Personal finance practice problem using Excel. Life insurance using personal financial statements, part number six, mortgage calculation. Prepare to get financially fit by practicing personal finance. Here we are in our Excel worksheet. If you don't have access to it, that's okay because we basically built this from a blank sheet in prior presentations and we're continuing on with it now. But if you do have access, three tabs down below. Example, practice and blank. Example tab, an essence being an answer key. Let's take a look at it now. Information on the left-hand side, calculations on the right. We started out putting together the personal financial statements, balance sheet, income statement, two formats of the income statement on an accrual, an essence, or cash basis method. We looked at methods one and two for calculating the life insurance based on that information. Now we're gonna add another component and that's gonna be the loan amortization table so that we can then use all of those components to get to some more nuanced type of calculations, breaking out the life insurance needs that we might have on a year by year basis, possibly looking into life insurance that has kind of a declining death benefit, for example, as we get closer and closer later on in life in accordance with these calculations. So here we're gonna focus in on the annuity calculation which you may be able to get from your financial institution or you might be able to do an online calculator to do it and there's many out there, I'm not advertising any one of them, so but here's an example of one of them. However, I would use these as more of a tool to help us in our worksheet because I'd like to get the information into the worksheet for a couple different reasons. One is that I would like to break this information down into a year by year calculation instead of a month by month calculation and two, if I was to change anything for estimates, I could change this on the left-hand side with just changing the data and we can tie this information number three into our other kind of calculations that we're making for the life insurance more easily looking and using formulas. So that's what we'll do here. The second tab is the practice tab. It has a pre-formatted worksheet so you can work through the practice problem with less Excel formatting. The third tab, a blank tab which we will do the Excel formatting in. So I'm gonna go all the way to the right to add some more space. I wanna have a small double A and that's gonna be where we're gonna start our information. I'm gonna put my cursor on the skinny W so that we can copy it, format a home tab, format painter, take in the paint brush and make it a skinny double A, skinny double A and then we're gonna say that let's just reformat the information over here. So I'm gonna say when you gotta need the loan amount, the rate, the years and then the payments which I'm just gonna pull from our data set on the left using formulas. So we have it right next to our data that we are working in to build our tables. Now note, obviously you might have some years that have passed within the loan when you're trying to do in your life insurance calculation. So you might try to take your loan balance for example and start from that point forward to kind of construct say your amortization table from there using the online tools and possibly the table provided by your loan institution, financial institution to help you with your calculations or give you double check on the calculation. So I'm gonna imagine we have a loan currently on the books. I'm gonna say this equals, I'm gonna go all the way to the left to pull it from my data set. If you don't have the data set you can obviously just build the loan from scratch and we're gonna go down here and I said we had a loan on the books. It's actually from the balance sheet. Let's pull it from the balance sheet. We said it was on the books here, the mortgage of 150,000. We've got the rate it's gonna be equal to. I'm gonna go all the way to the left and scroll down to the bottom. I said the rate was down here somewhere. There's the inflation rate. Mortgage rate is 6% we're gonna say, enter. I'm gonna say that that is gonna be a percent. We need to percentize that. So home tab, number, percentify it. Now obviously if you have an adjustable mortgage or something like that, it could be a little bit more complex if a calculation were assuming a fixed rate mortgage. The number of years, I'm gonna say equals and I put that on the data somewhere on the left, scrolling down to the data. We said it was a 20 years left on the mortgage. I'm gonna say enter. If you don't have the data you can just compile your data over here. And then the payments. I'm gonna recalculate the payments. This is one way you can kind of double check yourself. So if you have this information proper up top then you can recalculate the payment. And if that ties into what your payment is that it actually is, you can kind of double check it if you already have like the mortgage set up and you're like 10 years into a 20 year mortgage or something like that. So I'm gonna do that by saying negative PMT. There's our payment calculation. Double click on the payment calculation or say shift nine. We want the rate, which is the 6%. So I'm gonna click on the 6% but that's the yearly rate. And we want the monthly rate. So I'm gonna divide it by 12. Comma, the number of periods we're gonna say is 20, 20 years remaining. But that is in years and we want it in months. So we're gonna times 12. Comma. And then the present value is the current loan amount which is the 150,000 and enter. That gives us the 1,075 about it's rounded. We can double check that with the online calculator if we wanted to. I could say online calculator, 150,000. We've got the 20 year. We're gonna say 6% at the rate. Run it online calculator. We got it at the 174.65. I can make the amortization table for example. And there we have it. But the amortization table is broken out by year. And I can't as easily work it into my worksheet. So I still think it would be better to use this as a double checking tool as opposed to not doing it in Excel, right? So I'm gonna do it in Excel. So now we're gonna create the amortization table in Excel and then we'll break it out on a year-by-year calculation using pivot tables and formulas so that we can use that for our more complex life insurance calculation, possibly a declining term life insurance. It's gonna be great. So I'm gonna select these four first or whatever the four. I don't know, there's more than four. But I'm gonna go to the home tab, font group, border and blue ties those drop down. If you don't have that blue, it's down here. More colors, standard, blue. There it is. And then I'm gonna make a skinny AD by going to the, this one, I'm gonna say home tab, format painter and then AD add. And then the next one. So we're gonna say this is gonna be our headers. I'm gonna start one cell down