Lets Just Talk About It Podcast with Chuck

(Ep.92) WE R.I.S.E with guest Tracy Lyles

• Season 2 • Episode 92

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Losing a father isn't just a heartbreak; it's a wake-up call to the realities of financial preparedness—or the lack thereof. Tracy Lyles, joining me from her roots in Norfolk, Virginia, brings to light the touching and transformative journey that led her to become a staunch advocate for life insurance. With raw honesty, she discusses the influences of her childhood, the imperative of self-growth before marriage, and the empowerment that financial literacy can bring to communities. Her nonprofit, We Rise, stands as a testament to her dedication, rising from a relief effort amidst the pandemic to a beacon of support, teaching the indispensable skills of credit building and fiscal responsibility.

Amidst the laughs and the occasional sighs, Tracy and I tackle the elephant in the room—why so many of us are ill-equipped to handle our finances or the aftermath of a loved one's passing. She shares her poignant epiphany, rooted in the loss of her father and the discovery of a missing piece in their financial armor. The conversation steers through the intricacies of life insurance, demystifying terms, unpacking the concept of living benefits, and stressing the crucial role of insurance against unexpected health care costs. It's not just about numbers and policies; it's the narrative of caring for your family even when you're no longer there to do it in person.

As we wrap up this heart-to-heart, I'm reminded of Tracy's resilience and her mission to pen love letters to the future in the form of life insurance policies. Her story is one of hope, a reminder that legacies can be built with foresight and care. To everyone tuning in, let's keep this conversation going—reach out, share your stories, and let's ensure we're all writing those love letters for our families and talking about it is the first step to understanding it.

Chuck:

Hey, welcome back to another episode of let's Just Talk About it podcast. I'm your host, chuck, and if you're here for the first time, this platform was created to give genuine people just like you an opportunity to share a portion of your life's journey. So, with that being said, on this episode, I have special guest Tracy Lyles on with me today, but we have a great conversation about life and what she's up to now as an advocate for life insurance and having her own nonprofit organization called we Rise. So you don't want to miss this amazing conversation today. As a matter of fact, do me a favor Go and grab your husband, your wife, your children, or even call a friend and gather around to listen to my conversation with Tracy on let's Just Talk About it podcast. Hey, let's jump right in. Thank you so much for tuning in to let's Just Talk About it podcast Today. I have a good friend of mine, miss Tracy Lyles, on with me today. How you doing, tracy? I am wonderful, good to have you on.

Tracy Lyles:

Thank you so much. I am glad to be here.

Chuck:

Absolutely, tracy. I love to jump right into my interviews to have those genuine conversations with genuine people just like yourself, and I wanted to have you on to talk about your nonprofit foundation called we Rise and also the importance of life insurance. So yeah, so I just want to talk about that today and so the listening audience can hear about what you're up to. So the first question I love to ask guests on this show is where are you from?

Tracy Lyles:

Well, thank you so much for having me again, and I am from Norfolk, virginia Grew up there, went to Norview Elementary, norview Middle and Norview High School.

Chuck:

All of them, all of them Shout out to Norview.

Tracy Lyles:

All of them Shout out to Norview.

Chuck:

All of them.

Tracy Lyles:

So born and raised in VA. Yeah, later on in life migrated to Virginia Beach and now in Chesapeake.

Chuck:

Wow, wow. Okay, let's go back. How was it for you growing up in Norfolk? How was that for you as a teenager in Norfolk?

Tracy Lyles:

Well, as a teenager, you know what. Yeah, the interesting thing about this is like you don't know, you're in a place that's maybe not too good okay, because you grew up in it and I don't think it wasn't not not a not too good place, right? Um, you know my parents were divorced, um, so I was back and forth from dad's house and then mom's house, but I had a pretty good childhood, no complaints there. But you still deal with the normal things that come with being a teenager, right, um, growing up. So still dealt with a lot of that, a lot of issues that may have stemmed over into adulthood, right, things that you don't know about. But, all in all, if I look at it, um, I don't have a story that says, oh, you had the worst childhood because, I did not.

