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Speaker 1: Hey, Hey, Hey, da fam, It's Mandy here again, wishing

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Speaker 1: you guys a beautiful holiday season. Today, we've got a

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Speaker 1: very special throwback episode of the podcast from someone who's

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Speaker 1: actually gone from being one of my favorite co hosts

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Speaker 1: a guest co host this past summer to truly one

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Speaker 1: of my favorite friends and sisters in the solopreneur entrepreneur

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Speaker 1: side hustle lifestyle. Her name is Janice Torres Rodriguez of

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Speaker 1: jo Kiero Dinero. If you guys have not checked out

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Speaker 1: her podcast, Jokeiedo Dineto.

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Speaker 2: What are you waiting for?

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Speaker 1: In fact, a really good place to start maybe my

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Speaker 1: episode with Janie which aired earlier this year. But honestly,

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Speaker 1: Janie is a one in a million personality force of nature,

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Speaker 1: and she is creating such a safe, wonderful place for

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Speaker 1: LATINX people to take control of their finances, to dream

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Speaker 1: of a different outcome in their life than just working

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Speaker 1: the regular nine to five. And I'm thrilled to look

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Speaker 1: back at this episode with Janie. She is, like I said,

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Speaker 1: the creator and co host of the Yokio Dinero podcast,

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Speaker 1: and she and I talked about how she got tired

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Speaker 1: of her nine to five job as an engineer and

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Speaker 1: literally side hustled her way into doing what she loves.

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Speaker 1: Her journey to financial independence was one of the most

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Speaker 1: inspiring stories we shared this year, and I cannot wait

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Speaker 1: for y'all to relive this episode with me. So without

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Speaker 1: further ado, here is one of my favorite episodes of

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Speaker 1: twenty twenty one by back your time with Janice Torres

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Speaker 1: Rodriguez of Yokiero Dinero. Hey, hey, be a fan here.

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Speaker 1: We are at the end of our summer co host

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Speaker 1: series and I couldn't be more grateful to all the

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Speaker 1: amazing co hosts who have joined me and have filled

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Speaker 1: the whole in my heart that is shaped like Tiffany

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Speaker 1: the Bugenista, and today's fourth and final co host could

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Speaker 1: not be more spectacular. I really did save one of

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Speaker 1: the best for last. We are joined today by Janice

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Speaker 1: Torres Rodriguez, who is killing the game for Latina's and

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Speaker 1: Latino's in general through her podcast Jokiedo Dinero. Janice's personal

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Speaker 1: finance journey began in her mid twenties. She was living

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Speaker 1: what she thought was her dream working as a mechanical engineer,

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Speaker 1: following in her father's footsteps, got married, bought the house

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Speaker 1: had everything, the car, the great job, and she even

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Speaker 1: had a master's degree, and that's when she felt like

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Speaker 1: she was starting to have a quarter life crisis. At

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Speaker 1: that point, Janice knew it was time to get rid

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Speaker 1: of the house, take her family, and move. Not just move,

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Speaker 1: but switch her entire career around. She started with a

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Speaker 1: food blog and has transitioned now into her brand Jokito Dinero,

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Speaker 1: which is a podcast you can find on Apple Podcasts

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Speaker 1: and anywhere you enjoy listening to Brown Ambition, and she

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Speaker 1: has become an expert in side hustles. She has ten

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Speaker 1: passive income streams, y'all ten. They have helped her payoff

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Speaker 1: over thirty nine thousand dollars of student loans, build generational wealth,

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Speaker 1: and she's retired officially from traditional nine to five work.

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Speaker 1: Jennie said she decided to build her brand when she

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Speaker 1: realized she desperately wanted to connect with other Latinos who

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Speaker 1: were talking about personal finance, building wealth and financial independence. Surprise,

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Speaker 1: she says, I couldn't find any and so the Jokiedo

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Speaker 1: di Nato podcast was born. We hope you love this

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Speaker 1: episode as much as we did recording it for you.

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Speaker 1: As always, y'all can find us on Apple Podcasts, Google podcast,

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Speaker 1: Amazon Music, Stitch or Spotify, wherever you get your podcasts.

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Speaker 1: Don't forget to follow us and rate and review our show.

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Speaker 1: We would love to hear from you. Okay, without further ado,

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Speaker 1: here is Janice Torres Rodriguez of Jokiedo Dinero on Brown

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Speaker 1: and Abition.

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Speaker 2: Hello, Jennie Haga, Hey, oh my gosh, I can't believe

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Speaker 2: this is really happening.

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Speaker 1: Well, thank you so much for joining us from Sunny

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Speaker 1: Sunny Tampa, Florida.

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Speaker 2: Yeah. Yeah, it's not a bad place to be. I

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Speaker 2: gotta say that.

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Speaker 1: So did you Well? First of all, I'm really excited

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Speaker 1: because Yoketo dinto podcast. I mean, it is just one

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Speaker 1: of it feels like several, well a few really interesting

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Speaker 1: and unique new personal finance brands for LATINX women and

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Speaker 1: especially and I'm sure that your audience is larger than that,

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Speaker 1: but it was I think it was. I don't know.

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Speaker 1: When Tiffany and I were just starting out, there was

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Speaker 1: like no Latina people, Latino people doing personal finance podcasts.

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Speaker 1: So I'm just excited that y'all are getting better representation,

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Speaker 1: that you're using your voice to reach this audience and

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Speaker 1: as we say bien venidos uh or as I try

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Speaker 1: to say in my you.

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Speaker 2: You know, I appreciate that and it that really is

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Speaker 2: the kind of origin story of why the podcast even

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Speaker 2: exists because of that very reason of just not being

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Speaker 2: able to find representation, and I fell into personal finance.

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Speaker 2: Listening to people like Suzie Orman and Susie Ormand for

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Speaker 2: me is like the og I love her. I've actually

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Speaker 2: like seen her live, Like I'm that person that like

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Speaker 2: goes and follows her around. But at some point, you know,

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Speaker 2: it's like that's cool, but you're also like a seventy

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Speaker 2: year old white woman within your own private island, and

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Speaker 2: I can't honestly say that we have so much in common.

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Speaker 2: So I kind of want to hear, like, what are

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Speaker 2: normal people like me doing with money? And so I

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Speaker 2: couldn't find it. So I had to create this space

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Speaker 2: so we could have those conversations.

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Speaker 1: That's so funny. Yeah, I can't. I mean, Susie Ormand

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Speaker 1: is so much bigger than her hairstyle, and yet that

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Speaker 1: is the only thing that I think about when I

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Speaker 1: hear about Susie. But yeah, iconic, definitely iconic. Well, talk

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Speaker 1: to me about Jenisa's story. Tell me your personal finance

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Speaker 1: origin story, if you could pinpoint the experience in your

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Speaker 1: life when you knew, wow, I'm going to really focus

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Speaker 1: in on my finances in wealth building. What would that

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Speaker 1: be for you?

