Do you feel like you're called to homeschool? To be that intentional parent, to raise your children the best way that you can and to bring them up with a wonderful childhood and with a, a great education and childhood experience? Well, we also believe that where God guides, he provides and, and so that's why homeschool money is here. We have developed a five step system that helps you. That comes alongside and helps homeschooling parents, homeschooling families, maximize their income so that you can, so that you can come home, so that you can homeschool your children well without sacrificing. In your finances so that you can raise your children well without a nine to five job. That's what we're gonna talk about today, is that five step system that we call the Homeschool Money Makeover Program. Let's start the show.

A fast growing number of parents are starting their homeschooling journey while others have been homeschooling for years. All of these parents are asking one big question, how can I afford to homeschool? We are here to answer that important question once and for all. Hi, I'm Crystal Obby. And I'm Anthony Obby. We've been homeschooling our five kids for 13 years and we funded it. Through our online consulting business that we've been running for over 17 years now, we're combining Crystal's financial coaching expertise with my digital marketing background where I help entrepreneurs launch and sell online. We're here to help fellow homeschooling parents self-fund their homeschool journey and create lifestyle businesses. For financial freedom without a nine to five job, are you ready to start living life on your own terms and make your homeschooling experience a lot more fun? Well then sit back, crank up the volume, and enjoy this episode of Homeschool Money.

Welcome to the show everyone. Anthony Oby here. I'm Crystal Oby. And we are excited to talk with you today about the Five Step System that we call the Homeschool Money Makeover Program. This is the most comprehensive. Unique system, Devis, that we believe that we've, that we've seen in the marketplace. We haven't seen anything else like it. And it has literally come out of the years of experience that we have spent in the marketplace, the years of experience that we have spent as a homeschooling family. It, it combines the expertise that I have as a digital marketing consultant and professional for 17 plus years the experience that I've had working with around 300 or so entrepreneurs at every stage of, their business development, along with Crystal's experience as a financial coach certified by three different organizations to help her really be have the expertise to work with. Just about anybody, wherever you are in your financial lifecycle. That's what I love about the process is that we've worked with so many entrepreneurs and just families that have come to us for advice along the years, is that this system has been created to be able to help people from any walk of life in any step in their journey. And like you said, I have three different certifications and the reason why I have those three different certifications. It's because people are all trying to get to their next level, but everyone is starting at a different level. And so you have people who are starting off that have very little, who are trying to go to have a bit more, and then maybe even a lot more. And you have people who have a lot who are trying to manage that and be able to make sure that the money that they have doesn't crowd out the life that they actually wanna have. And so whether someone's on one step of their journey or another. We have the information that can help them be able to create the life they need to have the right childhood for their kids, and to be able to have the income that they need without sacrificing the presence with their kids. Yeah, that's right. And so let's get right into these steps. Step number one in the Homeschool Money Makeover program program is. The homeschool money mindset and why you need money. So there's three foundation foundational lessons that we that we teach in this particular first foundational module, and that is having a re reality check a reality check of your need for money. And then lesson number two, assessing the true cost of free. Homeschooling, quote unquote, free homeschooling. And then lesson number three, installing the abundance operating system to become a money magnet. Talk a little bit about the, this particular step in the process. Chris. I think it's really important for people to understand that the reality check that we're talking about is. How you need to understand that money is very important in the process of homeschooling. I talk to so many parents and a lot of people have a lot of guilt and shame for wanting to even ask for more money. People have been kind of conditioned to say, well, I have everything that I need, but still really be struggling or still really have a need that they need to have met. And so they need somebody to come and say, Hey. If you make a budget for all the things that you need, curriculum, activities, you know, electronics, all these different things you need, you already know what you need, but. You just need the money. And so there's nothing wrong with that. And so we start with that reality check. Hey, you're, it's actually gonna cost in order to homeschool your kids. It's not just free. It can be done with a, in a very budget friendly way, but homeschooling will take an investment of money and time the same way it does if you have children in in el in public school. Everybody thinks that public school is just free. But if you talk to any public school parents, right, whenever school starts, they've got the list of the activities that they have for their kids. They have the supply list that they need for their kids. They have all the special events and all the special costumes and you know, the special sweater or socks and all that, all the different things. Educating your child has a cost associated with it, no matter what system you choose to home to, to, to educate. And so homeschooling is the same way. It's very flexible, but there is a cost and you will need to address that, and that's