WEBVTT - EP 294: Building a Million Dollar Business w/Tonya Rapley 0:00:16.040 --> 0:00:18.800 Hey, hey va fam, it's Mandra here. Thank you so 0:00:18.960 --> 0:00:21.319 much for continuing to rock with us. I know that 0:00:21.360 --> 0:00:24.480 it's been a different kind of show these past few 0:00:24.520 --> 0:00:27.480 weeks as we're giving our beloved Tiffany the time that 0:00:27.520 --> 0:00:30.960 she needs to heal. Thank you again for your continued support. 0:00:31.480 --> 0:00:34.320 I have to say though, this episode has been I 0:00:34.320 --> 0:00:37.919 guess seven years in the making. Tanya Rappily is the 0:00:37.960 --> 0:00:41.280 millennial money expert and creator of the award winning site 0:00:41.400 --> 0:00:43.879 my fab Finance. And for those of you who may 0:00:43.920 --> 0:00:46.680 not know, you're gonna find out on today's show some 0:00:46.880 --> 0:00:51.840 og financial influencer history when it comes to Tanya, Tiffany, 0:00:52.280 --> 0:00:55.400 and a group called the Frugal Fab Five. I didn't 0:00:55.400 --> 0:00:58.080 even know of this story, but Tanya joins the show 0:00:58.120 --> 0:01:00.840 today not just to catch up on what she's been 0:01:00.920 --> 0:01:04.440 up to the past seven years since launching her business 0:01:04.920 --> 0:01:08.639 back in twenty fourteen, but also how she was able 0:01:08.680 --> 0:01:13.520 to finally hit her first million dollar year of business. Yes, 0:01:14.440 --> 0:01:17.759 I was so inspired by my conversation with Tanya, especially 0:01:17.920 --> 0:01:20.640 when we started talking about a subject that I really 0:01:20.680 --> 0:01:24.920 hadn't anticipated real estate. You know, as an entrepreneur, I 0:01:25.000 --> 0:01:27.160 sort of assumed that as soon as I launched my 0:01:27.200 --> 0:01:30.640 own business, getting a traditional mortgage was just something that 0:01:30.800 --> 0:01:33.880 was either going to be a huge, massive headache or 0:01:33.920 --> 0:01:36.760 even just be not possible for me. But Tanya is 0:01:36.800 --> 0:01:39.240 proving that even though she runs her own business and 0:01:39.280 --> 0:01:42.440 by the way, her husband is also self employed, they 0:01:42.480 --> 0:01:46.000 are launching the very beginnings of what will soon become, 0:01:46.120 --> 0:01:48.800 I'm sure, based on Tanya and how she's always killing 0:01:48.800 --> 0:01:52.400 the game, a mini real estate empire. They just purchased 0:01:52.440 --> 0:01:56.480 their first investment property in Atlanta, and Tanya's gonna tell 0:01:56.560 --> 0:01:59.560 us all about it, like how they got alone using 0:01:59.560 --> 0:02:03.280 something called hard money, Like what is that? Tanya really 0:02:03.360 --> 0:02:05.200 lays it all out for us today, and I hope 0:02:05.200 --> 0:02:08.040 that you guys feel inspired and also learn a little 0:02:08.040 --> 0:02:11.840 bit about the alternative ways to invest in real estate 0:02:12.240 --> 0:02:14.519 and even the fact that it may feel like it's 0:02:14.520 --> 0:02:17.400 out of reach, but there really are some good tools 0:02:17.440 --> 0:02:20.200 and products out there that can help you launch your 0:02:20.240 --> 0:02:24.200 own venture into real estate. So, without further ado, here 0:02:24.280 --> 0:02:28.000 is my conversation with Tanya Raply of my fab Finance. 0:02:30.240 --> 0:02:33.960 I am so I'm shocked and excited today. I'm shocked 0:02:34.000 --> 0:02:36.520 that it has been this long and we've never had 0:02:36.560 --> 0:02:39.480 Tanya rap ly on the show. But today I am 0:02:39.520 --> 0:02:42.400 so excited because we are finally making it happen. Hello, 0:02:42.480 --> 0:02:43.240 Miss Tanya. 0:02:43.760 --> 0:02:48.200 Hey, yeah, I think the last time you reached out, 0:02:48.280 --> 0:02:51.560 I was like in the throes of like morning sickness. 