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Speaker 1: Don't just like set numbers and just like walk away

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Speaker 1: you're done.

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Speaker 2: It's setting the numbers, going back to them and making

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Speaker 2: sure you're actually in the guidelines and you're coming up

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Speaker 2: with a plan if you're not.

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Speaker 3: Hey, everybody, Emily Abadi coming to you from the Age Studio.

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Speaker 3: You are listening to another installment of Hurdle. Moment from Hurdle,

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Speaker 3: a wellness focused podcast, reconnect with everyone from your favorite

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Speaker 3: athletes to top experts and industry CEOs about their highest hies,

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Speaker 3: toughest moments, and everything in between. We all go through

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Speaker 3: hurdles in life, and my goal through these discussions is

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Speaker 3: to empower you to better navigate yours and move with

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Speaker 3: intention so that you can stride towards your own big

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Speaker 3: potential and of course have some fun along the way. Today,

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Speaker 3: I am so excited to be bringing you my conversation

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Speaker 3: with Jamila Souffrant.

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Speaker 4: She is a money coach.

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Speaker 3: She's also host of the wildly successful Journey to Launch

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Speaker 3: podcast and we are getting into a conversation all about budgeting. Listen,

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Speaker 3: there are a lot of different aspects to health and wellness.

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Speaker 4: I talk about this on the show all of the time.

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Speaker 3: I have addressed financial wellness in the past, and when

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Speaker 3: I did so, I got a lot of different questions,

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Speaker 3: DMS and emails about budgeting specifically. So that is where

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Speaker 3: my new friend Jamila comes into the clutch. Jamila has

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Speaker 3: a really unbelievable story when it comes to turning her

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Speaker 3: finances around and saving and she has made a name

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Speaker 3: for herself helping others to find the same amount of

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Speaker 3: financial freedom that she has found. We talk all about

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Speaker 3: that in today's episode. And she also gives so many

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Speaker 3: helpful tips and track when it comes to executing a budget,

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Speaker 3: from how to plan your budget, how much money you

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Speaker 3: should have saved for different things like an emergency fund,

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Speaker 3: and how to home in on ways to possibly make

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Speaker 3: more money outside of your conventional perhaps nine to five job,

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Speaker 3: or make the money that you are already earning really

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Speaker 3: work for you. Loved the opportunity to connect with Jumila.

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Speaker 3: We are both featured on the Today's show, which was

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Speaker 3: how her and I came to meet in the first place.

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Speaker 3: And to be real, I love making friends that do

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Speaker 3: what I do that podcast. I love hearing their tips,

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Speaker 3: their tricks. I always feel like, no matter how long

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Speaker 3: you've been doing the thing, there is never an opportunity

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Speaker 3: to stop learning. So to learn from someone else who's

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Speaker 3: doing it and doing it well, it's a no brainer

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Speaker 3: for me. Make sure you're following along with Hurdle over

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Speaker 3: on the socials It's at Hurdle podcast. Also, want to

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Speaker 3: give some love to my ig. It's over at Emily

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Speaker 3: a body. Like I said in this intro, you know,

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Speaker 3: I've been doing this for a long time and really

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Speaker 3: do want to make an effort to focus on all

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Speaker 3: different aspects of wellness in this feed. So if there

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Speaker 3: is something specific that you want to hear about, a

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Speaker 3: specific question you want answered, I am all ears. The

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Speaker 3: best way to let me know is by leaving me

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Speaker 3: a voice message. You can leave me one hear your

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Speaker 3: voice on the show I know, really exciting opportunity by

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Speaker 3: clicking on over to the show notes. It's super super

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Speaker 3: simple from there. And with that, let's get to hurdling.

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Speaker 4: Today.

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Speaker 5: I am sitting down with Jamila Suffrant. She is the

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Speaker 5: host of the Journey of the Launch podcast. She's also

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Speaker 5: a certified financial education instructor, a blogger, and a money coach.

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Speaker 1: How you doing today, Hi, Emily, It's so great to

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Speaker 1: be here.

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Speaker 4: I'm so happy to have you so fun.

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Speaker 5: Fact, Jamila and I were both featured in the same

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Speaker 5: Today Show segment, which is how we have arrived here.

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Speaker 2: I know what an awesome connection, which, by the way,

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Speaker 2: I don't know if you knew about it in advance.

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Speaker 1: I didn't.

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Speaker 2: I just saw someone else who was tagged and got

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Speaker 2: profile tag meet and I was like, wait a second,

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Speaker 2: that happened.

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Speaker 1: So that was pretty cool.

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Speaker 4: Oh yeah, No.

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Speaker 5: I was one hundred percent standing in line at a

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Speaker 5: Zara in Soho and all of a sudden my phone

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Speaker 5: started to go crazy and I was like, what's going on?

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Speaker 5: It's like Thursday at god knows what time? And then yeah,

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Speaker 5: same thing. But not a bad way to start off

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Speaker 5: Friday morning. It was Friday Friday.

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Speaker 4: So now we have this in comment.

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Speaker 5: You know what, why don't we kick start here by

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Speaker 5: you telling us a little bit about yourself. Obviously we

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Speaker 5: know that you're good with money, but let's hear a

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Speaker 5: little bit about you aside from what we're going to.

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Speaker 4: Get into today when we get to talk about budgeting.

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Speaker 2: Sure, so I'm Jamia Las we already established, and I'm

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Speaker 2: actually in New York City. Also, I live in Brooklyn,

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Speaker 2: but I was actually born in Jamaica, like not queens,

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Speaker 2: like the island, visit off island in Jamaica. Okay, so

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Speaker 2: you know, I am just someone. It's funny when people say, oh,

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Speaker 2: you're so good with money, and I'm like, you know,

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Speaker 2: I'm okay, Like I don't think it takes extraordinary skill

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Speaker 2: to do what I've been doing in terms of like financially,

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Speaker 2: which is why I wanted to talk more about it,

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Speaker 2: because I felt like more people could access the whole

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Speaker 2: freedom and happiness and the options in their lives if

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Speaker 2: they could get it together. And that's basically what I've

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Speaker 2: been doing for the past few years that I've been doing.

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Speaker 2: Journey to Launch, which is my podcast and my company

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Speaker 2: full time is I quit my corporate job.

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Speaker 1: I had this crazy community from Brooklyn to New Jersey, and.

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Speaker 2: I was making decent money, but I wasn't happy, and

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Speaker 2: I've been starting to have kids and I knew that

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Speaker 2: that wasn't and that couldn't be my life. And the

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Speaker 2: only way that I can think to get out of

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Speaker 2: it was what I need money, Like, how am I

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Speaker 2: gonna support the kids that I want?

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Speaker 1: You know, I have a.

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Speaker 2: Husband, but his income is not like he's rich, so

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Speaker 2: his income is not going to be able to support us.

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Speaker 1: So what do I do?

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Speaker 2: And that's when I started to go down this rabbit

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Speaker 2: hole of Google and say and type in how do

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Speaker 2: I quit my job?

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Speaker 1: How do I retire early? All these things. I didn't

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Speaker 1: really know what they meant, but I was like, how

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Speaker 1: do I get out of this?

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Speaker 2: And I found out about this thing called the financial

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Speaker 2: independence retire Early movement, so the fire movement.

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Speaker 1: That's the academy.

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Speaker 2: And before I never really heard about this thing. And

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Speaker 2: I started to read blog listen to podcasts now in

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Speaker 2: this long commute, and discovered there was this world where

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Speaker 2: people were taking their income from their corporate jobs or

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Speaker 2: regular jobs as teachers, saving, investing, paying off debt, and

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Speaker 2: in a few years, ten fifteen years, they'd be able

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Speaker 2: to quit their job or retire early, travel the world

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Speaker 2: and do what they wanted. And I was hooked once

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Speaker 2: I found out about that, because I said, well, okay,

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Speaker 2: so I don't have to win the lottery. Maybe this

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Speaker 2: will take a longer time, right because you're too save

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Speaker 2: and invest. But there is a way that I don't

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Speaker 2: have to say stuff in this commute, in this job.

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Speaker 2: And that's when I started to plot out how I

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Speaker 2: could one day retire early or quit my corporate job.

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Speaker 2: And I did, you know, It's funny because I have

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Speaker 2: not reached complete financial independence, and we can talk about

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Speaker 2: what that means yet, but I'm well on my way.

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Speaker 2: Because I started to dive into this journey, I started

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Speaker 2: to take the step to get better with my finances,

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Speaker 2: to be more intentional. I was able to put myself

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Speaker 2: in a position to quit that corporate job, to quit

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Speaker 2: that commute, and now I'm making more money than I

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Speaker 2: did in my corporate job. I have three kids now

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Speaker 2: and I live a life of more freedom. So that's

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Speaker 2: like what I'm trying to tell everyone is possible for

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Speaker 2: them if they just start this journey.

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Speaker 5: Okay, so then you've got to tell us about what

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Speaker 5: complete financial independence means.

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Speaker 2: Yes, So, in the technical sense, it means you have

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Speaker 2: all the money saved and invested that you don't have

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Speaker 2: to work actively worked again for income because your portfolio

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Speaker 2: of an investment or passive income gives you money in

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Speaker 2: which you can survive and live, so it pays for

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Speaker 2: your expenses. And I like to say that that is

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Speaker 2: a glorious goal when you think about it, like Wow,

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Speaker 2: I don't have to work ever again.

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Speaker 1: And I have investments that support my lifestyle.