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Speaker 2: Well, it's funny because I felt like I was good

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Speaker 2: with money until I realized I wasn't, which I think

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Speaker 2: happens to a lot of us. So I think the

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Speaker 2: origin story for me definitely came about because I bought

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Speaker 2: a house. So up until that point, I was about

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Speaker 2: thirty years old, I had like this, you know, made

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Speaker 2: up goal in my mind that I need to own

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Speaker 2: a house by thirty. I need to have like checked

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Speaker 2: off all the things. So that's like, you know, getting

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Speaker 2: the good job, getting six figures in my paycheck, like

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Speaker 2: getting married, doing all the things, and then buying the

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Speaker 2: house was like the pinnacle of that list of accomplishments. Right,

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Speaker 2: So I turned thirty, buy a house, and then I'm

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Speaker 2: effing miserable, and I'm like sitting with myself thinking about, Okay,

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Speaker 2: why why am I so unhappy? Like this whole thing

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Speaker 2: was something that I thought I was supposed to feel

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Speaker 2: this immense sense of pride and joy, but all I

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Speaker 2: felt was like I had just tied myself to thirty

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Speaker 2: years of working this godforst sake in job that I hated,

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Speaker 2: and that was really like some perspective that I hadn't

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Speaker 2: had before of just like I had just forced myself

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Speaker 2: into a decision of staying in the corporate world in

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Speaker 2: the nine to five when I knew all the long

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Speaker 2: like I didn't actually want to do that for the

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Speaker 2: remainder of my life. And so having those two things

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Speaker 2: very conflicting, right, like this one sense of I want

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Speaker 2: to just be a responsible adult and do the right things,

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Speaker 2: but also having the sense of like I can't conform,

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Speaker 2: like it feels like it's going to kill me, made

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Speaker 2: me think about, like, is there something else that I

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Speaker 2: should be doing with my money that doesn't involve just

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Speaker 2: like keeping up with the Joneses. And so I found

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Speaker 2: out about the concept of financial independence through podcasts, and

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Speaker 2: that for me was the moment where everything changed. I

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Speaker 2: finally saw money and not just as this thing that

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Speaker 2: you acquire and you buy things with, but actually this

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Speaker 2: thing that you could use to buy back your time

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Speaker 2: and buy back your freedom.

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Speaker 1: I love, I mean, I really identify with that because

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Speaker 1: I mean, so much of what we're taught is you're

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Speaker 1: good with money if you have enough to buy things, Like, yeah,

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Speaker 1: that shows that you must be great with your money.

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Speaker 1: But you're you know, what you said is a realization

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Speaker 1: that it seems like a lot of folks I've had

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Speaker 1: now in the pandemic even is it's not about the things.

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Speaker 1: It's like what is your money doing in the background?

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Speaker 1: Is it working and growing for you? Okay, so does

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Speaker 1: that mean that you got rid of the house? What

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Speaker 1: did you do? How once you had this epiphany? Do

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Speaker 1: you still have the is the is the partner there?

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Speaker 1: Did they get the move? Like? How different is your

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Speaker 1: life today?

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Speaker 2: Well, let me just say my husband, he is really

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Speaker 2: like ride or die? I okay, we cut him. Yes,

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Speaker 2: I put him through some some really stressful times with

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Speaker 2: the house because I had been pressuring him like so much,

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Speaker 2: you know, like we need to buy this house, like

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Speaker 2: and he never felt that pressure because he grew up

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Speaker 2: as you know, he's Latino too, but he never actually

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Speaker 2: lived in like a home that his parents owned. They

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Speaker 2: just moved from apartment to apartment, so he didn't understand

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Speaker 2: like why I was so obsessed with this idea. I

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Speaker 2: was a kid on the other hand, that saw how

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Speaker 2: home ownership had changed my parents' life and had literally

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Speaker 2: like given them access to the American dream. So once

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Speaker 2: I kind of forced him down the rabbit hole of

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Speaker 2: home ownership, he was just like, girl, like, can you

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Speaker 2: sit down and think about what you actually want? If

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Speaker 2: we're gonna do something different, what does that look like?

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Speaker 2: And for me, it looked like a couple of things.

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Speaker 2: It looked like. First of all, I was born and

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Speaker 2: raised in New Jersey, never actually felt like that was

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Speaker 2: the place for me. I always just had like this

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Speaker 2: existential crisis going on in my head, like I don't

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Speaker 2: be long here, but I don't know where. And then

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Speaker 2: I traveled down to the southwest coast of Florida a

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Speaker 2: couple of times with my husband, and immediately, within like

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Speaker 2: a day of arriving, I was like, this is where

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Speaker 2: I can imagine my life unfolding. So we made a

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Speaker 2: plan to move and this was literally like six months

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Speaker 2: after buying the house.

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Speaker 1: Oh wow, So.

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Speaker 2: You can imagine like how he was stressed. Right, He's like, Okay,

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Speaker 2: here we go on the crazy train again. And you know,

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Speaker 2: of course I tell my parents, my family, my friends,

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Speaker 2: they're all just like, what are you talking about? You

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Speaker 2: just bought a house, and I'm just like, I know, y'all,

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Speaker 2: but like, this is an it. I need to do

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Speaker 2: something else. I'm going to relocate. I'm going to transfer

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Speaker 2: my job, which I was able to do because I

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Speaker 2: work for a company that has locations all over the place,

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Speaker 2: and my husband was actually able to do the same.

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Speaker 2: So we both transferred our jobs or in Florida, rented

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Speaker 2: out the house, eventually sold the house. I started pursuing

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Speaker 2: financial independence, like hardcore, paying off debt, getting serious about investing,

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Speaker 2: and everything changed as a result of making those decisions.

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Speaker 1: So within six months, you decided this house ain't it,

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Speaker 1: I'm going to move to Florida. And then so how

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Speaker 1: long did it take you and your husband to get

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Speaker 1: all your ducks in a row and move down there.

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Speaker 2: So we bought the house in July of twenty sixteen.

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Speaker 2: By the end of that year, we were formulating a plan.

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Speaker 2: I spent the bulk of twenty seventeen interviewing for job transfers,

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Speaker 2: and I got the official offer in the beginning of

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Speaker 2: twenty eighteen. So then we made a plan. It was

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Speaker 2: like a ninety day plan to move down to Florida.