0:02:51.600 --> 0:02:53.280 It was like, this ain't gonna work. 0:02:53.639 --> 0:02:56.720 Yeah. Yeah, I'm glad you chose yourself in that inside. 0:02:56.800 --> 0:02:57.560 Yeah. 0:02:57.760 --> 0:02:59.400 But for those of you who do not know Miss 0:02:59.400 --> 0:03:07.360 Tanya of my fab Finance, personal finance educator, badass entrepreneur. Yeah, 0:03:07.360 --> 0:03:10.440 she's a mom, but that's not it. A NEWB real 0:03:10.560 --> 0:03:13.960 estate entrepreneur as well, because we're never going to stop 0:03:14.000 --> 0:03:17.639 adding things to the after our names apparently just keep going. 0:03:18.240 --> 0:03:20.320 But I am so excited to talk to you because 0:03:20.560 --> 0:03:23.200 I mean, y'all, we have Tiffany and I both, but 0:03:23.320 --> 0:03:25.720 I have known Tanya since two thousand and we all 0:03:25.720 --> 0:03:27.280 met at fin Con, I feel like for the first 0:03:27.320 --> 0:03:31.960 time in person twenty fourteen, thirteen fourteen, and it was 0:03:32.200 --> 0:03:35.880 when my fab finance was just kind of getting kicked off. 0:03:35.880 --> 0:03:36.840 When did you start all of that? 0:03:37.440 --> 0:03:37.800 Yeah? 0:03:37.920 --> 0:03:40.360 So you know, I think I know Tiffany a little 0:03:40.440 --> 0:03:43.760 longer than I've known you, because I met Tiffany early 0:03:43.800 --> 0:03:44.520 on in my journey. 0:03:44.520 --> 0:03:45.720 She was one of my early. 0:03:45.520 --> 0:03:50.000 Mentors, but my fab Fini had started in January of 0:03:50.080 --> 0:03:53.880 twenty thirteen. My goal was to get a seven thirty 0:03:53.880 --> 0:03:56.720 credit score by the time, a seven hundred credit score 0:03:56.760 --> 0:03:59.600 by the time I turned thirty years old, and I 0:03:59.640 --> 0:04:02.920 wanted to close for Macy's. Those were my ambitions when 0:04:02.960 --> 0:04:06.040 I started it in twenty and thirteen, and here we 0:04:06.080 --> 0:04:11.760 are in twenty twenty two with a multimillion dollar business 0:04:12.080 --> 0:04:15.400 and other things that have been offshoots of that. So 0:04:15.480 --> 0:04:17.840 it's been a journey, but we met. Yeah, fen Con, 0:04:17.880 --> 0:04:20.159 I think Black Enterprise is about to happen. 0:04:20.920 --> 0:04:22.480 Yeah, yeah. 0:04:22.480 --> 0:04:26.039 When I saw that cover, you got the cover Black Enterprise, right, yeah, 0:04:26.120 --> 0:04:28.880 I mean that was no joke and just slaying ever since. 0:04:28.920 --> 0:04:30.240 But listen, I mean one of the things that we 0:04:30.240 --> 0:04:33.040 talk about on Brown Ambition is it really is about 0:04:33.040 --> 0:04:35.599 the journey. Everyone who was tuning into the show today 0:04:35.760 --> 0:04:38.200 is just kind of hearing. I don't know, it's definitely 0:04:38.200 --> 0:04:39.760 I don't want to call it the epilogue, but we 0:04:39.800 --> 0:04:41.760 are like two third I mean, you're always a work 0:04:41.760 --> 0:04:44.720 in progress, right, but we're pretty far in the Tanya journey, right, 0:04:44.760 --> 0:04:47.479 I mean, and this is the this is the You're 0:04:47.480 --> 0:04:49.840 seeing all the fruits of all those seeds that you 0:04:49.920 --> 0:04:52.919 have been planting for the past eight seven eight, you 0:04:52.920 --> 0:04:55.320 know years now. So let's back up a little bit. 0:04:55.680 --> 0:04:58.640 How do you get to be a multimillion dollar And 0:04:58.640 --> 0:05:02.039 by the way, congratulations, because I know you're multimillions over times, 0:05:02.040 --> 0:05:05.719 but this was your first million dollar year in twenty 0:05:05.760 --> 0:05:10.400 twenty one, in a single year. That is extraordinary from 0:05:10.440 --> 0:05:13.760 something that you built, that you created, you know what 0:05:13.839 --> 0:05:14.120 I mean. 0:05:14.160 --> 0:05:15.400 It still feels. 