Welcome to Ditch the Suits Podcast where we share insights nobody in the financial services industry wants you to know about.

We're here to help you get the most from your money in life.

So buckle up and welcome to Ditch the Suits.

Welcome to Ditch the Suits podcast.

I am Steve Campbell here with my co host Travis Moss.

If you're brand new to Ditch the Suits, I serve as the Chief Brand Officer at Seed Planning Group.

Travis serves as our ce.

Seed is a fee only financial planning firm where we have a fiduciary obligation to put our clients best interests first.

So Ditch the Suits is us bringing our years of collective experience together to really help you as the listener, get the most from your money in life.

And this is going to be part two of a conversation that we're continuing on really talking about death and how to pick up after the loss of a loved one, but give you some ideas that you can maximize the conversations that need to be have.

So Travis, I don't want to steal the thunder of the conversation.

Why don't you help people understand part two and kind of what we're going to talk about today.

All right, so.

So we have this question that was posted and I was, I wasn't going to read it again but I think it because you can go back to last episode and listen but like anybody, I think sometimes when you hear it more than once it resonates a little bit better.

So I'm going to read it again.

My question is what do I do?

Since I lost my partner, I now have the farm we both had and still on the farm, but we have been told it has increased in value.

I want to move but am not ready since my mom has decided to be closer to me and I feel obligated to stay because of her.

They go on.

I don't want whoever buys the property to be under if the market fails or falls as I could not justify someone being upside down.

If the market goes down, goes and then they go on.

What advice would you give me on what to do and not to do at this point in my life?

Now we don't know this particular person is at Don Bowles 6386.

But most importantly, in our last episode, we answered the first part of this very big question.

But we purposely did not get into the financial calculus of the issue.

Yeah, we literally did not talk about, okay, what about the money stuff.

In fact, we went out of our way to say sometimes you got to make a decision not about the money.

But we wanted to say those numbers for this and then give maybe a little bit of final advice on the situation overall.

So this episode was the last.

This is for you and anyone else in this situation, Don, and trying to navigate kind of their.

Your way through very similar type of difficult situations.

I don't think anybody ever has the exact same situation as somebody else, but I think people do have very similar situations.

And I think there's a lot of people walking this path and trying to figure out, you know, come to the conclusions of these.

And although the question was very good, most of the time, that question, the person who's posing that because they're struggling with the decision.

There's a lot of emotion and a lot of just raw power behind that question that is just kind of holding on like a thread.

So if we can help you kind of reconcile that in any way, that's our goal with this.

Yeah.

And I think this episode will be helpful.

Again, ditch the suits.

Listeners span different ages, different backgrounds, different geographies.

We're all in different seasons of life.

You may not have ever experienced death.

And you're like, why should I listen to this episode?

Maybe you have a mom or dad who's dealing with death.

I think that this conversation, death is coming for all of us at some point.

That's not a morbid statement.

It's the reality of it.

In just helping that this might be an episode that maybe you share with somebody that's going through something, somebody who's trying to pick up the pieces in life, like Don right now, again, trying to do the right things, trying to make the right decisions.

But there's a weightiness to it because the one that they were making decisions with isn't here anymore to share their opinion or how they feel.

So you said you want to talk dollars and cents.

Give us maybe some perspective now, you know, really around Don's situation of some things you might want to consider.

Yeah.

So in my experience, this is.

It's really normal for someone who's lost somebody to feel.

And I think we talked about this, like they're unworthy or.

I've heard this so many times, people.

I'll just start over.

It's hard to start over at certain ages.

Like, it's in thought, I'll just start over.

But, you know, age has a way of catching up on you, and that's not necessarily a super healthy.

We want to start over from a standpoint of life's got to continue and we're going to start a new chapter.

But you don't start over from a standpoint.

Of the past didn't happen.

And we're not who we are today.

Right.

Like you.

You don't just get to skip that part.

So people have a tendency to try to disinherit themselves.

I've seen it with women and I've seen it with men.

I've seen men, some of the strongest men I've ever met in their 80s, in tears because they don't deserve anything that they have because their wife was the only reason why they had anything.

They were their reason to get up in the morning.

They were their reason not to be a little wild thing when they were younger.

They were the heartbeat that made that body go right.

And I've seen women that, you know, everything I have is because of my husband and I don't need it.

I'm just going to give it all to the kids or I'm going to, you know, I don't deserve anything more.

