Starting a Mobile OT Practice, Minimizing Risks, and Living Intentionally with Monica Matthews-Smith
Monica Matthews-Smith, OTR/L is an amazing OT who is prioritizing her time and financial freedom while still making an impact. She is embracing a growth mindset and minimizing her risk as she starts her mobile OT practice. This interview has so many nuggets of wisdoms for other OTs who face feeling like an imposter, think it is too complicated to start your own practice, and need some helpful tips to put your fears behind you.
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Transcript:
Monica Matthews-Smith:
You're worth, you know, the life, not just for yourself, but for the people around you. Yeah. Everybody who we serve will get a better version of us if we are more true to ourself and if we operate in more confidence in the things that we really wanna do.
Doug Vestal:
What has been the most surprising part of starting your, your own private pay practice that you wish more OTs knew about?
Monica Matthews-Smith:
The fact that it is so crazy easy. It is so easy the most, that will keep somebody from starting their OT practice, especially if it's like a home base business. It'll be internally with confidence. Yes. Because the the rules and regulations definitely aren't enough to hinder.
Doug Vestal:
All right. You were in for a treat. I just finished recording this interview and I really can't wait to share it with you. So we talk all about starting a private practice, about time management and financial freedom for OTs about living intentionally and how to minimize your risk. So without further ado, let me introduce you to my OT guest for today's episode now, Monica Matthew Smith. She is an occupational therapist and owner of Houston Rehab Services llc, which is based in Humboldt, Texas. Her company currently contracts occupational therapy and also physical therapy services to home health agencies in the greater Houston and surrounding areas. And Monica's also opening her pediatric private practice in April, 2023, providing OT services to children ages zero to eight who have developmental motor, cognitive and sensory integration needs with 18 years experience. Monica has worked in various settings as an ot. I mean, this includes birth home health, pediatric, and also adult home home health.
She's worked in acute inpatient rehab in nicu, pediatric inpatient units, and as a school-based therapist, I think she's done it all. And when she is not working, she enjoys traveling with her husband and spending time with family and friends. She's also the author of two faith-based books for women who are seeking their purpose in life. Enjoy this fantastic interview. Monica, I am so incredibly thrilled that you are with me today, and I can't wait for you to show, share your very powerful story with, with other OTs. And you and I originally connected because I think you had found some of my YouTube videos and you sent me an email and you mentioned that you had, had, al always had these like non OT related entrepreneurial endeavors and you look for ways to buy back your time and financial freedom. And you said something really great in your words, you were like, you wanted to escape the nine to five and then retire in 30 years lifestyle. And I am right there with you and a hundred percent agree, and that's really why we named our company the Freedom of practice. But I found that this is like it's kind of different than way a lot of people think about their lives and their work arrangements. So let's kick it off. What does having time and financial freedom mean to you, and why is it so important to you?
Monica Matthews-Smith:
Well, awesome. And first of all, thank you for having me today, Doug. I do appreciate it. So, pretty much time freedom is just that having control over my day-to-day and not feeling like somebody else or something else is dictating what I do with my time. You know, we go to work every day, nine to five and you know that that may work for some people, but for others, you know, there is more purpose that needs to be felt and fulfilled in life than just kind of going through the routine. So just pretty much time freedom, just being able to get up when I want to set my own schedule, take off when I want to, and, and, you know, go see my 75 year old mother or 94 year old granddad whenever I want to, and not have to ask permission and possibly be told no.
So that's what time freedom is. It's just having control over how I spend my time because Doug, we're only here if we are lucky. Well, I say blessed for a good 70, 80 years on this earth. And then after that it's like we're gone. So, you know, we really don't have, have a lot of time to do what we're here to do and just to enjoy those things around us. So for me, it was just really important to have control over how I spend my days and my time. So that's what time freedom means. So now financial freedom, being able to make what I feel like I am worth or earn what I feel like will support the lifestyle that I want versus being told what I will be given and having to make due off of that. Right. You know, when we go to a job and, you know, we can have all of our salary n numbers in line, but you know, they have a budget and they're gonna only pay so, so much.
And so I already think OTs are underpaid across the, the board anyway. Just for, you know, the amount of time and, and, and just skill and just all the areas that we touch on people's lives. We really don't become compensated for those as much as we are. Well, I'll say as much as our value is not, not worth, cuz because worth is very subjective, but our value until we actually branch out and do our own, and then then we can structure how we want to be compensated or, you know, how, how we want to earn the, the lifestyle that we want.
