057: Find Your Freedom With FIRE | Ann Helga

Chrissy
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Chrissy

Okay, we are back. And we’re still talking to Ann about her journey into FIRE. But now I’d like to transition the conversation into some discussion about her living in Nova Scotia. You mentioned to us that there are some challenges and maybe some unique aspects about living in Nova Scotia. And because we are a cross country show, we’d like to highlight anything that’s unique about your area. So tell us a little more about what you meant by that.

Ann
Awesome. Yes, Nova Scotia is an extremely beautiful place. I feel like I’m living in a provincial or federal park all the time. Just moving here. So it’s, yeah, it’s incredible how close you can feel to nature and the power of the ocean. And I mean, you guys know as coastal dwellers. So it was a big shift for me growing up in a valley, you know, although we were surrounded by the Great Lakes, but to come out here has been a beautiful thing. And I’m, I’m really grateful for that. However, I definitely noticed the difference moving from Southern Ontario, to the outskirts of the country. And, you know, Halifax is having an amazing boom right now like it’s the last five years, like the number of condo buildings that are literally being built within a three block radius of me right now is astonishing. But it was traditionally thought of as a have-not province, like very rich in beauty and natural resources, but not a lot of industry and steady work. And one of the endemic problems has been waves of university students coming to Nova Scotia absolutely loving it, but not being able to find work and stay. So I find it quite paradoxical as a province where we know there’s a lot of money here because a lot of people will retire to Nova Scotia. Like it’s just so gorgeous. Like, you know, Cape Breton is like literally God’s country like you can you can’t get more beautiful when you’re looking out on a vista and famous American people have come up and sort of hide out here because everyone’s so like low key. No one’s going to admit that they know who you are in a restaurant. Yeah, like a friend of mine that runs a health food store in Cape Breton, like Philip Glass, the composer just like came in and bought some stuff from her. So Wow. It’s Yeah, it’s a strange mix of there have been, you know, intergenerational poverty. Or there’s the results of intergenerational poverty are real in parts of the province. But then also just like a feeling of support and friendliness, and like a clan, feeling like people really step up for one another. And it’s very small place like everyone knows, I always joke, there’s like a half degree of separation, rather than six degrees. So yeah, it’s it’s tricky here. Another thing is that the cost of living, although as the whole world seems to be discovering, our housing costs are lower, day-to-day life, it can be quite expensive. And what people often notice is the price of food, because so much of it has to get trucked that much further, to get out to us. Of course, that isolation became a benefit in a way during the pandemic era. Because there haven’t been many cases, however, yeah, it’s just, it’s a bit of a paradox out here. Like I’ve always kind of not quite understood how money works and trying to get a job has been really tricky. So I think that the move to distance workers and people having their job online and being able to live wherever they want is going to be really good for Nova Scotia. Because it’s the perfect place for that, like,

Chrissy
Yeah, it sounds like in the Atlantic provinces in general, they’re becoming little tech hubs in each of their major cities. And I guess, because the way work is changing. It’s really benefited areas like yours, where housing is affordable. And now you can actually find jobs there. And they’re actually probably well paying jobs. So it’s, it all adds up to a really good lifestyle, I think.

Ann
Yeah, I mean, rush hour starts at 3pm. Not joking.

Money Mechanic
Same as Victoria.

Chrissy
Yeah, yeah.

Ann
And you know, people can drive and be at the Lawrencetown Beach, surfing within 40 minutes of finishing their desk job or whatever. I’m not personally a surfer, although I do like a little bit of like, with that body board surfing. Yeah. The gentle version.

Chrissy
That’s fun.

Ann
But yeah, I certainly spend a lot of time just like by the ocean and hiking, and you can get there so quickly. You can bike there. If you’re determined.

Chrissy
Yeah, definitely, you found ways to get around the higher costs. And you’ve also taken advantage of what is lower cost in Nova Scotia.

Ann
Well, we all just make it work, like we do potlucks, you know, and like, share food. And it just because like as soon as it’s a team effort, you can get around the challenges in Nova Scotia, but you definitely need to work with others. And just like it’s humbling in a way, because you, when some of the really big weather elements come in, you realize that you are dependent on everyone else, you know, I don’t have a fireplace in my home. But I have a couple friends within a block who do so if the power goes out and you’re cold in the winter. You know who you’re gonna run over and see.

Chrissy
Yeah.

Money Mechanic
Couch surfing time.

