Speaker 1: Hey, hey ba fam. It is one of the best
Speaker 1: days of the week time for a hallaback Monday. So
Speaker 1: whether you are a new fan of the show or
Speaker 1: you are someone who has been listening for the past
Speaker 1: nine years we have been on the air and you
Speaker 1: just want to revisit some of your faves. Monday episodes
Speaker 1: are for you because we dig into our archives and
Speaker 1: find one of our oldie but goodie episodes to share
Speaker 1: with you, and today's is super special. This was an
Speaker 1: episode when I was joined by a special guest and friend,
Speaker 1: Delianne Barros, a Brazilian born attorney turned investing coach who
Speaker 1: is empowering people across the country and globe to be honest,
Speaker 1: to learn how to invest and build wealth. So Delianne
Speaker 1: is going to talk about her investing strategy, how she
Speaker 1: transitioned from the legal field into becoming an investing coach,
Speaker 1: and how she actually packed up and moved her entire
Speaker 1: life to Portugal to get her own version of retiring early.
Speaker 1: Give it a listen and enjoy, Hey ba Fam. Mandy,
Speaker 1: here I am solo. This week Tiffany left me y'all no,
Speaker 1: in all seriousness, Tiffany got an extraordinary opportunity and we
Speaker 1: love those here. I mean, we don't call it Brown
Speaker 1: Ambition for nothing. So Tiffany is off doing her thing
Speaker 1: this week, and I have been saved by the one
Speaker 1: and only stock market slayer herself, delian the money Coach.
Speaker 1: You guys, I cannot wait for you to meet Delianne.
Speaker 1: In fact, selfishly, I'm kind of excited about this because
Speaker 1: with Tiffany being gone this week, it gave me a
Speaker 1: chance to reach out to delian and connect with her
Speaker 1: on ig. I just shot my shot and I said,
Speaker 1: I love your content, I love what you're doing. You're
Speaker 1: blowing up. I want you to come on Brown Ambition
Speaker 1: and share your story with our audience. And on top
Speaker 1: of that, it is Hispanic Heritage Month and it really
Speaker 1: meant a lot to me that we could showcase one
Speaker 1: of the baddest ass bad asses. I don't know how
Speaker 1: to say that, one of the best Latinas in the
Speaker 1: game right now. And the fact that there even is
Speaker 1: a huge influencer space now for Latina money coaches and
Speaker 1: money influencers, y'all, it has been a long time coming.
Speaker 1: I am a huge fan of Delianne. I know you
Speaker 1: guys will be too. When you hear from her. But
Speaker 1: let me do a quick intro. So if you don't
Speaker 1: know about Delianne, she is a Latina money expert and
Speaker 1: ex employment law attorney. Yeah, she was an entire attorney
Speaker 1: y'all before she pivoted. And she is going to talk
Speaker 1: about how she just quit her job less than what
Speaker 1: six months ago, and how she's now on track to
Speaker 1: retire by age forty five and move to where, of course,
Speaker 1: to Portugal like everybody else, it seems. Through her business,
Speaker 1: delian the Money Coach, Delianne has a goal to show
Speaker 1: investors that they don't need to wait to become debt
Speaker 1: free or earn six figures in order to reach financial freedom.
Speaker 1: Over twenty five hundred students have enrolled in her Sleigh
Speaker 1: the Stock Market course, which you can find at the
Speaker 1: link in the show notes, and Delian's been featured everywhere CNN,
Speaker 1: Time Business Insider, all highlighting her work in support of
Speaker 1: financial literacy, and of course check out the show notes
Speaker 1: to follow her on Instagram and TikTok under her handle
Speaker 1: delian the Money Coach. Now let me get out of
Speaker 1: my own way, Tiffany, we hope you are slaying over
Speaker 1: in La doing your thing. In the meantime, I'm so
Speaker 1: excited to introduce you guys to delian So here is
Speaker 1: our conversation and be sure to come back Friday when
Speaker 1: we air our Baq and A episode. Delianne stuck around
Speaker 1: and she helps me tackle y'all's questions this week. All right,
Speaker 1: here we go, here's the show. All right, delian thank
Speaker 1: you so much for joining Brown Ambition. Thanks for saving
Speaker 1: my butt on.
Speaker 2: I am honored. You can call me anytime and I'll
Speaker 2: be here.
Speaker 1: Just slid into your DMS. Well, listen, you are I mean,
Speaker 1: we don't have we don't have co hosts that often.
Speaker 1: We did have a few this past summer. And one
Speaker 1: of my favorite things about inviting someone to sit in
Speaker 1: the chair, the virtual chair across from me, is genuinely
Speaker 1: every story is so unique, and yours is definitely one
Speaker 1: that I have been following. It feels like for the
Speaker 1: past year you've just blown up and I'm like, what
Speaker 1: is she doing? She's got this, You've got this amazing platform.
Speaker 1: You are empowering Latina women, especially to take charge not
Speaker 1: just of their finances but of the stock market, which
Speaker 1: is just something that until a couple of years ago
Speaker 1: there just wasn't really anybody I feel like representing that space.
Speaker 1: So thank God, thank Goodness for you and others like you,
Speaker 1: and thank you for joining Brown Ambition.
Speaker 2: Of course, thank you for having me. I'm always flattered
Speaker 2: and I love spreading this idea that things are changing,
Speaker 2: like the conversation around money's changing, the people who are
Speaker 2: talking about it are changing, and I'm like so honored
Speaker 2: to be part of that movement.
Speaker 1: Yeah, I mean when you so your background, I mean,
Speaker 1: first of all, you've got you've had a bunch of
Speaker 1: different lives, it feels like professionally, but you were an
Speaker 1: attorney and then you transition from being a badass attorney
Speaker 1: to an editor for like a legal publication, right, and
Speaker 1: then you quit entirely and now you are delhi Enbado
Speaker 1: Slay the stock market, teaching investing courses online. But let's
Speaker 1: back it up, because I've been reading up on you
Speaker 1: and I didn't realize you're originally from Brazil, And is
Speaker 1: it true that you came to the US and for
Speaker 1: a long time you were actually undocumented. So tell me
Speaker 1: about that, tell me about your origin story and sort
Speaker 1: of how you have gotten to where you are today,
Speaker 1: because that is such an incredible and unique story that
Speaker 1: I don't think many people know about you.
Speaker 2: Yeah. I mean it's funny because it doesn't seem like
Speaker 2: that long ago, but I'm like, wow, it's been a lifetime. So, yeah,
Speaker 2: my father got laid off in Brazil and there aren't
Speaker 2: that many opportunities where we're from, so he packed us
Speaker 2: up brought us to the US. I was eight years old,
Speaker 2: my sister was four, and we moved to Miami and
Speaker 2: that's pretty much like where I grew up from eight
Speaker 2: to twenty one. And yeah, we were on documented, all
Speaker 2: of us, so we were pretty much coached by our parents,
Speaker 2: like stay out of trouble, go to school, you know, like,
Speaker 2: don't misbehave, don't act out, because we can't bring attention
Speaker 2: to ourselves, right, Like, every moment could be a risk
Speaker 2: for one of us being sent back. So growing up
Speaker 2: with that fear looming over you is something that you
Speaker 2: don't ever really let go of, right. It's something that
Speaker 2: is still a part of me today. Anything having to
Speaker 2: do with immigration still gets me like sweating, even when
Speaker 2: I go to the airport and you have to go
Speaker 2: through immigration. Here I'm standing here with my American passport,
Speaker 2: which I've wanted my entire life, and I didn't get
Speaker 2: till what three four years ago. I became a citizen
Speaker 2: and I still get like the sweats. So yeah, we
Speaker 2: were documented because we came over as tourists. We overstayed
Speaker 2: our visa, you know, not something that was I was
Speaker 2: consulted about. I was eight years old and.
Speaker 1: I haven't none spoke English. None of you spoke English either, okay.
Speaker 2: And so we all learned, you know, tray by fire.
Speaker 2: I was an esaul. I was bullied during school, you know,
Speaker 2: typical treatments that you get when you're a foreigner, when
Speaker 2: you're different, right, and when you're growing up in elementary
Speaker 2: high school, if you're different at all, you're gonna get bullied.
Speaker 2: So this was part of that. But thankfully I was
Speaker 2: in Miami. I definitely wasn't the only one, but growing
Speaker 2: up there was a little claustrophobic. So finally I did
Speaker 2: get my papers, I did become a resident, and I
Speaker 2: just immediately enrolled in college, put myself through law school.
Speaker 2: I paid all my student loan offs last year, which
Speaker 2: was a whole one hundred and fifty thousand dollars.
Speaker 1: Let's just pause there for a second, because it was
Speaker 1: a hundred and you're making it sound like, yeah, I
Speaker 1: just did this, I got my papers. Yeah whatever, Well
Speaker 1: just checking the boxes one hundred and fifty k. Yeah,
Speaker 1: everyone can do that. Uh huh. Now I'm going to
Speaker 1: retire in Portugal. But let me slow it down. Okay,
Speaker 1: law school? Why law school? Why was that where? Why
Speaker 1: was that sort of your your profession of choice? And
Speaker 1: talk to me about the I mean, this thread of
Speaker 1: the mental toll of that fear. You know, I don't
Speaker 1: know if your parents are citizens now or what their
Speaker 1: status is, but tell me about that year and how
Speaker 1: that sort of led you into your decision making when
Speaker 1: you were when you were figuring out school and your career.
