1 00:00:03,240 --> 00:00:06,600 Speaker 1: Heyba Fam, I could not be more excited to introduce 2 00:00:06,640 --> 00:00:09,600 Speaker 1: you to my guest in the studio this week, looking 3 00:00:09,680 --> 00:00:12,720 Speaker 1: a vision in red. I don't know if y'all were 4 00:00:12,760 --> 00:00:15,880 Speaker 1: like me growing up, but becoming a magazine editor was 5 00:00:15,920 --> 00:00:19,400 Speaker 1: that just every millennial teenage girls like fantasy. You know, 6 00:00:19,440 --> 00:00:21,360 Speaker 1: we all wanted to be a tusive Rubin scene from 7 00:00:21,400 --> 00:00:25,200 Speaker 1: seventeen and that that was like it. That was the 8 00:00:25,200 --> 00:00:28,000 Speaker 1: only sort of like famous editor I knew growing up, 9 00:00:28,040 --> 00:00:30,680 Speaker 1: but I in high school that was my dream. I 10 00:00:30,720 --> 00:00:32,920 Speaker 1: wanted to become a magazine editor. I was going to 11 00:00:33,000 --> 00:00:36,000 Speaker 1: have my own magazine for girls like me. And I 12 00:00:36,120 --> 00:00:39,279 Speaker 1: did actually, you know, pursue my career in journalism and 13 00:00:40,120 --> 00:00:42,720 Speaker 1: got into magazines and very quickly got kicked out because 14 00:00:42,760 --> 00:00:44,839 Speaker 1: of the recession. But when I see an exception to 15 00:00:44,880 --> 00:00:48,320 Speaker 1: that rule, and an exception who is also passionate, like 16 00:00:48,360 --> 00:00:51,880 Speaker 1: we are at Brown Ambition of teaching women about personal 17 00:00:52,000 --> 00:00:56,760 Speaker 1: finance and about becoming financially independent and investing and building wealth, 18 00:00:56,800 --> 00:00:59,080 Speaker 1: It's like, Okay, no brainer, I have to have this 19 00:00:59,120 --> 00:01:01,920 Speaker 1: woman on. So without further ado, I want to welcome 20 00:01:02,040 --> 00:01:05,720 Speaker 1: Jessica Krule to the Brown Ambition. Fam to the studio. 21 00:01:06,319 --> 00:01:09,880 Speaker 1: Welcome and for those who For those who don't know, 22 00:01:10,000 --> 00:01:12,880 Speaker 1: Jessica is the editor in chief of Allure magazine as 23 00:01:12,880 --> 00:01:15,560 Speaker 1: well as Self Magazine because she's not busy enough. Now 24 00:01:15,560 --> 00:01:18,160 Speaker 1: she's the magazine of not one but sorry, the editor 25 00:01:18,200 --> 00:01:21,400 Speaker 1: in chief of not one, but two major magazines, and 26 00:01:21,880 --> 00:01:26,600 Speaker 1: in that role she leads the development of multiplatform editorial content, 27 00:01:26,760 --> 00:01:30,640 Speaker 1: so digital, social video. And of course we're all familiar 28 00:01:30,640 --> 00:01:33,560 Speaker 1: with the Allure Best of Beauty Awards franchise. So and 29 00:01:33,560 --> 00:01:35,800 Speaker 1: then we got twenty twenty five coming up. We're excited 30 00:01:35,840 --> 00:01:40,319 Speaker 1: to see what's made the cut. So, Jessica, thank you 31 00:01:40,400 --> 00:01:43,320 Speaker 1: so much for joining me. I'm Brown Ambition, thank you 32 00:01:43,360 --> 00:01:44,360 Speaker 1: so much for having me. 33 00:01:44,800 --> 00:01:50,920 Speaker 2: I'm a longtime listener, first time participant. Yes, I'm a fan. 34 00:01:51,800 --> 00:01:55,440 Speaker 3: I listen to a lot of personal finance and finance 35 00:01:55,480 --> 00:01:57,559 Speaker 3: podcasts and you all are definitely on my list. 36 00:01:58,000 --> 00:02:01,000 Speaker 1: Oh that's amazing to hear. So we're doing something right, yes, 37 00:02:01,120 --> 00:02:04,120 Speaker 1: for sure, doing something right. Okay, so we have some 38 00:02:04,160 --> 00:02:08,240 Speaker 1: stuff in common. One journalism magazines. Did you study journalism? 39 00:02:08,280 --> 00:02:09,360 Speaker 1: Was that your career path? 40 00:02:10,000 --> 00:02:10,280 Speaker 2: Yeah? 41 00:02:10,320 --> 00:02:12,880 Speaker 3: I went to the University of North Carolina in Chapel 42 00:02:12,919 --> 00:02:16,320 Speaker 3: Hill and got my degree in journalism and sociology, which 43 00:02:16,360 --> 00:02:17,520 Speaker 3: was kind of like my side degree. 44 00:02:17,680 --> 00:02:20,720 Speaker 1: But yeah, I went to J school, so that's another 45 00:02:20,760 --> 00:02:22,040 Speaker 1: thing we have in common. I went to a big 46 00:02:22,040 --> 00:02:24,280 Speaker 1: state school too, University of Georgia. 47 00:02:24,440 --> 00:02:26,200 Speaker 2: Oh my goodness. My dad wanted me to go there 48 00:02:26,320 --> 00:02:31,000 Speaker 2: so bad. That's all right, But because I'm originally from. 49 00:02:30,760 --> 00:02:34,359 Speaker 3: Georgia, I'm from Georgia. I'm from all Benny, Georgia. 50 00:02:34,800 --> 00:02:37,040 Speaker 2: Oh many, Okay, yeah. 51 00:02:37,120 --> 00:02:39,640 Speaker 3: But also, you know you mentioned you wanted to make 52 00:02:39,639 --> 00:02:42,640 Speaker 3: a magazine for girls, just like you. Actually, my senior 53 00:02:42,680 --> 00:02:46,120 Speaker 3: project in high school was a magazine called Onyx, and 54 00:02:46,160 --> 00:02:48,400 Speaker 3: it was a magazine for black girls. 55 00:02:49,080 --> 00:02:53,200 Speaker 2: And yeah, I still have it to this day, which is. 56 00:02:53,160 --> 00:02:55,119 Speaker 1: So rare, a physical magazine that you play. 57 00:02:55,200 --> 00:02:57,760 Speaker 3: Yeah, it was a physical magazine and I was on 58 00:02:57,800 --> 00:03:06,000 Speaker 3: both covers, the flip cover of course, I'm smart. 59 00:03:05,960 --> 00:03:11,280 Speaker 1: As Oprah and Jessica putting on every color cover. Oh man, 60 00:03:11,480 --> 00:03:14,160 Speaker 1: yes I too. I And you know what I realized, 61 00:03:14,280 --> 00:03:17,160 Speaker 1: Jessica in this moment, this is really it's kind of 62 00:03:17,240 --> 00:03:19,440 Speaker 1: hitting me with a wave right now. Is I still 63 00:03:19,480 --> 00:03:22,880 Speaker 1: did do that. It's just a podcast, not a magazine. 64 00:03:22,800 --> 00:03:25,840 Speaker 3: Exactly, which is which is you know something I always 65 00:03:25,919 --> 00:03:30,000 Speaker 3: tell you know, people, I mentor is that sometimes the 66 00:03:30,120 --> 00:03:33,120 Speaker 3: job that you're meant for or the job that you want. 67 00:03:32,960 --> 00:03:34,200 Speaker 2: Doesn't exist yet. 68 00:03:34,320 --> 00:03:36,720 Speaker 3: You know, when you were at UGA, When I was 69 00:03:36,760 --> 00:03:40,000 Speaker 3: at UNC, podcasting wasn't what it is today. It was 70 00:03:40,080 --> 00:03:45,480 Speaker 3: still very much so radio and like MPR, and so 71 00:03:45,720 --> 00:03:47,640 Speaker 3: this is a medium that has really grown in the 72 00:03:47,720 --> 00:03:52,400 Speaker 3: years that we have grown ourselves. And so you never 73 00:03:52,480 --> 00:03:54,800 Speaker 3: know what career is waiting for you and how your 74 00:03:54,920 --> 00:03:58,760 Speaker 3: dream and skill set is going to be used and 75 00:03:58,920 --> 00:03:59,840 Speaker 3: new and inciting. 76 00:04:01,040 --> 00:04:02,920 Speaker 1: Yeah, if I could go back, I'd probably tell Baby 77 00:04:02,920 --> 00:04:05,560 Speaker 1: Mandy or anyone else like in college or dreaming up 78 00:04:05,600 --> 00:04:08,200 Speaker 1: your career, it's just like to be open to the ride, 79 00:04:09,120 --> 00:04:11,880 Speaker 1: like if you know, the skills remained the same. I 80 00:04:12,040 --> 00:04:15,800 Speaker 1: was so my like my identity was so wrapped up 81 00:04:15,800 --> 00:04:19,400 Speaker 1: in being a writer and an editor and being in 82 00:04:19,480 --> 00:04:23,440 Speaker 1: the publishing world. And I did end up there. When 83 00:04:23,440 --> 00:04:25,520 Speaker 1: I told you, I got hired at a magazine. Reader's 84 00:04:25,520 --> 00:04:27,440 Speaker 1: Digest was my first job in New York. That's what 85 00:04:27,520 --> 00:04:30,240 Speaker 1: got me. That was my ticket out of Georgia, me 86 00:04:30,279 --> 00:04:33,960 Speaker 1: and my little suitcase. And when I moved up here, 87 00:04:34,040 --> 00:04:37,080 Speaker 1: this was a winter of twenty ten, so fifteen. 88 00:04:37,200 --> 00:04:39,599 Speaker 2: Fifteen years Jesus. 89 00:04:40,720 --> 00:04:44,240 Speaker 1: Anyway, moving along, and three months in I was let 90 00:04:44,240 --> 00:04:46,760 Speaker 1: go and then I but that was such a gift 91 00:04:46,839 --> 00:04:52,479 Speaker 1: because I pivoted into legal and then eventually business and 92 00:04:52,520 --> 00:04:57,160 Speaker 1: then financial content and this whole you know, just like 93 00:04:57,400 --> 00:05:00,479 Speaker 1: this epiphany that I had about my fine is in 94 00:05:00,480 --> 00:05:03,960 Speaker 1: wealth building and this education. So I love that you 95 00:05:04,000 --> 00:05:07,280 Speaker 1: said that, And it's like you're still being true to 96 00:05:07,320 --> 00:05:10,359 Speaker 1: your to yourself from when you were younger, but just 97 00:05:10,400 --> 00:05:12,760 Speaker 1: being open to that the picture made just look different 98 00:05:13,360 --> 00:05:18,360 Speaker 1: over time. Yeah, all right, So what's your story as 99 00:05:18,360 --> 00:05:22,800 Speaker 1: far as studying journalism? How do you move to New 100 00:05:22,880 --> 00:05:25,320 Speaker 1: York City and just make the dream that we all 101 00:05:25,400 --> 00:05:27,479 Speaker 1: dreamt come true for yourself? 