on the headers because I'm gonna have a couple headers that need two cells. So I'm gonna say year, month, payment. I'm doing this quickly because we have seen this in the past, but I think it's useful. It's a useful tool. These amortization tables, great practice. Interest. And then here's where I'm gonna have two lines, loan, decrease. Now notice I didn't wrap the text. I could put that on one cell and then go to the home tab alignment and wrap the text. But I don't like to do that unless I'm gonna make a table out of it, which we will do. I'll make a pivot table, but I could still make the pivot table without it. I don't like doing it because it makes everything else messed up or widens the row for everyone else. And I don't, why mess everyone else up just for that one column name. It's not fair to the whole column, everyone else that has to use that column. You see what I'm saying? So I don't like doing that. So I'm gonna do this one too and then I'm gonna select this whole thing and we'll make that our header row. Home tab font group, we'll say it's gonna be black and white and I'm gonna center it. So there we go. That looks good. And then I'm gonna select these two and make them a little bit more skinny, skinny them up to those two, put in my cursor in between them, skinny those up. There we go. And then we got 20 years. So if I say 20 times 12, that's 240 periods that we need. So I'm gonna say, we're gonna start at the period zero, one, two, I need 240 of them. I'm gonna select three of them, put my cursor on the fill handle and I'm just gonna grab that fill handle, make sure I got a good grip, a good grip on it, cause I'm going down to 240 periods, 240, just driving it down there with the fill handle, 240, 240 right there. That's where we need it. Center it, alignment and center. That looks good. And then I'm gonna do the year by year calculation with a little bit of a fancy, little fancy trick here. I'm gonna say it's gonna be equals round up, round up. And I'm gonna say I wanna take round up function and I'm gonna take the number of the month and I'm gonna divide it by 12, 12 months in a year. So as long as that's above zero, it'll round everything in the first 12 months up to one is the idea. If we can get it to round to the right digit, which I gotta do by saying comma, which digit is it? You gotta say it's negative 0.1. That tells Excel that you're rounding it to a whole number. So I'm gonna say brackets and enter. Let's double check it by saying there's no decimals on it. That looks good. And then I'm just gonna double click on the fill handle and that should take it all the way down. Let's see if it does what we want. So now I've got one for month one, one year one, year one, year one, and then year two on 13. That looks like it's doing what we want. Year two for 13. This is important for like pivot tables and other types of tables because you wanna have a populated cell on each one of them to have it properly formatted in case you didn't know that. So I'm gonna scroll up top. Now you know it. That's what I'm here for. That's what I do. I tell people stuff they need to know and stuff they don't need to know. Plus possibly most stuff they don't need to know but still some stuff that's useful. Alignment, I'm gonna center this whole thing and then we're gonna go to the loan balance and let's pull over the loan balance of the 150,000 on period zero. Payment calculation is always gonna be the same 1,075 all the way down. So I'm gonna say this will be equal to the 1,075. That's rounded by the way. I don't want it to move when I copy it down. So I need to make that an absolute reference or a mixed reference, but an absolute is easier. So F4 on the keyboard, dollar sign before the AC, a dollar sign before the four and enter. And then the interest calculation is simply gonna be equal to the 150,000 times the rate which is 6%, but that's a yearly rate and we're just talking about a month right here on the interest.  It's really that divided by 12. So that's gonna give us the 750. So if we're paying 1,075 equals 1,075 and 750 is going out the door. It's going to interest. We're not gonna see that again. It's not decreasing our principal. It's just the rent in essence, the interest. That gives us the 325.  There it is. Let's do one more just for the fun of it. One more time. The payment is gonna remain the same, 1,075. I want to be able to copy that down. So I'm gonna say F4 in the keyboard, dollar sign before the AC and the four tab. Interest is now calculated at the 149, 675. Now a new number, therefore we're gonna get new interest calculation times the 6%, but that's a yearly calculation. And also note that that is outside of our table here. And therefore I need to make it an absolute reference. So when I copy it down, it doesn't move down. I'm gonna select F4 on the keyboard, dollar sign before the AC and the two. And then I'm gonna divide it by 12, which I can hard code because 12, there's always 12 months in a year. It's not gonna change. I can hard code otherwise just type it in. Otherwise no one has just type it in. So then I'm gonna say this equals to 175 minus the 748. That gives us a decrease in the loan balance of the 326. And then the new loan balance is the prior loan balance to 149, 675 minus the 326, giving us the 149, 349. Let's select those four and see if we can just copy that down as easy as possible. And the easy way to do it is I can just double click the fill handle button. I'm not even calling it a handle now.  And then if it brings us down to zero at the end of the day or at the end of 240 days or at the end of 20 years, then that's an indication that we have done things properly. And so you can see that I have an indication that I've done things properly here. So then I'm gonna select this whole thing because it's zero. And we just clarified that that's an indication that things are done properly. I'm gonna take this whole thing and then I'm gonna make it blue and bordered. We're gonna go to the home tab, font group, border and blue ties it. If you don't have that blue, by the way, it's over here in the more colors, standard that blue right there. That's the one I use. You don't have to use that blue. You can use whatever makes you happy.  Gotta be a team player. Anyways, this is my life insurance. I'll make it whatever is my mortgage loan calculation. I could do it the way I want to do it. So this is gonna be, so you can use this as kind of like a double check on this side. So we got the 149.675. 149.675 on the first payment. So then we're gonna break this down on a year by year payment because that will probably be more useful when we're trying to figure out it with relation to our life insurance. I might wanna say, hey, can I set up my life insurance so that it ties to the ending balance, the liability possibly as time passes. And so we might wanna use something like that. So to do that, I wanna break this out and say, well, where am I standing at the end of each year? Not the end of each month. Okay, so I'm gonna do that with a formula basis and then we'll use the pivot tables to do the same stuff. I'm gonna select the skinny column over here because I want a skinny AK, AK, the skinny AK, which stands for that column, AK, the column.  