– Do you want to be rich? Oh! You do? Great! Keep watching. (upbeat pop music) Hey, guys. Well, in today’s episode,
we are going to talk about how to live rich. Yes, with your money, of course. But also in other areas of your life. We’re going to talk to Dr. Les Parrott about how to live rich in our relationships. We’re also going to talk
to someone who started, literally, with no money
but made an investment, managed it well, and now, she’s rich. But you’ll see that doesn’t just mean that she has a lot of
money in her bank account. Her life was completely changed. But let’s talk tactically
for just a second. How do you become rich— like, build wealth—in America today? People say there’s
the secrets of the rich. Well, I have three secrets for you. Number one: Don’t have debt. Big secret, I know. I know. Seriously, your largest
wealth-building tool is your income, and when
your income comes in, and you can let your money work for you— you can invest it,
you can give it away, you can do things with
your money—that’s going to, mathematically, make you more money. Yeah, that’s right. Like, when you put it in
investments and the average growths on a mutual fund
averages 12% a year— Oh, yeah. That’s making money
called compound interest. You can’t go wrong with it. It’s math. Unless we have a
Great Depression or something, which hopefully does not
happen, knock on wood. But it’s going to make you
money over the long game. So, not having debt, using
your income to work for you— Number two: having a plan. Yes, being intentional, you guys. This is huge. This is true in every area of your life. If you want to win in your
marriage, that means you have to be intentional
with your marriage. Like, you’re intentional on reading books, talking with your spouse,
working on communication, going to counseling, whatever it is. You are working on your marriage, you’re going to have a better marriage. Parenting, same thing. If you want to be a better
parent, you’re talking to other parents, you’re
learning, you’re asking questions, you’re reading books,
you’re doing all the things to be a better parent. You have to be intentional. You have to happen to your life, and that includes your money. I say it all the time, but it’s true. You’re not going to look in your bank account and be like, “Oh, wow.
There’s $5,000 in there. That’s kind of nice.” No, that doesn’t just happen. You have to have a plan, and
you have to work for it. Being intentional—that
is how you build wealth. And last, but not least,
live on less than you make. Yeah. Be saving. That’s right. Live on less than you make. Now, all of this is not just my opinion— even though it’s been working for people for over 20 years now, this plan. But it’s also fact. We did a study here at Ramsey Solutions for Chris Hogan’s new book,
“Everyday Millionaires,” and it found that one-third of millionaires never had a six-figure household
income in a single year. Okay. So, these are
not people that are making $4 million annually—no, no, no. Some of them did not even have
a six-figure income, okay? But they had become
millionaires because 92% of them said that they developed a long-term plan with their money. They were intentional. 94% of millionaires said that they lived on less than what they made. Yeah! You guys. It’s possible. It is so possible to still win with money and build wealth in today’s world. But my goal for you is
not just to win with money so you can like hoard
it like Scrooge McDuck. That’s right. We’re still watching Christmas movies on Netflix— like, Mickey
Mouse, Frosty the Snowman— like, y’all—y’all have to get away. I mean, we’re not in
Christmas, but oh, my gosh. I’m like, Frosty has to melt. Like, he has to melt sometime,
but Netflix—and yeah. Scrooge McDuck—
It’s all happening. But I see him all collecting his coins, and I’m like, “No, no, no. That’s not how you’re supposed to do it.” And something we say
around here all the time is to live like no one
else, so later you can live and give like no one else. Because giving creates joy
within you when you do it. And what also creates joy
is learning to be happy with where you are and what you have. And at the end of the day,
you guys, that’s contentment. So, we need to reframe what rich can mean, because a way to live
richly is to be content. And let me tell you how I learned this. (light jazz music) So, I started this habit in
college—one of journaling. That’s right. Little 18-year-old
Rachel in her dorm room with her journals, just journaling away. I would journal prayers,
what I was learning, thoughts, moments of drama,
probably, like—everything went down in my journals in college. And I remember being a
freshman, and I had briefly met Winston Cruze, and I remember
meeting him for the first time, and I was like, “Oh, wow! He’s
good looking and loves Jesus. That’s pretty cool.” And I didn’t really,
like, you know, saw him and didn’t really think much about it. Well, two weeks later—it
was, like, the second week of classes very early
on my freshman year. I was walking into a restaurant
with two girlfriends, and—it’s so funny—I, like,
remember what I was wearing. I had, like, Nike gym
shorts, sorority t-shirt, glasses with Croakies— if y’all remember the Croakies—you know, with the Chi Omega sign on the back. That’s right. Chi O’s. X and a horseshoe. Chi O. And I was walking in, and out came Winston with two friends, and
we passed, and he said, “Oh! I’ve met you. Rachel, right?” And I was like, “Yeah. Yeah.” He’s like, “Cool. Good to see you.” Kept on walking, and I thought— and my friends looked at me,
and they’re like, “Who was that?” I was like, “That was Winston Cruze.” And one of my friends was
like, “You need to date him.” I was like, “I’m trying.” Like, “Gave it my best effort,
gals, but it’s not happening.” Thought he was out of my league. He was two years older
than me—all the things. But I went back to my dorm room in the University of
Tennessee, and I wrote down in my journal, which I
still have, I said, “God, if I could marry a man like Winston Cruze, I would be so happy.” And then, the next day, he asked me out. Just kidding. It took
about a year and a half, and he finally asked me out. But we started dating,
fell in love, got married— all the good things. But I look back at that
moment, specifically, and then so many moments. Like, through college, through my career, up until now, being a mom
and writing things down. You guys, it has such power. Because I can go back, and
I can learn how faithful God has been—how good He
is—but also all the amazing things in my life. And I’ve
realized how rich my life is and how much I have grown. And again, I realize when
you write these things down, you guys, you become grateful.
