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Speaker 1: Hey, Hey, hey, ba fan, we are back with another brand,

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Speaker 1: brand new episode. Thank you again for all your patients

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Speaker 1: as we took a little break. As you guys know,

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Speaker 1: Tiffany is still very on a well deserved break while

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Speaker 1: she is taking time that she needs to heal. And

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Speaker 1: thank you guys again for your outpouring of support for her.

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Speaker 1: We love y'all so much. I did see her for

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Speaker 1: a little bit last week and she says hello and

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Speaker 1: wants everyone to know that she appreciates all the love

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Speaker 1: and support. But I am not here alone because that

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Speaker 1: would be weird. I can't just talk to myself. I

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Speaker 1: am joined by the one and only Chris Browning from

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Speaker 1: Popcorn Finance.

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Speaker 2: Hey, thanks for having me. I'm excited to be back here,

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Speaker 2: joining you again.

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Speaker 1: Your second time on the show.

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Speaker 3: Right, it is? It is. It was such a great time.

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Speaker 3: I was that I got that you want to come

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Speaker 3: back again.

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Speaker 1: Oh well, thank you for joining us. I'm really excited

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Speaker 1: to talk to you because I feel like when did

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Speaker 1: we last talk last summer? And it was when I

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Speaker 1: was just at the beginning of my baby entrepreneur journey.

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Speaker 1: But you have been and we're both we both shared

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Speaker 1: this past of being like nine to five entrepreneurs where

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Speaker 1: we had our full time jobs and then we were

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Speaker 1: doing our thing on the side. For you, that's been well.

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Speaker 1: Now you have two podcasts now right?

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Speaker 3: Uh? Yeah? Yeah? I was like, like, how many am

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Speaker 3: I doing? Yeah? But two right now?

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Speaker 1: Yeah? Gotta have two? I mean at a minimum Popcorn

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Speaker 1: Finance and then your second one is this is awkward right?

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Speaker 3: Yes?

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Speaker 1: Yes, that's my life story in one podcast title. Yeah.

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Speaker 1: So I wanted to make this show I had. I

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Speaker 1: had our mutual friend Jamila Sufrant from Journey to Launch

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Speaker 1: on last week's show, and if you guys missed it,

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Speaker 1: Jamila and I talked all about twenty twenty two goal

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Speaker 1: getting and goal setting, how to actually set realistic goals.

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Speaker 1: And one of my favorite things that Jamila and I

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Speaker 1: talked about was her concept of goal fuel. So how

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Speaker 1: do you actually what's the fuel in your tank that

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Speaker 1: you're actually gonna need to accomplish your goals? So check

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Speaker 1: that episode out. But Chris, what I want to talk

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Speaker 1: to you about is where where is Chris Browning Inc? At?

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Speaker 1: Right now? And going into twenty twenty two? And then

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Speaker 1: I'll share with you guys an update on Mandy Money Inc.

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Speaker 1: And where I'm going in twenty twenty two. So I'm

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Speaker 1: putting you in the hot seat first, Where are you

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Speaker 1: still nine to five preneuring? What's going on?

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Speaker 2: So actually, funny enough this as we're talking, this is

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Speaker 2: day two of the first week of me transitioning away

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Speaker 2: from my day job. Yeah, so I've been I've been

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Speaker 2: working this job as a financial analyst for close to

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Speaker 2: four years now and been running the podcast behind the

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Speaker 2: scenes all that stuff for almost five years. And so

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Speaker 2: it's been a lot of you know, you said, you know,

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Speaker 2: trying to juggle the day job responsibilities and they'll try

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Speaker 2: to build something on my own. And I finally got

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Speaker 2: to a point where I was able to say, Okay,

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Speaker 2: you know, I've saved up enough money, I had some

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Speaker 2: opportunities come up this year. I think it's a good

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Speaker 2: time to give it a try and transition. I was like, well,

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Speaker 2: if I don't try it now, when will I ever

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Speaker 2: try it? And so, yeah, right now, what I'm doing

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Speaker 2: is I'm transitioning to part time. So I'm just working

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Speaker 2: a couple of days a week at my day job

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Speaker 2: because I do this huge like annual budget process with them,

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Speaker 2: and so I actually like the people I working with it.

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Speaker 2: I was like, you know what, I'll help you. I'll

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Speaker 2: try instead of just quitting and leaving, I'll slowly kind

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Speaker 2: of fade away out into the distance. So I'm just

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Speaker 2: working a couple of days a week, and then probably

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Speaker 2: sometime between now and June, I'll completely transition away and

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Speaker 2: go full time with all the podcasts and media stuff.

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Speaker 1: I love that because I don't think a lot of

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Speaker 1: people would think they could ask to go part time

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Speaker 1: at a full time job. It's like for some people,

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Speaker 1: it's just you know, isn't Isn't it all or nothing

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Speaker 1: when it comes to your job? Tell me and I

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Speaker 1: forget now, did your colleagues know about popcorn finance? Did

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Speaker 1: they know you had this alter ego business empire you

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Speaker 1: were starting?

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Speaker 2: Yeah, you know, they eventually found out because it got

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Speaker 2: so weird, so awkward. Me kind of hiding the fact

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Speaker 2: that I was doing this because I didn't really want

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Speaker 2: anyone to know. I was like, you know, I want

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Speaker 2: to keep this separate. These are two different lives. This

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Speaker 2: is work. This is the other side of the podcast.

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Speaker 2: If they don't need to know about each other. But

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Speaker 2: when I would need to take time off, you know

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Speaker 2: because I was I knew my boss, well, you know,

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Speaker 2: we have a friendship. Now it's like she's like, so

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Speaker 2: what are you doing? You know, hey, we're heading up

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Speaker 2: to it. I didn't want. I felt bad, like just

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Speaker 2: constantly lying. I don't want to be like, oh, you know,

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Speaker 2: just going on a trip with some friends. You know,

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Speaker 2: I'll be back in a week. So eventually I told

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Speaker 2: her and she was super supportive of it, like she

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Speaker 2: she began telling everyone else at the office about the

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Speaker 2: work I did and said, oh, you guys should really

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Speaker 2: check this out. So you know, at this point, now

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Speaker 2: pretty much everyone I work with knows what I do.

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Speaker 2: So it was it didn't come to a surprise to

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Speaker 2: them when I when I eventually said I'm gonna transition away,

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Speaker 2: they kind of they kind of saw it coming.

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Speaker 1: What were you doing on those vacations? Were you taking

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Speaker 1: like podcast vacations where you would go work on the show?

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Speaker 2: I would be going like the conferences, So go to conferences.

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Speaker 2: I think the most recent time I went to like

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Speaker 2: an award ceremony, and it was just like it was

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Speaker 2: just too awkward not to tell because I would probably

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Speaker 2: post something online and they were going to see it.

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Speaker 2: So I just started just being like, honestly, hey, yeah,

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Speaker 2: this is what I'm up to. I'm like, oh, that's interesting.

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Speaker 2: I had no idea you were even doing this type

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Speaker 2: of stuff.

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Speaker 3: Yeah.

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Speaker 1: I feel like and you know, in my among my

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Speaker 1: coaching clients, there are several women I've talked to who

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Speaker 1: have their side hustles and they haven't told their jobs

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Speaker 1: and sometimes like there was one in particular where I

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Speaker 1: was like, put that on LinkedIn. You know those are

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Speaker 1: she was trying to pivot to a different industry, an

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Speaker 1: industry that was in line with her side hustle, and

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Speaker 1: I was like, put that airsh on LinkedIn because you know,

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Speaker 1: I understand the Honestly, I think a big part it

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Speaker 1: was just wanting to have some privacy, you know, just

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Speaker 1: wanting to have something up that's your own and you

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Speaker 1: don't want your coworker bs. Unfortunately, not everyone has amazing colleagues.

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Speaker 1: Like it sounds like you've had and I've had, but

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Speaker 1: I've I'm almost like, you're holding You're withholding such a

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Speaker 1: cool fun fact about yourself that I feel like sets

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Speaker 1: you apart in job interviews and also can even help

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Speaker 1: give you a talking point, like give something to talk

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Speaker 1: about during a job interview. Besides like the day to

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Speaker 1: day stuff that adds some personality. It shows that you

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Speaker 1: are a self starter, you know what I mean. So

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Speaker 1: I'm glad to hear that you finally came clean with

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Speaker 1: your I feel like when one of my one of

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Speaker 1: my editors one time finally revealed to me that he

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Speaker 1: was going to Comic Con and he was just like

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Speaker 1: he was huge into like coseplay, and when I found

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Speaker 1: it gave us something to talk about, because before that

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Speaker 1: our conversations were so dry, like it wasn't really much

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Speaker 1: to talk about. But I was like, I don't know

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Speaker 1: much about comic Con, but I would love to hear about,

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Speaker 1: like what you're up to any any who?

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Speaker 3: Yeah, Okay, I wish I would.

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Speaker 2: I wish I would have told my coworkers sooner, you know,

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Speaker 2: because like you said, it gives you something to talk

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Speaker 2: about and set off to say, how is your weekend?

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Speaker 3: Did you see your family outside my family? Great? To

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Speaker 3: see you later.

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Speaker 2: I actually have you know, I'll give a shout out.

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Speaker 2: I have two co workers who Mandy, who love your podcast,

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Speaker 2: Jackie and Bonetta. They found out about me podcasting because

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Speaker 2: of the last time I was on your podcast and

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Speaker 2: they were like, do you do podcasting? Because I think

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Speaker 2: I heard your voice Brown Ambition.

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Speaker 1: Wait, so Brown Ambition, we outed you.

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Speaker 3: Ye, spread it out a little bit further verse that

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Speaker 3: let a few more people know we have some reach.

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Speaker 1: Chris, I don't know, like we do have a bit

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Speaker 1: of a reach. If you thought you were going to

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Speaker 1: remain anonymous coming on Brown Ambition, chances are if you

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Speaker 1: work in an office with black women, Brown Ambition is somewhere.

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Speaker 1: We're somewhere, Okay, somewhere that's awesome. And I feel like

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Speaker 1: Benita sounds very familiar anyway, So talk to me about so.

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Speaker 1: I'm very very excited you first and foremost. So you've

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Speaker 1: asked to go part time. Very generous of you. But

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Speaker 1: it sounds like you had like a financial goal in

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Speaker 1: mind before you were going to step away. How did

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Speaker 1: you decide how much money were you?

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Speaker 3: Like?

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Speaker 1: What was your version of I have financial security I

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Speaker 1: can step away from you know, how did you determine

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Speaker 1: that number?

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Speaker 2: I mean I am super risk averse, like I am

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Speaker 2: one of those people who is like everything makes me nervous,

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Speaker 2: Like I need to prepare for a CD, I needed

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Speaker 2: plans for everything. Because I don't want to be stuck

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Speaker 2: in like a tough position because you know, I was,

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Speaker 2: I was broke. I had a bunch of credit card

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Speaker 2: debt when I was younger, so I have all those

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Speaker 2: emotions of I don't want to be back in that

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Speaker 2: place again. So I had like a six month emergency

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Speaker 2: fund built up just from you know, in general, just

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Speaker 2: to have there while I was working. And so for me,

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Speaker 2: the first step was, even before I was sure I

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Speaker 2: was going to make the step to kind of do

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Speaker 2: my own thing, I was all right, I'm gonna bump

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Speaker 2: this up to a year. So that was my goal.

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Speaker 2: Pretty much most of twenty twenty one, it was spent

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Speaker 2: saving as much as I could to get that emergency

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Speaker 2: fund up to a year. So that was my step one.

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Speaker 2: That gave me a little cushion to feel a little

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Speaker 2: bit more comfortable that if things just completely fell apart,

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Speaker 2: you know, the spears in the back of my mind,

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Speaker 2: like all of a sudden, every opportunity drives up and

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Speaker 2: I'm like, I got to crawl back and go find

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Speaker 2: another job. It gave me some breathing room to feel safe,

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Speaker 2: and then however long it took me to get another job.