0:05:16.560 --> 0:05:19.200 I mean I felt it right like I was doing 0:05:19.240 --> 0:05:22.960 that work, like I felt it. But it still feels surreal. 0:05:23.360 --> 0:05:27.440 And I think that when black enterprise happens. A black 0:05:27.520 --> 0:05:30.120 enterprise happened in twenty and fourteen. I left my job 0:05:30.160 --> 0:05:32.960 in twenty and fifteen to do this full time, and 0:05:33.040 --> 0:05:35.800 there's been so many I'm really thankful. There's been so 0:05:35.839 --> 0:05:38.960 many remarkable things that have happened along the way. And 0:05:39.000 --> 0:05:40.840 I remember everybody's like, this is your time, this is 0:05:40.880 --> 0:05:42.599 your time, this is your time, this is your time. 0:05:42.600 --> 0:05:46.720 And I just feel like our time is as long 0:05:46.760 --> 0:05:48.240 as we want to hold it, as long as you're 0:05:48.240 --> 0:05:50.000 willing to work for it, as long as it's you know, 0:05:50.000 --> 0:05:53.800 it's supposed to be. So I still feel like I 0:05:54.920 --> 0:05:57.120 don't know, Mandy, like I feel like I haven't even 0:05:57.200 --> 0:05:59.720 hit my prime yet. I feel like I feel the 0:05:59.760 --> 0:06:05.080 same ye say, this is just the beginning. I'm really thankful, 0:06:05.080 --> 0:06:06.640 but I feel like I haven't even hit my prime. 0:06:08.120 --> 0:06:10.440 It's scary to think that too. I mean, well, scary 0:06:10.480 --> 0:06:12.680 in one way. It's like the scary excitement. I told 0:06:12.720 --> 0:06:15.279 my husband at the beginning of this year. You know, 0:06:15.320 --> 0:06:17.559 I had some and I'm a newbie. I'm a baby. 0:06:17.600 --> 0:06:19.960 I'm kind of like where U, Tiff, and everyone else 0:06:20.000 --> 0:06:23.160 were seven eight years ago. I'm a baby entrepreneur now. 0:06:23.520 --> 0:06:25.920 But I told my husband, I was like, I have 0:06:26.000 --> 0:06:28.120 no idea what twenty twenty two is going to look like, 0:06:28.200 --> 0:06:31.600 but I'm already excited for the like the opportunities that 0:06:31.640 --> 0:06:33.280 I know are going to I just feel it, you 0:06:33.320 --> 0:06:34.800 know what I mean. I just feel like this is 0:06:34.839 --> 0:06:39.000 not it. I've got so much room to grow, and 0:06:39.360 --> 0:06:41.799 I don't know how. I feel like what you're expressing 0:06:41.880 --> 0:06:44.760 right now is similar to that. It's like the excitement 0:06:44.839 --> 0:06:49.520 of possibility and knowing every day it's like preparing for 0:06:49.560 --> 0:06:52.839 that next that next exciting email to hit your inbox. 0:06:52.880 --> 0:06:54.839 You know those you yes and. 0:06:54.960 --> 0:06:56.880 You know, my one of my managers used to say, 0:06:57.520 --> 0:07:00.440 I've seen people's life change with the email, and it's 0:07:00.480 --> 0:07:02.599 so true, like your life can literally change for the 0:07:02.640 --> 0:07:05.400 better with one email. But then also like, we got 0:07:05.440 --> 0:07:07.680 to put some respect on your name, Mandy, Like, yes, 0:07:07.760 --> 0:07:11.440 you're a baby entrepreneur, but you've still been doing this 0:07:11.920 --> 0:07:14.600 and you have such a strong network. And I think 0:07:14.640 --> 0:07:16.840 that when you have that strong network of people, you 0:07:16.840 --> 0:07:19.400 can call on people, you can ask questions who have 0:07:19.520 --> 0:07:21.080 been there, who have made. 0:07:20.840 --> 0:07:23.680 The mistakes that I don't consider your baby. 0:07:23.680 --> 0:07:26.080 You might be a toddler, like you're not in the 0:07:26.160 --> 0:07:29.040 infant stage, maybe a todder because you learned from so 0:07:29.120 --> 0:07:31.160 many of our mistakes and you did it your way. 0:07:31.520 --> 0:07:34.360 So we gotta put some respect on Mandy's name. You know. 0:07:34.440 --> 0:07:36.760 That reminds me that I just did see you in 0:07:36.800 --> 0:07:39.040 Atlanta not that long ago, and I feel like we 0:07:39.080 --> 0:07:41.320 had a very similar moment where I was like trying 0:07:41.320 --> 0:07:44.239 to downplay where I'm at and you're like, wait, wait, wait, wait, wait, 0:07:44.880 --> 0:07:47.240 let me remind you who's who my friend Mandy is. 0:07:47.840 --> 0:07:50.120 We ain't gonna let you do it. We're not, we not. 0:07:50.680 --> 0:07:54.400 So I love seeing you in Atlanta and You've just 0:07:54.440 --> 0:07:56.440 recently moved to Atlanta, right with your. 0:07:56.320 --> 0:07:57.280 Fad in twenty twenty. 