1 00:00:04,840 --> 00:00:08,400 Speaker 1: Hey ba fam, I am joined today by an incredible guest. 2 00:00:08,520 --> 00:00:11,959 Speaker 1: She has been on the show before and after. Now 3 00:00:11,960 --> 00:00:14,280 Speaker 1: that I've had the conversation with Denise, I just written 4 00:00:14,400 --> 00:00:16,319 Speaker 1: I talk to her, I'm like, Oh, you're actually a 5 00:00:16,400 --> 00:00:20,320 Speaker 1: human ray of sunshine and such a like a real 6 00:00:20,640 --> 00:00:26,200 Speaker 1: down to earth, powerful, quietly powerful woman who just is 7 00:00:26,280 --> 00:00:30,160 Speaker 1: really grounded in her impact. She's grounded in what she 8 00:00:30,320 --> 00:00:33,320 Speaker 1: wants out of life and the value she brings to others. 9 00:00:34,000 --> 00:00:39,680 Speaker 1: And I just feel better after spending time chatting with Denise, 10 00:00:39,720 --> 00:00:41,880 Speaker 1: And I'm just so excited for her, and her book 11 00:00:41,960 --> 00:00:43,479 Speaker 1: is coming out. You guys are going to hear all 12 00:00:43,520 --> 00:00:47,160 Speaker 1: about it. But let me tell y'all for those who 13 00:00:47,280 --> 00:00:50,839 Speaker 1: are not aware of Denise Torres, my one of my 14 00:00:50,920 --> 00:00:53,400 Speaker 1: favorite people just in life. Right now, I'll tell you 15 00:00:53,400 --> 00:00:55,280 Speaker 1: a little bit about her before we get into our chat. 16 00:00:55,360 --> 00:01:00,720 Speaker 1: She is an award winning Latina money expert in entrepreneurship coach. 17 00:01:01,200 --> 00:01:05,760 Speaker 1: She became an accidental entrepreneur after job loss led her 18 00:01:05,800 --> 00:01:09,920 Speaker 1: to create a successful Latin food blog called Delish Delights. 19 00:01:10,280 --> 00:01:12,880 Speaker 1: But as you'll hear in our conversation, that is just 20 00:01:12,959 --> 00:01:17,480 Speaker 1: one of almost ten different business revenue streams that she 21 00:01:17,640 --> 00:01:21,120 Speaker 1: has built for herself over the past decade and today, 22 00:01:21,280 --> 00:01:25,080 Speaker 1: Janice helps clients and listeners build successful online businesses that 23 00:01:25,120 --> 00:01:29,240 Speaker 1: allow them to pursue financial independence and freedom, not just 24 00:01:29,360 --> 00:01:31,760 Speaker 1: from the nine to five grind, but the freedom to 25 00:01:31,840 --> 00:01:34,920 Speaker 1: redefine what success means for you. And we'll talk about 26 00:01:35,280 --> 00:01:38,880 Speaker 1: how Janice has redefined what success means for her even 27 00:01:39,040 --> 00:01:42,600 Speaker 1: as an influencer and entrepreneur herself. Like there's things that 28 00:01:42,600 --> 00:01:44,640 Speaker 1: she's been like, oh, hell no, I can make money 29 00:01:44,640 --> 00:01:46,520 Speaker 1: from that, but no, I don't want to because I 30 00:01:46,560 --> 00:01:49,559 Speaker 1: actually want some free time. So if we get into 31 00:01:49,600 --> 00:01:54,680 Speaker 1: everything everything from her dating life after divorce to building, 32 00:01:55,120 --> 00:01:58,120 Speaker 1: like we said, the multiple businesses that she has and 33 00:01:58,240 --> 00:02:02,440 Speaker 1: sort of how the how building a business online can 34 00:02:02,520 --> 00:02:08,040 Speaker 1: even make you feel disconnected from reality and from community, 35 00:02:08,160 --> 00:02:11,359 Speaker 1: but how she's counterbalanced that so that she has created 36 00:02:11,360 --> 00:02:16,280 Speaker 1: this incredible yokidto de Naro family. And Janice has always 37 00:02:16,320 --> 00:02:18,960 Speaker 1: focused on her impact. She's on a mission to educate 38 00:02:19,000 --> 00:02:25,200 Speaker 1: marginalized communities on entrepreneurship, investing and building generational wealth. And 39 00:02:25,280 --> 00:02:27,880 Speaker 1: her podcast Jokito di Nero, you have to go check 40 00:02:27,919 --> 00:02:31,320 Speaker 1: it out. And without further ado, let's just get on 41 00:02:31,320 --> 00:02:34,200 Speaker 1: into our conversation with Denise. Oh and by the way, 42 00:02:34,520 --> 00:02:38,040 Speaker 1: don't forget to go pick up her brand new, first 43 00:02:38,320 --> 00:02:41,680 Speaker 1: ever book. You will be hard pressed to miss it 44 00:02:41,720 --> 00:02:44,120 Speaker 1: on bookshelves because you just look for the sign that 45 00:02:44,160 --> 00:02:46,679 Speaker 1: says financially lit with the gorgeous blonde and the hot 46 00:02:46,680 --> 00:02:50,600 Speaker 1: pink power suit on the cover. It is everything. Please 47 00:02:50,639 --> 00:02:52,320 Speaker 1: go pick up your copy. You can also head to 48 00:02:52,440 --> 00:02:56,800 Speaker 1: financially litbook dot com. And Jenis is going on a booktory. Y'all, 49 00:02:56,840 --> 00:02:58,440 Speaker 1: so join me. I'm going to be at her stop 50 00:02:58,440 --> 00:03:01,280 Speaker 1: in New York City on May second, I believe, So 51 00:03:01,520 --> 00:03:04,880 Speaker 1: join us celebrate this incredible woman and all she has 52 00:03:04,880 --> 00:03:07,440 Speaker 1: to offer, and I will let I'll get out of 53 00:03:07,520 --> 00:03:10,000 Speaker 1: my way. So y'all can hear my conversation with Jennie's 54 00:03:10,120 --> 00:03:13,919 Speaker 1: right now? All right to be a fam? I almost 55 00:03:13,919 --> 00:03:18,280 Speaker 1: said me hyn't they? But I guess totally can say mehn, Hello, 56 00:03:18,480 --> 00:03:22,200 Speaker 1: v a fam. I am joined by friend of the show, 57 00:03:22,360 --> 00:03:27,519 Speaker 1: friend of me, the beautiful, the talented, the incredible Janie Torres, 58 00:03:27,880 --> 00:03:31,280 Speaker 1: who has a brand new, gorgeous book coming out. I 59 00:03:31,320 --> 00:03:34,840 Speaker 1: know that it's full of facts and insights for anyone 60 00:03:34,840 --> 00:03:37,960 Speaker 1: who wants to learn how to get their financial issue together. Jenise. 61 00:03:38,000 --> 00:03:41,800 Speaker 1: But can I just say the cover, it's everything, Thank 62 00:03:41,840 --> 00:03:45,600 Speaker 1: you Barbie. Before did you even know Barbarie was going 63 00:03:45,640 --> 00:03:50,480 Speaker 1: to be a cultural phenomenon? I did not the memo. Okay, 64 00:03:49,520 --> 00:03:56,720 Speaker 1: that the hot pink with the blonde that is serendipitous 65 00:03:56,760 --> 00:04:00,440 Speaker 1: on another level. But your brand new book, financially Lit 66 00:04:00,800 --> 00:04:02,960 Speaker 1: the mod I'm reading it from behind you The Modern 67 00:04:03,080 --> 00:04:06,440 Speaker 1: Latina's Guide to level Up? Wait, read the whole thing. 68 00:04:06,440 --> 00:04:08,119 Speaker 1: What's it called? I'm always bad at the subtitle? 69 00:04:08,240 --> 00:04:11,520 Speaker 2: Yes, it's financially Lit. The Modern Latina's Guide to level 70 00:04:11,560 --> 00:04:15,160 Speaker 2: Up your dinetto and become financially bodosa O. 71 00:04:16,680 --> 00:04:20,400 Speaker 1: I love that. So, if you guys have not heard 72 00:04:20,600 --> 00:04:23,320 Speaker 1: our show with Jeannie's in the past, give the folks 73 00:04:23,320 --> 00:04:26,120 Speaker 1: a little tidbit. How would you describe yourself today? Sort 74 00:04:26,160 --> 00:04:28,679 Speaker 1: of like what is the Jenese package people can expect. 75 00:04:28,880 --> 00:04:33,599 Speaker 2: Yes, So, I am a personal finance podcaster, educator, business coach, 76 00:04:33,640 --> 00:04:38,440 Speaker 2: and serial entrepreneur that helps women of color financially level up. 77 00:04:38,640 --> 00:04:40,480 Speaker 2: And I do that in a lot of different ways. 78 00:04:40,600 --> 00:04:43,719 Speaker 2: I love focusing on the areas of financial independence and 79 00:04:43,880 --> 00:04:47,360 Speaker 2: entrepreneurship because that has been my path to breaking out 80 00:04:47,400 --> 00:04:51,960 Speaker 2: of the corporate rat race, retiring from my engineering career 81 00:04:51,960 --> 00:04:54,560 Speaker 2: in my mid thirties and now being able to pursue 82 00:04:55,279 --> 00:04:58,640 Speaker 2: basically a life built around options and freedom. And it's 83 00:04:58,680 --> 00:05:00,760 Speaker 2: all been thanks to learning about money. 84 00:05:02,520 --> 00:05:05,000 Speaker 1: Yes, absolutely, and Denise, I was a fan before I 85 00:05:05,040 --> 00:05:07,320 Speaker 1: was a friend. I think forget I went through this 86 00:05:07,400 --> 00:05:09,800 Speaker 1: moment when I launched my business a few years ago. 87 00:05:09,839 --> 00:05:14,359 Speaker 1: It'll be three years this June, my business adversary, and 88 00:05:14,400 --> 00:05:16,520 Speaker 1: I remember I probably told the story before, but I 89 00:05:16,520 --> 00:05:19,480 Speaker 1: remember kind of thinking, oh, I need new friends because 90 00:05:19,480 --> 00:05:21,080 Speaker 1: I don't have a lot of friends. I mean, obviously 91 00:05:21,120 --> 00:05:23,840 Speaker 1: I have Tiffany, but it had been the pandemic. It 92 00:05:23,960 --> 00:05:25,560 Speaker 1: had I had been in a nine to five, more 93 00:05:25,560 --> 00:05:29,120 Speaker 1: traditional career, and even like I said with the podcast, 94 00:05:29,160 --> 00:05:31,000 Speaker 1: I really just knew Tiffany. I didn't go out of 95 00:05:31,000 --> 00:05:36,040 Speaker 1: my way to form new connections because see also pandemic baby, right. 96 00:05:36,160 --> 00:05:38,840 Speaker 1: I was in a little bit of a haze anyhow. 97 00:05:38,880 --> 00:05:41,599 Speaker 1: But one of my the very first work trip I 98 00:05:41,640 --> 00:05:45,000 Speaker 1: ever took was to finn Con. But prior to that, 99 00:05:45,080 --> 00:05:46,680 Speaker 1: which is I got to meet you in person them, 100 00:05:46,680 --> 00:05:48,240 Speaker 1: But prior to that, I was like, I need to 101 00:05:48,279 --> 00:05:51,880 Speaker 1: reach out to people that I'm seeing, like really kill it? 102 00:05:51,920 --> 00:05:54,640 Speaker 1: Who are fun and seem fun, and you're one of 103 00:05:54,640 --> 00:05:57,360 Speaker 1: the first people I reached out to just to be like, Hi, Ah, 104 00:05:57,760 --> 00:05:59,039 Speaker 1: I'd love to talk on the internet. 