WEBVTT - Slaying the Stock Market (How-To Monday) 0:00:00.160 --> 0:00:02.160 Hey, hey ba fam. It is one of the best 0:00:02.240 --> 0:00:04.960 days of the week time for a hallaback Monday. So 0:00:05.040 --> 0:00:07.400 whether you are a new fan of the show or 0:00:07.440 --> 0:00:09.800 you are someone who has been listening for the past 0:00:09.920 --> 0:00:11.880 nine years we have been on the air and you 0:00:12.039 --> 0:00:15.560 just want to revisit some of your faves. Monday episodes 0:00:15.560 --> 0:00:19.080 are for you because we dig into our archives and 0:00:19.239 --> 0:00:22.440 find one of our oldie but goodie episodes to share 0:00:22.440 --> 0:00:25.760 with you, and today's is super special. This was an 0:00:25.760 --> 0:00:28.320 episode when I was joined by a special guest and friend, 0:00:28.720 --> 0:00:33.560 Delianne Barros, a Brazilian born attorney turned investing coach who 0:00:33.640 --> 0:00:37.320 is empowering people across the country and globe to be honest, 0:00:37.920 --> 0:00:40.800 to learn how to invest and build wealth. So Delianne 0:00:40.880 --> 0:00:43.400 is going to talk about her investing strategy, how she 0:00:43.520 --> 0:00:46.760 transitioned from the legal field into becoming an investing coach, 0:00:46.880 --> 0:00:49.200 and how she actually packed up and moved her entire 0:00:49.240 --> 0:00:53.920 life to Portugal to get her own version of retiring early. 0:00:54.240 --> 0:01:13.120 Give it a listen and enjoy, Hey ba Fam. Mandy, 0:01:13.200 --> 0:01:18.480 here I am solo. This week Tiffany left me y'all no, 0:01:18.600 --> 0:01:23.000 in all seriousness, Tiffany got an extraordinary opportunity and we 0:01:23.120 --> 0:01:25.199 love those here. I mean, we don't call it Brown 0:01:25.240 --> 0:01:27.840 Ambition for nothing. So Tiffany is off doing her thing 0:01:27.880 --> 0:01:31.240 this week, and I have been saved by the one 0:01:31.360 --> 0:01:36.520 and only stock market slayer herself, delian the money Coach. 0:01:36.720 --> 0:01:39.319 You guys, I cannot wait for you to meet Delianne. 0:01:39.319 --> 0:01:43.160 In fact, selfishly, I'm kind of excited about this because 0:01:43.600 --> 0:01:45.640 with Tiffany being gone this week, it gave me a 0:01:45.720 --> 0:01:48.280 chance to reach out to delian and connect with her 0:01:48.800 --> 0:01:51.400 on ig. I just shot my shot and I said, 0:01:51.440 --> 0:01:54.000 I love your content, I love what you're doing. You're 0:01:54.000 --> 0:01:56.560 blowing up. I want you to come on Brown Ambition 0:01:56.720 --> 0:01:59.640 and share your story with our audience. And on top 0:01:59.680 --> 0:02:02.640 of that, it is Hispanic Heritage Month and it really 0:02:02.680 --> 0:02:05.440 meant a lot to me that we could showcase one 0:02:05.480 --> 0:02:09.000 of the baddest ass bad asses. I don't know how 0:02:09.040 --> 0:02:12.360 to say that, one of the best Latinas in the 0:02:12.440 --> 0:02:15.520 game right now. And the fact that there even is 0:02:16.040 --> 0:02:19.600 a huge influencer space now for Latina money coaches and 0:02:19.639 --> 0:02:23.359 money influencers, y'all, it has been a long time coming. 0:02:23.919 --> 0:02:26.080 I am a huge fan of Delianne. I know you 0:02:26.120 --> 0:02:28.240 guys will be too. When you hear from her. But 0:02:28.320 --> 0:02:30.480 let me do a quick intro. So if you don't 0:02:30.480 --> 0:02:33.280 know about Delianne, she is a Latina money expert and 0:02:33.440 --> 0:02:37.280 ex employment law attorney. Yeah, she was an entire attorney 0:02:37.400 --> 0:02:39.920 y'all before she pivoted. And she is going to talk 0:02:39.960 --> 0:02:42.680 about how she just quit her job less than what 0:02:42.840 --> 0:02:45.640 six months ago, and how she's now on track to 0:02:45.720 --> 0:02:49.240 retire by age forty five and move to where, of course, 0:02:49.280 --> 0:02:53.440 to Portugal like everybody else, it seems. Through her business, 0:02:53.480 --> 0:02:56.560 delian the Money Coach, Delianne has a goal to show 0:02:56.600 --> 0:02:59.120 investors that they don't need to wait to become debt 0:02:59.120 --> 0:03:02.680 free or earn six figures in order to reach financial freedom. 