1 00:00:05,160 --> 00:00:07,800 Speaker 1: Just a reminder, BA fam, this is the part of 2 00:00:07,840 --> 00:00:09,360 Speaker 1: the show where I ask you to take out your 3 00:00:09,400 --> 00:00:11,799 Speaker 1: salt shakers, because the advice that we are giving needs 4 00:00:11,840 --> 00:00:13,960 Speaker 1: to be taken with a heavy dose of salt. We 5 00:00:14,000 --> 00:00:16,800 Speaker 1: are not your financial experts or your financial planners. This 6 00:00:16,880 --> 00:00:22,639 Speaker 1: is all for edutainment purposes, so everything we're saying cannot 7 00:00:22,640 --> 00:00:26,040 Speaker 1: be a replacement for getting your own personalized advice from 8 00:00:26,120 --> 00:00:30,720 Speaker 1: financial advisors CPAs any experts out there. Thanks so much 9 00:00:30,720 --> 00:00:32,720 Speaker 1: for listening. Now let's get to the show. Hey, hey, 10 00:00:32,760 --> 00:00:37,280 Speaker 1: ba fam, welcome to the BAQA. It's your girl, Mandy Money. 11 00:00:37,360 --> 00:00:41,960 Speaker 1: I am joined by the delightful, distinguished dream girl, the 12 00:00:42,040 --> 00:00:47,040 Speaker 1: fairy godmother of my life, Lynette Califani Cox, who I 13 00:00:47,080 --> 00:00:49,840 Speaker 1: think was maybe the very first guest we ever had 14 00:00:49,840 --> 00:00:55,800 Speaker 1: on Brown Ambition. So anytime you come back is wonderful. Hey, Lynette, homecoming, homecoming, 15 00:00:56,280 --> 00:00:59,600 Speaker 1: So BA Fam, you may recognize Lynette because she is, 16 00:00:59,760 --> 00:01:02,640 Speaker 1: in her own right, just one of the on the 17 00:01:02,680 --> 00:01:06,040 Speaker 1: Mount Rushmore of personal finance experts of my life. Certainly 18 00:01:06,120 --> 00:01:08,320 Speaker 1: like Lynette is up there. But for those who are 19 00:01:08,319 --> 00:01:11,240 Speaker 1: not as familiar, let me let me reintroduce y'all, Lynette 20 00:01:11,280 --> 00:01:15,080 Speaker 1: Califoni Co's aka The Money Coach, is a personal finance 21 00:01:15,160 --> 00:01:21,520 Speaker 1: expert speaker, author of sixteen money management books, including the 22 00:01:21,560 --> 00:01:24,520 Speaker 1: New York Times bestseller Zero Debt, The Ultimate Guide to 23 00:01:24,560 --> 00:01:28,160 Speaker 1: Financial Freedom. And your latest book is called what Now. 24 00:01:28,160 --> 00:01:29,320 Speaker 1: It's not bounce Back. 25 00:01:29,760 --> 00:01:33,240 Speaker 2: It is bounce Back The Ultimate Guide to Financial Resilience. 26 00:01:33,440 --> 00:01:36,959 Speaker 1: Oh perfect, the bounce Back The Ultimate Guide to Financial Resilience. 27 00:01:37,640 --> 00:01:40,680 Speaker 1: And she's also the founder of a brand new entrepreneurial 28 00:01:40,760 --> 00:01:44,000 Speaker 1: endeavor called the Financial Influencer Network, which is the first 29 00:01:44,000 --> 00:01:46,600 Speaker 1: and only complete financial marketing ecosystem. 30 00:01:47,160 --> 00:01:48,720 Speaker 3: And I'm really excited. 31 00:01:48,400 --> 00:01:50,440 Speaker 1: To be a part of the FINN network myself. So 32 00:01:51,400 --> 00:01:53,240 Speaker 1: me and Lynette, we go way back. It's so nice 33 00:01:53,240 --> 00:01:53,920 Speaker 1: to have you here. 34 00:01:54,600 --> 00:01:57,280 Speaker 2: Yay. I'm so happy because I was looking forward to 35 00:01:57,280 --> 00:02:00,600 Speaker 2: the conversation, looking forward to just a time to chat 36 00:02:00,640 --> 00:02:02,680 Speaker 2: and reconnect and do all the. 37 00:02:02,720 --> 00:02:03,960 Speaker 3: Things and ba fam. 38 00:02:04,160 --> 00:02:05,720 Speaker 1: By the way, if you want to submit a question 39 00:02:05,800 --> 00:02:08,639 Speaker 1: to the show, you can always email me Brand Ambition 40 00:02:08,760 --> 00:02:11,560 Speaker 1: Podcast at gmail dot com, or you can slide into 41 00:02:11,560 --> 00:02:14,400 Speaker 1: my d ms on IG. I love when y'all send 42 00:02:14,400 --> 00:02:16,720 Speaker 1: me voice notes. It's always fun. Then I get to 43 00:02:16,720 --> 00:02:20,080 Speaker 1: like incorporate them into the show. But today's listener Raquel, 44 00:02:20,160 --> 00:02:22,919 Speaker 1: whose question we're going to be tackling. When she sent 45 00:02:22,960 --> 00:02:24,919 Speaker 1: it to me, I was like, Oh, I'm really grateful 46 00:02:24,960 --> 00:02:28,239 Speaker 1: that someone asked this question because I know b a 47 00:02:28,400 --> 00:02:31,320 Speaker 1: fam that a lot of our audience is in that 48 00:02:31,520 --> 00:02:34,000 Speaker 1: I don't even know what stage of life that's called, 49 00:02:34,000 --> 00:02:38,680 Speaker 1: but like post forty five plus, where you're sort of 50 00:02:38,720 --> 00:02:42,280 Speaker 1: thinking about I don't want to like, is it the 51 00:02:42,280 --> 00:02:47,560 Speaker 1: fourth quarter you're thinking about sort of like, yeah, your career, 52 00:02:47,720 --> 00:02:51,200 Speaker 1: not of life the second I don't know, you know, 53 00:02:52,280 --> 00:02:53,040 Speaker 1: I'm not even. 54 00:02:54,880 --> 00:02:57,359 Speaker 3: Yet your career. 55 00:02:57,520 --> 00:03:00,880 Speaker 1: I mean you're kind of thinking about your thinking about, Okay, 56 00:03:00,960 --> 00:03:03,920 Speaker 1: I've got how many more years of my career? And 57 00:03:04,080 --> 00:03:05,839 Speaker 1: you know, how am I? How is this going to look? 58 00:03:05,880 --> 00:03:07,960 Speaker 1: And how am I going to map it out? And 59 00:03:08,160 --> 00:03:10,839 Speaker 1: sort of what am I heading toward? What is retirement 60 00:03:10,960 --> 00:03:11,560 Speaker 1: going to look like? 61 00:03:11,600 --> 00:03:11,880 Speaker 3: For me? 62 00:03:12,440 --> 00:03:14,800 Speaker 1: And when I got this question, I was like, yes, 63 00:03:14,840 --> 00:03:17,200 Speaker 1: I have to, I have to answer this on the air. 64 00:03:17,200 --> 00:03:22,040 Speaker 1: And then I really wanted to have Lynette, because I 65 00:03:22,120 --> 00:03:24,600 Speaker 1: know that you are living all of our like a 66 00:03:24,639 --> 00:03:27,840 Speaker 1: lot of our version of like an ideal retirement situation 67 00:03:28,040 --> 00:03:30,960 Speaker 1: where you're starting a business, but you're like traveling to 68 00:03:31,000 --> 00:03:34,840 Speaker 1: Africa for four months out of the year, and you know. 69 00:03:35,120 --> 00:03:36,760 Speaker 3: Are you officially an empty nester now? 70 00:03:37,360 --> 00:03:39,480 Speaker 2: I am, indeed, I am. 71 00:03:39,560 --> 00:03:43,920 Speaker 1: Indeed you have raised these wonderful children, who are you know, 72 00:03:44,040 --> 00:03:46,240 Speaker 1: doing their thing in the world in college and beyond. 73 00:03:46,360 --> 00:03:50,280 Speaker 1: And you know, I don't want to like sugarcoat everything, 74 00:03:50,360 --> 00:03:55,720 Speaker 1: but you really are thriving and so just almost like 75 00:03:55,840 --> 00:03:58,480 Speaker 1: just getting started in a way with this chapter that 76 00:03:58,520 --> 00:04:01,160 Speaker 1: you're in right now. So I thought you'd be the 77 00:04:01,280 --> 00:04:04,600 Speaker 1: perfect person to join me, Raquel says. I looked through 78 00:04:04,640 --> 00:04:07,000 Speaker 1: some of the old episodes of Broad Ambition, and I 79 00:04:07,000 --> 00:04:09,720 Speaker 1: didn't quite see what I'm looking for. I'm in my 80 00:04:09,840 --> 00:04:13,680 Speaker 1: late fifties thinking about my next act. I can't imagine 81 00:04:13,720 --> 00:04:16,719 Speaker 1: not working during retirement, nor can I afford to not work. 82 00:04:17,080 --> 00:04:20,320 Speaker 1: But I want to explore something different during retirement. I 83 00:04:20,400 --> 00:04:23,200 Speaker 1: just have no idea what that would look like. And 84 00:04:23,240 --> 00:04:25,479 Speaker 1: then I asked her for some more details. She said, 85 00:04:25,520 --> 00:04:28,360 Speaker 1: my career has been a bit varied. I graduated from 86 00:04:28,400 --> 00:04:31,599 Speaker 1: law school in nineteen ninety six with no intention of 87 00:04:31,640 --> 00:04:34,080 Speaker 1: practicing law. I know that's a bit weird, but I'm 88 00:04:34,120 --> 00:04:38,160 Speaker 1: a giant nerd. Since then, I've worked in retail legal recruiting, 89 00:04:39,240 --> 00:04:42,440 Speaker 1: in house at law firms and at an agency. I 90 00:04:42,520 --> 00:04:45,360 