And part of being content is starting with gratitude. So, I want to challenge you. I want you guys to do this. And you may think, “Rachel, I
don’t have time to journal.” Well here’s an idea: How
much time do you spend on social media each day? Oh, yeah. That’s right. Guys, even our phones tell
us how much time we spend. It’s terrible. It’s disgusting.
It makes my stomach turn when I see my numbers. I’m like “No, no, no, no, no.” So, instead of wasting your time focusing on other people’s moments on social media, write down your own so
they don’t slip away. And I have something so
exciting to help you with this. Dun da da da! This is the “Contentment
Journal” by Rachel Cruze. If you’re not aware. It’s my new journal. I’m so excited. I mean, isn’t it beautiful? Like, it shines. It’s
gold foil on the front. And you guys, I am
so pumped about this. So, what this is is it is
a 90-day guided journal. It’s going to walk you through
gratitude, humility, and contentment, because our
goal in our world today— you can be content, you guys. You can win not only with money but in so many areas of your life. And you’ll go from feeling
busy and distracted and unfulfilled to
appreciating your life again and realize how full and fun it really is. So, click the link in the
show notes to get your own copy of the “Contentment Journal.” I’m so excited about it. All right. I went into my Facebook community, and I found some questions
that you guys had about contentment, so I thought it’d be fun to answer those. All right. Rachel asked, “Where
is the balance between “being content and being gazelle intense “to get out of debt?” Uh, I would say, Rachel, those
aren’t two separate mindsets. I mean, you can be content
and not lazy or apathetic. That is not what contentment
is. That is not complacency. You can still be active. Things can still be moving in
your life and being content. So, the fact that you’re
sacrificing and working for a better life to get out of debt, you can definitely still
be content in that. Those are not one and the same. You can definitely have both, for sure. Wren asked, “How do you
balance liking nice things “and not finding joy in purchases?” That’s a great question. I would say that money is going
to buy you some fun things. There’s some fun stuff in the world, whether it’s an item you’re buying or maybe you’re going out with
friends to a great dinner. You’re going on a nice vacation. Like, money can buy fun. But money will not buy
you true, true happiness, because your stuff can not own you. We always say around here it’s
okay to have some nice stuff, just don’t let your nice stuff have you. So, I always make the argument
in my mind like, “Okay, am I still going to be the same person? Is my character still going to be intact? Who I am—my relationships—
like, how I am in life— if everything was stripped away from me. Like, if I had to go—nothing too drastic, but if everything in
my life had to go down multiple notches
in lifestyle—am I still going to be who I am? And I
pray the answer is yes. Stuff can enhance your
life—and have fun with it— but it will not bring you true joy. Because if that is your mindset,
you will be a rat in a wheel for the rest of your life. So, have some fun. Enjoy the stuff. But it can’t wrap up into your identity. That’s where it gets dangerous. Charlotte asked, “What is
a good way to teach kids “about contentment? “It seems to be a constant
struggle, particularly “with our young, free-spirit daughter.” That was me. Okay, I would say this: When you’re teaching
kids about contentment, it’s kind of the same
philosophy as adults. You need to start giving. Like, start giving. Start serving. Start living your life with open hands, because when you start
to view other people— and you start to have value
on what others bring in life and ways that you can give and serve, it’s amazing the joy
that is created in that. And that happens as an adult. If I start to get just like, “Ugh!” Like, bad mood—all that. It’s amazing. If you just
serve, even your spouse— Like, if you just go and
say, “Hey, you know what? I’m going to do something for someone.” When you start to do that and
go from selfish to selfless, joy starts to come, and
