1 00:00:02,960 --> 00:00:06,600 Speaker 1: Welcome to Before Breakfast, a production of iHeartRadio. 2 00:00:08,720 --> 00:00:13,760 Speaker 2: Good Morning, This is Laura. Welcome to the Before Breakfast podcast. 3 00:00:14,360 --> 00:00:17,239 Speaker 2: Today's episode is going to be a longer one part 4 00:00:17,280 --> 00:00:20,000 Speaker 2: of the series where I interview fascinating people about how 5 00:00:20,000 --> 00:00:22,560 Speaker 2: they take their days from great to awesome and any 6 00:00:22,560 --> 00:00:25,120 Speaker 2: advice they have for the rest of us. So today, 7 00:00:25,120 --> 00:00:28,040 Speaker 2: I am delighted to welcome Farnush to Robbie to Before Breakfast. 8 00:00:28,240 --> 00:00:30,240 Speaker 1: Farnush is a personal. 9 00:00:29,840 --> 00:00:33,159 Speaker 2: Finance expert, host of the So Money podcast, author of 10 00:00:33,200 --> 00:00:36,360 Speaker 2: many books, including A Healthy State of Panic and psych 11 00:00:36,440 --> 00:00:37,040 Speaker 2: Yourself Rich. 12 00:00:37,080 --> 00:00:38,520 Speaker 1: So Farnush, welcome to the show. 13 00:00:39,159 --> 00:00:41,480 Speaker 3: Thank you, It's so great to be here and reconnect. 14 00:00:41,760 --> 00:00:44,080 Speaker 2: Yeah, I'm excited to chat with you again. Why don't 15 00:00:44,120 --> 00:00:45,879 Speaker 2: you tell our listeners a little bit about yourself? 16 00:00:46,800 --> 00:00:47,720 Speaker 3: Well, I am. 17 00:00:47,920 --> 00:00:50,640 Speaker 4: For twenty over twenty years, I've been working as a 18 00:00:50,720 --> 00:00:56,720 Speaker 4: financial journalist and content creator educator. I started as a journalist, 19 00:00:56,720 --> 00:00:59,120 Speaker 4: but really the work has expanded to all sorts of 20 00:00:59,800 --> 00:01:04,920 Speaker 4: care communication around financial literacy. I have a podcast as well, 21 00:01:04,959 --> 00:01:08,400 Speaker 4: I've written books, I speak, and I'm also a wife 22 00:01:08,440 --> 00:01:09,000 Speaker 4: and a mom. 23 00:01:09,240 --> 00:01:12,319 Speaker 3: I I you know, I'm not doing it all, but 24 00:01:13,120 --> 00:01:14,000 Speaker 3: not all the time. 25 00:01:14,120 --> 00:01:16,400 Speaker 4: But you know, over the years, it's accumulated. 26 00:01:16,680 --> 00:01:18,160 Speaker 1: Yeah, how old are your kids now? 27 00:01:18,720 --> 00:01:20,520 Speaker 4: They are eight and eleven? 28 00:01:20,760 --> 00:01:22,559 Speaker 1: Gotcha, boy, girl boy. 29 00:01:22,640 --> 00:01:25,679 Speaker 2: And we are recording this in January, where those of 30 00:01:25,760 --> 00:01:26,960 Speaker 2: us on the East Coast are. 31 00:01:27,040 --> 00:01:29,440 Speaker 1: Preparing for a giant snowstorm. Apparently. 32 00:01:30,000 --> 00:01:32,000 Speaker 4: Yeah, I just got back from the grocery store. 33 00:01:33,360 --> 00:01:34,760 Speaker 3: I thought I was ahead of it. I was like 34 00:01:35,560 --> 00:01:36,520 Speaker 3: everybody else. 35 00:01:36,280 --> 00:01:37,839 Speaker 1: Everyone's there, everyone's there. 36 00:01:38,120 --> 00:01:40,480 Speaker 3: I got there before all the water and meat was gone, though. 37 00:01:40,840 --> 00:01:41,080 Speaker 2: Yeah. 38 00:01:41,160 --> 00:01:42,720 Speaker 1: Yeah, although it's slightly in today. 39 00:01:42,720 --> 00:01:44,880 Speaker 2: I mean, if your kids will have virtual school the 40 00:01:44,920 --> 00:01:46,880 Speaker 2: Monday or whatever, it's it's gotten a little easier as 41 00:01:46,880 --> 00:01:49,560 Speaker 2: they get older, right, well. 42 00:01:50,320 --> 00:01:53,280 Speaker 4: It's gotten in some ways easier, but you know, I 43 00:01:53,680 --> 00:01:57,040 Speaker 4: miss the days where they together would play well together. 44 00:01:57,480 --> 00:02:01,640 Speaker 4: They are getting more on each other's nerves, so the 45 00:02:01,720 --> 00:02:05,320 Speaker 4: yelling and the screaming has intensified when they're all under 46 00:02:05,360 --> 00:02:07,600 Speaker 4: one roof. And so we also need to go to 47 00:02:07,680 --> 00:02:10,040 Speaker 4: the wine store before the blizzard arrives. 48 00:02:10,200 --> 00:02:13,440 Speaker 2: That's on art, getting salt, gas in the car and 49 00:02:13,520 --> 00:02:17,440 Speaker 2: wine for you know that when that inevitable need arise. 50 00:02:17,840 --> 00:02:21,079 Speaker 2: So how did you wind up in the personal finance business? 51 00:02:21,600 --> 00:02:24,560 Speaker 4: Oh my gosh, Well, I studied finance at Penn State. 52 00:02:24,600 --> 00:02:27,240 Speaker 4: That was my degree. That was my intention, was to 53 00:02:27,280 --> 00:02:30,880 Speaker 4: go in and be a finance person, working in a 54 00:02:30,880 --> 00:02:34,600 Speaker 4: finance department or a Wall Street maybe even. But pretty 55 00:02:34,680 --> 00:02:38,560 Speaker 4: quickly into that degree studying at Penn State, I realized, 56 00:02:38,600 --> 00:02:41,840 Speaker 4: you know, well, I like the idea of this, I 57 00:02:41,919 --> 00:02:44,560 Speaker 4: like the stories behind this. I like studying companies and 58 00:02:44,639 --> 00:02:49,200 Speaker 4: corporate structure. I love storytelling. I've always loved storytelling. I've 59 00:02:49,200 --> 00:02:54,240 Speaker 4: always been drawn to journalism and being on a stage 60 00:02:54,320 --> 00:02:58,440 Speaker 4: even and like the creative side of work and life. 61 00:02:58,480 --> 00:03:00,840 Speaker 4: And I thought, is there a away for me to 62 00:03:00,840 --> 00:03:03,040 Speaker 4: not abandon this? You know, I want to use what 63 00:03:03,120 --> 00:03:06,520 Speaker 4: I've invested so far and finish the degree, but maybe 64 00:03:06,520 --> 00:03:09,840 Speaker 4: do a pivot that isn't such a hard right, And 65 00:03:10,160 --> 00:03:14,480 Speaker 4: I realized, you know, it was around two thousand and two, 66 00:03:14,800 --> 00:03:17,560 Speaker 4: and we had a lot of scandal in the financial world. 