Heather's Money Mayhem

IN THIS EPISODE:

#103 - As I sneak off to Iceland this week with the hubs, I'm turning the reins over to podcast regular and mindset maven Heather Lahtinen. And...Heather has a question for you.

All these principles and personal growth strategies we talk about on the podcast—are you putting them into practice in real life? Do you even notice when your emotions are hijacking your thought process? (That's two questions, oy.)

This week, Heather walks you through a recent real-life example of putting mindset principles into action—so we can all learn some valuable lessons from her crazy-brain train.

What To Listen For:

The rotten rear-end news that sent Heather spiraling into tears
What our financial decisions actually come down to
How even small loose ends can have an oversized impact
The brilliant business move Mercedes makes for its customers
Why overcoming your ego is good for your bottom line

Enjoy your one-on-one time with Heather, and I'll catch you in next week's episode!

Resources From This Episode:

Connect with us on Instagram and YouTube.
Explore valuable pet photography resources here
Discover effective pricing and sales strategies for all portrait photographers.
Ready to grow your business? Elevate helps you do just that.
Check out our recommended gear and favorite books.

Full Transcript ›

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Welcome to the hair of the dog podcast.

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If you're a pet photographer,

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ready to make more money and start living a life by

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your design,

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you've come to the right place.

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And now your host,

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pet photographer,

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travel addict,

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chocolate martini connoisseur,

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Nicole Begley.

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Welcome to the hair of the dog podcast.

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I'm Nicole Begley.

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And today we have a special treat for you.

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Today's podcast is getting taken over by our friend,

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Heather Lahtinen,

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head coach for elevate and also creator of flourish academy and

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a regular guest on the podcast.

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Well, if you haven't seen our previous two money make-over stories

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for our podcast,

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check out episodes.

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Number 95 and episode number 101,

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and then come listen to this one.

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Or Heather is going to be sharing her experience when a

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whole bunch of money,

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trials and tribulations started popping up in her life in the

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past few weeks,

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you're going to love it.

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And as for me,

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I'll catch you next week.

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Have a great one.

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Stay tuned.

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You're listening to the flourish academy podcast.

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And in this episode,

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I'm going to walk you through a practical application of all

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of the principles we've been learning.

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My name is Heather Lahtinen and I'm a photographer educator and

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entrepreneur and I founded the flourish academy as a resource for

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photographers of all levels.

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We want to help you pursue your passion on your own

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terms because we believe there is room for everyone in this

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podcast. We focus on creating breakthroughs with your mindset to discover

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the things that are really holding you back in business and

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life. As you learn all of the principles,

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strategies, and ideas that we talk about every week,

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I wonder,

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are you applying them to your life?

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And do you recognize,

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or are you aware when something is happening in real time

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that you are utilizing something you've learned?

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I personally am keenly aware of this because I'm always,

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always looking for the lessons in everyday life in normal situations

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and circumstances,

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because I,

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I believe what good is all of this knowledge.

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If you aren't applying it or trying to better yourself or

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your approach to life,

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obviously I try to interject what we are learning with stories

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to help solidify the concepts.

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And that's what today is all about.

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I'm going to be sharing something that happened to me very

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recently because I feel that there are probably 55 lessons that

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I learned lessons around.

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Decision-making planning,

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managing emotional states,

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finances, budgeting,

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trusting my instincts,

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limiting beliefs,

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stories that I'm telling myself.

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I mean,

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really the list goes on and I'm sharing this today,

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not just to talk about myself,

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but because I know that it can help you.

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There are valuable lessons to be learned from my craziness in

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order to lay the groundwork for the story,

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we have to go back to 2009.

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My kids were two and seven years old.

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We had paid off our home.

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We had zero debt.

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I was photographing upwards of 30 weddings a year.

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And we were in a really good spot in early 2009.

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I was photographing a newborn session inside of the city of

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Pittsburgh. And I hit a curb,

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a little aggressively,

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and my car had to be towed to the local dealership

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to be fixed while my car was being serviced,

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I was sitting in the showroom of a Mercedes dealership and

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there was this beautiful car right in front of me.

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I looked at it,

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I looked at the price.

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I knew that we could afford it.

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I called my husband and I said,

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I have a flat tire.

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Can I buy a new car?

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And he laughed.

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And he said,

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sure, whatever.

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It was fine.

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And I was able to pay cash for that car.

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Now, before you freak out like,

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oh, a Mercedes they're so expensive and you paid cash for

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that, that's crazy.

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It's a C class.

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The car was only $35,000.

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And I would assume that that urban assault vehicle that you

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call an SUV,

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the one you're driving was probably more expensive than that.

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It's just that we had saved up money.

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So I was able to buy it with cash,

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which was amazing because I hate car payments.

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We don't like debt.

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We're Dave Ramsey fans.

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So I thought I'm going to drive this car until she

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dies, because it's a great car.

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And why would I need a new one?

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Okay. Fast forward,

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here we are.

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2021. The car is 11 years old has 122,000

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miles on it.

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And every time it goes in for service or inspection,

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I am quite nervous because I know that at some point

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there are some repairs that are headed my way.

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I have adhered to the rigorous Mercedes maintenance plan.

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And she's been in really good condition for a very long

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time. Well,

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I guess until now I got the call last week,

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she was in for an inspection and I answered the phone.

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He says,

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this is the kind of call that I really hate to

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make. I was like,

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what's what the dramatics,

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it's a car.

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And he said,

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well, in order to pass inspection,

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she needs $4,000

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worth of work and an additional 4,100

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to fix all the issues that we found.

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So just over $8,000

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worth of work.

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And I thought,

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well, here it is.

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I said,

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okay, thank you.

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I'm going to need a minute to process this.

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I got off the phone.

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I looked up how much the car is worth currently in

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good condition,

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in good,

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healthy condition.

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That car's worth $5,100.

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Obviously it does not make sense to fix it up and

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try to sell it for that amount.

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And here's where things took a turn south for me,

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I went into this emotional spiral of,

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we don't have the money.

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I don't want to buy a new car.

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I like this car.

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I don't have time for this.

