The Type A+ Podcast Episode 47 - A Master Class in Type A+ Finances with Kahlil Dumas of UNSTUCKKD
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Episode Description:
As a Type A person, financial planning can be an extremely daunting task. Some of us anxiously avoid talking about or evaluating our finances, and some of us over-monitor ourselves to the point of exhaustion. If you're anything like Beth, you may end up between the two depending on your current situation. This week's guest will help change that. As the CEO of UNSTUCKKD, host of the UNSTUCKKD Podcast, CPO at Her First $100K and Senior Product Advisor to 1AND1, Kahlil Dumas wears many hats.
KD's multifaceted background has led him to pursue an array of passions, and to help countless entrepreneurs build profitable, revenue goal-crushing businesses. In all of his work, Kahlil aims to demystify finances for everyone, and noticed a few key patterns that are holding Type A people back in their personal and business goals.
Beth and Kahlil chat about "The Tiger in the Bush," getting Unstuckkd and unblocked with money, and the little habits that drive big change.
About Kahlil (KD):
Kahlil Dumas, also known as “KD,” is a serial entrepreneur, podcaster, and business advisor.
Kahlil is the CEO of UNSTUCKKD, host of the UNSTUCKKD Podcast, CPO at Her First $100k, and Senior Product Advisor to 1AND1.
Kahlil is committed to helping you heal your trauma with money, redefining what generational wealth and prosperity mean to you, and setting you up with a financial foundation to make you rich.
Links mentioned in the episode:
WEBSITE:
The Type A Plus Podcast Instagram
HOST:
Beth Lawrence & Company Instagram
Beth and other Type A+ Guests will be back each week, delivering bite-sized tips on how to optimize your work and life.
GUEST:
Links:
Website: https://www.unstuckkd.com/get-unstuck-start-here
Budgeting guide: https://www.unstuckkd.com/store/p/unstuckkd-bugeting-guide
Instagram: https://www.instagram.com/unstuckkd/
TikTok: https://www.tiktok.com/@unstuckkd?lang=en
Podcast: https://podcasts.apple.com/us/podcast/unstuckkd/id1608991504
Episode Transcript can be found below:
Beth Lawrence: Hello, type a plus listeners. This is Beth Lawrence, your host, and welcome back to the type a plus podcast. I'm very excited to have Khalil Dumas on the podcast with us today. I have been a fan of Khalil's work for a while without even knowing it. And we were finally able to connect thanks to LinkedIn.
I will let Khalil introduce himself. Please introduce yourself to the audience. Tell them a little bit about you.
Kahlil Dumas: Funny how LinkedIn works, right? Like I've met so many awesome people through that. So Beth, thank you for having me on. Good morning on the West coast, really early here just getting going, but my name is Khalil Dumas.
I wear a lot of hats. So buckle up. I'd like to kind of give you a little bit of a high level. But currently today I have my own company called unstuck media company that helps people get unstuck in their career life, finances, and business. I serve as a CPO over at her first hundred K. I know some of you may have heard of that brand under Tori Dunlap.
A really, really great friend of mine. We've been working on that company since 2015. And then I also work as a senior advisor and an owner of one and one, which is a health. Forming app, you can think of it as like Noom for habit forming. And so that's something that I really do. Cause you think about getting unstuck.
We think about getting your money together. It all falls under the habit bucket. So I've figured out a way to kind of weave all these things together. And so that's what you find me to find myself doing Monday through. I hate to admit it sometime Sunday.
Beth Lawrence: Yeah. It's a little bit of an all encompassing thing when you wear as many hats as you do.
Thank you so much for being on. I, I've been a fan of Tori Dunlap's. For a long time, listen to her podcast, excited to read her book. And I'm just excited to hear about you. It sounds like you've been doing a lot of different things. That's something that I talk about with a lot of my type A plus guests is just wearing multiple hats.
So what would you say, how does your type a manifest? How does that, what does that look like for you and all these endeavors?
Kahlil Dumas: You know, it's so funny when I was getting ready to come on the podcast, I had this moment when I was getting ready this morning, I was like, am I type A? Like maybe I am. Maybe I'm not.
That's literally my relationship with being type A. I would say that it's, it's a blend of, it's a blend with my ADHD as well, which I don't think helps sometimes because I can hyper focus on being type A. I would say in my most recent years, I've really tried to curtail because when I think about type A, I think about being a perfectionist.