Speaker 1: have now been a litigation paralegal for two and a 91 00:04:45,400 --> 00:04:48,840 Speaker 1: half years. I've also been doing a weekly podcast for 92 00:04:48,880 --> 00:04:51,000 Speaker 1: four years with a friend from high school, where we 93 00:04:51,040 --> 00:04:54,680 Speaker 1: talk about politics, health and wellness, and women's issues with 94 00:04:54,760 --> 00:04:59,320 Speaker 1: a feminist perspective. It's called Madness Cafe. I like my 95 00:04:59,440 --> 00:05:03,080 Speaker 1: job as a illegal, got a great boss, decent salary, 96 00:05:03,160 --> 00:05:06,039 Speaker 1: nice coworkers, but I don't necessarily want to be a 97 00:05:06,040 --> 00:05:09,479 Speaker 1: paralegal until I drop dead. I love doing the podcast, 98 00:05:09,600 --> 00:05:13,200 Speaker 1: but it doesn't pay. Now that I'm fifty six, I'm 99 00:05:13,200 --> 00:05:15,960 Speaker 1: trying to figure out what retirement and my next act 100 00:05:16,000 --> 00:05:16,560 Speaker 1: will look like. 101 00:05:17,240 --> 00:05:18,800 Speaker 3: If the podcast paid. 102 00:05:18,520 --> 00:05:21,480 Speaker 1: As much or more than my paralegal job, it would 103 00:05:21,480 --> 00:05:24,440 Speaker 1: be a no brainer. Sometimes I daydream about being my 104 00:05:24,480 --> 00:05:27,440 Speaker 1: own boss, but I have no idea how that would work. 105 00:05:27,800 --> 00:05:30,560 Speaker 1: Plus I'm afraid it would be stupid, stressful, and wouldn't 106 00:05:30,560 --> 00:05:33,320 Speaker 1: pay nearly what I make now. So now I'm trying 107 00:05:33,360 --> 00:05:38,040 Speaker 1: to figure all this out and would really appreciate some guidance, ideas, brainstorming. 108 00:05:38,279 --> 00:05:42,919 Speaker 1: I know I'm not the only woman in this position. Indeed, 109 00:05:43,000 --> 00:05:43,839 Speaker 1: rak Kel, you are not. 110 00:05:44,440 --> 00:05:48,200 Speaker 2: Indeed, and it's a loaded question. She gave a lot 111 00:05:48,240 --> 00:05:51,560 Speaker 2: of her details, obviously, and a lot of her personal story, 112 00:05:52,000 --> 00:05:55,240 Speaker 2: but in a lot of ways it's actually quite common. 113 00:05:56,600 --> 00:05:59,000 Speaker 2: So I guess where I would first start is by 114 00:05:59,160 --> 00:06:02,960 Speaker 2: kind of framing really what I'm hearing here. So on 115 00:06:03,000 --> 00:06:08,280 Speaker 2: the one hand, it's about dollars, it's about the benjamins, 116 00:06:08,800 --> 00:06:11,440 Speaker 2: her thinking about what is going to be profitable to me, 117 00:06:11,760 --> 00:06:14,880 Speaker 2: what will actually make me some money in the pre 118 00:06:14,960 --> 00:06:19,479 Speaker 2: retirement or the retirement phase. But it's not just about profits. 119 00:06:19,600 --> 00:06:24,200 Speaker 2: It's really about purpose. And that's the main overarching thing 120 00:06:24,200 --> 00:06:28,599 Speaker 2: that I'm hearing in her question, which is, as I 121 00:06:28,760 --> 00:06:32,440 Speaker 2: move into this next chapter of my life, what kind 122 00:06:32,520 --> 00:06:35,400 Speaker 2: of a life do I envision? What do I want 123 00:06:35,440 --> 00:06:38,240 Speaker 2: to do? What should I be doing? What's in alignment 124 00:06:38,440 --> 00:06:40,960 Speaker 2: with the things that would make me happy? And so 125 00:06:41,200 --> 00:06:43,960 Speaker 2: I heard her saying that I really love this podcast 126 00:06:44,440 --> 00:06:46,360 Speaker 2: and I've been doing it four years with my friend 127 00:06:46,480 --> 00:06:50,160 Speaker 2: and it's amazing, and if it paid me some money, oh, 128 00:06:50,160 --> 00:06:51,400 Speaker 2: I would do it in heartbeat. It would be a 129 00:06:51,400 --> 00:06:54,800 Speaker 2: no brainer. And so I think for a lot of people, 130 00:06:55,040 --> 00:06:59,480 Speaker 2: the challenge as you get to pre retirement in your fifties, 131 00:07:00,000 --> 00:07:03,839 Speaker 2: certainly your late fifties, and I'm there too now I 132 00:07:03,920 --> 00:07:09,279 Speaker 2: am fifty seven years old. It's not just about oh, 133 00:07:09,640 --> 00:07:13,320 Speaker 2: how much have you saved? What have you done for retirement? 134 00:07:13,360 --> 00:07:17,000 Speaker 2: To kind of make that you know it won't. I 135 00:07:17,040 --> 00:07:19,000 Speaker 2: won't call it the final chapter or the fourth quarter 136 00:07:19,040 --> 00:07:20,800 Speaker 2: as you said we ask you. 137 00:07:21,560 --> 00:07:22,720 Speaker 3: I didn't need for it to be. 138 00:07:23,280 --> 00:07:26,280 Speaker 2: No, I know you're putting us out to pastor. I 139 00:07:26,280 --> 00:07:27,040 Speaker 2: get because I'm. 140 00:07:26,920 --> 00:07:27,760 Speaker 3: So self conscious. 141 00:07:27,800 --> 00:07:29,840 Speaker 1: I'm like, I'm going to say something offensive as if 142 00:07:29,880 --> 00:07:30,840 Speaker 1: I am agist. 143 00:07:31,280 --> 00:07:34,080 Speaker 3: I'm not. I'm just talking acknowledging. 144 00:07:34,080 --> 00:07:36,560 Speaker 1: I'm thirty eight. I'm too young for this question. I 145 00:07:36,560 --> 00:07:38,480 Speaker 1: need a grown up, That's all I'm saying. 146 00:07:39,280 --> 00:07:42,520 Speaker 2: So I heard her also saying I think I kind 147 00:07:42,520 --> 00:07:44,600 Speaker 2: of could would do something you know, or might be 148 00:07:44,680 --> 00:07:47,920 Speaker 2: inclined to do something entrepreneurial, but it'd be like ridiculously 149 00:07:48,600 --> 00:07:51,800 Speaker 2: busy in a lot of work, which to me suggests 150 00:07:51,840 --> 00:07:54,480 Speaker 2: that she didn't want a lot of work. She wants 151 00:07:54,480 --> 00:07:56,680 Speaker 2: a lot of peace. She wants a lot of you know, 152 00:07:56,880 --> 00:07:59,880 Speaker 2: vibes and chill. And who can blame her if she 153 00:08:00,160 --> 00:08:03,440 Speaker 2: has been working, say thirty five years, It's like, I'm tired, 154 00:08:03,480 --> 00:08:05,400 Speaker 2: I'm ready to get I'm ready to have my rest. 155 00:08:06,120 --> 00:08:10,120 Speaker 2: So let me just share a little framing here around 156 00:08:10,440 --> 00:08:13,160 Speaker 2: just you know, my own life and then the experiences 157 00:08:13,200 --> 00:08:16,920 Speaker 2: that I've seen with other people in their late forties, fifties, 158 00:08:17,240 --> 00:08:20,200 Speaker 2: sixties and beyond. I just want people to think about 159 00:08:20,400 --> 00:08:25,360 Speaker 2: a everything doesn't have to be for money. Of course, 160 00:08:25,400 --> 00:08:29,840 Speaker 2: you need money, Like everybody has to evaluate their own circumstances, 161 00:08:29,880 --> 00:08:33,800 Speaker 2: their situation, how much they've saved, do they have a pension, 162 00:08:34,520 --> 00:08:37,320 Speaker 2: how much would they get in retirement if they tapped 163 00:08:37,320 --> 00:08:40,320 Speaker 2: into Social Security at X point in the future. Obviously 164 00:08:40,320 --> 00:08:42,760 Speaker 2: not until age sixty two when you can start to 165 00:08:42,760 --> 00:08:46,200 Speaker 2: do that. But what would it look like if I 166 00:08:46,320 --> 00:08:49,560 Speaker 2: just did consulting. What would it look like if I 167 00:08:49,679 --> 00:08:52,400 Speaker 2: worked twenty eight hours a week instead of forty or 168 00:08:52,400 --> 00:08:55,400 Speaker 2: fifty or sixty. What would it look like if I 169 00:08:55,440 --> 00:08:59,720 Speaker 2: didn't exchange hours for money at all, but I was 170 00:09:00,000 --> 00:09:04,839 Speaker 2: extremely fulfilled. What if I mentored? What if I had 171 00:09:04,840 --> 00:09:09,679 Speaker 2: an apprenticeship and learned something new. What if I shadowed 172 00:09:09,720 --> 00:09:13,880 Speaker 2: somebody in an area that I've always had a curiosity about. 173 00:09:14,880 --> 00:09:18,840 Speaker 2: Kind of a low risk way to tap into a passion, 174 00:09:18,880 --> 00:09:24,920 Speaker 2: an interest, or something that might be pursued later with 175 00:09:25,040 --> 00:09:28,960 Speaker 2: vigor and perhaps with full time or intensity. But you 176 00:09:28,960 --> 00:09:31,800 Speaker 2: could kind of test that out. And so I don't 177 00:09:31,880 --> 00:09:35,400 Speaker 2: want people to think that when you get to retirement 178 00:09:35,640 --> 00:09:38,360 Speaker 2: or retirement age, that you have to make a choice, 179 00:09:38,360 --> 00:09:40,760 Speaker 2: a hard and fast choice one way or another. You 180 00:09:40,840 --> 00:09:43,000 Speaker 2: have to keep working or you have to quit working. 