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I'm too busy.

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Just things started adding up on me really,

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really quickly,

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knowing that in the course of the last 11 years,

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we have saved money and put it aside for a car

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purchase because we like to pay cash.

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There is $23,000

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sitting in that car account.

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However, we had anticipated that my husband's car would probably need

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to be replaced.

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First. He drives an older Chevy traverse.

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It has 135,000

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miles on it.

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It makes all kinds of strange noises.

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So we were planning on using that money for his car.

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We did not anticipate that mine would be the first to

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go as a result.

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I didn't feel comfortable draining that account.

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I think $23,000

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is probably enough to get a decent used car,

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which was my plan,

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but I didn't want to use all of that money in

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case he needs a car.

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Well, what am I going to do?

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Am I going to get some cheap car for $10,000

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or less?

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And then I go into this whole,

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you know,

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the market is so crazy right now.

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Inventory is low on used cars because there's this chip shortage.

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So the new car there aren't as many new cars they're

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being ordered.

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They're sold before they hit the lot.

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That means the prices on the used cars are inflated.

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You're paying more than they're actually worth.

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It's just craziness.

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I don't want to deal with it.

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I usually give myself about 2.3

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seconds to get over it,

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but I've got to tell you,

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it took me a little bit longer because I was in

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this spiral of,

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I don't want to spend the money.

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I don't have enough money.

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I'm never going to be able to find a car.

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I don't have time.

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What am I going to do?

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Oh, help me,

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Rhonda. But you have to take a step back for a

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moment and look out one of the core issues here.

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And that is,

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I didn't want to take out a loan on a car.

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And my husband said to me,

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what is wrong with putting $10,000

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down on a car and taking out a small loan and

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paying it off quickly?

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What's the problem there.

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And at this point,

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I'm embarrassed to admit there were tears because I was just,

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well, I was just emotional.

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I don't know how else to say it.

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And I said,

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because car loans are for losers.

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That's what losers do.

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And I want to,

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okay, relax.

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If you have a car loan,

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I'm not calling you a loser.

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I'm saying this is my limiting belief because I'm so hardcore

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Dave Ramsey,

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that I can't take out a car loan because he yells

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at you all the time,

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not to take out a car loan.

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So I had in my head that I was a failure.

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I was a failure.

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If I had to take out a car loan,

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because I should have been saving more money to pay cash

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for this car,

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I knew this day was coming.

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I'm not prepared,

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which is what makes me a loser.

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So do you see how that train of thought?

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Based on the belief that I couldn't take out alone led

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to a shame spiral of me being a loser,

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by the way,

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when this was happening,

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I was catching it,

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but I felt really powerless to get myself out of this

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mode. Well,

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between my husband and my best friend,

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Nicole, they talked me down from this ledge.

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It's okay.

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If you have to go find a used car and get

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a small loan,

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you can pay it off quickly.

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Like that is not the end of the world.

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Okay, good.

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Then I felt good about that.

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Oh, but then what happened next?

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I guess shouldn't surprise me.

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But you understand that every decision we make around finances is

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an emotional one because of how it makes us feel.

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The clothes you wear,

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the house you live in,

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the car you drive is all because your ego is seeking

263
00:09:26,070 --> 00:09:27,390
an emotional feeling.

264
00:09:27,750 --> 00:09:29,730
When I bought that Mercedes,

265
00:09:29,790 --> 00:09:34,350
it was 100% to have a status symbol to drive to

266
00:09:34,350 --> 00:09:38,550
weddings. I read the book blink by Malcolm Gladwell and he

267
00:09:38,550 --> 00:09:40,290
talked about first impressions.

268
00:09:40,590 --> 00:09:43,290
And I wanted to have a very nice looking car to

269
00:09:43,290 --> 00:09:44,280
show up at weddings.

270
00:09:44,490 --> 00:09:46,230
And it served me very well.

271
00:09:46,920 --> 00:09:50,550
What I should say is it served my ego.

272
00:09:50,580 --> 00:09:55,110
It inflated my ego because this is a luxury car.

273
00:09:55,110 --> 00:09:57,000
It looks so fancy.

274
00:09:57,210 --> 00:09:59,370
You elevate yourself by driving,

275
00:09:59,370 --> 00:10:00,240
something like that.

276
00:10:00,630 --> 00:10:03,930
And my ego was having a moment thinking about giving up

277
00:10:03,930 --> 00:10:04,950
that status symbol.

278
00:10:05,670 --> 00:10:09,150
It resisted so much that it forced me.

279
00:10:09,810 --> 00:10:10,920
I know this is hilarious.

280
00:10:10,950 --> 00:10:15,060
My ego forced me to call the salesman at Mercedes and

281
00:10:15,060 --> 00:10:18,480
ask if there were any used ones on the lot for

282
00:10:18,480 --> 00:10:19,770
$20,000 or less.

283
00:10:19,830 --> 00:10:21,480
I had set my budget.

284
00:10:21,480 --> 00:10:23,040
Now at $20,000,

285
00:10:23,040 --> 00:10:24,600
the car to be $20,000

286
00:10:24,600 --> 00:10:25,080
or less,

287
00:10:25,140 --> 00:10:27,180
did they have a used one on the lot?

288
00:10:27,630 --> 00:10:29,340
And because I know they have in the past,

289
00:10:29,370 --> 00:10:30,390
but they're older models,

290
00:10:30,390 --> 00:10:30,900
of course.

291
00:10:31,230 --> 00:10:31,770
And he said,

292
00:10:31,770 --> 00:10:34,110
no, our inventory is low due to,

293
00:10:34,170 --> 00:10:34,860
ah, I said,

294
00:10:34,860 --> 00:10:35,460
stop, stop.

295
00:10:35,490 --> 00:10:37,380
I don't want to hear due to COVID.

296
00:10:37,410 --> 00:10:38,100
I don't want to hear it.

297
00:10:38,160 --> 00:10:38,910
I understand,

298
00:10:38,910 --> 00:10:39,780
but I need a car.

