Investing in Children’s Financial Literacy with Courtney Hale

Evan Holladay: Hey, everyone. Welcome back to Monumental. I'm your host Evan Holladay, and today we have on the show with us Mr. Courtney Hale. Courtney, how are you doing, man?

Courtney Hale: I'm doing pretty good. Thank you for having me.

Evan Holladay: Yes. Really glad to have Courtney on today's show. Courtney has been introduced to me by a good friend, a mutual friend of ours, Isaac Addae, who was previously on Monumental. That was another great episode, but really want to dive into what work Courtney is doing. The awesome work he's doing with Knowledge Bank, and a little bit of his story as well.

Before we get started, I really want to also dive into quickly why we're here, what we're doing with Monumental, what is the purpose here and what we hope that you guys get out of this. Our goal with this is to build a community of Monumental dreamers and thinkers, and doers just like yourself watching this or listening this today. Sharing stories like Courtney's who has been able to have monumental positive impact in the world, and been a leader and been an entrepreneur, and really hoping that we can all have that monumental impact.

Also, if you enjoy today's episode or if you enjoy Monumental or if you've listened in the past, please subscribe, rate and review the podcast on YouTube, wherever you're listening today. That really helps us grow our audience, and helps us have even more monumental impact.

Courtney Hale, really excited for this. He's a dreamer, social entrepreneur, financial literacy advocate, adjunct professor and real estate investor. However, his most important title is father to his daughter, Ever. Courtney is the founder and Chief Hope Dealer of Knowledge Bank, a serial enterprise that creates experiences to improve the financial literacy of youth.

Through his work, Courtney has helped young people save over $300,000 and set over 1,000 personal financial goals. He's also the creator of Super Money Kids and the Super Money Bank, and the Super Money Curriculum. One last thing I want to touch on before we dive in, he has also appeared on The Ellen DeGeneres Show, which is pretty amazing, among many other things.

With that, Courtney, why don't we just dive in and tell our Monumental listeners a little bit about who you are?

Courtney Hale: I'm a product of North Nashville, a very historical part of Nashville. Lots of history, and I think that being from that area, you grow up with something extra where you want to be impactful, where you want to be meaningful. Later on in my life, some of those things came to fruition.

I went to Tennessee State University, graduated with a degree in economics and finance, worked in the financial services industry for a while. Through that work, I realized that there was a major need for our young people, and that being the need for financial literacy.

There wasn't a place or a person that we had, that young people had access to, to get the information that they needed. That's a travesty, because of all the things that our young people are going to do after high school regardless of their background, their demographics, all of these things.

The one thing that every young person is going to have in common at the point that they turn 18, is that they're going to be responsible to manage their own money and nobody was doing anything to help out with this. I looked around for a solution, and then sometimes you just have to look in the mirror and say, "Hey, if you care enough, you create the solution." That's how Knowledge Bank started.

We started as a summer program. The very first summer we did this work, we hosted a series of 10 workshops for five teenagers. Then two summers later, we had reached a point where we had no more capacity for any more students. The YMCA reached out and asked us to help them incorporate financial literacy into a program that they had.

That quickly expedited the growth of the work that we were doing. We restructured and then some years after that, I created Super Money Kids to target elementary and middle school age students. That has really become the predominant brand of our company. That's the story.

Evan Holladay: I love it. Was there a specific tipping point for you, or an experience, or an anecdote? That eventually you're like hey, I need to start Knowledge Bank like this. Somebody needs to do this, I'm not seeing it, this is my time.

Courtney Hale: There were some things that were out there that I just really didn't feel like it spoke to primarily students of color in inner city schools and Title I schools, the type of schools that I went to. There was very little available, but I felt like we could create a really compelling message that would resonate in these schools. Create a level of engagement using creativity as our own unique advantage to really make an impact, and that's what we did.

Evan Holladay: That's interesting, and I completely agree with you. I think across the board, there's just lack of opportunity, lack of education. There's a massive void between where the opportunity is, especially within financial literacy for communities of color and also lower income communities.

