The Empty Nest Kitchen

Simplifying Life with Daily Money Manager Emily Lutz

• Christine Van Bloem • Season 2 • Episode 35

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Have you ever heard of a Daily Money Manager? Meet Emily Lutz, owner of Liberty Paperwork Solutions! Emily shares her journey of becoming a daily money manager, a profession that involves handling clients' administrative chores like bill payments and financial tracking. 

Even though these services have always leaned toward being 'fancy', Emily explains how daily money management is becoming more common and important for various demographics, including the elderly, people with special needs, and those too busy to manage their finances. We discuss the emotional and practical benefits of having a daily money manager, Emily's motivation for starting her business, the trust and efficiency of remote services, and the importance of community and strong female friendships, especially for women in their 50s.

00:00 Introduction and Guest Welcome
01:07 Understanding Daily Money Management
02:28 Client Demographics and Services
03:18 Real-Life Examples and Success Stories
07:43 Remote Operations and COVID-19 Impact
09:09 Trust and Security in Financial Management
13:54 Getting Started with Liberty Paperwork Solutions
17:20 The Joy of Being a Daily Money Manager
17:52 Charging for Daily Money Management Services
18:29 Helping Younger Clients Manage Money
19:31 Generational Differences in Money Management
22:52 Finding Purpose Beyond Family
27:18 The Value of Strong Female Friendships
30:10 Conclusion and Contact Information



Christine Van Bloem:

Well hey there and howdy do. Ah, I am always thrilled when I have somebody lovely on. But today I have an extra special dose of lovely because I have got Emily Lutz on here. Good morning, Emily.

Emily Lutz:

Good morning.

Christine Van Bloem:

How are you today?

Emily Lutz:

I'm good. Always happy to be talking to you.

Christine Van Bloem:

Ah, I'm so thrilled to have you here. And I'm talking to Emily while she is in New Jersey, Northern New Jersey, where she runs her business, Liberty Paperwork Solutions. And I know some people's eyes will glaze over immediately when they hear the word paperwork, but I, I just think what you do is so important. Emily, tell, tell everybody what it is that you do.

Emily Lutz:

So we take care of everyone's Administrative Chores, which basically means keeping their bills up to date and keeping track of everything, watching to make sure nothing funny is going on and really taking that stress off their plates.

Christine Van Bloem:

Ah, I love this. I remember when I first started personal chefing like 120 years ago. I went to some family, the county south of me, which is just outside of DC. And they said, Oh, they're so fancy here. They have somebody that pays all their bills and does all of their stuff for them. And I remember thinking, it is the pinnacle of fanciness to have somebody do that for you. But really it's not, is it?

Emily Lutz:

No, it's, it's, you know, people hadn't heard of it for a while. It's called Daily Money Management. So, so everyone thought it was a little fancy schmancy. But really, it's becoming more and more common. And even people getting everything set up. So if the day comes that they do need a little assistance then it's just a seamless transfer. So it's almost like it's becoming, it's just becoming much more household y. Type of regular thing.

Christine Van Bloem:

Yeah. Yeah, yeah, yeah. So do you do this for a certain demographic or is it kind of like, give me, what's your average kind of customer like or client like?

Emily Lutz:

so yeah, it's really, I, I, I summarized them into two buckets and one is it's really people who have really have difficulty keeping up on it themselves. And that can be people's elderly parents. It could be people who have special needs people just with ADD, people who it's just really not their thing, actually. It's not something they enjoy. So that's one bucket. And then the other bucket is people who are quite capable of doing it, but rather spend their time doing something else.

Christine Van Bloem:

I like that. That's where I would fall

Emily Lutz:

yeah, yeah, yeah. It's a chore.

Christine Van Bloem:

It is a chore. You know, I remember my mom has since passed, but my, brother started taking over her bills, right? And my brother's amazing. He's so great and trust him completely. No problem. But I started looking into some things cause he was just making sure that bills were getting paid. Right. And I started looking and I saw that I won't name them cause I'm so mad at them, but there was a place, you know, where you send your DNA to find out about your heritage and all of that. And she was getting charged like 140. A quarter I mean, it was just so, I was so mad. And then all of the magazine subscriptions that were on auto renew and there were so many things. And I remember going through in one afternoon, saving her something like a thousand dollars right out of the gate by just looking at these things.