Doug Vestal:
Yeah, and I think it's what you bring up is really important because it's this idea that you have many different roles and occupations in your life. Being an OT is one of them. Providing excellent client care is one of them, but you also have other goals and ambitions in, in life. Maybe it's being a very present parent, maybe it is being very present daughter or granddaughter. And you know, your life has to balance all of these things. And once you can get some time freedom and some financial freedom, you, you end up with a lot more flexibility and say over how you're, you're spending your life, which I think, and you can still have impact. It's not that you can't have impact, it's just that you get to decide when and where you apply those efforts versus being told what you have to do.
Monica Matthews-Smith:
Right. And it also comes down Doug, to just overall happiness. Like I am a firm believer that we should all live a life that makes us happy. I mean, yes, we have ups and downs, we're human, things come up and you know, and they happen every day isn't always great. But in the grand scheme of things you know, if we're not living a life that feels good, you know, if it just feels like we're on a routine schedule just doing the day in, day out because either that's what we were told to do or whatever you know, then that's when it is kind of time to take a look at, well, what exactly is the meaning for us every day of just living and that time freedom and that financial freedom. Oftentimes those are the two most important things that if you ask somebody you know, what will make you happier, it will be having more time and having more money.
Doug Vestal:
Yeah, that's that's very true. Is this something that you have always been interested in or was there kind of a turning point where you decided to flip the script and kind of take a different viewpoint than maybe some other other people do?
Monica Matthews-Smith:
So I would say that there wasn't like a specific turning point. Like, you know, things kind of just evolved, right. So, but if I can just take it back to a time when I kind of had the light bulb, it was mainly about 2010. And so, so I am a very creative person. So, you know, my journey to entrepreneurship a has many twists and turns like most entrepreneurs, right? And so it started off with just using my gift of writing and, and poetry. Wow. Wow. And so, you know, I just kind of gotten into, okay, you know, I was doing what felt good and then people started to request me to do events and gigs. And then I, you know, I then I think somebody said, well, why don't you charge? That's when I started to charge. And then that kind of went into just then the revelation of, well, this feels good to be able to have my own Yeah.
Be able to state my price and to, you know, state my conditions and you know, just to start having my own. So I can say that probably before 2010 the entrepreneurship mindset probably wasn't there, but I was cultivating just what felt natural. And then and so then after, after that, then I just kind of gotten into a multi-level marketing company and, you know, I started my journey there and then there was books and, and and t-shirts. So it just kind of evolved. Yeah. and, and then, you know, it led to now where then I had a friend who suggested, well, you're doing all of these other things entrepreneurial wise. Why don't you do it for your therapy that you've been doing for so many years? So then that's kind of where the turning point to where I am now Yeah. Has come about. But yeah, it was just kind of like a journey to just doing what I felt was natural and then people started to wanna pay me and then it just, it, and then that just kind of drove the rest of the, I guess the mindset of I can really have something that I create and people will pay me for.
Doug Vestal:
Yes. Do you remember the first time you got paid?
Monica Matthews-Smith:
Oh my goodness. Let's see. I guess, yes, it was a poetry event and you know, they, they asked what my price was and I was so scared. I was so scared to state it. I think I told them like $25 or something, and that was way cheap. But, you know, I just didn't know. And it, you know, it did feel awkward. It felt awkward. Even to this day it can still kind of feel awkward sometimes talking about price. But yeah, that was the first time that I had gotten paid for something that I just felt like I could do for free. Yes. You know? Yeah.
Doug Vestal:
<Laugh>, that's, that's, that's amazing. I, I love the fact that you've been involved in so many different endeavors because I think, you know, business and achieving financial freedom and time freedom, like, it's not really a destination. Like it's a continual journey and there are just, when you start out doing it, there's just so many things you don't know. And, and there's, there's, nobody can tell you all the list of things you don't know. You just really have to jump in and make mistakes, be willing to look dumb, embarrass yourself and, you know, know that you're strong enough to, that your family's still gonna love you, that you're still gonna have the support of your friends and, and pick yourself up and, and keep going. You know, I, I heard a quote the other day that winner is just a loser who never gave up, you know? And I love that. I think that that is so true, especially when it comes to entrepreneur endeavors, cuz there's just so many twist and turns, you know,
Monica Matthews-Smith:
There definitely is there. There definitely is. And I love that quote too, just because, you know, if you never try, you never know. And, you know, whenever I come up against a challenging situation, I just think about, well, the newborn baby or the baby when they're first learning to walk, they get up and they fall and, but they keep trying and oftentimes laughing and, and and smiling. So, you know, you know, I try to sometimes keep that childlike not mentality, but, you know, mindset of, if I fall down, you know, it's okay. Just laugh it off, brush it off, get back up and, and let's try again. But like you said, that's the journey of an entrepreneur. So it comes with the territory.