I think that it just compounds on itself, because generation after generation, if they're not learning financial literacy and not learning how to save and not learning how to take the steps to financially protect themselves, then the family themselves will never get out of that situation.

Courtney Hale: That's a really interesting point that I've never really thought about. When you think of the meaning of compound interest, you think about compounding growth. We get that, and we talk about that a lot in the world of finance, but there's an opposite side of that to where you can compound your losses, compound poverty.

If you think about inflation, if someone in your family makes the same amount of money for three generations, you're losing even more money. It's much more difficult today to find a livable wage than it was 20, 30 years ago. I always think about growing up and knowing other families who had parents who didn't have a college degree.

They just went to high school, but they had these really middle class jobs making $75,000 a year. That really doesn't exist anymore. You can't have a high school degree and make that kind of living today. Again, if you perpetuate a cycle, lack of education, lack of access, there's this reverse compounding that's happening and we're seeing that all over the country. We believe that Super Money Kids is a solution to their problem.

Evan Holladay: Yeah, that's interesting. I like that. Maybe we just created something on monumental, the reverse compounding. That's a great way to put it, because I think you're right. I think it compounds on itself. I think what you guys are doing with Knowledge Bank and Super Money Kids is exactly what a whole world of people need right now, and they have needed for a while.

Could you dive into what were the formative steps of creating the first generation, and then how you got to where you are today with Super Money Kids?

Courtney Hale: I tell people all the time, let's say something happened. I had a massive data breach, or I lost all of my documents in cloud storage and laptop fails, and I don't have anything, I am not able to recreate. I'm not able to do all that over again. I don't have it anymore.

I've talked to people about this before, I don't know if that's just a me thing or people get to a certain point in their businesses, where you've done the grind thing and you're at a different level. You're like, "Man, I hope I never have to do that again." But starting out, we talked about a few things that existed then in terms of youth financial literacy.

I would go and look at all of that stuff, and then think about almost how to re-message it. How can we recreate this in a Knowledge Bank way, with the Knowledge Bank flavor? We did word for word, definition for definition, topic for topic. We created our own terminology, our own examples, our own scenarios. A lot of that work, I did personally.

When we first started doing it, I was the curriculum developer, I was the presenter, I was the secretary, I did all of the work. Today, fortunately, we have a team of about 15 people that help us pull some of the amazing things, the Super Money Kids digital program. Those amazing characters, the colorful videos, those banks that you see the little superheroes that are great.

We've just been really fortunate to get to a point of growth and support to where I can do a little bit more delegation than before. But it was literally create the curriculum, and then let people know that you're out there. I told you I was at Tennessee State getting ready to do a presentation. It's a two-day thing, it's tonight and tomorrow.

Tomorrow, we're going to talk to them about investing in themselves and how you leverage your social networks, your professional networks, and be able to sell yourself. For years, that's been the thing that I've had to do is to show my credibility, show my creativity as well.

We're just now getting to a point where I don't have to do that anymore. If you can imagine having to create content, having to identify partners, find funding, and having to sell people on your credibility, because the people who've done financial education in the past and where that's been delivered, they didn't look like me.

I mean that in terms of race, I also mean that in terms of age. I also mean that in the sense of style and culture, because I'm going to show up today in my plaid, skinny pants and my casual sneakers. People will be looking at me, bank, schools, everybody, parents, like, "Can we trust this dude? What's going on?"

We're just happy to be at a place now where we've done some amazing things with the young people all around the country. We don't have to do that part anymore, but if I'm having to talk to somebody who's just getting started, who has an idea and they want to figure out how do I this?

I'd say get started on a small scale, test it out, get feedback and grow from there, but do it. Get started, don't get so caught up in all of the details. In names and branding and colors. Just do the thing.

