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Speaker 1: What's up, guys. It's Brown Ambition Episode five.

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Speaker 2: So Mandy said, I can't say hey, hey hey anymore.

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Speaker 1: I just suggested nicely that perhaps she'd like to explore

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Speaker 1: a different way of introducing herself to the podcast we're on.

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Speaker 3: But I like, hey hey.

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Speaker 2: So if you don't want me to say hey hey anymore, then,

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Speaker 2: or if you do want me to say it, then

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Speaker 2: tweet us at the BA podcast on Twitter at the

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Speaker 2: BA podcast, and we're gonna take a vote.

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Speaker 3: Yay, hey, hey, hey, nay, hey hey.

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Speaker 1: Hey, Okay, fine, it's the democracy Twitter democracy. Well, let's

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Speaker 1: start to show you guys today. We have an amazingly

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Speaker 1: special show for you. This is not the Brown Ambition

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Speaker 1: you would come to.

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Speaker 3: Know so far.

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Speaker 1: We have a special guest you're not just gonna keep

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Speaker 1: hearing from us today. And her name what we call

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Speaker 1: her our fairy money godmother. Yes, she truly is Lynette

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Speaker 1: Califani Cox, aka the Money Coach. She is an amazing

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Speaker 1: personal finance expert. She's all over the television, she's all

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Speaker 1: over radio. She's authored more than a dozen books, including

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Speaker 1: a New York Times bestseller called Zero Debt, The Ultimate

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Speaker 1: Guide to Financial Freedom. Lynette has come back from having

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Speaker 1: one hundred thousand dollars in credit card debt to paying

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Speaker 1: it all up in three years. She now owns her

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Speaker 1: own company. She's owned it for well over a decade now.

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Speaker 1: She was a former correspondent at Wall Street Journal and

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Speaker 1: for CNBC.

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Speaker 2: She's been on opwah, The Big Oh of course, Yes, uh,

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Speaker 2: Steve Harvey, The Today Show, Good Morning America, Doctor Phil,

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Speaker 2: Doctor Oz. I mean, honestly, this is a woman who

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Speaker 2: has hit all of the benchmarks.

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Speaker 1: She is our hero, she's our Shiro, and we are

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Speaker 1: sharing her with you today and we just want this,

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Speaker 1: We want this podcast to be all about Lynette, because

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Speaker 1: she has so much wisdom and so much guidance, and

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Speaker 1: she literally gave us life, yes for these forty five

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Speaker 1: minutes that she was generous enough to speak with us. So,

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Speaker 1: without further ado, here's our interview with Lynette called Fani.

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Speaker 2: Cox Brown Ambition Family. We have an extra special guest

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Speaker 2: on today's.

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Speaker 1: Show, our fairy money godmother.

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Speaker 2: Yes, my mentor in my head, the awesome, the amazing,

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Speaker 2: the extraordinary, Lynette Califani Cox.

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Speaker 3: I'll pay you guys one hundred dollars, I promised later. Okay,

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Speaker 3: so you.

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Speaker 4: Know, it's so super fun what I do as a

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Speaker 4: money coach because I get to kind of geek.

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Speaker 3: Out about my favorite topic. I'm talking about money.

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Speaker 4: All day long and doing it through a variety of

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Speaker 4: different platforms. A huge part of what I do to

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Speaker 4: teach people about personal finances is to make it understandable

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Speaker 4: and fun and engaging and.

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Speaker 3: Just like the kind of stuff you talk to your

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Speaker 3: sister or your friend or your mom about.

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Speaker 4: And the media in all its you know, various formats

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Speaker 4: is one way that I can do just that.

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Speaker 1: So, Lenna, I know that you wound up at the

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Speaker 1: Wall Street Journal, and you were there for several years.

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Speaker 1: You were you had a recurring spot on CNBC as

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Speaker 1: their personal finance correspondent for a long time, and then

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Speaker 1: what happened you? Somehow, at some point you segued into

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Speaker 1: being this money mogul and owning your own business, building

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Speaker 1: your own brand, writing a dozen books. But can you

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Speaker 1: walk us back to how you transition from a nine

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Speaker 1: to five into the empire that you're building today?