Doug Vestal:
I, I think that entre that experimental mindset is, is so important of, of viewing it as it's an experiment. I'm gonna try it, and then I'm gonna try a different experiment. And you almost mm-hmm. <Affirmative> approach it the way across between a child and a scientist would <laugh>.
Monica Matthews-Smith:
I love it. I love it. And I also wanna make a point too, Doug so I want to to make it clear too, that, you know, what you start off with, it might not be that thing. Like, you know, talking about how entrepreneurship is a journey and, you know, ultimately entre occupational therapy as an entrepreneur. You know, I, what I started off with was far from what I'm doing now, but each, each part of that journey, each endeavor has led me to where I am today. So I don't, you know, think, oh, I wasted my time doing those, those things because it, you know, they were all building the blocks to, to Yes. Today.
Doug Vestal:
Yeah. You're accumulating the skills as you, as you go along. I, I, I love that. I feel like sometimes there can be kind of this conflict between being in a helping profession like OT and, you know, being selfless with your clients, but then also prioritizing your, your mental wellbeing, your financial wellbeing, and wanting to get your time back. Sometimes the OTs I talk to, there's a sense of guilt or overwhelmed that they can feel. What would you say to, to such OTs, help them, you know, really get outside their comfort zone and start to take those first few steps towards prioritizing financial and time freedom?
Monica Matthews-Smith:
Well, the first thing I would say is to just think about what is the ultimate lifestyle that they want for themselves? Like, what is the best version of themselves? You know, if if time and money wasn't a issue, because oftentimes overwhelm and, and you know, the need to just go overboard, you know, it comes from a place often enough insecurity, sometimes, you know, we are trying so hard to help other people because maybe there's something in a, not all the time, but sometimes. So, you know, I would really suggest, you know, some that some soul searching take place and to really understand why do they feel the need to overextend, you know, and then when they say no or, or, or if they don't overextend why is that difficult to say no sometimes or find time for themselves? And then, so the, so that's the first thing.
One is just understanding what's the lifestyle that they want, and then if they feel like, you know, overextending is hindering them, find out why. The second thing is schedule some, some quiet time each day for themselves. Journal, I, I'm a big component. I, well, not component, scratch that out. I'm, I'm a big promoter of journaling. And so oftentimes, you know, if we're feeling like we're not at a place where we're comfortable branching out on something, especially if we really want to writing out why writing out, you know, just your ideal life, again, going back to step one, but just writing those things down will really get them out. And then just kind of in front of our eyes so that then we can kind of sort through, okay, well, this is what I wanna do. I want to step out, but I have anxiety.
I want more time freedom, but I still find myself giving up more of my time doing X, Y, and Z. We can now see kinda where the breakdown is between where we are and where we wanna be. So journal and then setting boundaries, just, just being real with ourselves and setting boundaries, even if they're tough and just taking time out for ourselves to, to start researching. Yeah. if it's something that we wanna do that we don't know, how start the process of reach, of researching, reaching out to mentors, like the private practice mentorship that you have done. So taking time for yourself and then just really understanding that you are worth, you know, the life not just for yourself, but for the people around you. Everybody who we serve will get a better version of us if we are more true to ourself and if we operate in more confidence in the things that we really wanna do.
