The Quiet Warrior Podcast with Serena Low

87. How Impact Investing Uplifts Communities and Creates Lasting Change (Dr. Dionn Payn)

• Serena Low, Introvert Coach for Quiet Achievers and Quiet Warriors

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What if your investment choices could align with your values—and create lasting change in the world?

In this episode, I speak with Dionn Payn, founder of Women 4 Homes, whose mission is to inspire 1 million women to invest $5,000 to end homelessness by 2030.

Dionn is passionate about helping people—especially women—grow wealth through ethical investing that uplifts communities, preserves the environment, and supports meaningful causes.

As a purpose-led entrepreneur and speaker, Dionn brings a refreshing perspective on what it means to be wealthy: not just financially secure, but deeply fulfilled, values-aligned, and making a difference.

This conversation is ideal for quiet achievers, introverted leaders, and conscious professionals seeking greater impact, authenticity, and alignment with their money and life.


In this episode, we explore:

  • What impact investing is and why it's a powerful alternative to traditional investing

  • Dionn’s personal journey from people-pleasing and burnout to self-trust and purpose

  • How women can feel empowered around wealth and decision-making

  • The mindset shifts that help you go from survival to spaciousness

  • What to do when your life’s purpose no longer fits into the corporate box

  • The power of community, mentorship, and investing in your values

  • A fresh way to think about success: not just what you accumulate, but what you create and contribute


Whether you're starting your wealth journey, feeling disillusioned with traditional finance, or curious about conscious entrepreneurship, Dionn’s story will inspire you to lead—and live—with impact.


Connect with Dionn Payn:

Website: www.women4homes.com

Link.tree: https://linktr.ee/women4homes


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Subscribe, rate, and leave a 5-star review to help more quiet leaders and changemakers find their voice.

Join The Visible Introvert community for exclusive insights, podcast updates and resources at https://serenalow.com.au


This episode was edited by Aura House Productions

Speaker 1:

Hi, I'm Serena Loh. If you're used to hearing that introverts are shy, anxious, antisocial and lack good communication and leadership skills, then this podcast is for you. You're about to fall in love with the calm, introspective and profound person that you are. Discover what's fun, unique and powerful about being an introvert, and how to make the elegant transition from quiet achiever to quiet warrior in your life and work anytime you want, in more ways than you imagined possible. Welcome.

Speaker 2:

Hello and welcome to the Quiet Warrior podcast. Today I have a special guest whose mission is to inspire 1 million women to invest $5,000 to end homelessness by 2030, whilst being financially empowered along the way. Her name is Dr Dionne Payne and she's the founder of Women for Homes, a company whose mission is to inspire 1 million women by 2030. Dionne has over 10 years in the property industry, has developed affordable housing projects, raises funds for ethical property developments and has helped over 40 investors achieve double-digit returns through property. She's also the author of the number one Amazon best-selling book, ethical Property Investing, and regularly writes and speaks on the topic. Welcome, dr Dionne Payne, to the Quiet Warrior podcast. Thank you, serena Dionne. I would love to start by asking you a little bit about your background and your career story and how you come to be doing what you now do.

Speaker 3:

Well my background. So I'm from the UK. I was born to Jamaican parents, so I'm first-generation British. My grandparents and parents when they migrated to the UK in the 60s, they encountered a lot of racism and, as a result, the message that I got when I was growing up was I need to work hard, nobody's ever going to give me a break, and you know just the sort of working hard mentality was really important, just to be able to get ahead and to be on an even pegging with everybody else. So that really shaped me actually, and I did work hard and I still work hard, and sometimes I have to remember that I don't have to work so hard. That was a model that served me and served my family many years ago, but I can see that the usefulness of that belief isn't as useful today as it was then. So part of that working hard was doing all of the right things academically. So I was quite smart as a child and I went to university.

Speaker 3:

I ended up doing a PhD, which is how I ended up in Australia. Actually, I came over here just for a year, managed to get a PhD scholarship and stayed, and then that gave me enough points to stay. So for me, it was a bit of an accident that I ended up staying in Australia. I've been here 20 years now and I really didn't expect to be here this long, but I fell in love with Australia and the outdoor lifestyle, yeah. So that's kind of how I got here. But my PhD was not anything to do with what I do now. My PhD was a catalyst for staying here.

