
Her Next Chapters
This podcast is for moms with an empty nest on the horizon who are reclaiming & redefining their identity outside of motherhood, which might include a job search. On this show we’ll have raw conversations about our ever-changing roles as moms, hear from women who restarted their careers, and share tactical tips for a successful job search after a career break.
Her Next Chapters
75. Unlock Financial Freedom: Change Your Mindset... with Guest Christiane David
Christiane David, personal finance coach and co-founder of Green Wealth Legacy, shares how changing your money mindset can transform your financial reality and create genuine financial intimacy.
• Financial coaching differs from financial advising by focusing on day-to-day money management and emotional relationships with finances
• The Mindset Money Map offers a seven-day process requiring just seven minutes daily to build financial awareness and intimacy
• Saying "I'm broke" creates negative emotions that drive harmful financial behaviors
• 72% of women don't feel confident managing their finances and often defer financial decisions
• Self-awareness is the first step toward financial transformation
• Budgeting reframed as "money planning" removes feelings of restriction
• Having a "money date" weekly for 10-15 minutes helps maintain financial awareness
• Investing in financial coaching provides accountability, expertise and mindset shifts
• Mental fitness is essential for financial fitness and breaking unhealthy money habits
Here is the link to the mindset money map: https://www.greenwealthlegacy.com/mmm
Here is the link to the money academy membership: https://www.greenwealthlegacy.com/gwlmoneyacademy
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Hi and welcome to Her Next Chapter's podcast. I'm your host, Christina Kohl. I'm a mom of three and soon to be an empty nester. I'm also a certified HR pro who restarted my career after being a stay-at-home mom for over a decade. I created this podcast to connect with moms who have an empty nest on the horizon and are wanting to redefine their identity outside of motherhood, which might include a job search. On this show, we'll have raw conversations about our ever-changing roles as moms. We'll hear from women who restarted their careers and share tips for a job search after a career break. So if that's you, you're in the right place. Friend, let's get started.
Christina Kohl:Hi, everyone, and welcome to this week's episode of Her Next Chapters. I am excited to have a wonderful guest with us today. Christiane David is with us, and Christiane is a personal finance coach and co-founder of Green Wealth Legacy, where she helps high-achieving women take control of their money with confidence and clarity. With a deep understanding that financial wellness is more than just numbers, she empowers her clients to shift their money mindset, build sustainable habits and create financial stability without overwhelm. She is also the creator of the Mindset Money Map, a quick start guide designed for ambitious women who want financial clarity without time consuming overwhelm. Her insights on financial intimacy understanding the rhythm of your money ecosystem have helped countless women stop avoiding their finances and start building a relationship with their money that aligns with their values and goals. Christiane, thank you so much for joining us today. I'm excited for all the things we're going to talk about related to money.
Christiane David:Me too. Thank you so much for having me, Christina.
Christina Kohl:Absolutely Well, can you tell us let's just start off how did your coaching business come into being? You've got kind of an interesting story there.
Christiane David:Yeah. So I started this company with my sisters, there's actually four of us co-owners and I'm the youngest and we got ourselves into a whole lot of mess, obviously with money, because we're actually immigrants here. And then when we came to America, you know, with the idea of the American dream, we really believed we were going to find something like money on the ground or something I don't know. But we discovered that, as much as we didn't have financial education in our native country, there's also no financial education here, which was not helpful because trying to adapt to a new culture and then figuring out, you know, your foundation we got ourselves into a whole lot of mess. And then, a few years later, as time went on, we just realized that we were exhausted of living that way. We were tired of feeling tired of paying high interest debt and just living in a cycle that felt like it was just never ending.
Christiane David:So, because we've always been so close, we kind of at the same time decided we need to do something about our financial situation Because, even though it's normalized to be in debt, it didn't feel right, and that's when the quest for freedom started. We got ourselves out of trouble by educating ourselves, by supporting one another and by taking classes and just kind of digging in our numbers and examining in detail and finding out what was what, and when we realized that the deepest issue we had was our mindset. We always thought we were broke and when you have that mentality it's really hard to get yourself balanced and find prosperity and abundance. And so, because of the tools we created to help ourselves, we realized more women would have these kind of problems and that's what created Green Wealth Legacy.
Christina Kohl:And how long have you guys been doing that together as a group?