Tracy Lyles:

Um, my mom and dad instilled so much in me, wow and um. My dad was the type of person he was about finances and making things, making short things in order, whereas my mom she was very outreach oriented got you. So both of those characteristics are definitely inside of me yes. I love that.

Chuck:

I love that. So we get older and we we think we've grown we leave the house. How was that for you, you know? When you left out of the house under your mother and father's roof, you know?

Tracy Lyles:

yeah, it was quite interesting because I left the house and I went directly into a marriage.

Chuck:

Okay, and.

Tracy Lyles:

I would say I don't know if I was ready for that marriage. I think I was a little bit too young, so that was quite interesting. You know, hopefully that person is listening. Shout out to him we were just young, okay, yeah, so after that I would say, you know, after that I gave my life to Christ, Okay.

Tracy Lyles:

So after that I would say, you know, after that I gave my life to Christ, OK, and that's where I started to get a lot of learning and growing people pouring in my life and as I think about that now and look back on that, God strategically hear me strategically place people in my life to get me where I am today through the experience. Yes, definitely important wow.

Chuck:

That's so important. Like you say, you know God will bring people in your life and you don't even know why sometimes, but it's to get you to the next place, your next place in life, you know, to prepare you, yeah, yeah, wow. What would you say to um, a young couple who's trying to get married right now? What advice would you give them as a, as a seasoned individual who's been there, as a?

Tracy Lyles:

seasoned individual, I would say make sure that you're healed. Yeah, inner healing um is very important to me and I found that sometimes we get in relationships and we put unnecessary demand and expectations on people from where we may be lacking and when we're lacking in something we see from our own perspective and our perspective may be wrong, right. So I would say I believe in counseling. I believe Christians should go through counseling. I know a lot of people don't Everybody.

Chuck:

Right. So I would say um, I believe in counseling, I believe.

Tracy Lyles:

Christians should go through counseling. I know a lot of people don't. Um, yeah, I think the Lord put that there for a reason, but I would say, definitely make sure that you are a whole person and that the other person is whole as well. Number one yeah, make sure he's safe and living for God, because everybody said he's safe, but uh, but make sure he's living for God. But just that will be my advice for them, just making sure that they're whole people before they're joining together.

Chuck:

That's amazing. That's amazing. You never know who's listening to these conversations. Because that's good to hear, because everybody you know comes from something. Nobody is exempt from life. So we all come from some type of trauma, whether it be insecurity or low self-esteem. And we bring that into the relationship.

Chuck:

So for you to say come in as a whole person, at least half, you know, halfway healed or something you know before you say I do, because that can cause problems After everybody goes home and they eat your chicken. Then you got to live with the individual. Yeah, you got to live with that person and then eat your potato salad yeah, you got to go home and deal with that.

Tracy Lyles:

You know we hear the pastor say don't enter this union lightly, and that's a true statement. You know you don't take it for granted, because we may look at people's relationships on TikTok or Instagram or Facebook. That's just what they portray, right, and I'm no relationship expert by far. But you can't believe everything, you see, because I believe relationships, not just a man and woman relationship as far as marriage, but even relationships at work. They are important, right, they're important, right. Communication is important. How you interact with people is important, so you can't enter anything lightly and I, like I said, just understanding who you are, making sure you're a whole person, communication, emotional intelligence is definitely necessary among everything else, that's good, that's good.

Chuck:

So so are you an introvert or extrovert?

Tracy Lyles:

I am definitely an introvert, slash extrovert I would say yeah, this is look, let me tell you something, so this is what I would say when I was was growing up definitely an introvert.

Tracy Lyles:

As my life changed, as I believe the Lord has been stretching me, I'm starting to come out my shell. But I would say, if one should be over the other, I'm definitely an introvert and sometimes people don't really understand what an introvert or extrovert is. Um, the thing is it's not that you don't like people, is I like to pull away and recharge, like that. Um, especially if I've been in a lot of meetings all day long, I have to have that quiet time to recharge. And that's one thing I didn't understand in relationships. Some people they're like all in your face and hey, let's go do this, let's do that, and there's nothing wrong with that. But I'm the type of person that if I had a long day, give me at least about an hour to myself and then I'll come out the gate again.