I'm fine where I'm at, you know, that type of thing.

You do.

And there are financial realities of your situation and we need to be careful that we don't disinherit ourselves, that we don't give everything away, that we don't refuse to address our financial realities, that we don't spoil kids.

I've seen people spoil kids in the worst ways.

When one of the kids parents you mentioned, I think earlier this episode or last episode, you know, if you're.

If you're younger and you've got younger kids and one of the.

Your spouse passes away, spoiling the kids.

Spoiling the kids.

Whether both spouses are alive or one spouse is alive is never good.

It will make you feel better for a little while until the kids.

So the kid can't be independent someday, you know, and if you're trying to represent the legacy and the memory of the person that you've lost, spoiling the kids is probably not what they had in mind.

But I always come back to, you do not need to deprive yourself just because you've lost somebody.

It's not your fault and you don't know, you don't need to go without because you've experienced loss.

That grieving process that you go through, the despair that you feel that says, I'm not.

I don't need anything and I'm not worthy of anything and it doesn't matter anyway.

That is a season that you're going through.

Yeah.

That we need to get through that season.

When we get through to the other side of that season, if you've given everything away, we.

A Lot of times can't go get it back.

And so we need to, you know, like when I was saying six to 12 months to decide what to do with the farm.

Six to 12 months, really decide what to do with most things.

Right.

You need to.

You need to make sure that the emotions aren't driving things.

And even if you think you're really calm when it's happening, I mean, you probably have emotions, you're just burying them, you know, so we want to be very careful with that.

You want to think about what and why.

Did your significant others set things up the way that they did for you?

So did they set things up?

Did you have that.

Those conversations and talk about, did we set everything up right?

Did we get professional help to make sure everything.

All the boxes were checked?

Is this going to work?

And why did you do that and what was the purpose of it?

That gives you permission.

Like if your spouse sets you up so that you could be retired and they pass away and you get that money and instead of retiring, you give it away to the kids, what did you do?

Yeah, that's not why they gave you the money.

They gave you the money so that you could be financially independent, not so that you would have to work until you're 85 years old or be poor or live in subsidized housing or have to move into your kid's basement or so their kid could have a boat.

If they wanted that, they would have wrote the check, right?

So they wanted to take care of you and make sure that you were taken care of.

Do not feel guilty about that.

You've been loved.

Receive.

You know, this whole idea of being good at receiving, right.

Sometimes the only thing you can do is allow people to give to you.

Because you.

If somebody wants to give to you, it's because they see value in you and they appreciate you.

Let them give to you.

Don't spit at that by saying, okay, it's great.

You give that to me.

I don't deserve it, and you get rid of it.

They would have made that decision for you if that was truly the case.

When you're grieving, you're in a situation where you can't see that sometimes.

So it's always go back to why and what, right?

Why was that put there?

What was the point of that?

They could have done it different, and they didn't.

Why?

Or they tried to do it.

Why were they trying to do it?

You know, what was their intent behind it?

And I think that that helps people deal with this kind of natural Tendency to say, I don't deserve.

Well, and Travis, I was just thinking about, too.

I mean, again, unless you've been on this side of the equation, you don't know what to expect.

There are some people that when they lose a spouse and the accounts are being settled and money's coming their way, it might be significant dollars they've never seen before.

So you're mixing a few.

A vulnerability of the loss of someone with now big dollars and trying to make sense of that.

And what does all this money mean?

There are people in situations that just don't know how to cope, and so they end up spoiling, like you said, because that's a way of kind of, you know, coping with what they're going through.

But retail therapy.

Yeah.

And I, and I think it's also hard, too, because, you know, you had mentioned in the first episode, I think there is a distrust with professionals in the industry, whether it's attorneys or financial advisors.

And, you know, when you're talking about big dollars and settling of estates, just being mindful of, you know, have somebody that' talks to you.

I, I would say the way that Travis is talking to you through your speakers today, have somebody that is allowing you and giving you permission to not only grieve, but to really think through and talk through.

Don't deval yourself or consider yourself unworthy.

So, again, just as a, as a co host man, I appreciate you for these type of conversations.

Well, there's, there's something that happens.

Let's say that one of the spouses handled all the money.

So the money area is them.

The accounts kind of represent that spouse.

The other spouse now gets it.

That spouse a lot of times looks at that money as if it's their other spouse and they're afraid to break it because that's their, that's the, that's, that's the other person.