Speaker 3:

But when I finished that PhD and I just thought, well, what am I going to do next? I was pregnant at the time, so I had my children. I got to be a stay-at-home mum, which was just divine. I really enjoyed that being home with the kids. But what it meant was that our earning capacity as a household was a lot less than it could have been, and I consciously made that choice. But even then, I was not very satisfied with not being able to buy the home that I wanted to. So that was what spurred me on to learn about property investing and property development.

Speaker 3:

I must admit, I got very seduced by the idea that I could build a townhouse, or build a few townhouses, and make hundreds of thousands of dollars, and I was like, great, how do we do that? And so our journey. This is myself and my husband. Our journey was to partner with somebody that had more cash than time. We definitely had more time than cash, and that was how we got started. So we did our first development. It was a very small development a renovation and a subdivision but when I got the check at the end of that I was like, wow, this was my blood, sweat and tears and I got to benefit from that, which was amazing. So, yeah, that spurred me on and I just saw that property was transforming my life and transforming what I believed that I could do, going from academia to something that was purely about making money. It was very different and very inspiring for me to just know, oh well, yeah, okay, I don't have to fit this mold, I can move into something else and make money, and it's actually quite lucrative. So that's what got me into property in the first place.

Speaker 3:

And from then I did some more projects and the turning point for me from doing just development to doing affordable housing was that once I got a few of these smaller projects under my belt and I looked at well, I was just looking around I was like, yep, I'm ready for something a bit bigger now, and I saw a piece of land. It had development approval for 14 one-bedroom townhouses. I ran the numbers and realized that I could make it work and I was like, yes, and again, it was all about partners. I realised that we would need to have partners to go in with to make this work. So I found some partners and I went on with the build and what changed for me was actually it was interesting because my joint venture partner was very focused on the money, more so than I was.

Speaker 3:

Once I got that there was some social good in that, then I was really. It wasn't that I didn't want the money, it wasn't that at all but my joint venture partner was much more about squeezing every dollar out of the transaction, whereas I realized that there was a social benefit, an environmental benefit and a financial benefit and I wanted to maximise all of those. I think the key thing for me was realising that I had friends in the area that could buy into these properties and afford these properties. At the time, we were selling them for an average of 350 000 when the median house price was 650 000. So it was. It was quite significant, and when I realized that teachers and paramedics and nurses were able to buy into this, I was like this is really cool, and so me and my joint venture partner eventually ended up going waste because our values weren't aligned.

Speaker 3:

But in the process of doing that project, what I realized was that we could. We could have it all. We could make a social and environmental impact and we could actually make money as well, and that really spurred me on to do more of that. I realized I wasn't going to do that from a developer perspective, because that route actually caused burnout for me, but I could certainly facilitate it by helping other property developers that were focusing on affordable and sustainable housing. I could raise money for them, and so that's what I've been doing for the past four years.

Speaker 3:

My business, high impact property investment started four years ago, and in November I started a sister organisation, which is Women for Homes, because I realised that there's such a big disconnect for women being able to get into property and there's all of these systemic barriers that are making it harder for women to build wealth for themselves, and that lack of financial independence is what is causing homelessness, which I'm really keen to stamp out as quickly as possible, and so that was where Women for Homes was born, it was really about, okay, how can we galvanize a movement of women to really make a difference, to end homelessness and be financially empowered as well? That has been quite the journey for you.

Speaker 2:

That has been quite the journey for you and I want to take you back to when you first said your ethos that you had inherited from the family was working hard, and to you at the time that meant doing all the right things, the things that we are expected to do by our family, by community, by society.

Speaker 2:

And as long as you stick to that path, you work hard, you do the right things, you must eventually succeed. Right, and I love also that you took time off to raise your family. You said that was a divine time for you that being able to spend that time solely for your family. But you also acknowledged there was a financial impact and I think a lot of our audience will, our listeners will resonate with that, because that exactly is the thing, isn't it? With women and with the financial impact of certain decisions that we make, partly by choice, but partly also because there is a social expectation that it is the women who stay home to look after the children? It is the women who stay home to look after the children. So let's talk about the systemic barriers and how that is affecting women and their housing situation.

Speaker 3:

Yeah, good question.