Christiane David:A couple of years now. We had another business earlier, but then when we realized that the mindset was really the deepest issue that's when we decided to become financial coaches was really the deepest issue. That's when we decided to become financial coaches, which is interesting, because when we decided to call ourselves financial coaches, we didn't even know it was a profession, so it just kind of happened that way. And then when I was doing more research online, I was like, hey, this is actually a thing.
Christina Kohl:Right, right, and so I love that it came out of your personal experience. I think so many coaches that go into coaching it's because they've gone through something themselves and have learned things along the way and they want to turn around and help others experience that same growth that they've had between a financial coach and an investment advisor, because a lot of times people think, oh, I need to go to someone helping me manage my money, is that?
Christiane David:something that you can clarify the distinction of. Oh, I love that you asked those questions because, you're right, it's still pretty new and so there's still some confusion. A financial advisor will help you manage the big funds that you have if you're trying to prepare for retirement and you're trying to invest into the market and you're trying to allocate your funds so that, when you retire, you're ready to use the money and to grow it. But a personal financial coach will help you manage your day to day money. When you get your income, what do you actually do with it?
Christiane David:A financial advisor wouldn't help you with that because that's like details that they don't cover and that's why those two financial coach and a financial advisor work together to help you. But to get that foundation, to create the balance with your finances and to build the resiliency, the right emotions to manage your money, you'll need a financial coach. That's who will help you really examine how you feel about your money. What is the proper mindset to have so that when you are ready now to say, okay, I want to invest in the market, you can manage the emotions that come with that, because there are a lot of emotions that come with investing and preparing for your future.
Christina Kohl:Right, Risk tolerance and values-based investing all that stuff. So you all are more focused on the mindset piece and the day-to-day relationship that we have with our money. Exactly relationship that we have with our money. Exactly, okay, and so I know that you are the creator of the mindset money map. Can you tell the audience and me a little bit more about what that money map is?
Christiane David:Okay, I, we created this because, exactly, we help women with their emotions when it comes to money. The issue we found out with ourselves was that, like I said, we thought we were broke all the time and then we realized it was really about the way we viewed money, the relationship we'd have with money, which we didn't really have a good relationship. We wouldn't avoid it. I personally did not look at my finances. I would run away if I saw a bill with my name on it. It was really, really bad. So I created the MySendMoneyMap to create that level of intimacy and I call that financial intimacy because with your money.
Christiane David:Money is the most important resource we have in our lives today. It's not necessarily accepted, but it is. We use it for every single thing right. So we have to have a very close, intimate relationship with it so that we can live a life of deep fulfillment. Most of us feel stressed and really annoyed at life because money doesn't always feel right, and so the Mindset Money Map is really created to help you develop that intimacy.
Christiane David:It's a seven-day process because I know that if you can take the time every single day, seven minutes a day, to go through the prompts, it'll ask you like, check your accounts different accounts you have look at your statements. It'll make you do different financial activities to kind of help you generate that intimacy. And if you can go through that seven days in a row, you would want to stick with it because you will realize that at the end you didn't die. You actually got more in touch with how your money moves, the flow of your money, which brings you more peace, because you're not surprised by expenses, by expenses, and you don't have to wonder if you have money in your bank account when you go out to dinner because you checked it that morning. And so I wanted to create that space where, in just seven days, you can already see that building a certain level of intimacy with your finances is actually beneficial. So how much?
Christina Kohl:of this, if any of it is related to budgeting. We always think of money management being you have to have a budget and know what's coming in, know what's going out. Is that a component of this, in addition to the mindset work?
Christiane David:Yes, so budgeting. As a matter of fact, at Green Wealth Legacy we call budgeting money planning.
Christina Kohl:Planning.
Christiane David:Because budgeting has such a bad rap in the world.
Christiane David:Right, when we hear budgeting we hear restriction, and I absolutely don't want that because the words we say are really important to our brain and so when you talk about money planning, it makes more sense because you are planning on how you're going to spend your money.
