Page 2

How Bad Behaviors Yield Bad Returns

1
martinis and your money

How Bad Behaviors Yield Bad Returns

On this episode of Martinis and Your Money, I’m talking to New York Times bestselling author, Dr. Daniel Crosby, to discuss the problems we have as human beings leaving our investments alone!

Investor behavior is the #1 reason portfolios don’t grow – and that’s because we let our emotions drive our decisions rather than tried-and-true financial planning principles.

Dr. Daniel Crosby has been studying investor behavior for years and offers sound solutions to help us follow the laws of wealth based on the 10 Commandments of Investor Behavior written in his book, The Laws of Wealth: Psychology and the secret to investing success.

As a side note: the first Financial Gym location has opened in New York City at 226 5th Avenue, 5th Floor. Please stop by and have a drink with us if you are in the area or check out The Financial Gym online for its tools and resources to help you break free from your financial challenges and live a financially healthier life! We’ll kick your assets into shape!

What are we drinking?

Daniel — Coke Zero (he has never had an alcoholic drink in his life)

Shannon — Vodka & fresh grapefruit juice

Podcast Notes

  • Daniel is the son of a financial advisor and grew up in a house where money was heavily discussed.
  • He went to school to be an investment advisor and left after his freshman year to be a missionary for his church.
  • After a couple of years, he went back to school and switched his major to psychology.
  • While in school for his PhD in clinical psychology, he switched to a non-medical and non-clinical application of psychology.
  • Daniel now has an asset management firm, Nocturne Capital, and also speaks at events throughout the year helping train financial advisors.
  • Shannon says behavior and emotion are what complicate weight loss and finance – especially investing.
  • Dan says you need a financial advisor, but not for the reason you think.
    • Research shows that people who work with an advisor outperform dramatically, but mostly because advisors manage their bad behaviors and keep them from making bad decisions.
    • 90% of performance returns are based on asset allocation and only 10% are based on actual assets you pick (individual stocks vs. ETFs vs. mutual funds, etc).
  • Daniel discusses the two different parts of his book, The Laws of Wealth.
    • Part 1 is 10 commandments of investor behavior
    • Part 2 is about how to apply social science to the actual construction of portfolios and selection of securities.
  • The 10 commandments are widely applicable and great for everyone.
  • Commandment #1 – You control what matters most.
    • People tend to think external factors are the biggest driver of whether or not they will reach their financial goals, but that is not the case.
    • Shannon says she is more concerned about her clients having the money to invest than actually investing – it is your day-to-day activities that are going to get you where you want to go.
    • Daniel says fund managers are prone to all the same biases we are unless they automate their systems to take human behavior out of the equation.
  • Commandment #2 – You can’t do this alone.
  • Commandment #8 – Excess is never permanent.
    • In his book Daniel discusses how corrections in the market happen with greater regularity than Christmas.
  • His solutions for people who invest and are concerned that their emotions will impact their returns are:
    • Enlist outside help (Commandment #2)
    • Follow a rules-based approach
  • Shannon’s solution for people who invest and are concerned that their emotions will impact their returns are:
    • Align your asset allocation with your goals in life and stick to that
  • Commandment #9 – Diversification means always having to say you’re sorry.
    • Shannon says she loves the bond market because it is very formulaic and has a lot less emotion to it.
    • Everyone wants to benchmark to stocks when times are good, but then everyone suddenly loves fixed income when things are bad.
    • You’re never going to have the most high-flying results with a diversified portfolio – something is always going to be down, but something is always going to be up too.
    • That is why diversification is a very sensible approach.
  • Even though it seems counterintuitive, you need to be process-based and not outcome-based because the outcomes are so uncertain in financial markets.
  • TAKEAWAY: Your financial choices are heavily driven by emotion and the more that you can create a system to protect yourself from those emotional times, the greater the financial returns you can expect!

Random Three Questions

  1. If you won a free trip anywhere in the world, where would you go and why?
  2. What is a book that has influenced your life?
  3. What do you like to do on your down time?

Connect with Daniel:

Website

Twitter: @danielcrosby

Do you get emotional with investing?

Free Tax Prep vs. Paying a Professional

1
martinis and your money

Free Tax Prep vs Paying a Professional

As Benjamin Franklin once said, “In this world nothing can be said to be certain, except death and taxes.” On this episode of Martinis and Your Money, I’m talking to Eric Nisall, an accountant, entrepreneur, and founder of the company AccountLancer, about taxes. If you are like me, you would pay anything to not have to do them yourself. However, that might not be the best idea from a budget and tax-planning perspective. Eric is going to answer some common tax questions and help you prepare for the certainty of tax time. Cheers!