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Speaker 2: It's amazing, right, But I find that while that vision

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Speaker 2: is cool for some people, depending on where they are

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Speaker 2: in their life, they're just like, no way, there's no

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Speaker 2: way based on where I am, with how much that

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Speaker 2: I have or how.

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Speaker 1: Much money I want to spend, that I can reach that.

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Speaker 2: And so I like to break it down a bit

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Speaker 2: in that is the complete definition and it's a big goal,

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Speaker 2: but there are ways that we can break that down

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Speaker 2: to make it more attainable. And which is really important

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Speaker 2: is that we find freedom and more options on our

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Speaker 2: way there, Like we don't have to wait until we

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Speaker 2: have a million dollars invested to enjoy our lives. We

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Speaker 2: can find that balance today by making intentional decisions.

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Speaker 5: Yeah, and I mean I would assume and obviously everybody's different,

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Speaker 5: but I feel as though a lot of people would

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Speaker 5: want to work in some way or find something that

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Speaker 5: they could spend their time doing. It's probable that that

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Speaker 5: thing like brings them income.

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Speaker 4: But just this idea, I don't know.

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Speaker 5: I'm I guess I'm just like projecting how I feel

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Speaker 5: about this, Like I can't imagine not working for the

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Speaker 5: rest of my life just because like I did so

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Speaker 5: well for a little bit of time that I'm like,

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Speaker 5: all set, But to each their own.

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Speaker 1: No, but this is the thing.

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Speaker 2: I think that's an important, valid thing to discuss here,

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Speaker 2: because I know that a lot of people when they

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Speaker 2: first hear it, they're just like, well, I want to work.

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Speaker 2: And the thing is most people want to work. And

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Speaker 2: everyone that I've interviewed on my show who have reached

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Speaker 2: complete financial independence, they're still working, but they're doing something different.

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Speaker 2: They do what they're doing, what they love. It's something

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Speaker 2: like it's a choice. So I like to they don't

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Speaker 2: get stuck on the retired early part. I think it's

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Speaker 2: more important to talk about financial independence in the sense

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Speaker 2: that you have options, you have choices. So let's just

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Speaker 2: say in a few years you want to travel the world,

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Speaker 2: take time off.

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Speaker 1: You don't have to say stuff.

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Speaker 2: In a situation that's not serving you because you have

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Speaker 2: the resources to make a choice that's different.

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Speaker 4: Hey that I mean that sounds amazing to me.

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Speaker 5: And obviously to get this place, we need to talk

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Speaker 5: about budgeting, which is what we're here to talk about now.

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Speaker 5: I think I read in a Forbes article that you

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Speaker 5: went from being able to increase your family's savings rate

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Speaker 5: from fifteen percent to forty four percent, saving over one

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Speaker 5: hundred and sixty thousand dollars in two years.

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Speaker 4: Is this correct?

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Speaker 1: This is correct?

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Speaker 4: Okay, So that's some budgeting work right there.

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Speaker 2: That's budgeting. And I want to say this because I'm

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Speaker 2: just like, I like to be upfront about this. That

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Speaker 2: is a that's a direct correlation to our income, right,

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Speaker 2: So we were not making you know, the minimum wage

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Speaker 2: and doing that. So I always like to say that

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Speaker 2: for people who can't even imagine, like they're just like,

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Speaker 2: come on, But I will say that when we started,

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Speaker 2: my husband and I, so that said both of us together,

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Speaker 2: So I'm to intentionally budget before money was just going.

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Speaker 2: But we intentionally sat down and there was this goal

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Speaker 2: that we were working towards. Then it became easier to

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Speaker 2: prioritize what mattered. And for me, that meant I don't

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Speaker 2: want to be stuck in a set for the next

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Speaker 2: twenty years. So how do we get there? It was

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Speaker 2: about saving and investing, paying off debt, and that's what

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Speaker 2: we did over the next few years to be able

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Speaker 2: to hit that milestone and invest the way we did.

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Speaker 4: Yeah, I mean, I'll be fully transparent.

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Speaker 5: Part of the reason why I have been so interested

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Speaker 5: in having guests on the show that are talking about

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Speaker 5: financial wellness is because budgeting is definitely something that I'm

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Speaker 5: trying to keep top of mind really this year. Since

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Speaker 5: we're still at the beginning of the year, I feel

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Speaker 5: like it's like very much within my wheelhouse before things

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Speaker 5: get out of control, and so having you here to

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Speaker 5: talk about this like just makes me super super excited.

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Speaker 3: And I do feel as though others can relate to that.

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Speaker 3: Right It's like, Okay, we're at the beginning of a year.

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Speaker 5: I may have not like done whatever I needed to

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Speaker 5: do in say to speak, January February ish, but like

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Speaker 5: that's only a little litty bitty part of like the

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Speaker 5: whole twelve months.

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Speaker 1: Here.

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Speaker 2: Listen, wherever you are right now. You can turn this around.

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Speaker 2: You could turn anything around. And I'd like to say this,

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Speaker 2: I don't actually enjoy or like budgeting either. And there's

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Speaker 2: levels to this. There's levels to budgeting. You don't always

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Speaker 2: have to do the every dollar method where everything gets

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Speaker 2: budgeted to a penny, right if you're like you trying

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Speaker 2: to get out of debt and reach some bigger money milestones.

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Speaker 2: It may make sense for you to be that way

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Speaker 2: so that you can usually make sure you know where

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Speaker 2: everything is going and squeeze out each time. But I'm

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Speaker 2: at the point in my financial journey that I don't

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Speaker 2: have to budget every penny. I don't have to reconcile

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Speaker 2: every day, And so it's interesting because as you start

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Speaker 2: to do it, you'll realize it works where you need

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Speaker 2: some more discipline and where you're kind of hurdles are

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Speaker 2: where then you can now make changes. So don't feel

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Speaker 2: bad emily that you don't enjoy it, or if you've

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Speaker 2: started or tried and it hasn't worked out yet. I

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Speaker 2: really think just like running, because I'm like with this

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Speaker 2: is running, like it's an ongoing.

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Speaker 1: Process that I have to come back to each time

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Speaker 1: to get.

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Speaker 5: It done totally totally. So let's start at square one. Then,

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Speaker 5: for some pain one who hasn't been, you know, going

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Speaker 5: back and figuring out where every single dollar has been going.

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Speaker 4: They're totally new to budgeting.

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Speaker 3: Where does someone even begin because my hunch, my hunch

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Speaker 3: is that you start by writing down your recurring expenses.

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Speaker 1: Yeah, that's a that's a big good job. That's a

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Speaker 1: that's a big step. Okay, where do you start?

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Speaker 2: All right, first, I would say, carve out some time

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Speaker 2: to do this on your calendar. So whether you're like,

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Speaker 2: all right, I'm just gonna do it now, but maybe

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Speaker 2: in the future you're like, I'm going to do this,

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Speaker 2: put it in your calendar that you're going to like

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Speaker 2: spend thirty minutes with your money for that day in

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Speaker 2: the future, so that you get it done. But the

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Speaker 2: first step really is tracking. So I like to say

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Speaker 2: this for people who really do is either you're going

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Speaker 2: to look back at the previous month, or you're going

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Speaker 2: to start tracking from day one, which would be today

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Speaker 2: if you're listening to this when you want to get started.

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Speaker 2: And the reason for that is so many people don't

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Speaker 2: understand where their money is going. Like in their head

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Speaker 2: the mental method, I think I only spend three hundred

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Speaker 2: dollars on restaurants, But when they look back at like

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Speaker 2: the previous month or if they're tracking it, they really

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Speaker 2: realizes that, oh, it actually six huntreds because they're not

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Speaker 2: actually adding it up. So you first need to get

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Speaker 2: an accurate idea of what you're spending and what is

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Speaker 2: coming in, So basically, what's coming in, what's going out?

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Speaker 2: What are those numbers, and not what you think it

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Speaker 2: is and not what you want it to be, but

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Speaker 2: what is it? And then from there we can create

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Speaker 2: a plan.

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Speaker 5: Okay, so an accurate idea of what you're already spending.

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Speaker 4: After we have.

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Speaker 5: That established, we've done that, like really scary first step.

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Speaker 4: We've gotten over the first hurdle. Then what happens next.

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Speaker 2: So if you're doing this either way, whether you're looking

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Speaker 2: back and categorizing or going forward in categorizing, you're going

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Speaker 2: to get a list of items. And the thing about

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Speaker 2: it is you have to log into different things, like

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Speaker 2: if you're like me, I have a debit card, have

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Speaker 2: a credit card, there's multiple places that you have to

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Speaker 2: sit down and kind of grab this information from. But

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Speaker 2: if you start writing it down and or using an

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Speaker 2: app or just going into Google sheets, then you can

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Speaker 2: start category and things. So some things are really simple,

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Speaker 2: like if it's rent and mortgage is usually a reoccurring

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Speaker 2: six to expense. And then there are the things like

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Speaker 2: running to the grocery store and or going out with

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Speaker 2: your friends that happen more within the month that you

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Speaker 2: have to add up together. But once you get all

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Speaker 2: those categories together, then you can say, okay, what is

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Speaker 2: my I cannot get this or you know, these are

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Speaker 2: my mandatory things I need to live in this world,

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Speaker 2: so like rent, groceries, light build, and then what are

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Speaker 2: my discretionary fun things that I like doing?

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Speaker 1: Going out to eat with.

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Speaker 2: Friends, manage your eyelash, appointment, whatever that is?

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Speaker 1: Right?

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Speaker 2: You you bucket these things and then you're now able

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Speaker 2: to look at all right, So where's where's my income?