Speaker 3:

So I mean, we talk a lot about the gender pay gap and that is something that is absolutely true, but most people know about that. There's some other aspects to there's some other systemic barriers that I really do think that are worth bringing up, and one of those things that you mentioned there about the societal roles of women staying home and their better place to stay home, and maybe they are, you know, as women we are more nurturing. I'm not saying that we have to, I'm just saying that maybe there is, yeah, maybe there is a place for that. But what that leads to, and something that I have to be constantly on my guard about, is that an equal distribution of labour. So, you know, it's the, because it's the women's role to be the nurturer. Then it falls on the women's shoulders to, you know, be the cook and the cleaner and the person that takes the kids everywhere, and sometimes that role isn't recognized.

Speaker 3:

I remember reading um or hearing, actually a few years ago, that if we were to outsource um, the role of mother and and all of those different jobs that we take on as mother, we would have to pay that person or that team, because it's more like a team of people that needs to do that. We would be paying $200,000 a year for that role, and I certainly wasn't being paid that. And look, there's nothing against my husband or anything like that. We weren't even thinking about those kinds of things at all. Nothing against my husband or anything like that. We weren't even thinking about those kinds of things at all. But, um, it is that burden of unpaid labor that is not recognized. And I do believe that if we put, if we had that value of what women bring, or, let's put it this way, if we have that value of what the caregiver brings in the raising of a family and keeping a home, um, and we quantified that and we actually looked after the caregiver in that way. So what would that looking after look like? It would be paying super contributions for the time that that caregiver is out of the workforce. It would be, you know, sort of having support in place so that it's not all falling on one person's shoulders. So there's a mental load, there's a financial load, yeah, and it it's just really unfair now because it just because it's not being recognized that the contribution that has been made. And so, yeah, we talk about the gender pay gap.

Speaker 3:

I think it goes a bit deeper than that. And then, you know, to expand on that even more, because it's getting harder for young people to be able to leave home and to be able to afford to purchase property or even rent properties. When they do stay home with their parents and maybe a single mum that they're staying home with the single mum is still in the mindset of, well, I've got to look after my child, I've got to provide for my child, even though they're staying home with the single mum is still in the mindset of, well, I've got to look after my child, I've got to provide for my child, even though they're older. So then her needs are not being met in the same way.

Speaker 3:

So this cycle of underappreciation and undervaluing is a real barrier, and it's not just an external barrier. Sometimes we place that barrier on ourselves as women as well. So then we don't go for the things that we want to go for because, oh well, we've got an obligation to look after our kids over here, or we've got an obligation to look after our parents, because there's also you know, we're in that what they call it, the sandwich generation, where we're not just caregiving for our children, we're caregiving for our parents as well. So it's the weight of the societal expectations, it's the weight of our own expectations on ourselves.

Speaker 2:

Those are some of the structural barriers that I'm really seeing, and I think to add to that also, the other part of the cycle is because when men and women in the same role start off already with that pay gap, the perception then is that it's easier for the woman to be the one to give up the job to stay home.

Speaker 2:

But then of course that starts that whole cycle of can't contribute to your super. Take time away from your career and not all places value career breaks equally. So when you come back after, say, five years, you know you have to update your skills again. You have to explain your career break. Sometimes to certain organizations. It may be looked upon not very favorably depending on how you craft your story and then you come back into it. But again you are a step behind you're playing catch up, so you're perpetually playing catch up yeah yeah, so what can we do about this?

Speaker 2:

and how does property development, or property as a vehicle itself? How does that help someone to break the cycle?

Speaker 3:

Well, I think, first of all, it starts off with valuing ourselves and valuing our contribution. So and I'm going to speak for myself here if I had recognised and really sort of understood and embodied that my role as a mother was $200,000 a year and was worth that, I would have made some really different decisions. So, number one, I would have spoken to my husband and said, well, hey look, I'm staying home with the kids. I need to make sure I've got super annuation as well. Let's put some super contributions into my account too.

