Why High Earners Still Feel Broke - Episode 133
In today's episode, I talk with Germaine Foley, a money coach who helps high-earning women build wealth without giving up the things they love. We both know what it’s like to make good money but still feel stuck and stressed about finances. Germaine shares how she and her husband paid off over $200,000 in debt while still living their lives. We talk about her "Do Both" method, why budgeting doesn’t mean being deprived, and how changing your mindset can change your money story.
About our guest
Germaine Foley is a Certified Life and Money Coach who helps women who earn good money but still feel stuck financially. After paying off over $200K of debt, without giving up travel or the things she loved, she created a practical approach to building wealth without extreme budgeting. Now, she teaches other high-earning women how to grow their net worth and enjoy life at the same time.
Germaine Foley's Website
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TRANSCRIPT:
Naseema: [00:00:00] Jermaine Foley is a certified life and money coach who helps women who earned good money, but still feel stuck financially. After paying off over $200,000 in debt without giving up travel and the things she loved, she created a practical approach to building wealth without extreme budgeting. Now she teaches other high earning women how to grow their net worth and enjoy life at the same time.
What's up? My financially intentional people. I miss you. It's been a minute and I'm back with Jermaine Foley and I think that this conversation is gonna be. So real and so deep. Because I think we have similar audiences, we have similar interests, and I just know, I just know that we can really dive deep into some of the issues that women like us high earners have around building wealth.
[00:01:00] And when I started. This podcast, it was mostly for nurses like me and Nurses in the Bay Area make over $200,000 a year, but have lifestyle inflation like a mug, and I was just trying to show them what financially. What financial independence was and was possible for them because I had to learn it at a, later stage in my life.
And if I could shortcut things for people, that's what I wanted to do. And I know you serve high earning women high earning women professionals, and so there's a lot of crossover. Anyway, Jermaine, welcome to the podcast. How are you?
Germaine Foley: I am amazing. Thank you so much for having me. I'm so excited about the conversation. You're right. It's gonna be juicy.
Naseema: Yes, yes, yes. So how did you get into the money space? What is your background?
Germaine Foley: Yes. So [00:02:00] listen, my money used to be a hot mess, even though I made a lot of it. And so my story is my husband and I, we both grew up in blue collar households that where our parents, didn't have a lot of money, but we knew that we wanted to. Have more. So we went to college, got the job, built the career, and was making the money and we were also spending the money.
And so we found ourselves in over $200,000 worth of debt, including student loans and all the other. And it started to get really, really stressful when I had my second son because my daycare bill and my mortgage were the exact same amount of money.
Naseema: Yeah.
Germaine Foley: And I was just like, okay, we need to figure something out.
And so I, went to Google and everything that came up was, stop buying your lattes, stop going on vacations. And it made my skin crawl. 'cause I'm like, I work too hard not to be able to buy a latte. Come on. And so I [00:03:00] ignored all that advice and I went down.
A very unconventional road. The story, like I said, my money was a hot mess. We ended up filing for chapter 13 bankruptcy 'cause we felt like, quick fix, although that's for high earners, right? So you still have to pay the money back, but you get to pay it back over five years. And we thought that was gonna change us and it did not.
We were still the same people making the same mistakes. And then that's when I just had to get real. I, took all the advice that, we were given the cutting out everything. And I took the idea to my husband and I said, listen, this is how we have to live for the next, I don't know how long or how many years.
And he just looked at me like, we can't live like that. We can't give up our lives for the next, who knows how long? Like 20 years. He thought, because, 200,000 sounds like a lot. And he said, these were his words. We need to do something. We can't do it like that. And that's when the light bulb moment went off for me.
Like, why do we have to do it this, [00:04:00] strict way where we can't enjoy our lives and build wealth. And so I went on a mission to figure out how to do both, how to build wealth and enjoy my life at the same time. So we didn't give up everything that all the personal finance gurus tell us. We need to give up and to stop doing.
And once I got free from that. Once we paid it all off and really, I knew I had to help other women 'cause I'm like there if I was suffering this bad, I know other women are suffering in silence and it's, there's a lot of shame 'cause everybody thinks you've got it together. Everybody comes to you because they think, you're bawling outta control.
You live the life you, drive the cars, you have the house, you have the career. But on the inside. It's just a mess and you feel ashamed, embarrassed, and so I just knew I had to help other women. And I know that one of the things that keeps so many of us stuck is that feeling that we have to give up our lives in order to build wealth.