105 00:06:00,240 --> 00:06:02,520 Speaker 2: Yeah, the pandemic was a really special time for like 106 00:06:02,600 --> 00:06:05,360 Speaker 2: personal finance influencers. I think it was just like a 107 00:06:05,400 --> 00:06:08,880 Speaker 2: boom and we got to meet so many interesting, incredible 108 00:06:08,880 --> 00:06:10,040 Speaker 2: people thanks to the algorithm. 109 00:06:10,880 --> 00:06:14,640 Speaker 1: Yeah, a shout out to those algos and we love them, 110 00:06:14,640 --> 00:06:18,520 Speaker 1: but we also hate them. Yes, I actually wanted to 111 00:06:18,520 --> 00:06:20,440 Speaker 1: talk to you. I know that I was texting just 112 00:06:20,440 --> 00:06:22,040 Speaker 1: to kind of see what you wanted to touch on today. 113 00:06:22,040 --> 00:06:24,560 Speaker 1: And I for sure want to chat about the personal 114 00:06:24,600 --> 00:06:27,360 Speaker 1: and where that sort of intersects with the business side 115 00:06:27,400 --> 00:06:30,400 Speaker 1: and the financial side for you. But Ai, I'm dying 116 00:06:30,400 --> 00:06:32,960 Speaker 1: to talk to you about it because you know, a 117 00:06:33,040 --> 00:06:36,000 Speaker 1: huge part of your entrepreneurial journey has been teaching people 118 00:06:36,040 --> 00:06:38,839 Speaker 1: how to start side hustles with a blog, right. And 119 00:06:39,040 --> 00:06:43,000 Speaker 1: I also I have had blogs over the years, but 120 00:06:43,040 --> 00:06:46,080 Speaker 1: my backgrounds and journalism as a journalist for many years, 121 00:06:46,080 --> 00:06:48,480 Speaker 1: I still kind of am like somewhat a journalist. I 122 00:06:48,520 --> 00:06:52,240 Speaker 1: don't know, I hold myself accountable. But also I was 123 00:06:52,240 --> 00:06:56,080 Speaker 1: in content marketing, which is SEO. It's search engine optimization. 124 00:06:56,160 --> 00:06:59,240 Speaker 1: It's creating content that Google is the algorithm again, is 125 00:06:59,279 --> 00:07:02,599 Speaker 1: gonna up on a silver platter on the search results page. 126 00:07:03,160 --> 00:07:07,599 Speaker 1: And I just know, like before I left that, before 127 00:07:07,600 --> 00:07:10,040 Speaker 1: I left that space content marketing in twenty twenty one, 128 00:07:10,840 --> 00:07:13,280 Speaker 1: it was like AI was becoming a thing, and I 129 00:07:13,280 --> 00:07:17,360 Speaker 1: remember feeling really uncomfortable about other sites competitors of ours 130 00:07:17,360 --> 00:07:20,640 Speaker 1: that I heard who were using AI to create content. 131 00:07:21,600 --> 00:07:23,840 Speaker 1: I don't want to go down that rabbit hole just yet, 132 00:07:24,160 --> 00:07:28,560 Speaker 1: but I'm just like bookmarking it in my brain for later. Yeah, 133 00:07:28,600 --> 00:07:31,800 Speaker 1: but let's bring it to the book. Okay, your book 134 00:07:31,840 --> 00:07:35,160 Speaker 1: is coming out. If you guys have not gotten your copy, 135 00:07:35,400 --> 00:07:36,800 Speaker 1: where can they go to grab one? Do you have? 136 00:07:37,000 --> 00:07:38,280 Speaker 1: What's the main website? Is it? 137 00:07:38,560 --> 00:07:42,040 Speaker 2: Financially litbook dot com? Super easy to remember, and you 138 00:07:42,080 --> 00:07:45,320 Speaker 2: can order both the hard copy and the audiobook version. 139 00:07:45,760 --> 00:07:49,640 Speaker 2: Which I was just informed that we were named one 140 00:07:49,760 --> 00:07:54,480 Speaker 2: of Audible's most buzzworthy releases of twenty twenty four. WHOA, 141 00:07:54,760 --> 00:07:56,760 Speaker 2: which is wild because you think about just like how 142 00:07:56,760 --> 00:08:00,400 Speaker 2: many audiobooks come out in a single quarter. It's like, 143 00:08:00,560 --> 00:08:03,200 Speaker 2: holy crap, somebody's listening to this and somebody likes it. 144 00:08:04,120 --> 00:08:06,080 Speaker 1: Well, the thing is like if you love which you know, 145 00:08:06,160 --> 00:08:09,200 Speaker 1: your podcast Yo Kioto Dinano, which everyone should check out, 146 00:08:09,440 --> 00:08:11,840 Speaker 1: is wonderful, and I think you can listen to. I mean, 147 00:08:11,880 --> 00:08:13,280 Speaker 1: how many hours is your audiobook? 148 00:08:13,440 --> 00:08:15,280 Speaker 2: Oh, it's I think at least like eight hours. 149 00:08:15,760 --> 00:08:17,840 Speaker 1: I hope that's like eight episodes of the show, you know, 150 00:08:18,120 --> 00:08:20,080 Speaker 1: So I feel like if fans have been hearing you 151 00:08:20,120 --> 00:08:23,240 Speaker 1: in that format, it's I think it's great. I love 152 00:08:23,280 --> 00:08:26,280 Speaker 1: audio books myself. Yeah, me too, But let's take that off. 153 00:08:26,280 --> 00:08:28,240 Speaker 1: You're going on your book tour, so you're gonna be 154 00:08:28,280 --> 00:08:29,840 Speaker 1: hitting some big cities. 155 00:08:29,880 --> 00:08:36,840 Speaker 2: You're coming to Yo, coming to New York, Dallas, La, Tampa, Miami, Orlando, and. 156 00:08:36,800 --> 00:08:38,200 Speaker 1: More stops on the way. 157 00:08:38,320 --> 00:08:41,360 Speaker 2: So I'm really excited to just see and hug real 158 00:08:41,360 --> 00:08:44,959 Speaker 2: life people because, you know, just like you, my personal 159 00:08:44,960 --> 00:08:47,960 Speaker 2: finance brand blew up during the pandemic, so I'm still 160 00:08:48,120 --> 00:08:50,400 Speaker 2: like just getting a chance to get out there and 161 00:08:50,559 --> 00:08:53,640 Speaker 2: be amongst the community. And I think that's honestly my 162 00:08:53,640 --> 00:08:56,800 Speaker 2: favorite part of this whole thing. Do you feel, genuinely? 163 00:08:56,840 --> 00:08:59,720 Speaker 1: Because I was just to like ticket some more real 164 00:08:59,840 --> 00:09:02,880 Speaker 1: not that we haven't been real, but I was listening. 165 00:09:02,880 --> 00:09:04,480 Speaker 1: I told you, I was blow drying my hair and 166 00:09:04,559 --> 00:09:07,559 Speaker 1: I was listening to in between the blow drawing. You 167 00:09:07,600 --> 00:09:10,440 Speaker 1: know you have downtimes resting my arm. I was listening 168 00:09:10,440 --> 00:09:14,160 Speaker 1: to this incredible episode of I Love Estare Perell's podcast, 169 00:09:14,160 --> 00:09:17,360 Speaker 1: Where Should We Begin? She's a relationship sex expert. You know, 170 00:09:17,440 --> 00:09:21,520 Speaker 1: she's gone viral on multiple TED talks and anyway, her 171 00:09:21,520 --> 00:09:24,440 Speaker 1: and Brene Brown got together at I think it was 172 00:09:24,480 --> 00:09:27,000 Speaker 1: south By What happens in Texas? Was it south By? South? 173 00:09:27,080 --> 00:09:30,000 Speaker 1: I think so, yeah, I think Austin, Yeah, something in 174 00:09:30,040 --> 00:09:34,839 Speaker 1: Austin AnyWho, And they were talking about AI a little bit, 175 00:09:34,920 --> 00:09:38,280 Speaker 1: but really they were talking about like the the level 176 00:09:38,360 --> 00:09:42,360 Speaker 1: of loneliness even though we have so many friends online, 177 00:09:42,480 --> 00:09:46,400 Speaker 1: which isn't necessarily a new topic, but something that they 178 00:09:46,520 --> 00:09:51,080 Speaker 1: said really resonated with me. It was like the kind 179 00:09:51,120 --> 00:09:54,120 Speaker 1: of content that does so well even though you know, 180 00:09:54,480 --> 00:09:56,880 Speaker 1: being online is sort of like this. It's like a 181 00:09:56,920 --> 00:10:00,520 Speaker 1: shield that we use to connect with people who but 182 00:10:00,559 --> 00:10:03,160 Speaker 1: we're not really like you have a thousand friends, But 183 00:10:03,200 --> 00:10:05,320 Speaker 1: who's going to feed your cat? Is the question that 184 00:10:05,360 --> 00:10:09,319 Speaker 1: they pose. However, they do draw this connection to how 185 00:10:09,520 --> 00:10:12,720 Speaker 1: the content that really goes viral and connects with people 186 00:10:12,840 --> 00:10:17,880 Speaker 1: is often very personal, very like vulnerable, and I think 187 00:10:17,920 --> 00:10:21,280 Speaker 1: of you in there, because you have been I think 188 00:10:21,760 --> 00:10:25,440 Speaker 1: vulnerable and sharing a lot of your personal journey, not 189 00:10:25,679 --> 00:10:28,679 Speaker 1: just from working nine to five and that toxic culture 190 00:10:28,760 --> 00:10:32,360 Speaker 1: and engineering and all that, but even in your your 191 00:10:32,679 --> 00:10:35,400 Speaker 1: personal life, personal personal life. You know, you talk about 192 00:10:35,960 --> 00:10:37,839 Speaker 1: deciding how long has it been? Has it been a 193 00:10:37,880 --> 00:10:41,360 Speaker 1: year yet? Two years? Yeah, it'll be two years in November. 194 00:10:42,040 --> 00:10:44,439 Speaker 1: In November, okay, so here and a half ish since 195 00:10:44,480 --> 00:10:48,400 Speaker 1: your since you separated from your then husband and you've 196 00:10:48,400 --> 00:10:52,720 Speaker 1: been divorced, and you, you know, you share that, And 197 00:10:52,800 --> 00:10:55,920 Speaker 1: I just wondered, as you're talking about getting to hug 198 00:10:56,000 --> 00:10:59,360 Speaker 1: and like physically be present with your community, have you 199 00:10:59,600 --> 00:11:03,079 Speaker 1: felt that human connection through the community that you've built 200 00:11:03,400 --> 00:11:07,600 Speaker 1: to feel like authentic and real and how has that 201 00:11:07,720 --> 00:11:11,400 Speaker 1: helped you during these like difficult times, not just personal 202 00:11:11,440 --> 00:11:13,360 Speaker 1: but the pandemic on top of that. Yeah? 203 00:11:13,400 --> 00:11:16,200 Speaker 2: Absolutely, I mean, I think the impact of what we 204 00:11:16,320 --> 00:11:20,240 Speaker 2: do as financial educators. You can see metrics, right, you 205 00:11:20,240 --> 00:11:22,800 Speaker 2: can look at your analytics and just how many downloads 206 00:11:22,800 --> 00:11:24,920 Speaker 2: did the podcast get or how many likes did this 207 00:11:24,960 --> 00:11:28,000 Speaker 2: post get. But when you meet actual people and they 208 00:11:28,120 --> 00:11:30,600 Speaker 2: burst into tears meeting you, which has happened to me 209 00:11:30,760 --> 00:11:34,200 Speaker 2: multiple times, or I get like spotted out in the 210 00:11:34,200 --> 00:11:36,400 Speaker 2: world and they're like, oh my god, it's you. 211 00:11:36,600 --> 00:11:37,960 Speaker 1: I listened to your show. 212 00:11:38,559 --> 00:11:42,160 Speaker 2: You realize that, like these are whole ass humans that 213 00:11:42,200 --> 00:11:45,600 Speaker 2: are listening to your content, that are taking in your information. 