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Speaker 2: So that was that was step one. And then what

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Speaker 2: really pushed me over the edge was an opportunity came along.

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Speaker 2: It hasn't been announced yet, but I think I'm okay

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Speaker 2: to talk about it.

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Speaker 3: Uh.

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Speaker 2: I'm gonna be working a little. I'm working for Credit

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Speaker 2: Union doing like all their educational materials. So I'm gonna

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Speaker 2: be doing like video series and writing about personal finance

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Speaker 2: about you know, teaching all stuff already talk about on

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Speaker 2: the podcast. And so they just reached out to me.

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Speaker 2: They've seen some of my other work, they liked what

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Speaker 2: I did. They reached out to me, and that was

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Speaker 2: really the little push I needed to go ahead and say,

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Speaker 2: all right, Chris, you can you can do this, It'll

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Speaker 2: work out.

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Speaker 3: Here's here's your here's your sign to give us a try.

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Speaker 2: And then that gave me that that final thing I

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Speaker 2: needed to step out and give us a try on

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Speaker 2: my own.

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Speaker 1: Yeah. And I also feel like a part of your

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Speaker 1: emergency fund. People don't think about this is your skills

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Speaker 1: as like through your job as a financial analyst, Like

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Speaker 1: that is a part of your emergency kit too. That

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Speaker 1: when you leave and you step away, it doesn't it

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Speaker 1: doesn't like immediately erase all of your job experience. So yes,

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Speaker 1: that's a lever you can pull in the future. And

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Speaker 1: it sounds like you're not burning bridges at all. So

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Speaker 1: you know, those colleagues would probably be happy to have

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Speaker 1: you back. I don't think that's going to happen, you

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Speaker 1: know what I'm saying. It's nice to know people still

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Speaker 1: want to work with you.

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Speaker 3: Exactly.

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Speaker 1: The Credit Union, how is that a contract? Do you

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Speaker 1: have like a six month or a year you know

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Speaker 1: deal where you have like, okay, I've got like some

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Speaker 1: guaranteed income from this partnership coming through twenty twenty two.

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Speaker 2: Yeah, So for them, I'm hoping it'll be a long

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Speaker 2: term relationship. It feels like I've really liked working with

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Speaker 2: them so far, and it feels like this is going

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Speaker 2: to be a long term thing. So I know, at

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Speaker 2: least we have a couple of years of working together

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Speaker 2: at minimum to where I have you know, I know,

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Speaker 2: I have a partner I can work with and you know,

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Speaker 2: have something a nice project to work on for for

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Speaker 2: a while.

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Speaker 1: So yeah, it's a I'm so happy Forraz as well.

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Speaker 2: It just came out of nowhere and I was like,

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Speaker 2: I did not foresee this happening, but I'm very excited

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Speaker 2: that it did.

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Speaker 1: That's what me and Jamila were talking about last week.

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Speaker 1: It feels like it comes out of nowhere. But you know,

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Speaker 1: you've been planting these seeds for five years doing popcorn finance.

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Speaker 1: You know, there's small seeds, and I think we both

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Speaker 1: kind of talked about. You know, even right now, there

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Speaker 1: may be conversations in rooms happening with decision makers and

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Speaker 1: they're talking about Mandy or they're talking about Chris. I

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Speaker 1: love this podcast. I love her podcast. And that is

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Speaker 1: the magic of what we do a little bit. It's

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Speaker 1: like you do the work and you trust that, yes,

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Speaker 1: fruits will come, you know what I mean. So I

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Speaker 1: don't think it was anything that just happened randomly. It

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Speaker 1: was you know, five years of Chris side hustling, sneaking

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Speaker 1: around behind his colleagues back.

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Speaker 2: I mean, you're all right, like you don't even you

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Speaker 2: don't think about the fact that you're just putting in work,

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Speaker 2: like you're doing something that you're putting your all into,

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Speaker 2: Like you find yourself putting more into it than you

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Speaker 2: do in your day job, just because it's something you

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Speaker 2: built yourself. And oftentimes that's like the best marketing is

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Speaker 2: you doing an excellent job at the work that you

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Speaker 2: love and then but you're all into yeah.

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Speaker 1: And I feel like in the past year, I mean,

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Speaker 1: the pandemic was wild and I had a newborn on

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Speaker 1: top of that, and one of my it was like

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Speaker 1: an unofficial resolution for twenty twenty one, was to like

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Speaker 1: actually connect with more of my years in podcasting. And

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Speaker 1: it's been so rewarding, you know, because right now it's

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Speaker 1: I feel like, now that I'm a full time entrepreneur,

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Speaker 1: I don't have the colleagues to catch up with or

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Speaker 1: key key you know, in the office or in the slack.

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Speaker 1: So I've almost made you guys my coworkers, and I'm like,

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Speaker 1: I want to hear about you know, your wins and

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Speaker 1: and catch up with my colleagues. That's how I feel like.

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Speaker 1: So it's really really fun to see you guys and

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Speaker 1: see all the success that y'all are having. It's also inspirational,

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Speaker 1: and I I feel like as business owners too, one

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Speaker 1: of the one of my one of the things I

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Speaker 1: want to move away from is the sense that I

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Speaker 1: can't talk to my my peers. We're competing, you know,

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Speaker 1: there's there's not enough for everybody, like that scarcity mindset.

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Speaker 1: I just like repeat this mantra that there is so much,

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Speaker 1: there's so much meat on the bone. There's plenty for Chris,

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Speaker 1: there's plenty for Jamila, plenty for Tiffany, plenty for me,

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Speaker 1: Like we're all out here, there's there's there's so much,

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Speaker 1: there's an abundance of opportunities. And by opening myself up

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Speaker 1: to that mindset, it's helped me build these relationships with

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Speaker 1: you guys that I think will only help my business,

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Speaker 1: you know, give me I feel like I can I

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Speaker 1: feel like I can do I can text you whenever

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Speaker 1: I have a if I have a question or something

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Speaker 1: pops up, you know, and that to me is really valuable.

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Speaker 1: And I do hear from my coaching clients in general.

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Speaker 1: Just sometimes there's just like loneliness or isolation that's like

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Speaker 1: self inflicted.

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Speaker 2: You know, there really is, because you kind of feel

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Speaker 2: like I'm on my own, I'm doing my own thing,

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Speaker 2: and I can't talk to these other people because you know,

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Speaker 2: I don't want to, you know, give away my ideas

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Speaker 2: or or I think I'm trying to steal their ideas.

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Speaker 2: And but you know, it's it's working together it was

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Speaker 2: so it's like very convenient, be convenience out the right word.

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Speaker 2: But the fact that you had Demilan she helped me

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Speaker 2: so much in the start of my journey. She was

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Speaker 2: my first guest I ever had on the podcast, and

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Speaker 2: she reached out to me. I was like, Hey, there's

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Speaker 2: a conference the podcast conferences going on and I know

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Speaker 2: you live like very close to this area. Do you

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Speaker 2: want want to come by and check it out. I

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Speaker 2: can introduce her to some people, and her just taking

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Speaker 2: them to reach out and make those connections and be

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Speaker 2: a kind person.

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Speaker 3: Uh.

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Speaker 2: When she didn't have to be really led to me

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Speaker 2: getting deeper into podcasting and opportunities I have now. And

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Speaker 2: if she wouldn't have done that, she was just like, Oh,

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Speaker 2: I'm just gonna say to myself, I who knows, I

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Speaker 2: finally would just be still, you know, on the same

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Speaker 2: path to you know, I have a nice job, but

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Speaker 2: not doing what I really enjoy.

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Speaker 1: Well, let's talk about the real like the reality of

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Speaker 1: having a business. I mean, you've you've had Popcorn Finance

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Speaker 1: for five years now, but has your what sort of like, oh,

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Speaker 1: I'm a business owner. Epiphanies have you had Like I

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Speaker 1: for me, my big one was last week. I had

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Speaker 1: a call with a real business accountant, someone who's done

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Speaker 1: taxes for Brown Ambition for a while. But I was like, no,

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Speaker 1: I need a real like sit down with me and

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Speaker 1: let's get my stuff in order. And you know, I

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Speaker 1: got my first quarterly tax bill and I'm opening my

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Speaker 1: first solo for one. Okay, what, I'm such a baby,

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Speaker 1: you know, entrepreneur in this way. Have you had any

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Speaker 1: of those moments for yourself lately as you've transitioned?

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Speaker 2: Oh yeah, yeah, especially because we talk about finance so much.

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Speaker 2: It's so weird to then step into another world of

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Speaker 2: finance that I don't really know as much about. And

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Speaker 2: I'm like sitting there asking all the questions because I'm like,

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Speaker 2: you know, if I was just you know, setting on

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Speaker 2: my own stuff, I'm fine. But now all of a sudden,

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Speaker 2: I gotta be worried about the irs and different business

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Speaker 2: structures and how am I going to do my retirement

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Speaker 2: going forward? And the same thing as you. I have

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Speaker 2: an appointment coming up with an accountant and they already

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Speaker 2: sent me. She already sent me over a bunch of

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Speaker 2: details I've been reading through and I'm just like it

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Speaker 2: kind of hits you. You're like, oh man, this is

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Speaker 2: a whole other world I need to learn and be

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Speaker 2: mindful of. And there's a lot of questions I need

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Speaker 2: to answer for myself. And it does get a little

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Speaker 2: bit overwhelming, and it does get me back to that

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Speaker 2: point where I remember when I started my just personal

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Speaker 2: finance journey, just learning and trying to fix my own mistakes.

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Speaker 2: It has similar feelings of like overwhelm and am I

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Speaker 2: doing the right thing? And I'm talking to the right person,

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Speaker 2: Like all these all these fears and the doubt about

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Speaker 2: all these changes started to pop up again, and uh,

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Speaker 2: it's a lot to get over again. It's a lot

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Speaker 2: to experience these feelings again. And I'm right with you

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Speaker 2: because I feel like we're kind of on a similar

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Speaker 2: like transitional phase right now, and it's it's it's a

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Speaker 2: lot to think about.

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Speaker 1: Yeah, it's funny because I knew the corporate world so

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Speaker 1: well and how to navigate through it. I mean, I

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Speaker 1: know everything about employee benefits and how to get every

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Speaker 1: last red scent I could possibly get out of an employer.

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Speaker 1: But now I'm the boss and I'm like, wait, so

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Speaker 1: when I officially went independent last May slash June, and

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Speaker 1: I just kind of forgot about retirement savings, like I

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Speaker 1: just because I'm so used to it being a part

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Speaker 1: of my you know automatic and I had money coming

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Speaker 1: in through my business, and I'm just so grateful that

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Speaker 1: I was able to so my first this may not

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Speaker 1: this may be peanuts, but I'm just gonna say it,

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Speaker 1: in my first six seven months of business, I made

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Speaker 1: fifty five thousand dollars at the end of twenty twenty one,

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Speaker 1: which is thank you very much, which is one which

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Speaker 1: is a fraction of what I was making, you know,

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Speaker 1: full time corporate. But you know, it was all me.

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Speaker 1: And but I, yeah, I didn't save, I didn't invest

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Speaker 1: through for my business revenue. I just I kind of

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Speaker 1: froze because I knew that I had to figure things out.

