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Speaker 1: Hey guys. The PHG podcast is sponsored by eban a

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Speaker 1: let's get back to this week's episode. Welcome, you are

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Speaker 1: now listening to the Professional Wow. Hey guys, welcome to

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Speaker 1: this week's episode of the PhD Podcast. It's your girl

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Speaker 1: eban A and I am super excited about this week's episode.

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Speaker 1: Before we get let's do a little housekeeping. Please make

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Speaker 1: sure to follow me on Instagram at the Professional home Girl,

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Speaker 1: at the PhD Podcast, and last and not least, at

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Speaker 1: eban a Beauty. If you have any questions or concerns,

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Speaker 1: please make sure to email me at Hello at the

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Speaker 1: PhD podcast dot com. And please make sure to remember

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Speaker 1: that all of my guests are anonymous. So let's begin

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Speaker 1: this week's show. So, I am super excited about this

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Speaker 1: week's episode. I've been following her my guest for quite

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Speaker 1: a while, so I wanted to make sure she was legit,

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Speaker 1: and she really is. And I think this is something

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Speaker 1: that we all can be able to learn from her

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Speaker 1: story because all of us are trying to pay these

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Speaker 1: bills off and get out a dent. So I'm super like,

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Speaker 1: really excited to have on our show. So to my guests,

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Speaker 1: let's talk about the beginning of your journey. What was

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Speaker 1: your relationship like with money? Thank you for having me

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Speaker 1: first of all, we literally been kicking for like fiw

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Speaker 1: teen minutes before we started this show. It feels so natural, right, Yeah,

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Speaker 1: So what was my relationship with money growing up? It

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Speaker 1: was it was I say sort of in a way

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Speaker 1: that it was a non relationship, but that's a relationship

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Speaker 1: in itself in a sense that my I grew up

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Speaker 1: My parents were divorced when I was a toddler, so

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Speaker 1: I grew up with my mom. She's raising me and

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Speaker 1: my brother and my cousin and we I couldn't tell

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Speaker 1: you how much it would have caused to buy grocery

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Speaker 1: for the week. I couldn't tell you about just the

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Speaker 1: cost of living. It was. My mom kept that at

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Speaker 1: arm's length, so I didn't see her save I the

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Speaker 1: things that I remember growing up about money was that

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Speaker 1: my mom would say, my money is acting funny, right,

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Speaker 1: I don't have you know, I don't have the money

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Speaker 1: right now to buy for that. I don't have. I

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Speaker 1: don't have the money right now to do this and

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Speaker 1: do that. Um. And then once we got caller, I

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Speaker 1: d I know that changed a lot of households because

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Speaker 1: we I could see if it was a dead collector

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Speaker 1: or a credit card company or what have you. And

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Speaker 1: I knew I was told not to answer the phone. Yeah,

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Speaker 1: So growing up I realized that, you know, we were

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Speaker 1: not well off. It was probably my teenage years. Obviously

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Speaker 1: I was like, okay, we're not well off, because when

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Speaker 1: you're younger you just don't know. But um and and

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Speaker 1: I realized my mom she may have had a problem

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Speaker 1: with credit cards. Um, given the people that were calling

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Speaker 1: the house. So and then it was prom, my senior prom.

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Speaker 1: I had to I had, you know. I was like, okay,

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Speaker 1: I want to go to senior problem out of off

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Speaker 1: and my mom was like, I don't have any money

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Speaker 1: for you to buy it. You dress, So I used

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Speaker 1: a dress that I had wore a junior year for

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Speaker 1: sort of like a small town pageant that I was in.

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Speaker 1: It wasn't a big deal, but I had to reause

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Speaker 1: that dress and there was no like ordering a car.

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Speaker 1: I was, yeah, I did get my hair done, so

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Speaker 1: that's great. But you know, but in high school I

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Speaker 1: started to see like those little things sort of adding

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Speaker 1: up in a sense. And then when you fill out

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Speaker 1: the pasta and you get to see your parents income.

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Speaker 1: That was the first time I saw how much my

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Speaker 1: parents made and I was like, WHOA. I was like,

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Speaker 1: that is not a lot, But how did that make

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Speaker 1: you feel? Because I remember when I was growing up

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Speaker 1: and like, you know, I paid off a lot of

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Speaker 1: money to show getting out of debt. So I'm like

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Speaker 1: down to my last bill, thank god, But I know,

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Speaker 1: thank you. But I felt like in the beginning, I

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Speaker 1: was I resented my parents for not teaching me how

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Speaker 1: to manage my money better, But then agains like how

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Speaker 1: can I get mad at them when they didn't even

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Speaker 1: know how to do it? That look you you singing

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Speaker 1: my song girl right because I held it, I was

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Speaker 1: so and especially since my mom was I was in

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Speaker 1: her house, I put a lot of it was a

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Speaker 1: lot of resentment towards my mom specifically, and because I

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Speaker 1: was just like, how can you How can you raise

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Speaker 1: kids but not teach them about something that is that

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Speaker 1: is so important. It's a part of our day to

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Speaker 1: day lives, are our every every function deals with money

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Speaker 1: in some way, In some shape or way, everything everything

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Speaker 1: deals with money. So yeah, so and then also like

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Speaker 1: getting this sort of scarcity mindset from my mom as well,

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Speaker 1: you know, like I don't have it. It wasn't like

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Speaker 1: how can I afford it? It wasn't a way in

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Speaker 1: which I saw my mom. She didn't have a side.

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Speaker 1: She did have aside job, but it wasn't as if

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Speaker 1: I saw my mom like hustling and and it would

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Speaker 1: be hard to hustle when you have three kids at

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Speaker 1: home two So it's like, yeah, so growing up and

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Speaker 1: understanding that I am now an adult, I have to

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Speaker 1: do what's best for me. I can no longer blame

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Speaker 1: anybody else for what happens from here on out. When

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Speaker 1: I took the power for myself, that's when things started

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Speaker 1: to change my life. I just started reading as much

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Speaker 1: as I could and and just and and just doing

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Speaker 1: things differently and just trying to just learn from people

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Speaker 1: who I thought were doing it right. There were free

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Speaker 1: classes at a women's resource center back in a city

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Speaker 1: in North Carolina that I lived in, and I loved

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Speaker 1: going there because I did like a free um like

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Speaker 1: four four weeks training with a with a black woman

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Speaker 1: who was UM, who was a financial advisor. And this

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Speaker 1: is the first time that I had actually met someone

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Speaker 1: in her calibal caliber. And she was down to earth

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Speaker 1: and she you could talk true about anything, and she

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Speaker 1: was only like ten years older than me, Like I

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Speaker 1: didn't even know that they were like black financial advices.

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Speaker 1: This is amazing, right, So it was so opening my

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Speaker 1: eyes and just looking at the opportunities around me to

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Speaker 1: learn and taking the power for myself. Everything changed. Everything

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Speaker 1: changed once I stopped blaming my parents and forgiving you

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Speaker 1: for not teaching me things that they did know or

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Speaker 1: not teaching me things that they didn't know. But you

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Speaker 1: had to read a good reason to blame your mom,

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Speaker 1: because UM in your e book and if anyone is

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Speaker 1: interested in her book, I bought it myself. It's really good. UM,

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Speaker 1: please make sure to email me at hello at the

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Speaker 1: PhD podcast dot com because her e book is really

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Speaker 1: good informative and can really help you knock your debt down.

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Speaker 1: But in your book you said that your mom got

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Speaker 1: a credit card and she maxed it out and she

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Speaker 1: put it in your name. Yeah. UM, when I was

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Speaker 1: eighteen about to go off to college. UM, I was

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Speaker 1: under the impression that we were going to bank up

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Speaker 1: and because it open up UM checking account for me

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Speaker 1: and a debit card, which makes it because you know

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Speaker 1: I would need that, um getting my refund checked. So

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Speaker 1: what have you? You know, just basic banking, right, But

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Speaker 1: we all got two credit cards. There's two credit cards,

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Speaker 1: a debit card, and checking account. I knew nothing about

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Speaker 1: credit except what I told you earlier. I couldn't answer

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Speaker 1: the phone at home sometimes because it could have been

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Speaker 1: a creditor, right, So I didn't know anything about a

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Speaker 1: credit score, minimum payments. None of these things made any

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Speaker 1: sense to me. I hadn't heard them in my life ever.

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Speaker 1: And so we got these two credit cards. I took

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Speaker 1: one and she just said used it for emergencies, and

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Speaker 1: she took the other one. I didn't think anything of it.

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Speaker 1: She's my mom, what have you? So? I go to college.

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Speaker 1: I didn't use the credit card for a while because

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Speaker 1: I just didn't know how. But then I sort of

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Speaker 1: got that got that bug, and I was like, you know,

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Speaker 1: I need some new clothes, let me go. He's his

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Speaker 1: credit card. I don't have. Weren't even let me use

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Speaker 1: his credit card. So it took me. I think it

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Speaker 1: was the entirety of college. I didn't realize that my

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Speaker 1: mom was using the credit card. And once I once

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Speaker 1: I graduated and the bills were coming to my apartment,

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Speaker 1: I realized that she had maxed it out and it

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Speaker 1: was probably like three thousand. I think it was around

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Speaker 1: three thousand dollars. And that's a lot for an eighteen

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Speaker 1: year old. Yeah, I mean that limit. Once I graduated,

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Speaker 1: I was twenty two, But it's still a lot considering

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Speaker 1: that I was not making a lot of money when

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Speaker 1: she take out taxes. I was making maybe twenty eight,

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Speaker 1: like bringing home twenty eight thousand at the time, um

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Speaker 1: and not knowing about credit not so. I had built

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Speaker 1: up my own credit balance at this point, also had

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Speaker 1: a small loan from college. On top of my mom

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Speaker 1: now inheriting this debt from my mom because she wasn't

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Speaker 1: gonna be able to pay for it because now I,

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Speaker 1: with my college degree and with my job, I'm now

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Speaker 1: making more money than my mom. So there was a

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Speaker 1: resentment for that. Like, okay, so not not only did

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Speaker 1: you not teach me about money, but she's gonna max

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Speaker 1: out the credit card in my name and there's no

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Speaker 1: way for you to actually pay it off in a

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Speaker 1: timely manner. Yeah, that's wild, right, So a lot of

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Speaker 1: people go through that. A lot of people go through that.

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Speaker 1: I actually shared that story on Instagram, and there were

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Speaker 1: people who had been really late, They had been done dirty,

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Speaker 1: worse than I had. Because what I did was I

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Speaker 1: just took I just took the car from my mom.

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Speaker 1: I was like, Mom, Okay, this is what's gonna happen.

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Speaker 1: I'm gonna try to pay off this card, um, but

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Speaker 1: she will longer have access to it, so give me

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Speaker 1: the card back. She gave me the card back, and

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Speaker 1: she has not been on the only thing that we've

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Speaker 1: been attached to is the phone bill because obviously I'm

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Speaker 1: not at home, but I still keep my phone number,

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Speaker 1: my American phone number, and you know, we can use

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Speaker 1: I message and stuff. But literally we we have severed

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Speaker 1: eyes as far as money, except every blue moon. She

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Speaker 1: might ask me for some money every blue moon. Now

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Speaker 1: so um, but yeah, so I had to I had

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Speaker 1: to get rid of that resentment and then anger. And

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Speaker 1: I'm telling you it's so powerful to forgive. That's why

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Speaker 1: that's one of the first exercises inviting book. That was

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Speaker 1: my next question. Yeah, you gotta forgive yourself. You gotta

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Speaker 1: forgive the government, because I know everyone's mad with the

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Speaker 1: government about these loans and the fact that college situation

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Speaker 1: is got high and you have to get and you

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Speaker 1: have to forgive your parents or whoever your guardians were

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Speaker 1: for teaching you bad things or for not teaching you

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Speaker 1: about money at all. Why do you ask? But no, yeah,

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Speaker 1: go ahead ask your question. No, I'm gonna say, why

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Speaker 1: do you think it's so important to forgive? Because I

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Speaker 1: think a lot of people when you mentioned it, not

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Speaker 1: only do you say you have to forgive the person

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Speaker 1: that if they messed up your credit, but you also

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Speaker 1: not to forgive yourself. Why do you think that's so important.

