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Speaker 1: Hey, hey ba fam. It is one of the best

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Speaker 1: days of the week time for a hallaback Monday. So

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Speaker 1: whether you are a new fan of the show or

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Speaker 1: you are someone who has been listening for the past

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Speaker 1: nine years we have been on the air and you

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Speaker 1: just want to revisit some of your faves. Monday episodes

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Speaker 1: are for you because we dig into our archives and

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Speaker 1: find one of our oldie but goodie episodes to share

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Speaker 1: with you, and today's is super special. This was an

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Speaker 1: episode when I was joined by a special guest and friend,

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Speaker 1: Delianne Barros, a Brazilian born attorney turned investing coach who

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Speaker 1: is empowering people across the country and globe to be honest,

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Speaker 1: to learn how to invest and build wealth. So Delianne

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Speaker 1: is going to talk about her investing strategy, how she

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Speaker 1: transitioned from the legal field into becoming an investing coach,

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Speaker 1: and how she actually packed up and moved her entire

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Speaker 1: life to Portugal to get her own version of retiring early.

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Speaker 1: Give it a listen and enjoy, Hey ba Fam. Mandy,

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Speaker 1: here I am solo. This week Tiffany left me y'all no,

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Speaker 1: in all seriousness, Tiffany got an extraordinary opportunity and we

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Speaker 1: love those here. I mean, we don't call it Brown

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Speaker 1: Ambition for nothing. So Tiffany is off doing her thing

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Speaker 1: this week, and I have been saved by the one

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Speaker 1: and only stock market slayer herself, delian the money Coach.

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Speaker 1: You guys, I cannot wait for you to meet Delianne.

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Speaker 1: In fact, selfishly, I'm kind of excited about this because

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Speaker 1: with Tiffany being gone this week, it gave me a

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Speaker 1: chance to reach out to delian and connect with her

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Speaker 1: on ig. I just shot my shot and I said,

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Speaker 1: I love your content, I love what you're doing. You're

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Speaker 1: blowing up. I want you to come on Brown Ambition

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Speaker 1: and share your story with our audience. And on top

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Speaker 1: of that, it is Hispanic Heritage Month and it really

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Speaker 1: meant a lot to me that we could showcase one

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Speaker 1: of the baddest ass bad asses. I don't know how

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Speaker 1: to say that, one of the best Latinas in the

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Speaker 1: game right now. And the fact that there even is

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Speaker 1: a huge influencer space now for Latina money coaches and

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Speaker 1: money influencers, y'all, it has been a long time coming.

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Speaker 1: I am a huge fan of Delianne. I know you

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Speaker 1: guys will be too. When you hear from her. But

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Speaker 1: let me do a quick intro. So if you don't

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Speaker 1: know about Delianne, she is a Latina money expert and

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Speaker 1: ex employment law attorney. Yeah, she was an entire attorney

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Speaker 1: y'all before she pivoted. And she is going to talk

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Speaker 1: about how she just quit her job less than what

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Speaker 1: six months ago, and how she's now on track to

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Speaker 1: retire by age forty five and move to where, of course,

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Speaker 1: to Portugal like everybody else, it seems. Through her business,

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Speaker 1: delian the Money Coach, Delianne has a goal to show

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Speaker 1: investors that they don't need to wait to become debt

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Speaker 1: free or earn six figures in order to reach financial freedom.

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Speaker 1: Over twenty five hundred students have enrolled in her Sleigh

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Speaker 1: the Stock Market course, which you can find at the

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Speaker 1: link in the show notes, and Delian's been featured everywhere CNN,

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Speaker 1: Time Business Insider, all highlighting her work in support of

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Speaker 1: financial literacy, and of course check out the show notes

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Speaker 1: to follow her on Instagram and TikTok under her handle

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Speaker 1: delian the Money Coach. Now let me get out of

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Speaker 1: my own way, Tiffany, we hope you are slaying over

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Speaker 1: in La doing your thing. In the meantime, I'm so

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Speaker 1: excited to introduce you guys to delian So here is

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Speaker 1: our conversation and be sure to come back Friday when

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Speaker 1: we air our Baq and A episode. Delianne stuck around

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Speaker 1: and she helps me tackle y'all's questions this week. All right,

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Speaker 1: here we go, here's the show. All right, delian thank

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Speaker 1: you so much for joining Brown Ambition. Thanks for saving

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Speaker 1: my butt on.

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Speaker 2: I am honored. You can call me anytime and I'll

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Speaker 2: be here.

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Speaker 1: Just slid into your DMS. Well, listen, you are I mean,

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Speaker 1: we don't have we don't have co hosts that often.

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Speaker 1: We did have a few this past summer. And one

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Speaker 1: of my favorite things about inviting someone to sit in

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Speaker 1: the chair, the virtual chair across from me, is genuinely

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Speaker 1: every story is so unique, and yours is definitely one

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Speaker 1: that I have been following. It feels like for the

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Speaker 1: past year you've just blown up and I'm like, what

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Speaker 1: is she doing? She's got this, You've got this amazing platform.

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Speaker 1: You are empowering Latina women, especially to take charge not

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Speaker 1: just of their finances but of the stock market, which

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Speaker 1: is just something that until a couple of years ago

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Speaker 1: there just wasn't really anybody I feel like representing that space.

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Speaker 1: So thank God, thank Goodness for you and others like you,

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Speaker 1: and thank you for joining Brown Ambition.

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Speaker 2: Of course, thank you for having me. I'm always flattered

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Speaker 2: and I love spreading this idea that things are changing,

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Speaker 2: like the conversation around money's changing, the people who are

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Speaker 2: talking about it are changing, and I'm like so honored

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Speaker 2: to be part of that movement.

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Speaker 1: Yeah, I mean when you so your background, I mean,

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Speaker 1: first of all, you've got you've had a bunch of

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Speaker 1: different lives, it feels like professionally, but you were an

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Speaker 1: attorney and then you transition from being a badass attorney

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Speaker 1: to an editor for like a legal publication, right, and

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Speaker 1: then you quit entirely and now you are delhi Enbado

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Speaker 1: Slay the stock market, teaching investing courses online. But let's

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Speaker 1: back it up, because I've been reading up on you

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Speaker 1: and I didn't realize you're originally from Brazil, And is

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Speaker 1: it true that you came to the US and for

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Speaker 1: a long time you were actually undocumented. So tell me

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Speaker 1: about that, tell me about your origin story and sort

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Speaker 1: of how you have gotten to where you are today,

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Speaker 1: because that is such an incredible and unique story that

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Speaker 1: I don't think many people know about you.

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Speaker 2: Yeah. I mean it's funny because it doesn't seem like

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Speaker 2: that long ago, but I'm like, wow, it's been a lifetime. So, yeah,

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Speaker 2: my father got laid off in Brazil and there aren't

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Speaker 2: that many opportunities where we're from, so he packed us

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Speaker 2: up brought us to the US. I was eight years old,

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Speaker 2: my sister was four, and we moved to Miami and

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Speaker 2: that's pretty much like where I grew up from eight

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Speaker 2: to twenty one. And yeah, we were on documented, all

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Speaker 2: of us, so we were pretty much coached by our parents,

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Speaker 2: like stay out of trouble, go to school, you know, like,

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Speaker 2: don't misbehave, don't act out, because we can't bring attention

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Speaker 2: to ourselves, right, Like, every moment could be a risk

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Speaker 2: for one of us being sent back. So growing up

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Speaker 2: with that fear looming over you is something that you

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Speaker 2: don't ever really let go of, right. It's something that

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Speaker 2: is still a part of me today. Anything having to

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Speaker 2: do with immigration still gets me like sweating, even when

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Speaker 2: I go to the airport and you have to go

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Speaker 2: through immigration. Here I'm standing here with my American passport,

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Speaker 2: which I've wanted my entire life, and I didn't get

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Speaker 2: till what three four years ago. I became a citizen

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Speaker 2: and I still get like the sweats. So yeah, we

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Speaker 2: were documented because we came over as tourists. We overstayed

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Speaker 2: our visa, you know, not something that was I was

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Speaker 2: consulted about. I was eight years old and.

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Speaker 1: I haven't none spoke English. None of you spoke English either, okay.

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Speaker 2: And so we all learned, you know, tray by fire.

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Speaker 2: I was an esaul. I was bullied during school, you know,

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Speaker 2: typical treatments that you get when you're a foreigner, when

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Speaker 2: you're different, right, and when you're growing up in elementary

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Speaker 2: high school, if you're different at all, you're gonna get bullied.

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Speaker 2: So this was part of that. But thankfully I was

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Speaker 2: in Miami. I definitely wasn't the only one, but growing

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Speaker 2: up there was a little claustrophobic. So finally I did

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Speaker 2: get my papers, I did become a resident, and I

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Speaker 2: just immediately enrolled in college, put myself through law school.

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Speaker 2: I paid all my student loan offs last year, which

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Speaker 2: was a whole one hundred and fifty thousand dollars.

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Speaker 1: Let's just pause there for a second, because it was

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Speaker 1: a hundred and you're making it sound like, yeah, I

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Speaker 1: just did this, I got my papers. Yeah whatever, Well

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Speaker 1: just checking the boxes one hundred and fifty k. Yeah,

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Speaker 1: everyone can do that. Uh huh. Now I'm going to

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Speaker 1: retire in Portugal. But let me slow it down. Okay,

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Speaker 1: law school? Why law school? Why was that where? Why

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Speaker 1: was that sort of your your profession of choice? And

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Speaker 1: talk to me about the I mean, this thread of

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Speaker 1: the mental toll of that fear. You know, I don't

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Speaker 1: know if your parents are citizens now or what their

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Speaker 1: status is, but tell me about that year and how

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Speaker 1: that sort of led you into your decision making when

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Speaker 1: you were when you were figuring out school and your career.

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Speaker 2: Yeah, it was terrifying because and it was also heartbreaking

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Speaker 2: because I saw all my classmates making big plans to

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Speaker 2: go to these colleges. They were getting scholarships, they were

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Speaker 2: getting financial aid. I didn't qualify for any of those things. Right,

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Speaker 2: So I'm graduating at the top of my class in

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Speaker 2: high school and I'm stuck. I'm pretty much frozen. There

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Speaker 2: is no assistance for anybody like me. I would go

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Speaker 2: to the school counselor, I would talk to the principal.

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Speaker 2: There's like, there's nothing we can do. So I was

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Speaker 2: basically on my own until I figured out the immigration

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Speaker 2: situation on my own. But once that got resolved, I'm like, Okay,

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Speaker 2: I could start living my life because I literally felt

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Speaker 2: like my life was on pause. And why did I

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Speaker 2: choose law school? Well, it was either that or medical

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Speaker 2: school because like any other immigrant, I'm like, I have

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Speaker 2: to overcompensate for all of my parents, you know, shortcomings,

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Speaker 2: And so I'm like, which one is it going to be?

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Speaker 2: I always knew I wanted to help people. Math completely

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Speaker 2: terrified me, even though I took calculus. Well whatever, I decided,

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Speaker 2: let's go to law school, no math. And then I

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Speaker 2: was deciding whether I was going to do immigration or

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Speaker 2: employment law. So I did my internship and immigration and

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Speaker 2: I tested that out, and I don't know, maybe it

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Speaker 2: was a little too close to home. It was just

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Speaker 2: too emotional for me. But I'm like, how can I

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Speaker 2: still help this population through another way? And so I

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Speaker 2: chose employment law and I did plain of side employment law.

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Speaker 2: So I represented employees in discrimination cases, wage in hour cases,

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Speaker 2: contract negotiations, you name it, right, I was doing those

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Speaker 2: type of cases. And I did that for seven years litigation,

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Speaker 2: and it was rewarding work. But if you've talked to

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Speaker 2: any attorney, being an attorney is extremely stressful. You're getting

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Speaker 2: stressed from all different levels, the partners, the clients, the

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Speaker 2: your coworkers, everywhere, right, And it's just this constant stress

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Speaker 2: and very little support, especially for people of color, especially

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Speaker 2: for women of color. And so I felt very isolated

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Speaker 2: and I felt overwhelmed, and I felt like I chose

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Speaker 2: a profession again because I was trying to prove a

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Speaker 2: point instead of really following my heart, you know. And

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Speaker 2: so and also because I wanted financial security. God, I

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Speaker 2: desperately want it. I was, you know, we were poor.

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Speaker 2: I was living in Miami. I was living in an apartment.

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Speaker 2: I tell people, I'm like, I used to live a

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Speaker 2: broom by the door because I would come in and

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Speaker 2: have to kill the cockroaches because it was like a

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Speaker 2: little kitchenette, and it was there was no sink in

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Speaker 2: the bathroom. I had to like brush my teeth in

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Speaker 2: the shower. It was, you know, not a good situation.

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Speaker 2: And so for me, education meant lifting myself out of poverty.

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Speaker 2: Like I needed education to be that ladder for me

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Speaker 2: out and it did. It did become that ladder, but

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Speaker 2: it also trapped me in this capital less game that

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Speaker 2: I didn't realize I was now part of. And so

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Speaker 2: walking away from my legal career took a huge mindset

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Speaker 2: chef for me to have.

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Speaker 1: That was because that wasn't even that long ago, was it.

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Speaker 1: I mean we're talking about.

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Speaker 2: I mean I literally quit in March of this year.

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Speaker 1: Wait, just this past march?

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Speaker 2: Yeah, wow, March twenty twenty one, what I put in

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Speaker 2: my notice.

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Speaker 1: So that's a big milestone, especially for anyone who's like you.

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Speaker 1: For example, you discovered the Fire movement, financial independence, retire early.

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Speaker 1: When was that a couple of years ago? Or so

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Speaker 1: when you discovered that movie?

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Speaker 2: Yeah, twenty nineteen, twenty nineteen years soon, I'm heard of

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Speaker 2: more aware, Like I discover something, I go all in.

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Speaker 1: I'm finding that out. I'm like, good lord, we've been

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Speaker 1: doing this show for six years anyway, So tell me,

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Speaker 1: I mean, you discovered the fire movement, You're you quit

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Speaker 1: your job less than a year ago. How has the

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Speaker 1: what are your what do your parents think? What do

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Speaker 1: your parents think of what you're doing?

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Speaker 2: Yeah? I mean I unfortunately my dad's not in my life.

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Speaker 2: But my mom is she lives in Brazil. She was

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Speaker 2: just wrapping her head around the fact that I was

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Speaker 2: an attorney. She's like, I'm starting to understand what I

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Speaker 2: did and now I'm like, oh, I'm not that doing

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Speaker 2: that anymore. Mom, I teach people about investing in the

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Speaker 2: stock market. She's like what. But she's very supportive. She's like,

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Speaker 2: she just wants to see us all happy and healthy,

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Speaker 2: taken care of. So, yeah, we have this distant relationship

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Speaker 2: because she's been living in Brazil for the last what

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Speaker 2: twelve thirteen years?