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Speaker 2: I came down first because my husband was still going

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Speaker 2: through the process of transferring his job, and we both

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Speaker 2: settled one hundred percent moved down by September of twenty eighteen.

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Speaker 1: Wow, that's awesome. I mean, in spite of the fact

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Speaker 1: that you had purchased that house, you were still brave

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Speaker 1: enough to because that's a big I mean, it's the

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Speaker 1: kind of thing where someone may may just sit with

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Speaker 1: that shame or like not. I'm not saying you should

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Speaker 1: feel a shame, but you can feel like, oh, man,

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Speaker 1: I made this decision. I think it wasn't the right one.

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Speaker 1: But some people would just continue, you know, living like

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Speaker 1: that just to just to save face as they see,

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Speaker 1: you know, I need.

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Speaker 2: To pipe it up in therapy because of all this.

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Speaker 2: So I was just like, look, I had to confront

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Speaker 2: a lot of things, and one of them was just

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Speaker 2: like this idea that I had kind of been operating

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Speaker 2: an autopilot and had not really thought about, like if

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Speaker 2: it was all up to me, which I mean, duh,

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Speaker 2: it is up to me, But what would my life

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Speaker 2: look like if I just started following my own intuition

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Speaker 2: instead of going down the checklist of accomplishments in life

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Speaker 2: that everybody else had for me. And so once I

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Speaker 2: kind of felt like empowered to start making those decisions,

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Speaker 2: I started getting really comfortable with pissing people off and

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Speaker 2: just making decisions that were really aligned with me.

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Speaker 1: Yes, I have then, really, I mean I look back

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Speaker 1: at my childhood. They say your personality is like set

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Speaker 1: by age six, and I had a very long decade

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Speaker 1: or two after I was like a young teen where

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Speaker 1: I became young tween where I became super super anxious

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Speaker 1: and shy and never talk to anybody, had like zero friends.

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Speaker 1: But until I was six, I love pissing people off.

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Speaker 1: I loved asking for what I wanted. I don't know

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Speaker 1: what happened to me as a young adolescent, but now

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Speaker 1: that I am the way I am, I'm just like, yes,

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Speaker 1: I mean I was just this was always here. She

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Speaker 1: was just hidden. You know, you gotta tap. And there's

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Speaker 1: like studies that show when you're a young girl, young

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Speaker 1: girls are so confident until they hit their like adolescent

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Speaker 1: and teenage years and it's a shame. But it's like

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Speaker 1: society sort of and all the different signals from school

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Speaker 1: to our families to social media today and it just

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Speaker 1: all kind of sends you this message that you're not

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Speaker 1: allowed to piss people off, you're not allowed to say no,

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Speaker 1: and your voice is not to be heard. I mean,

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Speaker 1: it's it's empowering when you finally realize that you can

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Speaker 1: do it, and hey, you still like live on people

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Speaker 1: being angry at you doesn't ruin your life, It doesn't

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Speaker 1: change everything. It's not like it's a capital offense, right absolutely.

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Speaker 2: I can so identify with that too. I think, you know,

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Speaker 2: as young adolescents, like we start really caring about what

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Speaker 2: other people think, and it just becomes like this mode

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Speaker 2: of operation where we're just always putting what we want

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Speaker 2: to do through the lens of like what are what

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Speaker 2: is everybody else going to think? And I think in

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Speaker 2: LATINX culture, like that's so that's such a thing, Like

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Speaker 2: it's always there's a saying like ka lahinte, which is

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Speaker 2: like what are people gonna say? And that's like you

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Speaker 2: got to keep the shame away from the family, You

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Speaker 2: got to keep any reason for people talking about you

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Speaker 2: away from the family. And so we're always just like

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Speaker 2: programmed to think about not just ourselves, but like what

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Speaker 2: else is everybody's opinion about what I'm doing, and sometimes

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Speaker 2: that just makes us show up really inauthentically, and you know,

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Speaker 2: we're like freaking robots after a while.

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Speaker 1: Yeah, it makes me think of when we got a

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Speaker 1: not even a very nice car. We got a used

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Speaker 1: car a few years ago, and my mother in law

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Speaker 1: was like, please come pick me up from Bingo. She

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Speaker 1: was just so excited to show off, you know, her

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Speaker 1: son's new car. Bless her. I love her. I love you.

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Speaker 1: All right, So you and I talked a little bit before,

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Speaker 1: and I believe you told me that you were working

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Speaker 1: as an engineer at this time. What was that like,

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Speaker 1: because that is a field that I mean, I'm all

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Speaker 1: for more women in STEM and and you know, and

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Speaker 1: that must have been from all the research I've done

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Speaker 1: as a personal finance reporter. Whenever you did a list

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Speaker 1: of top earning majors in college, it was always like

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Speaker 1: computer engineering things like that. So you must have, you know,

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Speaker 1: had a well paying job and a field that's super competitive,

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Speaker 1: and you must be extraordinarily smart. But you said that

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Speaker 1: you hated your job, right, so can you talk about

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Speaker 1: what was it about your career that you weren't finding fulfilling?

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Speaker 1: And then how did you and when did you sort

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Speaker 1: of pivot into what you're doing now.

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Speaker 2: Yeah. Yeah, So as an engineer and a latina like,

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Speaker 2: I think that the career experience has definitely served me

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Speaker 2: well in the sense that, like, I'm so used to

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Speaker 2: being mansplained that now when it happens in like the

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Speaker 2: personal finance sphere, which yes, it absolutely does, Yeah, it

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Speaker 2: kind of doesn't bother me. I'm just like, bitch, like what,

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Speaker 2: like we are the same, so I'm not even here

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Speaker 2: to like I don't need your explanations, sir, thank you.

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Speaker 2: And because that came so much from like my corporate experience,

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Speaker 2: I was usually the youngest woman in the room. I

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Speaker 2: was usually the only woman of color, and there was

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Speaker 2: a lot of like that just you know that girl,

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Speaker 2: that girl gets like the project that nobody else wants

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Speaker 2: to work on and just gets talked down to, gets

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Speaker 2: told that I'm aggressive when you know the men are

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Speaker 2: quote unquote being assertive blah blah blah. So I think

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Speaker 2: from that perspective, like I'm grateful for the fact that

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Speaker 2: it gave me a thick skin, because right, I don't

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Speaker 2: take any shit from anybody at this point. And I

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Speaker 2: think my career has a lot to do with that.

