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Speaker 1: Hey, b a fam, It's Friday. Y'all know what time

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Speaker 1: it is. It's time for the b a qa a,

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Speaker 1: the b a q a What you say the v

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Speaker 1: a q a with Manda, the b a q a

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Speaker 1: the b a q a A b a fam Happy Friday.

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Speaker 1: I'm kind of getting used to singing that song. I

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Speaker 1: kind of like it. I might need to lay down

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Speaker 1: a track like I might just need to like you know,

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Speaker 1: get in the booth, you know what I mean, Like

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Speaker 1: get in the studio, do my man in the garden

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Speaker 1: like Kendrick Well, b a fam. I am thrilled because

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Speaker 1: I don't know about y'all, but when I do ba

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Speaker 1: QA solo, I just miss Tiffany so much because talking

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Speaker 1: to myself and answering questions, I just miss having another

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Speaker 1: perspective because I know for a fact I do not

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Speaker 1: know everything. So I'm excited. I feel like in this

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Speaker 1: new chapter of ba I want to do more guests

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Speaker 1: on QA days, just like another brain partner. And I

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Speaker 1: could not feel luckier than to have and more excited

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Speaker 1: for you guys than to have my pal. The new

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Speaker 1: author s of her book Baby Crush Your Money Goals,

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Speaker 1: We have Bernadette Joy in the house. Welcome to the

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Speaker 1: show again. Is this your first time?

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Speaker 2: I can't remember my first.

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Speaker 1: Time because we've talked. I mean, shoot, I can't even

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Speaker 1: I'm like when it's all blurred. But welcome to the

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Speaker 1: BA Studio. Bernadette.

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Speaker 2: Thank you.

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Speaker 3: I know it feels weird to say it's the first

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Speaker 3: time because you and I feel like every time we

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Speaker 3: talk it could be a good podcast episode.

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Speaker 1: So right, that's when you know you got a good vie.

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Speaker 1: That's when you know you got a good vibe going.

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Speaker 1: It's like, let's get the core.

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Speaker 2: This is juicy.

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Speaker 1: I know.

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Speaker 2: I love that.

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Speaker 3: I will tell you that my be a success story

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Speaker 3: is one of my longtime clients messaged me two years

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Speaker 3: ago and she was just like, I heard Mandy mentioned

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Speaker 3: your name on the podcast you have made it. I

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Speaker 3: was like, oh my god, I have made That was

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Speaker 3: after finn Con in twenty twenty two, and so've you

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Speaker 3: said my name that time before, But this is the

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Speaker 3: first time I'm here.

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Speaker 1: In the flesh. Oh that was such a special fin

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Speaker 1: Con for me. It was my first it was my

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Speaker 1: first big outing after having a kid, professionally and starting

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Speaker 1: my business. So yeah, me, you all the like Jeanie Nace. Yeah,

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Speaker 1: everyone hanging out. It was amazing. But I've just really

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Speaker 1: loved to be like a fan of yours and love

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Speaker 1: to watch sort of your journey professionally, and it just

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Speaker 1: doesn't strike me that you're afraid to try anything and

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Speaker 1: to like, you know, even this whole era you're having

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Speaker 1: as the hostess with the mostess and hosting all the

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Speaker 1: finn Con events and really becoming like almost a legend

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Speaker 1: or just like a leader in the fin Con financial

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Speaker 1: educator community, and I just think it's awesome. In the book,

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Speaker 1: you guys, Crush Your Money Goals, what's our subtitle? Twenty

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Speaker 1: five smart money Habits to save invest in fast track

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Speaker 1: your financial freedom. Thanks for coming burnand out. Okay, So

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Speaker 1: for people who are not have not been your fan

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Speaker 1: for as long as I have, give us a quick recap.

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Speaker 1: How come you wrote a Crush your Money Goals book?

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Speaker 1: What's your story?

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Speaker 3: So? How come I wrote the book was because I

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Speaker 3: got lucky that someone found me, a publisher found.

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Speaker 2: Me to write the book.

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Speaker 3: But I have been writing this content for the past

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Speaker 3: eight years now, in twenty sixteen, so I am burned

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Speaker 3: at joy. I am the founder of Crush your Money Goals,

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Speaker 3: so the same name as the book. And I started

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Speaker 3: my personal finance journey in wanting to pay off my

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Speaker 3: student loans, and it led my husband and I to

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Speaker 3: pay off three hundred thousand dollars of debt and become

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Speaker 3: completely debt free now for the past five year years

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Speaker 3: and building our first one point eight I looked it

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Speaker 3: up this morning, one point eight million dollars of net

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Speaker 3: worth invested and having a chunk of savings. Where my

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Speaker 3: next chapter, alongside being an author, is I want to

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Speaker 3: work on becoming an angel investor, specifically in communities of

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Speaker 3: color and for women, because we already know this that

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Speaker 3: we're not getting enough investment, and I want to be

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Speaker 3: able to pay it forward to all of the women

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Speaker 3: who have helped support like you support this this.

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Speaker 2: Growth for my personal journey and my professional journey.

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Speaker 1: That's amazing. You're not the first person I've heard who's

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Speaker 1: like and my next act, my third act or you know,

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Speaker 1: after I've sort of become a seasoned entrepreneur is to

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Speaker 1: become an investor. I've heard Tiffany talk about it. I

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Speaker 1: I've heard Less from Pounds Black Girl talk about that,

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Speaker 1: and I love that you guys have given me something

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Speaker 1: to think about too. I'm like, oh, okay, so let's

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Speaker 1: just skip past the part where I become incredibly well

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Speaker 1: health and just consider it inevitability and that's come. Yeah,

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Speaker 1: that you'll be able to turn around and pour in

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Speaker 1: so great. I love that you're ahead of me in

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Speaker 1: that regard and I'm just excited to follow you there.

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Speaker 1: You don't just have the book, though, you also have

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Speaker 1: the Crush Money Crush Club. Yes, the Crush Club. Okay,

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Speaker 1: so how can people find out about that? And like,

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Speaker 1: what do you get from that community? Yeah?

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Speaker 3: So the Crush Club, if you decide to pick up

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Speaker 3: the book. In there, you'll see multiple success stories and

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Speaker 3: it's from the initial part of the Crush Club, which

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Speaker 3: is what we call the Crush boot Camp. So we

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Speaker 3: have an intensive ninety days where I walk people through

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Speaker 3: the five steps of Crush and actually get their plans together.

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Speaker 2: And I am one of what I learned is I'm

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Speaker 2: one of a.

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Speaker 3: Few financial coaches that will actually sit down with you

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Speaker 3: one on one and walk through your entire financial picture

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Speaker 3: and make sure that you're doing the things that you

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Speaker 3: need to be doing and come up with a plan.

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Speaker 3: And then people who end up wanting to stay beyond

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Speaker 3: the ninety days. Join the Crush Club, where we meet

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Speaker 3: every Sunday morning nine to ten am Eastern time, and

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Speaker 3: we practice our habits, we hash out our challenges, and

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Speaker 3: this year with.

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Speaker 2: The book, we're going to be going through the book

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Speaker 2: together habit by habit.

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Speaker 3: So I'm really looking forward to that next chapter of

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Speaker 3: Crush Club because all of these different habits that are

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Speaker 3: mentioned in the book were actually informed not just by

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Speaker 3: my own experience, but by all of these people who

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Speaker 3: I've coached now over the last five years.

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Speaker 1: That's incredible and what a great like, what a great

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Speaker 1: way to go ahead and do the thing like start coaching,

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Speaker 1: start working with clients, and then I feel the same way,

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Speaker 1: you're like collecting the case studies, you're collecting the feedback,

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Speaker 1: and you're you know, really shaping the I guess you

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Speaker 1: can call it curriculum or like the syllabus for your

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Speaker 1: your book. And then now the goal the challenges that

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Speaker 1: you're doing through Crush Club, and it just it just

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Speaker 1: makes so much sense. So that's something that I also

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Speaker 1: really admire. So with the Crush Club, you're meeting every

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Speaker 1: week and then you have to enroll in the ninety

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Speaker 1: Day Challenge basically the ninety day like work through the

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Speaker 1: Crusher Money Goals book. So who's the perfect person to

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Speaker 1: join this community?

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Speaker 3: Yes, selfishly, you know, anyone who listens to this podcast

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Speaker 3: would be a great candidate because you're already looking for

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Speaker 3: thought leadership, You're looking for a really practical, tangible money advice.

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Speaker 3: You are ambitious, and I think, what is really interesting

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Speaker 3: to me, and you know what has attracted me to

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Speaker 3: following you and Tiffany for a long time is this

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Speaker 3: this word of ambition of where there are a lot

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Speaker 3: of you and I were even just talking about this

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Speaker 3: right before we got on this. There are a lot

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Speaker 3: of women that I work with who are highly ambitious,

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Speaker 3: but maybe sometimes sometimes to a fault where we don't

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Speaker 3: ask for help. And so a lot of the clients

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Speaker 3: who have come through the Crush boot Camp have been

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Speaker 3: really successful in their own right in some shape or form.

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Speaker 3: Maybe they've had really good career success or they have

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Speaker 3: already started investing, or they've started a business, but then

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Speaker 3: they've kind of hit this plateau where Okay, my ambition

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Speaker 3: has gotten me this far, but now I need a

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Speaker 3: next level of mentorship and resources.

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Speaker 2: That are going to get me to that wealth standing point.

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Speaker 3: And so it's been really fun because the Crush Club

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Speaker 3: we seem to have attracted right now, there's about fifty members,

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Speaker 3: and we intentionally keep it small. This is not one

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Speaker 3: of those memberships that it's like, oh, you come in

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Speaker 3: and like there's a.

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Speaker 2: Thousand people in there.