why we have that lesson called assessing the true Cost of Home of free homeschooling. I mean, whenever you get started, it's so exciting to know that hey, you can just get a lot of resources from the library and use the free museums and just, you know, take your kids to the grocery store and practice measuring and cooking and, you know, measuring things, you know, and baking and, Hey, calling that science. Go ahead. Right? Yeah. That's science. This is math. It homeschooling is very hands-on and life friendly. But at some point you're just gonna wanna go buy a ticket for something. Some point, you're gonna wanna buy the kit, you're gonna wanna attend the event, and it's going to take money. And so in order to prevent a lot of frustration, you need to have a budget for that. You need to say, Hey, there's a lot of things we can do that are just. Part of life. But there are some things that are gonna cost even. Like if you go to the museum here in Dallas, it costs a park. It may be free to go to the museum, but it costs a park. If you wanna have something to eat, you're gonna have to go to a food truck across the street unless you plan on packing your lunch. And eating it and having a picnic. So there's all these costs that are associated with just doing anything. And so I'd like to remind people of that before they get their hopes up too much about just free homeschooling. Mm-hmm. Because I love a great deal, but I also like to be able to have a quality experience. And I particularly love getting VIP packages to things. Mm-hmm. And so I'm very much on both sides. I love the VIPP package, but I also love the free and so of installing an abundance. Abundance operating system to becoming a money magnet is super important as well, because you want to be able to have the mindset that, Hey, if it's something that was really important to us, like maybe taking a trip. Then we, we are walking in abundance and we can invest in that trip. And traveling is just, it can be expensive if you want to stay in nice places have speed, have quality, and all that. And so it's okay to invest in the things that you wanna invest in. And it's also okay to save on the budget on things that don't matter to you as much. And so it's super important to understand that abundance is available to you and it may come out. In ways that cost money, and it's okay. And it's okay for you to be able to invest that money. Step number two, new $1,000 cash goals. Get clear on what you'll do with the money.

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It's important as a number, as step number two to ease into this money makeover slowly and to build brick by brick. And so we're starting with the mindset and, and having a reality check. About what the true cost of homeschooling really is, and then ending off that, that step one with installing an abundance operating system to become a money magnet. And then moving into step two. Now we want to. Maximize the opportunity and really stretch our muscles in learning how to spend and planning how we will spend just $1,000. Because if you can learn how to maximize a small amount of money, then you'll do a much better job at managing a bigger amount of money. And so a $1,000 budget can go a long way in towards your homeschooling. Curriculum, it can go to a, a long way towards your homeschooling expenses and setup, or it can just be a drop in a huge bucket. And so in step number two, we want to set clear goals and, and lay out a clear spending plan for $1,000 to really stretch your muscles and maximize how you would spend. One, the first $1,000 in your, towards your homeschooling journey. This is usually one of the funnest activities that we do with people because imagine if you have a $1,000 and you can go to Amazon and you have a wishlist and you're able to just take a thousand dollars and get everything on that wishlist. How much would that uplevel your homeschool, you know? Right. And what about if you had a thousand dollars and you said, I wanna use this to, to for this quarter or even this year, I want to use that to maximize our family activities. Well, you can look at getting different memberships. You can look at different opportunities that are free and combine them with going out to new restaurants like we did when we were in Seattle. And we went to a a ton of different, we got that pass. That city passing the Seattle Go pass. Yeah. Yeah. And we bought the pass and then every day we tried a new restaurant and we did like three activities on the pass. Yeah. 'cause we got access for seven days to like 35 different places that were like the things to do in Seattle, Tacoma, Washington, Olympia. We did. I mean, we did like five things every single day. It was actually 36 things. Oh yeah. And we did all of 'em. We did all of them, right. Yeah. Plus we started the day with breakfast. Yep. And then we went, had lunch. Mm-hmm. And then went to dinner and went home and crashed every day. Every day. Yeah. And then so we saw everything. Yep. Even like that bike ride that was. Yep. Throughout Seattle. Yeah. Yeah. On And ended up being the hottest day of the year. Hottest day of the year. Super hilly. Hilly in Seattle. So we were down there at the fish market. We did that. We went to like a, like a, they had like some sort of a bug museum or something like It was a butterfly museum. Butterfly museum. It was like in the basement of something else. Yeah. Like we just did everything. We were like, hell, everything, if they put it on the list. Then they said, we need to do it. Yeah, we went. So we did the space needle and we went on a music museum. Yeah. Yeah. We went on a island. Yeah. Did a lu out, a sound, a salmon, salmon bake. We had like this whole. Thing. Yeah. And so, yeah, it was so by buying that pass and then looking at what are the top restaurants or you know, what you can do in Seattle, Tacoma, Olympia, all that, we made this whole itinerary and it was so affordable. That was an incredible way to spend the money that we spent on that as opposed to just, you know, whatever, whatever other options. It was an incredible bang for the buck, right. Yeah, that was like such a memorable experience and just with a little