WEBVTT - Checking In Replay: The Boujee Banker

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<v Speaker 1>Welcome to Checking In with Michelle Williams, a production of

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<v Speaker 1>iHeartRadio and The Black Effect. Hey, family, you know I

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<v Speaker 1>love you and I got a question for you, maybe

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<v Speaker 1>two questions. Do you feel like you're working just to

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<v Speaker 1>pay off your credit cards? Do you feel like you

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<v Speaker 1>live in paycheck to paycheck? Or have you wanted to invest?

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<v Speaker 1>But it all sounds very confusing. Well, my next guest

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<v Speaker 1>has all those answers for you coming up next on

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<v Speaker 1>Checking In. Okay, y'all, I'm so excited about today's guests.

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<v Speaker 1>We had been dming each other on Instagram for a

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<v Speaker 1>while saying when you're gonna come on checking In or

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<v Speaker 1>I've got to meet you. She is a sought after

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<v Speaker 1>financial consultant and expert for shows like The Table, Bloomberg

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<v Speaker 1>Radio Business Insider. She's also an author, podcaster, educator, and

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<v Speaker 1>yes she's a mama of three. Please welcome Brakel Curtis

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<v Speaker 1>to Checking In.

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<v Speaker 2>Hey, Michelle oh Man, that intro I was like, who's

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<v Speaker 2>that honey?

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<v Speaker 1>Listen and y'all she you might really know her as

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<v Speaker 1>the Bougie Banker, which was definitely a catchy name on Instagram.

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<v Speaker 1>I followed her immediately because there was something that she

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<v Speaker 1>posted that was on the explore page, and it seems

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<v Speaker 1>like we follow some of the same mutual good people.

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<v Speaker 1>So I was like, Okay, I know we're gonna be

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<v Speaker 1>in great company with each other.

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<v Speaker 2>Yes, I'm so excited to be here. When you followed me,

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<v Speaker 2>I had to check out, like wait a minute, hold on, Michelle.

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<v Speaker 2>So I'm just so excited. I called my mama immediately.

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<v Speaker 1>Please, hey, mama. We started following each other because during

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<v Speaker 1>the pandemic, the whole crypto and four X thing became

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<v Speaker 1>something very popular, and I began following you because you

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<v Speaker 1>were so educational. And there's a disclaimer, ladies and gentlemen,

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<v Speaker 1>Yes she is a financial consultant, but you must speak

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<v Speaker 1>with your own advisor because what she's gonna say to

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<v Speaker 1>you are suggestions and not necessarily advice. So what I

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<v Speaker 1>liked on your Instagram page, Raquel, was that you had

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<v Speaker 1>great suggestions about banking, investment, and crypto and at that

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<v Speaker 1>time for X can be considered an investment. So I

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<v Speaker 1>began following you for some education and all that good stuff,

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<v Speaker 1>and I'm glad I did. So how did you get

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<v Speaker 1>started in the field of consulting in the area of financing.

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<v Speaker 2>This is a very long story of being broke. So originally,

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<v Speaker 2>you know, I went to school with Sabanna State University,

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<v Speaker 2>graduated with a degree in criminal justice, and I went

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<v Speaker 2>on to become a directional officer. Now this entire time,

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<v Speaker 2>I was like, that's my field. We had to take

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<v Speaker 2>one semester of math. I'm good. And that's exactly where

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<v Speaker 2>I stayed up until I was pregnant with my now

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<v Speaker 2>ten year olds and a fight that broke out between

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<v Speaker 2>two inmates, and in that moment I was thinking about

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<v Speaker 2>doing my job and I ran to go break up

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<v Speaker 2>the fight. One of the inmates fell on my stomach.

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<v Speaker 2>I was placed on bed rest for the duration of

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<v Speaker 2>that pregnancy, and then when she was born, you know,

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<v Speaker 2>we didn't have a lot of money, and so I

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<v Speaker 2>became a stay at home mom. So during that time,

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<v Speaker 2>you know, obviously I loved my children, obviously, you know,

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<v Speaker 2>I love that whole dynamic. But I really felt like

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<v Speaker 2>I worked too hard not to feel myself grow as

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<v Speaker 2>an individual anymore. So since we couldn't afford to send

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<v Speaker 2>my daughter to childcare, I just got a job at

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<v Speaker 2>the local daycare. I was making seven dollars and twenty

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<v Speaker 2>five cents an hour and with a degree that was

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<v Speaker 2>kind of hard to swallow over. But to do what

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<v Speaker 2>you have to do. And I started paying attention to

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<v Speaker 2>what management was doing, what the owners were doing, and

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<v Speaker 2>I was like, you know what, you can figure this out.

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<v Speaker 2>You're smart enough. So I started taking CDA classes, so

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<v Speaker 2>just childhood certification classes on the weekend. And then I

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<v Speaker 2>started watching people's children, which eventually bled into it being

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<v Speaker 2>its own in home daycare. Now this point, I'm like,

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<v Speaker 2>oh wow, I'm like doing the entrepreneur thing. This is great.

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<v Speaker 2>But I was learning business and a few things transpired

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<v Speaker 2>just with my family, and so I ended up closing

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<v Speaker 2>down my daycare. A few years later, my youngest was born,

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<v Speaker 2>and you know, I'm five to nine. I have an

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<v Speaker 2>athletic build, so I think she was born. People were

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<v Speaker 2>asking me, how did you snap back so quick? Says

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<v Speaker 2>this year break. My daughters burned on July first, my

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<v Speaker 2>brother's lack fifteen. How did you snap back so quick?

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<v Speaker 2>And I have all of this experience from being a

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<v Speaker 2>collegiate athlete, played basketball, ran track my whole life. You know,

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<v Speaker 2>I'm like, I can train them to help them get

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<v Speaker 2>into shape. You know I could do this, So I

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<v Speaker 2>started helping people, and I realized that I enjoyed it

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<v Speaker 2>and I was doing very well at it. So I

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<v Speaker 2>got my certification to be a personal trainer a few

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<v Speaker 2>months after that. About six months after that, I opened

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<v Speaker 2>the first women's only gym with childcare in my city,

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<v Speaker 2>and so everything was going great.

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<v Speaker 1>Way wait wait, wait, wait, the first gym with childcare

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<v Speaker 1>in your city. And what city is this?

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<v Speaker 2>This is Comington, Georgia. Wow, in the country, in the stix.

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<v Speaker 2>So you know, I had seven employees, seventeen hundred square

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<v Speaker 2>foot building. And then unfortunately, one day I was headed

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<v Speaker 2>home and this older gentleman ran a red light. He

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<v Speaker 2>t bowed my vehicle. I was putting in a neck

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<v Speaker 2>brace for about six months. I had over sixteen spital injections.

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<v Speaker 2>At that point, I could not work or work out

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<v Speaker 2>for a year. So all of the hard work, all

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<v Speaker 2>of the funds that I put into that space, I

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<v Speaker 2>watched my accounts dream completely into the negative MM most

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<v Speaker 2>of them closed out in the red. And so I

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<v Speaker 2>was in a season to where you know, we had

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<v Speaker 2>two income earner expenses on one source of income. We

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<v Speaker 2>needed food stamps, couldn't qualify for them. You know, we

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<v Speaker 2>were having conversations with each other like did you eat

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<v Speaker 2>And he'd be like yeah, and he didn't eat, and

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<v Speaker 2>he'd ask me and I didn't eat. But we made

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<v Speaker 2>sure that food. And you know, maybe there was places

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<v Speaker 2>where we could have reached out to, but there's a

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<v Speaker 2>certain level of pride and ego that really came into

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<v Speaker 2>that at the time, and you just didn't want people

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<v Speaker 2>to know what was going on, you know. And so

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<v Speaker 2>eventually I was able to go back to work, and

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<v Speaker 2>what I realized I was doing. I was working at

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<v Speaker 2>FedEx overnight, I was working at the front desk of

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<v Speaker 2>a hotel during the day, and I was selling life insurance.

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<v Speaker 2>And so I'm doing all this hustling and grinding and

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<v Speaker 2>getting it and I'm realizing the entire time, I'm working

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<v Speaker 2>this hard and nothing is coming out of it because

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<v Speaker 2>I'm continuing to chase what that lifestyle looked like from

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<v Speaker 2>being a business owner opposed to actually building wealth or

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<v Speaker 2>even starting to build wealth, or what building wealth looked like.

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<v Speaker 2>So how I ended up becoming a banker was you know,

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<v Speaker 2>I had to have a hard look at myself because

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<v Speaker 2>we were still living paycheck to paycheck even though we

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<v Speaker 2>both were working, and things just were going south fast.

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<v Speaker 2>So eventually it was just myself and my girls, and

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<v Speaker 2>I had to have a hard look at my life

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<v Speaker 2>and say, you know, is just the life that I

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<v Speaker 2>want for my daughters And it wasn't. So I started

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<v Speaker 2>watching YouTube videos, downloading templates, you know, trying to do

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<v Speaker 2>everything that YouTube said I should do, and a budget worked.

