Speaker 1: Welcome to Go Ask Ali, a production of Shonda Land
Speaker 1: Audio and partnership with I Heart Radio. Hi'm Elly Wentworth
Speaker 1: and you're listening to Go Ask Alli. Where this season
Speaker 1: I'm asking, how do you grow a healthy relationship with yourself,
Speaker 1: with a friend, maybe your enemy, I don't know. In
Speaker 1: this episode, we're talking about money. Whether you check your
Speaker 1: balance every morning or you have no idea where the
Speaker 1: money is coming from and where it's going, we all
Speaker 1: have some sort of relationship to money. And you know,
Speaker 1: I was thinking before this podcast about my relationship to money.
Speaker 1: I had a very bizarre relationship with money when I
Speaker 1: was young, because in my own personal circumstances and my family,
Speaker 1: you know, one minute, it was like, oh, we're all
Speaker 1: going to go skiing, and the next minute it was, oh,
Speaker 1: my god, we have no money. We have money, we
Speaker 1: don't have money. We have money, we don't have money.
Speaker 1: So I developed this kind of crazy relationship with money.
Speaker 1: I was the girl in college that would write bounce checks,
Speaker 1: didn't understand how to balance my allowance. I always would
Speaker 1: hope that somehow I'd figure it out later on, which
Speaker 1: is incredibly irresponsible. And as I got older, I learned more,
Speaker 1: but I still don't think I'm educated enough about money.
Speaker 1: You know, God forbid, something happened to my husband. I'm
Speaker 1: not sure I would understand all the retirement forms, pension plans.
Speaker 1: I think historically, you know, women have always looked to
Speaker 1: the man to take care of them, and that is
Speaker 1: not the world we live in anymore. And I realized that,
Speaker 1: you know, when you're young, you can sort of throw
Speaker 1: your hands up in the air and say, I don't
Speaker 1: really understand about money. But when you get to be
Speaker 1: a certain age, you start to realize you need to
Speaker 1: save for your later years. So there is a responsibility
Speaker 1: and there is a maturity that comes with money, but
Speaker 1: the first step is learning about it. Here to make
Speaker 1: sense of all the sense is money coach and go
Speaker 1: to financial thought leader in this personal finance field. Jamila
Speaker 1: Suffran Jamil is the founder of Journey to Launch dot
Speaker 1: com and the host of Journey to Launch podcast, where
Speaker 1: she chronicles her path to financial independence while helping others
Speaker 1: do the same. Jamil is a resident financial expert on
Speaker 1: a weekly segment on News twelve, which is the most
Speaker 1: watched local TV news station in New York City, and
Speaker 1: has been featured in other notable media outlets such as
Speaker 1: New York Times, Essence, Refinery, twenty nine, Money Magazine, CNBC,
Speaker 1: CBS Business Insider, and more. Here's what's so incredible, Jamila
Speaker 1: and her husband saved get this, a hundred and sixty
Speaker 1: nine thousand dollars in just two years and are living
Speaker 1: debt free besides their mortgage. Jamila, I'm so happy to
Speaker 1: have you on the podcast today because I have so
Speaker 1: many questions. But first, can you share what inspired you
Speaker 1: to begin your journey to financial freedom? I mean, it's
Speaker 1: something we all want in theory, but getting started and
Speaker 1: putting it into practice is a completely different story. Yeah.
Speaker 1: So I how did Jamila end up being Jamilla right
Speaker 1: of journey to launch? So? Really, I was, you know,
Speaker 1: commuting from New York Brooklyn to New Jersey every day
Speaker 1: corporate job. I was in Corporate America, working at the
Speaker 1: same company that I interned with from nineteen but they
Speaker 1: were in New Jersey, so it was a commute. But
Speaker 1: I was okay. I didn't have kids, eyes like young
Speaker 1: and then I got pregnant with my first son and
Speaker 1: I remember early thirties. Now I'm in this car. My
Speaker 1: community is like an hour and a half one way.
Speaker 1: Oh my god, no, lie like and you know that's
Speaker 1: like average. Sometimes it will take less, sometimes more. But
Speaker 1: on this day, pregnant, first child, it took three hours
Speaker 1: to get home. So I said to myself that day
Speaker 1: because I've always had this desire to be free and
Speaker 1: I wanted to be a millionaire, had all these dreams
Speaker 1: as like a young kid. And then I got into
Speaker 1: the workforce and I was like, wait, how am I
Speaker 1: actually gonna tell this? I guess I just need to
Speaker 1: work like everyone else, Jamila, get over yourself. So I
Speaker 1: eventually then just out of frustration and fear and just
Speaker 1: typed in like how to equip my job, how to
Speaker 1: I retire early? All these like catchphrases people do when
Speaker 1: they're not necessarily happy. Came across this concept called financial
Speaker 1: independence retire early, and I'm like, what is this thing?
Speaker 1: Because I'm thinking you have to like be very famous
Speaker 1: or born into money to become a millionaire, like create
Speaker 1: the next Google. And here I am now listening to podcasts,
Speaker 1: reading blogs about people who are saving you know, their
Speaker 1: money and investing over time, you know, over ten fifteen years,
Speaker 1: and are able to quit their jobs. And I was like,
Speaker 1: wait a second, where was this all my life? And
Speaker 1: so I essentially started Journey to Launch, which was just
Speaker 1: a blog to chronicle how I was going to reach
Speaker 1: financial independence. I had this goal to quit my job,
Speaker 1: and then it eventually turned into oh, Jamiela, how are
Speaker 1: you doing this? You're saving all this money to teach us,
Speaker 1: And so I was like, oh, I might let me
Speaker 1: start a podcast. So I started podcast Journey to Launch
Speaker 1: and started to dive deeper into not only my journey,
Speaker 1: but helping other people who wanted to do what I
Speaker 1: was doing. And quit my job a few years later
Speaker 1: because things were taking off a bit. And you know,
Speaker 1: here I am now with you. And so, how financially
Speaker 1: savvy were you when you had that aha moment in
Speaker 1: the car when you're pregnant. Did you already know a
Speaker 1: lot about money? I was not. Definitely did not know
Speaker 1: as much as I knew now. If I knew as
Speaker 1: much as I do now, it is started so much earlier.
Speaker 1: But I will say I did a lot of things right.
Speaker 1: You know, I come from I'm an immigrant. I was
Speaker 1: born in Jamaica, the island, not the borough. Nothing's wrong
Speaker 1: with the borough, by the way, but the island and
Speaker 1: mom was a single mom, so she knew about saving
Speaker 1: and surviving as a young single mom in the country
Speaker 1: she didn't grow up in and had to make it work.