And then I'm gonna select these cells, copy them, put them in AL, OW, good ol' OW. It's good to see you, OW. And then we're gonna, I'm gonna delete the month, the AM, because I don't like waking up in the AM. So I'm gonna right click and then delete that. So there. But now I got another AM. AM doesn't go away still. I tried to get rid of it, but no, it's still there. So then I'm gonna select these two. Let's take the years and make that a little bit skinnier.  So we could start at zero, zero, one, two, down to 20. Selecting those three, taking the fill handle, grabbing it, grabbing it, getting a grip on it and going down to 20, 20 years. And then we'll center that alignment and center, boom. And then the balance, the balance we need up top, I'll start at period zero. Loan balance is simply that 150. And then the payments will start at period number one. So what I'd like to do is use an IFS function and I want it to sum up everything that's in year one, which is gonna be these 12, eight, 90, which is fairly easy to calculate because that one, of course, the payments are the same, but the interest is different. So that's why you could see this is important. This is important. So I'll do it first. Let's do the payments first. Equals the IFS, and you can use the IF function, IF, wait a second, wait a second. We wanna say this equals the sum IF. Okay, that's what I'm looking for. And there's two of them. There's the regular one, but the one with the S, I think it's the newest one. You can use either one, but I think this is probably the newer and more improved one. So it looks more like the other one. So anyway, another one, just like the other one. Sum range, so the sum range is gonna be this one. I'm just gonna select the entire range because there's nothing underneath it. So I'll just pick up the whole thing, and then I'm gonna say comma, and then the criteria range is this one because everything with a one is the one that we wanna sum up the stuff and the sum range. So I'm just gonna select the whole AE column, and then comma, the criteria is this one. So in other words, we're saying, hey, look, if you see that one in the criteria range, then I want you to sum up not the criteria range, but the sum range. That's how, that's what we're saying to Excel, but we're saying it like in Excel ease. That's like the Excel language, so they can understand it. Let's do it a couple more times, and then we'll try to format it so we can copy it across and down. This equals the sum ifs, sum ifs. Let me tell you the, when you sum Excel, so you know sum range, the sum range is gonna be now the interest column. I'm just gonna select the whole column, and then criteria, you wanna sum that, but only Excel, only if the criteria range here is this one. So you gotta like look at the criteria and then match it to the criteria, which is the next comma, which is this one. So if you see that one in the criteria range, then you wanna sum up the other range known as the sum range, the related sum range. And enter, let's do it one more time. We're gonna say this equals the sum ifs with an s brackets. This time the sum range is now the loan decrease and the ai column comma, the criteria range remains the same. And then comma, the criteria is once again one. And enter, so there we have it. So now I'm gonna delete those three cause the last one's a little bit different, but I'm gonna delete those two and I'm gonna try to make this first one so I can copy it both down and across using fanciness. So I'm gonna double click on it and say, okay, for this first one, the sum range, that's this one, I want that to move to the right. When we go to the right, and it should be okay to copy it down because I made the whole column, which isn't like exactly the most proper thing to do, but I think it'll work here because there's nothing underneath it. Criteria range is gonna be this one. Now this one, I don't want it to move when I move right. So I'm just gonna say F4, make it an absolute reference on the whole thing, dollar sign before the first part and the second part. And so that's good. And then this one, the criteria, I want it to move down like it normally would, but I don't want it to move to the right when I copy it to the right. So that's the letters, not the numbers. I want the numbers to change, but not the letters. So AL, AL, you gotta stick to AL. AL's a good guy. You've gotta make sure that that one I'm gonna put a dollar sign so you don't leave AL and go to the AM because then you gotta wake up early if you go to column AM and we don't like doing that. So we're gonna keep it there. And so then that's a mixed reference, by the way, and then enter. And then I'll put my cursor on it and I'll go to the fill handle and drag it to the right and see if it does what we think it should do. And I think it did do what we think it should do, right? That looks right. And then I'll select these three and click the fill handle button, double click on it, I should say, and it brings it on down, bring it on down to 20 years. How come isn't it, shouldn't it? And then, yeah, that's right. So then, so obviously this interest now, like we could check it, like if I add up these interests, there it is. And that comes out to the 8891, that looks good. This number should be the loan decrease for the years one, everything with a one in it. And that comes to the 4005, that's good. Now the loan balance needs to be the minimum. So this is a little different, but it's similar. Equal sum ifs, I'm sorry, it's the men, men if. I want you to take the smallest number, ifs. And you only have the one with an S, not the other one this time. And so the men range is gonna be this one. I want you to take the smallest number in that range, Excel is what I'm telling you, comma, but that's the men range, but the criteria range, you're gonna do it only if, looking at the criteria range, there's the criteria, and you find in that criteria range, the criteria, comma, which is that number one. So if you find that number one, the criteria in the criteria range over here, then you sum, not that range, not summing, then you find the smallest number not in that range, but in the men range, which for year one should be this last one down here, the 145.995. So hopefully I said that right and didn't confuse anyone. So then I'm gonna double click on the fill handle button and bring that on down, bring it on down. And at the end of the day, or at the end of 20 years, it should be zeros, 240 days I think is what it was. So the total, then if I sum up the bottom line, we're at the bottom line, sum it up. Why are you giving me all this crap? Why don't you just give me the bottom line, okay? Because that's too general. You need