I think about everything needing to be hyper focused. In a duck's row. And I think back to when I was stuck, the most was when I was in that mindset, when I was prepping to launch a business, when I was prepping to approach something, someone about something, it was always, I got to have the right talking point, hope they receive this well, or this business needs to do X, Y, and Z in order for it to feel good to me.
And that never really served me. I would say that it did a really good job of helping me overthink things. To a point when I would actually do it, I'd be like, Oh, well, I didn't need to do all of that prep. So in a really shortened way, I would say that it manifests. To not serve me a lot of the time.
I would say there are a few times where when you think about things in marketing or when you think about things within product, like type a cancer review, when you're trying to, you know, really pay attention to details when you're really trying to, make a seamless experience. But what I've also learned is like, there's no such thing as perfection out the gate.
And I would say that is the biggest thing that I've learned from Taipei. So I would say it manifests really as a teacher to show me a lot of the times what not to do, but I only really realized that after the fact.
Beth Lawrence: Oh yeah I relate to that so much when you get that bird's eye view or when you finally, you kind of just stop yourself and say, what.
What am I doing? What? Yeah. Like, why am I? I, especially I've talked about this on the podcast. The podcast is actually that exact thing for me. I was such a perfectionist that it took me almost two years to launch, even though I had the name, I knew what I wanted to do. And then one day I was just like, you know what?
Just record an episode and get it, make a graphic and put it out there. And then when I did that, I was like, well, that's not that, that's not that challenging.
Kahlil Dumas: Totally. I mean, I think like, again. I go back and forth with this relationship. I would say I'm really good at being self aware of my type A, so I don't let it really manifest the negative ways.
And I would say the biggest thing that I've learned is I support a lot of type A people. I know how to support a type A personality. A lot of CEOs that I advise are obviously type A. And I would say mainly what I do, even. Outside of my hard skills, my soft skills is giving them that touch rock moment to bring those realizations about awareness to them as well.
So I've also used my platform and use just my experience being type a to help others who maybe are a little bit deeper in the type a manifest more positivity because again, like I see it, it leads to a lot of things. And, um, sometimes you can say it's positive, but I would say more times than not, it's, it's not great.
Beth Lawrence: Yeah, I think that the thread of a lot of the guests that I'm talking to is that perfectionism really does hold us all back. We feel like being, being perfect is the way to get ahead, but I feel like being agile and understanding that you need to approach things with different angles and different in different times and do things when you're supposed to.
So I love that you help people who really have huge ambitions and big ideas hone in on these little things that might be holding them back. I think some of my listeners also have ADHD and also deal with that duality. So I'd love to hear a little bit about that from you.
Kahlil Dumas: Yeah, I think the biggest thing when I'm supporting folks that are type A is one, there's just never satisfaction.
Um, It's this, I would say that the goalposts is always moving. Imagine a kicker trying to kick a field goal and they keep moving the goalposts. And it's like, you can never quite hit it. And it's funny because what I've noticed is it's almost like this game that they're playing with themselves.
And sometimes I feel like they realize they're playing and it's a habit and they feel like this is like a comfort for them to be in that mindset to like, always want to pick something apart or to try to, belittle accomplishments by saying what's next, right. Instead of just enjoying the moment.
So I would say that plays a huge role. And the part that habit plays is that they've built the habit of doing that. And it wasn't something that they just woke up and started doing one day. It was a learned behavior. And that's even the most interesting thing is for, for some of my clients have got an opportunity to like actually meet family or close relatives or spouses.
And you start to see. Our environment impact that as well. And I think that's a factor that I don't think people fully see either. So really when it comes down to people, who are type a and when we start to look at kind of some of the things that, that they're doing again it's.
belittling accomplishments. It's, you know, trying to always find something wrong. And I think that is really the crux of Type A is I have to identify something's wrong. And I think I always take it back to science. Our brains were designed to prevent us from being attacked by tigers who were hidden in bushes, like back way, way when we don't have that problem anymore.
So what's happened is we've created our own problems. We've created our own tiger in the bush, and that has become a habit of dodging that. And A lot of the moments I try to just be still with these folks and say, Hey, let's just stop for a moment. Like you're safe. We had this result and I think it's great personally.
And this is what I think is great about it. Like, what do you think is great about it? And it's always funny how when I frame it that way, there's this little bit of a reluctance to break out of that type A and admit that good things are happening. And it just really light as day. That lesson.