181 00:09:43,240 --> 00:09:45,120 Speaker 2: You have to do full time or you have to 182 00:09:45,120 --> 00:09:47,640 Speaker 2: be part time. No, you can create the life that 183 00:09:47,679 --> 00:09:51,320 Speaker 2: you want. You can make it work for you. And 184 00:09:52,760 --> 00:09:55,959 Speaker 2: what we think we're going to be, what we think 185 00:09:56,000 --> 00:09:57,440 Speaker 2: we're going to want to do, what we think we're 186 00:09:57,480 --> 00:10:01,320 Speaker 2: going to be like super jazzed about, it's actually wrong. 187 00:10:02,120 --> 00:10:04,800 Speaker 2: And so we're now getting to the point where we're like, 188 00:10:04,880 --> 00:10:07,760 Speaker 2: we're okay with that. We're okay with thinking like here's 189 00:10:07,760 --> 00:10:09,840 Speaker 2: our strategy, this is what we want to execute on. 190 00:10:10,240 --> 00:10:13,240 Speaker 2: But you know what, we might change our minds. So 191 00:10:13,280 --> 00:10:16,640 Speaker 2: for twenty twenty six and twenty twenty seven, early twenty 192 00:10:16,679 --> 00:10:19,080 Speaker 2: six and twenty seven seven, we know that we're going 193 00:10:19,080 --> 00:10:21,720 Speaker 2: to continue traveling a lot. In twenty twenty five, we 194 00:10:21,760 --> 00:10:25,280 Speaker 2: went to eleven countries in eleven months, and we're like, oh, 195 00:10:25,400 --> 00:10:28,360 Speaker 2: this suits us, We actually like this. So we are 196 00:10:28,480 --> 00:10:30,600 Speaker 2: gearing up. We know that we're going to travel quite 197 00:10:30,600 --> 00:10:35,080 Speaker 2: a bit more. And then we think, okay, after like 198 00:10:35,280 --> 00:10:37,000 Speaker 2: you know, two years, two and a half years of that, 199 00:10:37,320 --> 00:10:39,920 Speaker 2: then we'll be like, Okay, we're good, we got it 200 00:10:40,080 --> 00:10:43,319 Speaker 2: kind of out of our system. We and this is 201 00:10:43,360 --> 00:10:46,000 Speaker 2: a couple who we've traveled a lot together over our 202 00:10:46,000 --> 00:10:49,240 Speaker 2: past twenty years together. But it's you know, at a 203 00:10:49,280 --> 00:10:52,520 Speaker 2: different level now when you don't have the same pressures 204 00:10:52,559 --> 00:10:56,839 Speaker 2: of kids and whatnot. So anyway, I know that was 205 00:10:56,880 --> 00:10:57,439 Speaker 2: a lot, but. 206 00:10:57,520 --> 00:10:58,520 Speaker 3: I'm just a lot. 207 00:10:58,760 --> 00:11:01,160 Speaker 1: I kind of want to break it because I'm I'm 208 00:11:01,240 --> 00:11:02,760 Speaker 1: downloading everything we're talking about. 209 00:11:02,800 --> 00:11:03,800 Speaker 3: Part of it feels like. 210 00:11:05,320 --> 00:11:10,880 Speaker 1: The carving out time to think about, like what you 211 00:11:10,960 --> 00:11:12,800 Speaker 1: want your life to look like. And I think that 212 00:11:12,800 --> 00:11:15,960 Speaker 1: that is it sounds so simple, but it's also I 213 00:11:15,960 --> 00:11:21,720 Speaker 1: think challenging can be when you often are sort of 214 00:11:21,720 --> 00:11:24,960 Speaker 1: comparing yourself to others or seeing other examples and like 215 00:11:25,000 --> 00:11:26,560 Speaker 1: oh should I be doing that or should I be 216 00:11:26,600 --> 00:11:30,760 Speaker 1: doing this? But just taking that introspective time to think 217 00:11:30,760 --> 00:11:31,720 Speaker 1: about what is it that. 218 00:11:31,679 --> 00:11:33,040 Speaker 3: I actually want to be doing. 219 00:11:34,400 --> 00:11:36,400 Speaker 1: I also feel like the questions that I get from 220 00:11:36,480 --> 00:11:42,120 Speaker 1: women like Raquel, like in late forties fifties, sometimes it 221 00:11:42,160 --> 00:11:44,839 Speaker 1: can feel like that ticking clock, you know, like oh, 222 00:11:44,920 --> 00:11:47,600 Speaker 1: I'm you know, fifty six and I got to like 223 00:11:47,679 --> 00:11:52,800 Speaker 1: figure this out, and I wonder like, and she's working 224 00:11:52,840 --> 00:11:55,720 Speaker 1: at the same time, like was there a point in 225 00:11:55,760 --> 00:11:59,840 Speaker 1: your career when you felt that ticking clock? And like 226 00:12:00,000 --> 00:12:02,960 Speaker 1: how did you deal with that? How did you deal 227 00:12:02,960 --> 00:12:04,800 Speaker 1: with that and how did you still like push through 228 00:12:04,840 --> 00:12:08,480 Speaker 1: to find out Okay, here's what I think my maybe 229 00:12:08,520 --> 00:12:10,839 Speaker 1: not like what the full forever picture is going to 230 00:12:10,880 --> 00:12:12,599 Speaker 1: look like, but here's the next step I'm going to 231 00:12:12,640 --> 00:12:13,040 Speaker 1: be taking. 232 00:12:14,120 --> 00:12:17,480 Speaker 2: So, because my husband and I are basically about five 233 00:12:17,600 --> 00:12:23,319 Speaker 2: years apart, he'll be turning sixty two in January, he's 234 00:12:23,520 --> 00:12:26,880 Speaker 2: always been like a little I don't know, I want 235 00:12:26,880 --> 00:12:28,880 Speaker 2: to call it a canary in the coal mine, but 236 00:12:29,960 --> 00:12:32,840 Speaker 2: like a signal of kind of what's to come. So 237 00:12:33,400 --> 00:12:37,520 Speaker 2: I remember when I was like, ooh, you know what, 238 00:12:38,640 --> 00:12:41,120 Speaker 2: I'm gonna be forty five. I'll be in my mid forties. 239 00:12:41,320 --> 00:12:45,320 Speaker 2: And I've always been a person who because I excelled 240 00:12:45,320 --> 00:12:47,120 Speaker 2: at a lot of things and achieved a lot of 241 00:12:47,160 --> 00:12:50,520 Speaker 2: things early in life and in midlife and to this day, 242 00:12:51,400 --> 00:12:56,559 Speaker 2: I kind of was like forward looking and ambitious, and 243 00:12:56,640 --> 00:13:02,760 Speaker 2: so he would say, slow down, you know, you think 244 00:13:02,800 --> 00:13:04,480 Speaker 2: you want to be forty five, you think you want 245 00:13:04,520 --> 00:13:07,720 Speaker 2: to be fifty. Wait till it hits wait till the 246 00:13:07,760 --> 00:13:09,000 Speaker 2: mental load of it hits. 247 00:13:09,120 --> 00:13:11,640 Speaker 1: Hey, ba, fam, let's be real for a second, and 248 00:13:11,720 --> 00:13:13,800 Speaker 1: y'all know I keep it a book. The job market 249 00:13:13,840 --> 00:13:17,520 Speaker 1: has been brutal, now not brutal trash, especially for women 250 00:13:17,559 --> 00:13:21,080 Speaker 1: of color. Over three hundred thousand of us have disappeared 251 00:13:21,080 --> 00:13:24,240 Speaker 1: from the workforce this year alone, and not by choice, 252 00:13:24,520 --> 00:13:29,680 Speaker 1: but because of layoffs, disappearing DEI programs, and stagnant wages 253 00:13:29,720 --> 00:13:33,120 Speaker 1: that keep cutting us out of opportunity. Our unemployment rate 254 00:13:33,200 --> 00:13:36,480 Speaker 1: has jumped to over seven percent, while our pay gap 255 00:13:36,559 --> 00:13:39,240 Speaker 1: continues to widen. I know all of that sounds dire, 256 00:13:39,360 --> 00:13:41,360 Speaker 1: but here's what I want y'all to know. You do 257 00:13:41,440 --> 00:13:43,400 Speaker 1: not have to wait for the system. 