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Speaker 1: I'm let's see if I can answer this to simptly.

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Speaker 1: When I was harboring the when I was harboring guilt

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Speaker 1: for myself for bad decisions that I had made. When

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Speaker 1: I was harboring resentment and anger for my parents, there

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Speaker 1: was literally a block. It was a wall that I

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Speaker 1: could not get through to start the steps to becoming

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Speaker 1: financially free. There was a wall there because I just

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Speaker 1: kept there was just this blame. There was this blame.

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Speaker 1: This person did this to me, and the government did

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Speaker 1: this to me, and I did this to myself, and

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Speaker 1: I'm horrible. I can't. I'm always gonna have that. It's

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Speaker 1: the negative self self taught that becomes that becomes a

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Speaker 1: gate keeping you from the actual opportunities for you to

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Speaker 1: get out. It keeps it keeps you from the knowledge

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Speaker 1: that you're gonna need in order to get out of that.

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Speaker 1: It keeps you from taking those steps to actually becoming

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Speaker 1: financially free. It's um and and it was and I

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Speaker 1: could see that it was a release on me. It

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Speaker 1: changed my relationship with my mom when I got rid

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Speaker 1: of the like the financial resentment peace, not that we

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Speaker 1: have the best relationship ever. Once I got that, it

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Speaker 1: was like it was like a clean slate. We could

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Speaker 1: start over. I could start over and and and I

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Speaker 1: could take action because the power was now back on me.

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Speaker 1: It wasn't on anybody else, even though I had sixty

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Speaker 1: some thousand dollars in debt. Once I realized, okay, it's

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Speaker 1: on me now, you get you look at the numbers.

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Speaker 1: You take the first step, and then you take the

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Speaker 1: next step, and then you take the step after that.

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Speaker 1: But if you don't start with the forgiveness piece, if

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Speaker 1: you don't start with actually understanding why you're in debt

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Speaker 1: and how you grew up around money, the mindset is

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Speaker 1: the mindset is the key to everything else, ms key

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Speaker 1: to everything else. I hope I answered your question, no,

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Speaker 1: you're dead, you're doing because you know what's so funny,

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Speaker 1: It took me because I'm thirty two, and when I

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Speaker 1: really said down and like trying to like tackle my debt,

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Speaker 1: You're right. I had to forgive myself for the mistakes

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Speaker 1: that I made. And I also had the begin of

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Speaker 1: the mistakes that my parents made because they did not

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Speaker 1: teach me anything. And then when I was reading your book,

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Speaker 1: you talked about the mentality or just living paycheck to paycheck,

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Speaker 1: and so many people live paycheck to paycheck and they

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Speaker 1: think it's okay, it's so normal and it's not. And

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Speaker 1: we have we have to normalize. We have to normalize

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Speaker 1: dead freedom. We have to normalize saving for big purchases.

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Speaker 1: We have to normalize not not going into debt for

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Speaker 1: Christmas gifts. You know what I'm saying. We have to

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Speaker 1: normalize basic financial stability, like functions of financial stability. And

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Speaker 1: it's not living paycheck to check paycheck and when when

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Speaker 1: when pay their hits, you're down to like two dollars.

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Speaker 1: That shouldn't be how it is. Yeah, so we have

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Speaker 1: to normalize another way of living. And I think it's

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Speaker 1: slowly but surely happened. Besides that situation, what were some

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Speaker 1: other mistakes you made with money that contributed to your

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Speaker 1: debt um just not being not being self educated before

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Speaker 1: before I used the credit card. You know, I was

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Speaker 1: in college. I didn't I didn't look up for credit school,

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Speaker 1: I didn't look up credit cards, I didn't look up anything.

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Speaker 1: I was. I was so book smart, but I was

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Speaker 1: not street smart. I was not world smart. I was

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Speaker 1: you know, there was there was functions in day to

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Speaker 1: day life that I just didn't understand. So self education peace,

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Speaker 1: and I know we should. It's not that I expected

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Speaker 1: myself to do that in college, but it contributed. And

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Speaker 1: then once I got out of college, there was three

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Speaker 1: years UM in between undergrad and graduate school, and I

285
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Speaker 1: was so desperate just to get out of to get

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Speaker 1: out of the job that I was at because I

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Speaker 1: was just so unhappy and the morale was just low,

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Speaker 1: and I didn't see a few chure in the industry

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Speaker 1: um that I jumped on. I jumped on grad school

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00:16:06,480 --> 00:16:12,600
Speaker 1: not really understanding loans. I jumped into her not understanding

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Speaker 1: how much my salary would be when I got out,

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Speaker 1: like I had. There was no end goo, there wasn't um.

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Speaker 1: I didn't say to myself, I'm going to grad school

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Speaker 1: so that I can get this particular job that pays

295
00:16:23,440 --> 00:16:26,960
Speaker 1: seventy thous dollars out of the gate. I didn't. I

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Speaker 1: went into grad school sort of it's just like a

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00:16:28,840 --> 00:16:31,840
Speaker 1: buffer for me to figure out my knicks, my nixt move.

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Speaker 1: And that was a huge mistake in a sense because

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Speaker 1: it was a very it was a fifty thou dollar buffer,

300
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Speaker 1: like I took on fifty thou dollars loans, and then

301
00:16:44,080 --> 00:16:47,360
Speaker 1: it's it's been it's been like twenty dollars more when

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00:16:47,400 --> 00:16:49,400
Speaker 1: you add when you chat when you add on all

303
00:16:49,440 --> 00:16:54,040
Speaker 1: of the interests that I paid. Um. So, although I

304
00:16:54,160 --> 00:16:57,080
Speaker 1: learned a lot and I had fun, and I've learned

305
00:16:57,120 --> 00:17:00,520
Speaker 1: from those lessons from grad school, I would I've been

306
00:17:00,560 --> 00:17:03,160
Speaker 1: telling people left and right, do not go to school

307
00:17:03,400 --> 00:17:06,600
Speaker 1: just to go to school. Do not take on loans

308
00:17:06,760 --> 00:17:10,560
Speaker 1: just because you can take on loans. Understand the gravity

309
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Speaker 1: of that decision. Scotts get grants, get graduate assistant teaching

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Speaker 1: assistant roles like do everything you can. If you want

311
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Speaker 1: to go back to school, do not go into it

312
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Speaker 1: hastily because you're gonna pay for it one way or another.

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Speaker 1: Where you ain't never lying. I mean, and and I

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Speaker 1: think I now have even I had to, you know,

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Speaker 1: like I said, I had to forgive myself for that

316
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Speaker 1: because I didn't know and and I didn't educate myself,

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Speaker 1: and there weren't people around me, and I wasn't listening

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Speaker 1: to my aunt. My aunt was like, well how many

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Speaker 1: how much are you taking out a loans? I wasn't

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Speaker 1: really listening to her. But now I've learned, and and

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Speaker 1: so I'm sitting So when I do have kids, one day,

322
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Speaker 1: I help, you know, I'll be able to tell them

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Speaker 1: like give them the need degree, like, this is how

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Speaker 1: much we pay for the mortgage, and this is X,

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Speaker 1: Y and z, and this is how much college is

326
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Speaker 1: going to cost, and all that stuff that they can

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Speaker 1: go into it with eyes wide open. Right now, I

328
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Speaker 1: totally agree. Now you are in China, what made you

329
00:18:12,240 --> 00:18:14,080
Speaker 1: move to China? Like, was that part of your debt

330
00:18:14,119 --> 00:18:20,240
Speaker 1: free journey plan? For sure? So my um my China

331
00:18:20,560 --> 00:18:25,200
Speaker 1: experience was threefolds from one. I was not happy in

332
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Speaker 1: the job I took after graduate school. It was fun

333
00:18:28,560 --> 00:18:32,480
Speaker 1: at first, but then, um, the stress of that job.

334
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Speaker 1: And also I was I was working at a digital

335
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Speaker 1: content agency, so I was making content for like magazines

336
00:18:40,600 --> 00:18:43,399
Speaker 1: and making content for websites. That's like your content on

337
00:18:43,480 --> 00:18:47,960
Speaker 1: your Instagram page. So Papa, thank you. Yes, So I

338
00:18:48,080 --> 00:18:52,000
Speaker 1: was making so I was making content for Verizon and Walmart,

339
00:18:52,200 --> 00:18:57,200
Speaker 1: like big companies like that. Um and uh, but I

340
00:18:57,320 --> 00:18:59,840
Speaker 1: felt like I wasn't really serving people. It was for sales.

341
00:19:00,359 --> 00:19:02,719
Speaker 1: It's called content marketing because what you're doing is you're

342
00:19:02,760 --> 00:19:07,520
Speaker 1: giving people content, um, saying oh these are these are

343
00:19:07,560 --> 00:19:09,280
Speaker 1: the features of the phone. This is a fun things

344
00:19:09,280 --> 00:19:11,879
Speaker 1: you's gonna do with this phone and by the phone.

345
00:19:11,960 --> 00:19:14,879
Speaker 1: So it's always about the end result is driving sales,

346
00:19:15,720 --> 00:19:18,520
Speaker 1: and when people touch a piece of content first, the

347
00:19:18,720 --> 00:19:21,840
Speaker 1: likelihood of them buying is higher than if they just

348
00:19:22,000 --> 00:19:25,479
Speaker 1: got a sales page. So um So, I didn't learn

349
00:19:25,480 --> 00:19:27,560
Speaker 1: a lot from that, but I was not happy Towards

350
00:19:27,600 --> 00:19:29,400
Speaker 1: the end. I felt like I wasn't really serving people.

351
00:19:29,440 --> 00:19:32,359
Speaker 1: I was just selling people. And I'm very much about

352
00:19:32,440 --> 00:19:35,560
Speaker 1: just giving people real value and giving people tips without

353
00:19:36,160 --> 00:19:39,680
Speaker 1: always having to get something in return. Um So, I

354
00:19:39,800 --> 00:19:42,480
Speaker 1: was like, I'm not feeling it. So that's one part

355
00:19:42,520 --> 00:19:44,480
Speaker 1: I wanted to leave my job. The second part was

356
00:19:44,640 --> 00:19:49,960
Speaker 1: I took on a teaching gig at the local community college,

357
00:19:50,000 --> 00:19:54,760
Speaker 1: teaching English to adult immigrants. So I was teaching Monday

358
00:19:54,800 --> 00:19:59,000
Speaker 1: through Thursday, and it took on a life of its own.

359
00:19:59,160 --> 00:20:01,800
Speaker 1: Like that aim my main focus. Like I didn't care

360
00:20:01,800 --> 00:20:04,800
Speaker 1: about working at my seven thirty to four pm job

361
00:20:05,400 --> 00:20:08,000
Speaker 1: because I was like the real job, like, the real

362
00:20:08,119 --> 00:20:11,399
Speaker 1: thing I love to do is helping my helping my people,

363
00:20:11,520 --> 00:20:15,240
Speaker 1: like get through the day. It would be times my

364
00:20:15,440 --> 00:20:18,080
Speaker 1: like my because I had a whole I had two classes.