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Speaker 2: Does it cover all of these things? Or am I

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Speaker 2: falling short? And don't forget debt payments or any on

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Speaker 2: your other obligations that you have. And some people multiple

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Speaker 2: realize that I'm actually spending more or have more obligations

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Speaker 2: going out that I have money coming in, and that's

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Speaker 2: when you can begin to consciously make on all right,

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Speaker 2: So what's the game plan? Am I going to cut

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Speaker 2: back on restaurants?

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Speaker 1: Like?

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Speaker 2: Yeah, I love going out to eat, but a thousand

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Speaker 2: dollars a little excessive and I didn't enjoy that restaurant

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Speaker 2: to how about I'm more intentional about how much and

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Speaker 2: put a cap on it, or maybe you say to yourself,

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Speaker 2: you know what I don't want to cut back, I

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Speaker 2: can earn more, and you find ways to earn more.

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Speaker 2: So it's it can be both that you work on

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Speaker 2: income and expenses, but you really got to look at

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Speaker 2: what's that, what are the things you're spending on, what's

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Speaker 2: coming in so you can start making those decisions.

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Speaker 5: Let's, uh, let's take a brief off ramp here to

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Speaker 5: talk about that idea of Okay, I need to earn more.

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Speaker 5: I get questions about this all of the time, and

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Speaker 5: I'm sure that you do too, inquiries about how can

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Speaker 5: I quote unquote find.

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Speaker 4: Or make a side hustle. What do you say when

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Speaker 4: someone comes to you with that kind of question.

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Speaker 1: It's a great question to ask.

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Speaker 2: The fact that someone is asking that, that's like their

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Speaker 2: mind is opening up so that there is more because

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Speaker 2: there is a limit to how much you can cut

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Speaker 2: like there's a you know, a limit to how much

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Speaker 2: you can cut back, but I think how much you

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Speaker 2: can make it's limitless. And I didn't really understand that

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Speaker 2: concept as I got into entrepreneurship and I'm just like, Wow,

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Speaker 2: there's a lot of money out here, and you see

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Speaker 2: how much people can make. So first things first, I

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Speaker 2: know I'm going to talk from my experience and then.

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Speaker 1: Hopefully it inspires someone else.

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Speaker 2: But I followed my Okay, let's first decide what kind

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Speaker 2: of side house do you want, because it could be

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Speaker 2: a simple one time side hustle, like selling things in

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Speaker 2: your house because you have excess things that you don't

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Speaker 2: wear or just clutter you can get rid of and

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Speaker 2: that can give you some quick money wins. Maybe you

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Speaker 2: can fall in love with the process and you start

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Speaker 2: going to your friends and you're like, oh, like I

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Speaker 2: can sell things for you, give your percentage. Or it

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Speaker 2: could be things like I'm actually good at this skill,

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Speaker 2: like I speak another language, I'm good at math, I

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Speaker 2: like doing hair. People always ask me to do those

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Speaker 2: things for them as friends. What if I were to.

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Speaker 1: Offer those services.

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Speaker 2: Or maybe you like kids or animals and you know

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Speaker 2: you can pet sit so you can like almost go

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Speaker 2: to what people ask before what you're drawn to anyway.

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Speaker 2: And then the other thing is I think when it

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Speaker 2: comes to side house folds, that can eventually become a

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Speaker 2: business that's a little bit more involved, because that might

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Speaker 2: a little bit more investment in terms of your time

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Speaker 2: and energy to learn the craft. What it really starts

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Speaker 2: with if you want to pay really simple, what around

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Speaker 2: me can I make a quick money you win from?

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Speaker 2: And the second one is what are people asking me about?

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Speaker 2: What advice are people always coming to me with? Or

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Speaker 2: what do I get complimented on? And can I turn

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Speaker 2: that into a way to supplement my income?

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Speaker 5: Yeah, I think that that tobit starting with asking yourself

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Speaker 5: what is it that I'm passionate about what excites me

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Speaker 5: and not garnering that influence.

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Speaker 4: From what you may see on social media.

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Speaker 5: Like just because I see Jamila and she has a

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Speaker 5: podcast about finance, doesn't mean that like, oh, I should

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Speaker 5: also start a podcast about finance.

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Speaker 4: I I have absolutely no interest in finance.

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Speaker 5: Like, ask yourself and be really intentional and be really

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Speaker 5: honest when you do an audit about the thing that

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Speaker 5: excite you and the things that you may be able

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Speaker 5: to do something.

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Speaker 1: With spot on.

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Speaker 2: I mean, it's interesting because I think the reason why

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Speaker 2: a lot of people in the financial realm talk about

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Speaker 2: expenses first is because it can be a little easier,

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Speaker 2: like to look at your budget if you especially you're

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Speaker 2: spending things in excess and or just unintentionally, that you

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Speaker 2: could probably find like anyone listening, you can probably find

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Speaker 2: a couple hundred dollars of things that they're actually spending

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Speaker 2: things on that they don't care about or it's fine

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Speaker 2: to cut out, and so then that can then be

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Speaker 2: funneled back into a goal that you have, I think,

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Speaker 2: earning money. Not to say that it's easy, but it

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Speaker 2: takes a little bit more effort, and a lot of

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Speaker 2: this also is mindset, you know, it's mindset. It's that

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Speaker 2: inner work that we have to do first. And so

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Speaker 2: when it comes to earning money, there are so many

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Speaker 2: opportunities out there. Even if you have a corporate job, right,

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Speaker 2: Like you could say, you know, I don't want to

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Speaker 2: side hustle and do other things, but okay, how can

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Speaker 2: you then earn money with your current job? Is there

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Speaker 2: a course that you can take? Is there a promotion

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Speaker 2: you need to go for? Do you need to switch

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Speaker 2: to careers or switch Most people when they're earning multiple

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Speaker 2: figures of a inciece of salary, they're moving to another

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Speaker 2: position in another company that pays them more. Right, so,

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Speaker 2: there are multiple ways you can think about earning more money,

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Speaker 2: but it's important to at least know that it's possibly.

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Speaker 3: Taking a break from today's episode to talk to you

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Speaker 3: about my sponsors. First up, AG one from Athletic Greens.

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Speaker 3: Let me tell you, not only is AG one my

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00:20:32,280 --> 00:20:35,920
Speaker 3: everyday nutritional insurance so to speak, with its seventy five

440
00:20:35,960 --> 00:20:41,280
Speaker 3: full food sourced ingredients prebiotics, probiotics, adaptagens, and superfoods, but

441
00:20:41,400 --> 00:20:43,919
Speaker 3: I also feel like when I am traveling, and I

442
00:20:43,920 --> 00:20:47,000
Speaker 3: am on a back to back trip right now from

443
00:20:47,000 --> 00:20:49,800
Speaker 3: Los Angeles to moab Utah, be heading back to New

444
00:20:49,880 --> 00:20:52,840
Speaker 3: York in a couple of days, but there is nothing

445
00:20:52,880 --> 00:20:56,240
Speaker 3: that's more important in my suitcase, next to my sneakers

446
00:20:56,840 --> 00:21:01,320
Speaker 3: than my travel packets of AG one. I start every

447
00:21:01,560 --> 00:21:06,119
Speaker 3: single day with this Greens powder, one simple daily scoop,

448
00:21:06,240 --> 00:21:08,560
Speaker 3: or in the case of the travel packet's one hitty

449
00:21:08,640 --> 00:21:10,120
Speaker 3: bitty packet, and it.

450
00:21:10,240 --> 00:21:13,960
Speaker 4: Just makes me feel my best. It helps me feel.

451
00:21:13,680 --> 00:21:15,879
Speaker 3: Good about the fact that I'm in and out of

452
00:21:15,960 --> 00:21:20,080
Speaker 3: different hotels and rooms and spaces and planes. And sometimes

453
00:21:20,359 --> 00:21:23,240
Speaker 3: in the past that used to mean that no matter

454
00:21:23,320 --> 00:21:26,399
Speaker 3: what I did, no matter how quote unquote save I was,

455
00:21:26,840 --> 00:21:29,520
Speaker 3: I would end up feeling not my best the second

456
00:21:29,560 --> 00:21:30,320
Speaker 3: I got back home.

457
00:21:30,400 --> 00:21:31,640
Speaker 4: Well, no longer.

458
00:21:31,920 --> 00:21:34,560
Speaker 3: Now that AG one is a part of my regular routine,

459
00:21:34,840 --> 00:21:37,840
Speaker 3: I feel like now that I start my days with

460
00:21:37,960 --> 00:21:40,600
Speaker 3: this Greens powder, I am doing the right thing for

461
00:21:40,680 --> 00:21:41,199
Speaker 3: my body.

462
00:21:41,240 --> 00:21:44,800
Speaker 4: It is my immunity insurance and plus not gonna lie.

463
00:21:44,840 --> 00:21:48,080
Speaker 3: It helps me feel good about my skin even when

464
00:21:48,119 --> 00:21:50,000
Speaker 3: I'm on the move, which trust me, in the past,

465
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Speaker 3: I don't even want to get into it. It hasn't

466
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Speaker 3: always been the best dryness, redness bumps.

467
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Speaker 4: You get the deal ag one. I'm telling you it's

468
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469
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Speaker 3: To feeling good in my body, nutritional, immunity, all of

470
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471
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472
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474
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476
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477
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478
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480
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481
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482
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Speaker 3: a series of runs through Moab, which is a desert,

483
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Speaker 3: which means that I need to really be thinking about

484
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486
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492
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Speaker 4: I also brought.

