Posts tagged authors
Financial Grownup Guide - Top new money books for grownups right now (June)
FGG - June Money Books Instagram

Bobbi reveals her favorite new money related books, and how to decide if they are right for you. This month’s picks include “Take the Leap” by Sara Bliss, “The Remix” by Lindsey Pollak, ”Limitless” by Laura Gassner Otting and “The Wealth Creator’s Playbook” by John Christianson

Some ground rules:

There will be only positive comments. Because why waste your time telling you about something I don’t think is worth your time. 

Also - we limit our selections to books written by authors that appear on the podcast. In most cases they will have already appeared- so you can then go back and listen to their episode if you want to learn more. Occasionally, the episode will be in the future - so hopefully you will subscribe so you don’t miss it. 

Here are 4 books I truly enjoyed in the past month!

Book #1

Let’s start with Take the Leap. Change Your Career, Change Your Life by Sara Bliss. The book focuses on stories of people who left a career they were pretty settled in.. and well took the leap into something very very different. Taking the term career pivots to the extreme- more like pirouette’s.. And I love that the stories are told in a very short format- you can dip in and just read one in about 5 minutes and then come back to the book and be drawn to another- individual lite stories combined to make an in-depth resource. 

Here’s what I liked about it:

  1. Her Mantra: Begin Anyhow. Because there is always going to be a reason not to start to move towards a new career. so begin anyhow.

  2. While the book is as you would expect cheerful, upbeat and inspiring it is also extremely specific and detailed about the hard work and sacrifice often involved. Want to go from Wall Street to wine making? You may not need to but the person profiled went way downscale for a year to learn his craft before he actually started the career change. No magic pills here. 

  3. She is totally transparent about the money focus. 70 percent of those profiled make more in their new and happier careers- so this isn’t about working for the love of the work- it is very much about finding ways to get paid more by disrupting your ideas about how to sell your skills. 

Who is this book for?

I’m tempted to say people unhappy with their careers but that’s not enough. To really get the most out of Take the Leap you have to be dreaming of something better and self aware enough to understand the work involved. 

Book #2

The Remix. How to lead and succeed in the Multigenerational Workplace by my friend multi-generational expert Lindsey Pollak. 

Did you know that there are 5 generations now in the workplace? The book’s title refers to the idea that at parties when a DJ wants to get everyone excited to dance- he plays a remix because the younger guests know the new song but it is also familiar to the older guests.. and next thing you know the dance floor is packed. 

Here’s what I liked about it:

  1. Lindsey gives very easy to do things that can bring us all together. Like if workers feel displaced because of not having a permanent desk or office anymore- she presents solutions such as personalizing the things we bring with us everywhere like our computers. And Lindsey reframes the way we think about popular workplace concepts- instead of work/life balance. It is work life integration.

  2. She recommends apps that also make it easier to implement her strategies. Like feedback apps to keep a continuous conversation going because some generations want feedback a lot more often than one annual review. 

  3. The original research that Lindsey has done is what really sets this book apart. While she absolutely does interview the top thought leaders in the industry, and presents a ton of data,  The Remix is full of information that we have not read elsewhere because it is her original content.. from misperceptions about remote work, to the reality of whether ping pong tables and free lunch really work to retain employees in a tight job market. 

Who is this book for?

This book is for people who want a big picture look at the changes in the workplace in the last decade or so -along with specific solutions that they can implement in their own day to day work environment to just enjoy the time more and learn from other generations. 

Book #3

Book #3 is by Laura Gassner Otting and it is called Limitless. How to Ignore everybody, Carve Your own path and Live your Best life

This book is a bit woo woo self help book but in a good and literal way- trust me. It focuses on 4 functional elements to help us break through external and internal limits. 

Here’s what I liked about it:

  1. It doesn’t so much tell you what you need to change in your life to be happy- rather, limitless focuses more on How you can figure it out for yourself. because we are all different and there isn’t a one size fits all. It gives you the framework. It’s up to each of us to determine our own personal version of success

  2. As much as there is a cheerleader tone to this- it is balanced out by tough love. For example, being busy is not the same as getting results. So we need to have some honesty there- and that is something I personally have been struggling with recently. 

  3. She is candid  about her challenges as a mompreneur. The author started her company with a 6 week old child. Why? Because that’s when an opportunity for a first client fell into her lap- so she seized the opportunity- and I think that is a great point- the best opportunities don’t always come when we are ready- but we can become ready very fast when they do come- often when we have the least amount of time. 

Who is this book for?

People who need someone to tell motivate them to achieve their potential. It’s like those of us who know we should eat healthy but need someone to write out the menu. Or want to work out but need a trainer to get us to the gym. Laura knows how to say things in a way that gets rid of the excuses and helps the reader get things done. 

Book #4

The Wealth Creator’s playbook- a guide to maximizing your return on  life and money by John Christianson. 

This is not a beginner investment book- and it speaks to a very specific demographic if we are being honest. People who have money and consider themselves wealth creators. So just go in knowing that. 

Here’s what I liked about it:

  1. The author is not afraid to be honest about who his audience is and therefore comes across as uniquely authentic- he isn’t talking down- he is talking with a very specific segment of the population who don’t want to simply settle for being wealthy- but are looking for a more fulfilling life regardless of their bank account. 

  2. It’s kind a of now what for people that have acquired a certain degree of financial success.. and really calls onus to evaluate why we spend such a high percentage of our time and effort focusing on the accumulation of wealth, and how our identity changes once we have it. 

  3. While it is, as they say, a first world problem, the Wealth Creators Playbook does address the challenges that come with wealth including the isolation, relationship challenges, spiritual aspects of dealing with money. 

Who is this book for?

The book is clearly aimed at those who have accumulated money but are looking for guidance in dealing with the changes it has brought on- including assessing their values, how they deal with their kids and money, and the best way to be generous with their wealth. 

Episode Links:

Some of the links in this post are affiliate links. This means if you click on the link and purchase the item, I will receive an affiliate commission at no extra cost to you. All opinions remain my own.

Speeding up growing up: When a parent's career takes a hit with Ambition Redefined author Kathryn Sollmann
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Ambition Redefined author Kathryn Sollmann’s childhood took an unexpected financial detour when her father had a career setback. But becoming a financial grownup at a young age gave her the foundation to redefine ambition. 