more than the bottom line I'm telling you. People always just want the bottom line. I'm gonna take this one and drag it to cross. You can't make a decision just on the bottom line all the time, I gotta tell you. I hate to say it, people lie about the bottom line because you don't look at the stuff that was above the bottom line. And then you don't know if the bottom line was even right, right? And then you're making decisions on the wrong bottom line. Any case, I'm gonna select this whole thing, home tab, font group, and we'll put a border and blue around it. So there we got it. Now then we can do the same thing with a pivot table and that's even easier, but I can't use these two headers. So I'm gonna select the whole table with just the one header column and then I'm gonna go all the way down to the 20 years. Now just throwing a pivot table, no problem. I go to the insert tab and I just say pivot table right there. I just wanna throw at it. What happened? That's the recommended pivot table. I wanna go just to a normal pivot table. I'm gonna hit the button, not the dropdown. And then I'm gonna go to the existing worksheet. I'm just gonna put it into the existing worksheet. It says which cell do you wanna put it in? That's what Excel is asking, that's the location. I'm gonna say it's that cell, Excel, that cell, Excel. And I just say okay and boom, pivot table. So I'm gonna add the years. That's, it's gonna go into the values because it has a value in it. I need to drag that over to the rows because I got 10 years on the left now.  And it defaults to summing it up just like we saw up top. So that's correct for everything except the last one where I wanna take the men thing and it's got this ugly formatting, the general formatting that we'll fix right here by just going to the dropdown. I'm gonna do this fast as we've seen it before, but I'll try not to go too fast. We're gonna go to the value and then it says sum, I'm gonna go to the number formatting, currency, bracketed numbers, no dollar sign, decimal, down, down, okay, okay. That was too fast, okay, I'll do it again. This time for the sum of the interest, we're gonna hit the second one, drop down, value field settings, it's on the sum, that's right, number, format, currency, bracketed numbers, dollar sign, gone, decimal, down, down, okay, okay. That was still too fast, okay, we'll do it again. This time, just so, because I went too fast last time on the third column, drop down, field value setting, number, format, currency, brackets, dollar sign, gone, decimal, down, down, okay, okay. All right, I think I got it that time. Well, this one's gonna change here. What? It's gonna change just a little, it's a little different for this last one because it's defaulting to the sum and we wanna make it the min this time as you recall from our calculations up top. So then the rest is the same, I guess that's okay then. Currency, brackets, dollar sign, gone, decimal, down, down, okay, okay. So there we have it and this should mirror basically what we did before up top. Another way you can do it, I'm gonna select these from AL, from AL to app, AL to app and make them a little skinnier. So now we've got this table which can help us with our calculations on the life insurance now because we can say, okay, maybe I wanna tie my life insurance to the loan balance and maybe I wanna think about how I can get life insurance that might have a decreasing death benefit as I live longer because I'm hoping that I pay off my loan and therefore if I was to tie that I could leave my whoever's dependent upon me with enough money to pay off the loan and possibly get a more affordable life insurance policy by having a premium that basically decreases over time and we can work that into the calculation. We might also kinda consider obviously what the cash flow is. So when you're thinking about the life insurance we might first think, hey look, I wanna just have enough cash flow to be paying off the life insurance for example, I mean paying off the loan in the same way it is structured over the life of the loan. That's one way we can kinda think of it. Or we might say, hey look, I would like to structure my life insurance in such a way where they can basically pay off, for example, the mortgage and try to think about what the ending balance would be as part of the life insurance calculation. So in future presentations we'll get into a bit more nuanced calculation for the life insurance and try to figure out what the cash flows are on a year by year basis and possibly think about more complex life insurance kind of structures where we can maybe have a declining balance and think about whether or not we can have life insurance that has a declining balance as we live longer given the fact that hopefully we'll have less liability over that time and less need for a cash flow for the people dependent upon us for our current cash flow.


Hello. Welcome to Sunday Morning Coffee on Above Live Channel. Hi. Nice to see you today. We are pre-gaming the eclipse this morning. There's a lunar eclipse tomorrow on April 8th. It also happens to be my youngest child's birthday. And here in central standard time it will be at I think like 120, something like that. So tomorrow on Above Live Channel on April 8th, Monday we are going to do a noon central time. So we're going to tailgate the eclipse. So this is the pre-game for the eclipse. It's the pre-game show.  The eclipse has been as warned by many astrologers, tumultuous to say the least, with mercury retrograde also impacting us. What does that mean? Our communications have been upside down and inside out and misinformed and people are in crabby moods.  So I have been laying low this week as far as human people go. But in the spiritual realm, let me just tell you I have been so psychic.  Like every morning I'm sitting on the couch and I'm channeling in a different way. I'm writing. I'm having a conversation and I'm just writing it down. And then I'm asking questions and I'm connecting through my ancestors. You guys heard me on above life channel talk about this on one of the Monday videos, right? About the ancestor thing and how everybody's like connecting to their ancestors. I'm not talking family human family. I'm talking spirit family like centuries ago and all the different cool lineages you have and all the things you're attracted to that are connected to. That are connected to past lives. Well those are connected also to spiritual guidance from ancestral energies that are spirit guides that are helping us for a reason because we are them and they are us and we are connected. So you know you heard me talking about that, right? Well since that happened a couple of weeks ago at the very end of March I started doing a mentoring sort of a program. I don't know how to describe it. It's a beautiful, very intimate program I'm in for the next six months. And to support me and my healing, right? And what's happening is whoa! Super clairvoyant, massive