Ann
Oh, yeah, like it’s real. It’s real. But one other element from a macro or national economic perspective, is that there was that $24 billion contract that the Irvings want to make to build boats in Halifax. And I’m sure that’s having a positive effect. And that’s why there’s it’s such a bold market on building more accommodations. And but yeah, it’s very tricky. Like the housing they actually just implemented a 2% cap on rental increases for the first time in Halifax because we have a shortage of housing so it was going through the roof on the increases.

Chrissy
Interesting.

Ann
I live in quite a trendy neighborhood. And I’ve seen housing prices go from like they’ll sell for $200,000. Maybe like five years ago, they’ll get some renos and then sell for $600,000. So, its happening.

Money Mechanic
For the rest of your foreseeable path, do you intend to stay a renter?

Ann
Oh, great question. You know, I’ve listened to what’s that fellow Grant Cardone, and he’s you know, mister millionaire billionaire. And he’s like, you gotta rent so that all your money can be in the stock market or doing business plays, but I love the idea of owning my own home outright. Like I’m super into that I actually the current play is I was talking with Eric Chang about this, is probably rural Nova Scotia right now.

Money Mechanic
Yeah.

Ann
And I’m looking at land all the time right now in rural Nova Scotia. Near, what’s that one? Springhill, the town that Anne Murray is from.

Money Mechanic
Okay.

Ann
There’s some lovely properties there. And like that whole Northumberland Strait is some of the warmest swimming like that ocean water that’s protected by Prince Edward Island is just beautiful to swim in. So I’ve been picturing a hybrid lifestyle for myself where I keep my Halifax pied a terre apartment here, and just like, maybe go back to the model of having roommates in this space and then start to build my beautiful passive solar, minimalist home on a south facing slope with a nice view.

Awesome.

Chrissy
Okay, so you are currently a homeowner you own your…

Ann
No, I was when I was married I because my husband already own home. And let me tell you, okay, here’s another little PSA to anyone going through a divorce. It is difficult. And you know, who knows why, but it is difficult as a single woman to get back into the housing market, I find like there’s, you know, it can be a little bit more difficult to get a mortgage, I have a great local branch now that I’m working with, and they get me and have a lot of confidence in me. So I feel like I’m, a new mortgage is in my future in the next three to five years, however, yeah, it was tough at first. And so if I had known, I think I would have been a little more insistent on like, okay, don’t don’t buy me out of the house. But let me keep that house as like my safety and security. So you know, that’s just some real talk about all that stuff. But again, that was like, two years before I discovered all of this wonderfulness. So, yeah, I don’t currently own but I have that owner’s mindset where I treated this space as an asset. And I rented it out to others to help me cover my living costs. So you know, when people are frustrated, like, Oh, I don’t own so I can’t make money from where I live. You can if you, you know, do the rental of rooms model. Yeah.

Chrissy
That flexibility and creativity.

Ann
It gets the job done. Yeah. And so now, luckily, I do have a down payment for whenever I can convince a bank.

Chrissy
Why wouldn’t they want your money? Really?

Ann
Right? No, it’s because I am a bit of an anomaly because I have a ridiculously high credit score. I have a down payment, but I can’t really explain my income. Listen, guys, I do a lot of different things. I help society.

Chrissy
Yeah, banks don’t like that.

Ann
Right?

Money Mechanic
We need mortgage brokers that understand the FIRE community. What do you mean, you need T4 income? We don’t need T4 income, we’ve multiple streams!

Ann
Savings! Let me tell you, you want to see my RRSP?

Money Mechanic
Everything’s on a T5. It’s all passive income.

Chrissy
Funny, they don’t consider that. It doesn’t matter.

Money Mechanic
It is it is crazy. And it’s I think we won’t get into it too much right now. But it is a definite concern for the FIRE crowd that once you quote unquote, are FIRE and you don’t have that strong T4 income anymore. Yeah, you could have a ton of assets, you could have a bunch of passive income. And you technically don’t qualify, which is frustrating.

Chrissy
It’s crazy, because you’re wealthier than most people.

Money Mechanic
Yeah.

Chrissy
Doesn’t count for anything.

Ann
Yeah, yeah, they’d be more likely, you’re right, to give a mortgage to someone who had a bunch of debt, but could show that they’re gonna get their paycheck every two weeks or whatever.

Money Mechanic
Exactly.

Ann
I think there’s a niche there for a new bank.