In Kathryn's money story you will learn:

-Why she started working at a young age

-How her financially stressful childhood prepared her for success

-The way she wished her parents talked about money when she was growing up

In Kathryn’s money lesson you will learn:

-How to have honest conversations about money with a significant other

-Why Kathryn suggests women should always have a way to make money

-Her tips on how to balance work and family life

In Kathryn's everyday money tip you will learn:

-How to categorize your savings account

-Ways prioritize saving money while staying out of debt

In My Take you will learn:

-Financial grownups don't judge, every financial plan is unique to each family or individual but making smart decisions are what make plans successful

-Family time and work time don't have to be separate, hear what Bobbi and Kathryn have to say about blending a schedule in order to balance it

EPISODE LINKS

Read Kathryn's new book Ambition Redefined here

Check out Kathryn's website for more information here

Follow Kathryn!

Instagram: @KathrynSollmann

Twitter: @KathrynSollmann

Linked In: @KathrynSollmann

Some of the links in this post are affiliate links. This means if you click on the link and purchase the item, I will receive an affiliate commission at no extra cost to you. All opinions remain my own.

Transcription

KATHRYN SOLLMAN:
The financial situation at home got so tenuous that my father, a couple of times, took my little part-time afterschool paychecks to pay a few bills while he was waiting for some things to come in and that had just a profound impact on me.

BOBBI REBELL:
You're listening to Financial Grownup with me, certified financial planner, Bobbi Rebell, author of How To Be A Financial Grownup. And you know what? Being a grownup is really hard, especially when it comes to money, but it's okay. We're going to get there together. I'm going to bring you one money story from a financial grownup, one lesson, and then my take on how you can make it your own. We got this.

BOBBI REBELL:
Hey, financial grownup friends. I like to joke that it is never too young to grow up financially, but I'm rethinking that a bit, and that is because my guest, Ambition Redefined author, Kathryn Sollman, got a rude awakening when her comfortable upper middle class suburban life was interrupted by the harsh financial reality of a change in her family's financial situation. More on that in just a minute.

BOBBI REBELL:
First, a quick welcome to everyone. If you are new, so glad you found us. Please hit the subscribe button so you don't miss any upcoming episodes and go into custom settings and set to auto download. While you are there, it will make our day if you leave a quick review. Now to Kathryn Sollman. Love her book, Ambition Redefined, but I will warn you, she makes him controversial arguments. And while I do see her point, and she does a lot of research, there's a lot of data to backup everything she says, there is a lot of discussion about her perspective. And stay to the end. We will be giving away a signed copy of Ambition Redefined. Here is Kathryn Sollman.

BOBBI REBELL:
Kathryn Sollman, you are a financial grownup. Welcome to the podcast.

KATHRYN SOLLMAN:
Oh, thanks for having me. It's great to be here.

BOBBI REBELL:
I love your new book. Congratulations on it. It is Ambition Redefined: Why The Corner Office Doesn't Work For Every Woman And What To Do Instead. It's like you read my mind, Kathryn.

KATHRYN SOLLMAN:
Yeah. We're in an era of women's empowerment, which is great, and we need to have a woman president, and we need to have more women running corporations, but that's very small percentage of women overall who want those kinds of jobs.

BOBBI REBELL:
Absolutely, and I do want to just mention that this is very important for men as well because men are huge stakeholders in this issue because they have so much at stake when it comes to not only whether they're women partners, their sisters, their mothers, their daughters work, but also the income that they generate because that can be a big factor when things don't go as planned, which brings us to your money story, which does have to do with your father and what happened and the impact on the rest of the family and the role that your mother had to play then in the family finances. Tell us your money story, Kathryn.

KATHRYN SOLLMAN:
I grew up in a very affluent community. My father was working in a big executive job in New York City. When I was in middle school, he lost that big job and he never fully recovered professionally. This then sent my mother, who was a former teacher, back to work and she hadn't worked in more than 20 years.

BOBBI REBELL:
Wow.

KATHRYN SOLLMAN:
So she had some fits and starts, but over time was able to reinvent herself to be an English as a second language teacher, but that wasn't really enough to keep the household going. So there was a tremendous amount of financial stress in the household. The financial situation at home got so tenuous that my father, a couple of times, took my little part-time afterschool paychecks to pay a few bills while he was waiting for some things to come in, and that had just a profound impact on me.

BOBBI REBELL:
What was your job?

KATHRYN SOLLMAN:
It was a company called the Danbury Mint. I guess I was a like an administrative assistant.

BOBBI REBELL:
And what kind of conversations did you have with your father or with your parents at this time?

KATHRYN SOLLMAN:
You know, it was a difficult environment because I felt like everything was always on pins and needles. I was young and it's not like I could have given my father advice. I was just kind of a victim.

BOBBI REBELL:
Well, what about your mother? How did she feel? Did you talk to her? Did she have regrets about having left the workforce? At the time, as you say, it was a different time. Did she feel she even had options not to leave the workforce?

KATHRYN SOLLMAN:
She felt a little powerless and she said that to me. She said, "Make sure that you always work because money is power." Not only in a relationship can money be power, but she said it's important that you have that power to support yourself and your family. I remember when she got one of her first big paychecks, she was very excited about being back to work and she bought herself a watch. I remember my father was very, very upset that she had bought that watch for herself because he felt like he should have bought it for her.

BOBBI REBELL:
What is the takeaway from your story for our listeners?

KATHRYN SOLLMAN:
You know, women really need to be sure that they're not delegating their financial security to a partner because even when things seem like they're going so well, you've got to realize that no job has a lifetime guarantee. The second thing is that women should always find a way to work in a flexible way, which in some circles, is very controversial. Women live longer than men. They typically earn and save less and it's very difficult to return to the workforce and recoup lost earnings when you've been out of the workforce for many years and women are out for an average of 12 years.

KATHRYN SOLLMAN:
If you feel like you have a moral obligation to be with your children 24/7, you've got to realize that if you ran out of money late in life, you would then, in fact, burden those very same children, which is basically what happened to me when my father took a couple of my paychecks. Fast forward, that's the same man who is not prepared for retirement and still alive at 89. At some point, he is going to run out of money and it's going to be my problem.

BOBBI REBELL:
All right, let's move on to the everyday money tip, which is also very important for women to have a sense of the contribution that they are making because, in some cases, many cases, they are not the primary breadwinner, but it is important to really understand that there is a significant contribution being made financially and you have a way to do that.