Speaker 2: Yeah, it was terrifying because and it was also heartbreaking
Speaker 2: because I saw all my classmates making big plans to
Speaker 2: go to these colleges. They were getting scholarships, they were
Speaker 2: getting financial aid. I didn't qualify for any of those things. Right,
Speaker 2: So I'm graduating at the top of my class in
Speaker 2: high school and I'm stuck. I'm pretty much frozen. There
Speaker 2: is no assistance for anybody like me. I would go
Speaker 2: to the school counselor, I would talk to the principal.
Speaker 2: There's like, there's nothing we can do. So I was
Speaker 2: basically on my own until I figured out the immigration
Speaker 2: situation on my own. But once that got resolved, I'm like, Okay,
Speaker 2: I could start living my life because I literally felt
Speaker 2: like my life was on pause. And why did I
Speaker 2: choose law school? Well, it was either that or medical
Speaker 2: school because like any other immigrant, I'm like, I have
Speaker 2: to overcompensate for all of my parents, you know, shortcomings,
Speaker 2: And so I'm like, which one is it going to be?
Speaker 2: I always knew I wanted to help people. Math completely
Speaker 2: terrified me, even though I took calculus. Well whatever, I decided,
Speaker 2: let's go to law school, no math. And then I
Speaker 2: was deciding whether I was going to do immigration or
Speaker 2: employment law. So I did my internship and immigration and
Speaker 2: I tested that out, and I don't know, maybe it
Speaker 2: was a little too close to home. It was just
Speaker 2: too emotional for me. But I'm like, how can I
Speaker 2: still help this population through another way? And so I
Speaker 2: chose employment law and I did plain of side employment law.
Speaker 2: So I represented employees in discrimination cases, wage in hour cases,
Speaker 2: contract negotiations, you name it, right, I was doing those
Speaker 2: type of cases. And I did that for seven years litigation,
Speaker 2: and it was rewarding work. But if you've talked to
Speaker 2: any attorney, being an attorney is extremely stressful. You're getting
Speaker 2: stressed from all different levels, the partners, the clients, the
Speaker 2: your coworkers, everywhere, right, And it's just this constant stress
Speaker 2: and very little support, especially for people of color, especially
Speaker 2: for women of color. And so I felt very isolated
Speaker 2: and I felt overwhelmed, and I felt like I chose
Speaker 2: a profession again because I was trying to prove a
Speaker 2: point instead of really following my heart, you know. And
Speaker 2: so and also because I wanted financial security. God, I
Speaker 2: desperately want it. I was, you know, we were poor.
Speaker 2: I was living in Miami. I was living in an apartment.
Speaker 2: I tell people, I'm like, I used to live a
Speaker 2: broom by the door because I would come in and
Speaker 2: have to kill the cockroaches because it was like a
Speaker 2: little kitchenette, and it was there was no sink in
Speaker 2: the bathroom. I had to like brush my teeth in
Speaker 2: the shower. It was, you know, not a good situation.
Speaker 2: And so for me, education meant lifting myself out of poverty.
Speaker 2: Like I needed education to be that ladder for me
Speaker 2: out and it did. It did become that ladder, but
Speaker 2: it also trapped me in this capital less game that
Speaker 2: I didn't realize I was now part of. And so
Speaker 2: walking away from my legal career took a huge mindset
Speaker 2: chef for me to have.
Speaker 1: That was because that wasn't even that long ago, was it.
Speaker 1: I mean we're talking about.
Speaker 2: I mean I literally quit in March of this year.
Speaker 1: Wait, just this past march?
Speaker 2: Yeah, wow, March twenty twenty one, what I put in
Speaker 2: my notice.
Speaker 1: So that's a big milestone, especially for anyone who's like you.
Speaker 1: For example, you discovered the Fire movement, financial independence, retire early.
Speaker 1: When was that a couple of years ago? Or so
Speaker 1: when you discovered that movie?
Speaker 2: Yeah, twenty nineteen, twenty nineteen years soon, I'm heard of
Speaker 2: more aware, Like I discover something, I go all in.
Speaker 1: I'm finding that out. I'm like, good lord, we've been
Speaker 1: doing this show for six years anyway, So tell me,
Speaker 1: I mean, you discovered the fire movement, You're you quit
Speaker 1: your job less than a year ago. How has the
Speaker 1: what are your what do your parents think? What do
Speaker 1: your parents think of what you're doing?
Speaker 2: Yeah? I mean I unfortunately my dad's not in my life.
Speaker 2: But my mom is she lives in Brazil. She was
Speaker 2: just wrapping her head around the fact that I was
Speaker 2: an attorney. She's like, I'm starting to understand what I
Speaker 2: did and now I'm like, oh, I'm not that doing
Speaker 2: that anymore. Mom, I teach people about investing in the
Speaker 2: stock market. She's like what. But she's very supportive. She's like,
Speaker 2: she just wants to see us all happy and healthy,
Speaker 2: taken care of. So, yeah, we have this distant relationship
Speaker 2: because she's been living in Brazil for the last what
Speaker 2: twelve thirteen years?
Speaker 1: Oh so she went back when you were still, yeah,
Speaker 1: in your twenties or so, and you so you have
Speaker 1: a little sister.
Speaker 2: I have two little sisters, one that lives in Hawaii
Speaker 2: and one that lives in Colorado.
Speaker 1: So you guys take care I have siblings and where
Speaker 1: I feel you because my siblings live in different states too.
Speaker 1: And it's crazy because I feel like I spent my
Speaker 1: twenties just not really caring about the distance. But now
Speaker 1: that I'm in my mid thirties and I got a baby,
Speaker 1: I'm like, wait, why do you guys live so far away?
Speaker 1: But how important are you are those relationships to you.
Speaker 2: No, absolutely, And so my sister now lives in Hawaii,
Speaker 2: which is the closest we've been geographically in forever because
Speaker 2: she's live in Singapore. So now it feels like she's
Speaker 2: right there all of a sudden, but she'll probably be
Speaker 2: moving again. Yeah. Same as I've gotten older, I felt
Speaker 2: that having that physical proximity to your family is really
Speaker 2: really important. So my hope is to retire in Portugal
Speaker 2: and bring my mom. I want to like bring the
Speaker 2: nucleus back together. I'm trying to convince my sister to
Speaker 2: move there, my mom, and I'm like, let's get the
Speaker 2: family back together.
Speaker 1: Why Portugal? It seems like everyone's moving to Portugal. Portugal's
Speaker 1: got some like serious shine on it right now? What
Speaker 1: is in the water over there? Yeah, tell me about it.
Speaker 1: How did you arrive at that decision and what drew
Speaker 1: you to it?
Speaker 2: I can't speak to for everyone else. I'm Brazilian, so
Speaker 2: for me, the connection is natural. I see Portuguese, although
Speaker 2: the Portuguese there is I visited two three years ago. God,
Speaker 2: everything's jumbled now, and I absolutely fell in love with it.
Speaker 2: I've always loved Europe, Spain, Italy, France. But when I
Speaker 2: visited Portugal. It felt like home, Like the people were lovely.
Speaker 2: It just it was safe, it was calm. Right, I'm
Speaker 2: just coming from New York because I lived in New
Speaker 2: York City for fifteen years. It was just a different vibe.
Speaker 2: And when i started putting together my financial independence plan,
Speaker 2: and I'm like, Wow, it's gonna be difficult to swing
Speaker 2: this here in the States, right, especially now that I'm
Speaker 2: living California. But I'm like, what if I moved abroad? Right?
Speaker 2: But then the again, the immigration thing came up, the fears.
Speaker 2: I'm like, oh my god, I'm gonna deal with immigration again.
Speaker 2: I just became a citizen. Now I'm gonna I don't know.
Speaker 2: I felt like I was risking it. But then I
Speaker 2: realized that becoming a citizen in Portugal is actually quite simple,
Speaker 2: quite easy to move there to become a resident.
Speaker 1: Of being welcoming to immigrants.
Speaker 2: Yes, right, how odd? And so they have something that's
Speaker 2: called the D seven visa, which is basically, if you
Speaker 2: have any kind of passive income, there's like a threshold
Speaker 2: that you have to meet. You meet that threshold, you
Speaker 2: can come live there and you can become a citizen
Speaker 2: after five years done and That gives me a lot
Speaker 2: of peace of mind, not only for myself but for
Speaker 2: my mom because I'm going to be taking care of her.
Speaker 2: So even though I don't have kids, I am taking
Speaker 2: care of a generation above me, right, and so I
Speaker 2: want to make sure that she's taken care of that
Speaker 2: she has health, insurance, access to all of that. And
Speaker 2: it was important when I was choosing which country that
Speaker 2: I could check those boxes.
Speaker 1: Yeah, that's wonderful. So what's your goal? When are you
Speaker 1: going to be in Portugal? What it does? And when
Speaker 1: you said, first of all, I'm a victim of my
Speaker 1: own deadlines all the time, so I'm just I'm I
Speaker 1: going to ask you this, but I'm also thinking, like,
Speaker 1: you can move your deadlines anytime, girl, Like it is
Speaker 1: not that big of a deal. I don't mean to
Speaker 1: put any pressure on you, but you going to be there.