Christiane David:But the mindset money map it allows you to be in touch with your finances in a way that you know what's going out, what's going in at a higher level. Now, if you wanted to know on a deeper level, like create and align the money plan and actually check on your finances in detail, we call that a money date and we have a guide for that which also has prompts, and you would reserve about 10 to 15 minutes, maybe once a week. I definitely recommend once a week where you're sitting down and you're using that money day journal to go through your accounts and actually check, step by step, what's going on with your finances that week, when is your income coming, what's going out and all that good stuff, and you can schedule things and all that stuff. So there's a little bit of correlation between the mindset money map and the money date guide. But the mindset money map is quick, which in this day and age we're so busy, right? So I wanted to help women realize you can still be in touch with your finances even when you're busy.
Christina Kohl:Right? Well, take seven minutes out of your Facebook scrolling time and put it towards this instead. That seems doable, because we're probably all spending seven minutes scrolling something. So seven minutes a day for seven days, and what types of changes do you see in people that go through this mindset money map.
Christiane David:Yeah, the biggest thing I've seen is a higher level of self-awareness, which is the first thing you want, right? If you want a different result in your life, you first have to realize where you are, and it's impossible to do that when you don't look at your finances. So one thing we get a lot is oh wow, it's really nice to have had the opportunity to check on my finances. And then there's a level of fear that dissipates Because now that you've had the opportunity to look at your money every single day, you're no longer afraid because we're really afraid because of the unknown, we're really afraid because we don't have a plan. But when you have to check on your finances back to back to back, that fear dissipates and by day three you're no longer afraid.
Christiane David:You're like okay, let me look, I have to look, I looked yesterday, I survived. And then there's a little bit of celebration in there, because we definitely believe deeply in celebration. So you're actually looking forward to doing the prompts, the exercising, and then it instills in you the desire to even journal, which is another tool that we use to help our clients develop intimacy with their money. So I would say the biggest thing we hear is that they gain a huge level of awareness and that definitely motivates them to want to do more. And if there were any issues, then they're ready to, okay, tackle it and realize okay, what do I need to do? What's the plan here?
Christina Kohl:Yeah, you had mentioned earlier, Christiane, about this feeling of being, this mindset about being broke or just broke. How do you shift from that to a different relationship with your money, Because you do have money coming in? I mean, I'm assuming in your story and you and your sisters you were earning money during that time but you had this mindset that you were broke. But it was that mindset shift of like, no, we're not broke, but we need to manage our money and I love that you guys probably our money and and I love that you guys probably have better words than that I love the, the reframing that you're offering with the words even it's a money date, like that's something fun to look forward to, I agree totally Using the expression I'm broke.
Christiane David:It's really dangerous for our mind, because I don't know if your audience is familiar with this concept, but a lot of people are. Our thoughts create our feelings, and our feelings is what really drives our actions. And so when you say the sentence I'm broke, you cannot possibly tell me you feel excited when you say that, right. So the sentence I'm broke is is a thought, and the feeling that comes from that is not a positive feeling, and if that's not a positive feeling, you will not have any positive actions that come directly from that thought, right? So what is fascinating is we find ourselves doing things that are detrimental to us and we wonder why. It's because of thoughts such as I am broke. Why is because of thoughts such as I am broke? And so when we realized that we were saying that a lot I am broke, I am broke, okay, now question that for real, like I really like.
Christiane David:Okay, am I actually broke? And that's why you want to look at your finances, because when you're saying you're broke is because you're not in touch with your money, you're not in touch with what's going on in your bank account, right? Okay. So you look at your bank account and you realize okay, I'm not actually broke, but I don't have the money that I really want to have. There's a difference there. Then now, what can I do? You can do something. If you don't feel like you have enough money, you could go get more money. You can create a business, you can get a raise at your job, you can get another job. There's so many ways. But when you say you're broke, it's like okay, so what's the solution?
Christina Kohl:Right, yeah, that's a really good point. And when you're broke it makes you think the bank balance is zero, when in reality there's probably some money there. And to your point, if you have a different outlook of I want more money in my bank account. What are things I can do?
Christiane David:and you just named a bunch of them um, and, and the most fascinating thing is when you say you're broke. The more you say you're broke, the more you overspend okay, that's really interesting.
Christina Kohl:It's like wait a minute because just because you're in denial and you just you don't, maybe because you have the blinders on and you don't want to actually look at the numbers to know what you can and can't afford when you're shopping, or it's it goes back to that same principle I mentioned your thoughts generate feelings, and those feelings are what drives your actions.