KATHRYN SOLLMAN:
What I always say is look at how much money you're bringing in each year and attach it to something. It could be two family vacations, it could be 50 percent or 100 percent of a college tuition bill, a child's braces, whatever it is, so that you can then say, "Okay, well I covered that. My money went to that." If you just put it all in the pot, it seems like your money is going to nothing or nothing significant.

BOBBI REBELL:
Right.

KATHRYN SOLLMAN:
And that's the way to make yourself feel better but also to, as my mother was saying, to exert a little power into the relationship and say, "I'm contributing too. This isn't just your ballgame."

BOBBI REBELL:
Which is very important because it makes it a lot more tangible. Let's talk about Ambition Redefined. I love this book. It's so relatable and there's a lot of truths in this that are not always spoken about, one of which is the fact that just because you were working flexible hours and sometimes part time hours does not mean you are earning less money or that you should settle for less money if you have the earning power in the market to earn more money.

KATHRYN SOLLMAN:
Yeah, it's absolutely true. A large percentage of freelancers earn more money than they were making in their full time jobs within a year. I was just speaking to a woman who had a full-time job with absolutely no flexibility. She needed more flexibility. She left and she found another job where she is working three days a week and she's working closer to home. She got rid of the commute and she's making 60 percent more than she was in the full-time job.

BOBBI REBELL:
So it's a question of finding the right job that values your skills. You also talk about something called a Type E, and this is important because I know a lot of our listeners are very interested in having their own business and being entrepreneurs. But it's important to make sure that's the right fit for you.

KATHRYN SOLLMAN:
That's right. When you're thinking about flexibility, what could be more flexible than being your own boss? So I find that lots of women think about, have these Walter Mitty dreams of starting this business or that business. The fact is that you have to be the entrepreneurial profile and the entrepreneurial profile is working 24/7 because there's nobody else to make this business work other than you, especially in the early stages before you might hire people. The other thing is that you have to wear so many hats.

KATHRYN SOLLMAN:
So if you have a dream to be a marketing consultant and you really love marketing, well, you might love that marketing discipline, but you probably or you may not love sales. Any job, any business that you develop, you've got to be a salesperson. And lots of people thinking about having their own business will tell me, "Well, I don't like sales. I never wanted to be a salesperson."

BOBBI REBELL:
Everything is sales though, right?

KATHRYN SOLLMAN:
Everything is sales. You've got to be selling yourself, your product, your service constantly. So you can't say you don't like sales and you can't say that you don't like financial stuff and numbers because you've got to work the numbers for your business. You've got to figure out how you're going to fund your business, even if it's a very small business.

BOBBI REBELL:
Tell us more about where people can find out more information about you, your book, and all your social channels so we can follow you.

KATHRYN SOLLMAN:
You can read more about my book on my website, kathrynsollman.com, and Facebook, Twitter, LinkedIn, and Instagram can all be found under @kathrynsollman.

BOBBI REBELL:
Wonderful. Thank you, Kathryn.

KATHRYN SOLLMAN:
Thank you. So great to be with you.

BOBBI REBELL:
Hey everyone. As I mentioned at the top, Katherine is very tough in her stance on the fact that women must always earn money. And that comes from personal experience, but still, financial grownup tip number one, no judging. Kathryn makes her point very well. She did her homework. It's a really well researched book and I live by most of her advice already in my own life, but part of being a financial grownup is understanding that there is a human element to money and an emotional element to the decisions that we make and all the decisions that go around our financial lives.

BOBBI REBELL:
Everyone faces different situations and there may be many seasons in one's life when a regular paycheck or earning power is just not as important as other things. Don't get me wrong, we must all be vigilant about financial security, but let's not judge if someone makes a decision that, from the outside, doesn't look good. Sometimes, by the way, it may look like somebody's choosing not to work or not to earn money, but in fact, they may be trying and just not have been that successful. Be a friend.

BOBBI REBELL:
Financial gonna tip number two. One idea in Kathryn's book that I loved was not to worry so much about work life balance, but to focus on blending. Maybe don't put pressure on yourself to turn off communication with work the minute you get home. It may work for some people, but it's okay if you give her child a bath, for example, and then you take a work call, and then you do story time. And maybe your kids stays up a little later than you wanted or whatever. Do what works for you to maintain your career path.

BOBBI REBELL:
And by the way, it is more than okay for your kids to know that you have other responsibilities and that paying attention to those other responsibilities may help pay, literally, for the fun things that you do together like your next vacation. Put them on your team, include them. Let them know that their good behavior and understanding when you have to do some work, even when it's supposed to be their time, helps the whole family.

BOBBI REBELL:
Katherine very generously sent along a signed copy of her book, Ambition Redefined: Why The Corner Office Doesn't Work For Every Woman And What To Do Instead for one lucky listener. To win, all you have to do is DM me with your takeaway from the episode. You can do it on Instagram @bobbirebell1, on Twitter @bobbirebell, or you can even email us at hello@financialgrownup.com. That is hello@financialgrownup.com.

BOBBI REBELL:
I love talking to Kathryn. She has so much value to add to this conversation. I hope everyone checks out her book, Ambition Redefined, and thank you, Kathryn, for helping us all get one step closer to being financial grownups. Financial Grownup with Bobbi Rebell is edited and produced by Steve Stewart and is a BRK Media production.

Lemonade and getting paid with writer Paulette Perhach
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Writer Paulette Perhach, known for her F*** Off Fund articles and website, has been featured in Cosmo and Glamour, but collecting cash from her writing clients was killing her ability to be a financial grownup. Paulette also shares her secret to free stuff- and previews her upcoming book “Welcome to the Writer’s Life, our August 15.. 

In Paulette’s money story you will learn:

-Why Paulette struggles with accepting whether or not she is a financial grownup

-How Paulette became famous, but without the financial rewards following that fame

-The job Paulette had that taught the her most about sales and marketing

-What Paulette did on the day she realized she needed to make some cash- fast

-How Paulette keeps her expenses in check to allow her to pursue her writing career

-Why collecting pay, in a timely manner, is just as important as getting hired

-How Paulette adjusted her pitch to focus less on her needs, and more on her customer needs

-The strategy Paulette used to leverage the contacts she made on one day, into future long term and consistent clients

-The psychological technique Paulette uses when she feels discouraged

In Paulette’s money lesson you will learn:

-The importance of keeping expenses low when income is unpredictable- and specific strategies to do that.