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Speaker 1: I knew there were taxes I needed to do. I

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Speaker 1: knew I needed to, like I kind of I picked

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Speaker 1: my you know, single member LLC structure and all of that,

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Speaker 1: but I was just afraid to even pay myself or

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Speaker 1: spend money that I was earning. So I just like

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Speaker 1: left it and I kind of did the deer in

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Speaker 1: headlights thing until I finally over the Christmas holiday, you know,

401
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Speaker 1: was trying to figure out who I want. I interviewed

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Speaker 1: an account and I didn't like them very much, didn't

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Speaker 1: really get a good vibe. So I finally, you know,

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Speaker 1: went to the the person and I know who's done

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Speaker 1: Brown ambitions, taxes, and he was wonderful and thank goodness,

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Speaker 1: he took me on as a client at the end

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Speaker 1: of the year and I was like, Okay, this has

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Speaker 1: been cute for seven months, but I have been living

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Speaker 1: off of my personal savings and with a mortgage in daycare.

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Speaker 1: It doesn't last, you know, a ton of time. So

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Speaker 1: for twenty twenty two, my first goal is to continue

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Speaker 1: earning money obviously, but start paying myself so that I'm

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Speaker 1: not depleting my savings anymore and actually be I'm opening

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Speaker 1: a solo for one K, which is a part of

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Speaker 1: Vanguard dot com. I didn't even know existed.

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Speaker 3: That business world. Like I over r on the side there.

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Speaker 1: I was like, you can do that through Vanguard, you

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Speaker 1: can And my accountent was like, yeah, just go so

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Speaker 1: and you can do it anywhere. What's what's have you

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Speaker 1: been investing? Like, have you set up your you know,

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Speaker 1: retirement fund as a as a business owner yet or

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Speaker 1: are you still working on that.

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Speaker 2: Stuff that's next on the list. So, because I'm still

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Speaker 2: part time employed, I still have access to my work

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Speaker 2: retirement plans. I'm still using that. But then when I

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Speaker 2: speak to my account and I'm like, all right, you know,

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Speaker 2: but she said she already sent me like a ton

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Speaker 2: of steps.

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Speaker 3: Sorry.

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Speaker 2: I'm listening to night podcasts and the reading documents so

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Speaker 2: I can decide, Okay, what type of plan I want

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Speaker 2: to set up houses work, what are the things I

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Speaker 2: need to look out for for down the road. So

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Speaker 2: hopefully and by the end of this month, I have

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Speaker 2: something set up to carry me into the business world.

436
00:19:19,920 --> 00:19:23,600
Speaker 1: Yeah, I want to put my I've realized too. I

437
00:19:23,640 --> 00:19:27,399
Speaker 1: don't know if you've had this. So before I started

438
00:19:27,440 --> 00:19:30,359
Speaker 1: my business, you know, Brown Ambition was just it's just

439
00:19:30,480 --> 00:19:33,600
Speaker 1: been our side job for so long. We didn't Tiffany

440
00:19:33,640 --> 00:19:37,119
Speaker 1: and I weren't really treating it as a I mean,

441
00:19:37,200 --> 00:19:39,040
Speaker 1: we weren't treating it as a business, but we weren't

442
00:19:39,200 --> 00:19:40,959
Speaker 1: like taking any money from the show. We've just all

443
00:19:41,000 --> 00:19:42,560
Speaker 1: been putting it back into the show, you know. So

444
00:19:43,200 --> 00:19:45,119
Speaker 1: this was the first time I've never taken a salary,

445
00:19:45,119 --> 00:19:47,040
Speaker 1: and neither of us has from Brown Ambition. We just

446
00:19:47,119 --> 00:19:49,520
Speaker 1: kind of earned it and put it aside for whatever.

447
00:19:49,520 --> 00:19:53,119
Speaker 1: We should probably have a business strategy meeting anyway, But

448
00:19:53,520 --> 00:19:56,399
Speaker 1: for for Mandy money, you know, this is my this

449
00:19:56,480 --> 00:19:58,840
Speaker 1: is I'm going to be continue to be a breadwinner

450
00:19:58,880 --> 00:20:03,440
Speaker 1: in my household, so I need to be saving and investing.

451
00:20:04,119 --> 00:20:07,439
Speaker 1: So that is I have set my goals for this

452
00:20:07,520 --> 00:20:09,919
Speaker 1: year of what I want to save per month. But

453
00:20:10,000 --> 00:20:11,679
Speaker 1: now it's the funny part of like, oh, now I

454
00:20:11,720 --> 00:20:12,960
Speaker 1: got to go get the money.

455
00:20:12,920 --> 00:20:15,240
Speaker 3: And exactly right, and.

456
00:20:15,280 --> 00:20:18,560
Speaker 1: How do I have? I already have to like, well,

457
00:20:18,640 --> 00:20:20,879
Speaker 1: you're you're in a comfy position because you've got a

458
00:20:20,920 --> 00:20:24,280
Speaker 1: year's worth of savings, right, yeah, so you don't have

459
00:20:24,480 --> 00:20:26,800
Speaker 1: like are you living off that savings or are you

460
00:20:26,800 --> 00:20:29,840
Speaker 1: taking a draw from your business earnings right now?

461
00:20:30,200 --> 00:20:32,600
Speaker 2: So I just started taking a draw from my business earning.

462
00:20:32,640 --> 00:20:36,280
Speaker 2: So I literally just transition this month to paying myself

463
00:20:36,320 --> 00:20:37,600
Speaker 2: from the business versus.

464
00:20:37,280 --> 00:20:38,360
Speaker 3: From my day job.

465
00:20:39,000 --> 00:20:40,359
Speaker 2: So now this is the first time I've had to

466
00:20:40,359 --> 00:20:42,280
Speaker 2: set that up and say, Okay, how do I pull

467
00:20:42,359 --> 00:20:44,520
Speaker 2: this out? And what do I move this to another account?

468
00:20:44,560 --> 00:20:47,000
Speaker 2: How does this all work? So I'm kind of learning

469
00:20:47,280 --> 00:20:48,240
Speaker 2: as I go this month.

470
00:20:48,280 --> 00:20:49,840
Speaker 1: Wait, how does it work? Tell me? Because I'm are

471
00:20:49,840 --> 00:20:50,800
Speaker 1: you an ESCRP now?

472
00:20:51,240 --> 00:20:55,040
Speaker 2: No, so I'm still so proprietor. I'm considering making the change.

473
00:20:55,080 --> 00:20:56,840
Speaker 2: I've been reading up on like the benefits of the

474
00:20:56,960 --> 00:20:59,440
Speaker 2: es corp and how you basically become an employee of

475
00:20:59,440 --> 00:21:00,000
Speaker 2: your own company.

476
00:21:00,160 --> 00:21:00,360
Speaker 3: Knee.

477
00:21:00,760 --> 00:21:02,200
Speaker 2: Uh, so I'm thinking about that. But I was like,

478
00:21:02,240 --> 00:21:03,920
Speaker 2: all right, let me just I was. I had so

479
00:21:04,000 --> 00:21:05,119
Speaker 2: much on my plate. I was like, let me just

480
00:21:05,119 --> 00:21:07,720
Speaker 2: figure out how to get through January. So yeah, So

481
00:21:07,800 --> 00:21:09,880
Speaker 2: now basically it's just it's called like an owner's draw

482
00:21:09,920 --> 00:21:12,600
Speaker 2: as that I guess the accountant's way of referring to

483
00:21:12,600 --> 00:21:14,520
Speaker 2: it, and basically where owners is drawing and come out of

484
00:21:14,520 --> 00:21:16,720
Speaker 2: the business. So it just it's literally just a transfer

485
00:21:16,880 --> 00:21:19,200
Speaker 2: from one account to another, just like keep everything separate,

486
00:21:19,200 --> 00:21:21,480
Speaker 2: so from my business account into a personal account.

487
00:21:22,200 --> 00:21:22,480
Speaker 3: Yeah.

488
00:21:22,560 --> 00:21:25,560
Speaker 1: I do use QuickBooks. I at least have that. You

489
00:21:25,680 --> 00:21:28,600
Speaker 1: have same? Yeah, and I got a bookkeeper. Do you

490
00:21:28,600 --> 00:21:29,359
Speaker 1: have a bookkeeper?

491
00:21:29,640 --> 00:21:31,440
Speaker 3: I don't. I'm my own bookkeeper currently.

492
00:21:32,080 --> 00:21:33,679
Speaker 1: Oh well, I guess you would because you're like a

493
00:21:33,680 --> 00:21:34,840
Speaker 1: financial analyst or whatever.

494
00:21:35,320 --> 00:21:37,520
Speaker 3: I don't like it. I'm just doing it.

495
00:21:37,800 --> 00:21:40,600
Speaker 1: Yeah, I mean I knew enough to at least get

496
00:21:40,600 --> 00:21:43,280
Speaker 1: the quick book set up. And but when it came

497
00:21:43,320 --> 00:21:45,679
Speaker 1: time for the end of the year, the accountant was like,

498
00:21:45,720 --> 00:21:48,520
Speaker 1: have your books been reconciled? And I was like, were

499
00:21:48,520 --> 00:21:54,840
Speaker 1: they arguing? Is there beef? Like are they upset at me?

500
00:21:54,960 --> 00:21:58,560
Speaker 1: I don't what? And so I went into QuickBooks and

501
00:21:58,600 --> 00:22:01,399
Speaker 1: I found their reconcile button and then everything was just

502
00:22:01,440 --> 00:22:06,399
Speaker 1: like I was like, I need help. So I found

503
00:22:06,400 --> 00:22:09,679
Speaker 1: out actually the bookkeeper works exact works with my accountant

504
00:22:10,440 --> 00:22:13,600
Speaker 1: and she's wonderful. And anyway, I had to get my

505
00:22:13,640 --> 00:22:16,840
Speaker 1: books reconciled and that that felt really good because through

506
00:22:16,840 --> 00:22:19,800
Speaker 1: getting the bookkeeping, that's when the accounting can happen, because

507
00:22:19,840 --> 00:22:22,520
Speaker 1: the bookkeeping is like a record of all your money

508
00:22:22,520 --> 00:22:26,359
Speaker 1: that you've earned, all the money you've spent by category.

509
00:22:26,800 --> 00:22:29,520
Speaker 1: And it felt good to have other eyes on it.

510
00:22:29,760 --> 00:22:33,320
Speaker 1: And that was like five hundred bucks, I think for

511
00:22:33,320 --> 00:22:35,520
Speaker 1: for her to catch up on everything, for her to

512
00:22:35,520 --> 00:22:37,560
Speaker 1: catch up on seven months of my business being just

513
00:22:37,640 --> 00:22:43,199
Speaker 1: run higgledy piggledy, you know, but it's just out there exactly.

514
00:22:44,840 --> 00:22:46,680
Speaker 2: It sounds like a lot of money, But the thought

515
00:22:46,720 --> 00:22:49,440
Speaker 2: of going through like seven months worth of transactions and

516
00:22:49,520 --> 00:22:52,560
Speaker 2: claiming map yourself, that's money that's well worth it.

517
00:22:52,560 --> 00:22:54,800
Speaker 1: It's just gonna take one I r s audit for

518
00:22:54,880 --> 00:22:57,080
Speaker 1: me to to find me out, like she doesn't know

519
00:22:57,119 --> 00:23:01,960
Speaker 1: what she's doing. And yeah, and I have been audited.

520
00:23:02,040 --> 00:23:05,720
Speaker 1: I was We got an audit last year or just

521
00:23:05,800 --> 00:23:08,920
Speaker 1: recently for twenty twenty from the IRS because I had

522
00:23:08,960 --> 00:23:11,880
Speaker 1: like cash some stock from my company and it wasn't

523
00:23:11,880 --> 00:23:13,879
Speaker 1: recorded properly, and I was like, I don't want They

524
00:23:13,960 --> 00:23:15,920
Speaker 1: sent me a twenty seven thousand dollars bill in the mail.

525
00:23:16,400 --> 00:23:18,600
Speaker 1: This is a tangent and I was like this camp.

526
00:23:18,640 --> 00:23:21,200
Speaker 1: I was like, calm, be calm. My husband's not calm.