Doug Vestal:
Yeah. Man, I a hundred percent agree with everything that you just mentioned. You're, you're so eloquent in <laugh> in your answer. And I, I think that there's a lot of things to really think about there, especially with being in a helping profession and what's motivating you to many times sacrifice your own health at the expense of helping so many people. And really try to, you know, prioritize putting yourself first. There's that, maybe it's a too much of a cliche now, but you have to put on your if you're on an airplane and it's going down, you have to put on your own oxygen mask right? Before you can put on for someone else. And it's really prioritizing, as you said, you're gonna show up as the best version of yourself, and ultimately, your kids are gonna benefit from that. Your spouse, your family, and your, your clients are gonna benefit from, from
Monica Matthews-Smith:
That, you know? But we get into this profession because we are helpers, right? And so sometimes, you know, it could just be that we need education on just how to organize the rest of our lives. Like, and just not knowing how to prioritize, which is, you know, that could be a easy fix. Maybe, you know, there is no deep seated reason why we overextend. We're just over, you know, we're just helpers. But then, you know, if you get help or get some consulting on just how to pr, you know, prioritize family, work, leisure than, you know, things could be more balanced. Yeah.
Doug Vestal:
Well, I, I love it. And I'm also excited to talk to you because you recently started your own private practice, so can you tell us what it is and who you're serving with it?
Monica Matthews-Smith:
Yes, yes. So super exciting. This is totally brand new new territory as an entrepreneur for me. But, so I have a contract, a contracting company. So we contract OT and PT actually two home health agencies. And so we do pediatrics and I am also in the process of my private pay clients coming in so that I can then service those who you know, just make me, don't want to use their insurance for various reasons. But then there are, you know, there's a large population of families who need to be serviced, who do have insurance. So you know, it was easier to get those kiddos through the insurance companies before we become credential, because that's a long process. Yeah. So, you know, that was kind of like our gateway into actually private practice is just getting on co contracting for these agencies and then seeing these kids for them.
Doug Vestal:
That's awesome. And I know you've been in OT for 18 years, and most of that time has been an employee. You've always had those other sort of side hustle entrepreneurial things. But in terms of having your own practice and branching out on your own, what gave you the confidence to, to do that?
Monica Matthews-Smith:
You know, I think going back to those building blocks of all these years and whenever I would think about having like, my own private practice, for some reason, the, the only way that I saw that possible was having like a traditional outpatient clinic. And I would drive past different clinics in my area, and I just saw lease and red flags and money and equipment and buildouts. And I was just thinking like, that is, that's not for me. I don't want to go that route. You know, you hear the horror stories about bankruptcies, and I'm just like, no. So I kind of, you know, put that in the back. And I was actually speaking with a friend who encouraged me to start my contracting company because we were talking actually about starting a home health agency. And I was thinking, whoa, no. Like, you know, there's a lot of red tape for that.
And, but then in my quest to start the home health agency, somebody said, well, you're an occupational therapist, why don't you just focus on the therapy part? And so then that's, that's just kind of how that started. And as far as the confidence, you know, it's just, I, you know, I was ready, I was hungry looking for the lifestyle to where I can just build my own Yeah. All these years it was just building up and I felt like, you know, I had different tools, but nothing was quite coming together. Yeah. which, which now I see it wasn't coming together because those items weren't meant to be like the, like the thing they were meant to help me get to the thing. Yeah. And the thing is having my own OT practice, so, you know, just the lessons learned in business I've, I've, I've kind of always have been a independent person.
Yeah. Like, I moved from my hometown to Houston, Texas all by myself in my late twenties, you know, so and so, it just kind of felt natural. And I do want to say this, I wanna make this clear too. Not everybody is an entrepreneur. So I think it felt natural because I'm an entrepreneur and I tell people, if you're an entrepreneur, you will know. You know, if it comes natural, if you just find yourself just naturally going a different path than what you hear, if you find yourself inclined to, you know, just be more interested in things of entrepreneurship, then that might be because you're an entrepreneur and I feel like we are who we are, and we gravitate towards the things that speak to who we are. And that's not to say anything about, you know, people who want to work a nine to five or be an employee. I mean, we need lots of employees to make the world go around like doctors and lawyers. We need them to be at the hospital working. But you know, I think just me being an entrepreneur and, you know, without knowing I was cultivating that over the years with the different projects, so it just kind of evolved now into, into like stepping out.
Doug Vestal:
Well, and I think I, I love that. And I think it kind of also goes back to what you were talking about before, which is the importance of journaling. Because I think sometimes we can get so incredibly stuck in one way of thinking. And we, I even find this for myself. You can get in this mental loop and precipitate on things, but sometimes just writing it down is enough to sort of activate that, okay, I can figure this out, gene. It's not as as bad. And actually maybe the path is becoming an entrepreneur or finding a different job, or finding a job that's closer to your, where your kids go to school or where your house is. So you're eliminating that stressful part. And I think putting pen to paper and really allowing your, your brain to do like a, a what if, you know, then it is really, really powerful. Yeah.