Speaker 1: She passed that down to me. So I did have
Speaker 1: that saving ability. Like I remember, I started working at
Speaker 1: fourteen and saved my money for the most part. I
Speaker 1: was able to buy my first condo at twenty two
Speaker 1: and Dumbo before it was Dumbo. So it's on the outside, yes,
Speaker 1: amazing thing to do at such a young age. But
Speaker 1: I didn't know about investing. I didn't know about making
Speaker 1: your money grow, because it was more about saving and
Speaker 1: then like kind of the American dream, which was like
Speaker 1: buying a property and then you know, getting married, having kids.
Speaker 1: But this outside world of wait, I don't have the
Speaker 1: working corporate America like that always was something I was
Speaker 1: interested in, and it wasn't until I found this concept
Speaker 1: that you can you know, even at a regular job,
Speaker 1: you can save and invest and be smart with your money.
Speaker 1: You might not be able to quit tomorrow, but if
Speaker 1: you just do some of the right things in a
Speaker 1: few years, you'll be in a better position. So yeah,
Speaker 1: to answer your question, I wasn't as savvy as I
Speaker 1: am now, But I tell everyone you're on a financial journey,
Speaker 1: whether you know it or not. And so if you're
Speaker 1: listening to my voice right now, like now, it's the
Speaker 1: perfect time to to consciously be aware that you're on
Speaker 1: it and see what you can do to help yourself
Speaker 1: get in a better position. And are you in a
Speaker 1: better position now? Oh? Yeah? So you know this concept
Speaker 1: of financial independence, like it's very lofty, okay, Like if
Speaker 1: you're talking about having enough money saved and invested to
Speaker 1: not work actively again, like you can literally live off
Speaker 1: your portfolio, right, goals, I am not there. I am
Speaker 1: like at this level. I have like journey or stages
Speaker 1: that I call it, like reaching the promised land of
Speaker 1: financial independence. I'm at a level where I have work flexibility.
Speaker 1: I was able to save up enough money to quit
Speaker 1: my job even though journey to launch wasn't making as
Speaker 1: much at all as what my job is making, and
Speaker 1: then also pay off the debt we needed to pay off,
Speaker 1: and then like launch into entrepreneurship with three kids living
Speaker 1: in New York City and be okay, and the freedom
Speaker 1: and flexibility that I have, Like right before we recorded this,
Speaker 1: I went to go pick up my right and it's
Speaker 1: not that I have all the money in the world,
Speaker 1: but I have enough where we're comfortable. And that is,
Speaker 1: to me, something that most people can find, and it's
Speaker 1: essential to find it as a woman, especially as a
Speaker 1: mom and as a person of color, and as that
Speaker 1: black woman. You bet on yourself, oh yeah, and people
Speaker 1: don't like to better themselves like they're too afraid. So
Speaker 1: I love a woman that bets on herself. I really do, so,
Speaker 1: thank you, Jamila. I'm going to confess right right up
Speaker 1: top that I'm terrible with money. I tendency to be
Speaker 1: afraid of it, to not want to deal with it.
Speaker 1: When I was younger, I would get into financial trouble
Speaker 1: and pray that my parents would help me out. Many
Speaker 1: many times I would not balance my checkbook. And now
Speaker 1: I am in my marriage, I let my husband, George
Speaker 1: deal with most of it, which I'm sure these are
Speaker 1: all terrible things, but we'll get through this. It's not
Speaker 1: about me. But I do want to start with talking
Speaker 1: about women in their relationship with money, because now that
Speaker 1: I'm a middle aged woman, I have noticed particularly I
Speaker 1: have friends who are incredibly on top of their finances,
Speaker 1: and I have friends who don't know what the hell
Speaker 1: they're doing, and I have friends who have gotten divorced
Speaker 1: and been left with zero money. So my first question
Speaker 1: is why do women have so many issues with money?
Speaker 1: I think what happens. You know, we all have money scripts,
Speaker 1: money stories that are passed down to us, that are
Speaker 1: told to us, and it depends on our culture, where
Speaker 1: we were raised, who we were raised by, in their
Speaker 1: own financial trauma, what theyve us down to us. So
Speaker 1: for a long time, women really we're not accepted, we're
Speaker 1: not invited into the financial conversations. I believe it's changing
Speaker 1: a lot more, but I also have a distorted view
Speaker 1: because I'm in the personal finance space, so I tend
Speaker 1: to then see a lot of people talking about money.
Speaker 1: But for the average person, I do think there's still
Speaker 1: a misconception about what it takes to be good with money, right,
Speaker 1: Like you think you have to be good at math,
Speaker 1: and you know, to have all these other things that
Speaker 1: are helpful but that really don't allow you to succeed.
Speaker 1: And a lot of things that women innately have show
Speaker 1: that we actually are better than handling money than men
Speaker 1: in terms of we're more prudent, we take our time
Speaker 1: because we're investing for the long term, and we're thinking
Speaker 1: about more things other than just ourselves, like our family,
Speaker 1: that we actually aren't good with money, like inherently, and
Speaker 1: it doesn't need to do anything with statistics or math
Speaker 1: or complications. So I think it's really just breaking down
Speaker 1: this barrier of what people used to tell us, you know,
Speaker 1: the the old white men financial advisors who spoke in
Speaker 1: jargon our terms that we didn't understand to kind of
Speaker 1: keep us out is long gone, and we just need
Speaker 1: to continue to push that so women and the women
Speaker 1: behind us can understand it. This is for you too.
Speaker 1: You are here, you can be good with money. You
Speaker 1: are good with money, I mean because historically women were
Speaker 1: not allowed to deal with money, and certainly when they
Speaker 1: got married they had no financial freedom whatsoever. Marriage was
Speaker 1: part of a kind of economic pact just to get
Speaker 1: the money from her family. So I can see why
Speaker 1: the roots of that are strong still. It is. I mean,
Speaker 1: if you think about the women who were at home
Speaker 1: also raising the children who were the responsibility, while they
Speaker 1: most likely never got paid for that work was such
Speaker 1: a huge part and why their husbands were successful in
Speaker 1: their careers right. And so while we have been sometimes
Speaker 1: blocked out of that conversation. You know, the history has
Speaker 1: been there was at some point I forgot the year
Speaker 1: where women still needed like the man's signature to get
Speaker 1: a credit card, like their husband's signature to get a
Speaker 1: credit card. So it's crazy, but yeah, that stuff is
Speaker 1: rooted in us, and I think though that now is
Speaker 1: the time for us to take back control and to
Speaker 1: take back the power and educate ourselves to be better.
