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Speaker 1: Hello, everybody, Welcome back to the show. A sincere welcome

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Speaker 1: back to the podcast, new listeners, old listeners, wherever you

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Speaker 1: are on this world, on this planet, it is so

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Speaker 1: great to have you here. Back for another episode as

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Speaker 1: we break down the psychology of our twenties. There are

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Speaker 1: some people out there who we can just all agree

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Speaker 1: we basically aspire to be the people who have it all.

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Speaker 1: They're intelligent, they're business minded, they take care of themselves

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Speaker 1: and their relationships. They are kind, they are confident, they

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Speaker 1: are hot, smart, and rich, to use the catchphrase of

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Speaker 1: our guests today. I think we can learn a lot

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Speaker 1: from these kinds of individuals and the mindset that they

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Speaker 1: have cultivated for themselves. I don't talk about entrepreneurship or

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Speaker 1: business a lot on this podcast because it is a

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Speaker 1: psychology podcast, but when we get down to it, there

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Speaker 1: is a lot of psychology involved, and I do get

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Speaker 1: so many questions about it, revolving around how you can

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Speaker 1: take risks on yourself, how you can find your niche,

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Speaker 1: what is the secret to being successful and creative in

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Speaker 1: your twenties, and how can we balance all of that

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Speaker 1: ambition whilst also having a fierce, confident Aura cultivating wealth

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Speaker 1: in our life in whatever form, and I was lucky

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Speaker 1: enough to find someone who has discovered that very formula. Today,

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Speaker 1: we have on a special guest, the founder of Hot, Smart,

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Speaker 1: and Rich, Maggie Sellers. Maggie, can you introduce yourself?

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Speaker 2: Well, First of all, thank you so much for having me.

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Speaker 2: I'm truly honored. It's also so interesting hearing your voice

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Speaker 2: over zoom, because I feel like I've heard it in

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Speaker 2: my ears for so long, and I'm just so grateful

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Speaker 2: to be here. But yeah, I'm Maggie Sellers. I'm also

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Speaker 2: from a Commonwealth country, Canada. I emigrated to the US

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Speaker 2: almost seven years ago to work in really high grow startups.

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Speaker 2: I was in highgro startups for a super long time,

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Speaker 2: and then I ended up really having this labeled moment

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Speaker 2: where I realized celebrities were the future of distribution to

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Speaker 2: reach a new audience at a super inexpensive way. So

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Speaker 2: I ended up working for some of the biggest celebrities

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Speaker 2: in the world at a management company. I helped build

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Speaker 2: some brands for them. I did brand partnerships, creative strategy,

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Speaker 2: and then I fell in love with early stage investing

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Speaker 2: when a lot of young brands would come to us

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Speaker 2: in exchange for equity ownership in the brand versus cash.

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Speaker 2: Ended up launching a corporate Venture arms record label or

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Speaker 2: record Labels Corporate Venture Arm, and then I've spent the

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Speaker 2: last two years really building AHSR as a media company,

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Speaker 2: media investment holding company to empower women to become their hottest, smartest,

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Speaker 2: richest self.

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Speaker 3: We started with short.

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Speaker 2: Form content, We're very quickly expanding into long form content.

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Speaker 2: And I'm just so grateful every single day to be

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Speaker 2: helping make an impact in so many incredible women's lives.

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Speaker 3: To just be authentically themselves.

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Speaker 1: Oh my goodness, I love that. I love everything that

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Speaker 1: it stands for, especially since you know your shit like

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Speaker 1: you are, you would body the hot smart rich ethos

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Speaker 1: and not in the way that I think people typically think.

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Speaker 1: Like it's such a mindset thing for you, and just

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Speaker 1: I think an incredible, an incredible mission to just be

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Speaker 1: like women can have a space in like male dominated spaces.

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Speaker 1: They can do it all like they are smart, they

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Speaker 1: can be wealthy, they can be like this attractive, confident force.

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Speaker 1: What was like you kind of explained how you came

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Speaker 1: to develop Hot Smart Ridge, Yeah, what was like your

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Speaker 1: motivation was there? Like a light bulb moment for you

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Speaker 1: where you were, like, people kind of need this, like

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Speaker 1: we need like the like a finance brogue community for women.

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Speaker 3: Yeah, so badly.

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Speaker 2: I think it's like a lot of little moments in

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Speaker 2: my life that laddered up to finally being able to

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Speaker 2: take the plunge of just people thinking one thing about me,

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Speaker 2: or these kind of passive aggressive compliments, backhanded compliments of like, oh,

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Speaker 2: you're so much nicer than I thought you were, You're

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Speaker 2: actually really smart, And I think I just over time

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Speaker 2: felt really worn down by those small things. But then

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Speaker 2: there were obviously a lot of like bigger moments in

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Speaker 2: people's lives that just make you realize that you.

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Speaker 3: Want to make a change.

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Speaker 2: And there's one story in particular that always comes back

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Speaker 2: to me where I was working at a startup and

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Speaker 2: I was taking on so much responsibility and just like

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Speaker 2: doing what I did at every startup, which was acting

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Speaker 2: as if it was my own working crazy hours, more responsibility,

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Speaker 2: no more money. And I had been negotiating back and

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Speaker 2: forth with my male boss at the time, trying to

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Speaker 2: just like advocate for myself and be taken seriously, and

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Speaker 2: there was just this moment where he was like, I

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Speaker 2: just don't think that you're worth it, and I was like, well,

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Speaker 2: then I'm going to leave. And I never thought that

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Speaker 2: he would let me leave. I thought ultimately it was

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Speaker 2: going to be like, of course, I would never let

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Speaker 2: you leave. And I left, and I had no idea

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Speaker 2: what I was going to do. I had sixty days

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Speaker 2: to get deported back to Canada because of my visa staff.

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Speaker 3: And I just had to figure it out.

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Speaker 2: And it was this really interesting moment where everything I

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Speaker 2: had known kind of melted away and it was just

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Speaker 2: like I bet one hundred percent on myself. And I

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Speaker 2: think it was through the last three or four years

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Speaker 2: of working mostly for men, mostly for men talent, mostly

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Speaker 2: just around men in this space where I didn't have

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Speaker 2: the same credentials that a lot of them had. I

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Speaker 2: didn't go to an IVY League school, I you know,

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Speaker 2: didn't go to investment banking. I didn't have any connections,

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Speaker 2: like I've built my entire network myself for seven years

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Speaker 2: since I got here, and I just realized how lonely

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Speaker 2: I felt, but how much I loved what I was doing,

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Speaker 2: and I was like, I wish there was just more

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Speaker 2: people that I could do this with that I related to.

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Speaker 2: And then there was this other light bulb moment where

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Speaker 2: I saw a lot of deals and it was often,

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Speaker 2: you know, geared towards selling to women, and women control

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Speaker 2: eighty five percent of consumer spend in the US, yet

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Speaker 2: we get two percent of venture dollars.

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Speaker 3: And it was often.

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Speaker 2: Men that were getting the deals, going to their wives

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Speaker 2: or their girlfriends and their friends and asking for like

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Speaker 2: do you use this or what products compute this? And

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Speaker 2: I'm like, women are literally giving away the secrets to

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Speaker 2: make men wealthy because we control to spend, we know

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Speaker 2: what people are buying. So if I can help tell

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Speaker 2: women that what actually makes them good consumers is what

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Speaker 2: would make you a good business person or a good investor,

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Speaker 2: then I'm actually going to teach the fisherman to fish,

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Speaker 2: not just give him the fish. And so that's kind

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Speaker 2: of what started, and I think just has spiraled from

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Speaker 2: there to be so much of a mission for me.

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Speaker 2: But it's been really fun along the way, which I

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Speaker 2: honestly haven't been able to say. I've had a lot

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Speaker 2: of excitement in my career, but I haven't had fun

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Speaker 2: like every single day because I really am like the

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Speaker 2: own writer of my destiny now.

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Speaker 1: Honestly, Like, hearing you talk about this, I'm getting so inspired. Yeah,

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Speaker 1: I have like no interest in like investing or in

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Speaker 1: venture capital, and I'm like, what am I going to

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Speaker 1: invest in next? Like, like, my money is my pow.

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Speaker 1: I've never really considered it, which is probably not a

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Speaker 1: great thing to earn up to.

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Speaker 2: But I think that's part of the problem, is that

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Speaker 2: we are not encouraged to even think about the little

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Speaker 2: things that we can do. And I think that is

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Speaker 2: where the way that women think about money is just

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Speaker 2: so fundamentally different than the way that men think about

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Speaker 2: money that it's almost just changing the perception of how

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Speaker 2: hard it is to even think about it. It's like

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Speaker 2: getting people excited to talk about it is part of

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Speaker 2: what the purpose is. Like I will come on record

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Speaker 2: and say I know what I'm good, I know what

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Speaker 2: I'm not. If you want to be a Wall Street

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Speaker 2: guru ninja, I'm probably not the person that's going to

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Speaker 2: teach you how to do that, But I will teach

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Speaker 2: you how to change your mindset towards money, your mindset

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Speaker 2: towards how you think about yourself, your mindset towards how

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Speaker 2: you think about collaboration, and there will be tips and

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Speaker 2: trips along the way and a community to help you

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Speaker 2: build whatever your dream is, whether it's starting a company,

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Speaker 2: investing in a company, being the head of marketing, or

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Speaker 2: whatever your career ambition.

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Speaker 3: Is for you.

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Speaker 1: What I found really interesting about what you just said

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Speaker 1: was how we think about money. And what's really interesting

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Speaker 1: is that my mum is actually an economist, which a

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Speaker 1: lot of people don't know. And so you would think

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Speaker 1: that I have this attitude towards money that would be

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Speaker 1: very different and very rational and very kind of accumulative.

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Speaker 1: But I just feel like I was then socialized, like

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Speaker 1: at school and at university, to see this group of

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Speaker 1: people who care about, you know, wealth management and wealth

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Speaker 1: growth and investing in all those things, and I was like,

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Speaker 1: I don't. I don't see myself represented there. Like I

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Speaker 1: see myself in this more emotional side of things. I

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Speaker 1: see that myself in this more like psychological side. So

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Speaker 1: the fact that you have come up with essentially what

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Speaker 1: is like a coaching brand, almost like this whole brand,

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Speaker 1: and the primary thing I think you is, how do

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Speaker 1: we get strong independent women over there imposter syndrome? And

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Speaker 1: how do we make it so that you see yourself

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Speaker 1: represented in a space that previously you thought you didn't

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Speaker 1: deserve to be in, or whether that's launching your own business,

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Speaker 1: whether that's in like your dream career, whether that's like

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Speaker 1: dating the people you want to date, like speaking your

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Speaker 1: opinion in like a crowded room. One of my favorite

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Speaker 1: taglines that you have is like you are the CEO

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Speaker 1: of a slow life in a fast world. Now. I

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Speaker 1: think that's really important to pull out here, because you know,

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Speaker 1: I love the slow life, you know, I love the

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Speaker 1: soft life, the gentle life where it's not all focused

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Speaker 1: on like productivity and like doing as much as you can.

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Speaker 1: And you kind of spoke about how when you were

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Speaker 1: doing that you were so burnt out and you still

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Speaker 1: had people your boss say to you like, well, you're

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Speaker 1: still not worth it. What does it mean to you now,

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Speaker 1: having started your own company? How do you embody this

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Speaker 1: like slow life in a fast world or in the

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Speaker 1: fast line?

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Speaker 2: I guess it's such a great question, and it's something

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Speaker 2: that I feel so passionate about because I think that

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Speaker 2: we have totally just gone down the wrong way of productivity.

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Speaker 2: People think busyness is productivity, and it is so not.

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Speaker 2: Am I busy of course I am. But I'll give

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Speaker 2: you a great example and a great story. I have

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Speaker 2: been traveling a lot more than normal. I just got

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Speaker 2: back on Monday, it's Wednesday. I'm leaving again on Saturday

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Speaker 2: for two weeks to go to India. I have so

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Speaker 2: many things going on in my life. This week, I've

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Speaker 2: injured my back, so I have, you know, a spy

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Speaker 2: and a specialist appointment. I have all these doctor's appointments.

