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Speaker 1: Scrubbing In with Becca Tilly and Tanya rab An iHeartRadio podcast.

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Speaker 1: Hello everybody, we are scrubbing in, scrub Dub Dub. We

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Speaker 1: have a very exciting guest today because she has scrubbed

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Speaker 1: in before.

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Speaker 2: She has scrubbed in before, and I love the conversation

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Speaker 2: that she has because she always inspires me, she always

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Speaker 2: invigorates me. And so she has a new book coming

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Speaker 2: out called million Dollar Action, Your step by step guide

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Speaker 2: to making wealth Happen. I figured she needs to scrub

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Speaker 2: in and share this knowledge with us.

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Speaker 1: And it needs to be in person because the last

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Speaker 1: time we met her was on Zoom. And she is

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Speaker 1: a woman that brings power and energy everywhere she goes.

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Speaker 1: She's a self made millionaire. She teaches people how to

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Speaker 1: basically become their best selves and make the most money.

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Speaker 2: Yes, and she says she likes to help historically excluded

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Speaker 2: folks build wealth. And so, without further ado, let's welcome Mark.

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Speaker 3: Guest Rachel Rogers.

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Speaker 1: Rachel, we have met before, yes, through a screen, Yes,

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Speaker 1: but we have you in person today and we're so

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Speaker 1: happy that you're scrubbing in again.

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Speaker 4: Yeah.

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Speaker 2: Well, first of all, I love having you on because

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Speaker 2: I love the conversation about money. I feel like it's

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Speaker 2: in something especially that women don't talk about often enough,

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Speaker 2: and it's so important. It's like it's revolves around everything

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Speaker 2: we do on a daily basis, and yet we don't

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Speaker 2: talk about all we talk about are I mean, if

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Speaker 2: you think about it, but we talk about.

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Speaker 5: Beauty tips, yeah, beauty dating, yeah, relationship, relationships and work, business,

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Speaker 5: professional life.

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Speaker 3: Yeah, but we don't talk about the money part. Yeah.

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Speaker 4: Yes.

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Speaker 1: Well, And I feel like Easton, I love you and

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Speaker 1: I love there are men that I love, but I

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Speaker 1: feel like men don't have any issue talking about money.

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Speaker 4: Yes, I agree.

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Speaker 5: I went to dinner with new friends that I had

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Speaker 5: just met, and this like, we were talking online and

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Speaker 5: kind of friendly online, met through someone had a zoom chat,

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Speaker 5: but then met in person for the first time, and

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Speaker 5: my husband and my friend's husband were chatting at the

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Speaker 5: table and my husband within five minutes of meeting them,

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Speaker 5: is how much you paid for your house? And I

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Speaker 5: was like, I was horrified, Like how are you just

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Speaker 5: going to ask these people we just met? And he

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Speaker 5: told them and I was like afterwards, I was like,

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Speaker 5: I was mortified when you asked that. He's like, oh,

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Speaker 5: I'm always going to ask that I asked whatever I

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Speaker 5: want to know, I just straight up basket and I'm like, is.

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Speaker 4: That what y'all do? I'll just tell each other things

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Speaker 4: the freedom. Yes, I mean me.

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Speaker 5: And my friends we talk about money all the time.

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Speaker 5: And we talked dollars, right like, oh, you're hiring this person,

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Speaker 5: how much did you pay?

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Speaker 4: Or you got to deal with them? What did they

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Speaker 4: give you? Right? Like we're exchanging notes all the time.

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Speaker 5: But I feel like it's not done publicly enough right, So,

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Speaker 5: and even like I still would feel sheepish about asking

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Speaker 5: someone how much they paid for their house, Like, yeah,

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Speaker 5: that feels a little especially so when I just.

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Speaker 2: Met I know I would never but like it's the

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Speaker 2: thing is you're right, It's like also knowledge is power, yes,

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Speaker 2: And also why is there this stigma around it?

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Speaker 3: You know what I mean? Like it's like we're all

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Speaker 3: trying to make money, We're all.

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Speaker 2: Trying to make it, we're all trying to make more

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Speaker 2: of it, So why are we doing that?

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Speaker 5: I think there's something that's like considered noble when you

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Speaker 5: pretend that you don't care about money, so you pretend

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Speaker 5: that you don't want to talk about it, or you

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Speaker 5: pretend that you don't care how much you're being paid

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Speaker 5: or how much somebody else is making or whatever. Like

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Speaker 5: you pretend that you're not leaving your friend's house and

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Speaker 5: then going to look up how much they just paid

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Speaker 5: for it when they bought a new house, like everybody

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Speaker 5: does that.

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Speaker 4: It's public knowledge, right, true.

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Speaker 5: So I think there's this sort of like fake nobility

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Speaker 5: to like I'm above money, but like none of us

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Speaker 5: are above money, literally none. So we unless you live

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Speaker 5: off the gridge, you're not above it. And you need

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Speaker 5: to have it, understand it. It gives you options, it

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Speaker 5: gives you freedom. So it's clearly very important. And I

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Speaker 5: don't know why we do this thing where it's like, oh,

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Speaker 5: I don't care about money. I've had members of my community,

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Speaker 5: like we have something called the club where all of

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Speaker 5: our clients are in there, and someone would be like, well,

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Speaker 5: I don't really care about money. And as soon as

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Speaker 5: I see that, like I am all over it. And

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Speaker 5: I'm like, first of all, you're lying, yeah, with respect,

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Speaker 5: you lie it, okay, And I nip it in the

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Speaker 5: bud because I'm like, we're not doing that here.

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Speaker 4: We're not pretending, right, We're gonna be honest with each other.

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Speaker 5: We're gonna be real with each other and we're not

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Speaker 5: gonna do this fake thing where we pretend like we're

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Speaker 5: better than somebody else because we don't care about money.

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Speaker 4: That is just a lie.

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Speaker 2: Okay, I'm going to just start here because I feel

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Speaker 2: like there's so much to talk about, because I really

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Speaker 2: want to get into You have a step by step

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Speaker 2: guide to making wealth happen. So I want you to

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Speaker 2: give us the first step. Yes, but I want to

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Speaker 2: talk about women asking and negotiating for more money because

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Speaker 2: sixty percent of women don't do it. Yes, they're scared too,

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Speaker 2: And how do you a make it easier for a

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Speaker 2: woman to renegotiate her salary or whatever, ask for more

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Speaker 2: money and be if they're then Matt with we're not

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Speaker 2: going to give you that.

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Speaker 3: What do you do?

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Speaker 4: Yes?

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Speaker 5: Well, something that I learned in law school. I took

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Speaker 5: mediation classes and they were like, when you go when

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Speaker 5: you enter into a negotiation, you have to always know

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Speaker 5: your botana, and botana is best alternative to a negotiated agreement.

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Speaker 3: It's like, am I works?

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Speaker 4: Do you know that? I don't know what that.

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Speaker 5: Means, but there's it's a great it's from a great

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Speaker 5: book called Getting to Yes that's about negotiation and mediation

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Speaker 5: and it is fascinating, but like, you have to know

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Speaker 5: your best alternative to a negotiated agreement when you go in.

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Speaker 3: So what does that mean?

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Speaker 5: That means you're not in control of the outcome, but

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Speaker 5: you're in control of what you do. And Okay, I'm

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Speaker 5: going to bring in therapy, which is random, but it

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Speaker 5: makes sense. So you know, like when I talk to

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Speaker 5: my therapist and I'm like, this thing really bothered me,

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Speaker 5: but blah blah blah, and she's like, it's bothering you

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Speaker 5: because you didn't say anything. And I'm like, well, I

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Speaker 5: didn't say anything because I didn't want to argue, and

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Speaker 5: I didn't you know, I'm talking about like arguing with

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Speaker 5: my husband. I don't want to argue and he's not

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Speaker 5: going to listen to me anyway. We've had this conversation before.

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Speaker 5: She's like, it's not about the outcome. It's about standing

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Speaker 5: up for yourself, saying what you want and getting it out.

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Speaker 5: Otherwise it stays in here and it becomes insidious, right Like,

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Speaker 5: so you have to get it out and stand up

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Speaker 5: for yourself.

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Speaker 4: That's part of it.

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Speaker 5: So part of it is learning how flexing the muscle

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Speaker 5: of claiming your value and dropping it into your boss's mind,

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Speaker 5: your company's mind, whoever you're interacting with what your value is,

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Speaker 5: making sure they know, not hoping they know, making sure

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Speaker 5: that they know right. And so you go in and

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Speaker 5: you make the ask whatever it is, and make sure

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Speaker 5: you can back it up right. So like if you're saying, hey,

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Speaker 5: I want another twenty five thousand dollars and here's what's

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Speaker 5: going to do for this business, Like, make sure you

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Speaker 5: understand what does your boss care about? What are their

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Speaker 5: metrics that they're trying to hit one of the things

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Speaker 5: that keep them up at night, and how can you

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Speaker 5: make that happen for them and make it easier for

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Speaker 5: that to happen for them? And then go in with

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Speaker 5: that pitch and use receipts right like, oh I did this,

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Speaker 5: this and this and it made the company X.

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Speaker 4: Right.

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Speaker 5: Sometimes they're happy that you're doing the work, but they're

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Speaker 5: not thinking about it because they're distracted with other things.

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Speaker 5: So how can you make sure that they know? And

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Speaker 5: that's part of why it's important to have the conversation now.

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Speaker 5: So sometimes you have the conversation and If they don't

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Speaker 5: say yes immediately, that's fine. What's your best alternative to

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Speaker 5: a negotiated agreement? So if they're not going to give

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Speaker 5: you twenty five, maybe maybe they agree to eighteen and

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Speaker 5: you're happy with that, right, or maybe they don't. They

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Speaker 5: say I can do it right now, but I'm going

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Speaker 5: to put you on Like in our company, we'll put

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Speaker 5: them on a plan. It's a ninety day what we

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Speaker 5: call OKR, which is objectives and key results, very corporate whatever,

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Speaker 5: but it works anyway. So we put them on a

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Speaker 5: plan and say, Okay, here's what we need you to

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Speaker 5: accomplish in the next ninety days. You got to accomplish

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Speaker 5: these things first. Then we can have a conversation about

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Speaker 5: a raise or promotion, right Like we want to see

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Speaker 5: show that you can do it right if they don't

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Speaker 5: already have that track record, and then they can get it.

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Speaker 5: So let's say you're not going to get it. What's

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Speaker 5: your best alternative? Is it finding another job? Is it,

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Speaker 5: you know, maybe applying to a different department, is it

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Speaker 5: starting a side hustle, is it learning to invest? Whatever

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Speaker 5: it is. It's like, what's my play? You're not disempowered,

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Speaker 5: It's not over because somebody said, no, So what's my

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Speaker 5: next play if it doesn't work right? Or maybe you

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Speaker 5: go back and say, if you can't give it to

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Speaker 5: me today, when can you give it to me? What

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Speaker 5: do you need to see from me to be able

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Speaker 5: to give me that twenty five thousand?

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Speaker 4: What is the version? Because this is what I tell

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Speaker 4: my children.

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Speaker 5: My son brought home three a's and two b's, and

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Speaker 5: I said, I want you to go to each of

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Speaker 5: these teachers where you've got to be and say what

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Speaker 5: do I need to do to get an Oh?

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Speaker 4: My, and that's what he did.

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Speaker 5: He went and asked them and they said, oh, you

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Speaker 5: need to raise your hand more in class, or you

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Speaker 5: know whatever, whatever little things he needed to work on.

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Speaker 4: And so now he.

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Speaker 5: Knows right like that, how will we find out if

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Speaker 5: we don't ask what do you need to see from

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Speaker 5: me to get that twenty five grand? Because that's what

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Speaker 5: I'm letting you know that I want. So let me

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Speaker 5: tell you what I need to see, and as a boss,

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Speaker 5: I will tell you immediately what I need to see,

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Speaker 5: right because I know what I'm trying to do. So

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Speaker 5: you can help me get there, then I'm happy to

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Speaker 5: pay you.

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Speaker 1: You know, Yeah, I was gonna I was gonna ask

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Speaker 1: about how you if you have those conversations with your kids.

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Speaker 4: Not so much I was.

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Speaker 1: I wasn't going in the grades department, but thinking about

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Speaker 1: financial But I think the importance of telling your child

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Speaker 1: or teaching them how to ask yes questions.

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Speaker 2: I would never ever, ever have done that as a kid.

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Speaker 2: And when you think, I would just get my grade,

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Speaker 2: and I'll just get my grade. And that's why I

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Speaker 2: feel like I'm doing in life. I just get my

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Speaker 2: I get I'm getting my whatever it is.

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Speaker 3: Salary, and I'm just getting it, you know what I mean.

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Speaker 5: Well, that's how most people think about it. Yeah, I

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Speaker 5: want us to not do that.

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Speaker 3: I'm so just went off. I love that I've been

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Speaker 3: doing it wrong my whole life.

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Speaker 5: No wrong, you've been doing it the way that we're

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Speaker 5: all tundishited.

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Speaker 1: Yes, And I also think a lot of people are

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Speaker 1: in environments where they feel replaceable.

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Speaker 4: You know, they're made to feel replaceable.

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Speaker 3: Yeah, I don't want this.

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Speaker 4: We'll find someone.

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Speaker 3: I'll find someone else.

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Speaker 4: Well, here's the bottom line. We all are replaceable on

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Speaker 4: some level.

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Speaker 5: I've spent my entire last fourteen years replacing myself in

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Speaker 5: the business so that I don't have to be there

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Speaker 5: for us to get the result. And now we're just

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Speaker 5: now getting there, right, So the CEO and founder, I'm replaceable, right,

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Speaker 5: So my replaceable literally everybody else on the team, We're

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Speaker 5: all replaceable in some way in a professional context. That

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Speaker 5: doesn't mean you don't advocate for yourself. So true, because

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Speaker 5: the bottom line is you're there now today and you've

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Speaker 5: been there for however long you've been there, and especially

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Speaker 5: if you have a track record, like what's gonna annoy

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Speaker 5: I know what annoys me as a boss is if

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Speaker 5: somebody comes to me and is like, hey, I want

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Speaker 5: to make more money, can you pay me another fifteen thousand?

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Speaker 5: And I'm like, can you get the things done that

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Speaker 5: I've been assigning you?

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Speaker 4: And like you're you're always late with.

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Speaker 5: Your projects, right, Like you're not getting things done on time.

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Speaker 5: Your team members are complaining about you.

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Speaker 4: That's not going to work.

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Speaker 5: And I will be very frank and have a very

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Speaker 5: honest conversation if somebody comes to me, especially my gen

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Speaker 5: z ers, they love to come to me and they

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Speaker 5: think like money should just fall from the guy and

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Speaker 5: hit them in the head because they feel like it

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Speaker 5: and I'm like, that's not how this works, at least

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Speaker 5: not here at this company, right, Like, you gotta work,

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Speaker 5: just like I gotta work. I have to work, and

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Speaker 5: I'm the founder, which means you also got to work, right, Like,

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Speaker 5: that's how this works. So you know, we just want

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Speaker 5: to be always clear what are the goals of the role,

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Speaker 5: like what what are what is accomplishing the goal?

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Speaker 4: What is going above and beyond?

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Speaker 5: Because they think just showing up is deserving of a raise,

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Speaker 5: right And I'm like, no, no, no, showing up is

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Speaker 5: deserving of the paycheck, right like you did. You showed up,

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Speaker 5: you did the job, you checked the boxes, You get

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Speaker 5: the paycheck. If you want more than that, if you

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Speaker 5: want me to consider more, what what more am I

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Speaker 5: getting in exchange for?

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Speaker 4: What's the value exchange here? Right?

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Speaker 5: Or is it already true that I'm already underpaying for

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Speaker 5: the value that I'm getting, right?

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Speaker 1: You know?

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Speaker 4: And if I'm underpaying, okay, cool? Trust me.

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Speaker 5: There are certain people that will come to their boss

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Speaker 5: or to me right that are extremely valuable players on

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Speaker 5: the team that if they came and asked me for

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Speaker 5: a raise, I'd be worried, like, oh, I can't have

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Speaker 5: them leave. Yeah, my players don't be walking out the door,

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Speaker 5: you know, So then I'm gonna be like, h well,

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Speaker 5: what do we need to do?

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Speaker 4: Right, talk to me first before you go look for

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Speaker 4: another job.

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Speaker 5: Right, So, and you want to be that person like,

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Speaker 5: am I somebody that my boss would fight to keep

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Speaker 5: me here? Right I were to leave where they'd be

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Speaker 5: worried if I went to the competition. That's the kind

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Speaker 5: of player you want to be, because then people are

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Speaker 5: going to be throwing money at you because you're so

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Speaker 5: valuable and you are like here, let's be real, right,

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Speaker 5: you are going to be in places where people undervalue

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Speaker 5: you no matter what. And that's when you got to

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Speaker 5: walk out the door and go find someplace else where

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Speaker 5: they will value you or build your own thing.

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Speaker 2: Okay, speaking of I feel like we were talking about this.

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Speaker 2: Everybody wants to be making more money, yes, period, Right,

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Speaker 2: I don't.

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Speaker 3: Care who you are, Like, everybody wants to make more money.

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Speaker 2: What do you do if you are in a nine

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Speaker 2: to five and let's say there's a cap there, like

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Speaker 2: how much you can make on your nine to five,

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Speaker 2: but you really want to make more money. You want

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Speaker 2: to start building wealth. What's like the easiest thing that

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Speaker 2: you can do if you're in a nine to five

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Speaker 2: to build wealth.