Speaker 3:

And that's one area that I could think of. Another area is I remember being at home with the kids and, like I said, I loved it and I would never change it at all. Um, but I do remember feeling, um, just a little bit uncertain of, you know, like if I wanted to go and do something and I needed to get some money from my husband, I'd have this kind of like oh well, I shouldn't really, because you know I'd just get to stay home all day, you know. So there was a lack of valuing myself and the role that I was doing, which fed into the lack of confidence when it came back to going into the workforce. So, yeah, I think how do we break this cycle, really valuing the contribution that we make and having that confidence in ourselves to say, well, yeah, I'm worth this and no, okay, I've been out of the workforce for five years but I've been raising a family and these are all the things that I've been doing

Speaker 3:

and this is what I can bring to an organisation. And no, I'm not going to accept some crappy pay deal, because I value myself and you know the skill I've got additional skills to what I left the workforce with when I raised my children or before I raised my children. So I think there's a definite mindset shift and a definite appreciation and valuing of ourselves. That's really important. And then where does property fit into that? I think it's not just property, it's wealth creation. I think. And it's not just property, it's wealth creation. I think when you value yourself for what you bring, whether it's to an organisation or to a family, it's much easier to think about. You know, how do I contribute or how do I build wealth for myself and my family from this place, and so property is just one vehicle. Right, there's shares and there's, you know, crypto, if you're so inclined, and there's definitely lots of vehicles to be, to be growing wealth and fit that probably. I love property and I've had such good experiences from it, so I can wax lyrical about it. Um, but just starting from that place of, well, yep, I value myself and I'm going to create wealth for myself and my family, um, and whatever vehicle I choose to do that in. I'm going to learn and apply what I learn until I succeed in what I'm doing. So, um, but let's talk about property and let's talk about it from the perspective of women for homes.

Speaker 3:

What I saw was, yes, we do have these systemic barriers. Women are not aware of those systemic barriers or they don't think that they're going to apply to them. So then they just ignore it and, you know, make excuses like, oh, I'm not very good at finances and you know I'll think about that later or I'll think about that when I've got some time. And yes, it it's, it's with, without awareness, we end up making choices that are not in our best interest. So, women for homes number one is about I'll call it financial education. It's not really that we've got a plethora of financial education, but what I wanted to do with Women for Homes was to make that education relevant and practical, women-specific, and actually have it make a difference, have it be joyful and fun and not just a boring reading of the Australian Financial Review and I apologise if you love reading the Australian Financial Review, but even I saw it today and I was like whoa, there's some really tough terminology in there. What about if we make investing and talking about money and talking about what you know, what salary do you get and what salary do you get and demystifying this whole thing. So, again, it's about raising awareness. So one of the things that we do in Women for Homes is have a podcast which is called the Financially Empowered Women podcast, and just before we got on the call, I had an episode with a lady who was talking about rent, vesting and purchasing property and property investing and the things that she was saying. That these are things that I know, but I know a lot of people don't know this kind of information. So it's really about bringing education that is not necessarily widely out there to the forefront so people can women specifically can make better choices.

Speaker 3:

And then the other side of things is around the investing piece. And when I looked at, well, why are women at such a disadvantage? Why are women ending up homeless in the first place? We do have the financial education piece that I mentioned, but we also have. We just need to build more homes. So you know it's building more homes takes money. What if there's a way that women who are learning about money and building their confidence in money have a way to invest in something that has the potential to end a huge social issue, and so Women for Homes is also going to be a fund. So basically, it's a way of women investing together to collate a large sum of money that can be then invested into building affordable and sustainable housing, which then means that they can earn an above market return on their investments. So it's I don't want to say killing two birds with one stone, but I can't think of a better word for that at the moment.

Speaker 2:

It's financially empowering women and it's also solving the problem, so everybody gets to be part of the solution and that goes back to what you said earlier, when you said you had a parting of the ways with your joint venture partner, because your values are social good, financial benefit as well as environmental impact. So would it be right to say that women for homes would be addressing all these values?

Speaker 3:

Absolutely, absolutely. And I'll tell you why. I mean, if we don't address the affordability and the wealth inequality let's just talk about it like that then we are creating a whole generation of people who are disenfranchised, who are angry, and that's going to lead to civil unrest. It absolutely what we've seen it happen before, even in australia, where we're the lucky country.

Speaker 3:

Um, if we don't address the, the changing climate, and the, the, the building industry, the construction industry, is one of the biggest contributors to greenhouse gases. So if we're not addressing that and if we're just building the same old, same old, then we're kicking the can down the road and we've got a big problem that's going to bite us in the bottoms a few years down the line. Anyway, it already is, we've already seen the impacts of it, but we actually do stand a chance of mitigating it. And why not do that with one of the biggest industries that we have in this country and across the world? And so, yeah, we're taking care of the, the environmental aspect, we're taking care of the social aspect and we're taking care of the financial aspect, and we're bringing all of these women who are interested in all of these things together to make it work. And I just look at this and think it's an absolute win-win-win on lots of different levels.