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Speaker 2: But I think I followed my father's footsteps when it

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Speaker 2: comes to an engineering background, because he is an engineer

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Speaker 2: as well. He works on like automating production lines for

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Speaker 2: manufacturing companies, and so I always like was surrounded by

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Speaker 2: technology and curiosity in science, like that was always the

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Speaker 2: vibe that was in my house. I was always wanting

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Speaker 2: to find out what my dad was working on. So

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Speaker 2: I think, you know, I saw him being financially successful,

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Speaker 2: and I wanted to mimic that. But then I also

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Speaker 2: realized that after a while, I just don't care about this.

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Speaker 2: This is not what lights me up. Yes, I was

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Speaker 2: making great money, like I was twenty five years old,

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Speaker 2: making like seventy five thousand dollars. I started making six

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Speaker 2: figures before I turned thirty, And you know, the monetary

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Speaker 2: aspect of it is what kept me in the field

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Speaker 2: for so long, because I had all these thoughts about, like, well,

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Speaker 2: what the hell else am I going to do? It's

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Speaker 2: actually gonna be able to pay me this type of money.

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Speaker 2: But at some point I just realized, like I can't

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Speaker 2: go through life just living with the excitement of a

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Speaker 2: paycheck because it's not it's not worth it. To me,

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Speaker 2: I can't wake up every day with anxiety about going

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Speaker 2: to work and doing something that literally just like drains me.

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Speaker 2: And then I don't care about.

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Speaker 1: I'm setting with that for a moment because I want people.

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Speaker 1: You don't You guys don't have to do it. There's

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Speaker 1: another way. There's another way. You mentioned therapy earlier. Now,

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Speaker 1: I talked to my husband about therapy because I've been

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Speaker 1: in therapy ever since I got pregnant a couple of

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Speaker 1: years ago. I just knew it's well, first of all,

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Speaker 1: I know it's really hard to find a therapist that

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Speaker 1: you jive with, and I was I was looking for

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Speaker 1: therapists before, you know, better help and talk space and

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Speaker 1: all these new apps and stuff. But I whenever I

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Speaker 1: kind of bring it up, I can feel the air

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Speaker 1: in the room changed around. My husband and his family

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Speaker 1: their Dominican American and you know, first generation in this country,

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Speaker 1: and there's just there's a bit of a stigma about it.

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Speaker 1: It's very much like not from him, but like from

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Speaker 1: some of his extended family. You know, why won't you

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Speaker 1: just talk to God about that? And by the way,

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Speaker 1: I come from a very uh southern Black family in

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Speaker 1: Atlanta and it's the same damn thing. It's like, oh no,

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Speaker 1: we talked to Jesus when we have problems. We know what.

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Speaker 1: So what was that like for you? Was it easy

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Speaker 1: for you to turn to therapy in your journey or

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Speaker 1: did you have did you have any like internalized stigmas

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Speaker 1: against it as well?

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Speaker 2: I definitely had internalized stigmas. My husband went to therapy

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Speaker 2: before I did, and so I actually followed his example

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Speaker 2: because mental health was something that was very common in

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Speaker 2: his family like to talk about and I was the

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Speaker 2: complete opposite. So he actually gave me like the courage

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Speaker 2: to even pursue this. And you know, at some point

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Speaker 2: I wanted to talk about it to my family too.

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Speaker 2: And when I first told them, of course, they're just like, girl,

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Speaker 2: Like what do you have to complain about? Like you

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Speaker 2: have a perfect life, Get over it. Your anxiety is

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Speaker 2: made up, blah blah blah. But at some point, you know,

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Speaker 2: you kind of have to just brush that stuff aside

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Speaker 2: and realize, like, your feelings are your feelings. You don't

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Speaker 2: need somebody else to validate them, and if you need help, like,

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Speaker 2: that's what it's there for. So whoever approves or doesn't,

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Speaker 2: they got to get over that shit because it has

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Speaker 2: nothing to do with you.

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Speaker 1: I love that your husband. I've never heard an anecdote

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Speaker 1: from someone saying my male partner, my husband encouraged me

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Speaker 1: to get into therapy. I want to hear more stories

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Speaker 1: like that. I think that's amazing. Yeah, okay, well we

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00:19:48,600 --> 00:19:50,720
Speaker 1: don't have that much time, but I want to. So

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Speaker 1: we haven't even gotten to Jokia Dinero. But before you've

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Speaker 1: lived like twelve lives in the past decade. It feels like,

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Speaker 1: but you didn't start with your Okato di Nato while

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Speaker 1: you were working. You've launched your food blog right, Delish Delights,

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Speaker 1: which is to this day one of your ten income sources,

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Speaker 1: which we're going to talk to Genie about how she

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Speaker 1: has ten streams of income, which is like major goals.

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Speaker 1: But talk to me about Delish Delights, how it is

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Speaker 1: making money for you today. And then when did you

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Speaker 1: pivot from food blogging to money blogging and money advice?

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Speaker 2: Yeah, so the food blog is definitely like a creative

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Speaker 2: outlet that I started because of this frustration that I

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Speaker 2: had around my career. I had a typical quarter life

404
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Speaker 2: crisis where I'm like I wake up like I'm like

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Speaker 2: twenty seven years old, What the hell is my life? Like?

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Speaker 2: Why is this the thing that we all have to do?

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Speaker 2: Like why do we just have to go to work

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Speaker 2: every day and work till we're sixty five and then

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Speaker 2: like go and enjoy life. So I was convinced that, like,

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Speaker 2: maybe I should just quit my job and go to

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Speaker 2: culinary school and I'm going to be like, you know,

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Speaker 2: Gordon Ramsey or something. But then I realized, okay, wait,

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Speaker 2: so I'm going to take like a massive pay cup

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Speaker 2: because we all know the restaurant industry doesn't pay. I'm

415
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Speaker 2: going to get into more student loan debt when I'm

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Speaker 2: still paying off like my master's degree. Hold on, maybe

417
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Speaker 2: this is not the route to go. So then I

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Speaker 2: discovered the world of online blogging. So I started finding

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Speaker 2: websites like skinny Taste dot com and The Pioneer Woman,

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Speaker 2: and I realized, oh, this love of cooking that I

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Speaker 2: have can actually be something that I can do from

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Speaker 2: home and I can create like this website and maybe

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Speaker 2: I can actually monetize this, and so I dove in

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Speaker 2: like head first. I created my blog. I started sharing

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Speaker 2: recipes every day. I was like, you know, my husband

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Speaker 2: would come home I'd be like on top of the

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Speaker 2: kitchen table, like taking pictures every dish in the you know,

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Speaker 2: kitchen sink, all the pots would be used. And then

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Speaker 2: I got laid off like six months after I started

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Speaker 2: the blog and have this free time to myself to

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Speaker 2: really just pretend, like what would it be like if

432
00:21:55,640 --> 00:21:58,879
Speaker 2: I was a self employed person making a living off