bit of planning, we took a small amount of money that we could have spent doing a smaller activity and just maximized it. Yeah. And so the idea here with a thousand dollars is, it may be small, but it's mighty. And if you just take some creativity and a little bit of time, you can take that $1,000, make the. Ultimate budget and see how can you make it incredible for your kids, and that's super fun because a lot of times. Create creativity is best when you have constraints. When you have an unlimited budget, that's kind of when things, you can be kind of boring. Right? You know, you, you don't really see your opportunities and, and frivolous. Yeah, frivolous. And so, but when you say, I gotta take this thousand dollars and really do something with it. That's when you end up having that experience that we're still talking about here, that it is hard to really recreate. And so That's right. And the pictures were amazing. Yeah. And we can't, we really can't recreate those pictures. And so yeah. That was amazing. So that's module two is the $1,000 new cash goals. Yeah. This can be a really transformative module if you take it seriously and just follow the steps. This, this one module can be the, the worth, the price of the entire program. Now let's, moving on, moving on from there. Now we're gonna ramp up really hardcore into some some real money management, some money mastery moves here in step number three. Because step number three is all about foundational, the foundational building blocks to building legacy wealth. And, and if you notice that title, we're covering a pretty broad stroke here. In this module, this is when we really set the foundation for the financial piece, the budgeting, the mastery, and the planning that you need to do in order to have. Peace in your life financially as well as the financial abundance and wealth, and from generations to come. My certification with Dave Ramsey and Ramsey Solutions is super helpful here because that's where we go into the budgeting and the debt payoff and all the insurances that you need and all the tips and tricks and techniques to make sure to maximize the money that you have. That's a really fun module to do because there's not been one person that I've talked to that hasn't been able to lower their expenses in some kind of way because you think you're doing everything you can. Most homeschool families are pension, every penny. I mean, a lot of people when you're homeschooling, you're going down to that one income and you've already cut everything you think you can cut, and still, I'm able to help people find extra money in their budget. But like I said. Most people, if you're homeschooling, you're already doing everything you can actually, you know, possibly do. And so you need, you, you need to have more money, which is why we have this program. But you also are thinking about generational wealth. And so in this section. We talk about all the budgeting, credit, all that kind of stuff. Life insurance, health insurance, all the different things to keep everything you have protected. But then we go into the investing and the setting your kids up for success financially. So that 50 years from now, all the work that you've done and all the sacrifices that you've made are they really pay off. So they pay off now, and then they pay and they pay off. Later, they pay off now so that you can be with your kids, they pay off later so that when you're old, you can still be there and have financial peace with your kids and help them live a life of generational wealth and legacy. Yeah. I, I remember whenever you whenever you and I did the training as well with you, but you got the actual financial coaching certification with Ramsay Solutions. I remember one of the most impactful things for me to learn was that building generational wealth is not so much just a an errand of the rich. It's not so much just an errand of those who are millionaires. There's a lot to be said and you can make a lot of progress in your family. In your generation simply by choosing the right insurances. There are a lot of, there's a lot of confusion around insurances and investments, and there's some. Insurances that sell themselves as investments in savings and learning and gaining a real practical distinguishment of what insurance should be and what makes a good insurance policy, and then what a good investment is and what makes a good investment, and separating the two and keeping the two separate so that they can both do their number one job very, very well. It was just game changing and so many people get confused on that one. Get confused on that one thing, and that's why like whole industries exist. It probably shouldn't, and we'll go into that in further episodes. But you can make a lot of progress in your generation and really set yourself up and your family up for being protected financially just by getting the right insurance. And it's a very simple decision to make. And so setting yourself up and your family up and, and playing defense is what you can do with insurances. And then the offensive game is all about choosing the right investment vehicles for for long-term. Compounding interests and gains and what I was just talking with a family today about is that how when you get your finances in order, when you get your debt paid off, whenever you have your income optimized, it's just inevitable that you become wealthy.

Hey, friend, quick break. If you're ready to fund your homeschool without relying on a nine to five job, you have to check this out. We're giving you instant access to. Our free class is called Get 30,000 a year to Fund Your Homeschool Without a nine to five job. In just 90 minutes, you'll learn how to create consistent income. Afford a world-class education for your kids and get the lifestyle freedom you deserve, that's gonna give you more time to invest into the people that matter the most, your children. This is the system that changed everything for us, and it's changed everything for hundreds of other families too. Go to homeschool money.com to register and watch the free class on demand and get our newsletter full of tips and support. Don't wait. Your freedom starts right now.