-How and why pay does not line up with work, and how you can manage cash flow challenges

In Paulette’s money tip you will learn

-How she gets things for free!

-The specific items and services she has received that were given to her and why, along with how she contributes to her community

-Where you can find Buy Nothing groups

-About Paulette’s new book “Welcome to the Writers Life”

-Paulette’s advice: If you are in the arts, you are also in sales

In My Take you will learn:

-The importance of keeping overhead low when starting a business, and maintaining cost controls

-How to integrate money making ideas into things you already do and enjoy

Episode Links

Paulette' website: Fuckofffund.com

Follow Paulette- and her bank balances!

Twitter: @PaulettePerhach

Instagram: @PaulettePerhach

Hire Paulette as a writing consultant and much more!! https://hugohouse.org/store/consultant/paulette-perhach/

Pre-order Paulette’s book “Welcome to the Writers Life” !

If you want to be considered for an upcoming listener episode- email us your money story, money lesson and money tip to info@financialgrownup.com

If you want to win a free custom video promo- share and retweet the promos when you see them - and make sure to tag @bobbirebell


Transcription

Paulette Perhac:
It's never been too good to hustle. Some days, you got to hustle and yeah, I have a Cosmo magazine right over there with my name in it. Guess what? I have 15 bucks in my bank account like I need to hustle today.

Bobbi Rebell:
You're listening to Financial Grownup with me, certified financial planner, Bobbi Rebell. Author of, How to be a Financial Grownup, but you know what, being a grownup is really hard, especially when it comes to money. But it's okay. We're going to get there together. I'm going to bring you one money story from a Financial Grownup, one lesson and then my take on how you can make it your own. We got this. Hey friends, before we get to our awesome guest, Paulette Perhac known for what she calls in our friendly universe, the Foe fund.

Bobbi Rebell:
It'll make sense, trust me. I just want to welcome all of our new listeners to the podcast and also welcome back our regular listeners. We keep your episodes short to fit your schedule, but also to be flexible. So you can binge and hear a few great stories when you have a little more time in your day. If you are enjoying the show, please take a moment to tell a friend about it. Share it on social media, we want to get your help growing the community and we really appreciate it by the way.

Bobbi Rebell:
Now to our guest, Paulette, as you will hear, I joke with Paulette Perhac that she's not quite a financial grownup, but really are we ever? It's a process and for Paulette, the process has been painful at times. She has received a ton of acclaim for her writing and even has been able to raise her rates a bit, but collecting the cash, that has kept her on the financial edge and forced her to get creative. You're going to like this one. Here is Paulette Perhac. Hey Paulette Perhac you're a financial grownup or at least getting there. Welcome to the podcast.

Paulette Perhac:
Thanks for having me, Bobbi.

Bobbi Rebell:
And we're getting it a little bit giggly, which will make a lot of sense in just a minute when Paulette tells her story. But you are an emerging major writer. You've had pieces all over the place including the piece that got you really famous called the F off Fund and we're going to keep it clean here so no worry. If you are in the car listening with your kids, but Paulette, before we get to your money story, tell us a little bit about this article that sort of blasted you into the universe.

Paulette Perhac:
So we call it in my family around my nephew the fore fund, so-

Bobbi Rebell:
The Fore fund, I like that.

Paulette Perhac:
As I was coming into my 30s and got a great job at a tech company and had for the first time a few thousand in the bank that didn't have a name on it. I was thinking back to some memories that I had of times that I was desperate for a job or couldn't move out because I just couldn't afford to. I realized, "Oh, it would've been so nice if I had, had this money in that bank account." And you don't really think about because humans have this optimism bias.

Paulette Perhac:
If you don't think bad situations you're going to get in. So, I really described a situation in which you do the normal thing. Where you're living paycheck to paycheck and then getting bad situations or if you decide to be someone who can have a fore fund in case you need it and what that would look like. So I described those two scenarios in the fore fund article. I thought it was just another essay and then it blew up and it went all around the world and just this month, both Cosmo and Glamour mentioned it. Two years later, which is crazy.

Bobbi Rebell:
Great, and now that's becoming a whole business, which we're going to circle back to. But I want to hear the money story that you're ready to share with us, and it's so apropos because just moments ago what crosses on my Instagram, but a snapshot of your bank account, which despite all of the success with your fore fund writing and the business that is emerging from that article, which is unbelievable, that this is all happening to you.

Bobbi Rebell:
Sometimes massive career success and prominence does not always connect to money. So, you found yourself one day with how much money in your bank account would you say?

Paulette Perhac:
So I had about $900 and my rent on my tiny place in Seattle was about to come through at 795.

Bobbi Rebell:
And by the way, because we were just joking about this, your apartment is how big.

Paulette Perhac:
It's 150 square feet.

Bobbi Rebell:
Okay. Just saying not like you're living so large.

Paulette Perhac:
Not living so large. So I was like, "What do I do?" And I had just been feeling like I'm living large because you and I were in the Catskills in New York. I'm going to these parties with like Aaron Lowery and meeting with my editor at the New York Times and having breakfast with another reporter at the New York Times.

Bobbi Rebell:
Just like big media people, big stuff that's happening.

Paulette Perhac:
Yeah, big stuff is happening. Having meetings with people who are on the Forbes Top 100 most powerful women list. Awesome, right? And we're in talks about future projects, et cetera. So, it's like everything's coming together. Then I landed home and I'm like, I have $100. I don't have any work lined up. I just posted yesterday on Instagram a timeline of something I'm about to get paid for. I pitched that story on February 12th. So that shows you how long it takes to get from pitch to payment?

Bobbi Rebell:
Right.

Paulette Perhac:
And so I'm like, "Oh my gosh, I'm in trouble. What am I going to do?"

Bobbi Rebell:
You need cash immediately.

Paulette Perhac:
I need cash. Yeah. So the panic starts to rise up, right? And I've really realized this year that the panic is not helping you and so you just have to calm down whenever you feel those feelings. I'm like, what will help you feel more powerful? I'm like, you need like an adult lemonade stand, and I just decided a lemonade stand-

Bobbi Rebell:
And by lemonade stand, what do you mean?

Paulette Perhac:
I mean like a personal mini business from which you feel fairly confident you could make some money in the next 24 hours and that's marketing, execution and billing. So, I took the last of my business cards and I printed up a label for the back. Mother's Day was that Sunday, so I'm like, Mother's Day, I'm hustling. So I printed up labels that said mother's Day photos, like quick and easy or quick and fun. Mother's Day photos, 15 minutes, 20 bucks.