Lands every time, whether it's a little more rough to start off with, but that's one of the lessons I always do is like trying to reframe how they're doing and thinking about things. Cause again, like I've watched people accomplish some of the biggest things you could, someone could ever hope to accomplish.
And as they're accomplishing it, it's actually more depressing in that moment than it actually is celebratory. And that's something that I've just noticed big and little with type A folks is it's like they can find something big and little to hang on, even though what they're doing might be amazing.
Oh my goodness.
Beth Lawrence: Yes. The tiger in the bush. It really is something that we created or that we evolved to over time to protect us and for me, I feel like definitely having that sense of control or like you said, being that person that finds the mistakes, especially in a work setting.
Or an entrepreneurship setting, when you're the one that's finding the problem that you need to solve and trying to figure out the solution for it, every milestone can probably feel super heavy because then it's also like you are realizing that the dream that you had is coming true. But with that, it means you have to level up every single time.
And that thought of leveling up is probably terrifying and we don't even realize it.
Kahlil Dumas: Absolutely. And I would even take this. Example in less than a step further, and this is where I take it. If I'm having a hard time breaking through, it's like, think about think about how critical you are during your workday when you're looking at things when you're trying to optimize things.
We're trying to hit goals when you're running teams and pretty brown puts it really well. Like when you get home, you gotta take your armor off. You gotta like surrender and be vulnerable. I would say most people are really bad at that, and it's not A knock. It's just really the truth. I'm I'm in that boat too.
So when you really are critical in your workday, when you're critical in the time that you're doing, you're spending the most time doing something working. It's really hard to switch those off and change your habit to your personal. And I always think about that. So if you're being just as critical in your work, you're going to be just as critical to yourself.
You're going to be just as critical to your partner. And so you watch this kind of metastasize. And so that is something that I always say is think about. When they say like, be easier on yourself, pretend like you're talking to a friend.
I try my best in my work to do that. I, especially with my teams, I think the biggest thing that I try to do is always give people the option to do it the way they want, I always say there's a hundred ways to reach the same result, but a type eight person would convince you there's only one way to hit that result.
I would say that's the biggest thing and work life personal. That is the biggest thing that I would. Call out to people is just because you're being type a in your work doesn't mean it just stays in your work and most of the time you're going to spread that through most of your life and you're going to feel that.
Beth Lawrence: Yes, that is all true. And I feel like we also don't typically ask for help. A lot of us are the hardest on ourselves in our own heads and we do it constantly all day, every day. I think one thing that you just hit on is.
The kind of stopping and really looking at what's going on. And I think that's even hard for type a people. At my worst, I schedule myself completely, almost 24 seven and I still am hard on myself that I'm not getting stuff done and it's because I don't want to face it. I don't want to give myself time to face whatever it is that I'm anxious about or being type a about.
I'm so glad that you. Are able to apply lessons, not only to yourself, but to be able to help others with it because that's really, really hard. People think of type a as a positive thing. And we don't always think about the things that might be holding us back or keeping us from the greatness that we're able to achieve.
I know we talked about this in our first meeting and also just hearing your background.
How do you think being type a either? Yeah. Was helpful in your career or hindered it. And I say this because both of us are multifaceted. We've worked for different industries and where a lot of different hats were entrepreneurs were consultants. We don't have a traditional career path. Can you tell me a little bit about that?
Kahlil Dumas: Yeah, I would say if I take it, you know, I'm turning 30 this year, so I take it, nine years ago, back to like when I was a beginner versus today, I would say that I didn't know enough in my, in, in, in just really speaking about works.
I think that's really where this shows itself. I didn't have enough confidence or experience to really feel like being type a, I think really, it was just a lot of worry that I wasn't doing it right because I knew I wasn't doing it right. Cause I was new. And I think in a way. Type A can manifest there because I had this benchmark in my head of what it should look like when in actuality down the road, what I was actually doing that young was actually better than what most people were doing 10 years in, but I couldn't give myself that victory lap.
I didn't have that awareness yet. I would say today where it's helpful is I can turn on my type A as I review something, as I am looking to optimize something, if I'm having a conversation with someone who really wants in depth feedback, I'm able to turn that on. Pick it apart. But as I do it, I do it with a lot of empathy because I think about being a type A person and how it's really hard for me to receive feedback.