102 00:05:28,400 --> 00:05:30,760 Speaker 3: Well, similar to what you said, I actually moved here 103 00:05:30,800 --> 00:05:35,280 Speaker 3: in summer twenty eleven, so one year after you and 104 00:05:36,120 --> 00:05:40,680 Speaker 3: I came with the subly sent a suitcase and an 105 00:05:40,760 --> 00:05:42,760 Speaker 3: internship okay, and. 106 00:05:42,720 --> 00:05:45,120 Speaker 2: An internship at a place called your Tango. 107 00:05:45,480 --> 00:05:49,760 Speaker 3: And while I was there, Yeah, while I was there, 108 00:05:50,000 --> 00:05:53,520 Speaker 3: I was you know, networking, and I had another internship. 109 00:05:53,560 --> 00:05:55,440 Speaker 3: I think people often think when you graduate your colleges 110 00:05:55,440 --> 00:05:58,360 Speaker 3: will have a job, But in that you know, climate 111 00:05:58,600 --> 00:05:59,440 Speaker 3: what would. 112 00:05:59,200 --> 00:06:01,520 Speaker 1: Think that's kind of like the whole promise of a 113 00:06:01,520 --> 00:06:04,880 Speaker 1: freaking four year degree. Right at the least they could 114 00:06:04,920 --> 00:06:06,960 Speaker 1: give us a job, do you know what I mean? Yeah, 115 00:06:07,080 --> 00:06:08,280 Speaker 1: out of this world. 116 00:06:08,320 --> 00:06:09,359 Speaker 2: That's not what happened. 117 00:06:09,880 --> 00:06:13,760 Speaker 3: I got two internships after I graduated, but I was 118 00:06:13,920 --> 00:06:15,640 Speaker 3: applying for full time jobs at the same time. 119 00:06:15,680 --> 00:06:16,760 Speaker 2: And then I got my first job. 120 00:06:16,640 --> 00:06:20,360 Speaker 3: At Pop Sugar, and I worked there for several years, 121 00:06:20,800 --> 00:06:23,080 Speaker 3: and I worked my way up, you know, worked at 122 00:06:23,080 --> 00:06:27,520 Speaker 3: different publications, all focused on beauty. After those internships, I 123 00:06:27,560 --> 00:06:31,080 Speaker 3: realized beauty was the target of what I wanted to cover, 124 00:06:32,040 --> 00:06:34,800 Speaker 3: which also includes wellness in a lot of ways, and 125 00:06:34,920 --> 00:06:39,000 Speaker 3: so I worked my way up, worked at Self Magazine 126 00:06:39,080 --> 00:06:42,279 Speaker 3: for a while. I worked at Refinery between nine for 127 00:06:42,320 --> 00:06:45,119 Speaker 3: a while, and then about five years ago I landed 128 00:06:45,160 --> 00:06:48,360 Speaker 3: at A Lore, and three and a half years ago 129 00:06:48,400 --> 00:06:49,440 Speaker 3: I became editor in chief. 130 00:06:49,279 --> 00:06:49,680 Speaker 2: Of A Lore. 131 00:06:50,160 --> 00:06:52,680 Speaker 1: That's a crazy fast track. I get the sense in 132 00:06:52,760 --> 00:06:57,480 Speaker 1: magazine world things changed quick, you know, headsby rolling and 133 00:06:57,520 --> 00:07:00,839 Speaker 1: moving around, and I think that's kind of exciting. But 134 00:07:00,880 --> 00:07:04,120 Speaker 1: it does feel like kind of a volatile, kind of 135 00:07:04,720 --> 00:07:08,600 Speaker 1: like an intense kind of industry or feel to work in. 136 00:07:08,880 --> 00:07:09,440 Speaker 1: Am I wrong? 137 00:07:09,560 --> 00:07:13,600 Speaker 3: Yeah, you know, it's interesting because when I first came 138 00:07:13,680 --> 00:07:17,280 Speaker 3: to New York for my first internship, which happened to 139 00:07:17,280 --> 00:07:22,600 Speaker 3: be at self in four Time Square, and I remember 140 00:07:23,000 --> 00:07:24,680 Speaker 3: talking to some of the editors and they were like, 141 00:07:24,720 --> 00:07:27,920 Speaker 3: go back to school and figure out the Internet, you know, 142 00:07:28,040 --> 00:07:32,320 Speaker 3: because at that time print was very challenged as it 143 00:07:32,480 --> 00:07:35,080 Speaker 3: you know, you know, it's tough in print. 144 00:07:35,560 --> 00:07:36,840 Speaker 2: And so I did that. 145 00:07:36,880 --> 00:07:39,679 Speaker 3: I went back home home to you know, North Carolina 146 00:07:39,760 --> 00:07:42,440 Speaker 3: where I was going to school, and I changed my 147 00:07:42,520 --> 00:07:46,400 Speaker 3: major from reporting, which was more of a print focus, 148 00:07:46,600 --> 00:07:48,040 Speaker 3: to multimedia. 149 00:07:48,800 --> 00:07:51,320 Speaker 1: And so that's nice that you guys had one of those. 150 00:07:51,640 --> 00:07:53,280 Speaker 2: Yeah, we had a multimedia program. 151 00:07:53,520 --> 00:07:57,240 Speaker 1: Dusty magazine they let me. They I always joke that, like, 152 00:07:57,280 --> 00:07:59,040 Speaker 1: I think I was the last person to be allowed 153 00:07:59,040 --> 00:08:02,960 Speaker 1: to study a magazine like as a focus. So that 154 00:08:03,040 --> 00:08:06,160 Speaker 1: was when you were in college. Okay, what a great yes, 155 00:08:06,440 --> 00:08:08,400 Speaker 1: I you know what this is when it matters where 156 00:08:08,400 --> 00:08:10,800 Speaker 1: you get your internship, because my internship was at Reader's 157 00:08:10,840 --> 00:08:13,560 Speaker 1: Digest and they're probably like Internet, we're afraid of that. 158 00:08:14,000 --> 00:08:16,880 Speaker 1: But the fact that someone told you, like, girl, get ahead. 159 00:08:16,640 --> 00:08:19,840 Speaker 3: Of this, yeah, and that really helped me because you know, 160 00:08:20,560 --> 00:08:23,280 Speaker 3: it does move fast, and I was set. 161 00:08:23,120 --> 00:08:26,560 Speaker 2: Up for success in the digital realm. All my jobs 162 00:08:26,720 --> 00:08:28,800 Speaker 2: were digitally focused. 163 00:08:28,800 --> 00:08:32,640 Speaker 3: And you know, as beauty became more and more about 164 00:08:32,679 --> 00:08:36,440 Speaker 3: social and TikTok, I was really set up to succeed 165 00:08:36,520 --> 00:08:39,320 Speaker 3: in the new ecosystem that is required of a publication 166 00:08:39,760 --> 00:08:41,880 Speaker 3: in this day and age. 167 00:08:42,120 --> 00:08:44,079 Speaker 1: Yeah, I mean, what do you think the takeaway? I 168 00:08:44,120 --> 00:08:46,160 Speaker 1: mean for me career wise, because I also have a 169 00:08:46,200 --> 00:08:49,760 Speaker 1: career coaching practice, and I'm always trying to encourage women 170 00:08:49,840 --> 00:08:52,960 Speaker 1: to not get so wrapped up in the one job 171 00:08:52,960 --> 00:08:54,480 Speaker 1: that they have now, but keep their eye on the 172 00:08:54,520 --> 00:08:56,920 Speaker 1: bigger picture. So for you, what does that look like 173 00:08:56,960 --> 00:08:59,640 Speaker 1: even now? I mean, for I know, for a fact, 174 00:08:59,679 --> 00:09:02,800 Speaker 1: like having spoken to incredible people on the show, and 175 00:09:02,840 --> 00:09:06,000 Speaker 1: just for my own career, you think, in a you know, 176 00:09:06,040 --> 00:09:08,079 Speaker 1: in the seventeen year old version of myself, editor in 177 00:09:08,160 --> 00:09:11,480 Speaker 1: chief is like the mountaintop, but it's not really. It 178 00:09:11,480 --> 00:09:14,839 Speaker 1: can be just you know, a really nice you know, 179 00:09:15,000 --> 00:09:17,880 Speaker 1: a really nice vista on the way to where you 180 00:09:17,920 --> 00:09:20,040 Speaker 1: want to be. So in the picture of your career, like, 181 00:09:20,040 --> 00:09:22,080 Speaker 1: what do you really hope in envisioning for yourself? 182 00:09:23,160 --> 00:09:25,200 Speaker 3: You know what I love about being editor in chief 183 00:09:25,240 --> 00:09:28,439 Speaker 3: is a storytelling I think that I rarely. 184 00:09:28,280 --> 00:09:30,680 Speaker 2: Get to do now because of veteran chief. 185 00:09:31,040 --> 00:09:34,240 Speaker 3: You know, I think people think I too had that 186 00:09:34,360 --> 00:09:37,760 Speaker 3: dream of wearing a fancy suit, working in a big, 187 00:09:37,800 --> 00:09:43,040 Speaker 3: fancy building in New York, and you know, being a 188 00:09:43,080 --> 00:09:46,520 Speaker 3: badass in general. And I looked up one day and 189 00:09:46,559 --> 00:09:48,320 Speaker 3: I do get to do that. I get to do 190 00:09:48,440 --> 00:09:50,400 Speaker 3: and be those things, which is great. 