you start to be grateful, which leads to contentment. So, if your kids are constantly discontent with what they have, go
be like, “Guys, we’re going to give away 10 things today
to kids that need it. So, let’s pick it out
together. Let’s do it. And force them to let go
of some of their stuff and give it away, because
that is truly what is going to change their hearts. And I’m preaching to the choir, guys. It’s the same for us adults as well. So, learn to be givers. It breeds gratitude, which
helps lead to contentment. All right, stay tuned, because coming up next is my good friend, Dr. Les Parrott. He is a relationship expert, psychologist, author, speaker—all the
things. And we are going to talk about how to have a rich
relationship with your spouse. (upbeat music) Purchasing a home is a
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ChurchillMortgage.com/Rachel today. (upbeat electronic music) Well, hey guys. We are backstage
at our Money & Marriage event, and I’m here with Dr. Les Parrott. We have been doing this
event for how long now, Les? – Two and a half years. – I know!
– We’ve saved so many people out there from disaster
in their relationships. – So many lives, we are here. But yeah. Its been so
fun to get to know you and travel around and
talk about this subject that is so hard for people,
which is money and marriage. And so, for this episode, we
are talking all about how to enrich your life. And enriching
your marriage is something that’s really, really crucial. You are a marriage
expert, and you actually– – I’m just glad to hear you
acknowledge that for once, because that’s not how
you normally treat me. – I’m usually like, “Les, help us.” Dr. Les Parrott, the expert. – I love the theme of this
show, though—being rich. Because being rich is not
all about money, right? You can be rich in
friendship and certainly rich in marriage, and that’s what
we’re going to talk about. And so, you have done a ton in your past, but I think one of the
most fascinating things is you helped create eHarmony. – Well, Neil Warren—Neil
Clark Warren—is the founder of eHarmony-.
– Yes, he was in all the commercials. I remember that guy. – Yeah. Everybody knows
Neil, and you can’t go into a restaurant without everybody
going, “Hey! That’s the guy.” – That’s the love guy—the eHarmony guy. – But yeah. We were with
Neil and his wife, Marilyn, at the front end of
that when it was an idea at the kitchen table, and
it’s been an incredible thing to watch that company now—
wow! 18, 19 years old. But yeah, we were a part of that ride. It was so fun.
– So fun. Okay. So, what would be
some of your thoughts around when you hear the words
“enrich your marriage”? What are some ideas that come to mind? What are things you think about
with couples that you’ve met with counseling or on the road, and, you know, like, “Okay, these couples— they have a rich marriage.” What would you say? – Well, one of the
things, as a psychologist, that we know about people that have life at the highest levels—that
are, you know, fulfilled— that are feeling like they’re
living the life, right? They’re enriched— rich on multiple fronts—is
they have control in their lives. And people that feel out
of control with anything— money or health or anything
else—anxiety goes up. And obviously, they have
to live in the present to be—live a life of
contentment. You have to have some modicum of control of the
things that you can control, which is money, which is—you can do a lot about relationships.
It’s a two-sided thing, but as a team, you can do a lot
to control that relationship. And so, those are the things
that, when we start to look at the people at the top
10%—that’s the thing that really stands out from the research. They got a handle on this thing. – They have a handle on life,
so what does that translate to in a marriage?
When you see a couple, is it, like, they communicate
well? They problem solve together? They laugh?
What are those components that you’re like, “Yes”? – It’s all those usual suspects. Communication is the
heartbeat of marriage, so you’ve got to get a lock on that. And managing conflict
is critically important. In fact, we know that’s one
of the biggest predictors of success in marriage is
whether you can navigate conflict—not whether you have it or not. Conflict’s inevitable, right?
