Building Wealth and Managing Money: Lessons from Millionaire Coach Kim Graham

Building Wealth and Managing Money: Lessons from The Millionaire Coach

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Are you tired of living paycheck to paycheck and struggling to make ends meet? Do you want to build wealth and achieve financial freedom? If so, you need to listen to millionaire coach Kim Graham's story on the Really Simple Investing podcast.

In this episode of the Really Simple Investing podcast, we talk with Kim Graham, a millionaire coach who helps people manage their money and become millionaires. Kim shares her journey to becoming a millionaire coach, including how she and her husband paid off $76,000 of student loan debt in just 28 months. 

Kim and her husband were both educators and had a significant amount of student loan debt when they got married. However, they were determined to achieve financial freedom and started following the Dave Ramsey program, taking extra jobs, and making sacrifices to pay off their debt in just 28 months.  They then turned to investing, bought a house, and paid it off in only six years.

Kim's success inspired her to teach others how to manage their money and build wealth.

Kim discusses how she got into direct sales and recognized the broken understanding of money management in both personal and business finances. She discovered her superpower in helping people with their money mindset and day-to-day finances, which led her to start her coaching business. Kim markets her business through Instagram and Facebook, and clients come to her to learn how to manage their money, get out of debt, understand investing, and start building wealth.

Kim works with clients one-on-one, tailoring her coaching to their unique learning styles and business needs. She emphasizes the importance of discipline in building wealth and understanding the power of compounding returns through investing.

Kim also partners with Marissa Greco Real, a financial planner, to create a program to help women concerned about getting better at managing money a way to connect and share their experiences. Together, they help clients with both the day-to-day finances and investing. Marissa was also an early guest on the Really Simple Investing podcast. You can find out more about her and her book by listening to that podcast. 

Kim discusses the issue of lifestyle creep, where people start spending more money as they earn more. She emphasizes the importance of analyzing one's lifestyle and prioritizing what is truly important in order to avoid creating a prison of habits. Kim believes that coaching is necessary for accountability and discipline, as simply reading books and knowing what to do is often not enough.

Kim also talks about the importance of having a financial advisor who is willing to educate and teach their clients about managing their money. She explains that many financial advisors simply want to manage their clients' money without providing any education or guidance. However, Kim believes that her clients, especially female entrepreneurs, want to understand where their money is going and how to make the best returns.

Kim's success inspired her to help others manage their money and build wealth. She started her coaching business and works with clients one-on-one to create personalized routines and teach them about investing. She also partners with advisors who have a heart for education and believe in teaching their clients about managing their money.

Kim now teaches others how to manage their money and build wealth through her coaching business.

Learn how to make investing simple for anyone and get on a path toward wealth.

Transcript

Transcript for the Kim Graham Interview
Floyd (00:00:10) - You're listening to the Really Simple Investing podcast. I'm your host, Floyd Saunders. Today our guest is the Millionaire Coach Kim Graham. Kim Graham is in the business of coaching people how to manage their money and help them get on a path to be a millionaire. Kim, I guess you and your husband got married, you discovered all of a sudden combining your finances and that you had a lot of debt and you didn't know what to do and you came up with a game plan, right? 

Kim Graham (00:00:34) – That’s Right. That's pretty much how it started with us. My husband and I are both educators. I think that's really important for people to know. I think people love to think that money, understanding money is only for the elite, and that's quite not, not true at all. It's for everybody. And I love to tell that story. S I'm an educator by trade, and so my husband and I, uh, got married, found out that we had $76,000 of student loan debt. Um, and they were all private loans and they were all in his name, obviously, because that was something that was with his family. And, so we were approached with this and we were like, what do we do now? Like we have, we thought that we were ready to go on to different careers with all of us, but so we figured out that we needed to get on a plan.

Kim Graham (00:01:16) - I know a lot of people go through lots of different programs. We decided to go with Dave Ramsey. It was ready and it was available at the time. And we went to it. And it really changed our perspective. It changed our life with how we communicate around money, but also how we plan our money. And from that point on, we were able to say, okay, well let's go ahead and get a plan to understand our money. Then it turned into an excitement. Um, and 28 months later we were able to pay it off.

