WEBVTT - Financially Lit ft. Jannese Torres

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<v Speaker 1>Hey ba fam, I am joined today by an incredible guest.

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<v Speaker 1>She has been on the show before and after. Now

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<v Speaker 1>that I've had the conversation with Denise, I just written

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<v Speaker 1>I talk to her, I'm like, Oh, you're actually a

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<v Speaker 1>human ray of sunshine and such a like a real

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<v Speaker 1>down to earth, powerful, quietly powerful woman who just is

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<v Speaker 1>really grounded in her impact. She's grounded in what she

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<v Speaker 1>wants out of life and the value she brings to others.

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<v Speaker 1>And I just feel better after spending time chatting with Denise,

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<v Speaker 1>And I'm just so excited for her, and her book

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<v Speaker 1>is coming out. You guys are going to hear all

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<v Speaker 1>about it. But let me tell y'all for those who

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<v Speaker 1>are not aware of Denise Torres, my one of my

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<v Speaker 1>favorite people just in life. Right now, I'll tell you

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<v Speaker 1>a little bit about her before we get into our chat.

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<v Speaker 1>She is an award winning Latina money expert in entrepreneurship coach.

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<v Speaker 1>She became an accidental entrepreneur after job loss led her

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<v Speaker 1>to create a successful Latin food blog called Delish Delights.

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<v Speaker 1>But as you'll hear in our conversation, that is just

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<v Speaker 1>one of almost ten different business revenue streams that she

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<v Speaker 1>has built for herself over the past decade and today,

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<v Speaker 1>Janice helps clients and listeners build successful online businesses that

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<v Speaker 1>allow them to pursue financial independence and freedom, not just

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<v Speaker 1>from the nine to five grind, but the freedom to

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<v Speaker 1>redefine what success means for you. And we'll talk about

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<v Speaker 1>how Janice has redefined what success means for her even

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<v Speaker 1>as an influencer and entrepreneur herself. Like there's things that

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<v Speaker 1>she's been like, oh, hell no, I can make money

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<v Speaker 1>from that, but no, I don't want to because I

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<v Speaker 1>actually want some free time. So if we get into

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<v Speaker 1>everything everything from her dating life after divorce to building,

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<v Speaker 1>like we said, the multiple businesses that she has and

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<v Speaker 1>sort of how the how building a business online can

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<v Speaker 1>even make you feel disconnected from reality and from community,

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<v Speaker 1>but how she's counterbalanced that so that she has created

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<v Speaker 1>this incredible yokidto de Naro family. And Janice has always

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<v Speaker 1>focused on her impact. She's on a mission to educate

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<v Speaker 1>marginalized communities on entrepreneurship, investing and building generational wealth. And

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<v Speaker 1>her podcast Jokito di Nero, you have to go check

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<v Speaker 1>it out. And without further ado, let's just get on

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<v Speaker 1>into our conversation with Denise. Oh and by the way,

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<v Speaker 1>don't forget to go pick up her brand new, first

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<v Speaker 1>ever book. You will be hard pressed to miss it

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<v Speaker 1>on bookshelves because you just look for the sign that

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<v Speaker 1>says financially lit with the gorgeous blonde and the hot

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<v Speaker 1>pink power suit on the cover. It is everything. Please

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<v Speaker 1>go pick up your copy. You can also head to

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<v Speaker 1>financially litbook dot com. And Jenis is going on a booktory. Y'all,

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<v Speaker 1>so join me. I'm going to be at her stop

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<v Speaker 1>in New York City on May second, I believe, So

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<v Speaker 1>join us celebrate this incredible woman and all she has

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<v Speaker 1>to offer, and I will let I'll get out of

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<v Speaker 1>my way. So y'all can hear my conversation with Jennie's

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<v Speaker 1>right now? All right to be a fam? I almost

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<v Speaker 1>said me hyn't they? But I guess totally can say mehn, Hello,

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<v Speaker 1>v a fam. I am joined by friend of the show,

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<v Speaker 1>friend of me, the beautiful, the talented, the incredible Janie Torres,

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<v Speaker 1>who has a brand new, gorgeous book coming out. I

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<v Speaker 1>know that it's full of facts and insights for anyone

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<v Speaker 1>who wants to learn how to get their financial issue together. Jenise.

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<v Speaker 1>But can I just say the cover, it's everything, Thank

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<v Speaker 1>you Barbie. Before did you even know Barbarie was going

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<v Speaker 1>to be a cultural phenomenon? I did not the memo. Okay,

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<v Speaker 1>that the hot pink with the blonde that is serendipitous

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<v Speaker 1>on another level. But your brand new book, financially Lit

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<v Speaker 1>the mod I'm reading it from behind you The Modern

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<v Speaker 1>Latina's Guide to level Up? Wait, read the whole thing.

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<v Speaker 1>What's it called? I'm always bad at the subtitle?

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<v Speaker 2>Yes, it's financially Lit. The Modern Latina's Guide to level

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<v Speaker 2>Up your dinetto and become financially bodosa O.

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<v Speaker 1>I love that. So, if you guys have not heard

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<v Speaker 1>our show with Jeannie's in the past, give the folks

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<v Speaker 1>a little tidbit. How would you describe yourself today? Sort

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<v Speaker 1>of like what is the Jenese package people can expect.

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<v Speaker 2>Yes, So, I am a personal finance podcaster, educator, business coach,

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<v Speaker 2>and serial entrepreneur that helps women of color financially level up.

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<v Speaker 2>And I do that in a lot of different ways.

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<v Speaker 2>I love focusing on the areas of financial independence and

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<v Speaker 2>entrepreneurship because that has been my path to breaking out

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<v Speaker 2>of the corporate rat race, retiring from my engineering career

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<v Speaker 2>in my mid thirties and now being able to pursue

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<v Speaker 2>basically a life built around options and freedom. And it's

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<v Speaker 2>all been thanks to learning about money.

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<v Speaker 1>Yes, absolutely, and Denise, I was a fan before I

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<v Speaker 1>was a friend. I think forget I went through this

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<v Speaker 1>moment when I launched my business a few years ago.

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<v Speaker 1>It'll be three years this June, my business adversary, and

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<v Speaker 1>I remember I probably told the story before, but I

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<v Speaker 1>remember kind of thinking, oh, I need new friends because

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<v Speaker 1>I don't have a lot of friends. I mean, obviously

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<v Speaker 1>I have Tiffany, but it had been the pandemic. It

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<v Speaker 1>had I had been in a nine to five, more

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<v Speaker 1>traditional career, and even like I said with the podcast,

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<v Speaker 1>I really just knew Tiffany. I didn't go out of

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<v Speaker 1>my way to form new connections because see also pandemic baby, right.

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<v Speaker 1>I was in a little bit of a haze anyhow.

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<v Speaker 1>But one of my the very first work trip I

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<v Speaker 1>ever took was to finn Con. But prior to that,

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<v Speaker 1>which is I got to meet you in person them,

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<v Speaker 1>But prior to that, I was like, I need to

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<v Speaker 1>reach out to people that I'm seeing, like really kill it?

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<v Speaker 1>Who are fun and seem fun, and you're one of

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<v Speaker 1>the first people I reached out to just to be like, Hi, Ah,

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<v Speaker 1>I'd love to talk on the internet.

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<v Speaker 2>Yeah, the pandemic was a really special time for like

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<v Speaker 2>personal finance influencers. I think it was just like a

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<v Speaker 2>boom and we got to meet so many interesting, incredible

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<v Speaker 2>people thanks to the algorithm.

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<v Speaker 1>Yeah, a shout out to those algos and we love them,

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<v Speaker 1>but we also hate them. Yes, I actually wanted to

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<v Speaker 1>talk to you. I know that I was texting just

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<v Speaker 1>to kind of see what you wanted to touch on today.

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<v Speaker 1>And I for sure want to chat about the personal

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<v Speaker 1>and where that sort of intersects with the business side

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<v Speaker 1>and the financial side for you. But Ai, I'm dying

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<v Speaker 1>to talk to you about it because you know, a

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<v Speaker 1>huge part of your entrepreneurial journey has been teaching people

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<v Speaker 1>how to start side hustles with a blog, right. And

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<v Speaker 1>I also I have had blogs over the years, but

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<v Speaker 1>my backgrounds and journalism as a journalist for many years,

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<v Speaker 1>I still kind of am like somewhat a journalist. I

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<v Speaker 1>don't know, I hold myself accountable. But also I was

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<v Speaker 1>in content marketing, which is SEO. It's search engine optimization.

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<v Speaker 1>It's creating content that Google is the algorithm again, is

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<v Speaker 1>gonna up on a silver platter on the search results page.

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<v Speaker 1>And I just know, like before I left that, before

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<v Speaker 1>I left that space content marketing in twenty twenty one,

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<v Speaker 1>it was like AI was becoming a thing, and I

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<v Speaker 1>remember feeling really uncomfortable about other sites competitors of ours

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<v Speaker 1>that I heard who were using AI to create content.

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<v Speaker 1>I don't want to go down that rabbit hole just yet,

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<v Speaker 1>but I'm just like bookmarking it in my brain for later. Yeah,

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<v Speaker 1>but let's bring it to the book. Okay, your book

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<v Speaker 1>is coming out. If you guys have not gotten your copy,

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<v Speaker 1>where can they go to grab one? Do you have?

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<v Speaker 1>What's the main website? Is it?

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<v Speaker 2>Financially litbook dot com? Super easy to remember, and you

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<v Speaker 2>can order both the hard copy and the audiobook version.

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<v Speaker 2>Which I was just informed that we were named one

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<v Speaker 2>of Audible's most buzzworthy releases of twenty twenty four. WHOA,

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<v Speaker 2>which is wild because you think about just like how

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<v Speaker 2>many audiobooks come out in a single quarter. It's like,

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<v Speaker 2>holy crap, somebody's listening to this and somebody likes it.

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<v Speaker 1>Well, the thing is like if you love which you know,

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<v Speaker 1>your podcast Yo Kioto Dinano, which everyone should check out,

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<v Speaker 1>is wonderful, and I think you can listen to. I mean,

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<v Speaker 1>how many hours is your audiobook?

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<v Speaker 2>Oh, it's I think at least like eight hours.

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<v Speaker 1>I hope that's like eight episodes of the show, you know,

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<v Speaker 1>So I feel like if fans have been hearing you

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<v Speaker 1>in that format, it's I think it's great. I love

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<v Speaker 1>audio books myself. Yeah, me too, But let's take that off.

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<v Speaker 1>You're going on your book tour, so you're gonna be

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<v Speaker 1>hitting some big cities.