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Speaker 5: I think the easiest thing you could do is step one.

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Speaker 5: First of all, think about your mindset, like what are

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Speaker 5: your beliefs around money, Like what you said earlier, right, well,

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Speaker 5: I make the paycheck I make and that's that. So

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Speaker 5: if that's your belief then immediately you're cutting off all

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Speaker 5: other opportunities. So the first thing is shifting your mindset

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Speaker 5: and being entrepreneurial. We'll we're all selling labor at the

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Speaker 5: end of the day. We're either that or we're selling

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Speaker 5: a software, we're selling something we made, right, but either way,

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Speaker 5: it's like we're all selling our labor. So we need

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Speaker 5: to think entrepreneurially and not just think, oh, this is

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Speaker 5: the paycheck and that's what it is. You can negotiate there.

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Speaker 5: Another option is you can invest or. You can build

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Speaker 5: a side hustle or start speaking, start write a book, right, like,

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Speaker 5: get some brand deals on the side on social media,

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Speaker 5: whatever it is. But there's always another avenue to earn more.

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Speaker 5: And those are the options I think, like become an entrepreneur,

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Speaker 5: or become an investor, or you could always get another job.

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Speaker 4: That's an option too.

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Speaker 1: Right.

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Speaker 4: I was listening to your you were a guest on.

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Speaker 1: The Balance Black Girl podcast, Yes, and you were saying

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Speaker 1: how you talked about the mindset, and then you were

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Speaker 1: talking about how you have to take risk and you

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Speaker 1: have risks and you have to be able to say

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Speaker 1: like you you referenced yourself and said, I'm at a

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Speaker 1: point where I'm not happy with what I'm making. So

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Speaker 1: if I try and I fail, I'm at this point.

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Speaker 1: But what if I try and I succeed, then it

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Speaker 1: could be life changing?

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Speaker 4: Right?

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Speaker 1: But my question is, so what if someone goes and

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Speaker 1: chases their dream, they take the risk and it doesn't

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Speaker 1: work out, Then where do you begin? Because at that point,

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Speaker 1: you've given up something that was already you know, getting

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Speaker 1: you by, and then you put your hopes and dreams

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Speaker 1: into this thing you didn't succeed. Yeah, what happens next

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Speaker 1: after you try that?

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Speaker 5: Well, then you just go back to working a job

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Speaker 5: you hate. That's an easy thing to do, right, It's

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Speaker 5: always easy to get a job you hate. That's the

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Speaker 5: easiest thing in the world. So go back to getting

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Speaker 5: a job you hate. So you pay your rent and

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Speaker 5: eat and then you figure out your next move. The

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Speaker 5: risk is means that you could fail, right, and it

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Speaker 5: could not work out, right, and that's how it is.

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Speaker 4: There's no guarantee, and that's how you build wealth.

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Speaker 1: Right.

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Speaker 5: You have to be willing to go into territory where

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Speaker 5: there's no guarantee and there's no The risk is a

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Speaker 5: spectrum too, right, It's not like the most riskiest thing

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Speaker 5: in the world. It works for like ninety eight percent

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Speaker 5: of investors, right, Like, it works for a lot of people,

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Speaker 5: So the chances of it working probably is high depending

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Speaker 5: on what it is. Do you want to be make

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Speaker 5: calculated risks like don't just you know, jump off a

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Speaker 5: cliff the financial equivalent, Right, You're not going to do that,

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Speaker 5: but understand that you could fail, and if you fail,

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Speaker 5: it just means Okay, I tried it, I learned some things.

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Speaker 5: I learned what doesn't work. Now now I'm actually in

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Speaker 5: a better position. I'll give you another example from my team.

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Speaker 5: If somebody makes a big mistake on my team, they're like,

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Speaker 5: oh my god, I'm gonna get fired. I'm like, no, no, no,

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Speaker 5: you just became more valuable to me because you will

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Speaker 5: never make that mistake again because it was so painful

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Speaker 5: for you, so you've learned it. If I fire you

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Speaker 5: and hire somebody else, now I gotta wait for them

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Speaker 5: to start making those.

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Speaker 4: Mistakes, right Yeah.

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Speaker 5: So actually it's the same as an entrepreneur. If you

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Speaker 5: make a mistake or if it doesn't work, you launch something,

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Speaker 5: you try something and it fails, you've learned something, right.

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Speaker 5: That was your tuition that you had to pay to

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Speaker 5: get that education. Now you are better educated to try again,

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Speaker 5: and the next time you're going to know what not

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Speaker 5: to do, and you can try some other things and

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Speaker 5: you have a higher likelihood that it's going to work.

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Speaker 5: So I think we just have to let go of

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Speaker 5: this idea that everything has to be guaranteed.

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Speaker 4: It's not guaranteed. That's what it is.

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Speaker 5: Them's the breaks, right, Like, yeah, we got to be

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Speaker 5: willing to take the risk. And as long as we're

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Speaker 5: willing to take the risk and try it and then

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Speaker 5: have a backup plan, right So, like, Okay, if this

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Speaker 5: doesn't work, I have this little pilo cash that can

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Speaker 5: hold me for a month or two while I go

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Speaker 5: find another crappy.

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Speaker 4: Job that I and regroup and then get back out there.

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Speaker 5: Do you know how many every success story that we've

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Speaker 5: seen in our lives, no matter what category it is,

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Speaker 5: has so many failures behind them.

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Speaker 4: And that's actually what lee.

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Speaker 5: Failing is this, that's the stairway to success failure. So

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Speaker 5: if you're just if you're not failing, or if you're

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Speaker 5: not at risk of failure, you're not on your way

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Speaker 5: to success.

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Speaker 2: It's so true because that's the thing, Like, if you're

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Speaker 2: just staying stagnant, you're just staying stagnant.

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Speaker 3: You're not moving forward. You have to risk to move forward. Yes,

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Speaker 3: sometimes you may risk and fall, yes, And sometimes you

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Speaker 3: may risk and reward exactly.

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Speaker 5: Or sometimes you may risk and there's like two steps back,

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Speaker 5: but then three steps forward.

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Speaker 2: So do you find that most people just stay in

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Speaker 2: that risk averse lane in life? They just make their paycheck,

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Speaker 2: live their lives, budget out their money, and call it

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Speaker 2: a day.

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Speaker 4: Some people are very content with that, And I think.

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Speaker 5: We're all after contentment, right, Like that's actually what we're

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Speaker 5: all after at the end of the day. So if

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Speaker 5: you're content with your current situation, don't change it. You're

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Speaker 5: happy live your best, you know what I mean? Maybe

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Speaker 5: the only other thing I would say to do is

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Speaker 5: definitely invest and invest beyond you know, putting into your

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Speaker 5: four one kr ira, Like there's limits to that, so

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Speaker 5: like go beyond that and put extra in an investment

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Speaker 5: account to just have that extra cushion, you know, to

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Speaker 5: protect this life that you're enjoying. Yeah, but other than that,

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Speaker 5: if you're living your best life, enjoy it, like have

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Speaker 5: a great time.

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Speaker 3: Right if I want, if I want to do.

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Speaker 2: In your work book, as you said, you give step

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Speaker 2: by step to building wealth. What's the first step that

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Speaker 2: someone needs to take.

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Speaker 5: They need to take stock of the story that they're

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Speaker 5: telling themselves about their relationship with money. That is step one.

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Speaker 5: So it's like that mean that means like, so if

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Speaker 5: you're like, Okay, I realize I've just put a ceiling

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Speaker 5: on my income, I've said, oh, my job pays me

438
00:18:51,000 --> 00:18:52,680
Speaker 5: this amount of money and that's all I'm going to

439
00:18:52,720 --> 00:18:53,160
Speaker 5: ever earn.

440
00:18:53,600 --> 00:18:56,880
Speaker 4: End of story. Or you could say, actually, there's so.

441
00:18:56,920 --> 00:19:00,080
Speaker 5: Much opportunity to earn money, and I have my evening

442
00:19:00,200 --> 00:19:02,720
Speaker 5: free or my weekends free, or someone offered me an

443
00:19:02,720 --> 00:19:04,760
Speaker 5: opportunity and I could have made money from it, but

444
00:19:04,800 --> 00:19:08,200
Speaker 5: I said no. So recognizing that you have much more

445
00:19:08,200 --> 00:19:11,119
Speaker 5: control of your financial situation than you're giving yourself credit

446
00:19:11,160 --> 00:19:14,600
Speaker 5: for is step one. Right, and so challenging the beliefs

447
00:19:14,640 --> 00:19:16,600
Speaker 5: that my salary is the end of the story. No,

448
00:19:16,720 --> 00:19:19,840
Speaker 5: that's just the beginning. That's like, that's your financing for

449
00:19:19,960 --> 00:19:22,520
Speaker 5: what you're really trying to build, you know. It's like, Okay,

450
00:19:22,560 --> 00:19:25,560
Speaker 5: this is just this is my VC funding, right, My

451
00:19:25,680 --> 00:19:26,879
Speaker 5: salary is my VC funding.

452
00:19:26,880 --> 00:19:28,760
Speaker 4: That's funding my life while I go build this thing,

453
00:19:29,200 --> 00:19:29,399
Speaker 4: you know.

454
00:19:29,680 --> 00:19:29,880
Speaker 1: Yeah.

455
00:19:30,440 --> 00:19:31,840
Speaker 5: So that's a different way to think about it. And

456
00:19:31,880 --> 00:19:34,240
Speaker 5: it's also like what other stories. I'm not good with money.

457
00:19:35,200 --> 00:19:38,440
Speaker 5: You have to save every dollar. I can't be trusted

458
00:19:38,480 --> 00:19:41,840
Speaker 5: with money. I'm always going to be broke. I'll never

459
00:19:41,880 --> 00:19:44,479
Speaker 5: get out of debt. There's so many stories that are

460
00:19:44,560 --> 00:19:46,800
Speaker 5: very common that we tell ourselves. And I used to

461
00:19:46,800 --> 00:19:48,879
Speaker 5: tell myself these stories too, because I grew up in

462
00:19:48,880 --> 00:19:52,119
Speaker 5: a house with a lot of financial hardship, so I

463
00:19:52,119 --> 00:19:54,359
Speaker 5: could easily tell my story that I'm not good with money.

464
00:19:54,400 --> 00:19:56,719
Speaker 5: My account's always going to be overdraft. I'm always going

465
00:19:56,760 --> 00:19:58,560
Speaker 5: to be the one calling the bank like please reverse

466
00:19:58,640 --> 00:20:02,160
Speaker 5: those fees. You know, I'm always gonna be like embarrassed

467
00:20:02,160 --> 00:20:04,480
Speaker 5: about my financial situation. I'm never gonna get out of debt.

468
00:20:04,520 --> 00:20:07,400
Speaker 5: I told myself all those stories, and then I met

469
00:20:07,400 --> 00:20:10,439
Speaker 5: a coach who was like, yeah, stop that, and I

470
00:20:10,520 --> 00:20:12,400
Speaker 5: realized that I was playing a tape in my head,

471
00:20:12,560 --> 00:20:15,880
Speaker 5: like almost twenty four to seven about like I'm not pretty,

472
00:20:16,280 --> 00:20:19,240
Speaker 5: I'm you know, I'm bad with money, I'm always gonna

473
00:20:19,280 --> 00:20:21,399
Speaker 5: be in debt, I'm not talent enough, no one's ever

474
00:20:21,440 --> 00:20:24,240
Speaker 5: gonna hire me. Like I just told myself crappy things

475
00:20:24,359 --> 00:20:27,159
Speaker 5: all day long that are not helpful, and they're not motivating.

476
00:20:27,480 --> 00:20:30,359
Speaker 5: They're demotivating. So if you're like, well, I'm not taking

477
00:20:30,400 --> 00:20:31,719
Speaker 5: the action, I don't know why I'm not.

478
00:20:31,880 --> 00:20:32,640
Speaker 4: It's the thoughts.

479
00:20:33,320 --> 00:20:35,159
Speaker 5: It's like you have to change the story in your

480
00:20:35,200 --> 00:20:38,359
Speaker 5: mind first, then you're gonna take action. But if you

481
00:20:38,359 --> 00:20:41,280
Speaker 5: don't believe it's possible, you're not gonna take any action.

482
00:20:41,560 --> 00:20:44,000
Speaker 5: And there's I have examples of this where clients that

483
00:20:44,040 --> 00:20:47,880
Speaker 5: I've coached, that I've been supporting, but they can't They're

484
00:20:47,920 --> 00:20:50,119
Speaker 5: so attached to the story they can't let it go.

485
00:20:50,280 --> 00:20:52,280
Speaker 5: And if they if they're so holding onto the story,

486
00:20:52,280 --> 00:20:55,480
Speaker 5: then the action becomes pointless because you don't believe it's

487
00:20:55,480 --> 00:20:56,439
Speaker 5: gonna do anything for you.

488
00:20:57,560 --> 00:20:58,640
Speaker 4: So that is step one.

489
00:20:58,920 --> 00:21:01,600
Speaker 5: Always is taking stock of the stories you told yourself

490
00:21:01,800 --> 00:21:03,600
Speaker 5: and just thinking about like, what are the memories that

491
00:21:03,640 --> 00:21:06,080
Speaker 5: I have about money from my childhood that are sticking

492
00:21:06,080 --> 00:21:08,119
Speaker 5: in my mind when I think about money, what I

493
00:21:08,200 --> 00:21:10,440
Speaker 5: learned about money from my parents or from my childhood,

494
00:21:10,440 --> 00:21:13,119
Speaker 5: what jumps out at me? And write down those stories

495
00:21:13,560 --> 00:21:15,520
Speaker 5: and then write down, like, are what is my belief

496
00:21:15,560 --> 00:21:16,480
Speaker 5: based on this story?

497
00:21:17,000 --> 00:21:19,000
Speaker 2: You know what's so interesting when you say that. So

498
00:21:19,119 --> 00:21:23,000
Speaker 2: I'm currently planning a wedding. Yes, and this is like

499
00:21:23,040 --> 00:21:24,840
Speaker 2: the first thing because I've never bought a home on

500
00:21:24,880 --> 00:21:26,359
Speaker 2: my own, so this is kind of like the first

501
00:21:26,359 --> 00:21:31,359
Speaker 2: thing that's like a big financial thing in my life.

502
00:21:31,680 --> 00:21:34,239
Speaker 2: And like I have such a hard time doing it

503
00:21:34,240 --> 00:21:37,080
Speaker 2: because I think I've always had like a scarcity mindset

504
00:21:37,119 --> 00:21:39,199
Speaker 2: with money. Yeah, And I don't know where that comes from.

505
00:21:39,240 --> 00:21:41,159
Speaker 2: I should probably talk to my therapist about it. But

506
00:21:41,240 --> 00:21:43,159
Speaker 2: like I always want to I never want to spend

507
00:21:43,200 --> 00:21:45,200
Speaker 2: so much. I always want to have just in case

508
00:21:45,240 --> 00:21:47,760
Speaker 2: something happens, Like I'm always that girl. And so I'm

509
00:21:47,880 --> 00:21:50,040
Speaker 2: finding it hard, like spending all that money on a

510
00:21:50,080 --> 00:21:52,000
Speaker 2: wedding because I'm like, it's one day. But then i

511
00:21:52,000 --> 00:21:53,359
Speaker 2: also have the other side of me where I'm like

512
00:21:53,359 --> 00:21:55,840
Speaker 2: I've been waiting for this my whole life. Yes, when

513
00:21:55,880 --> 00:21:57,639
Speaker 2: people and I get a lot of girls a dm

514
00:21:57,640 --> 00:21:59,960
Speaker 2: ME about planning a wedding and like budgeting and stuff

515
00:22:00,080 --> 00:22:02,960
Speaker 2: like that. How would you advise somebody who's planning a

516
00:22:02,960 --> 00:22:05,359
Speaker 2: wedding and like how much they should spend versus not?

517
00:22:05,760 --> 00:22:09,760
Speaker 5: Yes, I think this is similar to any large purchase

518
00:22:10,240 --> 00:22:13,440
Speaker 5: or really any investment, Like you can get real granular

519
00:22:13,560 --> 00:22:16,360
Speaker 5: on a daily basis. I think the key is are

520
00:22:16,359 --> 00:22:18,239
Speaker 5: you spending money on the things that matter to you?

521
00:22:18,680 --> 00:22:18,840
Speaker 1: Right?

522
00:22:18,960 --> 00:22:22,680
Speaker 5: Do you care about this enough to spend significant sums

523
00:22:22,680 --> 00:22:24,760
Speaker 5: of money about it? And that's what it's about. I'm

524
00:22:24,760 --> 00:22:27,280
Speaker 5: not the person that's like, oh, save all your money,

525
00:22:27,480 --> 00:22:30,600
Speaker 5: you know, like, never spend anything, don't buy fancy shoes.

526
00:22:30,800 --> 00:22:33,040
Speaker 5: I'm like, buy all the shoes, buy everything you want,

527
00:22:33,480 --> 00:22:36,240
Speaker 5: spend zero dollars on anything you don't care about.

528
00:22:36,560 --> 00:22:38,080
Speaker 4: And I think when we go through life.

