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Speaker 1: next gets the founder and CEO of my Financial Home

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Speaker 1: Enterprise and global financial consultancy firm providing comprehensive accounting, tax

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Speaker 1: and financial management services for businesses and individuals. The Women

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Speaker 1: of Wealth dubbed her wealth Builder Extraordinaire and she was

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Speaker 1: awarded a President's Lifetime Achievement Award by President of Barack Obama.

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Speaker 1: Please welcome to the Money Making Conversation. Dr Cosette White,

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Speaker 1: Good morning. How's everyone doing? How are you? Rashaan? Well?

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Speaker 1: Good because you know you can say everyone, because I

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Speaker 1: got my booth is packed in here. You know you're

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Speaker 1: you're only gonna be talking to me though, But they're

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Speaker 1: staring at me though. They making sure you don't make

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Speaker 1: any mistakes. You know. They get pushing buttons and closing

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Speaker 1: curtains so I won't sweat in the booth, you know,

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Speaker 1: because the outdoor light gets too heavy on me. It's

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Speaker 1: too hot. Give me some what, Give me some what?

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Speaker 1: So it's great. I finally got you a much show.

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Speaker 1: I always see you on LinkedIn. I search your profile

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Speaker 1: to see what you're doing this wide So tell me,

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Speaker 1: tell everybody what you do, and then we're gonna get

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Speaker 1: a detail about number of questions that I have outlined

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Speaker 1: that I'm going to ask you about. Tell us about Yes,

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Speaker 1: I love this well, Dr cosettem White. I help individuals

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Speaker 1: gain clarity and focus with their finances. I also help

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Speaker 1: thousands of taxpayers who owe the I r s but

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Speaker 1: simply can't afford to pay the I r s. So

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Speaker 1: I provide benefits such as pain and relief um from

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Speaker 1: the I r S and just help individuals regain their

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Speaker 1: normal sleep habits back by helping them reduce that tax liability.

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Speaker 1: I'm also an author of Unveiling the Mask as well

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Speaker 1: as a best selling author of Attracting the Best. So

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Speaker 1: I play with numbers all day. That's what I do.

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Speaker 1: Which what is your degree? En? Then my degree is

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Speaker 1: a mathematics I will admit I don't play with numbers

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Speaker 1: all day. If you give me a math problem, I

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Speaker 1: might get in the fight with you because you're trying

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Speaker 1: to make me look bad. My my undergraduate degree is

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Speaker 1: in accounting. It's an accounting and then I have my

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Speaker 1: master's degree in business administration. So let me ask you this.

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Speaker 1: When you said people who you said? You said you

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Speaker 1: you do taxes right, and you do taxes with people

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Speaker 1: who owe money? Did you say that yes the I

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Speaker 1: R S. Okay, Now what does that mean? Like? So

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Speaker 1: when I file, you know, my goal is not to owe.

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Speaker 1: How do you wind up owing the I R S? Oh,

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Speaker 1: my goodness. There's a number of different ways that people owe. UM,

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Speaker 1: the I R s they get themselves in trouble. Maybe

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Speaker 1: there are um an entrepreneur employed and maybe they're not

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Speaker 1: paying taxes. They're making the income, but they're not paying

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Speaker 1: the taxes. They're not paying quarterly taxes, they're not paying

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Speaker 1: anything to the internal revenue throughout the year. And then

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Speaker 1: all of a sudden they owe this a big large

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Speaker 1: sum hundred thousand, fifty thousand, you know, whatever that number

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Speaker 1: may look like. And they're not sleeping well because the

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Speaker 1: I R s a sending them notices and knocking on

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Speaker 1: their doors. And we want our money, Like I I

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Speaker 1: have paychecks as a service I use and because if otherwise,

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Speaker 1: I'd probably be a person who owes the government because

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Speaker 1: they take all the money out. They take money out

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Speaker 1: of my account and out of the account they pay

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Speaker 1: the employee and they pay the government that there's taxes

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Speaker 1: that are due to the government. That's a good way

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Speaker 1: to protect yourself, correct, Yes, a very good way. Have that.

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Speaker 1: Have it automatically come out of the check. Now let

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Speaker 1: me let me now, Dr White, I'm that from that

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Speaker 1: personal in trouble. I've come to you and our own money.

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Speaker 1: I don't have any money. What did you do for me?