Speaker 2: I'm so glad you said that because that's how I
Speaker 2: am too. I when I speak something into existence, I
Speaker 2: feel obligated to make it happen exactly as I said it.
Speaker 2: And that's such a I don't know if that's a
Speaker 2: scorpio thing. I don't know if that's an immigrant thing
Speaker 2: or the type a thing. Yeah, yes, the timeline is
Speaker 2: about in the next two years.
Speaker 1: Two years, okay, holy shit.
Speaker 2: And yeah, the only reason for that is because I
Speaker 2: want to get over there do some scouting, and I
Speaker 2: haven't been able to because of you know, the panoramic.
Speaker 2: So once I have a minute to hang over there,
Speaker 2: do some house shopping, house hunting, feel a little bit
Speaker 2: better about where we're going to land, then I will
Speaker 2: probably be escalating those plans.
Speaker 1: So what I love about your story too, is that
Speaker 1: you acknowledge like I was a full a full lawyer,
Speaker 1: a full attorney at law four blocks away from Wall Street,
Speaker 1: and even I didn't know how investing work you've said,
Speaker 1: how investing works you said, or how the stock market worked.
Speaker 1: So what was that aha moment for you? And I'm
Speaker 1: even just getting a sense from our conversation so far,
Speaker 1: I'm sure like you learned it and you were immediately like, Okay, great,
Speaker 1: these are the facts. Now I'm going to implement this
Speaker 1: and four years later you're going to be in Portugal.
Speaker 1: But walk us back to that moment. What was that
Speaker 1: like for you? I mean you you even say that
Speaker 1: you weren't even investing in your four oh one k
Speaker 1: you know.
Speaker 2: Well, I was. I was, actually I was investing it,
Speaker 2: thank god, from twenty eleven, but without understanding anything what
Speaker 2: was going on inside of it. Like literally my hr person,
Speaker 2: which was a woman of color, a black woman, which
Speaker 2: I'm like, thank god, somebody was looking out came to
Speaker 2: me and said, excuse me, why aren't you investing in
Speaker 2: the four one day literally free money? What are you
Speaker 2: talking about? And I'm thinking, what are you talking about?
Speaker 2: Why do I need to be thinking about this right now?
Speaker 2: I have all these student loans. You want me to
Speaker 2: think about my life in my sixties, I don't have
Speaker 2: I'm trying to make life work here in New York City.
Speaker 2: She's like, no, no, no, you have to sign up for it.
Speaker 2: Thank god she did that, and so I have had
Speaker 2: it for the last ten years, and it is the
Speaker 2: account that I'm most proud of because it's the one
Speaker 2: that I've put the least amount of money and it's
Speaker 2: grown the most. So it shows you, like the power
Speaker 2: of compound interest.
Speaker 1: You know, we're like we're stock markets soul sisters. I
Speaker 1: feel like because I started my four one K and
Speaker 1: twenty eleven as well, although I was for a year
Speaker 1: not investing at all, and what I love about your
Speaker 1: story and actually I was just CNBC recently ran a
Speaker 1: story that I wrote about my net worth journey, and
Speaker 1: first of all, the bros at CNBC on their ig
Speaker 1: page like I can take it, Like what does that mean?
Speaker 1: You know, baby, I'm a gangster two. So if you
Speaker 1: come for me and try to tell me, oh, well,
Speaker 1: of course you your net worth increased, you know, the
Speaker 1: stock market's been up for a decade, I'm like, yeah,
Speaker 1: that's the point. The point is that I started, and
Speaker 1: that is what so many people struggle with. And that's
Speaker 1: what I love about your story and mine is that
Speaker 1: those little tiny baby for one case, they were like
Speaker 1: a little seedling, you know, and I put my little
Speaker 1: money in there and it was it's it's beautiful to
Speaker 1: see that grow. But it's also like, yeah, give us
Speaker 1: our give us our flowers for starting something before you.
Speaker 1: But just like that, that that little like seed of
Speaker 1: faith that you had that you're going to grow into
Speaker 1: something larger and the patience and hell's yeah, we can
Speaker 1: celebrate it, you know, a decade later. I love that.
Speaker 2: I love that, I know, and it's such it's so
Speaker 2: frustrating with the bros because they don't want to give
Speaker 2: us our props because we were passive investors, were not
Speaker 2: stock pickers, right, we're not day trading. And so because
Speaker 2: crypto we can, yeah, we can't, like, you know, sign
Speaker 2: off on some fancy stock that made us a pajillion
Speaker 2: percent return. Somehow that lessons our accomplishment, which is complete
Speaker 2: bs because at the end of the day, who makes
Speaker 2: money is the person who did it consistently over time,
Speaker 2: patiently kept their money in, let it grow, and didn't
Speaker 2: mess around with it. And this is why women are
Speaker 2: statistically better investors than men now, so because we know
Speaker 2: how to do this. And so the only problem with
Speaker 2: women quote unquote women is that we're not doing it enough.
Speaker 2: That's it. If we just need to invest more, we
Speaker 2: need to participate more. But when we do, we're great investors.
Speaker 2: So when I found out about financial independence and I
Speaker 2: started learning about investing, my reaction was anger. To be honest,
Speaker 2: I was really angry. I was angry that I didn't
Speaker 2: know this stuff. I'm like, how is it that I'm
Speaker 2: a professional making six figures, like you said, living in
Speaker 2: New York City, surrounded by stock market information all day long,
Speaker 2: and I don't understand the basics of investing. That's how
Speaker 2: I knew. I was like, Wow, if the information's not
Speaker 2: trickling down to me, it's definitely not trickling down other people.
Speaker 2: Because all I hear everybody talking about is real estate.
Speaker 2: That's it. You want to build wealth, you got to
Speaker 2: go buy something. And so that's the message that I
Speaker 2: was adhering to, hoarding cash in my savings account, chasing
Speaker 2: New York City real estate, never getting anywhere, and I'm like,
Speaker 2: I don't understand how are people building their networth? Like
Speaker 2: how am I ever going to stop working someday? It
Speaker 2: seems like it's going to go on forever. And so
Speaker 2: when I found out about it, that's why I was
Speaker 2: it was such a quick buy in for me. I mean,
Speaker 2: obviously I did my research, I looked into it, but
Speaker 2: I was like, this is it, this is the way out.
Speaker 2: And then I just started using social media to share
Speaker 2: my own personal journey, and that's when it started growing
Speaker 2: into something way more. Yeah.
Speaker 1: So that decision that you made, I mean you like
Speaker 1: you said, is it right that you had this big
Speaker 1: chunk of change, like one hundred grand that you had
Speaker 1: set aside for what a home like a down payment
Speaker 1: and you discovered fire, and what did you decide to
Speaker 1: do with that money instead?
Speaker 2: So I split into three buckets. One was my emergency
Speaker 2: fund because I need to sleep at night. I need
Speaker 2: money in the bank, always in forever. And I tell
Speaker 2: everybody that you do too. And then I sent another
Speaker 2: big chunk to Navviant. Here, Naviant, take your freaking money.
Speaker 2: Please get out of my face, okay, because no, this
Speaker 2: was some Also. This was October twenty nineteen, five months
Speaker 2: before the pandemic. Yeah, you know, stock market is at
Speaker 2: all time highs. I don't care. I'm like, I did
Speaker 2: my research. I'm in it for the long run. Then
Speaker 2: I took another fifty thousand dollars and I put it
Speaker 2: in a brokerage account of Vanguard, five months before the pandemic.
Speaker 2: So I did the scary thing that everybody's scared to do.
Speaker 2: Oh my god, what if I put money in and
Speaker 2: then the market crashes? It? Literally I did it. And
Speaker 2: guess what that money has recovered and continue to grow?
Speaker 2: Is them totally fine? The S and P five hundred
Speaker 2: was at twenty nine hundred when I did that, which
Speaker 2: was all time highs. Today it's at forty four hundred.
Speaker 1: Yeah, so that's fifty K. What's the value today?
Speaker 2: I mean I don't have like the exact number on it,
Speaker 2: but think about it. It dropped in value forty percent
Speaker 2: in March, so I was down, like it went into
Speaker 2: my principle, which is the thing you never want, right,
Speaker 2: So I lost all my growth and then the money,
Speaker 2: some of the money that I put in, so it
Speaker 2: was up to like almost sixty K by the time
Speaker 2: the market crashed, so I put in fifty it was
Speaker 2: up till like sixty So I lost the ten that grew,
Speaker 2: that grew, and then I lost another ten.
Speaker 1: So what was your reaction? How did you stick with it?
Speaker 1: How did you know?
Speaker 2: Yeah? I mean it's funny because my reaction is actually
Speaker 2: documented on Instagram because I remember, I'm in the middle
Speaker 2: of launching my business. I'm talking about investing, and I'm
Speaker 2: literally talking everybody else down off a ledge and I'm like,
Speaker 2: this is the moment we've been waiting for. This is
Speaker 2: what I've been telling you guys might happen. And so
Speaker 2: I continue to pay off my student loans, but I
Speaker 2: also continue to invest. And I'm so glad I did that,
Speaker 2: and I did it all throughout twenty twenty. I actually
Speaker 2: poured one hundred thousand dollars into the market in twenty twenty. Okay,
Speaker 2: so glad I did.
