1 00:00:05,120 --> 00:00:06,000 Speaker 1: Welcome to the show. 2 00:00:06,200 --> 00:00:08,680 Speaker 2: I am with Shan McDonald, the host of Money Making 3 00:00:08,720 --> 00:00:12,559 Speaker 2: Conversations Masterclass, where we encourage people to stop reading other 4 00:00:12,560 --> 00:00:14,160 Speaker 2: people's success stories and. 5 00:00:14,120 --> 00:00:15,440 Speaker 1: Start planning their own. 6 00:00:16,040 --> 00:00:19,480 Speaker 2: Listen up as I interview entrepreneurs from around the country, 7 00:00:19,720 --> 00:00:22,600 Speaker 2: talk to celebrities and ask them how they are running 8 00:00:22,640 --> 00:00:25,480 Speaker 2: their companies, and speak with nod profits who are making 9 00:00:25,520 --> 00:00:28,560 Speaker 2: a difference in their local communities. Now, sit back and 10 00:00:28,600 --> 00:00:31,680 Speaker 2: listen as we unlock the secrets to their success on 11 00:00:31,800 --> 00:00:34,159 Speaker 2: Money Making Conversations Masterclass. 12 00:00:34,360 --> 00:00:37,760 Speaker 3: Hi, welcome to Money Making Conversations Masterclass, and I am 13 00:00:37,840 --> 00:00:41,519 Speaker 3: your host, Rashaan McDonald. I've always told people listening to 14 00:00:41,560 --> 00:00:45,160 Speaker 3: this show, you know, I've just listened over the years 15 00:00:45,240 --> 00:00:49,320 Speaker 3: and my articulation has gotten better and my gttion, my 16 00:00:49,360 --> 00:00:52,400 Speaker 3: wife corrects me, and I've listened to her. And because 17 00:00:52,400 --> 00:00:54,320 Speaker 3: you have to continue work your craft, you have to 18 00:00:54,360 --> 00:00:57,720 Speaker 3: continue to be able to take some form of criticism, 19 00:00:57,720 --> 00:01:03,480 Speaker 3: whether it's constructive or perceived. You might perceive it negative comments, 20 00:01:03,480 --> 00:01:06,000 Speaker 3: but if people are set there in there in a 21 00:01:06,160 --> 00:01:10,840 Speaker 3: position to make you sound better, be better, educate you 22 00:01:11,000 --> 00:01:13,679 Speaker 3: and to a winning situation. Because I want I want 23 00:01:13,720 --> 00:01:15,759 Speaker 3: when you guys hear me to be able to hear 24 00:01:15,760 --> 00:01:18,360 Speaker 3: the words correctly and the information correctly. And that's what Money 25 00:01:18,360 --> 00:01:21,000 Speaker 3: Making Conversations is all about. The interviews that I do 26 00:01:21,040 --> 00:01:23,240 Speaker 3: on this show and the information that this show provides. 27 00:01:23,360 --> 00:01:25,640 Speaker 3: It's for you, it's for everyone. And I always tell 28 00:01:25,680 --> 00:01:28,760 Speaker 3: people it's time to stop reading other people's success stories 29 00:01:28,959 --> 00:01:33,839 Speaker 3: and start living on living, living your own life, not anybody. 30 00:01:33,480 --> 00:01:37,440 Speaker 1: Else's, because it's you. It's you. 31 00:01:37,520 --> 00:01:39,880 Speaker 3: When you wake up, it's you. You know, God wakes 32 00:01:39,920 --> 00:01:42,360 Speaker 3: you up, it's that alarm clock sitting there. But guess what, 33 00:01:42,600 --> 00:01:45,360 Speaker 3: I always beat my alarmcock up. I don't know why 34 00:01:46,080 --> 00:01:48,360 Speaker 3: it's not so it's not waking me up. And I'm 35 00:01:48,400 --> 00:01:50,559 Speaker 3: here to tell you you can reach your American dream. 36 00:01:50,720 --> 00:01:53,640 Speaker 3: Just keep listening and listening with people, give your advice, 37 00:01:53,720 --> 00:01:55,800 Speaker 3: listen with people. You will tell you need to do 38 00:01:55,880 --> 00:01:59,160 Speaker 3: something that's gonna make your life harder. It might be harder, 39 00:01:59,240 --> 00:02:03,200 Speaker 3: but it gonna make it better because nothing's easy long term. 40 00:02:03,240 --> 00:02:05,440 Speaker 3: Nothing's easy long term. If you want to be a 41 00:02:05,440 --> 00:02:08,240 Speaker 3: guest on my show, please visit Moneymaking Conversation dot com 42 00:02:08,240 --> 00:02:11,639 Speaker 3: and click to be a guest button. Wow, let's get 43 00:02:11,639 --> 00:02:16,480 Speaker 3: student my guest today empowers businesses and individuals to succeed 44 00:02:16,560 --> 00:02:22,919 Speaker 3: by offering strategic financial strategies, expert guidance, and tailored business solutions. 45 00:02:23,240 --> 00:02:26,760 Speaker 3: As a dedicated financial professional, she is committed to empowering 46 00:02:26,840 --> 00:02:30,840 Speaker 3: individuals through comprehensive financial education. Please work with the Money 47 00:02:30,840 --> 00:02:33,520 Speaker 3: Making Conversations Masterclass. Laura Finny. 48 00:02:33,639 --> 00:02:37,480 Speaker 4: How are you doing, Laura, I'm doing wonderful her side, 49 00:02:37,520 --> 00:02:38,680 Speaker 4: How are you well, Laura? 50 00:02:38,680 --> 00:02:40,560 Speaker 3: You know I didn't make it out to Invest Fast. 51 00:02:40,600 --> 00:02:42,799 Speaker 3: You know, if you see you're coming out to Fest Fast. 52 00:02:42,800 --> 00:02:48,000 Speaker 3: That's a big financial expo that's hosted annually in Los 53 00:02:48,040 --> 00:02:50,600 Speaker 3: Angeles in Atlanta, Georgia, and she was out there. 54 00:02:50,760 --> 00:02:52,079 Speaker 1: So while we at invest Fest. 55 00:02:53,960 --> 00:02:56,160 Speaker 4: Oh my god, you won't believe this. But this was 56 00:02:56,280 --> 00:02:58,600 Speaker 4: the first time I had heard about it. 57 00:02:58,919 --> 00:02:59,119 Speaker 1: Huh. 58 00:02:59,400 --> 00:03:03,120 Speaker 4: And I heard about it about back in June, and 59 00:03:03,280 --> 00:03:05,360 Speaker 4: I hummed and hud if it was something I wanted 60 00:03:05,400 --> 00:03:09,560 Speaker 4: to go to. I do follow Earn Your Living. I 61 00:03:09,639 --> 00:03:11,640 Speaker 4: listen to their podcast as well as yours. 