493
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Speaker 3: Some citrus packets on this trip in particular, but you

494
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495
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496
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497
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498
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500
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502
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503
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505
00:24:04,119 --> 00:24:14,919
Speaker 3: Today you said the word mindset, which then makes me

506
00:24:14,960 --> 00:24:18,399
Speaker 3: think about feelings with money hand in hand, a lot

507
00:24:19,080 --> 00:24:22,120
Speaker 3: of feelings, especially when it comes to getting honest about

508
00:24:22,119 --> 00:24:24,719
Speaker 3: where your money is going. It was interesting how you

509
00:24:24,800 --> 00:24:27,359
Speaker 3: just said you're probably spending money on things and you

510
00:24:27,400 --> 00:24:30,760
Speaker 3: don't even realize you don't even particularly care about them.

511
00:24:31,000 --> 00:24:34,600
Speaker 3: Let's talk a little bit about money and feelings and.

512
00:24:34,920 --> 00:24:39,480
Speaker 5: How does someone deal with the anxieties perhaps that go

513
00:24:39,600 --> 00:24:42,639
Speaker 5: hand in hand with getting really honest about where your

514
00:24:42,680 --> 00:24:43,280
Speaker 5: money's going.

515
00:24:43,720 --> 00:24:45,360
Speaker 1: It's so hard. I mean, we all have them.

516
00:24:45,359 --> 00:24:48,720
Speaker 2: I still have these feelings about money and these ideas,

517
00:24:48,840 --> 00:24:51,720
Speaker 2: and some of it is culturally, Like you know, it

518
00:24:51,760 --> 00:24:54,720
Speaker 2: depends on how you were raised, the environment you were

519
00:24:54,800 --> 00:24:57,040
Speaker 2: raised in, how your parents talk about money or did

520
00:24:57,040 --> 00:24:59,560
Speaker 2: it talk about money, the culture in which you live,

521
00:25:00,080 --> 00:25:02,640
Speaker 2: the communities in which you live. All that impacts how

522
00:25:02,720 --> 00:25:05,199
Speaker 2: you feel about money. So I think the first thing

523
00:25:05,320 --> 00:25:07,080
Speaker 2: to do is like to feel guilty about how you

524
00:25:07,119 --> 00:25:10,080
Speaker 2: feel about it, because we all have our feelings towards it,

525
00:25:10,480 --> 00:25:12,680
Speaker 2: and I know a lot of people who are supposed

526
00:25:12,800 --> 00:25:15,239
Speaker 2: experts in this space, and they're still struggling with their

527
00:25:15,280 --> 00:25:18,320
Speaker 2: feelings as I am too, So it's totally normal one,

528
00:25:18,440 --> 00:25:21,119
Speaker 2: so let that go if there's shame around that, And

529
00:25:21,160 --> 00:25:23,000
Speaker 2: then the second thing it's to do is to really

530
00:25:23,040 --> 00:25:26,520
Speaker 2: figure out what are my real feelings and thoughts like

531
00:25:26,680 --> 00:25:29,960
Speaker 2: and are these things really holding me back? So, for example,

532
00:25:30,040 --> 00:25:31,520
Speaker 2: you may say you want to make a lot of

533
00:25:31,560 --> 00:25:34,760
Speaker 2: money and they want to be wealthy, but really, deep

534
00:25:34,800 --> 00:25:37,880
Speaker 2: down you think people who have money are not great

535
00:25:37,880 --> 00:25:40,560
Speaker 2: people or the way they got that wasn't that nice.

536
00:25:40,800 --> 00:25:43,679
Speaker 2: And so you are almost sabotaging yourself without knowing it

537
00:25:43,720 --> 00:25:45,520
Speaker 2: because you don't want to be one of those people.

538
00:25:46,280 --> 00:25:48,600
Speaker 2: And until you are real with yourself and you kind

539
00:25:48,640 --> 00:25:51,560
Speaker 2: of peel off those layers, then you can begin to

540
00:25:51,600 --> 00:25:53,520
Speaker 2: see like, oh wait, that's my real thoughts and you

541
00:25:53,600 --> 00:25:54,960
Speaker 2: have to feel bad about it, but you're like, oh,

542
00:25:54,960 --> 00:25:57,160
Speaker 2: that's why that didn't work. Or even when you're thinking

543
00:25:57,160 --> 00:26:00,639
Speaker 2: about not advocating for yourself, well, I think most people

544
00:26:01,280 --> 00:26:05,240
Speaker 2: you know who don't negotiate salaries, especially for women, or

545
00:26:05,280 --> 00:26:08,280
Speaker 2: who don't speak up, what's holding them back is really

546
00:26:08,320 --> 00:26:10,560
Speaker 2: a fear of judgment and all these little things that

547
00:26:11,200 --> 00:26:14,160
Speaker 2: it doesn't seem related to money. But if you can

548
00:26:14,400 --> 00:26:18,240
Speaker 2: overcome those things, you can make more. Because if you're

549
00:26:18,240 --> 00:26:21,800
Speaker 2: not as afraid of judgment or you work through those fears,

550
00:26:22,280 --> 00:26:25,520
Speaker 2: then you can't start a business, put yourself online and

551
00:26:25,600 --> 00:26:28,040
Speaker 2: start talking about your stuff on social media because you're like,

552
00:26:28,040 --> 00:26:29,840
Speaker 2: all right, I don't care if someone is judging me.

553
00:26:30,359 --> 00:26:32,600
Speaker 2: Or you can go to your boss and say what

554
00:26:32,680 --> 00:26:34,720
Speaker 2: you need to say so that you can get a raise.

555
00:26:35,080 --> 00:26:36,960
Speaker 1: But if you have all these internal feelings.

556
00:26:36,640 --> 00:26:40,840
Speaker 2: About not wanting to upset someone or feeling judged, all

557
00:26:40,880 --> 00:26:44,520
Speaker 2: that blocks the money coming to you or potential money

558
00:26:44,520 --> 00:26:44,959
Speaker 2: coming to you.

559
00:26:45,880 --> 00:26:49,600
Speaker 5: Yeah, for sure, there's so much emotion and spending. I

560
00:26:50,160 --> 00:26:54,440
Speaker 5: just it's interesting to me, especially when we talk about,

561
00:26:54,720 --> 00:26:58,280
Speaker 5: you know, more earning, potential, making more money, really trying

562
00:26:58,320 --> 00:27:00,920
Speaker 5: to figure out how to how to kind of level

563
00:27:01,000 --> 00:27:04,400
Speaker 5: up in this sense that when you have new funds

564
00:27:04,440 --> 00:27:08,040
Speaker 5: available to you, then it's a world of opportunity of

565
00:27:08,080 --> 00:27:10,280
Speaker 5: what it is that you want to do with them.

566
00:27:10,320 --> 00:27:12,600
Speaker 4: So let's talk a little bit about that.

567
00:27:12,800 --> 00:27:16,080
Speaker 5: Right, say you've made your budget, you're following it pretty well,

568
00:27:16,480 --> 00:27:18,879
Speaker 5: maybe you've implemented some of the tips and tricks that

569
00:27:18,960 --> 00:27:22,679
Speaker 5: you suggested to hop into a side hustle of sorts,

570
00:27:22,920 --> 00:27:27,239
Speaker 5: and now your earnings as appropriately have increased. What do

571
00:27:27,280 --> 00:27:30,480
Speaker 5: you advise people to do when it comes to getting

572
00:27:30,560 --> 00:27:33,359
Speaker 5: to that next place where you have these additional funds,

573
00:27:33,440 --> 00:27:37,080
Speaker 5: because it's really really tempting to just kind of go

574
00:27:37,320 --> 00:27:38,960
Speaker 5: back to not budgeting.

575
00:27:38,440 --> 00:27:40,679
Speaker 4: Because life just feels easier at this point.

576
00:27:40,800 --> 00:27:43,919
Speaker 2: Yeah, yeah, that's listen. It's important to have a vision

577
00:27:44,040 --> 00:27:45,879
Speaker 2: about what you want your life to be. Like I

578
00:27:45,960 --> 00:27:48,080
Speaker 2: like to work backwards in terms of what do I

579
00:27:48,080 --> 00:27:50,760
Speaker 2: want for my life and lifestyle, and some goals are

580
00:27:50,760 --> 00:27:53,040
Speaker 2: more immediate life This year, I want to take vacations

581
00:27:53,040 --> 00:27:56,120
Speaker 2: with my family, maybe the next five years. This other

582
00:27:56,160 --> 00:27:57,919
Speaker 2: thing I want to do and I still have my

583
00:27:58,000 --> 00:28:00,320
Speaker 2: eye on I want to be able to be nature

584
00:28:00,359 --> 00:28:02,439
Speaker 2: independent because what if I don't want to do this

585
00:28:02,480 --> 00:28:03,720
Speaker 2: anymore in a few years. I don't want to be

586
00:28:03,720 --> 00:28:06,280
Speaker 2: stuck to that. So I think everyone should be working

587
00:28:06,320 --> 00:28:09,520
Speaker 2: from understanding what they want out of life. So, for example,

588
00:28:10,119 --> 00:28:12,920
Speaker 2: if you know that you have goals like they'll be

589
00:28:13,000 --> 00:28:16,960
Speaker 2: buying a house and or retiring at some point because

590
00:28:16,960 --> 00:28:19,080
Speaker 2: you don't want to work until you know have to

591
00:28:19,119 --> 00:28:22,920
Speaker 2: work until you know you can't anymore. Then how can

592
00:28:22,960 --> 00:28:25,080
Speaker 2: we work backwards to reach those goals? And I think

593
00:28:25,160 --> 00:28:26,960
Speaker 2: when you do that and you have a budget and

594
00:28:27,000 --> 00:28:29,159
Speaker 2: you're hopefully trying to stick to this budget even when

595
00:28:29,200 --> 00:28:31,480
Speaker 2: more money is coming in, you know that, Well, my

596
00:28:31,560 --> 00:28:32,760
Speaker 2: priority is paying off this debt.