258 00:13:43,080 --> 00:13:43,680 Speaker 3: To save you. 259 00:13:44,160 --> 00:13:47,520 Speaker 1: That's exactly why I created the Mandy money Makers Group 260 00:13:47,600 --> 00:13:50,959 Speaker 1: coaching community. It is a coaching community that is built 261 00:13:51,000 --> 00:13:54,360 Speaker 1: for us by us. Inside the community, we're not just 262 00:13:54,440 --> 00:13:56,760 Speaker 1: talking about how to negotiate or to how to get 263 00:13:56,800 --> 00:14:00,160 Speaker 1: the job that you want. It's about finding purpose and 264 00:14:00,240 --> 00:14:04,720 Speaker 1: your career. It's about finding communities and others, feeling seen, 265 00:14:05,120 --> 00:14:08,560 Speaker 1: feeling heard, and also having a sounding board and a 266 00:14:08,640 --> 00:14:12,200 Speaker 1: mirror to reflect your own magic, your own sparkle. Right 267 00:14:12,440 --> 00:14:16,080 Speaker 1: back to yourself. In this community, you'll get group coaching 268 00:14:16,160 --> 00:14:18,400 Speaker 1: led by me, but you also get peer to peer 269 00:14:18,440 --> 00:14:22,240 Speaker 1: accountability with proven tools and resources that can help you 270 00:14:22,320 --> 00:14:26,320 Speaker 1: do what we have always done since rise. Even when 271 00:14:26,320 --> 00:14:29,760 Speaker 1: the odds are stacked against us, despite all the challenges, 272 00:14:29,920 --> 00:14:33,760 Speaker 1: we will rise. If you're interested in joining the Mandy 273 00:14:33,760 --> 00:14:37,960 Speaker 1: Moneymakers community and having that support to bolster you and 274 00:14:38,040 --> 00:14:40,960 Speaker 1: help you tap back into your magic so that you 275 00:14:41,000 --> 00:14:43,840 Speaker 1: can lead your career with intention and heart and your 276 00:14:43,880 --> 00:14:48,600 Speaker 1: own intuition, trusting that again, please join us. You can 277 00:14:48,640 --> 00:14:52,200 Speaker 1: find information in the show notes of today's episodes or 278 00:14:52,320 --> 00:14:56,520 Speaker 1: go to mandymoney dot com slash community. That's Mandy m 279 00:14:56,520 --> 00:15:00,960 Speaker 1: A N. D imoney dot com slash commune. I would 280 00:15:01,000 --> 00:15:04,800 Speaker 1: love to see y'all there. Enrollment is open, so please 281 00:15:04,960 --> 00:15:08,400 Speaker 1: go check out mandymoney dot com slash community today. 282 00:15:09,080 --> 00:15:11,240 Speaker 3: And he's really the mental load. 283 00:15:11,640 --> 00:15:16,440 Speaker 2: The mental load, because your mind starts that ticking clock 284 00:15:16,520 --> 00:15:19,800 Speaker 2: that you mentioned, just like some people when they get 285 00:15:19,800 --> 00:15:21,360 Speaker 2: to their thirties, they're like, oh my gosh, I'm not 286 00:15:21,440 --> 00:15:23,400 Speaker 2: married or I don't have a kid, and then it's 287 00:15:23,600 --> 00:15:25,920 Speaker 2: they see other people around them and they see kind 288 00:15:25,960 --> 00:15:28,080 Speaker 2: of what's going on, or they just feel it and 289 00:15:28,120 --> 00:15:31,640 Speaker 2: they just want to. In many cases it's certainly not all, 290 00:15:31,880 --> 00:15:33,560 Speaker 2: but in many cases they're like, oh, okay, I want 291 00:15:33,560 --> 00:15:38,640 Speaker 2: to have a gain. So part of what happens mentally, 292 00:15:38,720 --> 00:15:40,160 Speaker 2: and I can tell you again it's not just for 293 00:15:40,240 --> 00:15:41,960 Speaker 2: me learning from Earl and then me going through my 294 00:15:42,000 --> 00:15:44,760 Speaker 2: own phases of life again from talking to people who 295 00:15:44,800 --> 00:15:47,960 Speaker 2: are in their fifties and sixties and beyond, you do 296 00:15:48,080 --> 00:15:53,120 Speaker 2: start to think like, oh, do I have more years 297 00:15:53,160 --> 00:15:56,600 Speaker 2: behind me than ahead of me? And that certainly becomes 298 00:15:56,640 --> 00:15:59,600 Speaker 2: true in the workplace. So you're when you're in your 299 00:15:59,640 --> 00:16:03,920 Speaker 2: forty you're thinking. You do start thinking like, oh, okay, 300 00:16:04,120 --> 00:16:07,120 Speaker 2: if I'm not having the trajectory that I want, is 301 00:16:07,120 --> 00:16:10,040 Speaker 2: this really the right place for me? If I haven't 302 00:16:10,080 --> 00:16:14,160 Speaker 2: started the business, launched, scaled the business, done what I wanted, 303 00:16:14,280 --> 00:16:17,200 Speaker 2: am I on the right path? So you do start thinking, 304 00:16:17,240 --> 00:16:20,560 Speaker 2: I think it really does hit in your forties. In 305 00:16:20,600 --> 00:16:23,320 Speaker 2: your thirties, you're living your life. You're juggling so much, 306 00:16:23,400 --> 00:16:26,280 Speaker 2: you're you know, creating and building, and you feel like, 307 00:16:26,320 --> 00:16:29,040 Speaker 2: I'm a boss. I got this. You know, you generally 308 00:16:30,080 --> 00:16:34,720 Speaker 2: have more energy, more you know, kind of um if 309 00:16:34,760 --> 00:16:37,920 Speaker 2: you will, But not to say that you cannot have 310 00:16:38,040 --> 00:16:40,600 Speaker 2: that same thing in your forties and your fifties and beyond, 311 00:16:40,960 --> 00:16:44,880 Speaker 2: especially if you stay healthy, you keep healthy relationships in 312 00:16:44,920 --> 00:16:48,720 Speaker 2: your life. And yes, you kind of process things. So 313 00:16:48,800 --> 00:16:52,200 Speaker 2: you said about reflecting, it's about having that time. It's 314 00:16:52,240 --> 00:16:55,000 Speaker 2: so hard to have time when you're raising kids and 315 00:16:55,040 --> 00:17:00,360 Speaker 2: you're you know, juggling so much career, family, civic responsibilities. 316 00:17:00,800 --> 00:17:04,640 Speaker 2: But then when you get older and you can have 317 00:17:05,160 --> 00:17:09,480 Speaker 2: fewer responsibilities, or you can choose to manage your time 318 00:17:09,520 --> 00:17:12,399 Speaker 2: and your schedule accordingly, some of us are very active 319 00:17:12,400 --> 00:17:14,040 Speaker 2: and busy, and we fill up the time. I'm one 320 00:17:14,080 --> 00:17:17,000 Speaker 2: of those people. I'm type A. I'm always like so 321 00:17:17,080 --> 00:17:19,720 Speaker 2: I have to consciously take it down a notch. I 322 00:17:19,760 --> 00:17:22,520 Speaker 2: have to consciously say no, I have to set boundaries. 323 00:17:22,720 --> 00:17:26,159 Speaker 2: I have to give myself time now for rest and recovery. 324 00:17:26,640 --> 00:17:29,600 Speaker 2: Earle pointed this out to me, you know, fifteen years ago. 325 00:17:29,800 --> 00:17:32,280 Speaker 2: He's like, you stack, You put one thing after the next, 326 00:17:32,280 --> 00:17:34,919 Speaker 2: after the next, and you don't pause in between. And 327 00:17:34,960 --> 00:17:39,280 Speaker 2: he was so right, you know. And so what I'm 328 00:17:39,320 --> 00:17:43,120 Speaker 2: suggesting is that not only do you know, we all 329 00:17:43,160 --> 00:17:47,560 Speaker 2: need to be kind and practice compassion with ourselves. We 330 00:17:47,600 --> 00:17:50,159 Speaker 2: need to like treat ourselves like we would treat a friend. 331 00:17:51,480 --> 00:17:55,040 Speaker 2: And part of that is having grace for ourselves is 332 00:17:55,080 --> 00:17:57,840 Speaker 2: saying I don't have it all figured out and that's okay. 333 00:17:58,080 --> 00:18:00,320 Speaker 2: Doesn't make me a bad person, it doesn't make me 334 00:18:00,359 --> 00:18:03,760 Speaker 2: a fraud, it doesn't make me an imposter. You know. 335 00:18:04,000 --> 00:18:06,840 Speaker 2: It's that I'm human, just like everybody else. I have 336 00:18:06,960 --> 00:18:10,720 Speaker 2: my challenges, I have my stresses, I have my ups 337 00:18:10,720 --> 00:18:15,320 Speaker 2: and downs. I have my problems in relationships, in money, 338 00:18:15,680 --> 00:18:19,639 Speaker 2: in health, you know, in my own emotional wellbeing, just 339 00:18:19,640 --> 00:18:23,360 Speaker 2: like everybody else does. We're all human. And so when 340 00:18:23,400 --> 00:18:26,480 Speaker 2: you start to recognize that you don't have it all 341 00:18:26,480 --> 00:18:29,280 Speaker 2: together and it's not required, you don't have to have 342 00:18:29,359 --> 00:18:32,399 Speaker 2: all the answers, you can sit with things for a 343 00:18:32,440 --> 00:18:36,840 Speaker 2: minute and kind of like I won't say weight, but 344 00:18:36,920 --> 00:18:41,359 Speaker 2: you can sort of let some answers come to you. 345 00:18:41,720 --> 00:18:43,480 Speaker 2: Like I don't know if anybody's ever had a house 346 00:18:43,880 --> 00:18:47,040 Speaker 2: or moved into an apartment or whatever, and first it's empty, 347 00:18:47,400 --> 00:18:49,600 Speaker 2: and sometimes the tendency might be, oh, let me get 348 00:18:49,600 --> 00:18:52,320 Speaker 2: some furniture. Let me put a sofa right here, a lamp, 349 00:18:52,480 --> 00:18:54,720 Speaker 2: an end table, you know this, and that, a rug 350 00:18:54,800 --> 00:18:57,280 Speaker 2: right here, or you can kind of live in the 351 00:18:57,320 --> 00:19:00,000 Speaker 2: space for a little bit, and we always want to 352 00:19:00,160 --> 00:19:04,360 Speaker 2: rush the process, you know, human nature, especially in this culture, 353 00:19:04,680 --> 00:19:07,119 Speaker 2: you know, we want everything fast, We want the answers fast, 354 00:19:07,119 --> 00:19:09,919 Speaker 2: we want the epiphanies to come quickly, we