In this episode, host Lorie Jones welcomes Jennifer Rayner, founder of Moniwell and a visionary in the financial world. Jennifer shares how she turned an unexpected start in finance into a mission to change how people feel about their money.
Jennifer opens up about overcoming imposter syndrome, betting on bold ideas, and building success on her own terms. Hear her distinctive take on breaking barriers in a field traditionally exclusive to men and redefining what financial empowerment truly means. She discusses the importance of diversity in how we approach and solve problems in finance.
Jennifer’s journey is a refreshing reminder that you can embrace your instincts, challenge industry norms, and create lasting impact. Whether you’re just starting your career or looking for inspiration to take the next leap, tune in for a conversation that will bring those little “brain sparkles” that ignite big ideas.
Show Highlights:
- Have you checked out Lorie’s musings and financial tips yet? [00:34]
- What are trusted, emotionally empathetic money journeys? [06:46]
- Following gut instincts and pursuing big ideas, even at 50. [10:48]
- A personal ethos of empathy vs. the dominant persuasive technique in finance. [16:31]
- How Gen Z is likely to shift wealth management. [21:07]
- Try the “brain sparkles” path to managing fear and anxiety. [28:48]
- Get a layered peek at the challenges of women in finance. [32:08]
- Key advice for young women entering male-dominated fields. [40:35]
- How to nurture children towards authentic career discovery. [42:41]
Connect via email at JDR@Moniwell.com
If you enjoyed this episode, please go to Apple Podcasts and leave a review!
For more information about Lorie Jones, go to https://fearlessfinancialadvisors.com/fearless-females.
00:01.42
Lorie Jones
Good morning, fearless females. I am so excited for you to join us today. we are here with Jennifer Rainer. She is the founder of MoneyWell. And I ran into Jennifer over a year ago, I think maybe over two years ago, and when she was just starting up and starting the company. And I love all that she does. i love who she is.
00:24.04
Lorie Jones
And I’m so excited for you to hear her story. So thank you so much, Jennifer, for joining us today.
00:29.18
Jennifer Rayner
Thanks for having me.
00:31.35
Lorie Jones
So my first question is always my favorite. I’m a reader. I love any and all suggestions. um What’s your favorite book?
00:40.48
Jennifer Rayner
Oh, goodness. um I don’t know that I have a favorite book. I have ADHD, so it’s really hard for me. I was just talking to somebody this morning.
00:50.83
Jennifer Rayner
It’s like, I’m one of those people that’ll pick up a book. And if you can’t get me in the first chapter, moving on, moving on.
00:56.13
Lorie Jones
You’re done.
00:56.52
Jennifer Rayner
I have a ton of those. um So I don’t know that I have a favorite book. I think I just, I pick them up when I can or I have time and I ah tend to listen a lot, but yeah, I don’t even know if I
01:00.65
Lorie Jones
Mm-hmm.
01:08.36
Lorie Jones
audiobooks or podcasts?
01:09.27
Jennifer Rayner
Yeah, audio books. When I’m hiking, I’ll listen. If I can get into a book, I’ll listen. um It’s more like authors that kind of take me off into some other place. So I don’t know that there’s anything that I think to myself, you should read this.
01:22.80
Jennifer Rayner
There’s Netflix shows.
01:23.15
Lorie Jones
Uh-huh.
01:25.54
Jennifer Rayner
yeah
01:25.64
Lorie Jones
Oh, that’s a good one. So what is your favorite Netflix show?
01:26.87
Jennifer Rayner
one yeah One of the most recent ones is Love on the Spectrum.
01:33.23
Lorie Jones
Oh, I’ve heard of that.
01:34.36
Jennifer Rayner
It is an amazing show that just feels uplifting. i laugh, I cry. Somebody told me, gosh, that show, like, I feel like maybe they’re making fun of people on the spectrum.
01:45.15
Jennifer Rayner
I’m like, no, it’s just so raw and real how they experience love and life and
01:48.56
Lorie Jones
the
01:51.35
Jennifer Rayner
Oh my gosh, I love it. So when they come out with a new season, I binge it immediately. i have binge it immediately. I ask for them and they have one in Australia and one in the US.
01:57.09
Lorie Jones
you know like yeah like i was I love that.
02:00.46
Jennifer Rayner
So yes, that is my favorite. That’s my favorite show to binge.
02:05.67
Lorie Jones
yeah It’s almost like you have to clear your calendar for the weekend. You’re like, ah oh, it’s coming out.
02:09.15
Jennifer Rayner
Yeah, yeah, yeah, exactly.
02:09.95
Lorie Jones
I got to clear everything. Yeah. Yeah. So tell me a little bit about yourself. Tell me about your journey, how you got started, where you’re at today, what you do. like Tell me a little bit about you, Jennifer.
02:21.62
Jennifer Rayner
Sure, sure. um So I always like to go, i actually, so I founded MoneyWell in 2020, but that was after a pretty long career in the financial services industry, which I still do have a career in the financial services industry. um I’m a retirement plan advisor.
02:41.08
Jennifer Rayner
um But i um I like to tell the story, but the part where i kind of fell into it. It was a completely accident. I, you know, I started as a journalism major at the University of Texas a long, long, long time ago.
02:54.89
Jennifer Rayner
and um moved out to San Diego on a whim and and needed a job and went to a temp agency. And the next thing you know, I was an executive assistant for a financial advisor.
03:05.63
Jennifer Rayner
And that just sort of spun into 20 plus years of working in this industry. um And in 2020 kind of realized, you know, it’s COVID, I’m a little bored and I should start thinking about what would I do, you know, turning 50 as a sunset career.
03:22.37
Jennifer Rayner
If I could do anything I wanted to do, what would it be? And that’s when I sort of fell into this, what I call a rabbit hole of, I want to help people address the emotional side of money. And how can we do that at scale? How can we bring that to lots of people instead of maybe a one-on-one like you would as a coach?
03:40.95
Jennifer Rayner
And that’s how MoneyWell was born.
03:41.04
Lorie Jones
Mm-hmm.
03:43.22
Jennifer Rayner
So hopefully that gives you a kind of a brief overview of who I am in my journey.
03:47.45
Lorie Jones
Yeah. So and let’s let’s delve into MoneyWell for just a minute because I don’t usually do this, but I love MoneyWell. I love your product. i it it just It speaks to my heart because it’s so um it kind of gets people ready to go on that money journey, gets them in a place where they they don’t feel bad or shame or hard or like ick, and they feel good about taking control of their future, which is like my reason for being is so that you can take control of your financial future.
04:19.41
Jennifer Rayner
Right.