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Speaker 2: I have all these commitments that I've made, and I

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Speaker 2: could start to feel myself just be like, how am

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Speaker 2: I going to do this? And the old me would

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Speaker 2: have been like wake up at six am, go to

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Speaker 2: bed at twelve, like coffee, coffee, Like skip my workout,

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Speaker 2: skip my mental health. And that is just so detrimental

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Speaker 2: to the longevity of building a marathon versus a sprint

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Speaker 2: of a business. That I sat down with myself and

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Speaker 2: I was like, what are the three most important things

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Speaker 2: of the business? Okay, what are the three most important things?

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Speaker 2: Underneath that? Then I wrote down is there anything that

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Speaker 2: I can delegate? Is there anything that I can take

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Speaker 2: off of my calendar to be able to accomplish everything?

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Speaker 2: And once you break things down, very easily you're able

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Speaker 2: to understand how Yes, there are things that are really

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Speaker 2: important that people are relying on you for. But there's

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Speaker 2: something that my boyfriend recently just taught me that I

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Speaker 2: ask myself every single day when I'm feeling overwhelmed.

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Speaker 3: Is is this urgent or is this important?

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Speaker 2: Because urgency is typically somebody else's to do list, and

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Speaker 2: it is not your job to do somebody else's to

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Speaker 2: do list. It is your job to do what is

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Speaker 2: important for you, your business, your company that you work for,

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Speaker 2: or your career. And so instead of tackling somebody else's

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Speaker 2: urgent to do list, it is the most important for

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Speaker 2: you to do what's important for you, and everybody else

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Speaker 2: can wait. And so there's like little tips and tricks

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Speaker 2: that you can do where you know you can just

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Speaker 2: do different time blocking, day blocking. Sometimes I even put

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Speaker 2: it an out of office just saying I'm going to

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Speaker 2: be slow to respond because of X, Y and Z.

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Speaker 2: And yes, if you work at a big corporation, there

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Speaker 2: might be things you have to work through with your manager,

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Speaker 2: But I do think that if you are really transparent

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Speaker 2: and you have great communication and you explain what you

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Speaker 2: are doing, you.

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Speaker 3: Should all be working towards the same goal.

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Speaker 2: It is easier for people now to be able to

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Speaker 2: work together when you still have boundaries.

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Speaker 1: I absolutely one hundred percent agree. And also something that

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Speaker 1: we say a lot on the podcast, right, boundaries are

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Speaker 1: a sign of respect. Boundaries are a sign of dedication,

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Speaker 1: loyalty and love. Because the time that I have had

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Speaker 1: the least amount of boundaries has actually been when I've

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Speaker 1: disappointed the most people because totally right, like you over commit,

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Speaker 1: you say you can do something because you don't want

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Speaker 1: to let them down, whereas if you had the boundary

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Speaker 1: of saying I'm sorry, I'm clocking off at six, and

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Speaker 1: that's that you know, you don't impress upon someone that

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Speaker 1: you can do more than you can do. And I

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Speaker 1: remember being like when I was at my corporate job,

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Speaker 1: like working as a management consultant. I was in Melbourne.

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Speaker 1: I live in Sydney now and my family all live

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Speaker 1: in Melbourne. And it was my grandma's birthday and I

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Speaker 1: had promised to go to her birthday dinner. And I'm

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Speaker 1: at my job and I'm in a team of five

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Speaker 1: men and it's not a gendered thing, but this is

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Speaker 1: it was gendered for me, and that I didn't feel

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Speaker 1: like I could say, hey, guys, like I'm going to

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Speaker 1: go to my grandma's birthday. Like it was just like

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Speaker 1: emotional thing. And I'm in this team of five men

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Speaker 1: and we're doing a productivity report for a huge like

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Speaker 1: a huge consumer industry body in Australia, and my boss

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Speaker 1: is like, sorry, guys, I'm going to need you all

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Speaker 1: to stay nine, and I ended up, you know, still leaving.

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Speaker 1: You know. I was like, yeah, yeah, sure, I can

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Speaker 1: do that, but then I ended up leaving at eight

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Speaker 1: instead of nine, and then everyone was pissed at me.

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Speaker 1: And I was still late for like my grandma's birthday,

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Speaker 1: and she was I could see, like quite upset. So

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Speaker 1: if I just had the boundary of like, no, I'm sorry,

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Speaker 1: I'm happy to start earlier tomorrow, but this is a

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Speaker 1: hard stop for me, it's like no one would have

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Speaker 1: been hurt. Yes, maybe they would have been initially disappointed,

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Speaker 1: but there's a respect there of like, I respect you

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Speaker 1: enough to be open about what I'm doing and what

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Speaker 1: I needed outside of work, and you better kind of

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Speaker 1: respect me enough to say something. But because it was

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Speaker 1: like this senior male figure in the organization and there

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Speaker 1: were all these guys, and like none of them really

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Speaker 1: had like partners, Like a lot of them were like

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Speaker 1: quite younger. None of them really like had these family commitments.

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Speaker 1: I'm sure they did, just not at that time, like

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Speaker 1: it was so much harder to do it.

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Speaker 2: And I think, you know, it's so funny. I always

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Speaker 2: see like words matter and language matters. And you said,

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Speaker 2: I'm sorry, alartin coming from a Canadian, it comes out

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Speaker 2: of my mouth a lot, but I think you said

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Speaker 2: something really great where it's like you say, I actually

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Speaker 2: thank you for your understanding. I need to leave at

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Speaker 2: six pm for my grandmother's birthday, which is a previous

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Speaker 2: commitment which I told you about.

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Speaker 3: Thank you for your understanding.

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Speaker 2: I will be in the office tomorrow at seven am,

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Speaker 2: three hours earlier than when everybody else is getting in,

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Speaker 2: to finish my part of the work, and I'm happy

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Speaker 2: to review it at a time that's beneficial for both

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Speaker 2: of us. And yes, there are some bosses that will

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Speaker 2: not respect that and want you to be this like

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Speaker 2: scared person of like I'm so sorry, But that's also

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Speaker 2: not an environment that you should want to work in

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Speaker 2: long term because it's not fostering your success and development,

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Speaker 2: and so I think it's things like just even again,

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Speaker 2: like this is hot smart Ridge is a mindset. It's

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Speaker 2: like how do we change people's language and change collaboration,

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Speaker 2: and so it's using language like thank you for your

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Speaker 2: understanding versus I'm sorry because we shouldn't be sorry that

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Speaker 2: we have a life outside of work.

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Speaker 1: It's such people plase a behavior on my pot as well.

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Speaker 1: The i'm sorry thing is something that I find myself doing.

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Speaker 1: It's something I think it must be. Yeah, it is

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Speaker 1: a really good habit to learn of switching, the switching

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Speaker 1: from being apologetic for taking up space and for standing

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Speaker 1: up for yourself that's not something that you need to

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Speaker 1: feel sorry for, to being like thank you for respecting that,

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Speaker 1: like thank you for respecting my boundaries and my autonomy

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Speaker 1: and actually just like respecting me as a person who

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Speaker 1: is nuanced and who was not just their job, who

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Speaker 1: is not just a partner, who was not just anything exactly.

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Speaker 1: I want to move into our first topic of the day,

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Speaker 1: which is how to be hot? Okay, Maggie, hot, smart, rich,

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Speaker 1: Hot is the first word in this in this sequence

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Speaker 1: of beautiful words, What does it actually take to be

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Speaker 1: quote unquote hot? Because I think we know it's not office.

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Speaker 1: We all know that we want to be someone who

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Speaker 1: is perceived as attractive, but it is actually more psychological

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Speaker 1: than it is physical. It is a mental mindset. How

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Speaker 1: do we kind of activate that hot mindset for ourselves?

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Speaker 3: Yeah?

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Speaker 2: I love this question, and I think, you know, it's

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Speaker 2: so funny because people are always like so thrown off

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Speaker 2: when they hear I'm a hot, smart, rich girl. But

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Speaker 2: I think to your point exactly, being hot is such

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Speaker 2: a state of mind, and it really starts with confidence

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Speaker 2: because being your most confident self in whatever that is

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Speaker 2: for you is what is true hotness. To me, I

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Speaker 2: think you know, even for me, coming in and feeling

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Speaker 2: hot is being powerful in my words and my intentions

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Speaker 2: and how I make people.

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Speaker 3: Feel that is hot, like there is.

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Speaker 2: It's going to be different for everybody, but for me,

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Speaker 2: being hot is feeling like I can walk into a

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Speaker 2: room where I don't know anybody, not on my phone,

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Speaker 2: and feel hot and confident that like I am that,

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Speaker 2: like I am that girl that's walking in no matter

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Speaker 2: what I'm wearing, no matter what I'm looking like that day,

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Speaker 2: and no matter how what stage of my cycle I'm in,

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Speaker 2: It's just a confidence and an attitude that I think

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Speaker 2: we as women, to your point earlier, like feel so

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Speaker 2: much imposter syndrome. We feel like do we deserve to

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Speaker 2: be there? And I think like being hot is also

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Speaker 2: just in the way that for me and for you,

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Speaker 2: and how everybody else that's listening to this takes care

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Speaker 2: of themselves, Like what does your self care routine look like?

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Speaker 2: Is that affirmations? Is that journaling? Is that walking? Is

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Speaker 2: that a crazy boxing workout? Is that bicycling? Cycling? It's

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Speaker 2: just what makes you feel fulfilled and makes you feel

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Speaker 2: happy outside of what you do.

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Speaker 3: For your job.

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Speaker 2: And I think the words I get hesitant to like

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Speaker 2: break each down so much because actually where it came

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Speaker 2: from was this idea that I kept seeing on TikTok.

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Speaker 2: Hawk girls do this, Hawk girls do that, And it

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Speaker 2: was this like hot girl walk And I'm like, but

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Speaker 2: I want to be more than just being hot, Like

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Speaker 2: I want to be smart, I want to be happy,

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Speaker 2: I want to be healthy, I want to be abundant. Well,

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Speaker 2: what are the three most catchy words that are clickbait? Hot?

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Speaker 3: Smart, and rich?

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Speaker 2: Of course I want people to be happy and healthy,

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Speaker 2: but I wanted to embody things that weren't just fixating

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Speaker 2: on one thing, because we are so much and that's

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Speaker 2: the whole purpose of Hot, Smart Rich. We are so

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Speaker 2: much more than just one aspect of how we are

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Speaker 2: defined or how we define ourselves. We are multifunctional, amazing

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Speaker 2: creatures that have interests and hobbies and things that we

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Speaker 2: are good at that we want to learn more about.

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Speaker 2: So hot is one aspect of it, but it's also

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Speaker 2: so much more than that.

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Speaker 1: I absolutely love how you put that, you know. I

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Speaker 1: also love the like behind the scenes acknowledgment that it

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Speaker 1: is still a marketing you are still running a business totally.

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Speaker 2: I mean, I think that's what the best the best businesses.

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Speaker 2: And this is something that often because I am so

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Speaker 2: collaborative and I'm giving so many tidbits away and I'm

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Speaker 2: like crying on the internet and going through breakups on

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Speaker 2: the end and all the while joining a seventy five

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Speaker 2: million dollar adventure fund and investing like that is the

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Speaker 2: realness and vulnerability that I think is missing from the workforce.

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Speaker 2: That is why women don't see other women at the

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Speaker 2: top like we do men. That is why we don't

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Speaker 2: see women getting the same amount of dollars invested into

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Speaker 2: them because we have to shy away from anything that

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Speaker 2: makes us look emotional or that makes us look like

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Speaker 2: we have a life outside of our jobs. And so

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Speaker 2: for me, it's like I want women to embrace all

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Speaker 2: aspects of them, obviously again with our own boundaries, like

404
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Speaker 2: you can't go into your job every day crying, of

405
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Speaker 2: course not.

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Speaker 3: But I just want to create a space.