And so there's, there's, there's a representation.

And people do this a lot of times with their parents.

I've had tons of clients who have gotten stock handed down to them from their parents, and they cannot bring themselves to sell the stock because it was their parents.

And it's like their, their idolizing the stock as if that's the urn on their dresser, you know, and, and that's, that's something that you do have to work through.

But people really, it's a real thing that people will struggle with.

And again, that's why you have the conversation.

Mom and dad leave you stock.

What was their intention of the stock you get to need a want.

You know, do you have.

Do you have what you need?

If you don't have what you need, you know, you have to address that.

If not, you need to make, you know, like, if you don't have what you need, you need to address it.

If you do, then you can just kind of proceed to, you know, focus more on what you want.

Which gets back to that maybe not the optimal my financial decision, but it's for your health, right?

And it's to try to get you in the right situation.

If you have what you need, then what are the parameters that you can work within to get what you want without recreating a need?

So again, if you're emotional short time after you've lost somebody, you have.

You think you have enough, you look at it and go, I've never seen a pile of money like that.

I'm gonna, you know, I got some insurance money in here and that kind of stuff, so I'm gonna go do what I want.

So you do what you want.

And then in doing what you want, you create a need again.

You know, you.

You spend more money than you should have.

And all of a sudden now it's going to be a very difficult way.

It's going to be very difficult to retire early or pay the bills when you're retired.

I've seen people do that.

It's, well, I gave money to that kid for this and I gave money to that kid for that, and I bought that over there.

And then it's like, you didn't have enough money to do that.

You had enough money to pay the bills so you could be retired.

You didn't have enough money to buy a cottage or something like that.

If you're going to do something that creates that need again, so you're perfectly fine.

You do something that you want to do, and now you're going to have a need.

The big thing is you just want to do that with eyes wide open.

You want to be aware of what you're doing.

So you're going to say, look, I know I was set up for retirement.

That person's not coming home anymore.

I'm going back to work because I don't want to be home alone.

So I can afford to spend a little bit more of this money and do XYZ with that, you know, so it can kind of cause an effect, some of these decisions that we need to make.

I think that you had mentioned something I think that is very important.

I think that at the point of death, with death Claims there's a easy way for advisors to professional advisors to abuse the heirs of the assets.

And by that in the financial industry, so this is all about secrets the financial industry doesn't really tell you about a lot of times, depending on the compensation structure.

So if an advisor is in a commission oriented compensation structure, a lot of the time they get a commission just for getting you to sign the dotted line, to keep the investments at whatever firm they're in and kind of recycle whatever product they were in at the time.

So that's kind of a scary proposition.

And other times it's, I'm going to help you while you're grieving.

And because I help you while you're grieving, you know, we'll have this, you know, connection and then I can maybe get you to do other things and buy other things from me.

So if you are dealing with having lost a loved one or potentially losing a loved one, you need to seek out qualified advice.

But it's best if you have it in place before you go through the event.

Yeah, right.

Because once you go through the event, your guards down, you're just trying to get things done.

You just want to sign the bottom line.

You don't want to fight and haggle over the money.

You know, you're just like, just, it's not about the money.

I'm grieving.

And then you, you sign things kind of like the wrong way.

Have you ever known anybody who got divorced and they just didn't want to fight us and they just turned everything over and then people are like, what are you, nuts?

And years later they really regret the decision.

That's kind of what happens sometimes when people are grieving.

We're not thinking long term.

Yeah.

You know, we're just kind of stuck in the here and now.

We're just trying to get through today.

I just want to get through today.

I want to.

I want everybody leave me alone.

I want everybody away from me.

I just want to go home and I want to hug my pillow.

That's what I want to do.

So I'm just going to sign this and get it done with.

It's all done.

I don't have to think about it.

But what did you just sign?

That's, that's what's so dangerous, I think, in that particular situation.

Well, and that's what I'm, you know, appreciative of you taking the time to put together some content for Don because, you know, I know we give people a lot of ideas around financial planning and the thoughts and the processes and the mindset and sometimes people want to know like, yeah, but how do I actually do it?

In this case, you got Don asking about a farm.

So I think this will be a very interesting way for you to express from your experiences.

If we were sitting down with Don, what advice or what questions would we ask that would get us to the ultimate place of where we need to go?

Because it's not dictating to Don what to do, but through a series of questions we can have a better eye of what to do.