And so I just wanted to, let people know that you don't have to do it that way if you don't want to.[00:05:00]
Naseema: And I'm shaking my head and smiling during the whole time that you're talking because all of those things, all of those things I relate to, and the thing about not hearing. The solutions that you felt like fit into your life is real. Also, not having those voices that kind of you feel like understood and could actually speak to you is real, and that guilt and shame around being that person that has made it like , we're typically the ones in the family that.
Have had the degrees and the good jobs and face like Instagram popping, that's what I call it. Like on Instagram, we have everything figured out and with you, you got your husband, your kids, your house, your career, you got everything. The shame of knowing internally that you still feel broken financially is enough to make you shut down and not wanna do anything.
And so many people feel that. Nobody is [00:06:00] talking about that feeling in a way that makes people feel like it's possible for them. So I appreciate that and I resonate with that. And that's exactly where I was at. So I wanna talk about like the system that you actually used to pay off that debt, and how long did it take you and your husband to get out of that $200,000 in debt?
Germaine Foley: So it took us about eight years to get out. Our final get out of that moment was in 2015 when back then it was Navi that was the
student Person. And I have the screenshot where that was like zero. So that was like, so it took us about eight years to do it, so not 20 years like we initially thought.
Naseema: Mm-hmm.
Germaine Foley: And so my method is just okay, I wanna build wealth. And for me, when I think about building wealth, that means getting out of debt. Building a [00:07:00] really nice cushion of cash. Savings and then investing consistently. And in order to do that, you need a nice income and you need to have your spending under control.
But that doesn't mean you need to go on a strict budget. So I call it the do both method is. Just a mindset really to say that you can do both. You can build wealth and enjoy life at the same time. I was a guest on a different podcast about a year ago now, and the host was like I asked my community some questions that they wanted me to ask you.
And they don't believe you. They don't think that they can build wealth and enjoy life. So it's like that's the narrative that you
can't do it. And isn't that crazy? That's what society has taught us and that's why nobody's
doing it. 'cause they think they can't.
Naseema: that's society. Or the only way you can do it is if you win the lotto or you have this crazy windfall and that's the only way, that's your only hope. Or if somebody saves you financially, for women, yeah, it is [00:08:00] that, and it is just it's really not that hard and it's really not that deep.
It's just that. You need to know what's possible, and that's why we're here. And that's why we're talking about it. And my whole thing, my whole tagline is to build wealth without deprivation. And I think that a lot of people think that. Even a budget, like I say budgeting because I think however you wanna phrase it in whatever you're doing and creating a spending plan, whatever, it all comes down to budgeting.
But I really wanna de-stigmatize that word because it doesn't mean that I. You can't spend money. It doesn't mean that you have to live like an impoverished life. I'm not talking about beans and rice, I'm talking about, being intentional, about the things that you spend your money on, and once you shift that relationship, all that other stuff you were spending money on, first of all, you probably don't know what you were spending your money on because we just spend so impulsively now.
Especially if you have kids. [00:09:00] 'cause you, they gonna ask you for 50 million things, you just $5 here, $10 there, and before you know it, you don't have no money.
Germaine Foley: Yes.
Naseema: once you start spending intentionally, you don't miss those things. So it's not about deprivation. That's why my platform is financially intentional because it's about that intentionality.
So
I
Germaine Foley: Absolutely. Yeah. And that's what, that's what the do both method is, is do both build wealth and enjoy life. So the way you do it is you really think about, okay, what are your financial goals Like, you have to have some goals. 'cause if you're. If you don't have goals, you're just gonna continue to live the same life over and over again.
So for us it was initially getting. Because it was sucking up all of our income. Like we were literally working just to pay debt. That was all we were working for.
And the other part of that is to get real on what truly matters to you and start spending on those things and stop spending on all the other stuff.
And then once you, that you free up money to be able to [00:10:00] build wealth with, I mean it like, to your point, it's so simple.
Easy, but it's it's
Naseema: not, It's not, easy. It's not easy. But again, it's a mindset and it's about knowing what's possible.
Germaine Foley: Mm-hmm.
Naseema: yeah, and I, and I love that. I love that term, the do both method.
Germaine Foley: Thank you.