Emily Lutz:

Isn't that amazing? Yeah. You know, paying a bill isn't difficult. that's not the hard part. The hard, what we really do, the value of what we do is watching everything, keeping an eye, and, and yes, saving money for just that reason. Things get things get on there and they just never seem to come off.

Christine Van Bloem:

Yeah. Do you have, do you have any particularly egregious examples of things that you've found?

Emily Lutz:

I know there was a woman who, one of our clients in a nursing home and when her daughter brought us on to look at everything, she had been paying a cell phone bill. So, it wasn't inexpensive,

Christine Van Bloem:

Right?

Emily Lutz:

And she hadn't had a cell phone. for years. So it was just, Oh,

Christine Van Bloem:

a cost of bringing you on right there, Emily.

Emily Lutz:

said, we paid for ourselves.

Christine Van Bloem:

Well, and I know that you actually helped out someone in my family at one point.

Emily Lutz:

Oh, sure.

Christine Van Bloem:

Yeah. And that was, I mean, that was so helpful.

Emily Lutz:

she was. Well, yeah. She was lovely. And really actually, it's also just particularly seniors, but it can be anywhere. They're nervous. They're nervous that the bills are getting paid. So that's just really a lot of reassurance. You can, you show them, look, all the bills were paid this month. And that's actually a big part of it too. Just, just letting them relax because it's, it's, You're wrecking.

Christine Van Bloem:

So you work. With, I mean, I guess, are we the sandwich generation still? Now that our nests are emptying out?

Emily Lutz:

I guess if there's a technical definition, probably not. We don't need to keep our children alive.

Christine Van Bloem:

When my parents both passed, I remember calling myself an open faced sandwich.

Emily Lutz:

Oh,

Christine Van Bloem:

I was like, I know, but I handle things with the really with really dark sense of humor. So a lot of people will.

Emily Lutz:

a protein though, you still have a little lower body.

Christine Van Bloem:

there's a lot of cheese involved, I'm just gonna say.

Emily Lutz:

alright, alright.

Christine Van Bloem:

So, I guess it's kind of like, this is something, doing the paperwork, and you have a certification and all, but what's it called again?

Emily Lutz:

So people are always like, how'd you come up with that? And I'm like, I didn't, I didn't. There's a whole American association of daily money managers. So I'm called a daily money manager. We don't do any investing. We just help with the day to day finances.

Christine Van Bloem:

What made you want to do this? What was the thing?

Emily Lutz:

Yeah, so my son had just started school and I was really looking for something to do that was flexible. And I searched for months actually. I really want, I didn't want to just do anything. And I found this association and it jumped at me because I had, I was already doing it for my grandmother. She was already starting to have difficulty keeping up with everything. And I was. Meeting with her once a month and, and we were paying the bills together and she loved it and I loved it. And, and, and it just jumped. I said, wow, a lot of people have that need. And yeah, so I started in 2007.

Christine Van Bloem:

so you've been doing this for a hot minute. And do you do a lot of it remotely?

Emily Lutz:

Yes before COVID, pre COVID it was, I would say half and half we'd do a lot of out of the office and then the other half we'd actually be going and sitting with clients. And then when COVID came We screeched into fully remote and then we found that to be really very efficient. So we are still really, I would say 95 percent remote.

Christine Van Bloem:

So, you still have a couple of people you meet with directly.

Emily Lutz:

We do! Yeah. Some people, yes, they just really enjoy the visit and and so we've continued with them.

Christine Van Bloem:

Oh, that's sweet.

Emily Lutz:

Yeah, it's really fun. It's actually lovely.

Christine Van Bloem:

Yeah. Sometimes the FaceTime, you know, everything is so much more efficient now. Right. Everything is, you, you have to say COVID was awful but efficiencies did come. Out of it.

Emily Lutz:

Oh, no question.

Christine Van Bloem:

right, which I think is neat. Now, do you operate only within the state of Jersey, or are, can you be all over?

Emily Lutz:

So yeah, the remote allows us to be all over.

Christine Van Bloem:

Oh, that's awesome.