Paulette Perhac:
And I took my camera. I looked at like, what are my assets, right? I have a car, I could drive around, I can't do uber, it's from 1996. So I could deliver food.

Bobbi Rebell:
Uber has standards.

Paulette Perhac:
Uber has standards, I do not. A to B, that's my standard. So I looked at my other asset, which is this really nice camera that I bought as an investment in my writing, in travel writing business. So I just went around and hustled all day, Mother's Day. I think I walked six miles. I ran out of business cards, but I-

Bobbi Rebell:
What was your pitch? Tell us your pitch.

Paulette Perhac:
My pitch. I started by being like, "Hi, I'm a local writer and a photographer," and people were just like, "ugh." So, I realize I'm talking about myself. Nope, so it evolves over the day to focus on the customer and I just said, "Hi, happy mother's Day," because no one's like, "Go away if you say Happy Mother's Day." I said, "Happy Mother's day, if you guys want a nice photo, I'm doing $20 portraits today." So it was a really fun day overall.

Paulette Perhac:
I felt empowered. I felt like I was taking control and then I got some follow up clients actually, I'm rewriting one of the groups of women. One of them was from San Francisco. She's a realtor from San Francisco. We got to talking. They were great, I gave them a little bit of extra time just because it was fun, and she is hiring me to rewrite her bio for 300 bucks.

Bobbi Rebell:
That's so awesome. That's so awesome. Wait, so how much did you make that day and how much did you make from that day going forward?

Paulette Perhac:
So my supplies were 12, and then I had to get more cards printed, which was like 33. So I was like, "Oh my gosh." So after taking those out, I only made $85 that day, which is not a ton, it's not nothing. What I realized was that I now have given my card out to a bunch of people who know I'm a photographer.

Bobbi Rebell:
Right.

Paulette Perhac:
One woman was pregnant, she asked me if I do maternity photos, and then next time what I'll do is just have an A frame sign and stay in one place. Because I think that, that will be more successful, less hustling work for me. I laid down at the end of that day in the park after giving out all my cards, and I was just pooped. I felt really good. I felt like the best kind of exhausted.

Bobbi Rebell:
But you did something.

Paulette Perhac:
Yeah, I did something.

Bobbi Rebell:
You did something, like you had a problem, and you did something proactive to solve it instead of just kind of living in your panic about money.

Paulette Perhac:
Yeah, and I think self-pity is really dangerous, especially if you work in the arts, because you have to remember like I chose this life, what am I going to do about it? Sitting there and just being like, "Wheh, I don't get paid on time. Wheh, it's hard to be a writer." Not saying I never sit there, but when I'm in that space I realize that it's dangerous.

Bobbi Rebell:
Talk about the lessons that you would share with our listeners. What's the takeaway here?

Paulette Perhac:
So I think the takeaway is knowing that you don't owe a whole lot. So for me low overhead is really important. You know, it's just nice to know that my rent including utilities, is 795, I almost never feel like, "Oh I can't pay that." I also have a book coming out in August, so that's a lot of unpaid marketing work for the book.

Paulette Perhac:
So I think having that plan, like knowing like what would I do today if I needed money and just knowing, so like for example, I'm going to go to a music festival over Memorial Day and I'm going to do it again, taking music festival portraits there. I'm really excited about that, and I think it's going to get better and better, and I'm going to make more and more every time I need to do that.

Paulette Perhac:
And I think eventually I won't need to do it anymore, but it's never been too good to hustle too. Some days you got to hustle, and yeah I have a Cosmo magazine right over there with my name in it. Guess what? I have 15 bucks in my bank account like I need to hustle today.

Bobbi Rebell:
So Paulette, tell us about your money tip.

Paulette Perhac:
So my favorite secret money tip is to join a buy nothing group, which are these groups that are popping up that kind of celebrate trading, and giving and, just offering if you have anything. And so I just got a Le Creuset casserole dish on it yesterday. I got a vacuum last week, and then when I moved into my tiny place, and I had a ton of stuff to give away, I gave away a bunch of stuff. I just got a haircut this morning on the buy nothing group at a place that usually probably costs 100 bucks for a haircut.

Bobbi Rebell:
Wait, how do they make sure that people don't come on and just take, take, take.

Paulette Perhac:
You could just take, take, take. I haven't seen that problem yet. You know, I think people are willing to give. It's things that they would be giving away anyway, but I have found that the more that I get from it, the more I want to give. And people have offered financial advice, people have offered instruments, and it's just kind of this nice community, especially if you live in a big city, it's a very small area. So now I kind of know my neighbors more.

Bobbi Rebell:
So how do you find these groups?

Paulette Perhac:
So I would google buy nothing, mine is the Facebook group.

Bobbi Rebell:
Is there criteria to get in, or they just let anyone in? How is it? It sounds too good to be true.

Paulette Perhac:
I know, right? Well, I think the thing is I've been in both situations where the things that people have given me have helped me so much to get new furniture or whatever. And so then once I got from the group giving was a pleasure.

Bobbi Rebell:
Well, you're also so much part of the writer's community. You spend so much of your time and energy giving back to other writers and supporting writers. Tell us about your book that's coming out soon. It's happening.

Paulette Perhac:
So on August 15th, my book, Welcome to the Writer's life is coming out, which is everything I've learned about the writing business, the writing craft and the writing life from being in a writing community. So it's a very crowd sourced book and very much wanting to give back what I've gained from living in a creative community. And it's like freshman orientation for new writers, and a lot of people have benefited from it even if they do business writing or side writing. You don't have to be a full time writer, you just have to want to get joy out of the act of writing.

Bobbi Rebell:
And what have you learned in your years about the business of writing? In other words, you talk about how hard it is to get paid.

Paulette Perhac:
I think if you're in the arts, you are also in sales, which we don't want to say out loud, but you have your leads, you have to bring your value prop, like you have to sell your stuff, and consider yourself a business. I wish that I had said I'm starting a freelance business, rather than I'm going freelance because that's what it is. So you're not ready for operations and marketing and sales and you just get sledge hammered by the reality of like, "Oh I got to go sell today," which is like what you have to do.

Paulette Perhac:
So I've been in it like two years full-time, and I'm just now like, I have a whole share point for my writing business. I'm getting serious because I don't want to fail.

Bobbi Rebell:
All right. Miss Paulette, how can people find you and follow you and hire you most importantly?