Speaker 1: So you don't know the exact value, I mean, do
Speaker 1: you not? Typically I try to not look at my
Speaker 1: accounts too too often. I try to look at my
Speaker 1: net worth and that nice round number, and you know,
Speaker 1: that's what I'm kind of focused on. But how often
Speaker 1: are you checking your numbers? I think we got a
Speaker 1: question from someone who was like, I've gotten it through
Speaker 1: Mandy Money, Just how do I stop checking my accounts?
Speaker 1: I'm obsessed with watching the progress. What's that relationship been
Speaker 1: like for you?
Speaker 2: I think in the beginning, that's totally normal. If you're
Speaker 2: brand into investing, of course they're going to be watching it, right.
Speaker 2: It's something so new, especially if you didn't take a
Speaker 2: lot of time to learn learn about the history of
Speaker 2: the stock market. You're kind of learning on the go,
Speaker 2: so that's why you're so nervous. But trust me, you'll
Speaker 2: get bored with that because let's will move on. You're
Speaker 2: gonna get sick of seeing the ups and downs and
Speaker 2: people will just move on with their lives. So I
Speaker 2: think that's actually a normal reaction, and I'm not gonna
Speaker 2: tell you to not do it, because when you tell
Speaker 2: people not to do something, then they really want to
Speaker 2: do it. So it's fine. But I check my accounts
Speaker 2: every day. But this is my job. Like that's why
Speaker 2: I look at the market every day. I'm telling everybody, hey,
Speaker 2: my account, for instance today recording today, the market's down
Speaker 2: two percent. My brokerage account just fell eight thousand dollars.
Speaker 2: Like I know these things because I'm also sharing it
Speaker 2: with my audience. I'm telling them, hey, I'm in it
Speaker 2: with you. I'm seeing my account move down. Guess what
Speaker 2: I just did. I just bought more. Like I'm talking
Speaker 2: them through it as I'm experiencing too, and I think
Speaker 2: that that calms people down.
Speaker 1: Yeah, okay, now that makes a lot of sense. I
Speaker 1: try not to look. I don't even pay attention. It
Speaker 1: was liberating. It's so much more liberating when you feel like, okay,
Speaker 1: I am I've chosen this lifestyle as a passive investor.
Speaker 1: The point of it is it's called passive. Like you
Speaker 1: just float. You know, you're on your little raft and
Speaker 1: you're just floating and you're just enjoying the scenery and
Speaker 1: it's all working for you. It's just having that faith.
Speaker 2: Let's talk look at my far Okay, sorry, when I
Speaker 2: look at my phone. Okay, that's what I did. I
Speaker 2: ignored it for ten years. I'm just now aware of
Speaker 2: it because I'm painfully aware of everything about investing. But
Speaker 2: before that, I ignored it for years and guess what,
Speaker 2: it grew and it did its thing, So.
Speaker 1: You don't need to be watching it absolutely. Let's talk
Speaker 1: about fire. Do you have a fire number? Is there
Speaker 1: a I know we talked about time earlier in the
Speaker 1: time when you want to be in Portugal, but is
Speaker 1: there more than time? Is there like an actual number
Speaker 1: you want to reach for your net worth or your
Speaker 1: your portfolio before you know it's time to move.
Speaker 2: Yeah, I don't necessarily need to hit fire to move.
Speaker 2: I used to think that was the case, and it
Speaker 2: was because I was tied to my nine to five, right,
Speaker 2: So if I was going to stay in my nine
Speaker 2: to five, then I had to hit fire before I
Speaker 2: could quit my job. But I became financial independence sooner
Speaker 2: because of my business, so things as changed faster than
Speaker 2: I expected. But as far as financial independence, and I
Speaker 2: like to call it financial dependence, relax early because I
Speaker 2: think retiring just has this connotation that people get allergic
Speaker 2: to it. They hear it, they're like, oh my god, retiring.
Speaker 2: That sounds so done over right, And I'm like, it's
Speaker 2: not that. It's just a moment where now you can
Speaker 2: pause and decide what do you want your life to look? Like?
Speaker 2: That's what it is. It gives you all the freedom
Speaker 2: to decide. So for me, like I said, financial independence,
Speaker 2: relax early, I definitely have a number because I'm very
Speaker 2: goal oriented, so I think it's important to have a number.
Speaker 2: And so right now that number is one and a
Speaker 2: half million, and that's just for me. But what I
Speaker 2: a new term that I think I've coined. I haven't
Speaker 2: heard anybody else use it is family fire, which it
Speaker 2: means like, is there anybody else, like extended family or
Speaker 2: someone outside of your household that you're also saving and
Speaker 2: investing for which I am, which is my mom. So
Speaker 2: our family fire number is actually two million, right so
Speaker 2: to cover both me and my mom. And this is
Speaker 2: all assuming that I am withdrawing somewhere between like fifty
Speaker 2: to seventy thousand dollars a year to cover both my
Speaker 2: living expences and her living expenses. So that's like where
Speaker 2: you know, I'm directionally going. Obviously, things can change. That
Speaker 2: number can go up, that number can go down. And
Speaker 2: that's the beauty of fires that you're supposed to be
Speaker 2: super flexible. Right, things can change, like the market can change,
Speaker 2: Your plans can change. A lot of people think that
Speaker 2: like you're locked in and then that's it, or that
Speaker 2: you're living this pretty miserable, frugal lifestyle, right, pinching pennies,
Speaker 2: cutting coupons, not enjoying yourself. Totally not true. I travel,
Speaker 2: I spend money leggings, I bought a peloton. I you know,
Speaker 2: the thing is what I've realized is that I've learned
Speaker 2: how to value what I want to spend my money on,
Speaker 2: Like what am I going to do to It's like
Speaker 2: the Marie condo of spending, Like, you know, what is
Speaker 2: going to bring me the most joy, I'm going to
Speaker 2: double down on those things and I'm going to cut
Speaker 2: out all the junk. And you feel a lot more
Speaker 2: like fulfilled when you do that.
Speaker 1: When you talk about family fire, I like that expression
Speaker 1: because I think especially that is a point of view
Speaker 1: that isn't typically you know, spoken about, because the people
Speaker 1: who generally lead conversations about fire are you know, white men,
Speaker 1: white women, white families, and typically they may not have
Speaker 1: to take care of a family or take them along
Speaker 1: with them because their families are fine already. But especially
Speaker 1: for you, you know, you're being an immigrant with your
Speaker 1: with your mom, wanting to take care of her and
Speaker 1: your your siblings as well. Do you feel like I
Speaker 1: want to like phrase us the right way because I
Speaker 1: got this question when I came clean. I published a
Speaker 1: story on CNBC about my net worth and how it's grown,
Speaker 1: and one of my really good friends called me up
Speaker 1: and he's like, aren't you afraid people are going to
Speaker 1: be coming with their hands out, you know, trying to
Speaker 1: get those coins. And my reaction was just like no, no,
Speaker 1: I mean it's not in a way where it's I
Speaker 1: feel obligated to take care of people, but it's like
Speaker 1: that's the point, the point of breaking you know, generational
Speaker 1: poverty and generational like lack of knowledge of financial, financial
Speaker 1: finances and the financial markets is to help them see
Speaker 1: what's possible in a way, And I wonder there's a
Speaker 1: flip side though, It's like you'd be surprised how much
Speaker 1: family doesn't want your advice when you are like the
Speaker 1: money person, and so I'm wondering what the dynamic is
Speaker 1: for you with your siblings, with your mom. Do you
Speaker 1: feel like they they are coming to you for advice.
Speaker 1: Are you trying to like show them the way or
Speaker 1: are you just like, hey, uh, hop on this fire train.
Speaker 1: Don't worry about how we're getting there, but like, come on,
Speaker 1: let's go.
Speaker 2: That's kind of how I did it with my mom,
Speaker 2: you know. She my mom basically was the stereotypical Latina mom,
Speaker 2: where like the man took care of everything, my dad
Speaker 2: took care of all the money in the household. She
Speaker 2: just followed it along. She took care of us, you know,
Speaker 2: that was her job. And so she is just now
Speaker 2: learning about money herself because she now has a business
Speaker 2: in Brazil. She has a little pet shop, and so
Speaker 2: she's learning about money herself. And I send my mom
Speaker 2: money every month. She doesn't have to work if she
Speaker 2: didn't want to, but she likes work. She's the first
Speaker 2: time that she's like independent, So she's stepping into that
Speaker 2: and I want to be encouraging of that. But I
Speaker 2: also want to make sure that my mom's taken care
Speaker 2: of and I tell her, Mom, I could send you
Speaker 2: much more, but I want you to know what the
Speaker 2: plan is so you can see what I'm doing with
Speaker 2: the money. And so I explained to her that I'm
Speaker 2: saving and investing for us, that my plan is for
Speaker 2: us to move to Portugal. What does she think of
Speaker 2: that I would like to buy her a home. She's like, yeah,
Speaker 2: that sounds amazing.
Speaker 1: So I was going down, totally down.
