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- [00:01]
A
Welcome to the Joy Broadcast with me, Ali Mortimer. I was once upon a time an IT consultant, recoding systems in the retail industry to function better. And now I'm turned a life consultant and joy coach where I'd like to think I reprogram and recode hearts, minds, souls and lives to feel better. This podcast, the Joy Broadcast, is a way to bring joy to your life, whatever the weather, whatever you're doing. So you feel a pocket or of positivity in every single day. If, like me, you've once upon a time found yourself wondering whether you will ever be happy again or if you're just staring at the kitchen sink wondering how you'll get through the next 10 minutes, this podcast is for you. Get you a glimmer of hope, a dose of happiness or an infusion of joy right here, right now. Welcome to the Joy Broadcast.
- [00:50]
B
Welcome back to the Joy Broadcast. Today I have a really beautiful, beautiful guest with me. I've known her for a very long time. I won't say how long I've known her because it'll give away our age. But we met each other at school. We actually, when I was thinking how I wanted to introduce my guests today, I was thinking we've actually been in business together a decade ago. But I have to say a lot has changed since then because who I'm introducing you to today is Amy Goodall Smith. Is that right? Am I saying that right?
- [01:21]
C
Yeah, yeah, you are. Yeah, yeah. Good.
- [01:23]
B
And she is from the Goodall Smith Wealth Management Company. And I can't believe I'm saying this, but she's just amazing. I saw her pop up on my Instagram feed and I was like, oh my God, Amy does this. How amazing would it be to have her on the podcast? Because I know a lot of people, especially around this time of year, get very, very worried about money. And especially in January when this podcast is going to be coming out, they're.
- [01:46]
A
Going to be like, oh my goodness, what am I going to do this year?
- [01:49]
B
And I think the economy and the general narrative around is just like one of lack and just fear mongering when it comes to money. So I really wanted to bring you on the Joy Broadcast so that we can talk a little bit about joy to our spending, to our investing, to our savings, to talk all about money. And just so that I can introduce you properly, you are a chartered financial planner, is that right? Chartered financial planner. You are a fellow of the Personal Finance Society. It sounds very posh, Amy. I know.
- [02:19]
C
Very posh.
- [02:19]
B
It's very Posh. And you run your own practice creating financial strategies. Can you. Should we just start there? Do you want to tell us exactly what it is? And then we'll just. We'll just dive into everything. What is it?
- [02:29]
C
Yeah, I've actually also done a Master's in finance, which not many people have done, so there we are.
- [02:34]
B
So there you are. You are just another thing and another thing. Oh, my gosh, you've done so much in the last decade. Take us on that journey and take us what it is that you've done.
- [02:43]
C
Well, gosh. So I actually, when I was at university, was quite interested in the investment side of things, sort of the fund manager side of things. And then I. I was living in Cardiff and I got a job with the financial advisors and I thought, oh, this is really good. And when my kids say, mum, what do you do for a living? And I just say, I drink coffee, eat biscuits and chat to people all day long. And that is basically how what I feel my job is. I love it so much. I just get to spread a bit of money joy everywhere.
- [03:16]
B
I'm just so perfect. I told you you were perfect to come on the Joy broadcast. Spread a bit of money joy for everybody here.
- [03:21]
C
I love it. Well, people are so nervous of money and talking about money, they're frightened of it often, or they don't feel they know enough about it or they're anxious about making decisions. And a lot of the time they don't have a strategy. One of their friends will say, oh, I've just opened this new bank account. If you open it, you get 500 quid. Oh, I'm going to go and do that then. Or, oh, so and so ISA is offering such and such. Oh, I'm going to go and do that then. Or, oh, have you seen these shares have gone up. Oh, I'll buy a couple of those. Oh, work, say, have a pension. I take that pension, then. And I've got all these four or five other ones from previous, so there's no strategy at all with money. We just kind of fall over it. Do you know what I mean? It just kind of happens. We earn it. We don't really know what to do with it. We spend it particularly and especially when your kids are small. You're in that real spending phase, aren't you, when you've got. And I think it's. I think the thing when people come to see me is. Should we just pause and look at where we are now? Let's just have a little look at where we Are. And what is your plan? What do you want to achieve? What is it? What's your goal? Some people say, I never want to give up work. Believe it or not, some people say, I never want to give up work.
- [04:35]
B
Well, if you eat biscuits and spread money joy, why would you? And I feel a bit. And I feel, I feel a bit the same. Why would I stop spreading joy when I love it so much?
