everybody jodi toeplitz weed to me divorce decor warehouse becomes a home imagine waking up and feeling homeless in your own home looking around and nothing feels like it used to we did me helps women and men in transition feel happy and comfortable through the uplifting psychological impact of color and design and a little bit of laughter but also what's important is to have other guests on that or other professionals and things that we talk about that i know nothing of which are finance and with me back today is stephanie boyer from a p g women and stephanie welcome back this is your second time yeah it's good to have you back again i'm excited because i think this topic is something i didn't know anything about and i'm going to start off by saying i know that you've been on your own for quite some time and you are from england so soon because i'm an international marriage person you are or i married a u s citizen many years ago too many years too many years ago and there are financial implications to marrying somebody who is not a u s citizen and all of the things that go around  unlimited give the non u a citizen as much as they want there is a limit every year because there are tax implications the us government wants to make sure that the non us person doesn't wander off and how did you discover this where you must have been shocked when you did to the i well i say i really discovered this when i became a financial planner right you actually limited to i think this year is one hundred forty eight thousand  it just makes life so much easier i that's a great that's really great advice i never would have thought of it and i never i don't know just never crossed my mind and that's interesting you had to become a financial advisor to find out about your about that's just england ok so now we're speaking of england what about other countries is there another country that the rules are different completely talk to me about that there are several countries and then it's specific to your particular foreign country so find out the rules so i actually know somebody who is american citizen married to a person from brazil ok and then want to get a divorce have a story i to share with you to like course i can't say names but i knew somebody who was married to someone from brazil and worse to her scare or her big fear was that he was going to take the children away actually very scary it's almost as if i would think that when people you know when you go to get your mares i'm newly married right bobbie i have a guest coming on next who knows my husband and it is it is  in i think that's something that probably unless this becomes a crisis and i want you there it's like a i think this is like a silent crisis i bet it's something that comes about like you just happen to have a say and because you became a financial advisor find this out but think about like you're the person you spoke about the person i spoke about yeah i guess it has to be sadly more and more sad stories before he they would change even the marriage license to have a little i don't know women yet which i and i love and i'm such a big fan of and we talked about it the first time we told you how important i felt having a financial adviser or that type of  crucial even more so than it for in my case when i got divorced way back more important than a divorce attorney and i'm going to reiterate this again because i believe it to be true and i i actually debated this once an hour in a women's organization i stood up yeah there was of course attorney and a financial planner and they were talking about how what the question was from the audience who do you need first divorce attorney  and i and everyone said oh divorce attorney and i stood up vehemently and said no no you need to get the financial planner bring he or she in with you to find the divorce attorney meet with the divorce attorney or ask them like you guys have a different skill set just because their attorneys it doesn't mean they understand finances and vice versa you know that you're not a divorce attorney and i'm a attorneys think that they do understand finances and frankly well that's the difference is that you guys really do understand what you know is what you know sometimes i've come across oh no i got this handled and i know i want to do everything they can't they don't and don't do it because i did it and if i had known you prior  order and and the problem with that is that should be signed and agreed before you actually have the divorce settlement many times you sign it and then you do the  discover that actually i can't get that money because the plan is it's for retirement plan right that's when you use it and they they all have the rules so if you've done it before the settlement then you find out what the rules are and what you can and can't do and maybe you could go about your attorney and say well this isn't the system it's not going to work right and where you could have hit you know come in sooner and never had that problem to begin with examples after the somehow you are divorcing amicably and you say yes look we overlook this wrote down some really good points were talking earlier and i don't know i don't know about this but they were all like all the different countries we spoke about the u k we spoke about brazil brutus brazil a little bit scary you actually us me also about i could see you right see the letters just so they know and they're clear it would just be terrific for you guys to come and anyone listening out there it's such a great institution where you work a big fan of it i was  think that's where the interest interesting about a p g just so you guys know it kind of about like what i do as well is that you have a whole support system of different categories you know let's let's go over the category that you have you have the retirement actually and we'll see you have health insurance go to them well that's the best because you know what frankly you always want to hire someone or connect with somebody who is an expert in their field it's better to be you know want to be you know another flavor of adela i want to be you know pomegranate ice cream that's what i want to be like you yeah i have the same yeah i i specifically work with women women and men in transition office loss of a spouse empty nest syndrome retirement relocation even newly married couples but i specialize in design and dcor i don't specialize in the finance or the other things so you know what you have part of my team as the way i see it so i have yeah i have the first question i usually asked when i went to new client hires me as do you are your finances ok are they taking care of and you know you're very happy to give them your information and if the answer is no and as well as do you need a roof or a painter i'm working with someone because you know he did all that yeah yeah you know that you know as it was insane so that's part of what i think i like that we both do is that we depend on each other to insert the right professionals a always a way to go from point a to point b always always so i think that's super important and what else oh you know what i think you did mention you thought it was one hundred forty eight thousand dollars going back to yasser saying is that a new check that your attorney has some experience doing a divorce with a person from brazil from england wherever you know that's really important that really i just it honestly until we were talking earlier it would another country and in the u s so i think that's really ok i think that's what that's like the most number one point thing and that was the thing that impressed me most when we were talking as i had no idea and what i mean if that person really does love you and you're getting married what's the big deal yeah it's a very very sad and i love this guy he's a great guy he may know who if he's listening he'll know i'm talking about it so that's why i'm giving no hints as to where or what country but yeah that's really important so that's cool also what i want to say in terms of design internationally you know color and placement in the space applies no matter where you are we all have it's actually been scientific research has been done that we all have in our head formulated what beauty is and what feels good in terms of balance whether it's in a person's appearance their looks for a room we only need we have this register in our head what things should look like we may not know how to get them there that's why you call me and i can help you but we all know that we feel better a feeling right when our c s is statically at leasing because when it's a statically piece pleasing it's comforting and nursing so it's very interesting i wanted to bring that up because we were talking about international and the idea of art design and even in music because my next guests were going to be talking about music really all of it it is it is it is the language of the universe everybody feels and knows in neatly what what works and feels good for them so they're always interesting it's not something i guess in a way you can learn i guess you could you could in some ways you could go to school to learn about color and design but i think that you really innately you yeah i have said this i've had this discussion with people because i'm a fine artist as well and yes i did go to school for art and design and all that stuff to hone in and polish up my tools and my gifts but figure out what to do with them is the same thing and i was once told by a math professor i said i said this to us that you know i have terrible with math and she says no no you don't get this you're not terrible with math you see math in a different way for you to again something and understand you so this is what i have to say your space needs to be comfortable reflecting your personal style and ladies fitting you well like your favorite pair of shoes or boots i think you think