04:21.95
Lorie Jones
So, so tell me, tell our listeners just a little bit about what MoneyWell is and what they, what you do.
04:22.01
Jennifer Rayner
Right.
04:27.74
Jennifer Rayner
So MoneyWell has evolved into a communication platform. So we bring… trusted money journeys via text through their and to through employers to employees.
04:39.68
Jennifer Rayner
um So think in terms of not everybody is ready, right? So we get a really low participation rate in financial wellness products and solutions that have been out there for decades.
04:43.96
Lorie Jones
Mm-hmm.
04:51.48
Jennifer Rayner
I was a financial advisor. I felt like that’s missing. I can bring it, but nobody’s using it. Why would I bring it, right? That was sort of the initial
04:57.74
Lorie Jones
I need
04:59.73
Jennifer Rayner
Maybe we’re thinking about it wrong. How do we get people to use it? So it’s ah it’s texted money journeys. Employers have this ability to text their employees. We just create all the content. and i And I realized in researching this idea that, hey, maybe if we help people feel better about their money, they might actually do better. Turns out there’s science behind that. it was that science that kind of spurred me on that said, oh, there’s science. How could our industry not know that?
05:26.40
Jennifer Rayner
I need to figure out a way to scale that. And this is where we’ve ended up, which is basically we now have AI driven journeys um that are meeting people where they’re at. And by that, we don’t mean, do they have student loan debt?
05:39.22
Jennifer Rayner
Do they have this problem or that problem? And meeting them with that exact solution, but meeting them emotionally, empathetic, just-in-time messaging that really just helps people feel more comfortable with the fact that that’s okay.
05:44.41
Lorie Jones
Yeah.
05:51.69
Jennifer Rayner
Money is emotional. um It shows up in ways in our lives that can be almost traumatic sometimes. And that can be a block. We’re not about being a therapist. We’re not. But it turns out if you just provide empathetic messaging in a non-financial way, people start to engage.
06:09.14
Jennifer Rayner
So that’s what we deliver.
06:09.44
Lorie Jones
yeah I see you. i hear you. I’ve been where you’re at. I understand what you’re going through. you know, here’s some supportive ideas or messages to, to get you to a place where you, you might feel like looking at this money journey and taking control of your future and darling little cute stick figures that.
06:21.80
Jennifer Rayner
Right.
06:26.49
Jennifer Rayner
Right. Right. Not everybody. Huh?
06:32.55
Jennifer Rayner
Oh, we got rid of the stick figures, Lori.
06:33.37
Lorie Jones
and Oh, I love them.
06:36.03
Jennifer Rayner
The latest version has no stick figures, but it does have um gifts and images that are non-financial now.
06:38.83
Lorie Jones
Oh,
06:43.45
Jennifer Rayner
We sort of… there we So just to let everybody know, I started with this, I bought this big library of stick figures because even when we did some of our initial course, like I built a course first that I realized nobody’s nobody wants to learn about money or emotions via modules, right?
07:01.23
Jennifer Rayner
But before I had created all these and our big mantra, myself and this other person in public health that was helping me was um it’s either going to be animals, children, um what was it? Animals, children, or mimes.
07:16.15
Jennifer Rayner
or
07:16.18
Lorie Jones
Uh-huh.
07:16.77
Jennifer Rayner
ah No people, because when you represent ideas with real people, there’s it’s inevitable that you’re going to present somebody that culturally doesn’t represent or um emotionally doesn’t jive with what you’re feeling. And it’s like it turns you off. You may not even know it.
07:35.87
Jennifer Rayner
um And I’m not saying you have to have the whole spectrum or colors or whatever of the rainbow. But what I’m saying is that you can do it in different ways that reflect how people. And so the reason we got rid of the stick figures, even though they were amazing, is that um people digest information on social media via like gifts and fun images. And so we just decided that’s what we would use is things that are that are emotive,
08:00.57
Jennifer Rayner
you know, attaboys, kind of whatever that happens to be an image. It just kind of grabs your attention and makes you want to read the text.
08:07.14
Lorie Jones
I love it. so So um at the end of the episode, I’ll ask for how people can get in touch with you. And I’m sure that you can put your information out there about MoneyWell as well.
08:14.81
Jennifer Rayner
Great. Great.
08:18.46
Lorie Jones
So and Tell me, Jennifer, what is the best investment that you’ve made in yourself? As you look back over your professional journey, is there something you’re like, oh my gosh, if I hadn’t done this, I don’t think I’d be where I’m at today.
08:34.96
Jennifer Rayner
That’s a loaded question. I would, um it’s it’s bringing it back. If you can’t tell, I’m completely immersed in MoneyWell. So some of my my answers are going to stem from this big idea I had where I just said, you know what, I’m doing it and I don’t really care, you know, that I’m i’m going to put myself out there and say, I think I have something really big to bring to the world.
08:51.47
Lorie Jones
Amen.
08:57.78
Jennifer Rayner
So i would say the best investment I made in myself was letting myself go there, right? To say, i had stuck with a career for 20 something years because I had to take care of my family, right?
09:14.61
Jennifer Rayner
But it still didn’t speak to me the way I saw it speaking to other people in the industry. They really felt like yourself. You feel compelled to help people in that way.
09:21.18
Lorie Jones
yeah
09:24.13
Jennifer Rayner
And I respect that. And I, I find that amazing. It just didn’t speak to me, because I didn’t feel like I wanted to speak to that or even felt like I could.
09:35.93
Jennifer Rayner
Because it just wasn’t who I was, right.
09:36.31
Lorie Jones
Mm-hmm.
09:39.45
Jennifer Rayner
So it was this permission that I gave myself at 50, to say, just go with it and see where it goes, right? Just let yourself come up with the first parts of it and decide, i can just do this, right? i can I can do this. I don’t know what it’s gonna look like. I don’t know where it might lead, um but it’s what you’re your instincts.
10:08.26
Jennifer Rayner
So I feel like one of the things that I have just
10:14.87
Jennifer Rayner
Overflowing out of me is really good gut instincts, but I always tamped those down. Right.
10:21.02
Lorie Jones
Mm-hmm. Mm-hmm.
10:21.49
Jennifer Rayner
I always said, my instinct says this, but my reality says that. So just keep doing that.
10:28.58
Lorie Jones
hu
10:28.65
Jennifer Rayner
Right. And never really followed my gut. And ever since I allowed myself to do this, I’ve been following my gut. And sometimes that leads to good places. And sometimes it probably wasn’t the best idea. And looking back on it in hindsight, there’s tons of things I’ve done over the last four to five years that I probably shouldn’t have followed my gut. Maybe big idea, my gut is still right.