529
00:22:37,840 --> 00:22:41,159
Speaker 5: You realize sometimes when I do like like a spring

530
00:22:41,200 --> 00:22:43,639
Speaker 5: cleaning kind of thing with my finances and I just

531
00:22:43,680 --> 00:22:46,080
Speaker 5: did it recently, and you go through and you're like, what.

532
00:22:46,000 --> 00:22:47,840
Speaker 4: The hell is this thing that I'm paying for? Like

533
00:22:47,880 --> 00:22:50,159
Speaker 4: that I've been paying for this for sixteen months? What

534
00:22:50,200 --> 00:22:50,840
Speaker 4: the hell is this?

535
00:22:51,240 --> 00:22:51,440
Speaker 3: Right?

536
00:22:51,480 --> 00:22:53,120
Speaker 4: And it's like I don't even use this thing.

537
00:22:53,400 --> 00:22:55,080
Speaker 5: So you realize there's all this money going out the

538
00:22:55,119 --> 00:22:57,640
Speaker 5: door for stuff you don't care about, and the key

539
00:22:57,760 --> 00:22:59,480
Speaker 5: is making sure that everything that's going out the.

540
00:22:59,400 --> 00:23:01,480
Speaker 4: Door, you're like, yeah, that was worth it, you know.

541
00:23:02,000 --> 00:23:03,720
Speaker 5: And so if the wedding is something that matters to you,

542
00:23:03,720 --> 00:23:05,959
Speaker 5: it's such a cultural thing. It can be very like

543
00:23:06,040 --> 00:23:09,480
Speaker 5: tied to family, tied to culture. I eloped because my

544
00:23:09,560 --> 00:23:11,280
Speaker 5: sister had a hit, huge wedding and I was like, no,

545
00:23:11,400 --> 00:23:13,520
Speaker 5: thank you, this is not for me. I don't want

546
00:23:13,520 --> 00:23:15,760
Speaker 5: to do like I don't I don't want an audience

547
00:23:15,960 --> 00:23:18,320
Speaker 5: in front of my relationship. And I'm still like that,

548
00:23:18,359 --> 00:23:20,800
Speaker 5: like I don't share my relationship on Instagram, like I'm not.

549
00:23:20,880 --> 00:23:23,919
Speaker 5: I just don't write that's me. It's very specific. And

550
00:23:23,960 --> 00:23:26,240
Speaker 5: money is the same thing. So it's like I didn't

551
00:23:26,280 --> 00:23:28,159
Speaker 5: want that, but I really wanted a house, so we

552
00:23:28,240 --> 00:23:30,399
Speaker 5: bought a house and use the money for that, and

553
00:23:30,440 --> 00:23:32,600
Speaker 5: people would be like smart investment. It was smart investment

554
00:23:32,640 --> 00:23:35,240
Speaker 5: because it was what I cared about. The money should

555
00:23:35,280 --> 00:23:37,400
Speaker 5: be doing what you wanted to do. So if you're

556
00:23:37,480 --> 00:23:40,919
Speaker 5: like I want a fabulous wedding, it's I want that memory.

557
00:23:40,960 --> 00:23:43,199
Speaker 5: I want that moment where all of our families are together,

558
00:23:43,560 --> 00:23:45,199
Speaker 5: and this is the only way to do it. And

559
00:23:45,240 --> 00:23:48,320
Speaker 5: it's like, then do it and love every second. Spend

560
00:23:48,320 --> 00:23:50,480
Speaker 5: every dollar that you want to spend, right, and just

561
00:23:50,680 --> 00:23:54,720
Speaker 5: understand you're making an investment in your happiness and something

562
00:23:54,760 --> 00:23:57,800
Speaker 5: that you really always wanted, right and joyfully do that.

563
00:23:58,440 --> 00:24:00,000
Speaker 5: And you can do that and at the same time

564
00:24:00,200 --> 00:24:02,080
Speaker 5: have some money put aside. That's like, Okay, we're not

565
00:24:02,119 --> 00:24:05,959
Speaker 5: spending this, Like create a budget for yourself. Yeah, create Like, Okay,

566
00:24:06,119 --> 00:24:09,160
Speaker 5: I'm comfortable spending this amount of money creating an incredible experience,

567
00:24:09,359 --> 00:24:11,600
Speaker 5: and then then you have to be disciplined, right, Like

568
00:24:12,000 --> 00:24:14,040
Speaker 5: and my equivalent, I have never planned a wedding, but

569
00:24:14,040 --> 00:24:17,520
Speaker 5: I've planned many conferences, which I feel like is similar.

570
00:24:17,560 --> 00:24:20,919
Speaker 5: It's like basically an annual wedding. It's ridiculous, but it's

571
00:24:20,960 --> 00:24:22,840
Speaker 5: the same thing. Like I'm like, I want the LED

572
00:24:22,920 --> 00:24:24,879
Speaker 5: stage and I want this, and I want that, And

573
00:24:24,920 --> 00:24:26,199
Speaker 5: then when I look at the budget, I'm like.

574
00:24:26,240 --> 00:24:29,000
Speaker 4: Yeah, we're not getting that LED stage this year. Cut

575
00:24:29,040 --> 00:24:31,359
Speaker 4: the fancy stage. It's too much. Like the stage alone

576
00:24:31,440 --> 00:24:33,240
Speaker 4: was like one hundred grand. It was madness.

577
00:24:34,000 --> 00:24:35,600
Speaker 5: You know, when I think about, Okay, what else could

578
00:24:35,600 --> 00:24:38,880
Speaker 5: these dollars do That's sometimes a good test is like, Okay,

579
00:24:38,880 --> 00:24:40,520
Speaker 5: if I took the same amount of money, what else

580
00:24:40,680 --> 00:24:43,719
Speaker 5: could I be excited about doing with it? And if

581
00:24:43,760 --> 00:24:45,639
Speaker 5: you're like, no, I really want this and I'm not

582
00:24:45,680 --> 00:24:47,560
Speaker 5: excited about buying a house, but I am excited about this,

583
00:24:47,760 --> 00:24:50,040
Speaker 5: then spend the money and be joyfully spending the money

584
00:24:50,080 --> 00:24:52,080
Speaker 5: and let go of the guilt, let go of this

585
00:24:52,119 --> 00:24:54,119
Speaker 5: idea that you're doing something wrong. You're doing something right

586
00:24:54,119 --> 00:24:55,879
Speaker 5: because you're spending it on what matters to you.

587
00:24:55,960 --> 00:24:58,520
Speaker 1: What if you're equally excited about both of those things

588
00:24:58,560 --> 00:25:01,680
Speaker 1: of a wedding and buying a help, Yes, you could

589
00:25:01,760 --> 00:25:02,160
Speaker 1: have you.

590
00:25:02,119 --> 00:25:05,120
Speaker 5: Could have like a less expensive wedding, or you could

591
00:25:05,119 --> 00:25:07,000
Speaker 5: get a less expensive house. Or you could say, Okay,

592
00:25:07,000 --> 00:25:08,359
Speaker 5: I'm gonna have both of these. I'm gonna do the

593
00:25:08,359 --> 00:25:09,960
Speaker 5: wedding first and then the house, or gonna do the

594
00:25:10,000 --> 00:25:12,159
Speaker 5: house first and then the wedding. You know, so like

595
00:25:12,400 --> 00:25:15,680
Speaker 5: you just gotta you gotta negotiate yourself right and decide

596
00:25:15,840 --> 00:25:19,440
Speaker 5: what's doable when or what's the version of this that

597
00:25:19,560 --> 00:25:20,320
Speaker 5: is doable now?

598
00:25:20,400 --> 00:25:21,920
Speaker 4: And then do I want that? Or do I want

599
00:25:21,920 --> 00:25:23,280
Speaker 4: to have one now and one later?

600
00:25:24,000 --> 00:25:24,520
Speaker 3: Yeah?

601
00:25:25,160 --> 00:25:26,639
Speaker 5: And by the way, just so you know, when you

602
00:25:26,680 --> 00:25:29,160
Speaker 5: have lots and lots of money, this does not change.

603
00:25:29,680 --> 00:25:32,720
Speaker 5: I still want to buy two giant, expensive things at

604
00:25:32,720 --> 00:25:34,920
Speaker 5: the same time. And my husband's like, no, we could

605
00:25:34,920 --> 00:25:37,560
Speaker 5: do one or the other. And I'm like, stop facing

606
00:25:37,600 --> 00:25:39,920
Speaker 5: reality with me, like I want to pretend that both

607
00:25:39,920 --> 00:25:41,800
Speaker 5: are happening right now, and he's like, no, no, no, you

608
00:25:41,840 --> 00:25:43,879
Speaker 5: gotta have one. We can't do We could do all

609
00:25:43,920 --> 00:25:45,640
Speaker 5: the things, we can't do them all at the same

610
00:25:45,680 --> 00:25:48,040
Speaker 5: time because we just you still have a limited amount

611
00:25:48,040 --> 00:25:50,000
Speaker 5: of money. Even though it's a large sum of money,

612
00:25:50,119 --> 00:25:53,000
Speaker 5: it's still limited, right, and you're always broke to somebody,

613
00:25:53,080 --> 00:25:53,800
Speaker 5: like to a billionaire.

614
00:25:53,840 --> 00:25:55,440
Speaker 4: I'm sure I look like a little ant.

615
00:25:55,280 --> 00:25:55,840
Speaker 3: You know what I mean.

616
00:25:57,240 --> 00:26:01,000
Speaker 1: I was gonna ask about your when we her we

617
00:26:01,040 --> 00:26:03,679
Speaker 1: had a guest, Jason Tartik, and he was talking about

618
00:26:03,800 --> 00:26:08,640
Speaker 1: the conversations with your partner or spouse about finances. Yes,

619
00:26:08,800 --> 00:26:11,639
Speaker 1: and I'm curious, how soon did you have that into

620
00:26:11,680 --> 00:26:14,760
Speaker 1: your relationship with your now husband? When did y'all did

621
00:26:14,760 --> 00:26:16,919
Speaker 1: you have those conversations before you got married or was

622
00:26:16,920 --> 00:26:19,400
Speaker 1: that like a we need to have these.

623
00:26:19,200 --> 00:26:22,360
Speaker 5: Now, we have those conversations from the very beginning, Okay,

624
00:26:22,480 --> 00:26:25,800
Speaker 5: and I think we had the benefit of I say benefit,

625
00:26:25,800 --> 00:26:28,080
Speaker 5: but like both growing up poor, so we just grow

626
00:26:28,200 --> 00:26:31,160
Speaker 5: up poor. You're just when people say money doesn't matter

627
00:26:31,200 --> 00:26:32,760
Speaker 5: to me, it just makes you want to smack people

628
00:26:32,760 --> 00:26:34,560
Speaker 5: because you're like, you clearly.

629
00:26:34,440 --> 00:26:35,160
Speaker 4: Have never been paid.

630
00:26:35,200 --> 00:26:37,920
Speaker 5: Yeah right, Like if you've ever you know, struggled to

631
00:26:37,920 --> 00:26:40,280
Speaker 5: get a meal or had somebody coming to collect rent

632
00:26:40,320 --> 00:26:42,280
Speaker 5: that you felt was going to put you out, and

633
00:26:42,640 --> 00:26:45,359
Speaker 5: you are crystal clear on how important money is. So

634
00:26:45,560 --> 00:26:48,359
Speaker 5: both of us had that experience growing up. And so yeah,

635
00:26:48,359 --> 00:26:50,520
Speaker 5: we just talked about it. And he was telling me

636
00:26:50,560 --> 00:26:52,880
Speaker 5: about the he was investing in real estate, so he's

637
00:26:52,920 --> 00:26:54,760
Speaker 5: telling me about the moves that he's trying to make.

638
00:26:54,920 --> 00:26:57,320
Speaker 5: And then I was doing my thing, and so I

639
00:26:57,359 --> 00:26:59,440
Speaker 5: was telling him about my We're just sharing our vision

640
00:26:59,480 --> 00:27:01,359
Speaker 5: on our dream and that included money.

641
00:27:01,640 --> 00:27:03,719
Speaker 4: So we talked about it. Like we didn't say how

642
00:27:03,760 --> 00:27:04,919
Speaker 4: much do you make? How much do you make?

643
00:27:04,920 --> 00:27:08,400
Speaker 5: Blah blah blah on day one, but we probably were

644
00:27:08,440 --> 00:27:10,919
Speaker 5: talking about that within three months for sure.

645
00:27:11,400 --> 00:27:11,560
Speaker 1: Yea.

646
00:27:12,320 --> 00:27:16,040
Speaker 5: And he actually, it's funny. One of my asser.

647
00:27:15,920 --> 00:27:18,320
Speaker 4: Used to say to me was like I really enjoy that.

648
00:27:18,320 --> 00:27:19,840
Speaker 5: I don't have to pretend I want to spend all

649
00:27:19,840 --> 00:27:22,400
Speaker 5: my money with you, because he said he'd take people

650
00:27:22,400 --> 00:27:24,119
Speaker 5: out on dates and they'd like, you have to go

651
00:27:24,200 --> 00:27:26,800
Speaker 5: to the most fancy place, and like they always wanted

652
00:27:26,840 --> 00:27:29,000
Speaker 5: him to take them shopping, and it was like all

653
00:27:29,080 --> 00:27:32,040
Speaker 5: this like expenditure to date.

654
00:27:31,920 --> 00:27:34,760
Speaker 3: Weird things, I know, And so he would never expect

655
00:27:34,760 --> 00:27:36,760
Speaker 3: somebody to go shopping for me on a date.

656
00:27:37,000 --> 00:27:37,240
Speaker 4: I know.

657
00:27:37,400 --> 00:27:39,600
Speaker 5: Well, sometimes it's like you're dating for a couple of

658
00:27:39,680 --> 00:27:41,479
Speaker 5: weeks and the next thing you know, it's like somebody's

659
00:27:41,520 --> 00:27:44,639
Speaker 5: birthday or somebody something and they're like, buy me something fancy,

660
00:27:45,160 --> 00:27:48,159
Speaker 5: Like that's part of the dating process apparently, And I

661
00:27:48,160 --> 00:27:50,680
Speaker 5: didn't care about none of that. And he's like, this

662
00:27:50,720 --> 00:27:53,119
Speaker 5: is so refreshing. I don't have to pretend that I

663
00:27:53,240 --> 00:27:56,280
Speaker 5: just want to like spend every dollar I have on you.

664
00:27:58,160 --> 00:28:00,520
Speaker 5: And I'm like, in fact, he actually bought me fans

665
00:28:00,520 --> 00:28:01,760
Speaker 5: and gifts and I was like, please don't.

666
00:28:02,080 --> 00:28:03,760
Speaker 4: Yeah, like I felt uncomfortable.

667
00:28:03,880 --> 00:28:08,000
Speaker 1: Yeah, where were you in your because your self made

668
00:28:08,040 --> 00:28:10,240
Speaker 1: you you started And I was going to ask you

669
00:28:10,240 --> 00:28:12,120
Speaker 1: when you were saying you were saying all these talking

670
00:28:12,119 --> 00:28:15,440
Speaker 1: about mindset, you were having all these demotivating thoughts, Yes,

671
00:28:15,560 --> 00:28:19,480
Speaker 1: what happened or who inspired you to switch your mindset,

672
00:28:19,560 --> 00:28:23,159
Speaker 1: because that that's something big had to happen for that

673
00:28:23,320 --> 00:28:24,000
Speaker 1: to switch, right.

674
00:28:24,119 --> 00:28:26,240
Speaker 4: Well, it's not a big thing. It's more of a practice.

675
00:28:26,280 --> 00:28:28,080
Speaker 5: We always think it's like oh this I'm gonna have

676
00:28:28,119 --> 00:28:31,240
Speaker 5: this genius idea, or like this lightning is going to

677
00:28:31,240 --> 00:28:32,640
Speaker 5: strike and then I'll make it rich.

678
00:28:32,720 --> 00:28:34,120
Speaker 4: It's like, now, that's not how this works.

679
00:28:34,480 --> 00:28:37,640
Speaker 5: It's basically just whittling away at a daily it's actually habits.

680
00:28:38,040 --> 00:28:39,280
Speaker 5: It's just being consistent.

681
00:28:39,480 --> 00:28:42,120
Speaker 4: You know, like, what what was your habit? You either

682
00:28:42,200 --> 00:28:45,080
Speaker 4: have a million dollar habit or a a broke ass Yeah,

683
00:28:45,160 --> 00:28:45,960
Speaker 4: brokes habit.

684
00:28:47,280 --> 00:28:49,120
Speaker 1: Can you explain the difference of those, because I think

685
00:28:49,120 --> 00:28:51,320
Speaker 1: our listeners will yes, take that.

686
00:28:51,640 --> 00:28:51,880
Speaker 4: Yes.

687
00:28:52,840 --> 00:28:57,000
Speaker 5: So you know, like at the time, my habits were

688
00:28:57,120 --> 00:29:01,640
Speaker 5: talking terribly to myself, treating myself well, so like not

689
00:29:02,520 --> 00:29:05,600
Speaker 5: you know, getting enough sleep, not ragging my body, like

690
00:29:05,680 --> 00:29:08,480
Speaker 5: not getting therapy, like everything is just I was a workaholic,

691
00:29:08,840 --> 00:29:11,320
Speaker 5: so I just worked, work, worked to try to make money.

692
00:29:11,760 --> 00:29:14,320
Speaker 5: And what I've learned now, you know, many years into

693
00:29:14,360 --> 00:29:16,720
Speaker 5: my career, is that the more I rest, the more money.

