Maddy Roche: Welcome to Childfree Life by Design. Today we’re talking about who you need on your team and what it means for people who are building a Childfree life on their own terms. I’m Maddy Roche, and I am here with a good pal, Bri Conn, and you know her from many episodes of Life By Design. This episode we’re covering how to build your financial and legal team, the importance of estate planning, and why your wellness and advocacy team is necessary as well as you age. If you’ve ever wondered which specific professionals are critical to securing your long-term financial and physical wellbeing as a Childfree individual, this conversation will give you the clarity and the tools to make intentional decisions that support the life that you want.

Speaker: From Childfree Insights, this is Childfree Life By Design, the go-to resource for building the Childfree life you want. Every episode gives you practical guidance, clear direction, and meaningful conversations to help you live intentionally and design a future on your terms. [00:01:00] This podcast is for educational and entertainment purposes only.

Please consult your advisor before implementing any ideas heard on this podcast.

Maddy Roche: Bri, it is so good to be here with you today. We are talking about, I think, probably one of our favorite shared topics, which is who are the professionals and teammates and people that we need around us to make sure that we age the way that we wanna age.

Bri Conn: Absolutely. I think anybody who has not met us before probably doesn’t know, but you and I we love a good professional, whether it be, financial and legal team or whether it be wellness stuff. And we also love our yoga, yoga instructors are professionals that are gonna be mentioned today.

Maddy Roche: They sure are. When I was a coach to financial advisors, I often described it, who’s on your bench? Who are your go-to people that you tap when you need support? And those individuals will vary depending on where you are in your life. But I think Bri and I have a really good perspective [00:02:00] on if you are a Childfree person, you’re building the dream life that you want, there are some crucial people we think you need to engage with now, early and continue to build that relationship because there’s nothing like having an expert in your corner who knows you and your dreams and your goals.

Bri Conn: Absolutely. I’m gonna start off with the first one, one that I felt was so important that I became one, a certified financial planner. Having somebody who can really dive deep and know your finances and say, Hey, these are the things that maybe you don’t know about, but you actually really need to focus on planning for. And if you’ve got somebody who like Childfree wealth, Childfree trust is the estate planning side of it. But any of our Childfree stuff we’ve got going on here, who understands, what that’s like, because I mean, Maddy, you’ve worked with many financial planners and know that background well, but I’m gonna let you actually dive in and say, Hey, what does it mean from your perspective to have a financial planner who is a CFP, but also one who specializes in being [00:03:00] Childfree? What have you seen?

Maddy Roche: Excellent question, Bri. And audience members, I mean, if you are long-term listeners of this podcast, you know what good financial planning sounds and looks like, because Bri and Jay have done it on this podcast, but maybe you’re newer to this realm and you’re looking to understand who can really help you with your financial picture. First, I commend you on even thinking you deserve it, because more people than ever before need help with shifting their mindset around money, changing their behaviors around money, and most importantly, understanding where they are with their financial picture. I think so many of us grind and grind and grind and work super hard and carry so much stress without ever really understanding where we are in terms of being able to achieve some of the goals that we’re looking to achieve. And when you’re Childfree, your financial picture is fundamentally different as Jay and Bri have many times described. So I really encourage audience members that you go out and find a certified financial planner, and that’s actual designation that advisors have. It’s the gold standard in the industry. CFPs are required to be [00:04:00] fiduciaries, which means they have a legal and ethical obligation to act in your best interest. And you can trust that anyone with A CFP designation has gone through an arduous amount of education and training to be able to support every component of your financial plan. I just wanna reiterate that when you look for people to work with you on the finances that you really distinguish between them based on their understanding of how your life will be different if you’re Childfree. I have worked with many financial advisors in an advisory capacity, and I recognize the difference of advice that I’ve received based on my decision not to have children. And when I look for long-term relationships with advisors, I’m looking for advisors who really understand those nuances that Jay and Bri really understand.

Bri Conn: Absolutely. After going through the CFP curriculum, I found the same thing that Dr. Jay did of, there’s not a mention of being Childfree. There are plenty of mentions of what do you do if you have kids or don’t have them yet, but you’re going to or they’ve left the [00:05:00] house, but there’s nothing about being Childfree. And so that’s really a new skill that has to be learned, you’re not gonna find it in the curriculum.