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Speaker 3: I'm an introvert, so I can't do that, So we

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Speaker 3: keep it intentionally small around fifty people. And the ideas

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Speaker 3: that you continuously roll people in and out until they

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Speaker 3: got what they needed. It's not intended for someone to

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Speaker 3: be there for the rest of their life because the ideas,

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Speaker 3: if I did my job, then I would have helped

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Speaker 3: you at this level and then there might be other

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Speaker 3: resources for you to get to that next point. So

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Speaker 3: I really specifically also found that there's a lot of

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Speaker 3: folks who had made good money, so like, you're so

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Speaker 3: great at helping people with the negotiation tips and building

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Speaker 3: those those book strategies around growing your income. And I

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Speaker 3: think where we can we are complimentary is that we provide,

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Speaker 3: you know, the habits and the tools and the resources

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Speaker 3: on like how to make sure that the money that

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Speaker 3: you've already made is being deployed the way that you

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Speaker 3: want to and beyond just kind of the traditional advice

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Speaker 3: you get of like oh, put into the s and p.

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Speaker 2: Five hundred.

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Speaker 3: We actually work with people and aligning their investments with

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Speaker 3: what they care about IEME with Angel investing.

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Speaker 1: Yeah, that's amazing. I'm such a good book promoter. Don't

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Speaker 1: you think like you have a publicist like this is

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Speaker 1: what they dream of. Show the book, talk about the book.

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Speaker 1: We're getting all that out of the way first because

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Speaker 1: I want people to get to know you better. Yeah, so,

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Speaker 1: BA fan, you got to check out the book. We

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Speaker 1: are here for the BA fan and I'm so excited

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Speaker 1: that Burnett is here to help me answer y'all's questions.

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Speaker 1: So just we're going to do our disclaimer. Okay, me

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Speaker 1: and Bernadette are not your financial advisor. We are not

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Speaker 1: your financial planners. We're not your stockbroker. We're not your doctor,

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Speaker 1: your lawyer, your therapist. We're none of those things. We

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Speaker 1: are just two beautiful ladies on the Internet who have

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Speaker 1: a little bit of knowledge to share. So this is

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Speaker 1: all for entertainment purposes. Please don't sue me. You can

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Speaker 1: try to don't see her. Yeah, yeah, this disclaimer just completely,

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Speaker 1: you know, like it fixes everything I've been told, full protection,

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Speaker 1: full amnesty. All right, we've got a couple of great

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Speaker 1: questions from IG, y'all. I have told y'all before that

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Speaker 1: in twenty twenty five, I am going to be purging

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Speaker 1: the inbox, purging the spreadsheet where we track all these questions.

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Speaker 1: There's like a couple hundred, and I want y'all to

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Speaker 1: submit new ones. So you got to go to Brown

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Speaker 1: Ambition Podcast dot com and click con or submit your question,

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Speaker 1: or you can ig on ig slide into our DMS.

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Speaker 1: We love getting a DM it's so simple. We're at

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Speaker 1: Brand Ambition Podcast where you can email directly Bronambition Podcast

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Speaker 1: at gmail dot com. Give me some incredible, juicy questions

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Speaker 1: for the new year's from debt to investing, to career, negotiating, relationships, health, whatever,

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Speaker 1: let's get you know, let's tackle these together. So today,

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Speaker 1: Miss Bernadette, we're gonna start with a question from IG.

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Speaker 1: This question comes from listener dart Nishe okay, Dernisia says,

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Speaker 1: oh nope, I just read that wrong. This question comes.

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Speaker 1: Our first question is going to come from a listener

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Speaker 1: from IG called a Gile and Gile we'll go with

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Speaker 1: that pronunciation. Okay. So Angile's in a tricky spot, Bernadette,

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Speaker 1: she says, I need help. I don't know where to start.

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Speaker 1: I just started listening to your podcast. The backstory is

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Speaker 1: that I was homeless in twenty sixteen with a teenage daughter.

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Speaker 1: I lived off of two credit cards that had a

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Speaker 1: total three thousand dollars credit line, and I put everything

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Speaker 1: from groceries to gas on my cards. And when I

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Speaker 1: got paid my entire track, my entire check went to

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Speaker 1: paying them down. My credit score actually increased. Then I

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Speaker 1: switched careers and I graduated nursing school in twenty nineteen. Amazing.

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Speaker 1: The pandemic hit and I went from being broke to

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Speaker 1: making six figures as a travel nurse. My daughter entered

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Speaker 1: her dream school in twenty twenty, and since then I've

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Speaker 1: acquired more credit cards. Now I have about seventy thousand

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Speaker 1: dollars of credit card debt that includes leisure spending, from

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Speaker 1: paying for college housing to some medical care. I have

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Speaker 1: put it all on my cards. Now I'm dealing with

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Speaker 1: the situation where the rates for travel nurses are lower.

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Speaker 1: I'm currently making sixty two dollars an hour and working

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Speaker 1: thirty six hours per week. My daughter's graduated and luckily

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Speaker 1: she has no college debt and a seven to fifty

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Speaker 1: credit score. Meanwhile, I have parent plus loans on top

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Speaker 1: of my credit cards. My score has taken a drastic hit.

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Speaker 1: I would love any guidance in education on how to

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Speaker 1: start paying down this debt and rehabilitating my credit score

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Speaker 1: and gile woo. So that's a lot.

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Speaker 2: That's a lot.

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Speaker 1: It's and you know what, honestly, I was thinking while

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Speaker 1: you were talking about crush club and like the twenty

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Speaker 1: five you cover twenty five habits to start to crush

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Speaker 1: your goals, And I was like, is one of them

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Speaker 1: just don't have children? Because I can just the way

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Speaker 1: that these kids, the way that these kids will come

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Speaker 1: for your coins and will have you doing things like

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Speaker 1: take out lots of debt to give them the life

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Speaker 1: that you imagine for them, the life that you want

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Speaker 1: for them. It's so heartbreaking sometimes because I'm like, I

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Speaker 1: can see why you made these choices. It feels like

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Speaker 1: an investment. Do you have people in your crush club who,

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Speaker 1: like you know, who have kids and have found themselves

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Speaker 1: in like a similar situation to Angile, And like what

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Speaker 1: would you say to them.

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Speaker 2: Yes, I've had.

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Speaker 3: Interestingly, I've had a couple of different cases that sound

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Speaker 3: a lot like angile. One is Okay, first thing is

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Speaker 3: I'm Filipino. So everyone in my family is a nurse.

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Speaker 1: Okay, I didn't know that.

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Speaker 3: Yeah, Philippin we are the large largest exporter of nurses

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Speaker 3: in the world. So here's a fun thing for y'all.

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Speaker 3: If you visit your local hospital.

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Speaker 2: Count how many of the nurses are Filipino. It's probably half.

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Speaker 3: So that being said, so, my my mother in law

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Speaker 3: was a traveling nurse, traveling physical therapist, and my father

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Speaker 3: in law is a nurse.

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Speaker 1: Uh.

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Speaker 3: And it is a very challenging especially once you said

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Speaker 3: traveling nurse. It is a very challenging type of role

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Speaker 3: because imagine that you're dealing with, you know, people who

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Speaker 3: are not healthy, uh, sometimes in the last stages of life.

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Speaker 3: For all these things, and traveling nurses, the reason they

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Speaker 3: make more money is because they will often go to

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Speaker 3: other hospitals that are low low in staff.

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Speaker 2: To basically fill in slots that aren't filled.

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Speaker 3: So now imagine that you're going into an understaffed place

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Speaker 3: right where they needed people so bad that they're they're

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Speaker 3: paying a little bit more money to people will come

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Speaker 3: in from the outside, so you have that. Then what

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Speaker 3: I heard from the story was she started off with

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Speaker 3: I was homeless, right, and I think in twenty sixteen,

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Speaker 3: which was not that long ago, which was eight years ago.

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Speaker 3: And and you know now that she's had all of

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Speaker 3: these different things happening, things are actually in her put

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Speaker 3: in her path to help her get out of this.

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Speaker 2: But what I heard though, is that.

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Speaker 3: She has continued to prioritize one particular thing which she

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Speaker 3: mentioned it two or three times in that which was

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Speaker 3: the credit score.

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Speaker 1: Right. Yeah. I'm almost like, is that the goal? Just

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Speaker 1: a good end score?

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Speaker 2: And the answer, in my opinion is no, right.

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Speaker 1: Uh.

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Speaker 2: The you know, she's like, she said, I had a

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Speaker 2: terrible credit score.

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Speaker 3: I had a bad I still have a bad puss

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Speaker 3: with my daughter has a great credit score, but I

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Speaker 3: have a bad credit score. I'm like, that's actually not

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Speaker 3: the concern, that's the that's the least of your worries.

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Speaker 3: And I think that is something that I've also found

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Speaker 3: with a lot of communities, particularly I've noticed this in

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Speaker 3: the Filipino community. So I can't speak, uh, you you

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Speaker 3: can tell me what you've heard kind of in like

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Speaker 3: the the black and brown communities, right of, Like this

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Speaker 3: credit score thing is like where people pay so much

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Speaker 3: attention to and I have to unlearn help people unlearn

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Speaker 3: that that is not a measure of wealth. And so

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Speaker 3: just as a reminder to this person in particular, a

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Speaker 3: credit score does not take into account what your income is,

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Speaker 3: It doesn't take into account what your education level is,

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Speaker 3: It doesn't take into account how much money you have

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Speaker 3: in the bank, all it all. But it measures is

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Speaker 3: how good you are at paying back your debt, which

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Speaker 3: now we understand why the credit score is really low

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Speaker 3: in this case because she has seventy thousand dollars worth.

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Speaker 2: Of credit card debt.

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Speaker 3: So the crazy thing, and this is something that I

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Speaker 3: think a lot of people don't understand, is that for me,

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Speaker 3: there was from twenty twenty to like twenty twenty two,

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Speaker 3: I was not getting I could not.

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Speaker 2: Get approved for a loan.