365
00:20:18,160 --> 00:20:20,800
Speaker 1: One class I met you met twice a week and

366
00:20:21,000 --> 00:20:23,320
Speaker 1: they were all Spanish speakers. I speak Spanish. It was

367
00:20:23,440 --> 00:20:26,680
Speaker 1: great because I actually, I automatically had an end with

368
00:20:26,800 --> 00:20:28,720
Speaker 1: them as far as like knowing a little bit about

369
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Speaker 1: Latin American countries and had studied in Spain and had

370
00:20:33,240 --> 00:20:35,399
Speaker 1: been in Mexico, so there were certain things that I

371
00:20:35,560 --> 00:20:37,399
Speaker 1: just already had a rapport with them. And it was

372
00:20:37,440 --> 00:20:39,560
Speaker 1: great because I understood their language and I was able

373
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Speaker 1: to translate things and understand why they wouldn't get it

374
00:20:42,520 --> 00:20:45,240
Speaker 1: in English. So it was amazing. And then my other

375
00:20:45,359 --> 00:20:49,320
Speaker 1: group was worldwide. Everybody was from They were from Taiwan,

376
00:20:49,400 --> 00:20:51,760
Speaker 1: they were from Algeria, they were from the Congo, they

377
00:20:51,800 --> 00:20:55,359
Speaker 1: were from El Salvador, it was France. It was amazing.

378
00:20:55,760 --> 00:20:59,479
Speaker 1: So that group they had more English learning and training

379
00:21:00,000 --> 00:21:02,800
Speaker 1: as far as like writing and understanding the grammar. That

380
00:21:02,920 --> 00:21:05,639
Speaker 1: they couldn't hold conversations. They couldn't go to the store

381
00:21:06,160 --> 00:21:08,639
Speaker 1: and be like, I want a long sleeve shirt. So

382
00:21:08,800 --> 00:21:11,879
Speaker 1: I was teaching them practical skills. So it's just like,

383
00:21:12,080 --> 00:21:14,760
Speaker 1: oh my god, I love teaching. So that's number two.

384
00:21:15,480 --> 00:21:21,359
Speaker 1: Number three, I realized that I was not going to

385
00:21:21,440 --> 00:21:24,359
Speaker 1: get out of debt if I if I stayed at

386
00:21:24,400 --> 00:21:27,800
Speaker 1: this job, the seven thirty four PM job, and I

387
00:21:27,960 --> 00:21:30,679
Speaker 1: was side hustling myself to death. Because I was teaching

388
00:21:30,760 --> 00:21:33,120
Speaker 1: for nights a week and I was doing freelance work

389
00:21:33,640 --> 00:21:36,480
Speaker 1: for the magazine that I used to work for two

390
00:21:36,800 --> 00:21:39,639
Speaker 1: so it's just like, so I was like working and

391
00:21:39,800 --> 00:21:43,919
Speaker 1: working and working, and the bills weren't going anywhere. They

392
00:21:44,000 --> 00:21:48,720
Speaker 1: were not going anywhere, and um, and then my tenure

393
00:21:48,760 --> 00:21:52,960
Speaker 1: reunion happened in October fifteen, were the same, aid, So

394
00:21:53,240 --> 00:21:57,040
Speaker 1: I think probably the same for you ten year high

395
00:21:57,040 --> 00:22:00,560
Speaker 1: school reunion. You start thinking about your life, right, and

396
00:22:00,680 --> 00:22:05,240
Speaker 1: you're just like, hold on, how was I named most

397
00:22:05,280 --> 00:22:09,080
Speaker 1: successful in the year book? But I don't feel successful

398
00:22:10,560 --> 00:22:13,040
Speaker 1: I have you know, I have these degrees, I've been

399
00:22:13,080 --> 00:22:17,679
Speaker 1: able to to travel abroad, but I am living payte

400
00:22:17,800 --> 00:22:20,280
Speaker 1: to paycheck, and at any moment i's something where a

401
00:22:20,359 --> 00:22:23,080
Speaker 1: breakdown or whatever, I would not be able to do anything.

402
00:22:23,880 --> 00:22:26,720
Speaker 1: So um so yeah, So because of the job that

403
00:22:26,760 --> 00:22:29,119
Speaker 1: I didn't like, my the fact that I had just

404
00:22:29,240 --> 00:22:31,800
Speaker 1: found that I really loved teaching, and the fact that

405
00:22:32,040 --> 00:22:35,720
Speaker 1: I just knew I had to reduce my expenses drastically.

406
00:22:36,480 --> 00:22:39,240
Speaker 1: That led me to China because um, I was just

407
00:22:39,320 --> 00:22:42,160
Speaker 1: doing research and I had met other black women who

408
00:22:42,240 --> 00:22:44,359
Speaker 1: were either going to Korea or going to China, and

409
00:22:44,400 --> 00:22:46,760
Speaker 1: they were telling me just about why they were doing it,

410
00:22:46,840 --> 00:22:49,000
Speaker 1: and I was like, oh my God, did some research

411
00:22:49,080 --> 00:22:51,120
Speaker 1: on it, and China could be one of the most

412
00:22:51,160 --> 00:22:55,520
Speaker 1: profitable places to come because a lot of the institutions

413
00:22:55,560 --> 00:22:57,399
Speaker 1: will pay for your flights to come out, so you

414
00:22:57,440 --> 00:23:01,359
Speaker 1: don't have to worry about that. Be a thousand dollars

415
00:23:01,400 --> 00:23:07,679
Speaker 1: and more, it depends on the price. Um. Also free housing. UM.

416
00:23:08,440 --> 00:23:10,880
Speaker 1: Some schools will give you breakfast, sunch, and dinner because

417
00:23:10,920 --> 00:23:12,760
Speaker 1: they're feeding the kids, so they feed the staff too.

418
00:23:13,640 --> 00:23:17,440
Speaker 1: UM and free. I have free utilities right now. I

419
00:23:17,520 --> 00:23:20,200
Speaker 1: don't have to worry about my wife FI. I pay

420
00:23:20,240 --> 00:23:24,520
Speaker 1: a twenty dollar phone bill. I have um no bills.

421
00:23:24,560 --> 00:23:26,600
Speaker 1: As far as a car because I don't have a car.

422
00:23:27,280 --> 00:23:30,120
Speaker 1: I have an electric bike so I can take out

423
00:23:30,240 --> 00:23:32,960
Speaker 1: my battery, charge up my battery in my house and

424
00:23:33,119 --> 00:23:35,280
Speaker 1: putting back in my my bike and go on my

425
00:23:35,359 --> 00:23:37,920
Speaker 1: merry way. And I use public transportation because we have

426
00:23:38,000 --> 00:23:43,360
Speaker 1: buses that we have the metro system. So that's really dope. Yes,

427
00:23:43,520 --> 00:23:46,520
Speaker 1: I have no overhead. All my money comes to me

428
00:23:47,280 --> 00:23:52,280
Speaker 1: and you can feel it, said yeah, because I'm because

429
00:23:52,280 --> 00:23:55,600
Speaker 1: actually my income is not much greater than what I

430
00:23:55,720 --> 00:23:58,000
Speaker 1: was actually making. The states as far as like my

431
00:23:58,119 --> 00:24:04,120
Speaker 1: annual salary, but I keep almost all of it. All

432
00:24:04,200 --> 00:24:07,080
Speaker 1: the pay check comes to me. Or now I'm able

433
00:24:07,119 --> 00:24:10,080
Speaker 1: to I'm able to put down over two thousand dollars

434
00:24:10,119 --> 00:24:13,200
Speaker 1: a month on my student moments. I'm able to save

435
00:24:13,760 --> 00:24:16,840
Speaker 1: thousands of dollars at a time. So so, and I'm

436
00:24:16,880 --> 00:24:21,320
Speaker 1: able to travel too, because I don't believe in complete deformation. Actually,

437
00:24:21,359 --> 00:24:23,360
Speaker 1: in a month, in two months from now, I'm going

438
00:24:23,400 --> 00:24:26,520
Speaker 1: to Bali. Oh I love, but hell love been to

439
00:24:26,600 --> 00:24:29,000
Speaker 1: Bali now, I haven't been a Bally. I was thinking

440
00:24:29,000 --> 00:24:32,159
Speaker 1: of Thailand. Yeah, I've been a Thailand, which is amazing.

441
00:24:32,560 --> 00:24:35,880
Speaker 1: Love Thailand. Yeah, but China is it was a place

442
00:24:35,920 --> 00:24:37,560
Speaker 1: where I was like, I can teach, I can pay

443
00:24:37,600 --> 00:24:40,919
Speaker 1: down debt, and I can travel in these Southeastern Asian

444
00:24:40,960 --> 00:24:44,920
Speaker 1: companies countries and said companies countries. It ain't so cheap

445
00:24:45,119 --> 00:24:48,639
Speaker 1: like I think with people like when you travel and

446
00:24:48,680 --> 00:24:51,400
Speaker 1: stuff like there's all these South Asian countries. Yo, they're

447
00:24:51,440 --> 00:24:54,400
Speaker 1: so cheap out there, Like two hundred dollars will hold

448
00:24:54,400 --> 00:24:57,600
Speaker 1: you down, it will you just you gotta pay for

449
00:24:57,680 --> 00:24:59,440
Speaker 1: your flight to get over here. But once you do that,

450
00:25:00,160 --> 00:25:03,639
Speaker 1: it's pretty, it's pretty. It's pretty nice. It's crazy and

451
00:25:03,720 --> 00:25:10,119
Speaker 1: I like to list a whole queen, whole queen, not

452
00:25:10,240 --> 00:25:14,040
Speaker 1: a princess. But you made you made a really good

453
00:25:14,119 --> 00:25:17,320
Speaker 1: point because I just got I just started my new job,

454
00:25:17,440 --> 00:25:21,720
Speaker 1: and I get free lunch and uh free healthcare. When

455
00:25:21,760 --> 00:25:26,119
Speaker 1: I tell you, I feel my check, like you know,

456
00:25:26,359 --> 00:25:28,840
Speaker 1: it's amazing how much little things like that can make

457
00:25:28,880 --> 00:25:33,840
Speaker 1: a big difference, a huge difference, because it actually studies

458
00:25:33,920 --> 00:25:36,960
Speaker 1: show if you look at um it's actually a government

459
00:25:37,560 --> 00:25:40,240
Speaker 1: data will tell you that the three major expenses that

460
00:25:40,320 --> 00:25:45,040
Speaker 1: people pay for are there, housing, transportation, and food. And

461
00:25:45,359 --> 00:25:47,600
Speaker 1: a lot of people, a lot of people now have

462
00:25:47,720 --> 00:25:50,240
Speaker 1: made the sacrifice to move back home or to get roommates.

463
00:25:50,359 --> 00:25:52,159
Speaker 1: But that used to be shown the plant, right. It

464
00:25:52,280 --> 00:25:55,359
Speaker 1: used to be like live with your parents, like with

465
00:25:55,680 --> 00:25:58,000
Speaker 1: like you gotta degree and you gotta job, but you

466
00:25:58,200 --> 00:26:00,640
Speaker 1: live with your parents. And I it's like, know, if

467
00:26:00,720 --> 00:26:04,360
Speaker 1: I cut out rent, if I cut out rints insurance,

468
00:26:04,440 --> 00:26:06,720
Speaker 1: if I get rid of this car and cut out

469
00:26:07,280 --> 00:26:12,040
Speaker 1: gas and property insurance and registrations and all this stuff.

470
00:26:12,320 --> 00:26:14,600
Speaker 1: If I get rid of these major expenses, if I

471
00:26:14,680 --> 00:26:19,200
Speaker 1: stopped eating out and I start cooking more, that's that's it.