62 00:03:11,960 --> 00:03:12,360 Speaker 2: Thank you. 63 00:03:13,200 --> 00:03:16,600 Speaker 4: It really intrigued me because I do help people make 64 00:03:16,639 --> 00:03:20,240 Speaker 4: financial decisions based on their long term goals. But I 65 00:03:20,280 --> 00:03:23,320 Speaker 4: wanted to be in the room with people who were 66 00:03:23,360 --> 00:03:27,959 Speaker 4: looking for information. Now that man was I in the room. 67 00:03:28,400 --> 00:03:30,560 Speaker 4: Absolutely a good ten thousand people there. 68 00:03:30,720 --> 00:03:34,320 Speaker 3: You know, it's really amazing because we're all are dreamers 69 00:03:34,360 --> 00:03:37,200 Speaker 3: and I can't tell you how to be successful. What 70 00:03:37,360 --> 00:03:40,040 Speaker 3: is the I would say frustrating because you know you 71 00:03:40,680 --> 00:03:43,440 Speaker 3: got a system, you you've done this enough to know. 72 00:03:43,520 --> 00:03:46,560 Speaker 3: But what are some of the mistakes that people make 73 00:03:47,920 --> 00:03:58,080 Speaker 3: when you're trying to plan a proper financial strategy for them? 74 00:03:58,280 --> 00:04:00,800 Speaker 4: You know, I was thinking about that honestly while I 75 00:04:00,840 --> 00:04:04,360 Speaker 4: was listening to your other guests, and I'd probably say 76 00:04:04,440 --> 00:04:08,040 Speaker 4: the biggest one is listening to or taking advice from 77 00:04:08,040 --> 00:04:11,920 Speaker 4: someone who don't know what that person's long term goals 78 00:04:11,960 --> 00:04:15,840 Speaker 4: and dreams are. People put you know, products and services 79 00:04:15,880 --> 00:04:19,360 Speaker 4: in plates based on information they hear, or course that 80 00:04:19,400 --> 00:04:23,280 Speaker 4: they took, or you know, someone's podcast, And honestly, I 81 00:04:23,279 --> 00:04:25,839 Speaker 4: really appreciate that because I love it when people are 82 00:04:25,839 --> 00:04:30,520 Speaker 4: doing something to save for the future. But a financial 83 00:04:30,560 --> 00:04:33,120 Speaker 4: plan is more than just saving. It's allowing you to 84 00:04:33,160 --> 00:04:35,160 Speaker 4: be able to live life on your terms. And that 85 00:04:35,240 --> 00:04:39,799 Speaker 4: comes with very very strategic plan and to make sure 86 00:04:39,839 --> 00:04:41,599 Speaker 4: that number one, you don't have to go back to 87 00:04:41,640 --> 00:04:44,919 Speaker 4: work when you decide to retire, or like I like 88 00:04:45,000 --> 00:04:48,240 Speaker 4: to say, live life on your terms, because nobody's really retiring. 89 00:04:48,920 --> 00:04:54,839 Speaker 3: But when financial positions, nobody's really retiring. 90 00:04:55,000 --> 00:04:56,480 Speaker 1: Please please tell my audience that. 91 00:04:56,600 --> 00:05:00,640 Speaker 4: Please tell my audience, no one really retire. You know, 92 00:05:00,680 --> 00:05:02,919 Speaker 4: we're not great Grandma sitting on the front porch with 93 00:05:03,000 --> 00:05:05,080 Speaker 4: some lemonade rock and back and forth in the chair. 94 00:05:05,640 --> 00:05:09,279 Speaker 4: We're not doing that. What retirement means now, which I 95 00:05:09,320 --> 00:05:11,880 Speaker 4: now call living life on your terms, it is being 96 00:05:11,920 --> 00:05:14,360 Speaker 4: able to say, Okay, I'm in a financial position to 97 00:05:14,480 --> 00:05:17,760 Speaker 4: never have to work again at this age and be 98 00:05:17,839 --> 00:05:19,720 Speaker 4: able to do whatever I want to do, which is, 99 00:05:19,839 --> 00:05:23,920 Speaker 4: you know, either do more philanthropy work or travel or actually, 100 00:05:24,040 --> 00:05:26,479 Speaker 4: you know, embark on a passion that they had outside 101 00:05:26,480 --> 00:05:27,400 Speaker 4: their full time job. 102 00:05:27,880 --> 00:05:29,520 Speaker 3: Let's get started him. I want to ask you a 103 00:05:29,560 --> 00:05:31,479 Speaker 3: couple of questions. My first question I want to do 104 00:05:31,600 --> 00:05:34,800 Speaker 3: is what inspired you to become a financial coach and 105 00:05:35,240 --> 00:05:37,040 Speaker 3: financial literacy educator? 106 00:05:37,040 --> 00:05:37,800 Speaker 1: What inspired you? 107 00:05:39,160 --> 00:05:42,560 Speaker 4: Oh, it was two things, Rishan. The first one was 108 00:05:42,640 --> 00:05:45,479 Speaker 4: it was the day after my fifiet birthday party and 109 00:05:45,520 --> 00:05:47,839 Speaker 4: you can only imagine how sober I was in that moment, 110 00:05:48,440 --> 00:05:51,880 Speaker 4: and my cousin asked me if I had a financial 111 00:05:51,960 --> 00:05:55,479 Speaker 4: plan for the future and what my retirement looked like, 112 00:05:55,640 --> 00:05:59,440 Speaker 4: and I didn't know how to answer that articulately, so 113 00:05:59,520 --> 00:06:03,000 Speaker 4: to speak. You know, we saved, right, We plan on 114 00:06:03,080 --> 00:06:04,919 Speaker 4: never having to go back to work again and maybe 115 00:06:04,960 --> 00:06:08,680 Speaker 4: rely on some social security along with it. And then 116 00:06:08,720 --> 00:06:11,039 Speaker 4: I realized that that wasn't it, and I realized that 117 00:06:11,080 --> 00:06:13,040 Speaker 4: I'd have to give up a lot of the cable 118 00:06:13,120 --> 00:06:16,480 Speaker 4: channels that I watched, you know, ten or fifteen years 119 00:06:16,480 --> 00:06:18,440 Speaker 4: from now. That was the first thing, is that I 120 00:06:18,440 --> 00:06:21,240 Speaker 4: didn't know what I didn't know, and so having her 121 00:06:21,279 --> 00:06:24,600 Speaker 4: explained to me what that looked like was an eye opener. 