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Speaker 3: Even though I had paid off three hundred thousand dollars

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Speaker 3: of debt and was approaching a million dollars of net

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Speaker 3: worth because I didn't have a credit score at the time, because.

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Speaker 2: I had paid off all my debt and I didn't

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Speaker 2: have at the time. Yeah, and I didn't have.

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Speaker 3: All my credit history went away when I paid off

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Speaker 3: all of those things and closed all those accounts. So

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Speaker 3: that just goes to show you that this credit card,

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Speaker 3: the credit system is does not care if you're good

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Speaker 3: with money.

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Speaker 1: Oh my god, I was just ranting about this on

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Speaker 1: the last BAQA. I'm like, it's all a scam. And

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Speaker 1: you asked about what sort of the black and brown

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Speaker 1: community my own dad he became. You know, my dad

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Speaker 1: went through oh so many financial struggles. I ain't trying

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Speaker 1: to put all his business out there. I'm sorry, Alton Woodruff,

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Speaker 1: I've been talking about your shit for so long. But

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Speaker 1: he's so proud of his high credit score. Now he

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Speaker 1: was able to get a mortgage and he got into

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Speaker 1: his house and like all that, and he's very proud

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Speaker 1: of it and very like people get emotionally attached to it.

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Speaker 1: And I think it's because when you're a grown up,

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Speaker 1: there's not really many grades we get anymore. There's not

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Speaker 1: like very many like measurements that tell us how good

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Speaker 1: we're doing, and so credit score becomes like a proxy

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Speaker 1: for a GPA or a final exam. And yeah, so

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Speaker 1: I get that. I think that's not the biggest issue

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Speaker 1: here either. It's that seventy thousand dollars of debt and

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Speaker 1: parent plus loans. So she's basically she's given her daughter

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Speaker 1: a clean slate, like seven fifty credit score, no college debt. Fly,

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Speaker 1: baby girl, Fly. And now I am carrying the burden

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Speaker 1: of this seventy thousand dollars on my back into a

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Speaker 1: challenging season in my career. Like she said her, the

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Speaker 1: rates for travel nurses have gone down. It was popping

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Speaker 1: after the recession. Everyone wanted to be a travel nurse.

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Speaker 1: They let me pack the bag real quick. Yes, And

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Speaker 1: so for that, I'm just like paying down parent plus loans.

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Speaker 1: The only thing that I can kind of find some

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Speaker 1: comfort in for her is that it's a federal it's

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Speaker 1: a federal loan. It's a federal student loan, which means

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Speaker 1: that there should be income repayment plans that you can

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Speaker 1: contact your loan servicer and get on top of. But

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Speaker 1: as a parent, you are on the hook for that debt.

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Speaker 1: It's all on your shoulders. And so I would say, run,

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Speaker 1: don't walk, to the to call your loan servicer and

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Speaker 1: get enrolled in one of those repayment plans. I was looking.

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Speaker 1: I pulled up a little was on my phone. I

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Speaker 1: was going to pull up the types they have. There's

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Speaker 1: a standard plan, which is like ten years, but then

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Speaker 1: you can do like a graduated plan, which is smaller

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Speaker 1: payments and then they gradually increase. You can extend it.

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Speaker 1: There's an extended payment plan. Now these probably I'll have

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Speaker 1: like requirements and eligibility requirements and things like that to

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Speaker 1: look into. But there's one that's extended for twenty five years.

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Speaker 1: There's one that can reduce your monthly payment to twenty

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Speaker 1: percent of your income based on a twelve year plan.

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Speaker 1: Then there's just the various income driven repayment plans. So

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Speaker 1: there's some options here, but like expecting them to go

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Speaker 1: away like that is not just going to happen quickly overnight.

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Speaker 1: It's just a lot of debt.

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Speaker 2: Yes, it's a lot of debt. Realistically speaking as someone

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Speaker 2: who had seventy.

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Speaker 3: Two thousand dollars of student loan debt, which is what

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Speaker 3: kickstarted also in twenty sixteen. So you know, I will

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Speaker 3: tell you that I am definitely feeling your pain on that.

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Speaker 3: Here is what I would tactically speaking suggest without having

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Speaker 3: seen the ins and outs of this person's full financial

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Speaker 3: picture is you need to take In the book, I

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Speaker 3: talk about curating your accounts, and so what that means

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Speaker 3: is that you literally need to pull every single account

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Speaker 3: that you have that is a loan, any sort of

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Speaker 3: credit card, You're checking your savings, your investments. I'm hoping

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Speaker 3: that you may have been putting something in investments as

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Speaker 3: a nurse, because you have access to that a lot

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Speaker 3: of times, and pull it all into one place. I

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Speaker 3: like to use Monarch Money, not a sponsored thing or anything.

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Speaker 3: I just really like their tool, and so you can

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Speaker 3: actually see what your true financial picture is. Because she's

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Speaker 3: saying that she has this amountain of debt, but have

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Speaker 3: no I have no idea how much she has in assets.

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Speaker 3: It could be zero, it could be she could have

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Speaker 3: at home, she could not, I don't know.

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Speaker 2: We don't know yet, right.

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Speaker 3: So, once you pull all that stuff into one place,

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Speaker 3: two track, so you actually have an accurate picture of

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Speaker 3: what your finances are truly and your net worth, then

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Speaker 3: I would look at the debt side and I would

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Speaker 3: break out each of those parent plus loans into the

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Speaker 3: specific loans, so you know, five thousand dollars, five percent,

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Speaker 3: ten thousand dollars, ten percent, whatever it is.

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Speaker 2: That's what I did with my student loans.

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Speaker 3: I had seventy two thousand dollars of student loans, but

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Speaker 3: it was actually made up of six different loans. And

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Speaker 3: then I would look at all of the credit cards

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Speaker 3: and you're not gonna like my answer, friend, but you're

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Speaker 3: gonna need to cut up those credit cards. And she

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Speaker 3: probably hasn't because she was concerned about the credit score

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Speaker 3: more than she was concerned about racking up the debt.

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Speaker 3: And I have a very hard and fast role with

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Speaker 3: all of my clients. If you even have like ten

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Speaker 3: dollars worth of debt on the credit card, you don't

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Speaker 3: keep putting more money. You don't keep putting more transactions

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Speaker 3: through that credit card until you clear it out. So

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Speaker 3: what ends up happening with a lot of my clients.

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Speaker 3: And this has been really rough in the last two years,

437
00:22:34,280 --> 00:22:37,600
Speaker 3: specifically because interest rates when we're going up that it

438
00:22:37,640 --> 00:22:40,439
Speaker 3: was manageable at one point, but now they're snowballing because

439
00:22:40,480 --> 00:22:43,440
Speaker 3: the credit card interest rates are like twenty three twenty

440
00:22:43,480 --> 00:22:45,680
Speaker 3: four percent on average right now, I'm seen as high

441
00:22:45,680 --> 00:22:47,840
Speaker 3: as thirty percent.

442
00:22:47,520 --> 00:22:50,400
Speaker 2: On credit card period.

443
00:22:51,280 --> 00:22:55,400
Speaker 3: Right They're like a payday loan at this point, right, So, so.

444
00:22:57,200 --> 00:22:59,240
Speaker 2: You're not gonna love this answer, but you're gonna have to.

445
00:23:00,000 --> 00:23:01,639
Speaker 3: We're going to have to get your alliance off of

446
00:23:01,680 --> 00:23:04,720
Speaker 3: these credit cards, which is very very easy for me

447
00:23:04,760 --> 00:23:06,640
Speaker 3: to say, but harder to do if you're someone who's

448
00:23:06,640 --> 00:23:11,680
Speaker 3: come from a background of having been homeless, right and saying, now,

449
00:23:11,720 --> 00:23:13,640
Speaker 3: I'm going to cut off this thing that probably got

450
00:23:13,640 --> 00:23:16,439
Speaker 3: me out of some of buyings in the past. But

451
00:23:16,480 --> 00:23:19,600
Speaker 3: the same mechanisms that you used to use to, you know,

452
00:23:19,920 --> 00:23:22,360
Speaker 3: get through three thousand dollars, it's not the same mechanisms

453
00:23:22,359 --> 00:23:24,800
Speaker 3: you're going to use to get out of seventy thousand

454
00:23:24,840 --> 00:23:28,920
Speaker 3: dollars now. And so I would say, once you have

455
00:23:29,000 --> 00:23:30,760
Speaker 3: an idea of what each of these credit cards and

456
00:23:30,800 --> 00:23:33,119
Speaker 3: how much the interest rates are and how much you

457
00:23:33,160 --> 00:23:35,200
Speaker 3: have in each of those, is you tackle the credit

458
00:23:35,240 --> 00:23:38,680
Speaker 3: cards first, a credit card by credit card. And I

459
00:23:38,720 --> 00:23:41,040
Speaker 3: am a big proponent of doing the snowball, because in

460
00:23:41,080 --> 00:23:43,880
Speaker 3: your case, it sounds like you're very overwhelmed. And when

461
00:23:43,960 --> 00:23:45,720
Speaker 3: I have clients who are overwhelmed, we're not trying to

462
00:23:45,760 --> 00:23:47,960
Speaker 3: do math right now, We're just trying to We're just

463
00:23:48,000 --> 00:23:51,440
Speaker 3: trying to like get momentum and work on just paying

464
00:23:51,440 --> 00:23:55,000
Speaker 3: that lowest credit card first to start building some momentum

465
00:23:55,040 --> 00:23:57,760
Speaker 3: around there and then having you know, again having this

466
00:23:58,240 --> 00:24:00,399
Speaker 3: having had a lot of nurses in my life, I

467
00:24:00,440 --> 00:24:03,720
Speaker 3: hear you on the rates on average being maybe lower,

468
00:24:04,520 --> 00:24:06,320
Speaker 3: But that doesn't mean that you can't get your bag.