597
00:28:32,800 --> 00:28:33,720
Speaker 1: I have that as my goal.

598
00:28:34,040 --> 00:28:36,399
Speaker 2: So extra money comes in, part of that is going

599
00:28:36,440 --> 00:28:38,680
Speaker 2: to go to pay off debt. Maybe one of your parties,

600
00:28:38,720 --> 00:28:41,680
Speaker 2: like I just mentioned, was going on vacation. So how

601
00:28:41,760 --> 00:28:43,520
Speaker 2: much this is a vacation that I'm going to budget

602
00:28:43,560 --> 00:28:45,200
Speaker 2: for this year? And how can I then that extra

603
00:28:45,280 --> 00:28:46,959
Speaker 2: money coming in, how much will go to that?

604
00:28:47,320 --> 00:28:48,880
Speaker 1: So once you have the goals.

605
00:28:48,560 --> 00:28:52,880
Speaker 2: And the number with that goal, you can start allocating

606
00:28:53,240 --> 00:28:55,960
Speaker 2: that money that's coming in to that because you're right,

607
00:28:56,000 --> 00:28:57,520
Speaker 2: like if you kind of just like see the money

608
00:28:57,560 --> 00:28:59,640
Speaker 2: coming in, but there's like no vision on where you

609
00:28:59,680 --> 00:29:02,320
Speaker 2: want your life to be. Before you know it, you

610
00:29:02,320 --> 00:29:04,360
Speaker 2: could be spending it on things that really don't matter

611
00:29:04,520 --> 00:29:07,400
Speaker 2: or are not as important as you said they were

612
00:29:07,560 --> 00:29:09,160
Speaker 2: when you're looking at your lifestyle.

613
00:29:10,000 --> 00:29:13,760
Speaker 5: Yeah, that idea of working backward is actually really really helpful,

614
00:29:13,800 --> 00:29:17,080
Speaker 5: and I like the thing that happens. I don't know

615
00:29:17,160 --> 00:29:20,760
Speaker 5: if you experienced this, but for me when I started

616
00:29:20,840 --> 00:29:25,400
Speaker 5: being my own boss and getting tons of different income

617
00:29:25,440 --> 00:29:27,760
Speaker 5: streams from a lot of different vendors and companies that

618
00:29:27,800 --> 00:29:30,440
Speaker 5: I was working with. It was almost as if having

619
00:29:30,440 --> 00:29:32,880
Speaker 5: to put a certain percentage of every check that came

620
00:29:32,920 --> 00:29:35,320
Speaker 5: in into a separate bank account, knowing that that money

621
00:29:35,360 --> 00:29:37,080
Speaker 5: would have to go back to the government, was a

622
00:29:37,120 --> 00:29:40,160
Speaker 5: really good lesson in teaching me how to separate and

623
00:29:40,240 --> 00:29:44,840
Speaker 5: put different chunks of money in different places. For someone

624
00:29:44,920 --> 00:29:48,440
Speaker 5: that maybe isn't a contractor why don't we talk about

625
00:29:48,480 --> 00:29:51,360
Speaker 5: what the benefits of doing something like that could be,

626
00:29:51,600 --> 00:29:54,840
Speaker 5: Like does someone need I don't know, eight bank accounts,

627
00:29:54,960 --> 00:29:57,240
Speaker 5: or is there a better way to think about how

628
00:29:57,280 --> 00:29:58,120
Speaker 5: to split up your money?

629
00:29:58,240 --> 00:30:00,520
Speaker 1: Yeah, so are you talking from a business perspective or left?

630
00:30:00,800 --> 00:30:02,880
Speaker 3: I'm just talking about I mean, like for me getting

631
00:30:02,920 --> 00:30:04,880
Speaker 3: all of these I mean now I'm in like prime

632
00:30:04,920 --> 00:30:06,960
Speaker 3: tax season, so I'm thinking in ten ninety nine's.

633
00:30:07,000 --> 00:30:09,560
Speaker 4: But for me getting so many different checks in.

634
00:30:09,560 --> 00:30:13,520
Speaker 5: All the time, I am automatically putting some of the money,

635
00:30:13,640 --> 00:30:16,400
Speaker 5: some of my money into a separate account because I

636
00:30:16,480 --> 00:30:17,680
Speaker 5: know that I'm going to have to give that money

637
00:30:17,720 --> 00:30:20,240
Speaker 5: back to the government. But I feel like that approach

638
00:30:20,360 --> 00:30:22,920
Speaker 5: can also be like a way do you think about

639
00:30:23,240 --> 00:30:25,360
Speaker 5: the way that you need to divide up your finances

640
00:30:25,360 --> 00:30:25,680
Speaker 5: from a.

641
00:30:25,600 --> 00:30:28,040
Speaker 4: Budgeting pov right, So like maybe it's.

642
00:30:28,000 --> 00:30:30,760
Speaker 5: Like I want to put this much money into the

643
00:30:30,760 --> 00:30:32,840
Speaker 5: make account that pays for my rent and my utilities,

644
00:30:32,880 --> 00:30:35,360
Speaker 5: and this part of my money into this account that's

645
00:30:35,400 --> 00:30:37,880
Speaker 5: for whatever and whatever, and I don't know, I can't

646
00:30:37,880 --> 00:30:38,200
Speaker 5: see a.

647
00:30:38,160 --> 00:30:39,800
Speaker 1: Lot of sense. No, that makes sense.

648
00:30:39,840 --> 00:30:41,360
Speaker 2: So Okay, here's what I would do in terms of

649
00:30:41,360 --> 00:30:42,760
Speaker 2: personal finance, and then I do want to such a

650
00:30:42,800 --> 00:30:46,200
Speaker 2: little bit on the business side. But yeah, personally I

651
00:30:46,240 --> 00:30:48,720
Speaker 2: think so, you know, we talk about budgeting and figure

652
00:30:48,720 --> 00:30:52,880
Speaker 2: out what your cash flow is, what's going out how

653
00:30:52,960 --> 00:30:54,600
Speaker 2: So people usually ask me how were you able to

654
00:30:54,640 --> 00:30:57,560
Speaker 2: save and invest all that money back then? And I say,

655
00:30:57,600 --> 00:31:01,720
Speaker 2: I made that part of the mandatory expense line item

656
00:31:01,760 --> 00:31:03,800
Speaker 2: for myself. So just like the mortgage had to be paid,

657
00:31:04,200 --> 00:31:06,120
Speaker 2: we had to invest and save this much. So I

658
00:31:06,200 --> 00:31:09,080
Speaker 2: prioritize it over some of the other fun things in

659
00:31:09,120 --> 00:31:13,040
Speaker 2: that moment because I knew how important and why that

660
00:31:13,080 --> 00:31:16,520
Speaker 2: needed to get done. So I'd say for anyone, making

661
00:31:16,600 --> 00:31:19,200
Speaker 2: things automatic is key. So you know, you talk about

662
00:31:19,240 --> 00:31:21,960
Speaker 2: transferring things over if you manually have to do things

663
00:31:21,960 --> 00:31:24,400
Speaker 2: like I know me, like I forget, I push it off,

664
00:31:24,400 --> 00:31:26,120
Speaker 2: I don't do it. But if I set a savings

665
00:31:26,160 --> 00:31:29,720
Speaker 2: goal or an investing goal of a certain amount, I'm

666
00:31:29,760 --> 00:31:33,520
Speaker 2: automatically transfer ring that savings amount to a separate savings account,

667
00:31:33,600 --> 00:31:35,960
Speaker 2: not my checking account, because I don't want to be

668
00:31:36,000 --> 00:31:38,960
Speaker 2: tempted or have that money mingled with money that's going

669
00:31:38,960 --> 00:31:41,040
Speaker 2: in and out of my account every day. And if

670
00:31:41,080 --> 00:31:44,080
Speaker 2: I have an investing goal, I'm automatically transferring that money

671
00:31:44,400 --> 00:31:47,840
Speaker 2: to that investment account. So I'm making that automatic, and

672
00:31:48,240 --> 00:31:50,200
Speaker 2: you can start small. It doesn't have to be like

673
00:31:50,280 --> 00:31:52,320
Speaker 2: a lot of money at first. It literally is just

674
00:31:52,360 --> 00:31:54,760
Speaker 2: you're starting small. You can increase it as you go.