Emily Lutz:

Yup. So I have clients spread out in different States and I've clients I've never met.

Christine Van Bloem:

You clients you've never met,

Emily Lutz:

No. So they, they

Christine Van Bloem:

but they trust you.

Emily Lutz:

Yes. So that's, there's a lot of trust involved because we are we do have access to their accounts. And I get it when sometimes they call me and their first thing is like, why should I trust you? And I'm like, I understand what you're feeling. And that's how come now. All of our clients are from referrals

Christine Van Bloem:

Oh,

Emily Lutz:

it's hard for someone to just do a search online and find us and then. Want to hand over their bank account information.

Christine Van Bloem:

Yeah. Well, I, I mean, I'm guessing you're providing reports and all of that sort of stuff to folks.

Emily Lutz:

Oh no, absolutely. And I, we will never, because we have access to finances, we will never be the only one that has access to an account. We insist that the client themselves has the access that maybe a trusted person in their life also has access.

Christine Van Bloem:

Yeah. I, I think also when I know you work with folks of all ages, right? I know that I could hire you. I could hire you tomorrow and say, Emily, oh dear, please help me. I don't want to do this anymore. And I would like to think I am of sound mind at this point in my

Emily Lutz:

I would, my medical analysis is you are.

Christine Van Bloem:

I think half credit at best, but, you know I think when you do end up dealing with people who are getting a little older, I think sometimes there can be some issues of, you know, maybe not trusting as much. So I think that is really great. Having all of that availability.

Emily Lutz:

No, and they never, and the truth is too, they, you know, people have had these full lives and they've never heard of this service. So of course, You know, they grew up hearing of an accountant. They've heard of that. They've heard of a doctor. They've heard of this and that. They never heard of a daily money manager. So, of course, it would be suspect.

Christine Van Bloem:

So, let's say, like, describe your average person to me. Say I have an aunt that I am helping care for. And I'm like, you know what? This is not something I want to handle. Like, what's the process?

Emily Lutz:

So, you know, I have exactly that. I have someone who just came to me. Their it's their mother has been, you know, slowly having memory issues and it's a slow process. It's not sudden. And they've been slowly taking everything over. And now she finds herself She finds herself, she says, I feel so bad because now I, I'm, I get annoyed a little when she keeps calling me to ask about certain things. And when I go to visit her, it's just me, you know, trying to get through her mail and make sure there's no problems and make sure everything's up to date. And it took, it takes away any time for there sitting in, you know, Visiting with each other and acting like a mother daughter. So she's pulling me in so I can take that piece of it off her plate. And then, you know, there'll be plenty of other stuff to worry about, but it won't be that. We have our, a lot of our clients their, all of their mail or, and certainly their bills come directly to us.

Christine Van Bloem:

Oh, really?

Emily Lutz:

It's not even for a place for them to still get a bill, still wonder if it's being paid. Even if it says on it, being paid automatically, which they don't all say. It takes away their confusion. And they honestly, they aren't waiting every day for their gas and electric bill. They don't want to wait. necessarily know that it's not coming. They just are being reassured that it's being paid.

Christine Van Bloem:

So all of those things, I mean, listen, my mom died a little over two years ago and I am still getting mail for her. here from like, renew this membership or gosh, I can't even think of some of them. Oh, all the charity things that are like make a donation today because I mean, they know what they're doing. Right. So, you know, I get that still, so I can't imagine it's so nice thinking that They just wouldn't even have to think about that.

Emily Lutz:

Right. And I have some clients, all of their mail comes to me. So when there's like, sometimes they get like a birthday card. If they're close enough, I drop it off or I send it. Or I actually send it via like UPS

Christine Van Bloem:

No, really?

Emily Lutz:

yeah. Or I have to people, yeah, you have to get it. Or people buy, if they want to buy them a gift, they send it through Amazon. Cause the mail would be forwarded. Sometimes I get their gifts. So this way of coming to Amazon, it goes straight to the address.

Christine Van Bloem:

That is so funny.

Emily Lutz:

Yeah, yeah, yeah. So for just that reason, the, the solicitations are unbelievable. I mean, it actually, it makes me angry. The second they get, not all of them, the second they get a donation, they're sending out another request. And for, for people who don't keep track and don't remember it's, it's, it's terrible.

