Lenet Rivas on Building Wealth

Jellycats, Community Cliques, and Redefining Normality

Memorial Day Plans, Jellycat Shopping, and the GLP-1 Cultural Debate Joy and Claire catch up over Memorial Day weekend, sharing family activities in Moab, recurring McDonald’s order mishaps, an e-bike picnic, paddleboarding plans, and a quick Arizona trip for a friend’s daughter’s high school graduation. They discuss the cliquey dynamics of making friends in a Utah town with a strong LDS subculture plus humorous travel stories including a seatmate chewing tobacco on a plane. A highlight is Scott’s Chicago shopping spree at a Jellycat store, buying a sold-out grumpy turtle for Miles. They then address Instagram responses about GLP-1 medications, emphasizing benefits for metabolic health while criticizing cultural trends toward extreme weight loss, unsafe normalization, marketing, and stigma. They end with favorite products: Theraface red-light mask, ILIA makeup, and the Intake nose opener. 00:00 Memorial Day Catchup 00:34 Makeup At 7 AM 01:05 McDonalds Order Chaos 03:02 Park Picnic And Paddleboard 03:40 Arizona Graduation Trip 05:46 Hibachi And Choir Memories 08:29 Mormon Town Culture Shock 10:52 Making Friends In Moab 14:02 Jellycat Store Adventure 20:59 Library Pets And Dog Tales 23:21 Brandon Phone Jump Scares 24:19 Gross Plane Seatmate Story 25:47 Travel Brings Out Weirdness 28:26 Short Person Overhead Bag Hack 29:21 GLP-1 Nuance Not Judgment 33:51 Culture Shift Toward Waif Era 38:27 Health First Not Weight Loss 40:17 Marketing Profits and Safety Concerns 44:27 Vitamins Malnutrition and Hair Loss 45:57 Favorite Products and Wrap Up

Lenet Rivas on Building Wealth

Blue Otter Financial Planning: [https://www.blueotterfinancialplanning.com/] Joy and Claire welcome back Lenet Rivas to discuss her new business, Blue Otter Financial Planning, launched after a layoff and inspired by conversations at a Surf with Amigas retreat. Lenet shares her background in financial aid at Emory, then Fidelity and investment management, and explains leaving product- and target-driven models to offer flat-fee planning for people—especially women—who don’t meet typical $500K asset minimums. They discuss consolidating scattered old employer 401(k)s into an IRA, aligning investments with risk tolerance and time horizon, and how target-date funds often default people into mismatched allocations; Joy describes gaining confidence, discovering a pension, and improving results after adjusting investments. The episode also covers money shame, patriarchy in finance, spending vs. saving mindset, and practical questions to ask parents about estate plans, accounts, and wills. 00:00 Meet Lenet and Blue Otter 01:19 From Taxes to Entrepreneurship 04:15 The Retreat Seed and Layoff Leap 06:51 Traveling While Building the Plan 09:40 Who Blue Otter Serves 13:33 Joy’s Account Consolidation Win 15:28 Money Fear and the KFC Analogy 22:01 Fixing Default 401k Investments 27:05 Target Date Funds vs ETFs 28:22 Confidence to Manage Your 401k 29:13 Fix Your 401k Mix 29:42 Shame And Money Talk 31:28 Beating The Patriarchy 33:20 From Saving To Spending 36:16 Facing The Real Numbers 40:37 Family Money Planning 42:26 Questions For Parents 47:39 How To Work Together 49:50 Why Blue Otter 52:18 Coffee Cart Dreams 53:58 Where To Find Lenet 54:22 Final Wrap And Goodbye