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Speaker 3: Sure, what happened was that I got fired?

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Speaker 4: I mean, is there a delicate I mean, so I

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Speaker 4: was with dal Jones for about ten years.

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Speaker 3: I was I went through a whole bunch of jobs.

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Speaker 3: I was a bureau chief, I was a special writer

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Speaker 3: and reporter. I was a.

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Speaker 4: Deputy managing editor and Wall Street Journal reporter for CNBC.

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Speaker 4: So my last couple of years I was on air

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Speaker 4: at CNBC and my official title was Wall Street Journal

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Speaker 4: Report or for CNBC. But long story short, you know,

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Speaker 4: it was one of the first waves of downsizing in

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Speaker 4: the media business. And one day my boss came to

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Speaker 4: me and to you know, two hundred other people and said,

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Speaker 4: all you, you know, kind of six figure way journers, we

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Speaker 4: can't afford you anymore.

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Speaker 3: You gotta go buy figures.

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Speaker 1: Oh my god, this was a different era.

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Speaker 4: Yeah, it totally was so but you know, the long

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Speaker 4: and short of it is, I was like, oh.

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Speaker 3: It's not right, it's not fair. Hey wait, why me?

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Speaker 3: You know, I went through that whole thing.

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Speaker 4: And then one of my friends who's still at the

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Speaker 4: Journal today, Melanie Trumpman, and she was like, she was

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Speaker 4: like ever so gingerly trying to tell me, well, Lynette,

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Speaker 4: did you kind of always want to do your own

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Speaker 4: thing and maybe this is you know, a cue for

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Speaker 4: you to be an entrepreneur. And I was like, but

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Speaker 4: I didn't want it this way, you know, I wanted

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Speaker 4: to leave on my own terms, you know. So now

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Speaker 4: I tell people that, you know, when you leave corporate America,

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Speaker 4: it's typically with a feather or a baseball bat.

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Speaker 3: You know.

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Speaker 4: The feather is the nice party, the going away thing,

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Speaker 4: and like, oh, she's going on to greener pastures or

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Speaker 4: to retire, or to spend time with family or bigger

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Speaker 4: project whatever. But the baseball bat is kind of like bam,

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Speaker 4: they just hit you upside the head. You know, it's

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Speaker 4: like goodbye. So but long story short, I really loved

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Speaker 4: my time at Dawd Jones. And now I don't have

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Speaker 4: any complaints. I mean, you see me, I go on

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Speaker 4: CNBC all the time. Now, I did it probably about

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Speaker 4: five times this year. I'm still great friends over there,

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Speaker 4: no problems. But I transitioned because I was forced to,

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Speaker 4: and it turned out.

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Speaker 3: To be a blessing in disguise.

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Speaker 4: And I had my last day on air as a

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Speaker 4: full time correspondent. I was a daily television reporter at CNBC.

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Speaker 4: My last day on air was March first, two thousand

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Speaker 4: and three, and that very same month I started my company,

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Speaker 4: and so I made it work, you know, where's the

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Speaker 4: wood for me to knock on?

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Speaker 3: You know?

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Speaker 4: And I just really never looked back. It's been a

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Speaker 4: great ride ever since. And the twelve years now that

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Speaker 4: I've owned my business have been so much fun, so

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Speaker 4: amazingly surprising to me in terms of the opportunities that

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Speaker 4: I've had, the fun that I've had, and the freedom

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Speaker 4: that I've had, which is what I enjoyed most of all.

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Speaker 1: Now that sounds very nice, but I feel like starting

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Speaker 1: a business must be difficult. Was there anything that can

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Speaker 1: you take us, like to some real talk and what

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Speaker 1: were some of the challenges that you found. I know Tiffany,

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Speaker 1: obviously she's an entrepreneur, and you know she makes it

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Speaker 1: look easy, as you both do, but I know there

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Speaker 1: must be something. It can't be that easy.

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Speaker 3: A lot of ram and noodle nights.

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Speaker 4: And I'm not suggesting that there weren't hardships and that

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Speaker 4: it wasn't difficult at times, because frankly, it very much was.