Evan Holladay: It's funny you bring that up, I literally just posted a TikTok 30 minutes ago. It was a short one. I was like, "I don't know who needs to hear this, but just take massive action. Don't go through analysis paralysis. Don't get in your head. Just be confident and take action, and things will grow and you'll also get more clear. The action will bring more action and more momentum."

Courtney Hale: Absolutely. Ask two people about that idea. Two people you know, you trust their opinions. If both of them are like, "Yeah, I think you have something here." Do it immediately.

Evan Holladay: I love it. Knowledge Bank is very impact-driven, you're really giving people powerful tools. Why is that important to you? Why is impact important?

Courtney Hale: That's an interesting question. I talk a little bit about just where I was from, and how being from North Nashville has influenced who I am. I also come from a very generous family. I mean, Evan, if you met my grandmamma and my aunt, man, they're going to invite you and they're going to feed you. They're going to ask you how your day was. You're going to feel like you've known them for your entire life.

I think there's part of it that's just maybe a part of my genetics, but the other thing is we have the power to mold the world that we want. We have the influence to be able to do that. At the point that I realized that, I saw the lack of financial education as a problem, I knew that we needed it. I was like, "Okay, well, I can create a solution." It takes some courage, but I've always wanted to do work that was meaningful as well.

It's funny, I used to be a wealth manager where in some regards or at least the way they used to train us back then, it's all about sales and building up a nice book of business. That was never enough for me, because I really wanted to help people.

You grow somebody's portfolio, you're helping them. But that felt like there was a deeper way that I can help, and I never found complete fulfillment in that. Now we get to change lives, and we get to see it. Sometimes in the most immediate way. For me, if you can make a living doing something that you love that's changing lives, that's the perfect formula for a happy life for me.

Evan Holladay: Yeah, I love that and I want to bring back up one of your lines. We all have the power to influence the world we want. I think that's spot on, and that gets me excited. That's what we talk about every day at Holladay Ventures. What we do is we get amped up about impact investing and pulling people's capital together, and providing real positive impact for the residents, for the community.

You and I've talked about how can Knowledge Bank and Holladay Ventures work together and create those levels of opportunity for residents that have historically been in disadvantaged communities, and give them the leg up, give them the knowledge, the power, the education, the tools that they need to actually get out of affordable housing.

I love that you brought that up. Even going back to what you said about the seminar you're doing at TSU right now, is you're teaching people how to invest in themselves. I think hands down, that's the best investment anybody can do is in their own education, because that's something nobody can take away from you.

You can go broke, and you still have that education and you still have that mindset. I think that's really powerful. Everybody needs to wind back, rewind the last two minutes and listen to that because that was powerful.

Courtney Hale: You said something else that triggered something for me. The number one question that I get from kids and adults alike is when should I start investing? I give people the same answer every time that we're all born with one investment. We're all investors. The day that you're born, you've become an investor and the first investment that you're given is yourself.

You're your first investment, and you want to take care of that investment because without you, your abilities, you can't do anything else. I mean that in a sense of health and spirituality, and mindfulness. All those ways, but also in terms of your ability to earn income, your ability to build wealth. So increasing your knowledge, reading, podcasts, meeting new people, all of those things increase your ability to build wealth. You got to take care of that first investment.

Evan Holladay: Yeah, I love that. As far as Knowledge Bank and what you've done to be able to give the tools like Super Money Kids, give that to elementary school kids and middle school kids. First off, why kids? Then also, how have you been able to put that program together and put it into action, and make it successful?

Courtney Hale: We start teaching our children various skills and behaviors at an early age. We teach them hygiene, we teach them to be respectful, problem solving abilities, language. In this country, money is a language. It really is, and we just have so many people that don't speak the language.

In my mind, well, let's start teaching the kids when they can speak the language because the same way our vocabulary expands as we get older and better educated, we can do that with the language of money as well. One of the things that we like to say is you should start talking to your kid about money as soon as they can sing Baby Shark.