want the 355 00:19:09,920 --> 00:19:14,720 Speaker 2: overnight you know, solution, and life just doesn't go that way. 356 00:19:14,880 --> 00:19:18,639 Speaker 2: It's unfortunately, it truly doesn't, you know. 357 00:19:18,880 --> 00:19:21,159 Speaker 1: To bran Kell's credit, like this is her taking a 358 00:19:21,160 --> 00:19:24,360 Speaker 1: step back and like reflecting. I'm wondering, like with her 359 00:19:24,400 --> 00:19:28,719 Speaker 1: experience in law and in the legal field paralegal, you know, 360 00:19:28,840 --> 00:19:32,000 Speaker 1: like what are some ideas for her because obviously she's like, 361 00:19:32,040 --> 00:19:35,200 Speaker 1: I don't want to be doing this job until I die, 362 00:19:35,280 --> 00:19:38,000 Speaker 1: which is traumatic, but you know it doesn't want to 363 00:19:38,000 --> 00:19:41,720 Speaker 1: be a pairalegal. But also like doesn't feel confident in 364 00:19:41,760 --> 00:19:45,320 Speaker 1: throwing everything into the podcast because to her, like she 365 00:19:45,400 --> 00:19:47,720 Speaker 1: says that what she thinks it would be stupid, stressful 366 00:19:48,040 --> 00:19:51,040 Speaker 1: and probably wouldn't make what she's making now. Is there 367 00:19:51,119 --> 00:19:54,280 Speaker 1: some kind of bridge in between where she could be 368 00:19:55,000 --> 00:19:57,520 Speaker 1: continuing because I think having the creative outlet with the 369 00:19:57,560 --> 00:20:01,160 Speaker 1: podcast that is fulfilling and fun and kind of gives 370 00:20:01,200 --> 00:20:06,480 Speaker 1: you some fire, it's really important to maintain. Yeah, acknowledging 371 00:20:06,480 --> 00:20:08,280 Speaker 1: that it may not make that much money, But is 372 00:20:08,280 --> 00:20:11,159 Speaker 1: there like a bridge for her between those two, Is 373 00:20:11,200 --> 00:20:14,000 Speaker 1: it like go to part time as a paralegal, spend 374 00:20:14,040 --> 00:20:15,040 Speaker 1: more time on the pod. 375 00:20:15,720 --> 00:20:18,840 Speaker 2: So I was just so, I'm glad you raised this question, 376 00:20:18,880 --> 00:20:22,400 Speaker 2: because again, what I heard her saying was the tension 377 00:20:22,480 --> 00:20:26,439 Speaker 2: between profits and needs to make money and purpose. Right. So, 378 00:20:26,840 --> 00:20:29,200 Speaker 2: she clearly loved the podcast. She says, she's been doing 379 00:20:29,200 --> 00:20:31,360 Speaker 2: it for years, she's doing it with a friend that 380 00:20:31,680 --> 00:20:37,240 Speaker 2: makes it even more enjoyable. And the fact is she's 381 00:20:37,280 --> 00:20:40,760 Speaker 2: talking about like good stuff like politics and wealth and 382 00:20:41,640 --> 00:20:46,600 Speaker 2: wellness and whatnot. Right, So what I would say is, first, 383 00:20:46,840 --> 00:20:51,160 Speaker 2: who told you that it won't be successful? Who told 384 00:20:51,160 --> 00:20:53,920 Speaker 2: you that you can't make any money with it? People 385 00:20:54,200 --> 00:20:58,199 Speaker 2: said to you know, people like me who had a 386 00:20:58,240 --> 00:21:02,560 Speaker 2: background in journalism, for example, they were like, oh my gosh, 387 00:21:02,800 --> 00:21:06,919 Speaker 2: you know reporters. Journalists don't make any money. Like that's like, 388 00:21:07,040 --> 00:21:11,600 Speaker 2: you don't go into journalism for money. Well, I'm glad 389 00:21:11,600 --> 00:21:12,959 Speaker 2: I didn't listen to that, because I made a lot 390 00:21:12,960 --> 00:21:15,760 Speaker 2: of money in journalism. The key is really about being 391 00:21:15,800 --> 00:21:19,760 Speaker 2: in alignment with the things that make her happy, and 392 00:21:19,840 --> 00:21:24,400 Speaker 2: the things that Raquel has clearly identified are fulfilling for her, 393 00:21:24,480 --> 00:21:26,960 Speaker 2: and the podcast is one of those things. Again, she 394 00:21:26,960 --> 00:21:30,520 Speaker 2: wouldn't be doing it for four years and tag teaming 395 00:21:30,560 --> 00:21:33,439 Speaker 2: with a friend if it wasn't pleasurable for her and 396 00:21:33,440 --> 00:21:36,840 Speaker 2: if she didn't get value out of it. So the 397 00:21:36,960 --> 00:21:42,040 Speaker 2: question is, can you lean into that and can you 398 00:21:42,080 --> 00:21:46,800 Speaker 2: think about and strategize around ways to monetize the podcast 399 00:21:47,200 --> 00:21:52,439 Speaker 2: or ways to do it in either in sequence or 400 00:21:52,480 --> 00:21:58,240 Speaker 2: in steps or in maybe not even phases, but in 401 00:21:58,280 --> 00:22:02,879 Speaker 2: a way that could be revenue generated. And so what 402 00:22:02,920 --> 00:22:05,000 Speaker 2: does that look like? Does it look like? What do 403 00:22:05,040 --> 00:22:08,240 Speaker 2: I need to learn about getting sponsors? Does it look 404 00:22:08,320 --> 00:22:11,919 Speaker 2: like do I need any brand partners? Do I have 405 00:22:12,000 --> 00:22:16,199 Speaker 2: a model that I could utilize? Are there you know, 406 00:22:17,600 --> 00:22:20,720 Speaker 2: guess who might pay to come on, to have a platform, 407 00:22:20,800 --> 00:22:23,600 Speaker 2: or to be able to be on a show, et cetera. 408 00:22:23,960 --> 00:22:27,919 Speaker 2: I'm just randomly making up, you know, things, But the idea. 409 00:22:27,680 --> 00:22:30,320 Speaker 1: Is being stupid, stressful, like to your point about like 410 00:22:30,359 --> 00:22:33,600 Speaker 1: early on, like she just wants some peace, and part 411 00:22:33,600 --> 00:22:35,400 Speaker 1: of me it's hard for me to be like, yeah, 412 00:22:35,640 --> 00:22:37,479 Speaker 1: you know, make the podcast the thing and be your 413 00:22:37,520 --> 00:22:40,440 Speaker 1: own boss, because I'm so in it and I'm just like, yeah, 414 00:22:40,440 --> 00:22:41,800 Speaker 1: it is a hell a lot of work. 415 00:22:41,920 --> 00:22:43,720 Speaker 2: Works at them. 416 00:22:44,760 --> 00:22:46,240 Speaker 3: It doesn't feel retirement. 417 00:22:46,359 --> 00:22:49,280 Speaker 1: Ye, this isn't like picking up a hobby like tennis, 418 00:22:49,359 --> 00:22:51,719 Speaker 1: you know, very different. 419 00:22:52,119 --> 00:22:56,399 Speaker 2: Listen to this. Yeah, you know, there are some things 420 00:22:56,440 --> 00:23:00,480 Speaker 2: that are stressful for some people but invigorating for others. 421 00:23:01,320 --> 00:23:07,400 Speaker 2: So she saying, I have a friend that I do 422 00:23:07,440 --> 00:23:09,960 Speaker 2: the podcast with. So first of all, that's telling me 423 00:23:10,000 --> 00:23:14,000 Speaker 2: that potentially half the load, or at least a significant part, 424 00:23:14,320 --> 00:23:16,399 Speaker 2: or at least perhaps the part that she doesn't like 425 00:23:16,760 --> 00:23:19,919 Speaker 2: or that might be you know, stressful or time consuming 426 00:23:20,400 --> 00:23:24,160 Speaker 2: or less desirable for her, could potentially be with her partner. 427 00:23:24,560 --> 00:23:28,200 Speaker 2: So it's often the case that you know, God puts 428 00:23:28,240 --> 00:23:32,600 Speaker 2: together duos who are opposites. Right. She has a lot 429 00:23:32,640 --> 00:23:35,440 Speaker 2: of legal smarts. She says, she had her legal degree. 430 00:23:35,840 --> 00:23:38,200 Speaker 2: She was she and she did like that. She said 431 00:23:38,240 --> 00:23:42,040 Speaker 2: she had her colleagues were actually nice, she liked them, 432 00:23:42,080 --> 00:23:45,359 Speaker 2: good boss. So there's something there in the in the 433 00:23:45,440 --> 00:23:49,480 Speaker 2: legal world that her that has also kept her in that. 434 00:23:49,920 --> 00:23:52,840 Speaker 2: So I don't know, maybe she could you know, I'm 435 00:23:52,880 --> 00:23:55,200 Speaker 2: not telling her to go pitch court TV or something, 436 00:23:55,400 --> 00:23:59,359 Speaker 2: but maybe she can marry her ability to talk and 437 00:23:59,400 --> 00:24:05,080 Speaker 2: to analyze and to you know, think through bigger issues, 438 00:24:05,119 --> 00:24:09,239 Speaker 2: whether that's politics, et cetera, and combine that with her 439 00:24:09,320 --> 00:24:13,320 Speaker 2: legal skill set in a way that maybe she's a 440 00:24:13,320 --> 00:24:16,200 Speaker 2: contributor on Maybe she's like, oh wow, I would say it. 441 00:24:16,240 --> 00:24:18,000 Speaker 2: I wanted to talk talk talk, but maybe I can 442 00:24:18,080 --> 00:24:20,000 Speaker 2: be a contributor on the TV show and be at 443 00:24:20,359 --> 00:24:22,920 Speaker 2: a legal expert and get paid. I mean so, I'm 444 00:24:23,000 --> 00:24:23,680 Speaker 2: just like. 445 00:24:24,400 --> 00:24:27,120 Speaker 1: And the way to get those opportunities is to have 446 00:24:27,359 --> 00:24:30,000 Speaker 1: is to create your own platform, at least in today's age, 447 00:24:30,000 --> 00:24:32,840 Speaker 1: I feel like, especially if you're not coming at it 448 00:24:32,880 --> 00:24:36,200 Speaker 1: from like a more traditional background, like as a journalist, 449 00:24:36,200 --> 00:24:39,199 Speaker 1: I think the path to become a contributor is more natural. 