WEBVTT 00:00:06.730 --> 00:00:11.050 Welcome back to another Sci -Fi episode where 00:00:11.050 --> 00:00:15.609 psychology and finances intersect. Today we're 00:00:15.609 --> 00:00:19.170 going to examine how we think, feel, and behave 00:00:19.170 --> 00:00:24.989 with money as it revolves around financial stress 00:00:24.989 --> 00:00:30.329 and what it can lead to. September is Suicide 00:00:30.329 --> 00:00:33.310 Awareness and Prevention Month, so I thought 00:00:33.310 --> 00:00:37.770 it was... timely to present some statistics that 00:00:37.770 --> 00:00:41.229 we received. And this is not just important for 00:00:41.229 --> 00:00:44.210 military, but it's also important for all civilian 00:00:44.210 --> 00:00:47.750 populations. And I'll explain why in just a moment. 00:00:47.950 --> 00:00:52.289 But where I got this data, I got this data from 00:00:52.289 --> 00:00:56.270 two different sources. One is an article by the 00:00:56.270 --> 00:00:59.409 University of Georgia. There was an article written 00:00:59.409 --> 00:01:04.739 by Jane Roberts on how financial stress affects 00:01:04.739 --> 00:01:09.819 mental health. And this covers all of the civilian 00:01:09.819 --> 00:01:14.640 population, but namely students and what they 00:01:14.640 --> 00:01:17.980 have seen and a particular social worker has 00:01:17.980 --> 00:01:22.659 seen in the student population. But I will tell 00:01:22.659 --> 00:01:25.900 you that both as a licensed professional counselor 00:01:25.900 --> 00:01:30.079 and as an accredited financial counselor, financial 00:01:30.079 --> 00:01:35.299 stress impacts all. age groups. So I want you 00:01:35.299 --> 00:01:38.640 to be sure that you are definitely the right 00:01:38.640 --> 00:01:42.439 listener for today's episode. The other source 00:01:42.439 --> 00:01:45.480 of information is going to be coming from the 00:01:45.480 --> 00:01:49.379 Defense Suicide Prevention Office. There were 00:01:49.379 --> 00:01:53.719 two epidemiologists that spoke at a one -op. 00:01:54.200 --> 00:01:57.900 continuing education seminar. And I thought to 00:01:57.900 --> 00:02:00.159 myself as I was listening, this is definitely 00:02:00.159 --> 00:02:03.959 something I need to share with the masses because 00:02:03.959 --> 00:02:07.780 the information is just something that will get 00:02:07.780 --> 00:02:12.520 us to think differently about how we are approaching 00:02:12.520 --> 00:02:18.039 our finances and why understanding finances, 00:02:18.120 --> 00:02:22.580 why Building financial knowledge, building financial 00:02:22.580 --> 00:02:26.580 literacy, and building financial skill serves 00:02:26.580 --> 00:02:32.400 as a huge buffer to not only mental health issues, 00:02:32.580 --> 00:02:37.340 but also to suicide. All right, so let me first 00:02:37.340 --> 00:02:41.060 talk about this article with the University of 00:02:41.060 --> 00:02:46.009 Georgia today. So a famous social worker, I guess, 00:02:46.030 --> 00:02:49.110 at the University of Georgia, his name is Gadov 00:02:49.110 --> 00:02:55.770 Sina or Sina. And he stated that there are several 00:02:55.770 --> 00:03:00.870 young adults where financial stressors are not 00:03:00.870 --> 00:03:04.289 just about repayment plans and interest rates. 00:03:04.389 --> 00:03:10.270 It starts with very simple things before you 00:03:10.270 --> 00:03:15.370 even become. a full -fledged adult. And it can 00:03:15.370 --> 00:03:19.930 lead to, if unchecked, to mental health challenges. 