Floyd (00:01:41) - Wow. Well, unusual, I guess because you're both school teachers, you're both not making a lot of money and with thousands, tens of thousands of dollars in student loan debt, that had to be a bit of a struggle. So did you find a way for additional income or did you clamp down on your spending? Or how did that work?

Kim Graham (00:01:59) - Both. We did both. and it didn't start off intense. It was just like, let's figure out how to, you know, just understand where the money was going. But then it was, if we do this and if we tweak here, if we tweak there, we can put an additional $50 towards that loan. You know, I would really like to get rid of it. Would you like to get rid of it? It was long. A lot of those types of conversations. And then opportunities for school teachers are endless. Right. I can tutor, I can teach in other different areas. I can do summer school, I can do all these different things. I can get. At the time we were working at private schools and we were making about 60 k between the both of us. 

Floyd (00:02:33) - 60K between the both of you? Yes. And you're living in, you're living in New Jersey?

Kim Graham  (00:02:38) - No, we're in the, we're living in Maryland, which is also super expensive. 

Floyd (00:02:42) - Yeah, I'm, I mean I've lived in New Jersey and Delaware and New York and a bunch of places and yeah, the cost of living's pretty high there

Kim Graham (00:02:50) - It is. We live in Maryland, right smack dab in between, uh, DC and Baltimore. And so, wow. It is ridiculously expensive here. So yeah, like we had to make a lot of different sacrifices, um, to get to where we needed to be. But we did a lot of additional jobs. We worked really hard. Um, and at the time, like my, my parents would literally give us gift cards and say, please spend it on yourself, like, please don't put it towards your debt. But I was like, this is how serious we are. Because once we got rid of that big lump sum payment, we had to pay every single month. The rest of the, our life was before us. And we recognized the legacy building power that we had from making this decision now. And we're literally still reaping the benefits of saying yes to so many things because we said no in those 28 months to some things that, you know, might have been ready, readily available.

Floyd (00:03:39) - And this was shortly after you graduated from college and got your first jobs and got married. You're still like under 30 when you come to this realization that all of this debt is going to be a burden the rest of our lives unless we get rid of it. You hooked up with some of the ideas of Dave Ramsey. What were some of the ideas of Dave Ramsey that that struck your heart and that you put into place?

Kim Graham (00:04:01) - That's a good question. I think it was the investment power. Mm-hmm. . So we started investing shortly after we got out of that debt because we recognized we could invest even more. And it was also the fact that, you know, if we started investing now, we were like 24, 23 at the time. 23, uh, by the time we got out of debt we were like 24. Um, so it was that like, oh my gosh, if we do this now, how much more are we going to be able to have in retirement? But not only that, like, let's just play the game. Like if we had a fully funded emergency fund, where else could that money go? And we were like, wherever we want. So we went on vacations, we bought the fu like we bought cars in cash because we were like, yeah, we can do that. You know? Mm-hmm. , it was so freeing to be able to, like, we bought our first home, which is what I'm in right now, um, as a investment property. And we're about to rent it out right now. We've been in it for six years. It's almost paid off like it is. We have been able to build a legacy for ourselves and I is really a lot of it. I attribute it to, um, that Dave Ramsey program, well,

Floyd (00:05:06) - Wait, let's go back a second, Kim, you're telling me that you and your husband got married, had nearly $80,000 in student loans, managed to pay that off by taking some extra jobs and stuff within just a few years. Invest in a house and pay for it in six years. Mm-hmm. , that's a remarkable achievement.

Kim Graham (00:05:25) - Yeah.  Thank you. . 

Floyd (00:05:29) - So from all of that, you decided, wait a minute, I've got something here that I can teach other people.

Kim Graham (00:05:35) - Yeah. And you know what's really interesting about that too? Because when you say it all on a list like that, I'm like, yeah, that is kind of impressive. Like a lot of people probably can't do that. Um, we, we really were serious about our legacy. We were serious about the life that we wanted, where we could choose. We wanted choice. That's really what we desired. Mm-hmm. . Yeah. Um, and I honestly thought everybody had to go through this when I got into, so again, I'm an educator when I had my first daughter, so we have two kids. I had my first daughter and I was like, you know what, I'd like to be able to stay home. I want to try it for a year, see if I like it. So we put all of our, you know, savings and making sure that we had enough for me to be able to stay home for a year.