469
00:24:06,920 --> 00:24:09,080
Speaker 3: That doesn't mean that you can't go and talk to

470
00:24:09,160 --> 00:24:13,159
Speaker 3: some of these other organizations that might be willing to

471
00:24:13,160 --> 00:24:14,800
Speaker 3: pay more. Yeah, you might have to travel a little

472
00:24:14,800 --> 00:24:16,760
Speaker 3: bit farther out, or yeah, yeah you might have to

473
00:24:16,760 --> 00:24:19,760
Speaker 3: pick up some like overnight shifts or something that.

474
00:24:21,280 --> 00:24:26,840
Speaker 2: Might not be ideal. But there are certain people who

475
00:24:26,880 --> 00:24:27,119
Speaker 2: I know.

476
00:24:27,200 --> 00:24:29,679
Speaker 3: For example, I have a friend who's a physical a

477
00:24:29,720 --> 00:24:33,479
Speaker 3: traveling physical therapist. He gets paid, you know, fifty dollars

478
00:24:33,480 --> 00:24:35,600
Speaker 3: more than other people because he's willing to go to

479
00:24:35,640 --> 00:24:37,399
Speaker 3: some of the places that people are not willing to

480
00:24:37,440 --> 00:24:37,840
Speaker 3: travel to.

481
00:24:37,960 --> 00:24:39,160
Speaker 2: So if you're willing to have.

482
00:24:39,160 --> 00:24:41,840
Speaker 3: Some flexibility, now that I know that your your kid

483
00:24:41,920 --> 00:24:44,560
Speaker 3: is out of college and probably doing their own thing,

484
00:24:45,080 --> 00:24:46,639
Speaker 3: and you have a little time on your hands, you

485
00:24:46,720 --> 00:24:51,040
Speaker 3: might have to change your change your schedule to accommodate

486
00:24:51,040 --> 00:24:52,760
Speaker 3: some of these higher paying gigs.

487
00:24:53,320 --> 00:24:55,920
Speaker 1: Yeah, and just kind of forget about the credit score

488
00:24:55,960 --> 00:24:57,680
Speaker 1: is a tool for like when you need to get debt.

489
00:24:57,720 --> 00:25:02,720
Speaker 1: So final thoughts for Angile, I was thinking about the

490
00:25:03,040 --> 00:25:05,080
Speaker 1: and what you said. I mean, I definitely agree with

491
00:25:05,160 --> 00:25:06,720
Speaker 1: like you have to get all the numbers in front

492
00:25:06,720 --> 00:25:09,200
Speaker 1: of you. You mentioned a tool called monarch. I hadn't

493
00:25:09,240 --> 00:25:11,320
Speaker 1: heard of that. I've been using Rocket Money, which I

494
00:25:11,400 --> 00:25:13,840
Speaker 1: kind of I've been enjoying Rocket Money so far. I

495
00:25:13,880 --> 00:25:16,280
Speaker 1: don't love that they charge. I'm on their free plan,

496
00:25:16,359 --> 00:25:19,040
Speaker 1: but you know, it is what it is. So getting

497
00:25:19,040 --> 00:25:20,880
Speaker 1: all those numbers in front of you and like your

498
00:25:20,880 --> 00:25:23,960
Speaker 1: true assets. For someone in her case, like we don't

499
00:25:23,960 --> 00:25:26,040
Speaker 1: know how old she is, but she has a daughter

500
00:25:26,520 --> 00:25:28,720
Speaker 1: or I think she said she was a single mom

501
00:25:28,760 --> 00:25:31,840
Speaker 1: from sixteen, so she's young. She's in probably in her thirties.

502
00:25:33,119 --> 00:25:37,119
Speaker 1: And you mentioned like having access to investments. Is do

503
00:25:37,240 --> 00:25:39,359
Speaker 1: you see a world in which she can continue to

504
00:25:39,400 --> 00:25:42,320
Speaker 1: save and invest while paying down this debt or are

505
00:25:42,320 --> 00:25:43,800
Speaker 1: you more on the side of like, let's just get

506
00:25:43,800 --> 00:25:44,959
Speaker 1: the debt out of the way and then we'll get

507
00:25:44,960 --> 00:25:45,840
Speaker 1: to the other stuff later.

508
00:25:46,920 --> 00:25:49,800
Speaker 3: And my personal opinion, and a lot of financial advisors

509
00:25:49,800 --> 00:25:51,680
Speaker 3: will fight me on this because of course they want

510
00:25:51,720 --> 00:25:52,840
Speaker 3: you to invest because they get.

511
00:25:52,680 --> 00:25:54,280
Speaker 2: Their get their piece of it.

512
00:25:54,840 --> 00:25:59,280
Speaker 3: I am of the mindset and I've done this personally

513
00:25:59,359 --> 00:26:01,800
Speaker 3: where I will pause investing, and I suggest this to

514
00:26:01,800 --> 00:26:04,879
Speaker 3: all my clients to pause. And I say pause specifically

515
00:26:04,960 --> 00:26:07,720
Speaker 3: because that word is more powerful to people than saying

516
00:26:07,720 --> 00:26:08,840
Speaker 3: you just have to stop investing.

517
00:26:08,840 --> 00:26:10,720
Speaker 2: People get heart palpitations about that.

518
00:26:11,160 --> 00:26:15,800
Speaker 3: Pausing your investments until minimally the credit card debt is cleared,

519
00:26:15,880 --> 00:26:20,320
Speaker 3: because there is no investment as a traveling nurse that

520
00:26:20,359 --> 00:26:23,520
Speaker 3: you're going to be getting that kind of return on

521
00:26:24,080 --> 00:26:26,720
Speaker 3: your investments putting. You know, if I'm going to guess

522
00:26:26,720 --> 00:26:28,840
Speaker 3: that this person is putting like maybe one hundred bucks,

523
00:26:28,960 --> 00:26:31,280
Speaker 3: even if even on like the higher and five hundred

524
00:26:31,520 --> 00:26:34,440
Speaker 3: one thousand dollars in investments per month, which most people

525
00:26:34,480 --> 00:26:38,320
Speaker 3: are not doing, it is totally being canceled out by

526
00:26:38,359 --> 00:26:42,520
Speaker 3: seventy thousand dollars at twenty three percent. Yeah, you know, so,

527
00:26:43,320 --> 00:26:46,640
Speaker 3: even if we are aside from the emotional aspect of

528
00:26:46,880 --> 00:26:49,000
Speaker 3: it is better to focus on one thing at a time.

529
00:26:49,040 --> 00:26:51,040
Speaker 3: The one thing I learned from my psychology degree is

530
00:26:51,040 --> 00:26:53,400
Speaker 3: that no human is actually a good multitasker.

531
00:26:53,440 --> 00:26:56,120
Speaker 2: We just do multiple things in rapid succession.

532
00:26:57,000 --> 00:26:58,800
Speaker 3: We only can do one thing at a time, So

533
00:26:59,160 --> 00:27:02,520
Speaker 3: focusing on the debt first and then clearing that out

534
00:27:02,840 --> 00:27:05,199
Speaker 3: would make smare space for you to be able to

535
00:27:05,240 --> 00:27:08,520
Speaker 3: invest down the road. And since this person is relatively young,

536
00:27:08,640 --> 00:27:10,880
Speaker 3: if we can guess, even if in your fifties, you'll

537
00:27:10,880 --> 00:27:13,360
Speaker 3: still have time. You'll still have time to catch that up.

538
00:27:13,840 --> 00:27:15,720
Speaker 1: All right, be a fan. Thank you for your question

539
00:27:15,720 --> 00:27:17,240
Speaker 1: on Jile. We're going to take a quick break and

540
00:27:17,280 --> 00:27:24,719
Speaker 1: be right back with our next question. It's a juicy one. Okay.

541
00:27:24,800 --> 00:27:29,160
Speaker 1: I am in the studio with my beloved guest, Bernadette Joy.

542
00:27:29,280 --> 00:27:30,880
Speaker 1: Also is Joy your real last name?

543
00:27:32,359 --> 00:27:34,360
Speaker 2: That Bernett Joy is actually my first name.

544
00:27:34,600 --> 00:27:37,680
Speaker 1: Oh that's such a cute, little combo. Did they call

545
00:27:37,720 --> 00:27:39,080
Speaker 1: you BJ growing up or no?

546
00:27:40,200 --> 00:27:40,600
Speaker 2: They did?

547
00:27:40,680 --> 00:27:43,040
Speaker 3: And so you met my husband his name is AJ. Yeah,

548
00:27:43,040 --> 00:27:46,719
Speaker 3: and I'm BJ. That's so cute. We had an ice

549
00:27:46,760 --> 00:27:48,920
Speaker 3: sculpture at our wedding. That's aid AJ and BJ and everyone.

550
00:27:49,000 --> 00:27:51,560
Speaker 3: I kept asking us when is CJ coming? Who never came?

551
00:27:52,000 --> 00:27:55,760
Speaker 1: Yeah? Well CJ happening right. That's because you want to

552
00:27:55,800 --> 00:27:59,080
Speaker 1: be rich, girl, Keep running, keep running right past the

553
00:27:59,119 --> 00:28:01,200
Speaker 1: biological earth to have them babies.

554
00:28:01,280 --> 00:28:02,880
Speaker 2: Just keep Oh you don't.

555
00:28:02,720 --> 00:28:06,520
Speaker 1: Look at we run way past at your sexy office.