So talk to us about then regarding the farm.

Again, Don situation.

If you're just jumping into this episode now, Don has lost a loved one trying to figure out what to do with the farm.

Mom potentially is going to be involved some way somehow, but doesn't know what to do because their spouse isn't here.

So when we're talking about the farm, where do we want to start?

Let's pause and hear a word from our sponsor.

This episode is brought to you by the One Big Thing podcast.

If you're in the thick of life as a parent or a spouse and just trying to grow as a person, then you won't want to miss this show.

Hosted by Steve Campbell, the One Big Thing is an interview style podcast where he brings you guests from all walks of life.

Picture professional athletes, influencers, business owners, and even some rockin stay at home moms.

Each episode will bring you as a listener, a life hack or a way of looking at life that will help you move from inspiration to transformation.

Listen to the One Big Thing podcast and all major podcast platforms today.

Well, I.

These are big, big conversations with backstories that you have to get to.

But not knowing anything, what I would want to think about is we'd have to know why you have the farm in the first place, what was the intention of it and what does it represent to you both financially but also on the personal side, that physical, mental, spiritual kind of well being side.

What does that farm actually represent?

Because that's going to be something that could potentially bring you great, great discomfort to kind of unwind or unpack or deal with.

And before you go through the process of selling it or trying to sell it and all those types of things, being real with that situation I think is very important.

For instance, we, we had a conversation with a friend about, you know, somebody has passed away and we have a house and we can either sell the house or we can renovate the house and sell the house.

What kind of trauma do you think somebody would go through Renovating a house that their loved one had built or designed, or it was their dream house, probably a lot.

So there's.

There's parts of.

There's things that there's.

There's no go zones that you might have because of the significance of that item.

And it's very important to understand that as you're kind of working your way through it, because then you can help weigh the pros and cons of the options.

And they're not all just financial, but financial being part of them.

Look, if you're willing to deal with that, you can get this much more money.

If you're not willing to deal with that, you'll get this much less money.

And it just helps kind of frame in what's it cost you to make the decisions that you need to make or to avoid making the decisions that you need to make.

If you don't make the decision, this is what will happen.

I think a lot of times that's what people are missing, too.

Somebody's trying to sell them on how to make a decision.

Well, what happens if you don't make a decision?

And I think it's very important to point out that the listener brings up how much they care about whoever that would buy the farm from them.

They seem really, really concerned that somebody would buy it.

And if the market flips, that that person doesn't want whoever bought the property to actually have a financial hardship for what they paid for it.

So that's how I'm interpreting this.

Yep.

So one way to approach this is here's a creative way.

You could offer owner financing to sell the property, which means you basically become the mortgage company.

So it would be the bank of Don, and Don is doing a mortgage to whoever's buying it.

What that gives you the flexibility to do is to renegotiate all the terms down the road.

So if the price of the Property falls by 20% and you're so inclined to cut 20% off the top, you could rewrite that mortgage and, you know, forgive some of the debts or something like that, you know, so there.

There's.

There's ways to do that.

I think that there's an enormous amount of risk in there, and I don't think that that's necessarily a good thing to do.

But if there's, you know, that type of philanthropy and that relationship, and maybe that was the point of that property in the first place, and maybe there's a relative or somebody that wants to buy that, and that's why you would do that.

There is There are some things like that that you could do to make to try to make it fair.

Another approach, though, is to realize that, you know, anybody who buys something assumes both the potential risk and the potential return.

So if somebody buys the property and the property value goes up, do they have to cut down a check for the difference?

No.

Somebody buys a property and they discover oil on it, do they have to share with Don?

No.

Somebody buys a property and they have a very successful farm and make a ton of money doing organic carrots.

Do they have to share that profit with Don?

No.

So they get the upside.

So really, what you want to think about is you're selling the property to another person based on what that other person thinks the property is worth to them.

Yeah.

Yep.

And they are a responsible party and they have to live with the cause and effect of their own decisions.

So this is again, one of those conversations.

If it's somebody close to you and there was, you know, you're trying to cut them a deal, there may be other things to consider.

But ultimately, if you put that house on the farm, on the market and somebody comes in and buys it, that's their responsibility to do due diligence and understand their financial situation and their capabilities to afford loss or gain.

They're not going to share with you.

If the property makes money in the future, it's not your responsibility to make sure that they make a good financial decision.