Speaker 2: So that's with my mom. With my sister, it was
Speaker 2: a little different. It took me months to be able
Speaker 2: to show her the power of investing and the stock
Speaker 2: market and everything. And it's funny because I'm like, dude,
Speaker 2: it's easier for me to teach strangers on the internet
Speaker 2: about this stuff than it was with you. And that's
Speaker 2: the you know how it is with family, Right, you're
Speaker 2: gonna approach family, it's always going to be there's going
Speaker 2: to be more skepticism there. But the funny thing is
Speaker 2: that we were both coaching each other because my sister's
Speaker 2: my business coach, and so here I am teaching her
Speaker 2: about money and she's teaching me about business, and so
Speaker 2: we were able to build that symbiotic relationship where now she's
Speaker 2: an investor, she has her solo for one K and everything,
Speaker 2: and she's helped me with my business, so it's worked
Speaker 2: out really well.
Speaker 1: I can think of a less passive thing than running
Speaker 1: a business. Like maybe we can be passive investors, but
Speaker 1: you can't be a passive There's I don't feel like
Speaker 1: there's a They call it passive income, but it's not
Speaker 1: really fair because you, dude, you're doing all of your
Speaker 1: own content. You kill it on the reels and whatever
Speaker 1: the tiktoks that you're doing, and it's like that work
Speaker 1: the amount of time to create the content that ain't passive,
Speaker 1: you know what I mean? What do you feel like
Speaker 1: you're working now more than ever to get to fire
Speaker 1: and it? But is it different because you you know,
Speaker 1: you're enjoying it more. Tell me what the dynamic is
Speaker 1: now for you and work.
Speaker 2: And I'm very again, I'm very transparent about my journey.
Speaker 2: I am not one of those people who was like, oh,
Speaker 2: I was able to do all of the things when
Speaker 2: I launched my business. You know, I still got my
Speaker 2: managers and I still got this and I still got
Speaker 2: to enjoy my life and balance you know, No, okay,
Speaker 2: there was no balance. I basically launched my business at
Speaker 2: the height of the pandemic, we were all locked inside.
Speaker 2: There was no balance in any of our lives. I
Speaker 2: think in that time we were all either being overworked, overstressed, overeating,
Speaker 2: over drinking. We were doing all the things to like
Speaker 2: self soothe, right, And so for me, I threw myself
Speaker 2: into my work. I threw myself into my business and
Speaker 2: so I worked like twelve fourteen hour days, but it
Speaker 2: didn't feel like work because I was, you know, working
Speaker 2: on something creative for the first time in my life.
Speaker 2: Being an attorney is the opposite of being creative. It's
Speaker 2: very rules based, right, It's very like, this is how
Speaker 2: we do this. And so with my business, I got
Speaker 2: to unlock a whole different side of my brain that
Speaker 2: I didn't even know was there, and so I was
Speaker 2: completely consumed with it. I absolutely loved it. And there
Speaker 2: is a lot of front loading when you start a business.
Speaker 2: You are going to do a ton of work in
Speaker 2: the beginning to like rev up and then eventually, if
Speaker 2: you do it right and you have a good coach,
Speaker 2: which I did. She taught me how to build systems right.
Speaker 2: You got to build systems and you have to start
Speaker 2: outsourcing things like if you don't start outsourcing things. If
Speaker 2: you think you can do all of the things on
Speaker 2: your own, you are going to burn out and your
Speaker 2: business won't last very long. And I'm like, I want
Speaker 2: this to be a sustainable business. Now. I work like
Speaker 2: ten twelve hours a week, you know, and most of
Speaker 2: that is creating content and just engaging with my audience
Speaker 2: on Instagram, which is stuff that I loved that I
Speaker 2: used to do for free, so now I get to
Speaker 2: do it as part of my business. So I am
Speaker 2: living like that their type of like do what you
Speaker 2: love and you never feel like you work a day.
Speaker 2: I always thought that would be but it's.
Speaker 1: True, except for all the ramp up. So tell me,
Speaker 1: I'm a baby business owner. I don't know if you
Speaker 1: have followed Brown Ambition, but I launched. Launch sounds like
Speaker 1: such an exciting and you know, a spectacular word, but
Speaker 1: I just you know, I posted on Instagram that I
Speaker 1: was setting up my own business in May or June,
Speaker 1: and tips always kind of dropping little business coaching gyms.
Speaker 1: But you are I feel like, you know, how are
Speaker 1: you so far ahead? But you're not even that far?
Speaker 1: Like you just you just quit your job in March,
Speaker 1: and I'm just I feel like I'm just kind of
Speaker 1: accepting the fact that I'm a you know, entrepreneur now,
Speaker 1: But tell me more, give me more tips. So, yeah,
Speaker 1: what were the things that what are the things that
Speaker 1: you're outsourcing that you feel like have helped your business
Speaker 1: grow and helped you get to a ten hour work week?
Speaker 2: Yeah, I mean, first of all, I got a virtual assistant.
Speaker 2: A virtual assistant. They're in the Philippines. So if you're
Speaker 2: starting out and you want to philip.
Speaker 1: Philippines, they're amazing. Where do you find them through upwork
Speaker 1: or like.
Speaker 2: Yeah, you can find them on fiver on upwork. There's
Speaker 2: a website that's like, I think it's called Online Assistance
Speaker 2: dot pH or something like that. Virtual Assistant dot pH.
Speaker 2: But they are amazing. Do not sleep on Philippine Virtual
Speaker 2: Assistance and so it's a great way to start. Eventually,
Speaker 2: I will need a personal assistant here in the States
Speaker 2: with me so that we can be on the same
Speaker 2: time zone. But right now it's all working out fine.
Speaker 2: But basically, what.
Speaker 1: Is that What is that VA doing that you find helpful?
Speaker 2: Yes, so they're doing a lot of the stuff in
Speaker 2: the background for me. So things that I used to do,
Speaker 2: like when I go do my monthly class, i'd have
Speaker 2: to email the list. I'd have to let everybody know
Speaker 2: when it's happening. Hey, going live. Now i'd have to
Speaker 2: do a tracking of who's buying, when they're buying. I
Speaker 2: have a community that's part of my course, and so
Speaker 2: I need to track who's still part of the community
Speaker 2: and whose community access has expired. They're doing all that tracking.
Speaker 2: They also upload my videos. Whenever I'm done doing my class,
Speaker 2: I have to upload the replay and send that out
Speaker 2: to everybody who attended. I used to do all this
Speaker 2: stuff manually, so I'd be done with my class and
Speaker 2: then I would spend another two three hours on my computer,
Speaker 2: like finalizing everything, uploading videos, editing videos to send that out.
Speaker 2: And now I literally just turn off my computer and
Speaker 2: I can go have a drink, you know, And they
Speaker 2: take care of everything like that. So that's something major
Speaker 2: that they do. They met. She manages my community where
Speaker 2: people's submit questions, so she collects all those questions for me,
Speaker 2: so at the end of the day, it's all like
Speaker 2: in a spreadsheet. I can just go in and like
Speaker 2: answer them. I coach my students two times a month,
Speaker 2: and I want to take it to the next level though,
Speaker 2: where I have an assistant also in my inbox, like
Speaker 2: answering my email, scheduling my press calls, talking to people
Speaker 2: about collaborations, Like I'm still doing all of that myself,
Speaker 2: managing my email, but that's going to be the next level.
Speaker 2: The one thing that I don't think I'll ever outsource
Speaker 2: is my social media content. Like that's my face. Obviously
Speaker 2: I need to be present. That's the way I connect
Speaker 2: with my audience. I write all my own captions, I
Speaker 2: create all my own social media, but I have hired
Speaker 2: a team to actually like post everything, so I don't
Speaker 2: have to sit there and post things anymore. Like I
Speaker 2: have somebody doing them, making sure everything's going through. If
Speaker 2: there's any glitches on Instagram, they take care of it.
Speaker 2: So I create all of the creative but I have
Speaker 2: people doing like the execution part of it. And you think, like,
Speaker 2: what's the big deal, Like posting something on Instagram takes
Speaker 2: two minutes. It doesn't. It takes time.
Speaker 1: You who are you telling? And with TikTok too, are
Speaker 1: you on TikTok? Are you TikTok? Are you the realst girl?
Speaker 2: No? I have two hundred thousand followers on TikTok.
Speaker 1: Oh shit, Okay, Yes, I feel like I said most
Speaker 1: of your content ig on ig because TikTok knows me
Speaker 1: too well and all they do is serve me. Plant content,
Speaker 1: plants and TLC doctor pimple popper content. Love it, Yes, well,
Speaker 1: I love that you're doing your own thing. And I
Speaker 1: think it's all about what you enjoy doing right, And
Speaker 1: I think it's doing the work that you enjoy at
Speaker 1: the parts of your job that you enjoy doing that
Speaker 1: and doing it unapologetically because I've heard, well, you've got
Speaker 1: to outsource your social and you've got to do this,
Speaker 1: and you've got to you know, outsource writing, you know,
Speaker 1: your articles. I would never have someone ghostwrite for me.
Speaker 1: I just I have done it, and I've I've had
Speaker 1: writers who or have people who have things ghosts written.