191 00:09:52,320 --> 00:09:52,720 Speaker 2: For me. 192 00:09:53,000 --> 00:09:54,680 Speaker 3: I think as long as I continue to get to 193 00:09:54,720 --> 00:09:57,640 Speaker 3: tell stories of women, as long as I have a 194 00:09:57,679 --> 00:10:02,280 Speaker 3: platform to share knowledge, whether that be at a publication 195 00:10:02,440 --> 00:10:05,160 Speaker 3: like I do now with the Lauren's Self or on 196 00:10:05,200 --> 00:10:08,120 Speaker 3: my own personal platform, I think that is what really 197 00:10:08,120 --> 00:10:11,800 Speaker 3: excites me. The storytelling. I love to interview people. It's 198 00:10:11,800 --> 00:10:13,920 Speaker 3: one of my favorite things. I believe everyone has a 199 00:10:13,920 --> 00:10:16,520 Speaker 3: book in them, so, you know, I think a book 200 00:10:16,600 --> 00:10:17,520 Speaker 3: might be in my future. 201 00:10:17,880 --> 00:10:21,800 Speaker 2: I just love to tell stories, you know. I love podcasting. 202 00:10:21,880 --> 00:10:23,559 Speaker 3: Who knows, I might have a podcast in my future, 203 00:10:24,000 --> 00:10:26,360 Speaker 3: so who knows what that is. But the thing that 204 00:10:26,440 --> 00:10:29,960 Speaker 3: I really love about being Tter in Chief is nowadays 205 00:10:30,000 --> 00:10:32,600 Speaker 3: it's a lot like being a. 206 00:10:31,960 --> 00:10:33,280 Speaker 2: Business leader, you know. 207 00:10:33,480 --> 00:10:37,680 Speaker 3: So I have been able to take my expertise in 208 00:10:37,720 --> 00:10:42,120 Speaker 3: personal finance and learn a lot about business, you know, 209 00:10:42,840 --> 00:10:44,920 Speaker 3: running a business, running a P and L and all 210 00:10:44,960 --> 00:10:47,680 Speaker 3: of that in this job, which you know, journalism is 211 00:10:47,760 --> 00:10:51,480 Speaker 3: very creative. It's very words based, but now I'm very 212 00:10:51,480 --> 00:10:55,240 Speaker 3: in numbers based, so that that's really an interesting shift 213 00:10:55,240 --> 00:10:55,440 Speaker 3: for me. 214 00:10:56,200 --> 00:10:59,040 Speaker 1: What helped you there? Was it mentors? Was it? Did 215 00:10:59,080 --> 00:11:01,600 Speaker 1: you do more studying? Was it just like learning on 216 00:11:01,640 --> 00:11:03,320 Speaker 1: the job? What helped you in that sense? 217 00:11:03,880 --> 00:11:07,600 Speaker 3: I definitely was learning on the job, But I hired 218 00:11:07,600 --> 00:11:11,360 Speaker 3: an executive coach at my company was good enough to 219 00:11:11,360 --> 00:11:14,000 Speaker 3: provide me with an executive coach, And I recommend an 220 00:11:14,040 --> 00:11:16,920 Speaker 3: executive coach to everyone who's taking on a big leadership role, 221 00:11:17,000 --> 00:11:19,679 Speaker 3: managing a big team, doing a big change in their 222 00:11:19,679 --> 00:11:24,560 Speaker 3: career because the thing that is hardest about taking on 223 00:11:24,600 --> 00:11:28,200 Speaker 3: a role from more of an individual contributor role or 224 00:11:28,400 --> 00:11:32,760 Speaker 3: middle manager to kind of a corporate leader is the politics. 225 00:11:33,160 --> 00:11:37,280 Speaker 3: There's so many politics and interpersonal relationships that you have 226 00:11:37,320 --> 00:11:40,040 Speaker 3: to manage, and I felt like my executive coach really 227 00:11:40,080 --> 00:11:44,079 Speaker 3: helped me to learn how to navigate that because those 228 00:11:44,080 --> 00:11:45,599 Speaker 3: are things that people don't teach. 229 00:11:45,440 --> 00:11:46,479 Speaker 2: Your sawce skills. 230 00:11:46,960 --> 00:11:49,520 Speaker 3: There's like making decks, which as a writer, I was like, 231 00:11:49,559 --> 00:11:50,080 Speaker 3: oh make that. 232 00:11:50,200 --> 00:11:53,440 Speaker 1: Oh my god, but you really have always a job 233 00:11:53,480 --> 00:11:54,079 Speaker 1: for the EA. 234 00:11:54,679 --> 00:11:58,120 Speaker 3: You have to make decks as like a leader who 235 00:11:58,160 --> 00:12:00,199 Speaker 3: wants to get a point across and wants to ask 236 00:12:00,240 --> 00:12:03,120 Speaker 3: for investment. So, you know, these are things that I 237 00:12:03,840 --> 00:12:05,559 Speaker 3: really think an executive coach. 238 00:12:05,360 --> 00:12:09,559 Speaker 2: Can help with. Very smart, very smart, very work therapist. 239 00:12:10,400 --> 00:12:11,880 Speaker 1: Do you still work with them? How do you What 240 00:12:11,920 --> 00:12:13,400 Speaker 1: was that relationship ending? What was it? 241 00:12:14,559 --> 00:12:18,920 Speaker 3: Well, my time ended and I felt like I had 242 00:12:18,920 --> 00:12:22,439 Speaker 3: gotten a handle on it and I was able to 243 00:12:22,520 --> 00:12:25,320 Speaker 3: navigate on my own. And I do feel that if 244 00:12:25,360 --> 00:12:27,360 Speaker 3: there's a moment where I need to go back to them, 245 00:12:27,440 --> 00:12:32,920 Speaker 3: that that is open to me. But I do you 246 00:12:32,960 --> 00:12:34,960 Speaker 3: just come upon a point, you know, after a year 247 00:12:35,080 --> 00:12:37,440 Speaker 3: or so, I you know, after you've done all the 248 00:12:37,480 --> 00:12:40,520 Speaker 3: seasons of a role, I kind of feel like you're like, Okay, 249 00:12:40,559 --> 00:12:43,480 Speaker 3: I've done this before, Like I know this type of 250 00:12:43,640 --> 00:12:46,240 Speaker 3: time of year means, and you kind of get a 251 00:12:46,280 --> 00:12:48,679 Speaker 3: little accustomed to that and prepared for that mentally. 252 00:12:49,160 --> 00:12:51,720 Speaker 1: Yeah, I'm glad to hear that they did that. Yeah, 253 00:12:51,760 --> 00:12:54,080 Speaker 1: and gave you that support that you needed. All right, 254 00:12:54,120 --> 00:12:57,280 Speaker 1: So where did your personal when did your personal finance journey? Again, 255 00:12:57,400 --> 00:12:59,320 Speaker 1: you said your expertise in it, So when did you 256 00:12:59,320 --> 00:13:01,880 Speaker 1: start building that is something that you grew up with or. 257 00:13:03,040 --> 00:13:04,720 Speaker 2: You know, I grew up. 258 00:13:06,720 --> 00:13:10,280 Speaker 3: Knowing a little bit about money, you know, my grandparents 259 00:13:10,600 --> 00:13:13,480 Speaker 3: and my parents had stock in my name, like, so 260 00:13:13,840 --> 00:13:16,800 Speaker 3: I used to get those little mutual fund uh in 261 00:13:16,880 --> 00:13:18,480 Speaker 3: the mail, Like it would be so exciting to have 262 00:13:18,480 --> 00:13:19,960 Speaker 3: something with my name on it come in the mail. 263 00:13:20,640 --> 00:13:25,120 Speaker 3: And it was like reports of how my stock was 264 00:13:25,160 --> 00:13:27,439 Speaker 3: doing that my grandfather put aside for me. 265 00:13:27,440 --> 00:13:29,440 Speaker 2: When I was first born. Uh. 266 00:13:29,800 --> 00:13:32,280 Speaker 3: So that is like the first time that I was like, 267 00:13:32,320 --> 00:13:38,480 Speaker 3: I got money, but it wasn't like serious, right, And 268 00:13:38,520 --> 00:13:41,640 Speaker 3: then I will say I was I'm a natural saver, 269 00:13:42,600 --> 00:13:47,400 Speaker 3: so know that. But I will say I've always been 270 00:13:47,760 --> 00:13:51,800 Speaker 3: very frugal, Like I went to school on full scholarship, 271 00:13:52,520 --> 00:13:55,280 Speaker 3: I still had a job because I was like I 272 00:13:55,400 --> 00:13:58,760 Speaker 3: just I was, I'm scared of being broke. I will say, 273 00:13:58,960 --> 00:14:05,520 Speaker 3: like being broken as my big So I really feel 274 00:14:05,559 --> 00:14:09,680 Speaker 3: like money has always been kind of something that I 275 00:14:09,760 --> 00:14:12,880 Speaker 3: made sure I had made sure that I was cautious 276 00:14:12,920 --> 00:14:17,320 Speaker 3: around saved a lot of it. But I feel like 277 00:14:17,400 --> 00:14:20,600 Speaker 3: I really started to plan around money. 278 00:14:22,040 --> 00:14:23,480 Speaker 2: When I turned thirty. 279 00:14:24,480 --> 00:14:25,280 Speaker 1: Okay, and. 280 00:14:26,720 --> 00:14:29,440 Speaker 3: It was after a breakup. I was with someone and 281 00:14:29,480 --> 00:14:33,120 Speaker 3: we were living together. He bought an investment property and 282 00:14:33,440 --> 00:14:36,200 Speaker 3: I watched the whole process of him getting an investment 283 00:14:36,200 --> 00:14:38,960 Speaker 3: property and then we broke up and we lit up 284 00:14:38,960 --> 00:14:42,240 Speaker 3: and had to move apart, and I started to think 285 00:14:42,240 --> 00:14:43,360 Speaker 3: about buying a house of my own. 286 00:14:43,560 --> 00:14:47,000 Speaker 2: I was like, well, I see what he was talking about. 287 00:14:47,080 --> 00:14:48,160 Speaker 2: If he can do it, I can do it. 288 00:14:48,760 --> 00:14:51,640 Speaker 3: So I ended up starting to look for my first house, 289 00:14:51,880 --> 00:14:56,680 Speaker 3: which then led me to the Financial Independence Retirement early community. 290 00:14:56,800 --> 00:14:58,680 Speaker 1: Oh she a fire, girly yes. 291 00:14:58,840 --> 00:15:01,600 Speaker 3: And then I got serious and I was like, all right, boom, 292 00:15:01,920 --> 00:15:05,080 Speaker 3: what's the situation? What's my percentages? How much my am 293 00:15:05,080 --> 00:15:07,200 Speaker 3: maxing out my for a one k? I maxing out 294 00:15:07,200 --> 00:15:10,320 Speaker 3: my rock? You know, like I really got serious about 295 00:15:10,400 --> 00:15:12,120 Speaker 3: and also like saving for a house, buying a house 296 00:15:12,200 --> 00:15:13,160 Speaker 3: is an expensive purchase. 