Kim Graham (00:06:15) - Mm-hmm. , but I couldn't stay idle. I wanted to have something that was for me. So I went into direct sales, which a lot of women do when they go into this field, right? Mm-hmm. . So, um, I went into direct sales and I thought, oh, they, these all women are talking about how much money they're making every single month, how much their sales are bringing in. Okay, this is great. I know how to manage money. I'll learn how to manage in my business and it'll be a nice little additional side hustle. That's when I recognized how broken the understanding of money management is not just in your personal finances, but in the business finances. Yeah. Um, and I would talk to certain people who were making really high amounts of money, um, sales-wise, and they were like, I just can't figure out how to pay myself. I'm up to my eyeballs in debt. And I was like, wait, every you're in debt, you're in debt, you're in debt. And that's when I recognized I have a superpower . Because it should not be, you should not be making multiple six figures in a business and still be wondering how to pay for groceries. Like that doesn't confuse Exactly. Exactly. And there's so many entrepreneurs to deal with this. So that's when I decided maybe a couple years after I did, uh, direct sales, I quit that and started my coaching business of KG Financial.

Floyd (00:07:26) - And you, uh, market your business through Instagram and Facebook and clients come to you and sign up and say, all right, Kim, help me manage my money. So number one, I can get out of debt. Number two, I can understand it. And number three I can start investing. Is, is that how it

Kim Graham (00:07:43) - Works? Exactly. Exactly. You nailed it right on the head. So that's why I say I'm a millionaire coach because I, I put you on the straight pathway to being a millionaire. It's not as, um, grandiose of a, of a plan as you think it would be. Like many people think you have to like, hit the lottery or like, you know, find a golden egg or something like that. But it's really not hard. It's discipline that's being, that's missed. And when I help you understand the plan, it's so much easier to get there.

Floyd (00:08:12) - It's really understanding the power of compounding your returns by investing in something that will continue to pay you something that you can then turn back money back in and invest more money into it. And essentially with dividends, for example, of stocks is funding itself if you reinvest those dividends on a continuing basis. Exactly.  now you're not a financial planner. You don't have a background in investing. You have a background in teaching and education and you figured out, as you said, your superpower is managing money. But you've got to find a way to help people implement these programs in a way that they can start investing their money in something. So you started working with Marissa Greco Real, who was one of our first guests on our podcast. She is a financial planner. She has a women's financial network and I guess you're part of that. Tell me a little bit more about how you and Marissa work together to help people manage their money and get on the right path to building wealth.

Kim Graham (00:09:14) - Yeah, so we actually found each other through Facebook. I saw her, and in fact, I always tell her it's really funny, whenever people ask how we met, I was intimidated by her because she had that background. And I thought, well, I can't offer anything to her types of clients because she's the whole package. She can help them with retirement investments, life insurances, and I can't do that. I probably could get licensed, but that's not my superpower. I love helping people with their money mindset. I love people helping people with the day-to-day understanding of their finances and getting them to the pathway where they're able to save more. So, I did what one naturally does when they're, you know, intimidated by someone. I went up and talked to her. So, I went and messaged her and said, “Hey, like, I love what you're doing, mad respect for what you do”.