But here’s the other thing: They’re so intentional
about their marriage, their relationship. So, in
fact, one of the things that I know that these couples
do—and certainly Leslie and I do this—is that
they have a weekly powwow. They have a weekly meeting,
just like a business would or a board would have a meeting. They kind of have a time
where they say, “Let’s look at the week ahead. What are we going to do?” And it’s not just all about logistics and how about babysitters—not that. It’s like, “How do we want to
feel and look by the time we get seven days away from here?” More importantly, they do
that monthly and yearly. There’s kind of a rhythm to it. And it’s so interesting to me, Rachel. So many couples discover
it wasn’t the big trips that they planned, the most
expensive weekend they had— It was just these kinds of
things they stumbled into. Like Leslie, my wife,
said, “Remember that time we walked around Green Lake
in Seattle, and it was raining and we didn’t even have jackets
but we just walked around it and it was just, like, we had
the best talk about our future and about our two boys?” And that’s what really stood out. And you wouldn’t plan on that, right? You don’t go, “Hey, let’s go have
a walk when it’s—” You know? – Yeah, without jackets on. – But those things happen,
and so, they look back on that, and they build on that kind of momentum in their relationship. So, it’s intentionality. That’s the word. Intentionality. – Yes, that’s so good. Because it’s true even in the money space. Like, we say people that
succeed with their money, they’re intentional. They do it on purpose, and the same is true with your marriage. – And you’ve heard me say
a million times, you know, newlyweds, you know, we
tell them, “Choose your ruts carefully, because you’re going to
be in them for a long time.” Right?
– Yes. – But couples at any age or
stage can carve a new groove into their relationship with new habits— healthy habits—and that’s what
enriches your relationship. That’s what makes you rich in marriage. – That’s good. Okay. What are the
top two habits in mind? What are things
that couples can be doing? – So, it’s going to be
different for every couple, but I’ll give you a few examples. So, for Leslie and me,
it’s that weekly time. That’s part of the deal. But
also having a date night. And this sounds like—Well,
yeah. Everybody says that. Have a date night. Here’s what most people
don’t understand about that. It’s not just going out
for a movie and dinner. That’s great. If that’s
what you can do, do it. But it’s the novel things
that you do as a couple— especially if you two have
been married a few years— that brings back the
shower of neurochemicals that you experience when you
were first falling in love. – So, when you are talking to couples, what do you find are reasons why they are dissatisfied in their marriage? – Well, in the big picture,
it’s kind of the opposite, right? They don’t have control
of their lives—let alone their marriage—so they’re
spinning out of control, financially and otherwise. If you could take an x-ray
of your marriage, you know? What would it reveal? That’s what we want to know. Because awareness is curative. You know, we psychologists
say that all the time. Awareness is curative. You could only change something
that you are aware of. That kind of awareness is the
beginning of getting control of your life and going down the
path that you want to go on— not just where the winds
happen to take you. – Yeah, that’s so good. I love that. Okay. So, tonight’s all
about money and marriage— our event—and on the show,
we always talk about money. And we talk about marriage
and money, because again, it’s important to be on the same page. So, as a psychologist, what would you say are the top two things to get people on the same page when
it comes to their money? – So, number one, from my perspective, is understand your money history. In other words, go back and
understand what money was like in your home growing up. And then, number two, understand
your money type or style. And so, as you know, we
have this assessment. It’s called Better Love. And
there’s a whole page on money that looks at your money type, and understanding that is huge. And then, it gets down to the tactics. This is what you are an
expert at—where you begin to go, “Okay. Let’s look
at things and the debt and the snowball—all that stuff.” – Yep, yep. So good, so good. Well, thanks for taking a little bit before the event to do this.
So fun. – I’m happy to do it— to be on The Rachel Cruze Show. – I know! Coffee mug! – Awesome. – It’s like a legit thing, right? Okay. So, where can people find you, Les? – So, lesandleslie.com and— – Leslie’s your wife.
– Yes. -They have the same name, which is fantastic.
– That’s right. It’s confusing, but that’s the way God planned it. And then, of course, betterlove.com is where they can find that assessment. – Perfect. Awesome. Well, thanks for being on, Les. – Absolutely. (upbeat synth music) Isn’t Les great? I love doing our Money &
Marriage events together. They’re so fun. And click the link in the
show notes because we might be coming to a city near you. All right. Now, I want to talk
about how to be rich in your entire life. And this next
guest has an incredible story. You guys, she took $5 and
turned it into $10 million, and it all started with a cupcake. That’s right. You heard me right. So, take a look at her story. (light music) – I remember feeling desperate
and broken and hopeless and feeling like, “Why is
it that everybody else can make it, and we can’t?” I was a stay-at-home mom drowning in debt and brokenness, losing
everything that we had. Figuring out how to make it was what my life was about to depend on. I was listening to the Dave
Ramsey show, and I heard people screaming on the
show, “We’re debt-free!” And I wanted that. And I heard him telling
people that they could have a bake sale, and I thought, “What if you had a bake sale every single day?” But I didn’t know how to bake. But I had a secret weapon.