297 00:15:13,400 --> 00:15:14,440 Speaker 1: What year around? 298 00:15:14,920 --> 00:15:16,800 Speaker 2: So that was twenty nineteen when I bought my first house. 299 00:15:16,840 --> 00:15:18,400 Speaker 1: Twenty nineteen. Oh good timing. 300 00:15:18,920 --> 00:15:20,320 Speaker 2: Yeah, it was great timing. 301 00:15:20,640 --> 00:15:22,320 Speaker 1: I bought my first mine in twenty eighteen. 302 00:15:22,720 --> 00:15:25,560 Speaker 2: Yeah good timing too, So my idea. 303 00:15:25,560 --> 00:15:27,240 Speaker 1: I hated every minute of it. My husband made me 304 00:15:27,280 --> 00:15:27,520 Speaker 1: do it. 305 00:15:27,840 --> 00:15:29,600 Speaker 2: Oh really really, now. 306 00:15:29,480 --> 00:15:32,560 Speaker 1: He's gloating, but yeah, yeah, yeah, yeah, so it's cool. 307 00:15:32,600 --> 00:15:34,640 Speaker 1: But I wasn't thinking of it as an income property. 308 00:15:34,720 --> 00:15:36,680 Speaker 1: So when you bought your first property, wasn't meant to 309 00:15:36,720 --> 00:15:37,680 Speaker 1: be an income property. 310 00:15:37,800 --> 00:15:38,760 Speaker 2: It was meant to be an income. 311 00:15:38,800 --> 00:15:39,760 Speaker 1: Okay, where'd you buy it? 312 00:15:39,800 --> 00:15:40,280 Speaker 2: Yeah? 313 00:15:40,320 --> 00:15:44,440 Speaker 3: I bought in Newark, New Jersey, and I was house 314 00:15:44,440 --> 00:15:48,160 Speaker 3: hacking brick City, yes, rick City, so and I was 315 00:15:48,160 --> 00:15:51,720 Speaker 3: house hacking. So I lived in the bottom and I 316 00:15:51,760 --> 00:15:53,880 Speaker 3: had two tenants at the top, in the top of 317 00:15:53,920 --> 00:15:59,840 Speaker 3: a duplex. So uh, it paid for itself and uh. 318 00:16:01,040 --> 00:16:04,280 Speaker 3: And once all the renovations were done, which was very 319 00:16:04,400 --> 00:16:08,080 Speaker 3: very interesting experience as a single woman doing renovations on 320 00:16:08,080 --> 00:16:11,120 Speaker 3: a house and dealing with contractors and all of that. 321 00:16:11,520 --> 00:16:13,920 Speaker 3: I you know, now I make money off of it, 322 00:16:13,960 --> 00:16:14,600 Speaker 3: which is great. 323 00:16:15,040 --> 00:16:17,480 Speaker 1: Oh nice. So eventually you were able to move out 324 00:16:17,520 --> 00:16:18,320 Speaker 1: of that duplex. 325 00:16:18,440 --> 00:16:20,240 Speaker 2: No, so I actually still live there. 326 00:16:20,560 --> 00:16:25,720 Speaker 3: So it's a duplex, but it has like the it's 327 00:16:25,720 --> 00:16:29,240 Speaker 3: like I have roommates basically, right, So it's two apartments, 328 00:16:29,240 --> 00:16:31,800 Speaker 3: but one of those apartments is double level, and I 329 00:16:31,840 --> 00:16:33,520 Speaker 3: live on the lower level and the tennants of one 330 00:16:33,520 --> 00:16:34,479 Speaker 3: of the top level. 331 00:16:34,600 --> 00:16:37,720 Speaker 2: So it ends up being almost like three separate apartments. 332 00:16:38,160 --> 00:16:41,800 Speaker 3: But it's technically a duplex, so I technically have roommates, 333 00:16:42,160 --> 00:16:43,960 Speaker 3: but I have my own entrants and all of that, 334 00:16:44,680 --> 00:16:49,840 Speaker 3: and so I live there rent free mortgagory and then 335 00:16:50,040 --> 00:16:53,680 Speaker 3: I bought my second property in twenty twenty three, which 336 00:16:53,720 --> 00:16:56,000 Speaker 3: is an official three family and so I have three 337 00:16:56,040 --> 00:16:56,720 Speaker 3: tenants in there. 338 00:16:57,200 --> 00:16:59,680 Speaker 1: I mean, Newark has been around forever and it's historic 339 00:16:59,680 --> 00:17:02,320 Speaker 1: and but you know, yeah, as an investment offer, it's 340 00:17:02,360 --> 00:17:05,399 Speaker 1: not very many places where women like us, especially a 341 00:17:05,400 --> 00:17:08,040 Speaker 1: single woman, can afford like houses. 342 00:17:07,640 --> 00:17:12,560 Speaker 3: Are expensive, yes, very expensive, and you know, I think 343 00:17:12,720 --> 00:17:16,400 Speaker 3: for me, I lived in Newark. My ex had bought 344 00:17:16,400 --> 00:17:18,440 Speaker 3: his house in Newark, so I was familiar with the 345 00:17:18,840 --> 00:17:21,600 Speaker 3: Newark market. But also I work in the city, so 346 00:17:21,640 --> 00:17:24,960 Speaker 3: I needed someplace where I could easily via transit get 347 00:17:25,359 --> 00:17:28,480 Speaker 3: to work. And my commune is forty five minutes door 348 00:17:28,520 --> 00:17:31,919 Speaker 3: to door and I take the train basically all the way, 349 00:17:32,119 --> 00:17:35,159 Speaker 3: so that was really important for my first property. By 350 00:17:35,160 --> 00:17:36,439 Speaker 3: the time I got to say a property, I had 351 00:17:36,440 --> 00:17:40,159 Speaker 3: a car and everything. So it's actually only five minutes 352 00:17:40,160 --> 00:17:42,679 Speaker 3: from my first property, so they're very close together. And 353 00:17:42,720 --> 00:17:46,200 Speaker 3: also safety, I'm a single woman by myself, so I 354 00:17:46,280 --> 00:17:48,280 Speaker 3: needed to live in a neighborhood that I felt safe 355 00:17:48,440 --> 00:17:49,200 Speaker 3: by myself. 356 00:17:49,680 --> 00:17:51,639 Speaker 2: But also, as you said, the growth opportunity. 357 00:17:51,680 --> 00:17:54,000 Speaker 3: My first property was a five minute walk from a hospital, 358 00:17:54,800 --> 00:17:57,960 Speaker 3: three minute walk from school. Right I can see the 359 00:17:58,040 --> 00:18:02,080 Speaker 3: Highway from my window, like it was in an opportune 360 00:18:02,119 --> 00:18:04,920 Speaker 3: place as a twenty minute walked downtown Newark, you. 361 00:18:04,880 --> 00:18:07,160 Speaker 2: Know, so it was just a good location. 362 00:18:07,960 --> 00:18:11,040 Speaker 3: Attracted renters can be hard, but I didn't have any 363 00:18:11,119 --> 00:18:13,680 Speaker 3: issues with that. It was more about my property value 364 00:18:13,680 --> 00:18:18,160 Speaker 3: own up. So yeah, you know my property value. Being 365 00:18:18,160 --> 00:18:20,320 Speaker 3: next to a train, being next to a school, being 366 00:18:20,320 --> 00:18:23,520 Speaker 3: next to a hospital, being next to the highway, like all. 367 00:18:23,480 --> 00:18:25,320 Speaker 2: Those things increase my property value. 368 00:18:26,359 --> 00:18:29,440 Speaker 3: I think I luckily found a real estate agent who 369 00:18:29,600 --> 00:18:33,560 Speaker 3: was a black, single woman who owned properties in New 370 00:18:33,640 --> 00:18:38,360 Speaker 3: Jersey for decades. So she was all for it. And 371 00:18:38,560 --> 00:18:40,000 Speaker 3: you know, it's still kind of my mentor to this 372 00:18:40,080 --> 00:18:42,960 Speaker 3: day when it comes to real estate investment. Real estate 373 00:18:43,080 --> 00:18:46,359 Speaker 3: is always a good investment. I think the hard part 374 00:18:47,119 --> 00:18:54,399 Speaker 3: was not knowing. Look, I am, I don't like the outside. 375 00:18:53,440 --> 00:19:03,200 Speaker 2: I don't do hard labor, I am. I'm like, I don't. 376 00:19:04,240 --> 00:19:07,679 Speaker 3: So I think the hardest part was really, like you said, 377 00:19:09,200 --> 00:19:11,520 Speaker 3: you know, not knowing where to start, Like, oh I 378 00:19:11,520 --> 00:19:13,800 Speaker 3: need a new fridge, where don't even start? 379 00:19:14,080 --> 00:19:18,080 Speaker 2: Oh I need new floors done? Where do I even start? Like? Oh, 380 00:19:18,160 --> 00:19:21,000 Speaker 2: my age got stolen in my backyard? What do I do? 381 00:19:21,480 --> 00:19:22,800 Speaker 1: I do feel bad for you. But that was a 382 00:19:22,800 --> 00:19:23,520 Speaker 1: funny video. 383 00:19:23,800 --> 00:19:29,040 Speaker 2: It was hilarious. And I've got more stories to well. 384 00:19:29,119 --> 00:19:29,600 Speaker 2: Let me tell you. 385 00:19:29,640 --> 00:19:35,000 Speaker 3: I've had squatters, I've had evictions, I've had stolen. 386 00:19:36,480 --> 00:19:38,360 Speaker 2: Squad is that with other property? It was a lot. 387 00:19:38,440 --> 00:19:42,199 Speaker 3: It a lot, but you know, I think. But I 388 00:19:42,240 --> 00:19:44,120 Speaker 3: always say, if I had known everything that was gonna happen, 389 00:19:44,119 --> 00:19:44,640 Speaker 3: I would. 390 00:19:44,400 --> 00:19:44,880 Speaker 2: Have never bought. 