And even if it's great feedback, it's warranted. There's a piece of me. That's like, ah, see, there you go. You weren't good enough. And I can't just accept the feedback from a. a well meaning person who's like trying to help do the work and also realizing that's a really good thing to ask for feedback and receive feedback.
So I would say today, now I'm really good at turning that on with empathy. I think that is the key to making type a helpful. If you can turn on your type eight with empathy, which kind of, when you think about it, you're like, well, those two things like go together, like oil and water, it, it feels like that.
It totally does. Even when I do that exercise but that's the purpose is I'm trying to make sure that I'm keeping that type A in check, really to take care of myself. And sometimes take care of other people. Cause I know that some others may not receive that type of energy the way I do.
So what does that look like? That looks like even in my own work pointing out, what did I do really well? What about this is going really well and recognizing that and. Full stop acknowledging it and then going, okay, with that being said, what are some things that like right now are pretty loud in terms of what I think should be fixed, right?
And is it warranted? So I would say that is how I've made my type a helpful where it wasn't helpful. And this is just me being a type A for a little bit is like, for example, wanting to start. A business for years. I supported people. I think to this date, I've, you know, between the startups, et cetera, I've made people about 55 million.
I wish I had that in my bank account, but I have made people a lot of money doing the work that I do. But for whatever reason, I never felt like I was qualified to do the thing on my own. And it's just one of those subconscious things that just always festered. And I think back in.
Really attested to writing the ledger or being type A thinking I need steps one through 500 written out and perfected when in all actuality, I just needed to get started because I'm already really good at optimizing at every step. So I share that lesson and hopefully someone listening to this is a young Khalil back when they're 20.
You know more than you think you're way more prepared than you think because most people aren't really thinking about their work at that level Most people aren't thinking about optimizing their lives like that is you're already ahead So I just wanted to say that's really how I think I've made my type a helpful over time But man, it's it's been a tough road
Beth Lawrence: Yeah, that absolutely you pointed out so many great things because I feel like That also, if you don't know your impact that your work is bringing, or if you're constantly self critical, that's going to manifest itself in your resume might not showcase your talent in the right way.
You may not even apply for things that you're really qualified for because you're telling yourself that you're not qualified. And so that can, you know, those are little things that can change the entire trajectory of your career. And I definitely know there were times that, for example, I should have negotiated financially.
And I didn't because I was like, well, they're thankfully they're giving me a job. You know, it was right after the recession. Like, thankfully I have a job. I'm just grateful to be here. I shouldn't negotiate. And I feel like I want to talk to you a little bit about the financial impacts of this because
Kahlil Dumas: my favorite.
Beth Lawrence: Great. Amazing. Feel free to jump in at any time. I feel like, I feel like I used to run from financial discussions like most of my life, even when I was doing well financially, it was so much easier for me to just ignore it and, just pay the bills and do it. But the thought of talking about investing or talking about building wealth, it was like, what are you talking about building wealth?
I'm just trying to survive, you know, in some instances. So how does that, do you type, do you find that a lot of type a people. Are either avoidant with money or look at it so closely that like there aren't even able to see the big picture.
Kahlil Dumas: I would say that it's a pretty big spectrum, uh, just in the space of, being a money expert, having, consulted online really like thousands of people on money.
I would say that you could pretty much see a flavor of everything, but the two biggest things that I see is. A type a person who's not good with their money. They may be in debt. They might not be as far along as they want. And there's this really, really loud shame that's constantly playing. And I know this because this was me and I'd still fight against this.
Even in the position I'm in today, like I still have to keep that voice at bay. And a lot of the time is you really think you're more behind than you actually are. And even if you are, you really beat yourself up to a point where it doesn't, it doesn't help you. The thing about money is we like to think that we have control of it and we have the power to change.
And we most definitely do in some aspects, some facts that I always drop your money habits and a lot of your actual habits are formed by the age of seven. So From a really young age, you already are predisposed to whatever your parents have exposed you to. In my case, I grew up with a single mom on, on TAMF, which is a temporary assistance for needy families.
Like I grew up in a scarcity mindset. I grew up with a dad who never worked for anyone. He always had his own business, which came with its own kind of trials and tribulations. So a lot of my money habits were around scarcity. I always, and then this is something I just talked to my wife about a couple of weeks ago, this feeling of always feeling like I was going to lose it and doing things to self sabotage and.