Speaker 1: But because women earn what of what men earned? Don't
Speaker 1: you think until we are equal in terms of equal pay,
Speaker 1: we will never be seen as equal in terms of
Speaker 1: how we deal with finances. Yeah, there's a lot of
Speaker 1: work on all fronts, so the earning side of things,
Speaker 1: the managing side of it, and the earning side of it.
Speaker 1: But what's most impactful earning money? So if we're not
Speaker 1: making as much, if we have more things that happen
Speaker 1: in our lives that make us take pauses at work,
Speaker 1: that you know, when you're stopping to have family, when
Speaker 1: we have to take off more time to do more
Speaker 1: of the at home care for our loved ones and
Speaker 1: elderly like that all factors into our careers and how
Speaker 1: much we earn. So I definitely believe that the income
Speaker 1: gap between women. And then if you even break it
Speaker 1: down further within the women's face, like women of color,
Speaker 1: black women, like all that is going to be import
Speaker 1: We can't have like the conversation about money and managing
Speaker 1: it without having the conversation about being equal pay and
Speaker 1: earning as much advocating or better salaries completely. Now, what
Speaker 1: do you tell women? Let's pretend I said to you
Speaker 1: right now, Hey, surprise, Jamila, this is a TED talk
Speaker 1: and there's a thousand people out in the audience, give
Speaker 1: us the most important steps women need to know about
Speaker 1: their finances. So the most important steps that women should
Speaker 1: know about their money is there is a practical and
Speaker 1: how to. There's the budgeting, and there's understanding the income
Speaker 1: that's coming in and the expenses that are going out.
Speaker 1: That's important. We have to talk about that, But I
Speaker 1: think most importantly it's the internal kind of shadow work
Speaker 1: that needs to be done first to help propel and
Speaker 1: maintain this journey that we're on with our money. Because
Speaker 1: it's not enough to like just do a budget like right.
Speaker 1: You have to have the confidence that you'll figure it
Speaker 1: out when things get a little like sticky, or when
Speaker 1: you make a mistake quote unquote. So I think a
Speaker 1: lot of the work is actually mental and emotional, and
Speaker 1: that to start there is important. So to have the
Speaker 1: confidence and to understand it. Confidence doesn't mean you won't
Speaker 1: mess up. Listen, I I talk about money all the time,
Speaker 1: and I still like, oh, man, like I need to
Speaker 1: go check that budget, or I was spent on this thing,
Speaker 1: like it still happens. It's normal. So really it's about
Speaker 1: internal work first about what are the money stories that
Speaker 1: we've been told. How do we sabotage our own selves
Speaker 1: with money? Start with that first, and then yes, let's
Speaker 1: move on to the practical. Let's create a budget, because
Speaker 1: you really do need to understand what's coming in and
Speaker 1: what's going out in order to take control. And how
Speaker 1: much do you tell women and people, but women especially
Speaker 1: about saving for the future. Do you talk to them
Speaker 1: about retirement? Because I'm middle aged, like I said, and
Speaker 1: I'm very concerned about my back nine, but I'm concerned
Speaker 1: about even now with aging parents that I'm dealing with.
Speaker 1: I go, Okay, so, damn, this is expensive. It's really
Speaker 1: expensive to be old in our country. So how do
Speaker 1: I protect myself so that my two teenage daughters don't
Speaker 1: leave me on the side of a road with a
Speaker 1: note tape to me, you know what I mean. There's
Speaker 1: so much more than the just imminent stuff. When it
Speaker 1: comes to finances, you have to think long term, and
Speaker 1: that is I believe, like the balance that people just
Speaker 1: don't want to deal with because there's a now of
Speaker 1: the life. You want to live a good life now,
Speaker 1: you want to reap the benefits of your hard work,
Speaker 1: and you know, I want to feel like you're working
Speaker 1: towards something but enjoying it now. And then there is
Speaker 1: that long term view about okay, what about the U
Speaker 1: and twenty years, in thirty years or even ten years,
Speaker 1: making sure that person is okay. And oftentimes sometimes we
Speaker 1: sacrifice one for the other. Usually it is that older
Speaker 1: person that we're like, we'll just figure it out. Then,
Speaker 1: you know, bury our heads in the stand about it.
Speaker 1: But so I am a full advocate of investing for
Speaker 1: the long term, just to make sure that you're okay
Speaker 1: with my brand and what I do. Like, I talk
Speaker 1: a lot about financial independence, retire early, which is the
Speaker 1: fire movement, save an investor for time and actually leave
Speaker 1: the traditional workforce early, which for some people are just
Speaker 1: like are you kidding me. I'm not on the track
Speaker 1: for standard retirement and you're telling me I can like
Speaker 1: exit early. But I'd like to put that in the
Speaker 1: minds of people as uh, like a seed, because there
Speaker 1: are some people that are doing it, and of course
Speaker 1: it takes like work in different just assets to be
Speaker 1: able to do that. But I like pushing people to
Speaker 1: understand that there is a way to save and invest
Speaker 1: long term and set yourself up for a good future
Speaker 1: and good retirement, and also push it a little bit,
Speaker 1: like whatever you're doing now if you think you're starting
Speaker 1: too late or you think it's like so late that
Speaker 1: you shouldn't even like look at it, because what's the
Speaker 1: point is that you can start today and be in
Speaker 1: a better place ten years from now just by starting.
Speaker 1: And so I say, even if you're behind on retirement,
Speaker 1: you'd be surprised at what you can do once you're
Speaker 1: aware of what's possible for you. We're gonna take a
Speaker 1: short break and we'll be right back. Welcome back with
Speaker 1: more go ask Galley. I do want to talk about
Speaker 1: couples because most of my peeps are married, including myself,
Speaker 1: and I want to talk about finances in relationships because
Speaker 1: I think they can be incredibly eruptive, and I think
Speaker 1: people don't talk about finances enough in their relationship. Let's say,
Speaker 1: before you're dating somebody, how can you tell if you're
Speaker 1: economically compatible? Like you know when you're sexually compatible, and
Speaker 1: you know in other areas where you're compatible, how do
Speaker 1: you know if you're economically compatible? Yeah, you know, this
Speaker 1: is something where you have to start the conversations that
Speaker 1: you don't just jump in the first date and say,
Speaker 1: what's your credit score? How much death do you have?