As a side note: the first Financial Gym location has opened in New York City at 226 5th Avenue, 5th Floor. Please stop by and have a drink with us if you are in the area or check out The Financial Gym online for its tools and resources to help you break free from your financial challenges and live a financially healthier life! We’ll kick your assets into shape!

What are we drinking?

Eric — Jack & Coke

Shannon — Vodka & fresh grapefruit juice

Podcast Notes

  • After two decades or so in the public accounting sector, Eric chose to start his own business and focus on the accounting areas he preferred.
  • Eric says hiring an accountant is based on need and affordability.
  • There are times when it doesn’t make sense to outsource something like that:
    • If you aren’t making enough money
    • If you don’t have the volume of transactions that makes it worth spending the money
    • If you have very, very low overhead costs
  • The same goes for hiring a professional to do your taxes.
  • If you just have a W-2 and maybe some interests and dividends, you are perfectly fine using TurboTax or whatever else.
  • Eric explains some possible errors that can occur when doing your taxes on your own.
  • EVERYTHING you do impacts your taxes!
  • Some examples of things that impact your taxes are:
    • Moving from one state to another
    • Having a baby
    • Earning over a certain amount of money
  • Estimating taxes is a tricky situation for freelancers and the self-employed.
  • Eric suggests estimating year to date at the end of each quarter to give yourself flexibility to adjust if you are doing better or worse than before.
  • Accessibility is something to look for if you choose to hire an accountant.
  • You should not have the fear of change when it comes to switching accountants; you want to make sure you are getting your money’s worth!
  • Some red flags to be aware of if you plan to hire an accountant or pay for a service to help you prepare your taxes:
    • Overpayment for services rendered
    • Hired person doesn’t sign their name as a paid preparer
    • You don’t know who is doing the actual work for you
    • Pricing structure of the company you choose to hire
  • Take the time to research who you may hire and the services you will be paying for.
  • TAKEAWAY: You don’t always have to pay for a service when you can do it yourself. If you do pay for a service, make sure you are getting your money’s worth – especially where your taxes are concerned.

Random Three Questions

  1. What is a show that you love to binge-watch?
  2. New Year’s resolutions: yay or nay?
  3. If you could go anywhere on any kind of vacation, where would you go and why?

Connect with Eric:

AccountLancer

Personal Website

Do you do your own taxes or pay a professional?

2016 Year End Happy Hour

3
martinis and your money

2016 Year End Happy Hour

Today is the last Friday of the month and in case you are new to this blog or my podcast, on the last Friday of the month, I host a happy hour on my podcast where the happy hour ladies and I talk about various money topics while drinking cheap drinks!

Today’s Happy Hour is our last happy hour of 2016! As we did last year, the ladies and I are taking a look back at our 2016 to share our highlights and our lowlights, and then we are setting some big goals for ourselves in 2017. As always we had a great time, and I hope you enjoy this episode! Cheers!

Don’t forget to check out The Financial Gym and its tools and resources to help you break free from your financial challenges and live a financially healthier life!

What are we drinking?