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<v Speaker 2>The templates worked for about two weeks and my two weeks,

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<v Speaker 2>and as soon as life would happen, I would go

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<v Speaker 2>right back to the same habits and behaviors that caused

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<v Speaker 2>me to be broke the first time, you know. So

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<v Speaker 2>I looked at my babies and I said, something's got

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<v Speaker 2>to change. I started asking myself some really hard questions

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<v Speaker 2>around money that had to do with my relationship and

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<v Speaker 2>not the numbers. That point when I changed what that

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<v Speaker 2>conversation looked like with myself, When I started checking in

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<v Speaker 2>with myself.

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<v Speaker 1>Come on, come on.

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<v Speaker 2>Checking in with myself, I was really able to change that.

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<v Speaker 2>I started to build learn study about financial literacy. I

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<v Speaker 2>started to study investments. I started to get around people,

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<v Speaker 2>places and things that spoke like and I was able

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<v Speaker 2>to change from having closed out bank accounts to having,

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<v Speaker 2>you know, multiple five figure investment portfolios, multiple five figure

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<v Speaker 2>savings accounts, and at this point in time, I'm still hustling,

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<v Speaker 2>I'm still getting I'm working these multiple jobs. And my

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<v Speaker 2>best friend was a banker. She said, you know, you've

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<v Speaker 2>gotten really good with money. Have you thought about taking

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<v Speaker 2>this on as a career.

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<v Speaker 1>Thanks? Friend. What's your friend's name, Lisa?

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<v Speaker 2>Thank you girl, thankless. So I became a banker, and

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<v Speaker 2>it was literally the best thing that could have ever

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<v Speaker 2>happened to me. At this point in time, I had

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<v Speaker 2>gone through so many up and down swings with money,

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<v Speaker 2>and I'd finally gotten it together. So when people were

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<v Speaker 2>sitting with me, I wasn't just opening accounts, I wasn't

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<v Speaker 2>just getting credit cards for them. I was looking at

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<v Speaker 2>the red in their account and I saw myself. So

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<v Speaker 2>I started helping them build budgets that was holding them

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<v Speaker 2>accountable to their budget. And I thought that this is

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<v Speaker 2>my like, this is where I'm supposed to be, you know,

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<v Speaker 2>And I wanted to climb that corporate ladder. But unfortunately,

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<v Speaker 2>or fortunately, December third of twenty twenty, I walked into work.

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<v Speaker 2>My manager let me know that due to the pandemic.

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<v Speaker 2>They had to make some decisions and they had to

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<v Speaker 2>let me go, and they let go of three bankers

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<v Speaker 2>in my branch. They let go of thousands of bankers

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<v Speaker 2>company wide. And I felt myself in that same position again,

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<v Speaker 2>like I don't want to lose everything I just built.

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<v Speaker 2>I worked so hard for it. So I leaned on

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<v Speaker 2>my experiences from the past and being entrepreneur with my

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<v Speaker 2>newfound knowledge of money management, and I said, you know what,

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<v Speaker 2>I just want to help people. That's all I want

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<v Speaker 2>to do is just continue to help people. So between

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<v Speaker 2>December third and twenty twenty and today my book has sold.

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<v Speaker 2>I wrote a book. I'm a first time authored. My

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<v Speaker 2>book has sold in seven countries and it's dealing with

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<v Speaker 2>their relationship with money.

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<v Speaker 1>Yes, it is called Living Bougie and Balanced, Mastering your

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<v Speaker 1>Money mindset, and it.

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<v Speaker 2>You know, it's almost sold in every state in the US,

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<v Speaker 2>and I'm really grateful for that. You know, my brand

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<v Speaker 2>operates in over thirty countries now and I really give

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<v Speaker 2>it to the grace of God.

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<v Speaker 1>Now do you think had you not been let go

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<v Speaker 1>from your job, would you have done the book?

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<v Speaker 2>No, I don't think so.

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<v Speaker 1>The pandemic birthed millionaires entrepreneurs because it pushed people out.

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<v Speaker 2>Of comfort zones. Yeah, I cried, snot knows boohoo, like

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<v Speaker 2>bad my friends like cried all the way home. And

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<v Speaker 2>then the next day I woke up and I was like,

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<v Speaker 2>it's time to get to it. You have it's Christmas time, Yeah,

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<v Speaker 2>I have dark Yeah, it's time to go.

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<v Speaker 1>Yeah. And by the way, what you did is actually recommended,

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<v Speaker 1>where you give yourself, depending on the situation, twenty four

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<v Speaker 1>to forty eight hours to mourn something, and then after

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<v Speaker 1>that you got to get up and start looking at solutions. Now,

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<v Speaker 1>it's not to say after that seventy second hour or

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<v Speaker 1>beyond that you still won't feel sad, But I'm so

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<v Speaker 1>glad within those forty eight hours you was like, all right,

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<v Speaker 1>I'm gonna wipe these tears. Yes, I'm sad. It's something

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<v Speaker 1>called feeling your feelings, right, And I'm so glad that

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<v Speaker 1>you literally got up. You got up, So yeah, I

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<v Speaker 1>am so happy for you. Now, in your book, you

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<v Speaker 1>dive into healing the underlying relationship with money that we

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<v Speaker 1>tend to ignore it before focusing on the numbers. So

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<v Speaker 1>where do most of the underlying issues come from.

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<v Speaker 2>So I'm a firm believer that our thoughts, behaviors, actions,

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<v Speaker 2>all of those things are shaped from our childhood and

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<v Speaker 2>our environments that we grew up in. And what I

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<v Speaker 2>love about Checking In is that in chapter four you

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<v Speaker 2>talk about that, you talk about your childhood. And this

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<v Speaker 2>is such a good book, by the way, I love it.

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<v Speaker 2>Thank you, welcome, and I have it here highlighted. You said, so,

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<v Speaker 2>when I reflect, I have to start with the relationships

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<v Speaker 2>I had with my mom and my dad, and I

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<v Speaker 2>have to ask myself some tough questions. You know, there's

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<v Speaker 2>something that we are told is that be careful how

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<v Speaker 2>you raise your children, because they will grow up dating

0:12:57.679 --> 0:13:01.200
<v Speaker 2>someone just like you. You heard that before. Yeah, and

0:13:01.280 --> 0:13:04.960
<v Speaker 2>so the same thing happens with your relationship with money.

0:13:05.040 --> 0:13:08.240
<v Speaker 2>So if you grew up in an abusive household right

0:13:08.320 --> 0:13:11.000
<v Speaker 2>where let's just say it's verbally abusive, and you're constantly

0:13:11.000 --> 0:13:14.040
<v Speaker 2>told you're stupid and that you know you're ugly or

0:13:14.080 --> 0:13:16.800
<v Speaker 2>what have you, just all these derogatory things, the meaning

0:13:16.840 --> 0:13:20.520
<v Speaker 2>things that you're told. When you start dating the person

0:13:20.520 --> 0:13:22.599
<v Speaker 2>that you date, if they call you stupid, you're not

0:13:22.640 --> 0:13:24.520
<v Speaker 2>going to recognize that as a red flag. You're just

0:13:24.559 --> 0:13:25.120
<v Speaker 2>gonna be like.

0:13:25.559 --> 0:13:28.960
<v Speaker 1>You're familiar with trauma, you're familiar with abuse, so it

0:13:29.000 --> 0:13:30.800
<v Speaker 1>looks like I belong here absolutely.

0:13:31.240 --> 0:13:33.520
<v Speaker 2>And where that difference is if you're a child who

0:13:33.520 --> 0:13:35.839
<v Speaker 2>grew up in a loving and supportive household where they say,

0:13:35.880 --> 0:13:38.719
<v Speaker 2>you know, you're intelligent, you can do anything, you're so beautiful.

0:13:39.240 --> 0:13:42.040
<v Speaker 2>Then when you grow up, if you come across that

0:13:42.120 --> 0:13:44.920
<v Speaker 2>type of person that calls you stupid or they don't

0:13:44.920 --> 0:13:47.520
<v Speaker 2>speak liking to you, you're a hold up. Hold up,

0:13:47.559 --> 0:13:51.120
<v Speaker 2>that's that's not me because you recognize that as a

0:13:51.120 --> 0:13:54.520
<v Speaker 2>red flag. The same thing happens with your relationship with money.

0:13:54.520 --> 0:13:57.120
<v Speaker 2>If you grew up and all you saw was your

0:13:57.160 --> 0:14:00.120
<v Speaker 2>parents worked super hard for that money and all they

0:14:00.120 --> 0:14:02.800
<v Speaker 2>did was spend it, or they argued about money all

0:14:02.840 --> 0:14:05.199
<v Speaker 2>the time, or they were constantly tired because they were

0:14:05.240 --> 0:14:07.880
<v Speaker 2>working all the time and just never had any space

0:14:07.920 --> 0:14:11.719
<v Speaker 2>to live and breed, chances are that you grew up

0:14:11.760 --> 0:14:15.280
<v Speaker 2>reflecting some of those same habits with your relationship with money.