Kim Graham  (00:09:57) - You know, like, and I just kind of opened my eyes, um, you know, opened my way to her that just said, Hey, like let's have a coffee chat. Um, and so she told me she had this idea for this, um, invest like a woman, which is this network of females, um, who want to learn more about their finances. And I was like, love that, right? I work with female entrepreneurs. Um, anyway, long story short, I understood that she works with the aftermath of how to invest that money. And she opened up to me that she doesn't really like helping people with the day-to-day stuff with a, which a lot of financial planners I'm finding that is how they feel, right? That's not their forte. They want to help you take the money and invest it. I love to help with the back part of it. So, we realized we had a really great yin and yang partnership there. So, we actually started creating the She Means wealth gold program where we help a lot of our clients through the day-to-day finances and then starting to invest

Floyd (00:10:48) - It. It seems to me that, you know, I've read statistics that say that some 60% of Americans live paycheck to paycheck. Oh,

Kim Graham (00:10:55) - It's much higher now. ,

Floyd (00:10:58) - Uh, with the way inflation is, I imagine it is. But, it is such a difficult thing for a lot of people to get to that point where they're actually looking at their money as a way of building for the future as opposed to, I got to pay this bill, I got to pay that bill. Oh, the light bill is due. What am I going to be do? You know, all those kinds of problems that people have. And I can understand why Marissa wouldn't want to necessarily deal with that because that's not her focus. Her focus is helping people get, you know, on that path to wealth. Your, your focus seems to be on building up the resources that people need to start getting on that path. Is that, is that exactly accurate? Yeah.

Kim Graham (00:11:37) - Yes, that's quite accurate.

Floyd (00:11:39) - What are some of the things that you do? I mean, you, you start coaching people. Do you have like a series of sessions that you work with them? Is it one-on-one? Is it groups? What happens?

Kim Graham (00:11:49) - So I've decided to do one-on-one because everybody is very unique. A lot of my entrepreneurs that I work with, their businesses are at, at very unique spaces. So I try to treat them as mu as much like care. I, I, again, like again, I have an education background, so I put a lot of those things of, of teaching different learners in this mm-hmm.  capacity. So I'm able to meet with the client, understand what their learning style is, because not everyone needs a cash budget. Not everyone likes Dave Ramsey. Not everyone likes Suzi Orman. So I'm not asking you to follow any particular program. I'm asking us to understand what makes sense for you and your plan for how to manage your money. So you stop, stop looking at your money as like something you're afraid of and using it as, oh no, this is a tool and I need to use this tool appropriately.

Floyd (00:12:34) - Do you give them step by step, here's what you need to do once you understand what it is that,  their mindset is around money.

Kim Graham (00:12:42) - Yeah. So, we work with mindset and then yeah, I give them step by step. So, we do start with tracking. Everybody else pretty much starts there because it's really, when you see it all laid out, that's when you can see the habits. That's when you can see the, oh, I had no idea this was coming up. That's when we can start coming up with a, a reasonable understanding of where all the money falls and then we can start to come up with a more condensed routine that makes sense for them that they can continue to use bar after we're done working together. Because once you figure that out, once you get confident in your money management, it goes and goes and goes. Doesn't matter how much you're making, you can always re reuse, you know, reuse the same routine that you were reusing before. It will always work.

Floyd (00:13:20) - A lot of people that start to make money after, you know, going through college, getting their first job, setting up their house, realized that well, hey, I'm making a little bit more money than I shot, thought I would, I have money now to go on that vacation that I really wanted to go to, to, you know, like the care being, they don't never really appreciate that. Most self-made millionaires never go on a vacation that cost them more than, you know, three or $4,000. And so that lifestyle creep kind of gets in there and gets in your way. Even if you're making more and more money, you decide that you need a, a nicer car, you need, uh, and you get them and they begin to realize, do, do you get them to cut back on their lifestyle a little bit? Is that one of the steps?

 Kim Graham (00:14:00) - No, it's not that I want them to cut back on their lifestyle. I want them to analyze their lifestyle. Right? So. I want them to look at the things and prioritize, which is the most important to you? Because I want you to still keep some of the things that are valuable to you. What are the most important things that are going to catapult you to the next step of what you want? And what are the things that you're like, you know what, now that I'm thinking about it, this isn't as important. Um, and that's a self, that's something that's very like personal. So, I let them sit with that for a little bit and eventually, even though if I, I might look at it and go, this is what I would cut if I were you, but it's not my journey, it's theirs. So, a lot of times with those clients, it does take them a little bit longer because they're accustomed to this lifestyle, but they're creating themselves a jail and they don't even recognize it. Like they're creating a prison for themselves with their habits. And once they recognize that, it's much easier for them to say, you know what? I do need to cut back on some of these things, but it's on their terms, not on mine.