0:03:03.320 --> 0:03:07.240 Over twenty five hundred students have enrolled in her Sleigh 0:03:07.320 --> 0:03:09.920 the Stock Market course, which you can find at the 0:03:10.000 --> 0:03:14.600 link in the show notes, and Delian's been featured everywhere CNN, 0:03:14.880 --> 0:03:18.840 Time Business Insider, all highlighting her work in support of 0:03:18.919 --> 0:03:22.000 financial literacy, and of course check out the show notes 0:03:22.040 --> 0:03:25.560 to follow her on Instagram and TikTok under her handle 0:03:25.680 --> 0:03:28.680 delian the Money Coach. Now let me get out of 0:03:28.680 --> 0:03:31.840 my own way, Tiffany, we hope you are slaying over 0:03:31.960 --> 0:03:35.480 in La doing your thing. In the meantime, I'm so 0:03:35.560 --> 0:03:38.840 excited to introduce you guys to delian So here is 0:03:38.920 --> 0:03:42.680 our conversation and be sure to come back Friday when 0:03:42.680 --> 0:03:47.080 we air our Baq and A episode. Delianne stuck around 0:03:47.160 --> 0:03:51.200 and she helps me tackle y'all's questions this week. All right, 0:03:51.280 --> 0:03:55.600 here we go, here's the show. All right, delian thank 0:03:55.680 --> 0:03:58.960 you so much for joining Brown Ambition. Thanks for saving 0:03:59.000 --> 0:03:59.840 my butt on. 0:04:00.920 --> 0:04:03.960 I am honored. You can call me anytime and I'll 0:04:03.960 --> 0:04:04.360 be here. 0:04:04.920 --> 0:04:08.360 Just slid into your DMS. Well, listen, you are I mean, 0:04:08.680 --> 0:04:10.760 we don't have we don't have co hosts that often. 0:04:11.080 --> 0:04:13.640 We did have a few this past summer. And one 0:04:13.680 --> 0:04:16.480 of my favorite things about inviting someone to sit in 0:04:16.520 --> 0:04:20.400 the chair, the virtual chair across from me, is genuinely 0:04:20.720 --> 0:04:24.120 every story is so unique, and yours is definitely one 0:04:24.160 --> 0:04:26.280 that I have been following. It feels like for the 0:04:26.320 --> 0:04:29.200 past year you've just blown up and I'm like, what 0:04:29.400 --> 0:04:33.240 is she doing? She's got this, You've got this amazing platform. 0:04:33.440 --> 0:04:38.560 You are empowering Latina women, especially to take charge not 0:04:38.680 --> 0:04:42.159 just of their finances but of the stock market, which 0:04:42.400 --> 0:04:45.040 is just something that until a couple of years ago 0:04:45.320 --> 0:04:49.360 there just wasn't really anybody I feel like representing that space. 0:04:49.440 --> 0:04:53.960 So thank God, thank Goodness for you and others like you, 0:04:54.080 --> 0:04:56.400 and thank you for joining Brown Ambition. 0:04:57.000 --> 0:04:59.359 Of course, thank you for having me. I'm always flattered 0:04:59.600 --> 0:05:03.960 and I love spreading this idea that things are changing, 0:05:04.520 --> 0:05:08.160 like the conversation around money's changing, the people who are 0:05:08.160 --> 0:05:11.000 talking about it are changing, and I'm like so honored 0:05:11.000 --> 0:05:12.039 to be part of that movement. 0:05:12.880 --> 0:05:15.880 Yeah, I mean when you so your background, I mean, 0:05:15.920 --> 0:05:18.640 first of all, you've got you've had a bunch of 0:05:18.680 --> 0:05:20.880 different lives, it feels like professionally, but you were an 0:05:20.920 --> 0:05:24.680 attorney and then you transition from being a badass attorney 0:05:24.720 --> 0:05:29.280 to an editor for like a legal publication, right, and 0:05:29.320 --> 0:05:32.800 then you quit entirely and now you are delhi Enbado 0:05:32.920 --> 0:05:37.000 Slay the stock market, teaching investing courses online. But let's 0:05:37.040 --> 0:05:39.720 back it up, because I've been reading up on you 0:05:39.839 --> 0:05:42.919 and I didn't realize you're originally