Christine Van Bloem:

What would be our process for getting started?

Emily Lutz:

Yeah. So the, if, if someone is pre planning. That's like the greatest thing. And no one does that, but every once in a while, I get a call from someone who was like, I just particularly solo agers, so maybe never married, no children.

Christine Van Bloem:

Okay.

Emily Lutz:

And they, and I get calls from people sometimes that are just like, you know, everything's fine now, but I know the day might come and I would like someone else to be able to step in. And continue paying all my bills and taking care of everything instead of me trying to start messing it up or look for a stranger or some accountants do it. But so we, that's the greatest thing. We go through all their bills, I get all their access and I'm just kind of waiting. And every six months or so, we chat again and talk about any new accounts that have been opened and, you know, that sort of thing. Then there's also the other side of the coin, which is all emergency. All of a sudden, they, you know, there's been an accident or something, something sudden happens. And they can't go back to their house and no one knows what's going on. And then it's a little bit like forensics.

Christine Van Bloem:

Yeah. That's, that's parents are hard.

Emily Lutz:

it's hard. And and you just, you know, you figure it out. Listen at the end of the day. So if the electric bill gets paid a month or two late, you know, I'm not saying it's ideal, but it's okay. You know you know, you figure it out, you figure it out, but it's, it's. Yeah, if you, if you have, it's so interesting. If I went up to someone and said, can I look at your credit card statement and your bank statement? Most people would be very like, no, thank you. I would say that if you asked me, like, that's kind of personal. You don't have to see that I keep buying like the little, you know, whatever I buy.

Christine Van Bloem:

Five dollar spot at Target. What do they

Emily Lutz:

right, right. It's all on there. or that I'm clumsy and I keep breaking my thing and I keep having to buy a new thing and whatever. So it's personal, but with those two things. I not only can see their monthly bills, their quarterly bills, I can see if they're, I can check if their property taxes are up to date, I can see if their insurance has been paid. If they haven't been paid, it's hard to see. And you can just, and I actually even see their spending trends, not that I spend a lot of time on that, but I can know if I see their credit card, maybe a charge I should question them on. Right? Wow.

Christine Van Bloem:

them how.

Emily Lutz:

Well, I, so I'm monitoring their credit card statements. So I see that all of a sudden there's a 500 charge from a rug store. And I'm like, you don't really know why they don't just seem to be someone to buy a new rug.

Christine Van Bloem:

Yeah. Okay.

Emily Lutz:

you know, I don't know if that's the best analogy, but yeah, people tend to have, you know, people tend to buy from the same place over and

Christine Van Bloem:

You have patterns. Everybody has patterns.

Emily Lutz:

Yes. So if you see something out of the pattern or that's a little unusual, even, I don't even mean by dollar amount, it can be a smaller amount. I'll I'll not give them a buzz and just be like, Hey, I noticed this, you know, this charge. Cause the whole trick is like catching it early. If someone else gets ahold of their credit card. Number, which happens like constantly. Catching it fast is the key to life, let me tell you.

Christine Van Bloem:

Yeah, yeah. This is, I just, I think it is so neat being a daily money manager. And, I mean, good gravy. Math was not my strong suit. So, you must really enjoy the numbers.

Emily Lutz:

Yeah, nerd would be probably one of my, yeah, a little bit of a nerd, but I like that it's, and you also feel like, honestly, the really nice part of it's, you feel like you're helping people. Like very, people are very thankful. And that's that's the best part of it really.

Christine Van Bloem:

that's so good. And then, how do you charge for something like this?

Emily Lutz:

Yeah. So I charge just hourly.

Christine Van Bloem:

Just hourly?

Emily Lutz:

Yeah. Just for the time. So usually when you start with someone, it's a little higher hours cause you're getting everything together. But once, once things are set up on autopay and we're just monitoring. It's literally just an hour to a month.

Christine Van Bloem:

Really? That easy?

Emily Lutz:

Yeah, it's all automated. We keep track of all the transactions so we can get everything to the accountant at the end of the year. Sometimes lawyers need information. We have it all, you know, we have it all at our fingertips. So it's, it's not difficult.