Speaker 1: You know? But I do believe that's over time you
Speaker 1: ask them what are your goals? What are you looking
Speaker 1: forward to doing over the next couple of years. I
Speaker 1: think starting with the big picture questions and then drilling
Speaker 1: it down to if the person says, oh, my dream car,
Speaker 1: I want to buy it in a couple of years,
Speaker 1: and from what you know of their profession, you're like,
Speaker 1: that's interesting, Like you know, you're just trying to connect
Speaker 1: the dots on things. So I think a lot of
Speaker 1: things is open discussion. And also if you are at
Speaker 1: that point where you can share openly about your finances
Speaker 1: with the potential partner, meaning Okay, I'm gonna put it
Speaker 1: out on the line. To be vulnerable here and the
Speaker 1: hopes that this person will also be vulnerable is helpful
Speaker 1: because we all have money stories and money baggage and
Speaker 1: dead or something related to money in our lives, like
Speaker 1: that is how we live. So I don't think it's
Speaker 1: out of touch to start the conversations early, but in
Speaker 1: a general way, because I will say that picking someone
Speaker 1: who is complimentary you don't need to be the same
Speaker 1: with money. Some people are more hands on, some people
Speaker 1: more hands off, but at least they are amenable and
Speaker 1: willing to have conversations. That's important. But picking someone who
Speaker 1: is either on the same page at least in the
Speaker 1: same book. Maybe you're not on the same things, but
Speaker 1: you're reading the same book at least on different chapters
Speaker 1: fine is important because when you're able to combine your energy,
Speaker 1: your money, your goals together, it can speed up the
Speaker 1: journey to your money goals. So it's important, right. You know,
Speaker 1: they say two thirds of marriages start out in debt,
Speaker 1: and I know that when I was dating my now husband,
Speaker 1: we came to our marriage, he had been working much
Speaker 1: longer than I had and was, you know, very good
Speaker 1: with money. I basically came to the marriage and debt.
Speaker 1: Also with the docks in that needed a ten tho
Speaker 1: dollar spinal surgery, which I think freaked him out a
Speaker 1: little bit. But I do see a lot of times
Speaker 1: in relationships where one person is really conservative one is
Speaker 1: very kind of spending and crazy, and it causes a
Speaker 1: lot of problems. But I've also seen relationships where, let's say,
Speaker 1: in mine, my husband is more conservative, whereas every once
Speaker 1: in a while, you know, I don't go crazy, but
Speaker 1: I will say, you know, I think this is important.
Speaker 1: I think we can spend a little more on this
Speaker 1: trip as an educational thing for our kids, or you know,
Speaker 1: we can get this sofa, but it's gonna break in
Speaker 1: two seconds. I think we should spend a little more
Speaker 1: for you know, that kind of constant thing. But what
Speaker 1: I'm saying is I'm agreeing with you that in the
Speaker 1: big picture, that is the same the little minutias we
Speaker 1: kind of give and take, give and take. Yeah, I
Speaker 1: think the most important thing, even if you have different
Speaker 1: use on money and how you handle it, is the
Speaker 1: willingness to listen to your partner and to concede when
Speaker 1: you know it's necessary. On the sofa or on that
Speaker 1: thing because in the same regardless of having someone who
Speaker 1: is more conservative is really good. But sometimes it's not
Speaker 1: so good because some people actually have money and are
Speaker 1: so afraid of spending it and using it as a
Speaker 1: tool to live a life that they want. And if
Speaker 1: you have a partner who's not on that same page,
Speaker 1: you can cause resentment. So I fully believe that it's
Speaker 1: okay to have different like likes, Like my husband is
Speaker 1: not like I know he would prefer a nicer car.
Speaker 1: And so the deal kind that I made when I
Speaker 1: like puit my full time job to do what I'm
Speaker 1: doing now journey to launch full time, was like, thank
Speaker 1: you for supporting my dreams and goals, you know, and
Speaker 1: I understand that we have to cut back, would be
Speaker 1: more conservative in certain areas to do that, but if
Speaker 1: I can, and when I can, he knows like I
Speaker 1: would love to get him like a nice car, like
Speaker 1: one of those Christmas commercials. It would like a boa.
Speaker 1: I think that would be so fun and like for him,
Speaker 1: like I don't really care right now about that kind
Speaker 1: of stuff, but I know he likes it and cares
Speaker 1: about it. So I think when you can show up
Speaker 1: for your partner in that way, and it's like a
Speaker 1: given take. It's compromising in a good way about what
Speaker 1: each other likes and goals and all that. What have
Speaker 1: you seen And I'm bringing this back a little bit
Speaker 1: to the women and money. I have noticed that women
Speaker 1: who are the breadwinners there is a fundamental issue in
Speaker 1: their relationship. I don't know if it's ego with the man,
Speaker 1: I don't know what it is, but my friends who
Speaker 1: are the breadwinners and the husbands aren't. I mean, they
Speaker 1: might be still doing a lot in terms of childcare
Speaker 1: and everything, they still bangheads all the time. And I
Speaker 1: hate to think it's this kind of misogynistic thing, but
Speaker 1: it is. It just is, you know, I agree. I
Speaker 1: think it's hard for women, and think about it is
Speaker 1: a lot of women do actually earn more than there's processes.
Speaker 1: I don't have a number, you know, to back that up,
Speaker 1: but you know, a lot of my friends earn more
Speaker 1: than their partner. And so I think this is something
Speaker 1: where understanding the type of partner you have is important.
Speaker 1: And sometimes like with this financial work like comes like
Speaker 1: just general therapy, because the foundational work or the fights
Speaker 1: that you have about money usually are deeper or something
Speaker 1: else it's like maybe he or she feels a loss
Speaker 1: of control because they never had control they saw their
Speaker 1: own parents go through something. Sometimes it is like a
Speaker 1: cultural or societal thing, but sometimes it's actually a personal
Speaker 1: experience that your partner may have that's feeding into why
Speaker 1: they're reacting that way. And so actually talking to a
Speaker 1: therapist or talking through the deeper issues instead of like
Speaker 1: just getting mad at them for the reaction, just understanding
Speaker 1: where it's coming from, I think can be helpful. I
Speaker 1: think that's so interesting. I think people don't really connect
Speaker 1: money and therapy as much as they do other things.
Speaker 1: It's like sex or fundamentally not getting along. But when
Speaker 1: you think about it, money is so attached to so
Speaker 1: many emotional things. I think about so many people who
Speaker 1: attach it to love, you know what I mean. So
Speaker 1: if my partner or my friend gives me these things,
Speaker 1: they love me because I'm being rewarded materialistically or with money.
Speaker 1: And I think it's true. I think everybody comes to
Speaker 1: the table with their own financial trauma or stories, and
Speaker 1: that's when it gets really difficult. I wish couples therapy
Speaker 1: they had to have it a financial advisor sitting with them.