472
00:26:19,480 --> 00:26:22,639
Speaker 1: That's a major part of your budget. So if you

473
00:26:22,720 --> 00:26:25,520
Speaker 1: get those three things to under control, it's amazing. So

474
00:26:26,000 --> 00:26:29,560
Speaker 1: those three things, like I said, housing, transportation and food,

475
00:26:31,320 --> 00:26:35,639
Speaker 1: anything for two of them. So you can get so

476
00:26:35,920 --> 00:26:39,760
Speaker 1: much further ahead in life if you control those three,

477
00:26:40,000 --> 00:26:44,720
Speaker 1: those three biggest categories, and you can't mess with the numbers,

478
00:26:44,760 --> 00:26:48,439
Speaker 1: don't lie. If people, if people actually look at their

479
00:26:48,480 --> 00:26:50,919
Speaker 1: budgets and they write down every little every little thing

480
00:26:51,040 --> 00:26:54,360
Speaker 1: they pay for, people will probably be surprised that their

481
00:26:54,400 --> 00:27:00,320
Speaker 1: housing might take up of their income. And that's danger risks.

482
00:27:00,920 --> 00:27:07,080
Speaker 1: Half half of your check goes to housing. Just housing, Yeah,

483
00:27:07,160 --> 00:27:12,440
Speaker 1: that's scary. Not food, not health insurance, not even the

484
00:27:12,520 --> 00:27:18,680
Speaker 1: fun stuff, not daycare. You're housing. So when people so yeah,

485
00:27:18,800 --> 00:27:21,160
Speaker 1: So what I'm doing out here in China is called

486
00:27:21,200 --> 00:27:24,960
Speaker 1: geo arbitrage when you moved to a location to take

487
00:27:25,080 --> 00:27:30,720
Speaker 1: advantage of lower expenses. Possibly, so, um, so that's what

488
00:27:30,800 --> 00:27:33,560
Speaker 1: I'm doing. Why do you think people are so afraid

489
00:27:33,600 --> 00:27:35,879
Speaker 1: of having a budget? Because I know in the beginning

490
00:27:35,920 --> 00:27:37,560
Speaker 1: I was nervous as hell too, But then after what

491
00:27:37,720 --> 00:27:39,440
Speaker 1: I'm like, this is not not so bad. But I

492
00:27:39,480 --> 00:27:43,320
Speaker 1: feel like there's like a negative connotation with the word budget.

493
00:27:44,840 --> 00:27:48,840
Speaker 1: I think part of it is. People don't want to

494
00:27:48,960 --> 00:27:51,480
Speaker 1: own up to the numbers because, as I just said,

495
00:27:51,520 --> 00:27:54,720
Speaker 1: the numbers don't lie either way, good or bad. Numbers

496
00:27:54,760 --> 00:27:59,000
Speaker 1: don't lie. So the numbers will actually show you if

497
00:27:59,040 --> 00:28:02,600
Speaker 1: you lack a discipline, the numbers will show you your mistakes.

498
00:28:03,760 --> 00:28:07,800
Speaker 1: Your numbers will show you the impulse spending. The numbers

499
00:28:07,840 --> 00:28:11,119
Speaker 1: will show you your values. So if you start putting

500
00:28:11,160 --> 00:28:14,720
Speaker 1: those numbers down and you realize you're not saving any money,

501
00:28:15,160 --> 00:28:17,360
Speaker 1: you realize you're not even giving money away, even though

502
00:28:17,359 --> 00:28:19,960
Speaker 1: you consider yourself to be a generous person, you start

503
00:28:20,040 --> 00:28:23,439
Speaker 1: realizing that where your money flows is not actually um

504
00:28:23,600 --> 00:28:26,000
Speaker 1: is showing your true values. And I think people can

505
00:28:26,080 --> 00:28:30,560
Speaker 1: get get be afraid of that. It could be afraid

506
00:28:30,560 --> 00:28:34,080
Speaker 1: of the truth. To be Yes, it's intimidating and and

507
00:28:34,119 --> 00:28:36,400
Speaker 1: there's a lot of emotion behind many people. Some people

508
00:28:36,440 --> 00:28:38,520
Speaker 1: will say money, it's just math. If you say if

509
00:28:38,560 --> 00:28:42,760
Speaker 1: T and I'm like, it's not just math, a lot

510
00:28:42,840 --> 00:28:46,040
Speaker 1: of emotions. It's so many emotions. I've gone through so

511
00:28:46,080 --> 00:28:51,200
Speaker 1: many emotions around money just this week alone. Jealousy, M girl,

512
00:28:51,200 --> 00:28:54,360
Speaker 1: I don't even get me started. Yeah, just like good

513
00:28:54,440 --> 00:28:56,920
Speaker 1: and bad. I've just had so many emotions about money

514
00:28:57,120 --> 00:29:00,680
Speaker 1: this week, and it's and and so it's the emotional

515
00:29:00,760 --> 00:29:02,720
Speaker 1: part that people are afraid of. Once they put the

516
00:29:02,840 --> 00:29:05,240
Speaker 1: numbers down, they know they can't run away from it.

517
00:29:05,760 --> 00:29:07,680
Speaker 1: They know that they're spending this amount of money on

518
00:29:07,760 --> 00:29:09,400
Speaker 1: this and not of doubt. And some people don't want

519
00:29:09,400 --> 00:29:11,600
Speaker 1: to take the action. Once they write the numbers down,

520
00:29:12,080 --> 00:29:15,160
Speaker 1: then what happens. Are you really gonna cut that subscription?

521
00:29:15,320 --> 00:29:17,320
Speaker 1: Are you really gonna stop going to brunch with your

522
00:29:17,360 --> 00:29:20,840
Speaker 1: girlfriends every weekend? Are you really gonna stop the nail habit?

523
00:29:21,360 --> 00:29:24,600
Speaker 1: Are you really going to start putting money away in

524
00:29:24,640 --> 00:29:27,680
Speaker 1: the saving account? Like? So it requires action too, So

525
00:29:27,800 --> 00:29:31,040
Speaker 1: it's like this emotional the emotions behind it. And then

526
00:29:31,160 --> 00:29:37,360
Speaker 1: also there's also a knowledge gap some people um because

527
00:29:38,920 --> 00:29:41,600
Speaker 1: because they weren't taught how to budget or taught, they

528
00:29:41,680 --> 00:29:44,360
Speaker 1: have these negative connotations just from other people. They don't

529
00:29:44,400 --> 00:29:47,600
Speaker 1: know it for themselves, and they sometimes they don't know

530
00:29:47,680 --> 00:29:49,760
Speaker 1: how to do it, and they get caught up in

531
00:29:49,960 --> 00:29:52,680
Speaker 1: like it has to be this way and this one

532
00:29:52,720 --> 00:29:54,120
Speaker 1: way is the way that I could do it, and

533
00:29:54,160 --> 00:29:58,120
Speaker 1: there's so many choices, so maybe they get paralysis analysis

534
00:29:58,440 --> 00:30:00,240
Speaker 1: excuse me the other way around, and that us is

535
00:30:00,320 --> 00:30:05,040
Speaker 1: paralysis UM, so that's true. That's true. Yeah, there's a

536
00:30:05,080 --> 00:30:08,640
Speaker 1: fifty budget, and then there's the and then I keep

537
00:30:08,680 --> 00:30:10,520
Speaker 1: hearing about the zero based budget, and then I keep

538
00:30:10,600 --> 00:30:14,240
Speaker 1: hearing about this, the paycheck to paycheck budget, and I

539
00:30:14,320 --> 00:30:16,680
Speaker 1: hear about It's just like, first of all, is zero

540
00:30:16,800 --> 00:30:20,320
Speaker 1: based budget is an umbrella for a lot of other budgets.

541
00:30:20,440 --> 00:30:24,440
Speaker 1: Zero based budget just means you're expected income minus your

542
00:30:24,520 --> 00:30:28,560
Speaker 1: expected zero. It literally needs to give every dollar a name.

543
00:30:29,080 --> 00:30:31,040
Speaker 1: I had one person on Instagram reach out to me

544
00:30:31,120 --> 00:30:33,320
Speaker 1: and say, well, how am I supposed to save money

545
00:30:33,840 --> 00:30:36,200
Speaker 1: if my zero based budget gets me to zero dollars

546
00:30:36,240 --> 00:30:37,880
Speaker 1: at the end of the month. And I'm like, what

547
00:30:37,960 --> 00:30:41,040
Speaker 1: do you mean? She literally thought a zero based budget

548
00:30:41,280 --> 00:30:43,680
Speaker 1: was that you don't have you spend all the money

549
00:30:45,840 --> 00:30:48,640
Speaker 1: for that month, you get down grow in your bank account.

550
00:30:48,720 --> 00:30:51,560
Speaker 1: And I was like, oh no, no longer. And it

551
00:30:51,720 --> 00:30:54,120
Speaker 1: literally needs that you plan out all of your money

552
00:30:54,240 --> 00:30:56,760
Speaker 1: so that every dollar is accounting for. You don't have

553
00:30:56,920 --> 00:31:01,360
Speaker 1: to spend all of that money. It doesn't mean that

554
00:31:01,440 --> 00:31:03,040
Speaker 1: you have to spend all the money, but it does

555
00:31:03,160 --> 00:31:04,960
Speaker 1: mean that you have to plan from where all of

556
00:31:05,000 --> 00:31:07,200
Speaker 1: your money is gonna go. And there's an easy way

557
00:31:07,240 --> 00:31:09,400
Speaker 1: for you to track it exactly. That just gives you

558
00:31:09,480 --> 00:31:11,880
Speaker 1: power to track. That gives you power to make decisions

559
00:31:11,960 --> 00:31:15,400
Speaker 1: when you're done tracking. And that's another thing too with budgeting.

560
00:31:15,480 --> 00:31:17,840
Speaker 1: People just think budgeting is just writing it down. No,

561
00:31:19,080 --> 00:31:21,800
Speaker 1: I I do something called a lot of people say

562
00:31:21,880 --> 00:31:25,040
Speaker 1: value based budget or goal based budgeting. I think about

563
00:31:25,200 --> 00:31:28,400
Speaker 1: my goals first. I think about what do I want

564
00:31:28,400 --> 00:31:32,200
Speaker 1: to accomplish. I want to pay off two thousand dollars

565
00:31:32,200 --> 00:31:34,440
Speaker 1: a month, and then okay, I know that much I

566
00:31:34,560 --> 00:31:37,040
Speaker 1: want to save. A hundred dollars is money. I want

567
00:31:37,040 --> 00:31:38,480
Speaker 1: to go on this trip, so I want to say

568
00:31:38,520 --> 00:31:41,280
Speaker 1: fifty dollars for this trip in six months. I've based

569
00:31:41,320 --> 00:31:44,720
Speaker 1: everything off my goals. First, I put that money aside,

570
00:31:46,120 --> 00:31:48,640
Speaker 1: and then the rest of it I can spend guilt free.

571
00:31:49,400 --> 00:31:52,200
Speaker 1: So it's like a lot of people they feel as

572
00:31:52,240 --> 00:31:54,520
Speaker 1: if they have to do it a certain cookie cut

573
00:31:54,560 --> 00:31:57,120
Speaker 1: away and not realizing that a budget just has to

574
00:31:57,160 --> 00:32:00,240
Speaker 1: be tailored to you and your family, your needs, your

575
00:32:00,320 --> 00:32:05,280
Speaker 1: personality convolts may not work for you. Oh yeah, I

576
00:32:05,360 --> 00:32:09,120
Speaker 1: couldn't do that. Ship I did for like I did

577
00:32:09,200 --> 00:32:11,360
Speaker 1: for a month and it didn't help out. But I'm

578
00:32:11,400 --> 00:32:13,040
Speaker 1: just like, I'm not going to be the person who's

579
00:32:13,040 --> 00:32:16,000
Speaker 1: gonna put twenty dollars in my entertainment envelope. I'm not,

580
00:32:17,920 --> 00:32:19,560
Speaker 1: you know, like I already said it side money for

581
00:32:19,640 --> 00:32:22,040
Speaker 1: my bills. I already said, deside money for extra debt

582
00:32:22,080 --> 00:32:24,760
Speaker 1: payoff and for savings. So I'm gonna have fun with

583
00:32:24,840 --> 00:32:26,800
Speaker 1: the rest of this money. Once it is gone. It

584
00:32:27,000 --> 00:32:28,720
Speaker 1: is gone, but I'm gonna have fun with it, and

585
00:32:28,760 --> 00:32:30,960
Speaker 1: I'm not gonna, you know, put too many restraints on it.