 Floyd (00:14:55) - We're going to be take a break at this point, Kim. We're going to be come right back. We're going to be talk a little bit more about what you do to help people. 

 And I want you to think in, in the break and how to answer this question. Why can't I just pick up Dave Ramsey's books or Susie Osmond's books and do this on my own? We'll be right back with more great ideas for investing in building your financial security. 

If you're seriously interested in building your wealth, join us every week on the really Simple Investing podcast and check out our website@reallysimpleinvesting.com. You'll find more great podcasts, our blog on investing and some great books from Floyd Saunders books like Investing for Beginners and Fight Paths to Wealth. Sign up for our newsletter so you don't miss listening to our guests and learn even more about the simple things you can do to become a successful investor. You're listening to the Real Simple Investing podcast and now more investing ideas. As we continue our interview,

Floyd (00:15:59) - You've been listening to the really simple investing podcast today we have our, as our guests, Kim Graham, the Millionaire coach, the person that puts you on a path to may come a millionaire. And she has this particular way of doing this starting with developing a mindset. And my question before the break, Kim, was, gosh, there's plenty of books out there. I mean, I've got my own books that are available for people. Um, Marissa wrote a book, Marissa was one of our first guests, somebody that works with you, an excellent book, I think bottom Up Wealth, why can't I just pick up these books, read them and start implementing the steps that they're talking about in the books? What's holding me back that I need a money coach for?

Kim Graham (00:16:36) - I love that so much. It's such a great question because there are tons and tons and tons of books. In fact, if you go on Amazon, there's, I mean, billions of searches and go on Google, go on YouTube. There's so much out there. In fact, if you wanted to piece it all together, you'd be able to find the exact steps, the myriad of different ways to get from where you are to the millionaire lifestyle that you desire to live. But the reason why, the books are not enough, is because it's giving us head knowledge. It might motivate us, we know what we need to do, but doing it is completely different. The discipline, the accountability is the part that's missing for a lot of people. It's the same thing when you can say with our health, it's the same thing there. We know what we need to do, but doing it is the hard part and that's where the coaching comes in.

 Floyd (00:17:25) - So that, that's an important word that you brought up, Kim. I think it's the accountability piece. I mean essentially isn't that what you're doing as you're getting your coaching sessions going forward with people, is they're asking you to hold them accountable to make those improvements in how they manage their money and that's what you do for them.

 Kim Graham (00:17:46) - Exactly. So a lot of them will say, oh, I've done this before. I've done the, I know where I know where my money is going, but every single time I have a client who says that they might know it. So then I say, okay, so why haven't you done it yet? Mm-hmm. , right? And I just ask them point blank, why haven't you done it yet? Then if you already know how to get there, what's holding you back? And mainly that's what it is. I just don't know how to keep up when life shifts, when life changes, how do I get back on track? And that's really where the coaching is valuable because inevitably in the six months that we're working together, there are several hiccups that happen and I'm able to help them course correct and then teach them the strategies that they can continue to use later as things happen to them so that I can hold them accountable even after we're done working,

 Floyd (00:18:32) - Develop a healthy mindset through some tangible action steps that you give them. And you customize that for each particular client and then you tr then, then you meet with them over a period of time, you're saying six months is what it takes.

 Kim Graham (00:18:45) - Yes.

 Floyd (00:18:45) - And as that six-months progresses, you're helping them move along from not being able to manage their debt, to manage their debt, to do what, what's the next thing after they get their debt under control?

 Kim Graham (00:18:56) - Yeah. Managing their income and and understanding their debt. So, then they can put a little bit extra towards that by the time we're done. There are some of my clients who are able to be debt free within that six-months. It depends on the type of debt they have. Obviously if they're dealing with like $70,000, like I was, that's going to be a little bit longer. But they have the tools to keep going. I do have a quarterly program where they're able to still keep in touch with me and keep that accountability in different ways. So  they can still have that. They also have access to additional sessions if they have an come up that they're like, oh, I don't know what to do here. I need Kim. And it's always nice to have someone that knows your situation that's going to be take it seriously.