Naseema: I love that. I love that. That's so cool. So after you were able to do this, how did you move into helping other people and other
women do that?
It.
Germaine Foley: Yes. So you know, I was like patting myself on the back like, yeah, you did this, you got it together. And literally I was sitting in my car one day and I'm a Christian
and for those who are not like, bear with me here. I literally heard Gods tell me, not audibly, but like spiritually, that I didn't do this just for you and your family. This was for you to [00:11:00] also help other women that are just like you. The ones who have made it, the ones who have it all together from the outside looking in, but they're still stressed like you were. And so those were my marching orders. I'm like, okay, this wasn't just for me and my family
because
sometimes when you hit a big goal like that, it can be a little anticlimactic.
Okay, now what?
Naseema: And also, not only is it anti-climactic, like you've acclimated yourself to being in that. So it's , like this is what life is right now. People should know you should know this like it's just simple, like how do you do it? You just do it.
Germaine Foley: Yes.
Naseema: So it's just oh, wait. Like I,
Germaine Foley: Yeah, and I started so with that, I was just like, okay, yes, I'm gonna help other people. And I just started okay, this is what you do. You do this or you do this. And people would do it, and then they'd be like, they would fizzle out, right? Because it's not about just the doing, it's [00:12:00] about. Being somebody different.
And so that's when I went back and so the first thing I did was I got a financial education instructor certification. And so I did that. And then when I was helping people and it was just like not really clicking for them, I went and decided that I wanted to be a life coach. So I'm a certified life coach as well.
So I bring the life coaching aspect, that behavior change, that mindset piece to money. And now I have the tools to really dig deep and help my clients create permanent change. Not just temporary change. 'cause anybody can do something for a short period, but how do you make this a lifestyle change? And that's how it helped my clients really using a lot of life coaching tools and financial strategies to help them really make that permanent behavior change.
Naseema: And in doing that, I know the pains of coaching all too well, and like I'm that person that I'm just like, I take things [00:13:00] personally. If I took the time outta my busy day to walk you through something, to explain something to you, and then you don't do it like that is, the bane of my existence. But I know that there's certain people that you find these methods work out for not that you have to be a certain person, but a person has to be in a certain mindset or a certain state to be able to successfully implement these things.
What if you felt like those things were like, where does a person have to kind of like
be.
Germaine Foley: Yes. So first of all, they just need to be ready. And here's the kicker though, I don't think there's any special like trait you need, but you have to be willing to let go of perfection and to keep going no matter what.
Like you have to
be serious. I'm not giving up until I get the result because I promise you, if that's your mindset.
I'm [00:14:00] ready for this, and no matter how many mistakes I make, no matter how many times I fail, no matter how many times I make a budget and don't stick to it, I'm getting back on track. That is the key to success. Being willing to get it wrong and then get back up and try again. For my clients, I work with them long-term because I know how some people might get it right off the bat, but then they'll fizzle out. And you're like, okay, let's get back on track. And then others, they'll stumble for months and then they finally get it, and then they're, they hit their stride. So it's just being willing to keep going no matter what, and to keep trying no matter what, and to never give up.
Naseema: I love that because I think people think that they can do one thing, like that's like the common thing. People tell me, what's one thing I can do to make sure that I I start building wealth. And then you do that thing and you might not see the results, and then you fall back into those habits.
I.
People need to understand that building is not like this linear thing. You put this thing in place [00:15:00] and then all of a sudden it takes off. Like you put these things in place, you build these habits, you do the right thing, something happens. You go a couple of steps back, but now you have the tools that you didn't have before, so you're still further ahead.
It's not just you're just gonna go straight up. It's gonna look like this. And a lot of people just aren't ready to hear that. And it's just like losing weight. Like how do you feel like you're gonna fix all these years of these habits that you've accumulated in one month, and if you don't have it at six pack, by the end of that month, like you giving up
like.
Germaine Foley: Exactly. So good because weight loss and money, I feel like they go hand in hand and it's
such a picture. 'cause when you say that, like you're not gonna have a six pack, if you have 20, 50 or 80 pounds to lose, you're not gonna have a six pack
and in a month you probably won't even have one at six months.
Okay. And but are you willing to keep going [00:16:00] until you get it.
Naseema: Yes, yes, yes. I love that. What do you think is really standing in the way of women, like getting to where they want to be? Like as far as building wealth?