450 00:24:39,280 --> 00:24:41,760 Speaker 1: But like for someone who has their own platform, you 451 00:24:41,800 --> 00:24:44,359 Speaker 1: know with the podcast, just showing up and doing the 452 00:24:44,400 --> 00:24:47,680 Speaker 1: show and putting yourself out there. And I did see 453 00:24:47,680 --> 00:24:51,240 Speaker 1: that with her podcast. They are posting on social media. 454 00:24:51,400 --> 00:24:54,479 Speaker 1: And I think the part about having a podcast that 455 00:24:54,520 --> 00:24:57,119 Speaker 1: can be like can feel like work for some and 456 00:24:57,119 --> 00:24:59,080 Speaker 1: then not so much work for others. It can feel fun. 457 00:24:59,119 --> 00:25:02,359 Speaker 1: It's like shouting about your show and like getting it 458 00:25:02,400 --> 00:25:04,480 Speaker 1: out there because you never know who could be watching. 459 00:25:05,080 --> 00:25:07,520 Speaker 1: And I think the more that you are and yes, 460 00:25:07,720 --> 00:25:11,080 Speaker 1: so podcasting it's not that easy, to immediately monetize. I mean, 461 00:25:11,080 --> 00:25:15,000 Speaker 1: it definitely can be done, but right if you're just 462 00:25:15,080 --> 00:25:17,159 Speaker 1: kind of doing it as a as a hobby, not 463 00:25:17,160 --> 00:25:20,080 Speaker 1: making any money from it. But it can be like 464 00:25:20,119 --> 00:25:22,560 Speaker 1: a calling card in a way for people to approach 465 00:25:22,600 --> 00:25:26,280 Speaker 1: you for other opportunities that may bring you know, financial gain, 466 00:25:26,440 --> 00:25:30,800 Speaker 1: like speaking opportunities, and to your point, Lannette, like contributor opportunities, 467 00:25:30,840 --> 00:25:35,600 Speaker 1: maybe even writing opportunities. Obviously, you know you're editorializing, you're 468 00:25:35,640 --> 00:25:38,919 Speaker 1: talking about these topics on your show and current events 469 00:25:38,920 --> 00:25:42,600 Speaker 1: and all this, So why not can contribute, like you said, 470 00:25:42,760 --> 00:25:45,639 Speaker 1: you know, either on TV or through writing like there 471 00:25:45,640 --> 00:25:47,720 Speaker 1: could be and as a paralegal and having gone. 472 00:25:47,560 --> 00:25:49,359 Speaker 3: To law school, I know you know how to write. 473 00:25:50,240 --> 00:25:50,880 Speaker 3: I know you do. 474 00:25:51,040 --> 00:25:55,640 Speaker 2: So it brings a book possibilities, E books and obviously 475 00:25:55,680 --> 00:25:59,000 Speaker 2: with the advent of AI the last couple of years, 476 00:25:59,280 --> 00:26:05,600 Speaker 2: there are twos and digital apps, software, etc. Everything that 477 00:26:05,640 --> 00:26:08,960 Speaker 2: can help you to further that. And I heard once 478 00:26:10,200 --> 00:26:14,800 Speaker 2: somebody said every time they were talking to entrepreneurs, and 479 00:26:14,840 --> 00:26:17,320 Speaker 2: they were saying, every time you open your mouth, a 480 00:26:17,400 --> 00:26:22,600 Speaker 2: product should come out. And the idea was your knowledge 481 00:26:22,640 --> 00:26:25,800 Speaker 2: and what's in your head can be packaged and sold 482 00:26:25,880 --> 00:26:28,640 Speaker 2: in different ways. So, yes, you could have an audio 483 00:26:28,760 --> 00:26:31,679 Speaker 2: version of what you're talking about a podcast. Yes, you 484 00:26:31,720 --> 00:26:36,640 Speaker 2: can take the written transcript package that into you know, 485 00:26:37,640 --> 00:26:44,720 Speaker 2: a white paper, a newsletter, an ebook, a short guide 486 00:26:44,760 --> 00:26:47,000 Speaker 2: that you sell. It might be something like if you 487 00:26:47,080 --> 00:26:51,200 Speaker 2: know one question legally, for example, that everybody always asks about. 488 00:26:51,480 --> 00:26:53,080 Speaker 2: It could be a lead magnet, or it could be 489 00:26:53,680 --> 00:26:56,840 Speaker 2: something that you sell a digital product, but it's like 490 00:26:57,160 --> 00:26:58,760 Speaker 2: hugely popular, you know. 491 00:26:59,480 --> 00:27:02,080 Speaker 1: Can we talk a little bit about financially, like preparing 492 00:27:02,119 --> 00:27:04,560 Speaker 1: for this chapter of life? You know, she's in her 493 00:27:04,640 --> 00:27:10,840 Speaker 1: late sixty or fifties now and thinking about potentially, yeah, 494 00:27:11,000 --> 00:27:13,879 Speaker 1: pulling back on like the nine to five work, Lynnette, So, 495 00:27:14,119 --> 00:27:16,720 Speaker 1: how do you think someone who's working nine to five? 496 00:27:16,720 --> 00:27:18,440 Speaker 1: I know you've had a really interesting career and you've 497 00:27:18,440 --> 00:27:20,560 Speaker 1: been independent. You've been your own boss for. 498 00:27:20,640 --> 00:27:22,920 Speaker 3: A couple of decades now, right, twenty two years? 499 00:27:23,000 --> 00:27:25,600 Speaker 1: Yeah, right, so been doing this for a while. But 500 00:27:25,720 --> 00:27:28,000 Speaker 1: if you can put yourself in Raquel Shoe, she's working 501 00:27:28,080 --> 00:27:30,280 Speaker 1: nine to five as a paralegal, Like, how do you 502 00:27:30,280 --> 00:27:33,680 Speaker 1: start to un like to peel back financially from a 503 00:27:33,800 --> 00:27:35,960 Speaker 1: nine to five but then still support yourself? 504 00:27:36,440 --> 00:27:37,160 Speaker 3: Is this the part? 505 00:27:37,400 --> 00:27:40,879 Speaker 1: Is this the time when you know, we start thinking about, 506 00:27:41,440 --> 00:27:45,080 Speaker 1: all right, a few years away from early retirement age 507 00:27:45,160 --> 00:27:47,760 Speaker 1: where I can start to draw my Social Security benefits. 508 00:27:47,800 --> 00:27:51,879 Speaker 1: But is it also like, is it also okay to 509 00:27:51,920 --> 00:27:54,720 Speaker 1: look at what you've invested so far and say, can 510 00:27:54,760 --> 00:27:56,280 Speaker 1: I start to produce like a little bit of an 511 00:27:56,280 --> 00:27:59,480 Speaker 1: income from myself from my investments that had been working 512 00:27:59,560 --> 00:27:59,800 Speaker 1: for me? 513 00:28:01,359 --> 00:28:04,199 Speaker 2: So I think, not only is it okay to take 514 00:28:04,240 --> 00:28:06,879 Speaker 2: a look at things, you absolutely should And so I 515 00:28:06,920 --> 00:28:10,639 Speaker 2: would tell somebody at this phase late fifties that they 516 00:28:10,640 --> 00:28:15,040 Speaker 2: should absolutely do three things from a financial perspective. One 517 00:28:15,200 --> 00:28:18,040 Speaker 2: is get a hold of their numbers. One is what 518 00:28:18,080 --> 00:28:22,159 Speaker 2: are your total income sources and what are your projected 519 00:28:22,280 --> 00:28:24,840 Speaker 2: income sources. Then you need to get to handle on 520 00:28:24,880 --> 00:28:28,600 Speaker 2: your expenses, right, what is going out the door? You 521 00:28:28,640 --> 00:28:32,720 Speaker 2: don't want to be deficit spending, especially heading into retirement 522 00:28:32,800 --> 00:28:36,439 Speaker 2: or pre retirement. So deficit spending just means you're spending 523 00:28:36,480 --> 00:28:39,880 Speaker 2: more than you're bringing in, right, and so you need 524 00:28:39,920 --> 00:28:44,120 Speaker 2: to get that in alignment. So what assets have you 525 00:28:44,200 --> 00:28:46,360 Speaker 2: built up? Do you have a four oh one K 526 00:28:46,560 --> 00:28:48,840 Speaker 2: or a four three B plan, A thrift savings a 527 00:28:48,840 --> 00:28:52,280 Speaker 2: four to fifty seven? Do you have any savings do 528 00:28:52,360 --> 00:28:54,880 Speaker 2: you have stocks, do you have bonds? Do you have 