Think Like a CFO: The Money Mindset That Changes Everything

[0:00]I have promoted myself to CFO. No, I did not get a pay raise, but I did raise my awareness about my entire financial picture. And maybe one day, long-term, that equates to something like a pay raise, I hope. One of my friends who's a very dynamic speaker, made this comment years ago that each of us is a multi-million dollar business. Over the course of our careers, we will make and spend multiple millions of dollars. And therefore, my thinking is, most multi-million dollar businesses have a CFO. Why don't I? In this video, I'm going to break down all of the information that I gather and look at as if I were a CFO to have more awareness and be more strategic about my overall financial picture. My name is Libria Jones. I am an almost 50-year-old woman who is intent on living this one and only life to the fullest. On this here channel, I share the things that I'm trying, where I stumble, where I triumph, in the hopes that it helps you live your one and only life to the fullest as well. So let's get into the nitty-gritty of my CFO days. I do a CFO day at the end of every month, and I'm going to tell you what that entails, but first, I want to talk a little bit about what a CFO does and why I started doing this. Why I started doing a CFO day and looking at my finances as a CFO. Over the last couple of years, I've done a much better job of paying attention to my finances. But I think the way that we typically look at our finances on a day-to-day, weekly, month-to-month basis is much more like an accountant would, which is looking at budgets, which is just looking at what was spent. We're just looking at basically debits and credits, what came in and what was spent. A CFO is going to look at the entire financial picture. They're building stories about historical performance and truly understanding historical performance, and then strategizing future behavior based on that historical performance. They're looking at not just debits and credits, and debit by debits and credits, I mean money coming in, money going out. They're also looking at things like debt leverage. A CFO is also going to look at an investment portfolio, cash flow, and risks to cash flow as well. I think this is the next level when it comes to the big picture of thinking about my overall financial wellness, thinking about my long-term financial goals, and what my rich life could look like. I feel like I'm pretty far from it, but I at least want to have my eyes on the road. And I love the concept of my rich life. I didn't come up with that, that is actually from Ramiet Sethi, who is an amazing, brilliant financial mind. He wrote the book, "I Will Teach You to Be Rich." If you think about the way an organization is structured, the following departments report up through the CFO. You've got the accounting team, and the accounting team are looking at general ledgers. They're looking at again, debits and credits, the finance team. The finance team is really looking at things like investments, debt to income ratios, leverage, stuff like that. And then your treasury department is actually looking at cash management and cash flow. How was your cash actually performing? And then the CFO is sitting above all of that and synthesizing all of that information and understanding what it tells you about the organization's financial health and what strategies the organization should be leaning towards or leaning out of in the future. And that's what I started doing for myself. So I'm going to walk you through how I do my CFO day. Today is actually my CFO day, so I'm going to walk you through what I'm going to do with my CFO day. And I'll create a little one-pager so that you can do this as well. So you don't have to jot down notes, you could just kind of lock in and let's go through this. Now, this is only the third month, I just started doing this this year and I think I love it. I literally built an entire Notion page just for this. Y'all y'all know me and Notion go together real bad. That's Notion and my girl. Now, Claud is trying to take over. I know a lot of people are building dashboards in Claud. I actually think there's a scenario in which Claud and Notion come together to make the best of both worlds. All right, anyway, here's my whole Notion page. What I do, what I start with is called a monthly close, so month-end close, is what it really is called. And this page has dashboards, it has a checklist of things I'm supposed to do, and then I put historical data all in one place here as well. We're going to talk through each section of this month in close that feeds into my CFO summary. Now, of course, in a real company, the CFO does not do month-end close activities. The accounting team does it, the treasury team does it, the finance team does it. But I don't have a team, I am the team. I am the accounting department, the treasury department, I am the finance department. I'm doing the month and close. And so, these are my monthly close activities. The first is, I'm going to reconcile my budgeting app. If you've been around for a while, you've heard me mention the budgeting app that I love. I've been using it for years, it's called "You Need a Budget," also called YNAB. Now, I won't front, YNAB