0:07:57.360 --> 0:07:59.280 So, yeah, we moved to Atlanta in the middle of 0:07:59.280 --> 0:08:02.559 the pandemic our house without seeing it, which was actually 0:08:02.600 --> 0:08:04.560 a really good choice. It's been a really, really good 0:08:04.560 --> 0:08:08.160 home for us. And so we're in We were in 0:08:08.200 --> 0:08:11.360 California prior to moving to Atlanta, but I'm from the South. 0:08:12.480 --> 0:08:16.640 Housing prices were just ridiculous in California, and for me, 0:08:17.000 --> 0:08:20.160 the beauty of being location independent, the beauty of becoming 0:08:20.160 --> 0:08:23.280 financially secure so you can choose what's in your best interest. 0:08:23.400 --> 0:08:26.120 Is that I wanted to raise my son around my family, 0:08:26.320 --> 0:08:28.880 Like I didn't have the liberty of that because my 0:08:28.920 --> 0:08:30.920 mother and father were in the military, and so for me, 0:08:31.000 --> 0:08:32.760 it was really important for my parents to be in 0:08:32.840 --> 0:08:35.360 driving distance. As a matter of fact, I'm taking my 0:08:35.360 --> 0:08:38.560 son to my parents' house on Wednesday and for him. 0:08:38.400 --> 0:08:40.280 To give experience. 0:08:40.800 --> 0:08:41.320 Yeah, I know. 0:08:41.360 --> 0:08:43.440 And they girl, they bought a house in Florida, you know, 0:08:43.559 --> 0:08:45.880 and so I like, yeah, I'm going to Florida on 0:08:45.960 --> 0:08:48.760 Wednesday to pop in on my parents, check on them, 0:08:48.800 --> 0:08:50.520 and take my son so you can spend some time 0:08:50.559 --> 0:08:53.680 with them. But it's a beautiful blessing to be closer 0:08:53.720 --> 0:08:56.440 to them as well as Atlanta has so many opportunities. 0:08:57.600 --> 0:09:00.640 This is this is where the enterprise is to be built. 0:09:00.960 --> 0:09:04.400 So yeah, I can't believe you about your house sight unseen. 0:09:04.880 --> 0:09:07.000 All right, So a million dollar a year, let's get 0:09:07.040 --> 0:09:08.880 into it. What does that look like for you? Was 0:09:08.920 --> 0:09:11.800 that something that you know at this point in your business? 0:09:12.040 --> 0:09:15.400 You are and I'm understanding too, a lot of the 0:09:15.679 --> 0:09:17.840 you know, the checks that you're cashing, you know in 0:09:17.920 --> 0:09:19.960 advance that they're coming, like you sign a deal. And 0:09:20.000 --> 0:09:22.319 of course it takes a while for those those cash 0:09:22.400 --> 0:09:24.200 those checks to hit your bank account. As we know, 0:09:24.320 --> 0:09:26.200 direct deposit likes to take its time. 0:09:27.400 --> 0:09:28.920 But draws or immediate. 0:09:29.400 --> 0:09:32.000 Oh yes. I was telling Chris last week on Popcorn 0:09:32.040 --> 0:09:33.400 Finance when he was here. I was like, let me 0:09:33.400 --> 0:09:35.960 tell you how quickly the IRS came for my deposit 0:09:36.240 --> 0:09:38.920 from my withdrawal when I made my tax payment, and 0:09:39.000 --> 0:09:41.320 yet my refund check will probably take two months. 0:09:41.360 --> 0:09:44.920 But man, listen, I was just saying, I amend my taxes, 0:09:44.960 --> 0:09:46.920 and they like, I am ended my taxes I think 0:09:47.040 --> 0:09:49.320 in June, and I still have they still have not 0:09:49.400 --> 0:09:51.719 processed the amendment. But that, Oh, but you want to 0:09:51.760 --> 0:09:54.080 tell me about everything else, but you haven't processed like 0:09:54.120 --> 0:09:56.360 my amendment and like the taxes are paid off and everything. 