527
00:23:21,200 --> 00:23:25,840
Speaker 1: He's like what ended up being a clerical era. But

528
00:23:25,920 --> 00:23:29,280
Speaker 1: I was like never again. So yeah, those expenses, the

529
00:23:29,320 --> 00:23:33,439
Speaker 1: book keeping, the accountant, you know that for me, one

530
00:23:33,520 --> 00:23:36,399
Speaker 1: hundred percent worth it because it means peace of mind,

531
00:23:37,240 --> 00:23:41,160
Speaker 1: and it means no irs, you know, knocking at my door,

532
00:23:41,240 --> 00:23:43,200
Speaker 1: sending me scary letters in the mail exactly.

533
00:23:43,240 --> 00:23:44,760
Speaker 2: I said, the worst feeling anything from the IRS. I

534
00:23:44,760 --> 00:23:46,159
Speaker 2: remember one time they just sent me a notice. It

535
00:23:46,200 --> 00:23:47,760
Speaker 2: wasn't even like a bill, and I freaked out. I

536
00:23:47,760 --> 00:23:49,159
Speaker 2: was like, before I even opened it, I just I

537
00:23:49,400 --> 00:23:51,280
Speaker 2: saw Internal Revenue Service at the top, and I was like,

538
00:23:51,280 --> 00:23:52,159
Speaker 2: oh my here it comes.

539
00:23:52,359 --> 00:23:53,680
Speaker 3: I knew it was only a matter of time.

540
00:23:54,920 --> 00:23:57,160
Speaker 1: It's funny you know how fast you're it's or how

541
00:23:57,240 --> 00:23:59,840
Speaker 1: long it takes to get your refund each year. Yeah,

542
00:24:00,080 --> 00:24:01,840
Speaker 1: file your taxes. Then it's like what six to eight

543
00:24:01,840 --> 00:24:05,560
Speaker 1: weeks before you get money. Maybe faster if you do

544
00:24:06,160 --> 00:24:08,639
Speaker 1: direct deposit. But I will tell you I paid my

545
00:24:09,119 --> 00:24:12,520
Speaker 1: estimated tax for twenty the Q four of twenty twenty one.

546
00:24:12,600 --> 00:24:16,360
Speaker 1: Last night. I got an alert today incoming debit from

547
00:24:16,400 --> 00:24:19,159
Speaker 1: your account, ma'am. I said, they sure will come and

548
00:24:19,200 --> 00:24:21,480
Speaker 1: snatch just money very fast.

549
00:24:21,760 --> 00:24:23,080
Speaker 3: All of a sudden. Their banking says, soem knows how

550
00:24:23,080 --> 00:24:24,320
Speaker 3: to work real efficiently right now.

551
00:24:24,359 --> 00:24:27,280
Speaker 1: Huh Yeah, it seems like there isn't an employee shortage

552
00:24:27,280 --> 00:24:31,720
Speaker 1: of the I R s. They're doing just fine. Yeah.

553
00:24:31,840 --> 00:24:34,920
Speaker 1: The smart thing I did I didn't pay technically, I

554
00:24:34,960 --> 00:24:37,760
Speaker 1: should have you been paying quarterly taxes from popcorn finance.

555
00:24:38,600 --> 00:24:41,560
Speaker 2: I mean, I don't say on your very popular podcast

556
00:24:42,200 --> 00:24:43,760
Speaker 2: paying quarterly taxes.

557
00:24:44,359 --> 00:24:47,000
Speaker 1: Wait, is there an audience here? Okay, well I'll just reveal.

558
00:24:47,200 --> 00:24:49,960
Speaker 1: I'll just reveal because I paid my little penalty. I

559
00:24:50,040 --> 00:24:52,800
Speaker 1: knew I missed the Q three deadline, but I was like,

560
00:24:52,880 --> 00:24:56,160
Speaker 1: I haven't made that much money. Do I need to pay? Yeah?

561
00:24:56,160 --> 00:24:58,040
Speaker 1: I have, Like I had a little like two hundred

562
00:24:58,040 --> 00:25:01,920
Speaker 1: dollars late fee for not paying. But anyway, at least

563
00:25:02,000 --> 00:25:04,480
Speaker 1: I was smart enough to know I would owe taxes.

564
00:25:04,560 --> 00:25:09,000
Speaker 1: So I told myself, one third of your earnings don't exist, Like,

565
00:25:09,119 --> 00:25:11,720
Speaker 1: just don't touch them, you know what I mean. So, yeah,

566
00:25:11,760 --> 00:25:13,760
Speaker 1: I was able to cover. My first tax bill was

567
00:25:13,800 --> 00:25:16,920
Speaker 1: eight thousand dollars. And already I know so many things

568
00:25:16,920 --> 00:25:19,880
Speaker 1: I'm gonna do differently. I'm glad I only had half

569
00:25:19,920 --> 00:25:23,920
Speaker 1: a year of nonsense before I But my accountant taught

570
00:25:23,920 --> 00:25:26,600
Speaker 1: me things like because I thought, for example, I go

571
00:25:26,640 --> 00:25:28,960
Speaker 1: on I do media appearances, I thought I could expense

572
00:25:29,520 --> 00:25:32,000
Speaker 1: or count my makeup as a business expense. He's like, no,

573
00:25:32,040 --> 00:25:34,800
Speaker 1: you can't count your makeup. You can count a makeup artist.

574
00:25:35,720 --> 00:25:38,240
Speaker 1: And he's like mm hmm. He's like, you can't. It

575
00:25:38,280 --> 00:25:43,200
Speaker 1: has to be unique to the specific appearance that you're doing,

576
00:25:43,280 --> 00:25:45,320
Speaker 1: like the actual spending. I forget what kind of lingo

577
00:25:45,359 --> 00:25:48,040
Speaker 1: he used, and he was like, you can't use You

578
00:25:48,080 --> 00:25:53,680
Speaker 1: can't classify buying outfits for media appearances as a business expense,

579
00:25:53,720 --> 00:25:57,080
Speaker 1: but you can rent the runway and use and count

580
00:25:57,160 --> 00:26:01,880
Speaker 1: the rental as a business expense and I was like, oh, okay.

581
00:26:02,200 --> 00:26:03,680
Speaker 3: What's my pay I need to write some of this down.

582
00:26:04,000 --> 00:26:06,280
Speaker 1: Yeah, this is They don't teach you, you know what

583
00:26:06,280 --> 00:26:09,400
Speaker 1: I mean? No, so, and you know, we did the

584
00:26:10,320 --> 00:26:13,240
Speaker 1: calculating what size my zen den is my office as

585
00:26:13,280 --> 00:26:16,160
Speaker 1: a percentage of my home because you can deduct. There's

586
00:26:16,240 --> 00:26:18,520
Speaker 1: just so many ways to deduct expenses when you are

587
00:26:18,560 --> 00:26:22,080
Speaker 1: a business owner. And that's what excites me. I'm not

588
00:26:22,119 --> 00:26:25,680
Speaker 1: turning into a Republican and I promise, but hey, amen,

589
00:26:25,840 --> 00:26:28,720
Speaker 1: I'm just trying to say the Trump tax plan was

590
00:26:28,840 --> 00:26:33,720
Speaker 1: pretty good business owners. Don't quote me on that, but

591
00:26:35,280 --> 00:26:37,200
Speaker 1: it's a couple of things. It's a couple of nice

592
00:26:37,240 --> 00:26:39,760
Speaker 1: things as a business owner that I am discovering.

593
00:26:41,160 --> 00:26:43,040
Speaker 2: You know, you know, it's a whole new world. You know,

594
00:26:43,119 --> 00:26:45,000
Speaker 2: you hear people, you know, as an employee, I hear

595
00:26:45,000 --> 00:26:46,920
Speaker 2: people complain about, you know, all the taxes and I'm like,

596
00:26:47,000 --> 00:26:48,040
Speaker 2: I'm not paying that much taxes.

597
00:26:48,080 --> 00:26:48,720
Speaker 3: What are you talking about?

598
00:26:48,800 --> 00:26:50,640
Speaker 2: Y'all just need to pay your fair share and then

599
00:26:50,680 --> 00:26:52,840
Speaker 2: you can become a business owner. You're like, well, you

600
00:26:52,840 --> 00:26:54,959
Speaker 2: know it is I did read about this, and there

601
00:26:55,040 --> 00:26:56,639
Speaker 2: is this loophole, and well, I mean it's there, I

602
00:26:56,720 --> 00:26:58,400
Speaker 2: might as well use it. If it's going to be there,

603
00:26:58,880 --> 00:27:00,399
Speaker 2: all these other people are using it, I might as

604
00:27:00,400 --> 00:27:00,760
Speaker 2: well too.

605
00:27:01,920 --> 00:27:03,959
Speaker 1: Yeah, I mean just look at the solo four one k.

606
00:27:04,440 --> 00:27:08,440
Speaker 1: When you think about your annual contribution to your company

607
00:27:08,440 --> 00:27:10,520
Speaker 1: four one k, it's what is it, nineteen thousand, five

608
00:27:10,600 --> 00:27:12,960
Speaker 1: hundred or two, or maybe it's twenty thousand. Now for

609
00:27:13,000 --> 00:27:14,840
Speaker 1: twenty twenty two, they always like ratchet it up a

610
00:27:14,880 --> 00:27:18,080
Speaker 1: little bit, but with a solo forour one k. Because

611
00:27:18,200 --> 00:27:20,639
Speaker 1: I'm a I'm an es corp or I will be

612
00:27:20,720 --> 00:27:25,720
Speaker 1: when I refile soon, I can contribute that amount. But

613
00:27:25,760 --> 00:27:28,320
Speaker 1: I can also match it as an employer, so I

614
00:27:28,320 --> 00:27:30,639
Speaker 1: can match my contribution because I'm a good boss and

615
00:27:31,040 --> 00:27:33,800
Speaker 1: I have great benefits, and I can contribute up to

616
00:27:33,840 --> 00:27:36,840
Speaker 1: like fifty seven thousand dollars pre tax if I wanted to.

617
00:27:37,240 --> 00:27:39,040
Speaker 1: I think that's accurate. Don't quote me on that. That's

618
00:27:39,040 --> 00:27:42,119
Speaker 1: why I have an accountant. But the potential is you

619
00:27:42,160 --> 00:27:45,000
Speaker 1: know there, and that can really limit my taxable income

620
00:27:45,040 --> 00:27:49,240
Speaker 1: for the year. So I'm like, bet, I, how what

621
00:27:49,320 --> 00:27:52,040
Speaker 1: can I do? There's things Even my accountant was like,

622
00:27:52,040 --> 00:27:54,000
Speaker 1: this is why everyone buys a car for the business.

623
00:27:54,119 --> 00:27:56,359
Speaker 1: At the end of tax year, I'm like, I don't

624
00:27:56,359 --> 00:28:00,680
Speaker 1: need another car, but I may need some equipment or

625
00:28:00,720 --> 00:28:04,240
Speaker 1: some software conference fees toward the end of the year

626
00:28:04,280 --> 00:28:06,040
Speaker 1: that I if I had done that, I would have

627
00:28:06,080 --> 00:28:07,280
Speaker 1: paid even less in taxes.

628
00:28:07,480 --> 00:28:10,440
Speaker 2: You know, I bet you're about to know Tesla number

629
00:28:10,440 --> 00:28:12,040
Speaker 2: two right here on the podcast.

630
00:28:11,840 --> 00:28:15,879
Speaker 1: Shut up and people are like, where's baby number two?

631
00:28:15,920 --> 00:28:17,400
Speaker 1: My husband's like, where's Tesla number two?

632
00:28:17,480 --> 00:28:21,399
Speaker 2: Yeah, now, then that sounds more exciting Tesla number two

633
00:28:21,480 --> 00:28:22,360
Speaker 2: versus baby number two.

634
00:28:22,400 --> 00:28:25,879
Speaker 1: I feel like, yeah, it would be nice. We're a

635
00:28:25,880 --> 00:28:28,760
Speaker 1: one car household, and you know, we're making it. It's fine.

