Tune into our inaugural Invested in Connecting Women podcast episode as host Olivia Hails interviews Amanda Overby, CFP^®, AIF. After spending 11 years as an educator and 17 years as a stay-at-home mom, Amanda is now a CFP^® professional dedicated to helping women gain control of their financial futures. Her story proves that life is fluid and that big change can lead to even bigger success. The first step is to face your financial truth.

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Olivia Hails: In the United States, half of all married women and 54% of married millennial women say that they defer to their spouse when it comes to long-term financial decisions. Yet we know that 90% of women will be solely responsible for the finances of the household at some point in our lives. So how do we prepare for this?

Hi, my name is Olivia Hails with Janus Henderson Investors, and crisis shouldn’t be the reason that you are forced to learn about financial decisions. We want to help women take charge of their financial futures by sharing stories that will help us overcome taboos surrounding the conversation of money, investing, retirement and life planning. At Janus Henderson, we work to benefit clients through the connections that we make, and that’s why we’re starting this podcast: Invested in Connecting Women.

So today is our first episode and it’s such an exciting honor for me today to be joined with Amanda Overby. She’s a financial advisor with Raymond James down in Montgomery, Alabama, a certified financial planner and an accredited investment fiduciary. Now, she has not always been in the financial services industry, though. She’s actually one of the newer ones that we converted and really, she converted her entire professional life just a few years ago at a time when most women really would have struggled to do that. Some might not have even been able to find the motivation to make a career shift such as she did. But she began working at Raymond James in 2017 and then officially became an advisor in 2019. I actually knew Amanda growing up in my hometown. She was the fashionable mom that drove around the big red car all the time. She was always involved around school, she was always around the church. Like through it all, she’s always had a passion for teaching others which I knew, and I was just a bystander. So now that’s really progressed all the way through multiple decades of her life. First of all, thank you for being here today and agreeing to share your story with us.

Amanda Overby: Thank you for having me. I’m very excited.

Hails: When we had the chance to connect a few months ago, you know, Amanda, you were the first, one of the first people I ever kind of mentioned this idea to about this podcast. I said, “What do you think? Here’s an idea,” and it was really just to have a platform for women to tell their stories of their journeys to and through financial literacy. Because I think you and I both agree that storytelling can be so powerful, and especially among women. We start to hear others, they might be experiencing something that we’re experiencing, it becomes easier to open up, to really connect, to educate and empower. So it was only right that we have Amanda with us today to kick off the podcast and share her story with us today. So Amanda, not everyone has had the privilege to meet you the way that I have and connect with you. So with that, I would love for everyone to be able to connect with you. Please tell us, who are you? How’d you get here?

Overby: Oh, everybody, hold on. It is a strange situation. I started off in a family. I was the youngest, I had a father who is highly educated and very interested in all of the children understanding all types of literacy and one of those was financial. So he taught us how to take care of things. And I went to college and graduated, got a job, got married quickly and just started doing what society was sending me the messages to do. It was have children and take care of people and not really worry too much about the finances because that was a man’s thing. My husband was a CPA and he just took care of things. So you know, for me, I didn’t look into it until I really was in a financial crisis and I had raised a family and just needed to know a lot more than I did know.

Hails: Yes, like they say like, finances can be very crisis-oriented. So you grew up in a family where I think what you told me once was that your dad actually called you the frugal one.

Overby: Yes.

Hails: You were the best when it came to saving money.

Overby: That’s true.

Hails: And so then there’s a point in your life where, tell me, speak to me, where this may have changed, where that curiosity that you had about how can you stretch a dollar stopped.

Overby: You know, I don’t even understand myself how that happened. I was always interested in finances and I was very good at stretching a dollar. My husband went to medical school, we had three children and one of the very most important skills I had was how to live on very little. And I took pride in it, I made our budget stretch, but I never looked at the big picture. I never thought it was my responsibility to look out front. And so when my husband changed careers from a CPA to a doctor, I just left it with him. I did the day-to-day finances, check writing, I made sure everyone had the things that they needed, but I never picked up my head and looked down the road to see what a plan might look like and how we were going to get the money that we would need to have a comfortable retirement.