10:56.30
Jennifer Rayner
But wow, I’ve sent myself down… a journey that I didn’t, I didn’t know what I was doing. Right.
11:03.76
Lorie Jones
Mm-hmm.
11:03.85
Jennifer Rayner
I did not that I didn’t know what I was doing as in, I didn’t understand how to make this happen.
11:03.90
Lorie Jones
Mm-hmm.
11:08.49
Jennifer Rayner
I didn’t realize what I was going sacrifice. Right. If I had known that to where I’m at now, probably would have kept doing the thing I did before. Don’t listen to your gut, Jennifer, because it’s all, you know, that’s just not what you should be doing. That could be bad.
11:21.86
Jennifer Rayner
Right. So I had always tamped that down. And it was when i allowed myself to say, just go for it. Just stop listening to that and for once in your life, stand up and say, i got this big idea and I can do it.
11:36.50
Jennifer Rayner
yeah
11:37.01
Lorie Jones
um
11:38.25
Jennifer Rayner
it Did I answer your question? I tend to go off the walls.
11:39.66
Lorie Jones
Yeah.
11:41.07
Jennifer Rayner
that
11:41.07
Lorie Jones
Yeah. Do you, do you feel like, um, then do you feel like if you could go back and do it again, like you would still do, you would still do it. You would still listen to that and say, this is a big thing. it’s is probably not going to pay off for four or five years. This is hard to do at age 50, but it’s still my passion. It’s what I’m doing.
12:03.72
Jennifer Rayner
That is an amazing question.
12:05.25
Lorie Jones
Yeah. Yeah.
12:05.69
Jennifer Rayner
I ask me in another three years.
12:10.56
Lorie Jones
Okay, right.
12:11.39
Jennifer Rayner
Cause yet if you ask me right now, I’d be like, I probably have done like things that looking back would probably have impacted my financial life, have impacted, you know, my future, or my kids’ future, my, they think it’s like totally cool.
12:29.57
Lorie Jones
Mm-hmm.
12:35.19
Jennifer Rayner
Like, no, we’re our own people. We can take care of ourselves. Don’t worry about us. My poor husband is like, whatever. It’s probably because he doesn’t know what I’ve done. you know what I mean?
12:47.52
Jennifer Rayner
So There’s parts of it that I may have said, do it differently based on what I know now.
12:53.81
Lorie Jones
hu
12:55.11
Jennifer Rayner
But I think i think everything, I’m one of those people that thinks everything happens for a reason. And it’s probably best I didn’t know.
13:04.44
Lorie Jones
Yeah.
13:04.59
Jennifer Rayner
Because I’m in a position right now that I wouldn’t have been in had I listened to that. If I had, that if you had known, if you knew now what you knew, you know, if you knew then what you know may have prevented me from getting some of the things that I currently have
13:09.17
Lorie Jones
Mm-hmm. Mm-hmm.
13:19.88
Jennifer Rayner
happening. I don’t know if I would have had those had I listened to that. doesn’t mean I’m any better of a situation right now, but I may have rethought it.
13:23.57
Lorie Jones
Mm-hmm.
13:27.39
Jennifer Rayner
It isn’t because I’m 50. It has nothing to do with being 50 or being tired or being whatever.
13:29.33
Lorie Jones
yeah
13:31.80
Jennifer Rayner
I actually think this gives me reason for being. My kids, my mother had passed away at the end of 2019. My kids are now launched, you will, and we’re in the beginnings of those stages.
13:44.62
Jennifer Rayner
They’re two boys, so they really didn’t want to talk to me anyway, I don’t think so. We’re at that age. And so, um, anything to keep me busy and out of their stuff was probably a good thing in their minds.
13:55.24
Jennifer Rayner
Um, but I think it’s, I am very passionate about what I’m doing. So right, wrong, or will it end up being a, Oh, that was probably a really bad idea, but you tried kind of thing.
14:06.56
Jennifer Rayner
I don’t know, but, um, I don’t, I don’t get to know right now, but I think it’s, um,
14:06.96
Lorie Jones
Yeah.
14:13.79
Lorie Jones
Yeah.
14:14.41
Jennifer Rayner
I think I would have i would have done it I’m glad I didn’t know. Let’s just say that.
14:20.10
Lorie Jones
The journey’s worth it, maybe.
14:22.66
Jennifer Rayner
Yeah.
14:23.57
Lorie Jones
Yeah, I like that.
14:25.34
Jennifer Rayner
I think so.
14:26.67
Lorie Jones
What?
14:26.77
Jennifer Rayner
ah I hope so.
14:29.48
Lorie Jones
i I’m crossing my fingers for you and sending all the good karma your way.
14:34.39
Jennifer Rayner
Thank you. yeah
14:36.37
Lorie Jones
um What is the worst advice? Have you ever really gotten any bad advice? And did you take it or did you not take it? What did you learn from it?
14:47.11
Jennifer Rayner
Um, I wouldn’t call it a um, a piece of advice. I would say that I started this industry.
14:59.70
Jennifer Rayner
Gosh, I hope this person doesn’t watch this podcast and sue me for slander or whatever.
15:02.57
Lorie Jones
Mm-hmm.
15:05.22
Jennifer Rayner
I don’t know. Um, It’s not slander if it’s the truth. It’s more how I perceived it, right? So I spent 20 years working for someone who some would say,
15:18.55
Jennifer Rayner
well, he gave you everything. He gave you this career. He brought you in. He had you do these things. um But there was always this sort of smartest guy in the room take on things.
15:32.28
Jennifer Rayner
um There wasn’t an ability for me. it was ah it It was always a, you’re going to need to do it this way or go do something else, right?
15:39.98
Lorie Jones
Mm-hmm.
15:41.08
Jennifer Rayner
Instead of So the advice, it wasn’t really a, yeah, I guess it was advice. Go do it this way. This is how you will be successful. So for 20 years, I thought, well, you can’t talk that way.
15:54.51
Jennifer Rayner
You can’t say those things. You can’t be successful in this industry unless you do X. um And I listened to that and it kept me from maybe even becoming and doing more sooner because I was like, well, he’s right. Everything I read, everything I see, everything I, yeah, he’s right. He knows more than I do. You know, when I was younger, didn’t even start in that until I was like 27. think it was.
16:22.43
Jennifer Rayner
um So I kept on and I kept on. And somebody, ah wise female in my life said, when I told her, I was like, i feel like he kept me down. And she said, Jennifer, you chose to be there.
16:35.54
Jennifer Rayner
You chose to keep doing that. You chose it. And I was like, okay, I’ll own that. I’ll own that for a hot second because you’re right. um But i there’s a part of me that wished i i wish there were I think we’ve had this conversation before. i wish there were more people out there that saw how somebody doesn’t have to fit the mold and can still be successful in the financial industry.