it takes time to learn and a lot of people kind of lose patience with it. I don't care what budgeting app you use, just use a budgeting app. Make sure that you are aware of where your money is going every month. I personally love YNAB. It has worked very well for me. I will link a video below that I watched. Because there was one point where I was thinking about changing my budgeting app. I was like, maybe I should try something different. I've been using YNAB for like, I don't know, five or six years now. Maybe I should switch it up. I watched this video where this guy actually ranked all of the budgeting apps. And it turned out YNAB was one of the top apps that he ranked. It was in line with I think Monarch Money was another one that he really liked. And so I was like, well, there's no point in me changing if my app is one of the top ranked apps. If it ain't broke, right? That's it, I will put a link to YNAB below in the description box. I'll also put it in the one pager, but I'll also put this video there as well. So that you can check out other apps that might be a better fit for you. Anyway, so YNAB connects to all of my bank accounts and it pulls in my transactions. And so on a day-to-day basis, it's directionally correct, but sometimes it can get out of sync. And so at the end of the week, I always reconcile, but for my end of the month reporting, today it doesn't fall on the end of the week, so I need to go and reconcile all these accounts. Because what I want to do is make sure all of my data is accurate. And so I'm going to go through YNAB and reconcile all of my savings accounts, my checking account, and then all of my credit cards accounts because that's what's in YNAB. Second thing I'm going to do for month and close is update my debt list. So, I've showed you guys this before. I have a debt list in Notion that is just my revolving accounts. It's just my credit card accounts listed out with the statement balance, the current balance, um, the interest. And this table calculates my estimated interest charge for the month, my estimated monthly interest. And then it also has a space where it tells me how much I need to pay down to get to the next tier. Now, the tiers come into play when I'm trying to pay my cards down to impact my credit score. I did a whole video about this, so I'm not going to go into detail about this right now, but I will put that video in the description box as well. If you want to learn more about how your utilization tiers impact your credit scores. At any rate, I go ahead and update that table as well. My balances on my credit cards is in YNAB, this table is doing a little bit more work, right? It's looking at what card is the most expensive for me based on the interest rate and things like that. So I do want to update it in both both places. So the third thing that I have to do that's pretty manual is updating just one number in my relay snapshot in my SoFi bank account. I really like banking with SoFi, I've been banking with them for a while now, and they have this high yield savings account. I will put a link to SoFi in the description box. If you sign up using my link, I think you get $25 minimum, but if you meet certain requirements like doing direct deposit, I think you can get up to $300 deposited into your account as well, just for signing up for SoFi. So I will put them in the description box and in the out. They have this feature called Relay that it basically does a snapshot of all of your accounts if you choose to connect them. I have all mine connected, but there is one that it doesn't automatically pull the data from, and that is my student loan. So in my month and close, I do have to manually go in and update that one number. But once I check all these boxes, my month and close activities are done. And now it's time to move on to building the CFO report. All right, so here's what goes into the reporting, and I want to think of this as, if I'm a CFO of an organization, I'm going to have to go into a meeting with the CEO and the Board of Directors. The C-suite and the Board of Directors and present on the entire financial picture of the organization. I'm going to have to do that monthly, and then I'm probably going to have to do shareholder meetings as well. So there's information that I need to paint that picture and tell that story of our historical performance and talk through what we should do next. So these are the elements that I'm pulling together in my CFO report. Earnings, obviously, right? The first thing that any CFO, CEO, COO, Board of Directors is going to know want to know about is our earnings. How much money did we earn from our regular business? In my case, my regular business is my W2 job. How much did I earn from other places as well? Am I getting money from my side businesses? Have I been getting interest income, those kind of things? You want to see is income up or down month to month? Is anything disappearing? Is anything going away? What's happening with your income? Now, for most people who are salaried employees, your income doesn't really fluctuate unless you're getting bonuses. But in my case, I also run businesses that I sometimes pay myself through as well. So sometimes my earnings will fluctuate month to month. Now, the next part