Hails: And I think that’s, you know, one of the things, that one week can so easily become one month and become one year, where I know at least in some aspects of my life, I find myself being like, “Well, we’ll do it next time,” or “We’ll really plan better for that next, that next go round or that next trip. We’ll maybe budget a little bit better.” You know, did you find that? I mean I know you definitely now know how important it is to have a plan behind things that you’re doing because of that, because of how quickly life can move. I guess, when did you maybe start to realize that you were missing that planned or that maybe there was something more that you needed to kind of wake up and start doing?

Overby: Well, I was in education and my husband was the financial guy and it was just as you described. We put our heads down, I took care of the home and the children and I didn’t have a lot of time to read or do hobbies or even be interested in our finances. And we just divided and conquered. He took care of the finances and he went back to school and he was the one who had a bigger job outside the home. And so I got to stay at home and raise the family. I was very fortunate to do that and it was in the best interest of my children and our family. That was a decision that I made. And in that process, I just began looking down. I looked at next steps, I looked at day to day activities and I did not, I didn’t lift my head up until mid-life. I got an unexpected wake-up call when I was divorced and I had been out of the workforce for 17 years. I had three children. Some were in school, one was in college, and I just came to this realization that I was not on the right track and I was terrified, paralyzed and didn’t even know where to begin.

Hails: It’s all of a sudden you find yourself almost frozen in a life of, you know, it’s so easy to let a couple of years go by and let things just become habit that you didn’t mean to let become habit. And then all of a sudden when you find yourself in a situation of divorce and having to really recreate and rethink of your life because, guess what, divorces. Let’s see, you have double the expenses and half of the assets that you now have to figure out how to maintain a lifestyle with just that.

Overby: Exactly, and after 17 years of focusing inward and within the walls of the household, it was a very scary place to think of going out and creating an income stream, having a job that would pay and help me prepare for the future. I was very ill prepared for that.

Hails: So looking forward, you are now sitting as a financial advisor yourself. You are doing things in your own community that I like to call the whisper effect, if you will. I have single handedly witnessed it myself. You have started giving women a bit of confidence or a bit of hope that if you can do it, they can do it. And that is one of the coolest things to see as a bystander and as somebody who, you know, gets to choose who they work with. Tell me, fill in the gaps of where you found yourself frozen here, of how is it that I’m going to put a plan together to take care of my three children, to really figure out what life looks like on my own when I haven’t been in the workforce for 17 years. You know, what mentally and emotionally and maybe even physically got you from that frozenness to where you are now?

Overby: That’s sort of a two-part question. I think the reason that I have a reach in the community is because divorce can be, and mine certainly was, a bit public. People were surprised and they thought that our marriage was insulated from something like that and so it created attention and there were a lot of whispers about what was going on and what on earth happened. And I think women hold close to their heart sometimes the fear that that could happen to me. And if they have chosen the life I chose, they are such exceptionally vulnerable to that very thing. And so people would come up to me and say, “What were the signs? How did you know? My marriage is a little bit in trouble. Do you think we’re headed for divorce? What should I do? How much money do you need?” and things like that. So I became this trusted person that people did a lot of whispering in my ear asking me very privately, sort of what are the signs so that they could brace themselves if in fact, that was going to happen to them. And so I realized, “Boy, there are a lot of people who have this concern,” and I knew there were a lot of people who needed to know exactly what I needed to know.

So the way I found out was, I just pulled myself up, I reached into my friend group, I asked people if they needed any help. And one of my dear friends who works in the Cable Association offered me a job as an assistant. And I thought, “Well, here goes. If I’m going to get back out there, I need to have sort of a soft start.” And she was a very familiar friend, trusted person in my life and she, I knew she would help me as I navigated these new waters. So I got into the workforce and I began learning very basic things like how to fax, how to use a complicated phone system, how to use a complicated copier, what a digital file looked like, how to work through some sort of software that would keep up with accounting. And I was daily overwhelmed, maybe even hourly overwhelmed. And I would catch myself calling my children and say, “How do I do this? How do I do that?” And their typical answer was, “YouTube, Mom, Google it. It’s out there.”