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Speaker 1: Oh so she went back when you were still, yeah,

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Speaker 1: in your twenties or so, and you so you have

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Speaker 1: a little sister.

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Speaker 2: I have two little sisters, one that lives in Hawaii

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Speaker 2: and one that lives in Colorado.

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Speaker 1: So you guys take care I have siblings and where

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Speaker 1: I feel you because my siblings live in different states too.

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Speaker 1: And it's crazy because I feel like I spent my

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Speaker 1: twenties just not really caring about the distance. But now

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Speaker 1: that I'm in my mid thirties and I got a baby,

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Speaker 1: I'm like, wait, why do you guys live so far away?

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Speaker 1: But how important are you are those relationships to you.

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Speaker 2: No, absolutely, And so my sister now lives in Hawaii,

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Speaker 2: which is the closest we've been geographically in forever because

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Speaker 2: she's live in Singapore. So now it feels like she's

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Speaker 2: right there all of a sudden, but she'll probably be

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Speaker 2: moving again. Yeah. Same as I've gotten older, I felt

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Speaker 2: that having that physical proximity to your family is really

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Speaker 2: really important. So my hope is to retire in Portugal

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Speaker 2: and bring my mom. I want to like bring the

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Speaker 2: nucleus back together. I'm trying to convince my sister to

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Speaker 2: move there, my mom, and I'm like, let's get the

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Speaker 2: family back together.

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Speaker 1: Why Portugal? It seems like everyone's moving to Portugal. Portugal's

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Speaker 1: got some like serious shine on it right now? What

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Speaker 1: is in the water over there? Yeah, tell me about it.

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Speaker 1: How did you arrive at that decision and what drew

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Speaker 1: you to it?

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Speaker 2: I can't speak to for everyone else. I'm Brazilian, so

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Speaker 2: for me, the connection is natural. I see Portuguese, although

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Speaker 2: the Portuguese there is I visited two three years ago. God,

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Speaker 2: everything's jumbled now, and I absolutely fell in love with it.

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Speaker 2: I've always loved Europe, Spain, Italy, France. But when I

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Speaker 2: visited Portugal. It felt like home, Like the people were lovely.

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Speaker 2: It just it was safe, it was calm. Right, I'm

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Speaker 2: just coming from New York because I lived in New

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Speaker 2: York City for fifteen years. It was just a different vibe.

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Speaker 2: And when i started putting together my financial independence plan,

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Speaker 2: and I'm like, Wow, it's gonna be difficult to swing

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Speaker 2: this here in the States, right, especially now that I'm

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Speaker 2: living California. But I'm like, what if I moved abroad? Right?

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Speaker 2: But then the again, the immigration thing came up, the fears.

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Speaker 2: I'm like, oh my god, I'm gonna deal with immigration again.

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Speaker 2: I just became a citizen. Now I'm gonna I don't know.

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Speaker 2: I felt like I was risking it. But then I

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Speaker 2: realized that becoming a citizen in Portugal is actually quite simple,

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Speaker 2: quite easy to move there to become a resident.

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Speaker 1: Of being welcoming to immigrants.

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Speaker 2: Yes, right, how odd? And so they have something that's

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Speaker 2: called the D seven visa, which is basically, if you

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Speaker 2: have any kind of passive income, there's like a threshold

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Speaker 2: that you have to meet. You meet that threshold, you

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Speaker 2: can come live there and you can become a citizen

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Speaker 2: after five years done and That gives me a lot

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Speaker 2: of peace of mind, not only for myself but for

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Speaker 2: my mom because I'm going to be taking care of her.

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Speaker 2: So even though I don't have kids, I am taking

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Speaker 2: care of a generation above me, right, and so I

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Speaker 2: want to make sure that she's taken care of that

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Speaker 2: she has health, insurance, access to all of that. And

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Speaker 2: it was important when I was choosing which country that

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Speaker 2: I could check those boxes.

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Speaker 1: Yeah, that's wonderful. So what's your goal? When are you

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Speaker 1: going to be in Portugal? What it does? And when

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Speaker 1: you said, first of all, I'm a victim of my

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Speaker 1: own deadlines all the time, so I'm just I'm I

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Speaker 1: going to ask you this, but I'm also thinking, like,

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Speaker 1: you can move your deadlines anytime, girl, Like it is

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Speaker 1: not that big of a deal. I don't mean to

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Speaker 1: put any pressure on you, but you going to be there.

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Speaker 2: I'm so glad you said that because that's how I

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Speaker 2: am too. I when I speak something into existence, I

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Speaker 2: feel obligated to make it happen exactly as I said it.

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Speaker 2: And that's such a I don't know if that's a

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Speaker 2: scorpio thing. I don't know if that's an immigrant thing

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Speaker 2: or the type a thing. Yeah, yes, the timeline is

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Speaker 2: about in the next two years.

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Speaker 1: Two years, okay, holy shit.

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Speaker 2: And yeah, the only reason for that is because I

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Speaker 2: want to get over there do some scouting, and I

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Speaker 2: haven't been able to because of you know, the panoramic.

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Speaker 2: So once I have a minute to hang over there,

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Speaker 2: do some house shopping, house hunting, feel a little bit

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Speaker 2: better about where we're going to land, then I will

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Speaker 2: probably be escalating those plans.

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Speaker 1: So what I love about your story too, is that

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Speaker 1: you acknowledge like I was a full a full lawyer,

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Speaker 1: a full attorney at law four blocks away from Wall Street,

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Speaker 1: and even I didn't know how investing work you've said,

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Speaker 1: how investing works you said, or how the stock market worked.

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Speaker 1: So what was that aha moment for you? And I'm

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Speaker 1: even just getting a sense from our conversation so far,

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Speaker 1: I'm sure like you learned it and you were immediately like, Okay, great,

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Speaker 1: these are the facts. Now I'm going to implement this

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Speaker 1: and four years later you're going to be in Portugal.

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Speaker 1: But walk us back to that moment. What was that

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Speaker 1: like for you? I mean you you even say that

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Speaker 1: you weren't even investing in your four oh one k

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Speaker 1: you know.

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Speaker 2: Well, I was. I was, actually I was investing it,

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Speaker 2: thank god, from twenty eleven, but without understanding anything what

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Speaker 2: was going on inside of it. Like literally my hr person,

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Speaker 2: which was a woman of color, a black woman, which

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Speaker 2: I'm like, thank god, somebody was looking out came to

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Speaker 2: me and said, excuse me, why aren't you investing in

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Speaker 2: the four one day literally free money? What are you

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Speaker 2: talking about? And I'm thinking, what are you talking about?

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Speaker 2: Why do I need to be thinking about this right now?

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Speaker 2: I have all these student loans. You want me to

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Speaker 2: think about my life in my sixties, I don't have

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Speaker 2: I'm trying to make life work here in New York City.

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Speaker 2: She's like, no, no, no, you have to sign up for it.

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Speaker 2: Thank god she did that, and so I have had

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Speaker 2: it for the last ten years, and it is the

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Speaker 2: account that I'm most proud of because it's the one

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Speaker 2: that I've put the least amount of money and it's

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Speaker 2: grown the most. So it shows you, like the power

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Speaker 2: of compound interest.

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Speaker 1: You know, we're like we're stock markets soul sisters. I

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Speaker 1: feel like because I started my four one K and

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Speaker 1: twenty eleven as well, although I was for a year

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Speaker 1: not investing at all, and what I love about your

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Speaker 1: story and actually I was just CNBC recently ran a

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Speaker 1: story that I wrote about my net worth journey, and

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Speaker 1: first of all, the bros at CNBC on their ig

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Speaker 1: page like I can take it, Like what does that mean?

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Speaker 1: You know, baby, I'm a gangster two. So if you

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Speaker 1: come for me and try to tell me, oh, well,

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Speaker 1: of course you your net worth increased, you know, the

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Speaker 1: stock market's been up for a decade, I'm like, yeah,

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Speaker 1: that's the point. The point is that I started, and

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Speaker 1: that is what so many people struggle with. And that's

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Speaker 1: what I love about your story and mine is that

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Speaker 1: those little tiny baby for one case, they were like

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Speaker 1: a little seedling, you know, and I put my little

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Speaker 1: money in there and it was it's it's beautiful to

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Speaker 1: see that grow. But it's also like, yeah, give us

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00:20:18,320 --> 00:20:22,359
Speaker 1: our give us our flowers for starting something before you.

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Speaker 1: But just like that, that that little like seed of

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Speaker 1: faith that you had that you're going to grow into

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Speaker 1: something larger and the patience and hell's yeah, we can

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Speaker 1: celebrate it, you know, a decade later. I love that.

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Speaker 2: I love that, I know, and it's such it's so

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Speaker 2: frustrating with the bros because they don't want to give

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Speaker 2: us our props because we were passive investors, were not

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Speaker 2: stock pickers, right, we're not day trading. And so because

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Speaker 2: crypto we can, yeah, we can't, like, you know, sign

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Speaker 2: off on some fancy stock that made us a pajillion

390
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Speaker 2: percent return. Somehow that lessons our accomplishment, which is complete

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Speaker 2: bs because at the end of the day, who makes

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Speaker 2: money is the person who did it consistently over time,

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Speaker 2: patiently kept their money in, let it grow, and didn't

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Speaker 2: mess around with it. And this is why women are

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Speaker 2: statistically better investors than men now, so because we know

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Speaker 2: how to do this. And so the only problem with

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Speaker 2: women quote unquote women is that we're not doing it enough.

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Speaker 2: That's it. If we just need to invest more, we

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Speaker 2: need to participate more. But when we do, we're great investors.

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Speaker 2: So when I found out about financial independence and I

401
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Speaker 2: started learning about investing, my reaction was anger. To be honest,

402
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Speaker 2: I was really angry. I was angry that I didn't

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Speaker 2: know this stuff. I'm like, how is it that I'm

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Speaker 2: a professional making six figures, like you said, living in

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Speaker 2: New York City, surrounded by stock market information all day long,

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Speaker 2: and I don't understand the basics of investing. That's how

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Speaker 2: I knew. I was like, Wow, if the information's not

408
00:21:59,480 --> 00:22:02,280
Speaker 2: trickling down to me, it's definitely not trickling down other people.

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Speaker 2: Because all I hear everybody talking about is real estate.

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Speaker 2: That's it. You want to build wealth, you got to

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Speaker 2: go buy something. And so that's the message that I

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Speaker 2: was adhering to, hoarding cash in my savings account, chasing

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Speaker 2: New York City real estate, never getting anywhere, and I'm like,

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Speaker 2: I don't understand how are people building their networth? Like

415
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Speaker 2: how am I ever going to stop working someday? It

416
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Speaker 2: seems like it's going to go on forever. And so

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Speaker 2: when I found out about it, that's why I was

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Speaker 2: it was such a quick buy in for me. I mean,

419
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Speaker 2: obviously I did my research, I looked into it, but

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Speaker 2: I was like, this is it, this is the way out.

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Speaker 2: And then I just started using social media to share

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Speaker 2: my own personal journey, and that's when it started growing

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Speaker 2: into something way more. Yeah.

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Speaker 1: So that decision that you made, I mean you like

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Speaker 1: you said, is it right that you had this big

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Speaker 1: chunk of change, like one hundred grand that you had

427
00:22:56,280 --> 00:22:59,159
Speaker 1: set aside for what a home like a down payment

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Speaker 1: and you discovered fire, and what did you decide to

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Speaker 1: do with that money instead?

430
00:23:04,520 --> 00:23:07,359
Speaker 2: So I split into three buckets. One was my emergency

431
00:23:07,359 --> 00:23:10,200
Speaker 2: fund because I need to sleep at night. I need

432
00:23:10,240 --> 00:23:13,760
Speaker 2: money in the bank, always in forever. And I tell

433
00:23:13,800 --> 00:23:17,240
Speaker 2: everybody that you do too. And then I sent another

434
00:23:17,280 --> 00:23:22,639
Speaker 2: big chunk to Navviant. Here, Naviant, take your freaking money.

435
00:23:23,520 --> 00:23:28,879
Speaker 2: Please get out of my face, okay, because no, this

436
00:23:29,119 --> 00:23:33,400
Speaker 2: was some Also. This was October twenty nineteen, five months

437
00:23:33,440 --> 00:23:37,479
Speaker 2: before the pandemic. Yeah, you know, stock market is at

438
00:23:37,480 --> 00:23:40,560
Speaker 2: all time highs. I don't care. I'm like, I did

439
00:23:40,600 --> 00:23:42,600
Speaker 2: my research. I'm in it for the long run. Then

440
00:23:42,640 --> 00:23:44,800
Speaker 2: I took another fifty thousand dollars and I put it

441
00:23:44,800 --> 00:23:48,760
Speaker 2: in a brokerage account of Vanguard, five months before the pandemic.

442
00:23:49,200 --> 00:23:51,359
Speaker 2: So I did the scary thing that everybody's scared to do.

443
00:23:51,520 --> 00:23:53,080
Speaker 2: Oh my god, what if I put money in and

444
00:23:53,119 --> 00:23:56,600
Speaker 2: then the market crashes? It? Literally I did it. And

445
00:23:56,640 --> 00:24:00,080
Speaker 2: guess what that money has recovered and continue to grow?

446
00:24:00,200 --> 00:24:03,320
Speaker 2: Is them totally fine? The S and P five hundred

447
00:24:03,359 --> 00:24:06,520
Speaker 2: was at twenty nine hundred when I did that, which

448
00:24:06,600 --> 00:24:10,000
Speaker 2: was all time highs. Today it's at forty four hundred.

449
00:24:11,520 --> 00:24:14,119
Speaker 1: Yeah, so that's fifty K. What's the value today?

450
00:24:15,080 --> 00:24:17,320
Speaker 2: I mean I don't have like the exact number on it,

451
00:24:17,560 --> 00:24:20,760
Speaker 2: but think about it. It dropped in value forty percent

452
00:24:20,800 --> 00:24:23,640
Speaker 2: in March, so I was down, like it went into

453
00:24:23,680 --> 00:24:26,359
Speaker 2: my principle, which is the thing you never want, right,

454
00:24:26,480 --> 00:24:29,600
Speaker 2: So I lost all my growth and then the money,

455
00:24:29,760 --> 00:24:31,359
Speaker 2: some of the money that I put in, so it

456
00:24:31,440 --> 00:24:35,000
Speaker 2: was up to like almost sixty K by the time

457
00:24:35,040 --> 00:24:37,399
Speaker 2: the market crashed, so I put in fifty it was

458
00:24:37,480 --> 00:24:40,000
Speaker 2: up till like sixty So I lost the ten that grew,

459
00:24:40,160 --> 00:24:42,359
Speaker 2: that grew, and then I lost another ten.