Maddy Roche: And alongside having a good financial planner, I think many of our listeners or maybe small business owners or have some considerations that would warrant a different kind of expert, which is someone that can help in the tax world, a tax professional, not all CFPs are tax professionals, not all organizations that will help you with financial planning will do your taxes. So, Bri, tell us a bit about what the CPA EA enrolled agent designation means as a professional.

Bri Conn: Absolutely. So these are people who can actually go ahead and help you file your taxes. They’re gonna be the ones who fill out all the different forms and make sure things are looking correct. They’re gonna take your W2 at the end of the year, your 10 99, whatever you might receive, get all of that nice put together and then tell you, Hey, do you owe any taxes? Are you gonna get a refund based off all the information that you have? They can be super helpful too when it comes to [00:06:00] doing things, even IRA contributions. We wanna make sure that we’re talking with CPA. I just had some calls this morning and it’s not uncommon for me to have a call with a CPA and say, Hey, based off of the past year, is my client at a point where they can contribute to a Roth IRA or there is their income too high. We wanna make sure we have all of that information and go through it. Yes, you can file your taxes yourself, but having a professional who is inside that realm and does it day in and day out and knows what to look for, knows all the tax nuances, especially the one big beautiful Bill Act, has changed a lot of the tax things. And so there are constantly rules changing, and I look at it as a perspective of, it’s so many changes. You should not feel bad about needing to hire somebody for that, because that’s something that I’ve found with clients. They go, well, I should be able to do it. It’s not that hard. I’ll tell you right now, there have been years where I probably could have filed my own taxes, never once have done it. I’ve always paid a CPA. Because I’m just simply not gonna do that. I wanna pay somebody who [00:07:00] knows what they’re doing and is doing that day in and day out. Where CPAs and CFPs work together on that is as a CFP, I can look at tax planning, what does the tax look like over time with your all your different investments. And then if you’re our client, what I’ll do is I’ll go ahead and have a conversation, where I’m meeting through CPA. We’re figuring these things out together to get you in the best possible position that we can based on the information we have today.

Maddy Roche: Bri, I think you make a really good point that we have a lot of people out there that are like, oh, I should just be able to do this, and they should all over themselves. And then they either postpone or delay or they live with this extra stress of having to handle what quite arguably is a profession amount of work. I mean, these are individuals you, yourself, and other financial planners as well as tax preparers have made a career out of this expertise. And so there’s no shame in the average person not being able to do their complicated taxes on their own. And I would also argue that when you think about building your bench and building your team around you, how [00:08:00] many things can you outsource to other people to save you time to focus on the things that you really care most about, that allow you to live the dream life that you wanna live, at all opportunities I’m looking for how do I get someone else to do some of the stuff around my life so that I can spend more time with my dog, so I can spend more time being with my friends and family. So I really encouraged our listeners to start thinking about what could I outsource in a way that could save me time? And then, pay your respects to the people that are the professionals here. I wouldn’t try to solve a huge, complicated medical issue alone, I would consult with the doctor. Next up, let’s talk about having a lawyer. Now, this is not something everyone needs in their back pocket. I just happen to have a best friend who is a lawyer. And so that is nice for me. But when we think about being Childfree long-term and beginning to put the plans in place that would require us to be able to have decisions made on our behalf, if we can’t. Planning for things like emergencies or potentially having cognitive decline as we age, there [00:09:00] are roles that you may need and should begin to identify to support you. And you’ve heard us talk about this on the podcast before, these roles of medical and financial power of attorney, executor and trustee. These are core positions that you need to be able to identify to complete your estate planning that financial advisors like Bri and Jay will ask you to complete. And so Bri, from your perspective, how do you encourage Childfree people to really identify these people? Because unlike people with children, we without kids don’t always have that next generation to take care of us.

Bri Conn: for years this has been such a hard thing to have a conversation with clients because many of them go, yeah, I’ve got some friends or family, but I just don’t know that I can trust them, or they’re not people that I would want to act in these roles. And for so many years we didn’t have an answer, really. But Childfree trust now is that answer and can provide you a professional fiduciary solution to go ahead and step in and say, Hey, now we’ve got somebody where if you don’t have anybody, you can put [00:10:00] them down. If it’s a couple in particular, oftentimes people will say, I actually want my spouse to be that first person in line, and that’s totally fine. But you don’t just want one person because something can happen to that one person at any point. You wanna have multiple people there, and that’s why Childfree Trust can go ahead and say, Hey, I’m a backup. We’re gonna be around for years to come. And it is something where, It’s gonna outlive, you know, it’s gotta bury us here. So, we are designing it in a point to outlive everybody. Trust companies have to be Maddy, I’ll let you talk a little bit more about Childfree Trust