586
00:32:31,240 --> 00:32:34,520
Speaker 1: But it has worked for thousands of people. What I

587
00:32:34,720 --> 00:32:36,800
Speaker 1: what I would suggest to people as far as budgeting

588
00:32:37,440 --> 00:32:41,880
Speaker 1: is go into it with a positive attitude because just

589
00:32:42,040 --> 00:32:44,280
Speaker 1: like you're a company, there's no company in this world

590
00:32:44,320 --> 00:32:47,600
Speaker 1: that's doing well that doesn't have a budget. It's yourself.

591
00:32:47,720 --> 00:32:50,680
Speaker 1: Like a company that's like, I'm gonna have x amount

592
00:32:50,720 --> 00:32:53,240
Speaker 1: of revenue, which is income, and I'm gonna have x

593
00:32:53,280 --> 00:32:55,320
Speaker 1: amount of profit, which is the money that you keep

594
00:32:55,960 --> 00:32:59,480
Speaker 1: after you pay expenses. So if you go into it

595
00:32:59,640 --> 00:33:02,600
Speaker 1: like these are my goals. I'm gonna have this much savings,

596
00:33:02,680 --> 00:33:06,000
Speaker 1: I'm I'm this much debt, I'm gonna give the church

597
00:33:06,160 --> 00:33:10,760
Speaker 1: this much money, then you're empowered. Your budget is your map,

598
00:33:11,160 --> 00:33:13,800
Speaker 1: it's your money map. It's helping you reach your goals.

599
00:33:14,000 --> 00:33:18,000
Speaker 1: It's not restricted. It's helping me to achieve the dream. Like,

600
00:33:18,440 --> 00:33:21,440
Speaker 1: if you're budgeting just to pay bills versus budgeting to

601
00:33:21,520 --> 00:33:25,240
Speaker 1: build your life, you're doing it wrong, m because you're

602
00:33:25,280 --> 00:33:27,800
Speaker 1: always just gonna be budgeting just to pay bills, because

603
00:33:27,800 --> 00:33:30,400
Speaker 1: you're gonna always have bills because that's your mindset. Yeah,

604
00:33:30,480 --> 00:33:32,640
Speaker 1: that's your mindset. You always just gonna be worried about

605
00:33:32,640 --> 00:33:35,800
Speaker 1: how I'm gonna geting these bills paid. No, start crafting

606
00:33:35,880 --> 00:33:39,640
Speaker 1: and designing your life. Yeah, there's five dollars a month

607
00:33:39,680 --> 00:33:41,560
Speaker 1: in savings or what have you. Even if you have

608
00:33:41,640 --> 00:33:44,040
Speaker 1: a dream of taking your kids to Disney one year,

609
00:33:44,720 --> 00:33:47,280
Speaker 1: go ahead and make that Disney savings account and start

610
00:33:47,360 --> 00:33:49,920
Speaker 1: putting money into it. And you build the habit. You

611
00:33:50,000 --> 00:33:52,400
Speaker 1: build the habit. You build a habit, and it's gonna

612
00:33:52,440 --> 00:33:55,520
Speaker 1: work out. Savings and budgeting and paying off debt. It

613
00:33:55,680 --> 00:33:59,440
Speaker 1: takes time. It takes time. You just have to get started.

614
00:34:01,520 --> 00:34:03,520
Speaker 1: Um so I know, and I think you said January

615
00:34:03,960 --> 00:34:07,000
Speaker 1: seen you had fifty four thousand dollars worth for debt,

616
00:34:07,800 --> 00:34:11,120
Speaker 1: and then since then, since now, you paid off almost

617
00:34:11,160 --> 00:34:15,520
Speaker 1: thirty thod dollars and you also say almost ten thousand

618
00:34:15,560 --> 00:34:18,640
Speaker 1: dollars and seven months was that, which I was like, oh, yeah,

619
00:34:18,680 --> 00:34:21,480
Speaker 1: I gotta talk to her. How do you do? How

620
00:34:21,560 --> 00:34:24,759
Speaker 1: did you stay so motivated? Because I know one thing

621
00:34:24,880 --> 00:34:26,960
Speaker 1: that I loved about your book is that you talked

622
00:34:26,960 --> 00:34:30,480
Speaker 1: about having it said right, which is an important factor

623
00:34:30,560 --> 00:34:34,920
Speaker 1: of doing anything. So how did you stay so motivated

624
00:34:34,960 --> 00:34:38,120
Speaker 1: through through it all? Because that's a lot. Well, one

625
00:34:38,160 --> 00:34:42,080
Speaker 1: thing is at the beginning of the year. I think

626
00:34:42,160 --> 00:34:45,160
Speaker 1: maybe I had followers on Instagram at the beginning of

627
00:34:45,680 --> 00:34:49,640
Speaker 1: nineteen mm hmm, something crazy like that. And so that's

628
00:34:49,680 --> 00:34:54,759
Speaker 1: motivation in itself. When people are looking at you and

629
00:34:55,160 --> 00:34:58,480
Speaker 1: they are getting motivation from what you're doing, that pushes

630
00:34:58,560 --> 00:35:01,800
Speaker 1: me further. And it's just like, you guys are my

631
00:35:01,920 --> 00:35:05,200
Speaker 1: accountability partners. Um. So I'm like, if I put a

632
00:35:05,280 --> 00:35:08,040
Speaker 1: goal out there and people are watching and people are

633
00:35:08,200 --> 00:35:10,200
Speaker 1: cheering me on and people are like, go girl go,

634
00:35:10,400 --> 00:35:12,440
Speaker 1: I'm just like, Okay, that's one thing. So you have

635
00:35:12,520 --> 00:35:15,040
Speaker 1: to have accountability. You have to share your goal with

636
00:35:15,239 --> 00:35:18,000
Speaker 1: some people, even if it's not like you don't have

637
00:35:18,040 --> 00:35:20,719
Speaker 1: to share with everybody but your ride or die, like

638
00:35:21,080 --> 00:35:26,560
Speaker 1: your boo, your bay, your your parents, whoever you need yes, somebody,

639
00:35:26,719 --> 00:35:28,520
Speaker 1: because if you try to do it in a vacuum,

640
00:35:28,560 --> 00:35:30,400
Speaker 1: you're not gonna go as far as if you go

641
00:35:30,520 --> 00:35:33,239
Speaker 1: with other people. Right. So that's one. That's one part.

642
00:35:34,040 --> 00:35:36,040
Speaker 1: The other projects that I've just always been a self

643
00:35:36,120 --> 00:35:39,800
Speaker 1: motivated person. Um just growing up, there would just be

644
00:35:39,920 --> 00:35:41,480
Speaker 1: there would be certain things that I would go for it.

645
00:35:41,480 --> 00:35:43,320
Speaker 1: I wouldn't even tell my mom I was applying for

646
00:35:43,360 --> 00:35:48,000
Speaker 1: stuff until I needed her money for the feet. Like mom,

647
00:35:48,080 --> 00:35:51,680
Speaker 1: applying for this, uh summer camp at the college this summer,

648
00:35:51,719 --> 00:35:54,480
Speaker 1: I'm gonna go to Raleigh. She was like, huh. I

649
00:35:54,600 --> 00:35:55,880
Speaker 1: was like, you have applying for this? Can I have

650
00:35:55,920 --> 00:35:59,479
Speaker 1: Twitter dollars? Okay? So I was always like a self

651
00:35:59,560 --> 00:36:02,319
Speaker 1: motivated kid. And then also another thing is that I'm

652
00:36:02,480 --> 00:36:05,040
Speaker 1: very much a visual learner, which is I think another thing, why,

653
00:36:05,760 --> 00:36:10,920
Speaker 1: um wait, what is your birthday? February? Nice? Yo, I

654
00:36:11,280 --> 00:36:14,480
Speaker 1: know it. I knew it. My birthday is February the eight.

655
00:36:14,760 --> 00:36:19,359
Speaker 1: I knew it. I was like, I feel like I'm

656
00:36:19,400 --> 00:36:21,840
Speaker 1: talking to myself right now. I swear to you, I

657
00:36:22,920 --> 00:36:26,480
Speaker 1: knew you was an Aquarius. Weird day apart. We're a

658
00:36:26,680 --> 00:36:30,759
Speaker 1: day apart girl. Okay, I'm gonna call you on your

659
00:36:30,800 --> 00:36:34,720
Speaker 1: birthday girl. I know you can't forget. I can't forget.

660
00:36:35,040 --> 00:36:37,120
Speaker 1: And what's funny is that it will be my birthday

661
00:36:37,160 --> 00:36:39,320
Speaker 1: and your birthday at the same time. I'll be in China.

662
00:36:40,239 --> 00:36:44,920
Speaker 1: I'm different. It'll make it. That's funny because I'm listening

663
00:36:44,960 --> 00:36:47,720
Speaker 1: to you talk and I'm just like, wait, she sounds

664
00:36:47,760 --> 00:36:52,360
Speaker 1: like like she sounds like me the same people, So

665
00:36:53,040 --> 00:36:56,600
Speaker 1: go ahead. So one thing is like accountability to just

666
00:36:56,719 --> 00:36:59,480
Speaker 1: my personality. I'm just self motivating. And number three, I'm

667
00:36:59,480 --> 00:37:02,719
Speaker 1: a very big your person So I love so I

668
00:37:02,920 --> 00:37:07,640
Speaker 1: love making my visual trackers and it just I just

669
00:37:07,800 --> 00:37:10,680
Speaker 1: love coloring stuff and checking stuff off. Like I'm a

670
00:37:10,719 --> 00:37:13,359
Speaker 1: big to do to do list girl, big checklist girl.

671
00:37:13,960 --> 00:37:16,719
Speaker 1: So when I see those check marks and I see

672
00:37:16,760 --> 00:37:18,960
Speaker 1: that I've colored a new block in my savings tracker

673
00:37:19,080 --> 00:37:22,160
Speaker 1: or what have you, it's um man, it just makes

674
00:37:22,200 --> 00:37:25,719
Speaker 1: me just it keeps me going mhm. So yeah. So

675
00:37:25,880 --> 00:37:29,880
Speaker 1: like yeah, the book, I give a lot of a

676
00:37:29,960 --> 00:37:32,320
Speaker 1: lot of tips to keep keep people on the grind

677
00:37:32,400 --> 00:37:35,280
Speaker 1: because it's not gonna happen overnight. There are some stories

678
00:37:35,280 --> 00:37:38,879
Speaker 1: when people paid off seventy dollars in six months. I'm

679
00:37:38,920 --> 00:37:41,400
Speaker 1: like cool for them. I don't have the income they have,

680
00:37:42,640 --> 00:37:46,120
Speaker 1: the circumstances are different. You know, maybe they can get

681
00:37:46,200 --> 00:37:48,600
Speaker 1: over time and they can get paid extra because any

682
00:37:48,600 --> 00:37:50,600
Speaker 1: of there and the health care field, so they're over

683
00:37:50,680 --> 00:37:54,160
Speaker 1: time is like major. So it's like you you gotta

684
00:37:54,400 --> 00:37:57,680
Speaker 1: you gotta think about what you can do and and

685
00:37:57,960 --> 00:38:00,479
Speaker 1: play a game with yourself, not necessarily with other people,

686
00:38:00,920 --> 00:38:03,000
Speaker 1: but play the game with yourself and see how far

687
00:38:03,120 --> 00:38:06,440
Speaker 1: you can go um by tracking and being accountable to

688
00:38:06,560 --> 00:38:11,080
Speaker 1: other people. Uh. The thing I like about your book

689
00:38:11,200 --> 00:38:13,840
Speaker 1: was that you told us that it's important to understand

690
00:38:13,920 --> 00:38:15,880
Speaker 1: the mindset of debt because I think a lot of

691
00:38:15,920 --> 00:38:17,600
Speaker 1: times people go shopping, they think that they just have

692
00:38:17,680 --> 00:38:20,359
Speaker 1: a shopping problem. But nine times I attend the reason

693
00:38:20,400 --> 00:38:22,000
Speaker 1: you have a shopping problems it is because you're trying

694
00:38:22,000 --> 00:38:25,640
Speaker 1: to throw a board of something. Yeah, I know, I know.