- [04:44]
C
I know I do. I honestly, I love it. I love it so much. And I think that spills out in meetings with clients. So we just say that. Where are you? What have you got? Let's just have a look at what you've got. Take stock. Where are we trying to get to? Do you want to retire early? Do you want to, I don't know, move house or send my kids to private school or whatever it would be, support my parents, whatever your goal is. So if you're here and here's your goal, how do we get you there? And that is literally what I do, is create a plan, a strategy, a robust plan that people can then say, I know why I'm now doing that, or I know this will help me get to my goal. Because otherwise it's any commitment to a goal, unless you really commit to it and write it down, you're never going to achieve it, are you? And I think it's the same with money and we just take all the fear, all the noise, all the jargon, make it really simple. It really does. It can be really simple and it's about simplifying things completely for people. And that is literally all it is. Take everything away and just boil it down to the simple facts and save a load of tax along the way. That's the other bit I do.
- [05:56]
B
Yeah, we always want to do that. Tell me, you talk about biggest fears and anxiety. What do you think are the biggest fears that you come across and help people with the most when they come to you?
- [06:09]
C
Absolute lack of knowledge. People feel they don't have any knowledge. I don't really know what this is. I don't really understand, or I've got this policy or I've paid my mortgage off, or I, you know, whatever it might be, it's that lack of knowledge. And there's nowhere to go and get the knowledge. Either there's no trusted source, is there? You know, you can Google, you can ask your friends, you can ask your.
- [06:32]
B
Parents, you can ask Chat, gbt, Chat GPT, I know.
- [06:36]
C
Or Martin Lewis, everyone says, I've got Martin Lewis, the coupon guy, you know, Actually, everybody. My needs are different to your needs, Ali. I might live next door to you, have the same number of children, go to the same school, you know, partner that does the same job. But because of your emotions, your feeling, your attitude to risk, your capacity for accepting any losses, our strategies could be completely different. Or your goals might be different to mine.
- [07:04]
B
Yeah, I was going to say I might want to just set everything up and sail around. Kind of like the world on a boat. What do I do with all this cash? It's like that.
- [07:13]
C
Yeah, exactly. So I think the fear of most people is. I don't really understand it. I don't really understand it. And I see that creating so many problems as well later on with, you know, families that are inheriting from their parents. The amount of times siblings fall out over money or divorce, how emotional divorce is. It tends to come around the cash and the kids obviously, but the money, the kind of. That's not fair. You know, I've done the. I've been going and getting the money or I've been at home doing all of this, you know, so that you can do that. It's all that kind of emotions that are involved in money.
- [07:58]
B
And I think that we say cold hard cash, don't we? But it is the emotions that when we bring or we apply to money and everybody's emotions around money are so, so different. Right.
- [08:07]
C
So different. It's so. And also what we've grown up with. So often you're. You're running from something, are you? Or you're drawn to something. There's usually there's two kind of major drivers.
- [08:19]
B
Yeah.
- [08:19]
C
So if it's from something, it might a background of quite a lot of insecurity around money. You know, if your parents weren't great with money, it might push you away from that or you might be learning from them and then carrying on that same strategy because you've known no better or the real drive to get something that you haven't had in your past, you know, so it's really interesting, the emotions of money. In fact, in my, when I did my masters, um, my snappy title of my thesis was where, where do you go to kind of gather the knowledge to make those financial decisions. So I sort of attached it around 34 year olds because that at the time was the average age in the UK of when you purchase your first home at age 34. Which I. Yeah. It's quite late, isn't it?
- [09:10]
B
Yeah, I was gonna say it's quite old.
- [09:11]
C
Yeah, yeah, I know.
- [09:12]
B
Where are they Living with parents, well.
- [09:14]
C
They'Re either at home or in rented, you see that it's kind of getting out of that and it was really interesting. I interviewed loads of 34 year olds where they've got their sort of feeling and emotions and strategy from and it's often their parents of course, it's often their friends. Oh, I don't want to be left out, I don't want to be left out. They've all gone and done this and I haven't done that. Or it is Martin Lewis Googling stuff.
- [09:40]
B
You know what they've seen on the tv.