Maddy Roche: Jay and I talked at length about Childfree trust and why Jay spent the past three years trying to build a solution for Childfree people that help them identify trusted professional fiduciaries to act on their behalf. As we age, we do have to recognize that putting the burden on other people to fill the roles of medical power of attorney, financial power of attorney, executor, and trustee is a big [00:11:00] ask. And many of our listeners maybe are living through it or have experienced being one of these roles for someone in their lives. And you guys understand that it’s not the easiest role and it does take time. You will hear aging experts talk about the need to have representation in these capacities, but it’s been really difficult up until now to identify a professional, trusted fiduciary that can act in all 50 states. What Childfree Trust is able to do is act in all 50 states as any of those four roles. And like Bri said, we don’t have to be a primary choice. If any of you wanna have your niece or your nephew or your partner be those roles, we just need to be your last resort. And I encourage people to really think about this as an opportunity to give a gift of an option to their existing representatives, because they could always turn that power over to Childfree trust if needed. So we’ve partnered with a professional trust company. They’re regulated and audited by the state banking regulators. They have been in the trust business for a long time and really know what it [00:12:00] means to be able to be these roles for people. So we’re really proud to roll that out. When we think about lawyers or attorneys in our space, me and Bri space, we’re talking about, who can step in, in your behalf to act for you in these important estate planning capacities. So, Brie, I think we should talk next about insurance agents and how and when we would engage insurance agents and why they’re important to have on the team. What’s your opinion?

Bri Conn: When you’re Childfree, we’re often not talking about going to an insurance agent, for something like life insurance, particularly if nobody is depending on your income. However, you still have a home, you might still have a vehicle that you need protected, and having somebody that you can call and talk to and get things set up is gonna be really important. When we set all of ours up, I called mine and I said, Hey, I was brand new to the area, wanting to get everything set up. I said, Hey, Bob, I’m a Cfp. I have a good understanding of a lot of this, but there are still some questions that I have about my particular policies. What do those mean for me and how can I better be [00:13:00] protected? One of the things we were going through and figuring out different policies and there were some protections that he didn’t have, but he goes, well, living in this area, you might actually wanna have those protections just because it’s such a common occurrence. And people who know your area can be absolutely vital in helping you. There are other things that we often talk about, disability insurance. Most of the time you can get that through your employer, if you can’t get it through your employer, we’re talking about going to a professional organization. Is there one that you can get it that way? As CFPs here, we have ours through one of the professional organizations for financial planners, we’re able to get disability insurance. Another thing is long-term care insurance. Do you have a good insurance agent that you can talk to about long-term care? ‘ cause that is such a big important need as we talk about aging and aging well and making sure that you’re protected for your later years. Maddy, do you have a conversation or do you have by chance a best friend, insurance agent as well as a best friend lawyer?

Maddy Roche: I do [00:14:00] not. But the next professional that we’re gonna talk about is a real estate agent. And I can tell you that I have a real estate agent friend that I try to have lunch with every quarter or six months with. And again, as I think about who I want around me and who I wanna remain in touch with, it’s people that know more than I do about industries I don’t know anything about. And so I find my lunches with my pal who’s a real estate agent, so helpful because he’s able to really talk about the market in a way in our location where we live in a different perspective, than I would’ve ever been able to create on my own. So I find him to be an invaluable resource. But when we think about why Childfree people might need a good real estate agent and remain in contact with them, is that if they understand being Childfree, they know things like looking for good school districts is not important. They might also understand the rental market in a different way than just the home sales in your local area. Lots of Childfree people like to remain nomadic and rent at different locations. They could help you [00:15:00] identify good options for that, as well as finding different houses and investment properties that could be really valuable to you. So, always having a person in that space, I have found deeply helpful as I’ve navigated the past several years of home ownership. What about you Bri?

Bri Conn: Having somebody that you go to can be really helpful. I personally rent, but even then trying to find an area where you wanna be to rent, sometimes you can go to a real estate agent and they’re able to go ahead and connect you with different rentals available. It doesn’t always have to be selling something. They usually act in more of a broker space of we’re gonna connect you with this property. Some rental properties can be managed by real estate agents as well. And I think, Maddy, you actually might be one of the few team members on our team who own a property. And so it’s not something for everybody, but at least having one, if that is something that’s important to you and owning a property is important to you, is gonna be valuable because I’d rather you have somebody you know and are connected with versus just googling real estate agent in my area [00:16:00] and then picking the first one that pops up. But not really having any sort of a relationship with or knowing how they work or even if they understand what you’re looking for.