Actually lose it. And that was really fascinating and actually is why when I started unstuck, I put it under the umbrella of money. I did a similar exercise. I went to college. I was really bad at math in which really bad. Schools growing up and math was really hard. So what did I do? Basically majored in business economics, which is all calculus.
I really wanted to prove to myself that I could do math. So I did the same thing with money. I was like, I want to prove that, I can do money. And I come from a background where I actually worked for a bank. I worked for an investment group. Like I took my Siri, I wish I went to this. To the actual center to take my series seven, which is the test you have to take in order to become a financial advisor.
And I actually left because I wanted to go help normal people. I didn't want to help ultra wealthy, get more wealthy. And so that's one, one side of the token. Then you have people that are that like overdo money to a point where. They don't spend on themselves. They don't take care of themselves.
They deny themselves joy. They don't value spends like they just are living in a constant state of fear with money. Like I'm going to lose it. So I'm not going to spend anything and I'm going to constantly manipulate my environment or, try to control how my friends are spending money so that I don't have to spend money.
Like it, it becomes. This, this sideshow constantly things are always about money, which I think is even more detrimental than shame when you're really, your whole life kind of revolves around that. And I would say that I have this duality where I can feel both because I think that is just the true nature of money.
You deal in shame and you deal in overdoing it. And so really where I would help people is. Uncomplicate money. You're allowed to spend your money, but you can't afford everything. So what are the two, three, three things that you really love and love spending your money on? Right. For me in my money categories, it is first and foremost.
I love traveling. I love investing. And I actually had to put that as a money category. Growing up when I was wanting to invest, I would invest too much to a point where I would like not have money in my account to pay my bills because I was putting it all in my savings or investment accounts. Like, okay, that's not, that's not sustainable.
We don't have to go that far. And also just like eating out. Like I love to just take my wife out and go eat out. So those are like my three spinning categories. I would say where I'm able to protect myself from my type A is setting up systems. So all these automatic transfers, right, when I get paid, and again, business finances are, are, are way different than I think, your personal finances, but in both worlds, I set up systems to save how I want to save for homes for kids.
I, put money aside for a rainy day. I have automatic transfers to invest roth and into my brokerage, like everything is set up on an automation so that I don't have to really think about money past, like not overspending, obviously. And that's where I always tell people to hold a budget, which is something I'll link below, but I have a budget budgeting guide and walkthrough.
That's something that I get tons of comments about when I do my, from that video that I do a walkthrough in. And then I always start off talking about, this is not your fault. You can't do money without grace. If you are trying to do money and you don't have grace for yourself, like you're failing already, like if you're Type A, then consider that a failure, that you are not giving yourself grace.
And that is such a nice way to turn type A on their head and be like, oh, okay, well I have to give myself grace forces you into a new habit. So I would say those are the two extremes that I see. That's how it's manifested in my life. And those are the things that I've done to help.
And that's how I continue to help people is really at the end of the day, whether it's money, career finance, what we're just talking about at the top of the conversation, you've got to give yourself a lot of grace because this system of the patriarchy and, living in capitalism is so much bigger than us.
And there's so many factors that we can't control, that it's so important that we give ourselves grace to the things we can't control and can't control.
Beth Lawrence: I feel like I should just be quiet and just let you, just let you go. Oh my goodness.
Kahlil Dumas: My little masterclass. Welcome to my masterclass. Thank you.
Beth Lawrence: Yes.
Well, that's what the podcast episode is going to be called. A masterclass on type A plus finances. Yes. Yes. Yes. You spoke to definitely the duality. I have been both of those people. I also think one, I'm wondering for entrepreneurs, I listened to one of the financial feminist podcast episodes about when you have basically unpredictable income and I feel like that was the hardest part. I think the five, first five years in my business coupled with that shame of feeling like. Man, everybody thinks I'm doing well. I feel like I'm super behind and that shame definitely leads to avoidance.
And then I got into another spot where I was like, okay, well now we have money and now I have to watch every single cent that comes out of my bank account. Yeah. And when you're married, it's really, really difficult because you have to do that with a partner and plan all of those finances. What's your advice for someone who's type A but maybe has an income that fluctuates?
Kahlil Dumas: Yeah this is a tough one because I totally can empathize with how difficult it is. How I've navigated it is, again, we'll go back to grace all the time. That is just, But the thing that I think helped me through, I'm in year two of my actual business.