67 00:03:17,919 --> 00:03:21,200 Speaker 4: Wall Street was becoming main street news. We had a 68 00:03:21,200 --> 00:03:24,120 Speaker 4: lot of white collar crime, and I don't know, I 69 00:03:24,200 --> 00:03:27,280 Speaker 4: just felt like CNBC was becoming a thing, and I 70 00:03:27,320 --> 00:03:31,320 Speaker 4: felt like there was a market now for financial journalism 71 00:03:31,520 --> 00:03:33,680 Speaker 4: more than ever before. So I thought, maybe there's a 72 00:03:33,680 --> 00:03:36,040 Speaker 4: way to combine what I'm already studying at Penn State 73 00:03:36,520 --> 00:03:40,200 Speaker 4: with journalism. So right after Penn State, I entered into 74 00:03:40,320 --> 00:03:44,680 Speaker 4: the Columbia's a journalism program for graduate school and really 75 00:03:44,720 --> 00:03:46,880 Speaker 4: just hit the ground from there. There were a lot 76 00:03:46,880 --> 00:03:51,240 Speaker 4: of people like me at the time who were consciously 77 00:03:51,320 --> 00:03:54,800 Speaker 4: trying to do this at least and so that I 78 00:03:54,920 --> 00:03:57,320 Speaker 4: will I will say that contributed a lot to my 79 00:03:57,600 --> 00:03:59,840 Speaker 4: early success, just kind of like knowing what you want 80 00:03:59,840 --> 00:04:02,160 Speaker 4: to to do early on, didn't know if it was 81 00:04:02,200 --> 00:04:04,160 Speaker 4: going to stick, but I ended up loving it. And 82 00:04:04,280 --> 00:04:07,440 Speaker 4: even within the personal even within like the whole financial 83 00:04:07,520 --> 00:04:10,720 Speaker 4: reporting world, finding a niche within that was important, and 84 00:04:10,760 --> 00:04:12,960 Speaker 4: for me it was personal finance. It wasn't so much 85 00:04:13,000 --> 00:04:18,600 Speaker 4: following the crooks in the business world. That was definitely 86 00:04:19,160 --> 00:04:21,279 Speaker 4: someone else's job, but not for me. It was like 87 00:04:21,400 --> 00:04:23,800 Speaker 4: just trying to help people with their money, trying to 88 00:04:23,800 --> 00:04:28,960 Speaker 4: help people dissect their retirement plans, and especially young people 89 00:04:29,000 --> 00:04:30,560 Speaker 4: and women, because I felt like that was a very 90 00:04:30,680 --> 00:04:31,680 Speaker 4: underserved market. 91 00:04:32,320 --> 00:04:34,440 Speaker 2: Yeah, and so you've done a lot of different iterations 92 00:04:34,480 --> 00:04:36,920 Speaker 2: of that. I mean, you've you know, done TV, you've 93 00:04:36,960 --> 00:04:39,520 Speaker 2: done print, You've done all sorts of different things for that, 94 00:04:39,560 --> 00:04:41,599 Speaker 2: and so you've seen a lot of different people's lives 95 00:04:41,920 --> 00:04:44,880 Speaker 2: I'm curious, what is a money goal you would like 96 00:04:44,920 --> 00:04:47,240 Speaker 2: to see more people set. 97 00:04:48,440 --> 00:04:52,400 Speaker 4: I would love to see more people believe that they 98 00:04:52,480 --> 00:04:55,920 Speaker 4: can be wealthy. I know that so many of us 99 00:04:56,040 --> 00:04:59,640 Speaker 4: are just trying to get to zero, and that's understandable. 100 00:04:59,680 --> 00:05:03,440 Speaker 4: We have a an incredibly huge debt crisis in our country, 101 00:05:03,520 --> 00:05:06,000 Speaker 4: led by student loans and of course credit cards, and 102 00:05:06,120 --> 00:05:08,400 Speaker 4: just the idea of getting to a day where you 103 00:05:08,440 --> 00:05:11,560 Speaker 4: don't have debt is the dream come true for so 104 00:05:11,680 --> 00:05:13,479 Speaker 4: many of us, and I really want us to push 105 00:05:13,520 --> 00:05:17,400 Speaker 4: that goal further, especially again for women. I think that 106 00:05:18,040 --> 00:05:22,440 Speaker 4: we've often been sold this narrative of like complacency right, 107 00:05:22,520 --> 00:05:24,480 Speaker 4: and also to have someone else take care of our 108 00:05:24,520 --> 00:05:29,000 Speaker 4: financial life for us, and I want us to be 109 00:05:29,120 --> 00:05:32,400 Speaker 4: more aspirational in our financial lives. And if that means, 110 00:05:32,640 --> 00:05:35,320 Speaker 4: you know, making more money, clearing our debt and then 111 00:05:35,360 --> 00:05:39,320 Speaker 4: making more money, I want that for everybody. I want 112 00:05:39,320 --> 00:05:42,320 Speaker 4: more people to feel more empowered around their finances, to 113 00:05:42,440 --> 00:05:46,359 Speaker 4: feel more in control around their finances, and also to 114 00:05:46,440 --> 00:05:49,480 Speaker 4: just be more curious about it too, to ask the questions. 115 00:05:49,839 --> 00:05:52,239 Speaker 4: Money is still such a taboo topic and it keeps 116 00:05:52,279 --> 00:05:57,720 Speaker 4: us from keeps us from playing big, and that's that's 117 00:05:57,760 --> 00:05:59,440 Speaker 4: what I want. That's what I want for everybody. 118 00:05:59,600 --> 00:05:59,800 Speaker 3: Yeah. 119 00:06:00,000 --> 00:06:01,919 Speaker 2: Well, and especially to talk about this with women, I 120 00:06:01,920 --> 00:06:04,800 Speaker 2: feel like a lot of the literature and stuff aimed 121 00:06:04,800 --> 00:06:07,200 Speaker 2: at women is more focused on the frugality part of it, 122 00:06:07,279 --> 00:06:10,960 Speaker 2: like don't waste your money on expensive handbags or something 123 00:06:11,120 --> 00:06:14,919 Speaker 2: like that or whatever for stereotypically buying, but not so 124 00:06:15,000 --> 00:06:17,800 Speaker 2: much about like, you know, you have a life you want, 125 00:06:18,560 --> 00:06:21,000 Speaker 2: here's what you need to do to make sure that 126 00:06:21,080 --> 00:06:23,800 Speaker 2: you can produce this life that you want for you 127 00:06:23,880 --> 00:06:25,920 Speaker 2: and your family exactly. 