Money Mechanic
Yeah, right. Well, this is, I mean, we’re getting a little off track here. But this has come up before we’ve talked about it we talked about with Court from Modern FImily. And it’s if you’re going to if you have a mortgage and you’re going to FIRE, you may want to refinance into some form of HELOC or something like that. Because yeah, if you keep, if you keep a traditional mortgage, and then you lose, or you not lose, but you give up your T4 income, you may not like requalify, or you won’t be able to go and ask for more money from the bank, because you won’t be able to prove any income. Right. So it’s definitely a consideration later on in everybody’s FIRE journey. So anyway, that’s, that’s the aside for that. But I love your plan. And you know what I thought of when you were describing your rural place, off-grid, self-sufficient, I love that. We played that clip at the beginning of this show. And the part that I cut off was just after that, you start going into describing your the vision of your house, see the front door, see the kitchen window and the vista beyond it. And you get right into this nice, lovely feeling this visualization where I’m actually picturing my dream house and what it looks like and how it feels. I’m ready to get into this a little bit more. And let’s dig a little bit into this, about this book about this audio book and about why you wrote it and you created it. First of all, let’s talk about the visualizations you put in at the beginning of each chapter. It is a book about FIRE, but it’s not one that anybody that has ever read or listened to before. So it’s awesome.

Chrissy
Yeah.

Ann
I realized that there’s a lot of information about FIRE out in the world, however, that some people feel really blocked on seeing themselves or identifying with it. So that became my solution to put the visualizations in because then it becomes this channel. Where you can let go of any of your conscious blocks to the idea that you could even do FIRE, and just start to get the enjoyment of what it would be like as an emotional experience. And it’s very linked to that, like law of attraction kind of stuff. But I’ve noticed that sometimes the law of attraction stuff is too far over in the feeling world. And then the, like, technical how to do something is over in a more logical space. So I was trying to like, bring the two together in this seamless experience of taking care of all parts of yourself, so that you’re in a great space to do the action steps.

Chrissy
Yeah, I feel like you succeeded at that. Because this book is not just about the soft side, you have a lot of really actionable tips in there very practical advice that’s easy to understand and that anyone could just take and run with. And I was really impressed with how you wove it all together, it’s these two very different aspects. And yet, you put them together beautifully in the book.

Ann
Oh, thank you. That’s so validating, I have to admit when I sent it off to you guys, because I really see you as like, icons of the world. And so I felt so validated that, like, it worked like Oh, okay. Like, it must be accurate enough, because it got passed. It was like, you know, cuz Yeah, I worked hard on those technical aspects. I felt like if anything, I had to be even more on point with that stuff. If I was going to bring in the more woowoo, like, experiential emotional side, like I had to really bring it. So yeah, that’s why I spent so much time on that calculating your specific FI number. And I kept trying to come at it from different directions, so that someone who’s not very mathematically minded would have that aha moment of like, Oh, this is how I calculate it. Okay.

Chrissy
Yeah, I feel like your book is the perfect gift that you could give to someone and say, this is FIRE. This is how you get started. And this is how you get the ball rolling. Get yourself in the right mindset. You don’t have to know anything, you just take this book, and you can learn what you need to know just to get the ball rolling and get it even into some of the more advanced stuff. So I I think it’s great for that purpose. For sure.

Ann
Yay. I’m picturing it in the headphones of so many 1,000s of people. And just like the positive ways that it can improve their life like it feels really good.

Money Mechanic
Yeah, well, I I’ll have to admit that for me, I’m definitely the analog analytical sort where I like my FIRE journey was crunching numbers like getting into I love what you said at the beginning about Mr. Money Mustache, because the DIY that really speaks to me, but when it comes down to it, it’s like, I wanted to look at the numbers, I needed to figure it all that out. And I don’t put much weight into how my emotional well being is about how I’m thinking about that. So I found it interesting. I started off, I said, Send me a copy to read. And I started reading your book, because you don’t want to also learn is I’m a visual learner, I learned more from reading. But as soon as I started reading your book, I’m reading this nice visualization to myself in my head. And I’m just going, I need the audio book. Chrissy, you do so awesome. Because like you listen to audio, like you create blogs into audio, you listen to everything, which blows my mind. So anyway, thanks so much, I got the audio book. And for me, it was the visualizations, which I wouldn’t have put much weight in before because that’s not something I get myself involved in. But by but by listening to it, it did kind of it just opens it felt like it opened up my just, I guess emotionally, it just opened me a little bit to accept the information that was that you were going to give to me. And even though you know, we consume so much content, it’s not that we get a lot of new stuff out of books, but we get new perspectives. And we know they’re going to speak to different people. That’s where the real value is.