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Speaker 2: And the best businesses are built off of business meets mission.

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Speaker 2: Like if you do not have a why, whether you

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Speaker 2: want to be a content creator, you want to start

410
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Speaker 2: a business, you want to be an investor, your why

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Speaker 2: is what will carry you through. If you don't have that,

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Speaker 2: when things get hard, you will quit. There are days

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Speaker 2: where I just want to what I'm doing, and then

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Speaker 2: I'm like, but what about the girl today that messaged

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Speaker 2: me saying that I helped her raise her first three

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Speaker 2: hundred thousand dollars? Like how could I stop if she

417
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Speaker 2: doesn't have my content? And so I think, yes, of

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Speaker 2: course it's marketing, But the best businesses actually have a

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Speaker 2: true mission and a true why, And so I think

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Speaker 2: it's both, Like I don't think you can have one

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Speaker 2: without the other. And the little tangent I was going

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Speaker 2: on was like people often forget that at the end

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Speaker 2: of the day, I am an investor, I am a

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Speaker 2: business woman. I have you know, done amazing things in

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Speaker 2: my career because it is a business and it is

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Speaker 2: as much coaching, but the currency that the world runs on,

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Speaker 2: like I'm still a big part of that. We buy

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Speaker 2: into that when we join society, so it's it's not

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Speaker 2: a non for profit. It is a mission driven business

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Speaker 2: to do good and give back in a way that

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Speaker 2: still is keeping us into the economic center of how

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Speaker 2: the world works.

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Speaker 3: Does that make sense?

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Speaker 1: It absolutely does. It totally does. Where it's like it

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Speaker 1: totally does in the sense that you cannot do everything

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Speaker 1: for free. It's something that I come across a lot

437
00:22:09,800 --> 00:22:13,600
Speaker 1: you would like to That's the ideal world. A collaborative,

438
00:22:14,200 --> 00:22:17,679
Speaker 1: purely collaborative, purely like barter system, where it's like I

439
00:22:17,720 --> 00:22:19,840
Speaker 1: need this information from you and you can give me

440
00:22:20,440 --> 00:22:23,320
Speaker 1: this information I need from you, like all these kinds

441
00:22:23,320 --> 00:22:25,840
Speaker 1: of things. But it is important to be realistic and

442
00:22:25,880 --> 00:22:28,480
Speaker 1: I want to focus in on what you said about

443
00:22:28,520 --> 00:22:32,200
Speaker 1: your why, because if we're returning to this like overbranching

444
00:22:32,240 --> 00:22:35,520
Speaker 1: original theme of hot I think that you can you

445
00:22:35,560 --> 00:22:36,760
Speaker 1: need to have a why and you need to have

446
00:22:36,800 --> 00:22:41,160
Speaker 1: a mission when it comes to business. The people who

447
00:22:41,200 --> 00:22:44,480
Speaker 1: I see are the most attractive, most confident people have

448
00:22:44,560 --> 00:22:47,680
Speaker 1: a why when it comes to themselves and their purpose,

449
00:22:48,320 --> 00:22:51,000
Speaker 1: and they walk into spaces and then they're almost like,

450
00:22:51,119 --> 00:22:52,959
Speaker 1: I know why I'm here. I know why I deserve

451
00:22:53,000 --> 00:22:55,719
Speaker 1: to be here. I have purpose, I have a mission.

452
00:22:56,119 --> 00:22:59,800
Speaker 1: I have something that I care about that is untouched

453
00:23:00,720 --> 00:23:05,040
Speaker 1: regardless of like what else happens in my personal life

454
00:23:05,119 --> 00:23:09,000
Speaker 1: in this room, outside of this room, whatever anybody says

455
00:23:09,040 --> 00:23:12,160
Speaker 1: to me, at my core, I have something I care

456
00:23:12,200 --> 00:23:16,199
Speaker 1: about which no one else can emulate and which no

457
00:23:16,240 --> 00:23:20,040
Speaker 1: one else can touch. And I think just to give

458
00:23:20,040 --> 00:23:23,360
Speaker 1: the listeners a piece of advice and a habit if

459
00:23:23,359 --> 00:23:27,040
Speaker 1: you want to feel more attractive in yourself and feel

460
00:23:27,080 --> 00:23:31,439
Speaker 1: more attractive in front of others, finding time to really

461
00:23:31,640 --> 00:23:36,000
Speaker 1: sit in that space of what do I actually care about?

462
00:23:36,160 --> 00:23:41,720
Speaker 1: What actually means something to me is honestly a form

463
00:23:41,760 --> 00:23:44,600
Speaker 1: of emotional armor. It is a form of emotional armor

464
00:23:44,640 --> 00:23:48,000
Speaker 1: to walk into a new relationship and new friendship, a

465
00:23:48,080 --> 00:23:51,080
Speaker 1: room of investors, whoever it is, and be like, Okay,

466
00:23:51,119 --> 00:23:53,840
Speaker 1: I win or lose, like this is all part of

467
00:23:53,920 --> 00:23:56,000
Speaker 1: this story for me. Have you kind of found that

468
00:23:56,040 --> 00:23:58,200
Speaker 1: as well with yourself totally.

469
00:23:58,240 --> 00:24:00,000
Speaker 2: I think I can think of like so many different

470
00:24:00,240 --> 00:24:03,840
Speaker 2: stories I could say, but I'll focus maybe on two.

471
00:24:04,200 --> 00:24:06,040
Speaker 3: When I and this is a horrible habit that I

472
00:24:06,119 --> 00:24:06,560
Speaker 3: used to have.

473
00:24:06,680 --> 00:24:10,320
Speaker 2: I used to vape smoke, and I found it very,

474
00:24:10,480 --> 00:24:11,680
Speaker 2: very very hard to quit.

475
00:24:11,800 --> 00:24:13,919
Speaker 3: And it was because it was just like it was

476
00:24:13,960 --> 00:24:14,760
Speaker 3: not intentional.

477
00:24:14,840 --> 00:24:16,920
Speaker 2: I didn't sit with anything, I didn't have any armor,

478
00:24:16,960 --> 00:24:20,399
Speaker 2: as you said, and going kind of tying everything back

479
00:24:20,440 --> 00:24:23,000
Speaker 2: into you know what we first talked about with slow

480
00:24:23,040 --> 00:24:25,879
Speaker 2: living is I watched this ted talk from this doctor

481
00:24:25,920 --> 00:24:28,640
Speaker 2: and it was like, instead of just trying to quit

482
00:24:28,680 --> 00:24:30,600
Speaker 2: cold turkey, which is just going to make you feel

483
00:24:30,600 --> 00:24:32,840
Speaker 2: bad about yourself because you're going to be like I

484
00:24:32,920 --> 00:24:35,240
Speaker 2: have to have it and then you've relapsed, you done

485
00:24:35,280 --> 00:24:38,239
Speaker 2: these things. Actually, I want you to take what your

486
00:24:38,359 --> 00:24:41,440
Speaker 2: vice is and I want you to engage in the activity,

487
00:24:41,680 --> 00:24:43,440
Speaker 2: and when you're doing it, I want you to think

488
00:24:43,480 --> 00:24:45,879
Speaker 2: about how you feel. How do you feel when you

489
00:24:45,920 --> 00:24:49,920
Speaker 2: do it? And I would feel horrible. I felt nauseous,

490
00:24:50,200 --> 00:24:52,840
Speaker 2: my finger smelled, I would get a headache. I would

491
00:24:52,840 --> 00:24:55,119
Speaker 2: then feel like I was out of breath, and so

492
00:24:55,240 --> 00:24:58,119
Speaker 2: once I actually slowed down instead of just using my

493
00:24:58,160 --> 00:25:01,160
Speaker 2: own mental toughness, like how can I so easily what's

494
00:25:01,200 --> 00:25:04,840
Speaker 2: my like? And then be hard on myself. I was

495
00:25:04,920 --> 00:25:07,600
Speaker 2: able to be like, Okay, this doesn't feel good. I

496
00:25:07,640 --> 00:25:10,520
Speaker 2: don't look good, I'm not happy, like it's not making

497
00:25:10,560 --> 00:25:12,359
Speaker 2: my life better. And it was so much easier for

498
00:25:12,400 --> 00:25:15,000
Speaker 2: me to quit something when I was able to ladder

499
00:25:15,000 --> 00:25:17,120
Speaker 2: it up to like being intentional slowing down?

500
00:25:17,200 --> 00:25:18,080
Speaker 3: How did I feel?

501
00:25:18,600 --> 00:25:20,800
Speaker 2: And I think about that those are That's obviously a

502
00:25:20,800 --> 00:25:23,760
Speaker 2: small example, but on a big scale, I called off

503
00:25:23,760 --> 00:25:29,040
Speaker 2: my engagement, and I think without a mission, without AHSR,

504
00:25:29,240 --> 00:25:34,720
Speaker 2: without a purpose, it would have been life altering hard

505
00:25:34,840 --> 00:25:36,840
Speaker 2: Because I didn't have a place to live. I had

506
00:25:36,840 --> 00:25:38,360
Speaker 2: to put all my stuff in storage.

507
00:25:38,920 --> 00:25:40,520
Speaker 3: I was already thirty.

508
00:25:40,680 --> 00:25:43,400
Speaker 2: When people say that your thirties you have everything figured out,

509
00:25:43,400 --> 00:25:46,479
Speaker 2: and your twenties are for being lost and confused, and

510
00:25:46,520 --> 00:25:48,400
Speaker 2: I was like, wait, I just gave up a big

511
00:25:48,440 --> 00:25:51,640
Speaker 2: house in the hills. I don't have anywhere to live.

512
00:25:51,960 --> 00:25:54,600
Speaker 2: All my friends are in relationships. I'm not getting invited

513
00:25:54,600 --> 00:25:58,240
Speaker 2: to parties anymore. That are a couple things and I

514
00:25:58,320 --> 00:26:00,800
Speaker 2: don't know what I'm doing. But all I knew in

515
00:26:00,800 --> 00:26:03,680
Speaker 2: that moment was I had a purpose and a why

516
00:26:03,760 --> 00:26:07,480
Speaker 2: of helping other women. And initially it started as business,

517
00:26:07,640 --> 00:26:09,520
Speaker 2: and then when I was going through what I went through,

518
00:26:10,040 --> 00:26:12,560
Speaker 2: as soon as I talked about it online and opened

519
00:26:12,600 --> 00:26:15,040
Speaker 2: up about the struggles that I was going through, I

520
00:26:15,119 --> 00:26:18,760
Speaker 2: not only felt like I was helping disseminate information, I

521
00:26:18,840 --> 00:26:21,080
Speaker 2: was getting a lot back. I was getting stories of

522
00:26:21,119 --> 00:26:22,880
Speaker 2: women who had gone through something similar.

523
00:26:23,400 --> 00:26:24,720
Speaker 3: And that was the moment where I.

524
00:26:24,680 --> 00:26:28,240
Speaker 2: Realized, like, yes, ahsr is, you know business and finance,

525
00:26:28,280 --> 00:26:30,440
Speaker 2: but it's so much more than that, because, like I said,

526
00:26:30,480 --> 00:26:33,600
Speaker 2: we're such multi hyphenic creatures and we're going to go

527
00:26:33,680 --> 00:26:35,840
Speaker 2: through so much in our lives that it's hard to

528
00:26:36,000 --> 00:26:38,480
Speaker 2: just focus on one aspect. And that's kind of the

529
00:26:38,520 --> 00:26:40,960
Speaker 2: moment that I realized too. It's like, it's not just

530
00:26:41,040 --> 00:26:45,160
Speaker 2: business one oh one, it's like life upgrade, glow up, hot, smart,

531
00:26:45,240 --> 00:26:46,080
Speaker 2: rich life one oh.

532
00:26:46,000 --> 00:26:48,920
Speaker 1: One, doing what is best for you, even when it's hot.