695
00:38:25,760 --> 00:38:29,520
Speaker 1: I went there because I was I was a chubby teenager.

696
00:38:30,320 --> 00:38:32,879
Speaker 1: M and then and then I went I lost weight

697
00:38:33,000 --> 00:38:35,080
Speaker 1: in college. Excuse me, I lost weight senior year of

698
00:38:35,160 --> 00:38:37,239
Speaker 1: high school. So I was feeling myself a little bit.

699
00:38:37,320 --> 00:38:39,560
Speaker 1: And then I went to college and I probably I

700
00:38:39,600 --> 00:38:41,200
Speaker 1: don't know how much weight that game, but I was

701
00:38:41,239 --> 00:38:44,960
Speaker 1: almost two hundred pounds. I wasn't really yeah, I was

702
00:38:45,280 --> 00:38:47,879
Speaker 1: the highest weight that I was was a hundred ninety

703
00:38:47,880 --> 00:38:53,960
Speaker 1: eight pounds, and I said, whoa, Nelly, I've gotten I

704
00:38:54,040 --> 00:38:58,440
Speaker 1: gotta change that right. So one of my shopping habits

705
00:38:58,480 --> 00:39:02,480
Speaker 1: once I had lost weight again after college was I

706
00:39:02,880 --> 00:39:06,120
Speaker 1: was addicted to like clothes shopping because I had never

707
00:39:06,239 --> 00:39:09,080
Speaker 1: been the girl who could fit into like acute dresses

708
00:39:09,400 --> 00:39:11,160
Speaker 1: to go out to the club. I was not that

709
00:39:11,320 --> 00:39:15,279
Speaker 1: girl who could wear certain tops and all this type

710
00:39:15,320 --> 00:39:19,520
Speaker 1: of stuff. So I went ham in the stores and

711
00:39:21,400 --> 00:39:23,279
Speaker 1: and then I realized that it was like it was

712
00:39:23,320 --> 00:39:25,839
Speaker 1: reaking having on my life because every time I got paid,

713
00:39:25,880 --> 00:39:27,560
Speaker 1: I would go to Express or the Limited or what

714
00:39:27,680 --> 00:39:30,839
Speaker 1: have you and just go Ham. I was like, I've

715
00:39:31,120 --> 00:39:33,920
Speaker 1: you got to get that under control. And once um,

716
00:39:34,280 --> 00:39:38,279
Speaker 1: I started realizing that clothes don't make the person, and

717
00:39:38,440 --> 00:39:41,000
Speaker 1: that my inner beauty is just as important as my

718
00:39:41,040 --> 00:39:44,719
Speaker 1: out of beauty, things started to change. UM. And there's

719
00:39:44,840 --> 00:39:46,600
Speaker 1: and there was one woman who I mentioned in the

720
00:39:46,640 --> 00:39:51,120
Speaker 1: book who she was an empty nester, and she started

721
00:39:51,200 --> 00:39:53,200
Speaker 1: doing all these projects at the house. She was spending

722
00:39:53,239 --> 00:39:55,279
Speaker 1: money on renovation, she was doing this, she was doing that,

723
00:39:55,800 --> 00:39:58,160
Speaker 1: and she was giving gifts to people and she could

724
00:39:58,200 --> 00:40:00,879
Speaker 1: not figure out what was going on. As somebody told

725
00:40:00,920 --> 00:40:03,520
Speaker 1: her stick to a budget, a lot of it out

726
00:40:03,560 --> 00:40:05,960
Speaker 1: and it was just like, it's again, it's not about

727
00:40:06,000 --> 00:40:09,800
Speaker 1: the numbers. If she she knows that she needs to budget,

728
00:40:10,200 --> 00:40:12,759
Speaker 1: But the problem is that she didn't realize how much

729
00:40:14,160 --> 00:40:16,520
Speaker 1: how much an emotional toll it took on her for

730
00:40:16,600 --> 00:40:18,880
Speaker 1: her kids to be out of the house. So she

731
00:40:19,040 --> 00:40:21,440
Speaker 1: just wanted to feel loved, and she wanted to feel needed,

732
00:40:21,480 --> 00:40:23,640
Speaker 1: and she wanted to be of service to people. So

733
00:40:23,760 --> 00:40:25,800
Speaker 1: she was spending money on gifts for people, and she

734
00:40:26,000 --> 00:40:28,359
Speaker 1: was renovating the house because nobody was in the house.

735
00:40:28,800 --> 00:40:32,000
Speaker 1: She just needed something to do. And my suggestion to

736
00:40:32,120 --> 00:40:34,840
Speaker 1: her was like, you really need to look into that,

737
00:40:35,000 --> 00:40:37,920
Speaker 1: and she was like what She was like, oh my gosh,

738
00:40:38,000 --> 00:40:39,960
Speaker 1: I hadn't even thought about that. I was like, yeah, like,

739
00:40:40,840 --> 00:40:45,000
Speaker 1: it's you're going through emotional emotional turmoil right now, the

740
00:40:45,080 --> 00:40:48,680
Speaker 1: new chapter in your life, and you're you're you're spending

741
00:40:48,719 --> 00:40:51,839
Speaker 1: money out the wazoo to try to feel this emotional boy,

742
00:40:52,000 --> 00:40:53,719
Speaker 1: and it's got to be the other way around. You

743
00:40:53,800 --> 00:40:56,560
Speaker 1: gotta look on the inside first, see what you really need,

744
00:40:56,680 --> 00:40:59,840
Speaker 1: really want, and then the money will take care of itself.

745
00:41:00,719 --> 00:41:04,239
Speaker 1: Mm hmm, No, that's true. Um. So I know for

746
00:41:04,360 --> 00:41:06,640
Speaker 1: me and like your stuff and the listeners, the ultimate

747
00:41:06,719 --> 00:41:08,480
Speaker 1: goal is for all of us to see pay them

748
00:41:08,600 --> 00:41:12,279
Speaker 1: full for all of our bills. So not the other

749
00:41:12,320 --> 00:41:14,160
Speaker 1: way too much, because I really want people to purchase

750
00:41:14,200 --> 00:41:16,520
Speaker 1: your e book. But what would be your number one

751
00:41:16,560 --> 00:41:27,920
Speaker 1: way to like break down that goal? Wow? Um, the

752
00:41:28,080 --> 00:41:30,960
Speaker 1: number one way on anything? Like, yeah, because I don't

753
00:41:31,320 --> 00:41:33,080
Speaker 1: want you to give too much, because I do have

754
00:41:33,160 --> 00:41:35,719
Speaker 1: a couple of more questions, but like because I just

755
00:41:35,800 --> 00:41:39,360
Speaker 1: think when people see numbers that get intimidated. Yeah, and

756
00:41:39,560 --> 00:41:43,279
Speaker 1: like even when so even when when I was promoting you,

757
00:41:43,440 --> 00:41:45,840
Speaker 1: I was like, oh she um had like fifty thousands

758
00:41:45,880 --> 00:41:47,960
Speaker 1: and death she paid off thirty thousands, and I was like, wow,

759
00:41:48,040 --> 00:41:52,800
Speaker 1: like how did she do that? Um? I think actually

760
00:41:52,840 --> 00:41:55,000
Speaker 1: the key was in the question you said, how, what's

761
00:41:55,040 --> 00:41:56,920
Speaker 1: the number one thing that people should do for breaking

762
00:41:56,920 --> 00:41:59,839
Speaker 1: down the goals? M number one thing is to live

763
00:41:59,880 --> 00:42:03,920
Speaker 1: in the break down the goal. Yeah, that's I think

764
00:42:04,040 --> 00:42:07,520
Speaker 1: that's that's literally it you have. There's no way I

765
00:42:07,600 --> 00:42:10,799
Speaker 1: could have looked at fifty four thousand dollars of dead

766
00:42:11,200 --> 00:42:15,239
Speaker 1: and been okay with that. That is daunting it's not

767
00:42:15,320 --> 00:42:19,719
Speaker 1: even my salary. So to consider that salary off in

768
00:42:19,880 --> 00:42:24,040
Speaker 1: debt is bananas. So you have to break it down

769
00:42:24,239 --> 00:42:27,400
Speaker 1: and you have to be specific, give yourself certain deadlines

770
00:42:27,440 --> 00:42:32,560
Speaker 1: and mouthstones. It's not always it's not always like I

771
00:42:32,600 --> 00:42:35,239
Speaker 1: gotta pay down this dead lad by this amount of time,

772
00:42:35,760 --> 00:42:38,319
Speaker 1: like making a joints occasion. Like if you say, Okay,

773
00:42:38,320 --> 00:42:43,680
Speaker 1: I'm gonna pay down in the next eight months, Okay,

774
00:42:43,719 --> 00:42:45,759
Speaker 1: that's something that you can look forward to and you

775
00:42:45,840 --> 00:42:48,160
Speaker 1: can say, once I reach that mouthstone, I'm gonna I'm

776
00:42:48,200 --> 00:42:51,839
Speaker 1: gonna pay for one hour aside. So it's like it's

777
00:42:51,880 --> 00:42:54,399
Speaker 1: something to look forward to. Break it down and give

778
00:42:54,440 --> 00:42:58,200
Speaker 1: yourself something to look forward to along the journey because

779
00:42:58,239 --> 00:43:01,839
Speaker 1: it's gonna be a long one. It sure is. It's

780
00:43:01,840 --> 00:43:05,520
Speaker 1: gonna be worth it. It may it may take more

781
00:43:05,560 --> 00:43:07,439
Speaker 1: than two years, and may take more than three years.

782
00:43:07,719 --> 00:43:11,080
Speaker 1: However long it takes, you still have to celebrate along

783
00:43:11,440 --> 00:43:13,640
Speaker 1: the journey or else you're not gonna or else she's

784
00:43:13,640 --> 00:43:17,200
Speaker 1: just gonna keep relaxing. And I think when you also

785
00:43:17,239 --> 00:43:19,360
Speaker 1: talked about breaking down and goal, you also gave like

786
00:43:19,480 --> 00:43:21,080
Speaker 1: ways on how you can do as far as like

787
00:43:21,640 --> 00:43:25,480
Speaker 1: side hustling, saying no to going out negotiating your bills.

788
00:43:25,520 --> 00:43:27,440
Speaker 1: Like it's stuff that a lot of people don't think

789
00:43:27,480 --> 00:43:29,200
Speaker 1: that they can do, but it's so easy to do.

790
00:43:29,320 --> 00:43:32,239
Speaker 1: You just gotta get creative. You gotta get creative, and

791
00:43:32,320 --> 00:43:34,800
Speaker 1: you gotta have courage, which is why I started with

792
00:43:34,880 --> 00:43:38,759
Speaker 1: the mindset piece. It starts with your mind m hm.