from Brazil, And is 0:05:42.920 --> 0:05:45.160 it true that you came to the US and for 0:05:45.200 --> 0:05:49.039 a long time you were actually undocumented. So tell me 0:05:49.080 --> 0:05:51.640 about that, tell me about your origin story and sort 0:05:51.680 --> 0:05:54.640 of how you have gotten to where you are today, 0:05:54.720 --> 0:05:58.479 because that is such an incredible and unique story that 0:05:58.520 --> 0:06:00.320 I don't think many people know about you. 0:06:01.080 --> 0:06:04.760 Yeah. I mean it's funny because it doesn't seem like 0:06:04.800 --> 0:06:09.000 that long ago, but I'm like, wow, it's been a lifetime. So, yeah, 0:06:09.000 --> 0:06:12.640 my father got laid off in Brazil and there aren't 0:06:12.640 --> 0:06:15.520 that many opportunities where we're from, so he packed us 0:06:15.600 --> 0:06:18.200 up brought us to the US. I was eight years old, 0:06:18.400 --> 0:06:22.880 my sister was four, and we moved to Miami and 0:06:22.920 --> 0:06:25.200 that's pretty much like where I grew up from eight 0:06:25.320 --> 0:06:31.120 to twenty one. And yeah, we were on documented, all 0:06:31.200 --> 0:06:35.640 of us, so we were pretty much coached by our parents, 0:06:35.720 --> 0:06:41.599 like stay out of trouble, go to school, you know, like, 0:06:41.680 --> 0:06:44.880 don't misbehave, don't act out, because we can't bring attention 0:06:44.960 --> 0:06:48.320 to ourselves, right, Like, every moment could be a risk 0:06:49.200 --> 0:06:53.520 for one of us being sent back. So growing up 0:06:53.520 --> 0:06:56.839 with that fear looming over you is something that you 0:06:56.839 --> 0:06:59.400 don't ever really let go of, right. It's something that 0:06:59.560 --> 0:07:02.560 is still a part of me today. Anything having to 0:07:02.560 --> 0:07:05.560 do with immigration still gets me like sweating, even when 0:07:05.600 --> 0:07:07.000 I go to the airport and you have to go 0:07:07.080 --> 0:07:11.280 through immigration. Here I'm standing here with my American passport, 0:07:11.320 --> 0:07:14.560 which I've wanted my entire life, and I didn't get 0:07:14.600 --> 0:07:17.440 till what three four years ago. I became a citizen 0:07:18.040 --> 0:07:22.480 and I still get like the sweats. So yeah, we 0:07:22.480 --> 0:07:26.120 were documented because we came over as tourists. We overstayed 0:07:26.120 --> 0:07:30.360 our visa, you know, not something that was I was 0:07:30.400 --> 0:07:32.480 consulted about. I was eight years old and. 0:07:32.560 --> 0:07:39.440 I haven't none spoke English. None of you spoke English either, okay. 0:07:40.160 --> 0:07:42.679 And so we all learned, you know, tray by fire. 0:07:42.880 --> 0:07:46.320 I was an esaul. I was bullied during school, you know, 0:07:46.480 --> 0:07:52.200 typical treatments that you get when you're a foreigner, when 0:07:52.240 --> 0:07:55.040 you're different, right, and when you're growing up in elementary 0:07:55.120 --> 0:07:57.280 high school, if you're different at all, you're gonna get bullied. 0:07:57.560 --> 0:08:00.800 So this was part of that. But thankfully I was 0:08:00.800 --> 0:08:03.800 in Miami. I definitely wasn't the only one, but growing 0:08:03.880 --> 0:08:10.120 up there was a little claustrophobic. So finally I did 0:08:10.120 --> 0:08:12.920 get my papers, I did become a resident, and I 0:08:13.120 --> 0:08:17.239 just immediately enrolled in college, put myself through law school. 0:08:17.800 --> 0:08:21.720 I paid all my student loan offs last year, which 0:08:21.760 --> 0:08:23.440 was a whole one hundred and fifty thousand dollars. 