00:03:20.110 --> 00:03:23.509 And some of the examples that he provided are 00:03:23.509 --> 00:03:27.210 things that I talk about at length in the sci 00:03:27.210 --> 00:03:30.770 -fi classes that I present, but also in these 00:03:30.770 --> 00:03:35.330 episodes on the podcast. And one of them is the 00:03:35.330 --> 00:03:39.879 burden And he talks specifically about the age 00:03:39.879 --> 00:03:44.800 range between 18 and 34. And he talks about it 00:03:44.800 --> 00:03:50.060 triggering a spectrum, not just one singular, 00:03:50.460 --> 00:03:56.199 but a spectrum of mental health issues. And in 00:03:56.199 --> 00:04:00.340 a couple episodes down the line, I have for you 00:04:00.340 --> 00:04:06.110 some information on economic abuse. and the outcome 00:04:06.110 --> 00:04:09.969 of financial abuse or economic abuse, which is 00:04:09.969 --> 00:04:13.530 depression, just to give it away. But for this 00:04:13.530 --> 00:04:19.350 age group with debt specifically, ages 18 to 00:04:19.350 --> 00:04:26.050 34, sight, stress, anxiety, and severe depression 00:04:26.050 --> 00:04:31.189 as some of the outcomes of these over -indebtedness 00:04:31.189 --> 00:04:34.029 issues, or even if it's not over -indebtedness, 00:04:34.480 --> 00:04:38.600 indebtedness, just the burden of debt alone. 00:04:39.439 --> 00:04:44.360 And he talks about some of the ways that this 00:04:44.360 --> 00:04:49.040 age group are incurring debt. And one of those 00:04:49.040 --> 00:04:54.079 is through credit cards, car loans, student loans. 00:04:54.300 --> 00:04:58.259 But let me speak specifically about student loans 00:04:58.259 --> 00:05:02.089 just to start off. I do understand that there 00:05:02.089 --> 00:05:07.069 are going to be first -generation students who 00:05:07.069 --> 00:05:10.870 did not have parents or anyone within their immediate 00:05:10.870 --> 00:05:14.649 family who attended college. I was that person. 00:05:14.689 --> 00:05:19.269 I was a college student. I didn't know the difference 00:05:19.269 --> 00:05:22.910 between a quarter hour or a semester hour. I 00:05:22.910 --> 00:05:26.269 struggled when I filled out college applications. 00:05:26.509 --> 00:05:31.209 It was very difficult for me. And along the same 00:05:31.209 --> 00:05:35.290 lines, I did not know much about student loans. 00:05:35.470 --> 00:05:39.360 I did know that there were resources that were 00:05:39.360 --> 00:05:43.300 available for books and certain types of tuition 00:05:43.300 --> 00:05:48.040 assistance and even the work program. But I didn't 00:05:48.040 --> 00:05:50.660 have a lot of knowledge about the actual student 00:05:50.660 --> 00:05:56.420 loan program. And this is where I really feel 00:05:56.420 --> 00:06:01.660 for this generation or these younger. Adults 00:06:01.660 --> 00:06:04.819 that are just coming in and don't know much about 00:06:04.819 --> 00:06:10.779 responsible borrowing. A lot of times they have 00:06:10.779 --> 00:06:15.100 a carrot dangled right in front of them. There's 00:06:15.100 --> 00:06:18.300 a financial stressor that presented itself. Oh, 00:06:18.439 --> 00:06:21.120 I don't have enough to meet my car note or I 00:06:21.120 --> 00:06:24.160 don't have enough for food. But there's this 00:06:24.160 --> 00:06:27.839 beautiful dangling carrot. Where all the students 00:06:27.839 --> 00:06:30.019 are talking about, oh, well, student loans isn't 00:06:30.019 --> 00:06:34.379 just for tuition, isn't just for books. It's 00:06:34.379 --> 00:06:38.019 for everything that you might need while on campus 00:06:38.019 --> 00:06:40.319 or off campus, anything that's going to help 00:06:40.319 --> 00:06:44.579 you be successful in achieving your degree. Oh, 00:06:44.879 --> 00:06:48.699 that's the wrong way to look at student loans. 00:06:49.779 --> 00:06:54.220 It becomes irresponsible borrowing. When you're 00:06:54.220 --> 00:07:00.259 putting more things on there that are now allowing 00:07:00.259 --> 00:07:04.740 for you to live a particular lifestyle that you 00:07:04.740 --> 00:07:10.519 prefer and want rather than the lifestyle that 00:07:10.519 --> 00:07:14.199 could have just satisfied or what you needed. 