So I had to teach myself a lot of things that most people already knew. But once I gained a little confidence and I began running an office, a very small office albeit, but I began to learn some very basic skills, I started looking up again and trying to find that next step. And found a friend who needed help in the financial industry and he needed a bit of a secretary, an executive assistant, associate type job filled. And so I asked him if I could come and he said, “Sure.” He explained what it was. He said, “You don’t know anything about this, you were in education.” I said, “Well, that is true. That’s true. I was a first-grade teacher for 10 years and I cannot put one thing on my resume that will make you feel confident that I can do this job. All I can do is promise you I can do the job, I will do the job, and I’m a lifelong learner, I’m a teacher and if you’ll let me go, I will do it.” And he said, “Okay, well, what’s your biggest concern?” And I said, “The only concern I have is I have too much ambition for this job. I don’t want to be someone’s assistant.” And he said, “Oh, okay. You want to be a financial advisor?” And I said, “Yes, yes I do.” And he said, “Well, come on. You just go, the sky’s the limit. You can be my assistant and you can get any license you want. You can learn anything that you want to teach yourself or apply to any kind of program, but I’ll take you.”

And so he did. Raymond James took me in and I would get a very crash course on finances, started getting registered in different things and all of my licenses and just recently used our COVID entrapment to learn about CFP and passed that and get that designation. So I really feel so much more prepared and I really feel like I have the tools now to take back all of those women who whispered in my ear and all the many, many women that didn’t and say, “I know you don’t want to be where I am and I know you don’t want your daughters to find this same path that I found. So why don’t you let me share some of the things that I’ve learned along the way?”

Hails: I love that. So it all started with a friend giving you an assistant position, having to YouTube things all day which by the way, we YouTube things every day on how to fix things around the house. Without it, I’m not sure that my fiancé would have been able to do half the things he’s been able to do. So give me a great learning tool. But it was that you know, that then kind of got you motivated and your spirits up again of what’s the next thing? What’s the next thing I can reach for? And I don’t just have to be here, but kind of getting your morale back in the right place. And then you were lucky enough to find an opportunity where the sky is your limit. You know, not everybody I think gets those opportunities. But then again, you never know until you ask. I always say this to people. I’m like, they’re like, “How did you get to this?” I’m like, “Well, you never know, unless you ask, because what’s the worst that someone could tell you? No.” And I think, I know who hired you, so just knowing that no, the sky is your limit. You want to get licensed, if you want to go get your CFP, the world is your oyster, you go do it. So I think it’s such an awesome you know, way that you went from just being frozen to then really dipping your toe in and then all of a sudden, having that be fast tracked to a totally new career at a later time in your life where it’s hard to get up and hard to have motivation to want to be aspirational in your career. Is there anything that you would add to that, that you know, keeps you may be going now or kept you through some of the harder days?

Overby: Absolutely. I knew that my children were watching. And I knew that society had told them and had told me, “If you stayed at home for nearly two decades, you are finished. You can only hope to be a preschool teacher or part-time at a boutique.” And I could have done those things, but I needed a career. I was in a situation where I had to prepare myself for my retirement. And so I wanted them to see, we can do anything. Women can do anything. Even though some days I didn’t believe it myself, most days I did and I just kept trying. And I just couldn’t let the people who trusted me down. The person that I looked in the face and said, “You don’t have to believe I can do it, just believe me. I will do it. I know my resume is not convincing, but listen to the confidence in my voice. I will do it. I will exceed your expectations.” So once I had put that out there, I had to live up to what I said. And every day I caught myself pushing just a little harder to show the people I had promised, you will be glad you hired me.