seer. All the stuff that I started off this journey with is like amplified. I'm like oh I'm going to need glasses for my third eye. I've had like ocular migraines this week. I've had circuitry energy with my heart racing. Like today I've had like four different incidences where my heart's like way too fast. It's way too fast. And so I can't calm down though because it's so exciting. We're going to talk about initiation today on our Sunday morning coffee podcast. We're going to talk about what that means. And we've all been in it the last week when energy affects us because you and I, we talked about this. We're empaths. I am devoted and dedicated as 2024 is the year of the empath. I am really in service to sharing this journey with you and helping you understand how all these psychic things, these energy things, these vibes, whatever you want to call them, okay? I don't care what you call them. You can call it tomato, tomato, whatever. It's affecting and impact, impacting you. And I want to help you be able to work with the energy in a way that's healthy for you and healing for you.  And it more has been on the internal side for me personally than the external. Now for many of you, it could be external arguments, falling out with friends or just feeling not connected like people don't get you. Yeah, I've been in that space too. And it's, it can be hard to handle. It can kind of feel lonely. You can kind of feel annoyed. I've had a lot of past memories come up in this lifetime. Just memories where I'm kind of like, I'm going to say sentimental about stuff that is a little bit odd to be sentimental about. Let me just say I'm remembering things and I'm seeing and experiencing them through my memory in a different way that is so healing, freaking transformative. Okay. So being initiated, connecting with energy that seems challenging like with this Eclipse stuff. It's really all about the perspective of what you can pull from it. You know what I mean? It's like broccoli. Okay. I love broccoli. Like broccoli is my favorite veggie because it looks like little trees. It's so cute. But I like fresh broccoli, not the frozen corn. I want the fresh broccoli that I can cook for myself. Right. So it can be al dente, perfect, right? That's like broccoli. You get broccoli. It looks so cute and cool and looks like little flower. You can hold it like a bride or something.  Like I'm not eating that thing. I'm not eating that big chunky stem thing. So that's what we're like right now. This energy, this initiation that we're in, these vibes that were impacted by, it's like broccoli. Don't eat the stem. You don't like the stem. You don't eat the stem. Some people like the stem. It's perspective about what's up. My energy is high right now. That's hard for you. You might not want to, might not want to listen to this one right now. I could be so triggering to, especially imagine if somebody's here for the first time. Hey, nice to meet you. If you're just finding this random chick talking. That is okay. Just to hang out for a while. This is a podcast that I do every week Sunday morning coffee where I take an intuitive topic and we chat about it. Stuff that's showing up in the field. I work with empaths and people who are intuitive or in tune or on a healing path or journey, a desire to evolve and grow, to work with the energy of that beautiful bold heart that you have in tandem with your spirit, working together. The beautiful partnership of your heart and your soul. And so would you say I'm a psychic? Yes. I am. How am I psychic? I'm a seer. I'm very clairvoyant. I'm also very claircentient. I'm an empath and I am proud of it. I'm proud of it. I mean, I had open heart surgery for goodness sakes last year. And in part was because I was had so much pain. I was had so much stress that it literally eroded the inside of my heart space. Actually the, the artery behind the heart, which does all the work to every part of the body. Yeah. So I am legit heart based, super hard to wear in the physical and the metaphysical. I work with energy and a lot of different levels. I actually, you guys are going to be able to watch here on the playlists at above live channel. I'm adding some new ones where I share my life resume. We'll talk about that at another podcast or another Monday video maybe where I just literally list all the different things that I've had certifications in workshops in all that kind of stuff. And you guys will be like, what? I'm like, I know. I know. So I'm legit. I'm not like just some chick with a card deck or something, you know, not that that's a bad thing at all. I mean, hey, DIY, do your own stuff and totally encouraging of that. Go for it. Do it. Please do. Please, please get to know yourself. Please, please get to know your team, right? Because then when you're initiated, you're moving through some hurdles and some challenges, you got your own support system. That's the whole freaking point here is to empower you not to give your power away to whoever, to the patriarchy, the matriarchy, the people that say they're a life coach, people that say they can fix your life in four simple steps or make you rich. Like that's not how it works. Okay. That's not how it works. It works through energy flow and alignment. And if you can't find your way to the word of receive and be able to receive support, then maybe you can just accept it as a fact. Here's your support. Fact. Here's your intuition. You are intuitive fact. And if you can't receive messages or information, just accept them. It's like accepting a package. Just accept it. Accept it. You don't have to receive it and just accept it. Just let it be what it is. I need to shut this window. I am cold here. This is like, oh, there we go.  All right. Good morning to you. I actually have rocks in my pockets trying to stay grounded because I have not been grounded most of this week. What rocks do you have in your pockets as you're going through your initiations? All right. You're asking me this question. I know it. I know you want to know. Red jasper right now. I cannot use hematite because I have magnetic hematite. That's the silvery rocks, you know, that stick together. I love them. My kids love them too. The dad, I love them. I love them. I love them. I love them. I love them upstairs on the counter in the kitchen and we everybody plays with them. They're very grounding. They're playing with them. They're grounding energy. But they're super electric. I can't have that circuitry right now because I'm having too many heart bubble-ups, too many heart racing situations right now. I have to do this. Red jasper. and then I also have a hematite ring on my finger. So I have lots of grounding support from the natural elements, which does work. Oh, nice. And of course, I have coffee to share with you, my friends. Hello. Cheers. Sunday morning coffee. Did you see my picture on the community tab of the channel of above-life channel? First thing this morning, I'm like, gotta get ready for my Sunday morning coffee.  