556
00:28:06,560 --> 00:28:08,520
Speaker 1: You got the nice pink I see that pink like

557
00:28:08,640 --> 00:28:13,399
Speaker 1: velvety chair behind you. Your skin is glowing like I

558
00:28:13,440 --> 00:28:17,040
Speaker 1: bet you showered this morning. And tell me again how

559
00:28:17,240 --> 00:28:19,520
Speaker 1: incredibly wealthy you are and how you're gonna just like

560
00:28:19,920 --> 00:28:23,560
Speaker 1: take the year off. Listen, having kids is not and

561
00:28:23,840 --> 00:28:26,480
Speaker 1: having two of them. I'm never gonna tell anyone what

562
00:28:26,600 --> 00:28:29,440
Speaker 1: to do in that regard other than you know, being

563
00:28:29,560 --> 00:28:33,960
Speaker 1: rich really helps. You should be rich, and you should

564
00:28:34,000 --> 00:28:35,600
Speaker 1: be rich. If you're not going to be rich and

565
00:28:35,640 --> 00:28:38,600
Speaker 1: have kids, you know you're in for a challenge. Is

566
00:28:38,640 --> 00:28:42,600
Speaker 1: it rewarding? Sure, but it's a challenge. Oh okay, let

567
00:28:42,600 --> 00:28:44,800
Speaker 1: me get off of that soapbox, all right, I want

568
00:28:44,800 --> 00:28:46,120
Speaker 1: to get to this. What's that?

569
00:28:47,520 --> 00:28:47,600
Speaker 3: No?

570
00:28:47,720 --> 00:28:49,960
Speaker 2: I love I love the soapbox.

571
00:28:50,000 --> 00:28:53,600
Speaker 3: But also, you know, I follow you religiously on Instagram,

572
00:28:53,600 --> 00:28:56,000
Speaker 3: and so whenever you do post pictures of your kids,

573
00:28:56,000 --> 00:28:58,600
Speaker 3: I'm like, my my ovaries do like ache a little bit.

574
00:28:58,640 --> 00:29:03,400
Speaker 1: So yeah, but you know, Auntie, you can come play whatever,

575
00:29:03,480 --> 00:29:05,200
Speaker 1: get your little fill, and then you just keep on

576
00:29:05,240 --> 00:29:08,840
Speaker 1: moving to your to your your originals. Okay, that's what

577
00:29:08,880 --> 00:29:12,240
Speaker 1: I do, all right. So we've we've got an interesting question, Burnette.

578
00:29:12,240 --> 00:29:16,760
Speaker 1: This is like part personal finance, part entrepreneurship. And I'm

579
00:29:16,800 --> 00:29:19,360
Speaker 1: actually stealing this question from one that I got from

580
00:29:19,400 --> 00:29:22,040
Speaker 1: my group coaching last night because it's so it was

581
00:29:22,240 --> 00:29:24,440
Speaker 1: challenging for me to answer, and so I really want

582
00:29:24,440 --> 00:29:27,600
Speaker 1: to get your take. So this is an anonymous keep

583
00:29:27,640 --> 00:29:32,040
Speaker 1: her anonymous, but this is the situation. So basically, she says,

584
00:29:32,160 --> 00:29:34,720
Speaker 1: I have a business that I started last summer after

585
00:29:34,760 --> 00:29:37,520
Speaker 1: I was laid off from my job. I had a

586
00:29:37,560 --> 00:29:40,240
Speaker 1: good time. I went on sort of an eat prey

587
00:29:40,280 --> 00:29:43,040
Speaker 1: love trip, and I was saying yes to all the things.

588
00:29:43,640 --> 00:29:47,760
Speaker 1: I really at the time was living off of unemployment benefits.

589
00:29:48,120 --> 00:29:50,640
Speaker 1: I thought I would have time to extend those benefits,

590
00:29:50,640 --> 00:29:52,800
Speaker 1: but I found out a month or two ago that

591
00:29:52,840 --> 00:29:56,840
Speaker 1: they are done, and that's all I'm getting. Now I'm

592
00:29:56,880 --> 00:29:59,280
Speaker 1: looking at I've got thirty to sixty days worth of

593
00:29:59,320 --> 00:30:02,160
Speaker 1: savings in the or what I thought was sixty days

594
00:30:02,440 --> 00:30:07,040
Speaker 1: became thirty because I have an income property and the

595
00:30:07,040 --> 00:30:10,960
Speaker 1: person stopped paying last month. So now that sixty has

596
00:30:11,000 --> 00:30:15,280
Speaker 1: become a thirty day supply of savings that I've taken

597
00:30:15,320 --> 00:30:18,240
Speaker 1: out of my four to one K. So I'm at

598
00:30:18,280 --> 00:30:21,200
Speaker 1: this point where I'm looking that I'm looking at either

599
00:30:21,840 --> 00:30:26,000
Speaker 1: getting a new job or sticking it out and continuing

600
00:30:26,080 --> 00:30:30,560
Speaker 1: to grow the business which I started last summer. Should

601
00:30:30,640 --> 00:30:33,960
Speaker 1: I just find another job, which honestly makes me want

602
00:30:34,000 --> 00:30:36,680
Speaker 1: to vomit just thinking about it. Or should I keep

603
00:30:36,720 --> 00:30:39,120
Speaker 1: dipping into my four to one k to make ends

604
00:30:39,160 --> 00:30:45,280
Speaker 1: meet while I work on my business? Help? Does that

605
00:30:45,320 --> 00:30:46,720
Speaker 1: all make sense? This is tricky?

606
00:30:47,960 --> 00:30:51,120
Speaker 3: Yeah, yeah, no, it made sense, and my wheels are churning.

607
00:30:51,240 --> 00:30:53,320
Speaker 3: I have a couple of follow up questions and you

608
00:30:53,400 --> 00:30:54,840
Speaker 3: may not have the answer to it. But since this

609
00:30:55,000 --> 00:30:57,280
Speaker 3: was someone in the coaching maybe they shared with this

610
00:30:57,760 --> 00:30:59,240
Speaker 3: what were they doing before?

611
00:31:00,320 --> 00:31:02,280
Speaker 1: I don't want to give too much away just to

612
00:31:02,280 --> 00:31:04,640
Speaker 1: like keep her anonymous, but like, yeah, just like yeah,

613
00:31:04,800 --> 00:31:08,640
Speaker 1: like broadly working at a corporation, working for a big corporation,

614
00:31:08,800 --> 00:31:11,960
Speaker 1: kind of regular nine regular, nine to five. It wasn't

615
00:31:12,000 --> 00:31:14,520
Speaker 1: like a traveling nurse, no, no, no, regular nine to

616
00:31:14,600 --> 00:31:17,240
Speaker 1: five with the benefits and all of that. And was

617
00:31:17,320 --> 00:31:19,080
Speaker 1: let go. So you know, when you're let go, you

618
00:31:19,160 --> 00:31:23,000
Speaker 1: get those unemployment checks if you're not giving severance. And

619
00:31:23,120 --> 00:31:25,960
Speaker 1: had launched the business around the same time, and it's

620
00:31:26,000 --> 00:31:30,080
Speaker 1: like an online sort of course type of business, but

621
00:31:30,200 --> 00:31:33,320
Speaker 1: had just started, like just started, had the had the

622
00:31:33,320 --> 00:31:35,640
Speaker 1: content out there, was just building a community, had a

623
00:31:35,640 --> 00:31:39,480
Speaker 1: couple of sales and had and then over that time,

624
00:31:39,960 --> 00:31:42,840
Speaker 1: you know, in that launch, had realized like, I don't

625
00:31:42,840 --> 00:31:46,080
Speaker 1: really love doing this. So the business itself is not

626
00:31:46,120 --> 00:31:50,320
Speaker 1: super mature. It's very like much in its infancy. Okay,

627
00:31:50,360 --> 00:31:51,320
Speaker 1: that was my next question.

628
00:31:52,480 --> 00:31:55,840
Speaker 2: And then my other question would be did she give.

629
00:31:55,720 --> 00:32:01,120
Speaker 3: Any uh specifics on this income property, like it is

630
00:32:01,120 --> 00:32:02,760
Speaker 3: it something that she's had for a long time or.

631
00:32:02,720 --> 00:32:04,600
Speaker 1: Is it something that's new that I don't know?

632
00:32:05,600 --> 00:32:11,800
Speaker 3: Okay, all right, anonymous friend, you and I have a

633
00:32:11,800 --> 00:32:16,160
Speaker 3: lot in common. You sound like me in twenty when

634
00:32:16,280 --> 00:32:21,720
Speaker 3: was it twenty fifteen? So I similarly decided I wanted

635
00:32:21,720 --> 00:32:26,080
Speaker 3: to be an entrepreneur. I also had an income property

636
00:32:26,240 --> 00:32:30,520
Speaker 3: that I was dealing with, and I had started a

637
00:32:30,920 --> 00:32:33,959
Speaker 3: not this business, interestingly, but a retail business that actually

638
00:32:33,960 --> 00:32:40,280
Speaker 3: required me to physically be present. And so I feel

639
00:32:40,640 --> 00:32:42,560
Speaker 3: a lot of what you're here, what I'm hearing. Also

640
00:32:42,600 --> 00:32:44,320
Speaker 3: did the eat, pray love thing for a bit, I

641
00:32:44,360 --> 00:32:45,960
Speaker 3: was just like, oh my gosh, I'm out of corporate

642
00:32:46,000 --> 00:32:48,400
Speaker 3: whoa like, let me go to all the things?

643
00:32:49,480 --> 00:32:51,440
Speaker 2: You know, went to Mexico like three times during that

644
00:32:51,760 --> 00:32:53,320
Speaker 2: during that time. You know, we had a good time.

645
00:32:54,200 --> 00:32:59,040
Speaker 3: So but what I'm hearing, and this may sound and

646
00:32:59,080 --> 00:33:00,800
Speaker 3: everyone can have a different opinion about this, I think

647
00:33:00,800 --> 00:33:02,320
Speaker 3: this is what I love about what you're doing and

648
00:33:02,360 --> 00:33:06,480
Speaker 3: having different perspectives. My opinion, again not knowing, just based

649
00:33:06,520 --> 00:33:08,760
Speaker 3: off what you said, is I think you do need

650
00:33:08,800 --> 00:33:11,240
Speaker 3: to go back and get a job at least in.

651
00:33:11,200 --> 00:33:15,400
Speaker 2: The interim to stabilize.