Ann
Oh my gosh, yeah. That’s he summed it up so well. But I hadn’t thought about that. Exactly. But it’s true. It’s like you’re preparing your unconscious to be able to take in the wisdom of FIRE.

Money Mechanic
Exactly.

Ann
Because it’s it’s such a profound movement. I mean, I know, I’m speaking to the choir here, but like, we all get it, but it’s like, how can I get people that don’t understand how awesome this is, to come in and feel the gentleness of it all. And then another interesting thing, just to give you some backstory, I had initially written this book thinking, I should just write it for women. I was like, Okay, well, it’s like a woman’s perspective. But of course, the time we live now, like there’s such a big opening up around like gender identity and awareness. And, you know, one of my guy friends expressed a bunch of interest in it, and I was like, Oh, wait a second. So I did. Though rewrite at the end to make it, you know, for everyone and, and I think that we all have like our masculine and feminine energies. And it can be like stronger or less strong. And so I surprisingly do like working with a spreadsheet and like, get really into crunching numbers, but I have friends who aren’t as much into it, but then maybe they can be so strong on just like being in that zone of abundance, that they’ll go on their FIRE journey, you know?

Money Mechanic
Right.

Ann
They’ll, they’ll Intuit their way there. But I think the healthiest is like that hybrid where, yeah, you spend time in both zones, and then they feed into one another.

Chrissy
And I want to discuss one big aspect of your book that I kind of feel like your book is like free therapy. It’s kind of woven in, and could you talk a lot about this. EFT Emotional Freedom Therapy technique, yeah, where you do this tapping. And I’ve heard about this before, and I am a big proponent of therapy and meditation and CBT because I had postpartum depression with both my kids and I do have ongoing anxiety when you know when I get stressed. So it was helpful to learn about this new technique that sounds so easy and so simple. And you actually include some guided EFT sessions that are really helpful. And I was wondering if you could tell us more about that, because I think some people do get really stuck when it comes to money. And this is a technique that it’s free, it’s easy. You don’t need any special training to do it. You could learn it in five minutes. But it can really help you to get unstuck if there’s some part of your journey that you can’t get past. So tell us a little more about EFT and how it could help someone in their journey.

Ann
Okay, so I actually found out about EFT in the early 2000s, when I was still a cool indie rocker. And I ordered it in because I was getting crippling stage fright. Like I was just so nervous when I would go to perform that all the hours of training, you know, it was like, my voice would just go away. And I was like, what’s going on. So I was really, really motivated to figure out a way to reduce anxiety in about specific topics. And I came across Gary Craig and his EFT, Emotional Freedom Technique, tapping, ordered a bunch of DVDs. And you know, it’s this very formal, you know, man and woman sitting in front of a big set of like fake flowers, just like very slowly telling you, okay, you’re going to tap on these parts of your body while you say these things. And you’re going to miraculously feel better.

Chrissy
It does sound crazy.

Ann
Like, I could not believe it. Like I was like, What are you doing? And and then like the band members would walk in and be like, and what are you up to? Whatever, just like. But then I started tapping, like I started doing the tapping. And I would say that even though I have this problem, I deeply love and accept myself, which is a profound statement to even say out loud. And sure enough, my headache would go away. Or my friend who totally didn’t believe in tapping, his headache would go away. We’d both like sit there looking at each other, like what just happened. So you know, cut to 20 years later, there’s a lot of research being done on tapping now. And there’s this wonderful Harvard professor named Dawson Church. And he has proven that you have a about a 30% reduction in your cortisol levels after tapping. I forget how long the tapping session is for that if it’s 10 minutes or an hour, but like as a controlled study. And then there’s also an amazing woman in Australia, Dr. Peta Stapleton, and she’s doing studies where she’ll have someone put a food they’re addicted to in front of them. And then they do a brain scan in one of those machines. And then they’ll tap for an hour and then they do another brain scan. And all the areas of the brain that were lighting up don’t light up anymore. Like there’s been a change in the electromagnetic activity. So now I’m, I feel like I can come out of the closet about my tapping more, you know, and like my friends know me as a topper, and like my family knows that I tap. Like if, if an upsetting story comes on the news, I might start tapping because I’m just like high sensitive and I know it’s gonna go somewhere in my system and like my sister used to look over and be like, what, why are you tapping? What did I do? And I’m like, No, no, don’t worry. Something else something else. But yeah, it happens to apply very well to any blocks around abundance and around the idea of Oh, I can’t budget or Oh, I can’t like any aspect of the FIRE journey that you have an internal block about. You can use EFT tapping to address it. And I just think of it as like the enzyme that helps all the other interactions to take place. So, yeah, that’s why I included it as a bonus, like EFT, tap along scripts at the end. But I tell people in the first chapter, I’m like, if you’re having trouble doing this visualization, just like jump ahead and go do some tapping, you know, release those blocks, and then get back in. So you’re right, there’s a very therapeutic element to this.