of this reporting is expenditures. So basically I'm building out a a P&L, an income statement, right? Any business is going to be looking at their income statement month to month, rolling 12 months, quarter over quarter, year over year, things like that. We want to know what are our expenses and how are our expenses expanding or contracting. Have we reduced expenses somewhere? Have expenses increased? What expenses are the highest percentage of our revenue? Right? So those are the things that I want to look at when it comes to expenditures as a CFO. The very key things that I'm going to be looking at here is my top 10 spending categories. I want to see what my top 10 spending categories are month over month because it's going to tell me a story, right? So for instance, in January, I had a break out month, there was an outlier, I paid tuition. That's not something that I'm going to see in February, March, April, or May. I'm not going to see that again until next semester. In March, my highest spin category is likely going to be travel because I took a big trip this month. And so those are the kind of things that I want to see when I'm looking at my expenses over time, I want to see what are the trends. I think last month in February was a pretty straightforward month. I, my biggest spending category was groceries because y'all know groceries are expensive. Now, here's the thing that I also look at that hits, that hits hard. I look at average monthly spend as well and average daily spend. This is information that you need a budget gives me on its own. And this is a good marker, that's a good data point because it can give you insight into how much it truly costs to run your life. On average, how much am I spending? And if that number starts to go up, you can see that maybe I need to rain in the spending, maybe this was an outlier month that threw my average off. These are the stories that the data will tell. But when I look at my average daily spin, it's not a number we typically look at, and I think it's very eye opening. It's eye-opening to say, dang, do I really spend $150 a day on average? That's wild, I need to pull that together. And so I like looking at that number, and because it's a a data point that's easily and readily available to me using the YNAB app. The next big of data that is going into my CFO stack is the debt list, of course. Specifically for me right now, credit card debt. But as a CFO, when you're looking at debt, you're, you want to understand, what is our commitment to debt servicing? What do we have to pay to cover debts every month? But not only that, what are we having to pay to cover interest? How much money are we losing every month donating to banks, donating interest payments to banks? Because of the way my debt list is is set up, I can see how much do I need to pay to get to the next milestone with paying down my credit cards as well. Now, the next and very important thing for me to look at as a CFO that I would not have been looking if I wasn't thinking about this as a CFO is net worth. And a lot of people skip this. A lot of people are really just looking at their budget, did they go over budget, did they go under budget? Do they have enough to cover their bills? Net worth is another marker of financial health. It's a big marker of financial health actually. It tells you what your assets minus your liabilities equals to. Essentially, what this means is if everybody that you owe showed up to your house today and said, run me my coins, would you be able to based on the assets you have, pay them all? Or would you get your knees broken? And that's typically what happens when people go bankrupt, right? When you hear about people filing bankruptcy, it's not because they're broke, it's not because they don't have cash. It's because they're overleveraged. Overleveraged means that your liabilities are more than your assets. That means that you're overleveraged. So ideally, your net worth is a positive number. Ideally, it's a it's positive by a lot. But essentially, it's saying that your liabilities is money that you owe, the IRS, it's money that you owe your mama. It's money that you owe Department of Education. Sally Mae, do people still pay Sally Mae? Is that still a thing? Money that you owe for your mortgage, your car, your credit cards. And then your assets are going to be cash, investments, your 401K. But it will also be the current value of your property, the current value of your vehicle, and things like that. And so typically when people are filing bankruptcy, the value of their assets is just a lot lower than the value of their liabilities. Like if if all their debtors showed up, they might get their knees broken. My personal network is, I mean, it ain't great. It definitely isn't like wildly wonderful. I'm just happy that it's positive. I'm just happy that it's a positive number. Ideally, you want to get to the point where if your debtors showed up and you had to pay them all off, you would still have quite a bit left over. That is where you want to get to, that is where I hope to get to. Right now, I could pay them off, but then I don't, I don't know, I ain't doing much after that. And then the last bit of information that I am putting into my CFO deck is my FICO score. is