When you start having the conversations at some level when kids are young, they grow up with that being a norm and an expectation, and they build confidence around it. That's the reason why we want to start young. When we first started Knowledge Bank, we were only working with teenagers and we realized that there was a need for some prerequisite work.

Then at that time I had a daughter, and she was blowing me up in Target every time that we went in there. My wife at the time, she'd be like, "Hey, you're the money kid guy. You need to do something with your own daughter." That became the beginning of Save, Spend, Share before we had the little superheroes.

In terms of incorporating it with schools, what schools are realizing is that there's a correlation between - and I want to be careful here. I'll clarify what I'm saying, but we're seeing a correlation between academic performance and poverty levels. Academic performance in the poor schools in any major city, you're going to see that that's going to align with where poverty is.

In addition to providing education and support for achievement, schools are realizing that they also have to provide support for the whole student. When the majority of your students or your school live in poverty, it becomes irresponsible in my mind to teach them to be smart and be a good person, but you're not teaching them how to make a living.

That's the message that I give to the schools that we work with, and also to the corporations that we talk to who sponsor our work, who help us be able to deliver in schools for free. It's like we want smart kids, but we're not teaching them how to make a living. That's anti-American. People, they understand that and they're realizing that. There are many more doors that are open to us now because of this understanding that we're having socially about our schools.

Evan Holladay: Yeah, I love that you brought that up. I think that's very parallel to how we think on the housing side. It's like if families and children don't have a safe place to call home every night, and they have to keep switching homes every three to six months or whatever it is, because the housing costs are taking up 70% of their annual or their monthly budget, then how are kids going to even be thinking about learning if they don't have a stable place to call home?

They're going to constantly be in this high stress environment, and they're not going to have time for learning. It's the same thing as what you're saying is why are we teaching people certain things that don't necessarily actually help them in the workplace or help them make a living for themselves, but we're teaching them about the elemental table?

Different things like that where I agree that that has value, that has merit, but there's also things on top of that that we should 100% be teaching. I agree with you, starting as young as we can. Starting as soon as kids are ready to learn, because they are like sponges. They will soak up things, they will listen to everything you say. They will repeat it, they will remember it for the rest of their lives.

That's powerful formative years that you have an opportunity, and it goes back to what we said earlier about compounding. If you can give somebody the tools and the knowledge at three, four, five, six years old and even elementary school, that gives them an extra 10 to 15 years to really soak up and internalize that knowledge, and take it and put it into action. I love it. Super Money Kids, I also love the name. That's awesome. You're doing this directly in schools, and then are you also doing it online?

Courtney Hale: We are finishing up for the very first time a self-paced course that families can actually purchase and complete with their children. We are on track to have that complete the last week of July, and we're really, really excited about that. It's Super Money Kids Home Edition. We use the bank as an instructional tool.

We teach our young person the three money habits, save, spend, share. Then our extra habit of earn, where they learn about earning money and two different ways that they can earn money. In that course, they set a savings goal that's not only an amount of money. It's also what they're going to do with the money.

We teach them that you want to save for a goal that's going to create opportunity for your future self. Saving for a gaming system or sneakers or whatever, that's cool because you develop the habit. I'm all right with that, but when we can actually teach our young people to invest in themselves, back to that again, it just has a lot of value. That also creates an entrepreneurial idea through that course as well, so we are super excited about Super Money Kids Home Edition.

Evan Holladay: That just makes me think of have you ever played the Rich Dad Poor Dad board game, or the cash flow -

Courtney Hale: Is it Rat Race?

Evan Holladay: Yeah.

Courtney Hale: Yeah, I've played it.

Evan Holladay: I have not played that, but I really want to. I think I need to get that one, but I love that idea of bringing it home and making it a family aspect like we talked about. Bringing the parents in, because they are the mentors of their own children in a lot of ways.

As a side note, like an anecdote from my own experience growing up, my dad helped me set up a bank account when I was six years old. That was probably one of the most formative, directional, helped me become part of who I am today because I literally got a statement every month, and it told me how much money I had in my bank account.