Chuck:

Okay, yeah, yeah. I think people feel like there's something wrong with being an introvert. I don't think nothing wrong with it. You know what I'm saying I think when you're an introvert, you can balance it, you can pull away and you can be around people at the same time, whereas being an extrovert, you panic when you get by yourself.

Tracy Lyles:

You just don't know what to do with yourself. I think an introvert is powerful.

Chuck:

You can balance them both. Yeah, you can Definitely you can balance them both. You know, yeah, you can definitely, yeah, definitely. People feel like you gotta be outgoing all the time, you know not.

Tracy Lyles:

So I want to be outgoing all the time, especially if you're in professions where you talk to people all the time in some cases not for everyone. It's, um, it can be draining. Yeah, right, it can be draining, but that's another story. When you can set boundaries on what you allow to come in your ear gate as well, right, so that's a whole nother conversation.

Chuck:

Got you. I think that's why we had nervous breakdowns when COVID came. We had to go inside and we couldn't handle the silence before we move on, I got one more question. What would you say? Okay, this is an era that you know, everybody's looking for love, everybody wants love. What would you say to a person who's looking for love today? You said it earlier because it's hard. It's hard finding somebody today. You know what I mean. It's hard being on a dating scene. So how is that for you? What advice would you give?

Tracy Lyles:

I know you said come here home yeah, it's, it's interesting um, it's a jungle out here, go ahead it is a jungle, but what I found is I've dated some interesting people. Okay, um, once again you have to, I would say, as a single person, truly know who you are so you're not pulled or swayed.

Chuck:

I like that into a different, yeah, into a different direction so hold on knowing who you are meaning, knowing your value, knowing your worth knowing your yeah, exactly knowing your value.

Tracy Lyles:

I think that's so important, right? So if you don't have any values, you're just going to accept anything that comes along, right, anything walking on two legs, you know. So you want to make sure that, even though that you know, you have a desire to be in a relationship, but you don't want to dumb down and just take. Right, and I don't know the statistics out there, but I think the statistics are, if I'm not mistaken, that there are more women to men than vice versa, right? So you know, you guys out there, y'all got y'all pick, right? Yeah, you got your pick. But you know what Some of us you know. You know, especially as you get up in age, um, you think sometimes people are slowing down, but they're not slowing down. That's what I found, but I do know that there are some good guys out there. So that's my experience.

Tracy Lyles:

I think, whatever age you are, you're going to experience some people that that are for you and that isn't for you, right, but you have to know that and you have to have the strength to know on. You know, sometimes that sign, those red flags, are visible and then sometimes, through you spending time with them, you know you'll start to see it, but do you have the strength to walk away? Or do you allow your feelings to say, oh, I can change him. And the truth of the matter is, you cannot change that person. A person, whether man or woman yeah, man or woman. And then, when you get older, right, people tend to get stuck in there or set rather in their ways.

Chuck:

So it's hard, yeah Hard, to break that mold.

Tracy Lyles:

Yeah Well, let the Lord lead you, let the Lord send them. How about that?

Chuck:

Yeah, wow, amazing. So moving forward. You have a passion and you created a nonprofit foundation, right? Yes, sir, yeah, called we Rise. What is that all about? Talk about it.

Tracy Lyles:

Wow. So let me talk about it. So we Rise stands for restoring individuals to soar in empowerment. Initially, it started back in 2018. Got you right, um. I believe it was a thought from the lord. I think every good and perfect gift comes from him. Got you, um. Met with some of my girlfriends up in northern virginia. We did like a um. She helped me. She was working on her doctorate. She helped me with a foundational business plan, um.

Tracy Lyles:

But to aside from that, I've always been a person that want to help. I've always worked in outreach. As I said, I got that from my mom, so that's that side of me that always wanted to help. So when I was at my previous church, I worked in, you know, outreach ministry. You know helping at the women's shelter, always wanting to help people with their rent, because financially, you know I struggle. You know I always said I would never tell anybody. So here I am telling everybody. Right, I would struggle, I would do good for a little bit and then I'll go do what I want to do. Then I find myself in this cycle.