00:07:14.439 --> 00:07:18.759 So he talks about how this student loan stress 00:07:18.759 --> 00:07:23.410 is really impacting this age group. Not only 00:07:23.410 --> 00:07:27.850 that, but credit cards. At this age, particularly 00:07:27.850 --> 00:07:34.810 from age 18 to around 22, there are these credit 00:07:34.810 --> 00:07:37.430 card companies that are consistently sending 00:07:37.430 --> 00:07:43.290 mail offers for credit cards, 0%. And if these 00:07:43.290 --> 00:07:48.910 consumers at this young age do not fully understand 00:07:48.910 --> 00:07:53.990 credit, they're likely to really get themselves 00:07:53.990 --> 00:07:57.250 into a financial pickle pretty quickly, which 00:07:57.250 --> 00:08:01.389 will lead to undue financial stress, which could 00:08:01.389 --> 00:08:03.990 also lead to these mental health issues that 00:08:03.990 --> 00:08:09.009 he's talking about. So what's driving this crisis? 00:08:09.209 --> 00:08:13.889 Again, credit cards, student loans, and now let's 00:08:13.889 --> 00:08:18.569 talk about car loans. It's hard enough for an 00:08:18.569 --> 00:08:23.879 adult. with a fully developed brain to go in 00:08:23.879 --> 00:08:28.480 to a car dealership and feel confident and comfortable 00:08:28.480 --> 00:08:34.759 to make a deal. Oh, I know I have so many clients 00:08:34.759 --> 00:08:37.240 that just brings a lot of undue stress in and 00:08:37.240 --> 00:08:42.580 of itself. If only our 18 -year -olds, our 19 00:08:42.580 --> 00:08:46.480 -year -olds, our 20 -year -olds If only they 00:08:46.480 --> 00:08:52.419 knew all the tips and tricks of making that deal 00:08:52.419 --> 00:08:57.740 and making an honest deal where they're not taken 00:08:57.740 --> 00:09:01.120 to the cleaners and given a higher interest rate 00:09:01.120 --> 00:09:04.980 than they really needed, or they promised other 00:09:04.980 --> 00:09:07.720 things and rolled in some debt that they already 00:09:07.720 --> 00:09:11.620 had and rolled that into long -term debt for 00:09:11.620 --> 00:09:15.600 now a secure... creating or turning an unsecured 00:09:15.600 --> 00:09:18.580 debt into secured debt. If you don't understand 00:09:18.580 --> 00:09:22.840 all those terms, yeah, that's what these 18 to 00:09:22.840 --> 00:09:28.440 34 -year -olds are experiencing as well. So there's 00:09:28.440 --> 00:09:32.019 just this lack of financial knowledge, and this 00:09:32.019 --> 00:09:34.539 is what this social worker was driving home. 00:09:35.490 --> 00:09:39.009 The crisis is not the credit card. The crisis 00:09:39.009 --> 00:09:41.610 is not the car loan. The crisis is not the student 00:09:41.610 --> 00:09:45.809 loan. When used responsibly, all three of those 00:09:45.809 --> 00:09:51.990 vehicles towards independent living and freedom, 00:09:52.230 --> 00:09:55.009 financial freedom, they can be used as tools 00:09:55.009 --> 00:10:00.450 to get there. But if not used responsibly, then 00:10:00.450 --> 00:10:04.320 it leads to financial distress. So there's a 00:10:04.320 --> 00:10:08.019 difference between stress and distress. Stress 00:10:08.019 --> 00:10:11.539 is your run of the mill. Everyone knows you're 00:10:11.539 --> 00:10:15.820 going to experience those stressors. We all have 00:10:15.820 --> 00:10:18.500 financial stressors. But when we start to experience 00:10:18.500 --> 00:10:23.899 financial distress, now all of our normal coping 00:10:23.899 --> 00:10:27.500 strategies and things that have helped us to 00:10:27.500 --> 00:10:32.070 overcome consistent negative thinking or looping 00:10:32.070 --> 00:10:34.610 that causes depression where we get to actually 00:10:34.610 --> 00:10:38.509 intercept the anxiety and the looping instead 00:10:38.509 --> 00:10:42.070 of it becoming a full -fledged episode. Now we're 00:10:42.070 --> 00:10:45.210 moving towards that full -fledged episode. So 00:10:45.210 --> 00:10:47.870 those are the things that the author and this 00:10:47.870 --> 00:10:51.379 social worker were talking about. Now, here is 00:10:51.379 --> 00:10:54.600 something really interesting that I saw in this 00:10:54.600 --> 00:10:58.340 article. I love that the social worker brings 00:10:58.340 --> 00:11:02.279 to our attention that the crisis is the lack 00:11:02.279 --> 00:11:06.179 of financial knowledge. And a survey is cited, 00:11:06.340 --> 00:11:10.720 the TIAA, excuse me, let me start over. The TIAA 00:11:10.720 --> 00:11:17.379 Institute in 2023 completed a survey with Americans. 