214 00:11:46,160 --> 00:11:49,360 Speaker 2: And I think it's a good reminder for me to 215 00:11:49,559 --> 00:11:53,040 Speaker 2: just like take the job seriously because you can have 216 00:11:53,120 --> 00:11:55,360 Speaker 2: real impact, you know, and when people trust you, I 217 00:11:55,360 --> 00:11:57,560 Speaker 2: think that's the most valuable form of currency that we 218 00:11:57,600 --> 00:12:00,640 Speaker 2: can have as business owners. That is literally how brands 219 00:12:00,640 --> 00:12:03,520 Speaker 2: are built on trust. And so I take that very 220 00:12:03,559 --> 00:12:08,040 Speaker 2: seriously and I'm not afraid to, like, you know, put 221 00:12:08,080 --> 00:12:10,560 Speaker 2: my flag in the sand and like this is where 222 00:12:10,559 --> 00:12:12,040 Speaker 2: I draw the line. And I'm not just going to 223 00:12:12,120 --> 00:12:14,480 Speaker 2: go hop on another trend because that's what people are doing. 224 00:12:14,520 --> 00:12:15,320 Speaker 1: Like if I don't. 225 00:12:15,240 --> 00:12:19,680 Speaker 2: Genuinely endorse something or just believe something, I'm just never 226 00:12:19,720 --> 00:12:22,280 Speaker 2: going to be the type of creator that takes a 227 00:12:22,320 --> 00:12:24,920 Speaker 2: big enough check to you know, look the other way. 228 00:12:25,840 --> 00:12:29,439 Speaker 2: And yeah, I mean for me, as somebody who primarily 229 00:12:29,480 --> 00:12:31,200 Speaker 2: obviously works from home, a lot of the work I 230 00:12:31,240 --> 00:12:34,480 Speaker 2: do is virtual, it's great to just get out there 231 00:12:34,600 --> 00:12:38,120 Speaker 2: and remember that these are actual people people that buy 232 00:12:38,160 --> 00:12:41,200 Speaker 2: my courses and that review the show and that support 233 00:12:41,280 --> 00:12:42,480 Speaker 2: the work that I'm doing. 234 00:12:43,880 --> 00:12:46,120 Speaker 1: It's it's very humbling and I'm really grateful for it. 235 00:12:46,920 --> 00:12:49,880 Speaker 1: I'm really excited for you to get that experience too, 236 00:12:50,120 --> 00:12:52,960 Speaker 1: to be loved by your people. Thank you, you know, 237 00:12:53,200 --> 00:12:55,480 Speaker 1: and I'll be there cheering you on as well. Yay, 238 00:12:56,679 --> 00:12:58,960 Speaker 1: which I'm excited to squeeze you too, you little nugget. 239 00:13:00,000 --> 00:13:01,760 Speaker 1: I remember meeting you for the first time being like, oh, 240 00:13:01,760 --> 00:13:02,960 Speaker 1: everybody is such a peanut. 241 00:13:03,120 --> 00:13:06,959 Speaker 2: Yes, everything so much taller on social media than they are. 242 00:13:07,880 --> 00:13:11,560 Speaker 1: Those angles. We know how to make an angle. But 243 00:13:12,240 --> 00:13:15,160 Speaker 1: uh yeah, and not only that, but well, I also 244 00:13:15,240 --> 00:13:17,560 Speaker 1: I think about you and your love for Zoomba, which 245 00:13:17,880 --> 00:13:20,120 Speaker 1: I was a diehard zoom for Freak as well. I 246 00:13:20,200 --> 00:13:22,800 Speaker 1: kind of fell off because there's not a good class 247 00:13:22,880 --> 00:13:25,199 Speaker 1: up here where I live in my goodness. Yeah, it's 248 00:13:25,280 --> 00:13:28,959 Speaker 1: very annoying. There's no flavor. That's not true. There's flavor, 249 00:13:29,080 --> 00:13:31,800 Speaker 1: but not and there's not not you know, convenient to 250 00:13:31,840 --> 00:13:34,880 Speaker 1: me and where I live, but Zoomba too. Like, I 251 00:13:35,040 --> 00:13:36,600 Speaker 1: just wonder what are some of the ways as an 252 00:13:36,640 --> 00:13:40,920 Speaker 1: online entrepreneur yourself that you have found to stay connected 253 00:13:41,000 --> 00:13:44,080 Speaker 1: and to not get into that trap of working in 254 00:13:44,120 --> 00:13:46,680 Speaker 1: a vacuum, and what is all this for. I don't 255 00:13:46,720 --> 00:13:49,720 Speaker 1: have anybody like you've got. You have so much. You 256 00:13:49,720 --> 00:13:52,880 Speaker 1: have a rich life, not just in business and finances, 257 00:13:52,920 --> 00:13:56,120 Speaker 1: but how yeah, how what are the ways and strategies 258 00:13:56,120 --> 00:13:58,800 Speaker 1: that you use just to keep grounded and to stay connected. 259 00:13:59,240 --> 00:14:01,960 Speaker 2: I think it is having an entire life off of 260 00:14:02,000 --> 00:14:04,600 Speaker 2: social media. You know. It's like this is just one 261 00:14:04,640 --> 00:14:07,360 Speaker 2: small part of what people see. But you know, I 262 00:14:07,440 --> 00:14:10,120 Speaker 2: have friends. Two of my best friends are people that 263 00:14:10,160 --> 00:14:11,840 Speaker 2: I went to like grammar school with that we've known 264 00:14:11,880 --> 00:14:13,680 Speaker 2: each other since we're eleven years old, you know, and 265 00:14:13,840 --> 00:14:14,880 Speaker 2: they're just normal people. 266 00:14:14,880 --> 00:14:17,160 Speaker 1: They're not out here like always jealous of stories like that. 267 00:14:17,240 --> 00:14:20,920 Speaker 1: I ain't got nobody from my grammar school years. College 268 00:14:20,960 --> 00:14:21,920 Speaker 1: is where I kind of pick up. 269 00:14:22,040 --> 00:14:24,680 Speaker 2: Yeah yeah, I mean like there's just you know, my 270 00:14:24,800 --> 00:14:26,960 Speaker 2: family is still just sees Janie. 271 00:14:27,040 --> 00:14:27,240 Speaker 1: You know. 272 00:14:27,280 --> 00:14:30,360 Speaker 2: My partner didn't even know like what I did when 273 00:14:30,360 --> 00:14:33,200 Speaker 2: we first met, and he's still like, Okay, that's cool, 274 00:14:33,200 --> 00:14:35,040 Speaker 2: but like that's not why I'm with you, you know. 275 00:14:35,120 --> 00:14:39,920 Speaker 2: So there's just like so many reminders that our identities 276 00:14:40,120 --> 00:14:42,000 Speaker 2: as entrepreneurs and as creators. 277 00:14:42,000 --> 00:14:43,560 Speaker 1: That's just like one small sliver. 278 00:14:44,240 --> 00:14:46,680 Speaker 2: And I think the best way that I do or 279 00:14:46,720 --> 00:14:48,560 Speaker 2: the best way that I can stay grounded, is just 280 00:14:48,920 --> 00:14:51,160 Speaker 2: not letting that consume me and not letting that be 281 00:14:51,240 --> 00:14:54,080 Speaker 2: the focus of all of my energy, because you know, 282 00:14:54,120 --> 00:14:56,840 Speaker 2: at the end of the day, like they say, nobody 283 00:14:56,920 --> 00:15:00,400 Speaker 2: writes your title on your tombstone. You know, that's not 284 00:15:00,440 --> 00:15:03,320 Speaker 2: why people remember you. It's about the impact that you had, 285 00:15:03,360 --> 00:15:04,840 Speaker 2: the time that you poured into the people that you 286 00:15:04,880 --> 00:15:07,440 Speaker 2: care about. So that has to be the focus because 287 00:15:07,520 --> 00:15:09,280 Speaker 2: what was it all for at the end of the day. 288 00:15:10,080 --> 00:15:12,640 Speaker 1: So what is it that makes your life outside of 289 00:15:12,680 --> 00:15:16,200 Speaker 1: like work and the online grind and this book tour? 290 00:15:16,400 --> 00:15:18,320 Speaker 1: What are you doing that is feeding you back? 291 00:15:19,360 --> 00:15:22,360 Speaker 2: Well, I'm definitely involving my family in like a big 292 00:15:22,400 --> 00:15:25,520 Speaker 2: part of this journey. So my sister is actually going 293 00:15:25,560 --> 00:15:29,560 Speaker 2: to moderate my talk in Tampa. My dad's going to 294 00:15:29,600 --> 00:15:32,640 Speaker 2: be going with me to WNYC Studios to like watch 295 00:15:32,680 --> 00:15:33,640 Speaker 2: me do an interview. 296 00:15:34,160 --> 00:15:35,760 Speaker 1: My mom's going to be coming on the book tour. 297 00:15:35,840 --> 00:15:37,960 Speaker 2: So just like the fact that I get to share 298 00:15:38,480 --> 00:15:40,560 Speaker 2: what I'm doing with them in a way that you know, 299 00:15:40,600 --> 00:15:42,040 Speaker 2: they say it online and stuff, but they don't get 300 00:15:42,040 --> 00:15:44,880 Speaker 2: to experience it on that level. I'm really excited to 301 00:15:44,960 --> 00:15:48,240 Speaker 2: just bring them into my world because they've been the 302 00:15:48,240 --> 00:15:49,160 Speaker 2: biggest support. 303 00:15:49,320 --> 00:15:50,480 Speaker 1: You know, even though they thought it. 304 00:15:50,400 --> 00:15:53,720 Speaker 2: Was nuts, they also have just understood that, like I 305 00:15:53,800 --> 00:15:56,920 Speaker 2: had a vision and to trust me with it. So 306 00:15:57,200 --> 00:16:00,680 Speaker 2: I'm super excited about that. And also just like putting 307 00:16:00,720 --> 00:16:03,960 Speaker 2: some downtime in, you know, like taking vacations. And I'm 308 00:16:04,000 --> 00:16:07,440 Speaker 2: also not putting pressure on myself to like achieve some 309 00:16:07,480 --> 00:16:10,760 Speaker 2: sort of metric when it comes to business. You know, 310 00:16:10,800 --> 00:16:15,760 Speaker 2: I don't have this this like insatiable hunger to continuously 311 00:16:15,840 --> 00:16:18,840 Speaker 2: scale and to get on the New York Times bestseller 312 00:16:18,880 --> 00:16:21,920 Speaker 2: list and all these things. I'm just like whatever is 313 00:16:21,960 --> 00:16:24,360 Speaker 2: meant to be will be. And just the fact that 314 00:16:24,600 --> 00:16:28,400 Speaker 2: I get to do this incredible work, which is not 315 00:16:28,480 --> 00:16:31,240 Speaker 2: even work. It's just like ridiculous that I even get 316 00:16:31,280 --> 00:16:34,560 Speaker 2: to just talk about money and connect with people and 317 00:16:35,000 --> 00:16:37,920 Speaker 2: call this a career. Like I'm so grateful for that 318 00:16:37,920 --> 00:16:41,520 Speaker 2: that anything else that comes out of it, accolades, titles, opportunities, 319 00:16:41,520 --> 00:16:43,600 Speaker 2: blah bla blah whatever, that's just bonus. 