Tracy Lyles:

But one of the things that I learned was I was like when I was really in need, it was like there was no one to help somebody that is single, right, it was always family wise, or they felt like oh, you make X, you don't need help. And people you know you do need help sometimes. Sometimes it's a lack of discipline, sometimes it's a lack of knowledge, but whatever it was, at that time I needed help. So, long story short assisting at you know the shelter, assisting others and giving away stuff. So COVID came Right and one of the things I wanted to do was I was like I don't want to sit in the house, right, it's introvert, don't want to sit in the house.

Tracy Lyles:

So started walking with some of my friends and then, as I was walking, one day, the Lord dropped in my spirit hey, why don't you, you know, use this opportunity to walk to help somebody? So I was like, hey, why don't I just go ahead and move forward with we Rise instead of me just, you know, sending random things out there, helping people? Why don't I have, you know, more of a structured program where the areas that I struggled that I can help someone with? And what do I mean by that? And what does we Rise truly mean? After I gave you the acronym?

Tracy Lyles:

So, basically, we would help individuals, right or single individuals, don't matter male or female, or family, who were struggling with their rent at that time because of COVID-19,. We would help them with their rent, so they wouldn't get put out Wow. So that was the basis of it. However, wouldn't get put out Wow. So that was the basis of it. However, it has grown into. Not only you know do we want to help you by giving money, but if there is an issue with understanding how to budget, if there's an issue with money management, we want to help you with that. I probably wouldn't personally help the person, but I have partnered with a few people that will provide that coaching relative to helping them with their credit Right and also helping them with building their finances as well. So we want to have a full package instead of just throwing money out there.

Chuck:

Wow. So this comes from out of your own experience. Yes, you know having that, like you say, that pattern of handling finance. So now you're able to help somebody else. That's where we rise. We rise comes from right.

Tracy Lyles:

Yes, yes, and basically it's all right. Sometimes, if you look at people, or maybe our sect of people, where people just didn't understand about finance, got you Right? Some people do and some don't. You know, no harm, no foul. Everybody's not, you know, taught the same thing, right? So the goal there is is that, okay, let's find out what the root cause is, because sometimes you can't just throw money at the situation, because people will find themselves in the same situation over and over again, right? So really, what is the root cause of it? You know, is it because you really don't understand money? Do you not value money? Do you have like a scarcity mindset? Do you have a poverty mindset, right, where you want to hold on to everything?

Tracy Lyles:

right so if that's never modeled to you from a child? Sometimes people, may you know, struggle to do that later on in life. So it's nothing to say look, they don't know how to do this. No, you just don't know how people were raised. So you have to look at the whole picture, picture right uh-huh and say, hey, really, what's going on here?

Tracy Lyles:

so what we've done, is what we'll do is, um, meet with the people right afterward and say, hey, not if you're interested, but now going for it is like, hey, we would like to help you pass that. And because we get a lot of requests, we try to also say, hey, are you open to going through a program? And if they say no, that'll let us know. You know?

Tracy Lyles:

on the onset yeah, if they really want it or not. But for right now, that part is still being developed right now. But right now we do sit down, we assess with them what the need is and ask the questions hey, if we provide you this money this time, what's to prevent this from happening the next month?

Chuck:

So how could people participate or, you know, contribute to we Rise? How could they do that If they, you know they hear you talking about helping somebody in the community who's struggling financially, just need some help, a little push? How could they get involved with Tracy?

Tracy Lyles:

I'm glad you asked so what they can do. They can contribute. Um, like I said every year, every year we do a fundraiser where I walk a hundred miles 30 days, right, and people can contribute, you know, a dollar, five dollar, twenty dollar a mile. But you know, I'm stepping up my level of faith right, because I believe we're doing a service for the Lord, because our goal, one of our goals with Rewise is to actually either procure a property or, in the interim, sub lease an apartment or get an apartment where a family can live there from six months to a year and get themselves together. However, they must follow a structured program. After the program they should have number one save money because they're not paying rent or have enough money or down payment to get a place and sustain themselves and or procure a house.