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Speaker 4: In my case, I rated my four O one K,

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Speaker 4: which I would obviously not recommend that anybody do in

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Speaker 4: order to start a business and kind of get things going.

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Speaker 4: I was in an unhappy marriage at the time, and

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Speaker 4: I was you know, anticipating divorce, and I did obviously

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Speaker 4: in fact divorced later and I.

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Speaker 3: Subsequently remarried in two thousand and seven.

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Speaker 4: But for me, it was sort of financial pressures, you know,

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Speaker 4: loss of salary, going through a ton of money in

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Speaker 4: terms of my retirement savings, going through a crumbling marriage.

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Speaker 3: And trying to hold it all together. And I was

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Speaker 3: the only breadwinner in.

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Speaker 4: My family at the time because my ex husband, he

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Speaker 4: was still in school. What was frankly supposed to be

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Speaker 4: you know, kind of a five year program turned into

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Speaker 4: six years and seven and eight and nine and ten

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Speaker 4: and then eleven long years before he got his PhD.

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Speaker 4: So I was the only one working during that time period.

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Speaker 4: So yes, you know, the hardest part for me initially

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Speaker 4: was the transition from having a big brand name behind you.

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Speaker 4: Because let me tell you, when you say I'm coming

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Speaker 4: from the Wall Street Journal, people are gonna take your call.

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Speaker 4: When you you know, pick up the phone and say

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Speaker 4: you want to be interviewed on CNBC, it's like, how

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Speaker 4: quickly can I get there? And so after that, because

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Speaker 4: I knew I wanted to do the very same exact

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Speaker 4: things that I had been doing. I wanted to talk

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Speaker 4: about money. I wanted to write. I wanted to write books.

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Speaker 4: I wanted to teach people about money. I wanted to

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Speaker 4: be on TV and leverage my journalism background. It's easier

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Speaker 4: to do that when you have a big name behind

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Speaker 4: you and a brand and that kind of platform than

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Speaker 4: it is to establish the platform on your own. So

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Speaker 4: for me, that was probably the biggest challenge of it all.

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Speaker 4: And even through that, you know, there were trial and

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Speaker 4: many trials and errors. I feel like the first couple

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Speaker 4: books that I published, well, certainly the first one when

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Speaker 4: I did investing success, oh my god, I spent so

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Speaker 4: much money. I wasted, frankly, so much money. And I'm

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Speaker 4: glad that I learned the lessons though, because it really

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Speaker 4: made me appreciate having both sides of the equation, knowing

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Speaker 4: the traditional public world and knowing the self publishing world.

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Speaker 4: And again I looked out and that my husband happens

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Speaker 4: to be a book agent, and so he taught me

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Speaker 4: a lot of the ropes and showed me the things

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Speaker 4: that I was doing incorrectly and that could be modified

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Speaker 4: and improved upon, and the things that I could really

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Speaker 4: do well that would leverage my own skill set and

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Speaker 4: the things that I was, you know, just already kind

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Speaker 4: of passionate about where I had connections and how I

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Speaker 4: could sort of make one plus one equal three or four.

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Speaker 2: So you mentioned Earl. You know that he's your manager

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Speaker 2: as well as your husband. Mandy and I were just

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Speaker 2: both talking. We're both in long term relationships, and we

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Speaker 2: were both just fantasizing on how how that would look

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Speaker 2: with our booze and I just don't see it. I'm like,

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Speaker 2: how because when I first met this is a whole.

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Speaker 3: New This is how much ty we have. This is

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Speaker 3: a segment unto itself.

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Speaker 2: Ladies, Okay, what struck me when I first first met

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Speaker 2: you a few years ago is that when you mentioned

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Speaker 2: Earl then and even now, your faith lights up, you know,

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Speaker 2: And I just love that. And I'm like, wow, not

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Speaker 2: to say my face doesn't light up with boo but

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Speaker 2: it's been two years, so you know, we're still new.

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Speaker 3: So how do you maintain that?

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Speaker 2: How do you work together and still maintain this amazing relationship.