320 00:16:43,880 --> 00:16:46,600 Speaker 1: But that's never my focus. Heyba fan, We're going to 321 00:16:46,680 --> 00:16:48,800 Speaker 1: take a quick break and be right back with more 322 00:16:48,840 --> 00:16:54,920 Speaker 1: with Denise Torres. I'm so happy, So I mean maybe 323 00:16:54,960 --> 00:16:57,400 Speaker 1: I sort of knew I was going to be speaking 324 00:16:57,440 --> 00:16:59,480 Speaker 1: to you, and I started thinking about we don't have 325 00:16:59,520 --> 00:17:01,360 Speaker 1: guests at time on the show, but we have had 326 00:17:01,360 --> 00:17:04,320 Speaker 1: some guests where and I'm always like, dang it, I 327 00:17:04,320 --> 00:17:06,520 Speaker 1: don't know if that was the bright person, only because 328 00:17:06,720 --> 00:17:08,480 Speaker 1: I really want to be careful with who we share 329 00:17:08,480 --> 00:17:10,600 Speaker 1: our audience with, because I want people to be learning 330 00:17:10,600 --> 00:17:14,120 Speaker 1: and engaging with people who have sort of their eye 331 00:17:14,160 --> 00:17:17,120 Speaker 1: on the big picture, like people who can still go 332 00:17:17,200 --> 00:17:21,639 Speaker 1: outside and appreciate the sunshine and appreciate the little things 333 00:17:21,680 --> 00:17:25,320 Speaker 1: and human connection and are not chasing a huge goal 334 00:17:25,440 --> 00:17:28,360 Speaker 1: and chasing numbers and accolades. Like you said. Those things 335 00:17:28,400 --> 00:17:31,200 Speaker 1: are incredible and they will come. But I just love 336 00:17:31,280 --> 00:17:34,240 Speaker 1: the mindset that you have. And I'm reminded again why 337 00:17:34,280 --> 00:17:37,199 Speaker 1: I was like, Deanie, we must be from because you 338 00:17:37,400 --> 00:17:39,760 Speaker 1: just are someone who gets it and at least gets 339 00:17:39,760 --> 00:17:42,960 Speaker 1: it on a level that I also get it. Where 340 00:17:43,080 --> 00:17:45,960 Speaker 1: for me, it's I love what we get to do. 341 00:17:46,040 --> 00:17:48,879 Speaker 1: It's fun. It doesn't feel like work unless you start 342 00:17:48,920 --> 00:17:51,840 Speaker 1: being tied to the algorithm and then it is a job. 343 00:17:53,160 --> 00:17:55,400 Speaker 1: But getting to sort of show up authentically and share 344 00:17:55,440 --> 00:17:59,040 Speaker 1: little nuggets has been working, and so and I was 345 00:17:59,119 --> 00:18:01,080 Speaker 1: kind of talking to Tiffany this morning, and by the way, 346 00:18:01,119 --> 00:18:03,760 Speaker 1: she's sorry, she's actually in Florida. Oh good for her, 347 00:18:04,800 --> 00:18:09,520 Speaker 1: can't be with us today anyhow. But yeah, I was 348 00:18:09,560 --> 00:18:11,879 Speaker 1: talking to her and I was like, yeah, I remember 349 00:18:11,920 --> 00:18:14,639 Speaker 1: this guest, and they just felt like they felt like 350 00:18:14,640 --> 00:18:16,399 Speaker 1: they weren't enjoying any of it. They were going on 351 00:18:16,440 --> 00:18:19,040 Speaker 1: this book tour and they were talking about it as 352 00:18:19,040 --> 00:18:21,320 Speaker 1: if it was like a huge drag. But then I'm 353 00:18:21,320 --> 00:18:23,160 Speaker 1: hearing you and I was like, well, dang, I would 354 00:18:23,320 --> 00:18:25,639 Speaker 1: love to be able to like get a crowd at 355 00:18:25,640 --> 00:18:28,160 Speaker 1: a huge venue, you know, just to talk about your book. 356 00:18:28,200 --> 00:18:31,240 Speaker 1: Are you kidding me? Like, that's that's the dream. But 357 00:18:31,440 --> 00:18:34,680 Speaker 1: it wasn't, you know, for them, it wasn't where their 358 00:18:34,720 --> 00:18:38,000 Speaker 1: goal posts were, which is which is fine and fair. 359 00:18:38,359 --> 00:18:41,159 Speaker 1: But for me, what I'm craving is I feel like 360 00:18:41,160 --> 00:18:44,080 Speaker 1: what you're craving. And especially as I am on the 361 00:18:44,160 --> 00:18:46,360 Speaker 1: very beginning of my book journey, it feels like I've 362 00:18:46,359 --> 00:18:49,320 Speaker 1: been on the very beginning for a long time. It's 363 00:18:49,320 --> 00:18:51,800 Speaker 1: great to have an example to look at of, oh, 364 00:18:51,840 --> 00:18:54,480 Speaker 1: you're actually not driving yourself that shit crazy, you know, 365 00:18:54,640 --> 00:18:57,560 Speaker 1: and trying to get on the bestseller lists and all that. Yeah, 366 00:18:57,600 --> 00:18:59,000 Speaker 1: I mean, like what's the point. 367 00:18:59,080 --> 00:19:02,359 Speaker 2: And I think so many people fall victim to like 368 00:19:02,640 --> 00:19:05,560 Speaker 2: wanting to live out somebody else's version of success because 369 00:19:05,600 --> 00:19:07,840 Speaker 2: that's just what they think they should want. And that's 370 00:19:07,840 --> 00:19:09,520 Speaker 2: something that I touch on in the book. Is just 371 00:19:09,600 --> 00:19:13,600 Speaker 2: this idea of all those things that are on your checklist, 372 00:19:13,760 --> 00:19:16,880 Speaker 2: like who put them on there? Is it your family, 373 00:19:17,160 --> 00:19:20,879 Speaker 2: your community, your friends, Like who's influencing the decisions that 374 00:19:20,880 --> 00:19:22,960 Speaker 2: you make when it comes to your career and how 375 00:19:23,000 --> 00:19:25,880 Speaker 2: you spend your money and the things that you prioritize, 376 00:19:26,000 --> 00:19:28,240 Speaker 2: you know. I know for me, I had a lot 377 00:19:28,280 --> 00:19:30,480 Speaker 2: of these things on my checklist that now looking back, 378 00:19:30,520 --> 00:19:32,200 Speaker 2: I'm like, I didn't even put this stuff on here. 379 00:19:32,520 --> 00:19:34,760 Speaker 2: This was just projected onto me, like I need to 380 00:19:34,800 --> 00:19:36,960 Speaker 2: go become an engineer because that's going to make me 381 00:19:37,000 --> 00:19:39,199 Speaker 2: a lot of money. I never asked myself like, is 382 00:19:39,200 --> 00:19:40,520 Speaker 2: that actually what you want to do? Is that going 383 00:19:40,560 --> 00:19:42,560 Speaker 2: to make you happy? Are you going to feel fulfilled 384 00:19:42,560 --> 00:19:45,800 Speaker 2: by this decision? The same thing with home ownership. It 385 00:19:45,840 --> 00:19:49,080 Speaker 2: was the pressure of well, you're turning thirty, and this 386 00:19:49,240 --> 00:19:52,040 Speaker 2: is just what responsible thirty something year olds do they 387 00:19:52,119 --> 00:19:55,520 Speaker 2: buy homes. But then looking back, I realized I don't 388 00:19:55,520 --> 00:19:58,600 Speaker 2: even like living in New Jersey at the time, Why 389 00:19:58,640 --> 00:20:00,280 Speaker 2: the hell would I buy a house to and be 390 00:20:00,320 --> 00:20:03,480 Speaker 2: stuck here, you know. And then it also represented me 391 00:20:03,560 --> 00:20:05,320 Speaker 2: having to stay in a career because. 392 00:20:05,160 --> 00:20:06,879 Speaker 1: I didn't want to do it. But now I have 393 00:20:07,000 --> 00:20:09,280 Speaker 1: this mortgage. So it's like all these things. 394 00:20:09,320 --> 00:20:12,680 Speaker 2: I had to dismantle this belief system about what success 395 00:20:12,760 --> 00:20:15,960 Speaker 2: looked like for me financially and be okay with like 396 00:20:16,040 --> 00:20:17,359 Speaker 2: disappointing a lot of people. 397 00:20:18,000 --> 00:20:22,400 Speaker 1: And that's hard, especially when they are the people who 398 00:20:23,880 --> 00:20:25,919 Speaker 1: I don't know, maybe before the Internet. I mean, I 399 00:20:25,920 --> 00:20:28,000 Speaker 1: think we were around long enough before the Internet, Like 400 00:20:28,040 --> 00:20:30,760 Speaker 1: we're the generation we built it, y'all. Okay, we really 401 00:20:30,920 --> 00:20:33,679 Speaker 1: made we made Twitter what it was, all right, but 402 00:20:33,960 --> 00:20:36,320 Speaker 1: still we remember a time without it, right, And you 403 00:20:36,359 --> 00:20:39,719 Speaker 1: really did look outside for that validation from parents, and 404 00:20:40,320 --> 00:20:43,560 Speaker 1: I mean from parents, from family, from friends and all 405 00:20:43,600 --> 00:20:47,000 Speaker 1: of that. Just what they think of you really matters. Yeah, 406 00:20:47,040 --> 00:20:50,320 Speaker 1: And now it's it's crazy because you can be so celebrated. 407 00:20:50,359 --> 00:20:53,000 Speaker 1: I think so much of your story, my story that's 408 00:20:53,040 --> 00:20:55,960 Speaker 1: like made for the Internet, like you know, came from 409 00:20:56,000 --> 00:20:58,639 Speaker 1: the bottom. Now we're here. People love a success story 410 00:20:58,640 --> 00:21:00,600 Speaker 1: and all of that pulled yourself up by your bootstraps, 411 00:21:00,600 --> 00:21:03,320 Speaker 1: got this online business. But to family and friends, it 412 00:21:03,359 --> 00:21:05,840 Speaker 1: may be like, what on earth is she? Like? What 413 00:21:05,960 --> 00:21:06,520 Speaker 1: is they doing? 414 00:21:06,680 --> 00:21:08,440 Speaker 2: Why are you putting their business out there? 415 00:21:09,160 --> 00:21:12,280 Speaker 1: Oh? Yes, yes, the personal stuff? Or don't put me 416 00:21:12,359 --> 00:21:14,800 Speaker 1: in there. I heard you talk about this on the podcast. 417 00:21:15,480 --> 00:21:18,760 Speaker 1: Was that about me? You know? I don't know if 418 00:21:18,800 --> 00:21:20,679 Speaker 1: I sometimes I cross the line just a little bit. 419 00:21:20,760 --> 00:21:23,240 Speaker 2: Me too. It's fine. My mom already knows to expect 420 00:21:23,680 --> 00:21:26,240 Speaker 2: you know, I have. I'm a loose can listening the 421 00:21:26,240 --> 00:21:33,760 Speaker 2: way that she was listening, I'm like, really every Wednesday. Well, okay, 422 00:21:33,840 --> 00:21:35,680 Speaker 2: So business wise, you mentioned at the beginning of the 423 00:21:35,720 --> 00:21:38,080 Speaker 2: show that you said serial entrepreneur, which I think is 424 00:21:38,080 --> 00:21:41,680 Speaker 2: such a sexy way to describe yourself, like cereal, and 425 00:21:41,720 --> 00:21:43,160 Speaker 2: it's kind of like dangerous. 