- [09:42]
C
Yeah, there's no trusted voice. It's really interesting. The fca, the Financial Conduct Authority, who is our kind of governing body, are looking into sort of a simplified or a more accessible advice. It's called the Advice Guidance Boundary Review. And in fact because of my masters I've had a chat with them about some of the things that I've seen and they are trying to head towards either you go and see a financial advisor and get full advice or there's some different layers below where you have a bit more access to advice. Someone like you Ali might do something like this. And so there's been some sort of discussions with a lot of the sort of product providers how they might use this kind of simplified advice system to share information with people and just testing that to make sure that it. You don't think, well I took advice. Yeah, but you didn't, you know, so. And I think that's really, really good opportunity within our market to share information with people. The more we share, the more informed people are to make better decisions and have then better outcomes and ultimately that.
- [10:52]
B
Will bring people that kind of like peace and calm around money. Because I think as you say, people fear it, they're not sure what to do with it. It's almost like too hot to touch or when they got it, they immediately feel like they have to spend it. I think, you know, people earning lots of money who haven't been used to having money, maybe coming from a family that didn't have it, it's just like, oh, I've got loads of money, let's spe everything burning a hole. I've got to spend it on like the, the next new thing, whether that be labels or material things and you know, they're massively showy. You know, they want people to see that they're now wealthy, which I don't think is a bad thing because it can be. I'm celebrating the fact that I'm you know, doing well. I think conversely, there can be, you know, I suppose maybe older money. When you've grown up through the generations, you. We don't talk about money, do we? Is this kind of like. It's not something you bring up at the dinner table. You talk about weather, you know, you don't talk about money. Whereas actually talking about money around the dinner table with our children is so powerful because it teaches them how to invest it, if you've got it, how to spend it wisely, how to save it, how to invest it. I think there was something you touched on, you know, the simplification of money or money matters and strategies when, when you talk about that. What are the kind of like key things? If I was a client coming to you now, what were the key things? Where would we start? What would we do?
- [12:12]
C
I think that's a really good question. I draw a little picture for all of my clients because I'm very. A very visual learner. So I draw them into a picture and every conversation they'll say, oh, you know that triangle that you drew?
- [12:23]
B
Yeah. Go on, let's do it now. Draw the triangle. Do it with me now. Let's draw a picture.
- [12:30]
C
So this is, this triangle fits at any stage in your life. Okay. I'm actually writing a book, Annie. Oh, good. I know. Because there's different stages of your life where your needs are often different, or your free cash is different, or your focus is different. Okay. But the triangle still fits for all of these, in my opinion. Okay.
- [12:54]
A
Yeah.
- [12:54]
C
So if you draw a triangle, I'm drawing mine, and that represents your wealth. Okay. The very tip of the triangle is the smallest amount of your wealth. So the very, very. The apex, very tall. It's the smallest amount of your wealth, and that is the little bit that you use for your short term needs. Right.
- [13:10]
A
Okay.
- [13:11]
C
So that is money that you need to keep in cash accessible, not tucked away anywhere for tires blown or the boilers gone or whatever the unexpected capital expenditure that isn't part of your regular day to day. Okay.
- [13:26]
B
Yeah.
- [13:26]
C
Or anything you might be planning to do in the next two, three years, probably because you don't want to be investing money that you need in the next few years. Because if it takes a dip when you need it, you haven't got the money there anymore.
- [13:37]
B
Okay.
- [13:37]
C
Okay.
- [13:38]
B
Yeah.
- [13:38]
C
Got you chocolate cash. Then you've got the middle bit, which is slightly bigger slice of your triangle, and that's for your medium term. Okay. So that tends to be where I would use ISAs, because you've got all this great tax efficiency in an ISA, we tend to use them for invested ISAs. So you're starting to build your investment portfolio here. Or there's other stuff, but let's just simplify it. And that's money you might need in five years, 10 years, something like that, that you need before you retire. Okay, so it might be going up in the house. What's the word I'm trying to say? Like house move. Okay, got you.
- [14:19]
B
Yeah, it might be up in the house.
- [14:23]
C
It is really early. Or it might be supporting the kids with their first house. Or it could be anything that you, you don't need, but you might need it. You don't need it now, but you might need it sooner rather than retirement. And then the biggest proportion, the big section at the bottom, that huge section is for creating an income in retirement. Okay. That's your long term, or if it's not retirement, your long term. And that's the biggest pot. Because if you retire at, let's say you're lucky enough to be able to retire at 55 or it actually is moving to 57. Right. If you were to retire at 57, that's the long term for me either.
- [15:01]
B
Ali. Oh, God.