my credit score. And so this right here is important information because as a CFO, you want to know what your opportunities for leverage are. There's a whole lot of credit scoring agencies out there. I personally like to use my FICO because they are the people that created the FICO score. It's the Fair Isaac Corporation, they created the FICO scores and they have this tool called my FICO. And they will give you your scores for all three bureaus and then they'll update you as your scores change. Now, it's $21.99 a month. Personally think it's worth it, especially if you're in credit building phase. I'm thinking like a CFO, I'm looking at this number because this number helps me take advantage of opportunities for leverage. Leverage is the non-negative way to say debt. Debt is not a bad thing. Debt is a bad thing if it is costing you more than your assets are earning you, if that makes sense. So if you have debt with interest rates of 28%, that's not great. Let's say you have a car loan that is 1%, but your bank account is earning you 4%, that is leverage. So rather than take that 20,000, $30,000 out of the bank that's earning you 4% and putting it on a car, you leave that there and you get the car for 1%. That is called leverage. And so, if I'm thinking like a CFO, I'm looking at my credit score because my credit score represents my ability to take advantage of leverage. So right now, my daughter needs a car. We my daughter, with my daughter, that I went down to one car because her car is is messed up and not fixable. It's not worth fixing. And I don't really want to get a new car right now because my credit score is not in a place where I believe I would be able to take advantage of leverage. Ideally for me, my credit score is such that I'm going to get a 0% financing. That's the ideal situation, or at least something under 3%. And so that is the that's the, that's the thought that I'm having right now. That is the strategic move that I'm making right now in tracking my credit score. So, that's why the credit score is part of my CFO review. Now, this part I don't do monthly, this is a quarterly thing. I am also going to download my statements from my 401K account. My 401K is a retirement account, right? So I don't necessarily need to look at that on a monthly basis. It's supposed to be a passive account. It is supposed to be a passively managed account. I don't want to be logging into there every day. I don't want to normalize looking at this money as money I have. It's money I shouldn't touch for the next 15 years. But you keep my eye on how it's performing and it's not an account that you're day trading in, right? And so because this is the end of a quarter, I am going to download that as well and include it in my CFO review, but I don't do that monthly. So those are the things that make up the CFO and that would go into my CFO deck. Let's talk about the next thing I'm going to do in my CFO review. All right, so now we have all this data. The CFO has all of this data to review, to read, to ingest, to understand, to to build a storyline and to think strategically about what's next. I have created a project in Claud to help me with this, to help me synthesize this data and basically build out a summary. I want to act as if I am going to go into a meeting with the CEO and the Board of Directors, and then leave that meeting and have to go hold, hold a shareholder call. And talk about the health of this multi-million dollar organization that I am running. So basically I'm going to take all that information, I'm going to drop it in a cloud. And we have a bit of a back and forth, so Claud kind of summarizes the details and then I add more color. So if Claud notices that there's a weird trend in spending, I'm going to say, well, here's what happened. I'll give you an example. The last time I did this, or earlier this year when I did this, my spending in January was quite high in certain categories that are not typical for me. It's because I front-loaded some expenses. I decided in January to pay for some expenses for the entire year. So those expenses actually won't show up going forward throughout the year, but Claud would not have known that just looking at the numbers. And so we're going back and forth, kind of talking through the trends and what happened and and adding color and detail to those so that we can build out what this story is for the historical performance and then think through strategic strategically what should be the focus for the next month or the next quarter. And so when it's done, it should read like a financial summary that I would deliver to a CEO or to a shareholder meeting on a shareholder call. In fact, I'm actually going to read you my summary for this month. I'm going to let y'all in my business. I'm going to put this in the cloud and then I'm going to read you my summary for the month. I took a lot of stuff out of this because I am pretty transparent, but I ain't sharing all my business, okay? Let's go through my CFO deck. So, again, this is a report as if I were a CFO delivering a report to the CEO, Board of Directors or shareholders. So we're going to start out with an executive summary, just kind of giving you the headlines of what we're going to talk about. March marked the end