426 00:21:43,280 --> 00:21:45,760 Speaker 1: You know. I watch a lot of murdery kind of stuff, 427 00:21:45,760 --> 00:21:47,760 Speaker 1: so that's where my mind goes a little bit. But 428 00:21:48,119 --> 00:21:51,119 Speaker 1: talk to me about all the different things you have 429 00:21:51,240 --> 00:21:56,879 Speaker 1: going on, because it is beyond your side hustle course 430 00:21:56,920 --> 00:21:59,080 Speaker 1: and all of that. Now, talk to us about the 431 00:21:59,119 --> 00:22:03,119 Speaker 1: evolution the financially lit Jocito Dineto universe. Yeah. 432 00:22:03,160 --> 00:22:06,400 Speaker 2: So I have been doing this whole content creation thing 433 00:22:06,440 --> 00:22:08,679 Speaker 2: for over a decade now, and I started in the 434 00:22:08,880 --> 00:22:13,440 Speaker 2: blogging space. So my first foray into online content creation 435 00:22:13,680 --> 00:22:16,919 Speaker 2: is a blog called delicolights dot com. It's still in 436 00:22:16,960 --> 00:22:20,119 Speaker 2: existence today and it's actually the foundation of like me 437 00:22:20,200 --> 00:22:22,520 Speaker 2: being able to walk away from corporate because now it's 438 00:22:22,560 --> 00:22:24,600 Speaker 2: like a six figure business that just kind of runs 439 00:22:24,640 --> 00:22:29,000 Speaker 2: itself and its content that I share primarily Latin recipes 440 00:22:29,040 --> 00:22:31,400 Speaker 2: that are influenced by my cultural upbringing as a Puerto 441 00:22:31,440 --> 00:22:38,639 Speaker 2: Rican woman. So after doing that for six years, I 442 00:22:38,760 --> 00:22:42,600 Speaker 2: was ready to shift into a new medium, if you will. 443 00:22:42,720 --> 00:22:45,159 Speaker 2: And by that point, I'd been listening to podcasts for 444 00:22:45,200 --> 00:22:49,920 Speaker 2: a while, and I focused in on like financial dependence 445 00:22:49,960 --> 00:22:52,359 Speaker 2: podcasts and was really inspired by the work that people 446 00:22:52,359 --> 00:22:54,840 Speaker 2: were doing. But I felt like I couldn't find a 447 00:22:54,880 --> 00:22:57,800 Speaker 2: podcast that was speaking primarily to latinas, and as a 448 00:22:57,840 --> 00:23:00,680 Speaker 2: first gen Latina who had to navigate, you know, applying 449 00:23:00,720 --> 00:23:04,400 Speaker 2: for student loan aid and going to college and doing 450 00:23:04,480 --> 00:23:08,280 Speaker 2: all these like first, I wanted to hear, like, how 451 00:23:08,960 --> 00:23:11,320 Speaker 2: do we achieve this American dream because there's been no 452 00:23:11,400 --> 00:23:14,040 Speaker 2: blueprint given to us, And so. 453 00:23:14,119 --> 00:23:18,879 Speaker 1: I quickly became reinvent that dream, yeah that too, or 454 00:23:18,920 --> 00:23:22,840 Speaker 1: dismantle it and reassemble it into something that you actually want. 455 00:23:22,880 --> 00:23:26,280 Speaker 2: Yeah, I think that's actually what's happening. But so I 456 00:23:26,600 --> 00:23:30,080 Speaker 2: became obsessed with personal finance and I continuously was the 457 00:23:30,160 --> 00:23:32,600 Speaker 2: friend in my friends circle who people would ask money 458 00:23:32,640 --> 00:23:34,480 Speaker 2: questions to because I was just always talking about it, 459 00:23:34,520 --> 00:23:37,240 Speaker 2: and people would watch like the fact that I have 460 00:23:37,400 --> 00:23:39,960 Speaker 2: this blog going on and I'm talking about side hustling 461 00:23:40,000 --> 00:23:42,919 Speaker 2: and blah blah blah. So after, you know, having repeated 462 00:23:42,960 --> 00:23:45,800 Speaker 2: conversations with friends, I decided maybe I should just start 463 00:23:45,800 --> 00:23:48,800 Speaker 2: a podcast, because if they have these questions, like maybe 464 00:23:48,800 --> 00:23:51,479 Speaker 2: other people on the internet have these questions. And so 465 00:23:51,560 --> 00:23:55,280 Speaker 2: in twenty nineteen, I launched Joccierto Linetto. Didn't have any 466 00:23:55,320 --> 00:23:57,439 Speaker 2: plans for like monetizing. It didn't even know how you 467 00:23:57,480 --> 00:24:00,679 Speaker 2: monetize the podcast. It just was another passion project, just 468 00:24:00,760 --> 00:24:01,320 Speaker 2: like the blog. 469 00:24:02,160 --> 00:24:03,840 Speaker 1: And by the. 470 00:24:03,800 --> 00:24:06,320 Speaker 2: End of twenty twenty it blown up to the point 471 00:24:06,359 --> 00:24:08,679 Speaker 2: where I had to make a decision, am I going 472 00:24:08,760 --> 00:24:11,719 Speaker 2: to go full time into this or am I going 473 00:24:11,760 --> 00:24:14,760 Speaker 2: to keep like juggling a forty to fifty hour work 474 00:24:14,800 --> 00:24:17,360 Speaker 2: week and building this on the side. And it got 475 00:24:17,359 --> 00:24:19,600 Speaker 2: to the point where I was having to take PTO 476 00:24:19,720 --> 00:24:22,720 Speaker 2: from my regular job to work on Yokero di Netto. 477 00:24:22,800 --> 00:24:24,720 Speaker 2: I was getting speaking engagements in the middle of the 478 00:24:24,800 --> 00:24:27,840 Speaker 2: day and like doing virtual workshops and all these types 479 00:24:27,880 --> 00:24:31,119 Speaker 2: of things. And I was making partly like four times 480 00:24:31,160 --> 00:24:33,360 Speaker 2: more than I was in corporate. So I'm like, well, 481 00:24:33,400 --> 00:24:35,560 Speaker 2: what the hell am I still doing here for this? 482 00:24:35,880 --> 00:24:38,680 Speaker 2: You know what am I doing this for? But then 483 00:24:38,800 --> 00:24:43,320 Speaker 2: everything came to a head when a coworker notified my 484 00:24:43,480 --> 00:24:47,560 Speaker 2: boss about like what was going on ooh, and I 485 00:24:47,720 --> 00:24:51,159 Speaker 2: was confronted in a meeting that there were suspicions that 486 00:24:51,160 --> 00:24:53,119 Speaker 2: I was going to quit because of you know, just 487 00:24:53,160 --> 00:24:55,440 Speaker 2: how I was blowing up on social media blah blah blah. 488 00:24:55,760 --> 00:24:58,200 Speaker 2: And I was asked by my manager like, straight up, 489 00:24:58,240 --> 00:25:01,600 Speaker 2: are you going to quit your job? And I had 490 00:25:01,600 --> 00:25:04,040 Speaker 2: not planned to do so at that very moment. I 491 00:25:04,080 --> 00:25:05,720 Speaker 2: was actually going to like wait out the rest of 492 00:25:05,720 --> 00:25:07,080 Speaker 2: the year to collect my bonus and. 493 00:25:07,080 --> 00:25:07,679 Speaker 1: All that stuff. 494 00:25:08,720 --> 00:25:12,480 Speaker 2: But I decided to just let her know, Yep, I'm quitting, 495 00:25:12,560 --> 00:25:14,800 Speaker 2: and actually I'm going to tender my resignation letter as 496 00:25:14,800 --> 00:25:16,000 Speaker 2: soon as we hop off with this call. 497 00:25:16,760 --> 00:25:18,360 Speaker 1: And I did that. 498 00:25:18,359 --> 00:25:23,520 Speaker 2: That was April thirtieth, twenty twenty one, and lo and 499 00:25:23,560 --> 00:25:27,600 Speaker 2: behold my new book, which documents. My whole journey in 500 00:25:27,640 --> 00:25:30,840 Speaker 2: this money world is coming out three years to the 501 00:25:30,920 --> 00:25:34,280 Speaker 2: day that I walked away from corporate and said, I'm 502 00:25:34,280 --> 00:25:35,240 Speaker 2: betting on myself. 503 00:25:36,400 --> 00:25:40,240 Speaker 1: Wow, hey, be a fan. We're going to take a 504 00:25:40,320 --> 00:25:46,240 Speaker 1: quick break and we'll be right back. Life is really 505 00:25:47,040 --> 00:25:49,560 Speaker 1: crazy and as much as you can be, like you know, 506 00:25:49,600 --> 00:25:51,639 Speaker 1: the universe and all that. But you did a lot 507 00:25:51,760 --> 00:25:54,399 Speaker 1: in between then and now. Yeah, to make it so 508 00:25:54,440 --> 00:25:56,080 Speaker 1: that your book has come out. I know we can't 509 00:25:56,119 --> 00:26:00,480 Speaker 1: plan like publishing schedules, But what was it about the 510 00:26:00,560 --> 00:26:01,959 Speaker 1: nine to Fox beause I want to go back to that. 511 00:26:02,000 --> 00:26:04,880 Speaker 1: What was it about that job that made you want 512 00:26:04,920 --> 00:26:07,080 Speaker 1: to keep one foot in even as you were building 513 00:26:07,119 --> 00:26:11,359 Speaker 1: this like these new business lines. Well, I think I 514 00:26:11,680 --> 00:26:13,920 Speaker 1: had a lot of it than the insurance. Yeah, well 515 00:26:14,040 --> 00:26:14,640 Speaker 1: the benefits. 516 00:26:14,680 --> 00:26:17,040 Speaker 2: I mean, they don't call them the golden handcuffs for 517 00:26:17,080 --> 00:26:19,120 Speaker 2: no reason, right, I mean I was making a steady 518 00:26:19,200 --> 00:26:23,520 Speaker 2: six figures a year, nice bonus. I had no legitimate 519 00:26:23,560 --> 00:26:27,840 Speaker 2: reason to leave from the external perspective, you know, I 520 00:26:27,880 --> 00:26:31,280 Speaker 2: had the dream job all that, but I just never 521 00:26:31,400 --> 00:26:34,800 Speaker 2: felt a sense of security that I think I was 522 00:26:34,920 --> 00:26:37,840 Speaker 2: sold as this is why we do this, And I 523 00:26:37,840 --> 00:26:40,240 Speaker 2: think a big part of why I always felt like 524 00:26:40,280 --> 00:26:42,560 Speaker 2: I needed to have my own way to make money 525 00:26:42,640 --> 00:26:46,560 Speaker 2: was because I graduated into the Great Recession. I literally 526 00:26:46,600 --> 00:26:50,840 Speaker 2: graduated six months before the entire economy tanked, and so 527 00:26:51,040 --> 00:26:55,639 Speaker 2: here I am watching colleagues, friends getting laid off. In 528 00:26:55,840 --> 00:26:59,840 Speaker 2: mass I'm seeing people who've been dedicating twenty thirty forty 529 00:27:00,040 --> 00:27:03,119 Speaker 2: years of their lives to companies just tossed away with 530 00:27:03,400 --> 00:27:05,880 Speaker 2: nothing more than you know, here's fifteen minutes to pack 531 00:27:05,920 --> 00:27:08,320 Speaker 2: your stuff and be on your way. And I think 532 00:27:08,359 --> 00:27:11,679 Speaker 2: for me, seeing that at twenty two, I'm like, oh, 533 00:27:11,760 --> 00:27:14,760 Speaker 2: wait a minute. So this whole safe and stable job 534 00:27:14,800 --> 00:27:16,840 Speaker 2: situation that people told me I would get when I 535 00:27:16,880 --> 00:27:20,280 Speaker 2: went into corporate it's not so safe and stable. I'm 536 00:27:20,320 --> 00:27:21,879 Speaker 2: going to need to have my own back. And so 537 00:27:21,960 --> 00:27:24,679 Speaker 2: I think I always operated from the perspective that my 538 00:27:24,800 --> 00:27:27,320 Speaker 2: paycheck was a means to an end. It was an 539 00:27:27,359 --> 00:27:31,720 Speaker 2: opportunity for me to you know, save, invest start businesses. 