- [15:03]
C
You could. Your. Your chance of living. If you look at the Office of national statistics, another 40 years, we're like, we have got a one in four chance of living until we're like 95.
- [15:13]
B
I know.
- [15:14]
C
Okay. So you think if you're retiring at 55, you've got to create an income for 40 years.
- [15:19]
B
Oh, my God.
- [15:20]
C
But what we do is we have this lovely Inc. This lovely big pot of money which grows in value and we just take the growth out. So we leave the pot. So the pot creates the income. Okay. So that's what we're trying to achieve there. So that's your big pot. Okay.
- [15:35]
B
Yeah.
- [15:35]
C
And. But underpinning it, so there's another section below the triangle. So you can have any structure you like, but unless it's got a solid foundation, it's all going to fall down. So the big solid foundation at the bottom is. Have you got a will?
- [15:51]
B
Yes. Tick. Done that.
- [15:52]
C
Good girl. Not that many people have. Or they've done it and they haven't signed it.
- [15:57]
B
Yeah, signed. And I've got my letter of wishes in there as well. Done. Good.
- [16:01]
C
Exactly. So that's. And the lasting powers of attorney is really important. So you're alive, but you've lost capac. And we think about this for our grannies and grandpas, but actually I could lose capacity Tomorrow by, you know, going under the bus and being in a coma. Absolutely. So it's really important. Just because you're married doesn't give James, for example, authority to deal with my affairs. Anything on your behalf. Yeah. So you know how annoying it is when you phone, I don't know, the gas company and they say, sorry, Ali.
- [16:32]
B
You'Re not on the bill. Yeah.
- [16:34]
C
Yeah. Imagine if you can't just pop on and say, no, it's fine, chat to James. You can't do that.
- [16:40]
B
Yeah.
- [16:40]
C
So having this asking power of attorney is really important and sometimes the banks will say to you, ah, hang on, this is a joint account and we've heard that James has lost capacity. Ali, you can't access this money. He hasn't given authority. Be really careful about that. And again, with a will, if you've got young children, you haven't got a will. There's no one designated to have your kids. They could go into care until that is sorted out. So, so important when you have children to have a will.
- [17:07]
B
Is everybody listening?
- [17:09]
C
Please listen. I know, but also, then, so will Lars has it. But also, if you're working and the family rely on your income, what happens if you're sick?
- [17:19]
B
Protection.
- [17:20]
C
What happens if you are sick? If you are self employed, big problem. If you haven't got anything, that's creating another income for you. Also if you're employed, you think, oh, my company will take care of me, but check the policy. Some can't afford to. They haven't got a policy, they only pay for a month. And then you're on statutory sick, which is about £80 a week, which is naffle. Right.
- [17:42]
B
Yeah.
- [17:43]
C
So what happens if you're sick and it might be. It doesn't matter if you. Obviously it matters, but financially it doesn't matter because you can rely on one income or you're, you know. But also what happens if you die prematurely financially here? Because, yes, everyone worries about their mortgage being paid off, but you have to remember, if there's a loss of someone in that family, you're losing their income as well.
- [18:09]
B
Yeah.
- [18:09]
C
So not only are you losing them, you losing their income and you're left with liabilities.
- [18:15]
B
Yeah.
- [18:15]
C
So for me, my number one priorities when I talk to clients are what if the. What if they're the things that will help you sleep at night, they're the things that I say, let's just unpick this. What policies have you got? A lot of the time people are really overinsured and I say, well, look, I don't Insure my vacuum, my washing machine, for example, I just go buy another one. Right. So it's all about value. What's valuable to you, what's important to. To you. And often those things, the things we pushed in back in my mind when it's not going to happen to me. So number one is that foundation. Number two is, do you have some cash in the bank?
- [18:50]
B
Yeah.
- [18:51]
C
And number three is then when I say to people, now we talk about investing. So at this point we'll talk about investing. And according to whatever age you are, what your priorities are is what we invest in. And that's the bit. So the founding, that triangle fits with everybody. And I say to some people, you've got a lovely big bottom, but a very skinny middle.
- [19:13]
B
Yeah.
- [19:13]
C
Or really top heavy, and nothing really at the bottom. So we use that as a way to kind of say, well, if your triangle's the wrong way up, we need to shift it the other way around. It's a great way for people just to visualize. Ah, got it, got it. And I could say that to you, you could probably go and apply that principle to yourself, your own finances, without too much involvement with me. Do you see what I mean? And it's only the where now do I invest where I really can come in and help?