128 00:06:26,560 --> 00:06:26,800 Speaker 3: Yeah. 129 00:06:26,839 --> 00:06:31,320 Speaker 4: I remember leaving college and even for me, someone again 130 00:06:31,320 --> 00:06:34,880 Speaker 4: who studied finance and was raised to really feel independent 131 00:06:34,960 --> 00:06:38,960 Speaker 4: and want that independence, early on, I was like, wow, 132 00:06:39,080 --> 00:06:41,360 Speaker 4: you know, when will my life start? And I realized 133 00:06:41,360 --> 00:06:43,719 Speaker 4: it's like now. And I don't know if it was 134 00:06:43,720 --> 00:06:45,919 Speaker 4: a it was me being a woman or what, but 135 00:06:46,160 --> 00:06:48,919 Speaker 4: I do I sense it in my female friends in 136 00:06:48,920 --> 00:06:51,480 Speaker 4: my twenties, where we almost felt like our lives couldn't 137 00:06:51,480 --> 00:06:55,520 Speaker 4: really start until we met someone, you know, and maybe 138 00:06:55,560 --> 00:06:58,080 Speaker 4: it was like the guy who would come and like 139 00:06:58,160 --> 00:07:01,360 Speaker 4: support us and would have the bigger salary and then 140 00:07:01,480 --> 00:07:03,440 Speaker 4: our dreams would come true and then we could finally 141 00:07:03,440 --> 00:07:05,320 Speaker 4: buy the house and then we could finally have the kids. 142 00:07:05,320 --> 00:07:07,280 Speaker 4: And I want to tell women like, you know, your 143 00:07:07,320 --> 00:07:11,400 Speaker 4: life starts now and you're in charge, and it's you're 144 00:07:11,520 --> 00:07:14,280 Speaker 4: driving the ship, and the earlier that you can start 145 00:07:14,280 --> 00:07:18,080 Speaker 4: to figure out how to support yourself and invest in 146 00:07:18,120 --> 00:07:21,560 Speaker 4: your future. Look, you know, your prince charming or your 147 00:07:21,560 --> 00:07:24,360 Speaker 4: Princess charming may come still and that's great, Like have 148 00:07:24,520 --> 00:07:26,640 Speaker 4: that also be a goal, but not to be the 149 00:07:26,640 --> 00:07:30,720 Speaker 4: only goal. And sometimes we just wait for that and 150 00:07:31,400 --> 00:07:34,880 Speaker 4: at the expense of losing out on our independence and 151 00:07:34,960 --> 00:07:36,600 Speaker 4: our financial future. 152 00:07:37,080 --> 00:07:39,080 Speaker 2: Absolutely, well, we're going to take a quick ad break 153 00:07:39,080 --> 00:07:40,760 Speaker 2: and then I will be back with more from Varnish 154 00:07:40,800 --> 00:07:50,400 Speaker 2: to Rabi. Well, I am back talking with Furnish to 155 00:07:50,480 --> 00:07:53,280 Speaker 2: Rabbi was a personal finance expert host of these So 156 00:07:53,680 --> 00:07:57,920 Speaker 2: Money podcast So interestingly, you know you've, I said, you've 157 00:07:57,960 --> 00:08:00,120 Speaker 2: went through all these different iterations in your career, the 158 00:08:00,160 --> 00:08:02,200 Speaker 2: different kinds of personal finance journalism. 159 00:08:02,280 --> 00:08:05,000 Speaker 1: We've done with it, you know, making a brand for yourself. 160 00:08:05,000 --> 00:08:06,360 Speaker 2: And I saw that one of the things you do 161 00:08:06,400 --> 00:08:09,000 Speaker 2: in addition to personal finance work is coaching people on 162 00:08:09,520 --> 00:08:12,800 Speaker 2: personal branding. I wonder if you could talk a little 163 00:08:12,800 --> 00:08:14,760 Speaker 2: bit on that. Is there something you wish you had known, 164 00:08:15,240 --> 00:08:17,960 Speaker 2: like when you were starting out about building the brand 165 00:08:17,960 --> 00:08:20,600 Speaker 2: that is Furnishe. 166 00:08:19,760 --> 00:08:23,320 Speaker 4: Yeah, I think that I felt like someone had to 167 00:08:23,320 --> 00:08:26,600 Speaker 4: give me permission to put myself out there and believe 168 00:08:26,600 --> 00:08:29,840 Speaker 4: in myself. Like I gosh, I always felt like I 169 00:08:29,880 --> 00:08:34,600 Speaker 4: had to and I, you know, arm myself with more credentials. 170 00:08:34,640 --> 00:08:36,679 Speaker 4: You know, there was a moment in my career, despite 171 00:08:36,679 --> 00:08:38,520 Speaker 4: the fact that I had been doing what I was 172 00:08:38,559 --> 00:08:42,880 Speaker 4: doing for a decade and I had all this experience 173 00:08:43,080 --> 00:08:47,679 Speaker 4: helping people, all these I had books, I was like, 174 00:08:47,840 --> 00:08:51,760 Speaker 4: maybe I should get a license in financial planning because 175 00:08:51,760 --> 00:08:56,079 Speaker 4: then people will take me seriously. And sure, maybe that 176 00:08:56,679 --> 00:08:59,440 Speaker 4: is something credible to do, but that's a whole different 177 00:08:59,440 --> 00:09:03,160 Speaker 4: career path. But for some reason, I thought like I 178 00:09:03,240 --> 00:09:05,400 Speaker 4: need this because otherwise I'm going to miss out on 179 00:09:05,440 --> 00:09:08,400 Speaker 4: more speaking opportunities and people won't take me seriously. And 180 00:09:08,840 --> 00:09:13,160 Speaker 4: I still hear this from especially women who are educated experience, 181 00:09:13,240 --> 00:09:15,960 Speaker 4: They have clients, and they are worried that they're not 182 00:09:16,000 --> 00:09:18,600 Speaker 4: going to get press or the media won't care about 183 00:09:18,600 --> 00:09:21,000 Speaker 4: their story or won't want to feature them as experts 184 00:09:21,280 --> 00:09:27,480 Speaker 4: because they don't have say, ten thousand followers on Instagram, 185 00:09:27,679 --> 00:09:32,400 Speaker 4: or they don't have already a huge track record in 186 00:09:32,440 --> 00:09:36,080 Speaker 4: the press, and so we're always like getting in our way. 187 00:09:36,480 --> 00:09:40,160 Speaker 4: We're always finding excuses for why we're not that special, 188 00:09:40,840 --> 00:09:44,720 Speaker 4: and I'm here to say, like, you have it, you know. 189 00:09:44,960 --> 00:09:47,600 Speaker 4: It's like we it goes back to what Cheryl Sandberg 190 00:09:47,640 --> 00:09:49,839 Speaker 4: said and lean in. Like when men apply for a job, 191 00:09:50,160 --> 00:09:53,400 Speaker 4: if they can qualify for about thirty percent of the 192 00:09:54,280 --> 00:09:57,680 Speaker 4: of the bulleted requirements for the job, they're going to 193 00:09:57,760 --> 00:10:00,120 Speaker 4: apply For women, it's like I need to have all 194 00:10:00,120 --> 00:10:03,440 Speaker 4: of the I need to qualify for everything before I 195 00:10:03,480 --> 00:10:09,240 Speaker 4: will put myself in for possible, you know, before I apply. 