652
00:33:14,520 --> 00:33:18,280
Speaker 3: Your financial situation here, because what I'm hearing is that

653
00:33:18,520 --> 00:33:21,320
Speaker 3: there is some risk with the income like it's happening

654
00:33:21,400 --> 00:33:21,680
Speaker 3: right now.

655
00:33:21,720 --> 00:33:23,680
Speaker 2: This is exactly what I tell a lot of income

656
00:33:24,000 --> 00:33:26,320
Speaker 2: real estate investors, me having been one before.

657
00:33:26,400 --> 00:33:28,800
Speaker 3: If you don't have the backup savings to assume some

658
00:33:29,000 --> 00:33:34,560
Speaker 3: level of vacancy, then either we don't have we have

659
00:33:34,600 --> 00:33:36,600
Speaker 3: to focus on building up those savings, or we don't.

660
00:33:36,840 --> 00:33:39,960
Speaker 3: We shouldn't be in this business because that's inevitable. People

661
00:33:39,960 --> 00:33:41,400
Speaker 3: are like, oh, I'll just always have it rented out

662
00:33:41,400 --> 00:33:42,920
Speaker 3: all the time. I have a client right now who's

663
00:33:42,960 --> 00:33:45,120
Speaker 3: just like, bought a new investment property and she hasn't

664
00:33:45,160 --> 00:33:47,120
Speaker 3: been able to get it rented out for three months

665
00:33:47,280 --> 00:33:50,560
Speaker 3: and is just carrying the mortgage for it. Right So,

666
00:33:51,800 --> 00:33:54,360
Speaker 3: from that perspective, knowing that you have this income property.

667
00:33:54,440 --> 00:33:59,240
Speaker 3: It doesn't sound like the online course business is going

668
00:33:59,240 --> 00:34:02,440
Speaker 3: the way that we had initially thought. And don't get

669
00:34:02,440 --> 00:34:05,600
Speaker 3: me wrong, I love online course businesses. That's essentially the

670
00:34:05,600 --> 00:34:08,200
Speaker 3: business that I run, which next year will cross over

671
00:34:08,320 --> 00:34:09,080
Speaker 3: its first.

672
00:34:08,840 --> 00:34:10,120
Speaker 2: Million dollars of revenue.

673
00:34:10,400 --> 00:34:14,839
Speaker 3: But the bulk of where I've made the money has

674
00:34:14,920 --> 00:34:17,680
Speaker 3: been in the last three years. And I've been doing

675
00:34:17,760 --> 00:34:21,560
Speaker 3: this like since twenty sixteen, so that's a long runway.

676
00:34:21,800 --> 00:34:23,879
Speaker 3: You'll hear a lot of stories of people who are like, oh,

677
00:34:23,920 --> 00:34:26,040
Speaker 3: I'm making like twenty K, fifty K, one hundred K

678
00:34:26,120 --> 00:34:27,839
Speaker 3: a month and like this online course and you can

679
00:34:27,840 --> 00:34:29,800
Speaker 3: do it too, which is great, but that's not the

680
00:34:29,880 --> 00:34:31,040
Speaker 3: vast majority of people.

681
00:34:31,239 --> 00:34:36,919
Speaker 1: And is it consistent? Is it fifty thousand dollars every month? Yes?

682
00:34:37,160 --> 00:34:38,279
Speaker 3: Like I see a lot of people are like, oh,

683
00:34:38,280 --> 00:34:39,680
Speaker 3: I just had a seventy two K month, but it

684
00:34:39,680 --> 00:34:41,600
Speaker 3: was the only seventy two K month they've ever had,

685
00:34:41,600 --> 00:34:44,400
Speaker 3: and the other months were like two hundred dollars. So

686
00:34:45,040 --> 00:34:48,120
Speaker 3: I've only myself personally have gotten into a consistent cadence

687
00:34:48,160 --> 00:34:51,120
Speaker 3: of twenty K a month in the last eighteen months.

688
00:34:51,560 --> 00:34:52,040
Speaker 2: Right, So.

689
00:34:53,680 --> 00:34:57,080
Speaker 3: What I also want to say, though, in this I

690
00:34:57,120 --> 00:34:59,840
Speaker 3: hope this is very clear to people. There is no shame,

691
00:35:00,120 --> 00:35:03,439
Speaker 3: there is no guilt, there's nothing wrong with saying, hey,

692
00:35:03,480 --> 00:35:05,319
Speaker 3: I try this thing, and good for you, Like, I'm

693
00:35:05,320 --> 00:35:06,880
Speaker 3: so proud of you that you tried this thing. You

694
00:35:06,920 --> 00:35:09,680
Speaker 3: did your eprey love, you did all the things that

695
00:35:09,680 --> 00:35:12,560
Speaker 3: people told you that would help you become wealthy. But

696
00:35:13,800 --> 00:35:17,960
Speaker 3: I'm gonna guess that if the business hasn't taken off

697
00:35:18,040 --> 00:35:20,919
Speaker 3: the way that we thought, that it's going to either

698
00:35:20,960 --> 00:35:22,600
Speaker 3: take more time or it's going to have to take

699
00:35:22,600 --> 00:35:25,400
Speaker 3: more effort from you. And that's just that's a privilege

700
00:35:25,400 --> 00:35:27,600
Speaker 3: that we might not have if we only have thirty.

701
00:35:27,400 --> 00:35:28,640
Speaker 2: Days of savings left in the bank.

702
00:35:29,239 --> 00:35:31,839
Speaker 1: Whoo well, I kind of I set you up there

703
00:35:31,880 --> 00:35:33,600
Speaker 1: because I didn't want I didn't tell you what I

704
00:35:33,640 --> 00:35:37,839
Speaker 1: had told her during coaching because I found it really

705
00:35:37,920 --> 00:35:41,040
Speaker 1: challenging because i'm you know, obviously you're in my community.

706
00:35:41,080 --> 00:35:44,319
Speaker 1: It's Mandy money makers, and I am and I think

707
00:35:44,360 --> 00:35:46,560
Speaker 1: you too, Like I want women to think that they

708
00:35:46,560 --> 00:35:49,040
Speaker 1: can accomplish anything, and that if you have this dream

709
00:35:49,040 --> 00:35:51,160
Speaker 1: to start a business, like you can do it. But

710
00:35:51,239 --> 00:35:54,000
Speaker 1: when I heard and I have been hearing about her situation,

711
00:35:54,160 --> 00:35:55,800
Speaker 1: I had to do. I had to tell her the

712
00:35:55,840 --> 00:35:57,840
Speaker 1: same thing you did, which was, you know, I think

713
00:35:58,040 --> 00:35:59,799
Speaker 1: this may not be what you want to hear, but

714
00:36:00,080 --> 00:36:04,440
Speaker 1: a bridge job sounds like something right now because even

715
00:36:04,800 --> 00:36:07,319
Speaker 1: and I just I love that you have, you know,

716
00:36:07,440 --> 00:36:10,040
Speaker 1: been transparent and candidate enough to tell the truth. Like

717
00:36:10,640 --> 00:36:14,080
Speaker 1: eight years of work and three of those have been like, yes,

718
00:36:14,120 --> 00:36:16,759
Speaker 1: we're turning a profit. Yes, I'm a badass, like and

719
00:36:16,800 --> 00:36:20,760
Speaker 1: then eighteen months, twenty k month solid like it, especially

720
00:36:20,760 --> 00:36:22,960
Speaker 1: when you're doing that type of business whereas you're a

721
00:36:22,960 --> 00:36:25,880
Speaker 1: solo preneur, you're not selling a product or you know,

722
00:36:25,960 --> 00:36:28,120
Speaker 1: starting a big firm that's going to sell a product.

723
00:36:28,280 --> 00:36:31,960
Speaker 1: You know, like, there's there's an element to this solopreneurial

724
00:36:32,080 --> 00:36:35,560
Speaker 1: journey that is slow and you need time to iterate

725
00:36:35,719 --> 00:36:38,680
Speaker 1: like I, and it's it's not like she failed. Like

726
00:36:38,880 --> 00:36:41,520
Speaker 1: you started a business and you found out, oh I

727
00:36:41,560 --> 00:36:43,640
Speaker 1: don't love the way I set that up. So then

728
00:36:43,680 --> 00:36:46,560
Speaker 1: you have time and you keep changing it until it

729
00:36:46,600 --> 00:36:49,680
Speaker 1: becomes something that you do enjoy or maybe you love it.

730
00:36:49,760 --> 00:36:53,080
Speaker 1: But your community didn't need it, you know, it wasn't

731
00:36:53,080 --> 00:36:55,040
Speaker 1: the product that they were looking for, the service. They

732
00:36:55,040 --> 00:36:58,400
Speaker 1: were looking for. And I had the reason I was

733
00:36:58,440 --> 00:37:01,000
Speaker 1: able to build the Mandy money Maker from twenty twenty

734
00:37:01,000 --> 00:37:03,799
Speaker 1: one to now is because I had you know, like

735
00:37:03,960 --> 00:37:06,800
Speaker 1: six figures in the bank where I could like float myself.

736
00:37:06,880 --> 00:37:09,480
Speaker 1: That's all I played and figured it out, and that

737
00:37:09,600 --> 00:37:13,560
Speaker 1: was a huge privilege for me. And I just don't

738
00:37:13,600 --> 00:37:17,640
Speaker 1: want to I don't I don't want anyone to get

739
00:37:17,640 --> 00:37:20,560
Speaker 1: the impression that like this is an overnight thing, or

740
00:37:20,600 --> 00:37:24,040
Speaker 1: I can just take this course or you know, put

741
00:37:24,080 --> 00:37:26,400
Speaker 1: the put the put one step in the right direction

742
00:37:26,480 --> 00:37:30,000
Speaker 1: and like things will start to flow there. There's time.