0:14:15.840 --> 0:14:19.720
<v Speaker 1>Wow, so how you saw your parents handle money is

0:14:20.000 --> 0:14:23.320
<v Speaker 1>possibly how you will handle money.

0:14:23.480 --> 0:14:25.560
<v Speaker 2>Your parents or your environment, or some people grow up

0:14:25.560 --> 0:14:28.480
<v Speaker 2>with their grandparents, how the people they look up to

0:14:28.600 --> 0:14:30.360
<v Speaker 2>may not have been their mom and dad maybould have been.

0:14:30.440 --> 0:14:33.040
<v Speaker 2>You know, ann to your uncle. It's your environment. It

0:14:33.160 --> 0:14:37.720
<v Speaker 2>shapes you, your habits, your behaviors, your triggers, it shapes you.

0:14:37.720 --> 0:14:40.600
<v Speaker 1>You are so right. I remember growing up my mother

0:14:40.680 --> 0:14:43.840
<v Speaker 1>wanted us to make sure that we had good credit too,

0:14:44.720 --> 0:14:47.800
<v Speaker 1>and she would always say, you don't want to not

0:14:47.880 --> 0:14:50.960
<v Speaker 1>be able to get a lollipop on credit. She would

0:14:51.000 --> 0:14:53.800
<v Speaker 1>always stress to us about good credit. And so to

0:14:53.840 --> 0:14:58.200
<v Speaker 1>this day I have probably got every alert possible to credit.

0:14:59.360 --> 0:15:02.600
<v Speaker 1>Or when you pay your credit card balances at a

0:15:02.600 --> 0:15:07.960
<v Speaker 1>certain time, you know it can positively or negatively affect

0:15:08.000 --> 0:15:12.440
<v Speaker 1>credit because of certain cycles with credit, and trust me,

0:15:12.880 --> 0:15:17.720
<v Speaker 1>I remember that. I also remember seeing investment envelopes come

0:15:17.760 --> 0:15:23.760
<v Speaker 1>to the house like my mother was investing, and that

0:15:23.880 --> 0:15:27.200
<v Speaker 1>was so good to see. But at the same time,

0:15:27.680 --> 0:15:34.000
<v Speaker 1>a lot of the arguments stemmed across money. That's really

0:15:34.000 --> 0:15:40.720
<v Speaker 1>a relationship killer if compromise or resolution around finances is

0:15:40.800 --> 0:15:42.520
<v Speaker 1>not quickly figured out.

0:15:42.600 --> 0:15:45.320
<v Speaker 2>Absolutely, and there's another one too. Have you heard as

0:15:45.360 --> 0:15:47.200
<v Speaker 2>long as you have a roof over your head, closing

0:15:47.240 --> 0:15:49.160
<v Speaker 2>your back and footing your stomach, don't worry about it.

0:15:49.240 --> 0:15:52.120
<v Speaker 2>Stay in a child's place, yep. So I just think

0:15:52.120 --> 0:15:54.560
<v Speaker 2>it's so interesting that growing up, we're taught the Golden

0:15:54.640 --> 0:15:57.320
<v Speaker 2>rule about how to treat others, but we're not taught

0:15:57.320 --> 0:15:59.840
<v Speaker 2>the Golden rule about how to treat money, when that's

0:16:00.080 --> 0:16:04.400
<v Speaker 2>literally what we need to survive. And so for most

0:16:04.440 --> 0:16:07.640
<v Speaker 2>of us, our first relationship with money was when we

0:16:07.640 --> 0:16:10.480
<v Speaker 2>were already in debt because we went to college got

0:16:10.480 --> 0:16:13.240
<v Speaker 2>financial aid. And then now we're in adults. Who has

0:16:13.280 --> 0:16:15.600
<v Speaker 2>a negative relationship with money out the gate because now

0:16:15.720 --> 0:16:17.000
<v Speaker 2>we're trying to swim upstream.

0:16:17.760 --> 0:16:20.280
<v Speaker 1>Y'all. If y'all are in college and you're on the yard,

0:16:21.000 --> 0:16:25.120
<v Speaker 1>do not. I don't know it, but back in the day,

0:16:25.360 --> 0:16:28.400
<v Speaker 1>every credit card company was on the yard, honey, and

0:16:28.480 --> 0:16:31.240
<v Speaker 1>they after you fill out the application, you get a

0:16:31.280 --> 0:16:35.240
<v Speaker 1>free bag of peanut eminems or a calculator. Stuff you

0:16:36.080 --> 0:16:39.760
<v Speaker 1>stuff you need, don't you do it?

0:16:39.880 --> 0:16:41.920
<v Speaker 2>They had to shut them down from doing that. That

0:16:42.040 --> 0:16:44.840
<v Speaker 2>was like predatory lending practices.

0:16:44.760 --> 0:16:47.440
<v Speaker 1>Really, so they did. So this was between the years

0:16:47.520 --> 0:16:50.080
<v Speaker 1>nineteen ninety seven and nineteen ninety nine when I was

0:16:50.080 --> 0:16:52.200
<v Speaker 1>in college. So it's good to know that they don't

0:16:52.280 --> 0:16:53.120
<v Speaker 1>do that anymore.

0:16:53.400 --> 0:16:55.600
<v Speaker 2>If I'm here and you redreate it, you know, they

0:16:55.760 --> 0:16:58.440
<v Speaker 2>find their ways. I was eighteen with a credit score

0:16:58.480 --> 0:17:00.560
<v Speaker 2>seven twenty and didn't know it. You know, I grew

0:17:00.600 --> 0:17:03.040
<v Speaker 2>up in an environment where my mom worked extremely hard

0:17:03.720 --> 0:17:07.920
<v Speaker 2>and I had the benefit of being a spoiled brat.

0:17:09.600 --> 0:17:13.160
<v Speaker 2>But I had zero value attachment to money. And my grandfather,

0:17:13.320 --> 0:17:15.679
<v Speaker 2>he you know, did what he did. And by the

0:17:15.680 --> 0:17:17.880
<v Speaker 2>time I was eighteen, I had a credit score seven twenty.

0:17:17.920 --> 0:17:20.280
<v Speaker 2>I didn't know what credit was. Wow, I got my

0:17:20.320 --> 0:17:24.920
<v Speaker 2>first credit card and max it out on my boyfriend. Good.

0:17:24.960 --> 0:17:28.200
<v Speaker 1>That's a whole other episode. You was being sugar mama.

0:17:28.320 --> 0:17:31.400
<v Speaker 2>I was a whole sugar mama.

0:17:31.600 --> 0:17:34.960
<v Speaker 1>Lord Jesus God blessed. We won't hold it against you.

0:17:35.080 --> 0:17:40.080
<v Speaker 1>We've all done some I won't say stupid unwise. I've

0:17:40.119 --> 0:17:44.400
<v Speaker 1>done some unwise things as it relates to love, relationships

0:17:44.560 --> 0:17:49.840
<v Speaker 1>and money. Now, because you talked about the underlying issues,

0:17:49.840 --> 0:17:53.919
<v Speaker 1>sometimes those underlying issues can create certain triggers as it

0:17:54.000 --> 0:17:57.639
<v Speaker 1>relates to money. What's one of the steps that you

0:17:57.680 --> 0:18:01.960
<v Speaker 1>would suggest so that folks can start feeling more positive

0:18:02.880 --> 0:18:03.840
<v Speaker 1>about money.

0:18:04.480 --> 0:18:07.920
<v Speaker 2>Yeah, the first thing you need to do to start

0:18:07.960 --> 0:18:10.600
<v Speaker 2>feeling more positive about your relationship with money is to

0:18:10.640 --> 0:18:14.280
<v Speaker 2>definitely have the hard conversation first and then when you

0:18:14.400 --> 0:18:17.800
<v Speaker 2>identify what your triggers are, you'll be able to start

0:18:17.800 --> 0:18:22.199
<v Speaker 2>developing healthy boundaries around those triggers. So identifying what your

0:18:22.240 --> 0:18:26.719
<v Speaker 2>triggers are is key. We all have a reason why

0:18:26.840 --> 0:18:29.680
<v Speaker 2>we impulsively spend our money, whether it's a positive reason

0:18:29.720 --> 0:18:31.879
<v Speaker 2>or a negative reason. And it could be argued if

0:18:31.880 --> 0:18:34.280
<v Speaker 2>your friends and family members are a positive reason or

0:18:34.320 --> 0:18:37.280
<v Speaker 2>if they're a negative reason. But there's still reasons why

0:18:37.320 --> 0:18:41.080
<v Speaker 2>we do it. And so you could say that I'm

0:18:41.119 --> 0:18:44.200
<v Speaker 2>going to take some time and I'm going to write

0:18:44.240 --> 0:18:47.679
<v Speaker 2>down every positive reason as to why I impulsively spend

0:18:47.680 --> 0:18:51.320
<v Speaker 2>my money and then draw a line down the paper

0:18:51.359 --> 0:18:53.360
<v Speaker 2>and on the opposite side, you're going to write every

0:18:54.400 --> 0:18:59.600
<v Speaker 2>negative emotion that's attached to why you spend your money impulsible.