Speaker 1: I think would be really helpful. And this is why
Speaker 1: I feel it's so with money, so many people avoid
Speaker 1: the topic, and like literally everyone has to deal just
Speaker 1: like everyone has to go to the bathroom, Like everyone
Speaker 1: has to deal with money, and typically like people don't
Speaker 1: talk about it's like this quiet thing that everyone wants
Speaker 1: to avoid. But then everyone is wants to live this
Speaker 1: life and doesn't matter what how you define that life,
Speaker 1: whether it's more luxurious and more low key, but you
Speaker 1: need money for it. And so I just think we
Speaker 1: should be talking more about money, like it should be
Speaker 1: normalized in the way we approach it and in our
Speaker 1: in our hangups and our mistakes, in our insecurities around it,
Speaker 1: because so many people feel the same way they do.
Speaker 1: I mean, I know that I don't really talk about
Speaker 1: money that much because I was taught it was rude
Speaker 1: and crafts, so you didn't talk about money, whether you
Speaker 1: had it or not, it was just keep it to yourself.
Speaker 1: But I'm finding more and more that is the problem.
Speaker 1: And when I think about partners fighting about money, you know,
Speaker 1: it's control, it's debt, it's resentment over somebody spending too
Speaker 1: much on something. So let's say they go into therapy
Speaker 1: and they get that all worked out. When should either
Speaker 1: a couple or an individual when should they seek a
Speaker 1: financial advisor? At what point do you go I need help?
Speaker 1: And how do you pick somebody? I think the financial
Speaker 1: advisor conversation is important to at least understand and have,
Speaker 1: so I think approaches from two different ways because I
Speaker 1: come from like a personal finance community that it's very
Speaker 1: d I y like they will try to figure it
Speaker 1: out first on their own, and some people like that challenge.
Speaker 1: It's not that many assets, it's not that complicated, so
Speaker 1: they feel like they can manage it themselves, which is fine.
Speaker 1: But I do feel like for some people they may
Speaker 1: need a coach. So I think they're like different things.
Speaker 1: There's a financial advisor who can invest on your behalf
Speaker 1: that has a producer of responsibility and has taken the
Speaker 1: proper courses to advise you in a way that is
Speaker 1: helpful with your investments and your long term strategy. Sometimes
Speaker 1: those advisors also, like our coaches or have may have
Speaker 1: the training also to help you emotionally with money, but
Speaker 1: most times not, and so you might need someone else
Speaker 1: like a money coach, or just follow programs or podcasts
Speaker 1: like that talk more about it. But I think financial
Speaker 1: advisors to a certain point, if you're earning a certain
Speaker 1: amount of money and having it slip away from you,
Speaker 1: meaning like you know you're earning x amount, but then
Speaker 1: like at the end of the day you have nothing
Speaker 1: to show for it or there's nothing invested, that it's
Speaker 1: probably time to get help because you're not in the
Speaker 1: position to help yourself. So looking for an advisor who
Speaker 1: has their CFP or that they have a reducer responsibility
Speaker 1: to make the best recommendations for you, not for them
Speaker 1: to earn the money on things is important. I always
Speaker 1: say asking or starting with your friends, because you may
Speaker 1: be surprised to your friends are working with someone who
Speaker 1: they find reputable. You know, you check to make sure
Speaker 1: that they have all their credentials. But some people are
Speaker 1: comfortable on their own and just investing like an index funds,
Speaker 1: which is just like on autopilot. But some people, depending
Speaker 1: on their lifestyle and their assets, need additional help, me
Speaker 1: professional help. So I think it just depends. I want
Speaker 1: to ask you about what you think about a pre nup.
Speaker 1: You four against whether the whether there's money or not.
Speaker 1: I am for a prenup, but you know I kind
Speaker 1: of feel like, um, a hypocrite because I don't have
Speaker 1: a prenup, so a while I'm for a prenup, I
Speaker 1: don't have one with my husband, so you know there's that.
Speaker 1: But I do believe that it is important to have
Speaker 1: the conversation with your partner about it because you want
Speaker 1: to be here. While we don't ever want or think
Speaker 1: things should end or want to end that you just
Speaker 1: have insurance against that. There's nothing icky that happens after it,
Speaker 1: Like everyone knows what they came in with or what
Speaker 1: they're going to leave with in advance. So I would
Speaker 1: recommend it for the most part. But why why don't
Speaker 1: you have it? Do you think it's because you're not
Speaker 1: betting on your marriage? Like is there an emotional reason
Speaker 1: you don't have a prenupper? Yeah, I would say again,
Speaker 1: like I don't want to sound like one of those
Speaker 1: like naive women that was like, oh, my husband will
Speaker 1: never do that. You know, Like I am thirty eight,
Speaker 1: so I know I look much younger, but I'm thirty eight, right, baby,
Speaker 1: you're a baby on the screen. Right. But my husband
Speaker 1: and I've been together since we were nineteen, and like
Speaker 1: we we literally had nothing together like we're in college,
Speaker 1: broke and there's some things I have a quiet on
Speaker 1: my own, but based on our history and like the
Speaker 1: way we are right now, like you know, I have
Speaker 1: a pretty good sense and feeling about it. But again,
Speaker 1: I know sometimes that's like yeah, Unicorn, like sure you
Speaker 1: do know, I'm sure you do. Yeah, sure you do? Right,
Speaker 1: Like I'm building this like I'm trying to build this
Speaker 1: billion dollar empire, and it's like, yeah, you think you
Speaker 1: know him, but you know what really, Like, I feel
Speaker 1: like I'm not opposed to revisiting the conversation if need be,
Speaker 1: Like let's just say something big word to happen. And
Speaker 1: I would hate to be like that because how ichy
Speaker 1: would that be? Like you're married, Like if it was
Speaker 1: the other way around and the man was coming into
Speaker 1: something and he's like trying to renegotiate with the wife.
Speaker 1: But I do feel like based on our communication, I
Speaker 1: could go to him and say we should maybe talk
Speaker 1: about this and it would be at least a conversation. Yeah,
Speaker 1: but that is that is the stigma with pre nups, right,
Speaker 1: People immediately go, oh, that just means you don't believe
Speaker 1: in our marriage or you don't love me. Or you
Speaker 1: know you're betting on us failing. That's what people think, right, Yeah,
Speaker 1: if I were like now, like meeting someone with what
Speaker 1: I have, and I would definitely get a prenup, But
Speaker 1: I don't know it's something about dan with someone since
Speaker 1: you had nothing that you're just like, listen, but but
Speaker 1: would you advise people to have pre nup? Let's say
Speaker 1: there we're starting out with nothing or is it only
Speaker 1: for people? I would actually say, yeah, you should still
Speaker 1: even without anything. That's like saying people who don't have
Speaker 1: a lot of assets with should they get in the
Speaker 1: state plan? And it's just like there is something to
Speaker 1: leave behind, right like even if not because you don't
Speaker 1: know what you'll acquire, what you'll do within that time
Speaker 1: frame of being together, and whether that is because it's
Speaker 1: due to your own business and what you're working on.