743
00:37:30,120 --> 00:37:34,680
Speaker 1: You need time and patience and grit to get through

744
00:37:34,680 --> 00:37:38,600
Speaker 1: those lean months and nine to five entrepreneurial at the

745
00:37:38,640 --> 00:37:44,080
Speaker 1: same time, nine to five entrepreneurs out there, you're not failing.

746
00:37:44,120 --> 00:37:48,400
Speaker 1: You're not you know, you're not scared, You're not like

747
00:37:48,880 --> 00:37:51,600
Speaker 1: lacking any courage by continuing to work nine to five.

748
00:37:51,760 --> 00:37:55,680
Speaker 1: You're effing smart, and you live in the real fucking world.

749
00:37:56,120 --> 00:38:00,080
Speaker 1: Like them bills, them tenants, you're not paying like real

750
00:38:01,120 --> 00:38:03,920
Speaker 1: just doesn't always align with what we need to get

751
00:38:03,960 --> 00:38:09,600
Speaker 1: things done unless you've got outside financing investors, you know, loans, grants,

752
00:38:09,640 --> 00:38:12,239
Speaker 1: that type of thing, which, like you mentioned before, it's

753
00:38:12,320 --> 00:38:16,719
Speaker 1: really hard for women of color to acquire sometimes absolutely.

754
00:38:17,000 --> 00:38:19,560
Speaker 3: And you know, there's two things that I that is

755
00:38:19,560 --> 00:38:21,000
Speaker 3: coming up for me on this conversation.

756
00:38:21,160 --> 00:38:23,080
Speaker 1: Also, is I.

757
00:38:23,040 --> 00:38:25,759
Speaker 3: Did that I had to take a bridge job because

758
00:38:25,760 --> 00:38:29,160
Speaker 3: I've been doing this since twenty sixteen. So for a

759
00:38:29,200 --> 00:38:32,320
Speaker 3: couple of years, I was working as a contract recruiter

760
00:38:32,480 --> 00:38:35,359
Speaker 3: on the side while I was building these businesses so

761
00:38:35,400 --> 00:38:38,600
Speaker 3: that I could have the stable income to at least

762
00:38:38,640 --> 00:38:41,160
Speaker 3: make sure that my mortgage was paid and that my

763
00:38:41,320 --> 00:38:42,919
Speaker 3: food was paid and all that stuff, so I would

764
00:38:42,960 --> 00:38:46,319
Speaker 3: have the actual creative energy to go and figure out

765
00:38:46,400 --> 00:38:49,840
Speaker 3: how to iterate on what is now you know, Crush

766
00:38:49,880 --> 00:38:52,040
Speaker 3: your Money Goals. And the beginning Crush your Money Goals

767
00:38:52,040 --> 00:38:53,920
Speaker 3: wasn't Crush your Money Goals. It was actually called the

768
00:38:53,960 --> 00:38:57,879
Speaker 3: Debt Crushers, and it was a completely different program than

769
00:38:57,880 --> 00:38:58,560
Speaker 3: what it is now.

770
00:38:59,320 --> 00:39:01,600
Speaker 2: Crushers, you know exactly.

771
00:39:01,640 --> 00:39:03,359
Speaker 3: That was you know, that was one of those things

772
00:39:03,360 --> 00:39:05,640
Speaker 3: that we like, we changed our branding right because we

773
00:39:05,719 --> 00:39:07,120
Speaker 3: figured out that was it the best.

774
00:39:07,120 --> 00:39:09,560
Speaker 1: Was the the brand like a mallet or like a

775
00:39:10,719 --> 00:39:11,280
Speaker 1: some weapon.

776
00:39:11,360 --> 00:39:12,879
Speaker 2: It was like a punch in the face. It was

777
00:39:12,920 --> 00:39:14,120
Speaker 2: it was literally like a little.

778
00:39:13,880 --> 00:39:17,680
Speaker 1: Fist and look at you, like with the pigtails I'm like,

779
00:39:17,680 --> 00:39:18,759
Speaker 1: there's no way, come on now.

780
00:39:19,680 --> 00:39:20,880
Speaker 2: Yeah, it just was.

781
00:39:21,000 --> 00:39:24,279
Speaker 3: It wasn't it, right, So so having a bridge job

782
00:39:24,320 --> 00:39:25,279
Speaker 3: and it's not to say you're going to be in

783
00:39:25,360 --> 00:39:29,160
Speaker 3: it forever. So I did that for two years and

784
00:39:29,239 --> 00:39:31,879
Speaker 3: then was able to really leap into my business full time.

785
00:39:31,920 --> 00:39:34,160
Speaker 3: So that was how I decided to do it. But

786
00:39:34,200 --> 00:39:36,759
Speaker 3: there's two other things that I think is worth noting

787
00:39:36,800 --> 00:39:41,759
Speaker 3: in this particular case study. Is not to say, because

788
00:39:41,800 --> 00:39:43,920
Speaker 3: I really do believe there is opportunity. I have clients

789
00:39:43,960 --> 00:39:46,400
Speaker 3: who are also building coaching businesses and courses and all

790
00:39:46,440 --> 00:39:48,719
Speaker 3: the other stuff, but I will say it is more

791
00:39:48,840 --> 00:39:52,080
Speaker 3: saturated than it was when Mandy and I started in

792
00:39:52,120 --> 00:39:53,440
Speaker 3: twenty twenty and twenty twenty one.

793
00:39:53,520 --> 00:39:54,760
Speaker 2: There are just a lot more people.

794
00:39:55,239 --> 00:39:57,600
Speaker 3: So not only do you have to put in the

795
00:39:57,640 --> 00:39:59,840
Speaker 3: grit and all of the other stuff, but there is

796
00:39:59,880 --> 00:40:01,600
Speaker 3: just truthfully, there's just.

797
00:40:01,520 --> 00:40:03,319
Speaker 2: More competition right now than there was.

798
00:40:03,360 --> 00:40:05,840
Speaker 3: There wasn't a lot of There wasn't as many, like

799
00:40:05,880 --> 00:40:08,360
Speaker 3: and if you think about Mandy and like when starting

800
00:40:08,560 --> 00:40:11,719
Speaker 3: Brown Ambition, like years and years and years ago, right like,

801
00:40:11,920 --> 00:40:13,880
Speaker 3: look how many podcasts there are now, But Mandy is

802
00:40:13,880 --> 00:40:15,759
Speaker 3: in the top of the podcasters because she's been at

803
00:40:15,800 --> 00:40:17,000
Speaker 3: it for several years now.

804
00:40:17,120 --> 00:40:20,080
Speaker 2: There's very few podcasts that just started a year ago

805
00:40:20,120 --> 00:40:21,759
Speaker 2: and then completely blew up and monetized.

806
00:40:21,800 --> 00:40:24,520
Speaker 1: And unless you're Travis Kelsey's sister in law or whatever

807
00:40:24,560 --> 00:40:26,120
Speaker 1: she is, that lady, she's.

808
00:40:25,960 --> 00:40:29,640
Speaker 2: Doing great, exactly Like, unless you're that person.

809
00:40:29,719 --> 00:40:31,200
Speaker 1: Yeah, the rest of us have to work for.

810
00:40:31,239 --> 00:40:34,000
Speaker 2: Years in years and build that credibility with our audience.

811
00:40:34,200 --> 00:40:39,160
Speaker 1: That is the not the norm. It's an exception. It's

812
00:40:39,239 --> 00:40:43,319
Speaker 1: tough sometimes to give that grounded real It's like the

813
00:40:43,440 --> 00:40:46,040
Speaker 1: challenge all the time is like how much am I

814
00:40:46,160 --> 00:40:48,319
Speaker 1: there to like champion and cheer on and how much

815
00:40:48,360 --> 00:40:50,960
Speaker 1: am I there to also give a dose of like reality.

816
00:40:51,280 --> 00:40:55,880
Speaker 1: And you know, and thanks for mentioning the contract position

817
00:40:55,920 --> 00:40:58,880
Speaker 1: that you had. You know, Brown Ambition has been my

818
00:40:58,880 --> 00:41:01,839
Speaker 1: my like secure in terms of like when that when

819
00:41:01,880 --> 00:41:04,960
Speaker 1: I was done, you know, with the savings. Then luckily

820
00:41:05,000 --> 00:41:08,200
Speaker 1: that was coinciding with Brand Ambition making really good money

821
00:41:09,080 --> 00:41:12,320
Speaker 1: to where I'm like, okay, well this is diversified income

822
00:41:12,360 --> 00:41:14,360
Speaker 1: streams and now it's not all on the business. I

823
00:41:14,360 --> 00:41:16,399
Speaker 1: also had this podcast brand. And that's not to say

824
00:41:16,440 --> 00:41:18,280
Speaker 1: go start a podcast and it can be your passive

825
00:41:18,280 --> 00:41:21,600
Speaker 1: income because that shit takes time too, So I'm saying,

826
00:41:21,640 --> 00:41:23,799
Speaker 1: like we started the podcast in twenty fifteen, we didn't

827
00:41:23,800 --> 00:41:26,439
Speaker 1: start making money making money until twenty eighteen. And even

828
00:41:26,480 --> 00:41:29,279
Speaker 1: then it would be like we would not accrue, we

829
00:41:29,280 --> 00:41:31,239
Speaker 1: wouldn't cash any of our money in. At the end

830
00:41:31,320 --> 00:41:33,680
Speaker 1: of the year, we'd each have like twenty k, you know,

831
00:41:34,160 --> 00:41:36,640
Speaker 1: and it'd be like, Yay, happy Christmas. Here's twenty k

832
00:41:36,680 --> 00:41:39,600
Speaker 1: from the BA bank account. And that was how it

833
00:41:39,719 --> 00:41:41,520
Speaker 1: was for you know, even a few years, I would say,

834
00:41:41,600 --> 00:41:44,880
Speaker 1: until twenty twenty one or so when we could actually