0:08:23.680 --> 0:08:25.680 Let's just pause there for a second, because it was 0:08:25.720 --> 0:08:28.120 a hundred and you're making it sound like, yeah, I 0:08:28.160 --> 0:08:31.320 just did this, I got my papers. Yeah whatever, Well 0:08:31.360 --> 0:08:33.960 just checking the boxes one hundred and fifty k. Yeah, 0:08:34.000 --> 0:08:37.000 everyone can do that. Uh huh. Now I'm going to 0:08:37.040 --> 0:08:39.520 retire in Portugal. But let me slow it down. Okay, 0:08:39.880 --> 0:08:44.360 law school? Why law school? Why was that where? Why 0:08:44.520 --> 0:08:47.920 was that sort of your your profession of choice? And 0:08:48.559 --> 0:08:52.040 talk to me about the I mean, this thread of 0:08:52.080 --> 0:08:55.600 the mental toll of that fear. You know, I don't 0:08:55.600 --> 0:08:57.719 know if your parents are citizens now or what their 0:08:57.720 --> 0:09:00.760 status is, but tell me about that year and how 0:09:00.800 --> 0:09:03.920 that sort of led you into your decision making when 0:09:03.960 --> 0:09:06.240 you were when you were figuring out school and your career. 0:09:07.120 --> 0:09:10.600 Yeah, it was terrifying because and it was also heartbreaking 0:09:10.600 --> 0:09:13.480 because I saw all my classmates making big plans to 0:09:13.520 --> 0:09:16.280 go to these colleges. They were getting scholarships, they were 0:09:16.280 --> 0:09:19.640 getting financial aid. I didn't qualify for any of those things. Right, 0:09:19.720 --> 0:09:21.920 So I'm graduating at the top of my class in 0:09:22.000 --> 0:09:27.200 high school and I'm stuck. I'm pretty much frozen. There 0:09:27.320 --> 0:09:29.400 is no assistance for anybody like me. I would go 0:09:29.480 --> 0:09:31.440 to the school counselor, I would talk to the principal. 0:09:31.880 --> 0:09:33.599 There's like, there's nothing we can do. So I was 0:09:33.640 --> 0:09:36.480 basically on my own until I figured out the immigration 0:09:36.840 --> 0:09:41.920 situation on my own. But once that got resolved, I'm like, Okay, 0:09:41.960 --> 0:09:44.000 I could start living my life because I literally felt 0:09:44.000 --> 0:09:46.199 like my life was on pause. And why did I 0:09:46.240 --> 0:09:48.240 choose law school? Well, it was either that or medical 0:09:48.240 --> 0:09:51.880 school because like any other immigrant, I'm like, I have 0:09:51.920 --> 0:09:56.679 to overcompensate for all of my parents, you know, shortcomings, 0:09:58.240 --> 0:09:59.960 And so I'm like, which one is it going to be? 0:10:00.080 --> 0:10:03.360 I always knew I wanted to help people. Math completely 0:10:03.440 --> 0:10:08.200 terrified me, even though I took calculus. Well whatever, I decided, 0:10:08.240 --> 0:10:10.800 let's go to law school, no math. And then I 0:10:10.840 --> 0:10:13.080 was deciding whether I was going to do immigration or 0:10:13.120 --> 0:10:17.160 employment law. So I did my internship and immigration and 0:10:17.280 --> 0:10:19.920 I tested that out, and I don't know, maybe it 0:10:19.920 --> 0:10:22.640 was a little too close to home. It was just 0:10:22.679 --> 0:10:24.520 too emotional for me. But I'm like, how can I 0:10:24.559 --> 0:10:28.600 still help this population through another way? And so I 0:10:28.679 --> 0:10:31.480 chose employment law and I did plain of side employment law. 0:10:31.600 --> 0:10:35.760 So I represented employees in discrimination cases, wage in hour cases, 0:10:37.520 --> 0:10:40.960 contract negotiations, you name it, right, I was doing those 0:10:40.960 --> 0:10:44.440 type of cases. And I did that for seven years litigation, 0:10:45.360 --> 0:10:48.200 and it was rewarding work. But if you've talked to 0:10:48.240 --> 0:10:55.080 any attorney, being an attorney is extremely stressful. You're getting 0:10:55.080 --> 0:11:00.440 stressed from all different levels, the partners, the clients, the 0:11:00.800 --> 0:11:06.080 your coworkers, everywhere, right, And it's just this constant stress 0:11:06.320 --> 0:11:09.520 and very little support, especially for people of color, especially 0:11:09.600 --> 0:11:12.880 for women of color. And so I felt very isolated 0:11:13.360 --> 0:11:15.960 and I felt overwhelmed, and I felt like I chose 0:11:15.960 --> 0:11:18.200 a profession again because I was trying to prove a 0:11:18.240 --> 0:11:22.760 point instead of really following my heart, you know. And 0:11:22.840 --> 0:11:25.440 so and also because I wanted financial security. God, I 0:11:25.520 --> 0:11:28.480 desperately want it. I was, you know, we were poor. 0:11:29.000 --> 0:11:32.480 I was living in Miami. I was living in an apartment. 