Speaker 2:

Yes, because I know we have a housing crisis. They keep talking about it that in australia we have a housing crisis. We're not building enough homes. There's also a incredibly long wait list for public housing and some people have to wait years and years just to get a house, an apartment right. So tell us more about Women for Homes At the moment. Where are you up to with the investing and the construction side of things?

Speaker 3:

Okay. So at the moment, with the investing, we are getting expressions of interest from women. The reason I'm doing that is I think this is a very good idea and it's a bit of a sanity check, in a sense, to see do other people think it's a good idea and do other people want to get involved in it. And we've started small. It's very grassroots. We've got 100 women over 100 women that have registered their interest so far. Building a retail fund is a pretty expensive endeavour and I wanted to make sure that we had enough women that were interested so we could get to that critical mass at the beginning and then take it from there. So once I know that we've got, you know, $25 million that has been pledged, then that amount of money justifies us going and building a retail fund. So that's where we're up to at the moment. We've got just over 100 women.

Speaker 3:

I'm looking at partnerships with other organisations that are in alignment with our values and, yeah, that's looking really promising. I'm hoping that in the next few weeks that we do have partnership with a organisation, which will really jumpstart us and get us to starting the fund a lot more quickly. And what I'm recognising as well is that collaboration is really important. Now, obviously, I've always known about this. This is something that we know. Collaborating does help things work better, but I'm really seeing the benefit of it at the moment. So I'm getting that experience of collaboration which again, I talk about investing and learning about money and being financially empowered as something that should be joyful and fun. I believe when we're collaborating with values, aligned organisations and people, then that is also spreading that joy and fun as well. So, yeah, when I think about Women for Homes, that's what I think about. It's like how do we share this and how do we get this out there, Not as a oh, we've got to do something about homelessness, but as a we've got the power to change this. Let's do it.

Speaker 2:

It's more like a movement, something that people can get behind if they share your values. So what is the ultimate dream or the ultimate goal for Women? For Homes?

Speaker 3:

Yes, oh, that we get to our million women and that's, you know, not just a million names on a list, it's a million women that are motivated and inspired to invest $5,000. That brings us to $5 billion that we can put into creating affordable and sustainable housing, and that $5 billion doesn't stop there. That unlocks more capital as well to be able to really make a difference, and I think that ending homelessness really is a solvable problem. It's something that can absolutely be done. One of the things that really encourages me is that during the pandemic, there were lots of cities around the world that just realised that they couldn't have lots of homeless people walking around and spreading COVID. So, because people weren't flying anywhere, there were lots of spaces that were unoccupied, and so a lot of homeless people were housed during that time. So I find that really encouraging, because we've done it once and we can do it again.

Speaker 2:

Yes, I did read those updates as well.

Speaker 2:

It was very heartening to see that they were being housed in nice hotel rooms.

Speaker 2:

They were being fed, they were being looked after, they felt safe and, for the first time perhaps, they felt dignified, that they were seen, that they were treated just like a normal human being. Right, because I'm sure you know, without having any lived experience, that just by observation, it must be tremendously difficult and dignity-robbing to not have a roof over your head, to not have a place that you can call home and go to every night and know that these four walls, you know, this place is mine, this is where I belong, this is where I'm safe, and to have to constantly look and look and, you know, hope and pray for something better to show up. So I did wonder, you know, like as soon as things sort of went back to normal, you know why we couldn't have used that resourcefulness to repurpose some other facilities that were not being used for accommodation purposes. But I'm sure that's part of a bigger conversation and I'm sure other organisations are looking into that as well. So where do you see Women for Homes in 10 years' time to that?

Speaker 3:

as well. So where do you see Women for Homes in 10 years time? Oh, that's a great question. I see that we have ended homelessness by that point and we're looking at well, what's the next thing that we can do, what's the next thing that we can tackle? I love that.

Speaker 2:

Yeah, I love that, because right now, if you said 2030, that's five years from now.

Speaker 3:

Five years away, yeah.