0:19:00.560 --> 0:19:04.280
<v Speaker 2>So maybe if you're you know, stressed at work or exhausted,

0:19:04.600 --> 0:19:08.200
<v Speaker 2>you know those are reasons why. Now how you get

0:19:08.240 --> 0:19:11.439
<v Speaker 2>into a happier place with this is everything that's in

0:19:11.440 --> 0:19:14.439
<v Speaker 2>the positive column, you need to factor it into your

0:19:14.480 --> 0:19:17.320
<v Speaker 2>money management plan because you're gonna do it anyways. It

0:19:17.359 --> 0:19:20.880
<v Speaker 2>makes you feel good. Everything that falls in the negative

0:19:20.920 --> 0:19:24.600
<v Speaker 2>column you should write if then statements around if I

0:19:24.640 --> 0:19:29.200
<v Speaker 2>am stressed, then my response is instead of I'm gonna

0:19:29.240 --> 0:19:31.800
<v Speaker 2>go and shop on Amazon or Fashionova and have these

0:19:31.840 --> 0:19:34.840
<v Speaker 2>temporary moments of joy and then feel guilty about spending

0:19:34.840 --> 0:19:37.639
<v Speaker 2>the money anyway, right fact, you're gonna say, if I

0:19:37.680 --> 0:19:40.800
<v Speaker 2>feel stressed, then I'm gonna run a nice hot bath

0:19:40.840 --> 0:19:42.280
<v Speaker 2>and play some relaxing music.

0:19:42.560 --> 0:19:43.840
<v Speaker 1>Or that's free.

0:19:43.920 --> 0:19:46.919
<v Speaker 2>It's free, or you know, I'm gonna get on the

0:19:46.920 --> 0:19:49.720
<v Speaker 2>phone and just gossip, put my girlfriends or what have you.

0:19:49.800 --> 0:19:52.679
<v Speaker 2>But change it from you spending the money to you

0:19:52.760 --> 0:19:56.960
<v Speaker 2>doing an activity that will change the emotional attachment to

0:19:57.080 --> 0:19:58.520
<v Speaker 2>why you're spending the money.

0:19:59.320 --> 0:20:02.600
<v Speaker 1>Okay, y'all. When I do these podcasts, they just don't

0:20:02.640 --> 0:20:05.240
<v Speaker 1>be for y'all. It's for me too, you know. And

0:20:05.280 --> 0:20:08.560
<v Speaker 1>these are great notes. I have accounting in business management,

0:20:08.600 --> 0:20:12.239
<v Speaker 1>but I love when they can tell a difference in

0:20:12.280 --> 0:20:15.359
<v Speaker 1>a spending habit. Or you ain't used this credit card,

0:20:15.800 --> 0:20:18.720
<v Speaker 1>let me tell you some There are certain emails that

0:20:18.800 --> 0:20:21.280
<v Speaker 1>you get from your credit card company. If you haven't

0:20:21.400 --> 0:20:24.320
<v Speaker 1>used it in like a week or two, they start

0:20:24.400 --> 0:20:26.680
<v Speaker 1>sending you stuff to make sure you're still there, You're

0:20:26.680 --> 0:20:29.760
<v Speaker 1>still alive, what's going on? I love when I get

0:20:29.760 --> 0:20:32.080
<v Speaker 1>there I can look at a certain email and know.

0:20:32.240 --> 0:20:35.720
<v Speaker 1>Oh it's because I haven't touched it, you know, And

0:20:35.840 --> 0:20:38.400
<v Speaker 1>so that does make me feel good. So y'all, when

0:20:38.400 --> 0:20:41.600
<v Speaker 1>I've got people on here, trust me, I'm listening for

0:20:41.760 --> 0:20:45.080
<v Speaker 1>me too. So those were some great steps that you

0:20:45.160 --> 0:20:48.760
<v Speaker 1>gave us. Have you found that it's true that if

0:20:48.760 --> 0:20:51.720
<v Speaker 1>you stress about money or feel that you don't have money,

0:20:52.000 --> 0:20:55.760
<v Speaker 1>that somehow it manifests into you not having money.

0:20:55.840 --> 0:20:59.479
<v Speaker 2>Absolutely, come on, you have to change the conversation. And

0:20:59.600 --> 0:21:02.240
<v Speaker 2>to be quite frank, the conversation didn't change for me

0:21:02.320 --> 0:21:05.160
<v Speaker 2>until I changed my environment. You have to change your

0:21:05.160 --> 0:21:09.800
<v Speaker 2>thought process because words are things, thoughts are things, and

0:21:10.040 --> 0:21:13.040
<v Speaker 2>you will eventually speak into your life what you have

0:21:13.200 --> 0:21:16.399
<v Speaker 2>or what you don't have. And so I started learning

0:21:16.440 --> 0:21:19.240
<v Speaker 2>that concept really when I became a part of a

0:21:19.240 --> 0:21:22.239
<v Speaker 2>company and they focused on personal development. And then I

0:21:22.280 --> 0:21:24.840
<v Speaker 2>was encouraged to go out to a Bob Proctor event.

0:21:25.000 --> 0:21:26.920
<v Speaker 1>Oh yeah, and then I.

0:21:26.840 --> 0:21:29.080
<v Speaker 2>Was going to Believe Nation events and I was like,

0:21:29.119 --> 0:21:31.679
<v Speaker 2>wait a minute, Oh, wait a minute, and flip the

0:21:31.760 --> 0:21:35.320
<v Speaker 2>whole script. So, yes, you can definitely speak wealth or telf.

0:21:35.400 --> 0:21:38.200
<v Speaker 1>So we both are familiar with the leader of Believe

0:21:38.320 --> 0:21:42.640
<v Speaker 1>Nation and how he would break down the word future. Yes, right,

0:21:43.200 --> 0:21:46.520
<v Speaker 1>and how we discovered that the word future means the

0:21:46.600 --> 0:21:49.520
<v Speaker 1>time or period of time following the moment of speaking

0:21:49.600 --> 0:21:54.200
<v Speaker 1>or writing. Absolutely, we ain't God, but we show got

0:21:54.200 --> 0:21:58.399
<v Speaker 1>a hand, a small pinky to do with our future

0:21:58.480 --> 0:22:03.040
<v Speaker 1>by what we said, and that includes money. So what

0:22:03.080 --> 0:22:04.879
<v Speaker 1>do you have to say to the person that's like

0:22:05.880 --> 0:22:10.800
<v Speaker 1>Raquel ms boogie banker? I hear you, but I've been

0:22:10.840 --> 0:22:14.200
<v Speaker 1>struggling with money all my life. I can never make

0:22:14.400 --> 0:22:17.959
<v Speaker 1>I'm barely making ends meet. Y'all always talking about this

0:22:18.119 --> 0:22:22.480
<v Speaker 1>positive speaking and what you say matters, but I'm broke.

0:22:24.480 --> 0:22:27.520
<v Speaker 1>Baby daddy ain't coming through with the child support.

0:22:27.960 --> 0:22:31.760
<v Speaker 2>Listen, because that was me once upon a time. I

0:22:31.800 --> 0:22:34.240
<v Speaker 2>would definitely say this. You either have an income issue

0:22:34.359 --> 0:22:36.679
<v Speaker 2>or you have an effort for issue. It's one of

0:22:36.680 --> 0:22:39.880
<v Speaker 2>the other. And so if you have an income issue,

0:22:40.160 --> 0:22:43.280
<v Speaker 2>then it can be fixed because it's just the activity

0:22:43.400 --> 0:22:46.919
<v Speaker 2>has to change, which also equates to the effort that

0:22:46.960 --> 0:22:50.320
<v Speaker 2>you put into your situation. The only person who has

0:22:50.480 --> 0:22:53.720
<v Speaker 2>power over where you currently are and where you will

0:22:53.800 --> 0:22:56.080
<v Speaker 2>or will not be six months to a year from

0:22:56.119 --> 0:22:59.679
<v Speaker 2>now is you. So if you're constantly complaining about not

0:22:59.720 --> 0:23:02.600
<v Speaker 2>having I mean, then that activity is not going to

0:23:02.680 --> 0:23:05.040
<v Speaker 2>match for you to have the things that you desire

0:23:05.040 --> 0:23:06.800
<v Speaker 2>to have, even if it's not well, maybe you just

0:23:06.840 --> 0:23:09.880
<v Speaker 2>want to live comfortably, maybe you just want to be happy. Yeah,

0:23:09.920 --> 0:23:12.560
<v Speaker 2>but if the activity is not adding up to you

0:23:12.640 --> 0:23:16.840
<v Speaker 2>getting there, you're never gonna achieve it. So the question

0:23:17.000 --> 0:23:21.199
<v Speaker 2>really becomes, are you more complacent with complaining than you

0:23:21.359 --> 0:23:24.920
<v Speaker 2>are for being in the search of growth? That's really

0:23:24.960 --> 0:23:25.480
<v Speaker 2>the question.