529 00:28:55,040 --> 00:29:00,200 Speaker 2: ETFs exchange traded funds? Do you own any crypto? Do 530 00:29:00,200 --> 00:29:03,160 Speaker 2: you have life insurance? The cash value of any life 531 00:29:03,160 --> 00:29:06,840 Speaker 2: insurance would count as an as an asset. Now, if 532 00:29:06,920 --> 00:29:09,040 Speaker 2: you don't see a positive net worth, don't freak out. 533 00:29:09,480 --> 00:29:11,200 Speaker 2: Don't just be like, oh my god, I'm gonna be 534 00:29:11,240 --> 00:29:14,160 Speaker 2: a basket lady. I'm never gonna get no. No, it's 535 00:29:14,200 --> 00:29:17,680 Speaker 2: a snapshot in time of where you are. It's really 536 00:29:17,720 --> 00:29:20,920 Speaker 2: about having a game plan afterwards. So I tell people 537 00:29:20,920 --> 00:29:23,240 Speaker 2: to look at their numbers and then to get help. 538 00:29:23,480 --> 00:29:27,240 Speaker 2: The people who do best in life are those who have, frankly, 539 00:29:27,320 --> 00:29:30,920 Speaker 2: not just an advisor or an expert of money, coach a, etc. 540 00:29:31,360 --> 00:29:34,560 Speaker 2: They have a team, They have an accountant, they have 541 00:29:34,880 --> 00:29:38,200 Speaker 2: a money manager or a broker, a wealth advisor, et cetera. 542 00:29:38,320 --> 00:29:40,200 Speaker 2: And you don't have to feel like, well I'm too little. 543 00:29:40,200 --> 00:29:42,280 Speaker 2: I don't have to you know what, You can find 544 00:29:42,480 --> 00:29:46,080 Speaker 2: the right ones for you. You can find a fee only advisor, 545 00:29:46,720 --> 00:29:50,760 Speaker 2: you pay them a flat fee. You can find someone 546 00:29:50,760 --> 00:29:52,880 Speaker 2: who does work with people who don't have like ridiculous 547 00:29:52,920 --> 00:29:55,560 Speaker 2: amounts of assets, so you can find you know, through 548 00:29:55,680 --> 00:29:59,960 Speaker 2: NAPFA and other places, National Association of Personal Financial Advisor, 549 00:30:00,440 --> 00:30:03,680 Speaker 2: get a fee only planner, et cetera. And then they'll 550 00:30:03,720 --> 00:30:06,080 Speaker 2: start to they'll look at your whole picture for you 551 00:30:06,600 --> 00:30:09,600 Speaker 2: and they will say, Okay, here's some strategies and this 552 00:30:09,640 --> 00:30:10,840 Speaker 2: is how you can do. This is what you can 553 00:30:10,880 --> 00:30:13,000 Speaker 2: do to execute on a plan, and then they will 554 00:30:13,000 --> 00:30:15,800 Speaker 2: start to tell you about your other question Mandy, which 555 00:30:15,840 --> 00:30:19,840 Speaker 2: was about what is safe for you to either draw 556 00:30:20,000 --> 00:30:24,560 Speaker 2: down on or use in retirement. So historically there's you know, 557 00:30:24,760 --> 00:30:27,120 Speaker 2: they call the four percent rate as a as a 558 00:30:27,120 --> 00:30:30,560 Speaker 2: distribution rule, saying, you know, take you can safely take 559 00:30:30,600 --> 00:30:33,800 Speaker 2: out when you're in your sixties about four percent of 560 00:30:33,840 --> 00:30:37,360 Speaker 2: your assets on a given year. That'll help that it'll 561 00:30:37,400 --> 00:30:41,040 Speaker 2: last for twenty five years. Some people say it might 562 00:30:41,120 --> 00:30:44,000 Speaker 2: be a more conservative number is better, but again it 563 00:30:44,040 --> 00:30:47,160 Speaker 2: depends on what you've built up and what else you have. 564 00:30:47,840 --> 00:30:49,760 Speaker 2: How much you have in savings, do you have cash 565 00:30:49,760 --> 00:30:52,560 Speaker 2: flow coming from rental property? What else? Are you married 566 00:30:52,880 --> 00:30:55,120 Speaker 2: and is there a second income? All of those things? 567 00:30:55,360 --> 00:30:58,800 Speaker 2: What year would you take social Security? It's not an 568 00:30:58,840 --> 00:31:01,320 Speaker 2: easy question to answer, which is part of the reason 569 00:31:01,360 --> 00:31:04,920 Speaker 2: why I say step two get help, like, don't feel 570 00:31:04,920 --> 00:31:06,280 Speaker 2: like you have to do it alone. 571 00:31:07,280 --> 00:31:09,960 Speaker 1: Yeah, I think it's also it can feel overwhelming thinking 572 00:31:11,640 --> 00:31:13,560 Speaker 1: and that's where you know, the stress part can come in. 573 00:31:13,760 --> 00:31:16,760 Speaker 1: Is Okay, so if I'm going to remove this source 574 00:31:16,760 --> 00:31:20,760 Speaker 1: of income, then what's going to replace it? And at 575 00:31:20,800 --> 00:31:26,840 Speaker 1: that point, it's like it's almost it's it's like self flagellation, 576 00:31:27,120 --> 00:31:30,320 Speaker 1: like masochistic to try to figure that out by yourself 577 00:31:30,680 --> 00:31:32,480 Speaker 1: and not have someone who can sort of look at 578 00:31:32,520 --> 00:31:36,200 Speaker 1: all your especially the tax implications when you're starting to 579 00:31:36,200 --> 00:31:39,520 Speaker 1: talk about like making with draws or you know, just 580 00:31:39,640 --> 00:31:42,560 Speaker 1: using your your funds that feel like they're yours and 581 00:31:42,600 --> 00:31:43,959 Speaker 1: they should, you know, you should be able to take 582 00:31:43,960 --> 00:31:46,080 Speaker 1: advantage of them. But even in your fifties, like you're 583 00:31:46,080 --> 00:31:48,640 Speaker 1: not fully in that like free zone where you're not 584 00:31:48,680 --> 00:31:53,000 Speaker 1: going to have like tax implications. So and like figuring 585 00:31:53,040 --> 00:31:56,080 Speaker 1: out like how to downsize. I wonder if y'all have 586 00:31:56,160 --> 00:31:59,360 Speaker 1: done any like downsizing, especially now that you're trying, I mean, 587 00:31:59,600 --> 00:32:02,360 Speaker 1: sorry for the puppies. Sounds like they might be getting downside. 588 00:32:03,120 --> 00:32:06,080 Speaker 2: So they are not but great. 589 00:32:05,960 --> 00:32:08,320 Speaker 1: Changing your life for this lifestyle that you found you 590 00:32:08,400 --> 00:32:09,440 Speaker 1: want exactly. 591 00:32:09,520 --> 00:32:11,880 Speaker 2: Yeah, but that's a very good question, and we are 592 00:32:12,000 --> 00:32:16,240 Speaker 2: strategically repositioning. So we are looking so I think, you know, 593 00:32:16,400 --> 00:32:19,640 Speaker 2: my husband and I we own eight properties and they've 594 00:32:19,680 --> 00:32:22,160 Speaker 2: served us well, they've served their purpose, and so we're 595 00:32:22,200 --> 00:32:25,080 Speaker 2: looking at should we liquidate some, should we sell, what 596 00:32:25,160 --> 00:32:28,120 Speaker 2: should we do? And honestly, where should we redeploy capital. 597 00:32:28,600 --> 00:32:30,840 Speaker 2: You know, we've been in markets that were good markets, 598 00:32:30,920 --> 00:32:33,360 Speaker 2: and you know, we're in a softer economy right now 599 00:32:34,440 --> 00:32:38,680 Speaker 2: because of the things that are going on, you know, tariffs, 600 00:32:38,760 --> 00:32:42,280 Speaker 2: you know, interest rates, you know, volatility in terms of 601 00:32:42,360 --> 00:32:45,320 Speaker 2: economic policy, et cetera. But long story short, you know, 602 00:32:45,360 --> 00:32:49,120 Speaker 2: we've been in great markets in Houston, in Austin, in 603 00:32:49,200 --> 00:32:52,880 Speaker 2: Atlanta area and Raleigh in North Carolina is where our 604 00:32:52,920 --> 00:32:55,280 Speaker 2: properties are, and we've had good, you know, very good 605 00:32:55,520 --> 00:32:59,840 Speaker 2: equity appreciation, et cetera. And so but we are like, oh, okay, 606 00:33:00,200 --> 00:33:02,040 Speaker 2: what we did it for? Like it worked? You know, 607 00:33:02,600 --> 00:33:05,280 Speaker 2: like you know, we we built up you know, part 608 00:33:05,280 --> 00:33:08,080 Speaker 2: of our asset base, part of our plan for us 609 00:33:08,080 --> 00:33:12,680 Speaker 2: for retirement was to use real estate as a cornerstone 610 00:33:13,080 --> 00:33:17,680 Speaker 2: towards wealth building. So certainly we're we're we are evaluating 611 00:33:17,680 --> 00:33:20,400 Speaker 2: that and we're thinking like, okay, for the next step, 612 00:33:20,760 --> 00:33:25,040 Speaker 2: like what we consider buying some international property, should we 613 00:33:25,080 --> 00:33:29,960 Speaker 2: redeploy assets into faster growing markets and what would that 614 00:33:30,040 --> 00:33:35,120 