Hails: And I want to talk to that because, you know, I love to ask people what their internal voices are or what their sticky notes are that they have on their computer. Like for me, I have something that my mother gave me years ago that says, “Go ahead, underestimate me, that’ll be fun.” And that’s framed on my desk, no lie. It gives me a chuckle, but it’s also like – that’s right. Underestimate me, that’ll be fun. For you, it was, “I told them that they wouldn’t be sorry for hiring me. I have to live up to this, of what promise that I’ve made and I’ll do whatever it takes to do that.”

Now I want to speak to the 17 years really quick before we get into kind of what you’re doing today and some advice that you may have for women of how to really start to face their financial truth. I want to talk about those 17 years because I think this is where a lot of women build fear that they have a hard time overcoming because in those 17 years, you weren’t just waiting for the kids to come home, you weren’t just sitting on your hands waiting for them to anxiously come home and that was your own job. I want women to be comfortable knowing that if they don’t have a corporate America job, that doesn’t mean that they’re not working and they’re not contributing to the family and contributing to society. So will you speak to that, maybe of those 17 years, and then if there was a mental block of, you weren’t just unskilled, you were very skilled and you were working, you just weren’t getting paid at a corporate capacity to do so. So speak to that if you will.

Overby: Absolutely. Staying at home and taking care of children, first of all, and being responsible for education, not just parking children in front of a television or some other form of entertainment but being very active is a job. I did get paid to do that in an elementary school. And then when our house got bigger and we had more projects going on at the house and construction work and landscape people and running a household requires organization and you have to budget. You have to be a good communicator. If things go wrong, you have to work it out. And you know, keeping up with children schedules, volunteering in a leadership capacity at church, I had to be very organized, I had to be a good communicator, stay on the calendar and keep people coming and motivated. Vacation Bible School teachers, they have a lot of responsibility. If you have 300 small children there, you have to be organized and you have to keep people motivated and communicate and break things down and educate people and simplify. And you know, I was able to do things in the community. I was a leader in some children’s literacy program here that was statewide. And being in that, I realized something. You have to be organized, you have to know your stuff, you have to be able to explain it to people, you have to ask people for money. That’s not an easy thing to do. To convince someone that your project is worth their dollars, that takes a lot of work.

And so I remember working at the children’s school, my children’s school, and I was with a one other lady. We were responsible for a gala that was to raise thousands and thousands of dollars for the school. And we were meeting weekly with other people that were leaders of committees. We had huge notebooks, we worked several hours every day and when the day came for the gala and we had a very successful gala, we raised $50,000, something like that, I remember thinking, “People get paid to do this. This is volunteerism, but there are people who have this as a full-time job and they get a check in the mail.” And I drew on that when I realized I had to go back into the workforce and I just had that pit in my stomach of no one will hire me. All I’ve been is a stay-at-home mom. All the times people have asked me, “But what do you do? Just play tennis and pick up the kids?” I knew what was out there. I knew what many people thought. And I really let it convince me that I was that, that I was just a person that stayed at home, took care of the kids and played tennis until I began rehearsing the things that I had been busy doing for the past 17 years. And I realized it was quite an impressive list. It wasn’t corporate America, but it was a lot of the very same skills that corporate America needed and used and hired people for. So I had to just tamp down the fear in me with the truth. You’ve been busy, you’ve been doing things. The skills that I have are marketable, I just have to get somebody to take a chance on me and I have to be willing to learn whatever the specific industry is that I find myself in, but I have the raw materials and I just have to believe that and then go show them.

Hails: Yes, which is so inspiring to me. We’ve talked about so many different ways of, you know, how do we bring more confidence into women’s lives, especially when it comes to their financial life and making sure they know the right questions to ask to even get to that conversation. I think we have a responsibility to help what you just spoke to, to really reframe what women think of themselves and what subtle messages that are ingrained in society can really do to us because you weren’t just a stay-at-home mom that maybe occasionally played tennis to stay in shape or to have fun. Like there was so much more behind the scenes that really is a skill set and that it should be celebrated and that set you up for a very, very smooth transition into the workforce you know, which I think is just incredible. So thanks for sharing that. I think more women hopefully will take some inspiration from that in that you know, don’t let society push messages on you in whatever capacity that that may be, that will then hold you back from gaining confidence where you really need it.