0:23:26.280 --> 0:23:28.080
<v Speaker 1>It's tight, but it's right, y'all. Don't want to hear

0:23:28.119 --> 0:23:31.760
<v Speaker 1>that good preaching today the walls just say amen, because y'all,

0:23:31.800 --> 0:23:36.040
<v Speaker 1>I'm not hearing nobody say amen out as they say.

0:23:36.040 --> 0:23:38.000
<v Speaker 1>If you can't say amen, say out.

0:23:38.320 --> 0:23:40.879
<v Speaker 2>Just taster Daniel say, y'all not hearing me?

0:23:41.840 --> 0:23:46.919
<v Speaker 1>Okay, as he said, did you hear what I just said?

0:23:50.080 --> 0:23:50.240
<v Speaker 2>Y'all?

0:23:50.280 --> 0:23:54.000
<v Speaker 1>Did y'all hear what this woman just said? That stings,

0:23:54.400 --> 0:23:57.639
<v Speaker 1>especially if you know that it's you, and the point

0:23:57.680 --> 0:24:02.280
<v Speaker 1>of checking in is to have great testimonials of This

0:24:02.400 --> 0:24:06.639
<v Speaker 1>episode changed my life. It snapped me back into a

0:24:06.720 --> 0:24:10.160
<v Speaker 1>positive mindset, or it helped me evaluate my mindset when

0:24:10.200 --> 0:24:12.680
<v Speaker 1>it comes to money, because a lot of people also

0:24:12.760 --> 0:24:15.920
<v Speaker 1>think you have to already come from a thirty seven

0:24:15.920 --> 0:24:20.000
<v Speaker 1>percent tax bracket to have wealth, or you can't have

0:24:20.119 --> 0:24:23.880
<v Speaker 1>made as many mistakes as I've made so many mistakes, Michelle,

0:24:24.520 --> 0:24:28.560
<v Speaker 1>I've done this. I've done that. There's no possible way

0:24:29.080 --> 0:24:31.240
<v Speaker 1>that I can get myself out of this. And I'm

0:24:31.320 --> 0:24:34.199
<v Speaker 1>telling you some of the worst of the worst have

0:24:34.480 --> 0:24:37.479
<v Speaker 1>made complete changes in their life, not only in their

0:24:37.520 --> 0:24:41.080
<v Speaker 1>mindset and their relationships, but with money. And you are right.

0:24:41.600 --> 0:24:44.320
<v Speaker 1>Maybe your goal is to make sixty thousand a year

0:24:44.320 --> 0:24:47.359
<v Speaker 1>because you know in your demographic sixty thousand a year

0:24:48.000 --> 0:24:51.000
<v Speaker 1>is amazing. Those of y'all that live in New York,

0:24:51.600 --> 0:24:55.119
<v Speaker 1>sixty thousand might not gut it. So it is okay

0:24:55.160 --> 0:24:58.280
<v Speaker 1>to set certain financial goals for yourself, just like you said,

0:24:58.320 --> 0:25:01.120
<v Speaker 1>as long as that effort is matching. I want folks

0:25:01.200 --> 0:25:05.480
<v Speaker 1>that are listening to this episode to have like breakthrough

0:25:06.160 --> 0:25:10.960
<v Speaker 1>with their mindset as it pertains to money and freedom.

0:25:11.640 --> 0:25:15.479
<v Speaker 1>That a budget gives you absolutely, freedom, that good credit

0:25:15.520 --> 0:25:18.439
<v Speaker 1>gives you, freedom, that a savings account gives you to

0:25:18.480 --> 0:25:21.320
<v Speaker 1>where you know if something should happen. I got a

0:25:21.359 --> 0:25:26.119
<v Speaker 1>couple months of income set aside, and listen, I have

0:25:26.200 --> 0:25:28.320
<v Speaker 1>compassion for those that are like Michelle. I can't do

0:25:28.400 --> 0:25:31.360
<v Speaker 1>a couple months of income right now because I do

0:25:31.400 --> 0:25:34.520
<v Speaker 1>have children, or I take care of my entire household.

0:25:34.520 --> 0:25:37.640
<v Speaker 1>You got twenty year olds that are the bread winners.

0:25:38.359 --> 0:25:40.960
<v Speaker 1>So my heart goes out to you. But I'm telling you,

0:25:41.119 --> 0:25:44.119
<v Speaker 1>at the end of the day, if life goes the

0:25:44.119 --> 0:25:46.840
<v Speaker 1>way it's supposed to go, you will be left standing

0:25:46.960 --> 0:25:50.119
<v Speaker 1>after your loved ones that are in that house go

0:25:50.200 --> 0:25:52.719
<v Speaker 1>on to heaven. So you got to have a place

0:25:52.840 --> 0:25:56.720
<v Speaker 1>where you can dip back into and love on yourself financially.

0:25:56.920 --> 0:25:59.840
<v Speaker 2>If I can say, Michelle, like you know that journey is.

0:26:00.800 --> 0:26:02.480
<v Speaker 2>What I don't want to do is to make it

0:26:02.520 --> 0:26:04.159
<v Speaker 2>seem like, well, I'm going to pick myself up by

0:26:04.160 --> 0:26:06.880
<v Speaker 2>the bootstraps and here we go. Like you know, it's

0:26:06.920 --> 0:26:10.160
<v Speaker 2>a very hard journey. There are a lot of conversations

0:26:10.160 --> 0:26:12.320
<v Speaker 2>that you have to have with yourself, and sometimes you're

0:26:12.359 --> 0:26:14.480
<v Speaker 2>going to be the only person who believes in yourself.

0:26:15.160 --> 0:26:17.720
<v Speaker 2>Sometimes you're going to cry yourself to sleep at night.

0:26:17.760 --> 0:26:21.359
<v Speaker 2>Because the thing is is that dealing with changing your

0:26:21.400 --> 0:26:26.000
<v Speaker 2>financial picture is dealing with changing you, and so that's

0:26:26.040 --> 0:26:29.320
<v Speaker 2>a whole personal development journey that you have to go through.

0:26:29.960 --> 0:26:34.280
<v Speaker 2>And there's conversations that current you need to change so

0:26:34.520 --> 0:26:39.440
<v Speaker 2>future you can appear right and So if you're saying like, Okay,

0:26:39.520 --> 0:26:43.680
<v Speaker 2>I'm struggling, I'm living paycheck to paycheck, change the conversation

0:26:43.800 --> 0:26:47.040
<v Speaker 2>and say why am I struggling? Why am I living

0:26:47.040 --> 0:26:51.240
<v Speaker 2>to paycheck? What decisions have I made or have not

0:26:51.400 --> 0:26:54.160
<v Speaker 2>made that are keeping me in this current financial situation?

0:26:54.920 --> 0:26:58.640
<v Speaker 2>And what is it costing me to stay here? Especially

0:26:58.640 --> 0:26:59.600
<v Speaker 2>if you have children.

0:27:00.080 --> 0:27:07.320
<v Speaker 1>That's so good. Checking in is gonna be about breakthrough. Yes,

0:27:07.440 --> 0:27:10.280
<v Speaker 1>we have fun conversations as it relates to mental health,

0:27:10.280 --> 0:27:13.000
<v Speaker 1>and we have having conversations about mental health, but I

0:27:13.040 --> 0:27:17.399
<v Speaker 1>love to talk about finances because mental health and finance

0:27:17.880 --> 0:27:21.119
<v Speaker 1>do play. There is a psychology as it relates to

0:27:21.280 --> 0:27:24.800
<v Speaker 1>how you view money. Now, let's talk about another part

0:27:24.800 --> 0:27:27.840
<v Speaker 1>of stress and money and how do you find that

0:27:27.960 --> 0:27:31.920
<v Speaker 1>women and men deal with stress about money differently.