694
00:29:16,520 --> 00:29:19,040
Speaker 4: I make, right, And it doesn't mean that I could.

695
00:29:18,840 --> 00:29:20,959
Speaker 5: Be in restmo twenty four to seven, But it does

696
00:29:21,080 --> 00:29:22,800
Speaker 5: mean that like if I get eight hours of sleep

697
00:29:22,840 --> 00:29:24,360
Speaker 5: and then I wake up and go to you know,

698
00:29:24,480 --> 00:29:26,800
Speaker 5: have my quiet time. In the morning, I go work out,

699
00:29:27,200 --> 00:29:28,760
Speaker 5: and then I take my kids to school and have

700
00:29:28,840 --> 00:29:31,320
Speaker 5: quality time with my family, and then I start my

701
00:29:31,360 --> 00:29:33,720
Speaker 5: work day. Now I'm like ready to go and I'm

702
00:29:33,760 --> 00:29:36,480
Speaker 5: just fired up. I'm like it's like almost like this

703
00:29:36,600 --> 00:29:38,960
Speaker 5: warm up for the day and then I'm ready, yeah

704
00:29:38,960 --> 00:29:42,640
Speaker 5: for business. But if I try to go directly into it,

705
00:29:42,640 --> 00:29:45,000
Speaker 5: it's like it doesn't work as well. So like that's

706
00:29:45,040 --> 00:29:47,800
Speaker 5: an example of a habit, but also delegating. One of

707
00:29:47,840 --> 00:29:49,320
Speaker 5: the things I do is every day I look at

708
00:29:49,320 --> 00:29:50,720
Speaker 5: my to do list and I'm like, who else could

709
00:29:50,760 --> 00:29:52,720
Speaker 5: do this stuff? So I'm like I don't need to

710
00:29:52,720 --> 00:29:54,120
Speaker 5: go to that meeting. You go and tell me what

711
00:29:54,240 --> 00:29:57,479
Speaker 5: was said right, report back, and or you know, like

712
00:29:57,560 --> 00:30:00,360
Speaker 5: oh something I I'll source with my husband. I have

713
00:30:00,400 --> 00:30:02,640
Speaker 5: a house manager, I have a team. I'm an assistant,

714
00:30:02,640 --> 00:30:05,280
Speaker 5: and it's like I'm out outsourced to my daughter. I

715
00:30:05,320 --> 00:30:08,040
Speaker 5: was like, Riley, I need you to ride your brother

716
00:30:08,160 --> 00:30:11,080
Speaker 5: to this to take him to this birthday party. Like

717
00:30:11,120 --> 00:30:12,960
Speaker 5: you ride your bike and ride your bike with him

718
00:30:13,320 --> 00:30:14,760
Speaker 5: and you take him to the birth and that's what.

719
00:30:14,720 --> 00:30:15,480
Speaker 4: She did the other day.

720
00:30:15,560 --> 00:30:19,120
Speaker 1: You know, Yeah, you're delegating from the top to the body.

721
00:30:19,160 --> 00:30:21,920
Speaker 5: And listen, my goal is to have nothing on that

722
00:30:21,960 --> 00:30:23,120
Speaker 5: to do list at the end of the day, or

723
00:30:23,200 --> 00:30:26,640
Speaker 5: maybe like one to three things that only I can do,

724
00:30:27,120 --> 00:30:28,640
Speaker 5: and then I go do those things and I crush

725
00:30:28,680 --> 00:30:30,440
Speaker 5: it right, Like this is how I'm able to produce

726
00:30:30,480 --> 00:30:31,080
Speaker 5: so many books.

727
00:30:31,080 --> 00:30:34,240
Speaker 3: And so we're all trying to do five hundred things

728
00:30:34,240 --> 00:30:34,440
Speaker 3: in a.

729
00:30:34,480 --> 00:30:37,200
Speaker 5: Day, yes, and I'm like, these five hundred things do

730
00:30:37,320 --> 00:30:39,920
Speaker 5: not help me get closer to my goals. So let

731
00:30:39,960 --> 00:30:42,840
Speaker 5: me hire somebody else, pay them a good salary to

732
00:30:43,000 --> 00:30:45,480
Speaker 5: like take a lot of those things off of my plate,

733
00:30:45,880 --> 00:30:48,960
Speaker 5: and then literally I will outsource to anyone who's standing

734
00:30:49,040 --> 00:30:49,320
Speaker 5: near me.

735
00:30:51,120 --> 00:30:52,480
Speaker 4: Hey, put this real quick.

736
00:30:53,360 --> 00:30:56,440
Speaker 1: That's I mean, that's an investment in yourself when you're

737
00:30:56,440 --> 00:30:59,800
Speaker 1: paying someone to help you check the to do list exactly.

738
00:31:00,000 --> 00:31:02,680
Speaker 5: And so delegating, I think is key. I think it's

739
00:31:02,680 --> 00:31:05,560
Speaker 5: important to like have those moments family time, like that's

740
00:31:05,560 --> 00:31:08,480
Speaker 5: built into my mornings and and my afternoons as well.

741
00:31:08,800 --> 00:31:09,320
Speaker 4: But like that.

742
00:31:09,360 --> 00:31:12,120
Speaker 5: Quality time, then I just feel filled up and I'm

743
00:31:12,120 --> 00:31:13,920
Speaker 5: just in a better mood and I'm ready to go

744
00:31:14,080 --> 00:31:16,520
Speaker 5: tackle the day. I also look at my money every

745
00:31:16,560 --> 00:31:19,080
Speaker 5: day just to assess what's going on, like let me

746
00:31:19,440 --> 00:31:21,920
Speaker 5: check my merchant to count for the business, let me

747
00:31:22,000 --> 00:31:23,640
Speaker 5: check the operation of the account, just so I know

748
00:31:23,680 --> 00:31:28,000
Speaker 5: what's going on. And then or like checking investments regularly,

749
00:31:28,160 --> 00:31:30,560
Speaker 5: like those kinds of things. Just look at your money,

750
00:31:30,680 --> 00:31:32,560
Speaker 5: know what is happening. Do not put your head in

751
00:31:32,560 --> 00:31:35,560
Speaker 5: the sand, right so no assess the situation. So these

752
00:31:35,600 --> 00:31:37,680
Speaker 5: are some of the habits. And then just doing a

753
00:31:37,760 --> 00:31:40,600
Speaker 5: money generating activity every day. So it's like, let me

754
00:31:40,640 --> 00:31:43,600
Speaker 5: pitch myself for this thing today. Let me you know,

755
00:31:44,000 --> 00:31:47,200
Speaker 5: like I did three books with audible which were great

756
00:31:47,320 --> 00:31:48,720
Speaker 5: and then they loved them.

757
00:31:48,760 --> 00:31:50,200
Speaker 4: They've been very happy with the results.

758
00:31:50,160 --> 00:31:52,360
Speaker 5: So I'm like, okay, I got three more, which you think,

759
00:31:52,440 --> 00:31:54,760
Speaker 5: and I, you know, spent I got up early the

760
00:31:54,760 --> 00:31:57,240
Speaker 5: other day and wrote those other three ideas for three

761
00:31:57,280 --> 00:31:59,240
Speaker 5: more audible books and pitch them on it, like do

762
00:31:59,240 --> 00:32:00,000
Speaker 5: you want to do another?

763
00:32:00,440 --> 00:32:01,360
Speaker 4: Let's do another.

764
00:32:01,120 --> 00:32:04,720
Speaker 5: Three, you know, And so like those kinds of things, right,

765
00:32:04,800 --> 00:32:07,280
Speaker 5: it's just like a money generated activity, something that can

766
00:32:07,360 --> 00:32:09,400
Speaker 5: generate money. It could be pitching yourself for something, it

767
00:32:09,400 --> 00:32:11,360
Speaker 5: could be following up with a client who said they

768
00:32:11,400 --> 00:32:14,680
Speaker 5: wanted to pay you. It could be sending an email

769
00:32:14,960 --> 00:32:17,160
Speaker 5: to you know, a group of people that might want

770
00:32:17,160 --> 00:32:20,040
Speaker 5: to hire you. Like, what's just one little activity? Could

771
00:32:20,080 --> 00:32:23,080
Speaker 5: be doing some social media content because you know that

772
00:32:23,080 --> 00:32:27,160
Speaker 5: that leads to opportunities, right, whatever it is, one of

773
00:32:27,200 --> 00:32:29,720
Speaker 5: those is a day, not weekends, but like during the week.

774
00:32:29,800 --> 00:32:32,280
Speaker 5: So like these kinds of things, it's just whittling away

775
00:32:32,320 --> 00:32:35,800
Speaker 5: at it daily is what actually leads to the snowball effect.

776
00:32:36,080 --> 00:32:38,120
Speaker 5: But we're like, no, if I can't have the boom

777
00:32:38,120 --> 00:32:41,040
Speaker 5: boom pal right now, I'm not gonna bother. Okay, well

778
00:32:41,040 --> 00:32:42,800
Speaker 5: you're not gonna have it because you have to show

779
00:32:42,880 --> 00:32:45,240
Speaker 5: up every day and just do the little My mom

780
00:32:45,560 --> 00:32:46,760
Speaker 5: used to annoying the crap out of me.

781
00:32:46,760 --> 00:32:48,920
Speaker 4: She'd always be like, just a little every day, just

782
00:32:48,960 --> 00:32:51,000
Speaker 4: a little every day. So she would always say it.

783
00:32:51,040 --> 00:32:52,880
Speaker 4: I'd be like, shut up, mom, I'm not a little

784
00:32:52,880 --> 00:32:56,360
Speaker 4: everyday person. I'm a big vision person, you know. But

785
00:32:56,400 --> 00:32:58,120
Speaker 4: it's that was nonsense. She was right.

786
00:32:58,280 --> 00:33:00,640
Speaker 5: It was a little every day right. That to all

787
00:33:00,680 --> 00:33:02,920
Speaker 5: of the success that I have, Right, showing up every

788
00:33:02,960 --> 00:33:05,680
Speaker 5: day and just doing something. Yeah, and you don't even

789
00:33:05,720 --> 00:33:07,160
Speaker 5: you don't have to sit at your desk for eight hours,

790
00:33:07,160 --> 00:33:09,680
Speaker 5: if you just show up and do something that is

791
00:33:09,880 --> 00:33:16,120
Speaker 5: money generating, not like research forever preparing to prepare all

792
00:33:16,160 --> 00:33:18,760
Speaker 5: the things we do to hide scrolling social media.

793
00:33:18,800 --> 00:33:21,920
Speaker 4: I'm researching, so you're not preparing to prepare.

794
00:33:23,520 --> 00:33:27,960
Speaker 1: I do a lot of preparing to prepare on TikTok scrolling.

795
00:33:28,440 --> 00:33:29,360
Speaker 3: I do the same.

796
00:33:29,800 --> 00:33:32,280
Speaker 2: I waste so much of my time and energy into

797
00:33:32,320 --> 00:33:34,560
Speaker 2: things that really don't matter.

798
00:33:34,880 --> 00:33:38,440
Speaker 5: Yes, And I'm like, let's get the money generating activity

799
00:33:38,720 --> 00:33:40,240
Speaker 5: out of the way so that you could just go

800
00:33:40,360 --> 00:33:42,520
Speaker 5: enjoy the rest of your day, Like what would make

801
00:33:42,560 --> 00:33:44,160
Speaker 5: me end this day and be like I'm proud of

802
00:33:44,160 --> 00:33:47,120
Speaker 5: what I accomplished today. Right, So that's like some of

803
00:33:47,160 --> 00:33:48,600
Speaker 5: what I think about, And I'm like, I want to

804
00:33:48,600 --> 00:33:51,360
Speaker 5: do those things, not the busy work. That's like answering

805
00:33:51,560 --> 00:33:54,120
Speaker 5: twelve emails about stuff that I don't even care about

806
00:33:54,120 --> 00:33:54,760
Speaker 5: and doesn't matter.

807
00:33:55,000 --> 00:33:56,440
Speaker 4: Here's a novel idea.

808
00:33:56,560 --> 00:33:59,760
Speaker 5: Don't answer the emails, just leave them, let them sit,

809
00:34:00,200 --> 00:34:02,560
Speaker 5: or even this is really exciting.

810
00:34:02,360 --> 00:34:09,040
Speaker 4: Delete them, you know what I mean.

811
00:34:09,160 --> 00:34:12,680
Speaker 5: Like, we don't realize how much we have stuff coming

812
00:34:12,719 --> 00:34:15,560
Speaker 5: at us that doesn't matter, you know what I mean.

813
00:34:15,680 --> 00:34:17,680
Speaker 5: And then we're like I have no time all the

814
00:34:17,719 --> 00:34:19,759
Speaker 5: things that really matter. It's like, okay, well, if you

815
00:34:19,800 --> 00:34:21,720
Speaker 5: cut out all the crap that you don't care about,

816
00:34:21,840 --> 00:34:24,800
Speaker 5: there's like twelve hours now in your day, in your day.

817
00:34:26,120 --> 00:34:28,279
Speaker 3: Having like a breakthrough over here. I'm like, yeah, I'm

818
00:34:28,280 --> 00:34:29,040
Speaker 3: going to church.

819
00:34:29,360 --> 00:34:44,920
Speaker 4: Yes, I know.

820
00:34:45,000 --> 00:34:49,040
Speaker 1: There's a lot of different opinions on credit card versus

821
00:34:49,040 --> 00:34:52,680
Speaker 1: debit cards. So people that are like I, you should

822
00:34:52,680 --> 00:34:54,840
Speaker 1: only be spending the money that you have in your account,

823
00:34:54,880 --> 00:34:56,719
Speaker 1: and then there's you have to get a credit card,

824
00:34:56,719 --> 00:34:58,759
Speaker 1: you have to build credit. I'm curious about your take

825
00:34:58,800 --> 00:35:00,239
Speaker 1: on that or where you stand on the Yes.

826
00:35:00,800 --> 00:35:03,319
Speaker 5: I think that the reason why people say never have

827
00:35:03,360 --> 00:35:05,840
Speaker 5: a credit card is because they don't trust themselves and

828
00:35:05,880 --> 00:35:08,239
Speaker 5: therefore they don't trust you. So they're like, don't have

829
00:35:08,280 --> 00:35:10,800
Speaker 5: a credit card because something horrible is going to happen.

830
00:35:11,080 --> 00:35:13,480
Speaker 5: And it's like, or I could be a grown up

831
00:35:13,600 --> 00:35:15,640
Speaker 5: and use the credit card in a grown up way,

832
00:35:16,160 --> 00:35:19,879
Speaker 5: you know what I mean? And all, if credit cards

833
00:35:19,880 --> 00:35:22,640
Speaker 5: are kryptonite for you, if like shopaholism is a real

834
00:35:22,719 --> 00:35:25,600
Speaker 5: thing for you or whatever, then use proper judgment, right,

835
00:35:25,640 --> 00:35:28,200
Speaker 5: Like maybe credit cards is just it's not for you, right,

836
00:35:28,719 --> 00:35:30,120
Speaker 5: or maybe it's the kind of thing you leave it

837
00:35:30,160 --> 00:35:32,400
Speaker 5: at home and you only use it on certain circumstances

838
00:35:32,520 --> 00:35:35,000
Speaker 5: or something like that. But I think for most of us,

839
00:35:35,360 --> 00:35:37,680
Speaker 5: we can just be disciplined and have a plan and

840
00:35:37,719 --> 00:35:38,560
Speaker 5: stick with our plan.

841
00:35:39,080 --> 00:35:41,680
Speaker 4: And when you cannot help.

842
00:35:41,760 --> 00:35:43,800
Speaker 5: But use the credit card, you have to ask yourself,

843
00:35:43,840 --> 00:35:46,680
Speaker 5: like why what do I want? What do I think

844
00:35:47,160 --> 00:35:49,360
Speaker 5: swiping this card is going to do for me? Because

845
00:35:49,360 --> 00:35:52,640
Speaker 5: what we're looking for is joy or pleasure, and I

846
00:35:52,640 --> 00:35:54,640
Speaker 5: think that's one of the things, especially for women, we

847
00:35:54,719 --> 00:35:57,920
Speaker 5: are starved of pleasure. We just work, work, work, work, work, NonStop,

848
00:35:57,960 --> 00:36:00,560
Speaker 5: take care of other people you know, or its parents

849
00:36:00,640 --> 00:36:05,280
Speaker 5: or siblings or whatever, or kids or partners, and then.

850
00:36:05,120 --> 00:36:06,759
Speaker 4: We go to sleep, you know what I mean, and

851
00:36:06,800 --> 00:36:07,759
Speaker 4: the day is over right.

