Episode Summary

Today, we’re joined by a special guest, Daria Victorov, who is a financial advisor at Abacus Wealth Partners, and specializes in working with young professionals in tech and those who have come into wealth at a young age. Join us as we dive into the topic of financial planning for young inheritors. We’ll explore the unique challenges and opportunities faced by those who come into wealth early in life, and Daria will share her insights on how to navigate this complex journey. Whether you’re a young inheritor yourself or simply curious about the financial dynamics of inherited wealth, this episode is packed with valuable information and practical advice. 

What You’ll Learn in this Episode:

• How Daria got into the niche of working with young inheritors
• The age demographic of a “young inheritor” and a few things they struggle with
• When inheritors typically come to seek guidance from a financial advisor
• The approach many inheritors take after inheriting wealth
• Why managing money is important for everyone, regardless of your income level
• The emotional and social struggles young inheritors face
• Why some young inheritors struggle with lifestyle adjustments
• Some of the initial responses financial advisors see with the inherited money
• How family dynamics play when it comes to inheritance and trusts and how an independent party can help navigate those family dynamics
• How long it can take some to create a build financial confidence

Stay Connected:

• Connect with Daria via email at daria@abacuswealth.com or on LinkedIn
• Connect with Mary Beth on Twitter, Instagram, and on LinkedIn
• Connect with Neela on Twitter, Instagram, and on LinkedIn
• Join the Abacus community by connecting with us on Facebook, Twitter, Instagram, and on LinkedIn

Transcript of the Episode

Mary Beth [00:00:14]:

Hey there. Welcome to the If Money Were Easy podcast, the show where we teach you how to expand what’s possible with your money. We’re your hosts, Mary Beth Storjohann

Neela [00:00:24]:

and Neela Hummel, 

Mary Beth [00:00:25]:

certified financial planners and co CEO’s of Abacus Wealth Partners. Today on the show, we are talking about financial planning for young inheritors. 

Neela [00:00:35]:

We are so pleased to host Daria Victorov. Our very own Abacan, Daria is a certified financial planner with Abacus Wealth Partners who specializes in working with young professionals in tech as well as people who have come into wealth at a young age. She has been an advisor for ten years, holds the certified financial planner designation, and is a graduate of Virginia Tech’s CFP undergraduate program. Passionate about financial education, diversity and pro bono advice, she has been on the FPA, Silicon Valley’s board of directors and the NorCal committee. Currently, she is involved with NAPFA’s DEI committee. In 2018, she was named one of financial advisors ten young advisors to watch. Daria lives in San Francisco with her partner and adorable dog, Brutus and cat, Lola. Daria, welcome to the show. 

Mary Beth [00:01:26]:

Welcome. 

Daria [00:01:27]:

Thank you. Thank you for having me. 

Mary Beth [00:01:30]:

We are very excited to have you. Daria is a superstar, y’all. I don’t know how she does so much in her free time, but that list that Neela just gave is actually a small subset of where Daria dedicates her time in terms of giving back to the industry and giving back to the community, so. 

Neela [00:01:45]:

I think she might hold the internal record for pro bono hours delivered. 

Mary Beth [00:01:50]:

Yes, I’ve looked up some pro bono things. Daria’s name just pops up on some of the websites I had no idea about. I’m like, when did you do this? Well, how did this happen? 

Neela [00:01:57]:

So Daria is a big deal. 

Daria [00:01:59]:

Well, we’re not keeping score. 

Mary Beth [00:01:59]:

So Dari is a big deal. We’re not. I mean, it’s not a competition. It’s not a competition, but it is not a competition. 

Daria [00:02:04]:

It’s not, but it is. 

Mary Beth [00:02:05]:

I mean, look who you’re talking to.

Neela [00:02:07]:

I know, but if it were, you’d be winning the competition. 

Daria [00:02:09]:

Not charity miles, but pro bono miles. 

Mary Beth [00:02:12]:

Exactly. We’ll talk about charity miles in another episode. Okay, Daria, so you, as part of your work, have basically developed a niche, intentional or unintentional? We’ll talk about that in working with young inheritors. Tell us about where that came from, how you got involved with a subset of clients, and what you’ve noticed in terms of similarities or experiences that they go through with their finances. 