0:09:56.400 --> 0:09:58.000 Okay, all right, they. 0:09:58.320 --> 0:10:02.880 Will snatch your money quit immediately, very quick. But let's 0:10:02.880 --> 0:10:04.400 talk about that. Did you have an idea it was 0:10:04.400 --> 0:10:06.680 gonna be a million dollar year or was this a 0:10:06.679 --> 0:10:07.440 goal of yours? 0:10:07.480 --> 0:10:07.600 Like? 0:10:07.679 --> 0:10:09.840 When did you realize this is gonna be it? Like 0:10:09.840 --> 0:10:11.240 we're gonna I set the attention. 0:10:12.000 --> 0:10:14.800 I set the intention in February of last year at 0:10:14.800 --> 0:10:18.240 my friend Maya Elias's impactweeking conference, and she had this 0:10:18.280 --> 0:10:19.800 thing where it was like road to a million and 0:10:19.800 --> 0:10:21.520 I was like, telling you, why you keep telling yourself 0:10:21.520 --> 0:10:22.120 that you can't. 0:10:21.920 --> 0:10:25.000 Make a million in a year. Why have you counted 0:10:25.040 --> 0:10:27.240 this out of your story? You can do this. 0:10:27.760 --> 0:10:30.600 And so that weekend I committed to like, Okay, this 0:10:30.640 --> 0:10:33.760 is gonna be my first million dollar year. And I 0:10:33.800 --> 0:10:35.440 think it really hit me that it was gonna be 0:10:35.440 --> 0:10:40.800 my first million dollar year. Around June, when I signed 0:10:40.800 --> 0:10:44.240 my biggest brand partnership to date, it was almost half 0:10:44.240 --> 0:10:45.840 a million dollars, and. 0:10:45.720 --> 0:10:48.360 I was like, Oh, it's gonna be a year. 0:10:49.400 --> 0:10:52.360 And then August I was sitting there and I was like, 0:10:52.400 --> 0:10:54.880 I think at like seven hundred and something thousand dollars, 0:10:54.920 --> 0:10:55.319 and I was. 0:10:55.280 --> 0:10:57.959 Like, Oh, this is gonna be a million dollar year. 0:10:57.960 --> 0:11:01.320 Like if I made seven hundred thousand dollars in eight months, 0:11:01.920 --> 0:11:04.920 I can make three hundred thousand dollars three hundred thousand. 0:11:04.559 --> 0:11:08.680 More by the end of this year. So we passed that. 0:11:08.760 --> 0:11:12.160 We hit one point two. Which is it? 0:11:14.040 --> 0:11:17.880 You know, I think it's a culmination of everything. It's 0:11:17.920 --> 0:11:19.880 a culmination of me having the right team in place. 0:11:20.160 --> 0:11:22.400 It was a culmination of me having the right relationships 0:11:22.440 --> 0:11:24.840 in place. It is a cummination of me having the 0:11:24.880 --> 0:11:29.520 work ethic in place, and all those things combined, I 0:11:29.559 --> 0:11:32.240 think led to and the willingness and the belief that 0:11:32.320 --> 0:11:34.560 it was possible. I think it was all those things 0:11:34.960 --> 0:11:37.480 that led to making it possible and that will lead 0:11:37.520 --> 0:11:40.600 to future million dollar years. So I'm really slow to 0:11:41.160 --> 0:11:42.840 ease into my years. I kind of feel like I 0:11:42.880 --> 0:11:46.200 have like a New Year hangover, and like, just like 0:11:46.280 --> 0:11:49.520 last year, I didn't set my goals until February this year, like, Okay, 0:11:49.720 --> 0:11:51.280 I'm like, all right, this year, we want to do 0:11:51.760 --> 0:11:55.160 one point five to two million. So the work starts now. 0:11:55.240 --> 0:11:58.120 Tomorrow's February first. For me, the work starts now, so 0:11:58.280 --> 0:12:01.400 I give myself. I really like to take December off ideally, 0:12:01.840 --> 0:12:05.560 so give myself February to November to make it happen. 