Speaker 1: And sometimes it's to protect your partner, like where what
Speaker 1: if you know one of you is not in the
Speaker 1: corporate space or staying at home more, you know you
Speaker 1: want your partner to be protected in that case where
Speaker 1: they weren't able to go out and earn a salary
Speaker 1: as much as you did, and so often times that
Speaker 1: they gets how you frame the conversation. And yeah, I
Speaker 1: think it's an interesting thing because so many people when
Speaker 1: it comes to love and money and when it comes
Speaker 1: to like taking to the next level, like having a
Speaker 1: document about it, it can get a little a little dicey. Yeah, triggering, Yeah, definitely.
Speaker 1: But then on the flip side, I've known women that said, oh,
Speaker 1: I'll let my partner deal with everything, and then they
Speaker 1: got divorced and suddenly she had zero nothing. He took it,
Speaker 1: he embezzled it, he did whatever he did with it,
Speaker 1: and she has nothing. That to me is a cautionary tale.
Speaker 1: Oh yeah, I think at least you know, you should
Speaker 1: have access to the account, You should know how to
Speaker 1: log into them, you should know where they are. You
Speaker 1: should be just as aware at the tax planning meeting
Speaker 1: at least if you're not in the everyday discussion, like
Speaker 1: you should have access to everything. I think that is
Speaker 1: like a tragic Those are the tragic scenarios, especially when
Speaker 1: like the woman was not able to work because she
Speaker 1: was raising children and because she was supporting like the
Speaker 1: amount of money that she should have been paid that
Speaker 1: allowed you know, the spouse and I don't need to
Speaker 1: make it just a man and woman thing. But even
Speaker 1: if it was vice versa, it's not fair, right, And
Speaker 1: so I think it's really important to have these conversations.
Speaker 1: Take a deep look and talk to your partner. If
Speaker 1: you're feeling shut out or you know, not included, that
Speaker 1: you at least speak up for yourself and have a voice.
Speaker 1: It's important, you know. For me, I don't have that fear.
Speaker 1: You know. It's like my husband came home and said
Speaker 1: I was having an affair and start laughing. But what
Speaker 1: I have a fear of is God forbid something happened
Speaker 1: to him. Because he's been the primary financial person in
Speaker 1: the family. So if he got hit by a bus,
Speaker 1: it's not like I wouldn't know where the money is.
Speaker 1: I wouldn't understand it. I'd say, Okay, we have this
Speaker 1: investment to put away for our kids college, we have this,
Speaker 1: we have you know, it would be incredibly confusing to me,
Speaker 1: and that's what scares me. And that's another reason I
Speaker 1: really wanted you on my podcast, because I have to
Speaker 1: get educated. Well, would you have that conversation with him?
Speaker 1: Does he work with an advisor? Does he have meetings
Speaker 1: with someone helping him with the money? He pretty much
Speaker 1: does it himself, but he yes, there is somebody that
Speaker 1: we do talk to. But again I always think, I'll
Speaker 1: take care of this, and he takes care of that.
Speaker 1: I'll make the chicken parmjan and he'll go talk to
Speaker 1: the advisor about you know, our four oh one kid.
Speaker 1: But you know, because already you're saying like it scares you.
Speaker 1: It seems like it is something that I don't know
Speaker 1: if you brought it to his attention before, have said like, hey,
Speaker 1: bring me in on this, like let's just have a
Speaker 1: meeting on where things are and what things are doing
Speaker 1: and tell him your fear, like I wouldn't want and
Speaker 1: I doubt that he would want you to feel so
Speaker 1: lost and confused as something where God forbids happened to him.
Speaker 1: So almost just like, you know, here's where I'm at,
Speaker 1: what I'm feeling. Can we just sit down and it's
Speaker 1: this little process. It doesn't have to happen in one day, right,
Speaker 1: Let's set a time, Let's make it fun. Get some
Speaker 1: wine whatever you guys like to drink or not drink,
Speaker 1: and sit down and get in the bath. Let's go
Speaker 1: literally like it doesn't some people, I think what happens
Speaker 1: to people think like Okay, there's this big hill or
Speaker 1: big mountain, and you're expected to like climate in one day.
Speaker 1: It's like, no, no, no, we can take our time,
Speaker 1: you know, and hopefully nothing happens with him that time.
Speaker 1: But let's start slow. So the first thing is just
Speaker 1: a conversation about how you're feeling about it. The second
Speaker 1: thing is like, let's just make a meeting. Maybe you
Speaker 1: sit down and show me where things are, like how
Speaker 1: you log into things, and maybe we create like a
Speaker 1: legacy binder they call it, or some type of file
Speaker 1: that says where all the log and accounts whereas every things.
Speaker 1: That way, I can log in on my own and
Speaker 1: see what's happening, or at least nowhere to go if
Speaker 1: I needed to get the information. Oh god, I love
Speaker 1: that a legacy binder. I love that. I really love that.
Speaker 1: I also like the idea of everything being in one
Speaker 1: place too, because I feel like you end up having
Speaker 1: a file cabinet of like bits and pieces and this
Speaker 1: and that, and that also makes me completely overwhelmed by everything.
Speaker 1: So and now let's talk about teaching our children about money.
Speaker 1: So you know, we talked earlier about people understanding their finances,
Speaker 1: people talking about their finances. But now we have other
Speaker 1: generations coming up where we can change the conversation. As
Speaker 1: a mother, I go, how am I going to teach
Speaker 1: my kids about money? To understand it, to be responsible
Speaker 1: with it? Does it start with allowances? I mean, what's
Speaker 1: your advice? Yeah, okay, So I mean my kids are
Speaker 1: pretty young. There are six, four and two, but I
Speaker 1: don't too Yeah, they're at those ages. I can't even
Speaker 1: believe you have time for a podcast. My god, I
Speaker 1: mean either, I just every day. It's just like we're
Speaker 1: just figuring out as we go. I recently started to
Speaker 1: do allowances with them. I put like safe and spend
Speaker 1: like they each have like a little envelope and it's
Speaker 1: not much money because there's three of them. So they
Speaker 1: get like, you know, a dollar each each week for
Speaker 1: each category, so two dollars altogether. And I think it's
Speaker 1: important because for like me, growing up, I physically touched
Speaker 1: money a lot more as a child. Now we live
Speaker 1: in a d stage of invisible money. Everything is invisible.