Germaine Foley: You know what? I think it comes down to a lot of what I said earlier, just thinking that. Like they're gonna have to just go on this really strict budget and live this boring, frugal life and give up everything.
It's funny because while before we were at the point where we were just like ready to change, this was when Dave Ramsey was huge he still is huge,
but there was
big billboard. Right off the highway. And I would drive that highway route every day. And his face was there like, listen to the radio show. And I used to literally, like every time I passed it, I would intentionally not look at him like, I'm like, I'm not looking at him because I didn't wanna [00:17:00] do all the things that he was saying.
And listen, I respect Dave Ramsey a hundred percent, but. I think people just don't wanna live like that. They just don't. They don't want the rice and beans. They don't want to give up their vacations. They don't wanna not be able to go to restaurants, not to be able to go on girls trips or vacations. Like no one wants to do that.
And some people do it, but they burn out and they never get the result anyway. So it's just what if you could do it in a more sustainable way if it wasn't this huge rush to get there and you were willing to
just. Build strong habits and then get there sooner than if you didn't do anything. But maybe you're not getting there, like you said, in a month or, or six months, but you're, building a strong foundation that that's gonna last forever.
Naseema: What do your clients say to you that is most surprising to them about the process?
Germaine Foley: I think the one thing that. [00:18:00] Always get a lot of aha moments is the, when they look at, they actually look at their numbers,
where they actually take the time and see where all their money's going. 'cause most of us don't know. We don't know where in the world all our money is going. And when they actually see oh my gosh, I'm spending on this.
And I, I didn't even know I signed up for that. I had a lady who was, who signed up for a, a subscription service. She was paying $95 a month for years. Didn't even know. I'm like, how
Naseema: Oh my God.
Germaine Foley: But she didn't know. And so that, and then when they start seeing the momentum because sometimes, like I said, it can be hard getting it going, but once they start seeing the momentum, even if it's just a little bit of progress, it just fuels them to keep going.
Naseema: Yeah, I just like in the moment it's so hard to see though. And I just remember like thinking that when I started on my journey, like man, this is [00:19:00] gonna take forever. And then through like less than three years I was done paying off my debt and I just like, dang, that was so fast. But you couldn't have told me that in the moment.
Like I was just like, oh,
Germaine Foley: Yeah.
Naseema: I know how long this is gonna last. that's what I find is that once you really like, get intentional and buckle down and do the things that you need to do and just put one foot in front of the other, it does not take long. And the thing is, the time is gonna pass anyway.
And you, and the, thing about. Money is, is that, you wanna be able to capitalize off of like your investments and so you do, you do lose by waiting and delaying that process. And so I just think that so many people think that they need to have it all figured out before they start instead of just starting and learning along [00:20:00] the
way.
Germaine Foley: Absolutely. Absolutely. And it could go, like for us, it took us eight years.
We could have totally done it faster, but we had that mindset of we wanna still be able to live life and so that people can decide which route they wanna go. You can go super fast and really.
Like you said, buckle down or you can take a little longer. Like we did because we still wanted to I needed to make sure that we got to the finish line. 'cause my husband was, we were, he was like, we can't live like that.
Naseema: And
when I did it, it was just me. So I'm assuming that also when you have to deal with somebody else, you have a whole partner, there's some challenges that can come up. Did you experience besides your husband being like, nah, we ain't going, we can do it, but not like that, what were some of the challenges that you guys faced like through those eight
years?
Germaine Foley: Oh yeah. Such a good question. So [00:21:00] we, when we first got married, we subscribed to the. Teaching that everything needs to be in one pot,
and that just, Ooh, that did not work for us. It
Naseema: okay.
Germaine Foley: not. And so what we learned for us was like, we don't have to do it the way everyone tells us. We need to do it like live your life based on what works for you and your family.
And so for years we did the one pot thing, and I felt like I was actually trying to control a whole nother human being. You can't do, you don't have that control, you don't have that power to control someone else. So one of the things we implemented, and I recommend it to anyone who is in a partnership, is the, his, hers and ours account.
Naseema: Mm-hmm.
Germaine Foley: Where, we have a household account that we both contribute to. I have my money, he has his, and you figure out how it works for you. But that's the gist of it that way. You both have freedom because that's one of the things I think that's a [00:22:00] human, it's just a human need is freedom.