Daria [00:02:40]:

Definitely. So for me, it kind of happened by accident, which maybe isn’t a surprise because I don’t know many people that are like, I want to work with an inheritors, because that sounds cool. For me one of the most beautiful things about Abacus is we get to work with a wide range of clients. You know, I think in the industry, we see a lot of advisors who work with people are about to retire tomorrow or they have other niches, but that’s kind of, like, the stereotypical thing. And in Abacus, we get exposure to many client types. So for me, I got exposed to it because there was advisors, like, help me with these clients. They were all inheritors. I still work with them today. Very fortunately, they’re a set of three siblings, and they all had a similar inheritance situation. But the thing that was different is they were all completely different. Like, I swear, sometimes I’m like, are you sure you guys are related? And that just happened to, like, put me down the path of there were two other. So three sets of three siblings of all inheritors. It’s kind of interesting to just happen that way. I have other inheritors that don’t have two other siblings, but it’s kind of interesting that happened, I guess, on accident. And I just really love the balance of complexity and also just, like, educating them about simple finances, even though they might have millions of dollars to their name. 

Neela [00:03:51]:

So when we talk about young inheritors, I sometimes forget that in our industry, what we think of as young is maybe older than what other people would consider. So when you think about young inheritors, what kind of is the threshold that you would say, hey, this. This kind of puts people in this bucket because they’re kind of going through some of the same things. 

Daria [00:04:12]:

I would say young inheritors are, like, 25 to 35. Okay, I know that’s maybe a big range. 

Mary Beth [00:04:19]:

I’m officially in the old bucket, Neela. We’re in the older bucket.

Neela [00:04:23]:

You couldn’t have given us 45, Daria. 

Mary Beth [00:04:25]:

No, I was, like, 45. I was looking for 45. 

Neela [00:04:28]:

One more decade. 

Mary Beth [00:04:29]:

Not that we were angling the question, but. 

Neela [00:04:31]:

But you basically were in a new of the bubbles, you know, that you fill out, so. But it’s not about us. You go ahead. 

Mary Beth [00:04:37]:

Not about us. Continue. Continue. 

Daria [00:04:39]:

You know, you can start a new trend, you guys. You know, for all you know, maybe you’ll be new ish inheritors. We’ll come for you. 

Mary Beth [00:04:47]:

Young, Young ish. Young ish. So 25 to 35. 

Daria [00:04:52]:

Yes. 

Mary Beth [00:04:52]:

At what point is this cohort typically reaching out to you? So they’ve obviously had a very traumatic or loss in their life, they’re grieving. Are they picking up the phone 48 hours later and calling an advisor, or they coming and finding you six months down the line? 

Daria [00:05:09]:

I would say, surprisingly, a lot of surprises. I guess in this episode you would think with inheritors, you’d think about, like, loss and grief, but I don’t normally see that. It’s usually, like, pretty far beyond that point either. A lot of times, like, trusts are set up for the client, and one of the coolest things I’ve ever got to do as advisor was like, tell one of these inheritors, like, by the way, you got all this money in your name, and they just like, unfortunately, it wasn’t on Zoom, so I couldn’t see their face. But it was just, like, so cool to, like, give them this gift. Like, not literally, but, like, tell them, like, by the way, your life is about to change now. So for them, a lot of times it’s in a trust and either, like, their parent or grandparent is the trustee. And they’re like, you need to hire an advisor because this money is going to come to you at 25, 35, 40 is kind of a typical structure that I’ve seen, and you need to start working the advisor to make sure you do the right thing with this money.

Neela [00:06:00]:

And how do you help them? What are some of the concerns that they come with? What are some of the concerns that you’ve seen that they or maybe haven’t confronted yet? What are some of the typical concerns? 

Daria [00:06:12]:

I would say one thing that they’re always worried about is now that they have this money, they want to, like, just protect it. Like, they don’t want to lose it. I’ve had clients where I’m like, you haven’t had a cost of living increase in your monthly allowance or draw from your portfolio in, like, five years. They’re like, it’s okay, so I’m good. Like, you can give away $50,000 a year. They’re like, 30 is fine. 30 is fine. Thirty’s fine. Don’t want to give away any more money. So I think for them, they’re just like, because it’s come to them and it’s somewhat, like, unexpected. I find one commonality between these clients is even though they’re inheriting money, it’s like no one has ever talked to them about money. It seems like old school money mindset. Not everyone, but a lot of them. It’s like no one ever talked to them about how they should spend or save their money. And just like, all of a sudden, like, oh, you have this money now, and don’t. Don’t mess it up. But you’re supposed to figure out the right thing. So that’s where an advisor has come into play of, like, making sure they’re working efficiently and not going to overspend. I find inheritors, even though you kind of hear always, like, the stereotypical trust fund kids, it’s kind of this weird, ugly term, but a lot of them are, like, really conscious of their spending. Like, they could be flying first class and they still buy, like, Alaska Airlines saver flights or Southwest $50 flight deals. I’m like, you can get a little more legroom you’ll be okay. 