Speaker 3:

That's exciting, it is really exciting, and what I love about it is and you said the word before movement I've always felt that this is a movement, and when I think of some of the most amazing movements that we all know about, somebody started off with an idea, and then it was all of these people coming together and bringing their energy to this cause to make a difference, and that's what creates that momentum, that's what creates that movement.

Speaker 3:

So it then, you know, I think about this in terms of, well, yes, okay, we're aiming to end homelessness, but it's not a linear okay, we're going to do this and we're going to do this and we're going to do this. In a sense, it is because, of course, we're going to be investing into more homes, but I just feel that there are, there is an unseen energy. That is what is going to make this work. So this, this people power, this, um, women power, and this sense of purpose in coming together and there's not necessarily a word for that, it's not necessarily a visible thing. The visibility of it comes from the actions that are being taken and the change that has been made.

Speaker 2:

Yes, I think that's how all movements start, isn't it? With an idea that can change the world, and it sounds like a huge thing at the beginning, until you realize, by communicating and telling your story again and again to one person, five persons, ten persons, and you hear how other people respond to your idea your crazy idea and you realize it's not so crazy. Respond to your idea your crazy idea and you realize it's not so crazy by myself. Maybe I can't do it, but with 10 people, with 100 people who share this ethos and this vision, just as you did when you started your property journey, you didn't just launch into it by yourself. You found a business partner who complemented what you had. You had more time, they had more money, so you made a good team.

Speaker 2:

So I think, in the same way too, collaboration has been a theme of this conversation too finding the right partners, doing your due diligence, being clear on your own personal ethos. How do you align with other people as you share this vision with them? And making sure the sanity check you said like to somebody else who's hearing it for the first time. They may get very enthusiastic, but then you also want to help them moderate. Some of that just in case, because we know we've made those decisions. We just jumped in two feet and then we regret it because we didn't wait long enough to let it all play out.

Speaker 2:

So I think that's what you're trying to do too to hold your horses. Let's make sure we've got all the structures in place. It's, you know, compliant, it's safe, it's ethical. You've considered this and all the other things, and here are the loopholes and here are the risks, and so on. So where do people who are listening to this and getting excited about the thought that maybe in 10 years time, homelessness will be a thing of the past, and especially a thing of the past for women?

Speaker 3:

where can they find out more and connect with you? Well, the most logical place would be to go to the Women for Homes website, which is women4homescom, so women4h homescom, so women for homescom. There they can? Um become a member of women for homes. Um, it's free to become a member. There's lots of resources there, and there's the podcast, the financially empowered financially empowered women podcast that I mentioned before.

Speaker 3:

Um, we have watch party, a community where, when we do the podcast, the day before it goes out, uh, on general release, we have the guest of the podcast come in and speak um again and um, that's really that's. That's always really good fun. Um, we have courses in there as well. So there's there's a lot of resources that are available and it's a really good way of people just staying connected to what it is that we're doing. We share updates and things like that. Otherwise, I am most talkative or typative, if that's even a word on LinkedIn. So I share lots of content on LinkedIn. I'm always finding in my LinkedIn feed some really interesting information, and so just sharing that and seeing people doing things in different ways, seeing some amazing housing projects, sharing about amazing housing projects that I'm involved in as well but, yeah, that's the place to join the conversation too.

Speaker 2:

Fabulous. So to connect with you, to connect with Dr Dionne Payne, make sure you connect with her on LinkedIn, which is where she spends the most time, and also check out her podcast, the Financially Empowered Women podcast, where she provides financial education resources, but also the community, which I think is really important, because that's what women want to be a part of. We don't just want to know things, we also want to hang out with people who are like us and who like the same sorts of things, isn't it? Because that's more joyful and fun when we are doing it together. Fabulous. So thank you so much, dr Dionne Payne, for coming on the Quiet Warrior podcast today.

Speaker 3:

Thank you so much. It's been a real pleasure speaking with you.

Speaker 2:

If you enjoyed today's episode, be sure to subscribe to the Quiet Warrior podcast for more conversations like this, and remember to leave a five-star rating and review to help us reach more introverts and quiet achievers around the world. See you on the next episode. I'm so grateful that you're here today. If you found this content valuable, please share it on your social media channels and subscribe to the show on your favorite listening platform. Together, we can help more introverts thrive. To receive more uplifting content like this, connect with me on Instagram at Serena Lo Quiet Warrior Coach. Thank you for sharing your time and your energy with me. See you on the next episode.