Melanie from Dear Debt — Menage a Trois Prosecco

Tonya from Budget and the Beach — Cook’s Extra Dry Champagne

Mrs. Frugalwoods from Frugalwoods.com — cheap champagne

Shannon — Roederer Estate Sparkling Wine

Podcast Notes

  • Tonya says 2016 was her best financial year ever.
    • Her net worth increased by $46,000!
    • Having readily available cash eliminated a lot of her worry when she needed to visit the ER and when her cat needed health care.
  • Melanie says this year has had the highest highs and lowest lows.
    • She reached her income goal that she set last year.
    • She published a book this year – Dear Debt: A Story About Breaking Up With Debt
    • She moved back to Los Angeles and is now near her family and friends.
    • The move turned out to be more expensive than she thought.
    • She didn’t realize she entered a new tax bracket and didn’t save accordingly.
    • A year ago her net worth was practically $0 and now it is close to $20,000!
  • Frugalwoods’s main goal for 2016 was to keep Babywoods and Frugalhound alive.
    • She achieved this goal – Babywoods is doing incredibly well J
    • The Frugalwoods closed on their homestead in May 2016 and moved to Vermont.
    • Frugalwoods quit her “W-2” job and started freelancing.
  • The highest high of Shannon’s year was opening the first physical location of the Financial Gym.
    • It has been a 3-year process!
  • The Martinis and Your Money Podcast had 1,000 downloads in December 2014 (the first year launched), 6,700 downloads in December 2015, and will have over 20,000 downloads in December 2016!
  • The ladies share their goals for 2017.
    • Shannon plans to have 10 gyms open by the end of 2017.
    • Tonya wants to increase her net worth by at least the same amount that she increased it in 2016, and she wants to travel.
      • She says she is at a crossroads about what she wants to do next personally and that 2017 will be an exploring year.
    • Melanie wants to change her income this year and make a lot more money from speaking, coaching, and events – not 99% from writing because she does not want to feel pressured to write anymore.
    • Frugalwoods wants to keep Babywoods and Frugalhound alive for another year and keep on top of managing the homestead.
      • She is also very excited to focus on strategic charitable giving in 2017!
    • Focus on the good stuff – there is always bad stuff, but life should be about the good stuff!
    • Look back on 2016 and appreciate how far you’ve come.

Thank you to my readers and listeners for making 2016 an incredible year for me. You made my highs even higher and made my lows more bearable. I love and appreciate all of you, and I thank you for coming on and staying on this journey with me! I hope you have a safe and happy New Year, and that 2017 is filled with big and exciting things for you and your families!

What are your highlights and lowlights of 2016? What are your big goals for 2017?

Bitcoin Explained

2
martinis and your money

Bitcoin Explained

On this episode of Martinis and Your Money, I’m talking to entrepreneur and host of the Liberty Entrepreneurs Podcast, Ashe Whitener, about something he’s very passionate about – Bitcoin. I have to confess that until this conversation, I had no clue about Bitcoin. I had heard about it, but I really didn’t know what it had to do with me personally. If you’re like me, you will really enjoy this conversation with Ashe and feel more confident in your Bitcoin knowledge at the end of the day, which is truly my goal with this podcast. I hope that at the end of every show my listeners feel educated and entertained. Cheers!

As a side note: the first Financial Gym location has opened in New York City at 226 5th Avenue, 5th Floor. Please stop by and have a drink with us if you are in the area or check out The Financial Gym online for its tools and resources to help you break free from your financial challenges and live a financially healthier life! We’ll kick your assets into shape!

What are we drinking?

Ashe — Lemon vodka & mountain dew

Shannon — Deep Eddy’s grapefruit vodka & club soda

Podcast Notes

  • Ashe is very passionate about digital entrepreneurship and how it helps people become the freest person that they can.
  • Before becoming an entrepreneur, he went to school and graduated with a few engineering degrees and worked as a computer programmer for several years.
  • As the economy was crashing in 2007, Ashe sought out other individuals that liked economics, appreciated the free market and entrepreneurship, and wanted to take a chance.
  • He then moved down to St. Vincent and the Grenadines to help start Euro Pacific Bank.
  • His interest in Bitcoin began in 2011.
  • Bitcoin was created in January 2009 as an opt-in/opt-out type of financial system and currency.
  • It is a computer science-based currency rather than a central bank and political-based currency.
  • There is a cap for bitcoin set at 21,000,000 and this allows us to know the exact inflation rate for it.
  • When Bitcoin was invented, it created the internet of digital scarcity.
    • This is the most fundamental aspect of Bitcoin.
    • For the first time ever, you can give someone something over the internet and then no longer have access to it.
  • To purchase bitcoin as an individual, you connect your bank account to a Bitcoin exchange – very similar to stocks.
  • Your bitcoin is kept in an online wallet/app – such as airBitz – which is controlled completely by you.
  • One site that allows you to pay for purchases using bitcoin is gyft, which sells gift cards from over 200 retailers.
  • You shouldn’t use bitcoin just to use bitcoin – it needs to solve some pain.
  • Shannon says she thinks a risk of bitcoin is the chance it potentially could be controlled by one person.
  • However, Ashe doesn’t believe there is much of a chance for that to happen and explains why.
  • Bitpay has all the bitcoin exchange rates.
  • Shannon asks Ashe if he is ever concerned about the exchange rate of bitcoin.
  • Ashe explains that since bitcoin is so decentralized – not owned by one central bank or central government – it trades 24 hours a day/7 days a week/365 days a year making it much more secure and trustworthy.
  • Bitcoin was the first of the digital currencies, but now there are hundreds of different digital currencies.
  • Shannon asks Ashe where he sees the future of digital currencies heading because she wants to know why she should learn and care about it.
  • TAKEAWAY: Never sit on the sidelines and feel dumb about any subject matter, like I did about bitcoin. Take the time to do some research – talk to experts, read blogs, or listen to podcasts – and find the knowledge. “Knowledge is power!” – Francis Bacon