460
00:24:43,440 --> 00:24:46,040
Speaker 1: So what was your reaction? How did you stick with it?

461
00:24:46,520 --> 00:24:47,000
Speaker 1: How did you know?

462
00:24:47,200 --> 00:24:49,840
Speaker 2: Yeah? I mean it's funny because my reaction is actually

463
00:24:49,840 --> 00:24:52,840
Speaker 2: documented on Instagram because I remember, I'm in the middle

464
00:24:52,880 --> 00:24:57,080
Speaker 2: of launching my business. I'm talking about investing, and I'm

465
00:24:57,119 --> 00:25:01,639
Speaker 2: literally talking everybody else down off a ledge and I'm like,

466
00:25:01,960 --> 00:25:04,000
Speaker 2: this is the moment we've been waiting for. This is

467
00:25:04,119 --> 00:25:07,439
Speaker 2: what I've been telling you guys might happen. And so

468
00:25:08,880 --> 00:25:11,359
Speaker 2: I continue to pay off my student loans, but I

469
00:25:11,400 --> 00:25:14,439
Speaker 2: also continue to invest. And I'm so glad I did that,

470
00:25:14,480 --> 00:25:16,800
Speaker 2: and I did it all throughout twenty twenty. I actually

471
00:25:16,840 --> 00:25:20,760
Speaker 2: poured one hundred thousand dollars into the market in twenty twenty. Okay,

472
00:25:20,920 --> 00:25:21,600
Speaker 2: so glad I did.

473
00:25:21,880 --> 00:25:24,159
Speaker 1: So you don't know the exact value, I mean, do

474
00:25:24,240 --> 00:25:27,000
Speaker 1: you not? Typically I try to not look at my

475
00:25:27,040 --> 00:25:29,359
Speaker 1: accounts too too often. I try to look at my

476
00:25:29,400 --> 00:25:32,960
Speaker 1: net worth and that nice round number, and you know,

477
00:25:33,000 --> 00:25:36,120
Speaker 1: that's what I'm kind of focused on. But how often

478
00:25:36,280 --> 00:25:39,040
Speaker 1: are you checking your numbers? I think we got a

479
00:25:39,080 --> 00:25:41,960
Speaker 1: question from someone who was like, I've gotten it through

480
00:25:42,000 --> 00:25:44,680
Speaker 1: Mandy Money, Just how do I stop checking my accounts?

481
00:25:44,720 --> 00:25:48,720
Speaker 1: I'm obsessed with watching the progress. What's that relationship been

482
00:25:48,800 --> 00:25:49,280
Speaker 1: like for you?

483
00:25:50,119 --> 00:25:52,640
Speaker 2: I think in the beginning, that's totally normal. If you're

484
00:25:52,800 --> 00:25:55,720
Speaker 2: brand into investing, of course they're going to be watching it, right.

485
00:25:55,800 --> 00:25:59,199
Speaker 2: It's something so new, especially if you didn't take a

486
00:25:59,240 --> 00:26:00,879
Speaker 2: lot of time to learn learn about the history of

487
00:26:00,880 --> 00:26:03,239
Speaker 2: the stock market. You're kind of learning on the go,

488
00:26:03,880 --> 00:26:06,720
Speaker 2: so that's why you're so nervous. But trust me, you'll

489
00:26:06,720 --> 00:26:09,800
Speaker 2: get bored with that because let's will move on. You're

490
00:26:09,800 --> 00:26:12,600
Speaker 2: gonna get sick of seeing the ups and downs and

491
00:26:13,520 --> 00:26:15,879
Speaker 2: people will just move on with their lives. So I

492
00:26:15,880 --> 00:26:18,520
Speaker 2: think that's actually a normal reaction, and I'm not gonna

493
00:26:18,600 --> 00:26:20,040
Speaker 2: tell you to not do it, because when you tell

494
00:26:20,040 --> 00:26:21,800
Speaker 2: people not to do something, then they really want to

495
00:26:21,840 --> 00:26:25,160
Speaker 2: do it. So it's fine. But I check my accounts

496
00:26:25,160 --> 00:26:28,400
Speaker 2: every day. But this is my job. Like that's why

497
00:26:28,440 --> 00:26:31,360
Speaker 2: I look at the market every day. I'm telling everybody, hey,

498
00:26:31,480 --> 00:26:35,000
Speaker 2: my account, for instance today recording today, the market's down

499
00:26:35,080 --> 00:26:39,919
Speaker 2: two percent. My brokerage account just fell eight thousand dollars.

500
00:26:40,200 --> 00:26:42,960
Speaker 2: Like I know these things because I'm also sharing it

501
00:26:43,000 --> 00:26:45,399
Speaker 2: with my audience. I'm telling them, hey, I'm in it

502
00:26:45,440 --> 00:26:48,960
Speaker 2: with you. I'm seeing my account move down. Guess what

503
00:26:49,040 --> 00:26:51,840
Speaker 2: I just did. I just bought more. Like I'm talking

504
00:26:51,880 --> 00:26:55,280
Speaker 2: them through it as I'm experiencing too, and I think

505
00:26:55,280 --> 00:26:57,560
Speaker 2: that that calms people down.

506
00:26:57,960 --> 00:27:00,159
Speaker 1: Yeah, okay, now that makes a lot of sense. I

507
00:27:00,200 --> 00:27:02,639
Speaker 1: try not to look. I don't even pay attention. It

508
00:27:02,680 --> 00:27:07,320
Speaker 1: was liberating. It's so much more liberating when you feel like, okay,

509
00:27:07,680 --> 00:27:10,680
Speaker 1: I am I've chosen this lifestyle as a passive investor.

510
00:27:11,320 --> 00:27:13,720
Speaker 1: The point of it is it's called passive. Like you

511
00:27:13,800 --> 00:27:15,840
Speaker 1: just float. You know, you're on your little raft and

512
00:27:15,840 --> 00:27:19,080
Speaker 1: you're just floating and you're just enjoying the scenery and

513
00:27:19,160 --> 00:27:22,879
Speaker 1: it's all working for you. It's just having that faith.

514
00:27:23,840 --> 00:27:25,920
Speaker 2: Let's talk look at my far Okay, sorry, when I

515
00:27:25,960 --> 00:27:28,639
Speaker 2: look at my phone. Okay, that's what I did. I

516
00:27:28,640 --> 00:27:30,800
Speaker 2: ignored it for ten years. I'm just now aware of

517
00:27:30,880 --> 00:27:34,199
Speaker 2: it because I'm painfully aware of everything about investing. But

518
00:27:34,280 --> 00:27:36,760
Speaker 2: before that, I ignored it for years and guess what,

519
00:27:36,840 --> 00:27:38,880
Speaker 2: it grew and it did its thing, So.

520
00:27:38,800 --> 00:27:42,000
Speaker 1: You don't need to be watching it absolutely. Let's talk

521
00:27:42,000 --> 00:27:45,160
Speaker 1: about fire. Do you have a fire number? Is there

522
00:27:45,200 --> 00:27:47,600
Speaker 1: a I know we talked about time earlier in the

523
00:27:47,640 --> 00:27:49,359
Speaker 1: time when you want to be in Portugal, but is

524
00:27:49,359 --> 00:27:52,080
Speaker 1: there more than time? Is there like an actual number

525
00:27:52,160 --> 00:27:54,879
Speaker 1: you want to reach for your net worth or your

526
00:27:55,000 --> 00:27:57,880
Speaker 1: your portfolio before you know it's time to move.

527
00:27:58,200 --> 00:28:01,760
Speaker 2: Yeah, I don't necessarily need to hit fire to move.

528
00:28:02,160 --> 00:28:03,800
Speaker 2: I used to think that was the case, and it

529
00:28:03,960 --> 00:28:06,800
Speaker 2: was because I was tied to my nine to five, right,

530
00:28:06,840 --> 00:28:08,080
Speaker 2: So if I was going to stay in my nine

531
00:28:08,119 --> 00:28:10,560
Speaker 2: to five, then I had to hit fire before I

532
00:28:10,560 --> 00:28:13,400
Speaker 2: could quit my job. But I became financial independence sooner

533
00:28:13,440 --> 00:28:17,879
Speaker 2: because of my business, so things as changed faster than

534
00:28:17,880 --> 00:28:21,639
Speaker 2: I expected. But as far as financial independence, and I

535
00:28:21,720 --> 00:28:24,560
Speaker 2: like to call it financial dependence, relax early because I

536
00:28:24,560 --> 00:28:28,360
Speaker 2: think retiring just has this connotation that people get allergic

537
00:28:28,400 --> 00:28:30,960
Speaker 2: to it. They hear it, they're like, oh my god, retiring.

538
00:28:31,040 --> 00:28:37,120
Speaker 2: That sounds so done over right, And I'm like, it's

539
00:28:37,160 --> 00:28:39,720
Speaker 2: not that. It's just a moment where now you can

540
00:28:39,760 --> 00:28:43,880
Speaker 2: pause and decide what do you want your life to look? Like?

541
00:28:44,680 --> 00:28:46,800
Speaker 2: That's what it is. It gives you all the freedom

542
00:28:46,840 --> 00:28:50,520
Speaker 2: to decide. So for me, like I said, financial independence,

543
00:28:50,560 --> 00:28:53,640
Speaker 2: relax early, I definitely have a number because I'm very

544
00:28:53,680 --> 00:28:56,880
Speaker 2: goal oriented, so I think it's important to have a number.

545
00:28:57,240 --> 00:28:59,200
Speaker 2: And so right now that number is one and a

546
00:28:59,240 --> 00:29:02,400
Speaker 2: half million, and that's just for me. But what I

547
00:29:03,240 --> 00:29:05,160
Speaker 2: a new term that I think I've coined. I haven't

548
00:29:05,200 --> 00:29:09,000
Speaker 2: heard anybody else use it is family fire, which it

549
00:29:09,040 --> 00:29:12,040
Speaker 2: means like, is there anybody else, like extended family or

550
00:29:12,080 --> 00:29:14,400
Speaker 2: someone outside of your household that you're also saving and

551
00:29:14,480 --> 00:29:17,520
Speaker 2: investing for which I am, which is my mom. So

552
00:29:17,560 --> 00:29:20,400
Speaker 2: our family fire number is actually two million, right so

553
00:29:20,560 --> 00:29:22,560
Speaker 2: to cover both me and my mom. And this is

554
00:29:22,920 --> 00:29:26,400
Speaker 2: all assuming that I am withdrawing somewhere between like fifty

555
00:29:26,440 --> 00:29:29,200
Speaker 2: to seventy thousand dollars a year to cover both my

556
00:29:29,280 --> 00:29:33,240
Speaker 2: living expences and her living expenses. So that's like where

557
00:29:33,600 --> 00:29:36,840
Speaker 2: you know, I'm directionally going. Obviously, things can change. That

558
00:29:36,920 --> 00:29:38,560
Speaker 2: number can go up, that number can go down. And

559
00:29:38,600 --> 00:29:41,120
Speaker 2: that's the beauty of fires that you're supposed to be

560
00:29:41,640 --> 00:29:45,000
Speaker 2: super flexible. Right, things can change, like the market can change,

561
00:29:45,040 --> 00:29:47,480
Speaker 2: Your plans can change. A lot of people think that

562
00:29:47,520 --> 00:29:49,960
Speaker 2: like you're locked in and then that's it, or that

563
00:29:50,000 --> 00:29:54,120
Speaker 2: you're living this pretty miserable, frugal lifestyle, right, pinching pennies,

564
00:29:54,240 --> 00:29:58,760
Speaker 2: cutting coupons, not enjoying yourself. Totally not true. I travel,

565
00:29:59,200 --> 00:30:03,080
Speaker 2: I spend money leggings, I bought a peloton. I you know,

566
00:30:03,200 --> 00:30:05,280
Speaker 2: the thing is what I've realized is that I've learned

567
00:30:05,320 --> 00:30:07,840
Speaker 2: how to value what I want to spend my money on,

568
00:30:08,000 --> 00:30:10,280
Speaker 2: Like what am I going to do to It's like

569
00:30:10,320 --> 00:30:12,760
Speaker 2: the Marie condo of spending, Like, you know, what is

570
00:30:12,760 --> 00:30:14,640
Speaker 2: going to bring me the most joy, I'm going to

571
00:30:14,720 --> 00:30:16,840
Speaker 2: double down on those things and I'm going to cut

572
00:30:16,880 --> 00:30:20,760
Speaker 2: out all the junk. And you feel a lot more

573
00:30:20,840 --> 00:30:23,240
Speaker 2: like fulfilled when you do that.

574
00:30:25,400 --> 00:30:29,000
Speaker 1: When you talk about family fire, I like that expression

575
00:30:29,080 --> 00:30:31,920
Speaker 1: because I think especially that is a point of view

576
00:30:31,960 --> 00:30:36,360
Speaker 1: that isn't typically you know, spoken about, because the people

577
00:30:36,360 --> 00:30:40,880
Speaker 1: who generally lead conversations about fire are you know, white men,

578
00:30:41,200 --> 00:30:43,960
Speaker 1: white women, white families, and typically they may not have

579
00:30:44,080 --> 00:30:46,040
Speaker 1: to take care of a family or take them along

580
00:30:46,080 --> 00:30:48,920
Speaker 1: with them because their families are fine already. But especially

581
00:30:48,960 --> 00:30:51,240
Speaker 1: for you, you know, you're being an immigrant with your

582
00:30:51,320 --> 00:30:54,320
Speaker 1: with your mom, wanting to take care of her and

583
00:30:54,360 --> 00:30:59,720
Speaker 1: your your siblings as well. Do you feel like I

584
00:30:59,760 --> 00:31:02,160
Speaker 1: want to like phrase us the right way because I

585
00:31:02,200 --> 00:31:04,960
Speaker 1: got this question when I came clean. I published a

586
00:31:04,960 --> 00:31:07,320
Speaker 1: story on CNBC about my net worth and how it's grown,

587
00:31:07,360 --> 00:31:09,880
Speaker 1: and one of my really good friends called me up

588
00:31:09,880 --> 00:31:11,840
Speaker 1: and he's like, aren't you afraid people are going to

589
00:31:11,880 --> 00:31:13,680
Speaker 1: be coming with their hands out, you know, trying to

590
00:31:13,680 --> 00:31:18,440
Speaker 1: get those coins. And my reaction was just like no, no,

591
00:31:18,560 --> 00:31:21,200
Speaker 1: I mean it's not in a way where it's I

592
00:31:21,240 --> 00:31:23,560
Speaker 1: feel obligated to take care of people, but it's like

593
00:31:23,680 --> 00:31:27,320
Speaker 1: that's the point, the point of breaking you know, generational

594
00:31:28,400 --> 00:31:31,880
Speaker 1: poverty and generational like lack of knowledge of financial, financial

595
00:31:31,920 --> 00:31:35,000
Speaker 1: finances and the financial markets is to help them see

596
00:31:35,000 --> 00:31:38,320
Speaker 1: what's possible in a way, And I wonder there's a

597
00:31:38,360 --> 00:31:41,280
Speaker 1: flip side though, It's like you'd be surprised how much

598
00:31:41,280 --> 00:31:44,200
Speaker 1: family doesn't want your advice when you are like the

599
00:31:44,320 --> 00:31:46,560
Speaker 1: money person, and so I'm wondering what the dynamic is

600
00:31:46,600 --> 00:31:49,400
Speaker 1: for you with your siblings, with your mom. Do you

601
00:31:49,520 --> 00:31:52,280
Speaker 1: feel like they they are coming to you for advice.

