Now, are all the traitors present? Let's get started, shall we? From rags to riches. I'm so sick of this. Working like a dog and being treated worse. Yorkshire to New York. Or climbers, you and me. A life dedicated to revenge. Let's make this an occasion to remember. A Woman of Substance on Channel 4. Stream now. So my dad passed. His goal was to leave a legacy for his children. He left a total of about 600,000. Chrissy and I have kept our finances separate. Not for any reason in particular. It's just how we were both brought up. We don't itemize each individual purchase. Like we're splitting dinner. We've just kind of arranged our life so that I pay the mortgage,

Chrissy buys the groceries, I pay the electric, she pays the gas. That has almost prepared us

for this situation. I want to make sure that we're meeting you guys where you are. We design a

plan that works for the way that you guys operate. But I am seeing in terms of just a plan building

where we're going to have a little bit of friction.

Who are you? How old are you? What do you do you do? Run us through a quick bio.

So I'm 36. I work as a incident management coordinator for the State Department of Transportation.

What's that mean?

So when there's really bad days on the interstate, we have a whole program that goes out and tries to clear it up as quickly as possible. Nice. You all can probably appreciate it because one of the most important parts of that is the economy, you know, getting, you know, any power delay. Yeah, it's like it costs money. Is that a branch of the tree of being an engineer, though? You kind of an engineer background? Yeah. Yeah. Really orderly logistics. Exactly. Returning to normal operation. It feels good.

Awesome. I'm Chrissy. I'm 38 years old and I just recently opened my own travel agency. So I now own the agency, but I've been a travel agent for eight years as an independent contractor for

somebody else. And so I'm now stepping into

agency ownership just this last month. And what do you specialize in? Is that like cruises? Is that like

international travel? Europe. Thank you for asking. Wow. I personally specialize in family and luxury

cruising. However, the agency books everything that that you would like to go will make it a luxurious

experience for you. And one else is stepping out on your own? What was the thought process there?

Having the twins made me realize that I want to be able to leave a legacy that they can step into eventually. And I will never be able to do that working for somebody else. And I've grown in the field kind of to the point that my own personal knowledge is now of a lot of value to anybody new in the industry. and I want to be able to train new agents and give them the expertise

that I wish I had when I was starting out.

So like you will be the one who has like agents underneath you that will do? Yeah, exactly. I have many agents that are joining my team to learn from an expert. And how long ago did this take place? I'll see, it was formed in December. So it's been like, it's like, brand new. Brand new.

Yeah, fresh off the presses. Wow, welcome to entrepreneurship. That's awesome. To Chrissy's horn a little bit that her agency already has over $100,000 in sales. Wow. Or just about. Over. Over now? Yeah. Maybe made some bookings last night, I don't know. When it, like, big life changes, like, you know, going out on your own, starting your own business, having kids, you should get as many of those things crammed into a short of period of time. So that's kind of like, I guess, probably why we're here. I feel like it's three things. It's, you know, starting the messy middle with the twins. We've got the

inheritance, you know, kind of hitting, which has tax implications and then also Chrissy's

business. So we're kind of at the same time. Yeah, all the same year, you know, and I know that

depending on how we do things now could really affect how it plays out later, you know, financially.

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