Speaker 1: I don't know. I can't even I'm trying. I have
Speaker 1: an admin she tried to write an email and even that,
Speaker 1: I'm like, oh no, no, no, this is how I
Speaker 1: would say it, Like I have a particular way of
Speaker 1: talking and speaking, and I'm like, maybe this isn't something
Speaker 1: I can outsource. But so I appreciate that it's about
Speaker 1: you know, but there's some things that I at least
Speaker 1: can identify that I don't you know that don't need
Speaker 1: the magic Mandy touch or the magic flair you know,
Speaker 1: or it's not even magic, just you know that personality,
Speaker 1: which at the end of the day, is how you're
Speaker 1: connecting to your community, right it's through they come to
Speaker 1: see you specifically talking about the topic that you're talking
Speaker 1: and using your point of view. How do you feel like,
Speaker 1: I mean, you're such a strong I mean, you're a
Speaker 1: strong woman with a strong point of view. I feel
Speaker 1: like it took me even longer to get to a
Speaker 1: place because my backgrounds in journalism. I was in the
Speaker 1: background interviewing the Delhians and the Tiffany's and learning a ton.
Speaker 1: But it wasn't until the last year where I kind
Speaker 1: of stood up and said, you know, I have a
Speaker 1: point of view. I have thoughts, I have I have ideas.
Speaker 1: I do have opinions and strong ones at that about
Speaker 1: how you know you manage your finances in your career
Speaker 1: and all of that. Where do you think that confidence
Speaker 1: came from for you? Because I admire it a lot.
Speaker 2: Thank you. I think I've always been very focused in
Speaker 2: my life. Well, I you know, don't put yourself through
Speaker 2: law school by yourself and pay off one hundred thousand
Speaker 2: dollars student loans when you don't have like a ton
Speaker 2: of focus. So I've always been a very focused person
Speaker 2: in my life. But that being said, I always credit
Speaker 2: my sister with helping me find my voice. Because when
Speaker 2: I first started my business, I'm like, should I talk
Speaker 2: about paying off debt? Should I talk about building credit?
Speaker 2: Should I talk about investing? I was trying to go
Speaker 2: all different directions. She's like, you can't be something for everyone.
Speaker 2: She's like, no one's going to listen to you if
Speaker 2: you try to serve too many people. Who can you
Speaker 2: serve the best? And what are you going to enjoy
Speaker 2: the most? And let's double down on that. And so
Speaker 2: when I realized that, yes, payoff debt is super important,
Speaker 2: managing money is super important. But the thing that I
Speaker 2: was feeling the most passionate and fired up about, no
Speaker 2: pun intended, was financial depenance. Right. It was the journey
Speaker 2: that I myself was personally going on, and I'm like, gosh,
Speaker 2: I really want to bring people with me. I don't
Speaker 2: want to, you know, be alone in this journey. I
Speaker 2: always also felt kind of alone when I started, and
Speaker 2: so it was, you know, from a selfish blaze of
Speaker 2: like not wanting to be by myself and wanting to share,
Speaker 2: and it's what I was educating and consuming at the moment.
Speaker 2: I was just reading everything I could touch about this subject.
Speaker 2: And so my sister, you know, was like, well, let's
Speaker 2: do that. Let's focus on financial independence, let's focus on investing.
Speaker 2: This is what you're you know, it seems to be
Speaker 2: like your passion project, and let's grow from there. And
Speaker 2: so having that direction helped to like clear out a
Speaker 2: lot of noise, and I didn't waste a lot of
Speaker 2: time because I think with the new entrepreneurs, unfortunately, finding
Speaker 2: your voice is something where a lot of your like
Speaker 2: that initial rev up, that initial oh my god, I'm
Speaker 2: so motivated, I'm feeling so passionate. You can waste a
Speaker 2: lot of that good energy just finding your niche. And
Speaker 2: so if you can kind of clear through that pretty
Speaker 2: quickly and just get to the point where you're like
Speaker 2: launching your offer, like what is it that you're going
Speaker 2: to sell? Just sell it, you will save a lot
Speaker 2: of headaches, right, And what I always tell people is like,
Speaker 2: don't worry about the branding. It doesn't matter what your
Speaker 2: colors are, It doesn't matter what kind of website you have.
Speaker 2: I did not just launch a website. I launched my
Speaker 2: website two months ago. So I hit a million dollars
Speaker 2: in revenue in my business without a website.
Speaker 1: Wow, okay, you don't need a website.
Speaker 2: So you need a landing page to sell your product.
Speaker 2: That's it.
Speaker 1: Yeah, so let's talk about that product. Because so you've learned,
Speaker 1: You've learned the stock market? What is it that? So
Speaker 1: you have a course, you have a community what? So? Yeah,
Speaker 1: tell the BA audience where they can find your content
Speaker 1: and what they can expect when they do.
Speaker 2: Sure. So I launched Slay the stock Market a year ago.
Speaker 2: Actually it was exactly September a year ago, and I
Speaker 2: reached her class. I think you. I've taught the class
Speaker 2: live to ten people, and I was ecstatic because I'm like,
Speaker 2: oh my god, I can't believe ten people showed up
Speaker 2: for this. Amazing. And so I took all of that
Speaker 2: content that I created for that class and then I
Speaker 2: message just like, well, let's turn this into a course.
Speaker 2: You know, like you did it. You did all the
Speaker 2: heavy lifting. You taught it, you created it, Let's turn
Speaker 2: it into a course. And so I you know, packaged
Speaker 2: it in a in a digital way where people can
Speaker 2: like purchase it altogether. And so now it's a digital
Speaker 2: course that you can purchase, you can watch at your
Speaker 2: own pace, and coupled with access to me with you know,
Speaker 2: group coaching. So I go live twice a month and
Speaker 2: I answer questions and I guide people through the material.
Speaker 2: And so that combination of those two things is basically
Speaker 2: you know, the product, and that's what I've been selling.
Speaker 2: That's the only offer I have. I have no other products.
Speaker 2: This is it.
Speaker 1: Okay, there's no Delian t shirt, no Delian tote bag.
Speaker 2: Nope, there's nothing else. So that's another misconception. People are like, oh,
Speaker 2: I need multiple products, you know, to have a successful business.
Speaker 2: Let me do this, let me do that. I barely
Speaker 2: do sponsored content. I don't even like doing sponsored ads,
Speaker 2: all right, I don't like it. I'm very picky with it.
Speaker 2: I've done maybe six or seven collaborations total in the
Speaker 2: entire time that I've been in business. So for me,
Speaker 2: I'm very picky about what I you know, who I
Speaker 2: collaborate with. And but that's it. The ninety five percent
Speaker 2: of the money that I've made in my business has
Speaker 2: come from my course. The other five percent has come
Speaker 2: from a few sponsorships and from speak engagements. I do
Speaker 2: do workshops like corporate workshops, so I've done one for Google.
Speaker 2: I've done one for Hubble, so I do do that
Speaker 2: as well, but the bulk of it has come from
Speaker 2: this course.
Speaker 1: That's exciting. So I mean, how do you keep that
Speaker 1: fresh and engaging for yourself? Like? Do you It's only
Speaker 1: been a year, and again I'm not trying, Like you know,
Speaker 1: I'm not listen. I have one baby and already people'
Speaker 1: he's about to turn two. And just this morning, I'm
Speaker 1: my mom was calling and she's like, no, no, it's
Speaker 1: never that direct. It's always like today. It was today
Speaker 1: it was I don't know, man, how are you going
Speaker 1: to top this kid? I'm like, what do you mean?
Speaker 1: How am I going to top them?
Speaker 2: Well?
Speaker 1: When you know it's going to be a tough act
Speaker 1: to follow when you have the next And I'm like, babe,
Speaker 1: I don't know, Just like I can't. I'm on the
Speaker 1: way at the grocery store. I don't want to talk
Speaker 1: about right now, disconnected, Sorry, but when you think about
Speaker 1: you're so passionate and especially about educating Latinas in this community,
Speaker 1: what do you think is next? Is there a next level?
Speaker 1: Is there something else that you want people to learn
Speaker 1: about that you're equally passionate about.
Speaker 2: I mean, now that I have launched the business from
Speaker 2: beginning to end, right, I feel like the next progression
Speaker 2: is helping people to understand social media better because I
Speaker 2: absolutely love it, and I'm now noticing that people do
Speaker 2: struggle with creating content and creating social media and understanding,
Speaker 2: you know, how to create engaging content. For me, it's
Speaker 2: something that comes really natural to me. Again, I think
Speaker 2: we tend to downplay our gifts because because something comes
Speaker 2: naturally to you doesn't mean that it doesn't have value
Speaker 2: of you teaching it to someone else. And so that's
Speaker 2: something that I've done my whole life, is like, oh,
Speaker 2: I understand this, so everybody else must too, and you
Speaker 2: just assume, right. So I'm learning to like not do that,
Speaker 2: but I think learning, you know, teaching people how to
Speaker 2: grow on Instagram, on TikTok and and launch their own businesses.