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Speaker 4: Earl is truly my best friend, I mean, and we

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Speaker 4: started off in a business capacity and I trusted him

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Speaker 4: with a lot of things to kind of manage some

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Speaker 4: things on the brand. Side for me to consult with me,

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Speaker 4: to teach me what I didn't know, and I was

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Speaker 4: always sort of attracted to the intellectual and creative side

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Speaker 4: of him, and I always felt like, Gosh, this is

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Speaker 4: somebody who I can and I like to learn a lot,

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Speaker 4: and so I'm sort of more naturally attracted to people who.

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Speaker 3: Teach me stuff.

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Speaker 4: But even beyond that, I would say, we really do

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Speaker 4: actively work at what is no question about it. The

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Speaker 4: number one thing to strengthen any relationship, and certainly any

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Speaker 4: romantic relationship, which is communication. So I've had so many

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Speaker 4: friends tell us because we have a home office and

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Speaker 4: we literally sit side by side, we have our two

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Speaker 4: macs set up, and some people have told me, in

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Speaker 4: no uncertain terms, I would jump off the roof, Okay,

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Speaker 4: I would slit my wrists if I had to work

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Speaker 4: with my husband or my boyfriend in business all day long.

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Speaker 4: And they were like, you guys are like in the house,

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Speaker 4: like all like twenty four to seven, you see each

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Speaker 4: other in your work, And I'm like, yeah, pretty much,

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Speaker 4: you know, so you really do.

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Speaker 3: Have to like the person.

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Speaker 4: But I will say this that since we were both

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Speaker 4: previously married, Earl was married like in the I don't know,

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Speaker 4: late eighties or nineties or something. You know, well before

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Speaker 4: I met him in two thousand and three, two thousand

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Speaker 4: and four time period. But he was in a bad marriage.

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Speaker 4: I frankly was in an unhappy marriage. And we have

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Speaker 4: so much gratitude now for having had a previous sort

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Speaker 4: of negative experience that we can appreciate each other. And

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Speaker 4: we were you know, we were older when we got married.

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Speaker 4: We you know, second time around.

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Speaker 3: Teaches you a lot.

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Speaker 4: You learn about yourself, You're a lot more mature. You

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Speaker 4: understand what you can tolerate and what you can't. You

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Speaker 4: know what your needs are, and you.

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Speaker 3: Learn a lot of lessons.

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Speaker 4: So I certainly don't put you know, everything for a

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Speaker 4: failed marriage in the past on my ex because I

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Speaker 4: know so much of what I did that contributed to

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Speaker 4: the deterioration of the marriage, et cetera. But I also

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Speaker 4: know now that I know what it takes to keep

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Speaker 4: a marriage together and to keep it healthy and strong,

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Speaker 4: And for us, a lot, a lot, a lot of

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Speaker 4: it is about communication. So many times, like when I

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Speaker 4: talk to my mother on the phone if I'm tired,

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Speaker 4: I'm like, oh, you know, Earl and I were up

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Speaker 4: it was like two o'clock in the morning, but we

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Speaker 4: were talking.

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Speaker 3: We were just talking in the bed and.

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Speaker 4: She's like, mmmm, y'all are talking and I'm like, no,

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Speaker 4: we were seriously like talking, you know. But we're like

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Speaker 4: always like bouncing off the you know, off the walls

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Speaker 4: with ideas, and you know, the passion is there because

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Speaker 4: we have the love interests, we have the partnership and

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Speaker 4: the sort of affinity factor for one another. There's a

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Speaker 4: tremendous amount of respect and we try to stay in

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Speaker 4: our own lanes. So you know, I had a photographer

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Speaker 4: once who met us, and you know, after he kind

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Speaker 4: of dealt with us for a couple of hours and

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Speaker 4: he asked.

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Speaker 3: Us a lot about our business.

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Speaker 4: He said, ah, I get it. He said, Lynnette you're

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Speaker 4: the Wow, and Earl you're the haw. And we were like, yeah,

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Speaker 4: that's pretty much it.

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Speaker 1: Well, I feel like as a writer and I run

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Speaker 1: into this too, I so very little want to acknowledge

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Speaker 1: that people may be underestimating, underestimating my abilities as a

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Speaker 1: woman of color, because I just you know, it's like

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Speaker 1: you said, when people tell you not to do something,

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Speaker 1: you just want to strive forward improve them wrong. And

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Speaker 1: I never really think, well, are they not believing in

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Speaker 1: me because of my color or is it just because

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Speaker 1: of my gender? Have you ever you know, when you

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Speaker 1: were going.