Christine Van Bloem:

What is the youngest client that you've got?

Emily Lutz:

I have someone in their 40s,

Christine Van Bloem:

Yeah. See?

Emily Lutz:

call young. Some daily money managers actually have a niche for like recent college graduates, which I think is so interesting. You know, some of them graduate from college and they really don't know how to pay bills and manage their money. They actually haven't really been doing it.

Christine Van Bloem:

Oh my gosh. Can you imagine? Because remember we used to have to go get the stamp and write the check and put it in the envelope and mail it so we get to the credit card company in time and I mean

Emily Lutz:

yeah. Oh no, no. It's a different a friend of mine was telling me she just she had a contract at her house. She had a contractor at her house and so she wrote him out a check,

Christine Van Bloem:

yeah.

Emily Lutz:

you know, a young guy, a contractor, a young guy, and she hands him the check and he went, he looked at the check and goes, Oh my God, script! Just to age us, you know. Yeah. Everything's changed. Everything's changed. You know, Gen X. Are you Gen X?

Christine Van Bloem:

Yeah. Heck yeah I am.

Emily Lutz:

So Gen X is the last generation. that grew up without the internet. Our arc is insane. Really? No one else has. Our kids grew up already, you know, on the computer they don't. And the older generation is past it. So we really, yeah, it's a new. And we were, we dragged into, I didn't want to, trust me, learning the computer, I was forced at my job, like, I didn't, you know, it's, it's, I mean, we're here now, but yikes.

Christine Van Bloem:

Don't you remember when the Gosh, we used to call them Mac machines, but the ATMs, I mean, don't, I remember going to one, I went to a little town for school. The ATM at one end of town only gave out in 10 increments, because it was the 80s. And if you walked to the further one, they'd give out 5 increments. And if you were going to the bars, that was really helpful, because you could get two amaretto sours and leave a tip for 5.

Emily Lutz:

I'm gonna write that down,

Christine Van Bloem:

Oh my gosh, I know, I'm so, I'm,

Emily Lutz:

so delicious!

Christine Van Bloem:

an amaretto sour? Emily. So 80s, so 80s, so delicious. I'm telling you, I'm,

Emily Lutz:

I have it right there. I used to drink amaretto by itself, but the sour

Christine Van Bloem:

I do, I do, when it's a really cold night, I have my, I have a big bottle and I put it snifter and it'll warm, you know how you hold it so it warms in your hand a little. I'm like a Bond villain waiting to happen with my Amaretto snifter. I only do it like once a year, but I love it.

Emily Lutz:

That sounds so nice! That sounds very warm,

Christine Van Bloem:

It's

Emily Lutz:

You know, you know what one of my favorite birthday parties was? When I turned 40, which we've just discussed some time ago. My dear friend Laura

Christine Van Bloem:

Who is my sister in law?

Emily Lutz:

had the greatest person over for a cooking

Christine Van Bloem:

Oh my gosh! Oh, I forgot all about that. Oh, and your, your kitchen was so cute. Was that yours?

Emily Lutz:

I don't, I, no!

Christine Van Bloem:

somebody else's. They had just like redone it.

Emily Lutz:

It was just redone and we had aprons and you were, it was one of my favorite birthdays. You were just, your energy and your, what fun, what fun, making cooking, making cooking fun and she, she sent it to the right person because I am, you know, a little challenged

Christine Van Bloem:

Listen, my mother in law used to say, and I swear I say it, if not every day, every week your strengths lie in other areas. And I always, she would say that to me, and at first I would get a little prickly about it, and now I'm like, no, that's a really nice thing. Like, that was a really sweet thing.

Emily Lutz:

can, that can flip either way. I'm glad you're taking the,

Christine Van Bloem:

Yeah, knowing her, I'm not sure which way it was coming, but

Emily Lutz:

That's right.

Christine Van Bloem:

I have decided to own it as a, you know, we can't be, I know that as women of a certain age, we are expected to be good at everything, right? Like, it's just, it's just what's expected. And I have finally realized that I don't have to be good at everything. And sometimes I can just do something because I like doing it, not because I'm going to try to create a business out of it or make money from it.