Speaker 1: You click a button and it comes to you. It's
Speaker 1: stopped at the door. So can you imagine kids growing
Speaker 1: up seeing this? It's just like, what is money? What
Speaker 1: is a dollar, Like sometimes you don't even see that
Speaker 1: it's invisible. So I think getting kids back to understanding
Speaker 1: the real value of what a dollar can buy is important,
Speaker 1: you know. I also try to be aware of the
Speaker 1: language that I use because a lot of us have
Speaker 1: grown up. If you grew up without much, someone telling
Speaker 1: you there's not enough money, this kind of like scarcity mindset,
Speaker 1: and for a reason, because there wasn't enough money to
Speaker 1: pay the bills of out money, and so I try
Speaker 1: to avoid like the things like, well, we don't have
Speaker 1: the money or we're broke. I don't like saying that
Speaker 1: to them because I don't want them to grow up
Speaker 1: with a complex about money and hoarding or feeling like
Speaker 1: they don't have enough versus Okay, that's not a priority
Speaker 1: right now, right, Like, so they want ice cream every
Speaker 1: day from when I picked them up from school, and
Speaker 1: I like, I'm not spending four dollars because you know,
Speaker 1: the ice cream man is charging four dollars for a
Speaker 1: cone now right, I'm just like, we're not doing that
Speaker 1: every day, So we can decide once a week and
Speaker 1: you can save up for it with your you know,
Speaker 1: your spend money, and we can do that. So just
Speaker 1: teach them and give them the money to pay the
Speaker 1: guy so that they understand like what that transaction is.
Speaker 1: And so I think you can start at early at
Speaker 1: this age, the age I think, you know, six and
Speaker 1: four to start talking about money. And then for older
Speaker 1: kids for sure, because so many of us, like college
Speaker 1: was the first time we were on our own with
Speaker 1: money and got in a lot of trouble because of that.
Speaker 1: And so I think with teenagers, especially before they go
Speaker 1: off to college, that conversation around money like needs to happen. Also,
Speaker 1: it's what you said before, but there's no paper. It's
Speaker 1: I get into arguments with my youngest daughter because she
Speaker 1: doesn't understand. You know, when she goes on Amazon, you
Speaker 1: just click a button. It's as if it's free. You know,
Speaker 1: you click this, or you have Venmo or Apple Pay,
Speaker 1: and there's no concept of what's behind it. And I'm
Speaker 1: concerned about it. I'm concerned about it for my kids,
Speaker 1: for your kids, for everyone's kids. That they have no
Speaker 1: concept of savings and even depositing, like all the money
Speaker 1: comes out, they didn't know the money actually should go
Speaker 1: back in. I mean, all the things we're talking about.
Speaker 1: So I feel like if you have older kids, and
Speaker 1: you didn't get a chance to really teach them at
Speaker 1: a younger age. And let's like layer on personality. Some
Speaker 1: kids just no matter what you do, like, their personalities
Speaker 1: are just they're just gonna do what they want anyway.
Speaker 1: But I think it's never too late to say, like, Okay,
Speaker 1: here is actually like a hundred dollars or whatever is
Speaker 1: the budget you can give them for that week or month.
Speaker 1: Have this last ye so if you do want to
Speaker 1: buy something from Amazon, I'm taking that money from the hundred,
Speaker 1: like so they can see like, this is not infinite.
Speaker 1: It's not just infinite money. Yes, we want to live
Speaker 1: an abundance and money comes to us, yes, but right
Speaker 1: now it's not. And this is a hundred dollars and
Speaker 1: this is what chance has spent. Can you do that
Speaker 1: and kind of make it a challenge almost? And haven
Speaker 1: we see what that's like? Now a quick word from
Speaker 1: our sponsors, welcome back to go ask Gali. Let's get
Speaker 1: back to the discussion. I want to talk a little
Speaker 1: bit about money triggers because I think that plays a
Speaker 1: part in again in relationships and how we deal with money. Probably,
Speaker 1: like you said, with kids personalities, you know, the panic, fear, tension,
Speaker 1: stress that goes around money. How do you when you
Speaker 1: talking to people about it, how do you besides saying
Speaker 1: you know, you should talk about it in therapy, but
Speaker 1: how do you reassure everybody? How do you kind of
Speaker 1: calm people down and say, Okay, look this is your
Speaker 1: money dot dot dot? How do you fill that in? Yeah?
Speaker 1: You know, I don't think there's like one thing right
Speaker 1: or like one solution that can help people feel secure.
Speaker 1: But what I will say is exposure and awareness is everything,
Speaker 1: meaning realizing and understanding that there are resources out there
Speaker 1: to learn. Have you found that people are in terms
Speaker 1: of health and COVID nineteen? Are people really nervous? Now?
Speaker 1: Do you think that people are very conservative when it
Speaker 1: comes to anything to do with their finances because the
Speaker 1: world has been so mercurial? Yes, of course absolutely. You know,
Speaker 1: for some people the pandemic has obliterated any savings they've had,
Speaker 1: Like things that they thought were stable jobs were not.
Speaker 1: And in some instances people have made more money during
Speaker 1: the pandemic or were able to save more money if
Speaker 1: they were lucky enough to be home. So I think
Speaker 1: there are different narratives and different stories that people are living.
Speaker 1: But for the most part, I do believe that this
Speaker 1: whole experience, I believe has allowed most people to reevaluate
Speaker 1: what they want, um, you know, the type of work
Speaker 1: life balance they want, what they do want to spend
Speaker 1: the rest of their lives doing. You know, life is
Speaker 1: so precious, We know that, but like seeing as many
Speaker 1: people lose their lives this year, last year, really and
Speaker 1: then continuing is just like a calling card that we
Speaker 1: need to figure out what we're doing in life and
Speaker 1: how can money be a tool that we can use
Speaker 1: now because life is not guaranteed and promised, but then
Speaker 1: also set ourselves up so that we're not you know,
Speaker 1: on the streets. And so I think a lot of
Speaker 1: people are having struggles with how to balance that, and
Speaker 1: it's important to talk about it because a lot of
Speaker 1: people are feeling this way. Yeah, I mean, so many
Speaker 1: deaths and so many livelihood deaths. I mean I have
Speaker 1: friends that have been completely wiped out in the restaurant
Speaker 1: industry and everything, and I just go, oh my god,
Speaker 1: I almost want to take my money and put it
Speaker 1: under my mattress. Yeah, I mean, I do it all
Speaker 1: makes me so nervous. That fleeting idea of life and
Speaker 1: that fleeting idea of like your whole livelihood could be
Speaker 1: taken away so quickly. How do you feel about philanthropy?