So in terms of celebrating where you are now, everything that you’ve been able to achieve, what is it that you found yourself doing in 2020? We’ve walked through your story. You were an elementary school teacher, you had 17 years doing various jobs, raising a family, raising you know, working the household. Now you’re, since 2019 technically, have been an advisor. That’s not that long. So what have you been doing? Because to me, it seems like you’ve done 10 years’ worth of work in three years’ time. So how are you really structuring because you’re a teacher, you’re an educator. You’re helping people, so speak to me on that.

Overby: That’s why it’s so easy to do it and I think that’s where the momentum comes from. It is not a job. It is a passion of mine to help women understand what is right in front of them. But they are fearful and they lack confidence and they don’t, they’re insecure. I’ve had people say to me, “Just teach me enough so that I don’t sound stupid at a dinner party.” They, we just have convinced women that they’re not smart in this area. “I’m not good with numbers.” I hear people say that all the time. “Oh, money, yuck. How do you do that? Just you take care of it. Whatever you say, I will do.”

And so I’m so passionate about… It’s not that bad. It’s not that hard. Let me explain it to you. It’s just like little children who don’t know how to read yet. That’s a pretty big skill to learn but it’s not that hard. And if I can break it down into the ABCs of finances and help people build their confidence and practice just a little and hopefully ignite some curiosity, I believe women want to know. They are certainly capable and there are resources everywhere that can make every woman financially literate and confident and active in their own financial life so that if their financial boat tips one way or another and they find themselves you know, swimming in the big ocean, they will have a much easier time of getting back in a safe place and moving forward. And I guess because I have children who are young adults, young girls that are in their 20s, my oldest just turned 30, I see just an ocean of their friends. And I was drawn to you in the same way. I want the people your age and younger who are women who, I do not want them to follow my footsteps and just hand over their checks to their husbands and turn around and take care of children while who knows what happens with their money? I want them to sit down and say, “What are we going to do? Where is the money? How much do we need?” I want them to be active and involved so that they can understand how money benefits them and how not using money well can certainly hurt you. And just being able to feel connected, and their husband may appreciate it or their partner may appreciate it because it’s also spreading the responsibility out. I wouldn’t want to be solely responsible for the finances. And it’s possible that there are other people out there that don’t want that responsibility solely. So I just think women have so much to offer. We’ve heard the stats that women on board of directors for big companies improve the company’s bottom line. And I cannot help but believe that that has to be true in family finances as well. So, women: Get involved. It’s for your own sake, it’s for the sake of your family and then you will never know the path that I have trod.

Hails: Well, even to just women running money in the household here, I mean even if we look at what you and I have talked about in the past. There’s multiple studies out there, but there’s specifically a study of women in the Sub-Saharan parts of Africa where they were actually given the money and the responsibility to bring the money in the door and the studies are very extensive, but it just goes, like I think some of the things that were conclusive about it is that when women are the ones spending the money and when women get basic education, it actually raises the GDP by .37% every time a woman gets a basic education in these types of communities. And then when you look to what the woman spends the money on, it typically is an investment in not only herself, but the household and the children. So it’s not a just something for her, it’s something that invests in the entire family. And there’s so many extensive studies out there like that. But I think it really does, there is some validity to that and there’s some proof points to when you know, women are educated, a lot can happen and a lot can advance quickly.