Tracy Lyles:

Wow, that's the goal Wow.

Chuck:

Reason why I said that? Because you never know who's listening. You never know who might hear your vision and want to. You know, contribute to what you're doing. They may have a place that you're talking about and they may say come, look at this. You never know. So yeah, just wanted to put that out there. So yeah, we rise. How do you spell that? It's we w-e rise.

Tracy Lyles:

However, you can find more information with we Rise for wwwtracylilescom and I have both the businesses out there we Rise and then also what I do relative to insurance.

Chuck:

Great segue, great segue. Okay, moving on to that, what you just spoke about, life insurance. Where did that come about? Because you sell insurance right, yes, yeah, on the side. So where did that come about?

Tracy Lyles:

because you you sell insurance, right?

Chuck:

yes, so yeah, on the side. So where did that come about? What gave you that, that passion for that?

Tracy Lyles:

once again it's you know, passing came from helping people, right? So I think it was back in 2021, 2020, my friend, the beautiful Juanita.

Chuck:

Okay, shout out to Juanita. She's going to hear this.

Tracy Lyles:

Yeah, shout out to Pastor Juanita. Okay, juanita Ricks. She had introduced me to the business. I wasn't ready at that time, right. And then, a year later, I was like you know what? This is something I had said I wanted to do Wow On an insurance company Right. Had said I wanted to do wow on an insurance company right. And I had said that like back in the 90s. But sometimes you just never know when things are dropped in your spirit, right, right, I'm like huh, because I work at it right right.

Tracy Lyles:

So I was like, what I do? You got to do with insurance, so I like kind of like push that off. But that has always been something that was in my spirit. I didn't even think about it until I started doing it. I said, hey, I'm going to want to do this. So I got into business around 2021 and it's been so eye-opening for multiple reasons. Number one I was the caregiver of my father before he passed back in 2012.

Tracy Lyles:

So, once again, remember, I told you about the story about my dad. My dad was financially astute. He always was a great saver. My dad was phenomenal. He had an awesome business mindset. Just needed to be focused, but he had a awesome business mindset and dad was all about preparation, preparation so dad had prepared me.

Tracy Lyles:

He, you know, had everything set um burial set, wow, you know, money set aside because he told me. He said I'm not gonna always be here with you. Wow, he always rehearsed that in my head, whether I wanted to know it or not.

Chuck:

Whether I wanted to know it or not whether I wanted to hear it or not.

Tracy Lyles:

Yeah, yeah, he said, because the day I leave here he said you may be in pain and you're not going to want to deal with the ins and outs of preparing for a funeral. He says so I want to set you up. And that he did every time when we called the insurance company to let them know that he passed. Or they said you know what your. So he left a great love letter and that's what I'm about to cry. But it's OK. The people that I is, we, you know in some cases we we don't think about insurance. But for those who think about insurance, we do not think about getting sick too soon, right when you may have to have some type of assistant care or may have going to the nursing home. So dad had dementia.

Chuck:

Wow.

Tracy Lyles:

And he had a stroke. So you know I couldn't take care of him any longer. So prior to him passing, he shared with me. He said I prepared you for everything but this, and what this was is that he got sick too soon, before time yeah, before time.

Chuck:

Got you.

Tracy Lyles:

And he didn't have money for that. So his house was paid for, right. He had money in the bank, but before um I think it's medicaid, if I'm not mistaken um, before they can hop in we had to do a spin down of his money because we didn't have other things in place, right. So we had to declare him broke and then they chose what nursing home he went in and it was subpar. It was the worst. Got you, it was the worst. So what I learned now, what we needed was a long-term care policy, and that's what we don't think about. We think of it as one thing, as burial. But you can use insurance for multiple things, right.

Chuck:

Yeah.

Tracy Lyles:

You know we can use. You know insurance has cash value. I know a lot of people don't want to use it but a lot of the wealthy use cash value insurance policy. But we do need a policy in place Should you get sick too soon.

Chuck:

So explain long term the difference between the insurance he had and long-term.