 Kim Graham (00:19:33) - Not to, you know, your neighbor down the street that seems to have a good understanding of their finances and that they don't know your whole situation. So, it's really helpful to do that. Um, and then along those lines, if they're ready, what I do is I'll send them over to Marissa or to somebody else, a financial coach who will be able to help them to start investing, even if it's just a $50 amount or a hundred dollars amount. So, then they can start to feel like they're nicheing their way through building that wealth while also managing their income.

 Floyd (00:20:04) - Do you, do you always recommend an investment advisor or financial planner or do, are there clients that want to essentially do it on their own, go with Vanguard or Fidelity or?

 Kim Graham (00:20:13) - Absolutely. I tell them all the time that they can feel empowered if they'd like to. The reason why I like working with Marissa and people like her is because she has a heart of an educator as well. She's willing to teach mm-hmm. , many financial advisors are not like that. They just want to say, Hey, this is how much you're going to be need for your goals, let me manage it for you. And a lot of my clients, especially my female entrepreneurs who is mainly who I work with, they want to understand, they want to learn where their money is going. So giving them to someone to like Marissa is great because she's not just going to be say, I'll manage it for you. She's going to be say, I don't have to. Like, there's lots of other places that you can go, but here's what you're going to be need to look for to make sure you get the best returns. Mm-hmm.  and that's why I love working and partnering with financial advisors like her

 Floyd (00:20:56) - To the six -month time period is up a lot of self-made millionaires for example, have mentors, your mentors essentially. And they have financial advisors and tax attorneys and all this sort of thing. Essentially a set of people that they use to help manage their money. But they also get involved in something called a mastermind group. Right. Which is something that Napoleon Hill talks in his book about, you know, think and Grow Rich, is having a mastermind group network that women's financial network that you and Marissa are participating in. So, do a lot of your clients participate in that network on an ongoing basis?

Kim Graham (00:21:35) - Yeah, so we've done a really, we love to partner and network with so many other, because we mainly work with entrepreneurs, but we also have other people in there too. And so they'll bring their expertise and they'll talk about how they've been able to, you know, reach their, you know, financial milestones. Um, and that brings up a lot of different questions for other people in the group. They'll share their questions and it's really nice to be able to have this like healthy back and forth of different ways that they manage things, that they go after finances from investing, but also down to, Hey guys, there's a sale at Target. You know, so there's a myriad of different ways that we can bring in the financial aspect. And we also talk a lot about mindset. 

 Like, you know, we could talk about like, guys like today rocks me, my business hasn't made as much and it's the, you know, whatever the 11th of the month. And they're like, it's all good. This is a part of the process. Keep going. So, it's really multi-layered how we're able to help the clients that are in there and how they're able to use that mastermind mentality within that group.

 Floyd (00:22:32) - These are some of the things that we've talked about. I think people identify that they're in a financial mess. They find you through, uh, your Facebook group, your website, your Instagram. They join that women's financial network that you and Marisa are participating in. They go through some coaching sessions with you and you help them set their mindset correct so that they're on the right path. And then you turn them over to a financial advisor like Marissa who can help them invest their money. And that essentially puts them on a path. Have any of your clients actually moved to that status of where they actually have a net worth of a million dollars or more in the period of time that you've helped them?

 Kim Graham (00:23:11) - Oh my gosh, yes. We actually had one client, um, that I actually started working with her and then I, I was like, Marissa, you have to meet with this client. She paid off a hundred thousand dollars on her own before she came to me because, and here's another thing that I think would be really great for your listeners to recognize, is that she paid off the credit card debt, the hundred K of credit card debt. But then she'd worked so hard to do that. She didn't know how to manage the money now. There was so much coming in. She was like, what do I do with all of this? How do I organize it? What's the routine around this? I'm working so hard, but I don't really know what for, she had no direction going forward. So when I worked with her, that's where we started helping her organize all of the businesses and helping her organize her finances.