299
00:10:40,080 --> 00:10:40,470
He said,

300
00:10:40,470 --> 00:10:41,010
no, I'm sorry.

301
00:10:41,010 --> 00:10:41,880
We don't have anything.

302
00:10:42,090 --> 00:10:42,990
Okay. Well,

303
00:10:43,590 --> 00:10:43,830
you know,

304
00:10:43,830 --> 00:10:46,860
the truth is the cost of ownership on that car is

305
00:10:46,860 --> 00:10:50,040
ridiculous. It takes premium gas.

306
00:10:50,340 --> 00:10:52,140
When you have to buy new tires,

307
00:10:52,170 --> 00:10:54,600
you have to buy four because they're different sizes.

308
00:10:54,600 --> 00:10:55,770
You can't rotate them.

309
00:10:56,040 --> 00:10:58,620
New tires on the Mercedes are about $1,200

310
00:10:58,620 --> 00:10:59,310
for the sat.

311
00:10:59,730 --> 00:11:02,370
All of the maintenance is very expensive.

312
00:11:02,400 --> 00:11:03,780
Cost of ownership is high,

313
00:11:04,110 --> 00:11:07,110
and it just doesn't make any practical sense for me to

314
00:11:07,140 --> 00:11:08,160
get another one.

315
00:11:08,460 --> 00:11:10,590
It was great in that season of life.

316
00:11:10,620 --> 00:11:12,660
And I'm glad it lasted as long as it did,

317
00:11:12,990 --> 00:11:14,580
but it doesn't make sense moving forward.

318
00:11:15,180 --> 00:11:18,720
And I really had a bit of a hard time coming

319
00:11:18,720 --> 00:11:21,780
to terms with that because I'm used to this fancy luxury

320
00:11:21,780 --> 00:11:26,160
car. I know that that is a hundred percent for my

321
00:11:26,190 --> 00:11:29,130
ego and not from my rational brain,

322
00:11:29,940 --> 00:11:34,170
but the ego is very powerful and does a really good

323
00:11:34,170 --> 00:11:37,380
job at trying to ratchet up your emotional state,

324
00:11:37,410 --> 00:11:38,640
which is what was happening.

325
00:11:39,060 --> 00:11:40,200
Okay. But a few hours later,

326
00:11:40,800 --> 00:11:42,540
we went to bed that evening and I was like,

327
00:11:42,540 --> 00:11:43,860
okay, I have a plan.

328
00:11:43,980 --> 00:11:47,400
I am going to look online for a used car and

329
00:11:47,400 --> 00:11:50,190
I need to get this taken care of ASAP because I

330
00:11:50,190 --> 00:11:53,040
absolutely cannot tolerate loose ends.

331
00:11:53,380 --> 00:11:55,690
I think loose ends are really distracting,

332
00:11:55,840 --> 00:11:58,030
which is why one of the things I talk about all

333
00:11:58,030 --> 00:12:00,610
the time in my coaching and an elevate is I'll say

334
00:12:00,610 --> 00:12:01,360
to people,

335
00:12:01,480 --> 00:12:02,980
what's the monkey on your back?

336
00:12:03,010 --> 00:12:05,290
What do you need to take care of that?

337
00:12:05,290 --> 00:12:09,010
You've been procrastinating on pieces is holding you back more than

338
00:12:09,010 --> 00:12:09,700
you realize.

339
00:12:10,510 --> 00:12:12,580
I know this and I apply it in my life.

340
00:12:12,610 --> 00:12:13,090
So I'm like,

341
00:12:13,120 --> 00:12:15,310
I'm going to get this taken care of straight away.

342
00:12:15,700 --> 00:12:17,920
Well, at one point I was waiting to hear back from

343
00:12:17,920 --> 00:12:21,910
the salesman at Mercedes and he had Thursday off,

344
00:12:21,940 --> 00:12:23,860
okay, these timeframes are important.

345
00:12:24,100 --> 00:12:26,860
I got this news Tuesday evening.

346
00:12:26,890 --> 00:12:29,050
I talked to the salesman on Wednesday.

347
00:12:29,230 --> 00:12:30,700
He was going to look around for me.

348
00:12:30,700 --> 00:12:32,050
He had Thursday off.

349
00:12:32,530 --> 00:12:35,200
So I knew that on Friday I was going to talk

350
00:12:35,200 --> 00:12:35,650
to him.

351
00:12:36,010 --> 00:12:36,790
In the meantime,

352
00:12:36,820 --> 00:12:40,630
the service manager had called me back Thursday afternoon,

353
00:12:40,810 --> 00:12:43,480
asking what I'd like to do with the car.

354
00:12:43,840 --> 00:12:44,380
And I said,

355
00:12:44,380 --> 00:12:44,740
you know what?

356
00:12:44,740 --> 00:12:46,060
I'll I'll come pick it up.

357
00:12:46,390 --> 00:12:47,590
They had given me a loner.

358
00:12:48,190 --> 00:12:49,360
I will take the loan of a,

359
00:12:49,360 --> 00:12:49,960
by the way,

360
00:12:50,140 --> 00:12:51,490
smart move Mercedes.

361
00:12:51,760 --> 00:12:53,230
When they come pick up your car,

362
00:12:53,230 --> 00:12:54,280
they leave you a loner.

363
00:12:54,310 --> 00:12:58,210
And it's always a brand new model that is all decked

364
00:12:58,210 --> 00:13:02,380
out. The one that they left me last week was more

365
00:13:02,380 --> 00:13:03,880
like a rocket ship than a car.

366
00:13:03,880 --> 00:13:04,750
It was so fancy.

367
00:13:04,750 --> 00:13:06,160
I didn't even know how to turn it on.

368
00:13:06,820 --> 00:13:07,600
So anyway,

369
00:13:07,630 --> 00:13:09,400
because they're trying to sell you a nicer car.

370
00:13:09,400 --> 00:13:10,330
I get it smart.

371
00:13:10,930 --> 00:13:12,970
I take the car back Friday morning.