Tracy Lyles:

So back in the day, insurance was like you know, when they were growing up or whatever they had like the final expense policy, that's for after death, and they probably were like term policies. So there's two types of policies. They're your term policies, right, and then your policies that hold cash value. That could be an IUL, which is indexed, universal life, or a whole life policy. Those are two permanent policies and they last forever. Right, have a policy that may have what we call living benefits, and living benefits, say, if you lose two or three or more functions of your day-to-day life, you can tap into that policy to help you. Number one it could help replace income and it can help pay bills, and or it can help pay for a facility.

Tracy Lyles:

Now, the flip side of that you have what we call long term care policies, which that's exactly what is designated for long term care. Should you have to go to assistant living or nursing facility or need in home care? People are living longer. Some of the insurance company are saying, no, I'm not going to give you truly long term care, meaning I'm going to pay for you until you pass away. They're like, limited the long term care portion until about five to seven years. There are very few insurance companies right now that still have that traditional long-term care policy. However, you still need a policy right that can help you should you get sick, should your family member right End up in the nursing home, because those costs are very expensive. The average cost of assistant living in a nursing home and I think I'm on the low end right now is between $5,200 and $400 a month a month and I believe the 5200 is on the lower end.

Tracy Lyles:

Wow, it's expensive. So for the average person who doesn't save right, because there's so many people who have less than a thousand dollars in their account, right, right. So for the average person who don't save and don't have a policy, where are they going to go to get the money if they need that long-term care got you if an accident happened?

Tracy Lyles:

yeah and this is not just for people who are elderly, right, but there's 64 percent of people like this between the ages of 18 and 64 that need some type of quote-unquote long-term care, right? So we have to expand, um, our mindset when it comes to preparing right, because we're right now, people, I want this right now, but we won't do the necessary things to put things in place. So that's what you know. Dad was telling me I didn't prepare you for this part because he didn't know. So that only would. Yes, yes, not only what we rise, are we helping people, you know, with. You know their rent and helping them, you know, build their knowledge relative to finances. We're also educating right on the importance of estate planning, the importance of insurance and, by the way, I'm a licensed insurance agency. So you know, if you know, once we educate them, you know, should they and hopefully they would need a policy. You know, we're there to help as well, but our main thing is to educate. We need to educate.

Chuck:

Got you. That's amazing. So we won't fight at the funeral. We won't fight after the funeral is over.

Tracy Lyles:

Exactly when you have the proper things in place, you can eliminate the fighting.

Chuck:

Yeah. You can definitely eliminate the fight A funeral will cause a disruption between family members quick, yes, it will.

Tracy Lyles:

Wow, yes, it will Look all the time. It never fails. It never fails.

Chuck:

Wow.

Tracy Lyles:

It never fails.

Chuck:

So how can they reach out to you for that, in terms of, if they hear you and they want to get some more information about life insurance, long-term insurance, how can they get in contact with you for that?

Tracy Lyles:

Definitely through wwwtracylilescom, and then they just want more information. You know I'm able to sit down with them for about 15 to 30 minutes to just talk and see what they have. Because another statistic I wanted to share with you relative insurance. Right, it says over 100 million people in the United States are either underinsured or they don't have any insurance at all. So that means you may not have enough or you don't have any at all, which still causes the issue so your job insurance is not enough no.

Tracy Lyles:

So a lot of times when we speak with people, right, they said, oh, I got insurance in place which is group life insurance, not a problem. But what happens if you leave that job? I think it's rare where, um, that policies go with them. But with group life insurance, with some the majority of the organizations that that policy does not go with them. But with group life insurance, with some the majority of the organizations that that policy does not go with you. Wow, and people don't know that. So suppose, especially in this day and time, think about it. No one's job is secure. No, no one. So the question is if I left that job today and something lord forbid happened, would my family be good? Will they be able to sustain without me? Who's paying those bills? If I left bills, you don't want to leave your family bills, right, you don't want to do that. So it's like you want to have ample enough insurance that, hey, if I left this day, I I want my family to be good. I want them to be more than good.

Chuck:

But people are already in a place where they had to work two and three jobs. They're struggling to pay. They got kids and the insurance is high. You know what I mean. So they may want it, but it's a struggle to pay for it outside of other bills. You know what I'm saying. What would you say for that, though? That person?