Neela [00:07:26]:

We always joke that we do a lot more than just financial advice, right. That there’s also a lot of emotional advice and just social issues that pop up around money. What are some of the unique emotions or social situations that happen when people are coming into money probably a lot sooner than a lot of their peers? 

Daria [00:07:47]:

I would say two things. The first thing is, it’s like a secret, and they don’t know who to talk to about it because they don’t want their friends to know that they have this wealth. Yeah, I can’t quote it, but there’s like this J. Cole the rapper quote where he’s like, what’s the point of sitting in first class? And all my friends are sitting in coach, and it’s like, very similar. 

Neela [00:08:06]:

It’s our first J. Cole quote in the podcast, and I’m here for it. 

Daria [00:08:10]:

Yes, it’ll be in the show notes. So Spotifying it. 

Mary Beth [00:08:14]:

This isn’t your first rodeo. You know how to do this. Yes, it’ll be in the show notes. 

Daria [00:08:17]:

So I was going to say that, like, for them, they can obviously buy first class, but, like, they feel awkward sitting there because their friends aren’t there, their social circles, not like that. I have one client where they have several million dollars and they have roommate. I’m like, you can afford to get your own apartment and they have a job and they don’t need to work. But they’re just like, I want to be a contributing member of society. And I’m like, okay, that’s all wonderful, but you can also have a one bedroom, one bath, and still be okay, right? So that’s one thing is like feeling a little bit alone, embarrassed sometimes. And then the other feeling that I see a lot with clients is guilt. Depending on how they inherited the money, it could be in regards to something that they don’t agree with from a values perspective. For example, might be related to oil. Like, maybe their grandparents invested in Exxon. They earned a bunch of money that way. And they’re like, well, I don’t think we should have gas, right? So they’re like, I want to give away all this money. So they feel really guilty of kind of like, it’s dirty money sometimes, and they feel like a need to, like, want to either redistribute it to donate it, whatever they kind of view as important, they almost, like, are allergic to it to some regard. 

Mary Beth [00:09:23]:

And how do you help them through those? I mean, those are two complex things, right? So there’s a bit of shame or lack of community that happens. Isolation that happens when you come into this well. So that’s one thing in terms of, like, giving them permission, letting them know they’ll be okay. And then there is the shamer about the inheritance. How do you help them through? Those are complex feelings around, right. The data doesn’t necessarily solve the problem. 

Daria [00:09:47]:

So, yeah, you’re right. Data doesn’t usually solve emotional problems. It is, and I’m not a therapist. You know, even though we kind of tiptoe that line sometimes is I’m not a trained therapist. I’m not a trained financial therapist. But I think a lot of it’s just being there and being a resource for them to talk through. Like, hey, I’m thinking about buying a house. And I’m like, you can afford double the house you thought, or a little bit nicer. So it’s just like, a lot of reassurance. And, like, sometimes you’re having the same conversation year after year. Like, I gave that example of, you haven’t had a cost of living increase in five years, but inflation is up this much and they’re like, no, no, no. So it’s just like, constantly, like, reminding them they’re going to be okay. And then with the guilt piece, it’s almost a little bit different because it’s like you having to be a reality check. Okay? You want to give away all this money? Are you gonna be a couch surfer for the rest of your life? That’s totally okay. I want to support you in your journey, but, like, do you recognize you can’t get that money back? All right, I was a couch surfer for five years. I want to, like, go into that one bedroom, one bath. No. So it’s a little bit of just re educating them time and time again, whatever their goals are. And it’s just really having the relationship and the process so they know what. What decisions they’re making and the impact of it in the long term. 

Neela [00:10:57]:

You mentioned a client who’s giving a chunk of money away every year. Have you noticed certain commonalities from a charitable giving, from a philanthropy standpoint? Or is it too hard to paint that brush across all of your triplets, all of your trios? That’s a specialty. Is inheritors who are also one of three. 

Daria [00:11:16]:

One of three. One of three. I secretly jealous because I have a half brother, but I don’t have any siblings. I’m so jealous you have siblings. I would say it’s giving is so personal. You know, we’re always looking for similarities in data or some kind of conclusion, but sorry to inform you, I don’t. Don’t see one. The only thing commonality is, like, sometimes it increases based on certain events that are happening in the world, is like, you always kind of see that as, oh, well, everyone’s really concerned about this. So you’ll see an increase in giving, but not a lot of similarities. No. 