Random Three Questions

  1. If you could live anywhere in the world, where would you live and why?
  2. What is a show you like to binge-watch?
  3. If you won a million dollars, what would you do with it?

Connect with Ashe:

Liberty Entrepreneurs Podcast

Twitter

Facebook

YouTube

Ashe’s bitcoin t-shirt store

Do you invest in Bitcoin or use it to pay for goods or services? If yes, why? If no, why not?

Making Big Leaps Less Scary

1
martinis and your money

Making Big Leaps Less Scary

On this episode of Martinis and Your Money, I’m talking to Kathlyn Hart, a motivational speaker, coach, and host of the Big Leap Show, about taking big leaps in our careers. A leap of any size can be a scary thing for most of us, even though some of us are more inclined to take them than others. I’ve taken a few big leaps in my career, and I have to say that despite the ups and downs afterward, I wouldn’t change a single thing. I encourage you to listen to this show and get inspired to make a big leap of your own in 2017! Cheers!

As a side note: the first Financial Gym location has opened in New York City at 226 5th Avenue, 5th Floor. Please stop by and have a drink with us if you are in the area or check out The Financial Gym online for its tools and resources to help you break free from your financial challenges and live a financially healthier life! We’ll kick your assets into shape!

What are we drinking?

Kathlyn — a Moscow Mule

Shannon — a Vodka Tonic

Podcast Notes

  • Kathlyn spends most of her days working on her podcast and interviewing badass women in business.
  • Outside of her podcast, she does business consulting and website design.
  • Kathlyn says taking a leap and starting her business was the ultimate dream.
  • She wants people to know that every single person that makes something happen is scared but there is a way through the madness!
  • To take a big leap, you have to have something pulling you.
  • Kathlyn switched careers from working in non-profit to architecture – her childhood dream job.
  • She didn’t have the necessary skills for architecture so she tailored her resume to showcase how she could actually help the company and sent it to as many architecture and design places until she got a job.
  • Shannon tells a story about a previous client’s big leap and what she said to encourage her to take that leap.
  • Shannon and Kathlyn both agree that if you are going to make the big leap, don’t burn any bridges behind you.
  • Women tend to overthink more than men, and Shannon believes this is why men leap more often than women.
  • Kathlyn says if you think you want to take a leap, test it out first.
  • Shannon says if you feel like you need to make a move and take a leap, there is a reason for that – a lot of people don’t have that desire.
  • Kathlyn has interviewed almost 45 “leapers” for her podcast.
  • It took her 3+ years to record her first interview because of how nervous she was to take that leap.
  • Shannon agrees and says the Financial Gym was supposed to open 3 years earlier than it did.
  • Kathlyn has learned several major lessons from her big leap and the women she has interviewed for her podcast.
    • Taking a leap because you hate your job often leads to trouble down the road because success doesn’t happen over night.
  • TAKEAWAY: Practice leaping in smaller ways so that you can get more comfortable when a bigger leap may present itself to you! Either way I encourage you to leap!

Random Three Questions

  1. What is a book you’ve read that has inspired you?
  2. If you could live anywhere else in the country, where would you live and why?
  3. If you were to win a million dollars, what would you do with it?

Connect with Kathlyn:

The Big Leap Show

Website

Twitter

Facebook

Instagram

Youtube

Pinterest

Have you ever taken a big leap in your career?

Shopping the Exchanges for Health Insurance

1
martinis and your money

Shopping the Exchanges for Health Insurance

On this episode of Martinis and Your Money, I’m talking to Jennifer Fitzgerald, founder and CEO of PolicyGenius, about healthcare: What you need to know about the Exchanges, how hard you should hold onto your family doctor, and the benefits that may be available to you. Figuring out healthcare on your own can be extremely frustrating and difficult to understand. PolicyGenius has created a great resource to simplify the process for you. Cheers!

