids. One of them, which I really liked was never dip into your investment savings. Okay, let's 

[00:13:49] Therese: talk about that one. I just always felt that once I just always had this big, remember loosely the heritage with them losing their money each year over and over heritage.

[00:13:59] One of [00:14:00] my other, I always felt that if I was going to build anything, I was going to not use what I actually put in, but I would be okay. I'll use whatever the earnings are. And that's not as much when you're starting out, but it's a mentality that if you have that, and then you tell that to your kids. And you actually are building like you're building a generational thing in a mentality where in my case, I wanted to stop that whole generation has it.

[00:14:26] Next one loses it now. But by the time I hand off my estate to my children, it will be in dealt in them that unless it's a business, they do, you don't touch principal like that. That's for a rainy day. That's fine. Everything just goes into him. Well, it's not for buying the cars. It's not for all the luxuries and stuff.

[00:14:43] It just isn't. So I think if, as parents, we have to set the example for our kids. And if you live way above your means, which means many times you are dipping into quote unquote principle. It's not a good excuse for me. I don't think it's the best example for your children. So just go balance. Like you gotta teach them.

[00:14:59] You just, [00:15:00] you earn money. So enjoy. At the same time, have a bigger plan so that you have a direction that you're going in. Each of 

[00:15:08] Eric: my kids to go to on that note, I also believe that by passing on the principle from the next generation to the next termination, it's just going to get larger and larger. And that's easier for the next generation to live off of the interest that the investment is making.

[00:15:27] So that is kind of like, basically your nest egg is helping your family name to be it's better when it comes in the future, because now they know how to invest. Number one, they know how to live off the investment. And then the last one is that the family name alone. It's getting better. 

[00:15:49] Therese: Yes. I'll tell in our family, my dad taught me.

[00:15:52] I don't know why it was just, he taught me, you buy property and not a bunch of you just buy a house, you buy a piece of property. And [00:16:00] that was instilled in me early on. And in fact, I grew up in a wealthy community, but again, we were humble with my dad being a carpet salesman and he had back in, I don't even know when that was when he bought the home, but he had $6,000 left from that business state that had gone.

[00:16:16] From his parents because Spirit's died by the time it was 12. He took that 6,000 and bought our home. And that home ended up going up to 700,000 and was his retirement in the end of his life, he would not have had that retirement. Had he not taken that money, all the money he had and put it brilliant a property.

[00:16:33] How about 

[00:16:34] Eric: that? How about that? You know what, 

[00:16:36] Therese: that's what we need to teach our kids. 

[00:16:38] Eric: And that's what our kids should be teaching to their kids and so on and so on until it becomes second nature. 

[00:16:45] Therese: It's generational. Yeah. It's generational this stuff as far as what, how you teach them and what values in my mind should be taught.

[00:16:53] And you know what Eric, the thing is when you teach these things, it's protecting your family, your offspring. Even [00:17:00] ancillary my niece, my nephews and whatnot. I've always been able to help when it's been needed because I've made those decisions that my dad taught me. 

[00:17:07] Eric: And I think it's a little bit of a lost art.

[00:17:09] I think it's just something I spent a forgotten it's just lost. I don't see it anymore. Let's put it like that. I already don't see them well. So another one, another point, another money secret that you have. Yeah. Never ever live above your means that 

[00:17:26] Therese: the biggest thing on that, it's funny. Cause your kids would say, oh my gosh, but they have this great cars and they live in these huge houses and I would say, but they also owe other people, a lot of money.

[00:17:39] A bank is loaning them that money for that. And. But I think the basic lesson that you teach your children in that particular secret, I should say is that if you get a credit card, which I'm a proponent of children, getting that at some point, maybe 17, 18, and working with them, but they are to pay it off monthly.

[00:17:57] You never carry a balance. [00:18:00] I, the only thing that my children in, what I've taught them to do is pick wisely. So if you're going to start to get a credit card to build credit, which is that's one of the reasons why I tell them to get a credit card is that find the card that has the rewards that you want.

[00:18:14] Whether it's airline miles or it's something for groceries or whatever it is, just make sure you pick wisely, but never carry a balance even. Oh, it's so funny, Eric. So when I sold the company, I got out three years later to retire and take care of my kids. Yeah. For my young one, I was room mom for six years and they had no idea what I did.