122 00:06:25,120 --> 00:06:26,800 Speaker 4: And then the second one is I grew up in 123 00:06:26,800 --> 00:06:30,640 Speaker 4: the South suburbs of Chicago, and my grandfather had over 124 00:06:30,800 --> 00:06:33,240 Speaker 4: about I want to say, twelve to fifteen acres of land, 125 00:06:33,240 --> 00:06:36,040 Speaker 4: and it was farm land. We grew fruits and vegetables 126 00:06:36,120 --> 00:06:39,880 Speaker 4: and had pigs and horses and chickens, and he built 127 00:06:39,920 --> 00:06:43,880 Speaker 4: a concrete home on that land. But when I was nineteen, 128 00:06:44,040 --> 00:06:47,400 Speaker 4: my grandfather was dying of bone cancer and my mom 129 00:06:47,480 --> 00:06:49,200 Speaker 4: and her two brothers said he needed to put a 130 00:06:49,240 --> 00:06:52,520 Speaker 4: wheel in place, and he said, I don't need to 131 00:06:52,520 --> 00:06:54,600 Speaker 4: do that. You and your brother's handle it. Well. F 132 00:06:54,640 --> 00:06:57,599 Speaker 4: long story short, they didn't handle it. The boys wanted 133 00:06:57,600 --> 00:06:59,679 Speaker 4: to sell, Mom wanted to keep it in the family, 134 00:07:00,560 --> 00:07:02,880 Speaker 4: and so she continued to pay the taxes on the 135 00:07:02,960 --> 00:07:05,760 Speaker 4: land until she passed away when I was twenty four. 136 00:07:06,440 --> 00:07:08,680 Speaker 4: Now I'm gonna get a little real here. I'm the 137 00:07:08,720 --> 00:07:12,120 Speaker 4: youngest of seven kids, and we have a very large family, 138 00:07:12,480 --> 00:07:14,920 Speaker 4: and all those grown folks in the family didn't pay 139 00:07:14,960 --> 00:07:18,360 Speaker 4: the taxes, so we lost the taxes the land to 140 00:07:18,760 --> 00:07:23,000 Speaker 4: tax sales. And so about five years ago I went 141 00:07:23,040 --> 00:07:25,960 Speaker 4: home and the area because you know, you always ride 142 00:07:26,000 --> 00:07:28,240 Speaker 4: past where you used to live and grow up, and 143 00:07:28,280 --> 00:07:31,320 Speaker 4: it was instant and come to find out, Amazon was 144 00:07:31,360 --> 00:07:34,240 Speaker 4: building a distribution center on the land I grew up. 145 00:07:34,440 --> 00:07:39,720 Speaker 1: Plan on this story don't getting wow Wow. 146 00:07:39,760 --> 00:07:45,680 Speaker 4: So that's where my desire, my passion for helping uneducated 147 00:07:45,720 --> 00:07:49,280 Speaker 4: people become educated to really make some financial decisions that 148 00:07:49,320 --> 00:07:52,160 Speaker 4: will impact their lives, not just now but in the future. 149 00:07:52,480 --> 00:07:54,840 Speaker 3: Well, you know, and I appreciate that on the story. 150 00:07:54,960 --> 00:07:56,640 Speaker 3: And I try to be honest on this show. I 151 00:07:56,640 --> 00:07:59,200 Speaker 3: try to tell people about my mistakes. I try to 152 00:07:59,200 --> 00:08:01,640 Speaker 3: tell people that, you know, my life isn't rosie. I 153 00:08:01,760 --> 00:08:05,120 Speaker 3: tell them whether it's my health stupidity, because you know, 154 00:08:05,720 --> 00:08:07,520 Speaker 3: I've made some dumb decisions. 155 00:08:08,040 --> 00:08:08,280 Speaker 1: Dude. 156 00:08:08,320 --> 00:08:10,640 Speaker 3: I tell everybody brag about the fact I eat ice cream. 157 00:08:10,800 --> 00:08:12,400 Speaker 3: I eat a guy on ice cream a week. I 158 00:08:12,440 --> 00:08:14,280 Speaker 3: tell people that in the heartbeat. Then all of a sudden, 159 00:08:14,440 --> 00:08:16,720 Speaker 3: I got high blood pressure and high cholesterol. 160 00:08:17,600 --> 00:08:21,160 Speaker 1: Am I stunned? No, because you've been doing stupid things. 161 00:08:21,760 --> 00:08:24,960 Speaker 5: Please don't go anywhere. We'll be right back with more 162 00:08:25,000 --> 00:08:34,920 Speaker 5: money Making Conversations Masterclass. Welcome back to the Money Making 163 00:08:34,960 --> 00:08:40,679 Speaker 5: Conversations Masterclass, hosted by Rashaan McDonald. Money Making Conversations Masterclass 164 00:08:40,760 --> 00:08:45,360 Speaker 5: continues online at Moneymakingconversations dot com and follow money Making 165 00:08:45,400 --> 00:08:49,040 Speaker 5: Conversations Masterclass on Facebook, Twitter, and Instagram. 166 00:08:49,440 --> 00:08:51,800 Speaker 3: But I think that when you look at so many 167 00:08:51,840 --> 00:08:56,000 Speaker 3: stories about you know, we had land and or we 168 00:08:56,240 --> 00:08:58,880 Speaker 3: and didn't understand how to pass that land, and then 169 00:08:59,280 --> 00:09:02,720 Speaker 3: you do hear some great stories where the family understood 170 00:09:02,920 --> 00:09:06,719 Speaker 3: how to create a legacies with that land and get 171 00:09:06,760 --> 00:09:09,880 Speaker 3: it to the next point. Now you know if a 172 00:09:10,040 --> 00:09:12,640 Speaker 3: number that you brought up was fifty, and that reason 173 00:09:12,679 --> 00:09:15,600 Speaker 3: I bringing that up because certain people locked down certain 174 00:09:15,640 --> 00:09:18,280 Speaker 3: age numbers where they go I can't do nothing else 175 00:09:18,320 --> 00:09:18,760 Speaker 3: with my life. 176 00:09:18,880 --> 00:09:19,360 Speaker 1: This is it. 177 00:09:19,480 --> 00:09:21,760 Speaker 3: I'm just gonna get to the finish line. But at 178 00:09:21,800 --> 00:09:24,000 Speaker 3: fifty you didn't see it that way. You didn't see 179 00:09:24,000 --> 00:09:24,920 Speaker 3: a finished line? 180 00:09:25,120 --> 00:09:27,800 Speaker 1: What what? What? What? What kept you motivating? 181 00:09:29,440 --> 00:09:31,520 Speaker 4: I plan on living till one hundred and twelve. 182 00:09:31,600 --> 00:09:33,480 Speaker 1: There you go, girl, there you go. Come on me 183 00:09:33,520 --> 00:09:35,080 Speaker 1: and you. I'm telling me and you. 184 00:09:37,120 --> 00:09:39,240 Speaker 4: Lord to get it years to get it right. 185 00:09:39,400 --> 00:09:40,720 Speaker 1: But I'm gonna be like Dick Van Dyke. 186 00:09:40,760 --> 00:09:45,319 Speaker 3: Though Dick van Dyke still out there dancing, splitting acting. 