Chrissy
Yeah, it’s fascinating. And I did try it. Over the last few days, I’ve been trying, I’ve been watching videos and listening to some of your recordings and some other recordings. And I can’t say I found it life changing yet. But I do find it soothing when I’ve been doing it, I found it to be very soothing. And so I think I just need to spend more time doing it. But I’m fascinated because I’ve read some of the same scientific literature that you’ve mentioned, where I think they tested a bunch of people. And the people who did tapping saw a 40% reduction in their cortisol and the people who had just, I think it was maybe talk therapy, they saw maybe an 18% reduction, but then they had some other people doing nothing. I think they were maybe even looking at social media during the same period of time, then their cortisol went up by 2%. So there is evidence that it works. Yeah, I know. It works. So and like I said, it’s free. It’s quick, it’s easy. So why not give it a try. And it’s nice that you included it in the book, because it’s a good intro, and you really relate it to the FIRE journey which is helpful.

Ann
Yay! Well, since you mentioned social media, my current favorite social media app is Clubhouse. I don’t know if you guys have heard of this. And so I have a club on Clubhouse, which I call Happy Life Depot. And I just go on and offer free tapping sometimes. So if someone wants to come and find me on there, because it’s very good, like done on your own, as you guys can see, like I tap a lot. But when you tap in a group, it’s amazing. Like it really seems to the collective intention seems to do something and, and there’s an art of delivery to tapping. So you can get even better at mining what your own internal thoughts are. And the more specific you are about what you’re tapping about, the more profound your own results will be. Or you can get someone to coach you in it. And then, like I actually, I didn’t want to mention it because there’s just like so many different things I’ve done, but I have been an EFT coach as well. Like I did one on one with people. And it was you know, people who had really profound traumas and we really moved the needle for them. So yeah, it’s exciting. I love applying it to money like it’s, it’s great. Fast tracks your journey.

Chrissy
Yeah, it’s so flexible, you can use it for any really like whether it’s physical ailments emotional or even tear money. It’s It’s crazy how flexible and wide ranging it is.

Ann
Even though I didn’t start the FIRE journey till I was in my 40s I deeply love and accept myself. I tapped on before I launched into all this and like, look at me now, you know, like, I’m, I’m gonna affect others. Like, I really want to help other people by sharing how I got here.

Chrissy
Yeah, I think there could be a lot of shame and embarrassment for people who are late to the journey and it shouldn’t be there, you know, but that could be something that’s really hard for someone to get unstuck and get moving on.

Ann
Interesting that you bring up that with the words shame and guilt because from an artistic community space, sometimes the the guilt is around the idea of even amassing a bunch of money. So that is something I did a bunch of tapping about. And also just like spiritual exploration, and, you know, just really like prayed about it. Like, what is a good way to make money in the world? Is it okay for me to have? You know, what seems like this big sum of money that’s just working for me? Like, you know, I’ve made peace with it, but.

Money Mechanic
Yeah, how to not feel that that’s a selfish endeavor. Right, being okay with it, that you’re not doing it for selfish reasons.

Ann
And I would say where I got to with it, I think partly it’s as you as you mature, you realize, like, we do have to take care of ourselves. Like, as mortal beings, we, we need resources to live. I actually I never finished it. But one time I wrote, I started writing this musical about food. And there was gonna be, as I do, but there was gonna be a character in it, who she felt so bad about resources that she didn’t even want to breathe in air, because she thought Oh, someone else could have that air. And I was trying to speak to, you know, the epidemic of anorexia and things that we saw, like, especially in the 90s, like when I was a teenager, like, you know, it’s a real thing, this idea of like resources, and are you allowed to have them even in our, our very privileged Canadian life. And I think where I started to make Oh, and so back to that musical, there was another character. And he was like, I never met a bit of butter that I didn’t like, like, he would eat anything. So, um, so yeah, I looked at the different extremes, and then started to realize that it is okay for an individual to be self sustaining. And, in fact, it’s even more of an imperative as our overall financial structure moves away from one where one company is going to take care of you for your whole life. And also, we see the rise in automation. So there’s a lot of different jobs that are going to go away. And this kind of creative thinking that we’re incubating in the FIRE movement, of being very self sufficient, and having different modes of generating value, is probably what the whole world is going to turn to over time. And once I am self sufficient, I won’t be a burden to people around me. And in fact, I can give like, and I really, deeply want to do that. And, and I’m not just saying that and like, as you know, like, I literally put eight years of my life into that quite underpaid, but very valiant work of doing social change through a nonprofit. And so I think now that I’m in my FIRE mindset, I just want to get to a place where I know that my own future is assured. But then I’m going to go back to doing all of that wonderful work. So yeah.