852
00:36:07,800 --> 00:36:10,120
Speaker 5: So it's like there's not enough pleasure in our day

853
00:36:10,160 --> 00:36:12,840
Speaker 5: if we had more joy, right, So it's like instead

854
00:36:12,840 --> 00:36:14,320
Speaker 5: of And this is something that my friends who's in

855
00:36:14,360 --> 00:36:16,239
Speaker 5: Hyatt talks about. She has a book called Bear, which

856
00:36:16,280 --> 00:36:20,040
Speaker 5: I highly recommend Bear, and it taught me about like

857
00:36:20,120 --> 00:36:25,640
Speaker 5: how we overeat, or we overshop or we overscroll. We're

858
00:36:25,640 --> 00:36:27,680
Speaker 5: doing all of these things because we it's just like

859
00:36:27,719 --> 00:36:30,400
Speaker 5: a low grade pleasure that we can just say okay,

860
00:36:30,480 --> 00:36:32,319
Speaker 5: like this is all that's available to me, so let

861
00:36:32,320 --> 00:36:34,759
Speaker 5: me watch Netflix for eight hours because there's no other

862
00:36:34,800 --> 00:36:37,279
Speaker 5: pleasure available, right, Or we can say, what are some

863
00:36:37,440 --> 00:36:40,040
Speaker 5: like high grade ways that I want to engage with

864
00:36:40,080 --> 00:36:43,120
Speaker 5: public mag is, like going for a hike or you know,

865
00:36:43,200 --> 00:36:46,600
Speaker 5: planning a brunch with friends or just do it, doing something,

866
00:36:46,760 --> 00:36:50,200
Speaker 5: taking an art class like doing ceramics, or what would

867
00:36:50,280 --> 00:36:52,680
Speaker 5: actually bring me joy versus this thing where I get

868
00:36:52,680 --> 00:36:55,040
Speaker 5: this tiny hit when I swipe my card. So I

869
00:36:55,080 --> 00:36:57,560
Speaker 5: think we have to actually attack the thoughts that are

870
00:36:57,560 --> 00:37:00,360
Speaker 5: behind the action. It's like, if you have a habit

871
00:37:00,480 --> 00:37:03,800
Speaker 5: that is something you want to stop doing, ask yourself

872
00:37:03,800 --> 00:37:04,439
Speaker 5: like why am I doing?

873
00:37:04,440 --> 00:37:06,759
Speaker 4: What am I looking for out of this? Why am

874
00:37:06,800 --> 00:37:08,440
Speaker 4: I drinking so much? Why am I doing this? Why

875
00:37:08,440 --> 00:37:09,080
Speaker 4: am I doing that?

876
00:37:09,400 --> 00:37:12,080
Speaker 5: It's because we're like missing something that we want, right,

877
00:37:12,120 --> 00:37:14,920
Speaker 5: And it's usually we're denying ourselves fun, We're denying ourselves

878
00:37:14,920 --> 00:37:18,480
Speaker 5: our dreams. Like if we actually chase joy and chase pleasure,

879
00:37:18,840 --> 00:37:20,640
Speaker 5: the rest of it actually starts to fall into place

880
00:37:20,640 --> 00:37:22,720
Speaker 5: because we stop doing all these things that we need

881
00:37:22,840 --> 00:37:25,000
Speaker 5: and we were just gnoming out from life because life

882
00:37:25,000 --> 00:37:25,799
Speaker 5: ain't working for us.

883
00:37:26,000 --> 00:37:27,240
Speaker 4: Yeah, on some level.

884
00:37:27,440 --> 00:37:29,600
Speaker 2: It's so funny because I feel like my relationship with

885
00:37:29,719 --> 00:37:33,600
Speaker 2: credit cards is so opposite because my mom opened she

886
00:37:33,640 --> 00:37:34,959
Speaker 2: got me a credit card, and I was like young

887
00:37:35,040 --> 00:37:37,200
Speaker 2: to help me build my credit, so she forced me

888
00:37:37,280 --> 00:37:39,560
Speaker 2: to like she's like, okay, put that on your credit

889
00:37:39,640 --> 00:37:41,359
Speaker 2: card and then we pay it off and you're gonna

890
00:37:41,360 --> 00:37:42,399
Speaker 2: start building your credit score.

891
00:37:42,440 --> 00:37:44,239
Speaker 3: So for me, it was like a more like a

892
00:37:44,280 --> 00:37:46,000
Speaker 3: tool than anything else.

893
00:37:46,400 --> 00:37:49,319
Speaker 2: But are you one of those people that, cause I

894
00:37:49,360 --> 00:37:50,759
Speaker 2: know that there's those people who are like, oh I

895
00:37:50,760 --> 00:37:51,840
Speaker 2: got it with points.

896
00:37:52,000 --> 00:37:52,680
Speaker 3: I got to us.

897
00:37:52,760 --> 00:37:54,200
Speaker 4: Your possessed with points.

898
00:37:54,360 --> 00:37:55,560
Speaker 3: Okay, it's like free money.

899
00:37:55,640 --> 00:37:57,160
Speaker 4: I'm a point woman.

900
00:37:57,560 --> 00:37:59,960
Speaker 3: Okay, that's for sure. Okay, so you do all that,

901
00:38:00,320 --> 00:38:02,000
Speaker 3: like you use all the credit cards.

902
00:38:02,040 --> 00:38:05,120
Speaker 5: All the do like whatever complicated thing people do. Because

903
00:38:05,120 --> 00:38:07,640
Speaker 5: I'm very precious with my time, so I'm like, I'm

904
00:38:07,680 --> 00:38:09,719
Speaker 5: not spending all this time figuring this out. But I

905
00:38:09,760 --> 00:38:12,239
Speaker 5: have one card right that and what we do is

906
00:38:12,280 --> 00:38:14,600
Speaker 5: we put which one is the best. I use AMEX

907
00:38:14,640 --> 00:38:16,000
Speaker 5: a Platinum, and that's.

908
00:38:15,800 --> 00:38:17,560
Speaker 3: The best one that you feel like with points to work,

909
00:38:17,600 --> 00:38:17,960
Speaker 3: and I.

910
00:38:18,000 --> 00:38:21,360
Speaker 5: Think so that I have found for business needs. So

911
00:38:21,920 --> 00:38:24,400
Speaker 5: we use it for the business. And I put literally

912
00:38:24,520 --> 00:38:26,960
Speaker 5: every expense other than payroll. We tried to put payroll

913
00:38:26,960 --> 00:38:27,200
Speaker 5: in there.

914
00:38:27,200 --> 00:38:29,360
Speaker 4: We can't. We were like, if we could, we would,

915
00:38:29,800 --> 00:38:30,880
Speaker 4: so like we put.

916
00:38:30,719 --> 00:38:34,200
Speaker 5: Every single expense on there and then we pay it

917
00:38:34,200 --> 00:38:36,319
Speaker 5: off at the end of the month. But so it's

918
00:38:36,360 --> 00:38:37,920
Speaker 5: like if you you know, if you have a business

919
00:38:37,960 --> 00:38:40,080
Speaker 5: with a lot of expenses every month, that's a good

920
00:38:40,080 --> 00:38:42,960
Speaker 5: amount of money that all is coming back in points.

921
00:38:43,360 --> 00:38:45,560
Speaker 5: So because of that, I don't pay for travel, like

922
00:38:45,600 --> 00:38:47,439
Speaker 5: I haven't paid for flight and forever, I don't pay

923
00:38:47,440 --> 00:38:50,239
Speaker 5: for hotels because it's all coming through points because we

924
00:38:50,280 --> 00:38:53,720
Speaker 5: get literally millions of points a year because we're running

925
00:38:53,760 --> 00:38:55,560
Speaker 5: all of the expenses other than payroll for an eight

926
00:38:55,560 --> 00:38:57,759
Speaker 5: figure business through this card and we just pay it

927
00:38:58,080 --> 00:39:00,200
Speaker 5: at the end of every month. So it's like the

928
00:39:00,200 --> 00:39:01,319
Speaker 5: money just accumulates.

929
00:39:01,320 --> 00:39:05,239
Speaker 2: Like the stuff though that I feel like is so

930
00:39:05,440 --> 00:39:07,640
Speaker 2: it's so smart and you don't even think about it,

931
00:39:07,719 --> 00:39:09,680
Speaker 2: you know, Like I have these expenses that I pay

932
00:39:09,719 --> 00:39:12,360
Speaker 2: that are work expenses, and I just pay them on

933
00:39:12,360 --> 00:39:14,400
Speaker 2: my debit card because that's like I know, all my

934
00:39:14,400 --> 00:39:15,960
Speaker 2: money's in there, so it just pulls out of that.

935
00:39:16,280 --> 00:39:16,759
Speaker 3: Why am I not.

936
00:39:16,760 --> 00:39:19,480
Speaker 4: Putting that Rachel's level. I got my MX platinum.

937
00:39:19,560 --> 00:39:22,600
Speaker 3: Yes, yes, I'm not doing that.

938
00:39:22,920 --> 00:39:25,240
Speaker 1: It's okay though, I just got mine, and I I

939
00:39:25,320 --> 00:39:28,280
Speaker 1: my mind is blown to the world of how points

940
00:39:28,360 --> 00:39:28,960
Speaker 1: and travel.

941
00:39:29,560 --> 00:39:31,920
Speaker 4: I'm like, and it's not just travel, you can use

942
00:39:31,920 --> 00:39:32,560
Speaker 4: it for others.

943
00:39:32,680 --> 00:39:35,520
Speaker 3: So I have what is my what is my credit card?

944
00:39:35,600 --> 00:39:40,000
Speaker 3: I'm blinking on it. Oh my gosh, uh, oh my gosh. Chase,

945
00:39:40,480 --> 00:39:42,919
Speaker 3: That's what it is. There's a Chase credit card. And

946
00:39:43,000 --> 00:39:45,960
Speaker 3: to me, that point system is so hard to understand.

947
00:39:46,160 --> 00:39:48,239
Speaker 5: Yeah, like it's actually, I mean, you just got to

948
00:39:48,280 --> 00:39:49,560
Speaker 5: figure out what actually matters to you.

949
00:39:49,680 --> 00:39:51,960
Speaker 4: So like, for me, my joy is travel.

950
00:39:52,000 --> 00:39:54,359
Speaker 5: I love to travel, and I love like I want

951
00:39:54,400 --> 00:39:56,719
Speaker 5: to stay at the nicest place and I only want

952
00:39:56,719 --> 00:39:59,919
Speaker 5: to fly first classes and so like points is where

953
00:40:00,200 --> 00:40:03,240
Speaker 5: at for Delta. So it's like basically, I just transfer

954
00:40:03,320 --> 00:40:05,920
Speaker 5: all my points to my Delta sky Miles account and

955
00:40:05,960 --> 00:40:08,480
Speaker 5: then or I'll book right through amex Travel and use

956
00:40:08,480 --> 00:40:09,840
Speaker 5: my points to pay for the hotel.

957
00:40:10,280 --> 00:40:11,680
Speaker 4: So like that's that's it.

958
00:40:11,960 --> 00:40:14,080
Speaker 5: I'm really not figuring out all the ways that I

959
00:40:14,080 --> 00:40:17,000
Speaker 5: could get more points. But you get like five x

960
00:40:17,040 --> 00:40:19,240
Speaker 5: on Facebook as for example, you get five.

961
00:40:19,200 --> 00:40:20,160
Speaker 4: X on certain things.

962
00:40:20,440 --> 00:40:22,399
Speaker 5: So it's like I think sometimes if you just dip

963
00:40:22,440 --> 00:40:24,239
Speaker 5: your toe in then you start to figure it out.

964
00:40:24,480 --> 00:40:25,280
Speaker 4: But but you're.

965
00:40:25,400 --> 00:40:26,520
Speaker 3: Opening my mind to that.

966
00:40:26,600 --> 00:40:28,200
Speaker 2: I'm like, oh my gosh, I'm going to get a

967
00:40:28,200 --> 00:40:31,160
Speaker 2: credit card to do all my work expenses exactly instead

968
00:40:31,160 --> 00:40:32,239
Speaker 2: of through Oh my god.

969
00:40:32,520 --> 00:40:35,080
Speaker 5: Yes, And to your point, like, I don't like when

970
00:40:35,120 --> 00:40:38,080
Speaker 5: people are dogmatic like you must only use debit cards,

971
00:40:38,120 --> 00:40:39,480
Speaker 5: you must only use It's.

972
00:40:39,360 --> 00:40:42,040
Speaker 4: Like figure out what works for you, yes.

973
00:40:41,719 --> 00:40:44,719
Speaker 5: And like let go of these rules you know that

974
00:40:44,800 --> 00:40:47,879
Speaker 5: are like so intensive, And it's like, what story are

975
00:40:47,920 --> 00:40:50,080
Speaker 5: you telling as to why these rules are you know,

976
00:40:50,160 --> 00:40:52,520
Speaker 5: people who you know, people who I know, someone who

977
00:40:52,520 --> 00:40:54,600
Speaker 5: filed for bankruptcy wants and he's like, I never want

978
00:40:54,600 --> 00:40:55,960
Speaker 5: to go through that again, and so I'm just never

979
00:40:55,960 --> 00:40:57,080
Speaker 5: going to have a credit card again.

980
00:40:57,280 --> 00:40:58,640
Speaker 4: And I'm like, that's cool for you.

981
00:40:59,120 --> 00:41:00,880
Speaker 5: I can trust myself with the credit card, so I

982
00:41:00,920 --> 00:41:02,839
Speaker 5: don't need to I don't need to do all that,

983
00:41:03,040 --> 00:41:04,000
Speaker 5: like calm down.

984
00:41:04,320 --> 00:41:04,520
Speaker 1: You know.

985
00:41:05,120 --> 00:41:08,040
Speaker 5: So I think sometimes it's just this weird thing where

986
00:41:08,080 --> 00:41:11,920
Speaker 5: like and if somebody truly maybe has like an addiction

987
00:41:12,760 --> 00:41:15,480
Speaker 5: to shopping or something like that, then okay, cool, Like

988
00:41:15,520 --> 00:41:16,920
Speaker 5: you got to do what you gotta do to shift

989
00:41:16,920 --> 00:41:19,560
Speaker 5: your environment to make it work for you, But I

990
00:41:19,600 --> 00:41:21,600
Speaker 5: think for most people that's not the case. Is just

991
00:41:21,640 --> 00:41:24,279
Speaker 5: be responsible and understand when you're swiping your card, you're

992
00:41:24,320 --> 00:41:26,680
Speaker 5: spending money. And I think it's this feeling that you're

993
00:41:26,719 --> 00:41:28,920
Speaker 5: not spending money that becomes the problem.

994
00:41:29,080 --> 00:41:31,160
Speaker 3: Right, Like I'm just gonna keep swiping.

995
00:41:30,960 --> 00:41:33,319
Speaker 5: And there's still money in my bank account, right, but

996
00:41:33,320 --> 00:41:34,280
Speaker 5: it's like, but the money.

997
00:41:34,120 --> 00:41:36,160
Speaker 4: About to leave is not to pay that bill.

998
00:41:36,719 --> 00:41:39,000
Speaker 5: So and that's why I like AMX too, because we

999
00:41:39,040 --> 00:41:41,120
Speaker 5: pay it off every month. So it's just that feeling

1000
00:41:41,160 --> 00:41:44,399
Speaker 5: of like, whatever I'm spending, I'm spending it right now.

1001
00:41:44,520 --> 00:41:45,760
Speaker 4: This is not later money.

1002
00:41:45,800 --> 00:41:48,400
Speaker 3: This is like handle and you're like making money on

1003
00:41:48,480 --> 00:41:49,520
Speaker 3: top of it. Exactly.

1004
00:41:49,600 --> 00:41:54,040
Speaker 5: It travels literally thousands what.

1005
00:41:54,960 --> 00:41:56,440
Speaker 4: We're doing it. We'll see.

1006
00:41:56,480 --> 00:41:58,040
Speaker 5: This is the part of the question to do this

1007
00:41:58,080 --> 00:41:59,560
Speaker 5: with my friend the other day because she had some

1008
00:41:59,640 --> 00:42:01,759
Speaker 5: like B and B travel hack and I was like,

1009
00:42:01,800 --> 00:42:03,440
Speaker 5: look at this and she's like, oh, I've been doing that.

1010
00:42:03,480 --> 00:42:04,719
Speaker 4: I'm like, what were you going to tell me?

1011
00:42:04,920 --> 00:42:05,280
Speaker 1: Yeah?

1012
00:42:05,320 --> 00:42:07,440
Speaker 4: What's that we need? The US?

1013
00:42:08,160 --> 00:42:11,399
Speaker 5: Well, now, the hack is you take an image from

1014
00:42:11,400 --> 00:42:14,440
Speaker 5: the airbnb and you drop the image in Google image

1015
00:42:14,440 --> 00:42:17,840
Speaker 5: search and it'll pull up the listing. So if it's

1016
00:42:18,000 --> 00:42:20,400
Speaker 5: if it has its own listing, like if the property

1017
00:42:20,440 --> 00:42:23,000
Speaker 5: has its own website that you would never find on Google,

1018
00:42:23,520 --> 00:42:26,160
Speaker 5: it'll pull it up. And often it's cheaper because you're

1019
00:42:26,160 --> 00:42:26,960
Speaker 5: not paying the airbnb.

1020
00:42:27,200 --> 00:42:30,680
Speaker 1: Oh my gosh, that's so smart genius, because I have

1021
00:42:30,800 --> 00:42:34,200
Speaker 1: booked through instead of doing airbnbs through the website with

1022
00:42:34,280 --> 00:42:36,960
Speaker 1: certain house homes and it has significantly cheaper.

1023
00:42:37,160 --> 00:42:40,320
Speaker 4: Yes, exactly, that's a really good hack. I forgot. I

1024
00:42:40,360 --> 00:42:42,439
Speaker 4: thought it was pretty good too. I didn't know about

1025
00:42:42,520 --> 00:42:43,719
Speaker 4: dropping the image.