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Maddy Roche: I think it’s really important that this next section of professionals and what they helps us with is being able to identify who we need around us to make us full people, because our financial picture is just one part of us. Our insurance coverage is just one part of us. Our real estate relationships and CPAs are just one part of the group of individuals we should really have around ourselves to make sure we’re living and designing that Childfree life that we want. Bri and I are [00:17:00] big advocates of having coaches and therapists and personal trainers on deck to help you when you are in need. And so I think talking about maybe vulnerably about the help a therapist has had in our lives could be really helpful to the audience. Bri, do you have any experience with a therapist.

Bri Conn: I do, I have lots of experience with a therapist. I have had a therapist for at least in the last 10 years. And there have been different points in times where sometimes I see them more frequently, sometimes I see them less frequently, but always having somebody there. And I’ve gotten to the point now too, where I’ll schedule a session and sometimes I don’t always need it, but at least I have it on the calendar. And I know, Hey, I’m ready. I got this thing that I wanna talk about. And other times it’s like, I don’t really need it. So a couple days out I’ll go ahead and cancel it, and that’s fine. I love having a therapist to go through, talk through some of the hard things in life, and sometimes they just can give you advice on things where [00:18:00] you gotta just vent a little bit. Let it out. What about you, Maddy?

Maddy Roche: I can’t recommend having a good therapist enough. Having a unbiased third party be able to mirror back to you, your experience is deeply validating. And I believe that all of life is about healing, generationally and while we are alive. And a therapist can really help with that progress and also make sure that the decisions we’re making in our tangible life around where we’re moving and how we’re investing our time and what work we’re doing, make sure that that’s allowing us to really be in alignment. So, to be able to use a good financial planner and make good financial choices, sometimes you have to have a good therapist behind you to make sure that you’re sorting out some of the complexities of what life has given you over the years. So, having a therapist, having a coach, a coach is different than a therapist. A coach is someone that can help with accountability, they can consult on specific things in your life. Having a coach is a very therapeutic experience, but they’re not the kind of level of professionals that therapists are trained as. My partner is just [00:19:00] about to graduate with her therapy license, and I can tell you that that is also an arduous academic experience to be trained as a therapist. So, mental health is a real thing and I encourage all of us to have support in that regard. Physical health is also really important to both you and me, Bri, tell us a bit about having a personal trainer or a dietician on your team.

Bri Conn: Absolutely. We are both big physical health people. Fun fact about me is I actually started college in the dietetics and kinesiology program.

Maddy Roche: Wow, I didn’t know that.

Bri Conn: I know. Little fact about me that most people don’t know, and I love nutrition, better, understanding nutrition. Also better understanding how can you do programming for fitness in a better way? I personally have not programmed anything for myself in five years. I pay somebody to program all of my lifting and my running, and that has been a choice for me that has made it a lot easier. Had a very frank conversation and I said, okay, you’ve got this [00:20:00] program that I can follow and I know enough now that I could do it myself. Please tell me very bluntly, pros and the cons of taking and going over and doing all of this myself, should I? And we had a good conversation. It happened to be one of my friends, and in the end, the decision I made was, yes, well, I know enough about physical health and all these things where I probably could do this myself. The idea of having to do that on top of also working and trying to just enjoy life didn’t sound fun. So I outsource that and there’s nothing wrong with that. Same with the dietician. There have been times in my life where I’ve worked the dietician, it sucks to talk about, but I am never hid the fact that I struggled the eating disorder for about 10 years before I actually received help. It’s now been about 10 years since I have been working through that, and at the start of it, one of the things the dietician did for me was just tell me that every Monday, Wednesday, and Friday to go get ice cream. That was my assignment. Go get ice cream. Just be able to take and enjoy a treat. [00:21:00] So having that person there, because it was something to the point where I was so deep down in this eating disorder that I would not touch anything. I ate plain spinach and cottage cheese for lunch throughout high school. How awful does that sound? Looking back on it, it’s not fun. But having somebody there who can help you through those moments is so incredibly important to not only go through those things, but for preventative health as well. Maddy, I believe you are trained in yoga instructing. Is that correct?