602
00:31:52,400 --> 00:31:54,600
Speaker 1: Are you trying to like show them the way or

603
00:31:54,640 --> 00:31:57,240
Speaker 1: are you just like, hey, uh, hop on this fire train.

604
00:31:57,280 --> 00:31:59,400
Speaker 1: Don't worry about how we're getting there, but like, come on,

605
00:31:59,480 --> 00:31:59,880
Speaker 1: let's go.

606
00:32:00,480 --> 00:32:03,000
Speaker 2: That's kind of how I did it with my mom,

607
00:32:03,320 --> 00:32:09,040
Speaker 2: you know. She my mom basically was the stereotypical Latina mom,

608
00:32:09,080 --> 00:32:11,320
Speaker 2: where like the man took care of everything, my dad

609
00:32:11,360 --> 00:32:13,080
Speaker 2: took care of all the money in the household. She

610
00:32:13,200 --> 00:32:15,200
Speaker 2: just followed it along. She took care of us, you know,

611
00:32:15,240 --> 00:32:17,880
Speaker 2: that was her job. And so she is just now

612
00:32:17,960 --> 00:32:20,320
Speaker 2: learning about money herself because she now has a business

613
00:32:20,360 --> 00:32:22,600
Speaker 2: in Brazil. She has a little pet shop, and so

614
00:32:22,640 --> 00:32:26,080
Speaker 2: she's learning about money herself. And I send my mom

615
00:32:26,120 --> 00:32:27,920
Speaker 2: money every month. She doesn't have to work if she

616
00:32:27,960 --> 00:32:31,440
Speaker 2: didn't want to, but she likes work. She's the first

617
00:32:31,480 --> 00:32:34,719
Speaker 2: time that she's like independent, So she's stepping into that

618
00:32:34,800 --> 00:32:36,680
Speaker 2: and I want to be encouraging of that. But I

619
00:32:36,680 --> 00:32:38,520
Speaker 2: also want to make sure that my mom's taken care

620
00:32:38,560 --> 00:32:41,000
Speaker 2: of and I tell her, Mom, I could send you

621
00:32:41,120 --> 00:32:44,000
Speaker 2: much more, but I want you to know what the

622
00:32:44,080 --> 00:32:45,800
Speaker 2: plan is so you can see what I'm doing with

623
00:32:45,880 --> 00:32:47,560
Speaker 2: the money. And so I explained to her that I'm

624
00:32:47,600 --> 00:32:49,680
Speaker 2: saving and investing for us, that my plan is for

625
00:32:49,760 --> 00:32:51,520
Speaker 2: us to move to Portugal. What does she think of

626
00:32:51,560 --> 00:32:54,240
Speaker 2: that I would like to buy her a home. She's like, yeah,

627
00:32:54,240 --> 00:32:54,959
Speaker 2: that sounds amazing.

628
00:32:55,960 --> 00:32:58,800
Speaker 1: So I was going down, totally down.

629
00:33:00,400 --> 00:33:03,240
Speaker 2: So that's with my mom. With my sister, it was

630
00:33:03,280 --> 00:33:05,720
Speaker 2: a little different. It took me months to be able

631
00:33:05,760 --> 00:33:08,720
Speaker 2: to show her the power of investing and the stock

632
00:33:08,760 --> 00:33:11,280
Speaker 2: market and everything. And it's funny because I'm like, dude,

633
00:33:11,280 --> 00:33:13,320
Speaker 2: it's easier for me to teach strangers on the internet

634
00:33:13,320 --> 00:33:15,320
Speaker 2: about this stuff than it was with you. And that's

635
00:33:15,400 --> 00:33:18,200
Speaker 2: the you know how it is with family, Right, you're

636
00:33:18,200 --> 00:33:20,120
Speaker 2: gonna approach family, it's always going to be there's going

637
00:33:20,200 --> 00:33:22,640
Speaker 2: to be more skepticism there. But the funny thing is

638
00:33:22,680 --> 00:33:24,560
Speaker 2: that we were both coaching each other because my sister's

639
00:33:24,600 --> 00:33:26,880
Speaker 2: my business coach, and so here I am teaching her

640
00:33:26,920 --> 00:33:29,400
Speaker 2: about money and she's teaching me about business, and so

641
00:33:29,600 --> 00:33:33,720
Speaker 2: we were able to build that symbiotic relationship where now she's

642
00:33:33,760 --> 00:33:36,600
Speaker 2: an investor, she has her solo for one K and everything,

643
00:33:36,640 --> 00:33:40,080
Speaker 2: and she's helped me with my business, so it's worked

644
00:33:40,080 --> 00:33:40,800
Speaker 2: out really well.

645
00:33:41,400 --> 00:33:44,160
Speaker 1: I can think of a less passive thing than running

646
00:33:44,160 --> 00:33:46,760
Speaker 1: a business. Like maybe we can be passive investors, but

647
00:33:46,800 --> 00:33:48,600
Speaker 1: you can't be a passive There's I don't feel like

648
00:33:48,600 --> 00:33:51,400
Speaker 1: there's a They call it passive income, but it's not

649
00:33:51,440 --> 00:33:53,920
Speaker 1: really fair because you, dude, you're doing all of your

650
00:33:53,960 --> 00:33:56,880
Speaker 1: own content. You kill it on the reels and whatever

651
00:33:56,920 --> 00:34:00,640
Speaker 1: the tiktoks that you're doing, and it's like that work

652
00:34:00,840 --> 00:34:04,560
Speaker 1: the amount of time to create the content that ain't passive,

653
00:34:04,720 --> 00:34:07,080
Speaker 1: you know what I mean? What do you feel like

654
00:34:07,120 --> 00:34:09,880
Speaker 1: you're working now more than ever to get to fire

655
00:34:10,040 --> 00:34:12,239
Speaker 1: and it? But is it different because you you know,

656
00:34:12,560 --> 00:34:14,680
Speaker 1: you're enjoying it more. Tell me what the dynamic is

657
00:34:14,719 --> 00:34:15,440
Speaker 1: now for you and work.

658
00:34:15,480 --> 00:34:18,240
Speaker 2: And I'm very again, I'm very transparent about my journey.

659
00:34:19,120 --> 00:34:21,040
Speaker 2: I am not one of those people who was like, oh,

660
00:34:21,080 --> 00:34:22,759
Speaker 2: I was able to do all of the things when

661
00:34:22,719 --> 00:34:24,759
Speaker 2: I launched my business. You know, I still got my

662
00:34:24,840 --> 00:34:26,920
Speaker 2: managers and I still got this and I still got

663
00:34:26,920 --> 00:34:29,600
Speaker 2: to enjoy my life and balance you know, No, okay,

664
00:34:29,640 --> 00:34:32,719
Speaker 2: there was no balance. I basically launched my business at

665
00:34:32,719 --> 00:34:34,880
Speaker 2: the height of the pandemic, we were all locked inside.

666
00:34:35,040 --> 00:34:36,799
Speaker 2: There was no balance in any of our lives. I

667
00:34:36,800 --> 00:34:42,000
Speaker 2: think in that time we were all either being overworked, overstressed, overeating,

668
00:34:42,200 --> 00:34:44,279
Speaker 2: over drinking. We were doing all the things to like

669
00:34:44,400 --> 00:34:47,720
Speaker 2: self soothe, right, And so for me, I threw myself

670
00:34:47,719 --> 00:34:50,520
Speaker 2: into my work. I threw myself into my business and

671
00:34:50,600 --> 00:34:54,759
Speaker 2: so I worked like twelve fourteen hour days, but it

672
00:34:54,800 --> 00:34:58,200
Speaker 2: didn't feel like work because I was, you know, working

673
00:34:58,200 --> 00:35:00,640
Speaker 2: on something creative for the first time in my life.

674
00:35:00,640 --> 00:35:03,120
Speaker 2: Being an attorney is the opposite of being creative. It's

675
00:35:03,239 --> 00:35:06,000
Speaker 2: very rules based, right, It's very like, this is how

676
00:35:06,000 --> 00:35:10,160
Speaker 2: we do this. And so with my business, I got

677
00:35:10,160 --> 00:35:12,120
Speaker 2: to unlock a whole different side of my brain that

678
00:35:12,160 --> 00:35:14,920
Speaker 2: I didn't even know was there, and so I was

679
00:35:14,920 --> 00:35:17,399
Speaker 2: completely consumed with it. I absolutely loved it. And there

680
00:35:17,480 --> 00:35:19,760
Speaker 2: is a lot of front loading when you start a business.

681
00:35:19,800 --> 00:35:21,120
Speaker 2: You are going to do a ton of work in

682
00:35:21,160 --> 00:35:24,799
Speaker 2: the beginning to like rev up and then eventually, if

683
00:35:24,800 --> 00:35:26,520
Speaker 2: you do it right and you have a good coach,

684
00:35:26,560 --> 00:35:29,439
Speaker 2: which I did. She taught me how to build systems right.

685
00:35:29,480 --> 00:35:31,640
Speaker 2: You got to build systems and you have to start

686
00:35:31,640 --> 00:35:35,319
Speaker 2: outsourcing things like if you don't start outsourcing things. If

687
00:35:35,320 --> 00:35:36,680
Speaker 2: you think you can do all of the things on

688
00:35:37,040 --> 00:35:38,600
Speaker 2: your own, you are going to burn out and your

689
00:35:38,600 --> 00:35:41,080
Speaker 2: business won't last very long. And I'm like, I want

690
00:35:41,080 --> 00:35:44,040
Speaker 2: this to be a sustainable business. Now. I work like

691
00:35:44,600 --> 00:35:47,320
Speaker 2: ten twelve hours a week, you know, and most of

692
00:35:47,360 --> 00:35:50,760
Speaker 2: that is creating content and just engaging with my audience

693
00:35:50,800 --> 00:35:52,920
Speaker 2: on Instagram, which is stuff that I loved that I

694
00:35:53,040 --> 00:35:54,719
Speaker 2: used to do for free, so now I get to

695
00:35:54,719 --> 00:35:59,120
Speaker 2: do it as part of my business. So I am

696
00:35:59,200 --> 00:36:01,400
Speaker 2: living like that their type of like do what you

697
00:36:01,480 --> 00:36:03,480
Speaker 2: love and you never feel like you work a day.

698
00:36:05,239 --> 00:36:07,160
Speaker 2: I always thought that would be but it's.

699
00:36:07,040 --> 00:36:09,560
Speaker 1: True, except for all the ramp up. So tell me,

700
00:36:09,600 --> 00:36:11,840
Speaker 1: I'm a baby business owner. I don't know if you

701
00:36:12,400 --> 00:36:16,400
Speaker 1: have followed Brown Ambition, but I launched. Launch sounds like

702
00:36:16,480 --> 00:36:20,200
Speaker 1: such an exciting and you know, a spectacular word, but

703
00:36:20,320 --> 00:36:23,080
Speaker 1: I just you know, I posted on Instagram that I

704
00:36:23,160 --> 00:36:26,720
Speaker 1: was setting up my own business in May or June,

705
00:36:27,239 --> 00:36:30,720
Speaker 1: and tips always kind of dropping little business coaching gyms.

706
00:36:30,760 --> 00:36:33,880
Speaker 1: But you are I feel like, you know, how are

707
00:36:33,960 --> 00:36:35,919
Speaker 1: you so far ahead? But you're not even that far?

708
00:36:36,120 --> 00:36:38,760
Speaker 1: Like you just you just quit your job in March,

709
00:36:38,800 --> 00:36:40,719
Speaker 1: and I'm just I feel like I'm just kind of

710
00:36:40,760 --> 00:36:43,440
Speaker 1: accepting the fact that I'm a you know, entrepreneur now,

711
00:36:43,520 --> 00:36:46,839
Speaker 1: But tell me more, give me more tips. So, yeah,

712
00:36:47,160 --> 00:36:48,840
Speaker 1: what were the things that what are the things that

713
00:36:48,840 --> 00:36:51,400
Speaker 1: you're outsourcing that you feel like have helped your business

714
00:36:51,480 --> 00:36:53,640
Speaker 1: grow and helped you get to a ten hour work week?

715
00:36:54,320 --> 00:36:56,719
Speaker 2: Yeah, I mean, first of all, I got a virtual assistant.

716
00:36:57,680 --> 00:36:59,719
Speaker 2: A virtual assistant. They're in the Philippines. So if you're

717
00:36:59,719 --> 00:37:02,120
Speaker 2: starting out and you want to philip.

718
00:37:03,440 --> 00:37:07,560
Speaker 1: Philippines, they're amazing. Where do you find them through upwork

719
00:37:07,680 --> 00:37:08,120
Speaker 1: or like.

720
00:37:08,520 --> 00:37:13,000
Speaker 2: Yeah, you can find them on fiver on upwork. There's

721
00:37:13,040 --> 00:37:16,560
Speaker 2: a website that's like, I think it's called Online Assistance

722
00:37:16,680 --> 00:37:20,400
Speaker 2: dot pH or something like that. Virtual Assistant dot pH.

723
00:37:20,480 --> 00:37:24,920
Speaker 2: But they are amazing. Do not sleep on Philippine Virtual

724
00:37:24,960 --> 00:37:29,120
Speaker 2: Assistance and so it's a great way to start. Eventually,

725
00:37:29,160 --> 00:37:32,320
Speaker 2: I will need a personal assistant here in the States

726
00:37:32,360 --> 00:37:33,880
Speaker 2: with me so that we can be on the same

727
00:37:34,040 --> 00:37:36,680
Speaker 2: time zone. But right now it's all working out fine.

728
00:37:37,520 --> 00:37:38,239
Speaker 2: But basically, what.