540 00:27:31,760 --> 00:27:34,040 Speaker 2: But ultimately, I don't think I was ever going to 541 00:27:34,080 --> 00:27:35,639 Speaker 2: be the type of person that said I could do 542 00:27:35,680 --> 00:27:37,679 Speaker 2: this for the rest of my life. I just I 543 00:27:37,720 --> 00:27:39,159 Speaker 2: was very disillusioned from the beginning. 544 00:27:39,840 --> 00:27:43,240 Speaker 1: M M, yeah, And I what I love about your 545 00:27:43,280 --> 00:27:45,119 Speaker 1: story is. It takes a real life It takes a 546 00:27:45,160 --> 00:27:48,640 Speaker 1: huge amount of faith in yourself because a lot of us, 547 00:27:49,800 --> 00:27:51,760 Speaker 1: you know, even when we started the podcast back in 548 00:27:51,800 --> 00:27:56,879 Speaker 1: twenty fifteen, it was it wasn't clear. I remember someone saying, like, 549 00:27:56,960 --> 00:27:59,359 Speaker 1: are you afraid you're going to alienate people by having 550 00:27:59,400 --> 00:28:04,199 Speaker 1: brown in the title? That's the point we want to 551 00:28:04,240 --> 00:28:08,639 Speaker 1: be specific. Yeah, and even like you know, we pitched it. 552 00:28:08,720 --> 00:28:10,479 Speaker 1: I pitched it to my employer at the time. I 553 00:28:10,520 --> 00:28:13,080 Speaker 1: was a writer at Yahoo Finance, and they were like, punk, 554 00:28:13,119 --> 00:28:15,639 Speaker 1: is we can't make any money off those yet, so no, 555 00:28:15,960 --> 00:28:18,679 Speaker 1: go figure. But then you just kind of do it anyway. 556 00:28:18,720 --> 00:28:21,720 Speaker 1: And it takes a level of like having faith in yourself. 557 00:28:21,720 --> 00:28:24,480 Speaker 1: And that's kind of after you know, I did the 558 00:28:24,480 --> 00:28:26,600 Speaker 1: podcast for eight years, you know, had the career in 559 00:28:26,680 --> 00:28:29,359 Speaker 1: journalism and marketing, but three years of doing Mandy money 560 00:28:29,359 --> 00:28:33,560 Speaker 1: Makers and career coaching and the common thing that I'm 561 00:28:33,560 --> 00:28:36,159 Speaker 1: actually coaching women through. Maybe you can identify with this 562 00:28:36,200 --> 00:28:39,000 Speaker 1: as well in your work. But it's self trust, like 563 00:28:39,120 --> 00:28:42,800 Speaker 1: having enough what do you need to make you trust 564 00:28:42,800 --> 00:28:47,600 Speaker 1: yourself enough to take a chance. And so that's why 565 00:28:47,640 --> 00:28:49,240 Speaker 1: I wanted to ask what was sort of keeping you 566 00:28:49,280 --> 00:28:51,280 Speaker 1: It doesn't seem like it was like you didn't trust it. 567 00:28:51,280 --> 00:28:53,000 Speaker 1: You could do it, but it was like this autopilot 568 00:28:53,040 --> 00:28:55,800 Speaker 1: almost of like I just have a job. That's which 569 00:28:55,800 --> 00:28:58,840 Speaker 1: you're you know you do and then yeah, wait a minute, 570 00:28:59,160 --> 00:29:03,160 Speaker 1: I actually don't have logical, like super logical reasons, like 571 00:29:03,160 --> 00:29:05,520 Speaker 1: I've taken those away. Mm hmm. Well it's your source 572 00:29:05,520 --> 00:29:08,239 Speaker 1: of income. Well I got others now, yeah, well you know, 573 00:29:08,360 --> 00:29:12,880 Speaker 1: and I just find that really amazing, and I I 574 00:29:12,920 --> 00:29:16,840 Speaker 1: want that for everyone, just to try something different and 575 00:29:16,880 --> 00:29:19,960 Speaker 1: then prove that you didn't well I wasn't say didn't die, 576 00:29:20,000 --> 00:29:22,600 Speaker 1: but you might try something and you know, it depends 577 00:29:22,600 --> 00:29:25,000 Speaker 1: on how risk it is. Yeah, I don't try like, 578 00:29:25,080 --> 00:29:28,520 Speaker 1: you know, eating foraged plants. I always watched that Lady 579 00:29:28,520 --> 00:29:33,800 Speaker 1: on because, like Kathie's nugging, don't die, you know, one 580 00:29:33,800 --> 00:29:34,880 Speaker 1: of the things yourself. 581 00:29:35,000 --> 00:29:37,040 Speaker 2: Yes, yeah, I think One of the things for me too, 582 00:29:37,080 --> 00:29:39,640 Speaker 2: that I realized is that a lot of the reasons 583 00:29:39,680 --> 00:29:41,640 Speaker 2: why we feel like we don't have the option to 584 00:29:41,720 --> 00:29:44,080 Speaker 2: like make a career pivot or like start a business 585 00:29:44,160 --> 00:29:46,840 Speaker 2: is because we have so many other obligations. And so 586 00:29:46,960 --> 00:29:48,720 Speaker 2: one of the big things for me that was keeping 587 00:29:48,760 --> 00:29:52,240 Speaker 2: me stuck. If you will was a bunch of student 588 00:29:52,280 --> 00:29:55,120 Speaker 2: loan debt and a mortgage and just owing a lot 589 00:29:55,160 --> 00:29:57,360 Speaker 2: of people a bunch of money, you know, credit card 590 00:29:57,440 --> 00:30:00,000 Speaker 2: debt and the like. And once I discovered the financial 591 00:30:00,040 --> 00:30:03,160 Speaker 2: independence movement, there was this recurring theme where it's like, 592 00:30:03,200 --> 00:30:06,320 Speaker 2: if you want options to change your career, to work less, 593 00:30:06,360 --> 00:30:09,520 Speaker 2: to live more, you got to stop owing people money. 594 00:30:09,960 --> 00:30:12,520 Speaker 2: And so that was my primary focus in the beginning. 595 00:30:12,560 --> 00:30:14,560 Speaker 2: Before I walked away from my job, I said, I 596 00:30:14,640 --> 00:30:17,200 Speaker 2: need to be student loan debt free because at least 597 00:30:17,200 --> 00:30:19,280 Speaker 2: with that, I know Uncle Sam's not going to be 598 00:30:19,320 --> 00:30:21,400 Speaker 2: coming after me, like trying to garnish my checks and 599 00:30:21,440 --> 00:30:24,360 Speaker 2: all that stuff. And so once I had that financial 600 00:30:24,400 --> 00:30:27,200 Speaker 2: freedom that comes from being debt free, I felt way 601 00:30:27,240 --> 00:30:29,920 Speaker 2: more comfortable to be able to manage the epps and 602 00:30:29,920 --> 00:30:31,440 Speaker 2: flows that come with entrepreneurship. 603 00:30:32,640 --> 00:30:34,720 Speaker 1: Yeah. So that is such a great testimony and to 604 00:30:35,120 --> 00:30:40,400 Speaker 1: and so relatable when it comes to what I was 605 00:30:40,440 --> 00:30:43,520 Speaker 1: talking about, like helping women define what is it that 606 00:30:43,560 --> 00:30:47,480 Speaker 1: you need to feel free? And debt is one of 607 00:30:47,520 --> 00:30:52,800 Speaker 1: the big issues debt and debt and healthcare. I would say, 608 00:30:53,120 --> 00:30:56,120 Speaker 1: because man, the way Golden talk about sign on bonuses 609 00:30:56,160 --> 00:30:58,960 Speaker 1: and all that, it's great but like just healthcare is 610 00:30:59,000 --> 00:31:02,840 Speaker 1: so yeah, out of the marketplace. What do you do 611 00:31:02,880 --> 00:31:05,520 Speaker 1: for healthcare now? I don't know if when you were 612 00:31:05,560 --> 00:31:10,000 Speaker 1: previously married, was your partner carrying the insurance? Did you do? Yeah? 613 00:31:10,040 --> 00:31:12,640 Speaker 1: So what do you do to post separation? How are 614 00:31:12,720 --> 00:31:15,320 Speaker 1: you you on the Obamacare plan? What's going on? 615 00:31:15,560 --> 00:31:18,600 Speaker 2: I am paying for my own I'm paying like five 616 00:31:18,640 --> 00:31:21,240 Speaker 2: hundred dollars a month for medical coverage. But that's because 617 00:31:21,240 --> 00:31:24,760 Speaker 2: I'm a single, you know, unmarried woman. But I do 618 00:31:24,840 --> 00:31:27,520 Speaker 2: think about that, you know, in the future. I just 619 00:31:27,560 --> 00:31:30,040 Speaker 2: signed up kids. I'm like, oh, this is gonna be 620 00:31:30,040 --> 00:31:32,440 Speaker 2: a reason why I need to increase my prices, because 621 00:31:32,480 --> 00:31:36,160 Speaker 2: these premiums are no jokes. And so, you know, entrepreneurs, 622 00:31:36,200 --> 00:31:38,440 Speaker 2: make sure that you are factoring in those costs that 623 00:31:38,440 --> 00:31:42,280 Speaker 2: you're giving up as a you know, career girly into 624 00:31:42,280 --> 00:31:44,440 Speaker 2: your pricing because we got to make up for that. 625 00:31:45,200 --> 00:31:47,680 Speaker 1: I'm saying. Yeah. I actually had a coaching session with 626 00:31:47,720 --> 00:31:50,480 Speaker 1: a woman from the Manny Moneymakers who just got let go. 627 00:31:50,680 --> 00:31:54,200 Speaker 1: She was anticipating it. She has her she has a 628 00:31:54,200 --> 00:31:56,040 Speaker 1: new business like a course and all this that she's 629 00:31:56,040 --> 00:31:58,280 Speaker 1: setting up, and she has a contract position lined up. 630 00:31:58,640 --> 00:32:00,920 Speaker 1: So she's not in dire straits, which is I'm always 631 00:32:00,920 --> 00:32:04,240 Speaker 1: preaching resilience, like create a soft landing for yourself. But 632 00:32:05,560 --> 00:32:07,080 Speaker 1: one of the things she was trying to figure out 633 00:32:07,080 --> 00:32:09,640 Speaker 1: her consulting rates. And I have a pretty simple calculator, 634 00:32:09,680 --> 00:32:11,720 Speaker 1: and it's basically like, how much do you want to 635 00:32:11,720 --> 00:32:14,080 Speaker 1: make is the first question, and a lot of people 636 00:32:14,120 --> 00:32:15,640 Speaker 1: get stuck so they base it on what they were 637 00:32:15,680 --> 00:32:18,480 Speaker 1: making before, like, oh, well, I was bringing home this 638 00:32:18,680 --> 00:32:20,560 Speaker 1: net before from my other job. And I'm like, this 639 00:32:20,600 --> 00:32:23,520 Speaker 1: is different. You're paying taxes on your own, you're paying 640 00:32:23,520 --> 00:32:26,440 Speaker 1: for your healthcare now. She's also a single pringle when 641 00:32:26,440 --> 00:32:31,160 Speaker 1: you're not single tax one according to the government, according 642 00:32:31,160 --> 00:32:34,680 Speaker 1: to the government, gets single, which means, you know, having 643 00:32:34,720 --> 00:32:37,840 Speaker 1: to carry her own insurance. And she and she was like, yeah, 644 00:32:37,840 --> 00:32:39,800 Speaker 1: I mean I'll go on that site and figure out 645 00:32:39,840 --> 00:32:42,560 Speaker 1: and then I'm like, no, let's go together healthcare dot gov. 646 00:32:42,680 --> 00:32:45,000 Speaker 1: Let's start here, what state you live in? Jersey? Okay, cool, 647 00:32:45,320 --> 00:32:47,080 Speaker 1: Let's figure out how much it's going to cost. Because 648 00:32:47,120 --> 00:32:49,800 Speaker 1: you you get you that's like the biggest expense. I 649 00:32:49,800 --> 00:32:52,480 Speaker 1: feel like for if you want insurance, which I think 650 00:32:52,520 --> 00:32:56,120 Speaker 1: most people should have it, right, just a little, just 651 00:32:56,160 --> 00:32:57,760 Speaker 1: a little, you can tell them you learn that on 652 00:32:57,840 --> 00:32:59,920 Speaker 1: brown ambition. I need health insurance. 