Yeah, I mean, if you just put time behind these basic steps, and that's what I love so much about taking the baby steps and everything with Ramsey solutions. And helping people with that is that there's a systematic way to everything and there's a systematic process for having a good budget ha paying off your debt and becoming wealthy. And so within our program, we have all of that integrated in there. And then we also help people with the investing. Decisions and the income optimization because it's a lot easier to have a budget when you have the money that you need. It's a lot easier to pay off debt when you have the money you need. And it's a lot easier to invest when you have the money you need. And so there's a lot of things that families are trying to deal with. I mean think about that. Those are just multiple different industries right there Yeah. That a family is trying to address while trying to figure out. How to educate their kids. Yeah. Which they have to now become the teacher and the superintendent and you know, all the different things you have to do for that. There's a lot of angles for money management and investment and everything that you have to handle. Yeah. So that's why we have, that is its own module of having that budgeting and the investing because. The parents that we talk to who are homeschooling, they're very intentional, and they're not only thinking about their, their budget now they're thinking about their kids and how they're gonna manage their money, and they're thinking about their older years, retirement and things like that. They're very smart and they're very intentional, so That's right. And so really the homeschool money makeover program could end right here because you're, you're delivering everything that you need. The full, you know, sort, sort of full weight of your three different financial coaching certifications that you have taken with hud with the Chalmers Center? Yeah, with the Chalmer Center. I love that certification because it's all about helping people who may not think they have resources, actually identify the resources they have because you know, when you don't have a lot, you think. You can't do anything because you don't have anything to work with. Right. But in reality, everyone has some type of asset that they can work with, but most people can't see it, right? And so I love helping people uncover what they do have to work with, and then let's start from there and get to where they want to go. That's right. 'cause everybody has to start from somewhere. Yeah. And everybody has something that they can work with. Yeah. And so my certification and experience with them is super fulfill fulfilling because homeschooling and wealth building is accessible to everyone. But a lot of people just don't know where the door is for themselves to enter into it. Yeah. And I love them. They can't find that on ramp. Exactly. And that's what I love to help them see. You don't have to already have a lot. In order to get somewhere. Right. And especially with your experience working with entrepreneurs, I mean, you've worked with people who are literally leaving their job and starting something completely brand new, even in different industries. That's right. And you've also worked with companies that are doing a hundred million dollars. That's right. So taking your experience and working with that person that has this dream and then working with a company that's been around forever and is, you know, hundreds of millions, right. You've been able to use your experiences. And they all, everybody's come, everybody's using the same stuff. Yeah. And so I know you're really excited whenever you get to work with that broad range of people. Yeah, a absolutely. And I think for me, as a, as a professional in the digital marketing space, I reached a point where I realized that I could really help. Some of just about anybody who came my way after having worked with that broad scope and working with the big company with, you know, the three, 500 employees and multinational international. Company selling, you know big SaaS software to enterprise, other enterprise companies and organizations around the world all the way to working with a a, a a, a woman or a guy who's just, you know, been fired or quit their job and have this idea. And want to run with it. Want run to one, want to run with one idea and a digital course idea that they have, and where do they even start? How do you package their idea up correctly? Well, and then how do you go to market? How do you launch when you don't have an audience, when you don't have. Anything but an idea. And so from that experience, that range of experience, one of the taglines that we say about our experience is that we can help you from concept to cash flow. Right? Because that's really the scope that we have worked with people in and putting frameworks around your idea to help you launch from an idea. And so. In step number four, we move from crystal, your expertise with financial with your financial coaching expertise and everything that a person will get there, to moving on to how they can go about generating more money. So step four is. Make money the easy way, creating new revenue streams with no job and no stress. So in this powerful module, lessons include unlocking your money, making superpower unveil, unveiling the invisible. Income strategy, learning how to make fast cash for busy moms. Now we are a homeschooling family and you and I, we work together. We know that typically it's gonna be homeschool, the the mom that we're having a conversation with, and that's kind of how we. Angle our messaging too, but we're here on this show together because we also want to invite the homeschooling dads to the table and to this conversation and into this show. And so homeschool moms and dads are welcome here. It in your home. Your decision to homeschool affects both of you, married families, as well as maybe even single families. It affects both parents. When you decide to homeschool. Your children, regardless of your marital status. And, and, and regardless of who's staying home and with the child and all of that to, to do the