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<v Speaker 2>You're coming to Yo, coming to New York, Dallas, La, Tampa, Miami, Orlando, and.

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<v Speaker 1>More stops on the way.

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<v Speaker 2>So I'm really excited to just see and hug real

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<v Speaker 2>life people because, you know, just like you, my personal

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<v Speaker 2>finance brand blew up during the pandemic, so I'm still

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<v Speaker 2>like just getting a chance to get out there and

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<v Speaker 2>be amongst the community. And I think that's honestly my

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<v Speaker 2>favorite part of this whole thing. Do you feel, genuinely?

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<v Speaker 1>Because I was just to like ticket some more real

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<v Speaker 1>not that we haven't been real, but I was listening.

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<v Speaker 1>I told you, I was blow drying my hair and

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<v Speaker 1>I was listening to in between the blow drawing. You

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<v Speaker 1>know you have downtimes resting my arm. I was listening

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<v Speaker 1>to this incredible episode of I Love Estare Perell's podcast,

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<v Speaker 1>Where Should We Begin? She's a relationship sex expert. You know,

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<v Speaker 1>she's gone viral on multiple TED talks and anyway, her

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<v Speaker 1>and Brene Brown got together at I think it was

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<v Speaker 1>south By What happens in Texas? Was it south By? South?

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<v Speaker 1>I think so, yeah, I think Austin, Yeah, something in

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<v Speaker 1>Austin AnyWho, And they were talking about AI a little bit,

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<v Speaker 1>but really they were talking about like the the level

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<v Speaker 1>of loneliness even though we have so many friends online,

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<v Speaker 1>which isn't necessarily a new topic, but something that they

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<v Speaker 1>said really resonated with me. It was like the kind

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<v Speaker 1>of content that does so well even though you know,

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<v Speaker 1>being online is sort of like this. It's like a

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<v Speaker 1>shield that we use to connect with people who but

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<v Speaker 1>we're not really like you have a thousand friends, But

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<v Speaker 1>who's going to feed your cat? Is the question that

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<v Speaker 1>they pose. However, they do draw this connection to how

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<v Speaker 1>the content that really goes viral and connects with people

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<v Speaker 1>is often very personal, very like vulnerable, and I think

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<v Speaker 1>of you in there, because you have been I think

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<v Speaker 1>vulnerable and sharing a lot of your personal journey, not

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<v Speaker 1>just from working nine to five and that toxic culture

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<v Speaker 1>and engineering and all that, but even in your your

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<v Speaker 1>personal life, personal personal life. You know, you talk about

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<v Speaker 1>deciding how long has it been? Has it been a

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<v Speaker 1>year yet? Two years? Yeah, it'll be two years in November.

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<v Speaker 1>In November, okay, so here and a half ish since

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<v Speaker 1>your since you separated from your then husband and you've

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<v Speaker 1>been divorced, and you, you know, you share that, And

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<v Speaker 1>I just wondered, as you're talking about getting to hug

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<v Speaker 1>and like physically be present with your community, have you

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<v Speaker 1>felt that human connection through the community that you've built

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<v Speaker 1>to feel like authentic and real and how has that

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<v Speaker 1>helped you during these like difficult times, not just personal

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<v Speaker 1>but the pandemic on top of that. Yeah?

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<v Speaker 2>Absolutely, I mean, I think the impact of what we

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<v Speaker 2>do as financial educators. You can see metrics, right, you

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<v Speaker 2>can look at your analytics and just how many downloads

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<v Speaker 2>did the podcast get or how many likes did this

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<v Speaker 2>post get. But when you meet actual people and they

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<v Speaker 2>burst into tears meeting you, which has happened to me

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<v Speaker 2>multiple times, or I get like spotted out in the

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<v Speaker 2>world and they're like, oh my god, it's you.

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<v Speaker 1>I listened to your show.

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<v Speaker 2>You realize that, like these are whole ass humans that

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<v Speaker 2>are listening to your content, that are taking in your information.

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<v Speaker 2>And I think it's a good reminder for me to

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<v Speaker 2>just like take the job seriously because you can have

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<v Speaker 2>real impact, you know, and when people trust you, I

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<v Speaker 2>think that's the most valuable form of currency that we

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<v Speaker 2>can have as business owners. That is literally how brands

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<v Speaker 2>are built on trust. And so I take that very

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<v Speaker 2>seriously and I'm not afraid to, like, you know, put

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<v Speaker 2>my flag in the sand and like this is where

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<v Speaker 2>I draw the line. And I'm not just going to

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<v Speaker 2>go hop on another trend because that's what people are doing.

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<v Speaker 1>Like if I don't.

0:12:15.240 --> 0:12:19.680
<v Speaker 2>Genuinely endorse something or just believe something, I'm just never

0:12:19.720 --> 0:12:22.280
<v Speaker 2>going to be the type of creator that takes a

0:12:22.320 --> 0:12:24.920
<v Speaker 2>big enough check to you know, look the other way.

0:12:25.840 --> 0:12:29.439
<v Speaker 2>And yeah, I mean for me, as somebody who primarily

0:12:29.480 --> 0:12:31.200
<v Speaker 2>obviously works from home, a lot of the work I

0:12:31.240 --> 0:12:34.480
<v Speaker 2>do is virtual, it's great to just get out there

0:12:34.600 --> 0:12:38.120
<v Speaker 2>and remember that these are actual people people that buy

0:12:38.160 --> 0:12:41.200
<v Speaker 2>my courses and that review the show and that support

0:12:41.280 --> 0:12:42.480
<v Speaker 2>the work that I'm doing.

0:12:43.880 --> 0:12:46.120
<v Speaker 1>It's it's very humbling and I'm really grateful for it.

0:12:46.920 --> 0:12:49.880
<v Speaker 1>I'm really excited for you to get that experience too,

0:12:50.120 --> 0:12:52.960
<v Speaker 1>to be loved by your people. Thank you, you know,

0:12:53.200 --> 0:12:55.480
<v Speaker 1>and I'll be there cheering you on as well. Yay,

0:12:56.679 --> 0:12:58.960
<v Speaker 1>which I'm excited to squeeze you too, you little nugget.

0:13:00.000 --> 0:13:01.760
<v Speaker 1>I remember meeting you for the first time being like, oh,

0:13:01.760 --> 0:13:02.960
<v Speaker 1>everybody is such a peanut.

0:13:03.120 --> 0:13:06.959
<v Speaker 2>Yes, everything so much taller on social media than they are.

0:13:07.880 --> 0:13:11.560
<v Speaker 1>Those angles. We know how to make an angle. But

0:13:12.240 --> 0:13:15.160
<v Speaker 1>uh yeah, and not only that, but well, I also

0:13:15.240 --> 0:13:17.560
<v Speaker 1>I think about you and your love for Zoomba, which

0:13:17.880 --> 0:13:20.120
<v Speaker 1>I was a diehard zoom for Freak as well. I

0:13:20.200 --> 0:13:22.800
<v Speaker 1>kind of fell off because there's not a good class

0:13:22.880 --> 0:13:25.199
<v Speaker 1>up here where I live in my goodness. Yeah, it's

0:13:25.280 --> 0:13:28.959
<v Speaker 1>very annoying. There's no flavor. That's not true. There's flavor,

0:13:29.080 --> 0:13:31.800
<v Speaker 1>but not and there's not not you know, convenient to

0:13:31.840 --> 0:13:34.880
<v Speaker 1>me and where I live, but Zoomba too. Like, I

0:13:35.040 --> 0:13:36.600
<v Speaker 1>just wonder what are some of the ways as an

0:13:36.640 --> 0:13:40.920
<v Speaker 1>online entrepreneur yourself that you have found to stay connected

0:13:41.000 --> 0:13:44.080
<v Speaker 1>and to not get into that trap of working in

0:13:44.120 --> 0:13:46.680
<v Speaker 1>a vacuum, and what is all this for. I don't

0:13:46.720 --> 0:13:49.720
<v Speaker 1>have anybody like you've got. You have so much. You

0:13:49.720 --> 0:13:52.880
<v Speaker 1>have a rich life, not just in business and finances,

0:13:52.920 --> 0:13:56.120
<v Speaker 1>but how yeah, how what are the ways and strategies

0:13:56.120 --> 0:13:58.800
<v Speaker 1>that you use just to keep grounded and to stay connected.

0:13:59.240 --> 0:14:01.960
<v Speaker 2>I think it is having an entire life off of

0:14:02.000 --> 0:14:04.600
<v Speaker 2>social media. You know. It's like this is just one

0:14:04.640 --> 0:14:07.360
<v Speaker 2>small part of what people see. But you know, I

0:14:07.440 --> 0:14:10.120
<v Speaker 2>have friends. Two of my best friends are people that

0:14:10.160 --> 0:14:11.840
<v Speaker 2>I went to like grammar school with that we've known

0:14:11.880 --> 0:14:13.680
<v Speaker 2>each other since we're eleven years old, you know, and

0:14:13.840 --> 0:14:14.880
<v Speaker 2>they're just normal people.

0:14:14.880 --> 0:14:17.160
<v Speaker 1>They're not out here like always jealous of stories like that.

0:14:17.240 --> 0:14:20.920
<v Speaker 1>I ain't got nobody from my grammar school years. College

0:14:20.960 --> 0:14:21.920
<v Speaker 1>is where I kind of pick up.

0:14:22.040 --> 0:14:24.680
<v Speaker 2>Yeah yeah, I mean like there's just you know, my

0:14:24.800 --> 0:14:26.960
<v Speaker 2>family is still just sees Janie.

0:14:27.040 --> 0:14:27.240
<v Speaker 1>You know.

0:14:27.280 --> 0:14:30.360
<v Speaker 2>My partner didn't even know like what I did when

0:14:30.360 --> 0:14:33.200
<v Speaker 2>we first met, and he's still like, Okay, that's cool,

0:14:33.200 --> 0:14:35.040
<v Speaker 2>but like that's not why I'm with you, you know.

0:14:35.120 --> 0:14:39.920
<v Speaker 2>So there's just like so many reminders that our identities

0:14:40.120 --> 0:14:42.000
<v Speaker 2>as entrepreneurs and as creators.

0:14:42.000 --> 0:14:43.560
<v Speaker 1>That's just like one small sliver.