1026
00:42:43,840 --> 00:42:46,440
Speaker 2: I'm like, slow it down again, you pull the image,

1027
00:42:46,960 --> 00:42:48,120
Speaker 2: so there's.

1028
00:42:47,760 --> 00:42:51,040
Speaker 5: Probably but you should like write, look an image or

1029
00:42:51,080 --> 00:42:52,799
Speaker 5: even take a picture of it and then drop it

1030
00:42:52,840 --> 00:42:55,160
Speaker 5: in Google image and it'll pull it up like you

1031
00:42:55,200 --> 00:42:57,000
Speaker 5: can search by image, so that I.

1032
00:42:57,040 --> 00:42:59,719
Speaker 3: Actually just discovered Google image, by the way, I know

1033
00:43:01,000 --> 00:43:03,080
Speaker 3: I was late to that too, to be honest, thank you.

1034
00:43:04,239 --> 00:43:08,680
Speaker 4: But yes, so that's another hack. But also with every hack,

1035
00:43:08,760 --> 00:43:10,960
Speaker 4: always like measure the time. Is it right that you

1036
00:43:11,000 --> 00:43:11,760
Speaker 4: save this money?

1037
00:43:11,840 --> 00:43:13,840
Speaker 5: How much time am I spending on this versus I

1038
00:43:13,840 --> 00:43:16,319
Speaker 5: could be spending that time making more right, you know,

1039
00:43:16,480 --> 00:43:19,120
Speaker 5: And that's what it is. It's like brokeass decisions is

1040
00:43:19,160 --> 00:43:21,640
Speaker 5: like when everything is about saving.

1041
00:43:21,400 --> 00:43:23,680
Speaker 4: Every dollar, right, I gotta do it myself. I could

1042
00:43:23,680 --> 00:43:24,120
Speaker 4: do it myself.

1043
00:43:24,120 --> 00:43:27,400
Speaker 3: So I say like I can't have the latte like people.

1044
00:43:27,200 --> 00:43:29,200
Speaker 4: Oh my god, you want me to throw knives.

1045
00:43:29,280 --> 00:43:31,560
Speaker 5: Stop talking about stop spending because they only say that

1046
00:43:31,600 --> 00:43:33,399
Speaker 5: to women too, stopping la.

1047
00:43:34,160 --> 00:43:37,840
Speaker 4: Stop with the coffee every morning. It's like, joy is

1048
00:43:37,880 --> 00:43:39,160
Speaker 4: what's keeping a.

1049
00:43:41,040 --> 00:43:41,239
Speaker 1: Day?

1050
00:43:41,600 --> 00:43:43,439
Speaker 3: Like the happiest moment.

1051
00:43:44,640 --> 00:43:48,200
Speaker 5: Have twelve lattes, okay, and then spend some time like

1052
00:43:48,400 --> 00:43:50,759
Speaker 5: googling how you could start a side hustle and make

1053
00:43:50,840 --> 00:43:52,680
Speaker 5: some money and that's going to make you thousands of

1054
00:43:52,760 --> 00:43:54,239
Speaker 5: dollars worth, save you ten.

1055
00:43:55,239 --> 00:43:58,000
Speaker 4: So it's just like some of this money stuff that's

1056
00:43:58,000 --> 00:43:59,399
Speaker 4: out there, I'm like, this is dumb.

1057
00:44:00,040 --> 00:44:02,600
Speaker 1: So where do you put your energy and where do you?

1058
00:44:02,800 --> 00:44:04,680
Speaker 1: Like you were saying, like, what are you doing that

1059
00:44:04,760 --> 00:44:07,839
Speaker 1: brings you joy? And if it brings you joy, then

1060
00:44:07,880 --> 00:44:10,279
Speaker 1: there's purpose to it. Yeah. So if you're going and

1061
00:44:10,320 --> 00:44:12,439
Speaker 1: stopping and getting your coffee every morning and it makes

1062
00:44:12,480 --> 00:44:14,920
Speaker 1: you a better employee or makes you better at doing

1063
00:44:14,960 --> 00:44:16,920
Speaker 1: your daugh just gives you a better day.

1064
00:44:17,840 --> 00:44:19,160
Speaker 4: You just enjoy that too.

1065
00:44:19,520 --> 00:44:21,600
Speaker 3: See me after that coffee, and it's like a totally

1066
00:44:21,640 --> 00:44:22,240
Speaker 3: different person.

1067
00:44:22,800 --> 00:44:25,200
Speaker 4: Yes, even the act of going there and chatting with

1068
00:44:25,280 --> 00:44:25,760
Speaker 4: your people.

1069
00:44:26,080 --> 00:44:27,160
Speaker 5: I know you and they know you.

1070
00:44:27,920 --> 00:44:30,879
Speaker 4: Like that whole experience is a it's a community moment.

1071
00:44:31,080 --> 00:44:31,360
Speaker 3: Yeah.

1072
00:44:31,560 --> 00:44:34,120
Speaker 4: So like I don't want to not do that, right, Like,

1073
00:44:34,200 --> 00:44:36,200
Speaker 4: so why can't I have that? Of course I can.

1074
00:44:36,680 --> 00:44:38,920
Speaker 5: To me whenever there's a money problem, I'm always like,

1075
00:44:39,560 --> 00:44:41,879
Speaker 5: instead of going to cut, because we always say cut

1076
00:44:41,920 --> 00:44:44,239
Speaker 5: every expense, cut cut, cut, cut cut, And I'm like, no, no, no,

1077
00:44:44,360 --> 00:44:46,640
Speaker 5: how about we earn more? Yeah, and just look at

1078
00:44:46,640 --> 00:44:47,839
Speaker 5: the opportunities to earn more.

1079
00:44:48,080 --> 00:44:49,120
Speaker 4: It is not that hard.

1080
00:44:49,200 --> 00:44:51,439
Speaker 5: We just have this story that making money is hard.

1081
00:44:51,920 --> 00:44:53,880
Speaker 5: We actually just spent a little time, we could come

1082
00:44:53,960 --> 00:44:55,759
Speaker 5: up with a way to make more money. Like if

1083
00:44:55,800 --> 00:44:58,839
Speaker 5: we spent five minutes brainstorming, we'd have like a long

1084
00:44:58,920 --> 00:45:00,839
Speaker 5: twenty a list of twenty five things we could try

1085
00:45:01,040 --> 00:45:01,839
Speaker 5: to make more money.

1086
00:45:16,520 --> 00:45:18,480
Speaker 1: I wanted to ask you because a lot of your

1087
00:45:18,840 --> 00:45:21,680
Speaker 1: content and your education is geared towards women of color

1088
00:45:21,800 --> 00:45:24,640
Speaker 1: and women who are in the queer community and people

1089
00:45:24,719 --> 00:45:27,000
Speaker 1: who are not. I think the word that was used

1090
00:45:27,040 --> 00:45:31,920
Speaker 1: with stereotypically what people see as successful. Yes, And I

1091
00:45:32,000 --> 00:45:34,680
Speaker 1: wanted you to address that for our listeners because obviously

1092
00:45:34,880 --> 00:45:38,040
Speaker 1: Tanya and I are both very white, and we.

1093
00:45:38,280 --> 00:45:41,359
Speaker 4: Have not not just white, very white, very very white.

1094
00:45:41,520 --> 00:45:42,239
Speaker 4: I'm very white.

1095
00:45:42,680 --> 00:45:45,279
Speaker 1: But I know our listeners listening, like, if there's if

1096
00:45:45,320 --> 00:45:48,560
Speaker 1: people have felt like they don't have the same opportunities

1097
00:45:48,640 --> 00:45:50,840
Speaker 1: or they feel discouraged by those things, what are your

1098
00:45:50,880 --> 00:45:53,719
Speaker 1: tips for people in that because in that world that

1099
00:45:53,840 --> 00:45:56,680
Speaker 1: feel like I don't, I don't get the same.

1100
00:45:56,520 --> 00:46:00,560
Speaker 4: Privilege that we would get. Yes, well, white women are

1101
00:46:00,600 --> 00:46:01,200
Speaker 4: included in that.

1102
00:46:01,360 --> 00:46:02,719
Speaker 5: So we have a lot of white women that are

1103
00:46:02,760 --> 00:46:05,320
Speaker 5: part of our community as well, because women in a

1104
00:46:05,400 --> 00:46:07,839
Speaker 5: lot of ways, right, the pay gap, in the wealth

1105
00:46:07,880 --> 00:46:10,319
Speaker 5: gap affects us as women, and then it affects us

1106
00:46:10,400 --> 00:46:13,400
Speaker 5: doubly if we're women and people of color, right, or

1107
00:46:13,400 --> 00:46:15,799
Speaker 5: if we're women people of color and a queer person right,

1108
00:46:15,880 --> 00:46:19,279
Speaker 5: So like it can get layered on that way, but

1109
00:46:19,400 --> 00:46:23,839
Speaker 5: we our philosophy is just to serve people who who

1110
00:46:24,160 --> 00:46:26,840
Speaker 5: you know, Basically, every community I went into that was

1111
00:46:26,840 --> 00:46:29,879
Speaker 5: about earning more was like ninety eight percent white guys,

1112
00:46:30,400 --> 00:46:33,399
Speaker 5: straight cis white guys, right, and nobody else, very few women,

1113
00:46:33,719 --> 00:46:36,080
Speaker 5: very few people of color. And I was like why,

1114
00:46:36,200 --> 00:46:38,560
Speaker 5: And then it would be things like raise money or

1115
00:46:38,920 --> 00:46:40,560
Speaker 5: like do a friends in family around I'm like my

1116
00:46:40,600 --> 00:46:42,640
Speaker 5: friends and family are burger than I am. Like, this

1117
00:46:42,840 --> 00:46:45,800
Speaker 5: is not this stuff doesn't work for me. So I

1118
00:46:45,960 --> 00:46:47,640
Speaker 5: was annoyed, and I'm like, why do I go into

1119
00:46:47,680 --> 00:46:50,680
Speaker 5: these all these spaces where I'm the only So that's

1120
00:46:50,719 --> 00:46:52,520
Speaker 5: why I started Hello seven is so that we have

1121
00:46:52,600 --> 00:46:54,440
Speaker 5: a place where we can be together and we can

1122
00:46:54,520 --> 00:46:57,399
Speaker 5: talk about what's actually happening, like the fact that there

1123
00:46:57,560 --> 00:47:00,840
Speaker 5: is this systemic way that money is kept out of

1124
00:47:00,880 --> 00:47:04,120
Speaker 5: our pockets and at the same time we have agency

1125
00:47:04,200 --> 00:47:07,200
Speaker 5: to do something about it. So, you know, having it

1126
00:47:07,320 --> 00:47:10,400
Speaker 5: acknowledged that what we're going through, that it's harder that

1127
00:47:10,640 --> 00:47:12,480
Speaker 5: they're going to put twelve white guys on the stage

1128
00:47:12,480 --> 00:47:14,840
Speaker 5: and one white woman or one woman, and it's got

1129
00:47:14,920 --> 00:47:16,120
Speaker 5: to be one of the three of us because we

1130
00:47:16,200 --> 00:47:17,279
Speaker 5: can't all be on the stage at.

1131
00:47:17,239 --> 00:47:17,680
Speaker 4: The same time.

1132
00:47:17,760 --> 00:47:20,799
Speaker 5: Right, It's like, we got to address those things, call

1133
00:47:20,920 --> 00:47:23,719
Speaker 5: it out, speak to it, because otherwise it drives you

1134
00:47:23,800 --> 00:47:26,520
Speaker 5: crazy and it causes imposter syndrome. It's like you think

1135
00:47:27,200 --> 00:47:29,160
Speaker 5: that you're not good enough and it's not that, it's

1136
00:47:29,200 --> 00:47:31,160
Speaker 5: that the system is designed to.

1137
00:47:31,320 --> 00:47:33,560
Speaker 4: Make you feel that way exactly.

1138
00:47:34,120 --> 00:47:36,200
Speaker 5: And so I want to be able to have conversations

1139
00:47:36,239 --> 00:47:38,880
Speaker 5: about value and to reflect back to each other the

1140
00:47:38,960 --> 00:47:41,600
Speaker 5: value that I see, like that we see in each other. Right,

1141
00:47:42,040 --> 00:47:44,640
Speaker 5: that's so important, and that's not happening in those other spaces.

1142
00:47:44,680 --> 00:47:46,439
Speaker 5: They don't even need to do that, right because they're

1143
00:47:47,040 --> 00:47:49,759
Speaker 5: assumed inherently valuable. And one of the ways in which,

1144
00:47:49,840 --> 00:47:52,239
Speaker 5: like I highlighted this in my first book, we should

1145
00:47:52,239 --> 00:47:57,479
Speaker 5: all be millionaires? Where is like advertisements for women versus

1146
00:47:57,560 --> 00:48:01,520
Speaker 5: advertisements for men. For women, it's like contract, right, get smaller.

1147
00:48:01,560 --> 00:48:04,839
Speaker 5: It's like stop spending money or you know, do more

1148
00:48:04,960 --> 00:48:07,239
Speaker 5: with less time, right, Like you need to be more.

1149
00:48:07,280 --> 00:48:07,960
Speaker 4: You need to do more.

1150
00:48:08,000 --> 00:48:10,960
Speaker 5: You're not enough, is the message, and then you know,

1151
00:48:11,360 --> 00:48:13,799
Speaker 5: cut coupon, stop shopping with men.

1152
00:48:13,880 --> 00:48:16,399
Speaker 4: It was always like some image of a lion.

1153
00:48:16,360 --> 00:48:18,480
Speaker 5: You know what I mean, And it's like step into

1154
00:48:18,600 --> 00:48:22,880
Speaker 5: your power, you know, like everything crush it, right, Like

1155
00:48:23,080 --> 00:48:23,840
Speaker 5: is the energy?

1156
00:48:24,080 --> 00:48:26,240
Speaker 4: And I'm like, can I get some crush your energy?

1157
00:48:26,360 --> 00:48:27,240
Speaker 4: I want to be a lion?

1158
00:48:27,520 --> 00:48:28,759
Speaker 1: Right? Yeah? Why not?

1159
00:48:28,920 --> 00:48:30,520
Speaker 4: Mean why I gotta be the giraffe running?

1160
00:48:30,760 --> 00:48:31,239
Speaker 1: You know why?

1161
00:48:32,000 --> 00:48:34,640
Speaker 4: So, But that's that's what the messaging is.

1162
00:48:34,920 --> 00:48:37,040
Speaker 3: So it's all so subconscious.

1163
00:48:37,280 --> 00:48:40,200
Speaker 2: Yeah, you know it's so crazy, Like I'm really having

1164
00:48:40,239 --> 00:48:44,520
Speaker 2: this like existential crisis because I'm like noticing, like it's

1165
00:48:44,560 --> 00:48:45,360
Speaker 2: like everything I've.

1166
00:48:45,239 --> 00:48:46,080
Speaker 3: Just been conditioned.

1167
00:48:46,120 --> 00:48:48,560
Speaker 2: We've just been conditioned by society, and like money is

1168
00:48:48,719 --> 00:48:51,960
Speaker 2: such it's like it's been such something that's been so

1169
00:48:52,200 --> 00:48:55,400
Speaker 2: ingrained and we don't even realize it's happening. Yes, and

1170
00:48:55,560 --> 00:49:00,600
Speaker 2: like in my thirties, right, excuse me, and I just

1171
00:49:00,760 --> 00:49:03,000
Speaker 2: realize that. You know, I was listening to this Ted

1172
00:49:03,080 --> 00:49:05,320
Speaker 2: talk of this woman who invented this different kind of

1173
00:49:05,360 --> 00:49:08,400
Speaker 2: menstrual cup, and she was saying how it was so

1174
00:49:08,560 --> 00:49:11,359
Speaker 2: hard for her to get funding because all the it's

1175
00:49:11,480 --> 00:49:14,839
Speaker 2: all men understand funding and they don't understand I don't

1176
00:49:14,840 --> 00:49:17,520
Speaker 2: get it, feminine care or care to or want to.

1177
00:49:18,320 --> 00:49:21,799
Speaker 2: And so there's this total section of like society that's

1178
00:49:21,880 --> 00:49:25,760
Speaker 2: just not getting funded because men are writing all the checks.

1179
00:49:26,000 --> 00:49:27,279
Speaker 3: Yes, And so like I stepped in.

1180
00:49:27,360 --> 00:49:28,839
Speaker 2: I was like, I have no idea what I'm doing,

1181
00:49:28,960 --> 00:49:31,719
Speaker 2: but I started an investment fund to like start sent

1182
00:49:31,920 --> 00:49:34,560
Speaker 2: giving money to these startups that women were creating.

1183
00:49:34,640 --> 00:49:36,680
Speaker 3: Because nobody else was doing it. And I have no

1184
00:49:36,760 --> 00:49:40,120
Speaker 3: idea what I'm doing, mind you truly, but I'm doing it.

1185
00:49:40,280 --> 00:49:43,600
Speaker 5: Here's a secret literally none of us know, Like literally

1186
00:49:43,680 --> 00:49:45,400
Speaker 5: no one knows what they're doing. Some of those are

1187
00:49:45,560 --> 00:49:47,920
Speaker 5: just like, look like we know, but we really don't know.

1188
00:49:48,000 --> 00:49:50,200
Speaker 5: We're all figuring it out as we go, and that's

1189
00:49:50,200 --> 00:49:52,640
Speaker 5: why we have to And to to your point, Becka,

1190
00:49:53,000 --> 00:49:54,360
Speaker 5: what my advice is, like.