I was like, "I want that to grow. I want that to be a bigger number." I think that's really powerful. I was six years old, I was not thinking about money. But as soon as I got my bank account, I started thinking about it. Then next thing, I'm selling candy, I even sold some my own toys to make money. Just got creative with it, and that led me down the direction I am today.

Courtney Hale: Exactly. Doing that at an early age. My daughter, we did a couple of things with her and some of her friends. They do the lemonades, well, things have changed since. Personal things that have happened in my life, and COVID as well. Prior to that, they did lemonade stands. Then in the winter time, they did hot chocolate stands in the winter.

They would get all their old clothes, and we'd do this huge yard sale. These little girls had some really good stuff, so those are some of the best yards that you could ever pull up at and they loved it. They liked to see the money, they liked the transactions. They'd have it set up to where everybody had their own job.

There's this assembly line created for all parts of it, and now my daughter is like, "So when are we going to do that again? What's next?" She's figuring out just different ways that she can make money, and she realized as she told me a couple days ago that, "Dad, I don't really have a lot of money in my share bank. I need to do some things to make some more money."

She's six, we have adults some places who are struggling to make ends meet and they're sitting around sometimes twiddling their thumbs. Back to your earlier question about why is it important to start early? It's because it becomes a behavior.

Evan Holladay: Yeah. We keep talking about, it's investing in yourself and investing in your kids. As far as the overarching, where you see this impacting outside of financial literacy, have you seen that in the students that you're helping?

Courtney Hale: Yeah, I have. We say that we're empowering the next generation of creators, dreamers and innovators. That's really what this work is about. It's not about a budget and having high credit score. It's about the opportunities that are created by you doing those things. We talk about behaviors, we don't talk about habits.

We talk a lot about your dreams and your talents, so our most unique gifts as humans is in our ability to create an imaginative dream, but we have so many people in this country that aren't able to do that because they are trapped by poverty, or lack of vision, or a number of different things. Through financial literacy, we're building courage, we're building hope and creativity.

If you're going to be an engineer or if you're going to be an artist, you know what it takes for you to follow the path that you want for yourself and how to make a living, and how to take care of yourself doing that. I was talking to an artist earlier today, who wants to do some more community work and have more of a foundation connected to some of the creative things that she's doing.

She was like, "I'd like to figure out how we can bring financial literacy in with the arts." I was like, "That's easy. You can't be an artist without figuring out how you're going to get paid, or how you're going to pay for supplies, or marketing." It's like we're activating a part of the brain that a lot of creatives just don't utilize, because that's what they are. What we're doing is we're helping people nurture their talents. Financial literacy is just the way that we're doing it.

Evan Holladay: Yeah, I love that. Side note, we're working on an artist lofts development so we may need to talk about how incorporating financial literacy into that community. I completely agree, I think all artists, successful artists at the end of the day, are successful entrepreneurs because you have to be, or you have to at least inform the team around you who can help fill the things that you're not good at, or you don't want to be doing.

A big piece of that is understanding finances and bringing more money in than you're putting out, and growing your business. I think that is powerful. To that point, where do you see Knowledge Bank and Super Money Kids, what gets you excited about the future for what you're doing?

Courtney Hale: The plan for Super Money Kids has always been bigger than just banks and curriculums. We're getting to a place to where we really want to expand the brand through merchandising, through animations and digital content. It's funny, in Nashville there's a group working on a theme park that has an emphasis on reading.

As I was watching the video for that, I was like, "I can see a Super Money Kids exhibit in the theme park." That's what we really want it to be. We want you to be able to engage with the Super Money Kids cartoon, while wearing the Super Money Kids T-shirt, while reading the Super Money Kids book to your children at nighttime and following that entire series.

Then when it's your kid's birthday, and they receive money from their friends and family, they can put it in their bank and keep up with how much is in their bank through their Super Money Kids app. We really just want to build a brand around it that's dedicated to financial literacy, because we don't have anything that exists like that.