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Speaker 1: How do you? How do you save a guy who

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Speaker 1: started a small business or an individual who got a

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Speaker 1: live bonus and didn't do the taxes on the bonus

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Speaker 1: like he was supposed to, kept saying he was gonna

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Speaker 1: do it, kept saying she was gonna do it, but

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Speaker 1: they didn't do it. End of the year by all

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Speaker 1: those taxes they or thousand dollars. How do they recover

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Speaker 1: from something like that when they come to you, because

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Speaker 1: they also got to pay for your services exactly, they

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Speaker 1: have to pay for the services. Well, there's something that

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Speaker 1: the I R S caused, the debt forgiveness plan, and

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Speaker 1: there's certain criterias that an individual must fall into in

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Speaker 1: order to uh fall into one of the plans. The

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Speaker 1: first one is, of course, the Offer and Compromise program.

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Speaker 1: Then of course, you know, we can fall into the

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Speaker 1: partial payment installment plans, but who wants to pay partial

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Speaker 1: and partial um partial pay installments? And then there's the

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Speaker 1: penalty of eatement. So when clients come to me, I

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Speaker 1: usually go through an analysis to figure out if they qualify.

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Speaker 1: First of offer any of the programs that forgiveness programs

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Speaker 1: that the I R S is offering, and then from

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Speaker 1: there we look at their financial situation and then do

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Speaker 1: an analysis to say, hey, is this something that the

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Speaker 1: I R S will approve UM. I don't stick a

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Speaker 1: client into any of the pro programs that the I

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Speaker 1: R S offers unless I know that I am going

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Speaker 1: to have a great success rate. My success rate and

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Speaker 1: settling debt is about so if I don't think that

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Speaker 1: I can settle, then I'm not gonna get you through.

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Speaker 1: I'm not gonna even try to play with you. I'm

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Speaker 1: gonna be honest up front and say I don't think

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Speaker 1: we can win with this one. But that's that's what

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Speaker 1: I do. I try to put them in one of

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Speaker 1: the three debt forgiveness programs, so you are honest, you're

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Speaker 1: not there just with all these business to make money,

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Speaker 1: but you're not gonna lead somebody down the rabbit hole

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Speaker 1: like you could do something with them, and you see

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Speaker 1: the odds of them winning. It's just you getting paid

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Speaker 1: or getting them more debt because they owe you now,

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Speaker 1: because they owe the government, They're definitely not gonna pay you.

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Speaker 1: You know what I'm saying. No, you know what one

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Speaker 1: thing with Shawn, I'm all about honesty and integrity in

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Speaker 1: the business that I'm in. It's really about building relationships,

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Speaker 1: and the more positive relationships that I build, the more

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Speaker 1: my business is gonna grow. I'm not gonna lead you

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Speaker 1: down the road pass and say hey, I can get

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Speaker 1: you through this, knowing that I can't. I've been before

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Speaker 1: the iris too many times, so I know what will pass,

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Speaker 1: and I know will what will not pass. Okay, I'll

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Speaker 1: tell you what I love about this interview. Your voice

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Speaker 1: you have that you know, you had that doctor type voice,

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Speaker 1: that bedside manner. You know you you you. If I

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Speaker 1: came at you offer, you would make me believe I'm

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Speaker 1: gonna get my money back. I'm gonna go the government

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Speaker 1: gonna leave me a lot. I'll just tell you the

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Speaker 1: truth now, because I've been noticing that going. I don't

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Speaker 1: know any money I want to I want to sign

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Speaker 1: you up for something. You know, call my white baby,

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Speaker 1: well all anybody, because I met the doctor coach that

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Speaker 1: white ning. I think she I think we can use her. Boy,

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Speaker 1: we don't owe nobody any money. But you need to

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Speaker 1: listen to her voice. Her voice will hypnotize you to

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Speaker 1: believe that you were right and the government was wrong.

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Speaker 1: I say that because you've been called the financial physician exactly,

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Speaker 1: that's exactly. I'm not the only one saying that. People

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Speaker 1: making you laugh, but you've been called the financial physician

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Speaker 1: because of your technique, your style, your bedside manner. Tell

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Speaker 1: me when you get a title like that, what responsibility

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Speaker 1: comes with it? A lot comes with it because when

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Speaker 1: you just think about the words physician, you know people

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Speaker 1: are looking at me in a different manner. So UM, again,

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Speaker 1: as I said, when I was coined the financial physician,

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Speaker 1: it was just one of those things that individuals came

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Speaker 1: to me because I've been able to diagnose the situation, diagnose.