729
00:37:38,280 --> 00:37:42,160
Speaker 1: Is that What is that VA doing that you find helpful?

730
00:37:42,480 --> 00:37:44,040
Speaker 2: Yes, so they're doing a lot of the stuff in

731
00:37:44,080 --> 00:37:46,640
Speaker 2: the background for me. So things that I used to do,

732
00:37:46,880 --> 00:37:52,239
Speaker 2: like when I go do my monthly class, i'd have

733
00:37:52,440 --> 00:37:56,239
Speaker 2: to email the list. I'd have to let everybody know

734
00:37:56,400 --> 00:37:59,640
Speaker 2: when it's happening. Hey, going live. Now i'd have to

735
00:37:59,680 --> 00:38:03,480
Speaker 2: do a tracking of who's buying, when they're buying. I

736
00:38:03,480 --> 00:38:06,440
Speaker 2: have a community that's part of my course, and so

737
00:38:06,520 --> 00:38:09,360
Speaker 2: I need to track who's still part of the community

738
00:38:09,400 --> 00:38:13,280
Speaker 2: and whose community access has expired. They're doing all that tracking.

739
00:38:14,000 --> 00:38:17,720
Speaker 2: They also upload my videos. Whenever I'm done doing my class,

740
00:38:17,719 --> 00:38:20,640
Speaker 2: I have to upload the replay and send that out

741
00:38:20,920 --> 00:38:23,120
Speaker 2: to everybody who attended. I used to do all this

742
00:38:23,160 --> 00:38:25,680
Speaker 2: stuff manually, so I'd be done with my class and

743
00:38:25,680 --> 00:38:28,200
Speaker 2: then I would spend another two three hours on my computer,

744
00:38:28,360 --> 00:38:33,480
Speaker 2: like finalizing everything, uploading videos, editing videos to send that out.

745
00:38:33,560 --> 00:38:36,040
Speaker 2: And now I literally just turn off my computer and

746
00:38:36,080 --> 00:38:38,680
Speaker 2: I can go have a drink, you know, And they

747
00:38:38,719 --> 00:38:43,120
Speaker 2: take care of everything like that. So that's something major

748
00:38:43,160 --> 00:38:45,560
Speaker 2: that they do. They met. She manages my community where

749
00:38:45,560 --> 00:38:49,040
Speaker 2: people's submit questions, so she collects all those questions for me,

750
00:38:49,080 --> 00:38:50,200
Speaker 2: so at the end of the day, it's all like

751
00:38:50,239 --> 00:38:52,520
Speaker 2: in a spreadsheet. I can just go in and like

752
00:38:53,239 --> 00:38:56,719
Speaker 2: answer them. I coach my students two times a month,

753
00:38:57,480 --> 00:38:59,560
Speaker 2: and I want to take it to the next level though,

754
00:38:59,560 --> 00:39:01,880
Speaker 2: where I have an assistant also in my inbox, like

755
00:39:02,040 --> 00:39:06,160
Speaker 2: answering my email, scheduling my press calls, talking to people

756
00:39:06,200 --> 00:39:09,320
Speaker 2: about collaborations, Like I'm still doing all of that myself,

757
00:39:09,920 --> 00:39:12,120
Speaker 2: managing my email, but that's going to be the next level.

758
00:39:12,160 --> 00:39:14,080
Speaker 2: The one thing that I don't think I'll ever outsource

759
00:39:14,200 --> 00:39:17,680
Speaker 2: is my social media content. Like that's my face. Obviously

760
00:39:17,719 --> 00:39:20,680
Speaker 2: I need to be present. That's the way I connect

761
00:39:20,719 --> 00:39:22,920
Speaker 2: with my audience. I write all my own captions, I

762
00:39:22,960 --> 00:39:25,760
Speaker 2: create all my own social media, but I have hired

763
00:39:25,760 --> 00:39:28,759
Speaker 2: a team to actually like post everything, so I don't

764
00:39:28,760 --> 00:39:31,000
Speaker 2: have to sit there and post things anymore. Like I

765
00:39:31,040 --> 00:39:33,319
Speaker 2: have somebody doing them, making sure everything's going through. If

766
00:39:33,320 --> 00:39:35,960
Speaker 2: there's any glitches on Instagram, they take care of it.

767
00:39:36,400 --> 00:39:38,840
Speaker 2: So I create all of the creative but I have

768
00:39:38,960 --> 00:39:42,719
Speaker 2: people doing like the execution part of it. And you think, like,

769
00:39:42,760 --> 00:39:45,239
Speaker 2: what's the big deal, Like posting something on Instagram takes

770
00:39:45,239 --> 00:39:47,359
Speaker 2: two minutes. It doesn't. It takes time.

771
00:39:48,719 --> 00:39:51,279
Speaker 1: You who are you telling? And with TikTok too, are

772
00:39:51,280 --> 00:39:53,680
Speaker 1: you on TikTok? Are you TikTok? Are you the realst girl?

773
00:39:53,960 --> 00:39:56,360
Speaker 2: No? I have two hundred thousand followers on TikTok.

774
00:39:56,640 --> 00:39:58,960
Speaker 1: Oh shit, Okay, Yes, I feel like I said most

775
00:39:58,960 --> 00:40:01,759
Speaker 1: of your content ig on ig because TikTok knows me

776
00:40:01,800 --> 00:40:03,880
Speaker 1: too well and all they do is serve me. Plant content,

777
00:40:04,280 --> 00:40:11,359
Speaker 1: plants and TLC doctor pimple popper content. Love it, Yes, well,

778
00:40:11,400 --> 00:40:12,840
Speaker 1: I love that you're doing your own thing. And I

779
00:40:12,880 --> 00:40:16,000
Speaker 1: think it's all about what you enjoy doing right, And

780
00:40:16,040 --> 00:40:18,800
Speaker 1: I think it's doing the work that you enjoy at

781
00:40:18,840 --> 00:40:20,680
Speaker 1: the parts of your job that you enjoy doing that

782
00:40:20,760 --> 00:40:23,480
Speaker 1: and doing it unapologetically because I've heard, well, you've got

783
00:40:23,520 --> 00:40:25,120
Speaker 1: to outsource your social and you've got to do this,

784
00:40:25,200 --> 00:40:27,600
Speaker 1: and you've got to you know, outsource writing, you know,

785
00:40:27,640 --> 00:40:30,239
Speaker 1: your articles. I would never have someone ghostwrite for me.

786
00:40:30,280 --> 00:40:33,439
Speaker 1: I just I have done it, and I've I've had

787
00:40:33,440 --> 00:40:36,320
Speaker 1: writers who or have people who have things ghosts written.

788
00:40:36,440 --> 00:40:38,799
Speaker 1: I don't know. I can't even I'm trying. I have

789
00:40:38,840 --> 00:40:41,480
Speaker 1: an admin she tried to write an email and even that,

790
00:40:41,560 --> 00:40:42,880
Speaker 1: I'm like, oh no, no, no, this is how I

791
00:40:42,920 --> 00:40:44,960
Speaker 1: would say it, Like I have a particular way of

792
00:40:45,000 --> 00:40:47,399
Speaker 1: talking and speaking, and I'm like, maybe this isn't something

793
00:40:47,440 --> 00:40:50,160
Speaker 1: I can outsource. But so I appreciate that it's about

794
00:40:50,760 --> 00:40:53,120
Speaker 1: you know, but there's some things that I at least

795
00:40:53,160 --> 00:40:56,239
Speaker 1: can identify that I don't you know that don't need

796
00:40:56,280 --> 00:40:59,840
Speaker 1: the magic Mandy touch or the magic flair you know,

797
00:41:00,080 --> 00:41:02,760
Speaker 1: or it's not even magic, just you know that personality,

798
00:41:03,360 --> 00:41:05,560
Speaker 1: which at the end of the day, is how you're

799
00:41:05,560 --> 00:41:09,120
Speaker 1: connecting to your community, right it's through they come to

800
00:41:09,200 --> 00:41:13,320
Speaker 1: see you specifically talking about the topic that you're talking

801
00:41:13,400 --> 00:41:16,640
Speaker 1: and using your point of view. How do you feel like,

802
00:41:17,040 --> 00:41:18,680
Speaker 1: I mean, you're such a strong I mean, you're a

803
00:41:18,680 --> 00:41:22,319
Speaker 1: strong woman with a strong point of view. I feel

804
00:41:22,360 --> 00:41:24,520
Speaker 1: like it took me even longer to get to a

805
00:41:24,560 --> 00:41:26,759
Speaker 1: place because my backgrounds in journalism. I was in the

806
00:41:26,800 --> 00:41:31,600
Speaker 1: background interviewing the Delhians and the Tiffany's and learning a ton.

807
00:41:32,000 --> 00:41:34,960
Speaker 1: But it wasn't until the last year where I kind

808
00:41:35,000 --> 00:41:36,680
Speaker 1: of stood up and said, you know, I have a

809
00:41:36,719 --> 00:41:41,680
Speaker 1: point of view. I have thoughts, I have I have ideas.

810
00:41:42,000 --> 00:41:44,480
Speaker 1: I do have opinions and strong ones at that about

811
00:41:44,480 --> 00:41:47,000
Speaker 1: how you know you manage your finances in your career

812
00:41:47,000 --> 00:41:49,320
Speaker 1: and all of that. Where do you think that confidence

813
00:41:49,360 --> 00:41:53,480
Speaker 1: came from for you? Because I admire it a lot.

814
00:41:53,960 --> 00:41:58,160
Speaker 2: Thank you. I think I've always been very focused in

815
00:41:58,160 --> 00:42:01,160
Speaker 2: my life. Well, I you know, don't put yourself through

816
00:42:01,200 --> 00:42:04,280
Speaker 2: law school by yourself and pay off one hundred thousand

817
00:42:04,239 --> 00:42:06,759
Speaker 2: dollars student loans when you don't have like a ton

818
00:42:06,760 --> 00:42:09,359
Speaker 2: of focus. So I've always been a very focused person

819
00:42:09,360 --> 00:42:13,120
Speaker 2: in my life. But that being said, I always credit

820
00:42:13,160 --> 00:42:17,080
Speaker 2: my sister with helping me find my voice. Because when

821
00:42:17,080 --> 00:42:18,799
Speaker 2: I first started my business, I'm like, should I talk

822
00:42:18,800 --> 00:42:21,879
Speaker 2: about paying off debt? Should I talk about building credit?

823
00:42:21,960 --> 00:42:24,279
Speaker 2: Should I talk about investing? I was trying to go

824
00:42:24,320 --> 00:42:28,320
Speaker 2: all different directions. She's like, you can't be something for everyone.

825
00:42:28,440 --> 00:42:30,000
Speaker 2: She's like, no one's going to listen to you if

826
00:42:30,000 --> 00:42:33,560
Speaker 2: you try to serve too many people. Who can you

827
00:42:33,640 --> 00:42:35,600
Speaker 2: serve the best? And what are you going to enjoy

828
00:42:35,640 --> 00:42:38,600
Speaker 2: the most? And let's double down on that. And so

829
00:42:39,239 --> 00:42:42,080
Speaker 2: when I realized that, yes, payoff debt is super important,

830
00:42:42,160 --> 00:42:44,560
Speaker 2: managing money is super important. But the thing that I

831
00:42:44,600 --> 00:42:46,719
Speaker 2: was feeling the most passionate and fired up about, no

832
00:42:46,800 --> 00:42:50,400
Speaker 2: pun intended, was financial depenance. Right. It was the journey

833
00:42:50,400 --> 00:42:55,560
Speaker 2: that I myself was personally going on, and I'm like, gosh,

834
00:42:55,560 --> 00:42:57,439
Speaker 2: I really want to bring people with me. I don't

835
00:42:57,440 --> 00:42:59,480
Speaker 2: want to, you know, be alone in this journey. I

836
00:42:59,480 --> 00:43:02,279
Speaker 2: always also felt kind of alone when I started, and

837
00:43:02,360 --> 00:43:04,719
Speaker 2: so it was, you know, from a selfish blaze of

838
00:43:04,800 --> 00:43:07,200
Speaker 2: like not wanting to be by myself and wanting to share,

839
00:43:07,880 --> 00:43:11,799
Speaker 2: and it's what I was educating and consuming at the moment.

840
00:43:11,880 --> 00:43:16,279
Speaker 2: I was just reading everything I could touch about this subject.

841
00:43:16,440 --> 00:43:18,560
Speaker 2: And so my sister, you know, was like, well, let's

842
00:43:18,600 --> 00:43:21,800
Speaker 2: do that. Let's focus on financial independence, let's focus on investing.

843
00:43:21,840 --> 00:43:24,040
Speaker 2: This is what you're you know, it seems to be

844
00:43:24,200 --> 00:43:27,239
Speaker 2: like your passion project, and let's grow from there. And

845
00:43:27,280 --> 00:43:30,480
Speaker 2: so having that direction helped to like clear out a

846
00:43:30,520 --> 00:43:32,440
Speaker 2: lot of noise, and I didn't waste a lot of

847
00:43:32,440 --> 00:43:35,520
Speaker 2: time because I think with the new entrepreneurs, unfortunately, finding

848
00:43:35,560 --> 00:43:40,000
Speaker 2: your voice is something where a lot of your like

849
00:43:40,080 --> 00:43:42,480
Speaker 2: that initial rev up, that initial oh my god, I'm

850
00:43:42,480 --> 00:43:45,040
Speaker 2: so motivated, I'm feeling so passionate. You can waste a

851
00:43:45,080 --> 00:43:48,719
Speaker 2: lot of that good energy just finding your niche. And

852
00:43:48,800 --> 00:43:50,760
Speaker 2: so if you can kind of clear through that pretty

853
00:43:50,840 --> 00:43:53,000
Speaker 2: quickly and just get to the point where you're like

854
00:43:53,440 --> 00:43:55,600
Speaker 2: launching your offer, like what is it that you're going

855
00:43:55,640 --> 00:43:59,239
Speaker 2: to sell? Just sell it, you will save a lot

856
00:43:59,280 --> 00:44:02,279
Speaker 2: of headaches, right, And what I always tell people is like,

857
00:44:02,280 --> 00:44:04,600
Speaker 2: don't worry about the branding. It doesn't matter what your

858
00:44:04,600 --> 00:44:06,960
Speaker 2: colors are, It doesn't matter what kind of website you have.

859
00:44:07,360 --> 00:44:10,160
Speaker 2: I did not just launch a website. I launched my

860
00:44:10,160 --> 00:44:13,080
Speaker 2: website two months ago. So I hit a million dollars

861
00:44:13,120 --> 00:44:15,160
Speaker 2: in revenue in my business without a website.

862
00:44:15,880 --> 00:44:17,840
Speaker 1: Wow, okay, you don't need a website.