0:14:44.240 --> 0:14:46.680
<v Speaker 2>And I think the best way that I do or

0:14:46.720 --> 0:14:48.560
<v Speaker 2>the best way that I can stay grounded, is just

0:14:48.920 --> 0:14:51.160
<v Speaker 2>not letting that consume me and not letting that be

0:14:51.240 --> 0:14:54.080
<v Speaker 2>the focus of all of my energy, because you know,

0:14:54.120 --> 0:14:56.840
<v Speaker 2>at the end of the day, like they say, nobody

0:14:56.920 --> 0:15:00.400
<v Speaker 2>writes your title on your tombstone. You know, that's not

0:15:00.440 --> 0:15:03.320
<v Speaker 2>why people remember you. It's about the impact that you had,

0:15:03.360 --> 0:15:04.840
<v Speaker 2>the time that you poured into the people that you

0:15:04.880 --> 0:15:07.440
<v Speaker 2>care about. So that has to be the focus because

0:15:07.520 --> 0:15:09.280
<v Speaker 2>what was it all for at the end of the day.

0:15:10.080 --> 0:15:12.640
<v Speaker 1>So what is it that makes your life outside of

0:15:12.680 --> 0:15:16.200
<v Speaker 1>like work and the online grind and this book tour?

0:15:16.400 --> 0:15:18.320
<v Speaker 1>What are you doing that is feeding you back?

0:15:19.360 --> 0:15:22.360
<v Speaker 2>Well, I'm definitely involving my family in like a big

0:15:22.400 --> 0:15:25.520
<v Speaker 2>part of this journey. So my sister is actually going

0:15:25.560 --> 0:15:29.560
<v Speaker 2>to moderate my talk in Tampa. My dad's going to

0:15:29.600 --> 0:15:32.640
<v Speaker 2>be going with me to WNYC Studios to like watch

0:15:32.680 --> 0:15:33.640
<v Speaker 2>me do an interview.

0:15:34.160 --> 0:15:35.760
<v Speaker 1>My mom's going to be coming on the book tour.

0:15:35.840 --> 0:15:37.960
<v Speaker 2>So just like the fact that I get to share

0:15:38.480 --> 0:15:40.560
<v Speaker 2>what I'm doing with them in a way that you know,

0:15:40.600 --> 0:15:42.040
<v Speaker 2>they say it online and stuff, but they don't get

0:15:42.040 --> 0:15:44.880
<v Speaker 2>to experience it on that level. I'm really excited to

0:15:44.960 --> 0:15:48.240
<v Speaker 2>just bring them into my world because they've been the

0:15:48.240 --> 0:15:49.160
<v Speaker 2>biggest support.

0:15:49.320 --> 0:15:50.480
<v Speaker 1>You know, even though they thought it.

0:15:50.400 --> 0:15:53.720
<v Speaker 2>Was nuts, they also have just understood that, like I

0:15:53.800 --> 0:15:56.920
<v Speaker 2>had a vision and to trust me with it. So

0:15:57.200 --> 0:16:00.680
<v Speaker 2>I'm super excited about that. And also just like putting

0:16:00.720 --> 0:16:03.960
<v Speaker 2>some downtime in, you know, like taking vacations. And I'm

0:16:04.000 --> 0:16:07.440
<v Speaker 2>also not putting pressure on myself to like achieve some

0:16:07.480 --> 0:16:10.760
<v Speaker 2>sort of metric when it comes to business. You know,

0:16:10.800 --> 0:16:15.760
<v Speaker 2>I don't have this this like insatiable hunger to continuously

0:16:15.840 --> 0:16:18.840
<v Speaker 2>scale and to get on the New York Times bestseller

0:16:18.880 --> 0:16:21.920
<v Speaker 2>list and all these things. I'm just like whatever is

0:16:21.960 --> 0:16:24.360
<v Speaker 2>meant to be will be. And just the fact that

0:16:24.600 --> 0:16:28.400
<v Speaker 2>I get to do this incredible work, which is not

0:16:28.480 --> 0:16:31.240
<v Speaker 2>even work. It's just like ridiculous that I even get

0:16:31.280 --> 0:16:34.560
<v Speaker 2>to just talk about money and connect with people and

0:16:35.000 --> 0:16:37.920
<v Speaker 2>call this a career. Like I'm so grateful for that

0:16:37.920 --> 0:16:41.520
<v Speaker 2>that anything else that comes out of it, accolades, titles, opportunities,

0:16:41.520 --> 0:16:43.600
<v Speaker 2>blah bla blah whatever, that's just bonus.

0:16:43.880 --> 0:16:46.600
<v Speaker 1>But that's never my focus. Heyba fan, We're going to

0:16:46.680 --> 0:16:48.800
<v Speaker 1>take a quick break and be right back with more

0:16:48.840 --> 0:16:54.920
<v Speaker 1>with Denise Torres. I'm so happy, So I mean maybe

0:16:54.960 --> 0:16:57.400
<v Speaker 1>I sort of knew I was going to be speaking

0:16:57.440 --> 0:16:59.480
<v Speaker 1>to you, and I started thinking about we don't have

0:16:59.520 --> 0:17:01.360
<v Speaker 1>guests at time on the show, but we have had

0:17:01.360 --> 0:17:04.320
<v Speaker 1>some guests where and I'm always like, dang it, I

0:17:04.320 --> 0:17:06.520
<v Speaker 1>don't know if that was the bright person, only because

0:17:06.720 --> 0:17:08.480
<v Speaker 1>I really want to be careful with who we share

0:17:08.480 --> 0:17:10.600
<v Speaker 1>our audience with, because I want people to be learning

0:17:10.600 --> 0:17:14.120
<v Speaker 1>and engaging with people who have sort of their eye

0:17:14.160 --> 0:17:17.120
<v Speaker 1>on the big picture, like people who can still go

0:17:17.200 --> 0:17:21.639
<v Speaker 1>outside and appreciate the sunshine and appreciate the little things

0:17:21.680 --> 0:17:25.320
<v Speaker 1>and human connection and are not chasing a huge goal

0:17:25.440 --> 0:17:28.360
<v Speaker 1>and chasing numbers and accolades. Like you said. Those things

0:17:28.400 --> 0:17:31.200
<v Speaker 1>are incredible and they will come. But I just love

0:17:31.280 --> 0:17:34.240
<v Speaker 1>the mindset that you have. And I'm reminded again why

0:17:34.280 --> 0:17:37.199
<v Speaker 1>I was like, Deanie, we must be from because you

0:17:37.400 --> 0:17:39.760
<v Speaker 1>just are someone who gets it and at least gets

0:17:39.760 --> 0:17:42.960
<v Speaker 1>it on a level that I also get it. Where

0:17:43.080 --> 0:17:45.960
<v Speaker 1>for me, it's I love what we get to do.

0:17:46.040 --> 0:17:48.879
<v Speaker 1>It's fun. It doesn't feel like work unless you start

0:17:48.920 --> 0:17:51.840
<v Speaker 1>being tied to the algorithm and then it is a job.

0:17:53.160 --> 0:17:55.400
<v Speaker 1>But getting to sort of show up authentically and share

0:17:55.440 --> 0:17:59.040
<v Speaker 1>little nuggets has been working, and so and I was

0:17:59.119 --> 0:18:01.080
<v Speaker 1>kind of talking to Tiffany this morning, and by the way,

0:18:01.119 --> 0:18:03.760
<v Speaker 1>she's sorry, she's actually in Florida. Oh good for her,

0:18:04.800 --> 0:18:09.520
<v Speaker 1>can't be with us today anyhow. But yeah, I was

0:18:09.560 --> 0:18:11.879
<v Speaker 1>talking to her and I was like, yeah, I remember

0:18:11.920 --> 0:18:14.639
<v Speaker 1>this guest, and they just felt like they felt like

0:18:14.640 --> 0:18:16.399
<v Speaker 1>they weren't enjoying any of it. They were going on

0:18:16.440 --> 0:18:19.040
<v Speaker 1>this book tour and they were talking about it as

0:18:19.040 --> 0:18:21.320
<v Speaker 1>if it was like a huge drag. But then I'm

0:18:21.320 --> 0:18:23.160
<v Speaker 1>hearing you and I was like, well, dang, I would

0:18:23.320 --> 0:18:25.639
<v Speaker 1>love to be able to like get a crowd at

0:18:25.640 --> 0:18:28.160
<v Speaker 1>a huge venue, you know, just to talk about your book.

0:18:28.200 --> 0:18:31.240
<v Speaker 1>Are you kidding me? Like, that's that's the dream. But

0:18:31.440 --> 0:18:34.680
<v Speaker 1>it wasn't, you know, for them, it wasn't where their

0:18:34.720 --> 0:18:38.000
<v Speaker 1>goal posts were, which is which is fine and fair.

0:18:38.359 --> 0:18:41.159
<v Speaker 1>But for me, what I'm craving is I feel like

0:18:41.160 --> 0:18:44.080
<v Speaker 1>what you're craving. And especially as I am on the

0:18:44.160 --> 0:18:46.360
<v Speaker 1>very beginning of my book journey, it feels like I've

0:18:46.359 --> 0:18:49.320
<v Speaker 1>been on the very beginning for a long time. It's

0:18:49.320 --> 0:18:51.800
<v Speaker 1>great to have an example to look at of, oh,

0:18:51.840 --> 0:18:54.480
<v Speaker 1>you're actually not driving yourself that shit crazy, you know,

0:18:54.640 --> 0:18:57.560
<v Speaker 1>and trying to get on the bestseller lists and all that. Yeah,

0:18:57.600 --> 0:18:59.000
<v Speaker 1>I mean, like what's the point.

0:18:59.080 --> 0:19:02.359
<v Speaker 2>And I think so many people fall victim to like

0:19:02.640 --> 0:19:05.560
<v Speaker 2>wanting to live out somebody else's version of success because

0:19:05.600 --> 0:19:07.840
<v Speaker 2>that's just what they think they should want. And that's

0:19:07.840 --> 0:19:09.520
<v Speaker 2>something that I touch on in the book. Is just

0:19:09.600 --> 0:19:13.600
<v Speaker 2>this idea of all those things that are on your checklist,

0:19:13.760 --> 0:19:16.880
<v Speaker 2>like who put them on there? Is it your family,

0:19:17.160 --> 0:19:20.879
<v Speaker 2>your community, your friends, Like who's influencing the decisions that

0:19:20.880 --> 0:19:22.960
<v Speaker 2>you make when it comes to your career and how

0:19:23.000 --> 0:19:25.880
<v Speaker 2>you spend your money and the things that you prioritize,

0:19:26.000 --> 0:19:28.240
<v Speaker 2>you know. I know for me, I had a lot

0:19:28.280 --> 0:19:30.480
<v Speaker 2>of these things on my checklist that now looking back,

0:19:30.520 --> 0:19:32.200
<v Speaker 2>I'm like, I didn't even put this stuff on here.