636
00:28:28,760 --> 00:28:30,399
Speaker 1: We can do it because I work from home anyway.

637
00:28:30,440 --> 00:28:34,119
Speaker 1: But we will eventually get a second car. But I

638
00:28:34,400 --> 00:28:39,640
Speaker 1: feel like as far as family goals, you know, financial goals,

639
00:28:39,680 --> 00:28:42,479
Speaker 1: you know, vacation, I want to take a big vacation,

640
00:28:42,720 --> 00:28:48,280
Speaker 1: and yeah, a second car would be great. I feel

641
00:28:48,280 --> 00:28:50,480
Speaker 1: a little bit like, let me get a full year

642
00:28:50,800 --> 00:28:52,880
Speaker 1: of my business under my belt. Now I'm approaching a

643
00:28:52,880 --> 00:28:56,760
Speaker 1: new year. I just launched the Mandy money Maker cohort program.

644
00:28:56,800 --> 00:28:59,800
Speaker 1: I'm very excited about that. Who knows what opportunities are

645
00:28:59,760 --> 00:29:04,280
Speaker 1: coming for me in twenty twenty two. But I do

646
00:29:04,320 --> 00:29:08,400
Speaker 1: feel like I'm in this squirrel away your revenue mode,

647
00:29:08,840 --> 00:29:11,600
Speaker 1: like I'm afraid to spend anything I earn. You know,

648
00:29:12,240 --> 00:29:14,480
Speaker 1: that's my mindset right now. It's just earn, earn, earn,

649
00:29:14,560 --> 00:29:15,920
Speaker 1: and don't burn burn burn.

650
00:29:16,600 --> 00:29:18,880
Speaker 2: Yeah, I mean I completely understand it, and I mean

651
00:29:19,480 --> 00:29:21,080
Speaker 2: it's good to hear you say that, because when I

652
00:29:21,120 --> 00:29:23,720
Speaker 2: see what you're doing and I feel like you're very successful.

653
00:29:23,760 --> 00:29:25,040
Speaker 3: I've see you. I see on Doctor.

654
00:29:24,840 --> 00:29:27,520
Speaker 2: Phil, I see you on Yahoo, I see you everywhere,

655
00:29:27,520 --> 00:29:30,040
Speaker 2: and I'm like, oh, of course you're successful. This is

656
00:29:30,040 --> 00:29:33,000
Speaker 2: gonna go great. But even though as great as you're

657
00:29:33,000 --> 00:29:34,240
Speaker 2: doing and how great of a year, it looks like

658
00:29:34,280 --> 00:29:36,280
Speaker 2: twenty twenty one was for you, at least on the

659
00:29:36,280 --> 00:29:38,479
Speaker 2: business side of things. We count you know, the pandemic

660
00:29:38,560 --> 00:29:41,680
Speaker 2: and all that other stuff out of here, you still

661
00:29:41,720 --> 00:29:44,080
Speaker 2: have those feelings, right, You still can't shake that.

662
00:29:44,120 --> 00:29:44,239
Speaker 1: Well.

663
00:29:44,280 --> 00:29:46,640
Speaker 2: I need to make sure everything's okay, and I need

664
00:29:46,640 --> 00:29:48,560
Speaker 2: to secure this and I need to test this out

665
00:29:48,560 --> 00:29:50,800
Speaker 2: and see how it goes. Before I started getting too

666
00:29:50,800 --> 00:29:52,720
Speaker 2: wild with my spending. It's like those feelings are still

667
00:29:52,720 --> 00:29:54,200
Speaker 2: there no matter how how great you do.

668
00:29:55,200 --> 00:29:59,040
Speaker 1: Yeah, and money is coming and I'm doing well, like financially,

669
00:29:59,080 --> 00:30:02,920
Speaker 1: but it lasts forever. Everything is so dependent on me

670
00:30:03,560 --> 00:30:07,840
Speaker 1: continuing to deliver and tweak my business model and tweak

671
00:30:07,840 --> 00:30:12,239
Speaker 1: my offerings. And but it's that sense of I did

672
00:30:12,280 --> 00:30:14,120
Speaker 1: get a little bit of anxiety heading into the new

673
00:30:14,200 --> 00:30:16,840
Speaker 1: year because this is when I first launched my business,

674
00:30:17,200 --> 00:30:20,040
Speaker 1: launched my business when I went solo in the summer,

675
00:30:20,760 --> 00:30:24,240
Speaker 1: the bulk of my earnings was from consulting work consulting

676
00:30:24,360 --> 00:30:28,560
Speaker 1: in my previous industry, which was content marketing, and that

677
00:30:28,680 --> 00:30:31,360
Speaker 1: was the bulk for the first three or four months

678
00:30:31,360 --> 00:30:34,560
Speaker 1: of my being independent. You know, I wasn't at the

679
00:30:34,600 --> 00:30:37,160
Speaker 1: time selling career coaching. I was doing it for free

680
00:30:37,240 --> 00:30:38,920
Speaker 1: for fun because I was just like, let me see

681
00:30:38,920 --> 00:30:41,440
Speaker 1: if I can do this, and I wasn't. I did

682
00:30:41,440 --> 00:30:44,600
Speaker 1: have a couple of freelance opportunities as a writer, but yeah,

683
00:30:44,600 --> 00:30:46,160
Speaker 1: so that was the bulk. And so for me, my

684
00:30:46,160 --> 00:30:49,720
Speaker 1: first goal of twenty twenty two was let's bring all

685
00:30:49,800 --> 00:30:51,840
Speaker 1: the money back to me so that I'm kind of

686
00:30:51,880 --> 00:30:55,080
Speaker 1: controlling it, so it's coming from products and services that

687
00:30:55,200 --> 00:30:58,440
Speaker 1: I'm creating and not from a client of mine, you know.

688
00:30:58,600 --> 00:31:01,280
Speaker 1: And I also wasn't having a ton of fun doing

689
00:31:01,320 --> 00:31:03,600
Speaker 1: content marketing consulting. I can make a lot of money

690
00:31:03,640 --> 00:31:06,760
Speaker 1: at it, but it wasn't fun for me. So I'm

691
00:31:06,760 --> 00:31:09,640
Speaker 1: really proud I'm heading in that direction. But now it's

692
00:31:10,000 --> 00:31:12,440
Speaker 1: it's keeping that momentum going, like I had a great

693
00:31:12,920 --> 00:31:16,440
Speaker 1: first six months. So but there's that anxiety, the pangs

694
00:31:16,440 --> 00:31:20,280
Speaker 1: of anxiety of maintaining it, you know, not just maintaining it,

695
00:31:20,320 --> 00:31:25,200
Speaker 1: but doing more and more and more. Yes, how do

696
00:31:25,280 --> 00:31:27,720
Speaker 1: you deal with that? Do you? What are your what

697
00:31:27,760 --> 00:31:29,960
Speaker 1: are you anxious about? If anything, it's okay to talk

698
00:31:30,000 --> 00:31:32,400
Speaker 1: about it. I think it's a safe space.

699
00:31:32,600 --> 00:31:34,600
Speaker 2: Oh well, thank you. I feel safe. I feel safe

700
00:31:34,600 --> 00:31:37,920
Speaker 2: talking with their Uh. You know, for one thing, therapy

701
00:31:38,080 --> 00:31:41,120
Speaker 2: therapy is something that I added into my life last

702
00:31:41,160 --> 00:31:44,760
Speaker 2: year and I had never done I had never done

703
00:31:44,800 --> 00:31:46,600
Speaker 2: solo therapy. My wife and I had done a couples

704
00:31:46,640 --> 00:31:49,280
Speaker 2: therapy before because you know, everybody got everybody else problems,

705
00:31:49,520 --> 00:31:53,160
Speaker 2: so and uh, but I've never done it by myself.

706
00:31:53,760 --> 00:31:56,280
Speaker 2: And it's a very vulnerable thing. And I think too

707
00:31:56,400 --> 00:31:58,719
Speaker 2: for men, we just grew up not talking about problems

708
00:31:58,760 --> 00:32:00,600
Speaker 2: like you just don't. You don't talk about that your friends,

709
00:32:00,640 --> 00:32:02,400
Speaker 2: you know, I get I can count on my hand

710
00:32:02,440 --> 00:32:04,840
Speaker 2: the number of times I had a deep emotional conversation

711
00:32:04,920 --> 00:32:07,120
Speaker 2: with one of my male friends. It's it does not

712
00:32:07,200 --> 00:32:11,280
Speaker 2: happen very often, so you're just yeah, it's like you

713
00:32:11,360 --> 00:32:14,640
Speaker 2: just you channel all that, all that sadness and anxiety

714
00:32:14,680 --> 00:32:19,320
Speaker 2: into video games. But it was it's so nice to

715
00:32:19,360 --> 00:32:21,480
Speaker 2: have I can outlet where you can go and voice

716
00:32:22,120 --> 00:32:25,640
Speaker 2: those the anxiety and the stress and the fears you have.

717
00:32:26,040 --> 00:32:28,240
Speaker 2: And sometimes it's just saying it out loud. It is

718
00:32:28,440 --> 00:32:31,560
Speaker 2: enough to hear it and say, oh, well that doesn't

719
00:32:31,560 --> 00:32:33,560
Speaker 2: really make any sense. That was just all in my head.

720
00:32:34,000 --> 00:32:35,920
Speaker 2: And then with those that don't go away from saying that,

721
00:32:35,960 --> 00:32:37,480
Speaker 2: you have someone to bounce it off up and have

722
00:32:37,600 --> 00:32:40,360
Speaker 2: them kind of walk you through and break down maybe

723
00:32:40,400 --> 00:32:42,920
Speaker 2: why it is you feel these insecurities, Why is it

724
00:32:42,920 --> 00:32:45,520
Speaker 2: that you have this fear? And I think for that

725
00:32:45,520 --> 00:32:47,240
Speaker 2: that's probably been the number one thing and that's helped

726
00:32:47,240 --> 00:32:50,040
Speaker 2: me through this. Just went last night and talked about

727
00:32:50,040 --> 00:32:51,920
Speaker 2: some of my stresses that I'm already having with you know,

728
00:32:51,960 --> 00:32:54,560
Speaker 2: the first month of making this transition. I think that's

729
00:32:54,560 --> 00:32:57,080
Speaker 2: like the biggest key for me was making that transition

730
00:32:57,120 --> 00:32:58,680
Speaker 2: to uh doing some therapy.

731
00:32:59,480 --> 00:33:01,920
Speaker 1: I love that. Yeah, I mean I can't talk about

732
00:33:01,960 --> 00:33:04,200
Speaker 1: therapy enough in terms of you know, you want to

733
00:33:04,200 --> 00:33:07,480
Speaker 1: talk about an emergency fund. For me, therapy is my

734
00:33:07,520 --> 00:33:10,840
Speaker 1: mental health emergency fund. It's like you may not need it,

735
00:33:10,880 --> 00:33:13,840
Speaker 1: I go. I finally started going bi weekly. I'd been

736
00:33:13,880 --> 00:33:17,840
Speaker 1: going weekly for two years, and for me, it's like

737
00:33:17,920 --> 00:33:20,800
Speaker 1: I may not need it, but I knew when I

738
00:33:20,840 --> 00:33:22,320
Speaker 1: needed it, at least I would have it, you know,

739
00:33:22,360 --> 00:33:25,080
Speaker 1: I'd have that Thursday call and I wouldn't have to

740
00:33:25,120 --> 00:33:27,200
Speaker 1: go find someone or I wouldn't have to go through

741
00:33:27,240 --> 00:33:31,040
Speaker 1: a tough time by myself. And it's been such a

742
00:33:31,040 --> 00:33:33,480
Speaker 1: worthy investment. I'm so so glad that you mentioned that.