187 00:09:45,679 --> 00:09:47,920 Speaker 3: You know, that's that's what Rashaan's going to be. I 188 00:09:47,920 --> 00:09:50,680 Speaker 3: swear to you. You you see me walking around slow, 189 00:09:50,679 --> 00:09:53,040 Speaker 3: I'll be doing my yoga, I'll be doing my stretching, 190 00:09:53,120 --> 00:09:56,200 Speaker 3: my sit ups. Because I be looking at people my 191 00:09:56,320 --> 00:09:58,880 Speaker 3: age walk. I go, I can't walk like that. I 192 00:09:58,880 --> 00:10:01,760 Speaker 3: can't walk like that. I got to do my stretching 193 00:10:01,800 --> 00:10:04,080 Speaker 3: and all those things. And I wasn't doing that. And 194 00:10:04,160 --> 00:10:07,640 Speaker 3: I was realizing that if you allow age to win, 195 00:10:08,200 --> 00:10:08,559 Speaker 3: then the. 196 00:10:08,520 --> 00:10:13,400 Speaker 1: Results are bad, that's right. And at fifty you said. 197 00:10:13,320 --> 00:10:16,720 Speaker 3: No, that is not my eye. Don't you look at 198 00:10:16,760 --> 00:10:19,400 Speaker 3: me and tell me when I'm gonna die, don't you 199 00:10:19,480 --> 00:10:19,760 Speaker 3: do that? 200 00:10:20,760 --> 00:10:23,400 Speaker 4: And so what the problem is is that, you know, 201 00:10:23,480 --> 00:10:25,880 Speaker 4: my birth certificate said fifty. I felt like I was 202 00:10:25,920 --> 00:10:26,640 Speaker 4: in my thirties. 203 00:10:26,679 --> 00:10:28,520 Speaker 1: There you go. You know, well that's me. 204 00:10:28,720 --> 00:10:31,520 Speaker 4: I don't allow age numbers to define how I live 205 00:10:31,600 --> 00:10:31,880 Speaker 4: my life. 206 00:10:32,000 --> 00:10:34,920 Speaker 1: Say that to my audience one more time. Come on, please, please. 207 00:10:34,760 --> 00:10:38,640 Speaker 4: Really, I do not allow age to define how I 208 00:10:38,679 --> 00:10:39,400 Speaker 4: live my life. 209 00:10:39,520 --> 00:10:41,280 Speaker 3: Now, you know you've been repeating a lot of things 210 00:10:41,320 --> 00:10:44,000 Speaker 3: on your interview because you've been saying some profound stuff 211 00:10:44,040 --> 00:10:47,560 Speaker 3: to my audience. Because see I always tell people this, Laura, 212 00:10:48,640 --> 00:10:51,800 Speaker 3: never allow age to be an excuse on anything you 213 00:10:51,840 --> 00:10:55,680 Speaker 3: want to do. You know, yes, physically you may not 214 00:10:55,760 --> 00:10:58,080 Speaker 3: be able to do things, but if your mind's right 215 00:10:58,360 --> 00:11:00,360 Speaker 3: and you have the ability of plan, you have they 216 00:11:00,440 --> 00:11:03,559 Speaker 3: to create relationships you can win with. Here's my next question. 217 00:11:03,600 --> 00:11:05,920 Speaker 3: I want to ask you one of the most common 218 00:11:05,960 --> 00:11:09,720 Speaker 3: financial challenges you see people in their thirties and forties facing, 219 00:11:10,200 --> 00:11:13,480 Speaker 3: and how do you advise them overcoming them? 220 00:11:13,960 --> 00:11:18,280 Speaker 4: Oh, the biggest one I see with people in their 221 00:11:18,280 --> 00:11:22,920 Speaker 4: thirties and forties is the number one. They believe that 222 00:11:22,960 --> 00:11:25,440 Speaker 4: they need to pay off debt first. And you know, 223 00:11:25,480 --> 00:11:28,880 Speaker 4: the golden rule is to always pay yourself first. That's 224 00:11:29,080 --> 00:11:32,439 Speaker 4: number one. And then the especially people in their forties, 225 00:11:32,880 --> 00:11:36,160 Speaker 4: they're putting away money and products that they cannot access, 226 00:11:36,280 --> 00:11:39,679 Speaker 4: but will need access to as they get older, either 227 00:11:40,000 --> 00:11:46,520 Speaker 4: for investment purposes or planning on, you know, different purchases 228 00:11:46,559 --> 00:11:48,280 Speaker 4: in the future. Some are still looking to buy their 229 00:11:48,360 --> 00:11:52,120 Speaker 4: dream homes and things like that, so they're saving, but 230 00:11:52,200 --> 00:11:55,720 Speaker 4: again not in all the proper buckets. That's number one, 231 00:11:55,720 --> 00:11:57,720 Speaker 4: and then number two, the biggest thing that they face 232 00:11:57,840 --> 00:11:59,080 Speaker 4: is feeling like they have time. 233 00:12:01,520 --> 00:12:02,800 Speaker 1: When you said time. 234 00:12:02,600 --> 00:12:04,880 Speaker 4: To you know, put away money right now? 235 00:12:05,600 --> 00:12:09,280 Speaker 3: They have time, right but let's let's talk about that 236 00:12:09,320 --> 00:12:11,680 Speaker 3: real quick before we go to break because of the 237 00:12:11,720 --> 00:12:13,720 Speaker 3: fact that we all feel. 238 00:12:13,559 --> 00:12:16,440 Speaker 1: We have time, and we do. We really do have time. 239 00:12:16,480 --> 00:12:19,760 Speaker 3: Because see, but you need a plan. You have to 240 00:12:19,840 --> 00:12:21,400 Speaker 3: need to have to start a playing somewhere. We're gonna 241 00:12:21,400 --> 00:12:24,360 Speaker 3: start the plan at fifty sixty seventy, but it's always 242 00:12:24,480 --> 00:12:30,480 Speaker 3: nicer if you start that plan at thirty forty, if 243 00:12:30,480 --> 00:12:33,360 Speaker 3: you're really smart in your twenties. Because I kind of 244 00:12:33,400 --> 00:12:36,280 Speaker 3: did that a little bit lore but I didn't understand 245 00:12:36,360 --> 00:12:39,760 Speaker 3: what I was doing. See, that's making a plan without 246 00:12:39,800 --> 00:12:41,679 Speaker 3: a clear understanding of your plan. 247 00:12:44,080 --> 00:12:47,680 Speaker 1: Does that make sense to that, you know what I'm saying. 