0:19:32.520 --> 0:19:34.760
<v Speaker 2>This was just projected onto me, like I need to

0:19:34.800 --> 0:19:36.960
<v Speaker 2>go become an engineer because that's going to make me

0:19:37.000 --> 0:19:39.199
<v Speaker 2>a lot of money. I never asked myself like, is

0:19:39.200 --> 0:19:40.520
<v Speaker 2>that actually what you want to do? Is that going

0:19:40.560 --> 0:19:42.560
<v Speaker 2>to make you happy? Are you going to feel fulfilled

0:19:42.560 --> 0:19:45.800
<v Speaker 2>by this decision? The same thing with home ownership. It

0:19:45.840 --> 0:19:49.080
<v Speaker 2>was the pressure of well, you're turning thirty, and this

0:19:49.240 --> 0:19:52.040
<v Speaker 2>is just what responsible thirty something year olds do they

0:19:52.119 --> 0:19:55.520
<v Speaker 2>buy homes. But then looking back, I realized I don't

0:19:55.520 --> 0:19:58.600
<v Speaker 2>even like living in New Jersey at the time, Why

0:19:58.640 --> 0:20:00.280
<v Speaker 2>the hell would I buy a house to and be

0:20:00.320 --> 0:20:03.480
<v Speaker 2>stuck here, you know. And then it also represented me

0:20:03.560 --> 0:20:05.320
<v Speaker 2>having to stay in a career because.

0:20:05.160 --> 0:20:06.879
<v Speaker 1>I didn't want to do it. But now I have

0:20:07.000 --> 0:20:09.280
<v Speaker 1>this mortgage. So it's like all these things.

0:20:09.320 --> 0:20:12.680
<v Speaker 2>I had to dismantle this belief system about what success

0:20:12.760 --> 0:20:15.960
<v Speaker 2>looked like for me financially and be okay with like

0:20:16.040 --> 0:20:17.359
<v Speaker 2>disappointing a lot of people.

0:20:18.000 --> 0:20:22.400
<v Speaker 1>And that's hard, especially when they are the people who

0:20:23.880 --> 0:20:25.919
<v Speaker 1>I don't know, maybe before the Internet. I mean, I

0:20:25.920 --> 0:20:28.000
<v Speaker 1>think we were around long enough before the Internet, Like

0:20:28.040 --> 0:20:30.760
<v Speaker 1>we're the generation we built it, y'all. Okay, we really

0:20:30.920 --> 0:20:33.679
<v Speaker 1>made we made Twitter what it was, all right, but

0:20:33.960 --> 0:20:36.320
<v Speaker 1>still we remember a time without it, right, And you

0:20:36.359 --> 0:20:39.719
<v Speaker 1>really did look outside for that validation from parents, and

0:20:40.320 --> 0:20:43.560
<v Speaker 1>I mean from parents, from family, from friends and all

0:20:43.600 --> 0:20:47.000
<v Speaker 1>of that. Just what they think of you really matters. Yeah,

0:20:47.040 --> 0:20:50.320
<v Speaker 1>And now it's it's crazy because you can be so celebrated.

0:20:50.359 --> 0:20:53.000
<v Speaker 1>I think so much of your story, my story that's

0:20:53.040 --> 0:20:55.960
<v Speaker 1>like made for the Internet, like you know, came from

0:20:56.000 --> 0:20:58.639
<v Speaker 1>the bottom. Now we're here. People love a success story

0:20:58.640 --> 0:21:00.600
<v Speaker 1>and all of that pulled yourself up by your bootstraps,

0:21:00.600 --> 0:21:03.320
<v Speaker 1>got this online business. But to family and friends, it

0:21:03.359 --> 0:21:05.840
<v Speaker 1>may be like, what on earth is she? Like? What

0:21:05.960 --> 0:21:06.520
<v Speaker 1>is they doing?

0:21:06.680 --> 0:21:08.440
<v Speaker 2>Why are you putting their business out there?

0:21:09.160 --> 0:21:12.280
<v Speaker 1>Oh? Yes, yes, the personal stuff? Or don't put me

0:21:12.359 --> 0:21:14.800
<v Speaker 1>in there. I heard you talk about this on the podcast.

0:21:15.480 --> 0:21:18.760
<v Speaker 1>Was that about me? You know? I don't know if

0:21:18.800 --> 0:21:20.679
<v Speaker 1>I sometimes I cross the line just a little bit.

0:21:20.760 --> 0:21:23.240
<v Speaker 2>Me too. It's fine. My mom already knows to expect

0:21:23.680 --> 0:21:26.240
<v Speaker 2>you know, I have. I'm a loose can listening the

0:21:26.240 --> 0:21:33.760
<v Speaker 2>way that she was listening, I'm like, really every Wednesday. Well, okay,

0:21:33.840 --> 0:21:35.680
<v Speaker 2>So business wise, you mentioned at the beginning of the

0:21:35.720 --> 0:21:38.080
<v Speaker 2>show that you said serial entrepreneur, which I think is

0:21:38.080 --> 0:21:41.680
<v Speaker 2>such a sexy way to describe yourself, like cereal, and

0:21:41.720 --> 0:21:43.160
<v Speaker 2>it's kind of like dangerous.

0:21:43.280 --> 0:21:45.760
<v Speaker 1>You know. I watch a lot of murdery kind of stuff,

0:21:45.760 --> 0:21:47.760
<v Speaker 1>so that's where my mind goes a little bit. But

0:21:48.119 --> 0:21:51.119
<v Speaker 1>talk to me about all the different things you have

0:21:51.240 --> 0:21:56.879
<v Speaker 1>going on, because it is beyond your side hustle course

0:21:56.920 --> 0:21:59.080
<v Speaker 1>and all of that. Now, talk to us about the

0:21:59.119 --> 0:22:03.119
<v Speaker 1>evolution the financially lit Jocito Dineto universe. Yeah.

0:22:03.160 --> 0:22:06.400
<v Speaker 2>So I have been doing this whole content creation thing

0:22:06.440 --> 0:22:08.679
<v Speaker 2>for over a decade now, and I started in the

0:22:08.880 --> 0:22:13.440
<v Speaker 2>blogging space. So my first foray into online content creation

0:22:13.680 --> 0:22:16.919
<v Speaker 2>is a blog called delicolights dot com. It's still in

0:22:16.960 --> 0:22:20.119
<v Speaker 2>existence today and it's actually the foundation of like me

0:22:20.200 --> 0:22:22.520
<v Speaker 2>being able to walk away from corporate because now it's

0:22:22.560 --> 0:22:24.600
<v Speaker 2>like a six figure business that just kind of runs

0:22:24.640 --> 0:22:29.000
<v Speaker 2>itself and its content that I share primarily Latin recipes

0:22:29.040 --> 0:22:31.400
<v Speaker 2>that are influenced by my cultural upbringing as a Puerto

0:22:31.440 --> 0:22:38.639
<v Speaker 2>Rican woman. So after doing that for six years, I

0:22:38.760 --> 0:22:42.600
<v Speaker 2>was ready to shift into a new medium, if you will.

0:22:42.720 --> 0:22:45.159
<v Speaker 2>And by that point, I'd been listening to podcasts for

0:22:45.200 --> 0:22:49.920
<v Speaker 2>a while, and I focused in on like financial dependence

0:22:49.960 --> 0:22:52.359
<v Speaker 2>podcasts and was really inspired by the work that people

0:22:52.359 --> 0:22:54.840
<v Speaker 2>were doing. But I felt like I couldn't find a

0:22:54.880 --> 0:22:57.800
<v Speaker 2>podcast that was speaking primarily to latinas, and as a

0:22:57.840 --> 0:23:00.680
<v Speaker 2>first gen Latina who had to navigate, you know, applying

0:23:00.720 --> 0:23:04.400
<v Speaker 2>for student loan aid and going to college and doing

0:23:04.480 --> 0:23:08.280
<v Speaker 2>all these like first, I wanted to hear, like, how

0:23:08.960 --> 0:23:11.320
<v Speaker 2>do we achieve this American dream because there's been no

0:23:11.400 --> 0:23:14.040
<v Speaker 2>blueprint given to us, And so.

0:23:14.119 --> 0:23:18.879
<v Speaker 1>I quickly became reinvent that dream, yeah that too, or

0:23:18.920 --> 0:23:22.840
<v Speaker 1>dismantle it and reassemble it into something that you actually want.

0:23:22.880 --> 0:23:26.280
<v Speaker 2>Yeah, I think that's actually what's happening. But so I

0:23:26.600 --> 0:23:30.080
<v Speaker 2>became obsessed with personal finance and I continuously was the

0:23:30.160 --> 0:23:32.600
<v Speaker 2>friend in my friends circle who people would ask money

0:23:32.640 --> 0:23:34.480
<v Speaker 2>questions to because I was just always talking about it,

0:23:34.520 --> 0:23:37.240
<v Speaker 2>and people would watch like the fact that I have

0:23:37.400 --> 0:23:39.960
<v Speaker 2>this blog going on and I'm talking about side hustling

0:23:40.000 --> 0:23:42.919
<v Speaker 2>and blah blah blah. So after, you know, having repeated

0:23:42.960 --> 0:23:45.800
<v Speaker 2>conversations with friends, I decided maybe I should just start

0:23:45.800 --> 0:23:48.800
<v Speaker 2>a podcast, because if they have these questions, like maybe

0:23:48.800 --> 0:23:51.479
<v Speaker 2>other people on the internet have these questions. And so

0:23:51.560 --> 0:23:55.280
<v Speaker 2>in twenty nineteen, I launched Joccierto Linetto. Didn't have any

0:23:55.320 --> 0:23:57.439
<v Speaker 2>plans for like monetizing. It didn't even know how you

0:23:57.480 --> 0:24:00.679
<v Speaker 2>monetize the podcast. It just was another passion project, just

0:24:00.760 --> 0:24:01.320
<v Speaker 2>like the blog.

0:24:02.160 --> 0:24:03.840
<v Speaker 1>And by the.

0:24:03.800 --> 0:24:06.320
<v Speaker 2>End of twenty twenty it blown up to the point

0:24:06.359 --> 0:24:08.679
<v Speaker 2>where I had to make a decision, am I going

0:24:08.760 --> 0:24:11.719
<v Speaker 2>to go full time into this or am I going

0:24:11.760 --> 0:24:14.760
<v Speaker 2>to keep like juggling a forty to fifty hour work

0:24:14.800 --> 0:24:17.360
<v Speaker 2>week and building this on the side. And it got

0:24:17.359 --> 0:24:19.600
<v Speaker 2>to the point where I was having to take PTO

0:24:19.720 --> 0:24:22.720
<v Speaker 2>from my regular job to work on Yokero di Netto.