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Speaker 1: It's just being able to diagnose the financial situation and

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Speaker 1: help people get out of the problems that they're in. UM.

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Speaker 1: And we're not just talking about what taxes, we're talking

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Speaker 1: about our business owners who may be stuck in a

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Speaker 1: in a rut as well. Maybe their numbers aren't panning

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Speaker 1: out the way that they want and maybe their their

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Speaker 1: their profit margins aren't where they want them to be.

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Speaker 1: But just being able to really clearly look at the

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Speaker 1: numbers and say, hey, let's shift things a little bit

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Speaker 1: and maybe this this will work. So um, just being

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Speaker 1: able to really really, as I said, diagnosed situations as

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Speaker 1: it relates to money. Rashan, I'm not gonna play around

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Speaker 1: with nothing else but the numbers. This is really interesting

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Speaker 1: because when you came out of college, did you go

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Speaker 1: work for someone that did you go immediately into a

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Speaker 1: small business platform. No. When I came out of college,

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Speaker 1: I worked in corporate America, and actually, truth be told,

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Speaker 1: I stayed in corporate America for twenty years. Um. I

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Speaker 1: had the business as well as working in corporate America.

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Speaker 1: And I kept saying, I need to really get from

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Speaker 1: underneath his corporate job because I have so much, so

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Speaker 1: much talent, you know, God has gifted me, and why

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Speaker 1: am I staying here? But something just kept pulling at

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Speaker 1: me to stay there with corporate and um, eventually I

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Speaker 1: just said, hey, I need to take this jump, and

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Speaker 1: I did. I took the leap, and I stepped out

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Speaker 1: on face and I began to grow the business. Now,

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Speaker 1: let me just say this, in those twenty years, I

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Speaker 1: did leave corporate America, but I wasn't prepared. So I

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Speaker 1: had to step back in. And as I say, I

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Speaker 1: say this all the time, we fall down, but we

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Speaker 1: get up. Um, I had to step back in. I

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Speaker 1: was a single parent, I was going through some situations

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Speaker 1: in my life, and I needed to get back in

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Speaker 1: and and rely on what so many of us do

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Speaker 1: that pro check to pro check, you know. We become

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Speaker 1: co dependent upon it, you know. And so that was

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Speaker 1: me at one point in time. But that's that's why

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Speaker 1: I like my show, because I want people to be honest. Because,

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Speaker 1: you know, a lot of time and entertainment, all you

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Speaker 1: see is the twenty five million dollar contract or the

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Speaker 1: contracts signed by an athlete or a singer. So all

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Speaker 1: the movies blockbusters, but the work to get there, the mistakes,

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Speaker 1: the mistakes, the the that we don't hear about important

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Speaker 1: on this oh, because because their journey. So that's why

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Speaker 1: that's why I'm willing to tell people I have failed.

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Speaker 1: I remember I told my daughter when she was struggling

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Speaker 1: in college. I told her, I gotta If you look

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Speaker 1: at my resume, there is an f for my resume.

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Speaker 1: I go, yeah, but there's also a dean's list on

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Speaker 1: my resume to now dad graduated with a math degree

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Speaker 1: now and work for I b M. So don't don't

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Speaker 1: look at me square when I say that. Now, it's

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Speaker 1: a lot of upside on my resume, but there is

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Speaker 1: a mistake, and I didn't allow that mistake to slow

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Speaker 1: me down. And it's important that people understand that. And

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Speaker 1: when we come back and we'll talk to the to

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Speaker 1: the physician, to financial physicians some more, because our best

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Speaker 1: side manner is incredible. I'm talking to she got a

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Speaker 1: lifetime achieving the ward from the president, President Barack Obama.

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Speaker 1: That's how good years. So I got one on my wall.

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Speaker 1: I know our special I keep the dust off mine, Doc,

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Speaker 1: I keep the dust off mine. When we come back

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Speaker 1: and get bored of what she has to say in

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Speaker 1: her future planning tax strategies keeping people out of debt.

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Speaker 1: You're listening to money making conversation. I'm talking to doctor

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Speaker 1: Becausette White. Hi, this was Sean McDonald. You're listening to

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Speaker 1: money making conversations on the phone. She was dubbed by

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Speaker 1: the Women of Wealth wealth Builders Extraordinaire, and she was

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Speaker 1: awarded a President's Lifetime Achievement Award by President Barack Obama.

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Speaker 1: On the phone? Is a doctor, Cosette White? Still there?