743
00:33:34,560 --> 00:33:37,080
Speaker 1: One thing that I added on top of regular talk

744
00:33:37,160 --> 00:33:40,959
Speaker 1: therapy is I started working with a business coach in

745
00:33:41,800 --> 00:33:45,040
Speaker 1: the end of November early December. Just had an initial

746
00:33:45,040 --> 00:33:47,480
Speaker 1: phone call. Really enjoyed it, and for me, it's almost

747
00:33:47,560 --> 00:33:51,360
Speaker 1: like a business therapy session in a way, because in

748
00:33:51,400 --> 00:33:56,360
Speaker 1: talk therapy, of course, there's you know, all the personal,

749
00:33:56,400 --> 00:34:00,680
Speaker 1: familial kind of challenges that you have as a human being.

750
00:34:01,320 --> 00:34:04,080
Speaker 1: I've come to really value the time with my business

751
00:34:04,080 --> 00:34:07,920
Speaker 1: coach because she really gets it, like he gets the

752
00:34:08,239 --> 00:34:10,880
Speaker 1: particular anxieties. I'm not trying to give you one more

753
00:34:10,920 --> 00:34:14,680
Speaker 1: thing to tack on. I'm just saying, especially for me

754
00:34:14,719 --> 00:34:19,239
Speaker 1: as I'm going moving pretty quickly, having that I just

755
00:34:19,280 --> 00:34:23,520
Speaker 1: met with her today for a session, and it's some

756
00:34:23,640 --> 00:34:26,440
Speaker 1: of it was just me saying out loud. I had

757
00:34:27,080 --> 00:34:29,200
Speaker 1: like a little freak out over the holidays, but I'm

758
00:34:29,239 --> 00:34:33,960
Speaker 1: better now and I'm ready to move forward.

759
00:34:34,680 --> 00:34:36,600
Speaker 2: Yeah, they come up to have that to my list.

760
00:34:37,080 --> 00:34:40,160
Speaker 2: You're not the first person tell me about the benefits

761
00:34:40,160 --> 00:34:42,280
Speaker 2: and the joy of having a business coach.

762
00:34:42,480 --> 00:34:44,160
Speaker 1: I know Verna loves her business coach.

763
00:34:44,360 --> 00:34:45,719
Speaker 2: Yes, she was one of the people who's told me

764
00:34:45,719 --> 00:34:47,840
Speaker 2: about about her business coach. And I'm like, yeah, that

765
00:34:47,880 --> 00:34:49,600
Speaker 2: does sound really nice.

766
00:34:49,920 --> 00:34:52,640
Speaker 1: It's useful. You know. I'm only a few sessions and

767
00:34:52,680 --> 00:34:55,040
Speaker 1: I have yet to like one hundred percent endorse it,

768
00:34:55,120 --> 00:34:58,319
Speaker 1: but so far, so useful at least someone to just

769
00:34:58,360 --> 00:35:00,200
Speaker 1: like cheer you on, you know what I mean. But

770
00:35:00,239 --> 00:35:02,560
Speaker 1: also these like I feel like I could also call

771
00:35:02,600 --> 00:35:04,000
Speaker 1: you up and we could have like even if you

772
00:35:04,120 --> 00:35:05,880
Speaker 1: just like That's what I'm saying, like pulling these levers

773
00:35:05,920 --> 00:35:09,080
Speaker 1: of having colleagues and peers in our space. I haven't

774
00:35:09,120 --> 00:35:11,000
Speaker 1: actually called you guys up, but why don't I call

775
00:35:11,040 --> 00:35:12,359
Speaker 1: you up once in a while. Like, hey, Chris, I'm

776
00:35:12,400 --> 00:35:13,239
Speaker 1: freaking out about this.

777
00:35:13,320 --> 00:35:13,920
Speaker 2: What did you do?

778
00:35:14,480 --> 00:35:16,640
Speaker 1: You know, like we can do that. I think that

779
00:35:16,719 --> 00:35:20,160
Speaker 1: that's a really beautiful thing about building these interpersonal you know,

780
00:35:20,719 --> 00:35:24,280
Speaker 1: friendships and relationships with and I think for anyone listening,

781
00:35:24,320 --> 00:35:27,520
Speaker 1: if you're thinking about launching a business, or you're already

782
00:35:27,520 --> 00:35:30,239
Speaker 1: doing your side hustle you're wanting to transition, it's who

783
00:35:30,239 --> 00:35:32,279
Speaker 1: do you know who's in the same headspace you are

784
00:35:32,800 --> 00:35:36,760
Speaker 1: doing the thing you know, and who kids it and

785
00:35:37,320 --> 00:35:41,400
Speaker 1: leaning on them and reaching out to them for that support.

786
00:35:41,440 --> 00:35:42,480
Speaker 1: It's really powerful.

787
00:35:42,960 --> 00:35:44,839
Speaker 2: Yeah, it really is. I think it does take being

788
00:35:44,880 --> 00:35:46,799
Speaker 2: a little vulnerable, and I think that's why sometimes it's

789
00:35:46,800 --> 00:35:50,040
Speaker 2: hard to do just like to say to someone else, hey,

790
00:35:50,280 --> 00:35:52,640
Speaker 2: I'm really freaking out because you and I know, for me,

791
00:35:52,719 --> 00:35:53,840
Speaker 2: I kind of have that I want to have that

792
00:35:53,880 --> 00:35:56,280
Speaker 2: put together appear. It's like, oh yeah, Chris is called

793
00:35:56,600 --> 00:35:59,040
Speaker 2: he he's got this where in the Endsime'm just like

794
00:35:59,080 --> 00:36:01,719
Speaker 2: freaking out. You know, it's hard to let that out

795
00:36:01,760 --> 00:36:04,080
Speaker 2: and let people see, oh, hey, you know they're struggling

796
00:36:04,080 --> 00:36:06,200
Speaker 2: because the things they're frobmly struggling too, right.

797
00:36:07,520 --> 00:36:09,759
Speaker 1: Please yeah go I went on doctor Phil once. I

798
00:36:09,840 --> 00:36:11,600
Speaker 1: don't have it made in the shade, like come on,

799
00:36:12,560 --> 00:36:15,080
Speaker 1: and even that was so random. It's the it's the

800
00:36:15,239 --> 00:36:17,200
Speaker 1: those are that's like the little sprinkles, you know, but

801
00:36:17,360 --> 00:36:19,960
Speaker 1: like baking the cake and the foundation, you know that

802
00:36:20,120 --> 00:36:23,000
Speaker 1: stuff is. That's the grunt work. It's the fact that

803
00:36:23,120 --> 00:36:25,319
Speaker 1: we wake up in the morning, we go to our

804
00:36:25,400 --> 00:36:29,520
Speaker 1: desks and we create business for ourselves from scratch.

805
00:36:29,880 --> 00:36:30,080
Speaker 2: You know.

806
00:36:30,920 --> 00:36:35,800
Speaker 1: That takes guts and it takes and it's not easy.

807
00:36:36,040 --> 00:36:38,040
Speaker 1: Not every day you're not motivated, you know.

808
00:36:39,520 --> 00:36:39,560
Speaker 3: It.

809
00:36:41,680 --> 00:36:44,520
Speaker 1: I'm not. I don't take myself seriously at all. I will.

810
00:36:45,520 --> 00:36:47,920
Speaker 1: I just don't have time for it. Like why pretend?

811
00:36:48,080 --> 00:36:50,400
Speaker 1: It takes too much energy to pretend to have it

812
00:36:50,480 --> 00:36:50,960
Speaker 1: all together?

813
00:36:51,160 --> 00:36:52,960
Speaker 2: You know, it really does. I was like, I don't

814
00:36:52,960 --> 00:36:56,640
Speaker 2: got the energy to fake them. I'm doing amazing every

815
00:36:56,680 --> 00:36:58,560
Speaker 2: single day. It's just too much. You're gonna break down.

816
00:36:59,239 --> 00:37:02,480
Speaker 1: Yeah, exactly, I'm gonna. I'm struggling to on top of

817
00:37:02,560 --> 00:37:04,680
Speaker 1: my business goals. I want to lose fifty pounds this year,

818
00:37:04,760 --> 00:37:07,400
Speaker 1: and I'm like, I'm right there, like do I need

819
00:37:07,440 --> 00:37:09,360
Speaker 1: weight Watchers? What do I need? I'm following people on

820
00:37:09,440 --> 00:37:13,640
Speaker 1: TikTok like you know, plus a baby, like come on,

821
00:37:13,960 --> 00:37:18,680
Speaker 1: it's just plus a pandemic. Like really, I just.

822
00:37:18,680 --> 00:37:19,719
Speaker 3: Saw someone last night.

823
00:37:19,880 --> 00:37:22,000
Speaker 2: They said that I think they did like a survey

824
00:37:22,080 --> 00:37:25,440
Speaker 2: of the generations and their weight gain. I think the

825
00:37:25,520 --> 00:37:28,840
Speaker 2: millennial age range it's about. They said forty one pounds

826
00:37:28,960 --> 00:37:30,960
Speaker 2: was the average weight gain for people who responded to

827
00:37:31,040 --> 00:37:31,480
Speaker 2: the survey.

828
00:37:31,640 --> 00:37:33,439
Speaker 1: Oh my god, that makes me soul so much better.

829
00:37:36,239 --> 00:37:42,719
Speaker 1: Ever been forty pound club A? Yes, and it's I'm glad,

830
00:37:42,840 --> 00:37:47,960
Speaker 1: thank goodness, because I man, it was I could blame

831
00:37:48,000 --> 00:37:50,080
Speaker 1: the baby, but it wasn't the baby. It was the pandemic.

832
00:37:50,280 --> 00:37:53,359
Speaker 1: And being on being a business owner, I only make

833
00:37:53,400 --> 00:37:55,520
Speaker 1: money of my butts in this chair most of the time.

834
00:37:55,600 --> 00:38:00,440
Speaker 1: I mean, hopefully that'll change. Yeah, So bake into my

835
00:38:00,480 --> 00:38:02,960
Speaker 1: twenty twenty two goals is like that self care element

836
00:38:03,080 --> 00:38:07,440
Speaker 1: and I only I. I was driving yesterday and I

837
00:38:07,560 --> 00:38:08,880
Speaker 1: was like, man, I really want to like take a

838
00:38:08,920 --> 00:38:10,960
Speaker 1: walk in the morning, but my first call the day

839
00:38:11,040 --> 00:38:13,080
Speaker 1: is always at nine o'clock, right after daycare drop off.

840
00:38:13,120 --> 00:38:15,040
Speaker 1: I don't have time. And then I was like, why

841
00:38:15,080 --> 00:38:17,720
Speaker 1: don't you ask your boss to like move your calls

842
00:38:17,719 --> 00:38:19,919
Speaker 1: in the morning. And I'm like, but I'm the boss, Yeah,

843
00:38:20,040 --> 00:38:25,719
Speaker 1: exactly exactly. Why am I creating a like I was.

844
00:38:25,840 --> 00:38:28,520
Speaker 1: I realized I was creating a rigid nine to five

845
00:38:28,560 --> 00:38:31,880
Speaker 1: schedule for myself, And isn't that why we left that world?

846
00:38:32,320 --> 00:38:34,200
Speaker 3: Exactly? But it's hard not to write that's what we know,

847
00:38:34,360 --> 00:38:35,080
Speaker 3: that's what we know, that.

848
00:38:35,160 --> 00:38:39,800
Speaker 1: That routine exactly. So that's one thing I am starting.

849
00:38:39,880 --> 00:38:42,600
Speaker 1: I'm a little bit but I have. I've already kind

850
00:38:42,640 --> 00:38:44,800
Speaker 1: of let January get away, but I am I have

851
00:38:45,000 --> 00:38:51,200
Speaker 1: to make the time for that physical moving yeah, cause

852
00:38:51,200 --> 00:38:52,680
Speaker 1: it's just not going to happen. I mean, I'm looking

853
00:38:52,680 --> 00:38:55,440
Speaker 1: at my peloton right there. She's not calling to me

854
00:38:55,520 --> 00:38:56,760
Speaker 1: in any particular way.