196 00:10:09,840 --> 00:10:13,199 Speaker 4: So I see that in the entrepreneurial world as well, 197 00:10:13,520 --> 00:10:17,640 Speaker 4: where we are our biggest enemies, sometimes we are our 198 00:10:17,640 --> 00:10:18,520 Speaker 4: biggest critics. 199 00:10:18,600 --> 00:10:20,040 Speaker 3: And why, you know, I don't know. 200 00:10:20,040 --> 00:10:22,520 Speaker 4: Maybe it's just the imposter syndrome, which I know is 201 00:10:22,559 --> 00:10:26,360 Speaker 4: also like a fabricated thing too, But I read up 202 00:10:26,360 --> 00:10:28,600 Speaker 4: against that and I still see that now in my 203 00:10:28,720 --> 00:10:31,280 Speaker 4: clients and I'm just here to tell them, like, you 204 00:10:31,400 --> 00:10:34,000 Speaker 4: have what it takes. And if you want evidence of that, 205 00:10:34,040 --> 00:10:36,320 Speaker 4: look at the people who are being featured online. You know, 206 00:10:36,360 --> 00:10:40,480 Speaker 4: if you're looking for exposure and press, and that's what 207 00:10:40,520 --> 00:10:42,960 Speaker 4: I often help them with is like getting out there 208 00:10:42,960 --> 00:10:45,600 Speaker 4: more right, getting more eyebos on their work. 209 00:10:45,640 --> 00:10:47,760 Speaker 2: I mean practically, like I was saying, Okay, well I 210 00:10:48,160 --> 00:10:50,400 Speaker 2: have this expertise and I want to put myself out there. 211 00:10:50,559 --> 00:10:51,360 Speaker 1: What does that mean? 212 00:10:51,440 --> 00:10:53,920 Speaker 2: Like you should be just reaching out constantly, like thinking 213 00:10:53,960 --> 00:10:56,440 Speaker 2: about you know, story angles, like what would you recommend? 214 00:10:56,559 --> 00:10:56,839 Speaker 3: First? 215 00:10:56,840 --> 00:11:00,440 Speaker 4: It's about a couple of things. One is what is 216 00:11:00,480 --> 00:11:03,120 Speaker 4: your expertise? What do you want to help people with? 217 00:11:03,640 --> 00:11:03,840 Speaker 2: Right? 218 00:11:03,920 --> 00:11:06,720 Speaker 4: And what are the three to five things big ideas 219 00:11:06,720 --> 00:11:10,200 Speaker 4: that you have, the counterculture ideas maybe that you have, 220 00:11:10,480 --> 00:11:12,600 Speaker 4: or maybe you see something in the news and you're like, 221 00:11:12,640 --> 00:11:13,880 Speaker 4: I want to have a I want to share an 222 00:11:13,920 --> 00:11:17,120 Speaker 4: opinion about that and root it in my expertise. But 223 00:11:17,200 --> 00:11:19,440 Speaker 4: also who's your audience, because you don't want to be 224 00:11:19,440 --> 00:11:22,480 Speaker 4: pitching everywhere, Right, There's probably like three to five outlets 225 00:11:22,520 --> 00:11:25,200 Speaker 4: that make the most sense for you. Sometimes it is 226 00:11:25,320 --> 00:11:29,680 Speaker 4: general news, but sometimes it's a very niche outlet, publication, 227 00:11:30,000 --> 00:11:32,920 Speaker 4: a trade magazine. So it's doing a lot of that 228 00:11:33,000 --> 00:11:36,280 Speaker 4: homework first to kind of understand where your audience is 229 00:11:36,320 --> 00:11:39,480 Speaker 4: hanging out and what is your goal for this press? 230 00:11:39,600 --> 00:11:39,760 Speaker 2: Right? 231 00:11:39,880 --> 00:11:41,439 Speaker 4: Is it just to get out there, to get out 232 00:11:41,440 --> 00:11:45,400 Speaker 4: there and get those you know, those press labels on 233 00:11:45,480 --> 00:11:48,079 Speaker 4: your website, which is definitely fine. Like in the beginning, 234 00:11:48,240 --> 00:11:51,800 Speaker 4: that helps to boost your credibility, but after that, what's 235 00:11:51,880 --> 00:11:55,040 Speaker 4: the goal, right, Is it to have people find you 236 00:11:55,120 --> 00:11:58,600 Speaker 4: and have those people ultimately come work with you? Is 237 00:11:58,640 --> 00:12:02,120 Speaker 4: it to promote your book, is it to promote your workshop? 238 00:12:02,520 --> 00:12:06,080 Speaker 4: Whatever it is. So maybe that it's catering what you're 239 00:12:06,120 --> 00:12:09,640 Speaker 4: putting out there to that so that it aligns with 240 00:12:09,720 --> 00:12:12,520 Speaker 4: what product you're selling or service you're selling. So that's 241 00:12:12,600 --> 00:12:16,280 Speaker 4: kind of the the algorithm, so to speak. And then 242 00:12:16,520 --> 00:12:21,080 Speaker 4: the pitch, right, it's figuring out who is behind that 243 00:12:21,200 --> 00:12:25,000 Speaker 4: media outlet on the receiving end, and then creating an 244 00:12:25,040 --> 00:12:28,920 Speaker 4: authentic relationship first with that person. I don't often say 245 00:12:28,960 --> 00:12:34,000 Speaker 4: like cold pitches are fine, they work, But if you 246 00:12:34,120 --> 00:12:37,080 Speaker 4: can find a way to first make a connection with 247 00:12:37,120 --> 00:12:39,360 Speaker 4: this person that has nothing to do with selling anything 248 00:12:39,400 --> 00:12:42,400 Speaker 4: to them, I find that that's always playing the long 249 00:12:42,440 --> 00:12:45,880 Speaker 4: game in other words, is always a great strategy. But 250 00:12:45,920 --> 00:12:48,480 Speaker 4: of course, if you have something immediate on your to 251 00:12:48,520 --> 00:12:50,040 Speaker 4: do list, like you have a book that you want 252 00:12:50,080 --> 00:12:52,880 Speaker 4: to see you know, you're selling, I get that, but 253 00:12:53,160 --> 00:12:57,040 Speaker 4: I find that building those bridges really do pay off. 254 00:12:57,120 --> 00:13:01,040 Speaker 4: And these days everybody's online, right journalists online. The other 255 00:13:01,080 --> 00:13:03,520 Speaker 4: way you could do it is just write your own articles. 256 00:13:03,600 --> 00:13:07,200 Speaker 4: A lot of places take contributor pieces, so that's another 257 00:13:07,280 --> 00:13:09,720 Speaker 4: thing that I coach people on how to do that, 258 00:13:10,160 --> 00:13:13,400 Speaker 4: how to write for those publications and get them in 259 00:13:13,440 --> 00:13:14,120 Speaker 4: the right hands. 