1191
00:49:54,440 --> 00:49:57,440
Speaker 4: Get in community, right Like, get in community.

1192
00:49:57,160 --> 00:50:00,919
Speaker 5: Have conversations, talk about the challenge. Talk about the fact

1193
00:50:00,920 --> 00:50:03,160
Speaker 5: that you've pitched to twelve people and that you can't

1194
00:50:03,200 --> 00:50:05,520
Speaker 5: get an investor. Talk about the fact that they don't

1195
00:50:05,600 --> 00:50:07,800
Speaker 5: understand what your product is and what you're trying to do,

1196
00:50:08,000 --> 00:50:10,359
Speaker 5: or that your boss refuses to give you a raise

1197
00:50:10,360 --> 00:50:12,360
Speaker 5: even though you know you're making like huge sums of

1198
00:50:12,400 --> 00:50:15,600
Speaker 5: money for the company. Whatever it is, like be in community,

1199
00:50:15,680 --> 00:50:18,480
Speaker 5: a talk about it, and then you have somebody to

1200
00:50:18,560 --> 00:50:21,000
Speaker 5: reflect back to you what they're seeing, that you're not crazy,

1201
00:50:21,120 --> 00:50:23,440
Speaker 5: that yes, this is happening, and what are you going

1202
00:50:23,520 --> 00:50:25,520
Speaker 5: to do about it? And then creating a plan right

1203
00:50:25,640 --> 00:50:27,960
Speaker 5: like and people, I mean, the women in my community

1204
00:50:28,000 --> 00:50:29,440
Speaker 5: are constantly sharing.

1205
00:50:29,200 --> 00:50:29,880
Speaker 4: Resources with you.

1206
00:50:30,160 --> 00:50:32,200
Speaker 5: I've tried this, it totally worked. Y'all should try it,

1207
00:50:32,400 --> 00:50:34,839
Speaker 5: you know. Or I hired this person then they were great.

1208
00:50:34,880 --> 00:50:37,359
Speaker 5: You should hire them, right like they hire each other.

1209
00:50:37,480 --> 00:50:41,040
Speaker 5: They support We can create our own little ecosystem that

1210
00:50:41,120 --> 00:50:42,920
Speaker 5: supports each other and makes it so that we can

1211
00:50:43,000 --> 00:50:45,680
Speaker 5: I believe in win win right now, one of us

1212
00:50:45,719 --> 00:50:47,279
Speaker 5: doesn't need to lose so the other can win. We

1213
00:50:47,320 --> 00:50:49,799
Speaker 5: can have a win win scenario. And I think if

1214
00:50:49,840 --> 00:50:51,680
Speaker 5: we're in community, we can come up with all of

1215
00:50:51,719 --> 00:50:54,479
Speaker 5: these ways just by being together that it just comes

1216
00:50:54,560 --> 00:50:57,480
Speaker 5: up in conversation, you know. So I think that that

1217
00:50:57,760 --> 00:50:59,840
Speaker 5: is an important step as well, like work on the

1218
00:50:59,840 --> 00:51:03,680
Speaker 5: the mindset and the habits, but also community is key.

1219
00:51:03,880 --> 00:51:05,720
Speaker 2: So I know you said the first step to building

1220
00:51:05,800 --> 00:51:08,280
Speaker 2: wealth is the mindset. And I want to for anybody

1221
00:51:08,280 --> 00:51:09,920
Speaker 2: because I know that the book, your book is available

1222
00:51:09,960 --> 00:51:11,200
Speaker 2: for pre order right now. It doesn't come out to

1223
00:51:11,360 --> 00:51:13,839
Speaker 2: June eleventh, Yes, but if you pre order a million

1224
00:51:13,880 --> 00:51:16,600
Speaker 2: dollar action your step by step guide to making wealth happen,

1225
00:51:18,080 --> 00:51:18,719
Speaker 2: what is.

1226
00:51:18,719 --> 00:51:19,400
Speaker 3: It like actual?

1227
00:51:19,480 --> 00:51:19,520
Speaker 1: Like?

1228
00:51:19,640 --> 00:51:21,279
Speaker 3: Is it like a it's a work book, so you're

1229
00:51:21,320 --> 00:51:24,040
Speaker 3: actually like writing in it and doing things? Yes, from

1230
00:51:24,160 --> 00:51:25,799
Speaker 3: from top to bottom. What are you gonna get out

1231
00:51:25,840 --> 00:51:26,760
Speaker 3: of it? If you do the workbook?

1232
00:51:26,880 --> 00:51:29,839
Speaker 5: If you do, you're gonna make more money that one bank,

1233
00:51:30,000 --> 00:51:33,279
Speaker 5: full time, blank period. You're gonna assess your situation, You're

1234
00:51:33,320 --> 00:51:37,120
Speaker 5: gonna come up with potential pathways to create extra money.

1235
00:51:37,440 --> 00:51:40,440
Speaker 5: You're gonna deal with the mindset, the stories. You're gonna assess,

1236
00:51:40,480 --> 00:51:43,319
Speaker 5: the stories that you're telling yourself, write about debt, about

1237
00:51:43,560 --> 00:51:44,520
Speaker 5: any of those things.

1238
00:51:45,360 --> 00:51:46,640
Speaker 4: You're gonna learn how to delegate.

1239
00:51:46,680 --> 00:51:49,280
Speaker 5: You're gonna assess your million dollar habits or lack thereof,

1240
00:51:49,480 --> 00:51:52,520
Speaker 5: right and like get better at them. There's just all

1241
00:51:52,640 --> 00:51:55,600
Speaker 5: these different exercises that you're gonna do that are like

1242
00:51:55,760 --> 00:51:59,560
Speaker 5: holistic about your financial life. So everything is affecting your money.

1243
00:51:59,719 --> 00:52:01,360
Speaker 5: So if we just talk about money or just have

1244
00:52:01,440 --> 00:52:03,799
Speaker 5: a bunch of calculators, right, like, that's not going.

1245
00:52:03,760 --> 00:52:04,560
Speaker 4: To solve your problem.

1246
00:52:04,680 --> 00:52:07,040
Speaker 5: It's all those other little things related to your that

1247
00:52:07,080 --> 00:52:09,759
Speaker 5: are affecting your money. And so it's taking you step

1248
00:52:09,840 --> 00:52:13,000
Speaker 5: by step through the process to look at your boundaries,

1249
00:52:13,200 --> 00:52:15,600
Speaker 5: look at the stories you're telling yourself, look at the

1250
00:52:15,680 --> 00:52:18,200
Speaker 5: track record of decisions that you're making, and you start

1251
00:52:18,239 --> 00:52:21,000
Speaker 5: to see like, oh, like all the AHAs you're having

1252
00:52:21,080 --> 00:52:22,960
Speaker 5: right now, that's how it's going to feel going through.

1253
00:52:23,200 --> 00:52:24,239
Speaker 3: So I need to do this work book.

1254
00:52:24,680 --> 00:52:28,759
Speaker 1: Yes, yeah, I feel like I mean, what I'm getting

1255
00:52:28,800 --> 00:52:31,080
Speaker 1: on is that everybody should do it. Because from the

1256
00:52:31,120 --> 00:52:34,120
Speaker 1: beginning of this podcast, we said people people lie and

1257
00:52:34,160 --> 00:52:36,799
Speaker 1: say they don't care about money. Yes, but every single

1258
00:52:36,880 --> 00:52:39,000
Speaker 1: person who's having to pay rent and live in this

1259
00:52:39,080 --> 00:52:41,920
Speaker 1: society cares to an extent about money exactly.

1260
00:52:41,960 --> 00:52:43,800
Speaker 4: So if we can all find a way.

1261
00:52:43,719 --> 00:52:46,759
Speaker 1: To make more and be more comfortable and have conversations

1262
00:52:46,760 --> 00:52:49,520
Speaker 1: about it, what bad can happen?

1263
00:52:49,760 --> 00:52:51,160
Speaker 4: Yes, exactly.

1264
00:52:51,200 --> 00:52:54,880
Speaker 5: It's really about giving your money more attention, thinking about

1265
00:52:55,000 --> 00:52:57,680
Speaker 5: how you price your services as an entrepreneur, even as

1266
00:52:57,719 --> 00:53:01,080
Speaker 5: an employee, thinking about what opportunity you have to earn more,

1267
00:53:01,160 --> 00:53:03,560
Speaker 5: and why are you not taking advantage of those creating

1268
00:53:03,640 --> 00:53:07,120
Speaker 5: financial systems so it's easier to have good financial habits.

1269
00:53:07,280 --> 00:53:09,239
Speaker 5: It's all of that, and it is not like the

1270
00:53:09,360 --> 00:53:12,080
Speaker 5: typical where it's like, Okay, invest in your for one

1271
00:53:12,200 --> 00:53:15,200
Speaker 5: K and then budget and blah blah. It's like, there's

1272
00:53:15,239 --> 00:53:18,680
Speaker 5: nothing about budgeting in this book because I'm looking at

1273
00:53:18,719 --> 00:53:21,040
Speaker 5: building wealth. So it's not just this is not about

1274
00:53:21,120 --> 00:53:23,160
Speaker 5: managing your money. There are great books about managing your

1275
00:53:23,160 --> 00:53:23,759
Speaker 5: money out there.

1276
00:53:23,880 --> 00:53:24,760
Speaker 3: It's so different.

1277
00:53:25,000 --> 00:53:28,120
Speaker 5: Yes, no, I'm not talking about Most personal finance books

1278
00:53:28,160 --> 00:53:30,560
Speaker 5: about man are about managing the money you already have.

1279
00:53:31,239 --> 00:53:34,480
Speaker 5: I'm talking about earning more of it. So that's what

1280
00:53:34,600 --> 00:53:36,319
Speaker 5: this book is about. If you want to earn more,

1281
00:53:36,840 --> 00:53:39,920
Speaker 5: then that's that's the purpose of all the exercises in there.

1282
00:53:39,960 --> 00:53:41,960
Speaker 5: It's to build on what you already have and to

1283
00:53:42,080 --> 00:53:43,799
Speaker 5: earn more and to start to build wealth.

1284
00:53:43,920 --> 00:53:45,800
Speaker 2: I think this is great too for also like for

1285
00:53:45,920 --> 00:53:48,680
Speaker 2: stay at home moms. I think that, like I know

1286
00:53:48,960 --> 00:53:53,000
Speaker 2: some people who have chose that path to decide to

1287
00:53:53,080 --> 00:53:54,719
Speaker 2: give up their career stay at home be a stay

1288
00:53:54,719 --> 00:53:57,560
Speaker 2: at home mom. Yes, and there's this dynamic in the

1289
00:53:57,600 --> 00:53:59,560
Speaker 2: relationship that shifts where they feel like they have to

1290
00:53:59,600 --> 00:54:02,960
Speaker 2: ask for permission to buy an expensive bag or to

1291
00:54:03,080 --> 00:54:05,000
Speaker 2: do this, and they're hiding things and I'm like that,

1292
00:54:05,239 --> 00:54:06,880
Speaker 2: I feel like once you get there, it's like a

1293
00:54:07,360 --> 00:54:10,680
Speaker 2: not a healthy dynamic. Yes, And I think that there

1294
00:54:10,760 --> 00:54:12,319
Speaker 2: are ways that you can be a stay at home

1295
00:54:12,400 --> 00:54:16,000
Speaker 2: mom and still be able to create or generate some

1296
00:54:16,239 --> 00:54:18,080
Speaker 2: sort of money on your own, so that, yeah, that

1297
00:54:18,200 --> 00:54:19,440
Speaker 2: dynamic doesn't happen.

1298
00:54:19,320 --> 00:54:20,359
Speaker 4: Well even if you don't.

1299
00:54:20,520 --> 00:54:23,239
Speaker 5: Right, Like, there's the power dynamic is coming from because

1300
00:54:23,239 --> 00:54:26,360
Speaker 5: you think your your labor is contributing to the wealth

1301
00:54:26,480 --> 00:54:28,080
Speaker 5: in the home r and the money in the home.

1302
00:54:28,239 --> 00:54:30,200
Speaker 5: So the only reason your partner is able to go

1303
00:54:30,280 --> 00:54:32,919
Speaker 5: out there and work is because you are staying home

1304
00:54:33,239 --> 00:54:36,800
Speaker 5: with those kids, right, So, like that is valuable and

1305
00:54:36,960 --> 00:54:38,640
Speaker 5: you have to stand up for your value and make

1306
00:54:38,680 --> 00:54:41,120
Speaker 5: sure that everybody in your household is educated on your

1307
00:54:41,200 --> 00:54:43,719
Speaker 5: value so that there's no question of of course I'm

1308
00:54:43,719 --> 00:54:44,680
Speaker 5: buying myself a purse.

1309
00:54:44,840 --> 00:54:45,400
Speaker 4: Why wouldn't I.

1310
00:54:45,880 --> 00:54:49,240
Speaker 5: Right, I've earned it, right, Like so I even putting

1311
00:54:49,239 --> 00:54:52,520
Speaker 5: a dollar amount on it. Right, It's that's like that's

1312
00:54:52,600 --> 00:54:55,080
Speaker 5: covered in there, and that it's a whole section on boundaries.

1313
00:54:55,120 --> 00:54:57,160
Speaker 5: I don't think it's like, if you want to earn

1314
00:54:57,239 --> 00:55:00,840
Speaker 5: side money, great, get some side money, you know, but

1315
00:55:01,280 --> 00:55:03,759
Speaker 5: also check your partner, because what the hell?

1316
00:55:04,120 --> 00:55:05,600
Speaker 4: Yeah, shut it down.

1317
00:55:05,880 --> 00:55:08,520
Speaker 5: Yeah, my husband stayed at home for years and I

1318
00:55:08,680 --> 00:55:12,400
Speaker 5: never was like, don't buy anything, you know, and if I,

1319
00:55:12,560 --> 00:55:13,200
Speaker 5: if I ever.

1320
00:55:13,239 --> 00:55:15,120
Speaker 4: Had that kind of energy, he would have been like,

1321
00:55:15,320 --> 00:55:18,640
Speaker 4: hell no, this is I think about it.

1322
00:55:18,760 --> 00:55:20,279
Speaker 2: You would have to pay a full time a few

1323
00:55:20,320 --> 00:55:22,040
Speaker 2: of kids, a full time nanny, a full time this,

1324
00:55:22,200 --> 00:55:24,840
Speaker 2: a full time you don't send your kids an uber but.

1325
00:55:25,800 --> 00:55:28,520
Speaker 4: All around everywhere, it's like a lot.

1326
00:55:28,440 --> 00:55:31,760
Speaker 5: Of time and energy exactly the expense of that labor.

1327
00:55:31,960 --> 00:55:33,719
Speaker 5: And it wouldn't be as good, right because it's rand

1328
00:55:33,800 --> 00:55:36,360
Speaker 5: parent who's doing it. So it's you know, if you

1329
00:55:36,480 --> 00:55:39,239
Speaker 5: put a dollar amount on it, it's very clear. Yes,

1330
00:55:39,800 --> 00:55:42,760
Speaker 5: And so I would be very clear, like the paycheck

1331
00:55:42,840 --> 00:55:44,480
Speaker 5: that you earned, it has your name on it, but

1332
00:55:44,560 --> 00:55:48,200
Speaker 5: it's ours. Yeah, So otherwise and if you don't believe that,

1333
00:55:48,360 --> 00:55:51,200
Speaker 5: then I'm going to go get a job and I'm

1334
00:55:51,239 --> 00:55:54,000
Speaker 5: not doing this with you watch me. Yeah, And that

1335
00:55:54,200 --> 00:55:57,000
Speaker 5: like that needs to be a conversation because acting like

1336
00:55:57,080 --> 00:56:00,320
Speaker 5: that and changing the power dynamic is not okay. And

1337
00:56:00,440 --> 00:56:03,520
Speaker 5: sometimes women who are the breadwinners still deal with some

1338
00:56:03,640 --> 00:56:06,400
Speaker 5: of that. You know, that can happen in a lot

1339
00:56:06,400 --> 00:56:08,719
Speaker 5: of scenarios. Definitely, there are studies that women who are

1340
00:56:08,760 --> 00:56:11,279
Speaker 5: the breadwinners in their households still do the majority of

1341
00:56:11,360 --> 00:56:14,040
Speaker 5: the domestic labor. And I'm just like, I want to

1342
00:56:14,160 --> 00:56:17,120
Speaker 5: throw something every time I hear I'm like, not my house,

1343
00:56:17,520 --> 00:56:21,879
Speaker 5: hell no, you know, And I just think equality, it's

1344
00:56:21,880 --> 00:56:24,200
Speaker 5: important to have those conversations. My husband and I went

1345
00:56:24,239 --> 00:56:27,960
Speaker 5: to pre maarital counseling and we looked at everything money

1346
00:56:28,480 --> 00:56:32,120
Speaker 5: in laws, like chores, right like, we just looked at

1347
00:56:32,200 --> 00:56:35,200
Speaker 5: all different aspects of your daily life that our therapists

1348
00:56:35,200 --> 00:56:37,640
Speaker 5: made us go through, and we each filled out our

1349
00:56:37,680 --> 00:56:40,480
Speaker 5: own form by ourselves and then we brought it together

1350
00:56:40,920 --> 00:56:44,520
Speaker 5: in the session, and sometimes we had wildly different opinions

1351
00:56:44,560 --> 00:56:47,319
Speaker 5: on things and so we had to like sort it out.