391 00:19:45,720 --> 00:19:48,560 Speaker 1: And I felt children and I'm. 392 00:19:48,440 --> 00:19:50,639 Speaker 3: Just glad that I didn't know. I'm glad that I 393 00:19:50,720 --> 00:19:54,000 Speaker 3: was naive enough. But I will say when I made 394 00:19:54,000 --> 00:19:58,199 Speaker 3: the offer on the house, like a week later, I 395 00:19:58,280 --> 00:19:59,520 Speaker 3: called my real agent just like I. 396 00:19:59,480 --> 00:20:02,200 Speaker 2: Don't want to. I changed my bonds. I was like, please, 397 00:20:02,359 --> 00:20:05,040 Speaker 2: I don't want this house, no more. Please, it's too 398 00:20:05,119 --> 00:20:07,320 Speaker 2: much money. I can't do it. I don't know what 399 00:20:07,400 --> 00:20:09,359 Speaker 2: I was thinking. She was like, you're buying a damn house. 400 00:20:09,480 --> 00:20:10,280 Speaker 2: Get off my phone. 401 00:20:10,320 --> 00:20:13,360 Speaker 1: And I was like, what do you think that was? 402 00:20:13,359 --> 00:20:15,360 Speaker 1: Was that the savor in you like you've been you've 403 00:20:15,359 --> 00:20:17,520 Speaker 1: been squirreling away all less money and then to like 404 00:20:17,640 --> 00:20:20,400 Speaker 1: spend it was that hard for you, or just the nerves. 405 00:20:20,960 --> 00:20:21,920 Speaker 2: It was the nerves. 406 00:20:22,000 --> 00:20:24,680 Speaker 3: It was the nerves of like, you know, I'm doing 407 00:20:24,680 --> 00:20:26,920 Speaker 3: this by myself. I don't know what I'm doing. I'm 408 00:20:26,920 --> 00:20:30,199 Speaker 3: a journalist, not a business person. There was a lot 409 00:20:30,240 --> 00:20:31,640 Speaker 3: of work that need to be done on the house. 410 00:20:31,680 --> 00:20:32,480 Speaker 3: I was like, I don't know what. 411 00:20:32,440 --> 00:20:34,359 Speaker 2: I'm signing up for. It was just fear. 412 00:20:34,560 --> 00:20:36,120 Speaker 3: And even with this new house, I had the same 413 00:20:36,119 --> 00:20:37,320 Speaker 3: thing where I call her and I was like, yeah, 414 00:20:37,359 --> 00:20:38,240 Speaker 3: how can we back out of this? 415 00:20:38,760 --> 00:20:41,280 Speaker 2: And she was like nope, nope, nope, nope, that's not 416 00:20:41,280 --> 00:20:41,879 Speaker 2: how it works. 417 00:20:41,960 --> 00:20:44,560 Speaker 3: So I just get the kind of cold feet whenever 418 00:20:44,600 --> 00:20:46,159 Speaker 3: I make a big purchase like that, you know, And 419 00:20:46,200 --> 00:20:49,240 Speaker 3: it has been hard, No, Lie, it's been so hard. 420 00:20:49,400 --> 00:20:51,119 Speaker 2: I've learned so many lessons. 421 00:20:51,640 --> 00:20:54,639 Speaker 3: It's hard to do it by yourself, just because like 422 00:20:54,880 --> 00:20:58,199 Speaker 3: I have another full time job, so that takes a 423 00:20:58,200 --> 00:21:00,280 Speaker 3: lot of my time. And so if my ten to 424 00:21:00,280 --> 00:21:02,720 Speaker 3: call me today and be like my toilet's broken, I'm 425 00:21:02,720 --> 00:21:05,560 Speaker 3: doing all that. So I have to work on that 426 00:21:05,720 --> 00:21:08,000 Speaker 3: five years later. Luckily, I have a great team of 427 00:21:08,040 --> 00:21:08,840 Speaker 3: people who help me. 428 00:21:09,000 --> 00:21:12,000 Speaker 1: Who's supporting you? What's on the team If you could 429 00:21:12,040 --> 00:21:14,880 Speaker 1: go back or tell someone who's maybe thinking about as 430 00:21:14,880 --> 00:21:17,840 Speaker 1: a single woman purchasing, who's got to be on that team? 431 00:21:17,960 --> 00:21:20,119 Speaker 3: Okay, So the team that you need is you do 432 00:21:20,200 --> 00:21:22,080 Speaker 3: need a great real estate agent. And if you decide 433 00:21:22,119 --> 00:21:24,320 Speaker 3: to go with an investment, you need someone who's done investments. 434 00:21:24,920 --> 00:21:28,360 Speaker 3: Don't get someone who's just a regular real estate agent, 435 00:21:28,400 --> 00:21:30,840 Speaker 3: because you look at a investment property completely different than 436 00:21:30,840 --> 00:21:32,960 Speaker 3: you look at a regular property. You know, I'm not 437 00:21:33,080 --> 00:21:38,480 Speaker 3: looking at like, ooh, you know it's got marble countertops. 438 00:21:38,880 --> 00:21:41,439 Speaker 2: No, no, no no, like tenants can ruin that. 439 00:21:41,480 --> 00:21:44,159 Speaker 3: I need countertops that are gonna last for decades, you know, 440 00:21:45,119 --> 00:21:47,239 Speaker 3: not white. Yes, so you definitely need a great real 441 00:21:47,320 --> 00:21:50,119 Speaker 3: estate agent that knows investment properties and knows what to 442 00:21:50,119 --> 00:21:53,919 Speaker 3: look for in an investment property. And also, my agent 443 00:21:54,040 --> 00:21:55,800 Speaker 3: has been kind of a resource as I've tried to 444 00:21:55,800 --> 00:21:57,719 Speaker 3: build my other parts of my team. You know, I 445 00:21:57,760 --> 00:21:59,399 Speaker 3: call her when I'm like, I need someone to do 446 00:21:59,440 --> 00:22:02,919 Speaker 3: this exactly thing. She knows exactly who to call and 447 00:22:02,920 --> 00:22:05,359 Speaker 3: has a team of her own. You definitely need a 448 00:22:05,400 --> 00:22:09,080 Speaker 3: general contractor type person. You know, someone who is connected 449 00:22:09,119 --> 00:22:13,479 Speaker 3: to other people. You know, someone who knows welder, who 450 00:22:13,560 --> 00:22:18,520 Speaker 3: can do gates, someone who knows a plumber. You definitely 451 00:22:18,600 --> 00:22:22,399 Speaker 3: the plumber. Plumber of your own is very important. HVAC 452 00:22:22,440 --> 00:22:25,440 Speaker 3: person of your own is very important. Security system guy. 453 00:22:26,200 --> 00:22:28,919 Speaker 3: That's the first thing they you move in gets curious 454 00:22:28,920 --> 00:22:31,480 Speaker 3: sysm as all. 455 00:22:30,880 --> 00:22:33,280 Speaker 1: That was in the video. You're like for insurance purposes 456 00:22:33,359 --> 00:22:36,080 Speaker 1: because they want footage to prove that something happened. 457 00:22:36,280 --> 00:22:39,120 Speaker 3: Well, I mean, if something is stolen, you don't need it, 458 00:22:39,359 --> 00:22:42,119 Speaker 3: but it just helps a lot to be able to 459 00:22:42,160 --> 00:22:46,199 Speaker 3: follow the police report and say you've got footage, and 460 00:22:46,240 --> 00:22:49,439 Speaker 3: it also prevents theft if you have them up and 461 00:22:49,520 --> 00:22:52,439 Speaker 3: also have all the signs up that say that you 462 00:22:52,480 --> 00:22:56,239 Speaker 3: have it up. So you need a good accountant if 463 00:22:56,280 --> 00:22:58,880 Speaker 3: you're going to get investment properties, because there's a lot 464 00:22:58,880 --> 00:23:01,720 Speaker 3: of tax benefits having investment properties. 465 00:23:02,240 --> 00:23:03,720 Speaker 2: That you will want to take advantage of. 466 00:23:03,880 --> 00:23:08,640 Speaker 3: So I think those are things that I I think 467 00:23:08,640 --> 00:23:12,359 Speaker 3: I call my plumber most often. You know, I was 468 00:23:12,359 --> 00:23:14,040 Speaker 3: saying to call my HVAC person going on with that 469 00:23:15,600 --> 00:23:20,760 Speaker 3: child love you know or what no ecceptic tanks, thank god. 470 00:23:21,320 --> 00:23:25,080 Speaker 2: But you know, just like little things HVAC problems. 471 00:23:24,600 --> 00:23:27,560 Speaker 3: And all of that is uh, plumber is kind of 472 00:23:27,600 --> 00:23:30,000 Speaker 3: like the most water. Also, water is the worst thing, 473 00:23:30,440 --> 00:23:33,560 Speaker 3: Like you never want water problems at your house. So 474 00:23:33,760 --> 00:23:36,560 Speaker 3: usually like any type of drip leak, whatever I'm calling 475 00:23:36,560 --> 00:23:39,120 Speaker 3: a plumber, I'm like, okay, plumber's coming, because I don't 476 00:23:39,119 --> 00:23:41,040 Speaker 3: want a small problem to turn to a big problem, 477 00:23:41,080 --> 00:23:42,080 Speaker 3: which can be very costly. 478 00:23:42,720 --> 00:23:45,399 Speaker 1: Uh yeah, And now have you developed like a network 479 00:23:45,440 --> 00:23:47,520 Speaker 1: of other people who have properties that you can also 480 00:23:47,600 --> 00:23:50,040 Speaker 1: ask questions of. You mentioned agent. 481 00:23:50,760 --> 00:23:52,800 Speaker 2: That's I do have my agent, but that's. 482 00:23:52,600 --> 00:23:55,879 Speaker 3: Something that I wish I had more people of. I 483 00:23:55,880 --> 00:23:58,200 Speaker 3: do know other people, you know, other black women who 484 00:23:58,240 --> 00:24:02,439 Speaker 3: own properties in the area. Yeah, but you know, like 485 00:24:02,480 --> 00:24:03,200 Speaker 3: I said, I have. 486 00:24:04,000 --> 00:24:05,639 Speaker 1: The investor type, like the ones. 487 00:24:06,440 --> 00:24:09,359 Speaker 3: Yes, right, I have a lot of jobs, and so 488 00:24:10,040 --> 00:24:11,520 Speaker 3: it can be kind of tough to. 489 00:24:11,480 --> 00:24:14,880 Speaker 2: Balance everything and also build community at the same time. 490 00:24:15,720 --> 00:24:19,080 Speaker 1: Girl, I know, but it's so essential. I can't stop 491 00:24:19,320 --> 00:24:22,240 Speaker 1: blabbing about community. I'm gonna after this, I'll connect you 492 00:24:22,280 --> 00:24:24,040 Speaker 1: with I know you got a lot of time, but 493 00:24:24,080 --> 00:24:26,159 Speaker 1: just so I can, just so I know I did it. 494 00:24:27,000 --> 00:24:30,080 Speaker 1: I have a friend Angie in New Jersey and around Newark, 495 00:24:30,119 --> 00:24:32,159 Speaker 1: I don't know where exactly, and she's part of a 496 00:24:32,200 --> 00:24:34,120 Speaker 1: real estate investment community. 