Overby: And you know, this was never the path that I was going to take for myself in my career. But then in college when I realized that there was so much I didn’t know and I made all the mistakes in your 20s that you hope your daughters don’t make when it comes to money, that it motivated me to you know, figure out my, what I was doing and get better at it with the help of people like yourself. So you know, it really is so important for women to take the initiative to at least take that first jump into educating themselves so that they can take care of themselves. And I hate this, I think we’ve maybe talked about this as the taboo that surrounds money, that if we’re talking about money, we’re talking about your wealth. And by wealth, we’re not talking about you know, the freedom you have in life, we’re talking about socio economic status of this. And that’s not, that’s what we want to overcome. We don’t want money to be tacky and we don’t want it to be taboo. Obviously, it matters the way in which you talk about it, but really, I think that financial confidence is it’s hard to define. But Kathleen Burns Kingsbury, she’s a wealth psychologist we’ve talked about. She defines it well and I want to just read her quote because I think it’s relevant. It says, “Financial confidence is not correlated with the amount of money that you have, but your comfort level you have in knowing that you are doing your best every day to manage it.”

That is actually exactly what I see in my practice. No two families have the exact same amount of money that come and want a financial plan. And they don’t even necessarily wind up in the same range. People are all over the board with their net worth. But they all can be successful with their financial plan utilizing the same basic tools.

Hails: Just looking into my own life and my own distant family and everybody, everybody has such a different emotional relationship with money and understanding that can be so important. First and foremost, I have to understand how Olivia, what my emotional connection is with money before I can even think about what my spouse’s emotional connection is and then how that may play together in the way in which we make decisions for the household and for our own future. So I’m sure you see that all the time. Is there, do you ever have trouble getting women to basically look at their own financial truth and connect that way?

Overby: Absolutely, absolutely. Women will, often women in my circle will run from financial truth. Even if I try to ask them simple questions or try to stir up curiosity, they literally do not want to know. They will say they are bored with it. They will say they’re intimidated by it. They will say that that’s not their responsibility. But I think at the bottom of it all, the core issue is women have not had permission to learn at a young age and instead of having this layer upon layer education, they just have a very superficial education and a lot of fear and a lot of messages are sent. Women waste money, women are shopaholics, women spend money unwisely, women do not know how to earn money or women don’t earn money the way men do. And I think that we cannot buy into that. We have got to stop and tell ourselves the truth. And sometimes, most of the time, not knowing something is not helpful. Often knowing, the more you know, knowledge is power. And the more you know, the better off you are, the more you’re going to be able to help yourself.

And so I often ask just questions to try to pique a little curiosity with my friends: “What’s your net worth? Do you know if you have a traditional or a Roth IRA?” Just to make them ask themselves, “Well, I don’t know. What’s the difference?” [And I ask], “Do you know what is debt of security and what is equity?” And they may know, but they don’t know what those words are. And if we can just talk about it in a casual setting and learn a little bit, I think it will encourage women to believe in themselves and realize they do know more than they think they know, but there’s a lot more to learn. And it’s actually very exciting, very interesting stuff, even though we tell ourselves it’s boring and it’s not what we want to be a part of. Actually, when women learn about finances, I see lights come on, I see a great enthusiasm and they become very passionate about their finances.

Hails: I too have seen that. It’s you know, you start to just ask the questions. If you just think about it, there’s barely any states in this country that actually have financial literacy curriculum you know, required. I think North Carolina might be the only state that actually has it as requirement but, and that was new. That’s very, very new. So where are we supposed to learn? And a lot of us learn by trial and you know, fire and get intimidated. And because it’s an intangible, we don’t have to look at the numbers every day, it’s so easy to become out of sight out of mind. And then you move on to a point where you don’t need to worry about it, right? Until you do. And unfortunately, that’s as we’ve talked about, that’s crisis. That’s life transitions such as divorce, maybe an unexpected death. It’s something that forces us to go out and learn. And if you think about the emotions that you might be going through in a life transition on top of trying to come to terms with the fact that you need to learn something you never thought you could, that just, it’s not a good equation.

So with all of that, I want you to give me kind of advice for women out there. If you could go to a rooftop and scream something out to all of the women in your life or maybe the women that have yet to meet you, what would you say?