Paulette Perhac:
Yes so send money to ... No. I'm on Twitter @Pauletteperhac. My website is fuckofffund spelled out, .com, so fuckofffund.com, and I'm on Instagram @PauletteJperhac where you can see my bank balances. Just google me and you'll find me, and I have a lot of different projects. Mostly I want to bring people who want to live creative lives. I want to help them make the creative life happen while I figure it out. That's really the thing is like I'm someone who's traditionally bad with money.

Paulette Perhac:
I'm getting better with money and want to live that creative life. I love my life. I love my day to day that this is my life and I want to make it work. So I want to help other people do it too.

Bobbi Rebell:
Well, we love watching your star rise, so thank you so much.

Paulette Perhac:
Thank you so much, Bobbi.

Bobbi Rebell:
There is so much we can all learn from Paulette. I hope you enjoyed that interview. Financial Grownup tip number one. When you are running a business or just the business of your life, keep your overhead low. Paulette lives in a very expensive city, but she makes it work by keeping those costs down and living anything but large. Her apartment, as she mentioned, is a 150 square feet. That's a closet to some people, some very fortunate people, but still some people.

Bobbi Rebell:
She also literally does not pay for things. She's in a buy nothing group. So maybe find a buy nothing group near you. What a great tip. Financial Grownup tip number two, integrate your hustle into things you're already doing. Paulette loves to go to concerts and festivals, so she brings her camera and her business cards and you know what? She makes money even while living her life. Thanks Paulette. We have our first listener episode coming up very soon in the month of June.

Bobbi Rebell:
If you want to be on the show and have a great money story to share, email us at info@financialgrownup and tell us what the story is and what your everyday money tip would be if you were to be chosen. Thank you for being part of our Financial Grownup community. If you're enjoying the show, consider leaving a rating or review. And of course hit that subscribe button to make sure you don't miss any episodes.

Bobbi Rebell:
Follow me on Twitter @Bobbirebell, on Instagram @Bobbirebell1, and by the way, thanks for the great feedback on our promo videos. If you would like one for you or for your business, share the video when you see them. We'll be making one for whoever shares the most between now and July, 1st. You could even see them by the way, on our new YouTube channel. Just search for Financial Grownup with Bobbi Rebell, and you will find it.

Bobbi Rebell:
And by the way, soon after we taped Paulette's interview, she did finally get paid by her client, so a happy ending there. A quick reminder, Paulette's book, Welcome to the Writer's Life is available for pre order, so go get it. I think it's safe to say her story successfully brought us all one step closer to being Financial Grownups. Financial Grownup with Bobbi Rebell is edited and produced by Steve Stewart and is a BRK Media production.

Lauren Smith Brody says no to the offer she thought she always wanted
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Lauren Smith Brody, author of The Fifth Trimester turned down a high prestige offer when she realized saying yes would make her feel like a fraud. Then, a surprise turn of events proved the decision was the right one. 

 

In Lauren’s story you will learn:

  • Why she turned down a speaking engagement invitation she really wanted

  • How her entrepreneur philosophy has changed since her book was released

  • How turning down that so-called opportunity led to better ones

In Lauren’s lesson you will learn:

  • How she balances her desire to volunteer with the importance of being paid for your work

  • Her specific strategy to put a price on your time- even when you are volunteering

  • Specific ways parents can evaluate how much time to allocate to different commitments

In Lauren’s money tip you will learn:

  • The specific way she decides what to outsource, and what to do for herself

  • Tips for entrepreneurs on setting up their business

  • How taking the time to learn new skills like setting up a website and putting together presentations, improved her value as an entrepreneur. 

  • What she chose to outsource and the mistakes she made along the way. 

In my take you will learn:

  • Why you need to decide if you are a business, or a hobby. 

  • How to evaluate the true vale of an opportunity, beyond the direct financial benefit

  • Why I am adamant that entrepreneurs must trademark their brands

 

Episode links:

Squarespace

Harvey Karp’s book: The happiest baby on the block

Learn more about Lauren at http://www.thefifthtrimester.com/

Follow Lauren on instagram @thefifthtrimester

Follow Lauren on Twitter @Laurensbrody

Follow Lauren on Facebook @thefifthtrimester

Buy Lauren’s book The Fifth Trimester

In this Financial Grownup podcast episode, Lauren Smith Brody, author of The Fifth Trimester turned down a high prestige offer when she realized saying yes would make her feel like a fraud. Then, a surprise turn of events proved the decision was the…

In this Financial Grownup podcast episode, Lauren Smith Brody, author of The Fifth Trimester turned down a high prestige offer when she realized saying yes would make her feel like a fraud. Then, a surprise turn of events proved the decision was the right one. You'll also learn the things she decided to outsource and tips for entrepreneurs on setting up their business. #EntrepreneurInspiration #BusinessTips #Author

 
In this Financial Grownup podcast episode, Lauren Smith Brody, author of The Fifth Trimester turned down a high prestige offer when she realized saying yes would make her feel like a fraud. Then, a surprise turn of events proved the decision was the…

In this Financial Grownup podcast episode, Lauren Smith Brody, author of The Fifth Trimester turned down a high prestige offer when she realized saying yes would make her feel like a fraud. Then, a surprise turn of events proved the decision was the right one. You'll also learn the things she decided to outsource and tips for entrepreneurs on setting up their business. #EntrepreneurInspiration #BusinessTips #Author


Transcription

Lauren S. B.:
I didn't want to get up in front of a room full of women and know that I was sitting up there as a fraud, as someone who wasn't getting paid for this.

Bobbi Rebell:
You're listening to Financial Grownup with me, Certified Financial Planner, Bobbi Rebell. Author of How to Be a Financial Grownup. But you know what? Being a grownup is really hard. Especially when it comes to money. But it's okay. We're going to get there together. I'm going to bring you one money story from a financial grownup, one lesson, and then my take on how you can make it your own. We got this.

Bobbi Rebell:
Hey, friends. This episode is about saying no when you are not valued. And by being valued, I mean, being paid. My guest is Lauren Smith Brody. She is the Author of the bestseller, The Fifth Trimester: The Working Mom's Guide to Style, Sanity, and Big Success After Baby, which just came out in paperback.