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Speaker 4: My god, totally, you know, Mandy, I experienced what you feel,

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Speaker 4: probably threefold because of the area of financial writing that

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Speaker 4: I was doing. Can you imagine me being, you know,

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Speaker 4: twenty seven years old writing for a Wall Street Journal

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Speaker 4: and Dow Jones and going to interview some investment bankers

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Speaker 4: on Wall Street from Merrill Lynch, JP, Morgan, Chase, Solomon Brothers,

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Speaker 4: talking to traders, investors, money managers, stockbrokers, investment analysts, and

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Speaker 4: nine times out of ten I walked in the room,

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Speaker 4: I was the only person of color, certainly frequently the

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Speaker 4: only woman. And I could just see, Okay, are they thinking, Hey,

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Speaker 4: who is this woman?

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Speaker 3: Who is this black woman? Who is this young black woman?

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Speaker 3: You know?

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Speaker 4: So in my head as a professional, I kind of

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Speaker 4: always wanted to be older than I was, just to

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Speaker 4: like eliminate that part of it, that part of the

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Speaker 4: trifecta that was like a negative, you know. And so

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Speaker 4: it was so funny because when I started, you know,

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Speaker 4: when I dated Earle and I, you know, we got

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Speaker 4: married and everything, and I was like, oh, you know.

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Speaker 4: I was telling him things like oh, I can't wait

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Speaker 4: to turn forty, and he was like, Lynette, slow your role,

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Speaker 4: trust me, he said, I'm five years ahead of you.

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Speaker 4: I know you're saying this right now, but it gets

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Speaker 4: different and you're gonna And it didn't happen until I

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Speaker 4: was about maybe forty three forty four that I was like, oh, okay,

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Speaker 4: I see what he's talking about. I was like, gosh,

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Speaker 4: my eyes. I was like, I've never worn glasses. Do

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Speaker 4: I like need glasses now? And I was like, what's

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Speaker 4: going on with my body?

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Speaker 1: Come?

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Speaker 3: My body is changing so much?

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Speaker 1: And you know, I so identify though with that feeling

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Speaker 1: like you just want you wish you were older, Like

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Speaker 1: when I was just starting on as a reporter and

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Speaker 1: I was you know, you know, I so identified talking

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Speaker 1: to the stockburgers and traders and even now wealth managers.

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Speaker 3: YEP.

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Speaker 1: I wish my voice was deeper. I wish that I

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Speaker 1: were older. I wish I sounded more professional, and eventually

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Speaker 1: I just you know, I'm still working on it, but

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Speaker 1: I just try and tell myself to just stop thinking

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Speaker 1: about it, fake it.

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Speaker 3: Time, make it, and honestly, that's what you have to do.

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Speaker 4: You just have to kind of get over yourself and

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Speaker 4: understand that if somebody is going to have those kind

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Speaker 4: of preconceived notions and prejudices and sort of misconceptions about

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Speaker 4: your capabilities, all you need to do is shine.

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Speaker 3: All you need to do is be excellent. All you

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Speaker 3: need to.

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Speaker 4: Do is write copy that is so flawless that they're like,

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Speaker 4: oh my god, this was a good story.

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Speaker 3: I can't I want her to interview me again.

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Speaker 4: I have never, ever once in my entire career had

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Speaker 4: somebody come to me and say, oh, oh my god,

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Speaker 4: this was so awful, this was bad, this was this

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Speaker 4: was you know, this was totally wrong.

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Speaker 3: This was you know, have I had.