And when you feel like you have to go through another human being for everything, and it's just it, for us, it didn't work. So that's one of the things I learned was like, okay, first of all, you can't control another adult,
and secondly, you can do it. Your way, way you can figure out a way that works for you and your family and not subscribe to how, again, society, the gurus, everybody tells you you need to do it.
Naseema: And I know you primarily work with women, but how do you approach that when they have a spouse or a partner that they're sharing finances
with?
Germaine Foley: Yeah, so I work with women who have financial autonomy, so even if they are married, they can pretty much call the shots what they're gonna do with their money. A lot of my clients are the breadwinners. Most of, a lot of them don't, are not married so that they, don't have someone else to account for.
But typically, even if they are, they [00:23:00] have autonomy. They're the ones that handle the finances and their husband is, on board with them doing whatever we're doing. And, And a lot of them have that. He is hers and ours account, so they're really accounting for the household income and also what they're doing with their personal money.
Naseema: And for those people that you coached who are transitioning into relationships, what advice do you have then to take into that transition period?
Germaine Foley: Be very transparent.
This said it. I think that's one of the things that we like to just brush under the rug is, is finance. It's oh, we'll figure it out once we're together or once we're living together, just be very. Transparent about where each of you are, what each of you, require it, how are you handling things, how, just be very open and transparent.
And then if I have a client that's actually have one now who's on the verge of getting probably engaged. And so that's a conversation we'll definitely be navigating together. Okay, it's time to talk about [00:24:00] money. How are we gonna handle that with your new person?
Naseema: what are your views on prenups?
Germaine Foley: Oh, I don't have one, I've been married 22 years now, so that's just not something I even thought about.
Naseema: Right.
Germaine Foley: But I think they're a good thing. I don't
think, I think they're neutral. Like it's, they can be good or they're like money, money is not good or bad. It is
Naseema: that is.
Germaine Foley: What it's, so if you want one. Go for it, but I don't think it's a must. I think,
again,
putting on that life coaching hat like I don't know what's best for my clients. That's something they would have to decide for themselves if that's what they wanna enter into.
Naseema: That's fair. That's fair.
So for people that wanna work with you, how can they work with
you?
Germaine Foley: Yeah, so as I said earlier, I don't do short term. I'm actually in the process of probably coming up with an a two [00:25:00] hour intensive, but I work with my clients for an entire year
because to your
point, you've been handling your money for decades, decades.
And it's not gonna change overnight. And the reason why I like working with them for years, 'cause I think it's the perfect amount of time to completely change your financial life.
So the way we do it, we do four kickoff sessions where we really get deep, set your goals, get your money system all set up, get you going, and then we meet for about 30 minutes every other week to just tweak and check in and coach on any mindset habits or. Overspending, all the things that can just come and derail your progress.
We coach on those things. We celebrate, we tweak, and we, get you going. And by the end of the year, I mean the women, they have a, totally different situation financially.
Naseema: I bet. And do you do it in a group setting or one-on-one.
Germaine Foley: Completely one-on-one.
Completely. 1 0 1, yep. [00:26:00]
Naseema: So what's like the application process to work with you?
Germaine Foley: Yes. So you just fill out a short questionnaire and just book a call. I usually call 'em financial clarity consultation. And the women, we sit, we look at where they are, where they wanna be. We look at the five areas of money. For me, that's income. Most of the women I work with, they already have that under control.
Then we look at your spending, your debt, your savings, and your investing. And then we create a game plan for how you're gonna uplevel all of those things. And then if I think I can, help them and they think that they wanna get started, we can get started right away.
Naseema: So you do have
room
Germaine Foley: I do.
I do. I have some room. I do. Yes.
Yes.
Naseema: Cool, Cool. So I have the link to your program, I think in on your website. I'll share that in the show notes, but what do you really want people to [00:27:00] take away from this conversation?
Germaine Foley: Absolutely. I think what I really want people to know is that wherever they are now, they don't have to stay there. Like your life can literally. I used to think that it was my lot in life to struggle with money. Like it was just what it was like, oh, I watched my family struggle. I was struggling.
I'm like, that's just how it has to be. And it just doesn't have to be that way. And if you're ready and if you're willing to keep going, no matter what, you can change your life
Naseema: what kind of messages are you passing down to your
kids?
Germaine Foley: Mm. Yeah. So it's interesting because I now have a 20-year-old.