675
00:31:55,280 --> 00:31:57,960
Speaker 2: But yes, you're right, some things, especially you're saving and

676
00:31:58,000 --> 00:32:00,000
Speaker 2: investing goals, those should be separate. You should try to

677
00:32:00,120 --> 00:32:03,840
Speaker 2: make those automatic. And then when it comes to business. Now,

678
00:32:03,960 --> 00:32:07,160
Speaker 2: I love this because it's very similar in terms of

679
00:32:07,200 --> 00:32:10,440
Speaker 2: separating your money, Like I know a lot of entrepreneurs

680
00:32:10,480 --> 00:32:13,880
Speaker 2: or people who want to become entrepreneurs, and you have

681
00:32:14,040 --> 00:32:16,280
Speaker 2: to be also on top of your money when it

682
00:32:16,320 --> 00:32:18,320
Speaker 2: comes to separating it out. Like every doll that it

683
00:32:18,360 --> 00:32:20,880
Speaker 2: comes in from my business, thirty percent goes into my

684
00:32:20,920 --> 00:32:23,840
Speaker 2: tax account to save and usually I don't have to

685
00:32:23,880 --> 00:32:27,600
Speaker 2: pay all that back because I'm strategizing with my account

686
00:32:27,600 --> 00:32:30,800
Speaker 2: on how to save money. But I'm preparing for that,

687
00:32:31,040 --> 00:32:33,440
Speaker 2: and so it's similar to kind of what most people

688
00:32:33,480 --> 00:32:35,560
Speaker 2: are going through, but some people don't do Actually an

689
00:32:35,560 --> 00:32:37,600
Speaker 2: impact time coming around they owe a lot of money,

690
00:32:37,960 --> 00:32:39,080
Speaker 2: is that you have to think ahead.

691
00:32:40,040 --> 00:32:40,960
Speaker 4: Yeah, oh my god.

692
00:32:41,000 --> 00:32:43,200
Speaker 5: I remember when I first really started getting into this

693
00:32:43,360 --> 00:32:48,280
Speaker 5: entrepreneurship lifestyle. I would talk to other women specifically that

694
00:32:49,000 --> 00:32:51,720
Speaker 5: did that that would just wait until April, and they were.

695
00:32:51,600 --> 00:32:53,360
Speaker 4: Like, well, like, we're just going to figure it out.

696
00:32:53,400 --> 00:32:56,200
Speaker 5: And the anxiety that I had deep in my chest

697
00:32:56,280 --> 00:32:59,480
Speaker 5: thinking about just figuring out giving the government like a

698
00:32:59,560 --> 00:33:01,920
Speaker 5: chunk of money, I was like, I could I could not.

699
00:33:02,320 --> 00:33:03,080
Speaker 4: I could not do this.

700
00:33:03,520 --> 00:33:04,720
Speaker 1: Yeah yeah, which is why.

701
00:33:05,000 --> 00:33:07,040
Speaker 2: So it's like creating a budget for your business and

702
00:33:07,040 --> 00:33:09,440
Speaker 2: then personally creating a budget for yourself. So my my

703
00:33:09,480 --> 00:33:12,320
Speaker 2: personal accounts are separate from my business accounts, right, I

704
00:33:12,400 --> 00:33:14,680
Speaker 2: was like completely separate. I had to open up like

705
00:33:14,960 --> 00:33:17,320
Speaker 2: a separate accounts. That way, nothing was commingled. I knew

706
00:33:17,360 --> 00:33:20,280
Speaker 2: exactly what I was praying myself versus what stayed in

707
00:33:20,320 --> 00:33:22,880
Speaker 2: the business and what stayed for taxes. But I do

708
00:33:22,960 --> 00:33:24,760
Speaker 2: want to go back a little bit to the personal

709
00:33:24,800 --> 00:33:27,120
Speaker 2: things because I think for most people they.

710
00:33:27,080 --> 00:33:29,560
Speaker 1: Get hung up, especially if you're not into this.

711
00:33:29,680 --> 00:33:31,600
Speaker 2: Is like the first time you try to get into it,

712
00:33:31,640 --> 00:33:34,240
Speaker 2: is that it's not going to seem easy or straightforward.

713
00:33:34,320 --> 00:33:36,160
Speaker 2: It's like the mechanics of it, it sounds good if

714
00:33:36,200 --> 00:33:38,280
Speaker 2: you're hearing me say this, but then it's like you

715
00:33:38,280 --> 00:33:40,280
Speaker 2: you know, you turn off podcasts and then you're like

716
00:33:40,320 --> 00:33:42,000
Speaker 2: back in your life and you're like, all right, now,

717
00:33:42,040 --> 00:33:43,960
Speaker 2: what like what account?

718
00:33:43,960 --> 00:33:46,560
Speaker 1: Where do I go? And So I think I think

719
00:33:46,600 --> 00:33:47,480
Speaker 1: it's important.

720
00:33:47,120 --> 00:33:49,920
Speaker 2: To acknowledge that that sometimes it's in the week that

721
00:33:49,960 --> 00:33:52,640
Speaker 2: people get lost in this because there are a lot

722
00:33:52,640 --> 00:33:55,280
Speaker 2: of options and a lot of like little savings accounts

723
00:33:55,280 --> 00:33:56,200
Speaker 2: and apps you can use.

724
00:33:56,240 --> 00:33:57,640
Speaker 1: So what's like which one do I go with?

725
00:33:57,920 --> 00:34:03,160
Speaker 2: But I say start simple, like do you have emergency fund?

726
00:34:03,760 --> 00:34:07,200
Speaker 2: You have something where it's if something happens to your

727
00:34:07,240 --> 00:34:09,719
Speaker 2: income or to you, you can reach bast and pull

728
00:34:09,760 --> 00:34:11,839
Speaker 2: that money out so that you're not going into dead

729
00:34:12,239 --> 00:34:13,200
Speaker 2: like that is number one?

730
00:34:13,280 --> 00:34:17,799
Speaker 5: Okay, yeah, for that number one, how much money would

731
00:34:17,840 --> 00:34:21,640
Speaker 5: you recommend someone should keep in their emergency rainy day fund?

732
00:34:23,200 --> 00:34:27,000
Speaker 2: This is going to differ for people. Like, if you

733
00:34:27,040 --> 00:34:30,160
Speaker 2: want like quick just in case of like little you know,

734
00:34:30,160 --> 00:34:33,040
Speaker 2: car emergencies that happen, you can take fifteen hundreds to

735
00:34:33,080 --> 00:34:33,600
Speaker 2: two thousand.

736
00:34:34,160 --> 00:34:35,280
Speaker 1: That's a starting one.

737
00:34:35,560 --> 00:34:39,319
Speaker 2: But a full funded emergency fund should probably be about.

738
00:34:39,040 --> 00:34:42,239
Speaker 1: Six months of your expenses, which will take some time.

739
00:34:42,440 --> 00:34:43,200
Speaker 4: I've heard before.

740
00:34:43,280 --> 00:34:45,319
Speaker 2: Yeah, so that's going to take some time, right to

741
00:34:45,360 --> 00:34:48,359
Speaker 2: get to, depending on how your expenses, But it's worth

742
00:34:48,400 --> 00:34:50,440
Speaker 2: it to have and to work towards, even if it

743
00:34:50,480 --> 00:34:53,879
Speaker 2: takes you a couple of years, because if something does

744
00:34:53,920 --> 00:34:55,960
Speaker 2: happen to your income, you want to know that you

745
00:34:56,000 --> 00:35:00,000
Speaker 2: do have something like a cushion to help you.

746
00:35:00,320 --> 00:35:03,120
Speaker 5: Okay, okay, and then you know it's interesting, right because

747
00:35:03,239 --> 00:35:05,200
Speaker 5: the thing about a budget is that you can cater

748
00:35:05,320 --> 00:35:10,760
Speaker 5: it to, you know, whatever your personal needs or priorities are. Right,

749
00:35:10,840 --> 00:35:13,600
Speaker 5: But we hear so often like you should only be

750
00:35:13,680 --> 00:35:16,279
Speaker 5: spending x amount percent of what you make on where

751
00:35:16,280 --> 00:35:19,239
Speaker 5: you live versus like x amount of percent of what

752
00:35:19,320 --> 00:35:20,759
Speaker 5: you make on your groceries.

753
00:35:20,840 --> 00:35:24,320
Speaker 4: Like who really is to designate those numbers?

754
00:35:24,400 --> 00:35:24,640
Speaker 5: Right?

755
00:35:24,920 --> 00:35:25,120
Speaker 1: Yeah?

756
00:35:25,160 --> 00:35:26,759
Speaker 2: You know, I think those are rules of thumb for

757
00:35:26,760 --> 00:35:30,200
Speaker 2: people who like following rules. I actually don't like following

758
00:35:30,440 --> 00:35:32,279
Speaker 2: other people's ideas of what my life should look like.

759
00:35:32,719 --> 00:35:35,600
Speaker 2: And I think again it depends on your priority. If

760
00:35:35,600 --> 00:35:37,320
Speaker 2: you live in New York City or a high cost

761
00:35:37,320 --> 00:35:40,440
Speaker 2: of living area, sometimes that living calculation is not going

762
00:35:40,480 --> 00:35:43,319
Speaker 2: to work out depending on where you live, right or

763
00:35:43,880 --> 00:35:46,080
Speaker 2: depending on what you enjoy doing. Someone can say, what,

764
00:35:46,080 --> 00:35:49,160
Speaker 2: you shown't spend this amount on vacation. If you if

765
00:35:49,200 --> 00:35:52,400
Speaker 2: you prioritize vacations, then you may be willing to spend

766
00:35:52,480 --> 00:35:55,640
Speaker 2: more in that side of your life and on that

767
00:35:55,680 --> 00:35:59,200
Speaker 2: part of the spreadsheet versus maybe closes right like, and

768
00:35:59,280 --> 00:36:01,640
Speaker 2: so I think it's important to like see the rules

769
00:36:01,640 --> 00:36:03,399
Speaker 2: and like look at them and see if they work

770
00:36:03,440 --> 00:36:06,280
Speaker 2: for you and provide some sort of comfort. Some people

771
00:36:06,320 --> 00:36:09,560
Speaker 2: like guidelines, but it's okay to deviate. It's okay, like

772
00:36:09,640 --> 00:36:13,040
Speaker 2: depending on where you are to make changes. And I

773
00:36:13,040 --> 00:36:16,800
Speaker 2: also feel like I think people should enjoy their lives

774
00:36:16,920 --> 00:36:19,160
Speaker 2: and their money, but I also think you should be

775
00:36:19,160 --> 00:36:22,319
Speaker 2: realistic about where you are. And it's not that you

776
00:36:22,360 --> 00:36:24,719
Speaker 2: can't have all the things and you don't deserve all

777
00:36:24,760 --> 00:36:27,560
Speaker 2: the things, but you do have to prioritize and you

778
00:36:27,600 --> 00:36:30,360
Speaker 2: can't have all the things at the same time right now,

779
00:36:30,880 --> 00:36:33,200
Speaker 2: And so really sitting down and figuring that out would

780
00:36:33,200 --> 00:36:35,560
Speaker 2: then allow you to say, right, do I really is

781
00:36:35,600 --> 00:36:37,799
Speaker 2: it more about living in the city and I have

782
00:36:37,880 --> 00:36:39,560
Speaker 2: to spend more money to live here and it's worth

783
00:36:39,560 --> 00:36:39,920
Speaker 2: it to me?