What are we drinking?

Jennifer — Coffee

Shannon — Coffee

Podcast Notes

  • PolicyGenius is a company meant to help consumers shop for and pick the right insurance policy – including life insurance, disability insurance, pet insurance, and as of November 2016, health insurance.
  • Among all the financial decisions someone makes in a year, health insurance is a really important and difficult one, and PolicyGenius strives to make it easier to understand and find the right policy.
  • Open enrollment is a 3-month period that runs every year where anyone without insurance through their employer is able to purchase health insurance.
  • The purchasing period for health insurance is so restrictive so people are not able to game the system and purchase health insurance right before or after a serious medical incident occurs.
  • People who already have health insurance, either through their employer or on their own, and do not like their plan should reevaluate and choose the best policy for them during this time.
  • It is common for people to continue with their health insurance plan even if they are not satisfied with it.
  • Shannon says she notices a lot of times people are actually over-insured or under-insured.
  • PolicyGenius captures every state’s plans and offerings based on the zip code.
  • A big decision to consider with health insurance is the premium you pay and the out-of-pocket costs associated with health care – with a high premium out of pocket costs are less and with a low membership, the out of pocket costs are higher.
  • Jennifer says its like choosing a health club membership.
  • The Exchange is a government term for the online health insurance marketplace.
  • The main marketplace is healthcare.gov.
  • Some states opted to create their own marketplace and are not included on the federal government marketplace.
  • Financial assistance and subsidies are things people often don’t know much about.
  • If you make between $12,000 and $45,000 a year, you qualify for financial assistance in the form of a tax credit, which you can opt to take a head of time to put towards what you pay for health insurance.
  • If you qualify for a subsidy, you have to purchase an on-exchange plan as those are the only plans the subsidy may be applied to.
  • All of the marketplaces have a subsidy calculator that allow you to check if you qualify.
  • There are penalties for not having health insurance.
  • The tax penalty this year is 2.5% of your income or $600 per person and occurs if you don’t have health insurance for more than 3 months in a row.
  • Shannon says she has had plenty of clients find good healthcare plans on the marketplace.
  • PolicyGenius allows you to shop for insurance anonymously and walks you through the purchasing process.
  • Jennifer cautions people to not pick a health insurance plan based on whether your doctor accepts it or not because that could change suddenly.
  • There is a deadline to enroll on the 15th of every month during the open enrollment period in order to be covered by the 1st of the following month.

Random Three Questions

  1. Are you a holiday movie or music fan?
  2. If you could live anywhere else in the world, where would you live and why?
  3. If you won a million dollars, what would you do with it?

Connect with Jennifer:

PolicyGenius

Bonus: Live from The Financial Gym

  • Shannon and Bridget are drinking White Claw Hard Seltzer which is available to gym members at the Financial Gym location!
  • Bridget is back today to discuss a story she has with healthcare insurance.
  • After leaving her previous job where she received health insurance and had to purchase a plan on her own, she opted to stay enrolled in her same plan.
  • What she didn’t realize is that she was enrolled in a plan that cost $720 a month when paying it herself!
  • Bridget decided to use PolicyGenius to find a new policy.
  • She discusses her experience with PolicyGenius as well as the steps she took to find and purchase a new policy through their site.
  • Searching for a new plan and filling out the application was a very quick and straightforward process.

Have you had to shop for your health insurance?

What to Know When Starting a Small Business

6
martinis and your money

What to Know When Starting a Small Business

On this episode of Martinis and Your Money, I’m talking to personal finance expert and business coach, Sylvia Inks, about her new book – Small Business Finance for the Busy Entrepreneur: Blueprint for Building a Solid, Profitable Business. Starting a business is more than having a great idea. You don’t want your amazing idea to never see the light of day just because you failed on the execution of it. Sylvia discusses what to do – and what to avoid – when starting a small business.

As a small business owner myself, there are many things I wish I did differently when I established my business, and I found this conversation with Sylvia incredibly helpful. Cheers!

What are we drinking?

