WEBVTT - Reflecting on Our Financial Goals 0:00:06.200 --> 0:00:21.760 Hey, hey, hey, we're back. We're Black Brad Ambition ambition, 0:00:22.440 --> 0:00:26.520 ambis ambition ambition. Hey Andrew you doing. 0:00:26.840 --> 0:00:28.480 I'm trying to do the viral. 0:00:30.640 --> 0:00:36.960 A monster seen this that Megan the Stallion, like Japanese 0:00:36.960 --> 0:00:40.320 song I've heard, there's like this dance everyone's doing, and 0:00:40.400 --> 0:00:41.920 I'll just I'll stop. 0:00:41.960 --> 0:00:43.720 No one needs does it require good needs? 0:00:45.400 --> 0:00:49.360 No, it's a pretty It's a lot of like handography. 0:00:49.440 --> 0:00:50.279 Okay, I could do that. 0:00:50.320 --> 0:00:52.200 You know, I got like a little hip hop. 0:00:52.280 --> 0:00:53.519 I don't got that. I don't got the knees, but 0:00:53.520 --> 0:00:55.760 I got my wrist are still a little. 0:00:57.160 --> 0:00:59.680 It's what would be summer without like a little viral 0:00:59.680 --> 0:01:02.000 TikTok dance moment. And I'm just glad because that song 0:01:02.080 --> 0:01:05.920 is hot. And shout out to Japanese music because maybe 0:01:06.000 --> 0:01:08.360 like K pop is that girl right now? Everyone is 0:01:08.400 --> 0:01:11.640 into k pop, but like you know what, I don't 0:01:11.680 --> 0:01:13.360 know who this young man is that she has on 0:01:13.360 --> 0:01:16.280 this track or is she on his track? I don't 0:01:16.319 --> 0:01:21.440 know anyway, love it, Love it for them. Happy September, 0:01:21.880 --> 0:01:26.960 yes or August or whatever, Happy pumpkin spice latte season. 0:01:27.080 --> 0:01:31.400 I know, let's just say that it's post Labor Day yes, 0:01:31.560 --> 0:01:34.920 And I mean, I know we're deeper into the year, 0:01:35.200 --> 0:01:39.040 but I feel like it's a good time for a 0:01:39.160 --> 0:01:44.840 check in and check up of like your financial plus goals. 0:01:46.040 --> 0:01:48.720 It's like, looking back, it's like the September hangover after 0:01:48.760 --> 0:01:55.840 the summer being outside. Yes, this summer was EXPOSI but 0:01:56.160 --> 0:01:58.520 the shitty the worst part is that now the holidays 0:01:58.520 --> 0:02:01.640 are coming and it's like, oh, just let's get it 0:02:01.680 --> 0:02:04.440 together right before example. 0:02:04.480 --> 0:02:06.640 This is an episode let's check in and check up. 0:02:07.120 --> 0:02:10.760 Y'all listening. Good opportunity to check in and check check 0:02:10.840 --> 0:02:14.560 up as well. So, yeah, do you remember, like what 0:02:14.639 --> 0:02:16.760 your goals were in January? You're like, oh, this year 0:02:16.800 --> 0:02:18.280 I hope to do got that? Would it came to 0:02:18.360 --> 0:02:19.880 your like your finances. 0:02:19.360 --> 0:02:22.680 Plus Tiffany, I'm not going to lie to you. 0:02:23.160 --> 0:02:25.960 I mean, you know, in January I was in like 0:02:26.080 --> 0:02:30.560 peak mental health crisis. Like I didn't make any sort 0:02:30.600 --> 0:02:34.600 of goals, Like the only goals I had January leading 0:02:34.600 --> 0:02:36.760 into feb than my dad had his like whole thing. 0:02:37.120 --> 0:02:38.840 It was like survival was. 0:02:38.800 --> 0:02:39.359 My only thing. 0:02:39.600 --> 0:02:40.160 Yeah. 0:02:40.200 --> 0:02:41.320 But one. 0:02:42.680 --> 0:02:45.679 One shiny, like one of the bright spots when I 0:02:45.720 --> 0:02:49.600 think about that period is that I hosted Mama's Night 0:02:49.680 --> 0:02:52.720 in which was an event at my house where I 0:02:52.720 --> 0:02:58.160 invited like twenty women, like local like neighbors and friends 0:02:58.200 --> 0:02:59.280 and had this. 0:02:59.280 --> 0:03:00.520 Like killer party. 