0:27:33.200 --> 0:27:36.320
<v Speaker 2>I think there's dynamics to it. So when you're talking

0:27:36.320 --> 0:27:39.800
<v Speaker 2>about a household, like a married couple, right, there's a

0:27:39.840 --> 0:27:45.400
<v Speaker 2>certain support system that they give each other. If the

0:27:45.560 --> 0:27:49.359
<v Speaker 2>husband is the bread the breadwinner, then he feels the

0:27:49.359 --> 0:27:52.080
<v Speaker 2>brunt of the stress because the wife is there to

0:27:52.640 --> 0:27:55.159
<v Speaker 2>you know, kind of make things easier or help with

0:27:55.200 --> 0:27:58.840
<v Speaker 2>the conversation. I've seen the dynamic kind of go back

0:27:58.840 --> 0:28:02.600
<v Speaker 2>and forth. Seen where the husband will complain about how

0:28:02.640 --> 0:28:04.679
<v Speaker 2>much money the wife is spending because he doesn't understand

0:28:04.680 --> 0:28:07.680
<v Speaker 2>the dynamic of the household because he's always working, right,

0:28:08.240 --> 0:28:10.639
<v Speaker 2>And I've seen it vice versa as well, where the

0:28:10.640 --> 0:28:14.000
<v Speaker 2>woman is the head, she's the one that's bringing the money,

0:28:14.160 --> 0:28:17.200
<v Speaker 2>who's paying the bills, and you know, the focus is

0:28:17.440 --> 0:28:19.919
<v Speaker 2>a little different. I feel like men tend to focus

0:28:20.000 --> 0:28:22.760
<v Speaker 2>on career more where women tend to focus on future,

0:28:23.160 --> 0:28:26.040
<v Speaker 2>tend to focus on their kids and what their kids need. Yea,

0:28:26.320 --> 0:28:29.520
<v Speaker 2>it's transparent in the future. When you're talking about individually,

0:28:30.200 --> 0:28:32.159
<v Speaker 2>I can't say that I've noticed too much of a

0:28:32.200 --> 0:28:35.160
<v Speaker 2>difference when you're just talking about two single individual people

0:28:35.200 --> 0:28:39.280
<v Speaker 2>because they're focused on career development, advancement, you know, their

0:28:39.320 --> 0:28:41.320
<v Speaker 2>financial picture. I don't really see too much of a

0:28:41.320 --> 0:28:41.880
<v Speaker 2>difference there.

0:28:42.400 --> 0:28:46.800
<v Speaker 1>Okay, okay, you are amazing. You are amazing. Now you

0:28:46.920 --> 0:28:50.600
<v Speaker 1>talked about at one particular time being a banker that

0:28:50.840 --> 0:28:54.920
<v Speaker 1>has helped women all over the world stop living paycheck

0:28:54.960 --> 0:28:58.760
<v Speaker 1>to paycheck. We found through lending Tree. They published a

0:28:58.800 --> 0:29:02.960
<v Speaker 1>study that nearly eleven million homes ten point seven million

0:29:03.000 --> 0:29:09.800
<v Speaker 1>homes are owned by single women, while single men own

0:29:09.880 --> 0:29:14.440
<v Speaker 1>approximately eight point twelve million homes in the country. This

0:29:14.560 --> 0:29:19.720
<v Speaker 1>comes despite American women making less than men in median

0:29:20.000 --> 0:29:21.480
<v Speaker 1>earnings for twenty twenty one.

0:29:21.560 --> 0:29:24.480
<v Speaker 2>There's been studies that came out to say that women

0:29:24.560 --> 0:29:26.920
<v Speaker 2>do a better job with saving, we do a better

0:29:27.000 --> 0:29:29.600
<v Speaker 2>job with planning for the future in executing in that

0:29:29.720 --> 0:29:31.000
<v Speaker 2>there have been studies there.

0:29:30.920 --> 0:29:34.560
<v Speaker 1>Honey, we do a better job at planning for the future, honey.

0:29:34.600 --> 0:29:36.880
<v Speaker 1>And we ain't waiting on you to buy the house.

0:29:37.160 --> 0:29:45.240
<v Speaker 2>Said, but you give a woman, she will supply, okay, God.

0:29:43.280 --> 0:29:48.160
<v Speaker 1>She bears the children, okay, for that reason, to bring multiplication.

0:29:49.280 --> 0:29:52.080
<v Speaker 1>My mom would always tell she hates when I buy

0:29:52.080 --> 0:29:54.560
<v Speaker 1>a house, why don't you wait for the man to

0:29:54.600 --> 0:29:56.600
<v Speaker 1>do it? But that's that generation she was born in

0:29:56.640 --> 0:30:00.080
<v Speaker 1>the fifties where the man did buy the house. As

0:30:00.080 --> 0:30:03.840
<v Speaker 1>far as I'm concerned, I can buy this house. You

0:30:03.960 --> 0:30:06.080
<v Speaker 1>just buy the other one. You just buy our beach house.

0:30:06.280 --> 0:30:09.240
<v Speaker 1>You know what I'm saying. So you know I'm okay

0:30:09.280 --> 0:30:13.600
<v Speaker 1>with that. What it is we are in the winter

0:30:13.840 --> 0:30:19.600
<v Speaker 1>months leading up to tax season. Tax season is here

0:30:20.760 --> 0:30:24.920
<v Speaker 1>chat what what are some of the mistakes that people

0:30:24.960 --> 0:30:27.280
<v Speaker 1>make when filing on their own.

0:30:28.040 --> 0:30:32.760
<v Speaker 2>Filing on their own that's the mistake. There are people

0:30:32.800 --> 0:30:36.640
<v Speaker 2>who are tax professionals for a reason, you guys, Okay,

0:30:36.840 --> 0:30:39.680
<v Speaker 2>there are simple mistakes that you can make in your taxes,

0:30:39.720 --> 0:30:43.240
<v Speaker 2>such as just not putting information in correctly, not marking

0:30:43.240 --> 0:30:48.560
<v Speaker 2>your deductions correctly that can really hurt you. Just stop

0:30:48.600 --> 0:30:51.080
<v Speaker 2>being cheap, okay, Just pay for what will keep you

0:30:51.440 --> 0:30:54.160
<v Speaker 2>out of the irsi's call log.

0:30:55.920 --> 0:30:58.040
<v Speaker 1>I used to eat file. I used to do my

0:30:58.080 --> 0:31:01.000
<v Speaker 1>own my very first job and like the mid nineties,

0:31:01.040 --> 0:31:04.960
<v Speaker 1>I was working at a retail spot, and I used

0:31:04.960 --> 0:31:07.760
<v Speaker 1>to do my own taxes. When you're only making ten

0:31:07.840 --> 0:31:09.240
<v Speaker 1>g's a year, what's your claiming?

0:31:09.400 --> 0:31:13.520
<v Speaker 2>What's you're claiming? Yeah, well, so.

0:31:13.520 --> 0:31:16.479
<v Speaker 1>You're saying to get a tax expert to help you.

0:31:16.800 --> 0:31:19.520
<v Speaker 1>What's another one The common mistake that people make when

0:31:19.520 --> 0:31:21.760
<v Speaker 1>filing their own is maybe you doing your own and

0:31:22.200 --> 0:31:26.400
<v Speaker 1>you know what about maybe another just mistake period as

0:31:26.400 --> 0:31:27.600
<v Speaker 1>it relates to taxes.

0:31:27.840 --> 0:31:30.160
<v Speaker 2>Yeah, you're just not setting up your withholdings correctly.

0:31:30.480 --> 0:31:30.960
<v Speaker 1>Okay.

0:31:31.120 --> 0:31:33.760
<v Speaker 2>Marking down the way that you do your deductions is

0:31:33.840 --> 0:31:36.000
<v Speaker 2>key because there's so many people that mess out on

0:31:36.080 --> 0:31:39.720
<v Speaker 2>thousands of dollars every year because they're not properly marking

0:31:39.760 --> 0:31:44.360
<v Speaker 2>out their deductions, making sure that even something simple like

0:31:44.360 --> 0:31:46.960
<v Speaker 2>people will have their old address on their tax filings

0:31:47.000 --> 0:31:49.160
<v Speaker 2>and so now they when they mail you or issue

0:31:49.200 --> 0:31:51.520
<v Speaker 2>your check. If you're not doing direct deposit, it can

0:31:51.560 --> 0:31:54.440
<v Speaker 2>cause all sorts of delays or you possibly you know,

0:31:54.560 --> 0:31:58.080
<v Speaker 2>having to resubmit for your tax returns. So it's just

0:31:58.120 --> 0:32:00.600
<v Speaker 2>the small things that we tend not to pay attention to,

0:32:00.760 --> 0:32:02.600
<v Speaker 2>especially if we're in the process of moving and you

0:32:02.640 --> 0:32:05.080
<v Speaker 2>haven't done your cowarding address and all of those things

0:32:05.280 --> 0:32:08.400
<v Speaker 2>that can cause so many either delays or errors on

0:32:08.440 --> 0:32:12.800
<v Speaker 2>your reports. So if you are stressing about filing your

0:32:12.840 --> 0:32:16.440
<v Speaker 2>tax returns, sit down with the professional. Let them do

0:32:16.520 --> 0:32:19.560
<v Speaker 2>their job, let them properly educate you, make sure that

0:32:19.560 --> 0:32:21.800
<v Speaker 2>your information is correct, Come through your stuff, make sure

0:32:21.840 --> 0:32:24.239
<v Speaker 2>it's right, make sure you have everything foiled properly, that

0:32:24.280 --> 0:32:27.560
<v Speaker 2>your deductions are clear, and that they're correct. And I

0:32:27.560 --> 0:32:29.479
<v Speaker 2>think those are the main things that people mess up

0:32:29.480 --> 0:32:30.040
<v Speaker 2>on for sure.