Christiane David:So when you have negative thoughts, like I am broke, your reactions will only be negative, which is okay. Maybe overspend or eat more food that you don't want to, or eat junk food or binge on TV. You end up doing things that are detrimental to you because you're thinking negative thoughts.
Christiane David:Now if you reverse that and you say I'm not broke, I am in the process of building my finances or I am in the process of raising my net worth. When you say that, your brain is going to be like oh, so what are we doing to accomplish that? You see what I'm saying. Your brain is going to work and looking for solutions and you're not finding yourself overspending. You're finding yourself looking for a job or getting a raise at work, something to change your situation.
Christina Kohl:Right, right, no, it makes total sense. Your negativity is feeding negativity. And then you're trying to comfort yourself in a way, kind of like eating. But you even mentioned eating. So then you're eating junk food or you're just, you know, not taking care of everything. So it kind of all relates together. It sounds like that mindset of positivity, um, and then that really does action, um, in the in the right direction?
Christina Kohl:Um, so that's all, that's great. So do you mostly work with women that are struggling with debt, like like you and your sisters were, or is it kind of a come, come wherever you are type of thing? Like is it? Is it helping people get out of debt or is it helping people manage the money that they have? I don't know if I'm we do both.
Christiane David:Um, actually half our clients come because of the confidence they want with managing their finances, just feeling confident, because there's actually a very sad statistic that says that 72% of women don't actually feel confident. You said 72? 72% of women that have been polled because statistics are not 100%, but out of everyone that has been polled, because you know statistics are not a hundred percent, but out of everyone that has been asked, 72 percent women don't feel like they are confident in managing their finances so they defer to someone else right and so it's a.
Christiane David:It's a really dangerous place we find ourselves in. And so half our clients are really women that are looking to just build that confidence in making financial decisions. And I call that confidence in making financial decisions because we make decisions all the time but then we have mind drama about them. You have regrets, you walk home, you have the buyer's remorse and you're thinking, oh, I shouldn't have spent that much money. But what I help women with is to help you gain confidence in your choices, in your creative framework, where when you spend your money, you don't go back and think, oh, I shouldn't have done that.
Christiane David:Or you know, we make mistakes Granted, I'm not saying you're never going to make a mistake, but you have a plan. You're not beating yourself up, you're not regretting, you're not thinking, oh, I missed that spot, or any of that sort of thing that keeps you up at night. And then the other half of our clients are ones that come with that to us because they have debt and they're also building their confidence because that is really a result of lack of knowledge, especially when it's high interest debt. It's a lack of knowledge which destroys your self-esteem, which affects the way you manage your money. So it's a vicious cycle that they want to get out of and because I figured it out for ourselves, we figured it out. We're so excited to be able to support them with all the tools that we've created.
Christina Kohl:Yeah, and that's one of my favorite things about you and what your sisters are doing is you've lived it. You're not just like, oh, here's a good plan, everyone should do this. It's like, no, we've made the mistakes, we've lived, we know what that heaviness able to help clear my first year back at work. I was home with my kids for 13 years and I was spending money, and I still have a little bit of that money mindset of scarcity from that time, and I would always spend on my kids, even if it was putting on debt. I would spend on the kids for whatever they needed, but wouldn't necessarily spend on myself. And so that's something I wanted to talk to you about as well the investment in coaching. So it's kind of a paradoxical of someone who's struggling in managing their money but yet wants to invest in a coach to help them. So how do you help people bridge that difference of like I'm trying to manage my money, but why would I spend more money to help somebody manage my money? Is that the right question to be asking?
Christiane David:Yeah, it is, it is. It's actually a really good question. I guess your brain will want the answer. And so, yes, it's weird to say I want to help you, you have money problems and you're going to pay me for that. But here's the thing you have been trying for so long to not feel the way you feel right now. No one enjoys the relationship they have with money when it's filled with drama and fear, avoidance and anxiety, right, and so when you have those feelings when it comes to your money, you're losing more money. You're losing so much more money because you're not in control. You're absolutely out of control, and so it's so important to be able to find the right help, and I feel so passionate about this because we are.