Me, literally, this is what I, that's what I look like when I wake up and I do my thing, wash my face, put my patches on this morning. I only put the patches on every other day because I don't need them every day, but today I need a little puffy eyes. Thank you to my sweet psychic friend in Texas, who you can find. She has a Facebook page called Reveal Your Radiance and she is a very good psychic and she does cards and I've known her for multiple years and I adore her and she's one of my besties. So cheers to you, my friend. Thank you for turning me on to those patches. I should get older and puffier. It's like a thing, you know. So we'll talk about initiation. So initiation. So you guys, I have to tell you, oh my goodness, I've been so initiated this week. Like I literally spent so much time sitting on the couch, writing, connecting with my ancestors and getting literal oracle messages. I'm like, I didn't actually ask for that. But since Easter, it started, I think, I think the first message started on Easter, actually. I'll have to go back, but don't, no worries, no worries. They're short and I recorded them on an audio also because they're kind of puzzly like, you know, some of them are kind of, I'm not rhyming, but like, what does that mean, mysterious? They're not direct. Anytime you do oracle or kind of vibes kind of thing like that, like, and you're speaking to the, into the abyss almost. Well, it's actually my, it's my ancestors who are connected to the oracles. Surprise. Who are seers? Oh, shocker. Hello, seboos. Yes. Hey, girl. Hey, don't fight. Yeah. This is why I call my higher self blue priestess. If you want a little background, hello. I've been doing that for years. That's like my personal little name for my higher self. And oh, oh, by the way, okay, sidetrack, because that's what we do when we're chatting on our coffee, like our podcast. That's what we do a chat, right? Sidetrack. Do you like the new logo? Super simple. I went through like seven different iterations of them and finally landed on something so simple and basic. I'm like, this perfect. And my color palette, of course, it's blue. Of course, that is true blue. Archangel, Michael vibes, oracle vibes, third eye vibes. Of course, it's blue. It's beautiful. Isn't it beautiful? You will see some reds and some kind of earth tones when you check out my website. It's super basic, simple, very simple. But you'll see some reds because of grounding energy. Got to ground that third eye vibe. And right now I'm in this beautiful state and my own personal healing program because you constantly evolve, right? You constantly get assistance in your own healing journey. You should anyway. In fact, if you're going to hire a coach, like a life coach or a psychic, ask them what they're doing right now. Ask them who are you following for your personal life stuff, not your business, your personal life. Who are you going to right now? What are you learning about? What are you leveling up about? What is showing up in your life path that you're working on? I'm just really curious about that. It's a wisdom journey, right? And so I'm in that state and I'm so blessed to have such a dear friend of mine who is who I've known since 2012. Might be 2011. I think it's 2012. And she is the curator of this incredibly beautiful energy program that I'm in this program. And it's very earthy connecting to the earth energies, which I need for my heart healing for my physical body and for my metaphysical body.  And I was like, oh my God, I'm so psychic. So I did write, I like I said, I recorded the Oracle stuff. And I am not sure how I'm going to share it, because I don't know if it's a teaching thing, like I need to be doing it with mentoring clients, people in a small group have like listened to that listen to it and then talk about it, or I'm not really sure how I'm going to do it. But because I need to do it also responsibly, because part of what came in right away, I mean, a lot of it is current events stuff, I'm just going to say it. And I don't want to be that person that's doing like predictions or anything like that. I don't want to get into that. Because that to me feels like a huge responsibility. And something that I had best be really damn good at and super confident about to be sharing that stuff, right? So the first couple I just wrote down, and then I shared it with my friend, one of my one of my two super psychic besties in Texas, actually, my reveal your radiance on Facebook friend. She I shared it, I shared the first couple with her. And she was like, Oh, my, she's like, this sounds exactly like. And then we had this whole conversation about it. I'm not going to share a lot of it with you, but because it's too deep, it's way too deep. It's deep stuff. I'm like, well, the first two days when I did it, I was exhausted later in the day. At first it was fine. I was like, no big deal. It's not hard to do. It's so freaking, I told her, I kept saying, it is this is so easy. As the days went on, and I kept doing it. I said, this is so easy. What, what should we ask? Let me just ask. And they'll just tell me, Oh, my gosh. But they speak in like, like poetic. It's not direct at all. It's very poetic. It's very like old school, which you would expect because they're like ancient, you know, and so to interpret it too. And some of the messages are parts of things. So like, this is this has to do with this that's happening currently. This has to do with this that's happening currently. This has to do with this, you know, kind of thing. And but it always boils down to I'm like, what can we do? What can I do? What can I do? Because you guys know, here on above life channel, I'm really about, okay, we're gonna make psychic stuff practical or number one, nobody's gonna do it. It's just like exercise. Okay, nobody gonna do it. Nobody gonna stick to it. I personally believe that healing is a lifestyle. It's not an event. And that you are your own healer, just like intuition. It's not reserved for elite, psychic people who have been gifted since birth. It's not like that. It doesn't have to be like that. Yeah, there's some people that are really rock stars at it. And that doesn't mean you can't use your own intuition, develop your spidey senses, understand your life better and get the support of that magical metaphysical, the part that you don't see is just as important as the part you do see. So remember, we function here at above life channel on a simple model of body, mind, heart, and soul. There's four building blocks, body, mind, heart, and soul. Each one, 25% is so important. If you knock one off, you're only at a C, baby. You're at a C.  Do you really want to be a C student? No, you don't.   