Maddy Roche: Yes, I’ve done several different yoga teacher trainings throughout my life. Bri, thank you for sharing and being vulnerable about your experience. I commend you for finding the teammates around you to help heal the way that you need to heal. But yes, I am a practicing yogi. I do not teach but I do believe in moving my body. And I think finding people that really understand your body, where you’re at, at the time that you need them is really important. Two years ago I started lifting weights, but I started [00:22:00] lifting weights at a gym that was very female forward. And my CrossFit coach was 72 years old. So there was something about the mix of being female forward and then having this older woman be my coach, that really made it inclusive to me, and I don’t think I would’ve ever stepped into a gym had I not been invited into this particular one. And so being able to work alongside women that understand our bodies and where we are in our cycle and things like that can be really valuable. So, that’s on the physical side, but I think as we start talking about aging, it’s really important that we start thinking about who can help us age the way that we need. And Bri, I know you have some real experience in this as an advisor, helping people identify what we call aging care managers. Can you tell the audience a bit about what that role is and how they help?

Bri Conn: Absolutely. An aging care manager is somebody who is trained and aware of the resources available in your area. They can act as an advocate for you when it comes to things like making sure you have home health needs, if that might be something [00:23:00] you have. If you need to go to physical therapy, but you are home homebound and you can no longer drive because of whatever happened, and you don’t have to be the stereotypical we think, oh, super old. No, you could be in your thirties or forties and there might be a need where something happens. You have surgery and you need somebody to get you to and from your physical therapy appointments, and the aging care manager can step in and help set up that transportation for you as well. They can work on finding long-term care facilities, that might be something available for you, otherwise aging in place. How can you set your home up to go ahead and age in place, and are there things you need to do? I was actually at the dog park recently and talking to somebody about this. Her mother had just had it done and one of the suggestions was, okay, well, she has a railing on one side of her stairs, but let’s put a railing on both sides of her stairs so that way when she’s walking down, she’s got two things to hang onto. That can be something they come in and set those appointments up or [00:24:00] give suggestions as well. There are a lot of different ideas that they can give you, help you with, all of that. Whether it be looking for the facility, doing the budgeting, but it’s something where we want you to look for an agent care manager. And we want you to look for an aging care manager early. We often recommend the Aging Life Care Association. It is a very real possibility that you contact them and the aging Care Manager is full, at that present time. What is has been called the Silver Tsunami, which is the baby boomers who are aging and now needing care. There is a large majority of population who In that generation need help. After you’ve hit 65, there’s about a 70% chance that you’re gonna end up in some long-term care facility. Having an aging care manager there to help you is incredibly important getting on their list. So even if they’re full, go ahead and say, Hey, can I just be put on your list for the next time that you have an opening, that I can go ahead and jump in and be somebody that you work with as well?

Maddy Roche: [00:25:00] You’re such a wealth of knowledge, Bri, because aging care managers actually weren’t on my radar until I started with Childfree Trust and really understanding, what team you need around yourself as you age. And I’m so thankful because this is something that I’ll be working on with my parents as they age and identifying these teammates for them. So yes, as Childfree people, we’ll wanna get ahead of that and hedge it for ourselves. So, we’ll include that link to that website that Bri referenced in our show notes. We talked a bit about physical wellbeing and I don’t think Bri and I could stress enough the importance of having a good primary care doctor on our team. That is something that when you think about health insurance rates, when you think about preventative medicine, you wanna be going and having a relationship with a primary care doctor so that you can keep your risks down and you can stay in touch with someone about how things are evolving for you. These are some of the professionals that can make recommendations about things that you may not even know about and help you understand. And again, this is a profession that we don’t have an expertise in. I don’t know, internal medicine. Nor do I really want to. So, [00:26:00] how do I make sure that I have that relationship with a doctor that has kept tabs on me over the past several years. So, Bri, any other thoughts on identifying a primary care doctor and the importance of having one.

Bri Conn: Try a few different people out and find one that best fits you. One thing that I often see people do is, oh, I love my primary care doctor, but I’m moving and now I can’t keep them. Why not? You absolutely can travel back to them. If it’s something that’s important to you, go ahead and travel back to your primary care doctor. I personally do that. One thing we’ve been seeing a lot about with our clients is concierge medicine. The idea of paying a doctor that can go in and they can do all the testing. Typically, this is not covered by insurance, and it’s usually about $10,000 per year out of pocket, but you can pay them that fee. Sometimes they’ll come into your house or you go to a particular place. It’s a little bit more of a one-on-one experience. Sometimes the doctors are able to take longer than they are at a traditional hospital system for you as well, and allow [00:27:00] you to build a little bit deeper of a connection. And so if that’s something that is within your financial means to do, that can be a great option for you as well. In addition to the typical going to a large hospital system. And usually to find those, they can sometimes be associated with usually, academic facilities. I’ve seen them before, or just searching concierge medicine in your area. That could be an option as well, but just again, it’s not gonna be covered by insurance. Most likely, it is usually cash out of pocket and usually about $10,000 per year for a concierge medicine.