Naseema: What girl? You
look so good.
Germaine Foley: Oh, thank you. Thank you, thank you. A 20-year-old and a 17-year-old, and the messages is like I just talked about the five areas of money, like income. I want them to know that literally their income earning potential is unlimited, is only [00:28:00] limited by their mindset.
And then. Helping them understand their spending. So I have one who doesn't like to spend anything, and I have one who will cash out, anytime he can. So helping both of them find that balance where you're, you're not hoarding money, but you're not frivolous either. You are, you find that balance.
So helping them understand how to properly spend on things that actually matter to them.
Naseema: Yep.
Germaine Foley: I had a couple people on my podcast recently. I do have a podcast, by the way. It's, called Becoming the Wealthy You,
but. Clifton, we both know Clifton. That's how we met. He talked about how he helps his kids when they wanna buy something.
He asks them, is this your awesome stuff? How is this the stuff that really matters to you? Kind of like the do both with it, spend on what matters. So helping them to see that. And then I had another lady on, I don't know if Jamie Bossy, you may know her. She was on recently and she says that, and I'm [00:29:00] actually, just stealing all these little nuggets, she says, so she let her kids buy what they wanna buy, and then she makes a little note and a week later she asks them, so are you still happy with that purchase? Yes. And they're like,
she said, sometimes they're like, what? Purchase? What you talking about? And then teach. Yes. It's a teaching moment where they're like. You know what? I forgot all about it next time, and then she tells 'em next time, then you probably don't wanna buy something like that.
And then other times they're just like so happy that they bought it 'cause they're using it. So just little things like that and teaching 'em about saving and investing and debt and all that stuff. So just teaching them the basics.
Naseema: I love that. I'm gonna use those things. I'm stealing that
from you.
Germaine Foley: Mm-hmm. And I stole it from them. Hey, we could just share.
Naseema: We're sharing like selfishly, like that's the reason why I have this podcast is because I learned so much from every one of my guests, and those are the things [00:30:00] that I implement because it's not enough. Like even me, a personal finance expert has to still be surrounded by this stuff to be able to incorporate in my life.
And I always learn new techniques and new things and new ways and look at things differently because I'm constantly. Surrounded myself with this and just like really, really committed to putting those things into place. And I think that like the thing from a common person to understand is that even us, the people that are in this space are still continuously learning and doing and improving and, and and we make mistakes and I think that's what important for people to hear is that.
We are not that far ahead of you. We may know a couple more things and we may have implemented some things, to get where we're at does not take a long time. But it does take some intentionality and it does take that willingness to be able to put in the work. And I, I think people will get that from this and people will [00:31:00] understand you are not like you, like you're deserving.
Germaine Foley: Mm-hmm.
Naseema: You can do it without giving up the things that you love. You can do it in spite of your past money, mistakes, and, if any anybody takes anything away from this podcast, I hope it's that and that, there's no time like now to get it together.
Germaine Foley: No time, like the present moment and and don't tell yourself that it's too late, that you know you're
lost. Don't believe any of those lies. 'cause that's just going to. Keep delaying you from taking action and starting the process to change your life. And it's like you said, if they're willing to just not, be willing to not be perfect at this, if you can get a B minus in money, you're doing really, really good.
Naseema: Really good. Really good.
Germaine Foley: that's hard for us. Perfectionists, high achieving, high earning women, we want the a plus. We don't need to get the A plus in money. B minus is good enough and you'll, be so much further along if you just embrace that mindset.[00:32:00]
Naseema: Yes. I love that. I love that. And Jermaine again, let people know how they can work with you, where they can find you and learn more about you.
Germaine Foley: Yeah, so I created a free training. It's called How to Build Wealth Without Going On a Strict Budget. And I would love for your listeners to grab that training. They can find it@germainefoley.com slash wealth class. That's Germaine with a g foley.com/wealth class. And now also. Give you the link to, if, for anyone who wants to book a Financial Clarity consultation, I'll share that link as well.
That's jermaine foley.com/consult. So
Naseema: Okay. And don't worry about trying to remember those things. They'll be in the show notes. But Jermaine, this has been such a great conversation. I know it'll inspire someone and hopefully inspire them to act. So I appreciate you and looking forward to being on your
Germaine Foley: Yes. Can't wait.
Hey there I’m Naseema
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