497 00:24:33,760 --> 00:24:36,520 Speaker 2: And oh I would love that. Yeah area, that would 498 00:24:36,560 --> 00:24:36,960 Speaker 2: be great. 499 00:24:37,240 --> 00:24:40,199 Speaker 3: I'd be great because I'm looking for some people to 500 00:24:40,280 --> 00:24:44,320 Speaker 3: talk to and also just people I can share experiences 501 00:24:44,320 --> 00:24:47,040 Speaker 3: with because they don't tell you all these things. They 502 00:24:47,080 --> 00:24:49,240 Speaker 3: don't tell you about squatters, they don't tell you about evictions, 503 00:24:49,240 --> 00:24:50,560 Speaker 3: they don't tell you how to get tenants. 504 00:24:50,800 --> 00:24:53,879 Speaker 1: They don't tell you that tenants stop paying her in December, 505 00:24:54,560 --> 00:24:57,200 Speaker 1: like just didn't pay. And she's like, I'm just a woman. 506 00:24:57,240 --> 00:24:58,600 Speaker 1: How am I going to kick these people out? 507 00:24:58,640 --> 00:25:01,879 Speaker 2: Like it's a lot I did that last year. She 508 00:25:01,960 --> 00:25:03,760 Speaker 2: can call me, I know exactly what she needs to do. 509 00:25:05,080 --> 00:25:07,440 Speaker 1: There we go, because you know what, you have space 510 00:25:07,480 --> 00:25:09,879 Speaker 1: for the community that you need, right like the people 511 00:25:09,920 --> 00:25:12,320 Speaker 1: that you like. So for me, it's like with my children, 512 00:25:12,400 --> 00:25:14,080 Speaker 1: like someone who I know can pick up my son 513 00:25:14,080 --> 00:25:17,320 Speaker 1: if I'm like running late or whatever. Then that becomes like, oh, 514 00:25:17,320 --> 00:25:19,720 Speaker 1: that's the community I need. It's like your support and 515 00:25:19,760 --> 00:25:22,240 Speaker 1: people don't want anything from you other than to be 516 00:25:22,280 --> 00:25:23,720 Speaker 1: there when you need them, you know what I mean? 517 00:25:24,960 --> 00:25:28,760 Speaker 1: Love that? Okay? All right, So you're on your fire journey. 518 00:25:29,080 --> 00:25:31,360 Speaker 1: You're also really passionate. I know you've mentioned this being 519 00:25:31,359 --> 00:25:34,280 Speaker 1: a single woman on this journey for yourself and that 520 00:25:34,600 --> 00:25:38,320 Speaker 1: you feel often in you know, there's so many ways 521 00:25:38,320 --> 00:25:42,160 Speaker 1: that traditional personal finance platforms and spaces leave us out, 522 00:25:42,200 --> 00:25:44,119 Speaker 1: but especially with single women. So can you tell me 523 00:25:44,160 --> 00:25:45,280 Speaker 1: about your point of view there. 524 00:25:46,480 --> 00:25:48,440 Speaker 2: I really didn't think much about it until I bought 525 00:25:48,480 --> 00:25:50,440 Speaker 2: the houses. Until I was. 526 00:25:50,480 --> 00:25:55,159 Speaker 3: Trying to like navigate this world of contractors and professionals, 527 00:25:55,160 --> 00:25:57,480 Speaker 3: which is a lot of men, and they see me 528 00:25:57,520 --> 00:26:00,800 Speaker 3: by myself and they just automatically like try to raise 529 00:26:00,840 --> 00:26:05,199 Speaker 3: the price. They treat me a little differently, and so 530 00:26:06,680 --> 00:26:09,480 Speaker 3: I really sometimes, you know, And I've also been in 531 00:26:09,480 --> 00:26:12,320 Speaker 3: situations with tenants where I've been like, oh, like she said, 532 00:26:12,359 --> 00:26:13,200 Speaker 3: I'm a single. 533 00:26:12,960 --> 00:26:17,200 Speaker 2: Woman, Like what do I do? You know, you call 534 00:26:17,200 --> 00:26:18,280 Speaker 2: the police. That's what you do. 535 00:26:18,640 --> 00:26:20,480 Speaker 3: And you call the police and have them escort you, 536 00:26:20,520 --> 00:26:21,359 Speaker 3: which is also what. 537 00:26:21,280 --> 00:26:24,960 Speaker 2: I've done, you know. But it's so it could be 538 00:26:25,080 --> 00:26:25,600 Speaker 2: very tough. 539 00:26:27,040 --> 00:26:29,760 Speaker 3: And also, let's be honest, as women, we don't make 540 00:26:29,800 --> 00:26:33,320 Speaker 3: as much as men, so therefore we have less income to. 541 00:26:33,400 --> 00:26:35,440 Speaker 2: Do these kind of big swings. 542 00:26:36,000 --> 00:26:38,520 Speaker 3: And so I've been very fortunate that I've been smart 543 00:26:38,520 --> 00:26:42,200 Speaker 3: about investing, which has helped me have some of a room. 544 00:26:42,400 --> 00:26:45,040 Speaker 2: I've had a great career, which has also helped me. 545 00:26:45,280 --> 00:26:49,800 Speaker 1: Kind of insurance, Yes, my husband carries the insurance for me, 546 00:26:49,840 --> 00:26:52,199 Speaker 1: and if I didn't have him, I would be in 547 00:26:52,280 --> 00:26:57,760 Speaker 1: a much more vulnerable space. Yes, it's such a huge privilege. 548 00:26:58,680 --> 00:27:03,600 Speaker 3: There's so many things that you know, I feel we 549 00:27:03,720 --> 00:27:05,640 Speaker 3: rely on, you know. 550 00:27:05,680 --> 00:27:06,440 Speaker 2: Our fathers. 551 00:27:06,640 --> 00:27:09,479 Speaker 3: I'm thousands of miles away from my father who's in Georgia, 552 00:27:09,960 --> 00:27:12,160 Speaker 3: So like you know, there's things that I would rely 553 00:27:12,240 --> 00:27:13,439 Speaker 3: on the men in my life to do, but I 554 00:27:13,440 --> 00:27:14,320 Speaker 3: have to do them myself. 555 00:27:15,600 --> 00:27:18,200 Speaker 2: And so kind of. 556 00:27:19,680 --> 00:27:21,600 Speaker 3: Figuring out how I'm going to live the life that 557 00:27:21,640 --> 00:27:26,399 Speaker 3: I want to live solo without another person's income to 558 00:27:26,520 --> 00:27:31,680 Speaker 3: help me has been fun for me in particular, but. 559 00:27:32,160 --> 00:27:33,760 Speaker 2: It's also means I travel alone. 560 00:27:34,480 --> 00:27:41,520 Speaker 3: I go to fancy dinners alone. My house is alone, 561 00:27:41,720 --> 00:27:46,840 Speaker 3: no split seas. I do everything by myself, and it 562 00:27:46,920 --> 00:27:49,199 Speaker 3: takes a certain amount of a type of planning to 563 00:27:49,240 --> 00:27:51,640 Speaker 3: do that. I'm also planning for my end of life 564 00:27:51,880 --> 00:27:53,920 Speaker 3: alone right right now, I'm in a position of where 565 00:27:53,920 --> 00:27:56,840 Speaker 3: I'm a state planning, and that's like a whole thing 566 00:27:57,080 --> 00:27:59,639 Speaker 3: because I don't have kids and I'm not particularly planning 567 00:27:59,680 --> 00:28:02,560 Speaker 3: I have. So what does that mean for all this 568 00:28:02,640 --> 00:28:04,840 Speaker 3: wealth that I've built in my life? Where does it go? 569 00:28:05,000 --> 00:28:07,920 Speaker 3: Who does it go to? How is it divided? Is 570 00:28:08,040 --> 00:28:08,840 Speaker 3: go into? 571 00:28:09,040 --> 00:28:09,159 Speaker 2: You know? 572 00:28:09,320 --> 00:28:11,400 Speaker 3: Is it donated? These are the things that I think 573 00:28:11,400 --> 00:28:16,040 Speaker 3: a lot of single women don't think about. But I've 574 00:28:16,040 --> 00:28:17,879 Speaker 3: been very proud of the life I've been able to build. 575 00:28:18,080 --> 00:28:20,920 Speaker 2: You know, I. 576 00:28:19,880 --> 00:28:22,919 Speaker 3: Luckily really enjoy my own company and any place I 577 00:28:22,920 --> 00:28:24,400 Speaker 3: want to go, anything I want to do, I'm able 578 00:28:24,400 --> 00:28:27,760 Speaker 3: to do it by myself. And I think more than anything, 579 00:28:28,640 --> 00:28:31,280 Speaker 3: I want women to know that. 580 00:28:31,359 --> 00:28:32,800 Speaker 2: I want women to know that. 581 00:28:33,040 --> 00:28:37,080 Speaker 3: You know, in the digital kind of discourse right now, 582 00:28:37,200 --> 00:28:38,440 Speaker 3: we hear a lot about, oh, I want to get 583 00:28:38,440 --> 00:28:40,760 Speaker 3: flown out, I want to get I want to find 584 00:28:40,840 --> 00:28:43,560 Speaker 3: a rich man to help me pay for X y Z, 585 00:28:44,240 --> 00:28:45,280 Speaker 3: and I love that share. 586 00:28:45,080 --> 00:28:47,200 Speaker 2: Quote be the rich man. I was able to do 587 00:28:47,280 --> 00:28:48,200 Speaker 2: everything I wanted to do. 588 00:28:48,280 --> 00:28:50,560 Speaker 3: And yes, I worked hard in order to like make 589 00:28:50,680 --> 00:28:53,120 Speaker 3: enough money and you know, have the funds to do that. 590 00:28:53,160 --> 00:28:54,800 Speaker 3: But I just think it's so important that we start 591 00:28:54,840 --> 00:28:56,880 Speaker 3: to have those discussions about how you can build the 592 00:28:56,920 --> 00:28:58,160 Speaker 3: life that you want by yourself. 