16:59.35
Lorie Jones
Mm-hmm.
16:59.43
Jennifer Rayner
I think there’s more of that going around.
16:59.49
Lorie Jones
Mm-hmm.
17:01.51
Jennifer Rayner
Like, You know, you should be looking at people that think this way. But as I grew up in this industry, and even as recently as a few years back when I brought up the MoneyWell idea, that’s not the case.
17:12.80
Jennifer Rayner
It’s always filled with, this is how you do it. Here’s exactly how you go about it.
17:15.89
Lorie Jones
and him
17:17.25
Jennifer Rayner
You do this, this, this, and this. And if you don’t fit that mold, you’re not going to get hired. You’re not going to get, nobody’s going to buy your practice. Nobody’s, um like I don’t have any aspirations for that. I just, so I feel like I wish there was more room.
17:32.25
Jennifer Rayner
in this industry of being able to take someone like myself, because now, by the way, I’m really good at what I do. It’s just, I do it in a different way, right?
17:40.67
Lorie Jones
Yeah.
17:40.74
Jennifer Rayner
Not even money well, but even in my retirement plan practice. um But nobody said, here’s a way you can do it. Right. And I had to make that way myself.
17:51.38
Jennifer Rayner
I had to say, this fits me. These people like what I do. They’re willing to pay me to do it and being able to stand up and say, oh, well, and course, right when I figured that whole thing out, I was like, I’m going to start this other company.
18:01.69
Lorie Jones
Yeah.
18:02.07
Jennifer Rayner
So who knows if I would have gone out and been highly successful as a retirement plan advisor with a lot of other plans if I had just stuck with that.
18:03.33
Lorie Jones
Once when you finally…
18:10.77
Jennifer Rayner
But I didn’t. So here we are.
18:12.13
Lorie Jones
Yeah. thats That is a really important idea too. And you’re right, especially in this industry. This industry is is traditionally male-dominated. And a lot of industries, a lot of women that I’ve talked are dealing with a traditionally male-dominated industry, and they just do things differently than we do.
18:31.08
Lorie Jones
it doesn’t it It doesn’t make it bad or good. it just isn’t the same as as we do it. I think that women, specifically in financial services, come at it with a more collaborative kind of um empathetic sort of point of view, um more of a feelings and relationship building kind of place.
18:49.69
Lorie Jones
um and and And overall and overarching, I’ve seen men come at it with a return on investment kind of view.
18:55.65
Jennifer Rayner
Right.
18:56.94
Lorie Jones
You know, this is this is the way things are, like you said, this is the way we do them, this way everybody does them, this is the way everybody we know does them.
18:57.07
Jennifer Rayner
Right.
19:00.53
Jennifer Rayner
Right.
19:04.22
Lorie Jones
You can only do them this way.
19:05.31
Jennifer Rayner
Well, and I’ll add one more thing is that while I and believe that’s true with the male female part of it, but I think there are plenty of people, male and female that still wouldn’t um even males that don’t fit the model, but still could bring something very powerful And it’s not just the person behind the scenes.
19:26.64
Jennifer Rayner
it’s not They could actually be an advisor and not have to be that traditional role, right?
19:33.20
Lorie Jones
ah
19:33.26
Jennifer Rayner
Or not that traditional way of doing it. And I think that’s what’s truly missing. I don’t even think it’s a male-female thing necessarily.
19:40.43
Lorie Jones
Yeah.
19:40.50
Jennifer Rayner
I think it’s just a we are overlooking as an industry Being able to transition from um it has to be done this way to maybe there are other ways to do this.
19:45.90
Lorie Jones
Diversity.
19:53.18
Jennifer Rayner
And I think that’s probably why our industry struggles with, you know, Gen Z and bringing on new people and bringing it because and I’ll go down another rabbit hole. My kids are Gen Z, right?
20:03.59
Lorie Jones
Mm-hmm. Mm-hmm.
20:03.79
Jennifer Rayner
And they hate when I talk about them. But when I was like, they were in this phase, I was like, hey, maybe you want to take over. They were getting ready to launch, right? What are you going to do in college? What are going to do?
20:15.89
Jennifer Rayner
And i was like, why don’t you take over the business? I can train you. I could da, da, da. And they were like, this was exactly what my youngest said. um I don’t want to help rich people get richer.
20:29.04
Jennifer Rayner
And I was like, is that what you think I do? And so that’s what they see.
20:35.16
Lorie Jones
Mm-hmm. Mm-hmm.
20:35.41
Jennifer Rayner
That’s what our industry portrays. um It’s about wealth. It’s about making you wealthy. Well, I think a lot of this generation coming up could care less about being wealthy.
20:46.87
Jennifer Rayner
They couldn’t care less about being wealthy. They just don’t. They want to make a difference. They want to, and we can laugh all we want at them, but that’s who they are. For whatever reason they were brought up, whatever it is, i don’t even know what it is.
20:56.26
Lorie Jones
i
21:00.61
Jennifer Rayner
I’m not even going to suggest what it might be. I think there are ways for people to come into this industry, but as long as our industry is putting off this, it’s about wealth management.
21:12.76
Jennifer Rayner
Most of them are going to be turned off. Many of them are going to be turned off of it, even though they could be someone that could make a difference in our industry.
21:20.38
Lorie Jones
That’s so interesting and really insightful. I love that idea that, you know, that that there is a place for diversity and and diversity doesn’t have to mean just gender or even race or anything like that, but diversity within the way that you do things and the way that you you interact with this field.
21:40.14
Lorie Jones
and And that needs to change.
21:40.26
Jennifer Rayner
Yes. Thank
21:41.94
Lorie Jones
I like that. That’s cool.
21:44.37
Jennifer Rayner
you.
21:45.61
Lorie Jones
What about regrets? If you go back and look at your journey and your your situation, is there something, maybe not that you regret, but that you would do differently? If you knew then what you know now, would you change something and do it differently?
22:04.16
Jennifer Rayner
I’ll give you a very specific thing.
22:04.18
Lorie Jones
Yeah, I know.
22:06.16
Jennifer Rayner
i would have made my mother buy long-term care insurance.
22:11.33
Jennifer Rayner
I know that sounds crazy, but my mother ended up with Alzheimer’s, early onset Alzheimer’s at 62.
22:13.68
Lorie Jones
Yeah.
22:18.18
Jennifer Rayner
And we spent about a decade caring for her, built onto my house, our house and and cared for her. And it was not easy um financially or otherwise. So That would be the one very specific thing i would have gone back and done differently. But as a, um like an overarching, what would I have done with my life?