248 00:12:47,800 --> 00:12:51,000 Speaker 3: So that meant that I didn't value the long term 249 00:12:51,840 --> 00:12:54,160 Speaker 3: of what I needed to do with that plan. And 250 00:12:54,240 --> 00:12:56,400 Speaker 3: so because I look back and go, man, if you 251 00:12:56,559 --> 00:13:00,480 Speaker 3: just not even mess with that money and it just 252 00:13:00,480 --> 00:13:03,000 Speaker 3: just see where it would have been right now with 253 00:13:03,120 --> 00:13:06,480 Speaker 3: stock splitting and splitting again and splitting again and riding 254 00:13:06,520 --> 00:13:09,120 Speaker 3: through two thousand and eight. Girl, you wouldn't even be 255 00:13:09,120 --> 00:13:11,040 Speaker 3: listening to me on this show. I'll be having money 256 00:13:11,040 --> 00:13:16,800 Speaker 3: making conversations at the house because I understood my plan. 257 00:13:17,320 --> 00:13:21,160 Speaker 3: And when you do financial literacy and financial education, that's 258 00:13:21,200 --> 00:13:23,680 Speaker 3: the number one question that I have to keep asking 259 00:13:23,720 --> 00:13:25,920 Speaker 3: myself is when am I going to listen to the 260 00:13:26,000 --> 00:13:30,560 Speaker 3: right people? And you wanted the right people to listen to. 261 00:13:30,960 --> 00:13:32,760 Speaker 3: So how do you get the word out about you? 262 00:13:32,840 --> 00:13:33,160 Speaker 1: Laura? 263 00:13:35,920 --> 00:13:38,320 Speaker 4: It's two things. So one I'm really excited about that's 264 00:13:38,360 --> 00:13:40,480 Speaker 4: coming up where I'm going to focus solely on women. 265 00:13:41,520 --> 00:13:46,000 Speaker 4: But most of it comes from either networking events, hosting 266 00:13:46,000 --> 00:13:48,520 Speaker 4: my webinars, which I tend to do a lot of 267 00:13:49,320 --> 00:13:52,520 Speaker 4: host a lot of free online webinars, and then I'm 268 00:13:52,600 --> 00:13:56,840 Speaker 4: also invited to speak out at events. And I have 269 00:13:56,920 --> 00:13:59,440 Speaker 4: a team of I like to call them my young generation, 270 00:13:59,520 --> 00:14:02,560 Speaker 4: which I saw appreciate them of people in their twenties 271 00:14:02,600 --> 00:14:05,400 Speaker 4: and thirties and being able to get them out in 272 00:14:05,440 --> 00:14:09,520 Speaker 4: the community because it takes a village. I can't do 273 00:14:09,559 --> 00:14:12,120 Speaker 4: it alone. So it takes a village to really bring 274 00:14:12,160 --> 00:14:15,520 Speaker 4: the awareness and have access to a demographic I would 275 00:14:15,559 --> 00:14:18,679 Speaker 4: normally have access to. So between me and my team, 276 00:14:19,960 --> 00:14:22,520 Speaker 4: there isn't one person I don't see that I don't 277 00:14:22,520 --> 00:14:24,040 Speaker 4: care where they're work, and I ask them, do you 278 00:14:24,080 --> 00:14:26,680 Speaker 4: see yourself doing this for the next twenty thirty years? 279 00:14:28,720 --> 00:14:35,120 Speaker 3: You know some I don't know if you know when 280 00:14:35,240 --> 00:14:37,080 Speaker 3: if you'd asked me why I was in my twenties 281 00:14:37,840 --> 00:14:40,800 Speaker 3: because I was still trying to figure myself out, Laura, 282 00:14:41,200 --> 00:14:44,200 Speaker 3: and you know, I was working at IBM, and I 283 00:14:44,240 --> 00:14:46,800 Speaker 3: knew that wasn't the job for me, that wasn't my 284 00:14:46,960 --> 00:14:52,040 Speaker 3: dream job. And so I always tell people what you 285 00:14:52,120 --> 00:14:56,720 Speaker 3: do between eighteen and twenty two really defines what you 286 00:14:56,760 --> 00:14:59,080 Speaker 3: can do for the rest of your life, because that's 287 00:14:59,120 --> 00:15:04,560 Speaker 3: when you you are fearless. You're gonna go do whatever 288 00:15:04,600 --> 00:15:08,120 Speaker 3: you need to do. Nobody can't tell you anything. That 289 00:15:08,240 --> 00:15:13,200 Speaker 3: personality she'd sustain you should be the sustaining personality in 290 00:15:13,240 --> 00:15:13,960 Speaker 3: your entire life. 291 00:15:14,080 --> 00:15:15,480 Speaker 1: I'm speaking with Laura Finny. 292 00:15:15,560 --> 00:15:18,560 Speaker 3: You know she had a moment when she was fifty 293 00:15:18,640 --> 00:15:21,200 Speaker 3: years old her fiftieth birthday, and guess what she told me? 294 00:15:21,280 --> 00:15:22,240 Speaker 1: Rashan, I wasn't. 295 00:15:22,120 --> 00:15:24,880 Speaker 3: Really clear because it was my fiftieth birthday, but I 296 00:15:24,960 --> 00:15:27,080 Speaker 3: knew I had to make a change, and that my 297 00:15:27,240 --> 00:15:31,240 Speaker 3: change was becoming financially literate. She has eight years of 298 00:15:31,280 --> 00:15:35,800 Speaker 3: experience in the financial services industry. An expert in delivering 299 00:15:35,840 --> 00:15:41,560 Speaker 3: personalized financial literacy programs, workshops, and one on one consultations, 300 00:15:41,880 --> 00:15:45,720 Speaker 3: she helps clients achieve financial stability and success. She is 301 00:15:45,760 --> 00:15:49,520 Speaker 3: passionate about assisting individuals and reaching both their short term 302 00:15:49,960 --> 00:15:57,240 Speaker 3: and long term financial goals. Now, Laura, budgets, We hear 303 00:15:57,320 --> 00:16:01,200 Speaker 3: that word a lot. Budgets, Like you said earlier, you know, 304 00:16:01,360 --> 00:16:04,280 Speaker 3: paying young people tend to want to pay off loans 305 00:16:04,320 --> 00:16:08,520 Speaker 3: real quick on their credit cards. Now, can you share 306 00:16:08,560 --> 00:16:13,320 Speaker 3: some basic budgeting tips for individuals and families who want 307 00:16:13,360 --> 00:16:17,600 Speaker 3: to get better control of their finances? 308 00:16:17,800 --> 00:16:22,480 Speaker 4: Yes? Well, Number one, you have to have money. I 309 00:16:22,600 --> 00:16:25,120 Speaker 4: like to call it an increased cash flow every month. 