0:11:32.640 --> 0:11:34.000 I tell people, I'm like, I used to live a 0:11:34.040 --> 0:11:35.880 broom by the door because I would come in and 0:11:35.920 --> 0:11:38.200 have to kill the cockroaches because it was like a 0:11:38.200 --> 0:11:41.920 little kitchenette, and it was there was no sink in 0:11:41.960 --> 0:11:43.720 the bathroom. I had to like brush my teeth in 0:11:43.760 --> 0:11:46.080 the shower. It was, you know, not a good situation. 0:11:46.440 --> 0:11:50.480 And so for me, education meant lifting myself out of poverty. 0:11:50.720 --> 0:11:53.640 Like I needed education to be that ladder for me 0:11:53.720 --> 0:11:57.200 out and it did. It did become that ladder, but 0:11:57.320 --> 0:12:01.400 it also trapped me in this capital less game that 0:12:01.440 --> 0:12:04.800 I didn't realize I was now part of. And so 0:12:04.960 --> 0:12:10.079 walking away from my legal career took a huge mindset 0:12:10.160 --> 0:12:11.160 chef for me to have. 0:12:11.360 --> 0:12:13.320 That was because that wasn't even that long ago, was it. 0:12:13.440 --> 0:12:14.480 I mean we're talking about. 0:12:14.240 --> 0:12:17.440 I mean I literally quit in March of this year. 0:12:17.559 --> 0:12:18.800 Wait, just this past march? 0:12:19.240 --> 0:12:22.400 Yeah, wow, March twenty twenty one, what I put in 0:12:22.480 --> 0:12:23.240 my notice. 0:12:23.960 --> 0:12:27.000 So that's a big milestone, especially for anyone who's like you. 0:12:27.040 --> 0:12:31.600 For example, you discovered the Fire movement, financial independence, retire early. 0:12:31.920 --> 0:12:33.520 When was that a couple of years ago? Or so 0:12:33.559 --> 0:12:34.560 when you discovered that movie? 0:12:34.679 --> 0:12:37.959 Yeah, twenty nineteen, twenty nineteen years soon, I'm heard of 0:12:38.000 --> 0:12:40.839 more aware, Like I discover something, I go all in. 0:12:41.880 --> 0:12:45.400 I'm finding that out. I'm like, good lord, we've been 0:12:45.400 --> 0:12:48.680 doing this show for six years anyway, So tell me, 0:12:48.760 --> 0:12:51.640 I mean, you discovered the fire movement, You're you quit 0:12:51.679 --> 0:12:54.319 your job less than a year ago. How has the 0:12:54.880 --> 0:12:56.960 what are your what do your parents think? What do 0:12:57.000 --> 0:12:58.000 your parents think of what you're doing? 0:12:58.080 --> 0:13:00.480 Yeah? I mean I unfortunately my dad's not in my life. 0:13:00.520 --> 0:13:04.360 But my mom is she lives in Brazil. She was 0:13:04.440 --> 0:13:06.360 just wrapping her head around the fact that I was 0:13:06.400 --> 0:13:09.440 an attorney. She's like, I'm starting to understand what I 0:13:09.480 --> 0:13:11.440 did and now I'm like, oh, I'm not that doing 0:13:11.440 --> 0:13:13.760 that anymore. Mom, I teach people about investing in the 0:13:13.800 --> 0:13:18.960 stock market. She's like what. But she's very supportive. She's like, 0:13:19.160 --> 0:13:21.520 she just wants to see us all happy and healthy, 0:13:21.960 --> 0:13:25.040 taken care of. So, yeah, we have this distant relationship 0:13:25.080 --> 0:13:28.360 because she's been living in Brazil for the last what 0:13:28.520 --> 0:13:29.800 twelve thirteen years? 0:13:30.240 --> 0:13:32.120 Oh so she went back when you were still, yeah, 0:13:32.160 --> 0:13:34.920 in your twenties or so, and you so you have 0:13:34.960 --> 0:13:35.640 a little sister. 0:13:35.760 --> 0:13:38.280 I have two little sisters, one that lives in Hawaii 0:13:38.840 --> 0:13:40.560 and one that lives in Colorado. 