793
00:43:40,120 --> 00:43:42,560
Speaker 1: Now along with achieving that goal, this is something that

794
00:43:42,600 --> 00:43:44,239
Speaker 1: I thought that you did. I was really helpful. You

795
00:43:44,360 --> 00:43:48,359
Speaker 1: gave out four different ways of paying your depth off

796
00:43:48,960 --> 00:43:50,719
Speaker 1: and the most popular way and them and the one

797
00:43:50,800 --> 00:43:54,400
Speaker 1: that I used was the depth snowball. H So pretty

798
00:43:54,480 --> 00:43:55,960
Speaker 1: much what that is, and you can correct me if

799
00:43:56,000 --> 00:43:59,600
Speaker 1: I'm wrong. You pay the lowest amount bill first, even

800
00:43:59,640 --> 00:44:02,120
Speaker 1: though you did not see as much movement in your bills,

801
00:44:02,160 --> 00:44:04,319
Speaker 1: but at least you're making progress in some shapeing form.

802
00:44:05,320 --> 00:44:09,000
Speaker 1: Exactly exactly. Yeah, So the snowball, when you think about

803
00:44:09,080 --> 00:44:12,239
Speaker 1: just the metaphor of it all, it starts slows. It

804
00:44:12,280 --> 00:44:17,000
Speaker 1: starts at the small ball, which is the extra payment

805
00:44:17,080 --> 00:44:20,839
Speaker 1: that you can put towards one bill um and then

806
00:44:21,280 --> 00:44:24,160
Speaker 1: once you pay that off, because hopefully you'll be able

807
00:44:24,160 --> 00:44:26,000
Speaker 1: to do it quickly. Right, So if you have five

808
00:44:26,480 --> 00:44:28,399
Speaker 1: on the credit card, maybe you could knock that out

809
00:44:28,400 --> 00:44:30,800
Speaker 1: in three months. Great, So now you can put the

810
00:44:30,960 --> 00:44:33,640
Speaker 1: extrementing you will pay for that small bill. You add

811
00:44:33,719 --> 00:44:35,839
Speaker 1: it to the snowball. It makes it bigger, and then

812
00:44:35,920 --> 00:44:38,800
Speaker 1: you have a bigger like extra amount to pay on

813
00:44:38,880 --> 00:44:41,320
Speaker 1: the second bill, and then you pay that off, and

814
00:44:41,360 --> 00:44:43,359
Speaker 1: then the snowball gets bigger and you can pay off

815
00:44:43,400 --> 00:44:45,080
Speaker 1: the third bill, and then it just and then it

816
00:44:45,200 --> 00:44:47,400
Speaker 1: just grows and frozen grows. So now I'm on the

817
00:44:47,920 --> 00:44:51,080
Speaker 1: I'm on the next to last part of my snowball

818
00:44:51,360 --> 00:44:54,399
Speaker 1: because I have two loans left, and this last loan

819
00:44:54,560 --> 00:44:56,719
Speaker 1: I wanted to pay it off by December thirty one.

820
00:44:57,920 --> 00:45:00,400
Speaker 1: Crazy things could happen. I could get them extral like

821
00:45:00,480 --> 00:45:02,800
Speaker 1: three thousand dollars about this in a month. And you

822
00:45:02,880 --> 00:45:04,440
Speaker 1: know how you're gonna get that because y'all need to

823
00:45:04,520 --> 00:45:06,399
Speaker 1: go out and support my girl will her e book

824
00:45:07,000 --> 00:45:11,440
Speaker 1: that's just so much snaky kindly um and you know,

825
00:45:11,640 --> 00:45:14,160
Speaker 1: not just for me, but like this is mutually beneficial.

826
00:45:15,200 --> 00:45:17,279
Speaker 1: I'm going to get value from this e book. And

827
00:45:17,320 --> 00:45:19,560
Speaker 1: I'm not just saying this just to say this, but

828
00:45:19,719 --> 00:45:22,479
Speaker 1: like I tested it out before I put it, before

829
00:45:22,480 --> 00:45:25,160
Speaker 1: I sold it, and people were like, oh, I had

830
00:45:25,280 --> 00:45:27,200
Speaker 1: thought about this, and this was great, This was great,

831
00:45:27,400 --> 00:45:29,600
Speaker 1: And even Evan has brought the book and I have

832
00:45:30,680 --> 00:45:32,680
Speaker 1: before I even asked her about it, she was like, oh, no,

833
00:45:32,800 --> 00:45:34,320
Speaker 1: I got so much value out of the book, and

834
00:45:35,239 --> 00:45:40,640
Speaker 1: so like it's an investment in in your growth in

835
00:45:40,760 --> 00:45:44,080
Speaker 1: your financial literacy and it will pay off literally and

836
00:45:44,160 --> 00:45:46,759
Speaker 1: figuratively once you start, Like if you just do one

837
00:45:46,800 --> 00:45:49,359
Speaker 1: section of the book when we talk about bills, you're

838
00:45:49,360 --> 00:45:52,040
Speaker 1: gonna get the money back from the book if you know,

839
00:45:52,160 --> 00:45:54,879
Speaker 1: you really are. But I also noticed that you said

840
00:45:54,920 --> 00:45:57,880
Speaker 1: that that's like the number one most recommended way for

841
00:45:58,000 --> 00:46:02,200
Speaker 1: people to pay their bills off. Yeah, it's like, um,

842
00:46:02,880 --> 00:46:07,360
Speaker 1: Harvard did studies, there's studies stone that it's the emotional

843
00:46:07,400 --> 00:46:09,960
Speaker 1: piece of getting people think, okay, the dead snowballings. You

844
00:46:10,120 --> 00:46:12,239
Speaker 1: pay off your smallest balance first and you just keep

845
00:46:12,320 --> 00:46:14,800
Speaker 1: going up to the higher balances. The debt avalanche is

846
00:46:14,880 --> 00:46:18,040
Speaker 1: that you pay off the highest interest card. You pay

847
00:46:18,080 --> 00:46:21,560
Speaker 1: off the debt with the highest interest first. So let's

848
00:46:21,600 --> 00:46:26,560
Speaker 1: say you have the opportunity to choose between paying off

849
00:46:26,760 --> 00:46:30,880
Speaker 1: your credit card with a five dollar balance on it

850
00:46:31,840 --> 00:46:34,759
Speaker 1: and it's only a three percent interest rate, but then

851
00:46:34,840 --> 00:46:37,160
Speaker 1: you have the store credit card from like I don't know,

852
00:46:37,280 --> 00:46:41,759
Speaker 1: let's say Macy's. It's twenty nine interest rate, which is

853
00:46:41,880 --> 00:46:45,239
Speaker 1: WHOA ridiculous, But it's true. It's a true. These store

854
00:46:45,280 --> 00:46:49,600
Speaker 1: cards are crazy. But your balance is let's say five

855
00:46:49,680 --> 00:46:54,320
Speaker 1: thousand dollars, So you have a five hundred dollar balance,

856
00:46:54,800 --> 00:46:58,200
Speaker 1: and you have a five thousand dollar balance, Which one

857
00:46:58,280 --> 00:47:02,160
Speaker 1: do you think you can actually tackle? Weakest? Right, it's

858
00:47:02,200 --> 00:47:05,319
Speaker 1: the five It's the small it's the smallest balance, it's

859
00:47:05,400 --> 00:47:09,600
Speaker 1: the lowest interest rate. But once you tackle it, it's done.

860
00:47:10,560 --> 00:47:13,480
Speaker 1: You have you're like, oh, I accomplish that. I only

861
00:47:13,560 --> 00:47:15,640
Speaker 1: did that in two months. I did that in three months. Okay,

862
00:47:15,719 --> 00:47:18,000
Speaker 1: let's put the money toward the next day and the

863
00:47:18,120 --> 00:47:20,960
Speaker 1: next day. So it's about the emotional wins. It's about

864
00:47:21,000 --> 00:47:23,800
Speaker 1: having that triumph. It's about listing your debts in that

865
00:47:24,000 --> 00:47:26,399
Speaker 1: order and then you have you can cross it out.

866
00:47:26,760 --> 00:47:28,800
Speaker 1: There's so much power in crossing it out and just

867
00:47:28,920 --> 00:47:30,799
Speaker 1: having it done so that you don't have to worry

868
00:47:30,800 --> 00:47:33,920
Speaker 1: about it the morning. Yeah, you're just done with it.

869
00:47:33,960 --> 00:47:36,279
Speaker 1: Because if you because if it takes you a year

870
00:47:36,440 --> 00:47:39,520
Speaker 1: to do to just get rid of that one five thousand,

871
00:47:39,960 --> 00:47:42,200
Speaker 1: five thousand dollar credit card, when you could have maybe

872
00:47:42,280 --> 00:47:45,480
Speaker 1: gotten three debts out of the way. There were smaller balances,

873
00:47:45,520 --> 00:47:47,879
Speaker 1: but you've got three, You're you know, you might lose

874
00:47:47,960 --> 00:47:50,600
Speaker 1: motivation Without that year, you'd be like, God, you're still

875
00:47:50,640 --> 00:47:53,759
Speaker 1: paying off this dank card. Like and then once you

876
00:47:53,840 --> 00:47:56,520
Speaker 1: actually you can use these calculators where you can switch

877
00:47:56,640 --> 00:47:59,440
Speaker 1: between the debt snowball and the dead amalanche, and you

878
00:47:59,560 --> 00:48:01,520
Speaker 1: can see that the amount of interest that you will

879
00:48:01,560 --> 00:48:04,440
Speaker 1: pay off if you do the debt avalanche versus then

880
00:48:05,040 --> 00:48:08,279
Speaker 1: the snowball is like it can't be minimal. It's like, oh,

881
00:48:08,520 --> 00:48:11,080
Speaker 1: I do the debt avalanche, but I only end up

882
00:48:11,080 --> 00:48:13,920
Speaker 1: saving like a hundred fifty dollars throughout that time period

883
00:48:13,960 --> 00:48:16,279
Speaker 1: that I'm paying all these bills off, Like I might

884
00:48:16,280 --> 00:48:19,320
Speaker 1: as well just get the emotional wins exactly, you know,

885
00:48:19,440 --> 00:48:22,359
Speaker 1: like get the emotional wins. Not that a hundred fifty

886
00:48:22,360 --> 00:48:24,640
Speaker 1: dollars or something. This needs that, but when you talk

887
00:48:24,680 --> 00:48:28,680
Speaker 1: about the fact that money is emotional, you need those

888
00:48:28,760 --> 00:48:31,600
Speaker 1: emotional wins. And I also encourage people. One of the

889
00:48:31,640 --> 00:48:34,759
Speaker 1: other method is like the hybrid. So sometimes I have

890
00:48:34,920 --> 00:48:37,960
Speaker 1: had balances that were very close together, and what I did,

891
00:48:38,360 --> 00:48:40,920
Speaker 1: I said, Okay, I'm gonna pause the dead snowball. I'm

892
00:48:40,960 --> 00:48:42,840
Speaker 1: not gonna go with the one with the smallest balance

893
00:48:42,880 --> 00:48:45,879
Speaker 1: because it's it's minimal, right the twenty dollar difference, I'm

894
00:48:45,880 --> 00:48:47,640
Speaker 1: gonna go ahead and knock out the one that's twenty

895
00:48:47,680 --> 00:48:50,919
Speaker 1: dollars more. But the interest rate is much much higher.

896
00:48:51,880 --> 00:48:53,080
Speaker 1: So if I give it in the one with the

897
00:48:53,160 --> 00:48:55,719
Speaker 1: highest interest rate right now, then I'm actually saving some money.

898
00:48:55,840 --> 00:48:59,000
Speaker 1: The is so you can switch back and forth for

899
00:48:59,080 --> 00:49:01,719
Speaker 1: what I but it's important for people to choose a

900
00:49:01,760 --> 00:49:05,560
Speaker 1: plan and to just go for it. Go for it

901
00:49:05,920 --> 00:49:10,640
Speaker 1: for months, don't don't get with you wash. Consistency pays off.