Emily Lutz:

Yeah,

Christine Van Bloem:

Right. That's taken me a long time because I love, I love the have you ever played with the clay like the polymer clay and they make all the cute earrings and stuff like that?

Emily Lutz:

Yeah, yeah, yeah.

Christine Van Bloem:

Okay. So I have every, every supply needed because I don't do anything small, right? Like I am not good at moderation in any aspect of my life. So I have, you know, all of the little pieces to make earrings and to make necklaces and to make, you know, to make all the things that all of the clays and all of this. And I was like, do I have to make a business now? And it's like, no, no, you can have the sweet little 10 year old over. And apparently I made earrings with a former neighbor. She's just the cutest thing ever. And now she's the earring girl. At school. And it's like, oh, so you can just do it, so you can do the stuff that you really like, like I like the cooking, and then we can hire you to handle all of that stuff that I'm not good at, that I don't like, and

Emily Lutz:

I went through this stage, yet another stage, where you know, I always thought, you know, what's your purpose in life? I was like, my purpose is to raise a family. Like, that always just, right? That was my purpose. That's why I was like, that's why I'm here. And, and now, you know, I still have a family, but you know, they don't need active raising. So I went through another, what's my purpose.

Christine Van Bloem:

Yeah.

Emily Lutz:

And I've been researching, I've really been working on it. And and again, it comes to learning. I tried to take money out of the equation just cause I, right. If

Christine Van Bloem:

Good for you.

Emily Lutz:

Well, you know, I'm still a daily money manager, but but for the other stuff, yeah, it's, and it sounds like that's what you're, that's what you're finding. You're, you're so creative and you're creative in many different avenues.

Christine Van Bloem:

are you finding?

Emily Lutz:

So it's, I'm still in progress, but what really, I've realized what makes me the happiest was the when I leave someone's house and there's so much, they feel so much better than before I got there. Well, in the case of work, right? I get there and they're nervous and they have a stack for me. And they're so, they're really anxious and we get there and we can talk and we laugh and I'm not, you know, paying bills. You know, I'm not all, you don't have to be all serious about it. Right. You can, bills can be, you know, you can make jokes and you can talk and have fun and get it done. And when I leave there, I feel them. I feel it. And that's the, that's the greatest thing for me. So I'm, I'm trying to look for something else I can do to help people find their community or find, you know, other venues where they could have that same ability to, you know, talk with someone else and feel that bonding or relaxation or whatever it is.

Christine Van Bloem:

I think you're kind of hitting the nail on the head because I don't think we're alone in this. I think that women who are our age, right, say, we'll say 50s, right, women who are this age are We're really going through such a fundamental change. And I think it's so different from when you're young and fresh and you know, the world is your oyster and we've, we've got stuff. Now we have had partners and maybe we still have spouses. Love mine. Yay. And the kids you've spent all of this time. really pouring into your kids, right? And then they kind of, and all of a sudden you really have to search for purpose. And I think a lot of people look at their jobs and their jobs don't give them that purpose anymore. I love that yours, gives you that purpose. But I want to call you out for something else that I think is super, super cool because you have a lot of very strong female friendships.

Emily Lutz:

Oh, yeah, I, yes, I do. I have a few that I treasure. That is true.

Christine Van Bloem:

So you guys, you guys, so Emily is friends with my sister in law, Laura, who is one of my favorite people in the whole wide world.

Emily Lutz:

too.

Christine Van Bloem:

she's

Emily Lutz:

Unbelievable.

Christine Van Bloem:

Totally love her, but you all have this little group that, like, with birthdays, like, tell everybody what it is that you guys do, because I just think it's so cool.

Emily Lutz:

Yeah, and you know what? It's such a lovely group. It is just, I, whenever I, I gather with them afterwards, I come home and I'm like, it was just easy. It was just easy. So yeah, we try to get together for birthdays.

Christine Van Bloem:

But you guys do, like you do, like, a thing for birthdays. It's not a, oh, we'll go to lunch. You guys do, like, a thing.

Emily Lutz:

That's probably also thanks to Laura.

Christine Van Bloem:

is. She's a ringleader.

Emily Lutz:

Yeah.

Christine Van Bloem:

She is. I'm so glad she uses her powers for good.

Emily Lutz:

I grab onto her coattails and go for the ride.