Maddy Roche: I love that idea, Bri. I think, at some point I would adore having someone on retainer to support my health like that. I think that there’s a lot of privilege that goes in with those relationships, but, I think as Childfree people, as we start prioritizing where our money goes, that having that concierge doctor service, physician service would really valuable. The other person on our list, professional or someone on our team that [00:28:00] we should have around us is the community leader, spiritual leader. And I know, Bri, that you’ve got some relationships, so I’d love to hear from you on why that is important to you.

Bri Conn: With a spiritual leader or a community organizer, it doesn’t have to be a specific thing. I’m not saying you have to go to, x, Y, Z church or X, Y, Z community organization. It’s just somebody you can connect with who can help you through different things in life. Usually it’s in a little bit different way. It’s more connecting with yourself, whether you believe in a spiritual being, whatever it may be. It doesn’t have to be a specific religion. It could just be, Hey, how do we be better humans? That’s an option too. Having somebody you can go and talk to and talk through these things of it might be a question of what is the meaning of life? How did we all end up here? All of those things, to go ahead and rely on or talk through. I even like the idea of having something that you read frequently or different passages. They don’t have to be biblical passages. It can just [00:29:00] be poetry. Or old works of art too, that talk to what does it mean to be a human and what does it mean to be kind and caring and really work on making the world a better place, because that’s something that’s really important to me personally.

Maddy Roche: I think that’s a really good point Bri. But it doesn’t always have to be a spiritual leader, but I know so many people have routines or they include certain podcasters in their ears, on their dog walks. There’s certain articles or, editorials that they read regularly. These can be authors, these can be people, it’s not necessarily celebrities, but just thought leaders that you find some inspiration from is always really important to remaining physically and spiritually and emotionally healthy. So, we have gone over a lot of individuals, Bri. Don’t get stressed if you don’t have, or you haven’t identified everyone on your team quite yet. But the purpose of this podcast was really just to get you motivated to understand, that you have our permission from the Childfree team. That you should invest in yourself and get the team around you that [00:30:00] you need. I think a couple of the takeaways I really heard us cover, Bri, is that being intentional about the people around us can really set us up for success long term. I heard you talk a lot about estate planning and how Childfree Trust can really help and step in, as your pseudo next of kin if we’re thinking about who can act on our behalf when maybe we can’t. And Bri, what do you think is our third takeaway from this podcast?

Bri Conn: I would say wellness and just having somebody to advocate for you. Be intentional and help you age well, because part of aging well is having the people around you, having professionals and not only taking care of issues when they arise, but trying to prevent issues as well.

Maddy Roche: Well said. Well, we have reached our final segment of Childfree Life by Design called Deliberate Detail. A segment where we share a small, intentional thing that we’re doing to design an amazing life. We share what it is, why it matters to us, and what it costs, if anything. [00:31:00] Bri, what is your deliberate detail right now?

Bri Conn: I have been very intentional over the past few years of just adding more professionals in my life. Like Maddy said, what can we outsource? Is there an area where I’m probably not the expert in it. Yes, I did start a career in dietetics, but there are things now that I’m working through and wanna take care of where I’m not expert in that. So hiring a dietician who can help me through that, who can hold me accountable as well, and provide me with information that I simply just don’t know anymore has been what I’ve been really focusing on lately and throughout the past year. Thank you, Bri.

Maddy Roche: My deliberate detail is that I’ve been seeing a back specialist for the past several years. I have scoliosis. I used to wear a back brace in high school, because I have two big curves in my back. Through insurance and able to visit a woman regularly who helps me continue to straighten my back and adjust it for any pain that I’ve been having. I find it absolutely priceless to be able to not live in the pain that I’ve lived in [00:32:00] before. And I really encourage our listeners that if we have any sort of physical ailments that you find a specialist to be able to act on your behalf. So, that’s all for this episode of Childfree Life by Design folks. Remember, intentionally choosing to invest in moments of joy is just as I important as investing in your future. Until next time, happy design.