homeschooling. And so we wanna just open that conversation and let everyone know, for one, that you're welcome here. And for two, we're excited about offering not only the, the, the money expertise and the financial expertise crystal that you bring, but also the entrepreneurial. Coaching expertise that, that I bring, and that's what this module is all about, is helping you put frameworks around your business idea, your entrepreneurial expertise, your entrepreneurial dream possibly, or just even the side hustle that you may currently have going on that you would like to be able to increase in income. We, we, in this module, we help put. Per framework around that to help you increase that. So what I mean by framework is that it's all about it's all about doubling down on choosing your best audience, the audience that you know will have the money to buy your solution and take advantage of your solution. The audience that has the, the, the biggest need for your solution and are willing to pay for that solution. And then it's about. Being. Being able to offer something different and show up different than your competitors are. Being able to look at what your competitors are offering and make sure systematically ensure that you're showing up differently and better than every single one of your competitors, so that you really put your yourself in a category of one. We can help you create that positioning. In your market, in your niche, that nobody else has to make you a solution of one. And that's really, really important to have success especially. And what's, what's amazing these days is that the internet has brought so many, you know, years ago they talked about it being the age of the long tail, the internet, bringing so many subcultures of people. Who are now gathered into various groups, Facebook groups, LinkedIn groups various groups and hashtags. There's a group for just about every interest, and so with that, there's an opportunity for you to capitalize on that shared interest that you have and make money. In our last episode, we talked about several of those opportunities we talked about. The education economy. We talked about the service economy, and we talked about the product economy and your ability to sell e-commerce products, your ability to sell. A solo service that you may provide or, or may be good at providing and how that's a, quick and fast way to start making money when you're just getting going, homeschooling, being able to do your side hu hustle, offering and service. And then ultimately being able to really capitalize on expertise that you may have five years experience in by creating digital. Products or creating a one-on-one or group coaching program or something of that, that nature to capitalize on the e-learning world of things. And so in this step, we talk about making more money and increasing your income, and that is just so powerful to combine both. The, the, the financial maximization and optimization so that you become financially fit, but then also from there also we're here to help you increase your money in step number for of the homeschool money makeover system. And just because of. Our experience in that is exactly just how we are living. We attract a lot of people who they wanna be in that step. They want, they want that help. And so it's super fun to work with people, but we also take it to the next level because since they don't want that nine to five job, they have to work out this career. Especially after the pandemic. 'cause you know, before the pandemic you had people homeschooling like us who. We're co we're making their life intentional to where they could homeschool, and it was still more counter-cultural. But now since after the home, after the pandemic, people were having to make that career change. They're having to decide, well, I already put all these years into this career, but it's not conducive to homeschooling. Like whenever me and the kids go and we go to the dentist, we go to the doctor, we go to restaurants, you see it, people are always talking to us and they're like. The, you know, the waitresses, the doctors, everybody's always asking us, how can I be at home with my kids? And our dental hygienist said she was crying and she's sitting there and I got the kids there. It gets uncomfortable sometimes. She's telling me because she has a son that's the same age, it's our son. And she's like, I can't be a hygienist at home. Right. Yeah, I gotta do something different. But she already put all this time in, right? And so she ends up finding another opportunity. She's not a hygienist anymore. She's gone doing something else of, we're sad about that because we loved her. Yeah. But I'm happy for her. Because now she's gonna be on the path to being able to be with her son. And every single time we were in that room for the kids' appointments. 'cause you know, with five kids, we live at all these doctor appointments and stuff. That's right. Yeah. And she's in there, the kids are like, you know, another person crying with mommy. Yeah. Telling me their life story. Yeah. And wondering how they can figure it out. And so. That is where a lot of people are. A big number of people are having to change things and listen that they thought they had figured out and listen. That and yeah, and listen. That's why we have created homeschool money. I know. Because have that conversation and to help you transition and transition, well, that's the word. Your skills into something. A vehicle that can help you make money from home and maximize your. Income potential in a way that also gives you the time freedom, the energy and all of that in order to show up for your kids and homeschool 'em well, but you know what else that people talk to us about that we cover in that same module is all the free money. Free Money Free. That's right. Free Money Frees just like a bonus. I mean, that should be its own module, but we just put it, you know, we're, we're, we're handling that topic in this module 'cause it just made sense to talk about. New money and income opportunities in this module, but that's really like its own thing. Just the available free monies that are out there.