of dual income stability and a spike in spending. Despite this credit card, debt dropped by 16.4% month over month and credit scores improved across all three bureaus. My income number was right here, but it's down $1,100 from February and then it showed the prior month. I redacted some of this stuff and some of the stuff I just Xed out, but basically it shows all the sources of income that I have. So starting with my job, my day job, um, I get paid semi-monthly. I had um, another source of income as well. This is my last payout from that, and then, um, interest and dividend income as well. So I earn interest on my high yield savings accounts. I have two high yield savings accounts that I earn interest on. I also have a very small investment account and I get dividends on that account as well. What's not included here is dividends that I get in my 401K account, which is totally fine because I'm not, I didn't necessarily include that in here. And this reconciliation adjustment was just in YNAB sometimes if my numbers don't match, I will just do a reconciliation because I can't figure out why. Um, so I made a correction on there, so it's not a real cash outflow. It was just a, basically an accounting reconciliation. Um, 28.3% of my net income was applied to personal debt pay down, which is pretty incredible. It's almost 30% of my income going to debt pay down, which is impressive. Now, let's go into expenses. Total spending was $14,705, which exceeded income this month. So that means I spent more than I made in March. I did not go into debt to cover that. The gap was covered by an existing cash buffer, I already had cash to cover that overage. These are my top 10 spending categories. Here, the story is that I spent a lot of money on business expenses. So you can see here my number one expense was Libria Jones, LLC. I paid for reimbursable expenses for my India trip. I went to India as a facilitator and covered some expenses that are reimbursable. Um, this travel expense was really, uh, personal. So these are the personal expenses that were not business related during that India trip. And then for my real estate company, I actually covered inspections for a property that I am looking to invest in. Unfortunately, this business did not have any cash reserves and so I had to personally cover the cost of potentially investing in a duplex that I was looking at. Uh, dining and drinking was a really high expense. I don't usually spend this much money on dining and drinking, but I did travel. So I went to India and I also went to New York. So and you know, y'all know New York is expensive. So, um, Claud put together this deck. I just gave it the information and told it what I wanted it to do, and it put together this deck. I would not have put these categories together. Utilities, personal care, and maintenance. It summarized those categories together, but utilities and personal care have nothing to do with each other, right? So nor does maintenance and what do you mean by maintenance because there's two maintenance accounts. I have a home maintenance and a car maintenance account, so I would not have put those accounts together. I wouldn't have done that. And I would want to see utilities broken out by itself because I want to see the trend of my utilities over time. So in the future I will tell Claud not to combine those, but the story that I would tell the the board or the CEO is that this month we outspent our income, but we did have cash reserves to cover that in sinking funds elsewhere. So we just redirected funds that we had assigned to different categories. And the bulk of that spending was on covering business expenses that are reimbursable. All right, then let's go to debt. So we made quite a bit of progress on paying down debt, not the same pace of progress that we've made in past months, but we still did make quite a bit of progress. So personal debt balance at the end of March is $19,000, almost $20,000. In February, we paid down $3,900 in debt, and year to date, we've paid down almost $17,000 in debt since January 1st, which is pretty freaking incredible. Now, in January and February, we paid down a lot more debt, but as a reminder, our income decreased by $1,100 and we redirected a lot of our funds to cover business expenses. So we would have paid down, I think on average, we've paid down about, uh, $5,000 in debt, $5, $6,000 in debt per month, January and February. And so this is significantly lower than what we've done before. And then this is a listing of where the credit card debts are. Um, all of them are crossing thresholds at their statement date. They're a little bit higher here because it's an end of the month, and they tend to be lower when they get closer to their statement date. And then let's move on to our opportunities for leverage, which is credit score. So our credit scores are up across every score against last month and against January. At the end of March, our Equifax score was up 4 points, TransUnion score up 18 points and Experian score up 10 points. We are still trending towards our target of a 750 across all three bureaus by the end of 2026. We pulled a new report on March 26. The subscription that I have with my FICO allows me to get one free credit report every quarter. And it