260 00:13:14,440 --> 00:13:17,079 Speaker 1: Absolutely sounds good. Well, what does a day tend to 261 00:13:17,120 --> 00:13:18,439 Speaker 1: look like for you right now? 262 00:13:18,480 --> 00:13:21,200 Speaker 2: As you're managing you know, your many parts of your business, 263 00:13:21,280 --> 00:13:22,400 Speaker 2: your different hats you're wearing. 264 00:13:22,880 --> 00:13:26,480 Speaker 4: Well, lately it's a lot of staying local to my 265 00:13:26,559 --> 00:13:29,880 Speaker 4: neighborhood here in Montclair, New Jersey. I used to travel 266 00:13:30,000 --> 00:13:32,400 Speaker 4: to New York more often. I used to live in 267 00:13:32,400 --> 00:13:35,000 Speaker 4: New York City, but during COVID we moved to the suburbs, 268 00:13:35,000 --> 00:13:38,440 Speaker 4: about fifteen miles outside of the city. This is a 269 00:13:38,440 --> 00:13:44,120 Speaker 4: big commuter town. But I started a local podcast about 270 00:13:44,160 --> 00:13:48,360 Speaker 4: my town. So that, in addition to the personal finance 271 00:13:48,440 --> 00:13:51,960 Speaker 4: work has taken over a lot of my sort of 272 00:13:52,240 --> 00:13:56,160 Speaker 4: business career time, and so I'm really tethered to, you know, 273 00:13:56,200 --> 00:13:58,959 Speaker 4: being here. I've become suddenly like a local journalist again. 274 00:14:00,080 --> 00:14:02,360 Speaker 4: My day is pretty much, you know, mornings is doing 275 00:14:02,440 --> 00:14:04,800 Speaker 4: the school rush, you know, getting my kids off to 276 00:14:04,880 --> 00:14:08,679 Speaker 4: the bus and that starts around six thirty am. We 277 00:14:08,760 --> 00:14:11,520 Speaker 4: live in a magnet school district, so we have six 278 00:14:11,559 --> 00:14:14,960 Speaker 4: seven elementary schools. We don't have like a neighborhood school 279 00:14:15,000 --> 00:14:16,600 Speaker 4: that we go to, so my kids get on the 280 00:14:16,679 --> 00:14:20,040 Speaker 4: very early bus to go, you know, to the school uptown. 281 00:14:20,160 --> 00:14:25,200 Speaker 4: And then after that it's usually getting a workout in 282 00:14:25,560 --> 00:14:29,160 Speaker 4: and then it's starting work and then work, work, work, work, 283 00:14:29,160 --> 00:14:35,120 Speaker 4: work until probably four thirty five, with some breaks to eat, 284 00:14:35,560 --> 00:14:39,720 Speaker 4: maybe get a stretch in meetings, sometimes going in and 285 00:14:39,760 --> 00:14:42,160 Speaker 4: out of the house. You're working from home, right, so 286 00:14:42,200 --> 00:14:44,400 Speaker 4: it's like putting in a load of laundry, putting in 287 00:14:44,440 --> 00:14:47,120 Speaker 4: a load of dishes. I'm a neat freak, so I'm 288 00:14:47,160 --> 00:14:50,720 Speaker 4: constantly tidying up. It's a problem, probably takes a lot 289 00:14:50,720 --> 00:14:52,640 Speaker 4: of time out of my day. I can't help it. But 290 00:14:52,720 --> 00:14:55,680 Speaker 4: also I feel like it makes me more focused, and 291 00:14:55,720 --> 00:14:58,640 Speaker 4: I need those resets. I need, like to constantly reset. 292 00:14:58,680 --> 00:15:03,400 Speaker 4: I'm pretty good at powering through work, but I do 293 00:15:03,480 --> 00:15:06,320 Speaker 4: need those quick little resets, whether it's getting up and 294 00:15:06,360 --> 00:15:09,760 Speaker 4: getting a drink of water, getting up and just putting 295 00:15:09,760 --> 00:15:12,040 Speaker 4: in a load of you know, the dishes, and then 296 00:15:12,080 --> 00:15:14,600 Speaker 4: coming back and then powering through another hour of work. 297 00:15:15,120 --> 00:15:17,440 Speaker 4: So I know that about me. And then once my 298 00:15:17,520 --> 00:15:19,920 Speaker 4: son comes home from school around two thirty, he's pretty 299 00:15:19,920 --> 00:15:22,720 Speaker 4: self sufficient. He's eleven, he does his homework. He knows 300 00:15:22,720 --> 00:15:27,040 Speaker 4: not to bother me, but I won't lie. Like dinners, 301 00:15:27,240 --> 00:15:29,720 Speaker 4: we like to have a family dinner, but not always 302 00:15:29,720 --> 00:15:32,520 Speaker 4: do I make it. I think probably I get about 303 00:15:32,560 --> 00:15:34,960 Speaker 4: forty to fifty percent of the week is a home 304 00:15:34,960 --> 00:15:37,400 Speaker 4: cooked meal, and buy home cooked, don't. I'm not fancy 305 00:15:37,440 --> 00:15:41,800 Speaker 4: about it. It's usually like three or five ingredients, and 306 00:15:42,080 --> 00:15:46,840 Speaker 4: the other days we're ordering. And that is just because 307 00:15:47,600 --> 00:15:51,040 Speaker 4: neither one of us really enjoys cooking and it's convenient. 308 00:15:51,320 --> 00:15:54,800 Speaker 4: So you know, I'm not proud of that, but that's 309 00:15:54,920 --> 00:16:00,640 Speaker 4: just how it's working out right now. And that's my weekday. 310 00:16:00,640 --> 00:16:02,960 Speaker 4: I mean, sometimes I go into the city, but seldom 311 00:16:03,120 --> 00:16:05,280 Speaker 4: really I try to. And when I do go into 312 00:16:05,280 --> 00:16:07,440 Speaker 4: the city, it's like I want to stack the day, 313 00:16:07,920 --> 00:16:09,960 Speaker 4: try to really get in, make it productive, get in, 314 00:16:10,200 --> 00:16:13,040 Speaker 4: get a haircut in, get a media hit, in a meeting, 315 00:16:13,640 --> 00:16:16,320 Speaker 4: and be back before dinner. Yeah. 316 00:16:16,360 --> 00:16:18,400 Speaker 2: Well, I'd love to hear that a personal finance expert 317 00:16:18,440 --> 00:16:19,640 Speaker 2: is okay with ordering dinner. 