We have Hello Kitty and Angry Birds was a big thing at one point. We've seen things just create this following, and Harry Potters of the world, but we want to do that with something that has meaning for all of our kids.

Evan Holladay: Yeah, I love that. That's really where you can take hold of culture, and use culture as a tool to be able to spread the knowledge and spread the personal development and the growth that can come from financial literacy. That's amazing.

Courtney Hale: We're really excited about these next phases of what's to come.

Evan Holladay: That's awesome. To that note, the way you describe it, it's like a brand, it's a movement. The Super Money Kids is the vision or the mascot almost. Actually, we just had a meeting. We do quarterly meetings for Holladay Ventures, setting goals for the next quarter and looking back at the last quarter.

One thing we were talking about is we'd love to have a mascot that really embodies everything that we do, and everything we do in the community and the investing and the impact investing. Something that resonates with everyone, it creates a movement and helps us create a movement around providing quality affordable housing.

I think that's part of it too, is it has to be bigger than yourself. It has to be a brand, it has to be a movement, it has to be a mascot that can help push the message and push the story along, and help people get excited about it and want to take action and learn from it.

Courtney Hale: Absolutely. It's important to be able to speak to who we are, and the culture piece. Taking hold of the culture is just so important. That's what we're working to do.

Evan Holladay: I love that. I want to ask you this question, because I got this question recently. For entrepreneurs and leaders who are like, "You know what? I want to have impact. I want to help the world, I want to make the world a better place, but it just doesn't seem to align with my business." If my business is not inherently impact-driven, what would you say to somebody like that?

Courtney Hale: I'd say think harder. Especially in business, where in business the whole objective is to create something for as cheap as possible and sell it for as much money as possible. When you just look at just the foundation of what it means to be a capitalist, you can start there. What are you using to make your products? What are you paying your people relative to what other people are being paid?

That's one area, and you don't have to get that deep. You can just say, "Hey, I want to give 5% of my profits to a cause that I believe in." Then it takes all of that other investigation out of the scenario, which is I just want to give money away because I'm successful. You just find something that you care about.

Whether it's 5%, 10%, it maybe more than that. It maybe 2%, whatever. Just everything that you do when you're giving, it's an energy. It's not so much about the amount that you're giving, it's about the act and what happens in the universe when you're being thoughtful. That's another way.

Something that my wife and I did when we first started getting into real estate, we looked around Nashville and were disappointed in terms of what was being built in certain places. Just the quality, we felt like being subpar. We made a commitment that if we ever got to the point where we were building something, we would never build something that we wouldn't live in ourselves in terms of design, in terms of function.

Actually, this conversation started because we saw some things in terms of function that didn't make sense in some residential builds. We were like, "We're not going to build something that we wouldn't live in ourselves." We're not giving away anything, we're not tutoring kids, none of that. It's just that was just a thoughtful thing that we wanted to do.

We also said that we wouldn't invest in projects that we didn't believe in. Again, there's somebody watching this, and there are people who just don't believe that there's a place for intrinsic value and financial value, and I disagree. Back to what we said earlier, we can create and mold whatever world that we want to, and so we can create that value if it's really important. Those are just a couple of examples that I think people can take if they're interested in creating some type of social impact aspect part of their work.

Evan Holladay: Yeah, I love that. You started with think harder, and I think that's spot on because I agree, I think you can find ways to impact in any business. There's so many ways you can give back. You can give back to your work, or you can give back through the profits you make from your business, like the group I was talking to was a real estate group.

I brought up self-storage as an example of just saying that inherently may not seem like an impact-driven business, but there's ways where you can put solar on the roof of all that flats area that could provide energy, green energy for their property, and maybe even the neighbors or the city. They could sell back to the city.

The other one I said was they could even look at donating a few of their units to local nonprofits, for families that are in need of moving from one apartment to the next that need some short-term storage, and maybe need a discounted rate. There's ways that you can use your business model creatively to be able to make a great return, to be able to make impact. Potentially even that impact could bring you even more business. That's the beautiful thing of it.