433
00:21:58,960 --> 00:22:01,560
Speaker 2: of a food blog. So I took the opportunity to

434
00:22:01,760 --> 00:22:05,040
Speaker 2: take some courses in food blogging, which was just becoming

435
00:22:05,080 --> 00:22:07,560
Speaker 2: like a thing that people were actually teaching you how

436
00:22:07,560 --> 00:22:09,800
Speaker 2: to do that you could actually make money on. And

437
00:22:09,880 --> 00:22:13,720
Speaker 2: I started implementing what I was learning into my journey

438
00:22:13,800 --> 00:22:16,760
Speaker 2: as a blogger. And so here we are, like eight

439
00:22:16,840 --> 00:22:20,360
Speaker 2: years later. You know, I started monetizing the blog maybe

440
00:22:20,400 --> 00:22:23,480
Speaker 2: two years after I started it, because those two years

441
00:22:23,520 --> 00:22:26,639
Speaker 2: were basically a huge learning curve where I was starting

442
00:22:26,680 --> 00:22:28,760
Speaker 2: to understand, like how you actually monetize a brand that

443
00:22:28,760 --> 00:22:32,280
Speaker 2: you create online. And eight years later, the blog is

444
00:22:32,280 --> 00:22:35,639
Speaker 2: earning anywhere from ten to fifteen thousand dollars a month

445
00:22:35,800 --> 00:22:40,680
Speaker 2: in passive income from ads from traffic that is coming

446
00:22:40,680 --> 00:22:43,560
Speaker 2: to my website. I reach about four million visitors a year.

447
00:22:43,560 --> 00:22:46,639
Speaker 2: And now with my website, whoa and I could attest

448
00:22:46,680 --> 00:22:46,879
Speaker 2: to that.

449
00:22:46,920 --> 00:22:49,480
Speaker 1: I mean, your recipes is probably the ones one of

450
00:22:49,480 --> 00:22:52,280
Speaker 1: the ones that I find because I'm always googling, you know,

451
00:22:52,400 --> 00:22:54,760
Speaker 1: and it's like, who can has cookbooks anymore? You just

452
00:22:54,800 --> 00:22:58,560
Speaker 1: google right, Like I google random ingredients in my pantry

453
00:22:58,600 --> 00:23:01,160
Speaker 1: to see if anyone has a rest that includes them

454
00:23:01,160 --> 00:23:03,400
Speaker 1: that I can make for dinner as my favorite thing.

455
00:23:03,800 --> 00:23:07,920
Speaker 1: And SEO search engine optimization, which is just the way of,

456
00:23:08,200 --> 00:23:10,880
Speaker 1: you know, making sure that the content on your website

457
00:23:10,880 --> 00:23:13,520
Speaker 1: shows up first when people like me are trying to

458
00:23:13,560 --> 00:23:16,840
Speaker 1: google their way to solutions. That is so important. And

459
00:23:17,359 --> 00:23:19,119
Speaker 1: I know you said over eight years, you know, you've

460
00:23:19,119 --> 00:23:20,960
Speaker 1: gotten to ten to fifteen K a month and four

461
00:23:20,960 --> 00:23:24,640
Speaker 1: million viewers, which is phenomenal. How long did it take

462
00:23:24,680 --> 00:23:26,919
Speaker 1: before you started to feel like you were, you know,

463
00:23:27,000 --> 00:23:30,440
Speaker 1: really making an impact and starting to see returns on

464
00:23:31,000 --> 00:23:33,359
Speaker 1: you know, the investment you made in the in the website.

465
00:23:34,040 --> 00:23:39,320
Speaker 2: Yeah, so I started seeing monetary compensation from the blog.

466
00:23:39,359 --> 00:23:42,080
Speaker 2: In twenty sixteen, I made twenty three hundred dollars a year,

467
00:23:42,119 --> 00:23:44,359
Speaker 2: and for me that was like, oh my god, Like,

468
00:23:44,440 --> 00:23:46,239
Speaker 2: this is twenty three hundred dollars that I didn't have

469
00:23:46,280 --> 00:23:48,960
Speaker 2: to like slave away at my job for so after

470
00:23:49,040 --> 00:23:52,159
Speaker 2: that it just kind of started snowballing. Like I feel like,

471
00:23:52,280 --> 00:23:55,320
Speaker 2: as you continue to refine your skills, the money just

472
00:23:55,359 --> 00:23:57,960
Speaker 2: starts to roll in. And I saw that happening. In

473
00:23:58,000 --> 00:24:00,840
Speaker 2: twenty seventeen, I made my first I figure years, so

474
00:24:00,880 --> 00:24:04,119
Speaker 2: I made ten thousand dollars. Twenty eighteen I made around

475
00:24:04,119 --> 00:24:07,520
Speaker 2: twenty six thousand dollars, and then twenty nineteen was forty

476
00:24:07,560 --> 00:24:09,760
Speaker 2: six thousand dollars, and I was just like, hold on

477
00:24:09,800 --> 00:24:13,120
Speaker 2: a second, if this keeps going, at some point, I'm

478
00:24:13,119 --> 00:24:14,840
Speaker 2: going to get to the point where I can actually

479
00:24:14,920 --> 00:24:18,720
Speaker 2: use this blog to quit my job. And last year

480
00:24:18,920 --> 00:24:21,680
Speaker 2: made about seventy six thousand dollars. And here we are

481
00:24:21,720 --> 00:24:25,560
Speaker 2: halfway into twenty twenty one and I've made sixty seven

482
00:24:25,600 --> 00:24:28,760
Speaker 2: thousand dollars. So if we keep on this train, this

483
00:24:28,840 --> 00:24:31,120
Speaker 2: is going to be my first six figure year as

484
00:24:31,240 --> 00:24:34,080
Speaker 2: a blogger, like separate from the podcast and all of

485
00:24:34,080 --> 00:24:36,360
Speaker 2: the things that I do as part of those ten

486
00:24:36,400 --> 00:24:37,679
Speaker 2: income streams that you mentioned.

487
00:24:38,600 --> 00:24:42,080
Speaker 1: Wow, and you still so you've you've probably applied those

488
00:24:42,119 --> 00:24:46,920
Speaker 1: same you know, your learnings from Delish Delights to Joketa Dinero,

489
00:24:47,000 --> 00:24:49,000
Speaker 1: But how much how do you split your time now?

490
00:24:49,080 --> 00:24:50,679
Speaker 1: Between those two different brands.