Chrissy
Yeah. And I think that’s so important to mention, because a lot of people outside of the FIRE community see us as selfish, maybe and maybe freeloaders, when in fact, it’s the complete opposite. A lot of times they think that we are taking advantage of the system or that, you know, we hold all this wealth, and like you said, it’s just to support ourselves and no one else but in fact, it’s what frees us to give back to the world in meaningful ways and in ways that other people maybe can’t afford to because it’s low paid labor or unpaid labor. But we do it because we care. And we’re passionate, and we have the means to support ourselves. And so it frees us to give back in ways that I think are really meaningful and important.

Ann
So well said, Yeah, I was thinking as you were describing that how, you know, if you are working for someone else, your whole life, you then can argue that that other person is the selfish person, because they’re taking your labor and time. And then we get into the kind of class struggles, where big swathes of people feel that they are being taken advantage of. And rightly so they feel that way, you know, if they haven’t managed to develop their own nest egg that allows them to thrive in our capitalist structure. And I didn’t mean to go this deep, right? I didn’t think about this until you started asking questions in this way. But I’m realizing that in a strange way, there’s, there’s a healthy rebellion to what we’re doing, where we’re saying, Okay, let’s make the capitalist system work for every single individual who is living inside of it in a really like, low key empowering way. And we know when someone’s just in it for a sort of money, endless money amassing, you know, more sort of greed mindset. And that really doesn’t resonate with me at all, like, I’m so looking forward to all the things that I’m going to do once I have my sustaining amount of money. So yeah, if we’re gonna do the PSA for the FIRE movement, I feel like this is what should underlie it.

Chrissy
Absolutely, I agree.

Money Mechanic
Well, I don’t know about you, Chrissy. But I feel this episode has been very interesting in a lot of different ways that we don’t talk about, we didn’t get heavy into numbers, which is kind of nice change. Because that’s not what the FIRE movement is all about. It’s about reclaiming your time. You know, being joyful, living your best life, and not being in a rush. And it’s kind of helped us see a lot of that. And I think that’s one thing that I did like about her. I mean, not the only thing but that I liked about the audio book was just that different perspective. You know, for people that are getting new to the FIRE community, there’s lots of information that’s actionable in there. This also gives you just a bit softer approach to it, rather than just super hard numbers. Super frugal, this is like do it that’s gonna make you feel good to get there. So it was such a pleasure to have you on and we’ve had a lot of fun than I could since chatting in the future because I don’t think we’re done. We kind of explored some topics we could dig into a little further, but you’re our first guest from Nova Scotia. So that’s much appreciated. And your book is please tell everybody more a little bit about the book where they can find it where they can find you apart from Clubhouse. Go for it. advertise yourself, please.

Ann
Thank you so so much. So The book is called Find Your Freedom With FIRE, which of course stands for financial independence, retire early; Save, Invest and Manifest Your Way to Easy Street. And I wrote it and put it up on Audible. So you can hear me narrating it there on Audible on all the different platforms and countries. And then you can check out my website, annhelga.ca. And you’ll see the other sides of my personality too. So the music that I do, but also Yes, I’m on Clubhouse, I have a Happy Life Depot club there. And I just want to help as many people as possible, feel comfortable about the idea of getting into FIRE on their own gentle and intuitive terms. So yeah, I’m just so grateful. It’s been very, very fun talking with you guys.

Chrissy
Well, thank you. And I’m glad you put your book out into the world because as Money Mechanic has said, it’s it’s very unique. It’s a different take on the FIRE journey. And I think it’s important to showcase the softer side of the journey as it will speak to a lot of people in a way that they haven’t heard before.

Ann
Yay. You guys are the best.

Chrissy
Well, thank you so much, Ann, and I’m sure we’ll talk to you again. Until next time, everyone, take care and enjoy your FIRE journey.