So we got to use the heart and the soul and the body and the brain, okay? It's like I heard this quote or this phrase that said, follow your heart, but take your brain with you. So it's a balance, right, you guys? That's what alignment is. Bring everything into alignment. Don't get too crazy. This morning I woke up early and I said to my partner, I was like, my head is spinning. I said, I am thinking. I said, I'm thinking about so many things right now, so many things right now. And I said, wow. And then I said, I see this and I see this and I see this. And I said, I am so psychic. I am so, which has been my theme this whole week. Oh my goodness. I'm so psychic. Oh my God, deity. Hello. Hi, Jesus. Hey, what's up? What's up? And I'm like, oh, hi, Osiris. Hi. Who are you again? What's your jam? What's your job? Job? I don't really know. I know. Oh, hey. Hi, Kali. How's it going? Oh, Kali. Oh my God.  Oh, you're so sweet. Love you. Okay. Love you. Love you. Oh, Green Tara. Oh, thanks for the healing vibes. Ooh, let's get the healing vibes in. Let's bring them in. Let's bring them in. Let's bring them in. Let's bring them in. Let's bring them in. So, okay, I'm playing with you guys this morning so much. Thanks for bearing with me. I think it might be the peace. Now you know my secret. My secret is each sugar, which is not good because speaking of oracle and channeling and it's really, I guess it is channeling. Oh my gosh, it's channeling. Yes, it is. I think I'm going to put it on here. But I think I'm going to do it in my own playlist. But again, I have to make sure that it's really, I have to make sure in integrity that I know what I'm doing and then I'm not going to like spur anything weird or crazy or have people go off the deep end or have, you know, people that tend to be leaning toward too many conspiracy things or whatever. I don't want to need that. I don't need to be trying to explain things to people like, yo, it's a poem. You take out of it what works for you and what doesn't, you just leave there. You leave it. It's okay. Don't make it fit. It might not be your thing. It's okay. Anyway, initiation. So we've been initiated this week a lot and because we've had two big eclipses, I guess bookends, right? Everybody's talking about it. Like I said, it's tomorrow and we're pre-gaming right now talking about initiation, being initiated. So initiation, there's a lot of different words for it. I'm going to encourage you to journal on this and all you have to do, if you don't like to journal, you don't want to write, maybe you sketch or doodle. Do you doodle? Pick a word.  Take the word initiation, which is kind of like intuition, right? Initiation and pick a bunch of different words that it means to you. What does initiation mean to you? So for me, right away, it's challenge. It could be challenge, obstacle, barrier. It could be a test. It could be a way to stretch your brain or stretch your skills. Initiation could be a way to apply what you've already learned. There's a whole range. Initiation doesn't have to mean shit show, but let me just say, I think that's a pretty good phrase. I should have labeled this video of that. Shouldn't I have? Maybe tomorrow. We'll see. But I hope you guys will join me or consider joining me at noon center time tomorrow when we do a tailgate for the eclipse. We might as well. How fun would that be? I even got eclipse glasses. I went to the bookstore and they gave me eclipse glasses. I'm like, okay, cool. I won't really. It's like a 75%. I think eclipse here or something, but hey, whatever. I mean, I've been feeling the energy anyway. I'm so psychic.  Oh, I did. I think I showed you this mug, right? Did I show you this mug after I got my haircut last time? My haircut person gave this to me because she said, I saw this and I totally thought of you. This is just water in here. I gotta be hydrated. That's a good thing. This whole week, you guys, I have been using the water element. I've been posting it on my TikToks as like a healing energy, a reminder of flow. So that is a symbol that you can use if you feel like you're being initiated or slammed or you've had one thing after another, after another happened. Remember, we've also got that mercury retrograde. So that is like notorious for like electronic stuff, car stuff, things not going as planned. So just expect that that's going to happen. That stuff's going to happen.  All the time. You're just hyper aware of it right now. That's all. We're just vigilant to point it out. But now we can like blame mercury, which interestingly, every time I hear the word mercury, I think about a job that I had. It was like my second, my third real, my third real job out of college. I worked at a HR consulting firm. We did like employee opinion surveys and 360 degree feedback stuff. And we traveled all over the place and presented findings and all this stuff. And I was on the sales team. And we had to create, they created team names all around because there's like project management teams and the technology team and all that kind of stuff. And we had to create names. And I think we had to do Greek names. I can't remember. There was some kind of a theme or something. And I suggested mercury because it's fast. And they were all like, yeah, that's awesome. So to me, mercury, and they chose it. So the sales team was called team mercury. And so for me, mercury means money. So I'm like, that feels good. I like that. Like money I can just find. Like when I'm walking through the parking lot, money, like that kind of money, like random just money in my pocket. That sounds awesome. So I want to take a moment to say hello in the chat. Hi, rebel. I see you first up here. Let's see. I see rebel. I see candy. Good morning. Grace. Hello. We talked about grace last week, just the energy of grace. If you haven't seen that, that's on one of our, I think it was on the podcast. Hello, Rebecca. Nice to see you. Hannah, nice to meet you. My first time casting you live. Catching you live. Welcome. Oh, thank you. You like the graphic? Great. Thank you. Oh, Deja. Hey, girl. That's my college kid out there. Erin, I think that's what your name is. Yay. Okay. Nice to see you guys. Yeah, I like the graphic too. Thank you. My logo, the new logo. I also updated it on Facebook. I'm trying to make an effort to connect on Facebook again. I'm going to get some connection going over there. I know for some people, that's a nice place to connect just because it's easy, I guess. I guess a lot of workplaces don't ban it or they use it for business so that it's easy for people to access during the daytime hours, like if they're on their computer. So, oh, here we go. There goes my hair. I have my hair all pulled up right now because it's getting long and I don't know what to do with it as always. Okay, my dears. All right. So, we're going to take the word initiation and we're going to see what it means for you. All right? That's kind of the little takeaway today to something free to play with or work with like your Play-Doh. And instead of looking back or looking ahead and thinking of all the ways you feel challenged necessarily, that's not, it doesn't sound like fun. That sounds awful. Actually, that sounds