Sylvia — Earl Grey Tea

Shannon — Club Soda

Podcast Notes

  • Sylvia grew up in a family that talked openly and frequently about money with her from a young age.
  • When she first started dating her husband, she would talk about money with him at dinner, and he would get up and walk out.
  • She then began to realize that many educated and career-driven people with great business ideas often grow up without a background in financial literacy.
  • Sylvia wrote her book to help entrepreneurs establish a solid foundation so they can start their business from a good place where it can become profitable and stay in business!
  • The book provides 21 steps to financial success for your business as well as case studies from real entrepreneurs.
  • Shannon asks Sylvia what advice she has for someone who has a great idea for a business but doesn’t know what to do next.
  • She also provides advice for those who don’t have an idea yet but know they want to start a business.
  • Shannon says that, besides money, passion is what sustains small business owners while they are building their business.
  • Sylvia and Shannon discuss some of the biggest mistakes small business owners make when starting a business.
  • They both agree entrepreneurs should outsource some work instead of trying to do everything themselves to eliminate stress!
  • Shannon talks about how much she loves her virtual assistant ClaireJ
  • Sylvia shares her final piece of advice to aspiring entrepreneurs and current small business owners.
  • TAKEAWAY: Take every step you can to insure that your business idea will find its appropriate market!

Random Three Questions

  1. If you could live in any other city in the world, where would you live and why?
  2. What is a book that has inspired your life?
  3. If you won a million dollars, what would you do with it?

Connect with Sylvia:

Book

Website

Twitter

Facebook

Do you have any tips for someone looking to start a small business?

Holiday Traditions or Lack Thereof – Happy Hour Style

2
martinis and your money

Holiday Traditions or Lack Thereof – Happy Hour Style

Today is the last Friday of the month and in case you are new to this blog or my podcast, on the last Friday of the month, I host a happy hour on my podcast where the happy hour ladies and I talk about various money topics while drinking cheap drinks! Since today’s Happy Hour episode is airing the day after Thanksgiving, the ladies and I are sharing some holiday traditions (or lack thereof)!

The holidays have different meanings for everyone, as you will hear in this show, and they evolve over time. However, they almost always bring together people who love and enjoy each other. Cheers!

Don’t forget to check out The Financial Gym and its tools and resources to help you break free from your financial challenges and live a financially healthier life!

What are we drinking?

Melanie from Dear Debt — Pumpkin Spice Rooibos tea with a shot of Scotch

Tonya from Budget and the Beach — SoCal Mule

Mrs. Frugalwoods from Frugalwoods.com — Pumpkin beer

Shannon — Tito’s vodka with Grapefruit San Pellegrino

Podcast Notes

  • This Thanksgiving will be a first for Shannon so she will be creating brand new traditions.
  • Some of the Frugalwoods’ Thanksgiving traditions include hosting Mr. Frugalwoods’s parents and sister every year and cooking a traditional holiday feast.
  • The holidays are a time when Mrs. Frugalwoods does not worry about the costs of hosting family members and cooking for everyone.
  • Shoofly pie is a traditional Frugalwoods’ Thanksgiving dish.
  • Melanie says the last six years she and her boyfriend and family met in San Francisco to celebrate Thanksgiving.
  • This year she is celebrating with her parents and her boyfriend’s parents as well as with her grandpa.
  • Tonya says in her 20s and early 30s, she had a lot of Friendsgivings, but now every year is different.
  • For the last five years, she has done a local 5k run with some friends.
  • She gets her Thanksgiving meal from Whole Foods.
  • Shannon says she doesn’t view family events as relaxing.
  • Melanie is hoping nobody brings up politics at Thanksgiving this year.
  • The ladies agree everyone had a “drunk uncle” figure in the family.
  • Tonya adds that she watches The Sound of Music every holiday.
  • The ladies discuss their must-have Thanksgiving dishes:
    • Tonya’s are pumpkin pie and stuffing, but not fancy stuffing.
    • Melanie’s is pumpkin pie.
    • Frugalwoods’s is also pumpkin pie.
    • Shannon’s is stuffing.
  • Melanie and Tonya say they would rather be a guest than a host for the holidays.
  • Frugalwoods enjoys hosting others for the holidays.
  • Shannon says she is not caught up in the Black Friday deals and the ladies agree; they definitely will not be shopping on Black Friday!
  • The ladies discuss who they traditionally shop for during the holidays.
  • Shannon says she is going to be spending the Friday after Thanksgiving watching the new Gilmore Girls episodes on Netflix!
  • The ladies finish the episode by telling what all they are thankful for this year.
  • Enjoy the ones you love when you are together, and if you can’t be with the ones you love, don’t be afraid to discover something new or different with somebody else or by yourself!

Do you have any holiday traditions or lack thereof?