It was my grandmother. And I said, “Grandma, look, I need a recipe.” It was the first successful
thing that I ever baked, and it was when my
neighbor across the street— she said, “I want to order
cupcakes for all of my clients.” It was going to be, like, 600 cupcakes. All I had was $5 left, and I
hadn’t even fed the family. And we were a family of eight. But I wanted to do something
different because, you know, I was tired of being crazy,
expecting a different result. And I marched myself out
that door, and I bought everything that I could buy with that $5. And I started baking. I turned that $5 into $60 that day. And I turned that $60 into
$600 by the end of the week. And I’ve turned that $600 into
over $10 million in sales. I opened this bakery
with a KitchenAid mixer and a dorm-sized refrigerator, because that’s what I could afford to do. And now, the Cupcake Collection is over five million cupcakes sold. The journey of a thousand miles
begins with one step. And it’s in that one step
forward that you begin to find that everything else
begins to take its shape. You just have to do what you can do. I’m going to live like it depends on God, but I’m going to work like it depends on me. – All right, Mignon. Thanks
for coming in here, chatting with me. Your story is just—it’s phenomenal. Can you believe you’re,
like, living your life? Like, when you look back
on your story, like, does it still amaze you? – It does amaze me. Someone asked me just
yesterday if I surprised myself, and I said, “No.” (laughing) I don’t surprise myself. I fully think I’m capable of everything that I set my mind to,
but I think that we think these things happen to other people. They don’t actually happen to us. And that’s what I want my
platform in life to be. I will be transparent,
and I will be authentic. And you can know my business
so that you, too, can know what you can do if you believe. – So good. Okay. Because winning with money
obviously isn’t just to win with money to have money, right? It is about more than that, and
you are such a joyful person. And money doesn’t always equal joy. Like, it doesn’t. It equals
fun sometimes, right? Money can buy some fun, but
doesn’t—it doesn’t reassure you that you’re going
to have a joyful life. But you do. – I could have chosen
to go a different way. When God put this Cupcake
Collection on my heart, he very clearly said
to me, “Mignon, I’m done playing with you. I’ve given you all these
ideas, and you start and you never finish anything. This is your last opportunity. Do it and live, or don’t and just die.” – So, what were those other chances that you didn’t take? – I mean, I had a lot of ideas. I was a child that—I was always coming up with something new, and my mom would be like, “Stick to something.” And that, I learned
later, was also a gift. It was a gift to have ideas. But I would try to make a
business out of so many things. I’d get the business
cards made, tell everybody I was going to do it, journal
about it, and then two weeks later, when you ask me about
it, “Oh, I got something else. I’m not doing that anymore.” And then scared to go out and sort of hustle for my business. – That’s what I was going to ask. So, why didn’t those succeed? – Yeah, I was scared to go out
and hustle for my business. When it came to the Cupcake
Collection, I would be peeking out of the blinds, trying
to see if anybody was going to walk down my street so
I could bombard them with, “Hey, do you want to taste this?” I mean, when you are
truly hungry and you know that you’re standing before life and death and you want to live and you
want to live more abundantly, you will do what it
takes in order to live. Hunger will make you do some amazing and incredible things if you let it. And listening to Dave Ramsey on the radio, I was hearing people
scream, “We’re debt-free!” And I felt that. I felt
them through the radio, and I wanted that. I wanted to be able to
sleep and know that nobody— I didn’t have to get up. Somebody called me today—
one of those robocalls— and they said, “We called to
help you on some debt relief.” I said, “Sorry, I don’t have any debt.” – I get those too, and I’m like, “Yeah, I don’t think this is correct.” That’s so good. So, you mentioned journaling. Okay, I want to know. Do
you love to journal? What’s, like—what’s your take on that? – I have a journal by the side of my bed, and if my purse is anywhere
around here, there is a journal on the inside that goes
with me everywhere I go. Ideas only last for 30
seconds unless you ink them. Otherwise, you know—and
that’s a scientific fact. – Oh, I didn’t know that. That’s good. So, what’s the power, for
you, when you write things in your journal, and you go
back, let’s say, just 12 months, and you reread the past year, what does that do for you? Oh, my gosh. So, I am rereading, right now, maybe 15 or 20 years. – Oh, wow. – Because I’m writing my story now. And I’ve gone back to
the day that I asked God to give me something
that could belong to me. Write your prayers down to
God, because you need to know how to be thankful and pray