855
00:38:56,960 --> 00:39:00,520
Speaker 2: Like to get you know, but as me to look

856
00:39:00,560 --> 00:39:02,400
Speaker 2: in the corner at my peloton that's sitting over there

857
00:39:02,440 --> 00:39:04,279
Speaker 2: with a nice, you know, six months layer desk that

858
00:39:04,360 --> 00:39:06,560
Speaker 2: I've let accumulate on this next one.

859
00:39:06,840 --> 00:39:10,160
Speaker 1: No, I started with five. I started with ten minute rides,

860
00:39:10,280 --> 00:39:12,120
Speaker 1: got me back in, got me on a saddle.

861
00:39:12,360 --> 00:39:13,840
Speaker 3: I need to do it. I needed to say. Just

862
00:39:14,040 --> 00:39:16,120
Speaker 3: that's the thing. It's like, you know you can do it.

863
00:39:16,360 --> 00:39:18,200
Speaker 2: It's just and you know it doesn't have to be forever,

864
00:39:18,360 --> 00:39:21,000
Speaker 2: but it's just the mental hurdle you have to get

865
00:39:21,040 --> 00:39:23,000
Speaker 2: over just to make that one step to walk over

866
00:39:23,120 --> 00:39:25,759
Speaker 2: there and do whatever, even just go outside and go

867
00:39:25,800 --> 00:39:27,600
Speaker 2: for a walk. You just have to get yourself to

868
00:39:27,640 --> 00:39:28,799
Speaker 2: do it. And once you do, it's like, oh, that's

869
00:39:28,840 --> 00:39:29,279
Speaker 2: not that bad.

870
00:39:30,680 --> 00:39:32,800
Speaker 1: But it has to. But it's like, we need that

871
00:39:32,960 --> 00:39:35,920
Speaker 1: energy for the businesses that we're creating. I'm with you,

872
00:39:36,040 --> 00:39:39,160
Speaker 1: I am. I'm on the forty plus pound team. That's

873
00:39:39,239 --> 00:39:41,520
Speaker 1: how much I've gained in the pandemic. And I really

874
00:39:41,640 --> 00:39:45,480
Speaker 1: want to just for myself. You know, it's not even

875
00:39:45,480 --> 00:39:47,600
Speaker 1: about losing that number of pounds. My goal is fifty

876
00:39:47,640 --> 00:39:50,560
Speaker 1: for the year. And so if you want to start

877
00:39:50,600 --> 00:39:54,880
Speaker 1: some kind of like podcast, business owner, weight loss club,

878
00:39:55,040 --> 00:39:57,640
Speaker 1: like whatever, accountability partner you know, I got you.

879
00:39:58,120 --> 00:40:00,759
Speaker 3: Yeah, I think I need the accountabilitycause clearly not working

880
00:40:00,800 --> 00:40:02,680
Speaker 3: for me on my own. Yeah.

881
00:40:03,360 --> 00:40:05,480
Speaker 1: Did you know that you can expense your business next

882
00:40:06,480 --> 00:40:08,080
Speaker 1: you can count it as a business expense.

883
00:40:08,960 --> 00:40:10,680
Speaker 3: See, I don't That's information I didn't need to know.

884
00:40:11,000 --> 00:40:13,840
Speaker 1: Don't come to me for your shoddy business tax advice.

885
00:40:14,200 --> 00:40:15,919
Speaker 1: It's just things I heard on the street. Chris.

886
00:40:15,960 --> 00:40:18,799
Speaker 2: Okay, Now, I don't want to take all these tips

887
00:40:18,840 --> 00:40:21,520
Speaker 2: and then I'm the one getting IRS letters a few weeks.

888
00:40:21,560 --> 00:40:24,600
Speaker 1: Okay, just don't tell them that Bndy Money told you. Yeah,

889
00:40:24,640 --> 00:40:27,719
Speaker 1: that's Mandy Money Media LLC. Yes, tax number, I D number.

890
00:40:27,760 --> 00:40:30,320
Speaker 1: But I could talk to you all day about this.

891
00:40:35,400 --> 00:40:37,520
Speaker 1: We are back. I feel like people will listen to

892
00:40:37,600 --> 00:40:39,800
Speaker 1: this and if you're like, what what kind of words

893
00:40:39,840 --> 00:40:41,840
Speaker 1: do you have for someone who's in their nine to

894
00:40:41,920 --> 00:40:44,320
Speaker 1: five job right now? They're maybe listening to this feeling

895
00:40:44,400 --> 00:40:49,200
Speaker 1: inspired about their side business. You got there five years

896
00:40:49,280 --> 00:40:52,560
Speaker 1: in from popcorn finance, starting where you are now transitioning out?

897
00:40:54,400 --> 00:40:54,440
Speaker 2: What?

898
00:40:55,000 --> 00:40:57,479
Speaker 1: Yeah, what what kind of advice would you have would

899
00:40:57,480 --> 00:40:59,160
Speaker 1: you give them if they feel like, oh, I'm going

900
00:40:59,239 --> 00:41:01,560
Speaker 1: to be doing this like juggling act forever and never

901
00:41:01,680 --> 00:41:03,560
Speaker 1: really go fully independent.

902
00:41:04,239 --> 00:41:04,399
Speaker 3: Oh.

903
00:41:04,840 --> 00:41:07,359
Speaker 2: I mean, it's a tough feeling. It's one of those

904
00:41:07,400 --> 00:41:10,560
Speaker 2: things where I kind of thought for a while, like

905
00:41:10,719 --> 00:41:12,360
Speaker 2: am I going to transition? Am I going to be

906
00:41:12,480 --> 00:41:14,440
Speaker 2: just it is just always going to be a side thing.

907
00:41:15,120 --> 00:41:18,279
Speaker 2: And I would say, I, for one, make sure the

908
00:41:18,360 --> 00:41:19,960
Speaker 2: thing you're doing on the side that it also is

909
00:41:20,120 --> 00:41:22,040
Speaker 2: bringing you some type of joy. I think it's so

910
00:41:22,239 --> 00:41:24,360
Speaker 2: hard to work something on the side in addition to

911
00:41:24,400 --> 00:41:26,440
Speaker 2: a day job that's maybe draining you. So then come

912
00:41:26,480 --> 00:41:28,800
Speaker 2: home and do something that's also sucking all of the

913
00:41:28,880 --> 00:41:30,880
Speaker 2: life out of you and enjoy and a little bit

914
00:41:30,880 --> 00:41:33,600
Speaker 2: of joy you've left yourself. That's taking it as well.

915
00:41:34,440 --> 00:41:37,879
Speaker 2: So finding something, finding some way to enjoy what you're

916
00:41:37,920 --> 00:41:39,440
Speaker 2: doing on the side as well, because I think that

917
00:41:39,560 --> 00:41:42,200
Speaker 2: helps with the ability to keep it going because it's

918
00:41:42,200 --> 00:41:44,080
Speaker 2: not gonna be overnight. You know, there's those people on

919
00:41:44,239 --> 00:41:46,640
Speaker 2: TikTok who somehow, you know, they spent five minutes after

920
00:41:46,680 --> 00:41:48,400
Speaker 2: work one day and now they got twelve million dollars.

921
00:41:48,440 --> 00:41:51,200
Speaker 2: You know, I'm sure they're lying, but there's no stories

922
00:41:51,239 --> 00:41:56,120
Speaker 2: which really don't happen. Bro Crypto, I took all my

923
00:41:56,239 --> 00:41:58,600
Speaker 2: kids college money and daycare money and throw it in

924
00:41:58,640 --> 00:42:01,080
Speaker 2: the bigcoin and now look at me. But you know,

925
00:42:01,239 --> 00:42:04,759
Speaker 2: those stories really aren't the norm at all. It's gonna

926
00:42:04,760 --> 00:42:06,600
Speaker 2: take a while. It's a journey, so you have to

927
00:42:06,680 --> 00:42:09,719
Speaker 2: be kind to yourself in that journey and find ways

928
00:42:09,760 --> 00:42:12,480
Speaker 2: to enjoy it. And like you were saying, Mandy, like

929
00:42:12,680 --> 00:42:14,400
Speaker 2: connect with people around you. I think that was one

930
00:42:14,440 --> 00:42:16,440
Speaker 2: of the biggest things that helped me was talking to

931
00:42:16,640 --> 00:42:19,840
Speaker 2: other people who were doing something similar and instead of

932
00:42:19,840 --> 00:42:22,040
Speaker 2: seeing them as competition, seeing them as people. I could

933
00:42:22,120 --> 00:42:24,160
Speaker 2: they're my new coworkers. These are the people I want

934
00:42:24,200 --> 00:42:27,320
Speaker 2: to grow and learn with, and so finding that network

935
00:42:27,360 --> 00:42:30,160
Speaker 2: of people just going online, you can go to different

936
00:42:30,200 --> 00:42:33,120
Speaker 2: you know what I mean. I don't even people use

937
00:42:33,120 --> 00:42:37,000
Speaker 2: Facebook anymore, but there's Facebook groups, you know, There's all

938
00:42:37,040 --> 00:42:40,239
Speaker 2: these other online communities that pop up. There's conferences that

939
00:42:40,520 --> 00:42:42,600
Speaker 2: probably are virtual right now, but there's ways to connect

940
00:42:42,640 --> 00:42:44,600
Speaker 2: with other people who are doing something similar to you.

941
00:42:45,239 --> 00:42:48,520
Speaker 2: And that's going to be so helpful and moving forward, growing,

942
00:42:48,719 --> 00:42:50,879
Speaker 2: learning and not just kind of staying in the spot

943
00:42:51,000 --> 00:42:52,360
Speaker 2: where you are. So I think that's the biggest thing

944
00:42:52,440 --> 00:42:54,640
Speaker 2: for me is finding some joy in the work that

945
00:42:54,680 --> 00:42:57,320
Speaker 2: I was doing that gave me some hope for some

946
00:42:57,400 --> 00:42:59,560
Speaker 2: things I can look forward to later on. And then

947
00:42:59,560 --> 00:43:01,719
Speaker 2: also anecting with other people who can I who I

948
00:43:01,719 --> 00:43:03,600
Speaker 2: can grow with and learn from, and also you know,

949
00:43:03,920 --> 00:43:06,600
Speaker 2: tell my stress to and then get a little.

950
00:43:06,400 --> 00:43:06,920
Speaker 3: Bit of release.

951
00:43:08,040 --> 00:43:10,480
Speaker 1: Yeah, I mean, my heart goes out to nine to

952
00:43:10,600 --> 00:43:13,279
Speaker 1: five Purneurs. I mean, that was me for so long,

953
00:43:13,960 --> 00:43:19,360
Speaker 1: and all I can say is, don't just remember that

954
00:43:19,440 --> 00:43:21,560
Speaker 1: you are a business owner, even if you're an if,

955
00:43:21,600 --> 00:43:24,000
Speaker 1: even if you're not a nine to five business owner,

956
00:43:24,040 --> 00:43:26,680
Speaker 1: you are a five to ten business owner. You know,

957
00:43:26,840 --> 00:43:31,040
Speaker 1: you are out there juggling and found something that brings

958
00:43:31,080 --> 00:43:33,600
Speaker 1: you income but also passion, and you are turning that

959
00:43:33,680 --> 00:43:36,840
Speaker 1: into a business. I mean, just having faith and not

960
00:43:36,960 --> 00:43:39,560
Speaker 1: being afraid to say the words out loud. Sometimes what

961
00:43:39,719 --> 00:43:42,160
Speaker 1: holds us back from connecting with people is like, but

962
00:43:42,280 --> 00:43:44,600
Speaker 1: am I on their level? Am I A? Am I

963
00:43:44,960 --> 00:43:46,560
Speaker 1: an X y Z am I really?