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Speaker 1: Doctor um here? Yes? I am well Doc, I'm tell

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Speaker 1: you some um. You have a new book out called

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Speaker 1: Unveiling the Mask. Is your passionate? Uh called the other

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Speaker 1: victims of domestic violence and substance abuse to stop hiding

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Speaker 1: behind their mask of shame and fear and to step

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Speaker 1: out and embrace the life they have always dreamed up.

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Speaker 1: That's a pretty powerful statement. Why did you write that book? Yes,

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Speaker 1: most definitely I wrote a book Unveiling the Mask because

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Speaker 1: Number one, I just felt it was time for my listeners,

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Speaker 1: my viewers, my community to really know more about me,

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Speaker 1: because that in White um, A lot of times we

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Speaker 1: walk around um or I walk around and people don't

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Speaker 1: did not really know the true story behind me. They

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Speaker 1: to know bits and pieces about me, and so I

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Speaker 1: just felt it was time to be a voice for

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Speaker 1: others that are going through the same or similar situations

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Speaker 1: that I did some years ago, and just to really

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Speaker 1: let them know that there is light at the end

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Speaker 1: of the tunnel with um, you know, resilience, courage, and

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Speaker 1: and just um knowing that that they too can come

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Speaker 1: out of a situation just as I did. Maybe not

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Speaker 1: the same way that I came out of it, but

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Speaker 1: I just wanted to be that voice, especially when I

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Speaker 1: started hearing that so many women and men have walked

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Speaker 1: in the same pair of shoes that I did at

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Speaker 1: one particular time. Um, And so that was my that

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Speaker 1: is my true reasoning for unveiling the mask, And as

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Speaker 1: the book title is, really take that mask off and

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Speaker 1: let everyone know who you are, what situations you've gone

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Speaker 1: through in life, and um, hey they can they can

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Speaker 1: see things a lot clearer, just like you did. You

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Speaker 1: really was it therapeutic for you? Uh? Yeah, I was

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Speaker 1: very therapeutic. But let me just say this. I hesitated

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Speaker 1: on whether or not I really wanted to let the

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Speaker 1: world know what transpired in my life earlier on because

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Speaker 1: I didn't know how people were gonna view me. Um.

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Speaker 1: I started writing the book and then I put it

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Speaker 1: down for a while, and then I you know, reach

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Speaker 1: out to individuals and say, hey, if you were going

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Speaker 1: to do this journey, write your book and let people

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Speaker 1: know the inside of you, how would you feel? And

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Speaker 1: I just have to really get over some some personal

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Speaker 1: things and say, hey, this is your life story, this

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Speaker 1: is what happened, this is the outcome. Tell the world,

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Speaker 1: share the shared with the world, and many people will

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Speaker 1: and um embrace. And so I've as you know, it's

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Speaker 1: only been out less than a month, and the feedback

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Speaker 1: that I've gotten thus far Rashawn has been great. Um.

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Speaker 1: I'm just amazed at so many stories that I've gotten

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Speaker 1: from other individuals that have been in the same situation,

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Speaker 1: um that I've been in. So it's definitely a testimony. Cool.

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Speaker 1: Here's the deal. I don't have that book, and that's

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Speaker 1: I'm mad because I read all my all books that

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Speaker 1: are delivered to me. So I want to bring you

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Speaker 1: back next month on my show after I've read this book.

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Speaker 1: And so we were talk in detail because I don't

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Speaker 1: like I don't like doing glossy interviews like I've actually

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Speaker 1: kind of got read it and kind of like through

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Speaker 1: some through some hyper lines out of your book so

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Speaker 1: you can respond though that I really want to be

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Speaker 1: engaged in the book and ustly understand your emotional journey,

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Speaker 1: because that's important because that is who you are today.

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Speaker 1: That ability to overcome that makes you overcome a lot

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Speaker 1: of things in the future. Also, you talked about the

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Speaker 1: fear of not wanting to lead to corporate corporate life

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Speaker 1: and then you have to go back. That's also in

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Speaker 1: that book, I'm sure, and that doesn't very important to

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Speaker 1: be able to articulate why are you successful today? Let

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Speaker 1: me ask that question to you right now, point blank,

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Speaker 1: why are you successful today? I think this really determination

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Speaker 1: rashaan um not allowing any obstacles to get in my way.

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Speaker 1: I mean, I could go on and on about the

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Speaker 1: because it tell us tell us a few if you

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Speaker 1: don't mind, you know, not to give, but just tell

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Speaker 1: us a couple. But first of all, my parents passed

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Speaker 1: away at the early age. Both of them were murdered.

