Rachel Cruze

Right.

Your motivation is totally understandable.

Totally understandable.

But you can't let the guilt override really bad financial decisions.

When emotions get caught up, that's what we find when people...

are fearful guilt shame all of it they end up making bad financial decisions so don't let a level of mom guilt of what they've gone through with the divorce continue what you think in the moment is a good decision for them because it makes them happy ends up being a bad decision long term for them and so and for you how far do you drive to work

Yes.

We'd say that in live events.

Well, it is because I think there is a level of wisdom as parents that there are certain things you see that are going to harm your kids.

And when they're 18, their frontal part of their brain isn't even formed of how to make cause and effect decisions.

Right.

And so you have to be able to step in on really big things in your kids lives to be able to speak the truth.

And I think sometimes you draw a line in the sand and it's black and white and it feels harsh at times sometimes.

And what you have to realize is you are loving your kids even when it's a hard decision and even when there's emotion and they may get mad, they may get frustrated.

But what you have to remember is they're 18.

They don't understand that.

They don't understand the life that you have lived.

They don't understand what they're about to do is about to put them financially in a hardship for years and years and years where a lot of people regret it.

So many people that come out with high student loan debt and they're just, you know, got their MBA and they're just...

trying to find a job and they look back and they realize, oh my gosh, I don't even know if the ROI was right on this, right?