0:03:01.120 --> 0:03:03.400 I don't know who she was that hosted that party 0:03:03.440 --> 0:03:06.600 at the time, but my goal at the time, because 0:03:06.600 --> 0:03:08.640 you and I talked a lot about making more connections 0:03:08.639 --> 0:03:10.120 and stuff, and my goal at the time was to 0:03:10.200 --> 0:03:15.800 do one of those again. So yeah, but everything else 0:03:15.840 --> 0:03:19.359 that I probably should have made a goal, like saving 0:03:19.480 --> 0:03:23.919 more and bringing in more income from the business, and 0:03:24.080 --> 0:03:27.120 like writing this book. I'm not going to lie. Those 0:03:27.160 --> 0:03:32.760 three things not weren't cute. Weren't cute, But I am 0:03:32.880 --> 0:03:36.440 proud that in the past month or so, I am 0:03:36.520 --> 0:03:39.000 finally making progress on that. So I'm trying to like 0:03:39.560 --> 0:03:42.720 put aside the disappointment and what I thought could be 0:03:43.320 --> 0:03:45.280 the first six months of this year and just like 0:03:45.360 --> 0:03:47.680 make peace and just say, Okay, I'm putting my best 0:03:47.680 --> 0:03:49.960 foot forward now and let's get going again. 0:03:50.160 --> 0:03:52.280 Oh, we're gonna call this episode back half Heavy. That's 0:03:52.280 --> 0:03:54.880 one of my friend He says that, like back half 0:03:54.920 --> 0:03:58.360 Heavy four, like you know, the half of the year, 0:03:58.440 --> 0:03:59.920 like you know, the happening this back half we go, 0:04:00.280 --> 0:04:05.000 we gonna hit it hard. It's heavy that's going on. 0:04:05.080 --> 0:04:05.560 This is it? 0:04:08.040 --> 0:04:10.080 What about you? Miss condo. 0:04:10.760 --> 0:04:15.720 Honestly, my goal saying for the business was just never 0:04:15.800 --> 0:04:19.440 would have made it. I mean it was I was 0:04:19.520 --> 0:04:23.720 just trying to save the business. January was so business 0:04:23.760 --> 0:04:27.360 wise fraught with is we gonna make it? Because the 0:04:27.480 --> 0:04:31.599 year was so hard, and we had like almost no 0:04:31.680 --> 0:04:33.599 month of emergency saving and we had one month of 0:04:33.600 --> 0:04:36.919 emergency savings left. Everything was going down, Like one of 0:04:36.920 --> 0:04:39.520 my businesses were down over forty percent. The other one 0:04:40.240 --> 0:04:43.320 was just dragging the Bunjanista was just dragging January. I mean, 0:04:43.360 --> 0:04:46.840 December was dismal, and so my main focus in January 0:04:46.960 --> 0:04:49.600 was just if we can get a head up of water. 0:04:50.520 --> 0:04:53.960 So we hit January hard and we did, thankfully. And 0:04:54.000 --> 0:04:57.800 so personally Rathie, had I bought the condo, had I 0:04:57.880 --> 0:05:01.040 closed on it, I feel like I close on the 0:05:01.040 --> 0:05:05.400 condo maybe the end of twenty twenty three, I think, 0:05:07.160 --> 0:05:08.800 or maybe I closed in the beginning of twenty one. 0:05:08.960 --> 0:05:12.360 It was such a whirlwind, if I'm being honest, so 0:05:12.960 --> 0:05:16.279 I believe that already closed on the condo. I feel 0:05:16.279 --> 0:05:18.840 like I was letting the person who lived there before 0:05:18.920 --> 0:05:22.039 lived there for a few months. So you know, she 0:05:22.120 --> 0:05:25.400 paid me the carrying costs because you know she I 0:05:25.400 --> 0:05:28.039 guess I don't know where she was moving. So my 0:05:28.200 --> 0:05:33.560 personal goals were as far as financial, were to like 0:05:34.480 --> 0:05:37.760 create a budget, to you know, to renovate the condom. 