22:42.10
Jennifer Rayner
Probably would have um been a social worker or teacher.
22:46.20
Lorie Jones
Really.
22:47.04
Jennifer Rayner
Yeah, yeah.
22:48.50
Lorie Jones
I love that.
22:48.94
Jennifer Rayner
But again, i believe everything happens for a reason. So I truly believe that all the things that culminated into the accidents and the all brought to this, maybe I was built to do something big.
23:02.16
Jennifer Rayner
Right.
23:02.20
Lorie Jones
hmm.
23:02.89
Jennifer Rayner
So that’s the other thing that’s really frustrating in the investor world in the so we’re raising capital, we’re doing all of these things. And there’s this.
23:14.63
Jennifer Rayner
unspoken, why is it taking you so long to get to here? Or um you haven’t had a company that you exited from or this spotlight on how could you be this because?
23:27.17
Jennifer Rayner
And I feel like there isn’t enough um that’s layered on about how you got here and why. So like all of my life experiences as a 50 year old woman actually give me, in my opinion, ah way more insight into this industry, into the problem we’re solving, into how to survive things, because I’ve already done it, versus somebody who’s a 20 year old trek tech bro.
23:55.05
Jennifer Rayner
Right. So, yeah, they might innately have it and have this great idea. But I don’t think people give enough credit to my lived experiences, not only in this industry that I’m building a product for, but my ability to to make this company successful.
24:16.65
Jennifer Rayner
Wow, that’s
24:21.11
Jennifer Rayner
Sometimes things I say.
24:21.19
Lorie Jones
What’s
24:24.55
Lorie Jones
It just open your mouth just opens and it comes out.
24:27.53
Jennifer Rayner
no
24:27.64
Lorie Jones
That’s amazing. and love it. What, what is one thing if you could go back and talk to yourself at the beginning of this journey, you specifically, what would you tell yourself?
24:38.58
Jennifer Rayner
When you say this journey, do you mean my journey of life? Do you mean as a financial advisor? Do you mean money well? Because they’re all probably going to
24:44.90
Lorie Jones
Yeah, like about a 20 year old 20 and 21 year old just starting out. Yeah.
24:52.88
Jennifer Rayner
don’t know that there would have been anything i could have told myself to convince myself that I could be what I’m doing now.
25:00.67
Lorie Jones
Uh-huh. huh
25:01.03
Jennifer Rayner
I honestly don’t believe based on where I came from and the experiences I had had and where I was in my life at that moment with chaos and family things and just a lot of stuff.
25:14.11
Jennifer Rayner
don’t think you could have told me anything. And that’s not a kids are stubborn. That’s just a i was so
25:22.50
Jennifer Rayner
like, what’s the word for it? I was so embedded in the life and the world that I came from and the family and the things, the dynamics.
25:33.26
Jennifer Rayner
I don’t think you could have told me anything to to make me truly believe that I could do those things.
25:35.17
Lorie Jones
Mm-hmm.
25:38.27
Jennifer Rayner
Fun fact, I innately had a performance streak in me.
25:38.43
Lorie Jones
yeah
25:42.54
Jennifer Rayner
i I was actually very successful and high school. So I had this ability to make people laugh or be dynamic or whatever. Right. I think I tamped that down for a really long time, by the way.
25:58.93
Jennifer Rayner
So I sang at high school graduations. It was a small school in the middle of Texas. um I was most likely to succeed and best all around and miss WHS and all those things. But I still left thinking I can’t.
26:13.01
Lorie Jones
Mm-hmm. Mm-hmm. Mm-hmm.
26:13.40
Jennifer Rayner
There’s I, you know, and in It’s a part of me. I was like, I told myself, I was like, you should go try acting. You should go try singing. You should try and doing all of those things. People loved loved it. You got this energy off of it. And I was like, no, I can’t.
26:28.94
Jennifer Rayner
I’ll fail. Right? I didn’t even do that. Like I had… There were lots of avenues I could go down. I had lots of, like, um obviously everybody believed I could, but I didn’t, right?
26:42.52
Jennifer Rayner
And I don’t think somebody could have come to me or I could have read a book that said, you’ve got this. You believe in yourself.
26:47.46
Lorie Jones
Mm-hmm.
26:49.94
Lorie Jones
You just had to go through the experiences and learn through the life.
26:50.33
Jennifer Rayner
Yeah. I had to live life and get to a point Wish it had happened sooner. But again, i feel like everything happens. And, you know, I’d done that, I wouldn’t have met my husband. I wouldn’t have had the two amazing kids I have because it wouldn’t have been that guy with that created those two people. You know what I mean?
27:11.30
Lorie Jones
Yeah.
27:11.54
Jennifer Rayner
So everything happens. And i maybe I wouldn’t have had kids or just, although I think I was always like, I need kids. I want kids. So now I’m like, I tell my two kids, they’re two boys.
27:23.31
Jennifer Rayner
And I’m like, when you bring in me grandkids and they’re like, what? We’re like 21 and 23. And twenty three i was like, I know, but still I’m ready for that again. Right. Anyway. So yeah.
27:37.04
Lorie Jones
What about, what scared you the most when you first started out on your journey or, you know, at at some point during it And does it still scare you or did you find a way to get through that?
27:48.38
Jennifer Rayner
Um, it scares me, I guess this is what they call imposter syndrome. It scares me that still to this day, that no matter how much confidence I have that somebody is going to like tap me on the shoulder and be like, Hey, you don’t belong here.
28:01.51
Jennifer Rayner
And we see you, right?
28:01.95
Lorie Jones
Mm-hmm.
28:03.61
Jennifer Rayner
We see you. And i mean, I feel like now I have enough confidence to go, i don’t know what you’re talking about. Go away, shoe fly. Right. But it’s, um,
28:16.40
Jennifer Rayner
it’s that sort of um belief in yourself, I guess.
28:22.39
Lorie Jones
And did you, so how do you combat that? Like, how do you get past it?
28:27.48
Jennifer Rayner
Right now I ignore it. um I just go now I will tell you, ah so let’s just be real here. i spend,
28:39.02
Jennifer Rayner
I, I have my fair share of crying in my pillow and trying not to let, the people around me see it because they’re depending on me depending on me to keep my sorry i’m gonna say it shit together right so i do i still do that and sometimes it’s carthiatic cathartic carthartic and sometimes it’s exhausting and people are like well you need to take a break and i’m like yeah but if i spend too much time thinking about that then it takes gets me off track right so yeah you got to do it every once in a while but
28:49.36
Lorie Jones
Yeah.