Hey, I hope you're enjoying the show. We'll get right back to the discussion, but I do want to talk high level with you real quick. You see, transforming your finances so you can self-fund your homeschooling journey without a nine to five job takes a roadmap, right? And you may be wondering, where do I even start? Start at step one. Our Homeschool Money Makeover program breaks it down into five practical steps that help any family achieve a financially abundant. Homeschooling lifestyle. Step one, install the abundance Operating system. Most people believe that they need two, nine to five jobs to make it in America the truth. With all the technology and the tools available today, there's never been an easier time to generate six figures. A year in income working just 15 to 20 hours a week than today. When you have a strong why for homeschooling and you know the real costs, you unlock the courage that you need to become a money magnet without a nine to five job. Step two, get crystal clear about what you're gonna do with your first $1,000 that you make outside of your day job. Write down specific homeschool needs that a thousand dollars can cover. Yes, this is a small amount, but if you can learn how to set a target of make your first thousand dollars outside of your nine to five job, that's going to set a fire in your belly and the determination that you need. To make the next a hundred thousand dollars. Step three, find all the money falling through the cracks in your budget with Crystal's. Three financial coaching certifications. Listen, she's gonna help you be able to streamline your budget and free up money without sacrificing your favorite things. You can't build a strong financial future with money falling through your pockets, right? So let's plug up the leaks. Step four. Discover new ways to make money and claim free money available for homeschooling families. We discuss grants scholarships, proven fundraising opportunities that Savvy Homeschoolers are using, and we show you how to use them too. Step five, launch or Scale your Moneymaking Success System to completely replace your nine to five job income. Whether it's a side hustle, a freelance work, or a new business, identify your single most viable opportunity and turn that into $3,000 in income. $5,000, $10,000 a month in income or whatever you need to feel financially abundant. Implementing these five streamlined steps will make you feel more financially empowered than ever before. You'll gain the momentum that you need by step number five when you're making more money. You're going to feel unstoppable financially. Through our marketing consulting business, we've helped literally hundreds of entrepreneurs build online selling machines. That's what we do in our business life and launches, and we share our million dollar automated selling system with you. Inside the Homeschool Money Makeover program. Inside the course, you're gonna get all the video lessons, worksheets, templates, and guides that you need to walk through all five of the steps to transform your finances. And right now, during our special introductory offer period, you'll get bonus gifts plus our lowest enrollment price ever. Making it easy to enroll and make your first thousand dollars back. Fast. Go to homeschool money.com to watch our free class, and then you're gonna get an inside look at the full Homeschool Money Makeover program. Don't wait. Go to homeschool money.com to start the free class and enroll into the full program today.

Because like I said, most homeschool families, they've already looked at the money, they've already figured out their, their, how they're gonna kind of do it basically. And then they just get to this point where's I just need some more money. Right. And so, right. We just need them some more. Yeah, some more. And so a little bit claustrophobic with the current budget, you know, we need some new budgets. Exactly. And so. Yeah, there's a lot of people because of who we are. Yeah. That like talking to us because of our experience. But then they also wanna know our experience about how to give free money, and they wanna know about the, the money. Especially here in Texas, there's new money that's coming with the ESAs. Well, they already have that in other states. And so people want that, the free money in their state. They want free federal money. They want money that comes from nonprofits and foundations. They want money that they can get from contests and just other giveaways. Mm-hmm. They, they want to know. Where to get the free money, the free resources and things, because they've pinched those pennies and you know those nickels as far as they can go. And then they just want that extra support and there's a lot of support out there. And so they want some guidance on how to do it. And then they want that not only from K through 12, they also wanna know how to get money for college. And since I was able personally to get a full ride to college, and we've both been able to get scholarships for college to continue from bachelor's to master's to doctoral degrees and things like that that we're working on, you know, they want to know how to take their kids' education all the way through college and get that extra support. And so that in this module we go into all that and have, that's why we have episodes coming out here on this podcast. But in our system, we handle that there. And there's a lot of parents that are like us and they have kids in different ranges. You may have the 5-year-old that needs. Some Activ, some a Zoom membership. And then you may have the 15-year-old that needs the dual credit and you may have the 18-year-old that needs money for college, like directly going to university or something. And so there's just a lot of things that you need to pay for and there's a lot of resources there, and you need a plan. So again, every single one of these modules is my favorite, as you can tell. That's right. That's right. And finally, to put a nice cherry on top of this entire program and. And, and also just this conversation because we're talking about these steps and they're because they're in the course, but these are also the things that we truly believe will help you radically transform. Your finances and your career to optimize your financial abundance as a homeschooling family. And so that brings us to step number five, module number five and that is magnetic