00:11:21.479 --> 00:11:26.820 Only, let's see, only certain Americans were 00:11:26.820 --> 00:11:30.600 able to answer 48 % of the survey questions. 00:11:31.720 --> 00:11:36.139 So many Americans are suffering from low financial 00:11:36.139 --> 00:11:40.759 literacy. So let me just state what they said 00:11:40.759 --> 00:11:43.559 here. I'll give the quote. On average, adults 00:11:43.559 --> 00:11:46.860 could only answer 48 % of the survey questions. 00:11:46.960 --> 00:11:53.409 What that tells me. is that simple personal financial 00:11:53.409 --> 00:12:01.269 topics could not be explained, could not be defined, 00:12:01.529 --> 00:12:05.289 and they simply could not answer the questions 00:12:05.289 --> 00:12:10.049 correctly. You know, I would expect that with 00:12:10.049 --> 00:12:15.769 investor or investment type questions, but for 00:12:15.769 --> 00:12:19.440 personal finance, boy, we would want... folks 00:12:19.440 --> 00:12:24.820 to have a firm grasp or understanding what kind 00:12:24.820 --> 00:12:29.600 of consequence is involved with a cash advance 00:12:29.600 --> 00:12:32.299 if you were to pull a cash advance on a credit 00:12:32.299 --> 00:12:36.940 card is it a monthly interest rate or is it a 00:12:36.940 --> 00:12:39.799 daily interest rate well let me go ahead and 00:12:39.799 --> 00:12:43.399 put you out of your misery it is a daily interest 00:12:43.399 --> 00:12:46.519 rate. And so that's the type of financial education 00:12:46.519 --> 00:12:48.980 that we need to provide these folks. Just because 00:12:48.980 --> 00:12:52.340 you have access to a credit card and therefore 00:12:52.340 --> 00:12:55.700 have access to an ATM where you can pull a cash 00:12:55.700 --> 00:12:59.279 advance doesn't necessarily mean it's a good 00:12:59.279 --> 00:13:04.659 idea to do that. So this knowledge gap makes 00:13:04.659 --> 00:13:08.700 every financial decision, and as the author stated, 00:13:08.960 --> 00:13:14.750 feel overwhelming. It doesn't have to be overwhelming. 00:13:14.950 --> 00:13:18.710 But there are these cognitive and affective burdens 00:13:18.710 --> 00:13:21.509 and cognitive and affective just being fancy 00:13:21.509 --> 00:13:25.129 words for thinking and feelings. So we put upon 00:13:25.129 --> 00:13:28.509 ourselves all these burdens within our thought 00:13:28.509 --> 00:13:32.669 processes and in our emotional state where we've 00:13:32.669 --> 00:13:36.850 become overburdened and no longer have the mental 00:13:36.850 --> 00:13:41.549 bandwidth to actually understand. our personal 00:13:41.549 --> 00:13:45.610 finances because we are consumed by constant 00:13:45.610 --> 00:13:49.110 worry and confusion. And so I'm sure there are 00:13:49.110 --> 00:13:51.350 folks in the audience who are thinking, wow, 00:13:51.470 --> 00:13:55.889 forget the 18 to 34 year old group. I'm 46 years 00:13:55.889 --> 00:13:58.389 old and this is actually resounding with me. 00:13:58.450 --> 00:14:01.769 I still struggle with understanding personal 00:14:01.769 --> 00:14:05.809 finances. Well, you're not alone. So one of the 00:14:05.809 --> 00:14:08.190 things this social worker stated is that preventing 00:14:08.190 --> 00:14:11.629 financial stress begins with education. And he's 00:14:11.629 --> 00:14:14.570 advocating for tailored financial literacy programs. 00:14:14.649 --> 00:14:18.809 And lucky you, especially if you are a soldier 00:14:18.809 --> 00:14:22.690 or a spouse tied to the military, an airman, 00:14:22.789 --> 00:14:26.389 a sailor, a marine, you have access to these 00:14:26.389 --> 00:14:29.649 financial literacy programs. So the military 00:14:29.649 --> 00:14:34.730 has found this well before college campuses. 00:14:34.830 --> 00:14:40.600 And it is now codified. It is. By -law training 00:14:40.600 --> 00:14:44.799 that is available, not just available, but mandated 00:14:44.799 --> 00:14:49.320 for the service members to have during each developmental 00:14:49.320 --> 00:14:55.820 financial milestone. Entering the military. Vesting 00:14:55.820 --> 00:15:00.120 and TSP or their thrift savings plan, the military's 00:15:00.120 --> 00:15:03.879 401k, but it's truly a 403b. First marriage. 