disgusting, like a horrible treat, just something disguised as a treat, but really it's yucky. You know what I mean? Like, ew, we don't want that. So, let's use the word initiation as an opportunity to feel into and acknowledge the path you've been on. Let's recognize you've had lots of initiations in your lifetime. You've had lots of moments where you've had to move through or jump over or remove a barrier or obstacle. So, initiation represents that strength. It doesn't represent you not having a clue or you being a victim. It represents you knowing, like you have the inner wisdom. That's what initiation means. You have the wisdom, the capacity, okay? And the value that you need to have in order to show up and move with the flow of things, move through, move around, navigate, whatever it is you're being faced with in your life. If it's hard in this moment, set it aside if you can for a bit, take a break, go outside, try to find some help if you can, move to something else for a little bit, then come back to it. I'm thinking about taxes. That's what I'm thinking about actually.  A little escape, put some air pods in, listen to a great podcast, listen to some music for two minutes and dance and wiggle your body. I also did that this morning. I wiggled and moved a little bit. I swear you guys, that Casey Kasem, the old school American top 40 is awesome. It's on Sunday mornings and I have an app on my phone for 97.5 in Rochester, Minnesota and I listen to it. Yeah, 97.5 greatest hits. It's an app on my phone. Do you see that? There you go. And on Sundays, they do it twice back to back and they do different years. So the first one was like a 70s something and then the second one was 1982 and that's the one that's on right now. So I'm going to listen to the rest of that. But I hear the music and I make myself, I let myself, I shouldn't say make myself, I give myself that permission to move to it. Because for me, my movement had been limited for so long after my surgery that like putting my arms at all above my head just wasn't even a factor. I couldn't do it or out to the side or twist and turn and now I can. And so now I'm like wiggling and moving my hips and doing the stuff, the dancing that I couldn't do before I could literally just move my feet and like move my arms and stuff, you know, and now I can wiggle and move my body. So dancing is simple and easy and it's a good way to move the energy out of the body. And so I just move my torso and my hips and just swing my hips a little bit and I gave myself permission to do that. Yeah. And it was, it was pretty nice. I tried to do that every once in a while, especially if I'm feeling crabby, because I'm like, oh, if I'm crabby, I'm just no fun. And I'm telling myself negative stuff all the time. And that's not a fun scenario to be in. So I'll just wiggle and move and just appreciating the simple pleasures and joys. While I can, while I can, you know, before, before, like, you just, you don't know when you're going to be initiated again, when the next thing is going to be show up to see, to give you an opportunity to, to grow. That's what my initiations have been, growth, growth periods, and incredible gifts, even though looking back home and getting emotional. There's a lot of talk with this eclipse about where you were last year in October.  I can't revisit that. And that was hard, that open heart surgery that I didn't know what. I'll never forget that doctor's face looking at my face. I'm laying down flat on my back in the emergency room, just coming out of the cat's game machine thing.  I'm like, what? Because I said, oh, surgery, okay. All right, I'm thinking they're just going to do a little laparoscopic thing. And they're going to go in and they're going to do something to my heart. And they're just going to fix that. And it's not a big deal. And it'll be like two days, I'll be done, I'll be fine. He said, no, I have to cut your chest open. I said, and what? Okay. And I will never be the same again. And I'm not upset about the scar at all.  They're really cute. I'd show them to you, but it's probably not appropriate to do that. They're so cute. Where the tubes were in the drainage tubes and things. But the, this part for me is has been difficult because it physically, I can feel the, the metal ties that hold my, that hold my sternum together now, while the bone is growing back together.  And they're literally just these bumps. So if you're touching my skin, my body, you can feel the bumps. And there's one really prominent one right at the top. And I can feel it.   There's not going to be fat on this part of my body. There's just not, it's not going to come here, right? So this is an opportunity for me to embrace the life I've been gifted and ride it like a little red combat, because I know that my future is a mystery right now. And that's hard to have that be the case. And at the same time, I'm here. I have had six more months than I would have had. And I appreciate it. I do. And I appreciate you here on our Sunday morning coffee podcast on above life channel. I don't think you realize, and I don't think I tell you enough how special this platform is to me. I genuinely find so much joy being here. It is, it's what I meant to do is to connect and just share and just be here with you. And I feel you, I'm so psychic after all, and I'm psychic in my heart. And this is a gift. And I really, really feel it is.   So thank you so much for being here. I look forward to seeing you tomorrow on Monday on April 8th at noon central time for our tailgate party. Don't worry if you can't join, it's okay. Come back tomorrow evening and just celebrate after, have a post game celebration with us. We're going to be online. I'm a suspecting it's going to be for a while because I want to be able to have conversation with you. Although this has been like a half an hour, you guys. It's a pretty long one today. I have a lot to share, I guess. So yeah, thanks for being with me today. I appreciate that. And thanks for the feedback on the logo and the color. I love the blue and I also love the red. And so I'm going to balance and probably interchange those. And yeah. So as always, you can see my list of services in the description of this video. Yes, I am accepting new clients. Yes, this month I do have a group that is available. I think I'm doing a twin flame group actually this month. Interesting. Hmm. And then next month I'm doing the inspiring psychic experience. I think that's how it's going. So if you really want the old school psychic stuff, the old like psychic reading vibe stuff, that's the inspiring. Excuse me. That's the inspiring psychic experience. That's a group and it's super affordable. It's like 40 bucks. And it's like 60 to 90 minutes, depending upon how many people are in the group. So that's like old school psychic stuff. So if you want that, that's that. Okay. All right. So thanks for being here.  This is your life after all. And you get to live it. So just live it.