835
00:41:44,880 --> 00:41:48,239
Speaker 1: start like doing monthly draws and all of that. So, yes,

836
00:41:49,520 --> 00:41:51,840
Speaker 1: it's not a fun answer, but it also is I

837
00:41:51,880 --> 00:41:53,600
Speaker 1: hope it gives hope too, because it's like, if you

838
00:41:53,640 --> 00:41:56,960
Speaker 1: work hard and long and consistently, you can see success,

839
00:41:57,040 --> 00:42:00,120
Speaker 1: but it may be a little bit of like every

840
00:42:00,120 --> 00:42:04,319
Speaker 1: thing everywhere all at once where you're doing. I know,

841
00:42:04,360 --> 00:42:07,520
Speaker 1: you said we're bad at multitasking, but you know, sometimes

842
00:42:07,640 --> 00:42:11,280
Speaker 1: for survival's sake, a little nine to five or contract

843
00:42:11,280 --> 00:42:16,880
Speaker 1: work here, little passive income from an income property there. Yeah,

844
00:42:16,920 --> 00:42:19,320
Speaker 1: and then trying out of business and just like giving

845
00:42:19,360 --> 00:42:22,520
Speaker 1: your space to try things. And you also mentioned the

846
00:42:22,560 --> 00:42:28,640
Speaker 1: creative energy right, Like, when you're so stressed by financial situation,

847
00:42:28,760 --> 00:42:33,080
Speaker 1: speaking from experience as your husband, it's so hard to

848
00:42:33,120 --> 00:42:35,759
Speaker 1: then just like sit down and just like dream and

849
00:42:35,840 --> 00:42:40,279
Speaker 1: IV eight and like you need that, like you need

850
00:42:40,280 --> 00:42:43,560
Speaker 1: that mental space and mental flexibility that you've Like, it's

851
00:42:43,760 --> 00:42:46,160
Speaker 1: becomes really challenging when you're so stressed about money.

852
00:42:47,120 --> 00:42:48,000
Speaker 2: That's exactly right.

853
00:42:48,080 --> 00:42:50,640
Speaker 3: And in this particular case, the other thought that came

854
00:42:50,680 --> 00:42:53,479
Speaker 3: into my mind was, you know, you need at least

855
00:42:53,520 --> 00:42:56,239
Speaker 3: one stable source of income right now that will at

856
00:42:56,360 --> 00:43:00,839
Speaker 3: least cover your basic bills. And between this baby business,

857
00:43:00,880 --> 00:43:04,239
Speaker 3: this income property and get going back to a bridge shop.

858
00:43:04,280 --> 00:43:06,480
Speaker 2: I love that you called it a bridge shop. Is

859
00:43:07,200 --> 00:43:08,400
Speaker 2: the bridge job is probably.

860
00:43:08,200 --> 00:43:09,960
Speaker 3: The fastest path to that, because I'm going to even

861
00:43:09,960 --> 00:43:12,520
Speaker 3: guess on the investment property that it's not going to cover.

862
00:43:12,960 --> 00:43:15,359
Speaker 2: Your mortgage and their mortgage and.

863
00:43:15,080 --> 00:43:17,000
Speaker 3: Your other bills and stuff. It might just be paying

864
00:43:17,000 --> 00:43:19,120
Speaker 3: for itself in a little bit of extra unless you

865
00:43:19,120 --> 00:43:22,239
Speaker 3: tell me. It's just like you somehow beat the rest

866
00:43:22,239 --> 00:43:23,080
Speaker 3: of the market.

867
00:43:23,560 --> 00:43:24,359
Speaker 2: On that right now.

868
00:43:24,400 --> 00:43:26,759
Speaker 3: And so for myself, I said, I'm very similar to you,

869
00:43:26,840 --> 00:43:30,120
Speaker 3: is that I also had an investment property, and when

870
00:43:30,160 --> 00:43:33,239
Speaker 3: I decided that I was going to put a lot

871
00:43:33,239 --> 00:43:35,120
Speaker 3: of time and energy and to crush your money goals,

872
00:43:35,320 --> 00:43:36,719
Speaker 3: I decided to sell that property.

873
00:43:37,120 --> 00:43:38,760
Speaker 2: So if you are.

874
00:43:38,680 --> 00:43:40,759
Speaker 3: Saying, you know, I know, I really don't want to

875
00:43:40,800 --> 00:43:42,359
Speaker 3: go back into whatever I was doing because I don't

876
00:43:42,360 --> 00:43:44,680
Speaker 3: know what you were doing before. It sounds like you

877
00:43:44,719 --> 00:43:46,759
Speaker 3: have an asset that you could potentially sell if you

878
00:43:46,800 --> 00:43:48,640
Speaker 3: really believe that this is the business that you want

879
00:43:48,640 --> 00:43:49,240
Speaker 3: to go into.

880
00:43:49,920 --> 00:43:51,120
Speaker 2: And that's the route that I took too.

881
00:43:51,280 --> 00:43:53,279
Speaker 3: Was like I took the bridge shop and then I

882
00:43:53,320 --> 00:43:57,120
Speaker 3: still needed more capital to be able to grow crush

883
00:43:57,120 --> 00:43:58,719
Speaker 3: your money goals to what it is now, and I

884
00:43:58,760 --> 00:44:01,440
Speaker 3: sold my real estate investment. I sold that position and

885
00:44:01,600 --> 00:44:06,480
Speaker 3: use that money as the investment into this amazing business

886
00:44:06,520 --> 00:44:08,400
Speaker 3: owned by a woman of color. That business just happened

887
00:44:08,400 --> 00:44:12,080
Speaker 3: to be mine. Yeah, And so that's another option to

888
00:44:12,120 --> 00:44:12,840
Speaker 3: think about.

889
00:44:13,120 --> 00:44:15,759
Speaker 1: Absolutely, like whether it's savings or for one K loan,

890
00:44:15,840 --> 00:44:18,000
Speaker 1: it's like, this is the seed money for your business

891
00:44:18,000 --> 00:44:20,800
Speaker 1: to like take it seriously and actually use it to invest.

892
00:44:20,840 --> 00:44:24,960
Speaker 1: And thank you for that perspective. I yeah, I love

893
00:44:25,000 --> 00:44:27,239
Speaker 1: doing these with another point of view. I just feel

894
00:44:27,320 --> 00:44:30,720
Speaker 1: like it's better. It Also it also takes the pressure

895
00:44:30,719 --> 00:44:33,520
Speaker 1: off because it just like takes away that illusion that

896
00:44:33,560 --> 00:44:36,680
Speaker 1: any one person can have the answer, and how you

897
00:44:36,719 --> 00:44:38,560
Speaker 1: have to kind of listen to different perspectives and then

898
00:44:38,560 --> 00:44:39,520
Speaker 1: at the end of the day, you have to do

899
00:44:39,520 --> 00:44:42,200
Speaker 1: what's best for you. And you know, if you can

900
00:44:42,239 --> 00:44:45,040
Speaker 1: tolerate a lot of stress, and you know, maybe that's

901
00:44:45,080 --> 00:44:47,279
Speaker 1: a cool story someday I lived off my four one

902
00:44:47,360 --> 00:44:49,120
Speaker 1: K for a year and then my business blew up,

903
00:44:49,160 --> 00:44:52,719
Speaker 1: and like, that's an incredible story. But yeah, it's also

904
00:44:52,719 --> 00:44:56,399
Speaker 1: good to get these other povs. So Bernadette joy full

905
00:44:56,520 --> 00:45:00,319
Speaker 1: name stop. Thank you for joining me on the BA

906
00:45:00,400 --> 00:45:04,759
Speaker 1: Thanks for listening to BA FAM's questions. Congratulations on the

907
00:45:04,800 --> 00:45:08,440
Speaker 1: book you guys again. It's called Crush Your Money Goals,

908
00:45:08,560 --> 00:45:11,239
Speaker 1: twenty five smart habits to save, invest and fast track

909
00:45:11,280 --> 00:45:14,440
Speaker 1: your financial freedom. Bernadette, Where can people find you so

910
00:45:14,480 --> 00:45:16,560
Speaker 1: they can get the book and sign up for Crush

911
00:45:16,600 --> 00:45:17,840
Speaker 1: Club and all that fun stuff.

912
00:45:18,840 --> 00:45:19,920
Speaker 2: Thank you so much for having me.

913
00:45:19,960 --> 00:45:23,319
Speaker 3: This was so much fun. I loved hearing these specific examples.

914
00:45:23,960 --> 00:45:26,320
Speaker 3: You can find me at Crush your Money Goals dot com.

915
00:45:26,440 --> 00:45:29,080
Speaker 3: That's where the book and our boot camp is coming up.

916
00:45:29,160 --> 00:45:33,359
Speaker 3: We also host investing classes if you're interested in learning

917
00:45:33,360 --> 00:45:37,759
Speaker 3: about how to invest with integrity and if you want

918
00:45:37,760 --> 00:45:40,160
Speaker 3: to hang out with me on social media, I'm primarily

919
00:45:40,280 --> 00:45:43,760
Speaker 3: on Instagram at Bernadette Joyce spelled with the word debt

920
00:45:43,960 --> 00:45:47,040
Speaker 3: and then on YouTube with the same handle.

921
00:45:47,600 --> 00:45:50,880
Speaker 1: Yay, all right, BA fam, Fine Bernadette, let her know

922
00:45:50,960 --> 00:45:53,120
Speaker 1: that we sent you, let her know you're part of

923
00:45:53,120 --> 00:45:58,799
Speaker 1: the BA fam. And happy Almost Christmas, Happy holidays. I

924
00:45:58,840 --> 00:46:00,799
Speaker 1: hope you guys are well. I hope you have some

925
00:46:01,040 --> 00:46:05,880
Speaker 1: rest and recharging on the calendar for yourself in this season.

926
00:46:06,080 --> 00:46:14,080
Speaker 1: And I guess I'll see y'all next year. Iba vam