gives me my updated scores. Um, and I like it because it gives me multiple scores so I can see mortgage score, I can see the, the car loan score. So if I wanted to get a mortgage, I can see the score that a mortgage company would show, would be pulling. And I have proven that to be true because when I uh, applied for a mortgage to get my house in Tulsa, the number that showed up on their documents was exactly the number that was in the my FICO mortgage score. They also give you your score for car loans and credit cards, so you can see what credit card companies are looking at and car loan companies are looking at as well. Actually, there's a lot of different scores. Um, I just want to call out as well that Delta, the Delta Amex Platinum, um, credit limit increase was denied. You may or may not know this, but last year I lost 100 points on my credit score between September and November. 80 points was lost because an old medical bill got put on my credit score as a collection. That got taken care of and taken off the next month, but I didn't earn the same amount of points back that I lost. And then a late payment for a business loan got posted to my personal credit and I lost another 20 points because of that. Um, it's a PayPal, it was a PayPal business loan. I didn't realize that it was a personal guarantee and it would be reported on my personal credit. Anyway, as a result of losing that 100 points, American Express reduced the credit limit on one of my cards by a significant amount. And since then, I've paid, I've, since then, that collection got taken off, and I've paid, I've been steadily paying down my debts. And so I went and asked American Express for another credit limit increase to put my credit limit back to where it was. Um, but they denied me. So, we'll check into that, I'll check into that again later on. Um, and then this is just a call out of what our next goals are. And that is that, um, two credit cards should go below 30% utilization in April, which is expected to drive credit score improvement. All right, let's move on to Net worth. Net worth ended at $11,194 in March. That's down $7,340 from February. I did mention that my net worth was really low, I'm just happy that it's positive. Well, you'll see on the balance sheet components, this was numbers, this was actually numbers before. I took the numbers out and just put positive, negative. So the things that are positive are my assets, right? So those, those have a positive impact on my net worth. These are either cash or things that I could sell and trade for cash, basically. And then the things that are negative are liabilities, loans, credit cards, money that I owe people. And so if you add up all of the ones in the positive and subtract the ones in the negative, you get $11,194. So that's what's left over after I pay off all of my debts. If I cash in all my assets and paid off all my debts, I'd have $11,000 left over. So notice that net worth went down $7,300 from February. The reason that that happened, even though I paid my credit cards down, I paid my credit cards down in March, which means my net worth should have gone up. However, the value of the home I owned went down by about $6,000. So that impacted my net worth negatively. Now, this is non-cash, it's not realized, it's not real money. It is just perceived value at this time. It could go up later, who knows. So it says the balance sheet is leveraged but controlled. What that means is that it's highly leveraged, there's a lot of debt here. It means there's a lot of debt here, but it's controlled in that it is positive. It is still in a positive position. Now, you want to have far more positive position, right? You want that number to be very, very positive. Like I have friends who their net worth is in the millions. That's where I would like to be, I'm very far from that right now. And then the last bullet just calls out that the student loan, the student loan balance reflects quite a bit of accrued interest above the principal balance. And so this is the thing that most people complain about with student loans, you pay your student loan down and somehow you still owe more than you owed in the first place. It's because a lot of times the payments that we're making isn't hitting the interest plus the principal, and that's what's happening to me. And so I've been saying that the student loans can go to the grave with me, but looking at this strategically, I am giving away interest to the federal government and I'm never going to whittle down the, the principal balance of my student loans. I will just continue to be pushing money into that system so that I don't default on my student loans. And so I have added it to my priorities to go ahead and pay off my student loan after I meet some other goals. So you see here it says phase four priority beginning 2027, um, is to pay down my student loans. That is my net worth snapshot, and then this kind of ties it all together and tells the story of March performance. January and February were highly debt focused months, while performance in March showed challenges to maintain momentum in the midst of two significant transitions in income and operations. An additional income stream ended this month. Based on this, I expect the debt pay down