533
00:26:49,040 --> 00:26:52,840
Speaker 1: That's pretty hot, so hard I can imagine that must

534
00:26:52,840 --> 00:26:58,399
Speaker 1: have been. That just must have been excruciating, having to

535
00:26:58,440 --> 00:27:02,840
Speaker 1: sit in that decision and knowing that either one was

536
00:27:02,880 --> 00:27:06,600
Speaker 1: going to be difficult. There was not a single easy

537
00:27:06,640 --> 00:27:10,359
Speaker 1: option out of that, and sometimes in both of those examples.

538
00:27:11,160 --> 00:27:14,360
Speaker 1: I do think that one of the best things that

539
00:27:14,400 --> 00:27:17,880
Speaker 1: you can do for yourself in your life at any

540
00:27:17,920 --> 00:27:23,360
Speaker 1: point is to do the thing that is incredibly scary

541
00:27:23,920 --> 00:27:26,560
Speaker 1: and that you have absolutely no certainty is going to

542
00:27:26,600 --> 00:27:31,119
Speaker 1: work out, because I honestly believe that it's in those

543
00:27:31,240 --> 00:27:35,040
Speaker 1: risks where the most potential is held. And the reason

544
00:27:35,040 --> 00:27:37,879
Speaker 1: that a lot of people don't find their potential is

545
00:27:37,920 --> 00:27:42,240
Speaker 1: because the fear kind of holds them back as it

546
00:27:42,359 --> 00:27:46,560
Speaker 1: naturally as it would and when you kind of walk

547
00:27:46,640 --> 00:27:50,159
Speaker 1: past that, it's such a visual thing for me, but

548
00:27:50,200 --> 00:27:54,160
Speaker 1: I think of it as like this big dome, this

549
00:27:54,200 --> 00:27:59,439
Speaker 1: big like iridescent dome or like iridescent like kind of

550
00:27:59,480 --> 00:28:04,320
Speaker 1: like she old or like curtain, and when you step

551
00:28:04,359 --> 00:28:07,800
Speaker 1: through it, it's suddenly like a whole new world. Suddenly like, oh,

552
00:28:07,800 --> 00:28:10,160
Speaker 1: I just did that really really scary, really hard thing.

553
00:28:11,240 --> 00:28:15,119
Speaker 1: What's next? If that was like calling off an engagement

554
00:28:15,720 --> 00:28:18,560
Speaker 1: that there are so many people who I can imagine

555
00:28:19,200 --> 00:28:21,320
Speaker 1: had the desire to do that and didn't do it

556
00:28:21,359 --> 00:28:24,240
Speaker 1: and now are in relationships that are not right for

557
00:28:24,280 --> 00:28:28,000
Speaker 1: them ten twenty thirty years down the line. And it's

558
00:28:28,000 --> 00:28:30,480
Speaker 1: so much more scary to sit in a life that

559
00:28:30,560 --> 00:28:33,199
Speaker 1: you didn't actively choose and know that you have to

560
00:28:33,200 --> 00:28:37,399
Speaker 1: make peace with it rather than take the risk earlier on,

561
00:28:38,120 --> 00:28:38,520
Speaker 1: If that.

562
00:28:38,440 --> 00:28:39,560
Speaker 3: Makes sense exactly.

563
00:28:39,600 --> 00:28:42,680
Speaker 2: It's like every big moment in my life that has

564
00:28:42,840 --> 00:28:48,160
Speaker 2: unlocked opportunity has come right after those terrifying, scary moments.

565
00:28:48,200 --> 00:28:50,600
Speaker 2: And for me, like you've envision of DOMI envision a

566
00:28:50,640 --> 00:28:54,080
Speaker 2: wall that you like, walk through, kick down whatever it is.

567
00:28:53,960 --> 00:28:55,680
Speaker 3: That you have to get through to get to the

568
00:28:55,720 --> 00:28:56,320
Speaker 3: other side.

569
00:28:56,840 --> 00:28:59,360
Speaker 2: And even moving from Canada to the States, like I

570
00:28:59,480 --> 00:29:02,520
Speaker 2: knew nobody, I had to sell my house in Canada

571
00:29:02,640 --> 00:29:05,280
Speaker 2: and I had to deal with visa issues and like

572
00:29:05,360 --> 00:29:08,280
Speaker 2: it was, it was horrible. Like my visas when I

573
00:29:08,280 --> 00:29:10,800
Speaker 2: first moved here, they were a year long. So think

574
00:29:10,800 --> 00:29:13,280
Speaker 2: about signing a car lease, think about signing an apartment.

575
00:29:13,360 --> 00:29:15,600
Speaker 2: You're like, am I going to be here in a year?

576
00:29:15,640 --> 00:29:16,239
Speaker 3: I don't know.

577
00:29:17,000 --> 00:29:20,560
Speaker 2: And so everything that has unlocked the next step of

578
00:29:20,600 --> 00:29:23,240
Speaker 2: my life and the next The place that I'm at

579
00:29:23,320 --> 00:29:26,000
Speaker 2: today is exactly where I dreamt of five years ago.

580
00:29:26,120 --> 00:29:29,080
Speaker 2: And guess what, the goalpost keeps moving. But to get

581
00:29:29,120 --> 00:29:31,360
Speaker 2: to this place that I once dreamt up, it was

582
00:29:31,480 --> 00:29:35,600
Speaker 2: literally walking down and kicking down and busting down walls

583
00:29:35,680 --> 00:29:38,080
Speaker 2: like relationships.

584
00:29:37,560 --> 00:29:40,000
Speaker 3: Where I live, my job, my career.

585
00:29:40,720 --> 00:29:44,040
Speaker 2: Nothing that you want is ever when it's comfortable. Like

586
00:29:44,440 --> 00:29:47,480
Speaker 2: if things are comfortable, you are not growing, you are

587
00:29:47,520 --> 00:29:49,400
Speaker 2: not learning. And to your point earlier, I love when

588
00:29:49,400 --> 00:29:52,160
Speaker 2: people say it's part of your story. We live in

589
00:29:52,200 --> 00:29:56,160
Speaker 2: a world of storytelling now, we have so much information.

590
00:29:56,480 --> 00:29:59,640
Speaker 2: It's about curation, it's about it's it's it's about being

591
00:29:59,680 --> 00:30:02,960
Speaker 2: able to capture somebody's attention, whether you are a podcast

592
00:30:03,040 --> 00:30:07,080
Speaker 2: or a creator, a brand, as a storyteller. So if

593
00:30:07,120 --> 00:30:09,800
Speaker 2: all you've had your whole life is an easy story,

594
00:30:10,400 --> 00:30:12,400
Speaker 2: who are you going to inspire? Who is going to

595
00:30:12,560 --> 00:30:15,560
Speaker 2: rally around you? So there is a level of needing

596
00:30:15,600 --> 00:30:20,240
Speaker 2: to go through hardship, needing to go through loss, experience, grief, experience,

597
00:30:20,360 --> 00:30:23,800
Speaker 2: these things that we so often shy away from and

598
00:30:23,840 --> 00:30:26,200
Speaker 2: we want to bury down inside of us. But those

599
00:30:26,240 --> 00:30:29,760
Speaker 2: are the unlocks to find real connection in this life,

600
00:30:29,880 --> 00:30:34,640
Speaker 2: real community, real stories. So I think anybody that's going

601
00:30:34,680 --> 00:30:37,320
Speaker 2: through something that right now that feels like it's unfair

602
00:30:37,560 --> 00:30:41,280
Speaker 2: or it's you know, it's so hard, that is going

603
00:30:41,360 --> 00:30:44,400
Speaker 2: to make you successful one day and that is what's

604
00:30:44,480 --> 00:30:47,800
Speaker 2: going to be something that will inspire somebody else. So

605
00:30:47,880 --> 00:30:50,680
Speaker 2: it's just about having to go through things instead of

606
00:30:50,720 --> 00:30:53,000
Speaker 2: just trying to get through something, like go through it

607
00:30:53,040 --> 00:30:55,280
Speaker 2: and feel it, because that is what will fuel you

608
00:30:55,720 --> 00:30:58,440
Speaker 2: and your next phase of being able to inspire somebody.

609
00:31:00,440 --> 00:31:04,120
Speaker 1: Also, that is what is going to create better relationships

610
00:31:04,800 --> 00:31:09,959
Speaker 1: for you. Better everything, better habits, better relationships. I don't know.

611
00:31:10,320 --> 00:31:14,240
Speaker 1: Everybody has to have an origin story. I truly believe it.

612
00:31:14,320 --> 00:31:17,080
Speaker 1: Everyone has like two to three moments that they're like,

613
00:31:17,160 --> 00:31:19,800
Speaker 1: that was really difficult and I came out of it.

614
00:31:19,840 --> 00:31:21,800
Speaker 1: And for the listeners right now, I want you to

615
00:31:21,840 --> 00:31:25,080
Speaker 1: think about what those moments are, two to three moments

616
00:31:25,120 --> 00:31:28,880
Speaker 1: of hardship where things were really really difficult that were

617
00:31:29,120 --> 00:31:34,120
Speaker 1: actually also a point of like a pivot point in

618
00:31:34,160 --> 00:31:36,960
Speaker 1: your life that took you on a new path. So

619
00:31:37,160 --> 00:31:39,040
Speaker 1: we're going to take a short break, but when we return,

620
00:31:39,160 --> 00:31:42,320
Speaker 1: I want to talk about how to be smart and

621
00:31:42,400 --> 00:31:50,960
Speaker 1: how to be rich. Welcome back, Maggie. My favorite part

622
00:31:50,960 --> 00:31:55,480
Speaker 1: of the hot smart rich equation is the smart element.

623
00:31:55,600 --> 00:31:58,440
Speaker 1: I think because when I was a kid, that was

624
00:31:58,520 --> 00:32:01,920
Speaker 1: kind of all I had. Was not a cute, hot teenager.

625
00:32:02,160 --> 00:32:05,600
Speaker 1: I was not a wealthy teenager. But when I was

626
00:32:05,640 --> 00:32:09,520
Speaker 1: like in my hometown, like home city, the one thing

627
00:32:09,560 --> 00:32:13,800
Speaker 1: I had was brains, and I knew how to work

628
00:32:13,840 --> 00:32:17,040
Speaker 1: really hard. And I think that that has been something

629
00:32:17,040 --> 00:32:19,840
Speaker 1: that has activated a lot of a lot of what

630
00:32:19,920 --> 00:32:23,960
Speaker 1: my life is now was having that element of me.

631
00:32:24,120 --> 00:32:26,520
Speaker 1: And one of the big things that I love about

632
00:32:26,520 --> 00:32:29,600
Speaker 1: the podcast is that it does make people more educated.

633
00:32:30,320 --> 00:32:33,600
Speaker 1: It really makes them more knowledgeable about themselves. There's like

634
00:32:33,640 --> 00:32:36,920
Speaker 1: that huge element of psycho education. I think that is

635
00:32:37,040 --> 00:32:43,480
Speaker 1: just so so important. How do you go about expanding

636
00:32:43,880 --> 00:32:46,600
Speaker 1: your kind of intellect and your EQ and your IQ

637
00:32:46,800 --> 00:32:51,240
Speaker 1: Because you are a highly knowledgeable individual, you have your

638
00:32:51,280 --> 00:32:53,800
Speaker 1: hands in a lot of different pots in terms of

639
00:32:53,840 --> 00:32:57,080
Speaker 1: like the content you consume, the papers you read, like

640
00:32:57,160 --> 00:33:01,360
Speaker 1: where you get inspiration. So give the listener your formula

641
00:33:01,440 --> 00:33:01,960
Speaker 1: if you will.

642
00:33:02,800 --> 00:33:03,800
Speaker 3: I love this question.