310 00:16:25,200 --> 00:16:27,120 Speaker 4: Every month you should be in a position to save 311 00:16:27,240 --> 00:16:31,200 Speaker 4: some sort of money. And so there's like four categories 312 00:16:31,280 --> 00:16:34,200 Speaker 4: that I look at specifically where people are spending money 313 00:16:34,240 --> 00:16:39,120 Speaker 4: when it comes to their finances, and it's hanging out, 314 00:16:39,480 --> 00:16:47,120 Speaker 4: guiding out, shopping, and personal care. Sometimes I see anywhere 315 00:16:47,240 --> 00:16:52,120 Speaker 4: from five hundred to most recently nine hundred dollars a 316 00:16:52,160 --> 00:16:55,360 Speaker 4: month in any one of those categories that people are spending, 317 00:16:56,360 --> 00:16:58,680 Speaker 4: and that's a lot of money going out. That's the 318 00:16:58,720 --> 00:17:02,600 Speaker 4: first thing is really checked. See of those four categories, 319 00:17:02,600 --> 00:17:07,720 Speaker 4: where can you streamline your your cash flow going out, the. 320 00:17:07,840 --> 00:17:09,200 Speaker 1: Hanging out and dining out? 321 00:17:09,200 --> 00:17:11,760 Speaker 3: There, hanging out and hanging out and dining out, that's 322 00:17:11,800 --> 00:17:16,119 Speaker 3: the first really killers in your trying to streamline your budget. 323 00:17:16,160 --> 00:17:17,680 Speaker 1: Okay, okay, yep. 324 00:17:18,359 --> 00:17:23,080 Speaker 4: And then the personal care. You know, I fire my 325 00:17:23,119 --> 00:17:25,280 Speaker 4: barber because he charged me fifty dollars and my hair 326 00:17:25,680 --> 00:17:32,840 Speaker 4: is about a shortage yours. There just has to be 327 00:17:32,920 --> 00:17:37,080 Speaker 4: an accountability for the reasons. Now, you and I we're 328 00:17:37,160 --> 00:17:41,760 Speaker 4: in the public, you know, we that's that. But for 329 00:17:42,200 --> 00:17:44,840 Speaker 4: young girls going out spending you know, four or five 330 00:17:44,920 --> 00:17:48,560 Speaker 4: hundred dollars a month on hair is just unreasonable because 331 00:17:49,040 --> 00:17:51,600 Speaker 4: that's money that one hundred of that you can put away. 332 00:17:52,000 --> 00:17:54,120 Speaker 4: So the first thing is really to look at when 333 00:17:54,119 --> 00:17:57,240 Speaker 4: you're budgeting, how much can you really afford based on 334 00:17:57,280 --> 00:17:59,840 Speaker 4: your current lifestyle and the lifestyle you want to live 335 00:18:00,320 --> 00:18:03,040 Speaker 4: later and the other one is to make sure that 336 00:18:03,080 --> 00:18:07,119 Speaker 4: you have an emergency fund. That one is so important. 337 00:18:06,880 --> 00:18:08,520 Speaker 4: Don't care. I tell people, if you can save a 338 00:18:08,560 --> 00:18:11,080 Speaker 4: dollar a day, you can have an emergency fund. It 339 00:18:11,119 --> 00:18:13,879 Speaker 4: doesn't take putting away, you know, one hundred dollars a 340 00:18:13,920 --> 00:18:17,000 Speaker 4: month or one thousand dollars a month. Just start where 341 00:18:17,080 --> 00:18:20,919 Speaker 4: you are so that we create a new habit of saving. 342 00:18:21,680 --> 00:18:24,080 Speaker 4: And so that's like the biggest thing for me right 343 00:18:24,119 --> 00:18:27,320 Speaker 4: now with helping people budget is to really budget what 344 00:18:27,400 --> 00:18:31,000 Speaker 4: you're eating every week. I have one client ask me about, 345 00:18:31,000 --> 00:18:34,360 Speaker 4: how do you know avoid spending so much dining out 346 00:18:34,400 --> 00:18:36,520 Speaker 4: when you know we have to go to lunch with clients, 347 00:18:36,600 --> 00:18:38,280 Speaker 4: I says, who said you had to go to lunch 348 00:18:38,280 --> 00:18:41,960 Speaker 4: with clients? Rashan, I'll do a walking meeting up at 349 00:18:42,000 --> 00:18:46,440 Speaker 4: Gifts Gardens in Ballground, Georgia. Right meet me and Kennisa. 350 00:18:46,720 --> 00:18:48,919 Speaker 4: Let's take a drive. I got fruit and nuts in 351 00:18:48,960 --> 00:18:50,960 Speaker 4: a car for us, and let's go have a meeting 352 00:18:50,960 --> 00:18:53,359 Speaker 4: in a beautiful environment. You can have a meeting in 353 00:18:53,400 --> 00:18:56,000 Speaker 4: the park, but most people feel like, you know, to 354 00:18:56,080 --> 00:18:58,240 Speaker 4: be a part of something, they need to have this 355 00:18:58,280 --> 00:19:00,880 Speaker 4: persona that they can go out and eat three four 356 00:19:00,920 --> 00:19:03,200 Speaker 4: times a week. Two three times a day, and that's 357 00:19:03,280 --> 00:19:07,359 Speaker 4: just unrealistic. You can't sustain that. But that would be 358 00:19:07,400 --> 00:19:09,119 Speaker 4: the biggest way is to really look at what your 359 00:19:09,160 --> 00:19:12,199 Speaker 4: expenses are and to really cut back on things that 360 00:19:12,280 --> 00:19:15,240 Speaker 4: are not a part of your necessities for every day living. 361 00:19:15,440 --> 00:19:17,919 Speaker 3: You know, really when we look at the economy, like 362 00:19:18,040 --> 00:19:19,960 Speaker 3: I was filling up my truck the other day, and 363 00:19:20,320 --> 00:19:22,720 Speaker 3: you know, I just fill up, you know, and I'm 364 00:19:22,720 --> 00:19:24,880 Speaker 3: not saying because I got it. Guess what, I got 365 00:19:24,880 --> 00:19:29,000 Speaker 3: to put gas in the vehicle. Okay, And so you 366 00:19:29,000 --> 00:19:32,520 Speaker 3: can complain, But guess what if you drive and stop complaining, Okay, 367 00:19:32,600 --> 00:19:35,560 Speaker 3: you got it, I don't start walking. I can't walk 368 00:19:35,560 --> 00:19:37,560 Speaker 3: because everything I want to do is so far apart. 