money Multiplication. Learn how to scale up your money making success. So this is a game changing model module. And lessons include the homeschool money, CEO formula number two, from side hustle to sustainable profits. And number three, the Time Rich Money Smart plan. And so in this module, I'm not gonna say it, but I am gonna say it, it's one of my favorites, right? Because. I love the, I love planning, I love systems. I love processes, I love rhythms. This module is where we talk about all that. So if you have your budget, well, you're the queen of all of that, and you do it for our lives. I mean, that, that's what you do. I mean, down to a list, a daily, literally a daily list of things to do for me. It's, it's just one of the, the really great ways that you are just been a blessing to me and giving me a daily list of things to do. Certainly that's something that I could, can and should be doing for myself, but you do it for me and you even make 'em in pretty colors. And I absolutely love seeing my list of things to do at my desk every day because as you always say if you just are able to get three, the best CEOs, the most effective CEOs, if they could just get three. Things done in a day. They've done their jobs well. Yeah. I love working with you and being able to be on the same path and have leave my love notes and mm-hmm. You know, leave the little hearts and the colors and everything and just know that we're on the same page going towards the same goals. And so that just takes organization and being on the same page. And so now one of my favorite things is. With the kids, how we've created the SOPs, the standard operating procedures for all the different things that we need to happen in the house. It's just a fun activity. And they love it. They love having order. They love knowing what to expect. They know they love when we say, Hey, it's dinner time, and you are the chef in the family. Mm-hmm. And so, hey, when Daddy says. It is time y'all hit the dinnertime, SOP and make sure all y'all stuff is ready. I love that. It's like one of those marble runs. I love that, you know, the, everything working together, but that's what is the secret to making everything work and be productive is. You need to have a way to know that you're gonna get it all done. Yeah. That's what everybody wants to know. How do I homeschool? How do I actually run a business from home? Or if you have a remote job, how do you get it done? Yeah. Everybody's asking the same question no matter what you're doing. And so in this module, we talk about the what to delegate, what to, you know, outsource what? To just eliminate what To start, stop, keep what? Who to hire, where to hire somebody. How to incorporate AI to be helpful. All these different things that help you create a home that is organized enough so that you have the time to run a business so that you have the time to have business meetings with your partner who is your spouse, and you know. Be able to meet with your kids and have them on the same page and want to have a home that is running. All the things that that come with that is in this module, and that's how we multiply. Because if you have a side hustle right now and you've shown that people will buy from you, then you can turn that into a sustainable business. If you just had more organization, more help a team or just outsourcing or. Just more vision for where you want to take that. If you already have something small that's working, it could go bigger. So a lot of families already have the resources they need to be able to free themselves up to homeschool, and they just need that direction. A lot of times that comes by first, like in sex section four, being able to know how to set up a business that maximizes their profits and then supplement that business with all the free money, but then also having all the home systems. That allow them to have the time to even think about it. Yeah. So all of these systems, so together, so this, so like this, step number five, you know, you have a master's degree in life coaching. Okay. And as far as like you've read, probably. At least probably a hundred books on management business management, management in in companies time management for CEOs you know, traction you know, E-S-E-O-S. You have read. All about being an entrepreneur and the best operating systems for running a business, scaling up a business, managing your time, and being super pro productive. And that is what Step five is all about. Because if you have a plan, if and if we help you fix up your sales funnel. And help you plan your lunch in step number four for your dream business. But you wake up on Monday morning after we've laid everything out on the previous week and you're hit with. All of the fires that you have to put out on a daily basis with running a household of full of kids and homeschooling and, you know tending to, to house and home and to your husband or wife and all of your family and your in-laws and all the things that there are to doing a day likely. You're going to be frustrated months down the line when you've not even cracked open the first step in executing on the plan that you have on paper. So that plan would be worth nothing to you. If you have not set aside the time to implement it. And so step number five is critical because it is like the delivery system for everything that we have talked about and helped you set up before. And steps number three and steps number four. It helps to ensure that you execute on what you have learned and what you have planned and all of that through this course, up to this point. And a big thing that we talk about as well is energy management. Mm-hmm. Because when you talk about how are you gonna get it all done, how are you gonna have the energy to get it all done? Even if you have an amazing plan and everything looks great on paper, if you have not. Build your life to where you can get the sleep you need, the re, the exercise you need, the nutrition you need, and just like the take care of the mental load of life and all the emotional things that happen and creating the margin for unexpected grief or something. You know, if you haven't thought about those things, then whatever plans you have on paper are not going to work anyway. And we've experienced that. We've had to be here, we've been married 23 years. And we have gone through a lot of things. Yeah. And we have still had