0:05:38.120 --> 0:05:40.120 And I'm sure I blew past it. At some point, 0:05:40.160 --> 0:05:42.440 you know, you just stop counting and like, eh, just 0:05:42.520 --> 0:05:44.920 buy it. Here's my card. So I did not stick 0:05:44.960 --> 0:05:47.880 to budget, but I'm not mad at it. 0:05:47.960 --> 0:05:53.839 And so it looks so stunning. Think it looks so good. 0:05:53.960 --> 0:05:56.400 To like that was one of looks good. 0:05:56.520 --> 0:05:57.520 It's so good. 0:05:58.120 --> 0:06:00.240 Was to enjoy the money I worked so hard to make. 0:06:00.360 --> 0:06:02.800 That was one of my goals because everybody knows I'm 0:06:02.800 --> 0:06:08.840 a bit of a mice Carl Cheapy and I told myself, Tiffany, 0:06:09.320 --> 0:06:12.360 you know, you don't spend a lot of money. And 0:06:12.520 --> 0:06:16.440 my sister Tracy and I have this, like we have 0:06:16.600 --> 0:06:19.599 this funny line that we say to each other, like 0:06:19.640 --> 0:06:21.560 when we're going to spend money in ways that are 0:06:21.600 --> 0:06:24.360 not quote unquote traditionally responsible, what is the money for? 0:06:25.440 --> 0:06:28.880 You know? So she'll say, like, you know, like you know, 0:06:28.920 --> 0:06:31.080 I'll say, like, oh, you know, we should get super eats. 0:06:31.120 --> 0:06:33.920 You know, and maybe like two rolls of sushi is 0:06:33.960 --> 0:06:36.040 like fifty bucks, and it's like that's a lot because 0:06:36.040 --> 0:06:38.040 we don't feel like picking it up. And she's like, girl, 0:06:38.120 --> 0:06:41.800 what is the money for? You know? And so many 0:06:41.920 --> 0:06:44.719 like enjoyment and so I have. I'm proud of myself 0:06:44.760 --> 0:06:47.160 that I can't balance that though, Yes that I bounce, yes, 0:06:47.160 --> 0:06:49.520 because you know me, like I didn't have balance. On 0:06:49.560 --> 0:06:52.840 the other side, I'm like, no deb no overspending, no this, 0:06:52.960 --> 0:06:54.800 no that, no this, you know. And then the other 0:06:54.880 --> 0:06:56.800 side is like, you know, you get to enjoy, you 0:06:56.839 --> 0:06:58.960 get to create a beautiful place where you want to live. 0:06:59.600 --> 0:07:02.120 So I say, all in all, with this halfway through 0:07:02.120 --> 0:07:05.600 the year plus, I'm kind of where I wanted to be. 0:07:06.839 --> 0:07:08.960 I definitely said I wanted to start to trade this 0:07:09.120 --> 0:07:12.040 year and lean into that. I have not, so that's 0:07:12.040 --> 0:07:15.000 probably yeah, that I really I mean I started a 0:07:15.000 --> 0:07:17.160 little bit because I took my friend Terry's course. I'm 0:07:17.200 --> 0:07:20.040 just so scared. I don't know why, what's going on? 0:07:20.160 --> 0:07:21.520 Yeah, you were gonna, I remember that. 0:07:21.600 --> 0:07:26.120 Now you were gonna do it alongside Yes, the people 0:07:26.160 --> 0:07:28.120 who signed up for Terry's challenge. 0:07:28.760 --> 0:07:31.280 So when we just talked to Terry this week I 0:07:31.400 --> 0:07:34.280 did and so I took the class. I took the 0:07:34.360 --> 0:07:36.720 course and I did some of the simulations. I'm like 0:07:36.800 --> 0:07:40.000 afraid to actually jump in, jump in. I think I'm 0:07:40.000 --> 0:07:42.400 still holding on to that time that my first investing 0:07:42.640 --> 0:07:45.640 remember with Jake the Thief, my first investing jumbo when 0:07:45.680 --> 0:07:48.120 I was in my twenties and like I lost everything. 0:07:48.200 --> 0:07:51.200 So I think I'm still carrying that, like that fear 0:07:51.240 --> 0:07:54.480 alongside me of like really jumping in and moving beyond 0:07:54.640 --> 0:07:56.720 just the learning and the practicing to the doing. 