318 00:16:20,040 --> 00:16:22,000 Speaker 1: If that's the thing that makes life for me. 319 00:16:22,000 --> 00:16:24,840 Speaker 4: You bridget for it. It's you know, and we also, 320 00:16:25,520 --> 00:16:29,360 Speaker 4: you know, we what we really want to try to 321 00:16:29,400 --> 00:16:31,760 Speaker 4: do is have the family dinners, you know, and if 322 00:16:31,800 --> 00:16:34,280 Speaker 4: that means we have to order in, because that's the 323 00:16:34,360 --> 00:16:36,160 Speaker 4: quickest thing to do to be able to have that 324 00:16:36,240 --> 00:16:39,080 Speaker 4: family dinner, because then at six o'clock, my daughter has 325 00:16:39,080 --> 00:16:41,880 Speaker 4: to go to basketball. And if that, you know, I'm 326 00:16:41,960 --> 00:16:45,840 Speaker 4: really it's about priorities. Right In the long run, I 327 00:16:45,840 --> 00:16:47,560 Speaker 4: think I'm going to be less upset about the fact 328 00:16:47,560 --> 00:16:50,840 Speaker 4: that I maybe overspent a little bit on eating out, 329 00:16:52,240 --> 00:16:54,240 Speaker 4: and I'll be more happy that we got to eat together. 330 00:16:54,600 --> 00:16:55,200 Speaker 1: I believe it. 331 00:16:55,240 --> 00:16:57,200 Speaker 2: All Right, Well, we're gonna take one more quick ad break, 332 00:16:57,280 --> 00:17:06,560 Speaker 2: then I'll be back with more from Furnish to Rubbie. Well, 333 00:17:06,600 --> 00:17:08,720 Speaker 2: I am back talking with Fernush to Robbie, who is 334 00:17:08,760 --> 00:17:12,760 Speaker 2: a personal finance expert host of the so many podcasts 335 00:17:12,760 --> 00:17:14,720 Speaker 2: plus a local one about Montclair, New Jersey. 336 00:17:14,760 --> 00:17:16,920 Speaker 3: What's the name of that one, The Montclair Pod? 337 00:17:17,080 --> 00:17:17,880 Speaker 1: The Montclair Pod. 338 00:17:17,920 --> 00:17:22,160 Speaker 2: Okay, So for my listeners who are interested living in Montclair, 339 00:17:22,200 --> 00:17:25,640 Speaker 2: New Jersey, or who are otherwise drawn, c're curious Mount 340 00:17:25,640 --> 00:17:30,399 Speaker 2: Claire curious, you can listen to that. So you've been 341 00:17:30,400 --> 00:17:32,800 Speaker 2: talking a little bit about things that make you more productive, 342 00:17:32,840 --> 00:17:34,600 Speaker 2: like taking little breaks during the day. I'm curious if 343 00:17:34,640 --> 00:17:37,159 Speaker 2: there are any other strategies you use to make yourself 344 00:17:37,160 --> 00:17:37,800 Speaker 2: more productive. 345 00:17:39,280 --> 00:17:43,280 Speaker 4: Well, I have been picking up the phone and calling 346 00:17:43,960 --> 00:17:47,400 Speaker 4: instead of text and email, and you know sometimes when 347 00:17:47,400 --> 00:17:49,280 Speaker 4: you're For example, I have a co host on the 348 00:17:49,280 --> 00:17:52,560 Speaker 4: Montclair Pod, Michael. We've known each other for twenty five years. 349 00:17:52,840 --> 00:17:55,679 Speaker 4: We share a brain at this point. He lives in town, 350 00:17:55,880 --> 00:17:59,160 Speaker 4: and it's partly why this podcast has been so successful. 351 00:18:00,040 --> 00:18:01,640 Speaker 3: Lease gen X. 352 00:18:01,920 --> 00:18:03,760 Speaker 4: I am right on the cusp, and I find that 353 00:18:03,800 --> 00:18:06,199 Speaker 4: the gen xers love to talk on the phone. He 354 00:18:06,320 --> 00:18:08,880 Speaker 4: will call, and it's a little it's gotten a little 355 00:18:08,880 --> 00:18:11,479 Speaker 4: taking use getting used to for me because I've been 356 00:18:11,520 --> 00:18:14,920 Speaker 4: a big Texter. He will call, he will FaceTime sometimes 357 00:18:14,920 --> 00:18:17,800 Speaker 4: in call and it's very like put off, putting sometimes 358 00:18:17,840 --> 00:18:21,400 Speaker 4: because if you're not used to it, and but it's 359 00:18:21,560 --> 00:18:24,520 Speaker 4: it's actually been really good because a phone call you 360 00:18:24,560 --> 00:18:28,520 Speaker 4: can get so much done in fifteen minutes. Then trying 361 00:18:28,560 --> 00:18:33,480 Speaker 4: to like explain something over eighty texts and then you know, 362 00:18:34,320 --> 00:18:38,280 Speaker 4: it's also distracting if you're trying to manage dinner time 363 00:18:38,359 --> 00:18:40,480 Speaker 4: with your family. So it's just like taking that ten 364 00:18:40,520 --> 00:18:42,760 Speaker 4: minutes to have the phone call. And it's just easier 365 00:18:42,880 --> 00:18:45,959 Speaker 4: multitasking too. You can put it on audio. So that 366 00:18:47,000 --> 00:18:53,080 Speaker 4: analogue hack has been actually a great productivity thing for me, 367 00:18:53,320 --> 00:18:56,200 Speaker 4: and I really thank my gen X friend for incorporating 368 00:18:56,240 --> 00:18:57,639 Speaker 4: that into my workflow. 369 00:18:57,800 --> 00:18:59,679 Speaker 2: For reminding you that you can in fact use your 370 00:18:59,680 --> 00:19:03,919 Speaker 2: phone as a phone. Yes, yes, I know, it's crazy, 371 00:19:04,000 --> 00:19:06,720 Speaker 2: crazy enough. What does your planning process look. 372 00:19:06,680 --> 00:19:11,520 Speaker 3: Like my planning process, Well, we have my husband. 373 00:19:11,520 --> 00:19:15,440 Speaker 4: I have a shared Google calendar, and I have multiple 374 00:19:15,800 --> 00:19:19,159 Speaker 4: calendars within the calendar. So there's my work calendar, but 375 00:19:19,280 --> 00:19:21,560 Speaker 4: even within my work calendar, I break it out to 376 00:19:21,840 --> 00:19:26,119 Speaker 4: my podcast calendar. There's a personal calendar for me. It's 377 00:19:26,160 --> 00:19:29,240 Speaker 4: all color coded. There's the Montclair pod calendar, there's the 378 00:19:29,280 --> 00:19:32,320 Speaker 4: share calendar with my husband. I share a calendar with 379 00:19:32,560 --> 00:19:36,359 Speaker 4: my work husband, Michael, and so I know what he's 380 00:19:36,440 --> 00:19:39,680 Speaker 4: up to. And that's kind of how I stay aware 381 00:19:39,880 --> 00:19:45,720 Speaker 4: of everyone's whereabouts, including my own. And when everyone says 382 00:19:45,760 --> 00:19:47,760 Speaker 4: how do you book so many guests on your podcast? 383 00:19:47,800 --> 00:19:50,800 Speaker 4: I have two guests per week. Do you have a booker? 