0:13:41.120 --> 0:13:44.120 So you guys take care I have siblings and where 0:13:44.320 --> 0:13:46.840 I feel you because my siblings live in different states too. 0:13:47.480 --> 0:13:49.640 And it's crazy because I feel like I spent my 0:13:49.640 --> 0:13:52.200 twenties just not really caring about the distance. But now 0:13:52.240 --> 0:13:55.000 that I'm in my mid thirties and I got a baby, 0:13:55.040 --> 0:13:58.079 I'm like, wait, why do you guys live so far away? 0:13:58.640 --> 0:14:02.360 But how important are you are those relationships to you. 0:14:02.360 --> 0:14:05.320 No, absolutely, And so my sister now lives in Hawaii, 0:14:05.360 --> 0:14:08.720 which is the closest we've been geographically in forever because 0:14:08.720 --> 0:14:12.000 she's live in Singapore. So now it feels like she's 0:14:12.080 --> 0:14:14.839 right there all of a sudden, but she'll probably be 0:14:14.880 --> 0:14:18.520 moving again. Yeah. Same as I've gotten older, I felt 0:14:18.520 --> 0:14:22.400 that having that physical proximity to your family is really 0:14:22.400 --> 0:14:26.480 really important. So my hope is to retire in Portugal 0:14:26.560 --> 0:14:29.600 and bring my mom. I want to like bring the 0:14:29.680 --> 0:14:32.280 nucleus back together. I'm trying to convince my sister to 0:14:32.280 --> 0:14:34.480 move there, my mom, and I'm like, let's get the 0:14:34.520 --> 0:14:35.440 family back together. 0:14:36.440 --> 0:14:40.119 Why Portugal? It seems like everyone's moving to Portugal. Portugal's 0:14:40.120 --> 0:14:44.280 got some like serious shine on it right now? What 0:14:44.520 --> 0:14:46.760 is in the water over there? Yeah, tell me about it. 0:14:46.800 --> 0:14:50.280 How did you arrive at that decision and what drew 0:14:50.280 --> 0:14:50.640 you to it? 0:14:51.120 --> 0:14:54.280 I can't speak to for everyone else. I'm Brazilian, so 0:14:54.320 --> 0:14:58.960 for me, the connection is natural. I see Portuguese, although 0:14:59.000 --> 0:15:04.080 the Portuguese there is I visited two three years ago. God, 0:15:04.240 --> 0:15:07.160 everything's jumbled now, and I absolutely fell in love with it. 0:15:08.000 --> 0:15:13.080 I've always loved Europe, Spain, Italy, France. But when I 0:15:13.120 --> 0:15:17.240 visited Portugal. It felt like home, Like the people were lovely. 0:15:18.000 --> 0:15:21.640 It just it was safe, it was calm. Right, I'm 0:15:21.680 --> 0:15:23.200 just coming from New York because I lived in New 0:15:23.280 --> 0:15:26.480 York City for fifteen years. It was just a different vibe. 0:15:26.640 --> 0:15:30.840 And when i started putting together my financial independence plan, 0:15:31.040 --> 0:15:33.480 and I'm like, Wow, it's gonna be difficult to swing 0:15:33.560 --> 0:15:35.840 this here in the States, right, especially now that I'm 0:15:35.840 --> 0:15:39.560 living California. But I'm like, what if I moved abroad? Right? 0:15:39.600 --> 0:15:42.640 But then the again, the immigration thing came up, the fears. 0:15:43.000 --> 0:15:45.600 I'm like, oh my god, I'm gonna deal with immigration again. 0:15:45.680 --> 0:15:49.160 I just became a citizen. Now I'm gonna I don't know. 0:15:49.200 --> 0:15:51.840 I felt like I was risking it. But then I 0:15:51.880 --> 0:15:55.280 realized that becoming a citizen in Portugal is actually quite simple, 0:15:56.520 --> 0:15:59.440 quite easy to move there to become a resident. 0:15:59.480 --> 0:16:02.000 Of being welcoming to immigrants. 0:16:01.600 --> 0:16:05.360 Yes, right, how odd? And so they have something that's 0:16:05.360 --> 0:16:09.560 called the D seven visa, which is basically, if you 0:16:09.600 --> 0:16:12.920 have any kind of passive income, there's like a threshold 0:16:12.920 --> 0:16:15.720 that you have to meet. You meet that threshold, you 0:16:15.760 --> 0:16:18.480 can come live there and you can become a citizen 0:16:18.480 --> 0:16:20.680 after five years done and That gives me a lot 0:16:20.720 --> 0:16:22.240 of peace of mind, not only for myself but for 0:16:22.360 --> 0:16:24.720 my mom because I'm going to be taking care of her. 0:16:24.920 --> 0:16:27.240 So even though I don't have kids, I am taking 0:16:27.280 --> 0:16:30.720 care of a generation above me, right, and so I 0:16:30.760 --> 0:16:32.320 want to make sure that she's taken care of that 0:16:32.360 --> 0:16:36.240 she has health, insurance, access to all of that. And 0:16:36.320 --> 0:16:39.880 it was important when I was choosing which country that 0:16:40.160 --> 0:16:41.560 I could check those boxes. 