- [19:40]
B
Yeah, yeah. And what would you say for somebody who has got that inverted triangle, so his is living literally cash rich all the time because they're in a state of life where literally everything is being paid at this moment of time and they don't have any extra cash to create. Yeah, they don't have the surplus to create that foundation. Because I think if we look in general at most people, saving is not that easy at the moment. You know, with cost of living, you know, everything is going up, up, up, up, up. You know, what, how, what would you say to somebody who's there at that point, how do you start to shift that triangle the other way?
- [20:15]
C
It is really hard because the natural thing is because credit's so easily available, to start taking the credit and then you are in a real almighty pickle. And that is the bit that you've got to have the control that you kind of. And I will tell you this, we have all, including me, been there, where I've gone, How have I put all of that on my credit card? And it took me about a year to switch it back round. I was just living off credit. Yeah, we've all been there. We have. Okay. And it's not a shameful thing. I think that's the other thing. Except that it's okay. Yeah, it's okay. Even me as a financial advisor have got into. Oh my gosh, have I got into this model. You know, because we do. Because we pay for childcare, whatever it is. So first thing is no shame.
- [21:01]
B
Yeah, I agree. No shame at all. There's no shame in debt.
- [21:04]
C
Start talking about it. No, there isn't. No, there isn't. And it's about managing it. Yeah. And don't try and pick it yourself because you're emotional at this point, you're vulnerable. There are plenty of places that you can go and get help. In fact, I could probably send you a few links which might be helpful.
- [21:19]
B
Yeah. Pop them in the show notes. Yeah, for sure. Thank you.
- [21:21]
C
Like national support that, you know, you really can get help because it's very easy to get. Consolidate it out, add it on your mortgage or take another loan to cover the loans. And that's the bit that your monthly start going really high. And the worst credit you get, the less good deals you get on it. So I think that's the thing. And you have to have that realistic look in the mirror that says if these are my outgoings and my income is here, something has to change. You can't just book another holiday because we all need a holiday. You can't because all you're doing is adding to the stress later down the line. You're kicking the can further down the road. Get some support, get some help, get somebody to talk to. And realistically look at my outgoings are exceeding my income. Yeah. There's only two ways out of that. Reduce your outgoings or increase your income.
- [22:11]
B
Yeah.
- [22:11]
C
I can't magic money for clients, but I can get them talking about it. And that is the key. No shame.
- [22:18]
B
And that can create the magic, can't it? I think if we're hiding in shame, that's just avoidance. And that's a never, never a good thing.
- [22:25]
C
It affects everything in your life. You know, I go into companies a lot where I just do a little lunch and learn and we just talk about money. And the. That financial well being spreads across everything. If you're worried about money, Christmas is an anxious time. Birthdays, any time is anxious really impacts your health. I think that money anxiety, I think.
- [22:51]
B
I mean, one thing I've always said to James, I mean we're very lucky. And I say to James all the time, if the biggest thing or our biggest worry is around money, I'll take it. And he's like, what do you mean? I was like, well, for example, we've recently lost friends who've died of cancer. We've had friends whose son died with, you know, a cardiac arrest. I was just like, if that's what.
- [23:11]
A
We'Re talking about, I'll take the money 1.
- [23:14]
B
Because money is just money, as you say, it's got a strategy against it. We can work it out, we'll stop spending or we'll invest in a different way. It's that. And I think if we can talk about more about money. And I think, do you know what, Amy, over the last, what, let's say since lockdown, people started talking about mental health a lot more. It was less of a taboo to talk about mental health. And the contributing factor of that is money. So let's talk about it massively. It's like menopause used to be a taboo subject, so let's talk about that. Miscarriages used to be a taboo subject, but we're talking about that a lot more. So I just think this is another subject where, you know, historically, as British people, we've been like, we don't talk about money.
- [23:54]
C
We, you know, it's vulgar.
- [23:55]
B
Yeah, it's vulgar. And actually it isn't. Because money can be a source of great wonder, you know, can't it? It can do wonderful things.