384 00:19:50,960 --> 00:19:51,040 Speaker 2: Like? 385 00:19:51,040 --> 00:19:51,600 Speaker 1: How does it work? 386 00:19:51,640 --> 00:19:54,880 Speaker 4: I say, I have a scheduling link. I send this out. 387 00:19:55,080 --> 00:19:58,320 Speaker 4: People choose their own dates, but I block dates on 388 00:19:58,359 --> 00:20:03,080 Speaker 4: that scheduling calendar so that I give myself, you know, 389 00:20:03,440 --> 00:20:07,000 Speaker 4: basically peace during the week. So I'm not doing podcasts 390 00:20:07,240 --> 00:20:10,480 Speaker 4: at all times. So the podcasts are sort of reserved 391 00:20:10,480 --> 00:20:12,800 Speaker 4: for certain days of the week and even just certain 392 00:20:12,840 --> 00:20:14,360 Speaker 4: blocks during the day. 393 00:20:14,480 --> 00:20:16,880 Speaker 3: So I try to budget. 394 00:20:18,600 --> 00:20:21,240 Speaker 4: The different things that I'm doing during the week, and 395 00:20:21,280 --> 00:20:24,240 Speaker 4: I try to do nothing on Fridays. I really try 396 00:20:24,280 --> 00:20:27,040 Speaker 4: to have not that I'm doing nothing on Fridays, I 397 00:20:27,040 --> 00:20:29,800 Speaker 4: should say, I take that back. No calls on Fridays, 398 00:20:29,960 --> 00:20:34,679 Speaker 4: no big meetings on Fridays that keeps me at my desk. 399 00:20:34,880 --> 00:20:37,000 Speaker 4: I will go out and have meetings. I might have 400 00:20:37,080 --> 00:20:40,080 Speaker 4: coffee with a friend on Fridays. I like to use 401 00:20:40,119 --> 00:20:43,439 Speaker 4: Fridays and really starting on Thursdays, Thursdays and Fridays to 402 00:20:43,520 --> 00:20:47,200 Speaker 4: go out of the house and see people in person locally, 403 00:20:47,920 --> 00:20:49,960 Speaker 4: because Monday through Wednesday. 404 00:20:49,520 --> 00:20:50,719 Speaker 3: Is a real mad dash. 405 00:20:51,000 --> 00:20:55,399 Speaker 4: We publish the Montclair Pod on Thursdays, so it's a 406 00:20:55,440 --> 00:21:00,160 Speaker 4: lot of work tethered to my desk Monday to Wednesday, 407 00:21:00,240 --> 00:21:02,720 Speaker 4: and then Thursday Friday, I like to just kind of 408 00:21:02,760 --> 00:21:04,240 Speaker 4: get out and get some fresh air. 409 00:21:04,400 --> 00:21:09,280 Speaker 1: Yeah, and actually see Montclair. Yeah, precisely. 410 00:21:10,040 --> 00:21:12,760 Speaker 2: So what is something you have done recently to take 411 00:21:12,800 --> 00:21:14,280 Speaker 2: a day from great to awesome? 412 00:21:15,119 --> 00:21:16,440 Speaker 3: Yeah, I'm really proud of this. 413 00:21:16,720 --> 00:21:19,840 Speaker 4: I on a Sunday, my best friend was in town 414 00:21:19,880 --> 00:21:22,760 Speaker 4: from Philadelphia. She was in New York, actually not even 415 00:21:22,760 --> 00:21:24,600 Speaker 4: in Montclair. And you know, I already said I don't 416 00:21:24,640 --> 00:21:26,720 Speaker 4: love going into New York unless. 417 00:21:26,359 --> 00:21:26,840 Speaker 2: I have to. 418 00:21:28,359 --> 00:21:32,639 Speaker 4: And she was in town and she said, do you 419 00:21:32,680 --> 00:21:34,960 Speaker 4: want to hang out today? And it was a Sunday, 420 00:21:35,000 --> 00:21:38,320 Speaker 4: and you know, my kids are a lot Sundays are busy, 421 00:21:38,560 --> 00:21:41,800 Speaker 4: and I said sure, And my husband's great, he's not 422 00:21:41,840 --> 00:21:43,959 Speaker 4: gonna but even still, you know, I think as a 423 00:21:44,040 --> 00:21:49,000 Speaker 4: parent with growing kids, you do feel like it's a 424 00:21:49,040 --> 00:21:52,920 Speaker 4: lot like to take to take yourself away from that life. 425 00:21:53,000 --> 00:21:55,720 Speaker 4: And then but I was so happy to do it. 426 00:21:55,760 --> 00:21:58,000 Speaker 4: I just I took I didn't even go on a train. 427 00:21:58,080 --> 00:22:01,320 Speaker 4: I drove, which is unlike me. I always like to 428 00:22:01,359 --> 00:22:03,240 Speaker 4: take the train. But I was like, I'm just going 429 00:22:03,320 --> 00:22:05,000 Speaker 4: to drive. I'm going to drive into the city. And 430 00:22:05,040 --> 00:22:07,560 Speaker 4: then I realized, actually, how easy this is. I should 431 00:22:07,600 --> 00:22:09,920 Speaker 4: do this more often. I saw her, I got parking 432 00:22:09,920 --> 00:22:12,080 Speaker 4: on the street. I felt like I'd won the lottery, 433 00:22:12,560 --> 00:22:14,879 Speaker 4: and then I went and we just did a little 434 00:22:15,240 --> 00:22:17,679 Speaker 4: you know, window shopping. We had a nice lunch, be 435 00:22:17,720 --> 00:22:21,639 Speaker 4: caught up, and it's just a reminder, especially in midlife, 436 00:22:21,680 --> 00:22:25,800 Speaker 4: how important your relationships are, outside of your family, your friendships. 437 00:22:25,840 --> 00:22:28,280 Speaker 4: My friend and I, Kate, we've been friends since the 438 00:22:28,320 --> 00:22:30,520 Speaker 4: first day of college, and. 439 00:22:31,359 --> 00:22:33,800 Speaker 3: I need that, she needs that. We all need that. 440 00:22:34,000 --> 00:22:36,000 Speaker 4: And it would have been such a shame if I 441 00:22:36,000 --> 00:22:38,480 Speaker 4: had said no, and I could have easily said no 442 00:22:38,560 --> 00:22:40,480 Speaker 4: and she would have understood. I think we all kind 443 00:22:40,480 --> 00:22:44,159 Speaker 4: of understand how life can get at this stage. But 444 00:22:44,200 --> 00:22:46,560 Speaker 4: I was so happy that I did. And of course 445 00:22:46,600 --> 00:22:48,240 Speaker 4: I came home to a little bit of a mess, 446 00:22:48,320 --> 00:22:54,280 Speaker 4: but that's okay. You just spend They will survive, Everyone 447 00:22:54,320 --> 00:22:54,840 Speaker 4: will survive. 448 00:22:54,920 --> 00:22:56,920 Speaker 2: Yeah. No, I mean I was terrified of driving into 449 00:22:56,920 --> 00:22:58,960 Speaker 2: New York for ages, and then I did and I 450 00:22:59,000 --> 00:23:00,840 Speaker 2: was like, oh, yeah, people do this all the time 451 00:23:00,840 --> 00:23:02,360 Speaker 2: and they're not better drivers than I am. 452 00:23:02,680 --> 00:23:06,200 Speaker 4: So no, it was actually, you know, Sundays can be 453 00:23:06,440 --> 00:23:08,600 Speaker 4: hit or miss going into the city. There can be 454 00:23:08,760 --> 00:23:09,840 Speaker 4: during specially. 