643
00:33:05,120 --> 00:33:08,960
Speaker 2: So I think it comes down to your diet, which

644
00:33:09,000 --> 00:33:12,080
Speaker 2: seems counterintuitive for the smart pillar, But what I mean

645
00:33:12,120 --> 00:33:16,600
Speaker 2: by that is your information diet is so important, and

646
00:33:16,680 --> 00:33:20,160
Speaker 2: what you consume and who you surround yourself with is

647
00:33:20,160 --> 00:33:22,880
Speaker 2: truly what they say is like you are the byproduct

648
00:33:22,960 --> 00:33:24,920
Speaker 2: of the five closest people to you, or the people

649
00:33:24,920 --> 00:33:27,400
Speaker 2: you surround yourself with the most. And I think I've

650
00:33:27,560 --> 00:33:29,520
Speaker 2: gone through this a lot when you're in your twenties,

651
00:33:29,600 --> 00:33:31,720
Speaker 2: you really are focused on being invited to the right

652
00:33:31,760 --> 00:33:35,360
Speaker 2: things and being around this vast amount of people and

653
00:33:35,400 --> 00:33:37,760
Speaker 2: being at the being seen at the right spots. And

654
00:33:38,200 --> 00:33:41,480
Speaker 2: when you do go through this, like end of twenties,

655
00:33:41,520 --> 00:33:44,200
Speaker 2: early thirties, you kind of you realize that it's really

656
00:33:44,240 --> 00:33:48,200
Speaker 2: around the quality of people that you're around, the quality

657
00:33:48,200 --> 00:33:51,080
Speaker 2: of events, the quality of conversations that you're having. And

658
00:33:51,120 --> 00:33:53,560
Speaker 2: so I think as it relates to kind of how

659
00:33:53,560 --> 00:33:56,400
Speaker 2: I absorb information, I like to surround myself with people

660
00:33:56,440 --> 00:33:59,360
Speaker 2: that talk about ideas, they don't talk about other people.

661
00:33:59,840 --> 00:34:03,000
Speaker 2: And if I am around people that I feel are

662
00:34:03,160 --> 00:34:06,320
Speaker 2: constantly talking about people, like listen, we're all human.

663
00:34:06,480 --> 00:34:07,479
Speaker 3: It is human nature.

664
00:34:07,800 --> 00:34:10,080
Speaker 2: It is one of the sins that was put on

665
00:34:10,120 --> 00:34:12,760
Speaker 2: this We're Earth that yes, some people are going to gossip.

666
00:34:12,840 --> 00:34:14,960
Speaker 2: So I'm not saying as soon as you hear somebody,

667
00:34:15,000 --> 00:34:18,719
Speaker 2: but for any listeners that feel like their conversations with

668
00:34:18,760 --> 00:34:21,680
Speaker 2: the people in their lives are always about other people,

669
00:34:21,920 --> 00:34:23,920
Speaker 2: that's a really bad sign that you are not on

670
00:34:24,000 --> 00:34:27,080
Speaker 2: a path of increasing your intellect. So, as hard and

671
00:34:27,120 --> 00:34:29,359
Speaker 2: scary as it is, it's about kind of shrinking your

672
00:34:29,360 --> 00:34:32,239
Speaker 2: circle down and finding the moments and the conversations and

673
00:34:32,280 --> 00:34:35,040
Speaker 2: the people that make your world bigger and brighter and

674
00:34:35,120 --> 00:34:37,400
Speaker 2: not darker and shallower.

675
00:34:38,640 --> 00:34:39,839
Speaker 3: So I think that's the first thing.

676
00:34:39,880 --> 00:34:42,399
Speaker 2: And then again your information diet, So like what are

677
00:34:42,400 --> 00:34:45,879
Speaker 2: you spending time on? Do you subscribe to newsletters that

678
00:34:46,280 --> 00:34:50,120
Speaker 2: challenge a point of thinking? Do you are you able

679
00:34:50,200 --> 00:34:54,080
Speaker 2: to read and have conversations with people that think differently

680
00:34:54,160 --> 00:34:56,680
Speaker 2: than you? In terms of like what I'm consuming on

681
00:34:56,680 --> 00:34:59,000
Speaker 2: a daily basis, I used to wake up every single

682
00:34:59,040 --> 00:35:01,920
Speaker 2: day check social media and actually scroll social media for

683
00:35:02,000 --> 00:35:06,040
Speaker 2: hours or too long. Now okay, maybe I check it

684
00:35:06,080 --> 00:35:08,719
Speaker 2: for five minutes, and then I immediately go to my

685
00:35:08,760 --> 00:35:11,239
Speaker 2: email and I'm going through the newsletters of what I

686
00:35:11,280 --> 00:35:13,560
Speaker 2: have subscribed to and that I want to actually like

687
00:35:13,640 --> 00:35:14,799
Speaker 2: think about for the day.

688
00:35:15,239 --> 00:35:17,560
Speaker 3: So that can range from things that are pop culture

689
00:35:17,640 --> 00:35:19,400
Speaker 3: like Future Party.

690
00:35:19,160 --> 00:35:22,279
Speaker 2: Is one that I love, to something like Axios, which

691
00:35:22,280 --> 00:35:25,160
Speaker 2: is where I get venture capital and finance news. I

692
00:35:25,280 --> 00:35:28,240
Speaker 2: subscribe and pay for everything from bof Business and Fashion

693
00:35:28,440 --> 00:35:31,239
Speaker 2: WWD to get the beauty and fashion side, to like

694
00:35:31,280 --> 00:35:34,800
Speaker 2: New York Times in Wall Street Journal. I love reading

695
00:35:34,840 --> 00:35:38,000
Speaker 2: different people's povs and instead of just believing it to

696
00:35:38,040 --> 00:35:41,360
Speaker 2: be true, is really like sitting with and again slowing

697
00:35:41,400 --> 00:35:44,560
Speaker 2: down and being mindful about what's their pub what's their.

698
00:35:44,480 --> 00:35:46,080
Speaker 3: Opinion, how do I think about it?

699
00:35:46,200 --> 00:35:48,640
Speaker 2: What would I think differently about and do I have

700
00:35:48,680 --> 00:35:51,480
Speaker 2: any resources to back up why my opinion might be different.

701
00:35:52,040 --> 00:35:55,279
Speaker 2: So that's kind of my way that I expand. I

702
00:35:55,320 --> 00:35:59,520
Speaker 2: listen to so many podcasts. You are literally my favorite podcast,

703
00:35:59,520 --> 00:36:00,960
Speaker 2: even though I'm not in my twenties.

704
00:36:01,040 --> 00:36:02,160
Speaker 3: I live for it.

705
00:36:03,640 --> 00:36:06,920
Speaker 2: And then I read books, and I go out in

706
00:36:06,960 --> 00:36:09,160
Speaker 2: the world and I instead of when I'm at Sephora

707
00:36:09,400 --> 00:36:11,680
Speaker 2: and I am like, oh God, am I going to

708
00:36:11,719 --> 00:36:14,759
Speaker 2: spend thirty dollars in this eybropencil, I'm studying people. I'm

709
00:36:14,800 --> 00:36:18,799
Speaker 2: watching what brands are people going towards? How are they

710
00:36:18,800 --> 00:36:21,560
Speaker 2: doing their marketing at summer Fridays. Now, that to me

711
00:36:21,760 --> 00:36:25,480
Speaker 2: is all increasing my intellect and taking inventory because I'm

712
00:36:25,480 --> 00:36:28,600
Speaker 2: being mindful about what I can learn other than just

713
00:36:28,640 --> 00:36:32,160
Speaker 2: being passively going through life. That is the way that

714
00:36:32,200 --> 00:36:35,000
Speaker 2: you don't grow your intellect. You just let the world

715
00:36:35,160 --> 00:36:37,920
Speaker 2: lead you instead of being your own CEO of your life.

716
00:36:38,160 --> 00:36:40,200
Speaker 1: Something that I was thinking the other day was when

717
00:36:40,320 --> 00:36:42,600
Speaker 1: was the last time that you learned something new and

718
00:36:42,760 --> 00:36:45,399
Speaker 1: truly learned something new, the way that you would learn

719
00:36:45,440 --> 00:36:48,399
Speaker 1: something new at school. You think about all those early years.

720
00:36:48,440 --> 00:36:50,759
Speaker 1: We are just a sponge for new information. We are

721
00:36:50,800 --> 00:36:56,799
Speaker 1: a sponge for opinions, for history, for grammar, literature, and

722
00:36:56,840 --> 00:37:00,279
Speaker 1: then it all becomes centered mainly on what you do

723
00:37:00,920 --> 00:37:05,400
Speaker 1: for work. And I've typically found that there is this

724
00:37:05,480 --> 00:37:09,239
Speaker 1: weird lull between like our late twenties, early thirties, even

725
00:37:09,320 --> 00:37:12,920
Speaker 1: like early twenties, where we feel very boring and we

726
00:37:13,040 --> 00:37:16,680
Speaker 1: feel a lot less interested in our lives. And you

727
00:37:16,719 --> 00:37:19,600
Speaker 1: have these conversations with people sometimes where you're like, what

728
00:37:19,640 --> 00:37:21,680
Speaker 1: are we even talking about? Like we can't talk about

729
00:37:21,719 --> 00:37:24,239
Speaker 1: this for the same for the third fifth, you know,

730
00:37:24,360 --> 00:37:29,440
Speaker 1: seventh time, because of I think in educational and information

731
00:37:29,960 --> 00:37:32,600
Speaker 1: and informational deficit. I'm going to pull something that you

732
00:37:32,680 --> 00:37:35,880
Speaker 1: said from before about when you used to be addicted

733
00:37:35,920 --> 00:37:40,320
Speaker 1: to smoking and vaping. Notice how that makes you feel?

734
00:37:40,360 --> 00:37:44,200
Speaker 1: And the same thing here. Notice how not providing yourself

735
00:37:44,239 --> 00:37:49,319
Speaker 1: with stimulation and information and a real like juicy form

736
00:37:49,360 --> 00:37:52,279
Speaker 1: of entertainment that is you know the news and that

737
00:37:52,400 --> 00:37:55,279
Speaker 1: is articles and that is other people's knowledge. How does

738
00:37:55,320 --> 00:37:58,000
Speaker 1: that make you feel? Do you feel a bit more shallow?

739
00:37:58,400 --> 00:38:00,279
Speaker 1: Do you feel like you could do with something more

740
00:38:00,280 --> 00:38:02,920
Speaker 1: interesting in your life. I love your formula for like

741
00:38:03,000 --> 00:38:09,080
Speaker 1: what newsletters you subscribe to substack also amazing. I really

742
00:38:09,160 --> 00:38:12,120
Speaker 1: enjoyed like starting my day listening to like the Daily

743
00:38:12,320 --> 00:38:14,920
Speaker 1: or we have like the Daily Os, the Daily Australian,

744
00:38:15,520 --> 00:38:18,960
Speaker 1: which is like, it's so Australian. There are so listen

745
00:38:18,960 --> 00:38:20,680
Speaker 1: to it if you're Australian because if you're not, it's

746
00:38:20,680 --> 00:38:23,160
Speaker 1: like crocodile attack. What does that mean for like, what

747
00:38:23,160 --> 00:38:26,640
Speaker 1: does that mean for politics? Because yeah, those two things

748
00:38:26,760 --> 00:38:31,719
Speaker 1: are linked. And even doing small things and I know

749
00:38:31,760 --> 00:38:34,040
Speaker 1: everyone's obsessed with like the New York Times, like world

750
00:38:34,040 --> 00:38:37,919
Speaker 1: all in connections. I love doing that. One more thing.

751
00:38:38,719 --> 00:38:40,239
Speaker 1: This is something that I should have said right at

752
00:38:40,239 --> 00:38:42,400
Speaker 1: the beginning when I was giving my own personal formula.

753
00:38:43,320 --> 00:38:47,160
Speaker 1: The Good Weekend Quiz so fun. Me and my partner

754
00:38:47,160 --> 00:38:50,400
Speaker 1: do it every single Saturday morning. We get our coffee,

755
00:38:50,760 --> 00:38:52,760
Speaker 1: we sit down. All our friends do it as well,

756
00:38:53,239 --> 00:38:55,200
Speaker 1: and it is so much fun because then we can

757
00:38:55,320 --> 00:38:57,880
Speaker 1: compare answers. Even my family does it. They have it

758
00:38:57,960 --> 00:39:00,840
Speaker 1: on Instagram. It's called the Good Weekend Quiz, and it's

759
00:39:01,120 --> 00:39:03,799
Speaker 1: such a great way to just be like, Okay, I'm

760
00:39:03,800 --> 00:39:06,799
Speaker 1: not immediately waking up and scrolling my phone for the

761
00:39:06,800 --> 00:39:09,959
Speaker 1: next eight hours, like there's some diversity in what I'm

762
00:39:10,160 --> 00:39:14,520
Speaker 1: feeding my brain, my informational diet as you called it.