0:12:06.280 --> 0:12:08.720 Oh I love that. And I also think like whenever, 0:12:09.040 --> 0:12:12.640 even if you decided, you know, June or September or October, 0:12:12.679 --> 0:12:14.839 whenever you decide, like that's the day that matters these 0:12:14.880 --> 0:12:17.520 whole Like make a resolution just because it's January first, Like, 0:12:17.559 --> 0:12:19.640 come on, now, we know dreams. 0:12:19.320 --> 0:12:20.480 Can happen, end of time. 0:12:20.800 --> 0:12:23.120 And I don't take I don't take resolutions for granted. 0:12:23.240 --> 0:12:26.040 I don't take like goal setting for granted. Evening the 0:12:26.040 --> 0:12:29.240 other day, I was thinking about how I want to 0:12:30.200 --> 0:12:32.559 create space for me to go away and think about 0:12:32.559 --> 0:12:34.600 my goals and I really write them down and commit 0:12:34.640 --> 0:12:36.840 them to paper. I don't want to just be oh, okay, 0:12:36.840 --> 0:12:38.839 I'm gonna sit here and think about it in my office. 0:12:38.880 --> 0:12:40.760 I really want to connect to myself and make sure 0:12:40.800 --> 0:12:43.400 that my goals are sol aligned. That's always what my 0:12:43.440 --> 0:12:47.560 work has been about, is like soul aligned, wealth creation. 0:12:47.600 --> 0:12:50.560 Soul s o U L aligned, Yes, s o U. 0:12:50.640 --> 0:12:52.320 L like soul like I want to. 0:12:52.360 --> 0:12:55.000 I wanted to be aligned with my divine assignment and 0:12:55.000 --> 0:12:57.600 what I'm here to do. So I'm going to take 0:12:57.640 --> 0:13:01.160 some time and we'll iron those things that out in 0:13:01.200 --> 0:13:01.960 the coming weeks. 0:13:02.440 --> 0:13:06.040 But right now, you know, we're just flowing. We're just 0:13:06.080 --> 0:13:07.199 we're flowing into the year. 0:13:07.640 --> 0:13:10.400 Tell me more about that that weekend or what was 0:13:10.440 --> 0:13:14.480 that you said, the Road to a Million Maya Elliott, Yes, Impact. 0:13:14.080 --> 0:13:17.280 American program, Maya who actually is a good friend of 0:13:17.280 --> 0:13:19.680 all of us. So those who I don't know people 0:13:19.840 --> 0:13:23.760 probably are OG's. But early on in my financial journey, 0:13:23.800 --> 0:13:26.040 and I think Tiffany was about five six years into 0:13:26.040 --> 0:13:28.600 her journey, we had this collective called the Frugal Fab Five. 0:13:29.120 --> 0:13:34.240 It was Tiffany, myself, Marcia Barnes, the finance bar Kara 0:13:34.320 --> 0:13:36.520 Stevens of Frugal Feminista, and at the time I had 0:13:36.520 --> 0:13:39.559 a business partner, Tiffany Victoria for my fab Finance, and 0:13:39.600 --> 0:13:42.040 we were a Frugal Fab five and we actually like 0:13:42.120 --> 0:13:43.480 traveled around and did events. 0:13:43.520 --> 0:13:45.560 We did something at the cis of legend. 0:13:46.240 --> 0:13:49.880 I forgot about this legendary. 0:13:49.400 --> 0:13:53.880 Old finance history, finance OG history, and so we we 0:13:53.920 --> 0:13:58.240 did these events together and Maya actually designed our flyers 0:13:58.679 --> 0:14:02.160 for our our programs. That we were doing together as 0:14:02.200 --> 0:14:04.960 well as she was our photographer at our event in Charlotte, 0:14:05.000 --> 0:14:08.000 North Carolina. And so Maya's been a friend of ours 0:14:08.000 --> 0:14:12.520 for so long, and she's pivoted into helping women create 0:14:12.760 --> 0:14:15.960 brand and live with impact and purpose. And so that's 0:14:16.040 --> 0:14:20.520 ballooned into or blossomed into Impact Weekend in her program 0:14:20.720 --> 0:14:23.800 build Your Impact, which as she's grown to be a 0:14:23.880 --> 0:14:28.720 multimillion dollar program. And I was in support of her program. 