to consistently show up in a, in a industry online that is constantly changing. Yeah. So you're constantly changing and having to go to funerals, having to, you know, deal with all the issues. Of, you know, having kids and raising kids and all the things going on in the world and all the things that just happen personally, and how do you stay consistently on your path without breaking down and getting completely out of the game. And so you can actually predict when someone is on the path to burnout. And I remember talking to someone, one of our clients, and saying, Hey, look, on this path you're on, you are. Expected and predicted to have a major health crisis from burnout within like two years. Yeah. Like this stuff is predictable. Mm-hmm. And so in this module we talk about, yeah, let's get the system, but the person running the system has to be okay. And we're constantly talking about that kind of stuff because. Everything always is changing Whenever you're having kids and whenever you're, they, they have all their different stages of growth. The family is, is constantly changing and so that's why I love this module here because we have been able to implement a lot of things that have been effective and we've been able to help people and help them have effective experiences. Mm-hmm. And so it's super important your energy and your plan, they have to work together, be so that you don't end up. Feeling guilty because you had a plan you couldn't implement because you got hit. Mm-hmm. Or because you just couldn't even show up. That's right. And so that's what I like about that. That's right. So this is a, a full system and whether you were to invest into the system or not, or if you just take these steps and understand that. Your homeschool money makeover requires you thinking about all of these things. It requires, it's likely gonna require you getting real about the cost of homeschooling so that you actually know what you're actually up against and what you're facing when you're making the decision to decide to homeschool. It's not just free education. There's a cost and a price to pay with, with free. And so it is moving on to step number two. And, and going through the ex exercise of maximizing $1,000, which will prepare you to be a better money manager and a better steward. Of a $1,000 a month or $1,500 a month, or $2,000 a month budget for your, for your children or, or $500 a month budget for your children going through that exercise. And step number two is gonna help you be better with that, and that prepares you then for step number three, which is full scale all out getting financially fit, learning how to count every single dollar. Set aside your emergency fund build savings, get on a, a path towards a, a, a well thought out investment program and protecting what you have with the proper insurances and making sure that your family's okay and making sure that you're set up. To build true legacy wealth, even without being a person who makes a million dollars a year. You can do that if you go about it and you follow the steps. Step number four. If you then take the skills that you have been using in the marketplace and you bring those and you wanna homeschool and, but you don't mind starting a, a part-time business or side hustle you can do that and you can do that with the frameworks that we give you, which are very streamlined and efficient. There's just a few things that you need, and if you keep. These things in mind, these steps in mind. You'll build an an efficient sales funnel process, pipeline process to generate leads in your business venture and convert those leads into sales. That's called a sales funnel. When you are, whenever you're doing that, that's some businesses call it a pipeline, you can use those interchangeably. But that's the world that I live in, is sales phones. I live. The last 17 years in a sales funnel with the 300 different clients that I've worked with, entrepreneurs that I've worked with, and helping them launch and streamline their sales funnels for maximizing lead generation sales potential. And so that's what you're gonna have to be thinking about. If you're talking about building a business for yourself, whether it's a self-employment thing or you, you plan on building a bigger business with more staff and employees involved. And then step number five, which is all about making the time in your schedule and being able to show up with the energy that it will take in order to do steps one through four. Right? The steps, the, the, the having the energy. To become financially fit and having the energy to build your business, you won't get it done if you don't have the energy. And if you don't make the time in your schedule, your daily schedule, your real life we all know life, be life in. And if you don't make the real time in your schedule on a daily basis to do that, it will not happen. And so that's everything you need to think about. In order to experience your homeschool money makeover, we hope that you have enjoyed this episode. We cannot wait to see you in the next one.

If you like today's episode, make sure you tap the follow button so you never miss a thing, and if it help you share it with a friend or your homeschool group sharing is caring. Do you love free stuff? Like me? Sign up and watch our free games class called Get 30,000 a year to Find Your Homeschooling. With our nine to five job, when you sign up, you'll gain instant access to a class and you'll get our weekly newsletter. For tips and strategies to make your homeschooling journey affordable, go to homeschool money.com and register right now, ready to get your homeschool money. Head over to homeschool money.com to enroll in the full Homeschool Money Makeover course. You'll get the tools, templates, and step by step help to find your first $1,000 fast. And create 30,000 or much more every year. Each module of this program is designed to transform your finances and help you experience financial abundance, so you have the flexibility and lifestyle freedom to homeschool your children with a nine to five job and without sacrificing. And right now we have an amazing limited time offer that gives you huge savings and bonus gifts you're going to love. Go to homeschool may.com to enroll today, and don't forget to give us some love with the five star rating and review. It'll help more people find ourselves. Have a great day. Bye.