So, you know, not to say that I haven't had startups, et cetera, like this is the first time where it's like my thing. And I would say the biggest thing that I've focused on is one money comes and goes, that's just the reality of money comes and goes. And that doesn't mean that when it goes, it's at zero, that just means it goes.
So there's going to be times when you check your account where you're like. Damn, I got a lot of money in my account. There's gonna be times you check the account and you're like, well, this is lower than the baseline usually is. And instead of just stopping there, you got to ask why, what am I doing? Why is my money what, Oh, it's working.
Oh, okay. I have a staff member now. Oh, I'm delegated something that's actually saving me time and giving me peace of mind. Oh, right. Like I've invested in this coach or this software to help me. So really when it came down to it, like first and foremost, like money comes and goes, I would say too, just being super honest with the entrepreneur side.
Finances aren't really well set up. Like they're confusing on purpose on the personal level, but when you get into the business level, it becomes ultra confusing for a reason. And I'll just give you like an example, I would say like the biggest thing is like when it comes down to it with entrepreneurial and money it's taxes and your ability to do that well, um, your ability to spend and write things off, be organized, this is where like type A really takes off and if you're someone that can really track and be organized, it's only going to benefit you. So the first year of doing my business taxes, I think I saved about 45, 000 for taxes alone. Like I just, so when you think about my whole year, I was taking almost 50 or 60% of everything I earned and saving it because I was that paranoid that I would get to tax time and be like, I don't have any money.
I knew this was a mistake. Like I wasn't ready. Like I was already like preparing for doomsday that tax year rolled around. And because I had done whatever I needed to do, I only owe 2, 000. And it was like this thing of one, while systems rigged, like between business and personal, they definitely are giving business folks huge tax breaks because we're employing, we're, we're doing a lot of good things, but also the system is a little corrupt and it's not really equitably made.
That's a real thing.
Beth Lawrence: You're kidding.
Kahlil Dumas: Right?
Beth Lawrence: I've never heard that before.
Kahlil Dumas: Yeah, this might be news to a lot of you. It really showed me again there you go, over preparing, over freaking out and everything's fine. Um, so I would say that those are, like, the two biggest things that I've learned is one money comes and goes, and two it's, it's not gonna be that bad the other people are doing it a lot worse than you.
So you're going to be fine, especially as a type a person, you're going to cover your bases more than you probably need to. And so that those are the two things that I would always say is again, like you're going to over prep and give yourself a lot of grace.
Beth Lawrence: Oh, I love that. That actually just, just happened for me.
I was meeting with my bookkeeper and we were doing, our quarterly meeting and she said, well, you can take X amount out. Of your account and profit. And I was like, what, like, I was worried about taking a third of the amount she told me to take and like stressed about it, looking at my balance going I don't think I can do this and.
That definitely is because I'm so type a, I now have like a projection sheet. I use air table. If anyone's listened to this podcast before, they've heard me talking about air table. I know it's so good. Yeah. For the type a people, my God, it's the best. But I feel like just looking at my projections and knowing what my expenses are, like those little things were so scary to me a couple of years ago and now they're second nature in my business.
So definitely great advice. I have loved talking to you. I could talk to you absolutely all day. Um, is there anything else that you want to share with the listeners in terms of definitely share obviously how to get in touch with you? Anything that you have coming up?
Kahlil Dumas: Yeah, I appreciate that a lot. Yeah, you can follow me on all socials at @unstuckkd and it's "Unstuck-kd", which is my initials. It takes people a minute to get there. And it was so funny that everyone has that realization. Oh, that makes so much sense. I have a budgeting guide and walkthrough, which we'll, we'll attach on the bottom and I also am going to be hosting a debt buster workshop next month we're going to debunk all your misconceptions about debt and I'm going to teach you a very sustainable way to pay off your debt because when you talk about type a and paying off debt, that's a whole nother can of worms that we'll have to open next month.
Beth Lawrence: Yes, absolutely. Please give me all that information. We will link it and consider me there because I definitely would love to learn more from you. Thank you so much again, Khalil. This has been great. I hope to keep in touch with you and we'll definitely get the listeners some more financial confidence.
Kahlil Dumas: Amazing. Thank you so much for having me, Beth.
Beth Lawrence: All right. Have a great day.