593 00:28:59,000 --> 00:29:01,239 Speaker 1: Yeah, you worked hard, but you also made choices in 594 00:29:01,280 --> 00:29:04,240 Speaker 1: your younger years like twenties and early thirties. It sounds 595 00:29:04,320 --> 00:29:06,000 Speaker 1: like that made you have that you would have had 596 00:29:06,040 --> 00:29:08,040 Speaker 1: to work so much harder if you were just starting now, 597 00:29:08,680 --> 00:29:11,160 Speaker 1: you know, And like I always, I often think back 598 00:29:11,200 --> 00:29:12,880 Speaker 1: to my twenty two year old self. But I'm like, girl, 599 00:29:13,040 --> 00:29:16,600 Speaker 1: thank you, Yes, you were setting us up for success here. 600 00:29:17,080 --> 00:29:19,200 Speaker 2: Right, thank you for getting that, for putting money in 601 00:29:19,240 --> 00:29:20,880 Speaker 2: that forrow. Okay, even you didn't know what it was. 602 00:29:21,040 --> 00:29:23,120 Speaker 3: Even if I didn't know what it was, I was like, 603 00:29:23,240 --> 00:29:24,840 Speaker 3: Daddy said I should do it, so I guess I 604 00:29:24,880 --> 00:29:25,600 Speaker 3: will look. 605 00:29:25,520 --> 00:29:29,680 Speaker 1: At looking at that checkbox like I just feel that 606 00:29:29,720 --> 00:29:32,479 Speaker 1: on so many levels for you. Now, you know, one 607 00:29:32,480 --> 00:29:34,480 Speaker 1: of the things that I've been grappling with is ever 608 00:29:34,560 --> 00:29:37,600 Speaker 1: since and this is a huge con I think of 609 00:29:37,600 --> 00:29:40,680 Speaker 1: getting married and having kids is man like, do you 610 00:29:40,720 --> 00:29:42,440 Speaker 1: talk about you lose your sons of self? But I 611 00:29:42,480 --> 00:29:46,480 Speaker 1: did not anticipate how much I would lose my values 612 00:29:46,520 --> 00:29:49,560 Speaker 1: in terms of like my the way that I spend money. 613 00:29:49,960 --> 00:29:51,760 Speaker 1: It's been really hard to hold on to that. I 614 00:29:51,840 --> 00:29:54,560 Speaker 1: was just like you in my twenties and early thirties 615 00:29:54,600 --> 00:29:58,239 Speaker 1: where I was lifestyle inflation was my biggest enemy, and 616 00:29:58,280 --> 00:30:00,800 Speaker 1: I would I kept my living expenses very low. I 617 00:30:00,840 --> 00:30:02,400 Speaker 1: was like, they need to be less than thirty percent 618 00:30:02,400 --> 00:30:05,080 Speaker 1: of our income. And even as people were like move 619 00:30:05,120 --> 00:30:07,560 Speaker 1: into a bigger apartment, get closer to the train, you 620 00:30:07,600 --> 00:30:09,320 Speaker 1: know that kind of thing, we bought this house and 621 00:30:09,320 --> 00:30:11,800 Speaker 1: it's like tiny and cute because I didn't want to 622 00:30:11,840 --> 00:30:15,720 Speaker 1: be overextended in terms of like my my housing payments 623 00:30:15,760 --> 00:30:19,040 Speaker 1: and things like that. And but you know what, five years, 624 00:30:19,040 --> 00:30:22,520 Speaker 1: six years later, it's like, oh, I'm not where I 625 00:30:22,560 --> 00:30:26,680 Speaker 1: want to be. And it's because I'm spending on you know, 626 00:30:27,000 --> 00:30:29,320 Speaker 1: I'm spending on the things that just become easier to 627 00:30:29,360 --> 00:30:31,479 Speaker 1: spend on because you live in the verbs with a family, 628 00:30:31,560 --> 00:30:34,560 Speaker 1: Like we had two cars, now ew don't want those, 629 00:30:35,440 --> 00:30:39,080 Speaker 1: don't need two car payments? Like what yeah, yeah, And 630 00:30:39,120 --> 00:30:41,920 Speaker 1: it's just I'm glad that I'm having this sort of 631 00:30:41,920 --> 00:30:45,680 Speaker 1: epiphany now. But for you, I'm wondering, you know, I'm 632 00:30:45,720 --> 00:30:50,080 Speaker 1: thinking about you and that duplex in Newark and also 633 00:30:50,200 --> 00:30:52,560 Speaker 1: my vision of what a magazine editor in chief in 634 00:30:52,560 --> 00:30:54,280 Speaker 1: New York City should be living. And don't you have 635 00:30:54,320 --> 00:30:58,000 Speaker 1: Carrie Bradshaw's apartment, Like do other people put that expectation 636 00:30:58,080 --> 00:30:59,560 Speaker 1: on you? Like you live still? Why don't you live 637 00:30:59,560 --> 00:31:00,440 Speaker 1: in Chelsea? 638 00:31:00,920 --> 00:31:04,200 Speaker 3: You know, you know outside I always say I'm probably 639 00:31:04,200 --> 00:31:05,720 Speaker 3: the only editor in chief who lives. 640 00:31:05,600 --> 00:31:06,200 Speaker 2: In a basement. 641 00:31:07,640 --> 00:31:09,440 Speaker 3: And technically it's not underground, but it's still kind of 642 00:31:09,440 --> 00:31:12,800 Speaker 3: like a basement, so you know, and I do that 643 00:31:13,000 --> 00:31:17,520 Speaker 3: because I and you know, I am starting to itch 644 00:31:17,600 --> 00:31:20,280 Speaker 3: for that like house of my own where I get 645 00:31:20,280 --> 00:31:24,040 Speaker 3: to choose every surface and every you know, like the 646 00:31:24,120 --> 00:31:28,560 Speaker 3: fancy countertops. But I do think that I have a 647 00:31:28,600 --> 00:31:32,719 Speaker 3: greater vision and purpose for my life. And you know, 648 00:31:32,760 --> 00:31:35,320 Speaker 3: we all know what retirement looks like from most people 649 00:31:35,320 --> 00:31:39,120 Speaker 3: in America, and it is not funded by the government 650 00:31:39,760 --> 00:31:44,000 Speaker 3: spoiler alert, you know. So I think when I go 651 00:31:44,120 --> 00:31:46,200 Speaker 3: home every night, I have enough room for me. 652 00:31:47,040 --> 00:31:50,680 Speaker 2: And yeah, living in that place. 653 00:31:50,400 --> 00:31:53,960 Speaker 3: Where I don't pay rent means that, you know, if 654 00:31:54,000 --> 00:31:57,120 Speaker 3: something terrible happens and I get laid off one day, 655 00:31:57,160 --> 00:31:58,560 Speaker 3: similar or your story. 656 00:31:58,360 --> 00:31:59,920 Speaker 2: I'm prepared, financially prepared for that. 657 00:32:01,920 --> 00:32:04,560 Speaker 3: I if I'm ready to you know, something happens to 658 00:32:04,600 --> 00:32:07,040 Speaker 3: me and I hurt myself, I'm financially prepared for that. 659 00:32:08,040 --> 00:32:08,480 Speaker 2: I can. 660 00:32:08,720 --> 00:32:10,720 Speaker 3: And when I retire, I'm going to have money to 661 00:32:10,720 --> 00:32:14,080 Speaker 3: maintain the lifestyle that I currently have. And so I 662 00:32:14,120 --> 00:32:17,600 Speaker 3: think those are all things that are more important to 663 00:32:17,640 --> 00:32:20,640 Speaker 3: me than living in a house fancy house in Chelsea. 664 00:32:20,720 --> 00:32:23,160 Speaker 3: I drive a Kiya, So it's not like I have 665 00:32:23,200 --> 00:32:27,400 Speaker 3: a Mercedes Benz or Alexis. Nope, I d I drive 666 00:32:27,400 --> 00:32:29,200 Speaker 3: a Kia Soul that did get stolen. 667 00:32:33,400 --> 00:32:38,080 Speaker 1: And you got it back and I got it back, but. 668 00:32:38,040 --> 00:32:39,920 Speaker 2: I sure do put the lock on her every night. 669 00:32:41,040 --> 00:32:43,120 Speaker 1: See now, but look at this, you guys. Are you 670 00:32:43,160 --> 00:32:46,320 Speaker 1: listening because look at Jessica in her basement apartment and 671 00:32:46,320 --> 00:32:52,000 Speaker 1: her like her jail, her jail bird HVAC system, and 672 00:32:52,280 --> 00:32:54,560 Speaker 1: you're so happy and like you're really like you're in 673 00:32:54,560 --> 00:32:57,720 Speaker 1: tune with your future self, and me, I'm like, I'm not. 674 00:32:57,880 --> 00:33:01,000 Speaker 1: I want to be there again. I'm really grateful to 675 00:33:01,040 --> 00:33:03,160 Speaker 1: be talking to you now, and also talking to a 676 00:33:03,240 --> 00:33:06,120 Speaker 1: guest I have yan Ellie who literally was like, who 677 00:33:06,200 --> 00:33:08,480 Speaker 1: is that Mandy? I don't know her? Like where is 678 00:33:08,520 --> 00:33:11,120 Speaker 1: the old? And I don't either, And I'm excited to 679 00:33:11,120 --> 00:33:14,080 Speaker 1: get back to I had lost. I had lost that 680 00:33:14,320 --> 00:33:16,400 Speaker 1: ability to kind of see into the future of what 681 00:33:16,440 --> 00:33:17,520 Speaker 1: my actual goal is. 682 00:33:18,440 --> 00:33:20,680 Speaker 3: I think that is so important because you know, for me, 683 00:33:22,280 --> 00:33:24,480 Speaker 3: I think I'm so frugal and I'm such a savor 684 00:33:24,800 --> 00:33:27,280 Speaker 3: that like you know, you don't you want to know 685 00:33:27,280 --> 00:33:28,040 Speaker 3: how much money. 