0:24:22.800 --> 0:24:24.720
<v Speaker 2>I was getting speaking engagements in the middle of the

0:24:24.800 --> 0:24:27.840
<v Speaker 2>day and like doing virtual workshops and all these types

0:24:27.880 --> 0:24:31.119
<v Speaker 2>of things. And I was making partly like four times

0:24:31.160 --> 0:24:33.360
<v Speaker 2>more than I was in corporate. So I'm like, well,

0:24:33.400 --> 0:24:35.560
<v Speaker 2>what the hell am I still doing here for this?

0:24:35.880 --> 0:24:38.680
<v Speaker 2>You know what am I doing this for? But then

0:24:38.800 --> 0:24:43.320
<v Speaker 2>everything came to a head when a coworker notified my

0:24:43.480 --> 0:24:47.560
<v Speaker 2>boss about like what was going on ooh, and I

0:24:47.720 --> 0:24:51.159
<v Speaker 2>was confronted in a meeting that there were suspicions that

0:24:51.160 --> 0:24:53.119
<v Speaker 2>I was going to quit because of you know, just

0:24:53.160 --> 0:24:55.440
<v Speaker 2>how I was blowing up on social media blah blah blah.

0:24:55.760 --> 0:24:58.200
<v Speaker 2>And I was asked by my manager like, straight up,

0:24:58.240 --> 0:25:01.600
<v Speaker 2>are you going to quit your job? And I had

0:25:01.600 --> 0:25:04.040
<v Speaker 2>not planned to do so at that very moment. I

0:25:04.080 --> 0:25:05.720
<v Speaker 2>was actually going to like wait out the rest of

0:25:05.720 --> 0:25:07.080
<v Speaker 2>the year to collect my bonus and.

0:25:07.080 --> 0:25:07.679
<v Speaker 1>All that stuff.

0:25:08.720 --> 0:25:12.480
<v Speaker 2>But I decided to just let her know, Yep, I'm quitting,

0:25:12.560 --> 0:25:14.800
<v Speaker 2>and actually I'm going to tender my resignation letter as

0:25:14.800 --> 0:25:16.000
<v Speaker 2>soon as we hop off with this call.

0:25:16.760 --> 0:25:18.360
<v Speaker 1>And I did that.

0:25:18.359 --> 0:25:23.520
<v Speaker 2>That was April thirtieth, twenty twenty one, and lo and

0:25:23.560 --> 0:25:27.600
<v Speaker 2>behold my new book, which documents. My whole journey in

0:25:27.640 --> 0:25:30.840
<v Speaker 2>this money world is coming out three years to the

0:25:30.920 --> 0:25:34.280
<v Speaker 2>day that I walked away from corporate and said, I'm

0:25:34.280 --> 0:25:35.240
<v Speaker 2>betting on myself.

0:25:36.400 --> 0:25:40.240
<v Speaker 1>Wow, hey, be a fan. We're going to take a

0:25:40.320 --> 0:25:46.240
<v Speaker 1>quick break and we'll be right back. Life is really

0:25:47.040 --> 0:25:49.560
<v Speaker 1>crazy and as much as you can be, like you know,

0:25:49.600 --> 0:25:51.639
<v Speaker 1>the universe and all that. But you did a lot

0:25:51.760 --> 0:25:54.399
<v Speaker 1>in between then and now. Yeah, to make it so

0:25:54.440 --> 0:25:56.080
<v Speaker 1>that your book has come out. I know we can't

0:25:56.119 --> 0:26:00.480
<v Speaker 1>plan like publishing schedules, But what was it about the

0:26:00.560 --> 0:26:01.959
<v Speaker 1>nine to Fox beause I want to go back to that.

0:26:02.000 --> 0:26:04.880
<v Speaker 1>What was it about that job that made you want

0:26:04.920 --> 0:26:07.080
<v Speaker 1>to keep one foot in even as you were building

0:26:07.119 --> 0:26:11.359
<v Speaker 1>this like these new business lines. Well, I think I

0:26:11.680 --> 0:26:13.920
<v Speaker 1>had a lot of it than the insurance. Yeah, well

0:26:14.040 --> 0:26:14.640
<v Speaker 1>the benefits.

0:26:14.680 --> 0:26:17.040
<v Speaker 2>I mean, they don't call them the golden handcuffs for

0:26:17.080 --> 0:26:19.120
<v Speaker 2>no reason, right, I mean I was making a steady

0:26:19.200 --> 0:26:23.520
<v Speaker 2>six figures a year, nice bonus. I had no legitimate

0:26:23.560 --> 0:26:27.840
<v Speaker 2>reason to leave from the external perspective, you know, I

0:26:27.880 --> 0:26:31.280
<v Speaker 2>had the dream job all that, but I just never

0:26:31.400 --> 0:26:34.800
<v Speaker 2>felt a sense of security that I think I was

0:26:34.920 --> 0:26:37.840
<v Speaker 2>sold as this is why we do this, And I

0:26:37.840 --> 0:26:40.240
<v Speaker 2>think a big part of why I always felt like

0:26:40.280 --> 0:26:42.560
<v Speaker 2>I needed to have my own way to make money

0:26:42.640 --> 0:26:46.560
<v Speaker 2>was because I graduated into the Great Recession. I literally

0:26:46.600 --> 0:26:50.840
<v Speaker 2>graduated six months before the entire economy tanked, and so

0:26:51.040 --> 0:26:55.639
<v Speaker 2>here I am watching colleagues, friends getting laid off. In

0:26:55.840 --> 0:26:59.840
<v Speaker 2>mass I'm seeing people who've been dedicating twenty thirty forty

0:27:00.040 --> 0:27:03.119
<v Speaker 2>years of their lives to companies just tossed away with

0:27:03.400 --> 0:27:05.880
<v Speaker 2>nothing more than you know, here's fifteen minutes to pack

0:27:05.920 --> 0:27:08.320
<v Speaker 2>your stuff and be on your way. And I think

0:27:08.359 --> 0:27:11.679
<v Speaker 2>for me, seeing that at twenty two, I'm like, oh,

0:27:11.760 --> 0:27:14.760
<v Speaker 2>wait a minute. So this whole safe and stable job

0:27:14.800 --> 0:27:16.840
<v Speaker 2>situation that people told me I would get when I

0:27:16.880 --> 0:27:20.280
<v Speaker 2>went into corporate it's not so safe and stable. I'm

0:27:20.320 --> 0:27:21.879
<v Speaker 2>going to need to have my own back. And so

0:27:21.960 --> 0:27:24.679
<v Speaker 2>I think I always operated from the perspective that my

0:27:24.800 --> 0:27:27.320
<v Speaker 2>paycheck was a means to an end. It was an

0:27:27.359 --> 0:27:31.720
<v Speaker 2>opportunity for me to you know, save, invest start businesses.

0:27:31.760 --> 0:27:34.040
<v Speaker 2>But ultimately, I don't think I was ever going to

0:27:34.080 --> 0:27:35.639
<v Speaker 2>be the type of person that said I could do

0:27:35.680 --> 0:27:37.679
<v Speaker 2>this for the rest of my life. I just I

0:27:37.720 --> 0:27:39.159
<v Speaker 2>was very disillusioned from the beginning.

0:27:39.840 --> 0:27:43.240
<v Speaker 1>M M, yeah, And I what I love about your

0:27:43.280 --> 0:27:45.119
<v Speaker 1>story is. It takes a real life It takes a

0:27:45.160 --> 0:27:48.640
<v Speaker 1>huge amount of faith in yourself because a lot of us,

0:27:49.800 --> 0:27:51.760
<v Speaker 1>you know, even when we started the podcast back in

0:27:51.800 --> 0:27:56.879
<v Speaker 1>twenty fifteen, it was it wasn't clear. I remember someone saying, like,

0:27:56.960 --> 0:27:59.359
<v Speaker 1>are you afraid you're going to alienate people by having

0:27:59.400 --> 0:28:04.199
<v Speaker 1>brown in the title? That's the point we want to

0:28:04.240 --> 0:28:08.639
<v Speaker 1>be specific. Yeah, and even like you know, we pitched it.

0:28:08.720 --> 0:28:10.479
<v Speaker 1>I pitched it to my employer at the time. I

0:28:10.520 --> 0:28:13.080
<v Speaker 1>was a writer at Yahoo Finance, and they were like, punk,

0:28:13.119 --> 0:28:15.639
<v Speaker 1>is we can't make any money off those yet, so no,

0:28:15.960 --> 0:28:18.679
<v Speaker 1>go figure. But then you just kind of do it anyway.

0:28:18.720 --> 0:28:21.720
<v Speaker 1>And it takes a level of like having faith in yourself.

0:28:21.720 --> 0:28:24.480
<v Speaker 1>And that's kind of after you know, I did the

0:28:24.480 --> 0:28:26.600
<v Speaker 1>podcast for eight years, you know, had the career in

0:28:26.680 --> 0:28:29.359
<v Speaker 1>journalism and marketing, but three years of doing Mandy money

0:28:29.359 --> 0:28:33.560
<v Speaker 1>Makers and career coaching and the common thing that I'm

0:28:33.560 --> 0:28:36.159
<v Speaker 1>actually coaching women through. Maybe you can identify with this

0:28:36.200 --> 0:28:39.000
<v Speaker 1>as well in your work. But it's self trust, like

0:28:39.120 --> 0:28:42.800
<v Speaker 1>having enough what do you need to make you trust

0:28:42.800 --> 0:28:47.600
<v Speaker 1>yourself enough to take a chance. And so that's why

0:28:47.640 --> 0:28:49.240
<v Speaker 1>I wanted to ask what was sort of keeping you

0:28:49.280 --> 0:28:51.280
<v Speaker 1>It doesn't seem like it was like you didn't trust it.

0:28:51.280 --> 0:28:53.000
<v Speaker 1>You could do it, but it was like this autopilot

0:28:53.040 --> 0:28:55.800
<v Speaker 1>almost of like I just have a job. That's which

0:28:55.800 --> 0:28:58.840
<v Speaker 1>you're you know you do and then yeah, wait a minute,

0:28:59.160 --> 0:29:03.160
<v Speaker 1>I actually don't have logical, like super logical reasons, like

0:29:03.160 --> 0:29:05.520
<v Speaker 1>I've taken those away. Mm hmm. Well it's your source

0:29:05.520 --> 0:29:08.239
<v Speaker 1>of income. Well I got others now, yeah, well you know,

0:29:08.360 --> 0:29:12.880
<v Speaker 1>and I just find that really amazing, and I I

0:29:12.920 --> 0:29:16.840
<v Speaker 1>want that for everyone, just to try something different and

0:29:16.880 --> 0:29:19.960
<v Speaker 1>then prove that you didn't well I wasn't say didn't die,

0:29:20.000 --> 0:29:22.600
<v Speaker 1>but you might try something and you know, it depends

0:29:22.600 --> 0:29:25.000
<v Speaker 1>on how risk it is. Yeah, I don't try like,

0:29:25.080 --> 0:29:28.520
<v Speaker 1>you know, eating foraged plants. I always watched that Lady

0:29:28.520 --> 0:29:33.800
<v Speaker 1>on because, like Kathie's nugging, don't die, you know, one

0:29:33.800 --> 0:29:34.880
<v Speaker 1>of the things yourself.