491
00:24:51,160 --> 00:24:53,640
Speaker 2: Yeah, so my food blog is absolutely one hundred percent

492
00:24:53,720 --> 00:24:56,200
Speaker 2: passive at this point. I haven't actively blogged on it

493
00:24:56,280 --> 00:25:00,880
Speaker 2: since I don't know, the beginning of twenty nineteen at

494
00:25:00,880 --> 00:25:03,440
Speaker 2: this point, so yeah, it's been pretty much like two

495
00:25:03,520 --> 00:25:06,720
Speaker 2: years since I've put stuff on the website. But the

496
00:25:06,720 --> 00:25:10,600
Speaker 2: beauty of search engine optimization and evergreen content, which is

497
00:25:10,600 --> 00:25:13,119
Speaker 2: just content that never goes out of style, is that

498
00:25:13,160 --> 00:25:15,919
Speaker 2: people will always be looking for food, and for me,

499
00:25:16,160 --> 00:25:19,360
Speaker 2: as a Puerto Rican food blogger, there's not a lot

500
00:25:19,400 --> 00:25:22,960
Speaker 2: of us. So when people want to make traditional food

501
00:25:23,040 --> 00:25:26,240
Speaker 2: from the culture, they are going to find my website.

502
00:25:26,240 --> 00:25:28,199
Speaker 2: And that's just kind of how it works. Once you

503
00:25:28,240 --> 00:25:31,359
Speaker 2: create content that people will search for, whether it's winter, spring, summer,

504
00:25:31,400 --> 00:25:34,440
Speaker 2: or fall, that's when you start getting that level of consistency.

505
00:25:34,520 --> 00:25:36,280
Speaker 2: So I don't have to do anything with the blog

506
00:25:36,320 --> 00:25:38,080
Speaker 2: at this point. I can dedicate all of my time

507
00:25:38,119 --> 00:25:40,439
Speaker 2: to my personal finance brand, which is what I've been

508
00:25:40,480 --> 00:25:43,280
Speaker 2: doing since the beginning of twenty twenty. And you know,

509
00:25:43,440 --> 00:25:46,320
Speaker 2: the blog pays the bills and that's how I cut

510
00:25:46,359 --> 00:25:48,199
Speaker 2: myself a check, and then I can work on all

511
00:25:48,240 --> 00:25:50,760
Speaker 2: the creative stuff that has to do with Joqaro Dineto

512
00:25:51,040 --> 00:25:53,560
Speaker 2: without the pressure of like having to make that profitable

513
00:25:53,600 --> 00:25:54,080
Speaker 2: right away.

514
00:25:55,080 --> 00:25:57,400
Speaker 1: That's amazing. And hey, you can still make money from

515
00:25:57,400 --> 00:26:00,840
Speaker 1: blogging in twenty twenty one apparently, which yep, maybe breaking

516
00:26:00,880 --> 00:26:02,960
Speaker 1: news for some people who think, oh no, now I

517
00:26:03,000 --> 00:26:07,280
Speaker 1: gotta have a podcast or TikTok or whatever. Okay, Yokia Dinero.

518
00:26:07,400 --> 00:26:10,480
Speaker 1: And also you've recently quit your job right to go

519
00:26:10,560 --> 00:26:14,240
Speaker 1: full time with both well, Yokido Dinero first and foremost,

520
00:26:14,359 --> 00:26:17,399
Speaker 1: talk to me about that. When did you realize I

521
00:26:17,880 --> 00:26:20,240
Speaker 1: am doing well enough from this brand I can quit

522
00:26:20,280 --> 00:26:20,680
Speaker 1: my job.

523
00:26:21,240 --> 00:26:24,320
Speaker 2: Yeah. I think twenty twenty was like such a transformative

524
00:26:24,359 --> 00:26:26,600
Speaker 2: year for so many of us, and for me, there's

525
00:26:26,640 --> 00:26:29,080
Speaker 2: no exception. Twenty twenty was the first year that with

526
00:26:29,200 --> 00:26:32,760
Speaker 2: side hustles, I earn over one hundred thousand dollars, and

527
00:26:32,800 --> 00:26:36,000
Speaker 2: that to me was just like, never had I imagined

528
00:26:36,000 --> 00:26:38,760
Speaker 2: that I could actually like match the amount of money

529
00:26:38,800 --> 00:26:41,040
Speaker 2: that I was making in a corporate job with all

530
00:26:41,080 --> 00:26:43,600
Speaker 2: of these income streams that I had created. So at

531
00:26:43,640 --> 00:26:45,879
Speaker 2: the end of last year, I was like, this is

532
00:26:45,960 --> 00:26:48,359
Speaker 2: gonna be the year, Like, twenty twenty one has to

533
00:26:48,400 --> 00:26:51,560
Speaker 2: be the year because if you you know, the data

534
00:26:51,600 --> 00:26:53,840
Speaker 2: suggests that you will make more money in twenty twenty

535
00:26:53,840 --> 00:26:56,280
Speaker 2: one as song as you keep on this train. And

536
00:26:56,320 --> 00:26:58,960
Speaker 2: that's exactly what happened. Like the first three months of

537
00:27:00,000 --> 00:27:04,240
Speaker 2: twenty twenty one, I had made over fifty thousand dollars

538
00:27:04,280 --> 00:27:06,080
Speaker 2: and I was just like, I didn't even make fifty

539
00:27:06,080 --> 00:27:08,439
Speaker 2: thousand dollars and three months at my corporate job, so like,

540
00:27:08,480 --> 00:27:11,480
Speaker 2: what the hell am I still doing here? And then

541
00:27:11,880 --> 00:27:14,159
Speaker 2: that set me down, you know, the rabbit hole of

542
00:27:14,200 --> 00:27:17,840
Speaker 2: like are you sure, like is this actually gonna work?

543
00:27:17,960 --> 00:27:21,239
Speaker 2: Can you actually replicate this and and really make this

544
00:27:21,400 --> 00:27:24,359
Speaker 2: like the way that you earn a living. So of course,

545
00:27:24,400 --> 00:27:26,760
Speaker 2: you know, the scarcity mindset and the imposter syndrome starts

546
00:27:26,760 --> 00:27:29,800
Speaker 2: showing up and it's just like girl, relax. But I

547
00:27:29,840 --> 00:27:33,040
Speaker 2: had so many people around me that were just like, Sis,

548
00:27:33,359 --> 00:27:37,119
Speaker 2: it's time, Like it's been time. And then I just

549
00:27:37,160 --> 00:27:40,160
Speaker 2: got to the point where, you know, I was actually

550
00:27:40,600 --> 00:27:43,440
Speaker 2: making more money than I was at my corporate job.