0:07:56.800 --> 0:07:59.560 Like I don't trust myself almost, But so that's where 0:07:59.560 --> 0:08:01.360 I am half way through the year, really try and 0:08:01.760 --> 0:08:04.880 I would really love to end the year with taking 0:08:04.920 --> 0:08:07.120 some trades for real, even if it's just ten hours, 0:08:07.200 --> 0:08:08.920 just to show myself see you can do it. 0:08:09.200 --> 0:08:13.720 Yeah. State farm agents are small business owners too, so 0:08:13.800 --> 0:08:16.520 they know how to help you choose personalized policies that 0:08:16.600 --> 0:08:19.280 fit your needs, like a good neighbor State farm is 0:08:19.280 --> 0:08:24.920 there talk to your local agent today? Gosh, I mean 0:08:25.080 --> 0:08:28.080 it's like that mind block. So when you have that fear, 0:08:28.360 --> 0:08:30.280 like is it something that when you you can log 0:08:30.320 --> 0:08:32.520 onto the site like what's your what's your brokerage? That 0:08:32.559 --> 0:08:35.920 you're using to trade a trade a trade. So when 0:08:35.920 --> 0:08:40.200 you get there, have you like looked at something to purchase? 0:08:40.520 --> 0:08:42.360 You know? Is it that you just get stuck? 0:08:42.840 --> 0:08:44.800 Yeah? I think each thing has a simulation. Is a 0:08:44.800 --> 0:08:49.360 sinker swim, there's a simulation I've been using. Yeah, think, yeah, 0:08:49.400 --> 0:08:52.080 think a swim, and so I've used it. But yeah, 0:08:52.120 --> 0:08:55.040 so when I go on, even though obviously I'm not 0:08:55.040 --> 0:08:56.760 gonna be trading with one hundred thousand dollars out of 0:08:56.760 --> 0:08:58.920 the game, what comes up in my head is like, 0:08:58.960 --> 0:09:01.080 what if you make a mistake. This is real money. 0:09:02.000 --> 0:09:04.960 What if you make a mistake? Even though if I 0:09:05.080 --> 0:09:07.920 lose two three hundred dollars, it's not going to put 0:09:07.920 --> 0:09:10.800 me in a bad financial state. I don't know. It's 0:09:10.880 --> 0:09:13.960 like this compounding, like snowball that like two hundred least 0:09:13.960 --> 0:09:16.080 is twenty least to twenty at least to two hundred 0:09:16.120 --> 0:09:18.040 thousand at leasta you're on the street again. 0:09:19.040 --> 0:09:21.800 Yeah, it's like it's almost like you're thinking of it, 0:09:21.840 --> 0:09:23.840 like when you go to Vegas and if you place 0:09:23.880 --> 0:09:26.320 a losing bet and then you just keep digging yourself 0:09:26.360 --> 0:09:29.720 in deeper to get out. However, like, what are some 0:09:29.920 --> 0:09:31.480 facts like can we check the facts on that. 0:09:31.600 --> 0:09:34.040 Yeah, thanks, you get doctor Green, look at doctor Man. Yes, 0:09:34.080 --> 0:09:34.480 you're right. 0:09:34.840 --> 0:09:38.280 Wait, you know what, I just did my emotion regulation 0:09:38.400 --> 0:09:44.640 homework from group therapy my DDT shout out to dialectical 0:09:44.720 --> 0:09:48.439 behavioral therapy, y'all it is that girl. But yeah, checking 0:09:48.480 --> 0:09:51.560 the facts is so important and I'm just like, so, 0:09:51.640 --> 0:09:53.720 let's sit with that. Do you think you're going to fail? 0:09:53.760 --> 0:09:56.320 But what's the reality. So let's say the worst happens, 0:09:56.480 --> 0:10:01.000 you invest five hundred dollars and I lose it. But 0:10:01.040 --> 0:10:03.200 what does that mean in trading? Like you lose it 0:10:03.240 --> 0:10:05.280 because the stock value plummets. 0:10:06.320 --> 0:10:09.240 Yes, so let's just say, like you, you know, buy 0:10:09.280 --> 0:10:12.360 a stock at it, like you know, it's it's five 0:10:12.440 --> 0:10:14.679 hundred dollars a share and you're hoping that's going to 0:10:14.679 --> 0:10:17.080 go up to five fifty, but it goes down to 0:10:17.120 --> 0:10:19.680 two fifty and you're like, yikes, you know what I 0:10:19.720 --> 0:10:22.760 put in? I lost? You know, like what I put in? 0:10:23.960 --> 0:10:24.760 And what is a rule? 0:10:24.800 --> 0:10:29.000 Does Terry have like a rule around like when to 0:10:29.040 --> 0:10:31.240 sell a loser? You know? 0:10:31.440 --> 0:10:34.280 She also has like you could do these stock losses basically, 