- [24:04]
C
Yeah. It's lovely to have the choice and the option, isn't it? You know, now I see to clients, they go, oh, know what to do now? Didn't know if anyone come and see me before, I've got a choice. That's almost what an awful thing to have a choice of when you could retire, you know, to provide options for people and unpick. Oh, gosh. I had a client that found a pension with, I kid you not, £250,000 in it. He didn't even know he had it. And, you know, we're not talking like, seriously wealthy people that can afford to lose that kind of money. It was incredible. And that's the thing. So I think with anything you do, if you tackle it with a bit of a strategy, take it heads on, remove all the shame, take away those fears by starting to talk about it. And that's really my driver for all the things I do. You know, I do do a bit of Instagramming, what have you, that was purely about sharing the knowledge. I've got this knowledge. I'm really lucky I can share that with people. As much as, you know, they want to listen.
- [25:06]
B
Yeah. They've got to have an appetite for it.
- [25:08]
C
Yeah. But it's enough to make people say, okay, okay, maybe it's not that scary. Oh, okay, that makes sense. Or I might just pick up the phone and talk to somebody about that.
- [25:17]
B
I think what you've been saying as well is very similar to a lot of different things, isn't it? We can talk about dieting. It's been on the news again this morning. And it's like there is so much information out there. You know, take this pill, take this injection, go on this diet, look after this, cut out carbs. You know, there is so much information. It's a bit like money, as you were saying right at the very beginning of this podcast. You know, bank with this, bank, do this isa, you know, go with this credit card. Is there so much information? But as you say, every single individual is so different. Their desires, their dreams, their plans, their emotions, their responsibilities are so wildly different. So why are you trying to find all of that information in? I don't know, it's just. It's too much. Simplify it by finding it's overwhelmed. There's too much information. So coming to speak to somebody like you just can help with that. So, so quickly to find what's the right strategy for you and simplify it, isn't it?
- [26:13]
C
Yeah, yeah. And I want to take that away, though, that people have to come see an advisor. I want to give them an option where they can do some of this self stuff, you know, but even if they.
- [26:22]
B
You just point them there.
- [26:23]
C
Yeah, exactly.
- [26:24]
B
I love what you said, you know, about choice. I think so many people like, like you and I often speak to people and all they want is, I want freedom, you know, and freedom financially is important, but I also think freedom also comes from having that peace of mind, free from the fears. And what you're saying is that you can give them both, both of those things, Freedom from the anxiety and the worries and the fears by giving them simple knowledge, simple strategies. And then you can also give them that financial freedom that gives them the choice to say, do you know what, you can go off on a, on a yacht and travel around the world? Or do you know what, you can spend six months in the year at home and then you can spend six months traveling. Whatever it is that you want to do, that's exactly what you're giving them.
- [27:08]
C
It's really interesting. Our strap line at the my company is peace of mind is the greatest wealth you can have. And I think that that is true. You know, if you can have that peace of mind with the strategy, then you're all good, aren't you? You can create the choices.
- [27:24]
B
I often say to people when I talk about joy, that there's a recipe for joy. And the foundation is peace of mind and health of body. So one of those things is peace of mind in every area of your life, including your finances. Thank you for coming on. How can people find you, my lovely? How can they find you? I know I'll pop your website in the show notes, but is there any other way that they. Is there anything else you'd like our listeners to know about you and how they can contact you, follow you, work with you?
- [27:51]
C
So I've got. Luckily, okay, we were in Twyford, Nick and Henny on Thames. But, you know, we do so much through Zoom teams and that we don't need. You don't need to be local to get in touch. And I've also got a fabulous team of advisors as well now, so it's not just me. I've got a huge team and they've all been homegrown, which is really important to me because I wanted to make sure that they carried the same values and care of clients. You know, I think that's so important. We really care about our clients. So Goodall Smith Wealth Management is the company. We're on Instagram, we've got a website. Just get in touch and someone will give you a ring and, you know, we'll support you in whatever way we can, really.
- [28:34]
B
And I know you will because I know that you come from one of the most beautiful, loving families ever. You're all about the love and. Oh, just love to you, my gorgeous friend. Love to your. Love to Mags and Dick and everybody I spoke to. Good balls this week and just. Oh, I said love to. I did send love to everybody and thank you, thank you, thank you, thank you. You've been a joy. Thanks for spreading the joy.
- [28:56]
C
Thank you so much. Oh, it's such a pleasure. Thank you, Ali. Take care.
- [29:02]
A
My mission is to spread love, love, joy, peace and abundance to as much of the world as I possibly can, so that every person knows that they don't have to walk alone in their darkness. So if you've enjoyed today's podcast and this episode, I'll be so honoured and happy if you would support my mission and share this with your network, your friends and your family. Please feel free to leave me an honest review on Apple or Spotify. And until next time, remember, the ripple of joy starts with you.