369 00:19:38,040 --> 00:19:41,320 Speaker 3: And so with that being said, the families, you know, 370 00:19:42,560 --> 00:19:45,480 Speaker 3: you know, what can you do? You know when you 371 00:19:45,960 --> 00:19:50,120 Speaker 3: got kids that going to school, you got you maybe 372 00:19:50,119 --> 00:19:52,639 Speaker 3: a single mom, you might be even a single dad. 373 00:19:52,760 --> 00:19:54,600 Speaker 3: You know, you might be in a divorced situation, or 374 00:19:54,640 --> 00:19:57,320 Speaker 3: you might be a unified family. How do you look 375 00:19:57,359 --> 00:20:01,680 Speaker 3: at trying to make sure your child feels good about life, 376 00:20:01,800 --> 00:20:05,879 Speaker 3: but still having a budget that doesn't break break the break, 377 00:20:06,080 --> 00:20:07,600 Speaker 3: you know, that allow you to have a future. 378 00:20:09,040 --> 00:20:12,480 Speaker 4: Oh two things. One is you got to be a 379 00:20:12,520 --> 00:20:16,240 Speaker 4: little bit creative. You know, when we were growing up, 380 00:20:16,520 --> 00:20:20,320 Speaker 4: we didn't have as many options for entertainment, right, we 381 00:20:20,320 --> 00:20:23,119 Speaker 4: we made our own entertainment we had. I was talking 382 00:20:23,119 --> 00:20:24,879 Speaker 4: to a young lady today and talking about, you know, 383 00:20:24,920 --> 00:20:26,960 Speaker 4: I'm gonna sit out in the backyard with my grandson's 384 00:20:27,000 --> 00:20:29,840 Speaker 4: and we get the chairs around and we'll, you know, 385 00:20:30,359 --> 00:20:33,880 Speaker 4: pull out the fire pit and have some fun that way, right, 386 00:20:34,000 --> 00:20:37,280 Speaker 4: Things that don't cost money, so to speak. You know, 387 00:20:37,320 --> 00:20:40,359 Speaker 4: if my grandson wants me to take him to, you know, 388 00:20:40,440 --> 00:20:43,159 Speaker 4: some jumping place I'm looking at six, Well, here we go. 389 00:20:43,440 --> 00:20:45,280 Speaker 4: It's just my five year old granddaughter. 390 00:20:45,560 --> 00:20:48,680 Speaker 1: You want to check your cheese. Oh gosh. 391 00:20:51,520 --> 00:20:53,120 Speaker 4: You wanted to go to lunch And I said, well, 392 00:20:53,359 --> 00:20:55,520 Speaker 4: do you want some chicken nuggets and chicken salace? He 393 00:20:55,680 --> 00:20:58,240 Speaker 4: was like, no, I want to seize her salad. So 394 00:20:58,320 --> 00:21:01,520 Speaker 4: I took her to us a round, got to seize 395 00:21:01,520 --> 00:21:04,000 Speaker 4: a salad, and she said, I want a dessert. Forty 396 00:21:04,040 --> 00:21:09,719 Speaker 4: five dollars later, I said, listen, I can't. I can't space. 397 00:21:09,880 --> 00:21:12,080 Speaker 4: We can only do this like once a quarter, right, 398 00:21:12,200 --> 00:21:14,320 Speaker 4: because you still got to be able to save. But 399 00:21:14,359 --> 00:21:16,840 Speaker 4: the fun thing is that I also know I can 400 00:21:16,880 --> 00:21:19,720 Speaker 4: make a really cheap but most delicious dessert which you 401 00:21:19,760 --> 00:21:21,520 Speaker 4: and I'll talk about you and your food at another 402 00:21:21,560 --> 00:21:24,640 Speaker 4: time because I'm totally intrigued. Okay, I can take two 403 00:21:24,720 --> 00:21:28,399 Speaker 4: dollars and create the most amazing apple desserts that'll have 404 00:21:28,920 --> 00:21:32,639 Speaker 4: anybody asking for more. So it really is just knowing 405 00:21:32,720 --> 00:21:35,840 Speaker 4: how to stretch a dollar, but know that you don't 406 00:21:35,880 --> 00:21:38,359 Speaker 4: have to go and support these other businesses and create 407 00:21:38,400 --> 00:21:42,040 Speaker 4: generational wealth for those families versus being creative in your 408 00:21:42,040 --> 00:21:44,320 Speaker 4: own space. Me and my daughters, we used to have 409 00:21:44,400 --> 00:21:46,119 Speaker 4: slumber parties in the basement. 410 00:21:46,000 --> 00:21:48,920 Speaker 1: Right right, right, right right, So it's. 411 00:21:48,640 --> 00:21:50,440 Speaker 4: A little bit more about being a little bit more 412 00:21:50,480 --> 00:21:52,920 Speaker 4: creative as to what you can do to entertain your kids. 413 00:21:52,960 --> 00:21:55,680 Speaker 4: And there are tons of free parks in and around Atlanta. 414 00:21:55,720 --> 00:21:56,200 Speaker 1: You know this. 415 00:21:56,200 --> 00:21:58,360 Speaker 3: This interview is about you and your brand that you've 416 00:21:58,359 --> 00:22:02,080 Speaker 3: been doing and building for ageas when one contacts you, Laura, 417 00:22:02,400 --> 00:22:05,840 Speaker 3: what is the process, what's the technique? And how do 418 00:22:05,920 --> 00:22:11,240 Speaker 3: you bring somebody into your formatter your strategy to make 419 00:22:11,280 --> 00:22:12,919 Speaker 3: their lives financially better? 420 00:22:13,080 --> 00:22:13,879 Speaker 1: How does that work? 421 00:22:14,920 --> 00:22:17,119 Speaker 4: The first one is a quick call. I want to 422 00:22:17,200 --> 00:22:19,840 Speaker 4: understand why you called or why you would like to 423 00:22:19,880 --> 00:22:21,800 Speaker 4: sit and talk so I can get a better idea 424 00:22:21,800 --> 00:22:23,480 Speaker 4: of where you are and what you want to do. 425 00:22:23,960 --> 00:22:26,000 Speaker 4: The second one is to really sit down and just 426 00:22:26,280 --> 00:22:28,440 Speaker 4: interview you so I don't like you're doing me right 427 00:22:28,480 --> 00:22:33,080 Speaker 4: now about everything that you want now and in the future. Basically, 428 00:22:33,080 --> 00:22:34,919 Speaker 4: what are you getting up for every day. It's not 429 00:22:35,040 --> 00:22:37,240 Speaker 4: to pay bills, it's not to go on vacation in 430 00:22:37,320 --> 00:22:40,280 Speaker 4: six months. What you get up for today is what's 431 00:22:40,320 --> 00:22:43,080 Speaker 4: going to affect you ten years from now in your life. 432 00:22:43,400 --> 00:22:46,440 Speaker 4: So let's focus on what that looks like. And then 433 00:22:46,520 --> 00:22:49,080 Speaker 4: the next appointment is coming back with a strategy with 434 00:22:49,400 --> 00:22:52,879 Speaker 4: ideas six steps starting from where you are now to 435 00:22:52,880 --> 