28:53.82
Lorie Jones
Mm-hmm.
29:13.40
Jennifer Rayner
i try not to, because once I do that, it kind of throws me off the rail for a while. I don’t need any epiphanies right now. i don’t need any of those things. I just need to keep laser focused, right?
29:24.96
Lorie Jones
working hard
29:25.45
Jennifer Rayner
So working hard, but the more you do that, the less, I’m, I’m one of those people that like, I wake up every morning and there’s some piece of the puzzle that comes to me.
29:36.22
Jennifer Rayner
It’s like my little creative brain. When I used to call them brain sparkles, I’d text the people that were helping me. I’d be like, do you want to hear my brain sparkle this morning? Yeah. They’d be like, oh my God, what? You can’t get distracted by that.
29:48.78
Jennifer Rayner
I didn’t say I was going to go down that roll that that hole. I just said, it’s my brain sparkle. I had to tell somebody, right?
29:55.29
Lorie Jones
Yeah.
29:55.37
Jennifer Rayner
So sometimes they just come to me.
29:55.66
Lorie Jones
Mm-hmm.
29:57.17
Jennifer Rayner
So mornings are really good. I get up and I’m like, ooh, and I go get that thought down. um But I try not to, at the end of the day, when I’m really tired, that’s when the other star stuffs to creep in, right?
30:09.82
Lorie Jones
her
30:10.45
Jennifer Rayner
I’m like, I’m going to try to relax, right? I try, you know, not meditation. I’m too ADHD for meditation. i do. I got into some like chanting type meditations at one point because even that for me needs to be active. Like I need to be holding those and I need to be chanting and I need to, if I’m going to get there, I’ve kind of let that fall off of the wayside.
30:34.02
Jennifer Rayner
Plus I think it was more like a cult. Kundalini was more of a cult. I didn’t even know it was a cult until that that Netflix show came out. i was like, oh my God, it was a cult. It kind of felt like a cult, but it felt really good. I loved it. And I didn’t get, didn’t know anybody. And didn’t, I just went. Right. And I was like, this is amazing.
30:51.04
Jennifer Rayner
But when they started showing somebody we were supposed to all like bow to, i was like, okay, peace out. I’m out of it um this.
30:56.34
Lorie Jones
Maybe not me.
30:56.70
Jennifer Rayner
is I’ll go do the chanting thing on my own. How’s that? Okay.
31:01.11
Lorie Jones
I love that. I love that.
31:03.14
Jennifer Rayner
one
31:03.13
Lorie Jones
So what about um Jennifer? Did you face any unique challenges because you were a woman through through this journey?
31:14.65
Jennifer Rayner
Well, ah we kind of covered a few of them. One is the initial part of my journey, just this ah smartest guy in the room sort of scenario. that initially didn’t offend me, I believed it, right?
31:28.75
Jennifer Rayner
Was he smart? Yes. Was he smarter than me than a lot of things? Yes. But being in that dynamic, you know, as I got more educated and better at what I was doing, that dynamic never changed.
31:40.65
Jennifer Rayner
So that’s one thing I’m going off the rails here.
31:40.88
Lorie Jones
Mm-hmm. Mm-hmm.
31:42.98
Jennifer Rayner
That’s one thing that I think is really important for women to understand is that at least in my case, I was at that company for 20 years with working for that person.
31:54.86
Jennifer Rayner
And I like to describe it like this. You are to somebody who you were when you walked into their life. So it didn’t matter how much I evolved. In his mind, I was always that executive assistant.
32:07.99
Jennifer Rayner
He wouldn’t say that, but that’s how it felt. It’s like there was this undercurrent of he couldn’t get past that that dynamic, right? I think that’s true of a lot of ah interpersonal connections, et cetera.
32:20.50
Jennifer Rayner
So… so there was that, and then now, now
32:29.17
Jennifer Rayner
I get told don’t don’t bring up that getting investment and being a woman because then that’s… And I get told that, but I also kind of believe it. I’m like, I’m stopped. I don’t want to talk about that.
32:39.98
Jennifer Rayner
I don’t want to talk about how 2% get you know funding and all this, blah, blah, blah, blah. This is an amazing idea. that shouldnt that That’s not going matter. That’s what I tell myself.
32:50.04
Lorie Jones
Yeah.
32:50.74
Jennifer Rayner
That’s not going to matter. The right investor is going to see this and be like, I can’t even see that Jennifer is a woman because what the idea is that good.
32:57.76
Lorie Jones
Yeah.
32:59.80
Jennifer Rayner
so that’s always what I do is I’m always forward facing going, I’m going to present this and keep evolving and iterating so that they can’t even notice that they’re talking to a woman.
33:10.80
Lorie Jones
Mm-hmm.
33:11.28
Jennifer Rayner
voice a little whatever i don’t know put my hair up I don’t know. um So i think that is the part. I’m sure there is an endoccurrant to that.
33:22.76
Jennifer Rayner
It’s a little bit of a lot of things, right?
33:22.99
Lorie Jones
Yeah.
33:24.70
Jennifer Rayner
Partially woman, partially no successful exit. You know, I haven’t proven myself and I haven’t really done anything. RIA isn’t that successful.
33:36.49
Jennifer Rayner
Well, it’s not successful because lots of reasons. I went and did this thing instead anyway. I think being a woman is affecting that. But I wouldn’t use that. I don’t use that as a crutch.
33:49.08
Jennifer Rayner
I basically say, okay, yeah.
33:49.12
Lorie Jones
yeah
33:52.00
Jennifer Rayner
But I tell people all the time, the way my mind works is when one of those people rejects it early. Now, early on, the people that rejected it, okay, there there wasn’t, it was just an idea, right?
34:02.80
Jennifer Rayner
It was this little pinch deck.
34:03.05
Lorie Jones
Yeah.
34:04.06
Jennifer Rayner
And now we have a full blown product. And so all I think is, Okay. I keep iterating. I keep moving forward. We’re bootstrapped. I keep moving forward. So the next time you hear about us and want to invest, you’re getting less of the company for that.
34:18.47
Jennifer Rayner
So I’m sure you’re going to regret that.
34:18.59
Lorie Jones
Yeah.
34:21.19
Jennifer Rayner
You probably won’t tell me you regret it, but you know what i mean?
34:23.65
Lorie Jones
Yeah.
34:24.70
Jennifer Rayner
Like, that’s what I tell myself.
34:25.56
Lorie Jones
yeah
34:26.11
Jennifer Rayner
I don’t say those things. And i just know in my heart that that’s what will happen. That some of the people that said no in the beginning, when this thing becomes what I think it can become, people are going to be like, it’s like going back and say, Oh my God, people are going be like, Jennifer’s really comparing herself to like Apple or Amazon.