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Speaker 4: A correction ever or something that was a typo or something, Well, yes,

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Speaker 4: I'm not gonna, you know, say, I'm like, you know,

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Speaker 4: Christine perfect that kind of thing. But I'm saying substantively,

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Speaker 4: nobody's ever been able to pick holes in my work ever,

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Speaker 4: and so and it's because I hold myself to an

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Speaker 4: extremely high standard of excellence and my sister Debbie and

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Speaker 4: among the other people you know, taught me that. And

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Speaker 4: after a while, it's like, what can they do? They

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Speaker 4: can't mess with you when you just you know when

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Speaker 4: you're when you're when you're just doing you, and just

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Speaker 4: so you just have to kind of put that stuff

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Speaker 4: in the back of your mind, just go about your

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Speaker 4: work and just do you. And honestly, Mandy, before you

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Speaker 4: know it, you're gonna be like thirty two and you'll

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Speaker 4: be thirty seven.

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Speaker 3: Then you'd be like, ooh, I remember Lene told me

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Speaker 3: I'm thirty five and nine. I'm like, whoa, what did

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Speaker 3: this happen?

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Speaker 2: Well.

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Speaker 1: One of the things that you said at FENCN that

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Speaker 1: was so striking was at this conference we were all

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Speaker 1: at last week was that you should never use someone

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Speaker 1: else's success as your own bar of excellence. But I

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Speaker 1: feel like I want to break that rule because I

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Speaker 1: don't think I'll be doing myself a disservice if I

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Speaker 1: make you my bar. Oh really down. I think I

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Speaker 1: think I'll just keep reaching and maybe if I hit

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Speaker 1: that level, I'll be even if I don't have If

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Speaker 1: I get one level below that, I'll bet.

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Speaker 3: That's so so flattering. I'm so humble to hear you

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Speaker 3: say that.

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Speaker 4: But you know what, I read the ten X rule

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Speaker 4: by Grant Cardone and he was talking about competition and

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Speaker 4: just different things. And he's like, crush the competition, you

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Speaker 4: just dominate, you know. But his philosophy is in large

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Speaker 4: part outwork everybody be willing to do ten times as much.

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Speaker 4: And I'm like, I totally identify with that because I'm

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Speaker 4: a hustler and I believe in hard work, and I

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Speaker 4: have a tremendous work ethic. But he also said something

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Speaker 4: that was I think very relevant when he said if

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Speaker 4: you must, he was like, if you must benchmark yourself

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Speaker 4: against somebody, make make it somebody that's so epically beyond

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Speaker 4: your plane. And and and Mandy, I am not epically

381
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Speaker 4: beyond your plane. Don't don't say oh I want to

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Speaker 4: be you know still and that I'm I want you

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Speaker 4: to like go to like Oprah level. Okay, here, something

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Speaker 4: that's the that's ten x thinking. It's the it's the

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Speaker 4: idea that you go well, well way beyond your kind

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Speaker 4: of wildest imagination. So for the person who said, you

387
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Speaker 4: know what, yeah, I'm making one hundred thousand dollars and

388
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Speaker 4: my goal is to make five hundred thousand dollars a year,

389
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Speaker 4: why not say my goal is to make five million

390
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Speaker 4: a year, Because then it's sort of like that expression

391
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Speaker 4: you've heard, you know, kind of you know, reach.

392
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Speaker 3: For the moon or or the sun or the stars

393
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Speaker 3: or whatever, and at least you'll fall among the stars

394
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Speaker 3: or whatever the expression is.

395
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Speaker 4: It's to get you to go way, way, way out

396
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Speaker 4: of your comfort zone and to just go for enormous

397
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Speaker 4: stretch goals and then you'll surprise yourself. You'll see like,

398
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Speaker 4: holy cow, this actually you know, this actually worked.

399
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Speaker 3: And what's the worst that could happen if it doesn't work?

400
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Speaker 4: You know, for the person who says, for example, or

401
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Speaker 4: I want to make five hundred thousand, if they could

402
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Speaker 4: have said, oh, I want to make one hundred and

403
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Speaker 4: fifty thousand, But if their creativity, efforts, hard work pushes

404
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Speaker 4: them to say five hundred thousand is the goal, even

405
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Speaker 4: if they fall short and they come up with three

406
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Speaker 4: hundred thousand dollars, that's better than them having benchmark themselves

407
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Speaker 4: to say, oh, I want to make one fifty because

408
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Speaker 4: now they actually got a result that was twice as

409
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Speaker 4: much as they thought they could achieve.