0:14:28.720 --> 0:14:31.640 You know, that's another thing in these relationships. I was 0:14:31.640 --> 0:14:33.680 in support of her. I was there, I went to 0:14:33.680 --> 0:14:36.600 support her, and I walked away with like okay, all right, 0:14:36.720 --> 0:14:40.520 like inspiration and it impacted me. But the weekend is 0:14:40.560 --> 0:14:43.440 actually coming up this weekend here in Atlanta. The week 0:14:43.760 --> 0:14:46.720 right now is like the first weekend in February. And 0:14:46.800 --> 0:14:48.560 so that's one of the reasons I'm taking my son 0:14:48.600 --> 0:14:50.400 to my parents' house is because he's going to be 0:14:50.400 --> 0:14:53.080 there so I can go just fully dive in and 0:14:53.200 --> 0:14:55.160 learn and digest the Impact weekend. 0:14:55.920 --> 0:14:57.640 I love. I think that that ties in so nicely 0:14:57.680 --> 0:14:59.920 to the point you made a minute ago about setting 0:15:00.040 --> 0:15:03.160 aside the time to think intentionally about what you want 0:15:03.480 --> 0:15:05.880 and not letting it be something that Like for me, 0:15:05.920 --> 0:15:07.600 it's the classic. You know, it's the end of the night. 0:15:07.600 --> 0:15:10.520 It's ten o'clock, like the babies asleep, and you know, 0:15:10.560 --> 0:15:13.320 I'm on the couch watching thousand pounds Sisters, Like, maybe 0:15:13.360 --> 0:15:15.360 I should think about what I want to do next, 0:15:15.400 --> 0:15:18.600 you know what I mean? But actually create carving out 0:15:18.600 --> 0:15:21.400 that time and for you and and people can get 0:15:21.480 --> 0:15:23.720 I'm sure they'll. People will google and you should like 0:15:23.760 --> 0:15:26.560 look up, we'll put a link to to impact. What 0:15:26.640 --> 0:15:27.200 is an impact? 0:15:27.440 --> 0:15:29.680 Sorry, I keep for getting impact weekend. 0:15:29.840 --> 0:15:32.960 Impact weekend in Maya's program. And that's wonderful. But whatever 0:15:33.000 --> 0:15:35.480 that looks like for you, even just doing you know, 0:15:35.560 --> 0:15:39.160 renting an airbnb for a couple of days or leaving 0:15:39.160 --> 0:15:41.360 the kids with a sitter or whatever, so you have 0:15:41.480 --> 0:15:44.920 time to think about what you want and being intentional 0:15:44.960 --> 0:15:47.920 about it and putting that like it almost puts like 0:15:48.000 --> 0:15:51.120 a timer on that It's it's nice because you carve 0:15:51.160 --> 0:15:52.720 out the time, but it also gives you like a 0:15:52.760 --> 0:15:55.000 contained amount of time so that you can't just like 0:15:55.040 --> 0:15:56.680 put it off. You know, you're kind of forced to 0:15:56.720 --> 0:15:58.760 spend that time and thinking about it. So now is 0:15:58.760 --> 0:16:00.640 it something that you do on a regor their basis 0:16:00.760 --> 0:16:03.240 or is it the annual you know, go to Maya's event, 0:16:03.400 --> 0:16:05.000 or how do you do that for yourself kind of 0:16:05.000 --> 0:16:05.680 throughout the year. 0:16:06.200 --> 0:16:08.440 So one of the things that I do is as 0:16:08.440 --> 0:16:10.120 a mom, it's important for me to have me time 0:16:10.120 --> 0:16:12.840 where I'm only responsible for myself, and so I do 0:16:12.960 --> 0:16:15.880 quarterly getaways. And so last year I did my thinking 0:16:15.960 --> 0:16:17.880 during my quarterly getaway. I think I just did a 0:16:17.880 --> 0:16:20.520 staycation here in Atlanta, got a room at the suite 0:16:20.520 --> 0:16:23.680 at the w when it got massages, just that focus 0:16:23.720 --> 0:16:25.440 on myself that weekend. And then I also rented a 0:16:25.440 --> 0:16:28.720 treehouse here in Atlanta and went to the treehouse and 0:16:28.760 --> 0:16:32.040 had like my meals prepared and everything for my chef 0:16:32.120 --> 0:16:34.440 here and just hold up in a treehouse and did 0:16:34.480 --> 0:16:37.680 some planning. But at once a quarter I create space 0:16:37.720 --> 0:16:40.280 for myself just to think to myself and think in 0:16:40.360 --> 0:16:42.480 my business, to be away so that I don't wear 0:16:42.600 --> 0:16:44.440 