964
00:43:46,719 --> 00:43:46,759
Speaker 2: Like?

965
00:43:47,200 --> 00:43:48,960
Speaker 1: Can I call myself that? You know, having a bit

966
00:43:49,000 --> 00:43:51,000
Speaker 1: of like imposter syndrome in that way because you may

967
00:43:51,040 --> 00:43:52,759
Speaker 1: not feel like you deserve to be in the same

968
00:43:52,840 --> 00:43:55,719
Speaker 1: space because you only do it part time, but one

969
00:43:55,840 --> 00:43:58,440
Speaker 1: hundred percent you do. It's like the more you talk

970
00:43:58,520 --> 00:43:59,920
Speaker 1: to others, the more you talk about what you do,

971
00:44:00,239 --> 00:44:01,040
Speaker 1: it becomes real.

972
00:44:01,560 --> 00:44:01,719
Speaker 3: You know.

973
00:44:02,040 --> 00:44:06,120
Speaker 1: The more I said Mandy money Media LLC, I just

974
00:44:06,400 --> 00:44:08,920
Speaker 1: I mean I woke up and decided to do it,

975
00:44:09,120 --> 00:44:10,759
Speaker 1: and I just kept saying it and saying it, and

976
00:44:10,840 --> 00:44:14,200
Speaker 1: now I am it. You know, I am doing it.

977
00:44:15,560 --> 00:44:19,279
Speaker 1: And to talk about earnings goals before you go independent.

978
00:44:19,760 --> 00:44:22,520
Speaker 1: I like to talk with my coaching clients and my

979
00:44:22,600 --> 00:44:26,680
Speaker 1: career and money coaching clients about having an actual like

980
00:44:26,760 --> 00:44:29,320
Speaker 1: what are the numbers actually say? You know, in terms

981
00:44:29,360 --> 00:44:31,160
Speaker 1: of what do you need to live on for X

982
00:44:31,280 --> 00:44:34,440
Speaker 1: number of months, and then some people find they already

983
00:44:34,440 --> 00:44:35,880
Speaker 1: have it in the bank. Some people find that they

984
00:44:35,880 --> 00:44:38,480
Speaker 1: were further along that they thought they were. But I

985
00:44:38,680 --> 00:44:40,480
Speaker 1: liked what you said about you know, I put a

986
00:44:40,520 --> 00:44:43,239
Speaker 1: goal on twelve months of in common. When I hit

987
00:44:43,360 --> 00:44:46,560
Speaker 1: that goal, I was like, I mean you the number.

988
00:44:46,680 --> 00:44:49,800
Speaker 1: Sometimes they have a way of breaking through our mental

989
00:44:50,280 --> 00:44:53,080
Speaker 1: our anxious hang ups are like, you know, cause it's like,

990
00:44:53,160 --> 00:44:55,320
Speaker 1: but the numbers say I can, So why am I

991
00:44:55,400 --> 00:44:59,440
Speaker 1: telling myself I can't anymore? And then having those personal

992
00:44:59,520 --> 00:45:01,640
Speaker 1: connections to root for you and just push you over

993
00:45:01,719 --> 00:45:03,600
Speaker 1: the edge, you know, just get you across that finish

994
00:45:03,640 --> 00:45:06,759
Speaker 1: line and get you on can just help as well.

995
00:45:08,080 --> 00:45:11,600
Speaker 1: But yeah, I guess that's my big advice is keep going,

996
00:45:12,200 --> 00:45:14,440
Speaker 1: say the words out loud. I own this business. I

997
00:45:14,640 --> 00:45:16,880
Speaker 1: am doing this. Tell people about it as long as

998
00:45:16,920 --> 00:45:20,680
Speaker 1: it's safe for you to tell people about it, connect

999
00:45:20,719 --> 00:45:24,520
Speaker 1: with other people. Set financial goals for yourself to when

1000
00:45:24,560 --> 00:45:27,200
Speaker 1: you can actually break a break free. A lot of

1001
00:45:27,200 --> 00:45:29,240
Speaker 1: people are worried about healthcare. What are you doing for healthcare?

1002
00:45:29,280 --> 00:45:32,160
Speaker 3: Real quick before we have to go, I'm going to

1003
00:45:32,200 --> 00:45:33,640
Speaker 3: be so I'm still working part times.

1004
00:45:33,680 --> 00:45:35,160
Speaker 2: I could keep my health insurance for a little while,

1005
00:45:35,200 --> 00:45:37,960
Speaker 2: then I'll roll on the camera and then that gives

1006
00:45:38,000 --> 00:45:40,600
Speaker 2: me eighteen months of continuing my health insurance at my

1007
00:45:40,640 --> 00:45:43,560
Speaker 2: own expense. And then after that I got I rolled

1008
00:45:43,560 --> 00:45:46,680
Speaker 2: onto the exchange, which thankfully California is exchange is pretty good,

1009
00:45:46,800 --> 00:45:49,800
Speaker 2: so I'm hopeful, and it's about the same price, so

1010
00:45:50,280 --> 00:45:51,839
Speaker 2: you know, but now it's like I have to count

1011
00:45:51,880 --> 00:45:54,160
Speaker 2: for this much larger line item called health insurance than

1012
00:45:54,200 --> 00:45:54,760
Speaker 2: I did before.

1013
00:45:55,680 --> 00:45:58,080
Speaker 1: Yes, but it becomes a line item. And I talk

1014
00:45:58,120 --> 00:45:59,800
Speaker 1: to women about that too. I'm like, well, they're like

1015
00:45:59,840 --> 00:46:01,480
Speaker 1: a afraid of the cost of health career, and I'm like,

1016
00:46:01,520 --> 00:46:03,520
Speaker 1: maybe done the math. You know, what's the cost. You

1017
00:46:03,600 --> 00:46:05,920
Speaker 1: may qualify for subsidies or you know, it may be

1018
00:46:06,040 --> 00:46:08,560
Speaker 1: just as expensive as you think. But when you add

1019
00:46:08,600 --> 00:46:10,879
Speaker 1: that up, it becomes another budget expense. It becomes part

1020
00:46:10,960 --> 00:46:13,120
Speaker 1: of your plan. You just have to you know, that

1021
00:46:13,320 --> 00:46:15,400
Speaker 1: goes into your twelvemonth what I need to save up

1022
00:46:15,440 --> 00:46:17,840
Speaker 1: before I launch. You know, I'm glad I asked that

1023
00:46:17,920 --> 00:46:20,520
Speaker 1: because that is like so many people's hang up and

1024
00:46:20,719 --> 00:46:23,200
Speaker 1: I have it easy. As I've talked about on the show.

1025
00:46:23,239 --> 00:46:25,440
Speaker 1: My husband still works nine to five, so I just

1026
00:46:25,480 --> 00:46:28,600
Speaker 1: piggyback off of his insurance, which is a privilege. One

1027
00:46:28,680 --> 00:46:32,920
Speaker 1: hundred percent understand that. But cobra is a thing. One

1028
00:46:32,960 --> 00:46:36,120
Speaker 1: of my clients took a hiatus from her work where

1029
00:46:36,160 --> 00:46:38,600
Speaker 1: she's taking an unpaid leave of absence, but she keeps

1030
00:46:38,640 --> 00:46:41,160
Speaker 1: her health care while she I'm not gonna put her

1031
00:46:41,160 --> 00:46:43,239
Speaker 1: in out thesh while she's job searching for something else.

1032
00:46:45,280 --> 00:46:49,040
Speaker 1: But there's ways to stretch, you know, stretch that healthcare.

1033
00:46:50,000 --> 00:46:50,680
Speaker 3: Yeah, well.

1034
00:46:53,120 --> 00:46:56,120
Speaker 1: Yeah, I mean there's so many scary things, but it's

1035
00:46:56,200 --> 00:47:01,040
Speaker 1: scarier to not do it and to always wonder, example,

1036
00:47:01,120 --> 00:47:04,440
Speaker 1: what if, Yeah, what if? And if I had just

1037
00:47:04,680 --> 00:47:07,880
Speaker 1: or I think, well, our stories have in common is

1038
00:47:07,920 --> 00:47:10,359
Speaker 1: you were working on popcorn for five years. I've been

1039
00:47:10,400 --> 00:47:12,719
Speaker 1: doing broad ambition for seven years, working for myself for

1040
00:47:12,760 --> 00:47:15,360
Speaker 1: over a decade, and I'm just starting. I just started

1041
00:47:15,400 --> 00:47:18,759
Speaker 1: being independent, you know, seven eight months ago, and it's

1042
00:47:19,800 --> 00:47:23,279
Speaker 1: it's it will take you time to get to a

1043
00:47:23,320 --> 00:47:26,200
Speaker 1: point where you're ready to go full time independent, but

1044
00:47:26,320 --> 00:47:28,040
Speaker 1: it takes even longer if you don't ever start.

1045
00:47:28,600 --> 00:47:32,840
Speaker 3: Yeah, exactly exactly, you know, So thank you.

1046
00:47:32,920 --> 00:47:34,880
Speaker 1: So much for joining me, Chris. This has been a

1047
00:47:35,000 --> 00:47:38,399
Speaker 1: really like I don't know, I just feel so much

1048
00:47:38,440 --> 00:47:40,839
Speaker 1: better having talked to you and sharing a little bit

1049
00:47:40,920 --> 00:47:44,840
Speaker 1: of the realities of this new baby entrepreneur life that

1050
00:47:44,880 --> 00:47:45,080
Speaker 1: I have.

1051
00:47:46,200 --> 00:47:48,320
Speaker 2: Yeah, same, thank you, I've it is so nice to

1052
00:47:48,600 --> 00:47:51,120
Speaker 2: talk to someone else and and again say those figures

1053
00:47:51,160 --> 00:47:52,680
Speaker 2: out loud and make it just helps a little bit

1054
00:47:52,680 --> 00:47:54,080
Speaker 2: more every time I say it, and I'm like, yeah,

1055
00:47:54,320 --> 00:47:55,439
Speaker 2: it'll be fine, It'll be fine.

1056
00:47:55,680 --> 00:47:58,040
Speaker 3: That's so thanks. Thanks for the right here.

1057
00:47:58,480 --> 00:48:00,280
Speaker 1: Oh you're welcome. Can you just say for the record

1058
00:48:00,280 --> 00:48:02,000
Speaker 1: that you will not sue me for any shoddy tax

1059
00:48:02,080 --> 00:48:04,680
Speaker 1: advice that I gave you during this interview.

1060
00:48:05,239 --> 00:48:08,160
Speaker 3: Anything that Mandy said was for entertainment purposes only and

1061
00:48:08,360 --> 00:48:09,440
Speaker 3: is not tax advice.

1062
00:48:10,440 --> 00:48:14,640
Speaker 1: Thank you. Check all right, Chris. Best of luck in

1063
00:48:14,760 --> 00:48:16,759
Speaker 1: this new year. Okay, and I will I'll chat with

1064
00:48:16,840 --> 00:48:18,960
Speaker 1: you soon, but good luck with everything. I'm so excited

1065
00:48:19,000 --> 00:48:19,879
Speaker 1: for you on this new chapter.

1066
00:48:20,440 --> 00:48:23,040
Speaker 2: Oh, thank you, and you too. I feel so much pride.

1067
00:48:23,080 --> 00:48:26,399
Speaker 2: Every time I see your face come across my phone screen,

1068
00:48:26,440 --> 00:48:28,040
Speaker 2: I'm like, look a look at that. She's doing great.

1069
00:48:28,160 --> 00:48:28,759
Speaker 3: I love seeing it.

1070
00:48:29,560 --> 00:48:30,520
Speaker 1: Oh. Thanks, Bud.