34:46.19
Jennifer Rayner
Maybe. ah So, um, It’s like those people that had a chance to buy it before it was even IPO, right? Before it was even those people, that first investor in Steve Jobs, right?
34:53.87
Lorie Jones
Yeah.
35:00.33
Lorie Jones
Yeah.
35:00.50
Jennifer Rayner
That person just saw it and said, here’s a hundred grand. I don’t know why I’m investing you. The people that haven’t done that were going to be thinking they wish they had just done that.
35:05.38
Lorie Jones
Yeah.
35:11.39
Jennifer Rayner
Because there were a few people early in that were like friends that were like, i need to throw some money at you.
35:11.63
Lorie Jones
yeah
35:15.82
Jennifer Rayner
I don’t have a lot. those people are going to be the ones that get to say, ah, you know what I mean?
35:21.85
Lorie Jones
ah i I got in on the ground floor.
35:25.00
Jennifer Rayner
Exactly.
35:26.04
Lorie Jones
Yeah.
35:26.72
Jennifer Rayner
See how I am like the most ridiculously confident person I know now. And this isn’t a put on. This is actually what I tell myself and how I wake up each morning. But then let’s go back to the crying moments. There are still the moments.
35:39.32
Jennifer Rayner
they Those moments don’t now do not creep in as what have I done? They now creep in as, I don’t know why this has to be so hard.
35:51.19
Jennifer Rayner
Right.
35:51.16
Lorie Jones
Mm-hmm.
35:52.09
Jennifer Rayner
And I can’t give up because that would hurt more than continuing to just put myself through this.
36:01.33
Jennifer Rayner
Such a sad story. Yeah.
36:02.66
Lorie Jones
and
36:05.34
Lorie Jones
Well, entrepreneurship is hard. It just is. I mean, like at a base, it really is difficult. and And your journey is not a lot different than a lot of other people’s journeys who’ve started this entrepreneurship um experience.
36:22.13
Lorie Jones
And it just…
36:22.75
Jennifer Rayner
Well, hopefully this helps.
36:24.42
Lorie Jones
Yeah, it it takes it takes a lot. it takes a lot of ah self-confidence and drive and work and and tears in the pillow at night to try and make a success of it.
36:33.70
Jennifer Rayner
Right.
36:35.64
Lorie Jones
So one of these days, you’re going to look back and be like, yeah, you guys really wish you would have gotten in way back when.
36:40.95
Jennifer Rayner
Yeah. yeah I won’t say it. I won’t need to.
36:48.29
Lorie Jones
It will be obvious, yeah. Yeah. Jennifer, is the thing you are most proud of?
36:56.87
Jennifer Rayner
My boys. I know that seems cliche. You just talked about all of this stuff and you’re going to say raising your boys. Um, so I haven’t done it all right.
37:08.42
Jennifer Rayner
Like at all when it comes, maybe actually raising my boys. Yes. But the financial part, not at all. Like I haven’t been nobody’s like shining example of how they should, you know, do their life. Right.
37:22.71
Jennifer Rayner
Or especially financially. And, um, But I always, always wanted to give my boys something, a life that I didn’t have, right?
37:33.47
Jennifer Rayner
And by that, I don’t mean necessarily financial, but just, again, the things that I grew up in and the chaos and the, all I wanted was it to be just as normal as possible, right?
37:46.17
Jennifer Rayner
And I’m not saying normal normal’s and different for everybody.
37:46.22
Lorie Jones
Yes.
37:49.53
Jennifer Rayner
Stable, stable. That’s what I wanted to give them was stable. And, you know middle class, small little neighborhood, you know, nineteen fifty s neighborhood in San Diego is where I landed.
38:02.86
Jennifer Rayner
my kids were a half mile from their elementary school, a half mile from their ah middle school, um stayed in the same house basically their entire ah childhood.
38:14.54
Jennifer Rayner
i never had that. And that’s almost all I wanted to give them. And they look back on it they’re like, so…
38:18.54
Lorie Jones
Mm-hmm.
38:20.49
Jennifer Rayner
They don’t understand how powerful that was. And maybe it wouldn’t have made a difference for them. um But for me, that’s what I wanted to give them. And turns out, I now can look at them and go, you know, maybe some of the struggles were good, some of the things that we had to go through and being able to just give them a stable life where I respected them, where I gave them the things, not financial, but the things that I didn’t feel like I got just doing those things. I can now see it reflected back to me in these very confident, self-assured um little people that I can be like,
38:58.90
Jennifer Rayner
i did that I don’t.
39:01.62
Lorie Jones
Yeah.
39:02.90
Jennifer Rayner
But you know what mean? But I picked him.
39:06.36
Lorie Jones
Yeah.
39:06.53
Jennifer Rayner
I picked him.
39:07.38
Lorie Jones
Mm-hmm.
39:09.85
Jennifer Rayner
So it’s still sort of me, right?
39:12.04
Lorie Jones
yeah
39:12.18
Jennifer Rayner
like Creating this life, you know, like that was all my focus was in my early 20s or my early to mid 20s was I just want to get married and have kids. Right.
39:21.04
Lorie Jones
usually
39:21.50
Jennifer Rayner
um So when I finally did that, like late in life, like 30, I feel really good that I brought up two individuals that I can be proud of and you know, in the ways that they’re going about life and being adults.
39:35.42
Lorie Jones
Yeah, I like that. I love that. what um Any advice for a young lady who’s just starting kind of down this path that you’re already the end of and and so successful at?
39:47.75
Lorie Jones
Not at the end, you’re you further down the path than they
39:50.74
Jennifer Rayner
I was thinking I was raising my eyebrows at the successful part.
39:53.22
Lorie Jones
Yeah.
39:53.70
Jennifer Rayner
Yeah.
39:55.90
Lorie Jones
but But any advice for her to help her get where you’re at today?
40:02.52
Jennifer Rayner
Find people, surround yourself with environments when you can. We’re not talking any particular level of measure, meaning even if you’re working at McDonald’s, try to find a boss, try to find that person in that environment that lifts you up, right?
40:24.69
Jennifer Rayner
That sees you for you, is okay, with who you are as a person and wants to help you grow to be whatever it is you are capable of. Not some put it up on a pedestal, you can be rich and you can own a house and you can be, maybe it isn’t that for you, right?
40:40.69
Jennifer Rayner
So it’s like you need to surround yourself around people that see you, that you can be open with who you are that aren’t projecting in what you should be.
40:44.73
Lorie Jones
Mm-hmm.