653 00:33:00,120 --> 00:33:02,640 Speaker 2: Literally, it's one of those things where you hate paying 654 00:33:02,640 --> 00:33:04,080 Speaker 2: for it, but you're glad you have it when you 655 00:33:04,080 --> 00:33:04,440 Speaker 2: need it. 656 00:33:05,000 --> 00:33:07,760 Speaker 1: Pet insurance I don't know, not so much, but you know, 657 00:33:07,880 --> 00:33:09,800 Speaker 1: travel insurance when you book a flight. I don't know 658 00:33:09,840 --> 00:33:12,600 Speaker 1: about all that, but just regular, regular health insurance has 659 00:33:12,640 --> 00:33:16,840 Speaker 1: been known to keep people out of the poorhouse sometimes. Yeah, 660 00:33:16,880 --> 00:33:18,720 Speaker 1: so she needed to factor that in. And I'm like, 661 00:33:18,760 --> 00:33:21,840 Speaker 1: you got to get down and look at the numbers 662 00:33:21,840 --> 00:33:24,080 Speaker 1: and they may not be as scary, you know, even 663 00:33:24,120 --> 00:33:26,280 Speaker 1: just hearing you five hundred bucks, I'm like, oh, you know, 664 00:33:26,960 --> 00:33:28,959 Speaker 1: in the early days it was a lot more. It 665 00:33:29,000 --> 00:33:31,920 Speaker 1: was kind of all over the place. So just a 666 00:33:31,920 --> 00:33:34,040 Speaker 1: little un sexy entrepreneur. 667 00:33:34,280 --> 00:33:37,160 Speaker 2: Yeah, there's always a solution though, So I think that's 668 00:33:37,160 --> 00:33:39,360 Speaker 2: what I want people to realize, Like you can set 669 00:33:39,440 --> 00:33:41,320 Speaker 2: up your own four to one K, you can get 670 00:33:41,360 --> 00:33:44,120 Speaker 2: your own insurance. Like, don't let that be the reason 671 00:33:44,160 --> 00:33:46,160 Speaker 2: why you don't pursue this if you want to do it. 672 00:33:47,000 --> 00:33:50,000 Speaker 1: Absolutely, it's like I know one hundred percent. It's the 673 00:33:50,160 --> 00:33:52,120 Speaker 1: it's fighting the fears with facts, That's what I like 674 00:33:52,200 --> 00:33:54,840 Speaker 1: to call it. So the fear is well my four 675 00:33:55,000 --> 00:33:56,880 Speaker 1: one K, Well, here's a fuct you can get one 676 00:33:56,880 --> 00:34:00,719 Speaker 1: of them yourself. All that. I mean, you know it's different, 677 00:34:00,760 --> 00:34:04,920 Speaker 1: but it's not that different. Okay. So with the book 678 00:34:04,960 --> 00:34:10,880 Speaker 1: coming out with your new relationship, twenty twenty three, twenty 679 00:34:10,920 --> 00:34:13,239 Speaker 1: twenty four has been what would you call it, like 680 00:34:13,280 --> 00:34:17,000 Speaker 1: a year of just shift in your you know life 681 00:34:17,239 --> 00:34:19,480 Speaker 1: have How has it been showing up for you? Are 682 00:34:19,520 --> 00:34:23,759 Speaker 1: you feeling just incredible? Are you feeling like, oh, it's 683 00:34:23,800 --> 00:34:26,240 Speaker 1: just the start? How has it all felt? 684 00:34:26,800 --> 00:34:29,239 Speaker 2: I think twenty twenty three was the year where I 685 00:34:29,400 --> 00:34:34,960 Speaker 2: put myself first, like even in business, in my personal life, 686 00:34:35,040 --> 00:34:38,880 Speaker 2: I just I allowed myself to enjoy the fruits of 687 00:34:38,880 --> 00:34:41,239 Speaker 2: my labor because at that point, you know, I've been 688 00:34:41,400 --> 00:34:44,720 Speaker 2: doing this for over a decade and you have to 689 00:34:44,800 --> 00:34:48,759 Speaker 2: get off the freaking treadmill as an entrepreneur sometimes and 690 00:34:48,960 --> 00:34:52,560 Speaker 2: just reassess, like, am I still doing work that excites me? 691 00:34:52,960 --> 00:34:58,040 Speaker 2: Am I still enjoying this process? Are there areas where 692 00:34:58,080 --> 00:35:02,160 Speaker 2: I need to you know, refocus attention or just not 693 00:35:02,280 --> 00:35:04,880 Speaker 2: even bother? So I think twenty twenty three was a 694 00:35:04,880 --> 00:35:10,200 Speaker 2: big year of optimizing my life to enjoy more and 695 00:35:10,320 --> 00:35:11,000 Speaker 2: work less. 696 00:35:11,600 --> 00:35:13,239 Speaker 1: It was about how are we doing that? 697 00:35:13,800 --> 00:35:16,680 Speaker 2: So I think, Yeah, the biggest thing for me was 698 00:35:16,719 --> 00:35:18,759 Speaker 2: asking myself like when is enough enough? 699 00:35:19,120 --> 00:35:19,279 Speaker 1: Right? 700 00:35:19,320 --> 00:35:20,960 Speaker 2: And I think there's a lot of this pressure as 701 00:35:20,960 --> 00:35:24,680 Speaker 2: an entrepreneur to like always scale to the next milestone. 702 00:35:24,800 --> 00:35:27,120 Speaker 2: So you know, if you made one hundred K last year, 703 00:35:27,320 --> 00:35:28,799 Speaker 2: well you got to make two fifty and then you 704 00:35:28,840 --> 00:35:30,400 Speaker 2: got to make five hundred and then you got to 705 00:35:30,400 --> 00:35:33,440 Speaker 2: go scale to seven figures and blah blah blah, And 706 00:35:33,840 --> 00:35:37,640 Speaker 2: that's just never sat well with me. That whole mindset 707 00:35:37,760 --> 00:35:42,560 Speaker 2: just feels like a self induced prison sentence. 708 00:35:43,160 --> 00:35:44,919 Speaker 1: It feels kind of like a nine to five. 709 00:35:45,120 --> 00:35:47,600 Speaker 2: Yeah, And I'm just like, you know, for what, like 710 00:35:47,760 --> 00:35:50,960 Speaker 2: is my quality of life at this moment going to 711 00:35:51,080 --> 00:35:53,160 Speaker 2: change if I make another five hundred grand? 712 00:35:53,640 --> 00:35:53,920 Speaker 1: Nope? 713 00:35:54,719 --> 00:35:58,160 Speaker 2: Because I just don't need to be making seven figures 714 00:35:58,239 --> 00:36:01,759 Speaker 2: to enjoy the life that I want. And so I 715 00:36:01,760 --> 00:36:04,000 Speaker 2: think that's been my primary focus. It's like, when is 716 00:36:04,120 --> 00:36:06,680 Speaker 2: enough enough? Do I need to do all of these 717 00:36:06,719 --> 00:36:09,439 Speaker 2: other things that I see other people doing because quote 718 00:36:09,520 --> 00:36:13,000 Speaker 2: unquote again, is that my version of success or is 719 00:36:13,000 --> 00:36:15,360 Speaker 2: that somebody else's version of success? That now I'm putting 720 00:36:15,400 --> 00:36:17,280 Speaker 2: my pressure on myself to like achieve. 721 00:36:18,400 --> 00:36:20,360 Speaker 1: So I think that's been the biggest thing. It's just like, 722 00:36:20,400 --> 00:36:22,279 Speaker 1: what have you said no to in the process, Like, 723 00:36:22,320 --> 00:36:23,839 Speaker 1: what are some of those things on the note list 724 00:36:23,880 --> 00:36:25,640 Speaker 1: that I'm like, You're like, I'm good for now. 725 00:36:26,520 --> 00:36:29,279 Speaker 2: Memberships, you know, everybody keeps telling me I should start 726 00:36:29,280 --> 00:36:31,120 Speaker 2: a membership and I'm like, no, I. 727 00:36:31,040 --> 00:36:32,440 Speaker 1: Don't want to work more. 728 00:36:32,600 --> 00:36:36,160 Speaker 2: Yeah, or just like a subscription model based thing where 729 00:36:36,320 --> 00:36:39,040 Speaker 2: people pay, you know, for recurring revenue and things like that, 730 00:36:39,480 --> 00:36:41,279 Speaker 2: And I'm just like, but then that means I have 731 00:36:41,320 --> 00:36:44,240 Speaker 2: to continuously show up, I have to continuously create new content. 732 00:36:44,560 --> 00:36:48,880 Speaker 2: I'm basically on another freaking hamster wheel for what. That 733 00:36:49,000 --> 00:36:52,480 Speaker 2: is not my definition of like success as an entrepreneur. 734 00:36:52,560 --> 00:36:55,320 Speaker 2: It's just feeling like, now you're doing all of these things, 735 00:36:55,360 --> 00:36:58,839 Speaker 2: you've over committed and so you know, for me, it's 736 00:36:58,920 --> 00:37:01,359 Speaker 2: been just saying, you know what, that might be nice 737 00:37:01,360 --> 00:37:04,200 Speaker 2: to have, like recurring revenue, but does the business model 738 00:37:04,280 --> 00:37:06,680 Speaker 2: suit what I want to prioritize, which is having more 739 00:37:06,719 --> 00:37:09,359 Speaker 2: free time. No, so I'm not going to do it. 740 00:37:09,760 --> 00:37:11,759 Speaker 2: And I think one of the reasons why I'm able 741 00:37:11,800 --> 00:37:15,080 Speaker 2: to be like really flexible in my business is because 742 00:37:15,080 --> 00:37:17,040 Speaker 2: I have a bunch of different ways that I make money, 743 00:37:17,160 --> 00:37:17,920 Speaker 2: and so I can like. 744 00:37:19,560 --> 00:37:20,719 Speaker 1: And off right, I like. 745 00:37:21,000 --> 00:37:25,000 Speaker 2: Pull levers and push levers and focus attention in different 746 00:37:25,040 --> 00:37:27,600 Speaker 2: areas so that I never have to feel like, oh 747 00:37:27,600 --> 00:37:28,960 Speaker 2: my god, I'm never gonna be able to pay my 748 00:37:28,960 --> 00:37:32,080 Speaker 2: bills because I'm just making money in one specific way. 749 00:37:32,640 --> 00:37:33,080 Speaker 2: Mm hmm. 750 00:37:33,600 --> 00:37:36,239 Speaker 1: Yeah, I'm so proud, Like I think this was the 751 00:37:36,239 --> 00:37:39,680 Speaker 1: past couple of years have been the time when I'm like, oh, 752 00:37:39,719 --> 00:37:41,400 Speaker 1: you know the seeds that we planted it, even with 753 00:37:41,440 --> 00:37:44,040 Speaker 1: brown ambition years ago, I'm like, oh, this is We 754 00:37:44,480 --> 00:37:48,080 Speaker 1: didn't set out to make money. We didn't know how 755 00:37:48,120 --> 00:37:50,120 Speaker 1: because there were weren't really any models. It was like 756 00:37:50,320 --> 00:37:53,759 Speaker 1: Cereal was the huge podcast, you know. But anyway, but 757 00:37:53,880 --> 00:37:55,680 Speaker 1: now it's like Tiffany and I are both like, oh, 758 00:37:55,680 --> 00:38:03,000 Speaker 1: hey can take somebody. And it's become a quote unquote passive. 