00:22:53,960 Speaker 4: get you to where you want to be. 436 00:22:55,640 --> 00:22:59,400 Speaker 3: Wow, you know, I really look at myself when I 437 00:22:59,440 --> 00:23:01,800 Speaker 3: talk to any individuals like to do in this financial 438 00:23:01,800 --> 00:23:06,200 Speaker 3: literacy community. There are so many misconceptions about money management 439 00:23:06,840 --> 00:23:15,520 Speaker 3: and can you address any of them? 440 00:23:15,600 --> 00:23:19,119 Speaker 4: I'm just you know, radio silence is bad, right, But 441 00:23:19,200 --> 00:23:21,560 Speaker 4: that's one of those ones that really gets me really 442 00:23:21,560 --> 00:23:25,520 Speaker 4: frustrated because when I do see it, people don't manage 443 00:23:25,520 --> 00:23:28,240 Speaker 4: it well because again they're living for today and tomorrow 444 00:23:28,320 --> 00:23:31,240 Speaker 4: and next month and not for you know, down the 445 00:23:31,320 --> 00:23:34,800 Speaker 4: road and I think that's the biggest thing is helping 446 00:23:34,840 --> 00:23:39,359 Speaker 4: people understand that. You know, that's the whole thing about 447 00:23:39,440 --> 00:23:42,359 Speaker 4: chasing money, right, you can't chase something And you mentioned 448 00:23:42,400 --> 00:23:44,320 Speaker 4: something that if you don't mind, I want to circle 449 00:23:44,400 --> 00:23:47,159 Speaker 4: back to about like the single moms or you know, 450 00:23:47,320 --> 00:23:50,640 Speaker 4: parents who are living paycheck to paycheck. Is we all 451 00:23:51,160 --> 00:23:53,400 Speaker 4: know that you have to increase cash flow. You can't 452 00:23:53,440 --> 00:23:55,800 Speaker 4: save money based on where you are now if it's 453 00:23:55,960 --> 00:23:58,920 Speaker 4: already a struggle, So how do you increase cash flow? 454 00:23:58,960 --> 00:24:02,359 Speaker 4: And that's helping these parents understand that you can't keep 455 00:24:02,400 --> 00:24:05,200 Speaker 4: adding more hours to your day. You can't take more 456 00:24:05,240 --> 00:24:07,919 Speaker 4: time away for your kids. But understanding and being in 457 00:24:07,920 --> 00:24:11,600 Speaker 4: an environment and having good contacts to talk about what 458 00:24:11,680 --> 00:24:14,359 Speaker 4: residual income looks like for you so that you don't 459 00:24:14,440 --> 00:24:16,160 Speaker 4: have to go out and work a second or third 460 00:24:16,240 --> 00:24:18,840 Speaker 4: or fourth job, but you can still increase that cash 461 00:24:18,840 --> 00:24:21,560 Speaker 4: flow coming in because sometimes it just feels what it is, 462 00:24:21,560 --> 00:24:24,720 Speaker 4: you can't squeeze another hour out of their day, right, 463 00:24:24,800 --> 00:24:27,280 Speaker 4: But then how do I manage that? And manage that 464 00:24:27,480 --> 00:24:30,160 Speaker 4: is knowing that you have a financial plan and that's 465 00:24:30,200 --> 00:24:32,800 Speaker 4: what you get up for every day. Nobody can sway 466 00:24:32,920 --> 00:24:36,080 Speaker 4: me to take a trip, you know, because I know 467 00:24:36,160 --> 00:24:37,720 Speaker 4: that in the next three months, I want to do 468 00:24:37,800 --> 00:24:40,520 Speaker 4: something else with this money. But many people are like, 469 00:24:40,560 --> 00:24:43,119 Speaker 4: my dear friend that's listening, she's gonna kill me. But 470 00:24:43,520 --> 00:24:45,360 Speaker 4: you know, she wanted to take a trip to Jamaica 471 00:24:45,359 --> 00:24:47,399 Speaker 4: and it's gonna run her almost one thousand dollars. And 472 00:24:47,480 --> 00:24:49,040 Speaker 4: I said, what's your budget? She said, I don't have 473 00:24:49,040 --> 00:24:49,439 Speaker 4: a budget. 474 00:24:49,480 --> 00:24:56,120 Speaker 3: I was like, it kills met with a budget? 475 00:24:56,320 --> 00:24:57,920 Speaker 1: And lor, how can we get in touch with Jazish? 476 00:24:57,920 --> 00:24:59,439 Speaker 1: Wrap up this show. You're fantastic. 477 00:25:00,520 --> 00:25:03,240 Speaker 4: They can reach out to me via my website. There's 478 00:25:03,320 --> 00:25:06,080 Speaker 4: a contact form on the page. It's my first name, 479 00:25:06,240 --> 00:25:08,680 Speaker 4: Laura l A U r A. My last name is 480 00:25:08,720 --> 00:25:12,560 Speaker 4: Finny f I n n e y. The word enterprises, 481 00:25:12,800 --> 00:25:16,679 Speaker 4: so Laura Fenny enterprises with an S dot nex. They 482 00:25:16,680 --> 00:25:18,520 Speaker 4: can fill that out, tell me why they want me 483 00:25:18,560 --> 00:25:20,280 Speaker 4: to reach out to them or why they're reaching out 484 00:25:20,320 --> 00:25:21,880 Speaker 4: to me, and I'll be sure to get back with them. 485 00:25:22,040 --> 00:25:22,960 Speaker 1: Ah, you're fantastic. 486 00:25:23,000 --> 00:25:26,280 Speaker 3: Thank you for coming on Money Making Conversations Masterclass laurafinny 487 00:25:26,560 --> 00:25:27,680 Speaker 3: enterprises dot net. 488 00:25:27,840 --> 00:25:29,560 Speaker 1: Okay, thank you, Rashaan, I appreciate you. 489 00:25:30,440 --> 00:25:33,680 Speaker 3: This has been another edition of Money Making Conversation Masterclass 490 00:25:33,760 --> 00:25:36,840 Speaker 3: posted by me Rashaun McDonald. Thank you to our guests 491 00:25:36,920 --> 00:25:39,440 Speaker 3: on the show today and thank you our listening to 492 00:25:39,560 --> 00:25:41,960 Speaker 3: audience now. If you want to listen to any episode 493 00:25:42,000 --> 00:25:44,080 Speaker 3: I want to be a guest on the show, visit 494 00:25:44,359 --> 00:25:49,080 Speaker 3: Moneymakingconversations dot com. Our social media handle is money Making Conversation. 495 00:25:49,520 --> 00:25:51,919 Speaker 3: Join us next week and remember to always leave with 496 00:25:52,000 --> 00:25:52,560 Speaker 3: your gifts. 497 00:25:52,880 --> 00:26:03,719 Speaker 1: Keep winning.