40:50.90
Jennifer Rayner
The shoulda, coulda, wouldas, I would say. Because I think people can be happy and content without all of those things. that people tend to say you should do this or it’s really important that you do these things.
41:05.02
Jennifer Rayner
Maybe it is, maybe it isn’t. People can be happy with different things. People can feel successful with different, taking different avenues in life. So surrounding yourself with an environment or people that you find, maybe it’s friends, maybe it’s just a networking group, maybe it’s whatever, they can see you for who you are and help you develop that, not the thing that people are telling you should do.
41:28.44
Jennifer Rayner
or the things that might be possible.
41:28.68
Lorie Jones
I love that.
41:31.85
Jennifer Rayner
Because some people are very content with just basic things, and that is okay.
41:31.95
Lorie Jones
Yeah.
41:38.09
Lorie Jones
Yeah. Yeah. I like that. I like that the idea of looking around for people who see who you are and want to help you become that, um you know, and and sometimes you need those those positive voices kind of lifting you up to say, hey, have you have you thought maybe you could do this or have you thought maybe you could, you know.
42:00.78
Lorie Jones
Grow in this way, that’s something that is so you and feels so right, but maybe you hadn’t thought of.
42:02.22
Jennifer Rayner
Right.
42:08.48
Jennifer Rayner
Right. And little paths. So find people that could interject ideas, not you need to do this, but hey, I was thinking about this when I heard about, what do you think about that?
42:19.87
Jennifer Rayner
You know, funny little, my youngest story.
42:20.05
Lorie Jones
Mm-hmm.
42:22.80
Jennifer Rayner
He’s 21 now. He hated school. He is also, um not going to, he also chat, he’s challenged with not liking school for different reasons.
42:33.71
Jennifer Rayner
And my oldest an electrical engineer. So he went through that path. Right. And Michael, my youngest was like, I don’t know what I want to do. And I was like, well, don’t go to college then.
42:46.40
Jennifer Rayner
There’s other things you could do. And he was like, i just want to help people. And I was like, well, remember when you were seven and you said you wanted to be a surgeon and your brother laughed at you because it included school and you hate school.
42:54.89
Lorie Jones
Mm-hmm.
42:58.52
Jennifer Rayner
I was like, you know, there’s other paths. And so I was like, I had this surgery and the surgeon said that there’s this surgical tech thing. and it’s like 18 months of school and then you’re out. And then he’s already he did that and he’s doing what he loves.
43:13.80
Jennifer Rayner
In a surgery situation, right? And now he’s like, maybe I’ll go to nursing school. Maybe I’ll do this. Maybe I’ll do that. But if he doesn’t, guess what? He’s in a career that he loves. He enjoys.
43:24.56
Jennifer Rayner
He comes, he still lives at home because I told him he couldn’t until he finishes school, wants to go nursing school, et cetera.
43:28.99
Lorie Jones
Yeah. Yeah.
43:29.83
Jennifer Rayner
And he said,
43:30.01
Lorie Jones
ah
43:31.42
Jennifer Rayner
I just he’ll come home and be like, we did this today. And ooh they cut somebody open. That’s the best part. And he’s like, I want to be a trauma surgeon or I want to be a he’s learning what he wants to be. And it’s all rooted in he was the one that said, I don’t want to help rich people get richer.
43:47.13
Jennifer Rayner
And he literally says he works at a hospital that’s a county hospital. He doesn’t necessarily want to work at some fancy hospital where they pay him a whole bunch. He wants to help the people that nobody else wants to do in a very non-profit.
44:03.14
Jennifer Rayner
exciting place, like trauma and people that don’t have the insurance to pay, like that’s literally what he, and so by encouraging that he’s now happy, right?
44:10.74
Lorie Jones
Yeah.
44:13.65
Lorie Jones
Yeah.
44:13.89
Jennifer Rayner
Because I didn’t say you should go be a nurse because get that degree.
44:16.40
Lorie Jones
yeah
44:18.49
Jennifer Rayner
We just, I left it open to him and I listened to what he was saying, right?
44:18.50
Lorie Jones
Mm-hmm.
44:22.91
Jennifer Rayner
Which is, i hate school.
44:23.14
Lorie Jones
Mm-hmm.
44:25.34
Jennifer Rayner
And I was like, um but you’re going to have to do something.
44:25.57
Lorie Jones
yes
44:27.98
Jennifer Rayner
And once he got past that, my mother said I should be a surgical tech. He came to me after about a year of community college where we withdrew from every single class and was playing volleyball. And I said, um he said, remember that surgical tech? Can we go look into that?
44:43.16
Jennifer Rayner
You know what i mean? So it took him a second. So back to the young girl. So having somebody hear that, or if you are a mentor, think about it this way.
44:52.80
Lorie Jones
Yeah.
44:52.91
Jennifer Rayner
and encourage them to start thinking about the things they love and start to help them mold what that could look like and start throwing out in all of your wisdom, hey, I heard about this and maybe that’s it.
44:52.92
Lorie Jones
Yeah.
45:04.31
Jennifer Rayner
But keep your mind open to how not every one of them that you’re mentoring is going to go to four-year school or get a PhD or do whatever, right? That you can mentor people in a different way and they can end up doing something that is fulfilling, that they love without having to do it the way maybe you thought it should
45:12.58
Lorie Jones
yeah
45:21.08
Lorie Jones
yeah There’s so many possibilities open out there. i really, i really resonate with that idea that, you know, I have five kids of my own and they’ve all gone different directions and done different things.
45:32.45
Lorie Jones
And some of them are doing things that I wouldn’t have thought they would be doing.
45:35.50
Jennifer Rayner
Right. Yep. Yep.
45:37.91
Lorie Jones
And others are like, they were right straight down the path I figured they were on, you know, so it just, it really is.
45:43.49
Jennifer Rayner
Yep.
45:45.48
Lorie Jones
There’s a lot of possibilities out there and find people that see those possibilities in you.
45:47.72
Jennifer Rayner
Right.
45:49.91
Lorie Jones
I love that. Thank you, Jennifer, so much for your time today and for and for sharing your experience and your journey.
45:53.12
Jennifer Rayner
Of course.
45:56.46
Lorie Jones
If I have a young listener who wants to get in touch with you, how do they get a hold of you?
46:02.44
Jennifer Rayner
um I guess the best way is ah you can just email me. It’s JDR, as in Jennifer Dawn Rainer, at moneywell.com. That’s M-O-N-I-W-E-L-L.com.
46:15.55
Lorie Jones
Perfect. Well, thank you so much for your time today. I appreciate it.
46:18.34
Jennifer Rayner
Absolutely. Thanks for having me.