759 00:38:03,160 --> 00:38:07,040 Speaker 1: It feels passive because it's so damn fun, but in 760 00:38:07,120 --> 00:38:09,200 Speaker 1: terms of like, you know, we show up and we 761 00:38:09,320 --> 00:38:11,600 Speaker 1: kind of have this like well oiled machine and it 762 00:38:11,640 --> 00:38:14,560 Speaker 1: supplements everything else. And even as I'm working on my 763 00:38:14,600 --> 00:38:16,879 Speaker 1: book Journey, you know, I had to really pull push 764 00:38:16,920 --> 00:38:21,800 Speaker 1: down the lever of my my high touch community that 765 00:38:21,840 --> 00:38:23,640 Speaker 1: I have. I have the community that I all the 766 00:38:23,680 --> 00:38:26,400 Speaker 1: women who've joined. I still we still I do my 767 00:38:26,400 --> 00:38:29,840 Speaker 1: bi weekly coaching, which I just love, genuinely, just love talking. 768 00:38:29,880 --> 00:38:33,440 Speaker 1: They're like my friends now. But I'm like, oh, I 769 00:38:33,480 --> 00:38:35,600 Speaker 1: could I get to give myself space for the book 770 00:38:35,640 --> 00:38:38,040 Speaker 1: because I have, you know, this other income stream and 771 00:38:38,040 --> 00:38:40,000 Speaker 1: then you have the sprinkle type stuff I call like 772 00:38:40,040 --> 00:38:45,439 Speaker 1: the speaking engagement you can't plan for. Yeah, it's it's 773 00:38:45,520 --> 00:38:51,759 Speaker 1: not shabby. Have the income fluxtuat Well, are you in 774 00:38:51,800 --> 00:38:54,520 Speaker 1: a place now where you don't have these like income 775 00:38:54,560 --> 00:38:58,080 Speaker 1: fluctuations that are so drastic that they cause stress? Because 776 00:38:58,080 --> 00:39:01,480 Speaker 1: I think that for a lot of entrepreneurs. Tiffany talked 777 00:39:01,520 --> 00:39:03,759 Speaker 1: about this, like last year was tough year, you know 778 00:39:03,840 --> 00:39:05,719 Speaker 1: for partnerships and things like that, which is a lot 779 00:39:05,719 --> 00:39:09,439 Speaker 1: of ways that influencers make money. But can you speak 780 00:39:09,480 --> 00:39:12,440 Speaker 1: candidly about that? Why is my screen giving me a thought? 781 00:39:12,440 --> 00:39:16,040 Speaker 1: Oh that's so funny. Yeah I saw that. What's hilarious. 782 00:39:16,360 --> 00:39:24,960 Speaker 1: Thank you? Anyway, Yes, have you have you gotten to 783 00:39:25,080 --> 00:39:29,080 Speaker 1: a place where there's it seems to be like, oh, 784 00:39:29,120 --> 00:39:32,640 Speaker 1: I'm going to be okay, you know, yeah, Okay, I 785 00:39:32,680 --> 00:39:35,400 Speaker 1: don't think I have one hundred percent, but I'm curious 786 00:39:35,400 --> 00:39:35,839 Speaker 1: to hear what. 787 00:39:36,680 --> 00:39:39,759 Speaker 2: Yeah, I think So for me, because I have I think, 788 00:39:39,800 --> 00:39:42,279 Speaker 2: at this point, like eight different income streams, I can 789 00:39:42,320 --> 00:39:45,360 Speaker 2: always anticipate like meeting a specific baseline that I have 790 00:39:45,400 --> 00:39:48,000 Speaker 2: in my head, right so I know, like every month 791 00:39:48,000 --> 00:39:49,319 Speaker 2: at least as much is going to come in and 792 00:39:49,320 --> 00:39:52,040 Speaker 2: it's enough to cover expenses and payroll and whatever. And 793 00:39:52,120 --> 00:39:56,439 Speaker 2: so I also like plan ahead, you know, kind of 794 00:39:56,560 --> 00:39:59,279 Speaker 2: what's the thing I want to launch next month, or 795 00:39:59,320 --> 00:40:01,840 Speaker 2: what's the area of income that I want to focus 796 00:40:01,880 --> 00:40:04,640 Speaker 2: in on, just depending on whatever everything else that's going on. 797 00:40:05,080 --> 00:40:08,400 Speaker 2: So for me, I've gotten good at creating money consistently, 798 00:40:09,320 --> 00:40:12,360 Speaker 2: but I'm also like really financially conservative in general, Like 799 00:40:12,400 --> 00:40:16,120 Speaker 2: I do not have a big, luxurious, you know, multimillion 800 00:40:16,160 --> 00:40:19,480 Speaker 2: dollar home. I still rent, and I think that shocks 801 00:40:19,480 --> 00:40:21,880 Speaker 2: a lot of people because again it's this narrative of like, 802 00:40:21,920 --> 00:40:25,040 Speaker 2: once you're a certain level financially, like buying a house 803 00:40:25,080 --> 00:40:27,160 Speaker 2: is always going to make sense. And for me, I'm 804 00:40:27,160 --> 00:40:29,799 Speaker 2: just like, no, I don't really feel like working over 805 00:40:29,880 --> 00:40:31,879 Speaker 2: twenty k for a new roof right now. Like I'd 806 00:40:31,960 --> 00:40:34,520 Speaker 2: rather be able to pour that into my business if 807 00:40:34,560 --> 00:40:37,480 Speaker 2: I want to, you know, scale or create some new 808 00:40:37,520 --> 00:40:40,879 Speaker 2: process or whatever. I also keep a lot of cash 809 00:40:40,920 --> 00:40:43,560 Speaker 2: on hand as an entrepreneur. So I have like close 810 00:40:43,600 --> 00:40:46,239 Speaker 2: to a year's worth of operating expenses just sitting in 811 00:40:46,280 --> 00:40:49,040 Speaker 2: a high heal savings account, so that I know, like, 812 00:40:49,120 --> 00:40:52,320 Speaker 2: even if we have a consecutive number of like crappy months, 813 00:40:52,520 --> 00:40:55,680 Speaker 2: I'm good, Like nothing's going to derail that. And one 814 00:40:55,680 --> 00:40:57,080 Speaker 2: of the big things that gives me a lot of 815 00:40:57,160 --> 00:41:00,720 Speaker 2: peace of mind is that, again, before quick my job, 816 00:41:00,880 --> 00:41:03,600 Speaker 2: I wanted to get to a place where, let's say 817 00:41:04,280 --> 00:41:07,200 Speaker 2: I had to take an extended break from investing for retirement, 818 00:41:07,840 --> 00:41:10,000 Speaker 2: that that was going to be okay, and my retirement 819 00:41:10,040 --> 00:41:13,000 Speaker 2: was still going to be secured. So I focused a 820 00:41:13,040 --> 00:41:15,440 Speaker 2: lot while I was still in corporate of maxing out 821 00:41:15,440 --> 00:41:17,480 Speaker 2: my four oh one K and I took like my 822 00:41:17,600 --> 00:41:20,680 Speaker 2: bonuses and invested all of that stuff. So I am 823 00:41:20,719 --> 00:41:23,040 Speaker 2: at a place where if I never invest another dollar, 824 00:41:23,080 --> 00:41:25,760 Speaker 2: I'm going to have probably four or five million dollars 825 00:41:25,760 --> 00:41:28,040 Speaker 2: waiting for me when I'm sixty five years old. So 826 00:41:28,160 --> 00:41:30,880 Speaker 2: just having all these different things kind of working in 827 00:41:30,880 --> 00:41:33,759 Speaker 2: the background, and you know the fact that I have 828 00:41:33,800 --> 00:41:36,520 Speaker 2: the blog, I have podcast ads, I have affiliate marketing, 829 00:41:36,560 --> 00:41:39,920 Speaker 2: I do speaking, I have an airbnb so there's like 830 00:41:39,960 --> 00:41:42,240 Speaker 2: a lot of different ways that I can earn money, 831 00:41:42,280 --> 00:41:44,880 Speaker 2: and it just has given me a lot more consistency 832 00:41:44,880 --> 00:41:47,040 Speaker 2: than again, just like relying on the single income source, 833 00:41:48,000 --> 00:41:48,600 Speaker 2: it's given me. 834 00:41:48,640 --> 00:41:54,920 Speaker 1: Power agency pull that ouside just like that, right, Ahijanise, 835 00:41:54,960 --> 00:41:56,520 Speaker 1: It has been such a pleasure to have you on 836 00:41:56,560 --> 00:42:03,000 Speaker 1: the show. Congratulations on just all the incredible just I 837 00:42:03,360 --> 00:42:06,239 Speaker 1: hope that this book tour, this moment of getting to 838 00:42:06,320 --> 00:42:08,880 Speaker 1: embrace the people who love you and adore you and 839 00:42:08,960 --> 00:42:11,360 Speaker 1: your community that you've built is everything that you deserve 840 00:42:11,560 --> 00:42:16,480 Speaker 1: it to be. I'm so happy that that gorgeous face 841 00:42:16,800 --> 00:42:19,319 Speaker 1: is gonna be on bookshelves. I can't wait to go 842 00:42:19,480 --> 00:42:20,760 Speaker 1: see it out in the wild. 843 00:42:20,880 --> 00:42:23,239 Speaker 2: Please make sure to cover up Dave Ramsey's face with 844 00:42:23,320 --> 00:42:25,080 Speaker 2: my book when you're in your local bookstore. 845 00:42:26,719 --> 00:42:30,279 Speaker 1: Listen. I do it every time I'm at Target. And like, 846 00:42:30,560 --> 00:42:32,279 Speaker 1: Tiffany is one of the only women of color who 847 00:42:32,280 --> 00:42:34,839 Speaker 1: got a finance book, and I'm just like scooped over, sir, 848 00:42:35,920 --> 00:42:39,880 Speaker 1: You'll be fine. But even without that, it's just like, 849 00:42:40,400 --> 00:42:42,839 Speaker 1: you know, there's a there's space for Dave Ramsey. It's 850 00:42:42,840 --> 00:42:44,320 Speaker 1: always won't be a space for him, you know what 851 00:42:44,360 --> 00:42:46,319 Speaker 1: I'm saying. But there's also a space for you and 852 00:42:46,840 --> 00:42:48,920 Speaker 1: all that you had to offer. So y'all go get 853 00:42:48,960 --> 00:42:53,120 Speaker 1: her book financially litbook dot com. I got it, and 854 00:42:53,200 --> 00:42:56,719 Speaker 1: please go check out her podcast. Yo kyoto to Nato Janie, 855 00:42:57,280 --> 00:43:02,239 Speaker 1: my darling, my love, my little nugget. Thank you for 856 00:43:02,320 --> 00:43:04,399 Speaker 1: joining the show again and I can't wait to see 857 00:43:04,400 --> 00:43:06,720 Speaker 1: you on your New York City book tour stop. 858 00:43:06,920 --> 00:43:09,239 Speaker 2: Thank you so much and shout out to you and 859 00:43:09,360 --> 00:43:13,560 Speaker 2: Tiffany for being one of the OG's in this space 860 00:43:14,000 --> 00:43:17,440 Speaker 2: giving permission to women of color to talk about money unapologetically, 861 00:43:17,480 --> 00:43:19,520 Speaker 2: because honestly, none of us that get to do this 862 00:43:19,600 --> 00:43:23,239 Speaker 2: now would be where we are without your paving the 863 00:43:23,239 --> 00:43:23,799 Speaker 2: path for us. 864 00:43:23,840 --> 00:43:27,360 Speaker 1: So thank you. Wow, that is really generous and I 865 00:43:27,360 --> 00:43:30,799 Speaker 1: will try to receive it even though it made me 866 00:43:30,880 --> 00:43:36,920 Speaker 1: sweat a little bit a little prickle. Thanks Denise,