Speaker 2: I think that will probably be the next progression because
Speaker 2: I get business questions all the time, and so I
Speaker 2: love talking about that just as much as investing. So
Speaker 2: that would probably be the next product, but not for
Speaker 2: a while. I'm like, I just feel like with investing,
Speaker 2: it's incredible to me that people try to do so
Speaker 2: much when it comes to the personal finance base because
Speaker 2: I'm like, how I learned something new about investing every day,
Speaker 2: So you know when people are like, oh, why don't
Speaker 2: you branch out into this? Why didn't you branch out
Speaker 2: into this? And I'm like, I feel like I am deeply,
Speaker 2: you know, involved in investing because it's like there's constantly
Speaker 2: new laws coming out, new regulations, just like just like
Speaker 2: employment law. When I was an employment attorney, I'm like,
Speaker 2: I couldn't imagine doing any other kind of law because
Speaker 2: there's constantly new case law coming out and keeping things fresh.
Speaker 2: And that's how I'm thing is. I mean, Biden is
Speaker 2: about to pass a ton of new laws that's going
Speaker 2: to change the game, So I feel like that keeps
Speaker 2: things really fresh and interesting.
Speaker 1: Yeah, and tax codes too. I've never cared so much
Speaker 1: about the tax code until so much. Yes, God, I
Speaker 1: wish I could keep talking to you and asking you
Speaker 1: a million questions, but I do want to get to
Speaker 1: y'all's questions. You know, you got to tune in for
Speaker 1: our B a Q and A show on Fridays. But
Speaker 1: let me let me close with this. I mean, because
Speaker 1: I think just from the outside looking at obviously, it
Speaker 1: seems like Delianne, you just got here and you're already
Speaker 1: killing the game. And you know, I'm learning a lot
Speaker 1: just from watching you, and I'm I'm just loving it
Speaker 1: because it feels like there's more people at the cookout now.
Speaker 1: It's just it's a party, you know what I mean,
Speaker 1: Like there's just more voices, and I just I really
Speaker 1: relate to your content as well. What makes you proudest
Speaker 1: about your platform and the work that you're doing now
Speaker 1: thinking about where you've come from and where you are now,
Speaker 1: I mean, what what brings you the most story? And
Speaker 1: you're like, yeah, I did the damn thing.
Speaker 2: Yeah, I am just so proud that I'm opening the
Speaker 2: door for so many people to think about money in
Speaker 2: a different way. I've been approached by so many people saying,
Speaker 2: you know, I've heard other people talk about this, talk
Speaker 2: about investing in the stock market, but I didn't trust them,
Speaker 2: and I trust you, and I take that really seriously.
Speaker 2: I'm like, wow, like having somebody's trust. I don't take
Speaker 2: that lightly, you know. And so I don't know if
Speaker 2: that's from me being an attorney or it's just you know,
Speaker 2: hopefully I could say it's part of my character and
Speaker 2: my integrity, but I take that really seriously. I think
Speaker 2: that I'm out there representing our community, and I try
Speaker 2: to do it, you know, with nobility and with honesty.
Speaker 2: And I always try to tell my audience like, I'm
Speaker 2: trying to be as transparent as possible. Probably a little
Speaker 2: too much. My mom's like, do you need to be
Speaker 2: as transparent? Yeah, some people are a little concerned. But
Speaker 2: I'm really proud of the movement that I'm seeing in
Speaker 2: the Latino community because I think for a long time
Speaker 2: we have been fearful of the financial industry with cause
Speaker 2: like we have been we have been targeted, we have
Speaker 2: been abused, we have been neglected by the financial community,
Speaker 2: and so I feel like I'm trying to bridge some
Speaker 2: of that gap. And I think I'm you know, making
Speaker 2: my own little dent in a way. And so whenever
Speaker 2: I do meet a new Latino Latina who is like, dude,
Speaker 2: I started investing because of you. Thank you so much
Speaker 2: for everything that you did. That is that's a huge,
Speaker 2: huge compliment, and I am honored that anybody is using
Speaker 2: my content to change their life. It's amazing.
Speaker 1: I love that I lied, though, I have another question.
Speaker 1: I can't stop thinking about what an extraordinary story you
Speaker 1: have and the fact that you got citizenship just how
Speaker 1: many years ago? Four or five years ago?
Speaker 2: Yeah, I became a citizen in twenty fifteen, so right
Speaker 2: before the presidential so the Trump was that my first time.
Speaker 1: I wanted to ask, what's your relationship? I'm still figuring
Speaker 1: out and I you know, I feel like Michelle Obama,
Speaker 1: she got into some hot water. I'm not at all
Speaker 1: Michelle Obama's level, but whenever anybody tries to be a
Speaker 1: tiny bit critical of our country, I feel like people
Speaker 1: get really upset about it. But you know what, Hey,
Speaker 1: you like your families. I feel like the country is
Speaker 1: my family, so I can be a little critical. You know,
Speaker 1: it's Thanksgiving and you come over and it's like, oh,
Speaker 1: did you gain weight? Like we can say that, but
Speaker 1: what is your relationship like with this country? Now? I
Speaker 1: mean you you came here undocumented at eight years old.
Speaker 1: You're from Brazil, you you kill yourself in school to
Speaker 1: become an attorney. You get saddled with six figure debt
Speaker 1: and by the way, got no financial aid because you
Speaker 1: weren't you know, a citizen. You you pay that debt off.
Speaker 1: Now you're teaching people to be stock market investors and
Speaker 1: empowering women and in the Latin X community, how do
Speaker 1: you feel about this country? And you're about to leave us?
Speaker 1: And I'm kind of like, well, damn, we're losing a
Speaker 1: good one. But how has that changed? How has your
Speaker 1: relationship change with America?
Speaker 2: Yeah? I mean it's always going to be complex, right,
Speaker 2: And I think the most beautiful thing about where we
Speaker 2: live is the fact that just because I'm proud to
Speaker 2: be here and I fought really hard to become an
Speaker 2: American citizen and I'm so glad i am, that doesn't
Speaker 2: mean that I don't have a right to criticize my
Speaker 2: country like I have every right and I do. You know,
Speaker 2: I tell people all the time that capitalism is a
Speaker 2: problematic system, right, but we can't just opt out of it.
Speaker 2: So this idea of like, oh, capitalism, you know, is
Speaker 2: the core of everything. It's the reason why we're in
Speaker 2: the trouble that we are, So you shouldn't invest, you
Speaker 2: shouldn't put your money in these companies because that's part
Speaker 2: of the problem. And I'm like, that's not going to
Speaker 2: solve the problem. Like taking yourself out of the room,
Speaker 2: giving up your seat at the table is not going
Speaker 2: to solve the problem. If anything, I want more seats
Speaker 2: at the table. I want more voices at the time
Speaker 2: so that we can change the conversation. So that's how
Speaker 2: I see it. I see it as like money is
Speaker 2: going to give us a voice, because that is what
Speaker 2: is the loudest in this country, is money, and it's
Speaker 2: going to give us an opportunity to like say what's
Speaker 2: important to us, right, like, especially for Latinos, like we
Speaker 2: are such a force in this country, so we have
Speaker 2: to come together and show our voice. So for me, yeah,
Speaker 2: it's always going to be a complicated relationship with America,
Speaker 2: especially you know, going through the immigration process like I did.
Speaker 2: But I will never deny that my life is one
Speaker 2: hundred times better living here than it would have it
Speaker 2: would have been if I had stayed in Brazil. For sure.
Speaker 2: If I had been in Brazil, I think, yeah, my
Speaker 2: life would have been completely different. I probably would have
Speaker 2: like three or four kids. By now, this is literally
Speaker 2: the life that my cousins are living. They all have
Speaker 2: three or four kids, their stay at home moms. Not
Speaker 2: if there's anything wrong with that life, but it wasn't
Speaker 2: the life that I feel like I was, you know,
Speaker 2: dea to live. It would have just been the life
Speaker 2: that you live because of the situation that you're in,
Speaker 2: Like you, I would have been stripped of any other
Speaker 2: choices basically, So I'll never deny the opportunities that I've
Speaker 2: been given here. But that doesn't mean that there aren't
Speaker 2: points valid points to criticize.
Speaker 1: Yeah, and I feel like you even deserve more opportunities
Speaker 1: to criticize because, like I was just born here, I
Speaker 1: needed to try that hard, you know what I mean,
Speaker 1: Like you had to work for it. So yeah, can
Speaker 1: we can we hear what Delianne has to say about
Speaker 1: this country? You know what I mean? So we we
Speaker 1: didn't take a quick break, and then we're gonna come
Speaker 1: back and do one of my favorite segments, brown Boost,
Speaker 1: Brown Break. Are you ready?
Speaker 2: I'm so ready?
Speaker 1: All right, let's take a quick break, Well a quick break.
Speaker 1: Will be right back with the beautiful and delightful Delianne Bados.
Speaker 1: We are back. All right, Delianne, I'm putting you in
Speaker 1: the hot seat. You have some big budgeties to shoes
Speaker 1: to fill. What are you gonna do? Are you gonna
Speaker 1: boost or are you gonna break?
Speaker 2: Mmm? So I'm gonna do both because.
Speaker 1: I'll allow it.
Speaker 2: Yes, So I'm going to boost this meal prep company
Speaker 2: that I've been using because I needed to take a
Speaker 2: break from cooking.
Speaker 1: All right, Okay, okay.
Speaker 2: Cooking was just going it's it was taking over my life, Mandy.