Tracy Lyles:

I would say I would sit down with that person and do like a financial analysis with them to see where their money's going. Got you Right, and I understand definitely. You know that if they can't pay for something but it's like, can we afford it, right Cause if we go out all the time and eat, I would say reallocate your money. And I'm not saying that you start with, but some people that we speak with, in some cases they can't start with a permanent life insurance.

Chuck:

Right.

Tracy Lyles:

They'll start with term Start there. At least start somewhere.

Chuck:

Got you start with term.

Tracy Lyles:

Start there, at least start somewhere. Got you. And then the other thing is we have to change our mindset and say this is not a bill, right? So this is something to help build our future. Yeah, a love letter. And then you can always also build wealth with this as well. So it's like really understanding what's the need, right? Do you have anything in place if you were to get sick, if you were to, you know something were to happen. Is there really a price on that? When it brings a burden to your family? Wow, can you put a price on that? Can you forego a month of no mcdonald's to be a blessing to your family should something happen?

Tracy Lyles:

got you makes and, like I said and you're saying you were right there yes, sacrifice sometimes people, you know. Maybe they're in a deficit right now, not a problem, but let's help them get out that deficit Right Right, and get into something that could help them for the future. So that can go both ways, got you. So I never want to be insensitive to those who are, you know, truly struggling.

Chuck:

That's a great conversation about life insurance Very, very important. You're helping me and I'm quite sure you're helping a whole lot of other people who are listening.

Tracy Lyles:

you know what I mean yes, so that's what we're here for yeah, absolutely so.

Chuck:

As we wrap this conversation up, I love to ask this question to the guests if you could go back to talk to your younger self 13, 15 Tracy what would you say to her to prepare her for right now?

Tracy Lyles:

Girl. You had it in you all along. I like it. You had it in you all along. Close your ears to every person, every negative word, everything that was spoken over you, everything somebody said you couldn't do, you can do it. You can do it do. You can do it. You can do it you can do it. Wow that you are enough I am more than enough and you are tell my 13 year olds you are more than enough wow it was already in us.

Tracy Lyles:

The word declared that what's in us God gave us at birth. It just has to be cultivated, cultivated wow, wow again.

Chuck:

You never know who's listening some teenager boy or girl who needs to hear that they are enough, because we're trying to be more for somebody else than realizing that we are enough with who we are. Yeah.

Tracy Lyles:

Yes, shout out to you, thank you, thank you Absolutely.

Chuck:

I enjoyed this conversation, tracy. Shout out to we Rise and shout out to the life insurance. You know thing that you're doing. I really appreciate your work, your effort in helping people to rise up. Yeah, yes, thank you so much, and I love doing it Shout people to rise up.

Tracy Lyles:

Yeah, yes, thank you so much, and I love doing it. Shout out to Jesus Christ, gotcha and my mom and dad and every person I can't name them because we'll be all day long Every person that has poured into me, whether I wanted them to pour into me or not, every person who stretched me. All of them, they know who they me. All of them, they know who they are.

Chuck:

Wow, love them dearly, amazing, amazing. Again, thank you so much and I look forward to having you back to see what you're doing in the future. So thanks again. Oh, you're welcome All right.

Tracy Lyles:

Talk to you soon. Take care Wow.

Chuck:

What an amazing conversation. Shout out to Tracy Lyles for having this dialogue with me. You know, one of the things that really stuck out to me about this conversation, amongst many other things, was when she said how leaving a life insurance policy for your family is like leaving a love letter letting them know how much you really love them, why you will still hear and afterwards when you're gone. So shout out to you, tracy, for educating us about life insurance Again, thank you so much for tuning in to let's Just Talk About it podcast, and please check out my website. Just Google let's Just Talk About it podcastcom and then hit that subscribe button to receive all the new episodes every Friday. You can also find me on Facebook. Just type in Chuck L-J-T-A-I, which means let's Just talk about it. So, as always, until next time, don't hold it in, but let's just talk about it. Talk to you soon you.