0:10:34.480 --> 0:10:36.080 so you could even say, if it gets to this 0:10:36.240 --> 0:10:39.600 job abandoned ship, so you don't actually have to go down, down, down, 0:10:39.679 --> 0:10:40.480 So that's that is. 0:10:40.440 --> 0:10:43.040 In place, so there's no way you'd lose everything. Also, 0:10:43.080 --> 0:10:45.439 if you invest in Apple share, it's never going to 0:10:45.520 --> 0:10:49.600 hit zero. Yeah, very likely to very unlikely to hit zero. 0:10:50.080 --> 0:10:52.120 I think what's really I don't is a fact of 0:10:52.200 --> 0:10:54.520 money that we're like now that we're talking through it, 0:10:54.559 --> 0:10:56.880 I think my fear is not so much about the 0:10:56.960 --> 0:11:01.160 loss of money. It is about proving to myself. See 0:11:01.160 --> 0:11:02.640 I told you didn't know how to do it, just 0:11:02.679 --> 0:11:07.200 like before, you know, like you know, like see you know, 0:11:07.360 --> 0:11:09.560 like you're not too far off from that twenty five 0:11:09.600 --> 0:11:12.720 year old Tiffany that made those big, big, big bets 0:11:12.720 --> 0:11:15.560 on yourself and you know when it came to investing 0:11:15.559 --> 0:11:18.000 and you messed up everything. So I think it's like, 0:11:18.400 --> 0:11:20.760 if you mess up this small thing, it's an indicative 0:11:20.800 --> 0:11:24.079 of like you'll make bigger mistakes in investing. Better to 0:11:24.120 --> 0:11:26.719 say we're say where it's safe, like almost like I'm 0:11:26.760 --> 0:11:29.560 afraid that if I have a loss, it proves to 0:11:29.600 --> 0:11:32.040 me that I can't do this, I can't invest in 0:11:32.080 --> 0:11:36.120 this way, and it's better for me not to know 0:11:36.400 --> 0:11:39.079 whether that's true or not, and so that that's what 0:11:39.120 --> 0:11:42.079 like I'm struggling with. Like this, the self talk I'm 0:11:42.080 --> 0:11:45.439 telling myself is you don't know how to actively invest. 0:11:46.559 --> 0:11:48.160 You know that you're not capable, you don't know how. 0:11:48.200 --> 0:11:50.240 You already made a big mistake. And if you do 0:11:50.280 --> 0:11:52.720 start to actively invest, even if you do well at first, 0:11:53.600 --> 0:11:55.480 you're probably going to make a huge mistake and lose 0:11:55.559 --> 0:11:58.120 all of the games you've done with budgetets in your business. 0:11:58.880 --> 0:11:59.360 You know that. 0:11:59.520 --> 0:12:03.360 Okay, well that just took a huge because wait, I 0:12:03.400 --> 0:12:05.000 missed the part where you said you were going to 0:12:05.080 --> 0:12:07.800 invest your budget needs to money. I know you were 0:12:07.880 --> 0:12:09.760 going to invest like your business fund. 0:12:10.320 --> 0:12:14.360 I know I did, but I just it won't. That's 0:12:16.679 --> 0:12:19.720 that's why I lead to. I lead to like one 0:12:19.800 --> 0:12:21.040 thing means everything. 0:12:22.360 --> 0:12:25.440 M Yeah, yeah. 0:12:25.480 --> 0:12:28.680 I mean it's like teaching Rio to ride his bike 0:12:28.720 --> 0:12:33.400 without the training wheels and he fell and I was like, yeah, 0:12:33.400 --> 0:12:36.000 you're gonna fall again, So definitely don't ride that bike anymore. 0:12:36.800 --> 0:12:38.200 You know, do you think that was good advice? 0:12:39.200 --> 0:12:40.120 You screwed it up. 0:12:41.280 --> 0:12:42.800 You're gonna screw it up again. 0:12:43.480 --> 0:12:44.640 Know that that's what practice is. 0:12:46.800 --> 0:12:51.840 Exactly, And I think the practice will build your confidence. Yeah, 0:12:52.200 --> 0:12:54.959 And like that five And it's like I also would 0:12:54.960 --> 0:12:57.360 say the fact is that twenty How old were you 0:12:57.400 --> 0:13:01.320 when that guy scammed you twenty five thousand dollars? How 0:13:01.360 --> 0:13:01.960 old are you now? 0:13:02.840 --> 0:13:05.240 I'm twenty forty five this year, I know. 0:13:05.360 --> 0:13:09.000 So twenty years. You haven't learned something in twenty years? 