372
00:13:12,970 --> 00:13:16,840
I decide I have to get my car back and try

373
00:13:16,840 --> 00:13:18,970
to figure out if I'm going to go to a dealer

374
00:13:18,970 --> 00:13:19,960
and try to trade it in,

375
00:13:19,960 --> 00:13:22,330
or if I'm going to sell it outright and then use

376
00:13:22,330 --> 00:13:23,380
that money to buy a car.

377
00:13:23,710 --> 00:13:25,960
So I get to the dealership and a service.

378
00:13:25,960 --> 00:13:27,070
Manager's really nice.

379
00:13:27,070 --> 00:13:27,550
And he's like,

380
00:13:27,550 --> 00:13:28,240
I'm so sorry.

381
00:13:28,240 --> 00:13:29,470
I had to make that phone call.

382
00:13:29,470 --> 00:13:29,860
And I said,

383
00:13:29,860 --> 00:13:31,480
I understand she was on hospice.

384
00:13:31,840 --> 00:13:33,250
She's having a lot of trouble.

385
00:13:33,400 --> 00:13:33,880
And you know,

386
00:13:33,970 --> 00:13:35,500
all of the usual niceties.

387
00:13:35,600 --> 00:13:36,430
And then he says,

388
00:13:36,880 --> 00:13:37,990
how are you getting home?

389
00:13:39,040 --> 00:13:39,340
I said,

390
00:13:39,340 --> 00:13:39,760
I'm sorry.

391
00:13:39,940 --> 00:13:42,580
I am what I'm driving my car home.

392
00:13:42,730 --> 00:13:43,150
He said,

393
00:13:43,150 --> 00:13:45,010
well, what road are you taking?

394
00:13:45,130 --> 00:13:46,420
Which way do you go?

395
00:13:46,480 --> 00:13:47,860
And I was explained.

396
00:13:47,860 --> 00:13:48,100
He said,

397
00:13:48,130 --> 00:13:48,490
oh, okay.

398
00:13:48,490 --> 00:13:50,140
I just don't want you to get on the highway.

399
00:13:51,160 --> 00:13:51,460
I said,

400
00:13:51,460 --> 00:13:52,720
really? Why is that?

401
00:13:52,810 --> 00:13:53,530
He said,

402
00:13:53,560 --> 00:13:57,610
the rear sub frame of your car is completely rotted.

403
00:13:58,030 --> 00:13:59,170
It has rusted out.

404
00:13:59,260 --> 00:14:02,200
It is not currently attached to your vehicle.

405
00:14:02,470 --> 00:14:05,860
It is being held in place by a piece of plastic.

406
00:14:05,980 --> 00:14:07,390
And I just want you to be safe.

407
00:14:07,540 --> 00:14:08,140
And I thought,

408
00:14:08,170 --> 00:14:10,090
okay, so it's not safe to drive my car.

409
00:14:10,120 --> 00:14:11,050
Like this is,

410
00:14:11,290 --> 00:14:12,940
this is not good.

411
00:14:12,970 --> 00:14:13,570
First of all.

412
00:14:13,990 --> 00:14:16,450
But I also don't have a lot of time to mess

413
00:14:16,450 --> 00:14:18,880
around in terms of selling it privately or taking it to

414
00:14:18,880 --> 00:14:21,790
a dealership because it's going to fall apart or I'm going

415
00:14:21,790 --> 00:14:22,900
to get in an accident.

416
00:14:22,900 --> 00:14:25,180
And then it's going to be worth $0.

417
00:14:25,360 --> 00:14:25,720
So I said,

418
00:14:25,720 --> 00:14:26,530
okay, thank you.

419
00:14:26,890 --> 00:14:27,550
I got on my phone.

420
00:14:27,550 --> 00:14:29,920
And I looked up the closest Subaru dealership.

421
00:14:30,220 --> 00:14:32,920
Now I decided I wanted to Subaru because we live in

422
00:14:32,920 --> 00:14:34,420
the middle of the woods in Western,

423
00:14:34,420 --> 00:14:35,860
Pennsylvania, up a mountain.

424
00:14:36,130 --> 00:14:38,620
And it is a requirement to have an all wheel drive

425
00:14:38,620 --> 00:14:39,820
vehicle that goes really,

426
00:14:39,850 --> 00:14:42,580
really, really well in snow.

427
00:14:42,970 --> 00:14:45,190
So I drove 2.8

428
00:14:45,190 --> 00:14:48,130
miles from the Mercedes dealership to the Subaru dealership.

429
00:14:48,190 --> 00:14:50,170
And I walked up to a salesman and I said,

430
00:14:50,440 --> 00:14:51,830
hi, my name is Heather.

431
00:14:52,070 --> 00:14:52,760
I need a car.

432
00:14:53,690 --> 00:14:54,290
And he said,

433
00:14:54,320 --> 00:14:55,910
okay. I explained,

434
00:14:55,940 --> 00:14:58,130
I'd like to have somebody look at my Mercedes,

435
00:14:58,490 --> 00:14:59,600
tell me what they could give me.

436
00:14:59,600 --> 00:15:03,410
And I'm looking for something a used either across track or

437
00:15:03,410 --> 00:15:04,610
maybe an Impreza,

438
00:15:04,940 --> 00:15:07,970
probably in the 20 17,

439
00:15:08,000 --> 00:15:10,850
20 18 range for $20,000

440
00:15:10,850 --> 00:15:11,150
or less.

441
00:15:11,150 --> 00:15:12,500
And then what I said next,

442
00:15:12,500 --> 00:15:15,560
but let me back up the night before,

443
00:15:15,920 --> 00:15:16,610
in my mind,

444
00:15:16,610 --> 00:15:19,340
there's something I practice in terms of my values.

445
00:15:19,340 --> 00:15:20,540
I've talked about this in the past,

446
00:15:20,540 --> 00:15:22,280
and that is if you know who you are,

447
00:15:22,310 --> 00:15:23,060
what you want,

448
00:15:23,090 --> 00:15:23,900
what you believe in,

449
00:15:24,410 --> 00:15:29,840
all of your decisions are made before you encounter them.

450
00:15:30,350 --> 00:15:34,550
I am a very decisive person because my decisions are made

451
00:15:34,760 --> 00:15:36,440
before I encounter them.