Monica Matthews-Smith:
And that's exactly true, because I forgot what the exact number is, but you know, we have, let's just say hundreds of thoughts Right. That go through our mind every day. And so Yes, that's exactly right. If we don't get, you know, if we don't take time first, like we have to slow down from life, first of all. Yeah. and then if we don't write these things down, then my favorite saying is it gets lost in the sauce. Like it's there, but it's not clear until you write it down and then you can see it, and then it's like a puzzle. You can then see, okay, what needs to go where, what I can versus it's just kind of swimming in the midst of everything else. And then it just kind of gets lost.
Doug Vestal:
And I think sometimes what I found, I don't know if you would a agree with this, but people who are overachievers very smart, which OTs are very smart, very capable, very, very accomplished. It's not easy to go through graduate school. It's not easy to go through all the continuing education. Yeah. And sometimes you can get into a, a rhythm of let's just wing it, you know? And, and you're used to figuring things out and tackling stuff as it comes up with client sessions, as it comes up with your work week. Right. But that can not be such a great thing as it applies to, to your life always. And so, just sitting down and, and planning a little bit, the weeks that I really sit down and schedule my time and plan out what I'm doing, I'm so much a, I am also super more productive. And b, I also suddenly have more free time, you know, versus the times that just allow the weeks to, to happen, you know?
Monica Matthews-Smith:
Exactly. Exactly. I live by to-do lists. I cannot not have a to-do list. And then that helps to keep me organized. I also wanna give your audience some people who I listen to who have helped me along the way. Jim Rome, he's a motivational speaker mm-hmm. <Affirmative> mm-hmm. <Affirmative>, of course Tony Robbins, you know, and so just hearing them talk about, you know, how to take that time, how to write your goals down and, and just really how to have the mindset, most of all of intention. I think that's what it just comes down to. It's just being intentional with just understanding or one iden identifying what it is that you want, either in your career, in your life, if you want to start a business like you said, or work a different job, just what is it that you want for your family or for yourself. And then writing, writing those things down. And then just figuring out, you know, research and getting help on how then to, you know, make those things happen. Just like a checklist.
Doug Vestal:
Yeah. I love it a lot. A lot of people think of starting businesses or private practices as very risky. So is there anything, and you talked about the cost associated with it, the stuff that was going through your mind. So is there anything that you're doing kind of from the beginning to help minimize that, that risk? How are you thinking about this?
Monica Matthews-Smith:
Yes. I am not taking up a office space right away. I am my office is my home <laugh>, and we are doing home visits right now. The ultimate goal is to have a clinic, but that's going to be after, can get my revenue to a certain point where I can justify being able to sustain that. I did have a, have an opportunity to have an, have a small office space where I would then put like an outpatient clinic a few times though a week. But, you know, after thinking about it, it, the, the, the cost, it just didn't make sense. Yeah. so definitely not going out and looking for a fancy office not trying to take out loans, I'm everything that and well, here is the, one of the best things too about starting an OT practice.
Well, I guess it depends on what practice. So I can speak on a for my mo my mobile therapy business, right. It's all in the home. So I don't have to have like a large amount of money up upfront. I don't have to take out any loans. You know, I think the most that I pay for are like, for my assessments. And I still work my nine to five. I still work full-time as a school-based occupational therapist, and then I take the money from each check and I invest that into my business so I don't have to worry about asking friends and family taking out loans. And then I only pay for things as I'm paid. So so that's how I minimize. I don't have a big office is mobile. And, and you know, I, I don't feel the need to start off big. Yeah. I am just, I am starting small and then as I grow, then I will expand.
Doug Vestal:
That's such a great strategy to do. Cuz I think people can kind of over, they can think that it costs a lot that they have to spend a lot of money. Yeah. And we started our private pay practice in client's homes. You know, my, my wife was seeing pre and postnatal women and she would go and travel to their apartments to, to see them. And they, they loved the convenience factor. They loved that they didn't have to find a babysitter they loved. So what we would think mi sometimes naturally was kind of comparing, oh, well we don't have the fancy clinic with the four, you know, people in the front desk and everything to our clients. It was actually a reason they came to us, you know? Right. And, and it's was, was so incredibly, incredibly great. So what has been the most surprising part of starting your, your own private pay practice that you wish more OTs knew about?