Christiane David:We have some clients that we've worked with. Everyone that we've worked with has been amazingly surprised to realize that is so powerful this couple. They've been married for over 20 years, they have three children and they're very close to each other. They have a really good relationship right as a married couple, but they've never had a really deep money conversation and ever since they've been working with us, they've had their money. Dates. Together has changed their intimacy and their marriage Really fascinating and, more importantly, they came to us with six-figure worth of debt. They made good money, but for the first time. For the first time they're able to go on a family luscious vacation, five-figure vacation, and be able to pay for it out of pocket Wow, no pocket, wow, no credit, wow. So I'd say working with us has actually made them more money.
Christina Kohl:Wouldn't you agree? So I just want to make sure I understood they cleared working with you. They cleared six figures of debt and were able to cash flow a five-figure vacation, family vacation, which is saying a lot.
Christiane David:It's incredible. Yeah, that's a transformation, but let me clarify they came with five-figure worth of debt. We have a plan to pay off the debt while they're saving. While they're saving and paying off the debt, they're also able to afford a five-figure vacation. Do you see what I'm saying here? So they're able to tackle all their money problems all at once.
Christiane David:And still live and enjoy life to the fullest Right, and that's not something they've been able to do ever, because ever have for as long as they remember, they've always used credit to go on vacation, and that's why they most of their credit debt right now is actually because of vacation vacation.
Christina Kohl:You see, it's really interesting yeah, yeah, no, I, I can see that. I I remember having that mentality of like, well, we gotta live, we to live, we got to have fun, and do you know, we need to take a break. But then that adds to the debt and it's just kind of a cycle that doesn't end.
Christiane David:So that's beautiful. They're living. They're living right now. They're having the best time. They'll be sending me pictures. It's amazing.
Christina Kohl:That's awesome. Everything is taken care of. That's awesome. So you mentioned couples. We also talked at the beginning, when I read your bio that you help women, so it sounds like you help whoever needs help. Is it typically the women that reach out first or how does that work in client base?
Christiane David:Yes, and when a woman reaches out, first I always check in with her, especially if she's married. Now, if she's single, of course, but if she's married, I always check in with her if her husband would join her, because finances are best taking care of as a team and for the women that their husband joined in, it's perfect. Everyone is on board. The children are now being taught about money and I mean it's just really builds the relationship like, takes it to the next level.
Christina Kohl:Yeah, that makes a lot of sense to bring both partners in. Is there anything that we haven't touched on yet?
Christiane David:There was one more thing I wanted to say about even talking about investing is that, first of all, because of what I've been through myself financially, I am a big proponent on self-love and self-loyalty, which means if you're going to manage your finances, you're going to love yourself through the whole process. There's no beating yourself up, there's no restriction, there's no scarcity. We're going to create an abundance mindset through the whole process, and that involves gratitude, that involves journaling, that involves physical activity. Okay, so those are the things that I use a lot and they're very useful.
Christiane David:The next thing I want to talk about investing is that whenever we hear invest in yourself, we always think oh, you, just, you know, you think you're asking me to spend money, but the reality is, my first desire for you, when I talk about investing, is for you to take the time for yourself, to spend the energy on yourself, to look inside and see what do I actually like, what do I actually want out of life, what is actually my why? You know what I mean and when you can think about those questions, you can decide am I living my life according to those answers and, if that's not the case, spend more time getting to know yourself and deciding what is it that you want, not what society says we want, we should have, or where we should be at a certain age. Just focus on what you want. All that requires time, and that's really what I'm talking about investing.
Christiane David:Because what happens is, if you really spend the time meditating on all these questions, you realize you're no longer okay with struggling financially because you don't have to, because that doesn't align with your desires, that doesn't align with your values. Struggling financially is not who you are and who you want to be. So then you will have the courage, the determination to do something about it and if financial coaching is what you need, your desire to go and get the help is going to be stronger. You're not going to focus so much on the money because your values, your goals, your vision for the future. You is stronger and you will get so much ROI in return because you're intentional about what you're doing.
Christina Kohl:Does that make sense? Yeah, I mean, from my perspective, it's an energetic exchange, that the money is an energetic exchange. When you invest in something, then you're going to show up like if there's a free event versus an event that you have to pay 20 to go to, and the evening comes around you're like, yeah, I don't really feel like it, I just want to watch that show on netflix versus I already spent money on this, I need to go. So that's kind of I'm trying to draw that analogy. But when you invest in something, you pay for something, you're going to show it more committed to do the work.
Christiane David:Exactly.
Christina Kohl:Right, and that's what we want.
