Hey there, welcome to Going Scared. I'm Jessica Hanager, founder of the World Changing

Brand Noonday Collection, and I'm so glad to have you here for today's conversation.

Our Going Scared Community gathers here every week for direct and honest conversations

that help you live a life of courage by leaving comfort and going scared.

So how many of you need courage to talk about finances? I know I sure do, and my husband

has been tapping me on the shoulder for a while, saying, hey babe, it's time for our recap

of last year and a look forward to next year. And I think we're both a little scared,

but Aaron's Sky Kelly gave some brilliant advice today on how to take the tension out

of that conversation, and I can't wait for you to hear about that.

Aaron Sky Kelly is a financial expert and her life's mission is about removing the shame

and frustration of finances and empowering you to make money decisions that you are proud

of. And I love what she talks about is really defining what your personality style is

in relation to finances, and she really admits that it's not one size fits all, which

really ties in with our first episode that kicked off this whole series with Brettchen

Rubin, who said, hey, the way you do habits might be really different than the way someone

else does them. And it is about finding out what works for you, because if you're not

sticking with a habit, then that actually defeats the purpose. So it's important to find

out what helps you stick with habits in the long haul. Financial habits are really important

because that's ultimately what this is about. Financial decisions are about behavior and

behavior is about habits. So much is in today's conversation.

Okay, Aaron, we are, as you know, in the middle of a habit series. And when I was talking

to my team about, okay, what are all the habits we want to cover? My young, new assistant

...