00:15:04.120 --> 00:15:07.120 I shouldn't say first marriage. It's first, it's 00:15:07.120 --> 00:15:11.600 marriage and then first child. So different financial 00:15:11.600 --> 00:15:14.820 trainings for each developmental stage as these 00:15:14.820 --> 00:15:18.419 military members and family members move throughout 00:15:18.419 --> 00:15:22.629 their careers. Another thing that we want to 00:15:22.629 --> 00:15:26.649 discuss when it comes to financial stress is 00:15:26.649 --> 00:15:32.710 how we can acknowledge where we are. So it's 00:15:32.710 --> 00:15:35.289 the same principle when someone finally picks 00:15:35.289 --> 00:15:38.909 up the phone to call for a mental health appointment. 00:15:39.509 --> 00:15:44.090 It's the same process where someone picks up 00:15:44.090 --> 00:15:46.909 the phone to call for a financial appointment. 00:15:47.110 --> 00:15:50.879 And let me explain that. So usually, Someone 00:15:50.879 --> 00:15:54.620 will try their very best to learn on their own 00:15:54.620 --> 00:15:58.460 or do on their own or experiment on their own 00:15:58.460 --> 00:16:04.860 ad nauseum before introducing a complete stranger 00:16:04.860 --> 00:16:09.409 into their life to help them. So usually what 00:16:09.409 --> 00:16:13.330 happens is by the time they really needed help, 00:16:13.429 --> 00:16:17.330 a full year or two years have gone by before 00:16:17.330 --> 00:16:20.769 they actually set foot in your office. And this 00:16:20.769 --> 00:16:24.149 is something good to know as a parent or an onlooker 00:16:24.149 --> 00:16:27.190 who wants to help folks with their personal finances. 00:16:27.730 --> 00:16:30.730 They're not coming in until all of their coping 00:16:30.730 --> 00:16:34.409 strategies have completely failed them. But we 00:16:34.409 --> 00:16:37.820 want to get you in. Before that happens, we want 00:16:37.820 --> 00:16:41.820 you to talk to someone on campus or someone at 00:16:41.820 --> 00:16:44.720 your installation, whether it's a military family 00:16:44.720 --> 00:16:47.360 life counselor or someone like me, a financial 00:16:47.360 --> 00:16:51.879 readiness program manager who can help you. untangle 00:16:51.879 --> 00:16:54.840 all of that confusion that is surrounding your 00:16:54.840 --> 00:16:57.779 finances so that you can actually start doing 00:16:57.779 --> 00:17:00.340 something different. And if you don't have access 00:17:00.340 --> 00:17:05.180 to someone like me, many banks provide free financial 00:17:05.180 --> 00:17:09.589 education. Now, sure, banks will want to sell 00:17:09.589 --> 00:17:12.289 you some of their products, but you just keep 00:17:12.289 --> 00:17:14.410 gently reminding them that, hey, you're just 00:17:14.410 --> 00:17:16.910 here for the free education. You want to learn 00:17:16.910 --> 00:17:19.609 how to safely and responsibly use a credit card. 00:17:19.750 --> 00:17:22.690 You want to learn how to safely and responsibly 00:17:22.690 --> 00:17:25.430 purchase a car and not be taken to the cleaners. 00:17:25.569 --> 00:17:29.210 And you want to learn how to safely and responsibly 00:17:29.210 --> 00:17:33.250 apply for a student loan and what to put on. 00:17:33.609 --> 00:17:38.349 a student loan. Even your cashiers at the college 00:17:38.349 --> 00:17:41.450 campus can help you with that information as 00:17:41.450 --> 00:17:45.730 well. So acknowledge that the debt is there, 00:17:45.829 --> 00:17:49.069 acknowledge that there's an issue, and then seek 00:17:49.069 --> 00:17:53.559 the help. seeking help as the author states is 00:17:53.559 --> 00:17:56.880 not a sign of weakness. And I've been saying 00:17:56.880 --> 00:18:01.079 that in all of these episodes. So let's continue 00:18:01.079 --> 00:18:03.319 to help each other and make sure we're doing 00:18:03.319 --> 00:18:09.119 that. So moving forward to the next topic. Financial 00:18:09.119 --> 00:18:12.720 stressors. Why is this important? Why do we