452
00:15:36,620 --> 00:15:38,780
The night before I went to pick up my car,

453
00:15:38,990 --> 00:15:40,070
I thought to myself,

454
00:15:40,190 --> 00:15:43,340
what is a requirement for a car I want to use

455
00:15:43,340 --> 00:15:47,060
car that goes well in the snow for $20,000

456
00:15:47,060 --> 00:15:47,540
or less,

457
00:15:47,600 --> 00:15:48,710
those are my requirements.

458
00:15:48,740 --> 00:15:49,880
And then I thought to myself,

459
00:15:50,300 --> 00:15:51,380
bonus points,

460
00:15:51,710 --> 00:15:55,370
if it's a white car with tan interior in a manual

461
00:15:55,370 --> 00:15:59,240
transmission, because I really miss driving a stick shift,

462
00:15:59,390 --> 00:16:02,300
but I also knew that I couldn't be picky because you

463
00:16:02,300 --> 00:16:04,370
know, inventory is limited.

464
00:16:04,700 --> 00:16:07,550
Okay? So I'm at the Subaru dealership.

465
00:16:08,210 --> 00:16:09,650
And I say to the salesman,

466
00:16:10,340 --> 00:16:14,150
white exterior with a tan interior in a manual transmission would

467
00:16:14,150 --> 00:16:15,890
be like off the charts for me,

468
00:16:15,890 --> 00:16:18,770
that would be the most amazing thing ever.

469
00:16:19,070 --> 00:16:22,130
But I understand that I can not be particular at this

470
00:16:22,130 --> 00:16:24,320
point. And he looked at me and he said,

471
00:16:24,830 --> 00:16:25,370
you know what?

472
00:16:26,000 --> 00:16:27,380
This is kind of a fluke,

473
00:16:27,770 --> 00:16:29,870
but there was a car that just came in.

474
00:16:30,050 --> 00:16:31,760
Let me just check and make sure it's here before I

475
00:16:31,760 --> 00:16:32,540
say anything.

476
00:16:33,050 --> 00:16:34,790
And he walked away and he came back and he said,

477
00:16:34,790 --> 00:16:35,450
let me show you.

478
00:16:35,450 --> 00:16:38,450
And he walked out to show me a white car with

479
00:16:38,450 --> 00:16:41,990
a tan interior and a manual transmission.

480
00:16:42,470 --> 00:16:45,350
And I almost fell over dead.

481
00:16:45,500 --> 00:16:48,470
There was only one thing about it that I was like,

482
00:16:48,530 --> 00:16:50,450
oh, I don't know it was brand new.

483
00:16:50,750 --> 00:16:52,070
I didn't want to buy brand new.

484
00:16:52,370 --> 00:16:55,760
I wanted to buy something used because new cars lose their

485
00:16:55,760 --> 00:16:56,930
value really quickly.

486
00:16:56,930 --> 00:16:57,320
Of course,

487
00:16:57,320 --> 00:16:58,280
everyone knows that.

488
00:16:58,280 --> 00:16:59,540
And I just wasn't into it.

489
00:16:59,540 --> 00:17:00,650
I had determined,

490
00:17:00,650 --> 00:17:01,760
I wanted to use car.

491
00:17:02,120 --> 00:17:02,480
He said,

492
00:17:02,480 --> 00:17:03,680
someone ordered this car.

493
00:17:03,680 --> 00:17:06,380
They came in and their financing didn't go through.

494
00:17:06,410 --> 00:17:07,820
So here it is.

495
00:17:07,820 --> 00:17:09,560
It's only been here for a day or two.

496
00:17:09,980 --> 00:17:10,430
And I said,

497
00:17:10,430 --> 00:17:11,000
wow, well,

498
00:17:11,000 --> 00:17:12,290
I really didn't want a new car.

499
00:17:12,320 --> 00:17:15,260
And then my eyes scanned over to the price.

500
00:17:15,620 --> 00:17:16,340
You guys,

501
00:17:16,670 --> 00:17:20,570
the price on this car was $20,000

502
00:17:20,780 --> 00:17:23,000
brand new $20,000

503
00:17:23,000 --> 00:17:26,870
car that met all of my requirements in my mind.

504
00:17:26,930 --> 00:17:27,560
I was like,

505
00:17:27,590 --> 00:17:28,790
check, we're done here.

506
00:17:28,820 --> 00:17:30,320
Let's go process the paperwork.

507
00:17:30,770 --> 00:17:32,390
I don't care how much you're giving me for the old

508
00:17:32,390 --> 00:17:33,440
girl this has done.

509
00:17:33,500 --> 00:17:34,400
This is amazing.

510
00:17:34,670 --> 00:17:35,510
Now side note,

511
00:17:35,540 --> 00:17:37,610
one of the reasons someone like Dave Ramsey,

512
00:17:37,610 --> 00:17:41,030
doesn't recommend buying a new car is because they lose their

513
00:17:41,030 --> 00:17:44,390
value. And if you finance the entire thing and you drive

514
00:17:44,390 --> 00:17:45,050
off the lot,

515
00:17:45,080 --> 00:17:47,570
you are automatically upside down in that car,

516
00:17:47,600 --> 00:17:50,430
meaning you owe more than it's worth.

517
00:17:50,760 --> 00:17:53,190
Well, I knew it was going to be putting $10,000

518
00:17:53,190 --> 00:17:54,690
or more down with the trade-in.

519
00:17:54,960 --> 00:17:56,490
So that wouldn't happen.

520
00:17:56,520 --> 00:17:59,250
Even though I really was looking at a used car.

521
00:17:59,460 --> 00:18:00,210
So in my mind,

522
00:18:00,240 --> 00:18:01,200
this was a done deal,

523
00:18:01,200 --> 00:18:02,130
but obviously I thought,

524
00:18:02,130 --> 00:18:03,870
well, I should probably drive it.

525
00:18:04,410 --> 00:18:05,640
So I took it for a test drive.