Speaker 2: I just couldn't do it. I'm like, I especially when
Speaker 2: you're launching a business, you're gonna end up eating takeout
Speaker 2: every single day. And I'm like, Okay, something needs to stop.
Speaker 2: So if I searched far and wide for a company
Speaker 2: that actually delivers like fresh food to my door, they
Speaker 2: do it twice a week. It's not like frozen anything
Speaker 2: like that. It's not I'm not going to say the
Speaker 2: name of any other companies, but.
Speaker 1: You know what I mean, it's not for us to
Speaker 1: think of them.
Speaker 2: It's fresh delivered to my door. It's local to San Diego.
Speaker 2: And I'm like, that's the trick. When you're gonna find
Speaker 2: a company that's going to deliver food to your door.
Speaker 2: It has to be local. It can't be like shipped
Speaker 2: through the mail. So they deliver it fresh twice a week.
Speaker 2: It's delicious. It's woman owned. Can I say the name
Speaker 2: the company?
Speaker 1: Absolutely? Yeah, Okay, I'm waiting.
Speaker 2: Okay, good. The name of the company's Mikayla's. So if
Speaker 2: you're in San Diego, highly recommend. And it's been amazing.
Speaker 2: And now I have all this free time to do
Speaker 2: all the other things that I do, like making more tiktoks.
Speaker 1: Yes, the world needs more tiktoks. Okay, please don't work
Speaker 1: for yourself. That's awesome. I've tried. Yes, so no, I
Speaker 1: love that. I think I've tried all of the main
Speaker 1: I'm going off my microphone. Sorry, Dennis, I'm back. I'm
Speaker 1: back in the middle. Yeah, I think I've tried all
Speaker 1: of the same meal kit meal kit things, but especially
Speaker 1: the ones that come delivered. When I was on maternity leave,
Speaker 1: it was a it was a lifesaver just to have
Speaker 1: something I didn't have to think about, but just putting
Speaker 1: nutrients in my body. But like the taste soul begin
Speaker 1: to set, like taste the same, and that's that's awesome.
Speaker 1: So Mikayla's and it's local to San Diego, so we'll
Speaker 1: put a link to that in our show notes and
Speaker 1: shouts out to a woman's own business. Okay, so that's
Speaker 1: your boost. You said you got a break. What's it
Speaker 1: gonna be?
Speaker 2: Well, that was the break though. The break was I'm
Speaker 2: not cooking.
Speaker 1: So okay, we're taking a break from cooking. Okay, gotcha.
Speaker 1: And the boost was Mikayla's. I see what you did there.
Speaker 1: That counts, that counts. It's your first time. I would
Speaker 1: call that a full boost because it was all positive.
Speaker 1: But I feel you, I feel you. We missed the break,
Speaker 1: you know, when you had your breakdown from trying to
Speaker 1: cook and do your tiktoks at the same time. But
Speaker 1: it works, it works, it works. I'm gonna do a
Speaker 1: boost too, because I'm feeling pretty optimistic today. I don't
Speaker 1: have regular TV, so I don't watch primetime television anymore,
Speaker 1: so I didn't watch the Emmys, but thank goodness for
Speaker 1: IG because I was able to watch the incomparable Debbie
Speaker 1: Allen's acceptance speech. So, Debbie Allen, are you familiar with
Speaker 1: her or her work? If you're a graat's anatomy fan.
Speaker 1: I'm like, you know, stand for the beginning. That is
Speaker 1: where I became familiar with her as as Catherine, doctor
Speaker 1: Catherine Wait while Avery on Gray's Anatomy. But she is
Speaker 1: so much more than an actress. Debbie Allen is iconic
Speaker 1: as a dancers, as someone who's created opportunities for black
Speaker 1: and brown especially youth to become to get a career
Speaker 1: in dance and to find their way. And she's a
Speaker 1: director and amazing, amazing, and she won the Spectacular Award
Speaker 1: at the Emmys, the Governor's Award or something miraculous. But
Speaker 1: her speech was just so powerful and I encourage anyone
Speaker 1: who's listening right now to go find Debbie Allen's speech
Speaker 1: because to see, just see a black woman who has
Speaker 1: been doing the work for decades get her flowers. It
Speaker 1: doesn't get her flowers while she's still here, you know
Speaker 1: what I mean? Yes, I just feel like it doesn't
Speaker 1: happen enough. And her speech was at the very end
Speaker 1: she goes, you know, I want people to hear this
Speaker 1: speech from Texas women, to hear young women to hear
Speaker 1: this speech from Texas all the way to Afghanistan and
Speaker 1: be inspired. And I just love her so much so,
Speaker 1: shouts out to Debbie Allen.
Speaker 2: I usually don't watch a word show, but I'm like,
Speaker 2: now I'm gonna have to look that up because that
Speaker 2: sounds like it was worthy of watching. You know.
Speaker 1: I like to just look at the highlights. So what
Speaker 1: was the best speech? Who looked crazy? You know VMA's
Speaker 1: or this. I'm just now finishing the VMA's performances, and
Speaker 1: I know most of the performances this year. I feel
Speaker 1: like I'm catching up with the youth, and I.
Speaker 2: Feel like I'm not. And I'm on TikTok and I'm like,
Speaker 2: I don't know any of these musics, but I use
Speaker 2: them because they're trending. They're like, oh, you know the song.
Speaker 2: I'm like, no, it's trending. But I did catch like
Speaker 2: the met gala, Like that's always fun to see what
Speaker 2: nobody's wearing. So I did catch that. And I even
Speaker 2: made a meme of Kim Kardashian because everybody was.
Speaker 1: Me That's where I saw it. Yes, listen, we could
Speaker 1: spend an entire day about like what did you say?
Speaker 1: Her outfit was like the debt coming up the stairs
Speaker 1: to get you or something like that.
Speaker 2: I did a few I was like like, her sister
Speaker 2: was Friday, and then Kim was Sunday Scaries, and then
Speaker 2: the other one I did was her sister was leaving
Speaker 2: Corporate America, and then Kim was health insurance.
Speaker 1: Because oh yes, can we wait a second, we didn't
Speaker 1: talk about that. What do you do for health insurance? Yeah?
Speaker 2: I pay seven hundred dollars a month.
Speaker 1: For Cobra Cobra Okay, yeah, so I could.
Speaker 2: Have gone in the marketplace and gotten something cheaper. But again,
Speaker 2: it was one of those things where I did a
Speaker 2: cost benefit analysis of like how much do I want
Speaker 2: to aggravate myself shopping for health insurance so that I
Speaker 2: could potentially maybe save two hundred dollars a month, which,
Speaker 2: by the way, I'm not denying that two hundred dollars
Speaker 2: a month is a lot of money, but for me personally,
Speaker 2: I'm like, is it worth it for me? And so
Speaker 2: I made the decision to keep the health insurance that
Speaker 2: I had. Again, I'm not planning to stay here forever,
Speaker 2: how much longer in the country, So by the time
Speaker 2: my Cobra runs out, hopefully i won't be here and
Speaker 2: I'll be on that sweet sweet Portugal insurance that is
Speaker 2: only one hundred dollars a month. Thank you, amen, So
Speaker 2: I am waiting for that.
Speaker 1: I'm so glad you brought that up. People think solopreneur
Speaker 1: life is so sexy, and it's like, are you trying
Speaker 1: to have healthcare when you need it? Yeah, like you
Speaker 1: know what I mean, especially now of all time. So
Speaker 1: thanks for sharing that. Okay, this has been amazing, Delian.
Speaker 1: Thank you so much again for saving my as you say,
Speaker 1: my Kulo and us. Thank you because Tiffany, Tiffany is
Speaker 1: off on the west I think she's on your side
Speaker 1: of town. She's on the West coast doing something fabulous
Speaker 1: in California. So thank you so much. I'm just loving.
Speaker 1: Thank you for doing what you're doing. It's so fun
Speaker 1: to watch you sore and it's so it's just nice
Speaker 1: to meet you and put a put a voice to
Speaker 1: the faith and the name that I see so much.
Speaker 1: Thank you for joining us.
Speaker 2: Thank you for having me. This is an absolute honor.
Speaker 2: I love the show. I'm obsessed. And congratulations on launching
Speaker 2: your business too.
Speaker 1: Thank you. You know I'm doing it. All you gotta
Speaker 1: do is put it up on Instagram apparently, and you're
Speaker 1: a business owner. But it's amazing. All right, well, thank
Speaker 1: y'all for listening. Stick around Delian because we're going to
Speaker 1: take some questions for Friday's be A, Q and A.
Speaker 1: But for those of you who don't follow Delian the
Speaker 1: Money Coach, you have got to follow her. Check the
Speaker 1: show notes. We'll have all of her socials there. Find
Speaker 1: out how you can slay the stock market as well
Speaker 1: at her website, so definitely scroll on down to the
Speaker 1: show notes and get all of those links. All right,
Speaker 1: what a fantastic throwback episode. I love these episodes. It
Speaker 1: gave us a chance to take a little trip down
Speaker 1: memory lane and dig up some of our oldies. But goodies,
Speaker 1: make sure that you check out Brand Ambition every Monday,
Speaker 1: Wednesday and Friday. See you next time, bapam