Christine Van Bloem:

Well, they all get together and like you'll do an event, right? Like you're always sure to do something. I know you've gone and you

Emily Lutz:

You know what we did? For the holidays we just had an We gathered for a little, You know, Christmas time brunch and someone suggested Instead of buying each other little gifts, We make them. For me, right brained, whatever I am, Not something I was like, Oh my god, I start googling. So I walked around my house and I found like I have a bunch of corks. I saved all the corks from the wine.

Christine Van Bloem:

Yeah.

Emily Lutz:

Not gonna tell you how many. So if you google you know, craft with corks. I made a trivet out of corks.

Christine Van Bloem:

That's nice.

Emily Lutz:

Right?

Christine Van Bloem:

Yeah, that's a good one. That, and Cork is a great trivet.

Emily Lutz:

guess how much creativity that takes?

Christine Van Bloem:

How much?

Emily Lutz:

Zero.

Christine Van Bloem:

See, I disagree.

Emily Lutz:

just glue them together.

Christine Van Bloem:

but I disagree. I think that's amazing.

Emily Lutz:

Yeah. That's

Christine Van Bloem:

I, I love that. But do you think that having the really strong female friendships at this point in your life, because a lot of people start to get lonelier. At this point when the, the kids are gone and

Emily Lutz:

And that's, no, I know how valuable that is. It's the most valuable thing, honestly. And if, if I can help other people somehow make those connections, that would be a dream of mine. Yeah. It is the, it is. Yeah. It's what, it's what really life's all about.

Christine Van Bloem:

that's so good. That's so good. Emily, I'm so grateful for you coming on today and introducing people to the idea of the Daily Money Manager.

Emily Lutz:

Well, thank you for having me. This is just this flu. Woof.

Christine Van Bloem:

It's so fast. I told you.

Emily Lutz:

I was like, wait, we just started.

Christine Van Bloem:

It's so much fun to do. I'm super grateful that I, well, this is a thing, right? This is one of my things that I'm doing it only because I love it. And because I get to talk to, truthfully, people. the neatest people, the coolest women. And it's just been so much fun learning about what people are doing, you know, whether it's something new or whether it's making wine cork trivets, which takes zero creativity, which I disagree with. But if somebody, if somebody wanted to ask you more questions or get the lay of the land, where can they find you?

Emily Lutz:

I have my website, libertypaperworksolutions. com.

Christine Van Bloem:

And I'm going to put a link in the show notes and all of that good stuff, because I will tell you, I just think it's such a neat service. And I know you can be any age to utilize it. I totally understand that. But as somebody who's gone through, You know, parents aging, like so many of us, my, I always say my four listeners. So my four listeners, I'm sure they're in the same boat. It's really such a valuable service. So thanks for offering it. And Emily, thanks for taking the time to be here.

Emily Lutz:

Oh my God. Always so fun talking to you.

Christine Van Bloem:

Oh my gosh, you're the

Emily Lutz:

Keep doing it. Keep doing it.

Christine Van Bloem:

You keep sending cool women my way. I'm telling you, I am looking for the neatest people and it's like, it doesn't have to be the job they do. It can be something they do on their own.

Emily Lutz:

right. I'm putting that underneath Amaretto Sour.

Christine Van Bloem:

Amaretto Sour, and I'm telling you, do the

Emily Lutz:

Cool

Christine Van Bloem:

sour mix the right way. Do the sour, and it's so funny because Almost every woman I have talked to about this and I've said, listen, you would be so great. I would love to just have a conversation with you. And they all say, Oh, I don't think anybody would want to hear. I mean, I don't have anything valuable to, and I, I stop them and I'm like, you're so cool. And you don't even see how cool you are. You know, I want. Well, all of the women that I'm closest to, they're like, Oh no, what would I talk about? So I'm like, you're amazing. Talk to me. So,

Emily Lutz:

you, you help bring it out. So

Christine Van Bloem:

Oh, stop. All right. So you can find Emily at LibertyPaperworkSolutions. com. And if you have questions, please reach out to her. She's just cool. And you're going to love to know what she knows and she'll lend you a hand there. So as always, I'm so grateful for everybody taking the time to listen and I'll see you in the kitchen.