410
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Speaker 3: So I believe in just like going for it for

411
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Speaker 3: the max.

412
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Speaker 4: And like I said, I never if somebody tells me

413
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Speaker 4: I can't do something, Oh, that's that's like.

414
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Speaker 3: You know, it's on.

415
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Speaker 4: You know, people told me, oh, you know, you need

416
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Speaker 4: reviews for your books, and you know, especially if you

417
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Speaker 4: want to get on New York Times Bestsellers. Listen, they

418
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Speaker 4: would tell me this one and that one, and they

419
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Speaker 4: were saying, you know, get in USA today, and I said, okay,

420
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Speaker 4: well USA today it is. And then people started saying

421
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Speaker 4: to me, well, you know, USA today they don't review

422
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Speaker 4: self published books. And I was like, watch, and don't

423
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Speaker 4: you know zero Debt was reviewed in USA today as well.

424
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Speaker 4: So so just they're all these artificial barriers. Don't let

425
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Speaker 4: other people's limited thinking or other people's success be your benchmark,

426
00:21:09,160 --> 00:21:12,359
Speaker 4: because nobody knows what you're capable of, and frankly, even

427
00:21:12,440 --> 00:21:15,000
Speaker 4: you don't even know until you try, until you go

428
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Speaker 4: for it.

429
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Speaker 1: I wondered if you could offer some just general advice

430
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Speaker 1: to anyone who's listening out there, who is at a

431
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Speaker 1: point of transition in their life and they're maybe thinking

432
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Speaker 1: of branching out and tapping into that entrepreneurial spirit. What

433
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Speaker 1: would you, you know, what kind of advice would you

434
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Speaker 1: give them?

435
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Speaker 4: For anybody who's thinking about making the transition from employee

436
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Speaker 4: to business owner, I really would encourage them to go

437
00:21:53,359 --> 00:21:56,240
Speaker 4: for it, but to do so in a strategic fashion.

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Speaker 4: I'm not one of those entrepreneurs who kind of poo

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00:21:58,680 --> 00:22:00,920
Speaker 4: poos people who work in corporate America or the person

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00:22:00,960 --> 00:22:03,359
Speaker 4: who has a nine to five. On the contrary, I

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00:22:03,400 --> 00:22:06,159
Speaker 4: think that a lot of people should stay put and

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00:22:06,200 --> 00:22:09,040
Speaker 4: should kind of make it work and should learn from

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00:22:09,440 --> 00:22:12,879
Speaker 4: the positions that they currently occupy. But if you have

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00:22:13,080 --> 00:22:16,239
Speaker 4: that kind of passionate fire in your belly and you

445
00:22:16,320 --> 00:22:18,480
Speaker 4: just know that you're meant to run your own show,

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00:22:18,920 --> 00:22:21,840
Speaker 4: I think that you have to be strategic about planning

447
00:22:22,040 --> 00:22:22,800
Speaker 4: your escape.

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00:22:23,640 --> 00:22:27,560
Speaker 3: And so you need to do things like thinking through your.

449
00:22:27,440 --> 00:22:31,000
Speaker 4: Finances and you know how long it'll be before you're profitable.

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00:22:31,400 --> 00:22:34,359
Speaker 4: You need to make sure that you have a good

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00:22:34,400 --> 00:22:37,919
Speaker 4: potential client base some body out there who wants to

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00:22:37,960 --> 00:22:40,479
Speaker 4: pay for the products and services that you might offer.

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00:22:40,960 --> 00:22:42,080
Speaker 3: And I don't.

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00:22:41,840 --> 00:22:44,560
Speaker 4: Feel that entrepreneurs should just kind of, you know, willing

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00:22:44,640 --> 00:22:47,639
Speaker 4: nelly roll the dice and gamble and kind of say,

456
00:22:47,880 --> 00:22:49,640
Speaker 4: you know, bet the farm, so to speak, and say

457
00:22:49,640 --> 00:22:51,520
Speaker 4: I'm just going to hope and pray that it happens.

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00:22:51,840 --> 00:22:55,600
Speaker 4: That to me is an imprudent way to go about entrepreneurship.