526
00:18:05,640 --> 00:18:08,070
And even though I haven't driven a manual in about 20

527
00:18:08,070 --> 00:18:10,560
years, it was like riding a bike and I loved it,

528
00:18:10,920 --> 00:18:11,730
got out of the car.

529
00:18:11,730 --> 00:18:12,180
And I said,

530
00:18:12,180 --> 00:18:12,450
you know what?

531
00:18:12,450 --> 00:18:13,890
I'm just going to walk around the lot,

532
00:18:13,890 --> 00:18:16,620
just to feel good about this decision and make sure there

533
00:18:16,620 --> 00:18:17,970
aren't any used cars.

534
00:18:17,970 --> 00:18:19,170
I should be checking out.

535
00:18:19,350 --> 00:18:23,370
I found a couple of used Crosstreks that had 44,000

536
00:18:23,370 --> 00:18:25,500
miles approximately each,

537
00:18:25,770 --> 00:18:29,670
and were listed of between 25 and $26,000.

538
00:18:29,910 --> 00:18:32,550
So, and that's because they had premium packages.

539
00:18:32,940 --> 00:18:34,290
And I thought to myself,

540
00:18:34,320 --> 00:18:36,330
I could pay more for a used car,

541
00:18:36,840 --> 00:18:40,980
but you have to trust your instinct and your decisions.

542
00:18:41,070 --> 00:18:43,770
The night before I had said to myself,

543
00:18:44,220 --> 00:18:46,350
white, tan manual,

544
00:18:46,380 --> 00:18:48,480
all wheel drive under twenty.in

545
00:18:48,480 --> 00:18:50,850
there, it was literally right in front of me.

546
00:18:51,330 --> 00:18:53,430
I don't even know why I hesitated for a sec.

547
00:18:53,430 --> 00:18:54,210
I really didn't.

548
00:18:54,240 --> 00:18:56,520
I just thought I'll look around and I'll move forward.

549
00:18:56,580 --> 00:18:57,240
Okay. There was,

550
00:18:57,900 --> 00:18:59,550
there was one slight hesitation.

551
00:18:59,910 --> 00:19:00,840
He said to me,

552
00:19:00,960 --> 00:19:02,790
you're coming from that Mercedes to this car,

553
00:19:02,790 --> 00:19:04,890
you understand it's a base model.

554
00:19:04,980 --> 00:19:06,660
It does not have power seats.

555
00:19:06,690 --> 00:19:08,100
It does not have heated seats.

556
00:19:08,400 --> 00:19:11,700
It doesn't have any of the luxury items that you are

557
00:19:11,700 --> 00:19:12,870
used to in your car.

558
00:19:13,350 --> 00:19:15,750
And I took a deep breath and I thought to myself,

559
00:19:15,780 --> 00:19:18,210
the only reason I would resist this is because of my

560
00:19:18,240 --> 00:19:21,330
ego and how it makes me feel in terms of a

561
00:19:21,330 --> 00:19:22,200
status symbol.

562
00:19:23,070 --> 00:19:26,040
I am working to overcome my ego.

563
00:19:26,220 --> 00:19:26,820
So I said,

564
00:19:26,850 --> 00:19:28,470
no, those things don't bother me.

565
00:19:28,530 --> 00:19:30,510
And he told me we could add heated seats if I

566
00:19:30,510 --> 00:19:31,170
want to do so.

567
00:19:31,170 --> 00:19:31,830
That's fine.

568
00:19:32,160 --> 00:19:33,210
But manual seats,

569
00:19:33,240 --> 00:19:34,110
no. Who cares?

570
00:19:34,140 --> 00:19:34,650
I drive it.

571
00:19:34,650 --> 00:19:35,970
It's going to stay in the same place.

572
00:19:36,300 --> 00:19:38,880
Well, he sends my car in to be looked at,

573
00:19:39,180 --> 00:19:40,470
and then he leans forward,

574
00:19:40,470 --> 00:19:41,490
really serious,

575
00:19:41,520 --> 00:19:42,300
really serious.

576
00:19:42,300 --> 00:19:45,390
And he points down at the tires and he says,

577
00:19:45,930 --> 00:19:48,870
are you going to be okay with hubcaps?

578
00:19:50,100 --> 00:19:53,040
Because it doesn't have the fancy wheels like a Mercedes.

579
00:19:53,040 --> 00:19:53,640
I said,

580
00:19:53,640 --> 00:19:57,480
bro, I do not even care about the wheels.

581
00:19:57,480 --> 00:19:58,470
No, that's fine.

582
00:19:58,470 --> 00:19:59,190
It's all wheel drive.

583
00:19:59,190 --> 00:20:00,060
It goes in the snow.

584
00:20:00,300 --> 00:20:01,110
I'm pretty happy.

585
00:20:01,110 --> 00:20:02,670
This is a very practical decision.

586
00:20:02,910 --> 00:20:03,510
We went in,

587
00:20:03,510 --> 00:20:04,500
we wrote everything up.

588
00:20:04,710 --> 00:20:06,600
They looked at my car and they said,

589
00:20:06,870 --> 00:20:08,220
well, it needs a lot of work.

590
00:20:08,220 --> 00:20:08,580
And I was like,

591
00:20:08,580 --> 00:20:09,150
no kidding.

592
00:20:09,150 --> 00:20:10,530
The rear end is about to fall off.

593
00:20:10,920 --> 00:20:12,180
We can give you 3,500.

594
00:20:12,240 --> 00:20:12,870
I said done,

595
00:20:12,900 --> 00:20:13,470
I'll take it.

596
00:20:13,770 --> 00:20:15,570
I walked out of that dealership.

597
00:20:15,660 --> 00:20:17,880
$18,000, 10 in cash,

598
00:20:17,940 --> 00:20:21,000
a little over in eight in a car loan that I

599
00:20:21,000 --> 00:20:24,660
plan to have paid off probably in the next few months.

600
00:20:24,840 --> 00:20:27,570
So many lessons here.

601
00:20:27,960 --> 00:20:31,050
And I was able to leave some cash in our account.

602
00:20:31,200 --> 00:20:34,260
Should Craig's car suffer the same ending?