863
00:44:17,920 --> 00:44:20,920
Speaker 2: So you need a landing page to sell your product.

864
00:44:21,480 --> 00:44:22,000
Speaker 2: That's it.

865
00:44:22,520 --> 00:44:26,320
Speaker 1: Yeah, so let's talk about that product. Because so you've learned,

866
00:44:26,560 --> 00:44:29,440
Speaker 1: You've learned the stock market? What is it that? So

867
00:44:29,520 --> 00:44:33,359
Speaker 1: you have a course, you have a community what? So? Yeah,

868
00:44:33,480 --> 00:44:36,240
Speaker 1: tell the BA audience where they can find your content

869
00:44:36,280 --> 00:44:37,759
Speaker 1: and what they can expect when they do.

870
00:44:38,440 --> 00:44:41,439
Speaker 2: Sure. So I launched Slay the stock Market a year ago.

871
00:44:41,560 --> 00:44:44,560
Speaker 2: Actually it was exactly September a year ago, and I

872
00:44:44,640 --> 00:44:47,520
Speaker 2: reached her class. I think you. I've taught the class

873
00:44:47,600 --> 00:44:51,440
Speaker 2: live to ten people, and I was ecstatic because I'm like,

874
00:44:51,440 --> 00:44:53,040
Speaker 2: oh my god, I can't believe ten people showed up

875
00:44:53,040 --> 00:44:56,279
Speaker 2: for this. Amazing. And so I took all of that

876
00:44:56,400 --> 00:44:59,640
Speaker 2: content that I created for that class and then I

877
00:44:59,680 --> 00:45:01,720
Speaker 2: message just like, well, let's turn this into a course.

878
00:45:01,840 --> 00:45:03,080
Speaker 2: You know, like you did it. You did all the

879
00:45:03,120 --> 00:45:05,680
Speaker 2: heavy lifting. You taught it, you created it, Let's turn

880
00:45:05,719 --> 00:45:09,480
Speaker 2: it into a course. And so I you know, packaged

881
00:45:09,520 --> 00:45:11,879
Speaker 2: it in a in a digital way where people can

882
00:45:11,960 --> 00:45:15,080
Speaker 2: like purchase it altogether. And so now it's a digital

883
00:45:15,120 --> 00:45:17,000
Speaker 2: course that you can purchase, you can watch at your

884
00:45:17,000 --> 00:45:21,360
Speaker 2: own pace, and coupled with access to me with you know,

885
00:45:21,480 --> 00:45:23,799
Speaker 2: group coaching. So I go live twice a month and

886
00:45:23,840 --> 00:45:26,960
Speaker 2: I answer questions and I guide people through the material.

887
00:45:27,400 --> 00:45:30,719
Speaker 2: And so that combination of those two things is basically

888
00:45:30,840 --> 00:45:35,480
Speaker 2: you know, the product, and that's what I've been selling.

889
00:45:35,600 --> 00:45:38,239
Speaker 2: That's the only offer I have. I have no other products.

890
00:45:38,440 --> 00:45:38,840
Speaker 2: This is it.

891
00:45:38,880 --> 00:45:42,840
Speaker 1: Okay, there's no Delian t shirt, no Delian tote bag.

892
00:45:43,520 --> 00:45:48,319
Speaker 2: Nope, there's nothing else. So that's another misconception. People are like, oh,

893
00:45:48,360 --> 00:45:51,800
Speaker 2: I need multiple products, you know, to have a successful business.

894
00:45:51,880 --> 00:45:54,360
Speaker 2: Let me do this, let me do that. I barely

895
00:45:54,480 --> 00:45:58,040
Speaker 2: do sponsored content. I don't even like doing sponsored ads,

896
00:45:58,600 --> 00:46:01,480
Speaker 2: all right, I don't like it. I'm very picky with it.

897
00:46:01,520 --> 00:46:04,759
Speaker 2: I've done maybe six or seven collaborations total in the

898
00:46:04,880 --> 00:46:08,120
Speaker 2: entire time that I've been in business. So for me,

899
00:46:08,360 --> 00:46:11,040
Speaker 2: I'm very picky about what I you know, who I

900
00:46:11,080 --> 00:46:16,240
Speaker 2: collaborate with. And but that's it. The ninety five percent

901
00:46:16,280 --> 00:46:17,640
Speaker 2: of the money that I've made in my business has

902
00:46:17,640 --> 00:46:19,560
Speaker 2: come from my course. The other five percent has come

903
00:46:19,560 --> 00:46:24,399
Speaker 2: from a few sponsorships and from speak engagements. I do

904
00:46:24,400 --> 00:46:27,200
Speaker 2: do workshops like corporate workshops, so I've done one for Google.

905
00:46:27,400 --> 00:46:30,719
Speaker 2: I've done one for Hubble, so I do do that

906
00:46:30,760 --> 00:46:32,759
Speaker 2: as well, but the bulk of it has come from

907
00:46:32,800 --> 00:46:33,520
Speaker 2: this course.

908
00:46:34,320 --> 00:46:36,920
Speaker 1: That's exciting. So I mean, how do you keep that

909
00:46:36,960 --> 00:46:39,919
Speaker 1: fresh and engaging for yourself? Like? Do you It's only

910
00:46:39,960 --> 00:46:42,120
Speaker 1: been a year, and again I'm not trying, Like you know,

911
00:46:42,200 --> 00:46:45,520
Speaker 1: I'm not listen. I have one baby and already people'

912
00:46:45,719 --> 00:46:48,279
Speaker 1: he's about to turn two. And just this morning, I'm

913
00:46:48,320 --> 00:46:51,239
Speaker 1: my mom was calling and she's like, no, no, it's

914
00:46:51,280 --> 00:46:55,760
Speaker 1: never that direct. It's always like today. It was today

915
00:46:55,800 --> 00:46:57,799
Speaker 1: it was I don't know, man, how are you going

916
00:46:57,880 --> 00:46:59,279
Speaker 1: to top this kid? I'm like, what do you mean?

917
00:46:59,320 --> 00:47:00,239
Speaker 1: How am I going to top them?

918
00:47:00,280 --> 00:47:00,440
Speaker 2: Well?

919
00:47:00,440 --> 00:47:02,359
Speaker 1: When you know it's going to be a tough act

920
00:47:02,400 --> 00:47:04,840
Speaker 1: to follow when you have the next And I'm like, babe,

921
00:47:04,960 --> 00:47:07,160
Speaker 1: I don't know, Just like I can't. I'm on the

922
00:47:07,160 --> 00:47:08,560
Speaker 1: way at the grocery store. I don't want to talk

923
00:47:08,560 --> 00:47:12,960
Speaker 1: about right now, disconnected, Sorry, but when you think about

924
00:47:13,200 --> 00:47:16,920
Speaker 1: you're so passionate and especially about educating Latinas in this community,

925
00:47:17,360 --> 00:47:19,920
Speaker 1: what do you think is next? Is there a next level?

926
00:47:19,960 --> 00:47:21,920
Speaker 1: Is there something else that you want people to learn

927
00:47:21,920 --> 00:47:23,520
Speaker 1: about that you're equally passionate about.

928
00:47:24,400 --> 00:47:26,680
Speaker 2: I mean, now that I have launched the business from

929
00:47:26,719 --> 00:47:29,239
Speaker 2: beginning to end, right, I feel like the next progression

930
00:47:29,400 --> 00:47:34,200
Speaker 2: is helping people to understand social media better because I

931
00:47:34,239 --> 00:47:37,680
Speaker 2: absolutely love it, and I'm now noticing that people do

932
00:47:37,719 --> 00:47:41,680
Speaker 2: struggle with creating content and creating social media and understanding,

933
00:47:42,080 --> 00:47:44,839
Speaker 2: you know, how to create engaging content. For me, it's

934
00:47:44,840 --> 00:47:47,080
Speaker 2: something that comes really natural to me. Again, I think

935
00:47:47,080 --> 00:47:50,839
Speaker 2: we tend to downplay our gifts because because something comes

936
00:47:50,920 --> 00:47:53,280
Speaker 2: naturally to you doesn't mean that it doesn't have value

937
00:47:53,320 --> 00:47:56,279
Speaker 2: of you teaching it to someone else. And so that's

938
00:47:56,320 --> 00:47:58,640
Speaker 2: something that I've done my whole life, is like, oh,

939
00:47:58,680 --> 00:48:00,840
Speaker 2: I understand this, so everybody else must too, and you

940
00:48:00,920 --> 00:48:05,000
Speaker 2: just assume, right. So I'm learning to like not do that,

941
00:48:05,560 --> 00:48:07,680
Speaker 2: but I think learning, you know, teaching people how to

942
00:48:07,719 --> 00:48:11,799
Speaker 2: grow on Instagram, on TikTok and and launch their own businesses.

943
00:48:12,320 --> 00:48:14,200
Speaker 2: I think that will probably be the next progression because

944
00:48:14,200 --> 00:48:18,200
Speaker 2: I get business questions all the time, and so I

945
00:48:18,280 --> 00:48:20,400
Speaker 2: love talking about that just as much as investing. So

946
00:48:20,440 --> 00:48:23,880
Speaker 2: that would probably be the next product, but not for

947
00:48:23,920 --> 00:48:27,480
Speaker 2: a while. I'm like, I just feel like with investing,

948
00:48:27,880 --> 00:48:29,680
Speaker 2: it's incredible to me that people try to do so

949
00:48:29,800 --> 00:48:31,799
Speaker 2: much when it comes to the personal finance base because

950
00:48:31,840 --> 00:48:35,520
Speaker 2: I'm like, how I learned something new about investing every day,

951
00:48:36,160 --> 00:48:38,120
Speaker 2: So you know when people are like, oh, why don't

952
00:48:38,120 --> 00:48:39,680
Speaker 2: you branch out into this? Why didn't you branch out

953
00:48:39,680 --> 00:48:43,320
Speaker 2: into this? And I'm like, I feel like I am deeply,

954
00:48:43,840 --> 00:48:47,360
Speaker 2: you know, involved in investing because it's like there's constantly

955
00:48:47,400 --> 00:48:50,920
Speaker 2: new laws coming out, new regulations, just like just like

956
00:48:50,960 --> 00:48:53,080
Speaker 2: employment law. When I was an employment attorney, I'm like,

957
00:48:53,120 --> 00:48:55,319
Speaker 2: I couldn't imagine doing any other kind of law because

958
00:48:55,320 --> 00:48:59,240
Speaker 2: there's constantly new case law coming out and keeping things fresh.

959
00:48:59,320 --> 00:49:01,640
Speaker 2: And that's how I'm thing is. I mean, Biden is

960
00:49:01,680 --> 00:49:03,799
Speaker 2: about to pass a ton of new laws that's going

961
00:49:03,880 --> 00:49:07,399
Speaker 2: to change the game, So I feel like that keeps

962
00:49:07,400 --> 00:49:08,840
Speaker 2: things really fresh and interesting.

963
00:49:09,520 --> 00:49:12,279
Speaker 1: Yeah, and tax codes too. I've never cared so much

964
00:49:12,280 --> 00:49:17,080
Speaker 1: about the tax code until so much. Yes, God, I

965
00:49:17,160 --> 00:49:18,759
Speaker 1: wish I could keep talking to you and asking you

966
00:49:18,800 --> 00:49:21,759
Speaker 1: a million questions, but I do want to get to

967
00:49:22,000 --> 00:49:24,000
Speaker 1: y'all's questions. You know, you got to tune in for

968
00:49:24,000 --> 00:49:26,000
Speaker 1: our B a Q and A show on Fridays. But

969
00:49:26,600 --> 00:49:29,480
Speaker 1: let me let me close with this. I mean, because

970
00:49:29,520 --> 00:49:32,440
Speaker 1: I think just from the outside looking at obviously, it

971
00:49:32,520 --> 00:49:34,920
Speaker 1: seems like Delianne, you just got here and you're already

972
00:49:35,000 --> 00:49:37,680
Speaker 1: killing the game. And you know, I'm learning a lot

973
00:49:37,719 --> 00:49:39,799
Speaker 1: just from watching you, and I'm I'm just loving it

974
00:49:39,840 --> 00:49:42,600
Speaker 1: because it feels like there's more people at the cookout now.

975
00:49:42,640 --> 00:49:44,279
Speaker 1: It's just it's a party, you know what I mean,

976
00:49:44,360 --> 00:49:48,760
Speaker 1: Like there's just more voices, and I just I really

977
00:49:48,800 --> 00:49:52,600
Speaker 1: relate to your content as well. What makes you proudest

978
00:49:53,120 --> 00:49:56,240
Speaker 1: about your platform and the work that you're doing now

979
00:49:56,320 --> 00:49:58,920
Speaker 1: thinking about where you've come from and where you are now,

980
00:49:58,920 --> 00:50:02,200
Speaker 1: I mean, what what brings you the most story? And

981
00:50:02,200 --> 00:50:04,359
Speaker 1: you're like, yeah, I did the damn thing.

982
00:50:05,080 --> 00:50:08,160
Speaker 2: Yeah, I am just so proud that I'm opening the

983
00:50:08,239 --> 00:50:10,560
Speaker 2: door for so many people to think about money in

984
00:50:10,600 --> 00:50:13,719
Speaker 2: a different way. I've been approached by so many people saying,

985
00:50:13,719 --> 00:50:16,520
Speaker 2: you know, I've heard other people talk about this, talk

986
00:50:16,560 --> 00:50:19,320
Speaker 2: about investing in the stock market, but I didn't trust them,

987
00:50:19,600 --> 00:50:22,799
Speaker 2: and I trust you, and I take that really seriously.

988
00:50:22,920 --> 00:50:26,640
Speaker 2: I'm like, wow, like having somebody's trust. I don't take

989
00:50:26,640 --> 00:50:28,920
Speaker 2: that lightly, you know. And so I don't know if

990
00:50:28,920 --> 00:50:30,960
Speaker 2: that's from me being an attorney or it's just you know,

991
00:50:31,000 --> 00:50:33,239
Speaker 2: hopefully I could say it's part of my character and

992
00:50:33,280 --> 00:50:37,879
Speaker 2: my integrity, but I take that really seriously. I think

993
00:50:37,880 --> 00:50:40,399
Speaker 2: that I'm out there representing our community, and I try

994
00:50:40,440 --> 00:50:44,400
Speaker 2: to do it, you know, with nobility and with honesty.