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Speaker 1: So that was number one. The obstacle I could have

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Speaker 1: been that statistic of saying, oh, here's a woman you

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Speaker 1: know out there un weelfare, not doing well. So that

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Speaker 1: was number one, and that was earlier on number two,

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Speaker 1: just going through the domestic violence, losing the job, and

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Speaker 1: um being out there unwelfare. I say it un weelfare

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Speaker 1: for a period of time, a short period of time, UM,

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Speaker 1: But I was able to overcome that. So when I

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Speaker 1: say I had obstacles in my life, I did have stones,

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Speaker 1: but I didn't allow those to prevent me from moving forward.

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Speaker 1: And that's important that people hear that. That's why I

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Speaker 1: want when I wanted to sharing your story, the honest

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Speaker 1: story on the story that you can you don't. Whatever

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Speaker 1: life is dealing you at that moment, it doesn't have

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Speaker 1: to consistently deal you that consistently. You can overcome it

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Speaker 1: with a plan. When just when life started turning positive

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Speaker 1: for you, did you who did you have around you?

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Speaker 1: What were your what was your little You know that

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Speaker 1: the white the white club that came around and you said,

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Speaker 1: this is the group that's gonna lift me up and

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Speaker 1: tell me I'm important. That tells me I can win

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Speaker 1: because that's what I have now. I didn't have that,

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Speaker 1: and so so I was out there just going in

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Speaker 1: a different directions. But you need that group of people

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Speaker 1: that sit around you, whether it's your wife, your your husband,

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Speaker 1: your sister, your brother, your your pastor your friends, your

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Speaker 1: your children. They keep uplifting who uplifted you? Number one

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Speaker 1: I I turned to God for everything. That's my Number one.

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Speaker 1: I turned to God Number two, I have two friends

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Speaker 1: that I call on for advice all the time. And

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Speaker 1: when I say friends, there in my back pocket. I

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Speaker 1: could call them whenever I want, um, and I can.

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Speaker 1: I know that they're going to give me the sound

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Speaker 1: advice that I need. And um, those are just two

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Speaker 1: friends that I just for whatever I call them. I

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Speaker 1: bounced my ideas off of them, my brainstorm off of them,

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Speaker 1: and I know that they're going to give me the

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Speaker 1: advice that one UM. As I began to grow, and

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Speaker 1: as the business began to grow, and as I began

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Speaker 1: to grow, my circle of friends began to shift and

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Speaker 1: I started relying on a different group of individuals that

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Speaker 1: I could go to and rely on and they would

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Speaker 1: give me their honest feedback on whatever it may be.

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Speaker 1: And I still rely on those group of individuals tell today.

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Speaker 1: So I will say each level that I have progressed

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Speaker 1: and grown, I may have shifted my circles. Know exactly.

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Speaker 1: Club This is a bad club. You're not Miss White, right,

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Speaker 1: I've been watching it. So here's a great thing about

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Speaker 1: I was reading about something he said after financial disaster.

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Speaker 1: You success is absolutely attainable resiliency, discipline, and faith. You

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Speaker 1: don't disaster, I can forget. That's a check up, a

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Speaker 1: word to come back from disaster. How do you come

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Speaker 1: back from disaster through faith, discipline, and resiliency. Let me

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Speaker 1: just say when we talk about disaster, it was disaster

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Speaker 1: for me. It was a younger age. I was a

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Speaker 1: single mom. Like I said, I had lost the job,

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Speaker 1: I was on welfare, I was practically penniless, and I

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Speaker 1: had almost lost my home. So when we say resilience,

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Speaker 1: just stepping out on faith and knowing that, I just

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Speaker 1: knew that I was not going to be that individual

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Speaker 1: that was down on struggle road. As I always say Rashan,

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Speaker 1: I could not just see myself on struggle road. I

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Speaker 1: had to bounce back over to success the road. So

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Speaker 1: when when and even in writing the book, when you

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Speaker 1: look at where I'm at today, the things that I've accomplished,

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Speaker 1: it's just been hard work, dedication, stepping out on faith

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Speaker 1: and and just making things happen. And the thing that

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Speaker 1: um Struggle wrote, I talked about that in my life

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Speaker 1: a lot. You know, because of the fact that even

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Speaker 1: when you're successful, there is struggle road. You know, because

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Speaker 1: of the fact that I relate to when you said,

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Speaker 1: you know you don't often want to tell people m

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