0:32:31.120 --> 0:32:35.160
<v Speaker 1>That's so good. Now, ladies and gentlemen, you are probably thinking, man,

0:32:35.200 --> 0:32:38.200
<v Speaker 1>that's so good. I cannot afford a financial advisor. Some

0:32:38.320 --> 0:32:42.120
<v Speaker 1>advisors you don't have to necessarily pay a flat fee.

0:32:42.560 --> 0:32:45.800
<v Speaker 1>Some you just pay maybe a percentage to But when

0:32:45.840 --> 0:32:48.920
<v Speaker 1>you go on the Bougie banker. It's the bougie b

0:32:49.080 --> 0:32:54.920
<v Speaker 1>oh ujee banker underscore. She has amazing tips and guess what,

0:32:55.080 --> 0:33:00.520
<v Speaker 1>there are ten tax filing tips on. There is a

0:33:00.560 --> 0:33:05.440
<v Speaker 1>well of information. What's one step that people can do

0:33:05.560 --> 0:33:09.080
<v Speaker 1>to start getting out from under that credit card debt?

0:33:09.520 --> 0:33:13.000
<v Speaker 2>Yes, so you have a couple of options. I have

0:33:13.080 --> 0:33:14.680
<v Speaker 2>people come to me and they ask if they should

0:33:14.720 --> 0:33:17.240
<v Speaker 2>consolidate their debt. Right, so they'll be like, Ah, should

0:33:17.280 --> 0:33:19.600
<v Speaker 2>I just get a personal loan and consolidate the debt?

0:33:19.880 --> 0:33:24.880
<v Speaker 2>If you decide to go that route. My suggestion for that,

0:33:25.040 --> 0:33:27.960
<v Speaker 2>if you want to consolidate, is that you go look

0:33:28.000 --> 0:33:31.720
<v Speaker 2>at a credit union first, and then you also ask

0:33:31.840 --> 0:33:34.160
<v Speaker 2>for the maximum amount of months that you have to

0:33:34.280 --> 0:33:37.760
<v Speaker 2>pay off that balance transfer. Essentially, what you'll be doing

0:33:37.840 --> 0:33:40.240
<v Speaker 2>you'll get a personal loan with the credit bank and

0:33:40.280 --> 0:33:42.160
<v Speaker 2>they'll do a balance transfer of all of your credit

0:33:42.240 --> 0:33:45.040
<v Speaker 2>cards onto that one loan, which will now drop the

0:33:45.080 --> 0:33:47.200
<v Speaker 2>balances to all of your credit cards down to zero.

0:33:47.320 --> 0:33:50.360
<v Speaker 2>And now instead of being responsible for seven different credit

0:33:50.400 --> 0:33:53.480
<v Speaker 2>card payments that may equate to you know, seven or

0:33:53.480 --> 0:33:56.560
<v Speaker 2>eight hundred dollars, now you have one loan to pay

0:33:56.560 --> 0:33:59.240
<v Speaker 2>off where the loan payments may be three or four

0:33:59.320 --> 0:34:02.000
<v Speaker 2>hundred dollars, and now you can apply you know, six

0:34:02.080 --> 0:34:04.760
<v Speaker 2>hundred dollars towards that and get it paid off sooner,

0:34:05.160 --> 0:34:07.800
<v Speaker 2>and the interest typically is lower as well, opposed to

0:34:07.840 --> 0:34:09.680
<v Speaker 2>having you know, seven or eight credit cards. Now you

0:34:09.719 --> 0:34:11.840
<v Speaker 2>just have this one responsibility to take care of.

0:34:12.040 --> 0:34:12.400
<v Speaker 1>Okay.

0:34:13.080 --> 0:34:15.640
<v Speaker 2>The caution there though, is that now that you have

0:34:15.719 --> 0:34:19.000
<v Speaker 2>all this available credits, you got to be responsible enough

0:34:19.320 --> 0:34:21.480
<v Speaker 2>not to go back and use the credit cards and

0:34:21.520 --> 0:34:24.640
<v Speaker 2>then have all the credit card that and the right.

0:34:24.560 --> 0:34:27.640
<v Speaker 1>Honey, I am so guilty. And you pay that credit

0:34:27.640 --> 0:34:31.960
<v Speaker 1>card down to zero and it says available credit limit

0:34:32.640 --> 0:34:36.719
<v Speaker 1>fifteen thousand, and you're like, ooh, I.

0:34:36.640 --> 0:34:40.640
<v Speaker 2>Do need a new dresser. I do, I do need

0:34:40.680 --> 0:34:41.680
<v Speaker 2>some shoes.

0:34:41.400 --> 0:34:44.680
<v Speaker 1>On that, but do it gotta be fifteen thousand? Now?

0:34:45.000 --> 0:34:47.719
<v Speaker 1>The great thing about you, Raquel, is that you are

0:34:47.960 --> 0:34:53.279
<v Speaker 1>a self professed travel junkie. Yes, so we can talk

0:34:53.320 --> 0:34:56.359
<v Speaker 1>about buying things on a budget, maybe a dresser on

0:34:56.400 --> 0:35:01.759
<v Speaker 1>a budget. There are certain things that online where you

0:35:01.840 --> 0:35:05.799
<v Speaker 1>get a west elm or restoration hardware dresser for one

0:35:05.880 --> 0:35:08.799
<v Speaker 1>hundred dollars that somebody just wants to get rid of.

0:35:09.640 --> 0:35:13.359
<v Speaker 1>So you teach people on an average budget, how they

0:35:13.360 --> 0:35:16.680
<v Speaker 1>can save for a vacation. Now, if someone has debt

0:35:16.800 --> 0:35:20.080
<v Speaker 1>or doesn't have a savings should they go on vacation?

0:35:21.080 --> 0:35:23.160
<v Speaker 2>Yeah, I don't think you should. I don't think you

0:35:23.160 --> 0:35:26.960
<v Speaker 2>should stop doing the things that make you happy, because

0:35:27.000 --> 0:35:31.040
<v Speaker 2>there's a certain there's making a decision, and there's also

0:35:31.600 --> 0:35:35.879
<v Speaker 2>like disregarding your peace of mind. Right, And if you're

0:35:35.920 --> 0:35:39.680
<v Speaker 2>doing something that is taking away from your happiness or

0:35:39.680 --> 0:35:41.960
<v Speaker 2>from your peace of mind, chances are you're not going

0:35:42.040 --> 0:35:44.319
<v Speaker 2>to stay in that lean. So if I want a

0:35:44.360 --> 0:35:48.080
<v Speaker 2>budget and I take away their ability to travel, or

0:35:48.120 --> 0:35:50.520
<v Speaker 2>I take away their ability to go out to eat

0:35:50.520 --> 0:35:52.520
<v Speaker 2>every once in a while, they're not going to stick

0:35:52.520 --> 0:35:55.040
<v Speaker 2>to the budget because they're like, I can't live. What

0:35:55.200 --> 0:35:59.360
<v Speaker 2>I always say is a budget gives you control. So

0:35:59.440 --> 0:36:01.399
<v Speaker 2>if you don't have a savings account and you're still

0:36:01.440 --> 0:36:03.239
<v Speaker 2>in debt, what you can do is you can say,

0:36:03.239 --> 0:36:06.080
<v Speaker 2>you know what I do like to travel well, instead

0:36:06.120 --> 0:36:09.279
<v Speaker 2>of traveling every single quarter, let me just plan for

0:36:09.320 --> 0:36:11.840
<v Speaker 2>this one trip once a year until I get my

0:36:11.880 --> 0:36:15.640
<v Speaker 2>financial picture together. But then you'll go through and factor

0:36:15.719 --> 0:36:19.040
<v Speaker 2>in how much a typical trip will cost you. You'll

0:36:19.080 --> 0:36:22.840
<v Speaker 2>take that number divided by twelve, and so now every

0:36:22.920 --> 0:36:25.799
<v Speaker 2>month you may have fifty to fifty bucks that's going

0:36:25.840 --> 0:36:28.680
<v Speaker 2>towards it, or one hundred bucks that's going towards your

0:36:28.800 --> 0:36:32.320
<v Speaker 2>annual trip. So now you have something to look forward

0:36:32.320 --> 0:36:35.080
<v Speaker 2>to where you're essentially rewarding yourself or staying on a

0:36:35.120 --> 0:36:38.600
<v Speaker 2>financial plan. Now all this money that you're saving because

0:36:38.600 --> 0:36:40.520
<v Speaker 2>you're not going on four trips a year, you're planning

0:36:40.560 --> 0:36:42.920
<v Speaker 2>for this one trip. Now, now you can take some

0:36:43.040 --> 0:36:45.439
<v Speaker 2>of that money, have it budgeted to pay down debt,

0:36:45.920 --> 0:36:48.120
<v Speaker 2>and take another portion and have it budgeted so that

0:36:48.160 --> 0:36:51.399
<v Speaker 2>you have your emergency savings out up. I don't want

0:36:51.480 --> 0:36:56.040
<v Speaker 2>people to feel suffocated with their finances. It's all about

0:36:56.320 --> 0:36:58.839
<v Speaker 2>living bougie and bounce. It's all about doing the things

0:36:58.880 --> 0:37:01.319
<v Speaker 2>that you enjoy, but also so having control to where

0:37:01.320 --> 0:37:02.720
<v Speaker 2>its financially makes sense.