784
00:36:40,280 --> 00:36:41,319
Speaker 1: What is a trade off on that?

785
00:36:41,680 --> 00:36:43,280
Speaker 2: And what do I have to adjust to my budget

786
00:36:43,320 --> 00:36:45,960
Speaker 2: to make that happen versus Oh well maybe I can

787
00:36:46,040 --> 00:36:49,600
Speaker 2: move outside of the city, said less and do something different. Right, Right,

788
00:36:49,680 --> 00:36:53,840
Speaker 2: So what does your life look like and what concessions

789
00:36:53,880 --> 00:36:55,799
Speaker 2: do you make in the short term so that you

790
00:36:55,840 --> 00:36:57,480
Speaker 2: can have long term benefits?

791
00:36:57,920 --> 00:37:00,480
Speaker 4: Yeah, that's a really good way to think about it.

792
00:37:00,520 --> 00:37:03,359
Speaker 5: Okay, what else, if anything have we not covered yet

793
00:37:03,400 --> 00:37:06,280
Speaker 5: when it comes to executing on a budget?

794
00:37:06,640 --> 00:37:09,520
Speaker 2: Right, So, scheduling was important. I said that at the

795
00:37:09,560 --> 00:37:11,680
Speaker 2: top of it. But once you start, because what's going

796
00:37:11,719 --> 00:37:13,520
Speaker 2: to happen is it can get overwhelming if you don't

797
00:37:13,560 --> 00:37:16,399
Speaker 2: do this at all or to your first time, and

798
00:37:16,440 --> 00:37:18,759
Speaker 2: then you may feel like, oh, I did it when

799
00:37:18,800 --> 00:37:20,200
Speaker 2: you just started, and then you don't go back to

800
00:37:20,280 --> 00:37:22,920
Speaker 2: it for months or weeks, and then that just it's

801
00:37:23,000 --> 00:37:26,040
Speaker 2: kind of like you need to keep going. So it's

802
00:37:26,040 --> 00:37:28,960
Speaker 2: like put reoccurring time on your calendar to check in

803
00:37:29,400 --> 00:37:31,719
Speaker 2: until you get a budget together, or at least a

804
00:37:31,760 --> 00:37:32,760
Speaker 2: spending plan together.

805
00:37:32,760 --> 00:37:34,279
Speaker 1: If you don't like the word budget, don't call it that.

806
00:37:34,400 --> 00:37:35,880
Speaker 1: Call it call it a freedom.

807
00:37:35,520 --> 00:37:38,200
Speaker 2: Plan, call it a you know, a guideline, make up

808
00:37:38,239 --> 00:37:41,120
Speaker 2: another word for it. But setting some time aside to

809
00:37:41,160 --> 00:37:44,239
Speaker 2: do that is see figuring out what's going in and

810
00:37:44,280 --> 00:37:46,080
Speaker 2: out and writing it down as key. And here's the

811
00:37:46,120 --> 00:37:48,480
Speaker 2: other thing that people get confused about who are not

812
00:37:48,880 --> 00:37:52,239
Speaker 2: always into budgeting is that when you have what you

813
00:37:52,400 --> 00:37:56,360
Speaker 2: spent at what you've typically spent, the idea is to

814
00:37:56,400 --> 00:37:59,200
Speaker 2: create a budget you can follow going forward, because the

815
00:37:59,239 --> 00:38:01,600
Speaker 2: budget is supposed to keep you accountable, keep you honest.

816
00:38:02,239 --> 00:38:04,719
Speaker 2: So let's just say, you know, we're coming into the

817
00:38:04,800 --> 00:38:07,640
Speaker 2: top of the month, it's March. When you have a

818
00:38:07,680 --> 00:38:10,319
Speaker 2: complete budget, and this is you're saying, I bring in

819
00:38:10,360 --> 00:38:13,560
Speaker 2: four thousand a month. Here's where that money's gonna go.

820
00:38:14,000 --> 00:38:17,759
Speaker 2: You know's two hundred to that emergency savings account, like

821
00:38:18,160 --> 00:38:22,759
Speaker 2: two hundred to investings, everything else to life. When you

822
00:38:22,920 --> 00:38:25,160
Speaker 2: put those numbers in, now it's your duty or your

823
00:38:25,239 --> 00:38:27,719
Speaker 2: job to go back in as much progresses to see

824
00:38:27,719 --> 00:38:30,480
Speaker 2: how you're doing towards those goals. Now, if you set

825
00:38:30,480 --> 00:38:32,680
Speaker 2: things that's automatic or you're saving and investing goals, or

826
00:38:32,680 --> 00:38:34,640
Speaker 2: you're paying off debts, then you know those are taken

827
00:38:34,680 --> 00:38:37,520
Speaker 2: care of. But some other stuff like restaurants. For me,

828
00:38:37,560 --> 00:38:39,840
Speaker 2: at least, I got to check in to say, oh,

829
00:38:40,280 --> 00:38:42,279
Speaker 2: it's mid month. I said I was going to spend

830
00:38:42,280 --> 00:38:47,120
Speaker 2: three hundred, I've already spent too fifty, which now can

831
00:38:47,120 --> 00:38:49,799
Speaker 2: help inform me how I should spend the money for

832
00:38:49,840 --> 00:38:51,800
Speaker 2: the rest of the month, or you know what someone's

833
00:38:51,840 --> 00:38:53,640
Speaker 2: birthday's coming up, and actually feel like I'm going to

834
00:38:53,680 --> 00:38:55,600
Speaker 2: spend more than fifty dollars and I gotta find money

835
00:38:55,680 --> 00:38:56,440
Speaker 2: come to whorre else.

836
00:38:56,280 --> 00:38:56,840
Speaker 1: In my budget.

837
00:38:57,160 --> 00:38:59,160
Speaker 2: So don't just like set numbers and just like walk

838
00:38:59,200 --> 00:39:02,279
Speaker 2: away you're done. It's setting the numbers, going back to

839
00:39:02,320 --> 00:39:05,120
Speaker 2: them and making sure you're actually in the guidelines and

840
00:39:05,440 --> 00:39:07,360
Speaker 2: you're coming up with a plan if you're not.

841
00:39:08,440 --> 00:39:11,560
Speaker 5: Yeah, And I think just being honest with yourself about

842
00:39:11,920 --> 00:39:15,880
Speaker 5: maybe how flexing those quote unquote parameters or guidelines actually

843
00:39:15,920 --> 00:39:18,520
Speaker 5: makes you feel. And if something's going on in your

844
00:39:18,560 --> 00:39:21,080
Speaker 5: life that demands of that, then that's one thing. But

845
00:39:21,120 --> 00:39:24,760
Speaker 5: if it's constantly happening, then that's a bigger conversation about

846
00:39:25,000 --> 00:39:28,000
Speaker 5: if you need to be broadening that, you know, budgetary

847
00:39:28,040 --> 00:39:31,840
Speaker 5: moment in general, if there's something going on that you

848
00:39:31,880 --> 00:39:34,359
Speaker 5: need to talk about, which is why you're broadening that

849
00:39:34,400 --> 00:39:37,640
Speaker 5: budgetary moment. So yeah, it goes back to feelings and

850
00:39:37,719 --> 00:39:40,920
Speaker 5: just getting really honest, which again can be really really challenging.

851
00:39:41,320 --> 00:39:44,240
Speaker 2: Yeah, this is not to say like don't spend money

852
00:39:44,360 --> 00:39:47,960
Speaker 2: on things you enjoy. You know, I think about budgeting

853
00:39:48,000 --> 00:39:52,000
Speaker 2: in for birthdays and holidays and like those things come up,

854
00:39:52,080 --> 00:39:56,640
Speaker 2: right or like celebrating friends birthdays, buying other people gifts,

855
00:39:56,760 --> 00:39:59,280
Speaker 2: Like so sometimes things will happen and we're not prepared

856
00:39:59,280 --> 00:40:00,920
Speaker 2: for it, but it's you kind of knew it was

857
00:40:00,920 --> 00:40:02,600
Speaker 2: going to happen, and we need to put that into

858
00:40:02,600 --> 00:40:05,960
Speaker 2: our budget or our spending. So I think even insurance,

859
00:40:05,960 --> 00:40:08,600
Speaker 2: like if you pay insurance on a monthly basis, right,

860
00:40:08,719 --> 00:40:10,759
Speaker 2: like it's like you got to put away for it.

