Naomi
Appearances
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
Yeah, I am so excited because in the next couple of months, we will be done with daycare payments. That's huge. An additional $1,430 that we will have every month that's not going to daycare. I was looking at our budget. It's the second highest line item in our monthly budget. And that is a huge blessing to be able to say that we don't have a place where we have to put it right now.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
So we want to be able to think strategically and thoughtfully about what to do with this money now and like have it work for us.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
Definitely saving for our kiddos' future. So we're able to save a little bit each month, but I'd like to consider adding more, the addition to the house. And then, you know, wondering if we need to buff up either emergency savings or our retirement savings.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
For me, it would be bulking up our emergency savings and then saving for our son's future. Those, the two where I think we could be putting more attention to and also feel like they align with like our long-term goals.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
Right now, we're teetering around just $20,000.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
Maybe three.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
Our retirement savings, we also feel good about and probably a lever where I'm hoping we can pull back, but we also have the opportunity to put more into it.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
I mean, that's helpful. Yeah, that's like including our continued giving and our continued Roth contributions and stuff. So, I think we're in the three to six month range probably. So for retirement, we currently contribute 17% of our combined income toward Roths and 401k.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
Can we go into some more specifics? Sure. We've done some basic financial planning in the past, but because we started early, combined, we have $515,000 in retirement. I am 36 and Andrew is 40. So we are on track, I believe, to retire... at or around 65 very comfortably with actually a higher income, I think, than we have now.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
But sometimes when I run analysis or when I'm trying to predict how much we'll have, it still seems like we're going to come up short. And that's really hard for me. It just feels like it's never going to be enough. However much we're contributing, it never seems like we are going to have enough at retirement.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
Yes.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
I think so because we also, it feels like we contribute so much post-tax and now we have this extra money. So if we need to do more, we can do more. But if we can do less, it'd be nice to do less.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
Thinking about the future, it always feels like there's never going to be enough to prepare for the future. But we're shifting our mentality to make sure that we have enough to give us margin of joy for today. It's easier to see and we want to have these short-term goals to be able to give us joy now. But checking that anxiety is always really helpful. So thank you for sharing that. Of course.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
Can you talk to us about 529s? We haven't specifically talked about how much we want to save for our kids' future or whether or not we want that to be in a college fund, for example. I do anticipate he will probably go to college, but I'd also, it's important for me to be able to fund a gap year for him to explore if that's what he needs.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
What are other options besides a 529 as we consider savings for his future future?
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
We have, but I have not done anything about it yet.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
I feel excited that we can start setting some new goals and having these like dreaming sessions again about what we could do. even like having a legacy somewhere for somebody. But I think we can also be strategic and we can do a little bit for all of these things and pull some levers maybe as those goals change. So yeah, it's exciting to have that money and to have the margin.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
Like I said, it's like a huge gift to be able to assign it in a new way.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
That's great.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
Hey, thank you guys.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
Everyone, thank you.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
I feel really confident that Andrew and I are on the same page about our priorities and our values when it comes to how we spend our money. I think we could use a little bit of improvement maybe with how we're saving for short-term investments or how we're thinking about short-term savings and goals that we have. I think that we're really good at accomplishing a goal.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
It's a little bit trickier for us when it comes to identifying what the next goal should be.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
A few years ago, Andrew and I, before we had a kid, we took a weekend to think about our five core values that we share as a couple. And for me, that was a really helpful, exploratory conversation that we had. And although we don't refer to them very often... we do refer to them when it comes to money decisions.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
So I think that having those core values identified has helped us prioritize like bigger things. And as Andrew said, generosity is one of those core values and money is one of the biggest ways we can show what we value.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
Yeah, I think it is the short-term goals we disagree on. So I think Andrew feels the weight of debt a lot more than I do. So I am okay taking on more debt. I have taken on more debt in the past. I came into our marriage with more debt. But when it comes to short-term things, I am more inclined to take on debt for those things.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
I think that's where we have some disagreement about what's a healthy or good decision when it comes to what we should take debt for.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
Andrew mentioned margin. That is one of them. We also have flourish as one. So we value like caring for creation and caring for other people in our homes. So allowing an environment where all can flourish.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
Generosity.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
So we have two, I think examples are important, but we have two loans right now besides our mortgage. And we identified these as priorities for the family and something that we could take on. So the one loan is for solar panels for our home. And then one loan is for a car that we purchased. Both are very low interest. Both were able to make the monthly commitment for that.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
What we would say is probably what we are considering now, which is harder for us to explore together because we disagree about this, is an addition to our home. So it is a huge purchase. It is something... that feels really unattainable if we are just trying to pay cash for it. But financing it also seems like a really enormous task as well if we were to take out like a home equity loan.