Monica Matthews-Smith:
The fact that it is so crazy easy. It is so easy. You know, as I said before, I would go past the clinics and I just thought that that was the only way I could have my own business Yeah. Was to go that, that route. But then once I was enlightened that I didn't need all of that through a friend you know, and I did research. I called our state association, you know, just to verify and all we need is our, well for Texas is our state license. Yeah. and for which you already have, which I, yes, yes. And that's it. You can o you know, hang your shingle out, you know, open for business. Just having that. And then of course, you know, now some therapists do start off with like their dba. I now I do recommend, you know, getting like your L L C I'm, and I'm not a tax specialist or advisor. This is just my experience. So you know, and, and Texas, well, it, you know, that's just $300 to like get your LLC and then of course your insurance for your liability. Like, you know, that's that cost. So the cost is, is very minimal. I mean, under, under a thousand dollars if you, you know, don't go if you
Doug Vestal:
Do it yourself. Yeah. If
Monica Matthews-Smith:
You do it, yes. If you do it yourself, which is what I did, and then, you know, then you can just say, Hey, I am, you know, open to come to your home or, or you know, if you do have an office space, you can just start advertising. And initially I thought that I had to have like some extra licensing from the state to operate you know, that I had to have like a special business license and just all of these different things. Now, each state may be different, but for Texas it definitely wasn't that. Yeah. So I would say if, you know, the most thing the most that will keep somebody from starting their OT practice, especially if it's like a home base business, it'll be internally with confidence. Yes. Because the the rules and regulations definitely aren't enough to hinder Yeah. Starting.
Doug Vestal:
Well, I I love that you, you say that because, so it, it, the confidence is such a big part. It's, it's normally not the cost that that really holds people back. Right. It's the perhaps thinking that it's more complicated than it needs to be, and so they don't ever even get to the starting line of it. Right. And then I've talked to so many OTs like yourself that once they start going down that route, they're like, why didn't I do this sooner? Right. Right. There really isn't, you already have the skills, you're already seeing clients, you're already transforming people's lives. Right. You, you, you have everything you need. The business part is just a little small part of it, you know, and I think that that's, that's so fan, so fantastic.
Monica Matthews-Smith:
And I wanna throw this in there too, Doug because I know a lot of people, especially women, and we know that the field of ot, OTs as primarily women deal with imposter syndrome. And I think that because it is so easy to get into you know, having your own pri private practice, I know I, I dealt with this kind of at first, you know, it may feel like, am I really supposed to be doing this? Like, this seems too too easy, and I actually just got a contract last week and like, it is exploding my business. And so even then it was like, okay, is this really mine? Like, because a year ago, you know, I was thinking as a, you know, as an ot, it was just kind of working, you know, the traditional settings. And so now I'm cultivating my own and, you know, I didn't have to pay a ton. I didn't, it just feels weird, you know, it could feel weird and almost like, well, maybe, you know this isn't me. I don't know if that makes sense. Yeah, yeah. You know, but I want to reassure anybody who feels that way that, you know, if you feel inclined to step out and to go this path, it is definitely you, it's definitely for you.
Doug Vestal:
That is, that is amazing. I, I think that that is the perfect sentiment to, to end this on. And you've like shared so much incredible knowledge. Is there any last second words that you would like to, to leave my OT audience with?
Monica Matthews-Smith:
I just wanna say you know, as OTs, you are phenomenal. And we know that we wear many hats. And if, if entrepreneurship and private practice is a hat that you wanna try on, try it on just because you have a, a desire for something, you know, it doesn't mean that, that you shouldn't go for it. Desires could be the turning point to the rest of your life. So if you have a desire, go for it. And just enjoy the journey and just, nonetheless, just enjoy the journey of being a th a therapist and whatever setting you decide to settle in.
Doug Vestal:
Awesome. Thank you so, so much, Monica. This was, thank you. Very, very thought provoking and it was very valuable and I can't wait to share this on the YouTube channel and with the rest of the audience. Thank you so much.
Monica Matthews-Smith:
Thank you. Thank you.