455 00:23:09,520 --> 00:23:11,240 Speaker 3: During great or something exactly. 456 00:23:11,359 --> 00:23:13,399 Speaker 4: We've gotten stuck in so much traffic. I do have 457 00:23:13,440 --> 00:23:16,760 Speaker 4: some PTSD driving into the city on weekends. But I 458 00:23:16,840 --> 00:23:20,240 Speaker 4: checked the traffic. Nothing seemed to be going on, and 459 00:23:20,359 --> 00:23:22,760 Speaker 4: like I said, I got free parking on the street. 460 00:23:22,960 --> 00:23:26,359 Speaker 4: It was unprecedented good as you can get with stuff 461 00:23:26,359 --> 00:23:28,120 Speaker 4: like that. Yeah, it does take a day from great 462 00:23:28,160 --> 00:23:31,000 Speaker 4: to awesome when you're parking is free, so furnish. 463 00:23:31,080 --> 00:23:34,600 Speaker 1: What are you looking forward to, Well. 464 00:23:34,440 --> 00:23:39,960 Speaker 4: I'm really looking forward to making local news great again. 465 00:23:40,480 --> 00:23:44,440 Speaker 4: And you know, you read about so many local papers 466 00:23:44,520 --> 00:23:48,720 Speaker 4: shuttering and just media in general is having a really 467 00:23:49,040 --> 00:23:53,360 Speaker 4: rough road. And I started my career actually in local news. 468 00:23:53,440 --> 00:23:55,600 Speaker 4: We don't even really talk about that, but even with 469 00:23:55,680 --> 00:23:59,360 Speaker 4: the financial news path that I've been on, I started 470 00:23:59,359 --> 00:24:02,520 Speaker 4: doing that locally. I worked at New York one News 471 00:24:02,640 --> 00:24:05,920 Speaker 4: as a business news producer, talking about the local economy 472 00:24:05,920 --> 00:24:09,040 Speaker 4: and small businesses. And I've done a kind of a 473 00:24:09,080 --> 00:24:11,880 Speaker 4: full circle now and now I cover everything. I cover 474 00:24:12,040 --> 00:24:15,360 Speaker 4: education and restaurants and all that. But I really love 475 00:24:15,440 --> 00:24:20,359 Speaker 4: doing it through a podcast. I think it's people are listening, 476 00:24:20,440 --> 00:24:25,600 Speaker 4: people are engaged again. It's really a validating, a validating exercise. 477 00:24:25,760 --> 00:24:29,360 Speaker 4: And we won an award last year for like one 478 00:24:29,359 --> 00:24:33,719 Speaker 4: of the best local podcasts in the country, and so 479 00:24:34,080 --> 00:24:36,480 Speaker 4: we're just hoping to build on that momentum, and I 480 00:24:36,520 --> 00:24:39,640 Speaker 4: don't think I can. We're nowhere near abandoning the personal 481 00:24:39,680 --> 00:24:42,720 Speaker 4: finance business that I've built, But I do think I'm 482 00:24:42,760 --> 00:24:46,640 Speaker 4: building something where in ten years, I can, you know, 483 00:24:46,720 --> 00:24:50,199 Speaker 4: step into this, perhaps full time, and maybe even have 484 00:24:50,280 --> 00:24:52,879 Speaker 4: it be a legacy business. It's not about me, this 485 00:24:53,200 --> 00:24:56,119 Speaker 4: Montclair Pod. It's really about giving back to the community. 486 00:24:56,400 --> 00:24:59,320 Speaker 4: My daughters eight, and she said, will this still be 487 00:24:59,359 --> 00:25:01,399 Speaker 4: around when I'm in high school? Because she's into it. 488 00:25:01,480 --> 00:25:04,320 Speaker 4: She wants to contribute. And I'm excited for that. You 489 00:25:04,359 --> 00:25:06,639 Speaker 4: didn't ask about. You asked about probably this year what 490 00:25:06,680 --> 00:25:08,760 Speaker 4: I'm excited about. But I'm excited about this being something 491 00:25:08,800 --> 00:25:11,080 Speaker 4: that my kids can participate in. I don't think they 492 00:25:11,160 --> 00:25:12,840 Speaker 4: want to take over the So Money Podcast, but I 493 00:25:12,840 --> 00:25:14,400 Speaker 4: think they'd be into the Montclair Pod. 494 00:25:14,600 --> 00:25:17,400 Speaker 1: Excellent, excellent furnish. Where can people find you? 495 00:25:17,400 --> 00:25:20,119 Speaker 4: You can find me on the so Many Podcasts, so 496 00:25:20,240 --> 00:25:24,520 Speaker 4: Many Podcasts dot Com three days a week and as 497 00:25:24,560 --> 00:25:27,520 Speaker 4: well if you are in the Essex County area in Jersey, 498 00:25:27,600 --> 00:25:29,919 Speaker 4: the Montclair Pod. We actually have a majority of our 499 00:25:29,960 --> 00:25:31,639 Speaker 4: audience outside of Montclair. 500 00:25:31,920 --> 00:25:34,680 Speaker 2: People who list I still want to know where ye are, 501 00:25:34,680 --> 00:25:36,480 Speaker 2: Like Montclair is doing, We think there's a. 502 00:25:36,520 --> 00:25:40,560 Speaker 4: Park slopers in Brooklyn who are often the ones moving 503 00:25:40,600 --> 00:25:41,480 Speaker 4: here and they want to know. 504 00:25:43,640 --> 00:25:46,679 Speaker 2: Yeah, exactly awesome, Well, Furnish, thank you so much for 505 00:25:46,760 --> 00:25:49,159 Speaker 2: joining us. Thank you to everyone for listening. If you 506 00:25:49,200 --> 00:25:51,760 Speaker 2: have feedback on this or any other episode, you can 507 00:25:51,760 --> 00:25:54,679 Speaker 2: always reach me at Laura at Laura vandercam dot com. 508 00:25:55,000 --> 00:25:56,760 Speaker 1: In the meantime, this is Laura. 509 00:25:57,200 --> 00:26:00,560 Speaker 2: Thanks for listening, and here's to making the most of 510 00:26:00,600 --> 00:26:10,280 Speaker 2: our time. Thanks for listening to Before Breakfast. If you've 511 00:26:10,320 --> 00:26:14,480 Speaker 2: got questions, ideas, or feedback, you can reach me at 512 00:26:14,560 --> 00:26:23,600 Speaker 2: Laura at Laura vandercam dot com. Before Breakfast is a 513 00:26:23,600 --> 00:26:28,359 Speaker 2: production of iHeartMedia. For more podcasts from iHeartMedia, please visit 514 00:26:28,400 --> 00:26:32,240 Speaker 2: the iHeartRadio app, Apple Podcasts, or wherever you listen to 515 00:26:32,280 --> 00:26:33,119 Speaker 2: your favorite shows.