Christiane David:We want women that are ready to do the work, because it's work. It's not going to be a walk in the park, right, but it's definitely doable.
Christina Kohl:Right. So yeah, that that level of investment you're investing in yourself by making that commitment. And I know the more I invest in something if it's concert tickets, a coach, whatever it might be the more likely I am to show up and be there. And if I, especially if I've paid for advice, you bet I'm going to follow it. I mean, that's that's why you know versus like, oh, that's a good idea, but if I've invested and paid for the advice, then I'm going to get my return on my investment. So it's a higher level of commitment when you set aside that investment, the money to invest and to get the results and transformation that you're looking for. You're much more likely to get the results when you invest financially.
Christiane David:And it has been psychologically proven Right.
Christina Kohl:I don't know the facts or the details, but intuitively it makes sense Like the more I put on the line, the more I'm going to want back out of it, so the harder I'm going to work to make it happen. And so, when somebody is ready to make a change, that investment is going to help them External accountability and getting the work, and not only that but the tools to get it done. So and to your point, if, like that couple and I'm sure there's a lot of couples and a lot of women listening that if they've carried debt and maybe it's not just debt but just like not really even knowing what are the finances, can I afford this today? It's probably been a habit, a lifelong habit, a marriage long habit. Um, to where it's, if it's something you've been trying on your own and not making any progress, whether it's career coaching, finance coaching, money coaching, that's when it's that's when the right time is to get some help and when you can expect real change to actually happen. So anyway, that's just kind of my thoughts on investing as well.
Christiane David:Yeah, oh, yeah, I love that and I think that fits perfectly with what you were saying.
Christiane David:So when you're ready to do the work you know, as I mentioned, it's not a simple stroll in the park, it's work, and that's why I love saying that when you, if you want to be financially fit, you need to be mentally fit, because what we're really doing in our program is breaking down the habits that have gotten you where you are right now, and they're not habits that are serving you right now.
Christiane David:Maybe they served you in the past, but they're not supporting the future version that you're trying to create and to break bad habits and to instill new ones. It's mental strength, right, we all know that, and that's why having a coach is so powerful, because there are so many things about yourself that you don't see, but when you have a coach that can spot your blind spots, that's so powerful. That's what you really are looking for. So when you're ready, you want that support, because really successful high achievers they have coaches for pretty much a lot of different aspects of their lives and they find themselves very successful in those aspects, and so, yeah, mental fitness is really important when it comes to your finances.
Christina Kohl:Yeah, that makes a lot of sense. And I mean even professional athletes have coaches, so they're at the top of their profession and they still have coaches, so it makes sense. So if someone is, if their curiosity has been piqued and like, oh, I want to work with Christiane or I want to tiptoe in, I'm not like sure, like if I'm ready for everything, what is the best way for them to get started?
Christiane David:I love that you said that yes, because I know maybe someone hearing me saying be mentally fit, they're going to be like, oh my goodness. There's always a way to get started. So we're opening a membership. It's called money academy uh, what you should learn in school. We're opening that april 1st where we're going to start first by establishing um foundational money skills that you need to have so that you can start building confidence. So that's one way to work with us, and then you can check out more ways on our website at greenwealthlegacycom.
Christina Kohl:Okay, perfect, and we'll have the links to all of that in the show notes. And then also the seven-day mindset money map. That would probably be a good way for people to dip their toes in the water, so to speak, and we'll have that in the show notes as well.
Christiane David:All right.
Christina Kohl:Anything else.
Christiane David:No, I've totally enjoyed this conversation. I love being able to showcase how I supported myself, my sisters, and now we have children that are not going to go through what we went through, and then I'm able now to support other women and it just fills my heart.
Christina Kohl:Yeah, it's amazing. It's great work that you're doing and impacting and changing lives, and I'm so excited to be able to have you on the show to share your message with my audience. So, thank you so much for joining me today. Thank you for having me Absolutely Well everyone that does it for this week's episode. Thanks for listening in and we'll talk to you next time. Thank you so much for listening today. I hope this episode hit home for you and, if you haven't already, be sure to connect with me on LinkedIn and say hello so I can personally thank you for you. And if you haven't already, be sure to connect with me on LinkedIn and say hello so I can personally thank you for listening. Until next time, remember, your story is uniquely your own and your next chapters are ready to begin.