763
00:39:14,520 --> 00:39:15,800
Speaker 3: It is so critical.

764
00:39:15,800 --> 00:39:17,400
Speaker 2: And I love that you said your partner and you

765
00:39:17,440 --> 00:39:20,520
Speaker 2: do that because we spend so much time with our

766
00:39:20,600 --> 00:39:23,160
Speaker 2: partner and if you look at your relationship and you

767
00:39:23,200 --> 00:39:26,640
Speaker 2: don't have those healthy habits and rituals and routines like

768
00:39:27,120 --> 00:39:29,359
Speaker 2: that is a sign that it.

769
00:39:29,320 --> 00:39:31,240
Speaker 3: Will be harder in the future.

770
00:39:31,480 --> 00:39:33,080
Speaker 2: I think that was one of the things that made

771
00:39:33,160 --> 00:39:36,200
Speaker 2: me really take a very hard look at my life

772
00:39:36,280 --> 00:39:38,600
Speaker 2: when I was thinking twenty years down the line, like

773
00:39:38,680 --> 00:39:41,160
Speaker 2: what is going to bind us and bond us? And

774
00:39:41,480 --> 00:39:44,839
Speaker 2: it's those little rituals like my partner and I now

775
00:39:44,880 --> 00:39:47,320
Speaker 2: we do and we send each other in news that

776
00:39:47,360 --> 00:39:49,200
Speaker 2: are back and forth every single Sunday when it comes

777
00:39:49,239 --> 00:39:51,640
Speaker 2: out of our favorite motivational quotes for the week what

778
00:39:51,680 --> 00:39:53,239
Speaker 2: we want to take with us, and it's like these

779
00:39:53,320 --> 00:39:56,120
Speaker 2: little things that it's not the big things. What I've

780
00:39:56,200 --> 00:39:59,280
Speaker 2: learned in all my failures is it's not the big

781
00:39:59,320 --> 00:40:02,719
Speaker 2: moments really change your life. It's the small things that

782
00:40:02,800 --> 00:40:05,840
Speaker 2: you do every single day, the rituals you have to

783
00:40:06,480 --> 00:40:10,759
Speaker 2: make you feel hot, make you smarter, make you have

784
00:40:10,880 --> 00:40:14,320
Speaker 2: more financial abundance. And if you don't take inventory of

785
00:40:14,360 --> 00:40:16,320
Speaker 2: the small things like how much time are you spending

786
00:40:16,320 --> 00:40:19,400
Speaker 2: on social media, your life will go so fast and

787
00:40:19,440 --> 00:40:21,880
Speaker 2: you will not know where you went with it. So

788
00:40:21,960 --> 00:40:24,480
Speaker 2: I think it's just being really cognizant of those little

789
00:40:24,520 --> 00:40:26,879
Speaker 2: things like what you guys do every single weeks. Yeah,

790
00:40:26,880 --> 00:40:28,400
Speaker 2: there is so important.

791
00:40:29,200 --> 00:40:33,160
Speaker 1: Also, novelty makes time literally feel longer. There was this

792
00:40:33,320 --> 00:40:36,400
Speaker 1: amazing study about it a couple of years ago. The

793
00:40:36,520 --> 00:40:39,200
Speaker 1: older we get. The reason why it feels like time

794
00:40:39,280 --> 00:40:41,440
Speaker 1: is going faster and faster and faster is because we

795
00:40:41,520 --> 00:40:44,880
Speaker 1: have fewer novel experiences. So if you want to feel

796
00:40:44,920 --> 00:40:48,919
Speaker 1: like your year is two years three years long, give

797
00:40:48,960 --> 00:40:52,640
Speaker 1: yourself more novelty. Scrolling on your phone. We all do it.

798
00:40:52,800 --> 00:40:56,840
Speaker 1: Not novelty, uh, doing the same you know, watching the

799
00:40:56,840 --> 00:40:59,400
Speaker 1: same thing every single night, same routine, aating in the

800
00:40:59,440 --> 00:41:03,400
Speaker 1: same places. Not novelty, new experiences. Literally give time.

801
00:41:03,640 --> 00:41:07,480
Speaker 2: I actually heard one thing that's changed my life actually

802
00:41:07,480 --> 00:41:10,400
Speaker 2: this year on That is, if you want to increase

803
00:41:10,440 --> 00:41:14,240
Speaker 2: your brain elasticity, you need to do things out of routine.

804
00:41:14,280 --> 00:41:15,640
Speaker 2: So even if you want to go to the same

805
00:41:15,680 --> 00:41:18,719
Speaker 2: grocery store. Walk the path differently than you usually do.

806
00:41:19,160 --> 00:41:21,360
Speaker 2: If you want to do the same hike every single day,

807
00:41:21,520 --> 00:41:24,800
Speaker 2: do it the opposite way down, because that will actually

808
00:41:24,840 --> 00:41:28,040
Speaker 2: help create new brain structures and it won't just give

809
00:41:28,080 --> 00:41:30,520
Speaker 2: you the same thing every single day, which will make

810
00:41:30,600 --> 00:41:34,040
Speaker 2: not only time feel longer, but also will actually increase

811
00:41:34,040 --> 00:41:35,160
Speaker 2: your neuroplasticity.

812
00:41:36,200 --> 00:41:39,600
Speaker 1: It's one hundred percent true kind of test the science

813
00:41:39,719 --> 00:41:43,000
Speaker 1: is there. The way that I always you're like, yes,

814
00:41:43,040 --> 00:41:45,920
Speaker 1: I got it right. The way I the way I

815
00:41:46,000 --> 00:41:50,279
Speaker 1: always explain it is a big law. Imagine like a

816
00:41:50,280 --> 00:41:53,440
Speaker 1: big field at a public park, and you know, of

817
00:41:53,480 --> 00:41:56,600
Speaker 1: course there's like the path around, and that's the path

818
00:41:56,640 --> 00:41:59,080
Speaker 1: that you're walking every day. But then you start walking

819
00:41:59,080 --> 00:42:01,480
Speaker 1: off the path and you start creating these little paths

820
00:42:01,520 --> 00:42:04,600
Speaker 1: through the grass that are actually making like the circuit

821
00:42:04,680 --> 00:42:08,560
Speaker 1: faster or giving like giving nuance. That's how I always

822
00:42:08,600 --> 00:42:10,920
Speaker 1: like to think of it as like these little runoff paths.

823
00:42:11,239 --> 00:42:15,920
Speaker 1: And you're absolutely totally right. Neuroplasticity. As we get older,

824
00:42:16,600 --> 00:42:19,360
Speaker 1: your brain is still rewiring, your brain is still growing.

825
00:42:19,760 --> 00:42:22,920
Speaker 1: I know there is this saying that you know, our

826
00:42:22,960 --> 00:42:27,240
Speaker 1: brain only fully develops matures at twenty five not correct.

827
00:42:27,800 --> 00:42:33,600
Speaker 1: Not correct. Our life is a constant pattern of neuroplasticity,

828
00:42:33,800 --> 00:42:39,439
Speaker 1: synaptic pruning, growing like new connections, long term potentiation. It's

829
00:42:39,560 --> 00:42:43,200
Speaker 1: absolutely wild. So you can completely reprogram restructure how your

830
00:42:43,200 --> 00:42:46,880
Speaker 1: brain thinks about something at thirty five, at forty, at fifty.

831
00:42:47,239 --> 00:42:48,600
Speaker 3: Wait, I love that so much.

832
00:42:48,640 --> 00:42:51,520
Speaker 2: And also just like, again, you're using words that I

833
00:42:51,520 --> 00:42:53,920
Speaker 2: don't understand. Yeah, but I'm so excited about that, and

834
00:42:53,960 --> 00:42:55,480
Speaker 2: I'm going to write them down and go and look

835
00:42:55,520 --> 00:42:57,360
Speaker 2: at that, because that's just a way where instead of

836
00:42:57,400 --> 00:43:00,160
Speaker 2: feeling stupid or feeling like I don't know that, I

837
00:43:00,200 --> 00:43:02,640
Speaker 2: will on a podcast that I'm sure a lot of

838
00:43:02,640 --> 00:43:04,600
Speaker 2: people listen to be like, I actually don't know the

839
00:43:04,600 --> 00:43:06,799
Speaker 2: words that you just said, and that's okay because it

840
00:43:06,800 --> 00:43:08,560
Speaker 2: means I'm going to learn something new. And so I

841
00:43:08,560 --> 00:43:11,440
Speaker 2: think it's just about like being open for the journey

842
00:43:11,480 --> 00:43:14,840
Speaker 2: and being honest, like I will remember diligencing one of

843
00:43:14,880 --> 00:43:17,399
Speaker 2: the hardest deals of ever diligenced. I called my sister

844
00:43:17,480 --> 00:43:19,359
Speaker 2: who's now my business partner, and I was like, Hey,

845
00:43:19,440 --> 00:43:21,560
Speaker 2: I have no clue what any of this means. It

846
00:43:21,600 --> 00:43:24,120
Speaker 2: doesn't mean that I don't belong in the room. I

847
00:43:24,360 --> 00:43:26,200
Speaker 2: just don't know how to do a model like this?

848
00:43:26,440 --> 00:43:29,239
Speaker 2: Can you please help me? And I think it's just

849
00:43:29,719 --> 00:43:32,560
Speaker 2: being able to have even that level of awareness where

850
00:43:32,600 --> 00:43:35,320
Speaker 2: it's like it doesn't make me not able or deserving

851
00:43:35,360 --> 00:43:37,520
Speaker 2: to do this, but I actually need your help.

852
00:43:38,040 --> 00:43:39,719
Speaker 3: You will be surprised how far that will take you

853
00:43:39,760 --> 00:43:40,120
Speaker 3: in your.

854
00:43:40,040 --> 00:43:45,319
Speaker 1: Life, one hundred percent. Finally, let's turn to how to

855
00:43:45,320 --> 00:43:48,920
Speaker 1: be rich in our twenties, in our life and kind

856
00:43:48,960 --> 00:43:52,160
Speaker 1: of the habits that build that financial foundation. And I'm

857
00:43:52,160 --> 00:43:54,960
Speaker 1: going to rest very very heavily on your knowledge he out,

858
00:43:54,960 --> 00:43:58,040
Speaker 1: because I know the psychology behind money. I don't know

859
00:43:58,200 --> 00:44:02,239
Speaker 1: the nuances and the details, but right off the bat,

860
00:44:02,320 --> 00:44:05,200
Speaker 1: I do want to ask, because this is probably one

861
00:44:05,200 --> 00:44:08,120
Speaker 1: of our biggest influences on how we say money in adulthood.

862
00:44:08,520 --> 00:44:11,040
Speaker 1: How did you grow up seeing money in your family

863
00:44:11,280 --> 00:44:11,920
Speaker 1: in Canada?

864
00:44:12,400 --> 00:44:16,359
Speaker 2: Yeah, I grew up really like privileged in a lot

865
00:44:16,360 --> 00:44:19,960
Speaker 2: of ways where I never had to worry about putting

866
00:44:19,960 --> 00:44:22,920
Speaker 2: food on the table. I never had to worry about

867
00:44:23,239 --> 00:44:26,200
Speaker 2: certain things, and I feel so lucky because of that.

868
00:44:26,640 --> 00:44:29,360
Speaker 2: I grew up with a really interesting dynamic between my

869
00:44:29,440 --> 00:44:32,600
Speaker 2: mom and dad with money, which has created my own

870
00:44:32,640 --> 00:44:38,280
Speaker 2: trauma in being I think so driven, I watched my mom.