the mom hat, I don't wear the wife hat. I 0:16:44.600 --> 0:16:47.040 just wear the Tanya hat and focus on what's most 0:16:47.040 --> 0:16:49.560 important to Tanya. And if Tanya feels good about how 0:16:49.600 --> 0:16:52.040 she's moving through the world in her business and in 0:16:52.080 --> 0:16:55.360 my own life, and that's really important to me because 0:16:55.360 --> 0:16:57.600 I think that we can really get disconnected from ourselves, 0:16:57.720 --> 0:17:00.480 especially in the social media era. We get take on 0:17:00.800 --> 0:17:03.920 others expectations of ours. We can take on pieces of 0:17:03.960 --> 0:17:06.400 other people's lives that don't even resonate with what we want, 0:17:06.440 --> 0:17:10.119 but it's what's socially acceptable or socially aspired. And so 0:17:10.960 --> 0:17:14.400 it's just that reconnection moment where I tune everything out. 0:17:14.480 --> 0:17:15.480 I don't watch TV. 0:17:17.320 --> 0:17:19.560 I just know thousand pounds Sisters for you. 0:17:19.680 --> 0:17:22.600 Yeah, No, No, no SNOWFALLLL. 0:17:22.480 --> 0:17:27.159 No, no Avid Elementary, which I'm like really into right now, 0:17:27.520 --> 0:17:29.440 No HDTV, none of it. 0:17:29.440 --> 0:17:32.320 It's just me spending time with me. 0:17:32.640 --> 0:17:34.600 Is that was it in your tree house when you 0:17:34.680 --> 0:17:36.920 decided I think it's time. I think I'm ready to 0:17:36.960 --> 0:17:38.280 be a real estate entrepreneur. 0:17:39.960 --> 0:17:42.240 No, you know, the real estate piece is something I've 0:17:42.280 --> 0:17:46.000 always wanted to do, always wanted to do, like always 0:17:46.040 --> 0:17:48.880 been having conversations with people enrold of my friend Julian's 0:17:48.960 --> 0:17:52.600 multimillion multi family mastermind, like always wanted to do. But 0:17:52.640 --> 0:17:54.119 I think that was one of the things I counted 0:17:54.119 --> 0:17:56.960 myself out of, especially when we bought our house here, 0:17:57.040 --> 0:17:58.959 because we bought a single family home. I was like, well, 0:17:59.000 --> 0:18:01.600 there goes my FHA three point five percent down. Now 0:18:01.600 --> 0:18:03.920 I got to say twenty percent down on an investment property. 0:18:04.280 --> 0:18:06.880 Let's just go ahead and do that and pay taxes 0:18:06.920 --> 0:18:09.000 and all this other stuff and pay a team and 0:18:09.119 --> 0:18:13.159 pay a nanny and all these other things. And I 0:18:13.240 --> 0:18:16.520 counted myself out. And then my current mentor we were 0:18:16.600 --> 0:18:18.760 having launch and we were talking about my million dollar years. 0:18:18.800 --> 0:18:20.760 She was like, girl, you're gonna need some more write offs. 0:18:21.040 --> 0:18:21.840 And I was like, I know. 0:18:22.080 --> 0:18:23.600 She was like, you need a property, and I was 0:18:23.600 --> 0:18:25.080 just like, I don't know if I could do it. 0:18:25.119 --> 0:18:28.720 She was like, there's ways, there's ways, and loan bold 0:18:29.640 --> 0:18:31.880 there are ways. They're ethical. We did a hard money 0:18:31.960 --> 0:18:34.840 loan on our on our property. So we were doing 0:18:34.840 --> 0:18:41.520 the Bird strategy, which is by renovate, rent, refinance. 0:18:40.440 --> 0:18:41.160 And then repeat. 0:18:42.000 --> 0:18:43.919 So we buy the house and need some work, you 0:18:44.000 --> 0:18:46.639 renovate the house, you rent it out. Once you renovated it, 0:18:46.720 --> 0:18:49.640 you go refinance to get the hard money loan off 0:18:49.680 --> 0:18:52.040 of the property and put a standard conventional mortgage on 0:18:52.080 --> 0:18:54.200 the property, and then you repeat the process. 0:18:54.600 --> 0:18:55.480 And so that is. 0:18:56.960 --> 0:18:58.280 Hard money loan. 0:18:59.080 --> 0:19:00.879 Yeah, we get are we getting? 0:19:00.960 --> 0:19:03.680