551
00:27:43,480 --> 00:27:45,040
Speaker 2: So at that point it was just kind of like, look,

552
00:27:45,080 --> 00:27:48,639
Speaker 2: the argument is not to be had because you know

553
00:27:48,680 --> 00:27:51,199
Speaker 2: what you need to do and things like benefits like

554
00:27:51,240 --> 00:27:53,600
Speaker 2: you can take care of yourself as a business owner.

555
00:27:53,640 --> 00:27:55,680
Speaker 2: With that, you can set up your own retirement plan.

556
00:27:55,720 --> 00:27:59,159
Speaker 2: You can get health insurance through your husband, create the

557
00:27:59,240 --> 00:28:02,440
Speaker 2: exit plan, stop making excuses and do the damn thing.

558
00:28:02,560 --> 00:28:05,840
Speaker 2: And so in May, May twenty seventh, to be exact,

559
00:28:06,000 --> 00:28:08,880
Speaker 2: was my last day as a corporate employee and hopefully

560
00:28:09,040 --> 00:28:11,480
Speaker 2: my last day ever as a corporate employee.

561
00:28:11,840 --> 00:28:14,600
Speaker 1: Twenty seven is my favorite number, So I feel it much.

562
00:28:14,720 --> 00:28:18,680
Speaker 1: I feel so much serendipity right now. With that being her, Well,

563
00:28:18,760 --> 00:28:20,680
Speaker 1: can we just do a quick shout out to all

564
00:28:20,720 --> 00:28:24,879
Speaker 1: the husbies helping by contributing their health insurance benefit and

565
00:28:24,920 --> 00:28:28,320
Speaker 1: their nine to five benefits to their partners who are

566
00:28:28,320 --> 00:28:30,600
Speaker 1: out there living this solopreneur life. We could not do

567
00:28:30,640 --> 00:28:32,359
Speaker 1: it without you, or if we know, we could, but

568
00:28:32,400 --> 00:28:36,879
Speaker 1: we'd be paying thousands of dollars in Obamacare every month, right,

569
00:28:36,960 --> 00:28:38,480
Speaker 1: So shout out to him. What's his name?

570
00:28:38,840 --> 00:28:39,200
Speaker 2: David?

571
00:28:39,560 --> 00:28:42,680
Speaker 1: David? Okay? Is he also shy about being a part

572
00:28:42,720 --> 00:28:44,560
Speaker 1: of any of your stuff online?

573
00:28:44,880 --> 00:28:47,280
Speaker 2: Yes? And it's also because he's a DJ, so he

574
00:28:47,320 --> 00:28:49,680
Speaker 2: has like his own internet persona. So we don't want

575
00:28:49,720 --> 00:28:51,920
Speaker 2: to commingle these things as it could just get wild.

576
00:28:53,280 --> 00:28:56,959
Speaker 1: Wait, I see a lot of synergy here. Actually, I

577
00:28:57,000 --> 00:28:59,400
Speaker 1: see a big future. He needs like a de Naro

578
00:28:59,720 --> 00:29:05,000
Speaker 1: theme set list. Yeah, and then the money is raining down? Okay, anyway,

579
00:29:05,160 --> 00:29:07,520
Speaker 1: all right, well, I want to take a quick break

580
00:29:07,560 --> 00:29:09,720
Speaker 1: and we're going to come back because instead of doing

581
00:29:09,800 --> 00:29:11,719
Speaker 1: the Q and A segment today, I just made an

582
00:29:11,760 --> 00:29:14,680
Speaker 1: executive decision because I am my own boss that I

583
00:29:14,720 --> 00:29:17,080
Speaker 1: am going to Q and A Janie about how she

584
00:29:17,200 --> 00:29:21,160
Speaker 1: has ten ten different income streams. So stick with us.

585
00:29:21,240 --> 00:29:57,480
Speaker 1: We'll be right back. Okay, Denise, you have to tell

586
00:29:57,520 --> 00:30:02,880
Speaker 1: me about ten income streams? Where does one begin? And like,

587
00:30:03,080 --> 00:30:04,960
Speaker 1: where does one end? Because if you can have ten,

588
00:30:05,000 --> 00:30:06,280
Speaker 1: why not twenty? Why not thirty?

589
00:30:06,520 --> 00:30:07,280
Speaker 2: How do you keep? Well?

590
00:30:07,280 --> 00:30:10,520
Speaker 1: Okay, I have lots of questions, but start, let's go

591
00:30:10,600 --> 00:30:13,440
Speaker 1: dow the list. You know, from most lucrative to least.

592
00:30:13,560 --> 00:30:15,880
Speaker 1: What are your income streams?

593
00:30:16,360 --> 00:30:18,840
Speaker 2: Okay? So I had to write these down because I'm like,

594
00:30:18,920 --> 00:30:21,120
Speaker 2: let me make sure I don't forget them. So. I

595
00:30:21,160 --> 00:30:26,720
Speaker 2: have affiliate marketing, I do influencer marketing, I do virtual workshops,

596
00:30:27,120 --> 00:30:34,000
Speaker 2: speaking engagements for corporations and nonprofits, freelance writing, podcast, ads, blog, ads,

597
00:30:34,720 --> 00:30:39,200
Speaker 2: digital course, and my digital downloads. And I also invest

598
00:30:39,240 --> 00:30:42,120
Speaker 2: in stocks, so passive income through stock market investing.

599
00:30:42,480 --> 00:30:45,240
Speaker 1: Yes, let's not forget that stocks make money, which is

600
00:30:45,280 --> 00:30:48,920
Speaker 1: also a form of our income, right, especially if they're

601
00:30:48,920 --> 00:30:51,680
Speaker 1: paying dividends. Okay, blog ads, so we went over that.

602
00:30:51,800 --> 00:30:54,760
Speaker 1: So is your Delisious Delight still the bigger site in

603
00:30:54,840 --> 00:30:56,160
Speaker 1: terms of blog ad revenue?

604
00:30:56,680 --> 00:30:59,240
Speaker 2: Yes? Absolutely, it is the bread and butter of this

605
00:30:59,320 --> 00:31:00,000
Speaker 2: whole organize.

606
00:31:00,760 --> 00:31:03,200
Speaker 1: Okay. Is it more difficult when it comes to like

607
00:31:03,240 --> 00:31:06,800
Speaker 1: personal finance sites to rank and to start building that

608
00:31:06,840 --> 00:31:09,280
Speaker 1: blog revenue or is it just because it's the younger

609
00:31:09,320 --> 00:31:11,280
Speaker 1: brand it's.