Overby: I would say, peel the band-aid off. Look deeply at your financial situation. If you can see what’s under there, you can get it better. But as long as you have it covered up and you won’t look at what is there, you can’t. You cannot help yourself. And the people who are being successful, all you women who don’t have a band aid, all of you women who are just rocking this whole thing, turn around and help the person who’s down. Let’s don’t still cover this with shame and let’s don’t make it taboo. Women, we’re here to help women. It’s hard enough to fight in the world that we live in. It feels like it’s not a level playing field oftentimes. And we women have to help each other get over the obstacles that are there and that have been there for a long time. And I would just say, knowledge is power. Find out what you don’t know. And you do not have to be embarrassed. If someone is making you feel intimidated or shamed or stupid, you’re talking to the wrong person about finances because there are women, there are financial advisors, men as well, that will not make you feel that way. There are so many resources online, there are apps, there are books, there’s no reason to be ignorant. There’s no reason to be ashamed. We want to help you. Many people are out there to help you and I would just encourage everyone that I know, you can do it. If I did it, you can do it.

Hails: And you have YouTube to really get you started too, right? There’s that one thing that’s too intimidating to get started and get back into the workforce or get you know, out of whatever rut you may be in. And I know after 2020, there’s a lot of things going on and a lot of things especially there’s unfortunately, we’ve seen some women start to kind of demote themselves in the work that they were doing in 2019 versus 2021 because the responsibilities just got so taxing in 2020 with everybody being at home and routines you know, shifting. So just as we try to talk about mental health as much as we can, this is a very big part of that too. Your financial health and really having an awakening to money and what understanding it, what kind of control that can give you in your life. So thank you for sharing that. I like that advice because if you try to rip the band-aid off at first, it may be too much and it may be intimidating. But if you just look under there and say, “I think there’s one little thing that we can start to peel away right now,” you’re more likely to actually do something, at least what you said, “What’s your net worth?” Find out that today, if you don’t already know how to calculate that.

So I appreciate your comments there. And I’m so excited for you and all the things that you are doing because your story really inspired me to go forward with this and to really create the storytelling platform because you have defied so many odds and you have so much life left to live and you’ve got an amazing family and you just live life with such grace and such poise. It’s really fun to watch your journey. So I’m looking forward to seeing how your years progress from here as it as an educator, especially for women.

Overby: Thank you so much.

Hails: Absolutely. All right, so we’re going to end with a lightning round here and you can throw them right back at me but I’ve got a couple for you. And this is just you know, I know some of your recent vacations, so maybe we’ll see how these answers. Beach or mountains?

Overby: Mountains.

Hails: Airplane or car?

Overby: Airplane.

Hails: Sweet or salty?

Overby: Sweet.

Hails: Oh, I’m the opposite of that. And then this one which is relevant for a lot of people right now and pretty controversial maybe, is, office or work from home?

Overby: Both, I’m a hybrid.

Hails: All right, those are mine for you.

Overby: Okay, I’ve got three for you. What is your favorite Southern comfort food?

Hails: Oh, fried chicken.

Overby: Okay, what’s your hobby?

Hails: Working out.

Overby: Okay, and my last one: What’s the last Amazon package that was delivered to you?

Hails: Oh, this is so embarrassing. It’s a purple wig for my bachelorette party.

Overby: That’s the best answer I’ve ever heard, Olivia.

Hails: I’m like, yes, that actually just came in this morning, didn’t it? Yes, it did, so…

Amanda, thank you for being here today. I’m truly inspired by your passion for this business and for helping women find their financial truth. It is so true that as women we’re really here to help other women. So, thank you for being here today to share your story.

Overby: Thank you so much.

Hails: And thanks so much for listening in today. We hope you’ll join us as we continue to connect, educate, celebrate and empower women.

 

*Cackowski, Janic. “Here’s how women can be financially independent.” CNBC. May 2019.

Janus Henderson Podcasts

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