0:16:42.200 --> 0:16:44.840 Yeah, that's wonderful. So what's your goal? When are you 0:16:44.920 --> 0:16:47.960 going to be in Portugal? What it does? And when 0:16:48.000 --> 0:16:50.040 you said, first of all, I'm a victim of my 0:16:50.120 --> 0:16:53.840 own deadlines all the time, so I'm just I'm I 0:16:53.840 --> 0:16:55.720 going to ask you this, but I'm also thinking, like, 0:16:55.760 --> 0:16:57.920 you can move your deadlines anytime, girl, Like it is 0:16:57.920 --> 0:16:59.680 not that big of a deal. I don't mean to 0:16:59.680 --> 0:17:03.520 put any pressure on you, but you going to be there. 0:17:03.960 --> 0:17:06.280 I'm so glad you said that because that's how I 0:17:06.280 --> 0:17:10.320 am too. I when I speak something into existence, I 0:17:10.359 --> 0:17:13.639 feel obligated to make it happen exactly as I said it. 0:17:14.200 --> 0:17:15.720 And that's such a I don't know if that's a 0:17:15.760 --> 0:17:18.320 scorpio thing. I don't know if that's an immigrant thing 0:17:18.440 --> 0:17:23.920 or the type a thing. Yeah, yes, the timeline is 0:17:23.920 --> 0:17:26.240 about in the next two years. 0:17:26.280 --> 0:17:28.200 Two years, okay, holy shit. 0:17:28.840 --> 0:17:31.320 And yeah, the only reason for that is because I 0:17:31.359 --> 0:17:35.800 want to get over there do some scouting, and I 0:17:35.960 --> 0:17:38.520 haven't been able to because of you know, the panoramic. 0:17:39.480 --> 0:17:44.040 So once I have a minute to hang over there, 0:17:44.520 --> 0:17:48.159 do some house shopping, house hunting, feel a little bit 0:17:48.160 --> 0:17:51.119 better about where we're going to land, then I will 0:17:51.440 --> 0:17:53.159 probably be escalating those plans. 0:17:53.640 --> 0:17:55.399 So what I love about your story too, is that 0:17:55.480 --> 0:18:00.000 you acknowledge like I was a full a full lawyer, 0:17:59.520 --> 0:18:04.520 a full attorney at law four blocks away from Wall Street, 0:18:04.600 --> 0:18:07.280 and even I didn't know how investing work you've said, 0:18:07.440 --> 0:18:09.960 how investing works you said, or how the stock market worked. 0:18:10.160 --> 0:18:13.440 So what was that aha moment for you? And I'm 0:18:14.000 --> 0:18:16.480 even just getting a sense from our conversation so far, 0:18:16.600 --> 0:18:19.920 I'm sure like you learned it and you were immediately like, Okay, great, 0:18:20.040 --> 0:18:21.919 these are the facts. Now I'm going to implement this 0:18:22.000 --> 0:18:23.760 and four years later you're going to be in Portugal. 0:18:23.800 --> 0:18:26.480 But walk us back to that moment. What was that 0:18:26.600 --> 0:18:28.480 like for you? I mean you you even say that 0:18:28.520 --> 0:18:30.280 you weren't even investing in your four oh one k 0:18:31.119 --> 0:18:31.400 you know. 0:18:31.359 --> 0:18:34.480 Well, I was. I was, actually I was investing it, 0:18:34.560 --> 0:18:39.720 thank god, from twenty eleven, but without understanding anything what 0:18:39.880 --> 0:18:42.639 was going on inside of it. Like literally my hr person, 0:18:42.960 --> 0:18:45.840 which was a woman of color, a black woman, which 0:18:45.880 --> 0:18:48.639 I'm like, thank god, somebody was looking out came to 0:18:48.680 --> 0:18:50.960 me and said, excuse me, why aren't you investing in 0:18:50.960 --> 0:18:53.960 the four one day literally free money? What are you 0:18:53.960 --> 0:18:56.400 talking about? And I'm thinking, what are you talking about? 