861
00:40:10,760 --> 00:40:12,600
Speaker 2: Don't wait for the premium to be do and it's like,

862
00:40:12,640 --> 00:40:14,600
Speaker 2: oh my gosh, and then you don't have the money

863
00:40:14,640 --> 00:40:16,520
Speaker 2: for it. If you know that this is, do have

864
00:40:16,560 --> 00:40:19,520
Speaker 2: to put money away every month that you can pay

865
00:40:19,520 --> 00:40:21,640
Speaker 2: that when the time is there.

866
00:40:21,840 --> 00:40:24,080
Speaker 5: And this goes back to having the emergency fund and

867
00:40:24,120 --> 00:40:26,319
Speaker 5: like just kind of like keeping these things in mind

868
00:40:26,320 --> 00:40:28,759
Speaker 5: for what could fluctuate or change, Like obviously in the

869
00:40:28,760 --> 00:40:30,839
Speaker 5: turn of a new year when we're talking about things

870
00:40:30,880 --> 00:40:33,359
Speaker 5: like insurance, or perhaps at the beginning of a new

871
00:40:33,360 --> 00:40:37,040
Speaker 5: rent cycle, things are going to happen where dollars are

872
00:40:37,040 --> 00:40:40,200
Speaker 5: going to go up, and so making sure that you

873
00:40:40,520 --> 00:40:43,400
Speaker 5: have what you need available to you so that you

874
00:40:43,480 --> 00:40:45,400
Speaker 5: can manage and take care of you.

875
00:40:45,520 --> 00:40:47,799
Speaker 4: It's, you know, the responsibility that we all have to

876
00:40:47,800 --> 00:40:48,200
Speaker 4: take on.

877
00:40:48,440 --> 00:40:51,040
Speaker 2: Right and a budget is meant to also be fluid too.

878
00:40:51,160 --> 00:40:54,480
Speaker 2: Like you said, like, it's okay if you are not

879
00:40:54,600 --> 00:40:57,520
Speaker 2: getting it right away. It's okay if you realize, like

880
00:40:57,520 --> 00:41:01,040
Speaker 2: I'm putting in this line item for I keep saying restaurants,

881
00:41:01,040 --> 00:41:05,239
Speaker 2: so that's like my that's my weakness, is like and

882
00:41:05,280 --> 00:41:07,720
Speaker 2: you realize, you know what, that is not realistic because

883
00:41:07,719 --> 00:41:10,680
Speaker 2: I spend way more than this, And so it's really just.

884
00:41:10,640 --> 00:41:13,399
Speaker 1: About being honest, you know the numbers, but then giving

885
00:41:13,400 --> 00:41:14,399
Speaker 1: yourself flexibility.

886
00:41:14,440 --> 00:41:16,520
Speaker 2: And what it really comes down to is if it's

887
00:41:16,560 --> 00:41:19,919
Speaker 2: that important with you to you to do that thing,

888
00:41:20,320 --> 00:41:22,480
Speaker 2: where's that money going to come from? Either you're going

889
00:41:22,520 --> 00:41:25,440
Speaker 2: to keep going into debt to help fund that life,

890
00:41:26,160 --> 00:41:28,880
Speaker 2: or you're gonna have to find somewhere else to cut out,

891
00:41:29,239 --> 00:41:30,640
Speaker 2: or you're going to have to make more money.

892
00:41:31,320 --> 00:41:33,080
Speaker 4: Yeah, so you're gonna have to make more money. We

893
00:41:33,160 --> 00:41:34,320
Speaker 4: love making more money.

894
00:41:34,400 --> 00:41:36,840
Speaker 2: Make more money, that's that. I love making more money.

895
00:41:37,800 --> 00:41:41,520
Speaker 2: But and oh here's the thing too. I actually think

896
00:41:41,560 --> 00:41:43,919
Speaker 2: for some people, and I know people roll their eyes

897
00:41:43,920 --> 00:41:46,200
Speaker 2: when it's like, oh, you know, if you have more money,

898
00:41:46,520 --> 00:41:48,360
Speaker 2: like you don't have any issues. But I know a

899
00:41:48,360 --> 00:41:49,880
Speaker 2: lot of people who have a lot of money and

900
00:41:49,920 --> 00:41:51,879
Speaker 2: they still have the same issues, like they're blowing through

901
00:41:51,880 --> 00:41:55,040
Speaker 2: money too. And I think now if you are kind

902
00:41:55,040 --> 00:41:57,680
Speaker 2: of strapped or you have a little less, if you

903
00:41:57,760 --> 00:41:59,960
Speaker 2: get a hang of this now, when the money does

904
00:42:00,040 --> 00:42:04,080
Speaker 2: start coming to you, it's easier to manage because you've

905
00:42:04,080 --> 00:42:06,560
Speaker 2: done the work when you had a little bit, versus

906
00:42:07,000 --> 00:42:10,840
Speaker 2: you know, sometimes having excess makes it harder to do

907
00:42:10,920 --> 00:42:11,640
Speaker 2: some of this stuff.

908
00:42:12,600 --> 00:42:13,040
Speaker 4: Yeah.

909
00:42:13,120 --> 00:42:15,640
Speaker 5: Yeah, And I again, I think one of my favorite

910
00:42:15,640 --> 00:42:19,319
Speaker 5: things that you advised during the last half hour was

911
00:42:19,360 --> 00:42:22,080
Speaker 5: really talking about those automatic transfers.

912
00:42:22,160 --> 00:42:24,040
Speaker 4: Those can be just such a game changer.

913
00:42:24,080 --> 00:42:26,480
Speaker 5: And yes, I will say that I have a couple

914
00:42:26,560 --> 00:42:28,000
Speaker 5: of those set up, and I still like have a

915
00:42:28,040 --> 00:42:30,440
Speaker 5: moment of pause whenever I see that, like, well, where'd

916
00:42:30,440 --> 00:42:31,680
Speaker 5: that money go? And then I'm like, oh, it's the

917
00:42:31,680 --> 00:42:36,759
Speaker 5: automatic transfer. But honestly, for everything for me, from automatically

918
00:42:36,760 --> 00:42:40,960
Speaker 5: transferring money into my IRRA, automatically transferring money into my savings,

919
00:42:41,200 --> 00:42:44,680
Speaker 5: they that it's been. These have been huge game changers

920
00:42:44,680 --> 00:42:46,799
Speaker 5: for me to make sure that I'm financially accountable for

921
00:42:46,840 --> 00:42:49,520
Speaker 5: where I want to go thinking about my long term goals.

922
00:42:49,600 --> 00:42:50,600
Speaker 1: Right, think about it this way.

923
00:42:50,640 --> 00:42:52,720
Speaker 2: I look at it as if I set my savings

924
00:42:52,800 --> 00:42:56,319
Speaker 2: and investing goals for the year and it's automatically going out,

925
00:42:56,480 --> 00:42:57,840
Speaker 2: I can do whatever I want with the rest of

926
00:42:57,840 --> 00:42:59,799
Speaker 2: the money. It's whatever I want and now, you know,

927
00:43:00,160 --> 00:43:02,080
Speaker 2: so maybe a limit and some things that I have

928
00:43:02,120 --> 00:43:05,080
Speaker 2: to pay for like the mortgage, but literally, I could

929
00:43:05,080 --> 00:43:07,560
Speaker 2: do what I want once I'm reaching my savings, investing

930
00:43:07,800 --> 00:43:09,680
Speaker 2: and debt pay off. Gools, that money is my ma

931
00:43:09,920 --> 00:43:12,600
Speaker 2: live So.

932
00:43:11,600 --> 00:43:12,480
Speaker 4: We love it. We love it.

933
00:43:12,560 --> 00:43:16,680
Speaker 5: Jamila, This was so so so helpful. I am so

934
00:43:17,239 --> 00:43:19,800
Speaker 5: thankful for all of this advice. I'm like more motivated

935
00:43:19,800 --> 00:43:21,319
Speaker 5: to make sure that I put this spot on my

936
00:43:21,360 --> 00:43:24,480
Speaker 5: calendar to go check in on where my personal budget

937
00:43:24,560 --> 00:43:25,000
Speaker 5: is at.

938
00:43:25,040 --> 00:43:27,520
Speaker 3: How do the hurdlers follow along with you? How do

939
00:43:27,560 --> 00:43:30,320
Speaker 3: they keep up with you give us all of your details.

940
00:43:30,440 --> 00:43:33,239
Speaker 2: Yeah, So wherever you listen to this amazing podcast, you

941
00:43:33,239 --> 00:43:36,879
Speaker 2: can find my podcast Journey to Launch. I talk about

942
00:43:36,920 --> 00:43:40,520
Speaker 2: all things financial freedom and independence and I can't wait

943
00:43:40,520 --> 00:43:42,839
Speaker 2: to have you join me on this journey. I'm also

944
00:43:42,880 --> 00:43:46,880
Speaker 2: on social media as at journey to Launch on Instagram, Twitter,

945
00:43:46,920 --> 00:43:49,160
Speaker 2: and Facebook, and then my website is journey.

946
00:43:48,880 --> 00:43:51,800
Speaker 4: To Launch dot com beautiful.

947
00:43:51,960 --> 00:43:54,760
Speaker 3: I'm over at Hurdle Podcast and at Emily a Body

948
00:43:55,040 --> 00:43:56,640
Speaker 3: Another Hurdle Conquered.

949
00:43:57,000 --> 00:43:58,040
Speaker 4: Catch you guys next time