0:13:09.679 --> 0:13:09.960 I know? 0:13:12.400 --> 0:13:14.280 Also, who else is? Who else do you know right now? 0:13:14.280 --> 0:13:19.360 Who's twenty? Supergirl? I mean she's not quite twenty, No. 0:13:19.360 --> 0:13:25.480 She's seventeen, but she turned to eighteen this year, so 0:13:25.640 --> 0:13:26.280 close enough. 0:13:27.840 --> 0:13:30.480 Like what would you say to yourself? I'm sure you 0:13:30.520 --> 0:13:33.360 have talked to yourself at twenty like that woman, the 0:13:33.360 --> 0:13:36.640 young woman who thought she was like doing something with 0:13:36.679 --> 0:13:40.040 all this money and then got scammed? Like have you 0:13:40.080 --> 0:13:40.800 forgiven her? 0:13:41.160 --> 0:13:44.520 Maybe that's what it is. Maybe I'm just like just 0:13:44.520 --> 0:13:47.199 I mean, what's for you? Why didn't you ask for help? 0:13:47.720 --> 0:13:51.000 Because I thought that you know, that's what it is. 0:13:51.040 --> 0:13:52.960 I at that time, you know, when you're twenty, swore 0:13:53.000 --> 0:13:56.520 you know everything. And I know my dad was a 0:13:56.520 --> 0:13:59.040 whole CFO and an accountant and had his master's and 0:13:59.080 --> 0:14:01.199 finally everything. I didn't tell him anything because. 0:14:00.960 --> 0:14:02.680 Girl, I know best. 0:14:03.920 --> 0:14:07.120 I didn't ask for help and I just wonder why 0:14:07.160 --> 0:14:09.360 didn't she ask for help? There's a level. I think 0:14:09.400 --> 0:14:11.240 what it is is that there's a level of arrogance 0:14:11.280 --> 0:14:14.440 that comes with young people that like I can do it, 0:14:15.320 --> 0:14:17.960 and I guess I'm like wanting. I'm the opposite of 0:14:17.960 --> 0:14:20.360 that now where I'm like, oh, I can't do it. 0:14:20.400 --> 0:14:23.680 I can't do it. So I would tell her that, like, one, 0:14:23.720 --> 0:14:25.760 you should have asked for help, but two he was 0:14:25.800 --> 0:14:28.560 a liar, a cheater, scammer, Like that doesn't give anybody 0:14:28.560 --> 0:14:31.240 a right to cheat and scam me just because you 0:14:31.240 --> 0:14:35.360 didn't ask for help and scammer, Yeah, profession because I 0:14:35.400 --> 0:14:37.840 found out later. I mean like literally, he's tried by 0:14:37.880 --> 0:14:39.560 the federal government. Like when I looked up his name, 0:14:39.560 --> 0:14:41.000 he has a very unique his name is not Jake, 0:14:41.520 --> 0:14:43.640 he's a very unique names. When I looked him up, 0:14:43.640 --> 0:14:47.040 I said, wow, not the United States government literally taking 0:14:47.120 --> 0:14:50.000 him to court. So this is a person who, even 0:14:50.000 --> 0:14:54.120 if I did know, this is a professional, professional scammer. 0:14:54.840 --> 0:14:57.640 Yeah. Well, think about everyone who invested with Bernie Sanders 0:14:57.720 --> 0:15:01.360 or any other Ponzi scheme runner. Those were intelligent people, 0:15:01.480 --> 0:15:06.200 like I mean not just intelligent, but like had we're 0:15:06.240 --> 0:15:11.480 already extremely wealthy, and they were they were conned, you 0:15:11.480 --> 0:15:14.720 know in that situation, and I think that shame around it, 0:15:15.520 --> 0:15:18.800 like you just don't want it to stop you from 0:15:19.120 --> 0:15:21.080 like it's not fair. It's like he doesn't get to 0:15:21.200 --> 0:15:25.400 rob you of this opportunity. It's almost like you have 0:15:25.760 --> 0:15:28.280 given that person a little bit of power. But in 0:15:28.320 --> 0:15:30.920 this situation, another fact is that, well, you're not investing 0:15:30.960 --> 0:15:31.880 in someone's what. 0:15:31.840 --> 0:15:33.520 Did he want you to invest in? Was it a 0:15:33.520 --> 0:15:34.480 business or something. 