Neela [00:11:46]:

Yeah. What are some of maybe the unique risks that this population might face and that maybe is unique to them, either based on their age or based on their wealth level? Something that’s just a little different. Again, I’m like, I’m just going to, like, lump anything. 

Daria [00:12:04]:

Right. I think it really has to be that their timeline is, in theory, so much longer. Of course, tomorrow is not a given, but we pick a 30 year old inheritor in this example, right? They could have another 70 years. Finding the balance of, like, okay, yes, you can take money out to buy this house and give this much money to charity. And all of our assumptions say, like, everything is going to be okay, you know, based on these assumptions, but, like, we don’t know what. What the future holds. So it’s about finding, really the balance of today and tomorrow. And it’s just like, again, constant, I wouldn’t even say battle, but conversation you have to have with them so they’re not like, giving all their money away tomorrow and then being like, okay, I didn’t think that through. 

Neela [00:12:43]:

Right. 

Mary Beth [00:12:44]:

So let’s say I’m a young 32 year old inheritor, and I just found out I have a trust. I have a trust. I’ve been told to get a financial advisor to help me understand money. I am connected with you. What is the first thing that you do? How do you help me? I’m like, I have this money. I’m supposed to hire you. Now what? 

Daria [00:13:08]:

It’s really similar to anyone that comes through our doors at Abacus is just really getting to know them, their values, their goals, and goals for these young inheritors are very different. They’re not thinking about retirement. For some of them, this, this could be life changing money of, like, I’m not going to have to work ever again, but it might just be enough where it’s like a lifestyle increase, assuming they’re okay with spending it, but really getting to know, like, what’s important to them. What do they want to use this money for? With inheritors, especially where they have, like, trust created, they’re not really thinking about, like, well, my grandmother set this up for me, so I want to leave a legacy and they would want me to do this. It’s. I don’t find that inheritors of that demographic think that way. Like, really just trying to figure out what’s important to them and making sure they don’t run out of money.

Mary Beth [00:13:51]:

And do they come to you with that question, though, or do you teach them that that is what they should be worried about? Like, are they, like, I don’t want to run out of money, or can I quit my job? Or is it something that you’re introducing of this is how we’ll work together to make sure that you can live a sustainable lifestyle and still meet your goals. Are you teaching them what to consider? 

Daria [00:14:12]:

They really don’t know what to ask. 

Mary Beth [00:14:13]:

Right?

Daria [00:14:13]:

So new, they’ve probably never had a professional, like, in their life. Maybe an accountant, because their parents had an accountant, perhaps a lot of them still use, you know, TurboTax. There’s nothing wrong with that. And they just don’t even know. They’re like, I was told to talk to you, and I’m not really sure. And then I show them, like, what’s possible. This is how your life can change. This is what this money can mean for you. And then having them just warm up to that idea, and sometimes it takes years. Some of my inheritor clients are still grappling with it because they’ve just been invested for ten years, and they’re just seeing the benefit of investing over the long term. 

Mary Beth [00:14:47]:

Yeah, that was one of my questions. How long from them hiring you and you creating a plan for them, as advisors do to them, taking action on adjusting their lifestyle, or getting that one bedroom apartment, buying that house, doing the philanthropy, the things that you show them they can do, are they slower to, to move? 

Daria [00:15:07]:

They are tortoises. I mean, I don’t know how else to describe it. I’m the one in the advisor fashion, like, being proactive and reaching out to them. I have one client I’ve had for seven years, and they’re just now thinking about buying a house, and it’s been, like, on the dockets the whole time I’ve worked with them. 

Mary Beth [00:15:27]:

Wow. 

Daria [00:15:28]:

Some things are top of mind. Charitable giving. Usually people are able to move in a lot faster, but big decisions, like a home, they’re very slow. They’re very slow to react. 

Neela [00:15:37]:

So I know you didn’t set out to specialize in this group, but now you do and you obviously enjoy it. So what? What do you like about it so much? Why is this one of your favorite groups to work with? 