686 00:33:27,880 --> 00:33:28,280 Speaker 1: I live on. 687 00:33:28,680 --> 00:33:32,760 Speaker 3: You know, it's like I live on you the smallest 688 00:33:32,800 --> 00:33:38,280 Speaker 3: amount of my salary, and you know, like the way 689 00:33:38,360 --> 00:33:40,640 Speaker 3: I do my money is that everybody else is paid 690 00:33:40,680 --> 00:33:43,880 Speaker 3: before me, So my investments get paid before me, My 691 00:33:43,960 --> 00:33:46,760 Speaker 3: savings get paid before me, and I get like the 692 00:33:46,800 --> 00:33:50,000 Speaker 3: sliver that's left over. I recently had to push myself 693 00:33:50,040 --> 00:33:53,480 Speaker 3: to spend more right, and I did it because it 694 00:33:53,600 --> 00:33:54,160 Speaker 3: was playing with. 695 00:33:54,120 --> 00:33:54,840 Speaker 2: My mental health. 696 00:33:56,880 --> 00:34:00,680 Speaker 3: I have a busy job, and I would come home 697 00:34:00,720 --> 00:34:04,920 Speaker 3: to a house that was dirty, okay, clothes everywhere, dirty, 698 00:34:04,920 --> 00:34:08,720 Speaker 3: dishes everywhere, and I would say to myself, this weekend, 699 00:34:08,760 --> 00:34:10,440 Speaker 3: I'm going to clean up. I'm not gonna go anywhere, 700 00:34:10,440 --> 00:34:12,680 Speaker 3: I'm not gonna get any plans because I'm. 701 00:34:12,440 --> 00:34:13,720 Speaker 2: Going to clean up this weekend. 702 00:34:15,000 --> 00:34:16,680 Speaker 3: And then I would be so tired that I would 703 00:34:16,760 --> 00:34:20,200 Speaker 3: lay there in the bed, move the clean clothes over, 704 00:34:20,800 --> 00:34:23,000 Speaker 3: sleep on the other half of the full size bed. 705 00:34:23,880 --> 00:34:24,880 Speaker 2: And then I feel guilty. 706 00:34:26,239 --> 00:34:27,799 Speaker 3: And then the next week I would come home at 707 00:34:27,840 --> 00:34:30,920 Speaker 3: eight pm and my house clean, My kitchen's too dirty 708 00:34:30,920 --> 00:34:35,040 Speaker 3: to cook, I had ordered bad food, and I feel 709 00:34:35,360 --> 00:34:40,720 Speaker 3: just bad right until eventually my therapist and my dad 710 00:34:40,840 --> 00:34:43,040 Speaker 3: and my mom everybody's like, you need a house cleaner. 711 00:34:44,560 --> 00:34:45,879 Speaker 3: You need to pay for someone to come and clean 712 00:34:45,920 --> 00:34:49,799 Speaker 3: your house. Yes, And I had to get over that 713 00:34:50,680 --> 00:34:53,759 Speaker 3: Southern girl guilt of I know how to clean a 714 00:34:53,800 --> 00:34:56,440 Speaker 3: house now, honey, you know my Mama taught me. 715 00:34:56,360 --> 00:34:57,200 Speaker 2: How to clean the house. 716 00:34:58,160 --> 00:34:59,480 Speaker 3: I don't need to pay someone to clean a house 717 00:34:59,480 --> 00:35:03,160 Speaker 3: because I know how to do it right. But now 718 00:35:03,360 --> 00:35:05,439 Speaker 3: Miss Aileen, who's the person who comes and cleans my house. 719 00:35:05,600 --> 00:35:08,080 Speaker 3: She comes every week. And you know, I have a 720 00:35:08,080 --> 00:35:12,960 Speaker 3: one bedroom. It's not big, but it has made my 721 00:35:13,080 --> 00:35:17,200 Speaker 3: life so much better. And so something I think about, 722 00:35:17,440 --> 00:35:20,239 Speaker 3: you know, in that in between of lifestyle creep, which 723 00:35:20,280 --> 00:35:22,640 Speaker 3: you know, anyone who's into finance is really trying to avoid. 724 00:35:23,520 --> 00:35:26,480 Speaker 3: It's that place of but what is worth my money 725 00:35:26,520 --> 00:35:30,759 Speaker 3: that's going to help me overall be more efficient and 726 00:35:30,880 --> 00:35:32,239 Speaker 3: more you. 727 00:35:32,160 --> 00:35:34,720 Speaker 2: Know, live happily. You know, I go to a gym. 728 00:35:34,800 --> 00:35:38,120 Speaker 2: I pay for that. I have a nutritionist, I pay 729 00:35:38,160 --> 00:35:40,800 Speaker 2: for that. You know, sometimes I do meal plans. 730 00:35:41,200 --> 00:35:44,600 Speaker 3: These things are expensive, but they allow me to show 731 00:35:44,680 --> 00:35:47,520 Speaker 3: up to both of my jobs, both landlord and editor 732 00:35:47,560 --> 00:35:49,520 Speaker 3: in chief, sane. 733 00:35:51,080 --> 00:35:51,680 Speaker 2: And healthy. 734 00:35:52,120 --> 00:35:53,640 Speaker 3: And so those are the things that I have to 735 00:35:53,760 --> 00:35:55,759 Speaker 3: learn how to spend money on. 736 00:35:55,880 --> 00:35:56,080 Speaker 2: You know. 737 00:35:56,160 --> 00:35:58,719 Speaker 3: Now I'm getting massages once, you know, twice a month, 738 00:35:58,800 --> 00:36:02,719 Speaker 3: and that's like things that I had to fight myself over. 739 00:36:04,120 --> 00:36:07,000 Speaker 2: But those are the only lifestyle things that I allow. 740 00:36:08,000 --> 00:36:10,640 Speaker 1: And they may change as you grow and evolve and 741 00:36:10,760 --> 00:36:14,120 Speaker 1: you know, like, but the important part is the way 742 00:36:14,160 --> 00:36:16,239 Speaker 1: that we are investing in ourselves so that we can 743 00:36:16,280 --> 00:36:20,239 Speaker 1: go into the world like emotionally regulated, like in a 744 00:36:20,320 --> 00:36:23,440 Speaker 1: happy foundation. Because when you're not sleeping well because you're 745 00:36:23,440 --> 00:36:25,799 Speaker 1: anxious about how messy things are, you're not eating well 746 00:36:25,800 --> 00:36:27,759 Speaker 1: because you know you're coming home and you don't feel 747 00:36:27,760 --> 00:36:30,399 Speaker 1: like cooking, and you're not taking care of yourself, then 748 00:36:30,719 --> 00:36:32,360 Speaker 1: how are you supposed to show up and be this 749 00:36:32,440 --> 00:36:34,200 Speaker 1: bad ass that we know you are? You know what 750 00:36:34,280 --> 00:36:37,120 Speaker 1: I mean, I'm I'm just happy to hear that you 751 00:36:37,200 --> 00:36:40,560 Speaker 1: were You're changing that story for yourself, and I mean 752 00:36:40,560 --> 00:36:42,839 Speaker 1: you even got those little the jaw injections I saw 753 00:36:42,880 --> 00:36:43,360 Speaker 1: on Insta. 754 00:36:43,480 --> 00:36:47,440 Speaker 2: You're doing your yeah massive botox, yeah ja Yeah. 755 00:36:47,560 --> 00:36:49,680 Speaker 1: I'm a big tent about any beauty tips while you 756 00:36:49,719 --> 00:36:53,160 Speaker 1: were here, but that's fine. It was just such a 757 00:36:53,160 --> 00:36:56,840 Speaker 1: pleasure getting to know you, and it really feels like 758 00:36:56,840 --> 00:36:59,919 Speaker 1: we're kindred spirits, like just two sides of the same coin, 759 00:37:00,000 --> 00:37:03,960 Speaker 1: and so it's been really great to meet you and everyone. 760 00:37:04,040 --> 00:37:07,279 Speaker 1: You can find Jessica. She's at j Crule right on 761 00:37:07,480 --> 00:37:12,480 Speaker 1: ig check out a Lower dot com and self Magazine 762 00:37:12,520 --> 00:37:15,600 Speaker 1: dot com and what else how do you want BA 763 00:37:15,680 --> 00:37:18,400 Speaker 1: fan to reach out and support No. 764 00:37:18,520 --> 00:37:21,760 Speaker 2: I think look find me on Instagram, ask any questions 765 00:37:21,800 --> 00:37:27,239 Speaker 2: that you have about, you know, home ownership. It's been 766 00:37:27,239 --> 00:37:27,880 Speaker 2: an adventure. 767 00:37:28,920 --> 00:37:31,080 Speaker 3: I got a couple more homes than me, so I'll 768 00:37:31,080 --> 00:37:33,640 Speaker 3: be buying a few more homes over the next few years. 769 00:37:34,760 --> 00:37:35,879 Speaker 2: But it's been so. 770 00:37:35,920 --> 00:37:39,120 Speaker 3: Rewarding for me, and I hope that if I could 771 00:37:39,120 --> 00:37:42,400 Speaker 3: just teach one person how to you know, make money 772 00:37:42,440 --> 00:37:43,640 Speaker 3: off of houses. 773 00:37:43,280 --> 00:37:46,640 Speaker 1: Then I'm happy, incredible. All right, Well, I think the 774 00:37:47,040 --> 00:37:49,560 Speaker 1: key takeaway for me is that team that you sort 775 00:37:49,600 --> 00:37:53,040 Speaker 1: of laid out for everybody, so the agent, the contractor, 776 00:37:53,040 --> 00:37:56,520 Speaker 1: the accountant. I think that's just like essential information the 777 00:37:56,560 --> 00:37:58,959 Speaker 1: security system. So thank you for sharing that with BA 778 00:37:59,040 --> 00:38:02,200 Speaker 1: Famly love some acctionable tips that we can take away, 779 00:38:02,239 --> 00:38:04,080 Speaker 1: and I'm gonna I'm gonna hit you up with info 780 00:38:04,160 --> 00:38:06,160 Speaker 1: from my friend Angie, because I think that group would 781 00:38:06,160 --> 00:38:09,480 Speaker 1: be great because it's women. I think it's women and 782 00:38:10,239 --> 00:38:15,200 Speaker 1: in in Jersey specifically you know, real estate investing, because yeah, 783 00:38:15,320 --> 00:38:18,959 Speaker 1: you need that support too, and I'm I do thank 784 00:38:19,000 --> 00:38:22,080 Speaker 1: you so much for sharing some time for having me 785 00:38:22,280 --> 00:38:23,040 Speaker 1: appreciate it. 786 00:38:23,239 --> 00:38:25,920 Speaker 3: I appreciate it, and I'm looking forward to seeing all 787 00:38:25,960 --> 00:38:27,040 Speaker 3: that you do with the podcast. 788 00:38:27,080 --> 00:38:27,720 Speaker 2: I'll be listening. 789 00:38:28,480 --> 00:38:28,960 Speaker 1: Thank you.