[00:18:36] And until I wrote the book really recently, they were like, had no idea what you did. And I'm like, it just really wasn't that big of a deal. I just never. I just don't live flashy. I don't, because that's not where my, 

[00:18:51] Eric: all my values are. And on that note now, do your kids understand fully what you've done?

[00:18:59] You've [00:19:00] pretty much made yourself financially free by the age of 38. And have they grasped the concept? 

[00:19:07] Therese: So I think they hear that from other people, but you gotta realize that we only know what we can. And I had to explain to my kids, I go this early on when I had a home that I was dealing with the business and whatnot, I got this.

[00:19:22] This is not, I would say. This is not normal. You guys are not living a normal life right now. And so I think they've really didn't know all the bits and pieces in terms of what I had done until I wrote the book, to be honest with you. And then I think became a gift to them, but what's hilarious. My son read it cause he was all over it because of the 16 principles.

[00:19:42] But my girls like here and there they've read this. And if they were in one chapter, they read that chapter and it's just funny. That's what they know. And I've instilled in them that you do find your passion, do it well, and hopefully you are successful, but your family is the most important. And so it's, hopefully that's what they're carrying.

[00:19:59] You want your 

[00:19:59] Eric: [00:20:00] kids to follow in your footsteps in that entrepreneurial way. It 

[00:20:03] Therese: makes them happy for sure. We come from it like a long line of entrepreneur pioneered because when my great-grandparents came over the planes, they didn't actually dig for gold. They actually sold supplies to the money. So they were entrepreneurs.

[00:20:18] And so I think it's in our blood. I, you know, I know for Michael. Yeah. I just, there, at some point we want to get our hands into the dirt and see what we can do for a 

[00:20:28] Eric: business here. One thing I always like to ask, I haven't asked this in other words, What action steps. Can you tell the parents out there that they could give to their children's right now in order to get them more ready when it comes to money, 

[00:20:41] Therese: there's always the setting them up with allowance.

[00:20:44] Um, I'm going to be honest with you. I wasn't all that great about that because one of my older kids were that age. I was traveling a lot and whatnot, but I think allowance is a good lesson having stuff to do around the house. I think that you just don't give them everything. And I have to tell you, Eric, what's [00:21:00] interesting is.

[00:21:01] All three of my kids and I don't want to use the word from gold, but they're all very thrifty. And they are just because of whatever that was growing up, they just have, they learn to be with their own money, really manage it well. So I would, the action steps would be watch how you watch the example you give them.

[00:21:20] If you give them an example that, that you would want them to have, and then you would want them to be when they get older. Work on an allowance system with them. Don't give them everything. And I would highly recommend that you, if they're going to buy a car that they need to have some skin in the game and then get them when they're starting to buy, once they have a car and they're going to 18 and they're, hopefully they're going to go onto college.

[00:21:41] Then you start with a credit card. You teach them that lesson about not living them. You mean, 

[00:21:48] Eric: let's talk a little bit about your book playing for keeps, let the parents know exactly where did it start it from and why did 

[00:21:57] Therese: you start this book? I let's see where I started. Yeah, [00:22:00] she come back to the origin.

[00:22:01] I was a girl on the playground that loved to play sports and always wanted to beat the boys. And I figured if I could beat the boys, then I was a winner. And so I played a lot. Um, throughout high school. And then I took that same mentality into business as a woman and competing, and it was always, yeah.

[00:22:20] Men. It was as long as again, the boys, me, I built a book of business I bought from scratch and then was in the business for about 15 or no 14 years or so, and then sold to a large company, the second largest broker in the world. An and then in 2001 had kind of close brush with nine 11 and it made me reprioritize what my, my, what needed to happen with my kids.

[00:22:45] And then I retired three years later. So I retired in 2000. And I also took care of my dad and my dad had done some parallel research with my heritage. And then when my dad. Right before he passed away. I promised I [00:23:00] would write the book on the Ellisons, which is the heritage piece. And then also I worked in my story because it's, there's this heritage.

[00:23:07] And then here comes the woman, right? No, no one expects the woman to come along. She's here at some point. And it was just about breaking the glass ceiling and just being in a big pond. That was not really familiar for me, but it was because I could come here. It didn't matter if I was a woman or not. I could, it was good.