Speaker 2: look like? So yeah, you don't need to like again 615 00:33:35,200 --> 00:33:38,520 Speaker 2: figure out everything yourself. And you know, some people's life 616 00:33:38,600 --> 00:33:43,520 Speaker 2: might not be as wild as ours is, but when 617 00:33:43,560 --> 00:33:46,160 Speaker 2: you get into your fifties, generally you do have a 618 00:33:46,160 --> 00:33:49,880 Speaker 2: more robust life, right, You have so much, so many 619 00:33:49,920 --> 00:33:55,000 Speaker 2: more moving parts, and it really does pay to get help, 620 00:33:55,160 --> 00:33:58,320 Speaker 2: and it doesn't have to be ridiculously expensive. I will 621 00:33:58,360 --> 00:33:59,000 Speaker 2: almost say that. 622 00:34:00,880 --> 00:34:05,600 Speaker 1: Yeah, I also feel like I just hope because everything 623 00:34:05,640 --> 00:34:07,719 Speaker 1: that she's going through right now, I think is I 624 00:34:07,760 --> 00:34:09,680 Speaker 1: just feel like it's not necessarily like a fifty six 625 00:34:09,800 --> 00:34:12,120 Speaker 1: year old problem. I think a lot of us go 626 00:34:12,200 --> 00:34:15,480 Speaker 1: through those phases like every few years. I feel like 627 00:34:15,560 --> 00:34:17,879 Speaker 1: I've definitely I'm thirty eight, but I've had those part 628 00:34:18,000 --> 00:34:21,919 Speaker 1: those times where I'm like, hmm, this doesn't quite feel right, 629 00:34:22,000 --> 00:34:24,160 Speaker 1: like what is the next chapter going to be like? 630 00:34:24,239 --> 00:34:26,840 Speaker 1: And how do I sort of get there? And I 631 00:34:26,880 --> 00:34:30,400 Speaker 1: think as long as we are like giving ourselves permission 632 00:34:30,560 --> 00:34:35,719 Speaker 1: to make changes and not feeling stuck and certainly like 633 00:34:36,360 --> 00:34:40,600 Speaker 1: not believing the lie that there isn't enough time, you know, 634 00:34:40,800 --> 00:34:42,759 Speaker 1: or that my time has run out or that ship 635 00:34:42,800 --> 00:34:47,759 Speaker 1: has sailed, like to push ourselves to strive for something new. 636 00:34:48,080 --> 00:34:51,960 Speaker 1: I think that that is it can be the hardest part, 637 00:34:52,000 --> 00:34:54,560 Speaker 1: but I think that's like the clearest pathways, Like you 638 00:34:54,680 --> 00:34:58,600 Speaker 1: have to give yourself permission to think of something new, 639 00:34:59,520 --> 00:35:01,839 Speaker 1: and that is time for it, and there's time for 640 00:35:01,880 --> 00:35:06,160 Speaker 1: you and your dreams, and that you're not actually so 641 00:35:06,360 --> 00:35:09,760 Speaker 1: close to needing to like tie it all up right 642 00:35:10,040 --> 00:35:10,800 Speaker 1: in a bow. 643 00:35:11,200 --> 00:35:16,840 Speaker 2: Right and not only giving yourself permission. It's also understanding 644 00:35:16,880 --> 00:35:19,440 Speaker 2: you said the lie, you know, the lie about different 645 00:35:19,480 --> 00:35:23,239 Speaker 2: things because part of the lie is that your identity 646 00:35:23,360 --> 00:35:27,360 Speaker 2: is fixed. Part of the lie is that you can't evolve. 647 00:35:27,960 --> 00:35:31,040 Speaker 2: Part of the lie is that you can't transition. Part 648 00:35:31,040 --> 00:35:33,319 Speaker 2: of the lie is that you can't try something new 649 00:35:33,719 --> 00:35:37,560 Speaker 2: and even quote unquote fail. It's okay to say I 650 00:35:37,600 --> 00:35:39,719 Speaker 2: tried it and it didn't work out, but guess what 651 00:35:39,800 --> 00:35:41,880 Speaker 2: you might try to be like this is freaking amazing 652 00:35:42,480 --> 00:35:45,080 Speaker 2: and I'm so glad I did it finally, you know. So, 653 00:35:45,800 --> 00:35:48,480 Speaker 2: part of the lie is the belief that you have 654 00:35:48,600 --> 00:35:51,719 Speaker 2: to stay stuck in something, or that because I did 655 00:35:51,760 --> 00:35:53,680 Speaker 2: this before, or because I got a law degree, or 656 00:35:53,680 --> 00:35:55,759 Speaker 2: because I worked at a law firm, I have to 657 00:35:55,800 --> 00:35:58,080 Speaker 2: stay only on this one path, and this is I 658 00:35:58,080 --> 00:35:59,560 Speaker 2: have to take the traditional path or I have to 659 00:35:59,560 --> 00:36:02,239 Speaker 2: do it this. No, it's not. That's where I meant 660 00:36:02,239 --> 00:36:05,719 Speaker 2: by creating the reality that you want, like make it 661 00:36:05,760 --> 00:36:08,399 Speaker 2: work for you, like figure out like what would really 662 00:36:08,400 --> 00:36:11,440 Speaker 2: make me happy? And you know, maybe I just have 663 00:36:11,480 --> 00:36:14,040 Speaker 2: to create something that doesn't exist. I know, one thing 664 00:36:14,200 --> 00:36:15,960 Speaker 2: in our life early and I talk about this all 665 00:36:15,960 --> 00:36:19,280 Speaker 2: the time, we feel like there's no blueprint, there's no 666 00:36:19,280 --> 00:36:22,000 Speaker 2: nobody lives a life like we live like we don't, 667 00:36:22,280 --> 00:36:24,400 Speaker 2: so I don't have anybody to ask like, Okay, should 668 00:36:24,400 --> 00:36:27,160 Speaker 2: I do this? What? You know, Like we're just doing 669 00:36:27,200 --> 00:36:29,440 Speaker 2: it and like bray, it's all gonna be good and 670 00:36:29,480 --> 00:36:31,520 Speaker 2: work out and and so far it has, you know. 671 00:36:31,640 --> 00:36:35,640 Speaker 2: But it's what I just wanted to identify that part 672 00:36:35,680 --> 00:36:39,120 Speaker 2: of the lie is the kind of misconception that we 673 00:36:39,239 --> 00:36:44,440 Speaker 2: tell ourselves subconsciously about what it means to move in 674 00:36:44,520 --> 00:36:46,839 Speaker 2: a certain way, to be a certain way, to do 675 00:36:46,920 --> 00:36:50,239 Speaker 2: a certain thing. We're tying our identity so much to 676 00:36:51,120 --> 00:36:53,800 Speaker 2: things that may not serve us, and it may not 677 00:36:53,920 --> 00:36:56,360 Speaker 2: even been for us, you know, in the first place. 678 00:36:56,600 --> 00:37:04,200 Speaker 1: So I hope that this has helped you one feel 679 00:37:04,239 --> 00:37:08,239 Speaker 1: like definitely not alone. And Lynette, I just want to 680 00:37:08,239 --> 00:37:11,640 Speaker 1: say thank you so so much for unpacking this all 681 00:37:11,680 --> 00:37:16,320 Speaker 1: with me and for sharing your perspective and your insight. Yeah, 682 00:37:16,360 --> 00:37:18,120 Speaker 1: and I'm really grateful to have you in my life too, 683 00:37:18,160 --> 00:37:21,719 Speaker 1: because I do feel like I'm really craving conversations from 684 00:37:21,760 --> 00:37:25,120 Speaker 1: women who are older and more seasoned, who have been 685 00:37:25,160 --> 00:37:27,799 Speaker 1: through a lot of these experiences. Because everyone I talk 686 00:37:27,920 --> 00:37:31,000 Speaker 1: to who's still alive and it looks great and is 687 00:37:31,040 --> 00:37:34,760 Speaker 1: like thriving, I'm like, oh, that is a possibility. It's 688 00:37:34,880 --> 00:37:40,000 Speaker 1: not so insurmountable or you know, difficult, like you actually 689 00:37:40,000 --> 00:37:42,040 Speaker 1: can get through it. And so thanks for being that 690 00:37:42,160 --> 00:37:45,360 Speaker 1: for me as well. 691 00:37:45,480 --> 00:37:47,759 Speaker 3: We love you, Lynette. Be a faan. 692 00:37:48,040 --> 00:37:52,200 Speaker 1: Please go check out Lynette Califani Cox aka the Money Coach. 693 00:37:52,320 --> 00:37:54,279 Speaker 1: We'll be sure to put all of her info in 694 00:37:54,440 --> 00:37:56,560 Speaker 1: the socials and go pick up a copy of her 695 00:37:56,600 --> 00:37:59,920 Speaker 1: brand new book, Bounce Back Right, Bounce Back, I got 696 00:37:59,920 --> 00:38:02,480 Speaker 1: it right Right. I'll put a link to that in 697 00:38:02,520 --> 00:38:05,239 Speaker 1: the show notes as well. Lynnette, thank you so much 698 00:38:05,239 --> 00:38:08,720 Speaker 1: for joining Brown Ambition and BA Fam. Always a pleasure. 699 00:38:08,840 --> 00:38:10,640 Speaker 1: Please if you want to have a question answered on 700 00:38:10,680 --> 00:38:12,759 Speaker 1: the show, you know what to do. Email me Brown 701 00:38:12,800 --> 00:38:15,600 Speaker 1: Ambition Podcast at gmail dot com, or you can DM 702 00:38:15,640 --> 00:38:20,759 Speaker 1: me at Brown Ambition Podcast on Instagram. Thank y'all, Hie