Turn In & Travel Plans

Mother’s Day on the Green River, Moab Race Meetup, and Puppy Turn-In Updates Joy and Claire chat about early wake-ups, airline announcements, and pilot “too much detail” stories. They share Mother’s Day plans to float the Green River “Daily” near Moab and discuss refining their rafting boat packing system. From their Peru group chat, they float the idea of an unofficial Moab meet-up around a trail race weekend (15K, half, marathon, 50K) and advise booking hotels over pricey Airbnbs, noting the April 24, 2027 date. They discuss nostalgia for No Doubt, a gory dark-comedy film “Send Help” starring Rachel McAdams and directed by Sam Raimi, and Joy finishing the climbing docuseries “The Dark Wizard.” Joy previews Lilas' upcoming CCI puppy turn-in, talks puppy-raising realities and grief, answers Q&A on Mind Pump, finding a workplace mentor, and dog toy recommendations for strong chewers. 00:00 Podcast Welcome 00:47 Pilot Oversharing Stories 03:04 Listening In Flight 03:49 Flight Tracking Anxiety 05:01 Pentagon Twin Day 06:16 Mothers Day Float Plan 08:30 Rafting Gear Systems 10:14 Moab Race Meetup Idea 13:09 Where To Stay In Moab 15:19 No Doubt Nostalgia 17:24 Send Help Movie Review 19:40 Dark Wizard Doc Update 21:21 Climbing Doc Obsession 23:18 Leila Turn In Emotions 26:30 Service Dog Reality Check 28:20 Haynes Toy Chase Antics 30:46 Puppy Raising Community 32:17 Mind Pump Bros Take 34:55 Finding Work Mentors 39:12 Toys For Strong Chewers 44:17 Moab Meetup And Wrap

What We're Watching & Reading

Social Media Breaks, Peru Reset, and What We’re Watching & Reading Claire and Joy open with Arrested Development jokes and then discuss how meme culture and news consumption feel bleak, leading Joy to describe a mental-health-improving Peru “hard reset” of staying off social media, avoiding push notifications, and getting news from traditional outlets instead. They reflect on feeling helpless about Supreme Court decisions and on social media outrage/cancel culture, citing “Therapy Jeff” and mentioning Mel Robbins. Claire shares family updates, including Evie’s Beauty and the Beast dance recital and Miles’ extra energy now that he’s between sports, plus a chat about slow unpacking and liking Away luggage. They recommend HBO’s climbing docuseries “The Dark Wizard” about Dean Potter, discuss Lena Dunham’s memoir and Girls, and Claire lists recent fiction reads while panning The Comfort Crisis, before plugging their Instagram, TikTok, and email. 00:00 Welcome and Hop Ons 00:22 Arrested Development Quotes 01:39 Meme Days Check In 02:21 Social Media Detox 03:54 Supreme Court Spiral 06:47 Peru Airplane Mode 08:16 Therapy Influencer Drama 11:28 Dance Recital Chaos 15:28 Post Trip Unpacking 17:44 Away Luggage and Points 19:37 Dark Wizard Docuseries 22:20 Climbing Subculture World 23:51 Climbing Brotherhood 24:20 Rivalry and Territorialism 25:24 Dean vs Alex Debate 26:02 El Cap Ethics 27:30 Watching Free Solo 29:11 Series Recommendation 29:32 Lena Dunham Memoir 33:15 Girls Fame Fallout 37:25 Fiction Book Picks 39:20 Comfort Crisis Rant 42:37 More Reads and Wrap 43:15 Social Media Goodbye

Post-Peru Reflections

Peru Post-Trip Blues, Surf Retreat Highlights, and Planning Japan 2028 Joy and Claire recap travel and post-trip depression after Peru, including Claire extending her trip for a Peru surf retreat in Chiama with Surf with Amigas, riding unusually long left waves, visiting archaeological sites, and seeing the preserved “Lady of Cao.” They describe a stressful Cusco-to-Lima flight delay due to the plane being too heavy, resulting in many bags left behind, and praise guide Leo for getting everyone’s luggage recovered before flights home. They discuss planning a Go Ahead Tours Japan trip for May 2028, outline the “Japan for Women” itinerary, and how they’ll share signup info. Back home, Joy starts a new job at Headspace as director of therapy, Scott also gets promoted, and they plan to puppy-raise again by taking over a six-month-old yellow lab named McCoy after turning in Lilas. 03:15 Not Saving Memories 03:47 Trip Photos Exception 04:42 Peru Travel Day 06:37 Surf Retreat Highlights 07:31 Peru History Shock 08:21 Pisco Sour Hangover 11:24 Lost Luggage Drama 15:33 Post Trip Blues 18:05 Japan 2028 Tease 20:50 Back to Work Updates 22:13 Puppy Raising Again 23:46 Meet McCoy 24:25 Collar Scholars Week 26:10 Dogs Want Dinner 26:41 Summer Schedule Chaos 28:36 Trips And Concerts 29:21 Dean Potter Doc [https://www.hbomax.com/shows/dark-wizard/76e78c26-21c9-45b4-b84b-4c3e1f8ff763] 33:58 Van Life Reality Check 36:15 Gym Pricing Rant 40:22 Garage Gym Plans 41:35 Wrap Up And Plugs