1352
00:56:47,640 --> 00:56:50,319
Speaker 5: In most cases, though we agreed on the same things.

1353
00:56:50,360 --> 00:56:52,520
Speaker 5: And there was one the thing that stood out to

1354
00:56:52,560 --> 00:56:54,319
Speaker 5: me that I was like, Okay, I'm definitely marrying him.

1355
00:56:54,800 --> 00:56:59,080
Speaker 5: It was all about equality, Like everything was equal, and

1356
00:56:59,200 --> 00:57:01,520
Speaker 5: so I was like, okay, do.

1357
00:57:01,520 --> 00:57:04,399
Speaker 3: You remember what that? Do you remember what those brackets were?

1358
00:57:04,880 --> 00:57:07,640
Speaker 5: There were so many different ones, but like it's like,

1359
00:57:07,760 --> 00:57:09,600
Speaker 5: you know, how often do you expect in laws to

1360
00:57:09,680 --> 00:57:10,080
Speaker 5: come over?

1361
00:57:10,800 --> 00:57:10,960
Speaker 1: Right?

1362
00:57:11,080 --> 00:57:12,960
Speaker 4: Like do you are you okay with lending money to

1363
00:57:13,040 --> 00:57:13,520
Speaker 4: in laws?

1364
00:57:13,719 --> 00:57:14,080
Speaker 1: Right? Like?

1365
00:57:15,520 --> 00:57:17,800
Speaker 4: Can in laws be involved in decision making?

1366
00:57:17,960 --> 00:57:18,080
Speaker 2: Right?

1367
00:57:18,160 --> 00:57:18,200
Speaker 1: Like?

1368
00:57:18,280 --> 00:57:20,360
Speaker 4: It's stuff like that. Like so it'd be a worksheet

1369
00:57:20,360 --> 00:57:22,520
Speaker 4: that's just about family, like in law.

1370
00:57:22,520 --> 00:57:24,600
Speaker 3: Like how often do you want to have a home

1371
00:57:24,640 --> 00:57:25,120
Speaker 3: cooked meal?

1372
00:57:25,480 --> 00:57:29,320
Speaker 4: Exactly? Who's going to do the cooking, who's doing the dishes?

1373
00:57:29,520 --> 00:57:29,640
Speaker 1: Right?

1374
00:57:29,680 --> 00:57:30,360
Speaker 4: Who cleaned that?

1375
00:57:30,600 --> 00:57:30,640
Speaker 1: Like?

1376
00:57:30,760 --> 00:57:32,120
Speaker 4: How often do you clean the bathroom?

1377
00:57:32,160 --> 00:57:34,160
Speaker 5: It's like some of it was kind of granular, and

1378
00:57:34,240 --> 00:57:36,400
Speaker 5: it was just like a one page or maybe both

1379
00:57:36,440 --> 00:57:39,400
Speaker 5: sides of a page. I wish I could find the workbook.

1380
00:57:39,680 --> 00:57:41,680
Speaker 5: I know that I would love to do that, I know,

1381
00:57:41,960 --> 00:57:43,800
Speaker 5: and that therapist has since retired.

1382
00:57:43,920 --> 00:57:46,400
Speaker 4: Oh my god. But like that, it was one of

1383
00:57:46,440 --> 00:57:47,000
Speaker 4: the best things.

1384
00:57:47,200 --> 00:57:49,400
Speaker 5: It was one of the best investments we ever made,

1385
00:57:49,440 --> 00:57:51,960
Speaker 5: because I mean I feel like we almost twenty years in,

1386
00:57:52,120 --> 00:57:55,080
Speaker 5: we still draw on the lessons that we learned in

1387
00:57:55,200 --> 00:57:59,320
Speaker 5: that therapy session. Yeah, so it was it was sessions,

1388
00:57:59,360 --> 00:58:00,920
Speaker 5: I should say. It was like a series. So every

1389
00:58:00,960 --> 00:58:04,160
Speaker 5: week we tackle a new area and I feel like

1390
00:58:04,200 --> 00:58:05,640
Speaker 5: the in laws was the one that was like our

1391
00:58:05,680 --> 00:58:09,120
Speaker 5: biggest hopen issue at the time. But money we were

1392
00:58:09,200 --> 00:58:11,480
Speaker 5: on the same page, like it was just it was

1393
00:58:11,640 --> 00:58:14,880
Speaker 5: just equality. Yeah, you know, that's what we both believed in,

1394
00:58:15,080 --> 00:58:18,800
Speaker 5: so that was really reassuring. But yeah, there were some

1395
00:58:18,960 --> 00:58:21,320
Speaker 5: areas where we were like I'm gonna fight you, you know,

1396
00:58:21,440 --> 00:58:23,920
Speaker 5: and then we needed the therapist to help them, like can.

1397
00:58:23,920 --> 00:58:30,160
Speaker 4: You step in here, this is where you come into Well,

1398
00:58:30,760 --> 00:58:31,680
Speaker 4: I can't say thank.

1399
00:58:31,520 --> 00:58:33,400
Speaker 1: You enough for coming in and taking your time while

1400
00:58:33,440 --> 00:58:35,640
Speaker 1: you were in town to scrub in and be a

1401
00:58:35,680 --> 00:58:36,400
Speaker 1: part of the podcast.

1402
00:58:36,440 --> 00:58:37,840
Speaker 3: Again, I feel like it was nice.

1403
00:58:39,080 --> 00:58:41,760
Speaker 2: Yeah, yeah, thank you, And I'm definitely gonna get my

1404
00:58:41,800 --> 00:58:44,600
Speaker 2: hands on this book, like I have to do it. Yeah,

1405
00:58:45,040 --> 00:58:46,680
Speaker 2: I feel like I had a breakthrough today because I

1406
00:58:46,960 --> 00:58:48,720
Speaker 2: honestly feel like I had that mindset.

1407
00:58:48,840 --> 00:58:49,000
Speaker 1: You know.

1408
00:58:49,160 --> 00:58:51,800
Speaker 2: It's like and again everybody has their own like tier

1409
00:58:51,920 --> 00:58:54,080
Speaker 2: and layer and whatever, but yeah, like I feel like

1410
00:58:54,120 --> 00:58:56,320
Speaker 2: I've always had that mindset of like I'm not good

1411
00:58:56,360 --> 00:58:58,880
Speaker 2: with money. I don't really, I mean I know how

1412
00:58:58,920 --> 00:59:01,360
Speaker 2: to budget because I I'm budgeting in a way like

1413
00:59:01,440 --> 00:59:03,120
Speaker 2: you know, like I always had that mindset, and it's

1414
00:59:03,160 --> 00:59:03,760
Speaker 2: like so wrong.

1415
00:59:04,120 --> 00:59:06,000
Speaker 5: It's all about attacking the thoughts, like you have an

1416
00:59:06,080 --> 00:59:09,000
Speaker 5: investment fund that you started. So it's like it's very

1417
00:59:09,040 --> 00:59:10,840
Speaker 5: comfortable for us as women to say, oh, I don't

1418
00:59:10,840 --> 00:59:11,520
Speaker 5: know what I'm doing.

1419
00:59:11,440 --> 00:59:13,920
Speaker 4: But that's actually a lie. It's actually not true. We

1420
00:59:14,000 --> 00:59:15,720
Speaker 4: do know what we're doing. We know how to come

1421
00:59:15,800 --> 00:59:18,520
Speaker 4: up with an idea, do some research and figure it out.

1422
00:59:18,600 --> 00:59:19,240
Speaker 4: That's what you did.

1423
00:59:19,480 --> 00:59:21,720
Speaker 3: Yeah, right, so you do know what you're doing. Yeah.

1424
00:59:21,800 --> 00:59:24,520
Speaker 4: So it's just like changing the tape in the in

1425
00:59:24,600 --> 00:59:27,320
Speaker 4: your head, right that you always say, like my best

1426
00:59:27,320 --> 00:59:28,280
Speaker 4: friend he's so annoying.

1427
00:59:28,520 --> 00:59:31,200
Speaker 5: He's always like I'm always like, well if that happens,

1428
00:59:31,280 --> 00:59:34,800
Speaker 5: He's like not if when, and he won't he literally

1429
00:59:34,840 --> 00:59:36,800
Speaker 5: will never get me get let me get away with

1430
00:59:36,840 --> 00:59:38,400
Speaker 5: saying if, and it makes me.

1431
00:59:38,560 --> 00:59:41,400
Speaker 4: Mad because I was like, just shut up. He's like, no,

1432
00:59:41,840 --> 00:59:42,880
Speaker 4: when you have.

1433
00:59:42,960 --> 00:59:45,960
Speaker 5: Those people in your life exactly, because words are power,

1434
00:59:46,440 --> 00:59:48,640
Speaker 5: and words are creating the belief in our head.

1435
00:59:49,000 --> 00:59:50,920
Speaker 4: Right what we're repeating, we believe.

1436
00:59:51,160 --> 00:59:53,560
Speaker 3: So there is so much opportunity out there, you know.

1437
00:59:53,640 --> 00:59:55,360
Speaker 2: It's like also, if for investing, you don't have to

1438
00:59:55,440 --> 00:59:59,080
Speaker 2: be investing thousands of dollars like you can invest little

1439
00:59:59,120 --> 01:00:00,640
Speaker 2: bits of money different places.

1440
01:00:01,160 --> 01:00:02,080
Speaker 3: So it's just about learning all that.

1441
01:00:02,120 --> 01:00:03,880
Speaker 5: I have a little account that was like my first

1442
01:00:03,920 --> 01:00:07,160
Speaker 5: time dipping my toe into investing, and I just put

1443
01:00:07,160 --> 01:00:08,760
Speaker 5: a little bit of money in there and I forgot

1444
01:00:08,800 --> 01:00:10,640
Speaker 5: about it and I checked it the other day and it's.

1445
01:00:10,480 --> 01:00:11,960
Speaker 4: A huge amount of money in there.

1446
01:00:12,000 --> 01:00:12,120
Speaker 1: Now.

1447
01:00:12,160 --> 01:00:14,640
Speaker 4: I was like, oh my god, that little bit of

1448
01:00:14,680 --> 01:00:16,040
Speaker 4: money I put it in there years ago.

1449
01:00:16,200 --> 01:00:16,760
Speaker 1: Oh was it?

1450
01:00:17,200 --> 01:00:20,560
Speaker 5: It's just an index fund, you know, Like I invested

1451
01:00:20,600 --> 01:00:23,280
Speaker 5: in one index fund. I took an investing class. She

1452
01:00:23,400 --> 01:00:24,960
Speaker 5: told me to invest in an index fund. I put

1453
01:00:25,000 --> 01:00:26,240
Speaker 5: a thousand dollars in and I was like, let me

1454
01:00:26,280 --> 01:00:28,520
Speaker 5: put a thousand dollars in and see what happens. Then

1455
01:00:28,560 --> 01:00:30,520
Speaker 5: it grew, so I was like, oh, okay, so this

1456
01:00:30,640 --> 01:00:32,520
Speaker 5: works like thirty or sixty days later. So then I

1457
01:00:32,600 --> 01:00:34,520
Speaker 5: was like, all right, I'm gonna invest every month. So

1458
01:00:34,600 --> 01:00:37,080
Speaker 5: I invested every month for a while. Then my business

1459
01:00:37,160 --> 01:00:39,919
Speaker 5: totally blew up and we found up making way more money.

1460
01:00:40,000 --> 01:00:42,200
Speaker 5: So then we got a financial planner put large sums

1461
01:00:42,320 --> 01:00:44,240
Speaker 5: in a different account. So it's like I forgot about

1462
01:00:44,280 --> 01:00:47,320
Speaker 5: this little account that I started with. And by the way,

1463
01:00:47,360 --> 01:00:49,600
Speaker 5: I don't work with a financial planner anymore. That helped

1464
01:00:49,600 --> 01:00:50,920
Speaker 5: me get set up, but then I'm like, oh, I'm

1465
01:00:51,000 --> 01:00:52,840
Speaker 5: just wasting my money on you. I can do this myself,

1466
01:00:53,000 --> 01:00:57,960
Speaker 5: so I don't use them anymore. But anyway, that little account,

1467
01:00:58,240 --> 01:00:59,880
Speaker 5: with that money that I put in for a year

1468
01:01:00,120 --> 01:01:03,360
Speaker 5: or two, it is like it has grown. It is

1469
01:01:03,520 --> 01:01:06,160
Speaker 5: double the size, more than double the size of what

1470
01:01:06,240 --> 01:01:08,880
Speaker 5: I originally put in, and it's we're talking like three

1471
01:01:08,960 --> 01:01:11,440
Speaker 5: or four years. Like it's not that long, right, So

1472
01:01:11,520 --> 01:01:14,840
Speaker 5: I was like, WHOA, this investing thing is serious business.

1473
01:01:15,640 --> 01:01:18,840
Speaker 4: Yeah, it's it is. But it's asking questions and meeting

1474
01:01:18,920 --> 01:01:20,160
Speaker 4: people that can help you.

1475
01:01:20,280 --> 01:01:23,000
Speaker 1: Because I can be like Tanya where I'm like, I

1476
01:01:23,200 --> 01:01:24,800
Speaker 1: know I need to be investing my money, but I

1477
01:01:24,880 --> 01:01:26,880
Speaker 1: don't know where to do it, or I feel scared.

1478
01:01:26,960 --> 01:01:29,880
Speaker 1: What happens if it, you know, if it's the wrong investment,

1479
01:01:30,000 --> 01:01:32,200
Speaker 1: and it's just asking questions and finding people that you

1480
01:01:32,280 --> 01:01:37,080
Speaker 1: trust to help. Because just like someone might have no

1481
01:01:37,280 --> 01:01:41,200
Speaker 1: idea about social media or podcasting, they could come to

1482
01:01:41,280 --> 01:01:42,640
Speaker 1: me and ask for help and it might be like,

1483
01:01:42,720 --> 01:01:43,280
Speaker 1: that's so easy.

1484
01:01:43,320 --> 01:01:45,160
Speaker 4: Why do you need help with that? Same with investments.

1485
01:01:45,200 --> 01:01:46,600
Speaker 4: I might be like I have no idea what I'm doing,

1486
01:01:46,600 --> 01:01:48,360
Speaker 4: and they're like, let me help you. Yeah, exactly.

1487
01:01:48,440 --> 01:01:51,320
Speaker 5: It's just literally open a brokerage account Charles Schwab or

1488
01:01:51,360 --> 01:01:54,560
Speaker 5: Fidelity or wherever and literally buy an index fund, Like

1489
01:01:54,680 --> 01:01:56,960
Speaker 5: just put money into an index fund and that's it.

1490
01:01:57,720 --> 01:01:59,040
Speaker 4: Oh, and that's it.

1491
01:01:59,240 --> 01:02:00,560
Speaker 5: Just put a little bit on my in there and

1492
01:02:00,720 --> 01:02:03,040
Speaker 5: just watch it, and when you see it grow, you're

1493
01:02:03,040 --> 01:02:05,160
Speaker 5: gonna be like, oh, I get it now. And you

1494
01:02:05,240 --> 01:02:07,440
Speaker 5: can look at the I think it's called a prospectus

1495
01:02:07,520 --> 01:02:09,320
Speaker 5: or whatever, where you can look at the performance of

1496
01:02:09,400 --> 01:02:12,560
Speaker 5: that fun for the last twenty years and you see like, oh,

1497
01:02:12,640 --> 01:02:13,880
Speaker 5: it's just consistently grown.

1498
01:02:14,240 --> 01:02:16,320
Speaker 4: Okay, well I'm gonna put a little bit more money in.

1499
01:02:16,640 --> 01:02:16,880
Speaker 3: That's it.

1500
01:02:16,960 --> 01:02:18,760
Speaker 5: You just gotta dip your toe and try and I

1501
01:02:18,840 --> 01:02:22,200
Speaker 5: think we try to like educate ourselves perfectly. And then

1502
01:02:22,280 --> 01:02:24,200
Speaker 5: we'll try just put a little bit of money in there,

1503
01:02:24,400 --> 01:02:26,760
Speaker 5: something that is like not terrifying for you, even if

1504
01:02:26,760 --> 01:02:30,080
Speaker 5: it's a hundred bucks. Just do something just to get started.

1505
01:02:30,160 --> 01:02:32,200
Speaker 5: And once you start, then you're gonna be like, oh,

1506
01:02:32,400 --> 01:02:35,040
Speaker 5: I get it now. Sometimes we're trying to learn from

1507
01:02:35,120 --> 01:02:38,000
Speaker 5: research what we can only learn from experience. Yeah, so

1508
01:02:38,120 --> 01:02:39,960
Speaker 5: we have to just get up in there, you know.

1509
01:02:40,440 --> 01:02:40,880
Speaker 4: I love that.

1510
01:02:42,320 --> 01:02:45,200
Speaker 1: Get your hands on the book. It's available for pre order.

1511
01:02:45,240 --> 01:02:48,520
Speaker 1: It comes out June eleventh. Yes, I'm a million dollar

1512
01:02:48,640 --> 01:02:51,000
Speaker 1: action your step by step guide to making wealth happen.

1513
01:02:51,240 --> 01:02:53,960
Speaker 4: Thank you so much, Rachel Rogers. Yes, we love you

1514
01:02:55,880 --> 01:02:56,400
Speaker 1: So fun