0:18:56.440 --> 0:18:57.760 Why do I need to be thinking about this right now? 0:18:57.840 --> 0:18:59.919 I have all these student loans. You want me to 0:19:00.000 --> 0:19:02.760 think about my life in my sixties, I don't have 0:19:03.119 --> 0:19:05.560 I'm trying to make life work here in New York City. 0:19:06.240 --> 0:19:08.040 She's like, no, no, no, you have to sign up for it. 0:19:08.200 --> 0:19:10.880 Thank god she did that, and so I have had 0:19:10.920 --> 0:19:13.720 it for the last ten years, and it is the 0:19:13.800 --> 0:19:16.520 account that I'm most proud of because it's the one 0:19:16.520 --> 0:19:18.720 that I've put the least amount of money and it's 0:19:18.760 --> 0:19:21.080 grown the most. So it shows you, like the power 0:19:21.119 --> 0:19:22.480 of compound interest. 0:19:22.600 --> 0:19:26.000 You know, we're like we're stock markets soul sisters. I 0:19:26.040 --> 0:19:28.159 feel like because I started my four one K and 0:19:28.200 --> 0:19:32.000 twenty eleven as well, although I was for a year 0:19:32.119 --> 0:19:34.600 not investing at all, and what I love about your 0:19:34.640 --> 0:19:37.960 story and actually I was just CNBC recently ran a 0:19:37.960 --> 0:19:40.840 story that I wrote about my net worth journey, and 0:19:41.040 --> 0:19:43.720 first of all, the bros at CNBC on their ig 0:19:43.840 --> 0:19:47.080 page like I can take it, Like what does that mean? 0:19:47.200 --> 0:19:49.320 You know, baby, I'm a gangster two. So if you 0:19:49.359 --> 0:19:52.080 come for me and try to tell me, oh, well, 0:19:52.400 --> 0:19:55.040 of course you your net worth increased, you know, the 0:19:55.080 --> 0:19:57.439 stock market's been up for a decade, I'm like, yeah, 0:19:57.760 --> 0:20:01.600 that's the point. The point is that I started, and 0:20:01.640 --> 0:20:04.640 that is what so many people struggle with. And that's 0:20:04.680 --> 0:20:06.680 what I love about your story and mine is that 0:20:06.960 --> 0:20:09.320 those little tiny baby for one case, they were like 0:20:09.320 --> 0:20:11.240 a little seedling, you know, and I put my little 0:20:11.280 --> 0:20:16.080 money in there and it was it's it's beautiful to 0:20:16.119 --> 0:20:18.320 see that grow. But it's also like, yeah, give us 0:20:18.320 --> 0:20:22.359 our give us our flowers for starting something before you. 0:20:22.520 --> 0:20:24.840 But just like that, that that little like seed of 0:20:24.920 --> 0:20:27.440 faith that you had that you're going to grow into 0:20:27.480 --> 0:20:31.160 something larger and the patience and hell's yeah, we can 0:20:31.240 --> 0:20:34.960 celebrate it, you know, a decade later. I love that. 0:20:35.000 --> 0:20:37.960 I love that, I know, and it's such it's so 0:20:38.040 --> 0:20:42.040 frustrating with the bros because they don't want to give 0:20:42.119 --> 0:20:45.760 us our props because we were passive investors, were not 0:20:45.920 --> 0:20:49.560 stock pickers, right, we're not day trading. And so because 0:20:49.680 --> 0:20:53.760 crypto we can, yeah, we can't, like, you know, sign 0:20:53.800 --> 0:20:56.840 off on some fancy stock that made us a pajillion 0:20:57.080 --> 0:21:02.520 percent return. Somehow that lessons our accomplishment, which is complete 0:21:02.520 --> 0:21:05.639 bs because at the end of the day, who makes 0:21:05.680 --> 0:21:08.400 money is the person who did it consistently over time, 0:21:08.880 --> 0:21:12.640 patiently kept their money in, let it grow, and didn't 0:21:12.640 --> 0:21:14.639 mess around with it. And this is why women are 0:21:14.680 --> 0:21:19.199 statistically better investors than men now, so because we know 0:21:19.200 --> 0:21:21.760 how to do this. And so the only problem with 0:21:22.280 --> 0:21:24.880 women quote unquote women is that we're not doing it enough. 0:21:25.280 --> 0:21:27.560 That's it. If we just need to invest more, we 0:21:27.600 --> 0:21:32.720 need to participate more. But when we do, we're great investors. 0:21:33.040 --> 0:21:35.280 So when I found out about financial independence and I 0:21:35.320 --> 0:21:40.160