0:37:03.200 --> 0:37:08.479
<v Speaker 1>That's so good. You have been absolutely brilliant today, y'all.

0:37:08.480 --> 0:37:11.640
<v Speaker 1>She's got lots of classes that teach about financial health.

0:37:11.880 --> 0:37:15.839
<v Speaker 1>But you also offer a freebee vault of material and

0:37:15.920 --> 0:37:22.800
<v Speaker 1>resources on your website. The website is bboogie dot com.

0:37:23.080 --> 0:37:26.120
<v Speaker 1>But let me not speak for you. Tell us maybe

0:37:26.160 --> 0:37:28.000
<v Speaker 1>one of the freebies that's on your website.

0:37:28.239 --> 0:37:32.759
<v Speaker 2>Yeah, there's spending trackers, saving calcers in there. There's free

0:37:32.800 --> 0:37:36.600
<v Speaker 2>PDFs that I've just found over time through doing different resources,

0:37:36.600 --> 0:37:40.080
<v Speaker 2>whether it's on money management, investing, what that looks like

0:37:40.160 --> 0:37:43.000
<v Speaker 2>for you. I definitely encourage you guys to go grab

0:37:43.040 --> 0:37:47.920
<v Speaker 2>your freebees because oftentimes it's just like exposing yourself to

0:37:48.040 --> 0:37:51.560
<v Speaker 2>something new, you know, and that can really be helpful

0:37:51.640 --> 0:37:53.759
<v Speaker 2>for you. And if I could say this, Michelle, you

0:37:53.840 --> 0:37:56.600
<v Speaker 2>kept mentioning something called the Breakthrough, I'm actually I'm actually

0:37:56.640 --> 0:37:59.560
<v Speaker 2>having a financial literacy and business development conference at the

0:37:59.640 --> 0:38:02.000
<v Speaker 2>end of the month, and it's called the Breakthrough Experience.

0:38:02.600 --> 0:38:05.440
<v Speaker 2>So it's all about breaking through the limiting bearers that

0:38:05.480 --> 0:38:08.880
<v Speaker 2>you place on yourself, breaking into your financial success. So

0:38:08.920 --> 0:38:12.719
<v Speaker 2>it's a financial literacy and business development conference. We have

0:38:12.880 --> 0:38:16.760
<v Speaker 2>phenomenal speakers lined up. I'll be there, Eli Talks Money

0:38:16.800 --> 0:38:20.400
<v Speaker 2>will be there and countless other speakers and people in

0:38:20.440 --> 0:38:22.680
<v Speaker 2>the finance and business space that you may already know.

0:38:22.800 --> 0:38:26.480
<v Speaker 2>So please come, y'all. I cultivated this space so that

0:38:26.560 --> 0:38:29.600
<v Speaker 2>we cannot only talk about money management. We could also

0:38:29.640 --> 0:38:32.960
<v Speaker 2>talk about how to build our wealth and most importantly,

0:38:33.080 --> 0:38:36.319
<v Speaker 2>protecting it. I feel like so often we have these

0:38:36.360 --> 0:38:39.000
<v Speaker 2>events where we're always talking about it's the money, get

0:38:39.040 --> 0:38:42.840
<v Speaker 2>to the bag. Do this. We have to protect generational

0:38:42.880 --> 0:38:45.600
<v Speaker 2>wealth and we have to learn how to create it first,

0:38:46.080 --> 0:38:48.480
<v Speaker 2>you know. And so I really want to bring everyone

0:38:48.520 --> 0:38:51.359
<v Speaker 2>to a space to have that conversation. I would love

0:38:51.400 --> 0:38:55.040
<v Speaker 2>for you guys to come. The website is breakthrough exp

0:38:55.320 --> 0:38:56.120
<v Speaker 2>dot com.

0:38:56.320 --> 0:39:00.680
<v Speaker 1>All right, we in there like swimwear. Listen. I think

0:39:00.960 --> 0:39:03.680
<v Speaker 1>one of the reasons why I'm so engaged is because

0:39:03.719 --> 0:39:08.560
<v Speaker 1>you've been through not having You've been through the Okay,

0:39:08.600 --> 0:39:11.120
<v Speaker 1>I gotta get myself up. Okay, I can do this,

0:39:11.480 --> 0:39:15.839
<v Speaker 1>and we are here today. Your book is translated into

0:39:15.920 --> 0:39:19.680
<v Speaker 1>various countries and you are just helping and you're freeing

0:39:19.719 --> 0:39:24.400
<v Speaker 1>people to get out of debt and to be great investors. Please,

0:39:24.440 --> 0:39:30.160
<v Speaker 1>wherever you are, clap your hands, give love, give her

0:39:30.200 --> 0:39:34.879
<v Speaker 1>a follow again. She's on Instagram at the Bougie Banker Underscore.

0:39:35.400 --> 0:39:38.040
<v Speaker 1>Show her some love for kel Curtis. Thank you for

0:39:38.160 --> 0:39:38.600
<v Speaker 1>checking in.

0:39:39.080 --> 0:39:42.320
<v Speaker 2>Thank you so much, Michelle. This was amazing. You're awesome.

0:39:42.480 --> 0:39:52.480
<v Speaker 1>You are welcome. You are welcome. Listen. This was so informative.

0:39:53.440 --> 0:39:58.560
<v Speaker 1>Raquel aka the Bougie Banker just came with so much knowledge.

0:39:58.640 --> 0:40:02.800
<v Speaker 1>She was just a web wanting to poor, poor, poor,

0:40:02.880 --> 0:40:06.560
<v Speaker 1>everything that she has in her and I'm truly, truly

0:40:06.640 --> 0:40:11.400
<v Speaker 1>thankful for her. Again. She's got many classes and books,

0:40:11.400 --> 0:40:15.720
<v Speaker 1>stuff that is at no cost to you. At bbougie

0:40:15.760 --> 0:40:18.920
<v Speaker 1>dot com, it's the word b b E b o

0:40:19.200 --> 0:40:23.360
<v Speaker 1>u j e e dot com forward slash the Bougie Banker.

0:40:23.880 --> 0:40:27.239
<v Speaker 1>Follow her on Instagram again. Her Instagram handle is the

0:40:27.320 --> 0:40:32.319
<v Speaker 1>Bougie Banker Underscore, the b o u j e E

0:40:32.520 --> 0:40:36.480
<v Speaker 1>b A n k E R Underscore. She's gonna help

0:40:36.520 --> 0:40:41.239
<v Speaker 1>you budget, save, invest and help you continue to, you know,

0:40:41.400 --> 0:40:45.200
<v Speaker 1>change your mindset as it relates to money, if that's

0:40:45.360 --> 0:40:50.160
<v Speaker 1>what you desire. Okay, I'm so excited for folks that

0:40:50.360 --> 0:40:53.960
<v Speaker 1>are on their way to a different type of freedom,

0:40:54.000 --> 0:40:57.920
<v Speaker 1>and that freedom is financial freedom. Guess what you deserve it?

0:40:58.120 --> 0:41:01.600
<v Speaker 1>Your family deserves it, your legacy deserves it.

0:41:02.280 --> 0:41:02.720
<v Speaker 2>Listen.

0:41:03.080 --> 0:41:05.600
<v Speaker 1>Please know that you're loved, and guess what you loved

0:41:05.600 --> 0:41:09.239
<v Speaker 1>by me. There's absolutely nothing you can do about it.

0:41:41.080 --> 0:41:44.200
<v Speaker 1>Checking In with Michelle Williams is a production of iHeartRadio

0:41:44.440 --> 0:41:48.440
<v Speaker 1>and The Black Effect. For more podcasts from iHeartRadio, visit

0:41:48.480 --> 0:41:52.400
<v Speaker 1>the iHeartRadio app, Apple podcast, or wherever you listen to

0:41:52.480 --> 0:41:53.440
<v Speaker 1>your favorite shows.