871
00:44:38,520 --> 00:44:40,719
Speaker 2: She was a waitress and my dad was a taxi driver,

872
00:44:40,880 --> 00:44:43,560
Speaker 2: and they both put my dad through law school equally,

873
00:44:44,080 --> 00:44:48,080
Speaker 2: and you know, they without telling too much of their story,

874
00:44:48,480 --> 00:44:52,480
Speaker 2: I grew up just knowing and witnessing that I wanted

875
00:44:52,520 --> 00:44:55,040
Speaker 2: to have my own financial security. Because my mom ended

876
00:44:55,120 --> 00:44:57,359
Speaker 2: up being an amazing stay at home mom. She went

877
00:44:57,400 --> 00:45:00,359
Speaker 2: back to school and got her master's and she's now

878
00:45:00,360 --> 00:45:03,640
Speaker 2: a ploti's instructor and she's done incredible things. But you know,

879
00:45:03,719 --> 00:45:06,040
Speaker 2: we grew up primarily with my dad, who was the

880
00:45:06,040 --> 00:45:09,680
Speaker 2: primary breadwinner, and I just remember growing up thinking like,

881
00:45:10,360 --> 00:45:13,879
Speaker 2: I need to have my own financial money. I need

882
00:45:13,920 --> 00:45:15,919
Speaker 2: to be able to make my own decisions. I need

883
00:45:15,960 --> 00:45:20,880
Speaker 2: to be able to not marry somebody and have to

884
00:45:20,920 --> 00:45:23,839
Speaker 2: make all my decisions together with that person. I need

885
00:45:23,840 --> 00:45:27,880
Speaker 2: to be able to be financially independent. And so I

886
00:45:28,000 --> 00:45:29,719
Speaker 2: thought about money in a lot of ways where I

887
00:45:29,760 --> 00:45:32,000
Speaker 2: knew it was abundant. I knew if I thought about

888
00:45:32,000 --> 00:45:35,160
Speaker 2: money like a currency, it comes and it goes that

889
00:45:35,239 --> 00:45:38,919
Speaker 2: I wouldn't feel like so attached when I would lose money.

890
00:45:38,960 --> 00:45:40,680
Speaker 2: And I think that's really shaped a lot of the

891
00:45:40,719 --> 00:45:44,000
Speaker 2: decisions where I was okay putting money at risk when

892
00:45:44,200 --> 00:45:46,720
Speaker 2: I think a lot of other people maybe weren't because

893
00:45:46,760 --> 00:45:50,040
Speaker 2: I did grow up with an abundance mindset towards money.

894
00:45:50,320 --> 00:45:53,279
Speaker 2: So I'll give you an example. I met the woman

895
00:45:53,280 --> 00:45:56,160
Speaker 2: who was the first actually female fundraiser for Harvard's and

896
00:45:56,200 --> 00:45:58,680
Speaker 2: Dowmond Fund, and she was telling me the most interesting

897
00:45:58,719 --> 00:46:01,000
Speaker 2: things she noticed when she wor on the Goldman sax

898
00:46:01,040 --> 00:46:04,399
Speaker 2: floor when she was first starting her career is when

899
00:46:04,440 --> 00:46:06,680
Speaker 2: somebody would leave Goldman and it was a man and

900
00:46:06,719 --> 00:46:09,480
Speaker 2: they were starting a business. All the guys would easily,

901
00:46:09,520 --> 00:46:11,680
Speaker 2: without asking, without even knowing the business, would be like,

902
00:46:11,840 --> 00:46:14,360
Speaker 2: here's ten k to get started, and she noticed the

903
00:46:14,400 --> 00:46:17,920
Speaker 2: women were like, but it's ten k, Like what if

904
00:46:17,960 --> 00:46:20,560
Speaker 2: you lose the ten k? Instead of what could I

905
00:46:20,680 --> 00:46:23,160
Speaker 2: get if I give you the ten k? And they

906
00:46:23,200 --> 00:46:26,400
Speaker 2: thought of money so finitely. They didn't think about it

907
00:46:26,440 --> 00:46:29,640
Speaker 2: as an infinite currency like it there's more of where

908
00:46:29,640 --> 00:46:32,960
Speaker 2: that came from. The only currency that we don't have more.

909
00:46:32,800 --> 00:46:33,480
Speaker 3: Of is time.

910
00:46:34,000 --> 00:46:37,040
Speaker 2: And so I think it's it's interesting now when she

911
00:46:37,120 --> 00:46:39,600
Speaker 2: went over and she was fundraising for Harvard on how

912
00:46:39,640 --> 00:46:42,600
Speaker 2: you even get women to talk and open up their

913
00:46:42,960 --> 00:46:46,120
Speaker 2: pocketbooks about money? I would say, I've leaned a little

914
00:46:46,120 --> 00:46:48,560
Speaker 2: bit more towards men where I think about it, of like,

915
00:46:48,920 --> 00:46:51,560
Speaker 2: what could this do for me? Money is a tool

916
00:46:52,000 --> 00:46:54,399
Speaker 2: that I can utilize to get where I want to go,

917
00:46:54,520 --> 00:46:56,840
Speaker 2: But of course I have to put it at risk

918
00:46:56,920 --> 00:46:59,160
Speaker 2: or put it to work first, because it's not just

919
00:46:59,200 --> 00:47:02,440
Speaker 2: going to grow inherently just because it's money.

920
00:47:02,600 --> 00:47:03,840
Speaker 3: It doesn't grow on trees.

921
00:47:04,200 --> 00:47:05,960
Speaker 2: So I don't know if that fully answers your question,

922
00:47:06,080 --> 00:47:08,520
Speaker 2: But I think the way I've thought about money is

923
00:47:09,160 --> 00:47:12,560
Speaker 2: in one way very abundantly and in the other way

924
00:47:12,680 --> 00:47:15,720
Speaker 2: very much knowing that I needed to make money myself,

925
00:47:15,760 --> 00:47:18,080
Speaker 2: that I never needed to rely on somebody else to

926
00:47:18,239 --> 00:47:19,520
Speaker 2: help me make decisions for me.

927
00:47:21,239 --> 00:47:24,719
Speaker 1: I think that's an absolutely beautiful philosophy to have, and

928
00:47:24,760 --> 00:47:27,920
Speaker 1: it definitely answered my question. Okay, yeah, most certainly, it

929
00:47:28,000 --> 00:47:33,400
Speaker 1: definitely did. And I don't blame women for being a

930
00:47:33,480 --> 00:47:37,319
Speaker 1: lot tighter without cash, right because for a lot of us,

931
00:47:37,360 --> 00:47:39,480
Speaker 1: and you know, I have no excuse because my mum

932
00:47:39,560 --> 00:47:41,600
Speaker 1: was the breadwinner and my dad was a stay at

933
00:47:41,600 --> 00:47:44,920
Speaker 1: home dad, So I have no excuse for having this belief.

934
00:47:45,440 --> 00:47:47,959
Speaker 1: But I think for a lot of us, we do

935
00:47:48,080 --> 00:47:53,480
Speaker 1: see those situations where our mothers don't have as much

936
00:47:53,800 --> 00:47:58,600
Speaker 1: financial perhaps freedom or literacy, and the only thing we

937
00:47:58,760 --> 00:48:02,600
Speaker 1: know is to save. That is like the golden rule. Right,

938
00:48:02,640 --> 00:48:06,520
Speaker 1: We're all taught to save money, and it's incredibly smart

939
00:48:06,520 --> 00:48:09,200
Speaker 1: and wise to do that. But then I think that

940
00:48:09,400 --> 00:48:12,840
Speaker 1: there is this element of like, you can save money

941
00:48:12,880 --> 00:48:18,040
Speaker 1: for your entire life, but sometimes risking some of the

942
00:48:18,200 --> 00:48:21,200
Speaker 1: extra cash that you have means that you are going

943
00:48:21,239 --> 00:48:23,839
Speaker 1: to be better off. And it is all about how

944
00:48:23,880 --> 00:48:26,560
Speaker 1: we think about risk. Right. Men have been taught to

945
00:48:26,640 --> 00:48:30,040
Speaker 1: be a lot more risk positive, which means that you

946
00:48:30,120 --> 00:48:32,239
Speaker 1: think you even about as when we were children. And

947
00:48:32,280 --> 00:48:33,879
Speaker 1: again not to make an a gendered thing, but it's

948
00:48:33,920 --> 00:48:37,680
Speaker 1: just like an easy way to split this up. As children,

949
00:48:37,719 --> 00:48:41,080
Speaker 1: you know, young boys are encouraged to go and go

950
00:48:41,120 --> 00:48:43,680
Speaker 1: and do the adventurous stuff, to go and be quite physical,

951
00:48:44,160 --> 00:48:47,319
Speaker 1: to trust their own intuition. Girls are taught to be

952
00:48:47,440 --> 00:48:51,319
Speaker 1: a lot more careful, cautious, you know, just to kind

953
00:48:51,320 --> 00:48:54,760
Speaker 1: of stay back. And you might not think that's important,

954
00:48:54,760 --> 00:48:59,080
Speaker 1: but it does actually create your approach to risk. So

955
00:48:59,120 --> 00:49:02,960
Speaker 1: you can be risk risk positive, you embrace risk, you

956
00:49:03,000 --> 00:49:06,160
Speaker 1: are not too concerned about the loss, can be risk

957
00:49:06,320 --> 00:49:08,000
Speaker 1: neutral where you're kind of like on the fence, and

958
00:49:08,040 --> 00:49:12,400
Speaker 1: then risk adverse, which is, even when an investment, a

959
00:49:12,560 --> 00:49:16,840
Speaker 1: risk anything, has the potential to have an incredible upside,

960
00:49:17,440 --> 00:49:21,120
Speaker 1: you will still hold back because the uncertainty of what

961
00:49:21,239 --> 00:49:26,759
Speaker 1: could happen is so much more cognitively and mentally powerful

962
00:49:27,160 --> 00:49:29,440
Speaker 1: to you. And you give that an example of people

963
00:49:29,480 --> 00:49:32,640
Speaker 1: on the floor at Goldman Sachs, right, those men giving

964
00:49:32,640 --> 00:49:34,279
Speaker 1: out ten K and I really did think you were

965
00:49:34,280 --> 00:49:35,640
Speaker 1: going to be like and then the women would leave

966
00:49:35,640 --> 00:49:37,919
Speaker 1: and they wouldn't give them any money, which I'm sure

967
00:49:37,960 --> 00:49:42,480
Speaker 1: also that didn't happen, but yeah, really, yeah, I can imagine.

968
00:49:42,880 --> 00:49:47,200
Speaker 1: But it's interesting seeing that example of like, women have

969
00:49:47,239 --> 00:49:50,080
Speaker 1: been taught to be so much more risk adverse than

970
00:49:50,120 --> 00:49:52,560
Speaker 1: in those situations where they could have done really really well,

971
00:49:52,640 --> 00:49:58,560
Speaker 1: perhaps almost how they were socialized and mentally like they

972
00:49:58,600 --> 00:50:01,840
Speaker 1: weren't afforded the same opportunity or they didn't have the

973
00:50:01,880 --> 00:50:05,719
Speaker 1: same mindset to embrace that risk, which is just so interesting.

974
00:50:06,080 --> 00:50:08,879
Speaker 1: Applying that to the literally example you just gave me.