your gratitude back to him. – I love that. So, the giving part of your life is huge. You’ve given in so many ways— not only financially but
for opportunities for people and your kids. Tell me
about that part of your life. – I’m so excited to have the opportunity to open up my space for other people. There’s not a lot for me to keep. And so, that’s one of the
ways in which I’m expanding my business by letting other
people have an opportunity to start a business with
the Cupcake Collection. I remember standing in
the shower, and God said, “Open up your hands and
try to catch the drops.” And no matter how much you
try to hold them in your hand— you can cup your hands
as tight as you can, you can not hold water in your hands except for whatever goes into the palm. And that’s what I learned. All that I could keep was
whatever I could hold. Everything else was to pass through me, and I was supposed to let
that fall on other people. And so, that’s what I’m
doing with my life now. – That’s incredible. So, someone hearing your
story who’s maybe living paycheck to paycheck, they may
be as of extreme situation as you were all those years
ago—maybe not as bad— but they’re just still in this
place, and they’re like “Man, all this bad stuff has happened to me. Why has the world done this to me?” And it’s almost a victim-like mentality. What would you say to someone
that changed your life— of taking control over your life? – I think that’s the key. You take control. You also take responsibility
for the situations that you place yourself in. I love to use the analogy
that, at one point, none of us could walk. At one point, none of us could talk. But some of us women can run
in a good pair of high heels. That means that, at some point— – Amen sister. Speaking of high heels,
show them, Mignon. Show them. – Yes. – That’s right. That’s right. We can take off running. I believe it. – But at some point, you
saw someone doing that. And you thought, “I can do that too.” And so, you tried it. And it hurt when you fell,
but it didn’t stop us from trying again. But the difference is
that, back then, everyone was telling you that you could. “Come on, you can do it. Come on, baby.” Someone was cheering you on. And there’s no one cheering now. We don’t have to be victims
in our own situations. But, sometimes, we get so
caught up in our brokenness, and we think that, “Oh, because I’m broken, I can’t do anything.” But it is in your brokenness that your potential becomes released. – So good. That’s hope. I mean, that’s it. What you’re spreading is not just the joy but the hope of taking responsibility and seizing the opportunity. – I think people don’t expect
that it’s going to be hard. – Oh, gosh. Yeah. – You know? It’s hard. – That’s right. – It’s hard for successful
people. It’s still hard. And if it wasn’t hard— – Everyone would be doing it. – Yeah, it’s work. And work
is required of all of us. – Yeah. Absolutely. Amazing. And your story and
everything that you’re doing with your life, I mean,
you just radiate joy. And you have a really
rich life in many aspects. And so, you added so much,
so much to the show. And I know you gave
people out there watching, again, the hope and the encouragement that they can change their lives and live a rich life as well. – Thank you. I hope so. – Thank you so much for
being on. Seriously. I so appreciate it. – Thank you. (upbeat electronic music) – Oh, I just love Mignon, you guys. Not only is she building
this incredible business, but she’s leaving a legacy,
and she loves to journal. I love that. She is enriching her family’s
life, and that’s exactly what I want you to do. And planning for the
future—like she is doing— is so important, and
one way you can do this is making sure that you
have term life insurance. While nothing will replace
you, term life insurance allows your family to
really be taken care of. Personally, it gives me such peace of mind knowing that if something
were to happen to Winston or myself, that our family would
not have to worry about money. That is why we use Zander Insurance. All it takes is a simple phone call or a visit to their website. Now, we recommend getting a
policy that’s 10–12 times your annual income to make
sure your needs are covered. And Zander, you guys, they
do all the work for you. They shop around. They
find you the best rates and the policy that’s
right for your family. So, go to Zander.com to get started today. If you ever thought about
starting your own business, like Mignon, my friend
Christie Wright helps women making money doing what they love. And I was able to interview
her, and although you won’t see it here on the video,
go check out the podcast. That’s right! The Rachel
Cruze Show podcast. And hear the interview on this episode. So, today was so much fun. We covered so many things,
and to get everything that we covered in today’s
episode, including my new “Contentment Journal,” make
sure you pick one up. I’m so excited. Be sure to click the
link in the show notes. All right, a big thanks to
Mignon and Les for coming on and to you guys for
submitting some questions. And remember to take control of your money and create a life you love.