Bobbi Rebell:
Lauren is also the founder of The Fifth Trimester Consulting business, which helps parents and businesses create a more family-friendly workplace culture. Lauren is also the former Executive Editor of Glamour magazine, and you've seen her all over the media, including Good Morning America and CNN. Here is Lauren Smith Brody. Lauren Smith Brody, you are a financial grownup. Welcome to the program.

Lauren S. B.:
Thank you. Thanks for having me.

Bobbi Rebell:
We'll talk more about this later, but your book, The Fifth Trimester, is out in paperback this week, so congratulations on that.

Lauren S. B.:
Thank you. It's been a fun year.

Bobbi Rebell:
You've been building The Fifth Trimester into a whole consulting business, which brings us to the story that you are going to share because it has to do with basically running your business, and how that's evolved.

Lauren S. B.:
I have learned so many financials this past year since the hardback launch last spring, I can't even tell you. The story that I wanted to share is about the first big thing I turned down. So this whole year has been about building, as an entrepreneur, my own business, and really having to put a price tag on my time, and on what exposure is actually worth to me, and what things I'm kind of willing to do for free for the good of the community, and the good of my business, and what things are really, I must be paid for. So anyway, I had a big bank. Like think of the biggest name bank you can possibly think of-

Bobbi Rebell:
I have a definite name in my head, but okay. Go on.

Lauren S. B.:
I'm not going to say it. The two came to me this week and it was through someone else. It wasn't actually totally direct, but the conversation got a little muddled along the way, and it turned out that they didn't want to pay me to do a presentation. They wanted me to do a presentation. Didn't want me to pay them, and I'm thinking-

Bobbi Rebell:
Literally free? Not a low pay, just free?

Lauren S. B.:
No, literally, free. And so then it was like, well, maybe they would buy a big quantity of books to give to all of their employees, which at least, sort of makes my soul feel a little better about the situation. And all I want to do is take a big screenshot of their logo, turn it gray, put it on my website, and say, "I spoke here. It's huge. It's worth so much to me." Except then, I found out that actually the event was a client event. They were trying to woo new business and I was basically going to be the hired entertainment, and they weren't going to pay me for it.

Bobbi Rebell:
No, they probably would pay the caterer, right?

Lauren S. B.:
Yeah. Oh, yeah. I'm sure the food would have been really nice. I wouldn't have eaten because I would have been speaking. Anyway, I don't mean to sound bitter. I'm actually not bitter. It made me feel so good to say no to this because it's the bravest I've been about saying no to something. It could have been valuable for me to have that exposure.

Lauren S. B.:
But actually, I didn't want to get up in front of a room full of women. It was going to be women, and talk about things like the pay gap, pay parity, the motherhood penalty, and know that I was sitting up there as a fraud, as someone who wasn't getting paid for this. So it felt good to make that decision and then the big PS is that the very next day, I got two more offers from other big corporations that want me to come and speak. I turned them right over to my speaking agent, she's negotiating it, and I think it's going to go well.

Bobbi Rebell:
And they will pay you.

Lauren S. B.:
And they will pay me because I feel confident enough that if I can say no to X thing, then I can probably say yes to a lot of other really good things.

Bobbi Rebell:
So what is the lesson? I mean, I feel like there's a lot of pressure, especially on moms, to volunteer.

Lauren S. B.:
Yeah.

Bobbi Rebell:
Because so many moms are so qualified, they're organized, they have their act together, and yet, they may not be working to maximize their income in certain years, so there's an expectation. "Well, you have the time. You should volunteer."

Lauren S. B.:
Right.

Bobbi Rebell:
I mean, and that's really what that was. Is you would have been a volunteer for this for-profit event.

Lauren S. B.:
Right, and you know what I love even more than my business, is I love my children, and I love their school, and I love all of the things that I can do for that community, to foster that community for them. And so what I really learned ... I worked in corporate America for many, many, many years in publishing. I worked at Condé Nast. And then so this is my first venture working for myself. This is the first time when I've had the freedom to do a lot of this volunteer work, and I do squeeze it in, in the middle of the day and then I'll end up doing a lot of my work-work in the evenings.

Lauren S. B.:
And so after saying yes to the umpteenth thing that I really did enjoy, I found that I had to kind of in my head, put a price tag on my time, which sounds a little crass. But it's only in my head. I'm not sharing it with anybody else. But it's I need to put a price tag on what is an hour of my volunteer time worth? It is, what sort of satisfaction does it give me? Is it worth X dollars of my day to miss this much work to be able to enjoy this much pleasure? Is it something that I'm doing with my kids? Is it something that will directly benefit them? Or, is it more of a sort of like status thing in the school, which is worth less to me, frankly, because it just doesn't feel genuine.

Bobbi Rebell:
But sometimes we feel obligated.

Lauren S. B.:
Yes, we do feel obligated. And it's okay, like when you're part of a community, you do have an obligation sometimes to be a part of it, but it's helped me. If I put a dollar amount on an hour of my time, both for work and for volunteering, and that has made me make a lot of decisions a lot more clearly and easily about whether I say yes or no to things.

Bobbi Rebell:
I want you to share a personal money tip, and I know the one that you've brought has to do with being an entrepreneur, and things that you have learned in terms of what you want to do yourself and what you outsource, and how to do that. How to decide.

Lauren S. B.:
Yes, there are so many mothers who are very, very, very good at outsourcing absolutely everything that is not something they're naturally good at. That's not me. I'm one of these people who would rather just do it all myself. Well, there's diminishing returns very often on that, and it comes back to what is an hour of my time worth? So when I was putting together my website, thank God there's Squarespace, and there's actually things that make it sort of intuitive and easier, but I have never done that before. I'm not even joking.

Lauren S. B.:
This is embarrassing to admit in a podcast. I had never made my own PowerPoint. I always had a staff of designers and assistants. I would tell them what to write and do and they would animate me this gorgeous PowerPoint. Well, those are two things I actually decided to do myself because I knew that in doing them, I would gain the confidence I needed to do a lot of other things. I had a little bit of a chip on my shoulder about having worked in print magazines and not so much in digital.

Lauren S. B.:
Now I feel I've built a website, I've built an online community, I have built a social network. I feel very digitally savvy, and I've grown that all myself, and that started with actually spending three days struggling through Squarespace, trying to figure out how to size pictures, and how to line things up, and how to communicate to an audience, really more than anything. So that was really valuable to me.

Lauren S. B.:
On the other hand, what I did spend my money on was trademarking my company name, The Fifth Trimester, which ended up, has been ... I am so grateful there have been probably a dozen moments over the last dozen months when I have been so glad that I own that trademark. It is now something I can license. It is actually worth something to me.