Courtney Hale: I'm sitting here listening to what you're saying just about adding the solar panels, and what they can do in terms of energy for a neighborhood and some of the other pieces. I'm like, "This is an amazing opportunity for that company to create some differentiation." We'd like to hear those stories as a society.

Even people who are super negative and just think everything is dead. When there's that story that comes on about somebody doing something nice, they want to hear, they need that in their spirit. When you see that you're like, "Dang, I want to support that company."

Some friends of mine, they started a moving company in Nashville several years ago. The timing was impeccable for when they did it, but they were like, "Hey, we want to have an environmental piece of this." Every time that they did a move, they planted a tree and they use environmentally friendly packaging.

That company was called the Green Truck Movers, and their company did really, really well because of that additional peace to do something good for the community. Obviously, I don't know how many people know the story, but those same guys ended up selling that business and are now the owners of Slim & Husky's, the creators of the super popular pizza franchise. That was their first company, it was just something small. All they did was they just planted a tree, and they were planting at school or in a community and it really set them apart.

Evan Holladay: I love that. Well, let me dive in and say I feel like we could keep going and going. But for the sake of time, let's dive into our Monumental questions.

Courtney Hale: Let's do it.

Evan Holladay: What does success mean to you?

Courtney Hale: Success for me is being able to take care of my daughter, leaving a legacy for my daughter. Having impact on society, and making a lot of passive income. Those are the three pillars of success for me.

Evan Holladay: I love it. That's awesome. What about daily habits or morning rituals that you have?

Courtney Hale: I wake up in the morning, soon as I open my eyes and I say, "Thank you. Thank you for another day. Thank you for my bed. Thank you for my family, my talents." I just have a moment of gratitude before my feet even touch the floor. Some days I work out.

Even before I work out, I'll do a morning meditation to set my intention for the day and what it's going to be like, and what I'm going to do. I cook my daughter breakfast just about every morning. That's my morning routine.

Evan Holladay: That's awesome. I love it. Last question, what about favorite book or book you're currently reading?

Courtney Hale: Favorite book. There are two books that come to mind immediately, so those are the ones I'll talk about. Trevor Noah's Born a Crime is one of the best books that I have ever read. Fiction, nonfiction, self-help, whatever. He has an unbelievable story that is just sad, it's tragic, it's beautiful. That's the first one. The other one is The Four Spiritual Laws of Wealth.

Evan Holladay: I love it.

Courtney Hale: Spiritual Laws of Prosperity.

Evan Holladay: Four Spiritual Laws of Prosperity. Nice. One other caveat question to that, what about favorite book for financial literacy for kids? I put you on the spot.

Courtney Hale: You did. I don't have one. Maybe that one is on the way.

Evan Holladay: Let us know when it comes out. Well, Courtney, amazing episode. I got a lot out of this. I really resonate with this, I know our Monumental listeners will as well. I know they've probably really enjoyed today's episode. Thank you again, Courtney. Where can our Monumental listeners follow you, reach out to you or connect with you?

Courtney Hale: supermoneykids.co online, Super Money Kids Co on social media, Super Money Kids CO.

Evan Holladay: Boom. Guys, take Courtney up on that. He's doing amazing work. Also reach out to him if you're interested in partnering with them, or helping them continue their mission. Also, keep in mind what Courtney said about taking massive action and remembering if you don't think you can have impact in your business, think harder because it is truly possible with everybody's business.

It really has so much value to you and those you serve, and really can come back to pay dividends in so many ways. Thank you, Courtney. Guys, if you enjoyed today's episode, please make sure to share, like, rate, review. Whatever platform you're on, Apple podcast, Spotify, YouTube, we're on it all.

Please be able to share this as well with your community, with your friends, with your followers. Please let them know you're listening and enjoying today's episode with my man, Courtney. Guys, with that, have a monumental day.