603
00:20:34,860 --> 00:20:36,540
And maybe he will need a new one.

604
00:20:36,810 --> 00:20:37,290
I don't know.

605
00:20:37,290 --> 00:20:38,310
But the money is there.

606
00:20:38,610 --> 00:20:40,590
As we were writing up the deal,

607
00:20:40,680 --> 00:20:43,740
he, he was trying to ask me,

608
00:20:44,310 --> 00:20:46,680
but he was trying to be really politically correct.

609
00:20:47,020 --> 00:20:48,040
He was trying to say,

610
00:20:48,070 --> 00:20:50,830
do you want your husband to come in and sign this

611
00:20:50,830 --> 00:20:51,340
with you?

612
00:20:51,760 --> 00:20:54,100
But I think he knew better than to say that because

613
00:20:54,100 --> 00:20:55,960
I'm incredibly independent.

614
00:20:55,960 --> 00:20:59,950
And I absolutely have something to prove my Mercedes was in

615
00:20:59,950 --> 00:21:00,730
my own name.

616
00:21:00,760 --> 00:21:02,620
This car is in my own name.

617
00:21:02,890 --> 00:21:03,460
And I said,

618
00:21:03,490 --> 00:21:05,200
no, I'm going to take care of this myself.

619
00:21:05,380 --> 00:21:09,580
I do recognize that when you are self-employed financing can look

620
00:21:09,580 --> 00:21:12,490
a little bit different because they question everything.

621
00:21:12,790 --> 00:21:15,970
But my business has been around long enough is stable enough

622
00:21:16,000 --> 00:21:19,150
and has the income to support the car that I'm purchasing.

623
00:21:19,270 --> 00:21:20,680
So it was not an issue.

624
00:21:20,680 --> 00:21:21,100
In fact,

625
00:21:21,100 --> 00:21:23,710
he came back him and the finance guy both said,

626
00:21:23,710 --> 00:21:25,660
I've never seen a credit score that high.

627
00:21:25,870 --> 00:21:26,320
And I said,

628
00:21:26,320 --> 00:21:27,370
well, I pay my bills.

629
00:21:27,400 --> 00:21:27,640
I mean,

630
00:21:27,640 --> 00:21:28,570
I don't know what to tell you.

631
00:21:29,260 --> 00:21:31,210
I filled everything out and off.

632
00:21:31,210 --> 00:21:34,000
I went in my brand new Subaru Impreza.

633
00:21:34,030 --> 00:21:35,350
It's a 20,

634
00:21:35,830 --> 00:21:37,420
22. It's so pretty.

635
00:21:37,420 --> 00:21:37,930
But yes,

636
00:21:37,930 --> 00:21:40,210
it is a base model car.

637
00:21:40,210 --> 00:21:41,950
And I was used to luxury.

638
00:21:41,980 --> 00:21:42,910
Oh, humbling.

639
00:21:43,060 --> 00:21:44,410
Yes, this is good for me,

640
00:21:44,410 --> 00:21:47,230
but I'll tell you what I feel great about the decision,

641
00:21:47,230 --> 00:21:49,600
because I know that I made the right one.

642
00:21:49,780 --> 00:21:51,370
I'm trusting my instinct.

643
00:21:51,400 --> 00:21:52,600
I feel good about it.

644
00:21:53,020 --> 00:21:56,770
I am unnaturally excited about the fact that I do not

645
00:21:56,770 --> 00:21:58,720
have to put premium gas in that car.

646
00:21:59,140 --> 00:22:00,940
And it's a manual transition.

647
00:22:01,270 --> 00:22:04,780
I'm zipping around this town with more fun than I've had

648
00:22:04,780 --> 00:22:05,920
in a car in a long time.

649
00:22:05,920 --> 00:22:08,290
And I can't wait to teach my children how to drive

650
00:22:08,290 --> 00:22:09,040
a real car.

651
00:22:09,160 --> 00:22:11,380
But one of the really important lessons I learned there were

652
00:22:11,380 --> 00:22:11,980
so many,

653
00:22:12,190 --> 00:22:17,200
but one was that I didn't realize how much that car,

654
00:22:17,200 --> 00:22:19,510
my old car was weighing on my shoulders.

655
00:22:19,750 --> 00:22:21,820
I was constantly worried about it.

656
00:22:22,450 --> 00:22:25,630
I was a little bit resentful of all of the money

657
00:22:25,630 --> 00:22:26,710
that had to go into it,

658
00:22:26,710 --> 00:22:28,330
including the premium gas.

659
00:22:28,600 --> 00:22:31,120
I knew it was on its last days,

660
00:22:31,360 --> 00:22:33,370
which meant I was going to have to do something at

661
00:22:33,370 --> 00:22:33,970
some point.

662
00:22:34,030 --> 00:22:37,690
Anyway, there's only one word I can use to describe what

663
00:22:37,690 --> 00:22:38,650
I'm feeling right now.

664
00:22:38,710 --> 00:22:40,930
And it is just complete relief.

665
00:22:41,470 --> 00:22:44,920
I feel relieved to have that monkey off my back to

666
00:22:44,920 --> 00:22:46,000
have it taken care of.

667
00:22:46,030 --> 00:22:50,290
I'm driving a car that is practical and reliable and will

668
00:22:50,290 --> 00:22:51,850
get me around in the snow.

669
00:22:52,510 --> 00:22:54,580
I'll have that loan paid off in no time.

670
00:22:54,940 --> 00:22:58,000
And hopefully Craig's car sticks around for a little bit longer,

671
00:22:58,000 --> 00:22:58,840
but if it does it,

672
00:22:58,870 --> 00:23:02,050
I know that we can survive because taking out a small

673
00:23:02,050 --> 00:23:04,510
loan on a car is not in fact the worst thing

674
00:23:04,510 --> 00:23:05,080
in the world.

675
00:23:05,820 --> 00:23:09,580
And I recognize that it doesn't mean I failed or that

676
00:23:09,580 --> 00:23:10,420
I'm a loser.