902
00:49:11,080 --> 00:49:13,080
Speaker 1: So if you go with that avalanche, try to stick

903
00:49:13,160 --> 00:49:15,200
Speaker 1: with it for as long as you can and knock

904
00:49:15,239 --> 00:49:17,920
Speaker 1: it out. Then go with this snowball. If you go

905
00:49:18,040 --> 00:49:20,320
Speaker 1: with this snowball, just go go home for it. Just

906
00:49:20,440 --> 00:49:24,080
Speaker 1: like just keep going, just keep plugging away. Okay, this

907
00:49:24,239 --> 00:49:27,680
Speaker 1: is from my listener. Her name is Zenobia, and her

908
00:49:27,760 --> 00:49:31,200
Speaker 1: question is I know I love her, she's so sweet. Um.

909
00:49:31,280 --> 00:49:33,719
Speaker 1: Then her question is what were some things that you

910
00:49:33,920 --> 00:49:40,120
Speaker 1: didn't sacrifice to reach your goal? Travel? Yeah? I knew

911
00:49:40,160 --> 00:49:44,279
Speaker 1: that one, beau. So yeah. In the very first year

912
00:49:44,360 --> 00:49:46,480
Speaker 1: though I was I was in a situation where I

913
00:49:46,560 --> 00:49:48,719
Speaker 1: was not My overhead was not being paid for, so

914
00:49:48,880 --> 00:49:51,279
Speaker 1: I was paying rint for my Chinese apartment, I was

915
00:49:51,360 --> 00:49:53,640
Speaker 1: paying cable, I was paying this. So my very first

916
00:49:53,760 --> 00:49:55,920
Speaker 1: job was not like the job that I have now.

917
00:49:56,719 --> 00:49:58,360
Speaker 1: So my very first job, I was not able to

918
00:49:58,440 --> 00:50:00,680
Speaker 1: travel at all because I it is literally like I

919
00:50:00,840 --> 00:50:03,200
Speaker 1: was paying Chinese bills and I was paying bills back home.

920
00:50:03,800 --> 00:50:06,839
Speaker 1: So I was like I was maxed out. But once

921
00:50:06,880 --> 00:50:09,480
Speaker 1: I got my other jobs, the last three years have

922
00:50:09,560 --> 00:50:14,120
Speaker 1: been really great. So um, but yeah, travel, um. There

923
00:50:14,160 --> 00:50:16,200
Speaker 1: are certain expenses that are just cheaper here so I

924
00:50:16,280 --> 00:50:18,920
Speaker 1: can pay. I can pay ten or eleven dollars to

925
00:50:18,960 --> 00:50:22,120
Speaker 1: get a jail pedicure, so I don't. I can only

926
00:50:22,160 --> 00:50:24,200
Speaker 1: pay ten or eleven u s dollars to get a

927
00:50:24,239 --> 00:50:26,560
Speaker 1: full out of massage, so I do that. I have

928
00:50:26,719 --> 00:50:31,600
Speaker 1: time for that. Yeah, so so I don't. Um, so

929
00:50:31,719 --> 00:50:34,959
Speaker 1: I have fun with that. And then uh, I think,

930
00:50:35,160 --> 00:50:37,279
Speaker 1: I think I eat out. It's probably the same. I

931
00:50:37,360 --> 00:50:39,000
Speaker 1: eat out a little bit more here than I did

932
00:50:39,040 --> 00:50:42,560
Speaker 1: at home, because for me, it's social. It's not just

933
00:50:42,719 --> 00:50:45,680
Speaker 1: like always getting delivered just because I don't want to

934
00:50:45,719 --> 00:50:48,160
Speaker 1: cook for me. It's like it's that time where I'm

935
00:50:48,160 --> 00:50:50,399
Speaker 1: spending time with my friends and my coworkers, so it's

936
00:50:50,440 --> 00:50:53,719
Speaker 1: actually an event, it's a treat. So um, yeah, so

937
00:50:54,920 --> 00:50:57,840
Speaker 1: those are those are things that are really important to me.

938
00:50:57,920 --> 00:51:00,600
Speaker 1: I'm not like a closed girl anymore. I don't try

939
00:51:00,640 --> 00:51:02,560
Speaker 1: to go out and get all the clothes, although I could,

940
00:51:02,680 --> 00:51:05,239
Speaker 1: because it's China and everything's made here. I can get,

941
00:51:06,600 --> 00:51:09,080
Speaker 1: but I don't care about it that much. I work

942
00:51:09,120 --> 00:51:11,160
Speaker 1: with kindergarten kids. I work with three and four year olds,

943
00:51:11,160 --> 00:51:13,520
Speaker 1: so I'm like, if anybody got to say something about

944
00:51:13,520 --> 00:51:18,880
Speaker 1: my clothes, that's on you. I don't care. Um, before

945
00:51:18,960 --> 00:51:20,919
Speaker 1: we leave, what is the biggest lesson that you learned

946
00:51:20,920 --> 00:51:26,000
Speaker 1: from paying off your death? Oh that's a hard one.

947
00:51:26,120 --> 00:51:30,560
Speaker 1: The biggest lesson? Yeah, the first thing to come to

948
00:51:30,680 --> 00:51:33,680
Speaker 1: your mind. Okay, the first thing that comes to my

949
00:51:33,760 --> 00:51:37,800
Speaker 1: mind is that you just have to get started. I

950
00:51:37,880 --> 00:51:40,920
Speaker 1: know it sounds it's easier said to them, but you

951
00:51:41,120 --> 00:51:43,560
Speaker 1: have to get started. M hm, you just I mean,

952
00:51:44,600 --> 00:51:47,239
Speaker 1: that's that's the basics for everything. Like I don't think

953
00:51:47,600 --> 00:51:50,879
Speaker 1: no one goes through I don't think we go through

954
00:51:51,000 --> 00:51:54,719
Speaker 1: k We have a k DO twelve system. When you

955
00:51:54,800 --> 00:51:57,920
Speaker 1: think about thirteen years of your life to achieve the

956
00:51:57,960 --> 00:52:00,560
Speaker 1: high school diploma. No one is like gonna give up

957
00:52:00,560 --> 00:52:02,200
Speaker 1: an eighth grade, like not many people. It's just like

958
00:52:02,680 --> 00:52:05,279
Speaker 1: you're gonna do it. You're gonna through it, You're gonna

959
00:52:05,280 --> 00:52:07,920
Speaker 1: graduate with your diploma. It's gonna be like something expected.

960
00:52:08,880 --> 00:52:11,000
Speaker 1: But the thing is that you just start. You go

961
00:52:11,120 --> 00:52:12,840
Speaker 1: through kindergarten and you go do you level up? You

962
00:52:12,960 --> 00:52:15,239
Speaker 1: level up, you level up, right, So it's like for me,

963
00:52:15,360 --> 00:52:17,960
Speaker 1: it's the same thing. It's like, I'm gonna reach this goal.

964
00:52:18,320 --> 00:52:21,759
Speaker 1: It's gonna take some time, but I've gotten started. So

965
00:52:21,880 --> 00:52:23,719
Speaker 1: now that I'm starting, I'm gonna keep going. I'm gonna

966
00:52:23,760 --> 00:52:26,480
Speaker 1: keep leving up, keep loving up, keep levling, levingly up,

967
00:52:27,320 --> 00:52:29,880
Speaker 1: and I'm gonna reach eventually reach that goal. But you

968
00:52:29,960 --> 00:52:34,359
Speaker 1: gotta get started. Don't don't wait until January one. It's

969
00:52:34,400 --> 00:52:38,480
Speaker 1: not a magical date. You're not gonna turn into a pency.

970
00:52:41,520 --> 00:52:44,680
Speaker 1: Get started with what you have now. If you if

971
00:52:44,760 --> 00:52:47,799
Speaker 1: you can get rid of a subscription for seven ninety

972
00:52:47,880 --> 00:52:49,799
Speaker 1: nine and you can put that seven ninety nine towards

973
00:52:49,800 --> 00:52:53,880
Speaker 1: your credit card, start with what you have, do what

974
00:52:54,120 --> 00:52:59,160
Speaker 1: you can now. Mhm. That's the biggest lesson. Well, I

975
00:52:59,360 --> 00:53:02,440
Speaker 1: think this has been an amazing episode. I knew she

976
00:53:02,640 --> 00:53:06,160
Speaker 1: wasn't a Clarius because we have kindred spirit. So, UM,

977
00:53:06,239 --> 00:53:07,880
Speaker 1: I really want you to support her e book. Like

978
00:53:07,960 --> 00:53:10,160
Speaker 1: she said, I bought the book way before she was

979
00:53:10,480 --> 00:53:12,440
Speaker 1: even but right before I even reached out to her

980
00:53:12,480 --> 00:53:14,960
Speaker 1: to be a guest in the podcast. So I really

981
00:53:15,000 --> 00:53:17,759
Speaker 1: want you to support her because her book is really good. Um.

982
00:53:17,880 --> 00:53:19,479
Speaker 1: I'm just gonna put the link in the show notes,

983
00:53:19,520 --> 00:53:21,040
Speaker 1: so as soon as you read the show notes, it

984
00:53:21,080 --> 00:53:22,239
Speaker 1: would be at the bottom of it and you can

985
00:53:22,280 --> 00:53:23,920
Speaker 1: click the lake and then you can just purchase her

986
00:53:23,960 --> 00:53:27,120
Speaker 1: e book. So if you have any no, absolutely, we

987
00:53:27,200 --> 00:53:29,640
Speaker 1: have to support each other and it's really good. So

988
00:53:29,719 --> 00:53:31,320
Speaker 1: if you have any questions when I reach out to

989
00:53:31,400 --> 00:53:34,200
Speaker 1: my guests, any comments or concerns, please make sure to

990
00:53:34,280 --> 00:53:37,839
Speaker 1: email me at Hello at the PhD podcast dot com. Um,

991
00:53:37,880 --> 00:53:40,680
Speaker 1: to my guests, thank you so much for dropping these gems.

992
00:53:40,760 --> 00:53:44,080
Speaker 1: I'm pretty sure these girls are gonna be and motivated

993
00:53:44,160 --> 00:53:48,200
Speaker 1: and expire because you have definitely made me feel inspired

994
00:53:48,239 --> 00:53:50,839
Speaker 1: and just to continue to keep my goals and keep

995
00:53:50,920 --> 00:53:53,919
Speaker 1: knocking them out. So I really appreciate you for that. Wow,

996
00:53:54,040 --> 00:53:56,960
Speaker 1: I appreciate you. This is this is amazing. I'm so glad.

997
00:53:58,040 --> 00:53:59,960
Speaker 1: It's just amazing people that I meet on this stourn

998
00:54:00,719 --> 00:54:03,400
Speaker 1: I know, right, like whoa like you know about me,

999
00:54:03,800 --> 00:54:07,960
Speaker 1: it's still crazy to me. And until oh, you know what,

1000
00:54:08,200 --> 00:54:10,680
Speaker 1: and Happy Thanksgiving by the time you hear this Thanksgiving

1001
00:54:10,719 --> 00:54:13,960
Speaker 1: me but two days from um when once this episode dropped.

1002
00:54:13,960 --> 00:54:17,600
Speaker 1: So Happy Thanksgiving, UM, spend time with your families. And

1003
00:54:17,800 --> 00:54:20,080
Speaker 1: I'm just so thankful for this podcast. And like my guests,

1004
00:54:20,080 --> 00:54:22,560
Speaker 1: I'm thankful for being on this journey because I'm able

1005
00:54:22,600 --> 00:54:25,960
Speaker 1: to meet amazing people like her, and you know, I'm

1006
00:54:26,000 --> 00:54:29,120
Speaker 1: really excited for what's to come. So Happy Thanksgiving everyone,

1007
00:54:29,800 --> 00:54:32,399
Speaker 1: and stay blessed. They prayed up and until next time

1008
00:54:33,520 --> 00:54:33,719
Speaker 1: later