975
00:50:09,600 --> 00:50:12,879
Speaker 2: It's also challenging because you know, I'm in my thirties now,

976
00:50:12,880 --> 00:50:15,839
Speaker 2: and you think about babies and families, and you think

977
00:50:15,840 --> 00:50:18,840
Speaker 2: about taking time off, right, and in Canada, we're so

978
00:50:18,920 --> 00:50:21,279
Speaker 2: lucky to have a year matt leave, but that does

979
00:50:21,320 --> 00:50:23,200
Speaker 2: a lot for your career if you're out of the

980
00:50:23,200 --> 00:50:26,400
Speaker 2: workforce for a year, and so there inherently is a

981
00:50:26,440 --> 00:50:29,680
Speaker 2: conversation that needs to be had around the way that

982
00:50:30,239 --> 00:50:35,839
Speaker 2: money and financial independence and being able to really have

983
00:50:36,360 --> 00:50:40,520
Speaker 2: women work together with men, but also just to be

984
00:50:40,600 --> 00:50:44,200
Speaker 2: able to make sure that we are going to have

985
00:50:44,400 --> 00:50:47,560
Speaker 2: different systems if you are taking time off to have

986
00:50:47,640 --> 00:50:51,960
Speaker 2: a child, because it inherently will just affect your potential

987
00:50:52,000 --> 00:50:54,160
Speaker 2: if you are taking out a year, two years, three

988
00:50:54,239 --> 00:50:56,640
Speaker 2: years primary children that you have from the workforce, And

989
00:50:56,960 --> 00:50:59,919
Speaker 2: that is something that is I don't think talked about

990
00:50:59,880 --> 00:51:02,840
Speaker 2: it enough. And that's the really fun thing about building

991
00:51:03,000 --> 00:51:06,200
Speaker 2: HSR as a brand, but having me really be able

992
00:51:06,200 --> 00:51:08,720
Speaker 2: to talk about my own experiences because that is something

993
00:51:09,080 --> 00:51:12,279
Speaker 2: you know, in my early thirties I am starting to

994
00:51:12,320 --> 00:51:14,640
Speaker 2: think about and it is scary, and so being able

995
00:51:14,680 --> 00:51:17,520
Speaker 2: to have that conversation is something that feels like you're

996
00:51:17,520 --> 00:51:20,000
Speaker 2: not alone when you go through those big life decisions

997
00:51:20,040 --> 00:51:21,840
Speaker 2: that will change the course of your life.

998
00:51:23,320 --> 00:51:27,080
Speaker 1: It gives you freedom, and I think freedom is valuable

999
00:51:27,160 --> 00:51:30,520
Speaker 1: whoever you are, whatever age and agenda, whoever you want.

1000
00:51:30,600 --> 00:51:33,600
Speaker 1: The freedom to have the life you want. I'm going

1001
00:51:33,680 --> 00:51:36,759
Speaker 1: to give you two final rapid fire questions because we

1002
00:51:36,800 --> 00:51:39,440
Speaker 1: have been talking for almost an hour, just really the

1003
00:51:39,440 --> 00:51:41,640
Speaker 1: time and I was like yeah, and I was like, oh,

1004
00:51:41,640 --> 00:51:43,680
Speaker 1: we're not even halfway through. But I've got two more

1005
00:51:44,239 --> 00:51:47,880
Speaker 1: rapid fire questions for you. The first one is what

1006
00:51:48,080 --> 00:51:51,680
Speaker 1: is one money lesson that you think we should all

1007
00:51:51,719 --> 00:51:55,280
Speaker 1: be learning earlier in our early twenties In our twenties

1008
00:51:55,320 --> 00:51:56,160
Speaker 1: in general.

1009
00:51:56,520 --> 00:52:00,840
Speaker 2: I think, especially in your twenties, don't be afraid to

1010
00:52:00,880 --> 00:52:03,480
Speaker 2: take risks, Like if you want to know the secret

1011
00:52:03,560 --> 00:52:06,680
Speaker 2: of the Bros Club, it is that they bet on themselves.

1012
00:52:06,800 --> 00:52:10,520
Speaker 2: And I was if I hadn't been forced to leave

1013
00:52:10,560 --> 00:52:13,239
Speaker 2: my job, I don't think I ever would have Like

1014
00:52:13,320 --> 00:52:15,280
Speaker 2: I honestly don't think I would have bet on myself.

1015
00:52:15,760 --> 00:52:20,080
Speaker 2: But I really think and there's different seasons of life,

1016
00:52:20,080 --> 00:52:21,880
Speaker 2: and like I said, as you get into your thirties

1017
00:52:21,880 --> 00:52:23,560
Speaker 2: and your forties, you're in the phase of life of

1018
00:52:23,600 --> 00:52:26,640
Speaker 2: like taking care of other people dependents. Your twenties are

1019
00:52:26,680 --> 00:52:29,920
Speaker 2: for failing and having nothing and figuring it out and

1020
00:52:29,960 --> 00:52:31,920
Speaker 2: being like what am I going to do next? So

1021
00:52:32,200 --> 00:52:34,080
Speaker 2: especially in your twenties, I'm not going to tell you

1022
00:52:34,120 --> 00:52:37,360
Speaker 2: like don't buy that latte, like, don't do this, no, like,

1023
00:52:37,880 --> 00:52:41,120
Speaker 2: just take more risks, like and whether that's starting a

1024
00:52:41,120 --> 00:52:44,080
Speaker 2: side hustle, starting a business like I have failed so

1025
00:52:44,160 --> 00:52:47,360
Speaker 2: many times in every aspect of my life, and I

1026
00:52:47,440 --> 00:52:49,840
Speaker 2: wish I had started earlier. I wish I had started

1027
00:52:49,880 --> 00:52:51,920
Speaker 2: failing earlier. I was so afraid to fail, and I

1028
00:52:51,960 --> 00:52:54,839
Speaker 2: wish I had just done I wish I had taken

1029
00:52:54,840 --> 00:52:57,640
Speaker 2: more risks in every aspect of my life. But also

1030
00:52:57,760 --> 00:53:00,800
Speaker 2: the more important lesson is this idea that like life

1031
00:53:00,960 --> 00:53:03,319
Speaker 2: is about getting rejected, it's about failing. And the more

1032
00:53:03,320 --> 00:53:05,920
Speaker 2: that you like get comfortable with that and really small

1033
00:53:06,560 --> 00:53:09,120
Speaker 2: like not high risk situations, the more it will pay

1034
00:53:09,160 --> 00:53:11,239
Speaker 2: off when you actually have something that you need to

1035
00:53:11,280 --> 00:53:15,160
Speaker 2: go and ask for. And that as a especially when

1036
00:53:15,200 --> 00:53:17,359
Speaker 2: you're young and you're afraid of ruffling feathers or you're

1037
00:53:17,360 --> 00:53:19,360
Speaker 2: a woman, is just uncomfortable to do.

1038
00:53:19,680 --> 00:53:21,719
Speaker 3: So if you can just start doing that tomorrow.

1039
00:53:22,000 --> 00:53:24,120
Speaker 2: I don't do it every single day, but I do

1040
00:53:24,160 --> 00:53:26,759
Speaker 2: it pretty often, and it honestly helps build my confidence.

1041
00:53:27,239 --> 00:53:30,200
Speaker 1: My final question, if you had to add one more

1042
00:53:30,239 --> 00:53:33,160
Speaker 1: word to hot, smart, rich, what would it be?

1043
00:53:34,280 --> 00:53:36,160
Speaker 3: Happy? Oh?

1044
00:53:36,239 --> 00:53:40,520
Speaker 1: I love that hot smart rich happy. I was thinking

1045
00:53:40,560 --> 00:53:43,040
Speaker 1: even like, is she gonna say kind? Is she going

1046
00:53:43,120 --> 00:53:46,160
Speaker 1: to say abundant? Is she going to say lucky? I

1047
00:53:46,239 --> 00:53:47,839
Speaker 1: was thinking about it earlier. I was like, I wonder

1048
00:53:47,880 --> 00:53:49,480
Speaker 1: what she's gonna say.

1049
00:53:50,440 --> 00:53:53,759
Speaker 3: I think, yeah, like we are so blessed to be

1050
00:53:53,800 --> 00:53:54,440
Speaker 3: on this earth.

1051
00:53:54,560 --> 00:53:56,600
Speaker 2: I just can't even believe it sometimes that I'm like,

1052
00:53:56,880 --> 00:54:00,759
Speaker 2: if you're not happy and you're not having fun, then

1053
00:54:00,960 --> 00:54:03,560
Speaker 2: you need to reconsider stuff because it should be fun.

1054
00:54:04,000 --> 00:54:05,960
Speaker 2: Not always, but if you're not having fun and you're

1055
00:54:06,000 --> 00:54:08,360
Speaker 2: not happy, like there's no point in having everything in

1056
00:54:08,400 --> 00:54:10,840
Speaker 2: the world. So definitely, I would say it would be

1057
00:54:10,880 --> 00:54:12,879
Speaker 2: like happy hearts were rich.

1058
00:54:14,280 --> 00:54:15,879
Speaker 1: I like it. I love how she's already like where

1059
00:54:15,920 --> 00:54:19,080
Speaker 1: does that fit? Yeah, the true business mind Well, I

1060
00:54:19,120 --> 00:54:22,000
Speaker 1: want to thank you so much for coming on the

1061
00:54:22,040 --> 00:54:24,400
Speaker 1: podcast and for giving us like a little bit of

1062
00:54:24,520 --> 00:54:27,240
Speaker 1: like different advice. Like I don't always talk I rarely

1063
00:54:27,280 --> 00:54:30,319
Speaker 1: talk business on the show, but it's so valuable to

1064
00:54:30,400 --> 00:54:34,799
Speaker 1: think about the mindset hacks and the psychology and yeah,

1065
00:54:34,800 --> 00:54:38,680
Speaker 1: the whole perspective that we can have towards being successful

1066
00:54:38,719 --> 00:54:41,759
Speaker 1: in this decade and beyond. So where can they find

1067
00:54:41,800 --> 00:54:43,360
Speaker 1: you if they want more of your content?

1068
00:54:44,320 --> 00:54:47,719
Speaker 2: Maggie Sellers on Instagram and on TikTok. Just put an

1069
00:54:47,840 --> 00:54:50,200
Speaker 2: underscore at the end, and then if you just search

1070
00:54:50,239 --> 00:54:52,480
Speaker 2: up heartsmart Rich on Google, hopefully it comes up.

1071
00:54:52,560 --> 00:54:54,480
Speaker 3: Because we're trying to take over the internet.

1072
00:54:55,440 --> 00:54:59,319
Speaker 1: Yeah, and honestly I cannot recommend it more. You also

1073
00:54:59,400 --> 00:55:00,800
Speaker 1: have a newselete, is that correct?

1074
00:55:01,000 --> 00:55:03,600
Speaker 2: Yeah, so jobs every single Sunday. It's honestly like a

1075
00:55:03,719 --> 00:55:08,600
Speaker 2: very cult like readership, which has been so cool and fun.

1076
00:55:08,840 --> 00:55:10,440
Speaker 2: And I do a little bit of mix of like

1077
00:55:10,560 --> 00:55:14,759
Speaker 2: personal stuff, consumer news, we do business breakdowns, and then

1078
00:55:14,920 --> 00:55:17,480
Speaker 2: we have our podcast launching very shortly.

1079
00:55:18,760 --> 00:55:20,799
Speaker 1: Yes, I was gonna say keep your eye out for that.

1080
00:55:21,080 --> 00:55:24,120
Speaker 1: We will definitely let the listeners know when it's time

1081
00:55:24,160 --> 00:55:26,560
Speaker 1: to tune in. But again, thank you so much to Maggie,

1082
00:55:26,640 --> 00:55:29,239
Speaker 1: and until next time, you guys. If you did enjoy

1083
00:55:29,280 --> 00:55:32,080
Speaker 1: this episode, make sure to leave a five star review

1084
00:55:32,120 --> 00:55:36,520
Speaker 1: on Apple Podcasts, Spotify, the iHeartRadio app where you are listening,

1085
00:55:37,120 --> 00:55:40,719
Speaker 1: and follow us on Instagram at that Psychology podcast if

1086
00:55:40,719 --> 00:55:43,239
Speaker 1: you want to see behind the scenes content, if you

1087
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Speaker 1: want to know who our next December guest is, and

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Speaker 1: if you want to see more of what we're doing.

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Speaker 1: Until next time, stay safe, be kind, Please be gentle

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Speaker 1: to yourself and we will talk very very soon. I'm