Speaker 1: How do you feel about giving a certain percentage of
Speaker 1: salary to helping other people, helping causes? So, I think
Speaker 1: it's very important. I also think that, especially as women,
Speaker 1: we are expected to, you know, if you're a naturally
Speaker 1: a giver, like you know, innately, they say that's what
Speaker 1: women are, right, that's fine. Then some people are just
Speaker 1: naturally you know, they tie them like that's what they
Speaker 1: want to do. But sometimes I feel like it's pushed
Speaker 1: upon us, like we can't just go after the money
Speaker 1: and make sure that we are secure first. So I
Speaker 1: would advise and want everyone to give to the causes
Speaker 1: and the people that need it, Like I think that's important,
Speaker 1: but don't sacrifice your own well being first, Like at
Speaker 1: least make sure you're a float first, because if you're
Speaker 1: not a float and you're already sinking and you're trying
Speaker 1: to like help someone else, and you both drown and sink.
Speaker 1: And so I do think it's important to give back,
Speaker 1: but make sure you are in a solid position to
Speaker 1: do so, and don't use the guilt that society kind
Speaker 1: of sometimes puts on us that we should be, you know,
Speaker 1: more giving and nurturing just because we're women. I think
Speaker 1: when we're in the position to give fully and without
Speaker 1: sacrificing our own well being, then that is a powerful place.
Speaker 1: And so yeah, I think it's important to just make
Speaker 1: sure you're okay first. Okay, that's actually a great lesson
Speaker 1: because before I got married, I actually got into financial
Speaker 1: trouble because I was such a bleeding heart that I
Speaker 1: was like, oh my god, I'm gonna write a check
Speaker 1: for this and for that, and I'll pay my friend's rent,
Speaker 1: and I you know, to the point where I was
Speaker 1: not in a good place. Okay, I want to end
Speaker 1: with two questions. The first question is what is the
Speaker 1: worst thing about money? The worst thing about money, it's
Speaker 1: this idea that only certain people should have it, and
Speaker 1: that is scarce, and I believe it's it's out there.
Speaker 1: I think it's more abundant than we know. But I
Speaker 1: don't want to like think of it in terms of
Speaker 1: two woo woo, where it like people can't relate to that.
Speaker 1: It's more of it's not as unattainable. Yeah, it's not
Speaker 1: as unattainable as you'd like to think. And so I
Speaker 1: think more people should have more access than money. I
Speaker 1: think there should be some baseline income. There should be
Speaker 1: some just things that we have as a humans on
Speaker 1: this planet in America, like our healthcare and writes for
Speaker 1: moms like that should like it shouldn't be as hard
Speaker 1: and limited to people like essential workers, people who teachers
Speaker 1: like that stuff. It should come freely to these people.
Speaker 1: I agree. We wouldn't be so polarized right now if
Speaker 1: that were the case. What's the best thing about money
Speaker 1: is the best thing about money is that if you
Speaker 1: see it as a tool, then you realize that you
Speaker 1: can use it in a way that suits your lifestyle,
Speaker 1: that suits your wants and needs. It's not the end
Speaker 1: all and problem solver. I know it sounds. It sounds
Speaker 1: so when people say that who have money, because it's like, yeah, sure,
Speaker 1: give me your money. You say money is not everything,
Speaker 1: or you say money is not gonna fix all my problems,
Speaker 1: just give me your money. Then so I get that,
Speaker 1: And at a certain level, we need money to pay
Speaker 1: our baseline expenses. But I really want people to do
Speaker 1: like the work that they think they'll have to do
Speaker 1: when they have the money. So people say, well, when
Speaker 1: I get the money, I'll be happy and figure out
Speaker 1: what I want to do in my life. And I
Speaker 1: think there's a way to do it at the same time,
Speaker 1: like do the internal work first, because the money will
Speaker 1: not solve everything, and will solve a lot, but it
Speaker 1: doesn't solve everything. So do that work first internally, right,
Speaker 1: The attachment to love, the attachment to all that stuff. Yeah, yeah,
Speaker 1: that's great. Gosh, we covered a lot of grounds. It's amazing.
Speaker 1: I'm so happy. Yeah, I love it. This was fun. Jamila,
Speaker 1: thank you so much for being on go ask Alli.
Speaker 1: Thank you so much, Ali for having me. You know,
Speaker 1: one of the things that really occurred to me during
Speaker 1: this podcast was the famous line from Jerry McGuire a
Speaker 1: movie I was in with Tom Cruise, which is show
Speaker 1: me the money. And I think what we have to
Speaker 1: do is just show the money. Let's take off all
Speaker 1: the layers of protection off of money. Money is not love,
Speaker 1: money is not wealth. Money doesn't mean anything. Let's keep
Speaker 1: it strictly business. Money is money. Let's not be ashamed
Speaker 1: to talk about it. Let's make money grow for us,
Speaker 1: Let's make money flourish for us. And let's learn everything
Speaker 1: about it because knowledge is everything. And the first thing
Speaker 1: on my to do list is a legacy notebook. I
Speaker 1: want to know where all our money is, where it's going,
Speaker 1: and where it's coming from. That's the first step in
Speaker 1: control of your money. The second step is Wow, that
Speaker 1: sounded smart. I'm gonna go buy myself something. Thank you
Speaker 1: for listening to Go Ask Ali. Join me next week
Speaker 1: for my enlightened conversation with world renowned mystic visionary and
Speaker 1: Yogi Said Guru about spirituality and his new book entitled Karma,
Speaker 1: Yogi's Guide to Crafting Your Destiny. You will be incredibly
Speaker 1: surprised as to what karma really means. Be sure to subscribe,
Speaker 1: rate and leave a review, and follow me in my
Speaker 1: undoctored posts on social media. I'm on Twitter at Ali
Speaker 1: e Wentworth and on Instagram at the Real Ali Wentworth.
Speaker 1: Go Ask Gali is a production of Shonda land Audio
Speaker 1: and partnership with I Heart Radio. For more podcasts from
Speaker 1: Shonda land Audio, visit the I Heart Radio app, Apple Podcasts,
Speaker 1: or wherever you listen to your favorite shows.