pace to become slow but remain steady month over month. Meaning, I'm going to slow down my debt payments, but I'm still going to be paying debt debt down steadily, right? I'm very disciplined about this and have been very disciplined about this. I spent the better part of the month covering business expenses, which accounts for the majority of top line spending and represents reimbursable funds. That just lets the board know that, you know, the most of the month was spent covering business expenses and that's where most of our spending came from, but that also represents money that we would get back. Provided those businesses make some money, right? If those businesses can make some money, then those businesses can pay me back. The Buy Day system that has controlled spending in January and February did not hold in March. Personal purchases made in India were opportunistic, given the location and I also chose to make purchases for my trip to New York. This is not an indication of a system failure, my expectation is that this is a circumstantial outlier. The the Buy Day system will be in tact going forward to control spending. What I'm calling out here is that currently, I do something called a Buy Day. So I don't spend money on clothes, you know, things that I just want to buy. I do it once a month. But in March, I was in India and then I went to New York. So I bought things while I was in India and in New York. So I'm just saying that I didn't wait until the end of the month to do the Buy Day. I didn't control spending in that way. I made some purchases, but they were opportunistic because I was literally in India, right? I wasn't going to be able to purchase these things if I waited for Buy Day. And so I'm just calling out that it didn't hold in March, but it's not an indication of the system being broken or failure in the system. It's merely circumstantial and that I believe that it will be intact going forward. Can confirm, today is April 21st. Yeah, I'm recording this really late and I haven't purchased anything, right? So this is still intact. Credit scores moved in the right direction across all three bureaus with TransUnion putting up an 18-point gain. What March says about trajectory? I absorbed a significant income reduction, a travel month, business expense burdens, and still paid down nearly $4,000 in personal debt, improved scores across all three bureaus, and maintained positive net income. Not not the greatest month, but positive things still happen despite some negative things happening is what that's saying. All right, and that's it. That is my monthly CFO meeting. This one just happens to be a quarter as well. So we're talking about the month, but we're also talking about the overall quarter as well. And this whole process takes me about an hour and a half. I turn on some tunes, and I get into it. This is fun for me, but I majored in finance. My master's program focus was in finance and when I graduated, I worked in finance. And so this is, this is fun for me. Let me know if this is something that you would be interested in doing or if I'm doing the most, like, Libria, you're doing too much, girl. Chill. Or if this would be beneficial for you or if this is something that you would like to kind of level up to. For me, it definitely feels like a level up, you know? I think over the years I've gotten much better about paying attention to my finances. But it's really just paying attention to the weeds and now I just really want to be great at zooming out and thinking strategically about my financial wholeness, my financial, about my financial health. The entire, the entirety of my financial health. But I also want to bear in mind what my longer-term financial goals are as well. I've got five-year goals, 10-year goals, 20-year goals, and they, I need to keep those in mind as I'm looking at my financial picture right now. And I can't do that just looking at the debits and credits, just looking at the money in and money out. So yeah, that last year was the baseline. Last year was, you know, get in a good cadence of focusing on keeping up with your finances. But this year is a promotion. This year is a promotion to looking at the bigger picture and being far more strategic. I might be doing the most, let me know in the comments if I'm doing the most or if this is something that you would be interested in leaning into. Either way, I will put a link to a one pager in the description box with basically a checklist of all of these and some explanations so that you can do this yourself. I'll also, I'll also maybe share a little video about how to set up this project in Claud. You can do the same thing in ChatGPT, but I'm rocking with Claud these days. Just head to the link in the description box and drop your email and I will send it over to you. And that's it. The next video I think you should watch is the video that I just did on the baseline financial moves that I am making in 2026 to be more financially savvy. If you have not watched that video, stick around, it's going to play automatically. Thanks for hanging out. I will see you in the next video. Oh, and my hand's not dirty. I just got back from India and I got henna done. That's that's what it is. My hand's not dirty. I promise. Okay, bye y'all.