0:15:34.320 --> 0:15:36.800 Some commodities, like to purchase things that he was going 0:15:36.840 --> 0:15:38.400 to sell leader in some shops. So it's not that 0:15:38.560 --> 0:15:39.000 at all. 0:15:38.880 --> 0:15:40.160 That were like unregulated. 0:15:40.200 --> 0:15:42.680 You didn't see any of the reports. But now you're 0:15:42.720 --> 0:15:46.040 like we're talking about like blue chip stocks potentially like 0:15:46.640 --> 0:15:50.920 an Apple. These people you can read their filings, you 0:15:50.960 --> 0:15:53.920 can read there the news about them. It is a 0:15:53.960 --> 0:15:57.200 lot more transparent. You're not like you're the one in 0:15:57.200 --> 0:15:59.240 the driver's seat too, Like it's not like you're trading 0:15:59.240 --> 0:16:02.160 a you're not in trusting a financial advisor and investment 0:16:02.200 --> 0:16:04.520 advisor to trade your money for you, Like you're the 0:16:04.560 --> 0:16:08.960 one in control. You can see where it's going now. 0:16:09.000 --> 0:16:10.480 I see Terry told me because I told her, like 0:16:10.520 --> 0:16:13.280 all my fears she told me, like at least six 0:16:13.360 --> 0:16:16.400 months just trade, you know, the paper trading. See what 0:16:16.440 --> 0:16:19.360 it feels like to lose some, win some. So that way, 0:16:19.400 --> 0:16:20.720 you know, you start to She's like, I just want 0:16:20.720 --> 0:16:23.200 you to get your muscle memory together where you're like, 0:16:23.240 --> 0:16:25.720 I'm actually in control of this that like like I 0:16:25.760 --> 0:16:28.400 know that I think it was there was a huge 0:16:28.440 --> 0:16:30.880 dip in the market not too long ago, and she 0:16:31.080 --> 0:16:32.800 was like, you know, but I have my stop losses 0:16:32.800 --> 0:16:34.680 in place where it's like, oh, if it goes to here, 0:16:35.040 --> 0:16:37.800 not that far, don't take it that far. And so 0:16:38.080 --> 0:16:41.600 what I do like is when I see Terry, I 0:16:41.640 --> 0:16:45.280 love the fact that there is a lot of autonomy 0:16:46.000 --> 0:16:48.840 in her income. Like we know how it is with business. 0:16:48.840 --> 0:16:51.040 People think with business that we out here like ow, 0:16:51.640 --> 0:16:54.600 I tell my business give me money and she gives it. 0:16:54.800 --> 0:16:56.680 This is like I'm sorry, you better talk to me 0:16:56.800 --> 0:17:00.480 nice and funally. And so what I do like that 0:17:00.560 --> 0:17:04.080 I see with Terry that there is more of with 0:17:04.240 --> 0:17:08.679 enough research. Obviously nothing is guaranteed. With enough research. She 0:17:08.800 --> 0:17:11.160 follows like a handful of stocks that she can say, 0:17:11.640 --> 0:17:14.359 you know what, I can tell the stock because the 0:17:14.480 --> 0:17:17.280 last five six years I've been researching it. If I 0:17:17.320 --> 0:17:18.840 put my money here in a day or two, I 0:17:18.840 --> 0:17:20.639 should get that money plus some back. She took a 0:17:20.640 --> 0:17:22.760 trade not too long ago. She would two hundred thousand 0:17:22.760 --> 0:17:25.280 and then got nine hundred thousand back, and she was like, yeah, 0:17:25.280 --> 0:17:27.960 but that wasn't just like oh I saw it today. 