995
00:50:44,480 --> 00:50:47,200
Speaker 2: And I always try to tell my audience like, I'm

996
00:50:47,239 --> 00:50:49,600
Speaker 2: trying to be as transparent as possible. Probably a little

997
00:50:49,640 --> 00:50:51,279
Speaker 2: too much. My mom's like, do you need to be

998
00:50:51,400 --> 00:50:55,440
Speaker 2: as transparent? Yeah, some people are a little concerned. But

999
00:50:56,480 --> 00:50:58,759
Speaker 2: I'm really proud of the movement that I'm seeing in

1000
00:50:58,800 --> 00:51:01,000
Speaker 2: the Latino community because I think for a long time

1001
00:51:01,040 --> 00:51:04,200
Speaker 2: we have been fearful of the financial industry with cause

1002
00:51:04,680 --> 00:51:09,120
Speaker 2: like we have been we have been targeted, we have

1003
00:51:09,200 --> 00:51:12,280
Speaker 2: been abused, we have been neglected by the financial community,

1004
00:51:12,680 --> 00:51:15,799
Speaker 2: and so I feel like I'm trying to bridge some

1005
00:51:15,960 --> 00:51:18,880
Speaker 2: of that gap. And I think I'm you know, making

1006
00:51:18,880 --> 00:51:21,560
Speaker 2: my own little dent in a way. And so whenever

1007
00:51:21,680 --> 00:51:24,840
Speaker 2: I do meet a new Latino Latina who is like, dude,

1008
00:51:24,880 --> 00:51:26,839
Speaker 2: I started investing because of you. Thank you so much

1009
00:51:26,840 --> 00:51:29,439
Speaker 2: for everything that you did. That is that's a huge,

1010
00:51:29,520 --> 00:51:35,880
Speaker 2: huge compliment, and I am honored that anybody is using

1011
00:51:35,960 --> 00:51:39,480
Speaker 2: my content to change their life. It's amazing.

1012
00:51:40,560 --> 00:51:43,160
Speaker 1: I love that I lied, though, I have another question.

1013
00:51:43,400 --> 00:51:47,200
Speaker 1: I can't stop thinking about what an extraordinary story you

1014
00:51:47,239 --> 00:51:50,239
Speaker 1: have and the fact that you got citizenship just how

1015
00:51:50,280 --> 00:51:51,799
Speaker 1: many years ago? Four or five years ago?

1016
00:51:51,920 --> 00:51:57,680
Speaker 2: Yeah, I became a citizen in twenty fifteen, so right

1017
00:51:57,719 --> 00:52:01,680
Speaker 2: before the presidential so the Trump was that my first time.

1018
00:52:04,800 --> 00:52:08,160
Speaker 1: I wanted to ask, what's your relationship? I'm still figuring

1019
00:52:08,200 --> 00:52:10,920
Speaker 1: out and I you know, I feel like Michelle Obama,

1020
00:52:11,040 --> 00:52:13,640
Speaker 1: she got into some hot water. I'm not at all

1021
00:52:13,719 --> 00:52:18,120
Speaker 1: Michelle Obama's level, but whenever anybody tries to be a

1022
00:52:18,160 --> 00:52:20,280
Speaker 1: tiny bit critical of our country, I feel like people

1023
00:52:20,320 --> 00:52:22,520
Speaker 1: get really upset about it. But you know what, Hey,

1024
00:52:22,800 --> 00:52:25,680
Speaker 1: you like your families. I feel like the country is

1025
00:52:25,719 --> 00:52:27,640
Speaker 1: my family, so I can be a little critical. You know,

1026
00:52:27,840 --> 00:52:29,560
Speaker 1: it's Thanksgiving and you come over and it's like, oh,

1027
00:52:29,640 --> 00:52:31,719
Speaker 1: did you gain weight? Like we can say that, but

1028
00:52:32,000 --> 00:52:34,520
Speaker 1: what is your relationship like with this country? Now? I

1029
00:52:34,520 --> 00:52:37,440
Speaker 1: mean you you came here undocumented at eight years old.

1030
00:52:37,520 --> 00:52:41,440
Speaker 1: You're from Brazil, you you kill yourself in school to

1031
00:52:41,640 --> 00:52:44,200
Speaker 1: become an attorney. You get saddled with six figure debt

1032
00:52:44,239 --> 00:52:46,239
Speaker 1: and by the way, got no financial aid because you

1033
00:52:46,239 --> 00:52:51,000
Speaker 1: weren't you know, a citizen. You you pay that debt off.

1034
00:52:51,120 --> 00:52:55,080
Speaker 1: Now you're teaching people to be stock market investors and

1035
00:52:55,120 --> 00:52:59,400
Speaker 1: empowering women and in the Latin X community, how do

1036
00:52:59,440 --> 00:53:03,000
Speaker 1: you feel about this country? And you're about to leave us?

1037
00:53:03,000 --> 00:53:04,680
Speaker 1: And I'm kind of like, well, damn, we're losing a

1038
00:53:04,680 --> 00:53:07,400
Speaker 1: good one. But how has that changed? How has your

1039
00:53:07,400 --> 00:53:08,840
Speaker 1: relationship change with America?

1040
00:53:09,320 --> 00:53:12,399
Speaker 2: Yeah? I mean it's always going to be complex, right,

1041
00:53:12,480 --> 00:53:14,560
Speaker 2: And I think the most beautiful thing about where we

1042
00:53:14,600 --> 00:53:17,920
Speaker 2: live is the fact that just because I'm proud to

1043
00:53:18,000 --> 00:53:20,400
Speaker 2: be here and I fought really hard to become an

1044
00:53:20,400 --> 00:53:23,440
Speaker 2: American citizen and I'm so glad i am, that doesn't

1045
00:53:23,480 --> 00:53:26,440
Speaker 2: mean that I don't have a right to criticize my

1046
00:53:26,560 --> 00:53:29,839
Speaker 2: country like I have every right and I do. You know,

1047
00:53:30,040 --> 00:53:32,759
Speaker 2: I tell people all the time that capitalism is a

1048
00:53:32,840 --> 00:53:36,600
Speaker 2: problematic system, right, but we can't just opt out of it.

1049
00:53:37,040 --> 00:53:40,719
Speaker 2: So this idea of like, oh, capitalism, you know, is

1050
00:53:41,360 --> 00:53:43,719
Speaker 2: the core of everything. It's the reason why we're in

1051
00:53:43,840 --> 00:53:45,759
Speaker 2: the trouble that we are, So you shouldn't invest, you

1052
00:53:45,800 --> 00:53:48,520
Speaker 2: shouldn't put your money in these companies because that's part

1053
00:53:48,520 --> 00:53:50,440
Speaker 2: of the problem. And I'm like, that's not going to

1054
00:53:50,480 --> 00:53:53,440
Speaker 2: solve the problem. Like taking yourself out of the room,

1055
00:53:53,880 --> 00:53:56,239
Speaker 2: giving up your seat at the table is not going

1056
00:53:56,280 --> 00:53:58,440
Speaker 2: to solve the problem. If anything, I want more seats

1057
00:53:58,480 --> 00:54:00,000
Speaker 2: at the table. I want more voices at the time

1058
00:54:00,560 --> 00:54:03,439
Speaker 2: so that we can change the conversation. So that's how

1059
00:54:03,480 --> 00:54:05,719
Speaker 2: I see it. I see it as like money is

1060
00:54:05,760 --> 00:54:07,759
Speaker 2: going to give us a voice, because that is what

1061
00:54:08,239 --> 00:54:12,279
Speaker 2: is the loudest in this country, is money, and it's

1062
00:54:12,320 --> 00:54:14,640
Speaker 2: going to give us an opportunity to like say what's

1063
00:54:14,640 --> 00:54:17,319
Speaker 2: important to us, right, like, especially for Latinos, like we

1064
00:54:17,360 --> 00:54:20,640
Speaker 2: are such a force in this country, so we have

1065
00:54:20,800 --> 00:54:26,239
Speaker 2: to come together and show our voice. So for me, yeah,

1066
00:54:26,239 --> 00:54:28,640
Speaker 2: it's always going to be a complicated relationship with America,

1067
00:54:28,960 --> 00:54:31,799
Speaker 2: especially you know, going through the immigration process like I did.

1068
00:54:32,320 --> 00:54:36,560
Speaker 2: But I will never deny that my life is one

1069
00:54:36,640 --> 00:54:39,160
Speaker 2: hundred times better living here than it would have it

1070
00:54:39,160 --> 00:54:41,560
Speaker 2: would have been if I had stayed in Brazil. For sure.

1071
00:54:41,840 --> 00:54:45,320
Speaker 2: If I had been in Brazil, I think, yeah, my

1072
00:54:45,360 --> 00:54:47,279
Speaker 2: life would have been completely different. I probably would have

1073
00:54:47,400 --> 00:54:49,920
Speaker 2: like three or four kids. By now, this is literally

1074
00:54:50,160 --> 00:54:51,719
Speaker 2: the life that my cousins are living. They all have

1075
00:54:51,760 --> 00:54:54,480
Speaker 2: three or four kids, their stay at home moms. Not

1076
00:54:54,520 --> 00:54:57,080
Speaker 2: if there's anything wrong with that life, but it wasn't

1077
00:54:57,080 --> 00:54:59,600
Speaker 2: the life that I feel like I was, you know,

1078
00:54:59,760 --> 00:55:02,120
Speaker 2: dea to live. It would have just been the life

1079
00:55:02,120 --> 00:55:04,719
Speaker 2: that you live because of the situation that you're in,

1080
00:55:04,920 --> 00:55:06,759
Speaker 2: Like you, I would have been stripped of any other

1081
00:55:06,880 --> 00:55:11,799
Speaker 2: choices basically, So I'll never deny the opportunities that I've

1082
00:55:11,840 --> 00:55:13,920
Speaker 2: been given here. But that doesn't mean that there aren't

1083
00:55:14,080 --> 00:55:16,480
Speaker 2: points valid points to criticize.

1084
00:55:17,200 --> 00:55:20,960
Speaker 1: Yeah, and I feel like you even deserve more opportunities

1085
00:55:20,960 --> 00:55:24,120
Speaker 1: to criticize because, like I was just born here, I

1086
00:55:24,239 --> 00:55:25,759
Speaker 1: needed to try that hard, you know what I mean,

1087
00:55:25,880 --> 00:55:28,319
Speaker 1: Like you had to work for it. So yeah, can

1088
00:55:28,320 --> 00:55:30,280
Speaker 1: we can we hear what Delianne has to say about

1089
00:55:30,280 --> 00:55:32,840
Speaker 1: this country? You know what I mean? So we we

1090
00:55:32,840 --> 00:55:34,279
Speaker 1: didn't take a quick break, and then we're gonna come

1091
00:55:34,320 --> 00:55:36,840
Speaker 1: back and do one of my favorite segments, brown Boost,

1092
00:55:36,920 --> 00:55:38,320
Speaker 1: Brown Break. Are you ready?

1093
00:55:38,840 --> 00:55:39,480
Speaker 2: I'm so ready?

1094
00:55:39,520 --> 00:55:42,440
Speaker 1: All right, let's take a quick break, Well a quick break.

1095
00:55:42,880 --> 00:55:48,000
Speaker 1: Will be right back with the beautiful and delightful Delianne Bados.

1096
00:55:49,040 --> 00:55:51,520
Speaker 1: We are back. All right, Delianne, I'm putting you in

1097
00:55:51,520 --> 00:55:53,640
Speaker 1: the hot seat. You have some big budgeties to shoes

1098
00:55:53,680 --> 00:55:56,200
Speaker 1: to fill. What are you gonna do? Are you gonna

1099
00:55:56,200 --> 00:55:57,840
Speaker 1: boost or are you gonna break?

1100
00:55:58,680 --> 00:56:01,880
Speaker 2: Mmm? So I'm gonna do both because.

1101
00:56:04,080 --> 00:56:04,719
Speaker 1: I'll allow it.

1102
00:56:04,800 --> 00:56:09,040
Speaker 2: Yes, So I'm going to boost this meal prep company

1103
00:56:09,040 --> 00:56:11,120
Speaker 2: that I've been using because I needed to take a

1104
00:56:11,120 --> 00:56:11,920
Speaker 2: break from cooking.

1105
00:56:12,280 --> 00:56:14,800
Speaker 1: All right, Okay, okay.

1106
00:56:14,920 --> 00:56:18,200
Speaker 2: Cooking was just going it's it was taking over my life, Mandy.

1107
00:56:18,239 --> 00:56:20,799
Speaker 2: I just couldn't do it. I'm like, I especially when

1108
00:56:20,800 --> 00:56:23,600
Speaker 2: you're launching a business, you're gonna end up eating takeout

1109
00:56:23,640 --> 00:56:26,480
Speaker 2: every single day. And I'm like, Okay, something needs to stop.

1110
00:56:27,000 --> 00:56:30,880
Speaker 2: So if I searched far and wide for a company

1111
00:56:30,880 --> 00:56:33,160
Speaker 2: that actually delivers like fresh food to my door, they

1112
00:56:33,200 --> 00:56:35,800
Speaker 2: do it twice a week. It's not like frozen anything

1113
00:56:35,840 --> 00:56:37,920
Speaker 2: like that. It's not I'm not going to say the

1114
00:56:38,000 --> 00:56:39,440
Speaker 2: name of any other companies, but.

1115
00:56:40,280 --> 00:56:41,320
Speaker 1: You know what I mean, it's not for us to

1116
00:56:41,400 --> 00:56:42,839
Speaker 1: think of them.

1117
00:56:42,880 --> 00:56:46,200
Speaker 2: It's fresh delivered to my door. It's local to San Diego.

1118
00:56:46,640 --> 00:56:48,480
Speaker 2: And I'm like, that's the trick. When you're gonna find

1119
00:56:48,480 --> 00:56:50,239
Speaker 2: a company that's going to deliver food to your door.

1120
00:56:50,280 --> 00:56:52,440
Speaker 2: It has to be local. It can't be like shipped

1121
00:56:52,480 --> 00:56:55,759
Speaker 2: through the mail. So they deliver it fresh twice a week.

1122
00:56:56,000 --> 00:57:00,000
Speaker 2: It's delicious. It's woman owned. Can I say the name

1123
00:57:00,120 --> 00:57:00,719
Speaker 2: the company?

1124
00:57:00,840 --> 00:57:02,920
Speaker 1: Absolutely? Yeah, Okay, I'm waiting.

1125
00:57:03,440 --> 00:57:06,319
Speaker 2: Okay, good. The name of the company's Mikayla's. So if

1126
00:57:06,320 --> 00:57:10,800
Speaker 2: you're in San Diego, highly recommend. And it's been amazing.

1127
00:57:10,880 --> 00:57:13,120
Speaker 2: And now I have all this free time to do

1128
00:57:13,239 --> 00:57:16,280
Speaker 2: all the other things that I do, like making more tiktoks.