677
00:23:10,900 --> 00:23:13,660
And I used to say things like I'll never buy a

678
00:23:13,660 --> 00:23:14,320
new car.

679
00:23:14,320 --> 00:23:15,970
I'll only ever pay cash.

680
00:23:16,000 --> 00:23:18,550
And here I am doing what I said I wouldn't do,

681
00:23:18,820 --> 00:23:23,050
but you have to be flexible in your decision-making and you

682
00:23:23,050 --> 00:23:24,130
have to trust yourself.

683
00:23:24,520 --> 00:23:28,990
I trust myself that I purchased a car that is well

684
00:23:29,020 --> 00:23:32,200
within my range of affordability and that I'll have it paid

685
00:23:32,200 --> 00:23:32,890
off quickly.

686
00:23:33,040 --> 00:23:34,240
And it won't be an issue.

687
00:23:34,630 --> 00:23:37,660
I think the issue or the problem is when people get

688
00:23:37,660 --> 00:23:40,270
in over their heads and they purchase a car that they

689
00:23:40,270 --> 00:23:41,800
really can't afford.

690
00:23:42,220 --> 00:23:44,650
And as I was getting in my new car to drive

691
00:23:44,650 --> 00:23:44,950
off the,

692
00:23:45,320 --> 00:23:47,060
the salesman ran over at the last minute.

693
00:23:47,060 --> 00:23:47,410
And he said,

694
00:23:47,430 --> 00:23:48,680
you see that guy standing there?

695
00:23:49,070 --> 00:23:49,370
I said,

696
00:23:49,370 --> 00:23:50,840
yeah. He said,

697
00:23:50,840 --> 00:23:52,250
he came to buy that car.

698
00:23:52,520 --> 00:23:53,570
And I just smiled.

699
00:23:53,570 --> 00:23:54,050
And I thought,

700
00:23:54,050 --> 00:23:54,440
well, I said,

701
00:23:54,440 --> 00:23:54,860
well, tell him,

702
00:23:54,860 --> 00:23:55,640
I'm sorry,

703
00:23:56,120 --> 00:23:58,310
but that car was meant to be mine.

704
00:23:58,310 --> 00:23:59,150
It was just,

705
00:23:59,450 --> 00:24:02,480
I wish you could have been there to see my expression.

706
00:24:02,480 --> 00:24:05,150
When I walked over to this white car with a tan

707
00:24:05,150 --> 00:24:07,700
interior, a manual transmission at 20 K,

708
00:24:07,760 --> 00:24:10,220
I, it just was unbelievable to me.

709
00:24:10,490 --> 00:24:13,400
I hope that you found this story useful,

710
00:24:13,790 --> 00:24:15,860
valuable, inspiring,

711
00:24:16,130 --> 00:24:17,150
but really,

712
00:24:17,210 --> 00:24:19,580
I just want you to take all the concepts,

713
00:24:19,580 --> 00:24:20,610
the strategies,

714
00:24:20,610 --> 00:24:23,100
the tools that we're learning together,

715
00:24:23,100 --> 00:24:26,020
as we reead these books and apply them to your own

716
00:24:26,020 --> 00:24:26,980
life. I'd love.

717
00:24:26,980 --> 00:24:30,200
If you could leave a comment and let me know something

718
00:24:30,200 --> 00:24:33,640
you've done recently that you have been aware of or found

719
00:24:33,640 --> 00:24:36,860
helpful based on the strategies that we've learned.

720
00:24:36,860 --> 00:24:38,990
If you enjoy this podcast episode,

721
00:24:38,990 --> 00:24:42,210
go ahead and take a screenshot of this episode on your

722
00:24:42,210 --> 00:24:45,580
phone and post it up there on your Instagram stories and

723
00:24:45,580 --> 00:24:48,140
be sure to tag us at hair of the dog academy.

724
00:24:48,290 --> 00:24:51,800
And we would just love to see how you're listening and

725
00:24:51,800 --> 00:24:52,940
a full disclosure.

726
00:24:53,060 --> 00:24:56,510
Sometimes we just like to give away a little pet photographer,

727
00:24:56,510 --> 00:25:00,350
swag in the form of hair of the dog t-shirts and

728
00:25:00,350 --> 00:25:02,930
sweatshirts. So what are you waiting for?

729
00:25:02,960 --> 00:25:06,050
Go ahead and share that screenshot of this episode.

730
00:25:06,320 --> 00:25:08,180
And don't forget to tag us at Hare,

731
00:25:08,180 --> 00:25:08,990
the dog academy.

732
00:25:09,230 --> 00:25:10,250
And while you're there,

733
00:25:10,280 --> 00:25:12,560
maybe you want to jump on over to our account and

734
00:25:12,560 --> 00:25:15,530
see what we're up to on the gram would love to

735
00:25:15,530 --> 00:25:16,310
connect with you.

736
00:25:17,240 --> 00:25:19,700
Thanks for listening to the hair of the dog podcast.

737
00:25:19,760 --> 00:25:21,800
If you want to check out the show notes for access

738
00:25:21,800 --> 00:25:24,140
to any of the links that we shared in this episode,

739
00:25:24,410 --> 00:25:26,720
as well as any additional related resources,

740
00:25:26,960 --> 00:25:32,300
simply go to www.hairofthedogacademy.com/

741
00:25:32,300 --> 00:25:35,270
1 0 3.

742
00:25:35,270 --> 00:25:39,020
Thanks for listening to this episode of hair of the dog

743
00:25:39,020 --> 00:25:40,700
podcast. If you enjoyed this show,

744
00:25:40,700 --> 00:25:42,500
please take a minute to leave a review.

745
00:25:42,500 --> 00:25:43,820
And while you're there,

746
00:25:43,820 --> 00:25:45,020
don't forget to subscribe.

747
00:25:45,020 --> 00:25:48,830
So you don't miss our upcoming episodes on last thing,

748
00:25:48,830 --> 00:25:51,860
if you are ready to dive into more resources,

749
00:25:51,860 --> 00:25:57,530
head over to our [email protected].

750
00:25:57,530 --> 00:26:00,350
Thanks for being a part of this pet photography community.

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