help 00:18:12.720 --> 00:18:15.519 each other with understanding finances? What 00:18:15.519 --> 00:18:17.940 does financial literacy have to do with mental 00:18:17.940 --> 00:18:19.940 health? Well, we kind of talked about it just 00:18:19.940 --> 00:18:24.319 a little bit from that article. But once financial 00:18:24.319 --> 00:18:28.759 stress reaches a state of financial distress, 00:18:29.119 --> 00:18:33.359 there are other powers at play. And there are 00:18:33.359 --> 00:18:38.279 other things that start to fester. That can turn 00:18:38.279 --> 00:18:44.579 into a mental health crisis so much so to where 00:18:44.579 --> 00:18:47.400 someone starts having thoughts of suicide or 00:18:47.400 --> 00:18:52.819 what we call suicidal ideation. And what these 00:18:52.819 --> 00:18:57.019 epidemiologists at the Defense Suicide Prevention 00:18:57.019 --> 00:19:01.220 Office found is that the service member suicide 00:19:01.220 --> 00:19:05.789 rates. And the U .S. population rates for this 00:19:05.789 --> 00:19:07.369 period of time that we're going to be talking 00:19:07.369 --> 00:19:12.230 about are pretty similar. And that makes sense 00:19:12.230 --> 00:19:17.630 because the military is just a subgroup or sampling 00:19:17.630 --> 00:19:22.450 of the larger population, right? So it makes 00:19:22.450 --> 00:19:24.650 sense that a lot of the things that were found 00:19:24.650 --> 00:19:28.089 in this military study as it pertains to financial 00:19:28.089 --> 00:19:31.990 stressors. It impacts us all, whether we're wearing 00:19:31.990 --> 00:19:37.910 a uniform or not. So the next one is from 2011 00:19:37.910 --> 00:19:43.970 to 2023, active component rates show a clear 00:19:43.970 --> 00:19:49.029 upward trend. So this is interesting because 00:19:49.029 --> 00:19:52.109 the next couple of statistics that I'm going 00:19:52.109 --> 00:19:58.089 to give to you clearly show an increase in suicide. 00:19:59.339 --> 00:20:01.559 And in the next episode, we're going to talk 00:20:01.559 --> 00:20:05.920 about what percentage were having issues with 00:20:05.920 --> 00:20:11.000 finances before the completion. So here's another 00:20:11.000 --> 00:20:16.380 stat for you. In 2023, total service member suicides 00:20:16.380 --> 00:20:25.440 rose from 523 from 493 in 2022. And here's another 00:20:25.440 --> 00:20:28.460 statistic. Active component suicides increased 00:20:28.460 --> 00:20:35.579 from 331 to 363 with a rate jump from 25 .1 to 00:20:35.579 --> 00:20:42.960 28 .2 per 100 ,000. And reservist suicide rates 00:20:42.960 --> 00:20:47.220 edged up as well. And here's another statistic. 00:20:47.400 --> 00:20:52.700 Military family member suicide rates have also 00:20:52.700 --> 00:21:00.950 increased. from 2011 to 2022. So again, these 00:21:00.950 --> 00:21:06.009 are stats or points of evidence that remind us 00:21:06.009 --> 00:21:10.589 when we experience a financial stressor, let's 00:21:10.589 --> 00:21:13.369 take it seriously. If we see a child struggling 00:21:13.369 --> 00:21:15.809 with it, if we see a parent struggling with it, 00:21:15.890 --> 00:21:20.589 if we see a co -worker struggling with it, let's 00:21:20.589 --> 00:21:25.289 help them find the resource. so that they do 00:21:25.289 --> 00:21:29.970 not end up being a statistic themselves. I know 00:21:29.970 --> 00:21:32.650 this is a somber month and wait till next month. 00:21:32.750 --> 00:21:35.670 It's even more somber, but it's information that 00:21:35.670 --> 00:21:38.970 we need to know and absorb so that we can help 00:21:38.970 --> 00:21:41.750 ourselves, so that we can help the people that 00:21:41.750 --> 00:21:45.509 we love and work with. And if you found this 00:21:45.509 --> 00:21:48.829 podcast episode helpful, please rate and review 00:21:48.829 --> 00:21:51.750 us wherever you listen. I look forward to providing 00:21:51.750 --> 00:21:54.829 you further information. on financial stress 00:21:54.829 --> 00:21:58.450 and suicide risk, but also the protective factors 00:21:58.450 --> 00:21:59.589 that can assist.