Daria [00:15:51]:

I love the balance of complexity and then also the simplicity of, like, some of these clients have never worked before. They don’t know what a stock or a bond is or why should be invested. And then some of them have trust tax returns and K-1s, and we’re thinking about charitable giving strategies, and there’s the fun planning or things we can nerd out about said another way. So I love that mix. And then also the emotional piece that we’ve kind of continued to talk about. Like this is life changing money. Like you, in theory, you don’t have to worry. Of course you’re still going to worry because it’s just kind of your money story and how you’ve lived your whole life. But I’m, like, really excited about this opportunity to show them that their life can change, that they can give money away if they want to. I met with a client two weeks ago, and I’m like, you can give away almost your whole portfolio because one of them is working and they live on a healthy salary and they just basically live off their salary. And they were like, this is awesome. And I was like, I know it’s really cool to see that they can make that happen. I don’t know how long it’ll take them to implement. 

Neela [00:16:52]:

Well, and maybe it’s not even implementation. It’s the peace of mind that comes with what’s possible, which is super powerful, especially when you talk about, there’s a privacy piece. And to have somebody that knows this stuff as much as they do, maybe better, and to get that validation and that support and that expert advice is probably reassuring. 

Daria [00:17:17]:

I think the other part is the family dynamic. They’re 30 years old in this example, and it’s like their parents might still be the trustee of their trust and it can be really awkward, or they might have finally dissolved the trust and have full control of their assets, but they still think, what will my parents think about this? So I think that’s the other part. It feels so odd. But I can really help them try to work through it of like this is okay to do, and they’re kind of getting this other external force of like, it’s okay, we can do these things. It’s going to be different from what you’re siblings are doing or what your parents think you should do. So that’s one piece I think that’s kind of unique is most 30 or 40 year old clients don’t really have to worry about that.

Mary Beth [00:18:01]:

I was gonna say, one of the things that I was thinking about is the parents, right? And how many times there’s the callback and the fact that they’re reaching out is typically at a prompting of a parent or a grandparent, and then the influence or the fact that they’re even leaving their parents guy their person, right, and exploring finding their own. Like, that’s a big leap as it is for the subset to leave the family advisor and then to be able to break out and choose their own, and then for you to be able to work with them and how to navigate those conversations with their family. 

Daria [00:18:31]:

It’s like Thanksgiving is going to be a little awkward this year. 

Neela [00:18:37]:

You had mentioned something about the media portrayal of trust fund kids. I mean, it’s totally wrong across the board, but like, what do you feel like society and the media and basically people who don’t necessarily interact with these people, what do they really get wrong about this demographic? 

Daria [00:18:54]:

That they don’t care about their money, that they’re very frivolous. There’s always exceptions to the rule. Maybe the clients I work with are the exception to the rule, but they’re not all like that, where it’s just like, oh, they don’t care and they don’t work, and they don’t do anything to help the planet. And just because you have money, you’re still a person. Just because you live off your portfolio instead of a paycheck doesn’t mean that you don’t have emotions, that you’re not conscious about your money and you’re spending, whether you have $100 million or $100 to your name, like, you still have your own relationship with money. And I think that people think that doesn’t exist with inheritors or trust fund babies, for lack of a better description, and that’s just not the case. And everyone has a unique relationship. It’s just hard to avoid that. 

Mary Beth [00:19:34]:

So if somebody were to just inherit money, what would be the first thing that you would advise? 

Daria [00:19:40]:

Hire an advisor, but not make any decision on what to do with the finances, like, help them think about things that they’re probably not thinking through. You know, whether it’s an inheritance or it’s a, do you win the lottery or your company goes IPO? Like, it’s always important to just, like, pause and because it takes time to really sink in. So I think being intentional and waiting to make any decisions that are irreversible is important. 

Neela [00:20:02]:

What about spouses? Either current or future spouses? And inheritance plays in those relationships. 

Mary Beth [00:20:11]:

Yeah. Where does it get spicy? 

Daria [00:20:12]:

Oh, it’s awkward. It’s awkward. It is awkward. I’ve had clients where they’ve inherited money and they get married. I’ve had clients where they also have inherited money, and they get divorced. And there’s prenups, there’s postnups, there’s people that have eloped. And I’m like, wait, wait, wait, wait. What did you do? 

Neela [00:20:28]:

Slow down, slow down, please. 

Daria [00:20:30]:

And then they don’t sign the postnup. And I’m like, oh. And then they get divorced. It’s fun. So all the fun things that can happen. It is awkward because it is the sense of person has their own relationship with money. Every couple is unique. You want it to feel like a unit, but there’s still this level of, like, well, this is my money. And they feel like they have the ultimate decision, and it’s just awkward. I don’t know how to say it. I think that they find, like, common goals that they might want to use the money for. So for, like, using the house example or, you know, home purchase, and then they might think about, like, even having an agreement even though they’re married. Not a prenup or post nap, but, like, if we get divorced, I get the down payment back. 