0:29:35.000 --> 0:29:37.040
<v Speaker 2>Yes, yeah, I think One of the things for me too,

0:29:37.080 --> 0:29:39.640
<v Speaker 2>that I realized is that a lot of the reasons

0:29:39.680 --> 0:29:41.640
<v Speaker 2>why we feel like we don't have the option to

0:29:41.720 --> 0:29:44.080
<v Speaker 2>like make a career pivot or like start a business

0:29:44.160 --> 0:29:46.840
<v Speaker 2>is because we have so many other obligations. And so

0:29:46.960 --> 0:29:48.720
<v Speaker 2>one of the big things for me that was keeping

0:29:48.760 --> 0:29:52.240
<v Speaker 2>me stuck. If you will was a bunch of student

0:29:52.280 --> 0:29:55.120
<v Speaker 2>loan debt and a mortgage and just owing a lot

0:29:55.160 --> 0:29:57.360
<v Speaker 2>of people a bunch of money, you know, credit card

0:29:57.440 --> 0:30:00.000
<v Speaker 2>debt and the like. And once I discovered the financial

0:30:00.040 --> 0:30:03.160
<v Speaker 2>independence movement, there was this recurring theme where it's like,

0:30:03.200 --> 0:30:06.320
<v Speaker 2>if you want options to change your career, to work less,

0:30:06.360 --> 0:30:09.520
<v Speaker 2>to live more, you got to stop owing people money.

0:30:09.960 --> 0:30:12.520
<v Speaker 2>And so that was my primary focus in the beginning.

0:30:12.560 --> 0:30:14.560
<v Speaker 2>Before I walked away from my job, I said, I

0:30:14.640 --> 0:30:17.200
<v Speaker 2>need to be student loan debt free because at least

0:30:17.200 --> 0:30:19.280
<v Speaker 2>with that, I know Uncle Sam's not going to be

0:30:19.320 --> 0:30:21.400
<v Speaker 2>coming after me, like trying to garnish my checks and

0:30:21.440 --> 0:30:24.360
<v Speaker 2>all that stuff. And so once I had that financial

0:30:24.400 --> 0:30:27.200
<v Speaker 2>freedom that comes from being debt free, I felt way

0:30:27.240 --> 0:30:29.920
<v Speaker 2>more comfortable to be able to manage the epps and

0:30:29.920 --> 0:30:31.440
<v Speaker 2>flows that come with entrepreneurship.

0:30:32.640 --> 0:30:34.720
<v Speaker 1>Yeah. So that is such a great testimony and to

0:30:35.120 --> 0:30:40.400
<v Speaker 1>and so relatable when it comes to what I was

0:30:40.440 --> 0:30:43.520
<v Speaker 1>talking about, like helping women define what is it that

0:30:43.560 --> 0:30:47.480
<v Speaker 1>you need to feel free? And debt is one of

0:30:47.520 --> 0:30:52.800
<v Speaker 1>the big issues debt and debt and healthcare. I would say,

0:30:53.120 --> 0:30:56.120
<v Speaker 1>because man, the way Golden talk about sign on bonuses

0:30:56.160 --> 0:30:58.960
<v Speaker 1>and all that, it's great but like just healthcare is

0:30:59.000 --> 0:31:02.840
<v Speaker 1>so yeah, out of the marketplace. What do you do

0:31:02.880 --> 0:31:05.520
<v Speaker 1>for healthcare now? I don't know if when you were

0:31:05.560 --> 0:31:10.000
<v Speaker 1>previously married, was your partner carrying the insurance? Did you do? Yeah?

0:31:10.040 --> 0:31:12.640
<v Speaker 1>So what do you do to post separation? How are

0:31:12.720 --> 0:31:15.320
<v Speaker 1>you you on the Obamacare plan? What's going on?

0:31:15.560 --> 0:31:18.600
<v Speaker 2>I am paying for my own I'm paying like five

0:31:18.640 --> 0:31:21.240
<v Speaker 2>hundred dollars a month for medical coverage. But that's because

0:31:21.240 --> 0:31:24.760
<v Speaker 2>I'm a single, you know, unmarried woman. But I do

0:31:24.840 --> 0:31:27.520
<v Speaker 2>think about that, you know, in the future. I just

0:31:27.560 --> 0:31:30.040
<v Speaker 2>signed up kids. I'm like, oh, this is gonna be

0:31:30.040 --> 0:31:32.440
<v Speaker 2>a reason why I need to increase my prices, because

0:31:32.480 --> 0:31:36.160
<v Speaker 2>these premiums are no jokes. And so, you know, entrepreneurs,

0:31:36.200 --> 0:31:38.440
<v Speaker 2>make sure that you are factoring in those costs that

0:31:38.440 --> 0:31:42.280
<v Speaker 2>you're giving up as a you know, career girly into

0:31:42.280 --> 0:31:44.440
<v Speaker 2>your pricing because we got to make up for that.

0:31:45.200 --> 0:31:47.680
<v Speaker 1>I'm saying. Yeah. I actually had a coaching session with

0:31:47.720 --> 0:31:50.480
<v Speaker 1>a woman from the Manny Moneymakers who just got let go.

0:31:50.680 --> 0:31:54.200
<v Speaker 1>She was anticipating it. She has her she has a

0:31:54.200 --> 0:31:56.040
<v Speaker 1>new business like a course and all this that she's

0:31:56.040 --> 0:31:58.280
<v Speaker 1>setting up, and she has a contract position lined up.

0:31:58.640 --> 0:32:00.920
<v Speaker 1>So she's not in dire straits, which is I'm always

0:32:00.920 --> 0:32:04.240
<v Speaker 1>preaching resilience, like create a soft landing for yourself. But

0:32:05.560 --> 0:32:07.080
<v Speaker 1>one of the things she was trying to figure out

0:32:07.080 --> 0:32:09.640
<v Speaker 1>her consulting rates. And I have a pretty simple calculator,

0:32:09.680 --> 0:32:11.720
<v Speaker 1>and it's basically like, how much do you want to

0:32:11.720 --> 0:32:14.080
<v Speaker 1>make is the first question, and a lot of people

0:32:14.120 --> 0:32:15.640
<v Speaker 1>get stuck so they base it on what they were

0:32:15.680 --> 0:32:18.480
<v Speaker 1>making before, like, oh, well, I was bringing home this

0:32:18.680 --> 0:32:20.560
<v Speaker 1>net before from my other job. And I'm like, this

0:32:20.600 --> 0:32:23.520
<v Speaker 1>is different. You're paying taxes on your own, you're paying

0:32:23.520 --> 0:32:26.440
<v Speaker 1>for your healthcare now. She's also a single pringle when

0:32:26.440 --> 0:32:31.160
<v Speaker 1>you're not single tax one according to the government, according

0:32:31.160 --> 0:32:34.680
<v Speaker 1>to the government, gets single, which means, you know, having

0:32:34.720 --> 0:32:37.840
<v Speaker 1>to carry her own insurance. And she and she was like, yeah,

0:32:37.840 --> 0:32:39.800
<v Speaker 1>I mean I'll go on that site and figure out

0:32:39.840 --> 0:32:42.560
<v Speaker 1>and then I'm like, no, let's go together healthcare dot gov.

0:32:42.680 --> 0:32:45.000
<v Speaker 1>Let's start here, what state you live in? Jersey? Okay, cool,

0:32:45.320 --> 0:32:47.080
<v Speaker 1>Let's figure out how much it's going to cost. Because

0:32:47.120 --> 0:32:49.800
<v Speaker 1>you you get you that's like the biggest expense. I

0:32:49.800 --> 0:32:52.480
<v Speaker 1>feel like for if you want insurance, which I think

0:32:52.520 --> 0:32:56.120
<v Speaker 1>most people should have it, right, just a little, just

0:32:56.160 --> 0:32:57.760
<v Speaker 1>a little, you can tell them you learn that on

0:32:57.840 --> 0:32:59.920
<v Speaker 1>brown ambition. I need health insurance.

0:33:00.120 --> 0:33:02.640
<v Speaker 2>Literally, it's one of those things where you hate paying

0:33:02.640 --> 0:33:04.080
<v Speaker 2>for it, but you're glad you have it when you

0:33:04.080 --> 0:33:04.440
<v Speaker 2>need it.

0:33:05.000 --> 0:33:07.760
<v Speaker 1>Pet insurance I don't know, not so much, but you know,

0:33:07.880 --> 0:33:09.800
<v Speaker 1>travel insurance when you book a flight. I don't know

0:33:09.840 --> 0:33:12.600
<v Speaker 1>about all that, but just regular, regular health insurance has

0:33:12.640 --> 0:33:16.840
<v Speaker 1>been known to keep people out of the poorhouse sometimes. Yeah,

0:33:16.880 --> 0:33:18.720
<v Speaker 1>so she needed to factor that in. And I'm like,

0:33:18.760 --> 0:33:21.840
<v Speaker 1>you got to get down and look at the numbers

0:33:21.840 --> 0:33:24.080
<v Speaker 1>and they may not be as scary, you know, even

0:33:24.120 --> 0:33:26.280
<v Speaker 1>just hearing you five hundred bucks, I'm like, oh, you know,

0:33:26.960 --> 0:33:28.959
<v Speaker 1>in the early days it was a lot more. It

0:33:29.000 --> 0:33:31.920
<v Speaker 1>was kind of all over the place. So just a

0:33:31.920 --> 0:33:34.040
<v Speaker 1>little un sexy entrepreneur.

0:33:34.280 --> 0:33:37.160
<v Speaker 2>Yeah, there's always a solution though, So I think that's

0:33:37.160 --> 0:33:39.360
<v Speaker 2>what I want people to realize, Like you can set

0:33:39.440 --> 0:33:41.320
<v Speaker 2>up your own four to one K, you can get

0:33:41.360 --> 0:33:44.120
<v Speaker 2>your own insurance. Like, don't let that be the reason

0:33:44.160 --> 0:33:46.160
<v Speaker 2>why you don't pursue this if you want to do it.