[00:23:24] So that's the generally playing for keeps how a 21st century business woman, 

[00:23:29] Eric: what is the best thing that has happened to you since you started? 

[00:23:32] Therese: Since I started my journey, the whole journey 

[00:23:35] Eric: it's 

[00:23:35] Therese: okay. Oh God, I'm a mom. So it's my right. Gosh, I will have to say that my dad was a peach and I was able to walk with him the last 17 years.

[00:23:47] Of his life. And it was just an honor for me in those last years to take care of him. And that just really shaped a lot of really what I put in the book. Well, it just, for me, Eric has it's family. It's just, [00:24:00] it's you take, I take care of my kids. You take care of your elders. It's a lot, like you said, it's a lost art, but that's really what matters.

[00:24:07] That's good. 

[00:24:08] Eric: Theresa, what is the best piece of advice you could give a parents? Best 

[00:24:13] Therese: piece of advice. Okay. So I don't just want to tell you what I did with my kids. I always felt that for college, my children didn't have a choice, so it, but it didn't matter how they got their undergraduate degree. It really didn't matter to me.

[00:24:25] It could be a junior college. You could be a four year college. But they had to get their degree and whether the, my daughter or my son, same thing. But if they went on after that, it was on their dime. And one of them was that she she's a doctorate in occupational therapy. She's got a significant depth.

[00:24:41] You know what that was, that's the deal going in again, I feel children need to have some skin in the game and so whatever you're doing and whatever part of their life, figure that out, whether it's they buy their car, maybe you match a little bit, it's a big job working and getting your kids through and not through college.

[00:24:58] I'll tell you, I call it, [00:25:00] getting them to and through. Cause it's just, and I always say I have two that are two and three. I have one left, but, and then it just goes back to. Watch your example, watch the example that you're providing, even the things that you don't think. 

[00:25:12] Eric: Let's see. I try to tell my wife that you don't think she saw that, but she's somewhere around here.

[00:25:18] Trust me. She saw, 

[00:25:21] Therese: oh yeah. 

[00:25:22] Eric: Theresa. I want to thank you for coming on the show and sharing with us. Parents out there, know what you got going on? What's the next project. And how can we get in contact with you in order to continue 

[00:25:35] Therese: this company? I am. So I have a website. It's Teresa, alison.com. And that's T H E R E S E I C E for empowerment.

[00:25:45] alison.com. And there's a lot of stuff on there. It was funny because some woman said it's almost like you've written a second book on your website. And I guess I have, but as far as my projects, I, I'm starting to think about maybe doing a second book, trying it that's a [00:26:00] jelling. And I would like to ultimately do some mentoring of people in business.

[00:26:05] So that's my way to give back. I'm still figuring that out, but you can get to my, all of my contact information is on there. Yeah. All right. 

[00:26:11] Eric: So once again, Teresa, thank you for coming on the show. And we definitely love having you as a guest. 

[00:26:19] Therese: Thank you Eric, for having me. I appreciate it. 

[00:26:23] Eric: That was a fun conversation that I had with Teresa.

[00:26:26] Now, for me, your family name is something that each generation, so look to build upon as time goes by me. Each generation should be compounding knowledge on the next generation. This is one positive way to contribute to your family name. This is why we stress financial literacy for being part of your child's foundation.

[00:26:49] No matter what they want to be in life, they'll have a strong financial backup. Then they're going to build on that and then guess what they're going to pass it on to their kids [00:27:00] and then so on and so on. So don't worry if you don't have assets, money, material, things to give to your kids. One thing that you can give to them, which is knowledge.

[00:27:12] And that is absolutely. So as always, if you're a first time listener, please subscribe. If you are not a first time listener and you already subscribe, tell a friend, tell another parent, tell another guardian, let her know about this show and share until next show stay safe. 

[00:27:35] Introducer: We really hope you enjoyed this episode of financial freedom.

[00:27:39] The podcast stay connected with us directly through raising money. Freedom.com. You can also join the discussion on social media, which you can also find links on our website. If you would like to speak with us, please send us an email to info@raisingfinancialfreedom.com and as always thank you for pushing your mindset towards a better reality.

[00:27:59] [00:28:00] This concludes the most thought provoking portion of your day. Don't forget to please like, and subscribe to stay fully up to date until next time. Be kind to yourself and each other.