Neela [00:21:07]:

Uh huh.

Daria [00:21:07]:

So they make it because I think they’re used to having professionals at one point. Then they start to really just, the romance is kind of out when you have inheritances, it’s just kind of like everything is more business oriented at that point.

Neela [00:21:20]:

Do you feel like you can catalyze some of those conversations? 

Daria [00:21:24]:

I think so. I think it’s, it’s helpful to be the person in the room to, like, talk about it, having also the inheritor agree what they want to talk about. Obviously, you don’t want, like, an inheritor to get money, and then the spouse doesn’t realize you got money in these, in these investment accounts, for example. But just making sure everyone’s on the same page and having conversations. And I think even not just inheritors, but couples in general, that’s just a really good way that advisors can add a ton of value. You’re either going to pay for financial advisor or divorce attorney. So make up your mind which one you want. 

Neela [00:21:55]:

I like that. 

Mary Beth [00:21:56]:

That’s good marketing. 

Daria [00:21:57]:

I didn’t come up with that. 

Mary Beth [00:21:58]:

That’s Daria’s new marketing plan. 

Daria [00:22:00]:

There you go. 

Neela [00:22:04]:

You’re like, and I don’t charge by the hour. 

Mary Beth [00:22:07]:

This has been a really, really interesting conversation. Is there anything else that you would say about this group that we haven’t talked about? 

Daria [00:22:15]:

Just that things change for them, too. You know, even if they’ve got inheritance, they’ve settled into it. Like, everyone’s life is going to change. The only thing that’s certain about your life is that it’ll change. So I think just people need to wrap their head around that, that they need to make financial decisions so their money is there for hopefully a little bit longer. 

Neela [00:22:31]:

I love it. 

Mary Beth [00:22:34]:

So good, Daria. So great. 

Daria [00:22:34]:

Thank you. 

Neela [00:22:35]:

We’re going to transition to our closing questions. So what is the best financial advice you have ever received? 

Daria [00:22:45]:

I will say shout out to my father. He gave me this advice. I don’t know if he knows this, but it started around, like, when CDs, now CDs are an interest again. But when I was a kid, it was like, you know, you’d earn like, 6% and the concept around, like, let your money work for you was the best advice I ever got. 

Mary Beth [00:23:01]:

Love it. What would you say is your favorite money mistake you’ve made and why? 

Daria [00:23:06]:

Also attributed to my father buying a car that I…

Neela [00:23:10]:

Dad, you better be listening. 

Daria [00:23:13]:

Buying a car that I shouldn’t have bought. I, for some reason, thought I needed a very old A4. Yeah, you don’t have a car anymore either, so it’s kind of funny how it’s come full circle, but it even broke down on the way down to college and on the side of the highway. And luckily my husband, now at the time, had AAA, but it was a fun tow that we had it with my cat and my husband, me and the tow truck driver in the middle of winter in Virginia. Not fun. 

Neela [00:23:39]:

Ouch.

Mary Beth [00:23:40]:

Asked if you had AAA. I don’t know. That’s just. 

Neela [00:23:43]:

Yeah. All right, final question. Fill in the blank. If money were easy,

Daria [00:23:51]:

It would be effortless. 

Neela [00:23:53]:

I like it. 

Mary Beth [00:23:53]:

Great answer. All right, Daria, tell our listeners how they can contact you.

Daria [00:23:58]:

You can contact me by going to the Abacus website. You can contact me at my email, daria@abacuswealth.com and you can always call me on the phone. I know I’m a millennial, but I love the phone. 

Mary Beth [00:24:12]:

I love it.

Neela [00:24:12]:

I feel like I know a lot of millennials who are like, call me. I can’t talk to my little brother without calling him. He’s like, I don’t do text. All right. Appreciate that you have an old soul. Yes, solid boundary. 

Mary Beth [00:24:24]:

All right, Daria, thank you so much for being on the show. This is lovely. 

Daria [00:24:27]:

Thank you for having me. 

Neela [00:24:28]:

So great. 

Mary Beth [00:24:31]:

Thanks for tuning in to today’s episode of If Money Were Easy. If this is the year that you want to expand what’s possible with your money and you can use some professional guidance along the way, head over to abacuswealth.com/getstarted and schedule your free consultation. 

Mary Beth [00:25:10]:

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