0:17:28.040 --> 0:17:29.600 She said, this is a stock that I've gotten to 0:17:29.600 --> 0:17:32.560 know very very very very very well, and I knew 0:17:32.560 --> 0:17:34.480 it's in denounce and ups and downs, and so I 0:17:34.640 --> 0:17:37.240 like that thought of like there is on top of 0:17:37.240 --> 0:17:39.359 my business because I love doing that. I have a 0:17:39.359 --> 0:17:42.119 little more autonomy on how much money I'm able to 0:17:42.280 --> 0:17:45.399 make for myself without having to wait for my you know, 0:17:45.440 --> 0:17:48.320 the business ebbs and flows and people who I work with, 0:17:48.440 --> 0:17:51.159 And I want that autonomy to be able to say, 0:17:51.600 --> 0:17:54.520 you know, like a part of my income comes from 0:17:54.640 --> 0:17:56.640 a place that I have more control over. 0:17:59.240 --> 0:18:05.920 Yeah, I mean I think that we or I don't know. 0:18:06.080 --> 0:18:07.919 It feels like to me, you've gotten to like the 0:18:07.960 --> 0:18:10.040 heart of why you're feeling that way. Now it's just 0:18:10.040 --> 0:18:10.720 about the action. 0:18:11.040 --> 0:18:13.840 So what is like, what's the next step, what's. 0:18:13.640 --> 0:18:14.560 The what's the action? 0:18:14.800 --> 0:18:17.480 So you're in you've taken Terry's course already, or is 0:18:17.480 --> 0:18:18.640 it like you've done. 0:18:18.560 --> 0:18:20.320 All taking it. So like I take like you know, 0:18:20.359 --> 0:18:21.720 a court, and then I do whatever the homework. I 0:18:21.720 --> 0:18:25.359 take course with the homework. I think the next step. 0:18:25.400 --> 0:18:28.560 I think what I need is quite honestly, like a partner, 0:18:29.200 --> 0:18:33.080 like someone to do it alongside me, because I need 0:18:33.080 --> 0:18:34.360 someone like, you know, it's like going to the gym. 0:18:34.400 --> 0:18:36.080 I need someone to be like, oh, either once a 0:18:36.080 --> 0:18:38.040 week and once every two weeks to kind of check 0:18:38.080 --> 0:18:40.480 in and be like okay, knowing, Oh damn, I got 0:18:40.480 --> 0:18:42.080 to get on the phone Mandy, and I have to 0:18:42.080 --> 0:18:44.840 have done that you know, that module and try that thing. 0:18:45.680 --> 0:18:46.200 Mm hm. 0:18:46.240 --> 0:18:49.000 So ies she have within the program? Is there like 0:18:49.040 --> 0:18:51.600 a communility structure too? 0:18:52.160 --> 0:18:54.199 Yeah, so there is a community. I just haven't like. 0:18:55.000 --> 0:18:56.359 It's the same reason why I don't have a personal 0:18:56.400 --> 0:18:58.080 trainer because I'm like, damn, I don't want anybody to 0:18:58.119 --> 0:19:00.000 hold me accountable. But I'm like, damn, I need someone 0:19:00.000 --> 0:19:02.639 to hold me account of play. So I need to 0:19:02.640 --> 0:19:05.800 pick And my sister Carol, like she really is really 0:19:06.080 --> 0:19:07.040 like good at investing. 0:19:07.040 --> 0:19:08.640 I was not to say, what about that sister who 0:19:08.680 --> 0:19:10.200 wants to who's like an investor? 0:19:10.240 --> 0:19:12.639 It's Carol. She's like really good girl. She bought Tesla 0:19:12.640 --> 0:19:14.720 when it was thirty dollars a share. She tried to 0:19:14.760 --> 0:19:17.359 tell us that's how she paid for her wedding. She 0:19:17.520 --> 0:19:19.760 was like, there's this company called Tesla because she's an engineer. 0:19:19.800 --> 0:19:22.439 It is so exciting. We were like, she told us 0:19:22.440 --> 0:19:24.600 for two years. I can't remember how much she put. 0:19:24.640 --> 0:19:26.359 I think she put like fifteen hundred dollars in and 0:19:26.359 --> 0:19:29.280 got back like forty thousand dollars and she showed her 0:19:29.320 --> 0:19:31.800 shares and that's how she and her had paid for 0:19:31.840 --> 0:19:34.679 their wedding. And I was like, wow, why did you 0:19:34.760 --> 0:19:37.280 tell me? She's like I did for two years? I 0:19:37.320 --> 0:19:38.120 told the group chat. 0:19:39.119 --> 0:19:41.400 So anyway, so now what is she doing? 0:19:41.600 --> 0:19:45.280 She wanted to do this with you, you know, trade. 0:19:45.200 --> 0:19:47.200 She does, but like light you know, but I should 0:19:47.240 --> 0:19:50.240