 Kim Graham  (00:23:52) - Then I was like, okay, you have a lot of money. During that timeframe, she created emergency fund for herself, which is one of the first things that I like my clients to have. I think that's something everyone should have. And her parents, like one of her parents passed away and she was able to have space to grieve and not worry about money. And that's when I think the light bulbs really came for her. Like, oh, I have space. Understanding my finances allowed me to have space to grieve. Mm-hmm. , that was, was not something I was expecting from this exercise or from this activity. Um, so anyway, so I had Marissa come in. She helped her invest and she got like an inheritance and other stuff and she is a multimillionaire. You know, she is definitely meeting that criteria. And so within like six months of us working together, we were able to take her from confused about her finances, not understanding where it was going to completely debt free, understanding her organization of her finances and on her way to being a multimillionaire.

 Floyd (00:24:50) - That must be very satisfying for yourself as well, right? 

Kim Graham  (00:24:53) – Oh yes. I love those stories when I have them. We have a couple, maybe three of them that I have that I can think off the top of my head and they are like the best stories ever because they're ordinary people doing ordinary things, but they are just not thinking of ordinary anymore. They're like, no, this is possible for me. And it's possible for anyone.

 Floyd (00:25:13) - Yeah. I, I agree with you. I think it's possible for anybody, especially if you start early, you know, you have that advantage of starting early, before you're 30 of investing to become a millionaire within 10 or 20 years, depending upon what they're doing, how they're investing their money, how much money they have available to invest. But almost anybody can certainly retire with a million dollars or more. Oh yeah. If they just, if they just simply do a consistent investment plan over a period of time, you know, it's called the 401K millionaire. You put your money away in a 401k, you get your employer to do an employer match consistency, time compound interest. That'll do it.

Kim Graham (00:25:55) - That'll do it. And being willing, because our society doesn't like to talk about money, I'm so glad that you have this platform that you're able to share this mm-hmm.  because many people don't want to have the conversation in our families and our marriages. And that's really part of the problem too. If we, like, even with my girls, we talk about it already, you know, like if we can have a positive mindset that it's absolutely possible for us to save money, make money, build money, wealth, all that stuff, and we talk about it more often, it doesn't become a pipe dream. It doesn't become something that's only for the elite. It becomes accessible to anybody.

Floyd (00:26:28) - Kim, how do people reach you? What's the best way? Is it your website? I'll put that in the show notes and in the, the descriptions or is it the Facebook group, the Instagram, how do people reach you?

 Kim Graham (00:26:39) - Facebook is probably the best place. That's where I hang out most of the time. So you can find me at Kimberly Graham. Honestly, that's like such just under my name. So Kimberly Graham on Facebook, um, is probably the best place to find me. Um, I'll also put a little bit of a plug here. I do have a podcast, the Affluent Marriage podcast. And my husband and I actually talk about marriage building wealth communication and all of those pillars that are important to have if you're trying to have these conversations with your spouse. So that's also a great place to, to hang out and, and kind of, um, listen to a little bit more about who we are. Right.

Floyd (00:27:10) - Say the name of the podcast again.

 Kim Graham (00:27:12) - Affluent Marriage Podcast.

Floyd (00:27:14) - Affluent Marriage Podcast. Well, that sounds like something to listen to. I bet there's an opportunity to have some live q and a sessions after that podcast. If you, if you thought about that, I bet that's a great opportunity. Yeah. So Kim Graham's a millionaire coach. She can help you get on the path to figuring out your money mindset, transforming your income to the point where you're not paying off, uh, debt because you've got that taken care of. And now you can start investing. Look up Kim Graham, the Millionaire coach, listen to her podcast fo follow her on Facebook. We'll have all that information in the show notes and in the description for YouTube. Kim, thank you so much for joining us today.

Kim Graham (00:27:50) - Absolutely. Thank you so much. Thanks

Floyd (00:27:52) – Thank You for joining us for the really Simple Investing podcast. Every week we bring you fresh ideas for investing and really simple ways to invest and build for your financial security. Be sure and hit the like button, subscribe. Follow us on our social media channels and tell your friends. And if you'd like to be a guest on really simple investing, just go to the contact page and our website and send us an inquiry. Thanks. We appreciate our audience so much.

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