Lauren S. B.:
I actually expanded the trademark to several other categories a few months ago, so that if I want to claim it in many other ways, I can. And that is definitely something I couldn't have done myself. I actually initially signed on for one of those online legal websites, and I realized I didn't know what I was doing, and I ended up hiring a real lawyer to really do it for me.

Bobbi Rebell:
Yes, I actually did the same thing with Financial Grownup, and it gives me a lot of security because I knew when I went to do the podcast, I had the audio rights to it, and I wouldn't have a problem. I think that legal money when you're not a lawyer, is definitely money well spent. You want to be protected because you're building this business, so for entrepreneurs, spend money on the right things. So speaking of The Fifth Trimester, so as I mentioned at the beginning, it's paperback week. Congratulations.

Lauren S. B.:
Yeah, thank you. Thanks.

Bobbi Rebell:
This has been quite a journey. First of all, it's been a bestseller. I love seeing it on the shelf in Barnes & Noble in my neighborhood, which is really nice. It's usually in a beautiful display because people love this book.

Lauren S. B.:
Oh, thank you.

Bobbi Rebell:
It's really resonated with so many people. I wish it was there when I had my son, 10 years ago, because I would have felt so much better having a guide going back to work.

Lauren S. B.:
It is the book I needed. It's the resource I needed. When I was pregnant, during my first three trimesters, of course, I had Baby Center to tell me when my fetus was the size of a kumquat, and when he was the size of a cucumber, and then he was ready to be born. Then I learned about something called The Fourth Trimester, which was the newborn phase because the idea is that human babies are actually born a whole trimester too early. So to soothe a newborn, you recreate the feeling of the womb-

Bobbi Rebell:
Right, we swaddle.

Lauren S. B.:
Yeah, so we swaddle. Exactly. Swaddle, we shush, we swing, all of those S verbs. It's the Harvey Karp idea. Then when I got back to work, all that support sort of fell off. I have to tell you, I was working in a fairly supportive industry, surrounded by women who were very comfortable talking about things like breastfeeding. I had a supportive spouse. We had enough money in the bank that I could take a few weeks of my leave unpaid. I did have to back after 12 weeks, which to me, was not quite enough. But it's what I needed to maintain my job.

Lauren S. B.:
And yet still, I just felt like there was nothing out there to support me. I ended up, years later, I had the idea that this was transition, that I had gotten through essentially another trimester. This one was for the Working Mom, and I had colleagues who said to me, younger colleagues who weren't in this phase of life yet who said, "Thank you for being so honest and transparent about what's hard here, because ..." And I thought, "Oh, gosh. Have I been unprofessional?" And they were like, they went on to say, "Because you've shown me I can do it one day, too. You've shown me that it's hard, and that I will still get through it, and it will be okay."

Lauren S. B.:
That was really a eureka moment for me, when I realized that my next goal in the next phase of my career was going to be support new parents in this transition back to work.

Bobbi Rebell:
And it's more than a book now.

Lauren S. B.:
It is, yes. It's a movement. For the book, I interviewed hundreds and hundreds of new working moms to figure out what worked for them, and they've become this sort of working, collective working mom mentor for anybody going through it. But what I found is that in speaking, I go into companies and I help them make, not just better policies, but actually better culture so that even if they have good policies, a lot of these, especially the big tech companies, the big law firms.

Lauren S. B.:
People feel like they can't use what's available to them. This actually lets them change the culture, lets them use what's theirs, sort of equalizes things between moms and dads, and people who don't have children, and may never have children. To make things fair for really anyone with a personal life in the workplace.

Lauren S. B.:
So I've been in, I'm going into Google next week. I'm going to AmEx. I've been to Facebook. I've done a ton of big law firms. It has been so fulfilling and the room is full of not just new moms, or expectant moms, but also the managers who really want to support them. And that is, we are in a groundswell movement for women's rights in the workplace and it has been a good moment to be here.

Bobbi Rebell:
Well, we are lucky to have you leading the charge there. Tell us where people can find you.

Lauren S. B.:
Oh, absolutely. So I'm all over Instagram. Too much, it's-

Bobbi Rebell:
I love your Instagram.

Lauren S. B.:
Oh, thank you. I'm having so much fun with stories in the new font. And again, like that's because I made my own website, that I feel confident that. And then on Facebook, it is The Fifth Trimester. On Twitter, I'm @LaurenSBrody. Lauren Smith Brody. Lauren S. Brody.

Bobbi Rebell:
Here's my take on what Lauren had to say. First of all, Financial Grownup tip number one. Are you a business or an expensive hobby? You cannot be afraid to say no to something if it does not benefit your business if you are running a business. In some cases, you may say, "You know what? I do want that logo on my website. I don't like the deal, but the logo on my website does present enough value to me that this time, I am going to say yes." That's okay, but realize you have set a low and, frankly, unsustainable price point.

Bobbi Rebell:
You will never make a profit if you don't get paid. There will come a time when you have to say no to free. Or, like I said, "You just have an expensive hobby." If a for-profit company is running a marketing event to bring in clients to benefit their business, and they don't have a budget for speakers, it is because they made a choice when they created that budget. It's just not something that they value. So think, "Are these people that you want to be in business with? And, will you feel good about being there?"

Bobbi Rebell:
Financial Grownup tip number two. Lauren also talked about trademarking. If you are investing your time in a new venture, make sure you protect it. And frankly, make sure you're not violating some else's trademark. This is serious stuff. If you are not a lawyer, and I should say a lawyer that specializes in this, get a pro. Get the right lawyer for this. Don't mess around. The last thing you want is to devote your limited time and resources to something, only to have someone swoop in, and benefit from the brand value that you have created.

Bobbi Rebell:
All right. Thank you all for all of your support and feedback. I truly appreciate everyone who has subscribed, rated, and reviewed the podcast. If you're listening and you haven't subscribed yet, it's free. Hit that subscribe button. Of course, please follow me on social media @BobbiRebell on Twitter, and at BobbiRebell1 on Instagram, and go to my website. Sign up for my newsletter so I can keep you posted on everything going on with the show and other projects.

Bobbi Rebell:
I hope you enjoyed Lauren's story and that we all got one step closer to being Financial Grownups. Financial Grownup with Bobbi Rebell is edited and produced by Steve Stewart and is a BRK Media production.