0:33:47.000 --> 0:33:50.000
<v Speaker 1>Absolutely, it's like I know one hundred percent. It's the

0:33:50.160 --> 0:33:52.120
<v Speaker 1>it's fighting the fears with facts, That's what I like

0:33:52.200 --> 0:33:54.840
<v Speaker 1>to call it. So the fear is well my four

0:33:55.000 --> 0:33:56.880
<v Speaker 1>one K, Well, here's a fuct you can get one

0:33:56.880 --> 0:34:00.719
<v Speaker 1>of them yourself. All that. I mean, you know it's different,

0:34:00.760 --> 0:34:04.920
<v Speaker 1>but it's not that different. Okay. So with the book

0:34:04.960 --> 0:34:10.880
<v Speaker 1>coming out with your new relationship, twenty twenty three, twenty

0:34:10.920 --> 0:34:13.239
<v Speaker 1>twenty four has been what would you call it, like

0:34:13.280 --> 0:34:17.000
<v Speaker 1>a year of just shift in your you know life

0:34:17.239 --> 0:34:19.480
<v Speaker 1>have How has it been showing up for you? Are

0:34:19.520 --> 0:34:23.759
<v Speaker 1>you feeling just incredible? Are you feeling like, oh, it's

0:34:23.800 --> 0:34:26.240
<v Speaker 1>just the start? How has it all felt?

0:34:26.800 --> 0:34:29.239
<v Speaker 2>I think twenty twenty three was the year where I

0:34:29.400 --> 0:34:34.960
<v Speaker 2>put myself first, like even in business, in my personal life,

0:34:35.040 --> 0:34:38.880
<v Speaker 2>I just I allowed myself to enjoy the fruits of

0:34:38.880 --> 0:34:41.239
<v Speaker 2>my labor because at that point, you know, I've been

0:34:41.400 --> 0:34:44.720
<v Speaker 2>doing this for over a decade and you have to

0:34:44.800 --> 0:34:48.759
<v Speaker 2>get off the freaking treadmill as an entrepreneur sometimes and

0:34:48.960 --> 0:34:52.560
<v Speaker 2>just reassess, like, am I still doing work that excites me?

0:34:52.960 --> 0:34:58.040
<v Speaker 2>Am I still enjoying this process? Are there areas where

0:34:58.080 --> 0:35:02.160
<v Speaker 2>I need to you know, refocus attention or just not

0:35:02.280 --> 0:35:04.880
<v Speaker 2>even bother? So I think twenty twenty three was a

0:35:04.880 --> 0:35:10.200
<v Speaker 2>big year of optimizing my life to enjoy more and

0:35:10.320 --> 0:35:11.000
<v Speaker 2>work less.

0:35:11.600 --> 0:35:13.239
<v Speaker 1>It was about how are we doing that?

0:35:13.800 --> 0:35:16.680
<v Speaker 2>So I think, Yeah, the biggest thing for me was

0:35:16.719 --> 0:35:18.759
<v Speaker 2>asking myself like when is enough enough?

0:35:19.120 --> 0:35:19.279
<v Speaker 1>Right?

0:35:19.320 --> 0:35:20.960
<v Speaker 2>And I think there's a lot of this pressure as

0:35:20.960 --> 0:35:24.680
<v Speaker 2>an entrepreneur to like always scale to the next milestone.

0:35:24.800 --> 0:35:27.120
<v Speaker 2>So you know, if you made one hundred K last year,

0:35:27.320 --> 0:35:28.799
<v Speaker 2>well you got to make two fifty and then you

0:35:28.840 --> 0:35:30.400
<v Speaker 2>got to make five hundred and then you got to

0:35:30.400 --> 0:35:33.440
<v Speaker 2>go scale to seven figures and blah blah blah, And

0:35:33.840 --> 0:35:37.640
<v Speaker 2>that's just never sat well with me. That whole mindset

0:35:37.760 --> 0:35:42.560
<v Speaker 2>just feels like a self induced prison sentence.

0:35:43.160 --> 0:35:44.919
<v Speaker 1>It feels kind of like a nine to five.

0:35:45.120 --> 0:35:47.600
<v Speaker 2>Yeah, And I'm just like, you know, for what, like

0:35:47.760 --> 0:35:50.960
<v Speaker 2>is my quality of life at this moment going to

0:35:51.080 --> 0:35:53.160
<v Speaker 2>change if I make another five hundred grand?

0:35:53.640 --> 0:35:53.920
<v Speaker 1>Nope?

0:35:54.719 --> 0:35:58.160
<v Speaker 2>Because I just don't need to be making seven figures

0:35:58.239 --> 0:36:01.759
<v Speaker 2>to enjoy the life that I want. And so I

0:36:01.760 --> 0:36:04.000
<v Speaker 2>think that's been my primary focus. It's like, when is

0:36:04.120 --> 0:36:06.680
<v Speaker 2>enough enough? Do I need to do all of these

0:36:06.719 --> 0:36:09.439
<v Speaker 2>other things that I see other people doing because quote

0:36:09.520 --> 0:36:13.000
<v Speaker 2>unquote again, is that my version of success or is

0:36:13.000 --> 0:36:15.360
<v Speaker 2>that somebody else's version of success? That now I'm putting

0:36:15.400 --> 0:36:17.280
<v Speaker 2>my pressure on myself to like achieve.

0:36:18.400 --> 0:36:20.360
<v Speaker 1>So I think that's been the biggest thing. It's just like,

0:36:20.400 --> 0:36:22.279
<v Speaker 1>what have you said no to in the process, Like,

0:36:22.320 --> 0:36:23.839
<v Speaker 1>what are some of those things on the note list

0:36:23.880 --> 0:36:25.640
<v Speaker 1>that I'm like, You're like, I'm good for now.

0:36:26.520 --> 0:36:29.279
<v Speaker 2>Memberships, you know, everybody keeps telling me I should start

0:36:29.280 --> 0:36:31.120
<v Speaker 2>a membership and I'm like, no, I.

0:36:31.040 --> 0:36:32.440
<v Speaker 1>Don't want to work more.

0:36:32.600 --> 0:36:36.160
<v Speaker 2>Yeah, or just like a subscription model based thing where

0:36:36.320 --> 0:36:39.040
<v Speaker 2>people pay, you know, for recurring revenue and things like that,

0:36:39.480 --> 0:36:41.279
<v Speaker 2>And I'm just like, but then that means I have

0:36:41.320 --> 0:36:44.240
<v Speaker 2>to continuously show up, I have to continuously create new content.

0:36:44.560 --> 0:36:48.880
<v Speaker 2>I'm basically on another freaking hamster wheel for what. That

0:36:49.000 --> 0:36:52.480
<v Speaker 2>is not my definition of like success as an entrepreneur.

0:36:52.560 --> 0:36:55.320
<v Speaker 2>It's just feeling like, now you're doing all of these things,

0:36:55.360 --> 0:36:58.839
<v Speaker 2>you've over committed and so you know, for me, it's

0:36:58.920 --> 0:37:01.359
<v Speaker 2>been just saying, you know what, that might be nice

0:37:01.360 --> 0:37:04.200
<v Speaker 2>to have, like recurring revenue, but does the business model

0:37:04.280 --> 0:37:06.680
<v Speaker 2>suit what I want to prioritize, which is having more

0:37:06.719 --> 0:37:09.359
<v Speaker 2>free time. No, so I'm not going to do it.

0:37:09.760 --> 0:37:11.759
<v Speaker 2>And I think one of the reasons why I'm able

0:37:11.800 --> 0:37:15.080
<v Speaker 2>to be like really flexible in my business is because

0:37:15.080 --> 0:37:17.040
<v Speaker 2>I have a bunch of different ways that I make money,

0:37:17.160 --> 0:37:17.920
<v Speaker 2>and so I can like.

0:37:19.560 --> 0:37:20.719
<v Speaker 1>And off right, I like.

0:37:21.000 --> 0:37:25.000
<v Speaker 2>Pull levers and push levers and focus attention in different

0:37:25.040 --> 0:37:27.600
<v Speaker 2>areas so that I never have to feel like, oh

0:37:27.600 --> 0:37:28.960
<v Speaker 2>my god, I'm never gonna be able to pay my

0:37:28.960 --> 0:37:32.080
<v Speaker 2>bills because I'm just making money in one specific way.

0:37:32.640 --> 0:37:33.080
<v Speaker 2>Mm hmm.

0:37:33.600 --> 0:37:36.239
<v Speaker 1>Yeah, I'm so proud, Like I think this was the

0:37:36.239 --> 0:37:39.680
<v Speaker 1>past couple of years have been the time when I'm like, oh,

0:37:39.719 --> 0:37:41.400
<v Speaker 1>you know the seeds that we planted it, even with

0:37:41.440 --> 0:37:44.040
<v Speaker 1>brown ambition years ago, I'm like, oh, this is We

0:37:44.480 --> 0:37:48.080
<v Speaker 1>didn't set out to make money. We didn't know how

0:37:48.120 --> 0:37:50.120
<v Speaker 1>because there were weren't really any models. It was like

0:37:50.320 --> 0:37:53.759
<v Speaker 1>Cereal was the huge podcast, you know. But anyway, but

0:37:53.880 --> 0:37:55.680
<v Speaker 1>now it's like Tiffany and I are both like, oh,

0:37:55.680 --> 0:38:03.000
<v Speaker 1>hey can take somebody. And it's become a quote unquote passive.

0:38:03.160 --> 0:38:07.040
<v Speaker 1>It feels passive because it's so damn fun, but in

0:38:07.120 --> 0:38:09.200
<v Speaker 1>terms of like, you know, we show up and we

0:38:09.320 --> 0:38:11.600
<v Speaker 1>kind of have this like well oiled machine and it

0:38:11.640 --> 0:38:14.560
<v Speaker 1>supplements everything else. And even as I'm working on my

0:38:14.600 --> 0:38:16.879
<v Speaker 1>book Journey, you know, I had to really pull push

0:38:16.920 --> 0:38:21.800
<v Speaker 1>down the lever of my my high touch community that

0:38:21.840 --> 0:38:23.640
<v Speaker 1>I have. I have the community that I all the

0:38:23.680 --> 0:38:26.400
<v Speaker 1>women who've joined. I still we still I do my

0:38:26.400 --> 0:38:29.840
<v Speaker 1>bi weekly coaching, which I just love, genuinely, just love talking.