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00:22:55,720 --> 00:22:57,600
Speaker 4: You know, we hear all the stats about you know,

460
00:22:57,640 --> 00:22:59,439
Speaker 4: six out of ten or seven out of ten, depending

461
00:22:59,440 --> 00:23:02,600
Speaker 4: on who's numbers. You believe six out of ten businesses

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00:23:02,680 --> 00:23:06,080
Speaker 4: failing within the first five years. And frankly, you don't

463
00:23:06,119 --> 00:23:08,800
Speaker 4: want to be a statistic so try to do everything

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00:23:08,880 --> 00:23:12,560
Speaker 4: upfront to stack the deck in your favor and to

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00:23:12,760 --> 00:23:15,919
Speaker 4: reduce the odds that if you don't want to go

466
00:23:16,000 --> 00:23:18,120
Speaker 4: back to a nine to five or to corporate America,

467
00:23:18,200 --> 00:23:20,679
Speaker 4: that you won't have to do so because you're forced

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00:23:20,680 --> 00:23:22,240
Speaker 4: into it for financial reasons.

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00:23:29,840 --> 00:23:33,000
Speaker 1: Lynette, you are our money fairy, our fairy money godmother.

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00:23:33,720 --> 00:23:36,080
Speaker 1: I really feel that way. Thank you so much. Yeah

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00:23:36,119 --> 00:23:38,840
Speaker 1: for taking the time and joining our little podcast and

472
00:23:39,280 --> 00:23:43,600
Speaker 1: spreading that beautiful entrepreneurial gospel sounds good.

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00:23:43,600 --> 00:23:46,440
Speaker 3: Thank you ladies, and continue success to you both.

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00:23:46,680 --> 00:23:48,520
Speaker 1: Thank you, Thanks Lynette.

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00:23:48,520 --> 00:23:49,439
Speaker 3: Byebye bye bye.

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00:23:49,520 --> 00:23:56,840
Speaker 2: No, didn't we tell you how amazing Lynette was. Honestly,

477
00:23:56,960 --> 00:23:59,080
Speaker 2: me and Manny don't even have anything to add.

478
00:23:59,160 --> 00:24:01,800
Speaker 1: Except please let us know what you think about this

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00:24:01,840 --> 00:24:04,160
Speaker 1: week's podcast. You can hit us up on Twitter at

480
00:24:04,200 --> 00:24:07,919
Speaker 1: the BA Podcast, email us at Brown Ambition Podcast at

481
00:24:07,960 --> 00:24:11,119
Speaker 1: gmail dot com, and please leave us a review It

482
00:24:11,200 --> 00:24:14,080
Speaker 1: helps people find us on iTunes. It makes sure that

483
00:24:14,119 --> 00:24:16,880
Speaker 1: we can keep on doing this. Just go to iTunes

484
00:24:16,960 --> 00:24:19,800
Speaker 1: find the Brown Ambition Podcast leave a review. It takes

485
00:24:20,119 --> 00:24:23,280
Speaker 1: literally just a few seconds of your time. And we're

486
00:24:23,280 --> 00:24:26,120
Speaker 1: also doing a really fun giveaway. We're gonna pick one

487
00:24:26,200 --> 00:24:29,680
Speaker 1: lucky winner this month who leaves the iTunes review, and

488
00:24:29,800 --> 00:24:33,560
Speaker 1: the prize is an amazing tote bag courtesy of the

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00:24:33,600 --> 00:24:36,240
Speaker 1: Finance Bar Miss Marsha Barnes. Thank you so much. It's

490
00:24:36,240 --> 00:24:38,040
Speaker 1: super cute. You can see a picture of it on

491
00:24:38,600 --> 00:24:41,600
Speaker 1: our website right now, Brown Ambition podcast dot com. And

492
00:24:41,680 --> 00:24:45,119
Speaker 1: also Tiffany a copy of Tiffany's best selling book, The

493
00:24:45,160 --> 00:24:46,119
Speaker 1: Live Richer Challenge.

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00:24:46,160 --> 00:24:52,560
Speaker 2: Yes, so we will see you on the flip side.

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00:24:53,720 --> 00:24:55,320
Speaker 1: Bye, guys, see you guys next week. Buye