NerdWallet's Smart Money Podcast
How to Build Wealth Right Now and How Couples Can Align on Financial Goals
So I think that figuring out if we take out a loan or if we save for cash is one area where I think we're having some disagreement.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
It sounds wonderful. I told them. I told them. I told everybody. That's what everybody gets for always counting me out. But you see what happens when you stop being so nice and you put yourself first? You get your little something.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Oh mein Gott, da gibt es einfach die Möglichkeiten. Ja, das ist für mich eine verändernde Karriere. Das kann mich auf den Weg bringen, wo ich mich sehe, in dem ich immer gewesen sein sollte. Ich bin da gewesen, weißt du, aber ich konnte es nie wirklich da halten. Diesmal werde ich da sein und ich werde da bleiben. Und dieser Briefkasten wird mir helfen, das zu machen.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Dieser Vertrag wird mir helfen, das zu machen. Dieser neu gefundenen Persona. Das Alter Ego, das ich habe, wird mir das helfen.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Yeah, I had to pack the glow away for a little bit. Glow just couldn't get the things done at this stage, at this caliber we're at in the division. So I had to come up with something else and it's working, so I'm going to stay there.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Es ist so eine Reise und eine Erfahrung gewesen, so viele verschiedene Evolutions und Ära von dieser Division hier im WWE zu sehen. Und es wird immer besser. Und ich bin in der Money in the Bank für die fünfte Zeit, mehr als alle anderen Frauen, und ich fühlte es nicht so, als hätte ich ein One-Up, weil A, jede Frau da drin, Es war unglaublich, es gemacht zu haben und es gewonnen zu haben.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Und jeder ist so gut. Also musste ich einfach da hoch. Und du hast es geschafft.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Es funktioniert klüger, nicht schwerer. Ich habe es alle vier Mal so schwer gemacht. Du machst immer das gleiche, erwartest verschiedene Ergebnisse, das wird nicht funktionieren. Das ist Insanität. Ich bin nicht mehr verrückt. Je verrückter die Leute denken, wie ich bin, ich bin nicht verrückt.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Ich denke, ich habe einen guten Sinn und ich denke, ich benutze meinen Sinn, um das zu bekommen, was ich will. Und es funktioniert.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Es war ein Push.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Okay, gut.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Ich musste, weil all die Zeiten vorher, du nur versucht hast, da zu kommen. I had to make sure this time that the coast was clear and that nobody was coming for me before I really went forward. And that's just the experience that I gained from all the other times. I wanted to make sure that this moment was there and to take the right opportunity and time to really go up there and snatch it.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Absolut. 1000 Prozent. Und ich denke, ich habe immer die Energie von anderen entfernt. Ich habe immer genossen, in Tag-Teams zu sein. Ich habe immer der Typ gewesen, um andere zu tragen, andere zu erheben, andere zu geben.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Und ich denke, ich bin an dem Punkt, wo ich gelernt habe und während meiner Zeit eine Weise gefunden habe, dass ich so viel davon gegeben habe, dass ich nicht genug in mich selbst gegeben habe. Also als ich zurückkam, ging das um. und die Ausbrechung meiner Beziehungen und Freundschaften. Du lernst einfach über die Zeit.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Und manchmal, um den Top-of-this-Business zu kommen, musst du einfach nur tun, was du tun musst. Ich bin noch nie so ausgebildet, wie ich jetzt bin, aber in dieser Teil meiner Karriere muss ich sein. Entschuldige, Neues! Entschuldige, NXT! Entschuldige, alte Freunde! Keine neuen Freunde! Es ist Naomi-Zeit! I agree. That's where I'm at. And whoever don't like it better proceed without.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
I mean, this changes everything. So I definitely got some things to think about. I'm not too worried about Bianca. That's my baby, that's my girl. We're going through our little... We're going through some trials and tribulations in our relationship. Jay can go to hell. I'm not worried about her. Bianca... We got some things to work through. I'ma just leave her alone for right now. She's healing.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Her finger broke. I'm not too worried about her. Tiffany and Jade. Das sind die zwei Dinge, die ich mich gerade auf mich konzentrieren muss.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Tiffany ist die, auf die du dich konzentriertest? Ja, sie hat meine Karriere seitdem ich zurückgekehrt bin. Als ich das Wettbewerb verfolgt habe, hat sie alles getan, um mich zu stoppen und in meinem Weg zu sein und Nia Jax zu helfen. Ich habe das nicht vergessen. Sie ist der erste, für den ich komme. Okay.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Before NXT, you gotta think. I was here during the first game show of NXT. When there was only, I don't know, maybe six, seven, eight of us. I don't even remember. Before all of this. Before Paige, there was Naomi. Before Caitlyn, there was Naomi. Before Mercedes, Charlotte, Becky, Bailey. The explosion of the four horsewomen, there was Naomi. Before Rhea Ripley, there was Naomi.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Before Bianca Bel Air, there was Naomi. Before Roxanne, there was Naomi. Und die Liste geht weiter und weiter und weiter. Also habe ich die Erfahrung gesehen, dass diese Jungs kommen und meinen Schein für einen sehr langen Zeitraum nehmen. Und wenn ich sie auf einem Rooftop drücken muss, werde ich von jetzt an, bevor ich einen anderen lasse, meinen Schein und meinen Spot nehmen.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Ich weiß. You know, the truth is the truth.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
Das ist das Schwierigste.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
I ain't even think about that. Right.
Raw Recap with Sam Roberts and Megan Morant
R-Truth is back! Reactions to a shocking PLE: Money in the Bank Recap
They don't mess up. No, they should never let me get that briefcase. Well, they let you and you got it. Congratulations. Thank you, Naomi. Thank you. I'm about to wreak havoc on everybody. Bye. Bye. I believe her.