It's their responsibility.

Yeah, you did a really nice job of.

It was a short segment in the first episode.

But saying cases of abuse, cases of things, that's a completely different conversation.

What we're teeing up is somebody that has lost a loved one that you're assuming had a healthy relationship.

There's love there.

They're emotional, you know, and maybe in your world, you don't own a farm.

Maybe it's a second home, maybe it's a lake house, Maybe it's your primary residence.

What do I do with this?

So you can take some of these concepts and ideas that Travis is saying and just understand that there are a lot of moving points to it.

But what we've been leading up to is that got to give yourself the ability to grieve.

We don't want to do anything short term or too emotional, and we want to make sure that we are considering all the different options.

Like you said, you presented an option of owner financing, but there is some risk to it.

So that is an idea.

But you want to understand the risk.

I think, though, that maybe then there is a solution.

That, Don, if you.

If you've tracked with us this long, partner, we have given you 56 minutes of our heart to yours, but now we actually want to give you solutions.

So, Travis, what's one way to approach it?

Well, I think one of the best ways to approach this is just to do that gap analysis.

I think we talked about it in previous episodes when we talked about selling a business and whatnot.

But you need to find out what you need financially to move on to the next chapter.

So.

And I think whether.

Whether this is because of a death or divorce or just you and a spouse are trying to move, or whatever the reason is, whatever reason people are moving from one property to the next, you should do a gap analysis.

And so before I explain that in a little bit more detail, I do want to put a caveat.

When you, you know, we've talked a lot about moving on to the next chapter, I just want to emphasize I think I did it in the first episode.

When you move on to the next chapter, you.

You are not forgetting about the past people in your story.

And I would encourage people to continue to use the person that they've lost, to use their name, to talk about them, to celebrate them.

They are a part of who you are now and who you will be in the future.

So, anyhow, the gap analysis by preparing a financial projection.

So you prepare a financial projection.

I was looking at my notes there.

Sorry, it sounded like I was just reading right off of it.

But you're preparing a financial projection to kind of show where you want to be financially in your future.

She's like, here's the ideal situation I'm going to be that I would be in some point in the future.

Then you prepare where you're currently at, you know, based on kind of your current plan.

I would sell the farm for $600,000 or whatever you might do with it.

Right.

Is there a gap between your financial goals and that first projection, the second projection, the goals, and the reality?

So now selling the farm doesn't have to solve all problems.

It may be impossible to solve all problems by selling the farm.

But what it does mean.

Back to the other question about being worried about, you know, somebody else maybe not getting as good a deal because the market changes afterwards or something like that.

Maybe they end up with buyer's remorse or something.

If you have a positive gap, that means you have more than you need.

So that means you look at the gap, and it's not a minus.

You just.

You have extra money.

So if you want to sell the farm for less than market value at that point, to help somebody out, you can do so.

It's not going to affect you.

If the gap, though, is negative, you don't have enough money.

When you're selling the farm based on your plan, anything that you do that's contrary to improving the situation, like selling the farm for less than it's worth is very, very detrimental to you and it could cause a very significant hardship in the future.

Again, not saying that you can't do it, but you have to be wide open to this.

You have to know what it's actually costing you to do it.

You might say, well, it's only $100,000 to sell it for less than it's worth.

But what does that $100,000 cost you?

Does that cost you an extra three years worth of work?

Does it mean you have to go back and get a job?

Does it, you know, like, what does it mean?

You also have to, though, stress test these results.

So in most situations, when you do a projection, so you do these two projections, everything's built on the same expectation.

Oh, we're going to make 7% a year on our investments and get 3% a year on our Social Security for the rest of our lives, blah, blah, blah.

And look, we got this nice little chart here, shows how rich we're going to be someday.

The world doesn't happen like that, though.

There's the thing called sequence of returns.

You don't get 3% inflation every year.

You get 1%, 0%, 3%, 2 and a half percent, that kind of stuff.

You don't get 7% a year.

You get 15%, 0, negative 5, 32, stuff like that.

So you have to go and you have to stress test it.

And a stress test is a fancy word for Monte Carlo simulation.

But you have to look at variables in the situation and what happens if the variable, like the expected performance changes year to year in a number of different ways.

And you're going to end up with a range of output, let's say by looking at.

We tend to do a thousand different scenarios.

So we're going to look at a thousand different scenarios.