1129
00:57:17,160 --> 00:57:19,800
Speaker 1: Yes, the world needs more tiktoks. Okay, please don't work

1130
00:57:19,880 --> 00:57:24,200
Speaker 1: for yourself. That's awesome. I've tried. Yes, so no, I

1131
00:57:24,240 --> 00:57:26,919
Speaker 1: love that. I think I've tried all of the main

1132
00:57:28,120 --> 00:57:30,320
Speaker 1: I'm going off my microphone. Sorry, Dennis, I'm back. I'm

1133
00:57:30,320 --> 00:57:33,120
Speaker 1: back in the middle. Yeah, I think I've tried all

1134
00:57:33,160 --> 00:57:36,440
Speaker 1: of the same meal kit meal kit things, but especially

1135
00:57:36,440 --> 00:57:38,720
Speaker 1: the ones that come delivered. When I was on maternity leave,

1136
00:57:39,120 --> 00:57:40,920
Speaker 1: it was a it was a lifesaver just to have

1137
00:57:41,040 --> 00:57:43,160
Speaker 1: something I didn't have to think about, but just putting

1138
00:57:43,320 --> 00:57:46,600
Speaker 1: nutrients in my body. But like the taste soul begin

1139
00:57:46,760 --> 00:57:50,000
Speaker 1: to set, like taste the same, and that's that's awesome.

1140
00:57:50,040 --> 00:57:53,960
Speaker 1: So Mikayla's and it's local to San Diego, so we'll

1141
00:57:53,960 --> 00:57:55,320
Speaker 1: put a link to that in our show notes and

1142
00:57:55,320 --> 00:57:59,160
Speaker 1: shouts out to a woman's own business. Okay, so that's

1143
00:57:59,160 --> 00:58:01,120
Speaker 1: your boost. You said you got a break. What's it

1144
00:58:01,120 --> 00:58:01,480
Speaker 1: gonna be?

1145
00:58:01,520 --> 00:58:04,040
Speaker 2: Well, that was the break though. The break was I'm

1146
00:58:04,080 --> 00:58:05,040
Speaker 2: not cooking.

1147
00:58:05,000 --> 00:58:09,280
Speaker 1: So okay, we're taking a break from cooking. Okay, gotcha.

1148
00:58:09,360 --> 00:58:12,680
Speaker 1: And the boost was Mikayla's. I see what you did there.

1149
00:58:12,760 --> 00:58:16,040
Speaker 1: That counts, that counts. It's your first time. I would

1150
00:58:16,040 --> 00:58:19,160
Speaker 1: call that a full boost because it was all positive.

1151
00:58:19,560 --> 00:58:21,960
Speaker 1: But I feel you, I feel you. We missed the break,

1152
00:58:22,200 --> 00:58:24,760
Speaker 1: you know, when you had your breakdown from trying to

1153
00:58:24,800 --> 00:58:27,280
Speaker 1: cook and do your tiktoks at the same time. But

1154
00:58:27,720 --> 00:58:29,680
Speaker 1: it works, it works, it works. I'm gonna do a

1155
00:58:29,680 --> 00:58:33,360
Speaker 1: boost too, because I'm feeling pretty optimistic today. I don't

1156
00:58:33,400 --> 00:58:37,320
Speaker 1: have regular TV, so I don't watch primetime television anymore,

1157
00:58:37,400 --> 00:58:41,160
Speaker 1: so I didn't watch the Emmys, but thank goodness for

1158
00:58:41,280 --> 00:58:44,640
Speaker 1: IG because I was able to watch the incomparable Debbie

1159
00:58:44,680 --> 00:58:48,240
Speaker 1: Allen's acceptance speech. So, Debbie Allen, are you familiar with

1160
00:58:48,280 --> 00:58:51,280
Speaker 1: her or her work? If you're a graat's anatomy fan.

1161
00:58:51,360 --> 00:58:53,800
Speaker 1: I'm like, you know, stand for the beginning. That is

1162
00:58:53,800 --> 00:58:57,840
Speaker 1: where I became familiar with her as as Catherine, doctor

1163
00:58:57,920 --> 00:59:02,040
Speaker 1: Catherine Wait while Avery on Gray's Anatomy. But she is

1164
00:59:02,120 --> 00:59:05,040
Speaker 1: so much more than an actress. Debbie Allen is iconic

1165
00:59:05,200 --> 00:59:11,480
Speaker 1: as a dancers, as someone who's created opportunities for black

1166
00:59:11,480 --> 00:59:15,280
Speaker 1: and brown especially youth to become to get a career

1167
00:59:15,320 --> 00:59:18,200
Speaker 1: in dance and to find their way. And she's a

1168
00:59:18,240 --> 00:59:23,080
Speaker 1: director and amazing, amazing, and she won the Spectacular Award

1169
00:59:23,160 --> 00:59:26,200
Speaker 1: at the Emmys, the Governor's Award or something miraculous. But

1170
00:59:26,320 --> 00:59:30,880
Speaker 1: her speech was just so powerful and I encourage anyone

1171
00:59:31,080 --> 00:59:34,400
Speaker 1: who's listening right now to go find Debbie Allen's speech

1172
00:59:34,880 --> 00:59:37,360
Speaker 1: because to see, just see a black woman who has

1173
00:59:37,400 --> 00:59:41,880
Speaker 1: been doing the work for decades get her flowers. It

1174
00:59:41,920 --> 00:59:44,080
Speaker 1: doesn't get her flowers while she's still here, you know

1175
00:59:44,120 --> 00:59:46,480
Speaker 1: what I mean? Yes, I just feel like it doesn't

1176
00:59:46,560 --> 00:59:50,160
Speaker 1: happen enough. And her speech was at the very end

1177
00:59:50,200 --> 00:59:52,640
Speaker 1: she goes, you know, I want people to hear this

1178
00:59:52,680 --> 00:59:55,440
Speaker 1: speech from Texas women, to hear young women to hear

1179
00:59:55,480 --> 00:59:58,480
Speaker 1: this speech from Texas all the way to Afghanistan and

1180
00:59:58,680 --> 01:00:02,000
Speaker 1: be inspired. And I just love her so much so,

1181
01:00:02,320 --> 01:00:03,640
Speaker 1: shouts out to Debbie Allen.

1182
01:00:04,680 --> 01:00:06,920
Speaker 2: I usually don't watch a word show, but I'm like,

1183
01:00:06,960 --> 01:00:08,680
Speaker 2: now I'm gonna have to look that up because that

1184
01:00:08,800 --> 01:00:11,680
Speaker 2: sounds like it was worthy of watching. You know.

1185
01:00:12,320 --> 01:00:14,440
Speaker 1: I like to just look at the highlights. So what

1186
01:00:14,520 --> 01:00:18,200
Speaker 1: was the best speech? Who looked crazy? You know VMA's

1187
01:00:18,240 --> 01:00:21,800
Speaker 1: or this. I'm just now finishing the VMA's performances, and

1188
01:00:22,160 --> 01:00:24,680
Speaker 1: I know most of the performances this year. I feel

1189
01:00:24,720 --> 01:00:27,400
Speaker 1: like I'm catching up with the youth, and I.

1190
01:00:27,360 --> 01:00:29,680
Speaker 2: Feel like I'm not. And I'm on TikTok and I'm like,

1191
01:00:29,720 --> 01:00:31,920
Speaker 2: I don't know any of these musics, but I use

1192
01:00:31,920 --> 01:00:34,040
Speaker 2: them because they're trending. They're like, oh, you know the song.

1193
01:00:34,080 --> 01:00:38,160
Speaker 2: I'm like, no, it's trending. But I did catch like

1194
01:00:38,200 --> 01:00:41,000
Speaker 2: the met gala, Like that's always fun to see what

1195
01:00:41,120 --> 01:00:43,400
Speaker 2: nobody's wearing. So I did catch that. And I even

1196
01:00:43,400 --> 01:00:46,280
Speaker 2: made a meme of Kim Kardashian because everybody was.

1197
01:00:46,200 --> 01:00:49,320
Speaker 1: Me That's where I saw it. Yes, listen, we could

1198
01:00:49,360 --> 01:00:51,800
Speaker 1: spend an entire day about like what did you say?

1199
01:00:51,840 --> 01:00:54,600
Speaker 1: Her outfit was like the debt coming up the stairs

1200
01:00:54,600 --> 01:00:55,959
Speaker 1: to get you or something like that.

1201
01:00:56,440 --> 01:01:01,000
Speaker 2: I did a few I was like like, her sister

1202
01:01:01,440 --> 01:01:04,880
Speaker 2: was Friday, and then Kim was Sunday Scaries, and then

1203
01:01:04,880 --> 01:01:10,000
Speaker 2: the other one I did was her sister was leaving

1204
01:01:10,000 --> 01:01:13,240
Speaker 2: Corporate America, and then Kim was health insurance.

1205
01:01:13,120 --> 01:01:17,520
Speaker 1: Because oh yes, can we wait a second, we didn't

1206
01:01:17,560 --> 01:01:20,880
Speaker 1: talk about that. What do you do for health insurance? Yeah?

1207
01:01:20,960 --> 01:01:22,760
Speaker 2: I pay seven hundred dollars a month.

1208
01:01:22,720 --> 01:01:27,480
Speaker 1: For Cobra Cobra Okay, yeah, so I could.

1209
01:01:27,320 --> 01:01:30,160
Speaker 2: Have gone in the marketplace and gotten something cheaper. But again,

1210
01:01:30,200 --> 01:01:31,960
Speaker 2: it was one of those things where I did a

1211
01:01:32,000 --> 01:01:34,240
Speaker 2: cost benefit analysis of like how much do I want

1212
01:01:34,240 --> 01:01:36,880
Speaker 2: to aggravate myself shopping for health insurance so that I

1213
01:01:36,880 --> 01:01:39,400
Speaker 2: could potentially maybe save two hundred dollars a month, which,

1214
01:01:39,520 --> 01:01:41,600
Speaker 2: by the way, I'm not denying that two hundred dollars

1215
01:01:41,640 --> 01:01:44,120
Speaker 2: a month is a lot of money, but for me personally,

1216
01:01:44,160 --> 01:01:46,160
Speaker 2: I'm like, is it worth it for me? And so

1217
01:01:46,200 --> 01:01:48,240
Speaker 2: I made the decision to keep the health insurance that

1218
01:01:48,280 --> 01:01:51,040
Speaker 2: I had. Again, I'm not planning to stay here forever,

1219
01:01:51,200 --> 01:01:53,800
Speaker 2: how much longer in the country, So by the time

1220
01:01:53,840 --> 01:01:56,440
Speaker 2: my Cobra runs out, hopefully i won't be here and

1221
01:01:56,480 --> 01:01:58,840
Speaker 2: I'll be on that sweet sweet Portugal insurance that is

1222
01:01:58,840 --> 01:02:01,840
Speaker 2: only one hundred dollars a month. Thank you, amen, So

1223
01:02:02,000 --> 01:02:03,000
Speaker 2: I am waiting for that.

1224
01:02:03,920 --> 01:02:07,160
Speaker 1: I'm so glad you brought that up. People think solopreneur

1225
01:02:07,320 --> 01:02:10,920
Speaker 1: life is so sexy, and it's like, are you trying

1226
01:02:10,960 --> 01:02:14,080
Speaker 1: to have healthcare when you need it? Yeah, like you

1227
01:02:14,120 --> 01:02:16,000
Speaker 1: know what I mean, especially now of all time. So

1228
01:02:16,040 --> 01:02:19,760
Speaker 1: thanks for sharing that. Okay, this has been amazing, Delian.

1229
01:02:19,880 --> 01:02:22,800
Speaker 1: Thank you so much again for saving my as you say,

1230
01:02:22,920 --> 01:02:28,720
Speaker 1: my Kulo and us. Thank you because Tiffany, Tiffany is

1231
01:02:28,760 --> 01:02:30,360
Speaker 1: off on the west I think she's on your side

1232
01:02:30,360 --> 01:02:32,480
Speaker 1: of town. She's on the West coast doing something fabulous

1233
01:02:32,480 --> 01:02:36,760
Speaker 1: in California. So thank you so much. I'm just loving.

1234
01:02:36,920 --> 01:02:38,600
Speaker 1: Thank you for doing what you're doing. It's so fun

1235
01:02:38,600 --> 01:02:41,760
Speaker 1: to watch you sore and it's so it's just nice

1236
01:02:41,800 --> 01:02:44,760
Speaker 1: to meet you and put a put a voice to

1237
01:02:44,880 --> 01:02:46,520
Speaker 1: the faith and the name that I see so much.

1238
01:02:46,560 --> 01:02:47,600
Speaker 1: Thank you for joining us.

1239
01:02:47,960 --> 01:02:50,240
Speaker 2: Thank you for having me. This is an absolute honor.

1240
01:02:50,320 --> 01:02:53,480
Speaker 2: I love the show. I'm obsessed. And congratulations on launching

1241
01:02:53,480 --> 01:02:54,200
Speaker 2: your business too.

1242
01:02:54,640 --> 01:02:57,040
Speaker 1: Thank you. You know I'm doing it. All you gotta

1243
01:02:57,080 --> 01:02:58,960
Speaker 1: do is put it up on Instagram apparently, and you're

1244
01:02:59,000 --> 01:03:03,080
Speaker 1: a business owner. But it's amazing. All right, well, thank

1245
01:03:03,200 --> 01:03:05,800
Speaker 1: y'all for listening. Stick around Delian because we're going to

1246
01:03:05,840 --> 01:03:08,640
Speaker 1: take some questions for Friday's be A, Q and A.

1247
01:03:09,120 --> 01:03:11,240
Speaker 1: But for those of you who don't follow Delian the

1248
01:03:11,240 --> 01:03:13,120
Speaker 1: Money Coach, you have got to follow her. Check the

1249
01:03:13,120 --> 01:03:15,720
Speaker 1: show notes. We'll have all of her socials there. Find

1250
01:03:15,720 --> 01:03:17,640
Speaker 1: out how you can slay the stock market as well

1251
01:03:17,880 --> 01:03:20,480
Speaker 1: at her website, so definitely scroll on down to the

1252
01:03:20,520 --> 01:03:24,880
Speaker 1: show notes and get all of those links. All right,

1253
01:03:24,880 --> 01:03:28,360
Speaker 1: what a fantastic throwback episode. I love these episodes. It

1254
01:03:28,400 --> 01:03:30,000
Speaker 1: gave us a chance to take a little trip down

1255
01:03:30,040 --> 01:03:33,760
Speaker 1: memory lane and dig up some of our oldies. But goodies,

1256
01:03:34,160 --> 01:03:36,840
Speaker 1: make sure that you check out Brand Ambition every Monday,

1257
01:03:36,880 --> 01:03:40,120
Speaker 1: Wednesday and Friday. See you next time, bapam