0:38:29.880 --> 0:38:33.440
<v Speaker 1>They're like my friends now. But I'm like, oh, I

0:38:33.480 --> 0:38:35.600
<v Speaker 1>could I get to give myself space for the book

0:38:35.640 --> 0:38:38.040
<v Speaker 1>because I have, you know, this other income stream and

0:38:38.040 --> 0:38:40.000
<v Speaker 1>then you have the sprinkle type stuff I call like

0:38:40.040 --> 0:38:45.439
<v Speaker 1>the speaking engagement you can't plan for. Yeah, it's it's

0:38:45.520 --> 0:38:51.759
<v Speaker 1>not shabby. Have the income fluxtuat Well, are you in

0:38:51.800 --> 0:38:54.520
<v Speaker 1>a place now where you don't have these like income

0:38:54.560 --> 0:38:58.080
<v Speaker 1>fluctuations that are so drastic that they cause stress? Because

0:38:58.080 --> 0:39:01.480
<v Speaker 1>I think that for a lot of entrepreneurs. Tiffany talked

0:39:01.520 --> 0:39:03.759
<v Speaker 1>about this, like last year was tough year, you know

0:39:03.840 --> 0:39:05.719
<v Speaker 1>for partnerships and things like that, which is a lot

0:39:05.719 --> 0:39:09.439
<v Speaker 1>of ways that influencers make money. But can you speak

0:39:09.480 --> 0:39:12.440
<v Speaker 1>candidly about that? Why is my screen giving me a thought?

0:39:12.440 --> 0:39:16.040
<v Speaker 1>Oh that's so funny. Yeah I saw that. What's hilarious.

0:39:16.360 --> 0:39:24.960
<v Speaker 1>Thank you? Anyway, Yes, have you have you gotten to

0:39:25.080 --> 0:39:29.080
<v Speaker 1>a place where there's it seems to be like, oh,

0:39:29.120 --> 0:39:32.640
<v Speaker 1>I'm going to be okay, you know, yeah, Okay, I

0:39:32.680 --> 0:39:35.400
<v Speaker 1>don't think I have one hundred percent, but I'm curious

0:39:35.400 --> 0:39:35.839
<v Speaker 1>to hear what.

0:39:36.680 --> 0:39:39.759
<v Speaker 2>Yeah, I think So for me, because I have I think,

0:39:39.800 --> 0:39:42.279
<v Speaker 2>at this point, like eight different income streams, I can

0:39:42.320 --> 0:39:45.360
<v Speaker 2>always anticipate like meeting a specific baseline that I have

0:39:45.400 --> 0:39:48.000
<v Speaker 2>in my head, right so I know, like every month

0:39:48.000 --> 0:39:49.319
<v Speaker 2>at least as much is going to come in and

0:39:49.320 --> 0:39:52.040
<v Speaker 2>it's enough to cover expenses and payroll and whatever. And

0:39:52.120 --> 0:39:56.439
<v Speaker 2>so I also like plan ahead, you know, kind of

0:39:56.560 --> 0:39:59.279
<v Speaker 2>what's the thing I want to launch next month, or

0:39:59.320 --> 0:40:01.840
<v Speaker 2>what's the area of income that I want to focus

0:40:01.880 --> 0:40:04.640
<v Speaker 2>in on, just depending on whatever everything else that's going on.

0:40:05.080 --> 0:40:08.400
<v Speaker 2>So for me, I've gotten good at creating money consistently,

0:40:09.320 --> 0:40:12.360
<v Speaker 2>but I'm also like really financially conservative in general, Like

0:40:12.400 --> 0:40:16.120
<v Speaker 2>I do not have a big, luxurious, you know, multimillion

0:40:16.160 --> 0:40:19.480
<v Speaker 2>dollar home. I still rent, and I think that shocks

0:40:19.480 --> 0:40:21.880
<v Speaker 2>a lot of people because again it's this narrative of like,

0:40:21.920 --> 0:40:25.040
<v Speaker 2>once you're a certain level financially, like buying a house

0:40:25.080 --> 0:40:27.160
<v Speaker 2>is always going to make sense. And for me, I'm

0:40:27.160 --> 0:40:29.799
<v Speaker 2>just like, no, I don't really feel like working over

0:40:29.880 --> 0:40:31.879
<v Speaker 2>twenty k for a new roof right now. Like I'd

0:40:31.960 --> 0:40:34.520
<v Speaker 2>rather be able to pour that into my business if

0:40:34.560 --> 0:40:37.480
<v Speaker 2>I want to, you know, scale or create some new

0:40:37.520 --> 0:40:40.879
<v Speaker 2>process or whatever. I also keep a lot of cash

0:40:40.920 --> 0:40:43.560
<v Speaker 2>on hand as an entrepreneur. So I have like close

0:40:43.600 --> 0:40:46.239
<v Speaker 2>to a year's worth of operating expenses just sitting in

0:40:46.280 --> 0:40:49.040
<v Speaker 2>a high heal savings account, so that I know, like,

0:40:49.120 --> 0:40:52.320
<v Speaker 2>even if we have a consecutive number of like crappy months,

0:40:52.520 --> 0:40:55.680
<v Speaker 2>I'm good, Like nothing's going to derail that. And one

0:40:55.680 --> 0:40:57.080
<v Speaker 2>of the big things that gives me a lot of

0:40:57.160 --> 0:41:00.720
<v Speaker 2>peace of mind is that, again, before quick my job,

0:41:00.880 --> 0:41:03.600
<v Speaker 2>I wanted to get to a place where, let's say

0:41:04.280 --> 0:41:07.200
<v Speaker 2>I had to take an extended break from investing for retirement,

0:41:07.840 --> 0:41:10.000
<v Speaker 2>that that was going to be okay, and my retirement

0:41:10.040 --> 0:41:13.000
<v Speaker 2>was still going to be secured. So I focused a

0:41:13.040 --> 0:41:15.440
<v Speaker 2>lot while I was still in corporate of maxing out

0:41:15.440 --> 0:41:17.480
<v Speaker 2>my four oh one K and I took like my

0:41:17.600 --> 0:41:20.680
<v Speaker 2>bonuses and invested all of that stuff. So I am

0:41:20.719 --> 0:41:23.040
<v Speaker 2>at a place where if I never invest another dollar,

0:41:23.080 --> 0:41:25.760
<v Speaker 2>I'm going to have probably four or five million dollars

0:41:25.760 --> 0:41:28.040
<v Speaker 2>waiting for me when I'm sixty five years old. So

0:41:28.160 --> 0:41:30.880
<v Speaker 2>just having all these different things kind of working in

0:41:30.880 --> 0:41:33.759
<v Speaker 2>the background, and you know the fact that I have

0:41:33.800 --> 0:41:36.520
<v Speaker 2>the blog, I have podcast ads, I have affiliate marketing,

0:41:36.560 --> 0:41:39.920
<v Speaker 2>I do speaking, I have an airbnb so there's like

0:41:39.960 --> 0:41:42.240
<v Speaker 2>a lot of different ways that I can earn money,

0:41:42.280 --> 0:41:44.880
<v Speaker 2>and it just has given me a lot more consistency

0:41:44.880 --> 0:41:47.040
<v Speaker 2>than again, just like relying on the single income source,

0:41:48.000 --> 0:41:48.600
<v Speaker 2>it's given me.

0:41:48.640 --> 0:41:54.920
<v Speaker 1>Power agency pull that ouside just like that, right, Ahijanise,

0:41:54.960 --> 0:41:56.520
<v Speaker 1>It has been such a pleasure to have you on

0:41:56.560 --> 0:42:03.000
<v Speaker 1>the show. Congratulations on just all the incredible just I

0:42:03.360 --> 0:42:06.239
<v Speaker 1>hope that this book tour, this moment of getting to

0:42:06.320 --> 0:42:08.880
<v Speaker 1>embrace the people who love you and adore you and

0:42:08.960 --> 0:42:11.360
<v Speaker 1>your community that you've built is everything that you deserve

0:42:11.560 --> 0:42:16.480
<v Speaker 1>it to be. I'm so happy that that gorgeous face

0:42:16.800 --> 0:42:19.319
<v Speaker 1>is gonna be on bookshelves. I can't wait to go

0:42:19.480 --> 0:42:20.760
<v Speaker 1>see it out in the wild.

0:42:20.880 --> 0:42:23.239
<v Speaker 2>Please make sure to cover up Dave Ramsey's face with

0:42:23.320 --> 0:42:25.080
<v Speaker 2>my book when you're in your local bookstore.

0:42:26.719 --> 0:42:30.279
<v Speaker 1>Listen. I do it every time I'm at Target. And like,

0:42:30.560 --> 0:42:32.279
<v Speaker 1>Tiffany is one of the only women of color who

0:42:32.280 --> 0:42:34.839
<v Speaker 1>got a finance book, and I'm just like scooped over, sir,

0:42:35.920 --> 0:42:39.880
<v Speaker 1>You'll be fine. But even without that, it's just like,

0:42:40.400 --> 0:42:42.839
<v Speaker 1>you know, there's a there's space for Dave Ramsey. It's

0:42:42.840 --> 0:42:44.320
<v Speaker 1>always won't be a space for him, you know what

0:42:44.360 --> 0:42:46.319
<v Speaker 1>I'm saying. But there's also a space for you and

0:42:46.840 --> 0:42:48.920
<v Speaker 1>all that you had to offer. So y'all go get

0:42:48.960 --> 0:42:53.120
<v Speaker 1>her book financially litbook dot com. I got it, and

0:42:53.200 --> 0:42:56.719
<v Speaker 1>please go check out her podcast. Yo kyoto to Nato Janie,

0:42:57.280 --> 0:43:02.239
<v Speaker 1>my darling, my love, my little nugget. Thank you for

0:43:02.320 --> 0:43:04.399
<v Speaker 1>joining the show again and I can't wait to see

0:43:04.400 --> 0:43:06.720
<v Speaker 1>you on your New York City book tour stop.

0:43:06.920 --> 0:43:09.239
<v Speaker 2>Thank you so much and shout out to you and

0:43:09.360 --> 0:43:13.560
<v Speaker 2>Tiffany for being one of the OG's in this space

0:43:14.000 --> 0:43:17.440
<v Speaker 2>giving permission to women of color to talk about money unapologetically,

0:43:17.480 --> 0:43:19.520
<v Speaker 2>because honestly, none of us that get to do this

0:43:19.600 --> 0:43:23.239
<v Speaker 2>now would be where we are without your paving the

0:43:23.239 --> 0:43:23.799
<v Speaker 2>path for us.

0:43:23.840 --> 0:43:27.360
<v Speaker 1>So thank you. Wow, that is really generous and I

0:43:27.360 --> 0:43:30.799
<v Speaker 1>will try to receive it even though it made me

0:43:30.880 --> 0:43:36.920
<v Speaker 1>sweat a little bit a little prickle. Thanks Denise,