And it gives us a scatter chart range of output.

Now you're much more informed because, you know, wow, 80% of the time this works.

I feel pretty comfortable selling the farm for less than it's worth because 80, you know, in 80 of scenarios, I'm in great shape.

We tend to live in the range of 20 to 50%.

If it's in the bottom 20 to bottom 50 percentile.

Whenever you do an analysis because you're guesstimating on what the future might look like, you never want to take the pie in the sky number, right?

You like the average number is the best scenario you want to take because average is your probably more likely to be somewhere around average.

Right.

So you really want to go average and then be pessimistic to give yourself room for error.

So we normally go in that bottom half to down to that bottom 20 percentile, that range.

If we're, if we're in that range and we still have a positive outcome, we're pretty happy with that, you know, making that financial decision.

So this is going to sound daunting, as we said, do a projection based on what you want, do projection based on the reality, compare them and then stress test it, and then live within the bottom 20 to 50%.

So that sounds kind of daunting and exhaustive.

And it is, because it's a lot of specialized work and it requires people who know what they're doing to get it right.

So I say it like this because this is what financial planners are supposed to do for you.

A lot of people say, I got a financial guy or a financial advisor.

Are they doing this for you?

If they're not doing this for you, figure out who would do this for you and go work with them.

That's my advice on that.

This type of work too, there should be a fee for it.

It's a lot of work.

Something like this would take 20 to 35 hours to work up for a client.

You're talking three to six 60 to 90 minute meetings, probably within the first three months that you would be meeting with somebody to go through all these scenarios, because you have to build the backstory, you have to build the projections, you have to run the scenarios.

I'm sure there's other complications in here that we haven't talked about.

There's a lot of things to consider and a lot of details to kind of work your way through.

So I wish now that we could just tell you, go ahead and sell the farm or don't sell the farm or just sell it for that number.

But you've got to write that chapter and you've got a unique story that you're writing, and probably the solution is as unique as you are, but hopefully this at least points you in the right direction.

Well, and I think Travis did a really nice job because death is something that, whether you've gone through it, you may not understand.

But I think you teed it up really well at the beginning, either in the show or before.

You and I discussed recording today that we many times, because of what we do, get asked very simple questions that have very, very complex answers to.

And so when people see you and I, they'll say like, hey, should I do a Roth conversion?

Or when should I take Social Security?

Or what pension option should I do?

These seem like very surface level questions because you can go out and ask the Internet what you should do and you'll, you'll find a myriad of blogs.

But what you just did at the end here I thought was do a really nice job of really explaining what financial planning is and what a good financial planner will actually help you look through, through the gap analysis, through the stress testing.

If you've never heard of that before and your relationship is just buying or selling of products, that's not really financial.

Plan beginning.

Find somebody that talks to you the way that Travis talked to you for the last almost hour and a half through these two episodes.

Find somebody that helps you understand you are worth it.

No matter if you've lost somebody or not, your life is not over.

There is a next chapter, but let's learn how to celebrate the legacy of a person, not just recognize the loss.

And now let's, let's face the reality.

They're no longer here.

We have all these pieces, we have all these assets, we have land, we have houses, we have children.

How do you make decisions?

Find somebody that's going to be in your corner to really understand what's important to you.

That's going to give you the time and space to grieve those six to 12 months.

But also realize that you still have to make decisions along the way.

They can't be careless, they can't be near jerk.

We have to have a long term perspective in mind.

Death is coming for all of us at some point and you either are going to be somebody that says, I acknowledge that and I want to have healthy conversations now so that my well wishes are taken care of.

But also because like you said, I don't want to be selfish and leave my spouse, your spouse, our children, in a position to have to deal with something that I could have dealt with in my time here.

So if you're in a position like Don, where you're on the other side trying to make decisions, I really hope these two conversations helped you at least have a framework.

But if you are somebody who's got time, got a healthy spouse in a situation, use these two conversations, share them with a friend.

But as always I hope you know Travis and I's heart.

And really, Travis took the lead on this one.

If you have questions, if you have situations in your life, it might be a simple question, but it's a complex answer.

Don't be a stranger.

Get in touch with us.

Head over to ditchthesuits.com There's a comment button up in the corner.

Send us a note.

Let us know what's important to you.

We appreciate the opportunity to share a little bit of our heart with you as to why this stuff matters.

And as always, thanks for being a guest on Ditch the Suits.