610
00:31:11,160 --> 00:31:14,600
Speaker 2: A combination of the two. Obviously, websites like nerd wallet

611
00:31:14,600 --> 00:31:17,240
Speaker 2: and vestipedia, like they're all going to get that Google

612
00:31:17,840 --> 00:31:21,560
Speaker 2: you know boost if you will. But there is more

613
00:31:21,640 --> 00:31:25,760
Speaker 2: and more of an appetite for personal finance content that

614
00:31:25,920 --> 00:31:29,240
Speaker 2: is just not the generic, you know stuff that you

615
00:31:29,240 --> 00:31:31,840
Speaker 2: can get anywhere. So I find that the stuff that

616
00:31:31,880 --> 00:31:35,560
Speaker 2: really resonates with people on Jokiyo Nero and the blog

617
00:31:35,760 --> 00:31:39,080
Speaker 2: is the stories, right, the stories that we share around,

618
00:31:39,120 --> 00:31:41,680
Speaker 2: like why you should have an emergency and fund for

619
00:31:41,800 --> 00:31:44,239
Speaker 2: your family, Like these are things that not a lot

620
00:31:44,280 --> 00:31:46,840
Speaker 2: of personal finance brands talk about. But there's a lot

621
00:31:46,880 --> 00:31:48,560
Speaker 2: of nuance to what it is to be a person

622
00:31:48,600 --> 00:31:53,360
Speaker 2: of color in personal finance So those types of topics

623
00:31:53,400 --> 00:31:56,680
Speaker 2: really do tend to resonate with people more and a

624
00:31:56,720 --> 00:32:00,440
Speaker 2: lot some of these income streams you mentioned, so affiliate marketing,

625
00:32:00,520 --> 00:32:05,320
Speaker 2: influencer marketing, those and I'm assuming you know downloads to

626
00:32:05,360 --> 00:32:08,520
Speaker 2: your podcast those can be income streams as well, but

627
00:32:08,560 --> 00:32:11,120
Speaker 2: they very much depend on like the size of your audience.

628
00:32:11,160 --> 00:32:13,280
Speaker 2: So it's kind of like a chicken in the egg thing,

629
00:32:13,320 --> 00:32:16,040
Speaker 2: you know. Do you build your audience, you know, on

630
00:32:16,080 --> 00:32:18,400
Speaker 2: social media and through your podcast first and then pursue

631
00:32:18,440 --> 00:32:20,560
Speaker 2: those relationships or do you pursue them first?

632
00:32:20,600 --> 00:32:22,160
Speaker 1: How did how did that all work? How did you

633
00:32:22,200 --> 00:32:22,840
Speaker 1: put those together?

634
00:32:23,600 --> 00:32:26,640
Speaker 2: Yeah? So for me, I never actually create a business

635
00:32:26,680 --> 00:32:29,200
Speaker 2: with the plan of monetizing. It kind of just happens.

636
00:32:29,320 --> 00:32:31,680
Speaker 2: So when I started Yokyo Dino, it was literally just

637
00:32:31,680 --> 00:32:33,440
Speaker 2: like I needed to create an outlet and I wanted

638
00:32:33,480 --> 00:32:37,120
Speaker 2: to meet people and tell stories that resonated with folks

639
00:32:37,160 --> 00:32:40,400
Speaker 2: who wanted to learn about money. As the podcast grew,

640
00:32:40,440 --> 00:32:42,400
Speaker 2: and this is all organic, right, Like I don't have

641
00:32:42,480 --> 00:32:45,080
Speaker 2: a PR person, I don't have like a machine behind me.

642
00:32:45,760 --> 00:32:49,440
Speaker 2: As the brand grew, I started getting offers to do

643
00:32:49,640 --> 00:32:52,560
Speaker 2: things like you know, brand partnerships. I started getting reached

644
00:32:52,560 --> 00:32:56,000
Speaker 2: out to buy affiliates, and then I started being asked

645
00:32:56,040 --> 00:32:58,840
Speaker 2: to do speaking engagements and freelance writing. Like all of

646
00:32:58,880 --> 00:33:01,640
Speaker 2: these things have just kind of shown up as I

647
00:33:01,720 --> 00:33:06,160
Speaker 2: have just been consistent and clear on my messaging. So

648
00:33:06,320 --> 00:33:09,000
Speaker 2: for anybody who wants to build a new brand, like

649
00:33:09,120 --> 00:33:11,440
Speaker 2: know that it's going to take time. I think the

650
00:33:11,560 --> 00:33:14,480
Speaker 2: messaging that you have around your brand is like so important,

651
00:33:14,520 --> 00:33:17,680
Speaker 2: like what are you about? Who do you serve? And

652
00:33:17,760 --> 00:33:20,280
Speaker 2: like what is your story? What makes you unique? Once

653
00:33:20,320 --> 00:33:23,080
Speaker 2: I started living into those principles, things started to grow

654
00:33:23,280 --> 00:33:24,760
Speaker 2: and the opportunity started to come.

655
00:33:25,680 --> 00:33:28,240
Speaker 1: It seems like you've really leaned into your niche, like

656
00:33:28,880 --> 00:33:31,760
Speaker 1: the fact that you come from a certain community, and

657
00:33:31,880 --> 00:33:33,640
Speaker 1: you know, like your food blog, for example, you said

658
00:33:33,640 --> 00:33:38,280
Speaker 1: it's Puerto Rican Recipes, and you really I think back

659
00:33:38,320 --> 00:33:40,160
Speaker 1: to those early days with Brown Ambition and when we

660
00:33:40,200 --> 00:33:42,040
Speaker 1: came up with a name and someone sort of said,

661
00:33:42,360 --> 00:33:44,800
Speaker 1: you know, are you worried about alienating some of your

662
00:33:44,840 --> 00:33:48,200
Speaker 1: audience potential audience by having Brown in the title? And

663
00:33:48,520 --> 00:33:52,160
Speaker 1: the answer was, nah, it's not fun, that's the point.

664
00:33:53,480 --> 00:33:56,440
Speaker 1: And it feels like, you know, as a business person,

665
00:33:56,640 --> 00:33:59,000
Speaker 1: I think typically it's like, oh, you should try to

666
00:33:59,040 --> 00:34:02,040
Speaker 1: reach everyone so that you can maximize your profits. But

667
00:34:02,640 --> 00:34:05,720
Speaker 1: it's true, once you lean into your specific identity, it's

668
00:34:06,000 --> 00:34:10,040
Speaker 1: almost like that is empowering in and of itself. What's

669
00:34:10,080 --> 00:34:13,359
Speaker 1: been your experience with that, Yeah, I totally agree with you.

670
00:34:13,600 --> 00:34:16,799
Speaker 1: When I first was thinking about the podcast, I definitely

671
00:34:17,360 --> 00:34:20,319
Speaker 1: had this like identity crisis for a little while where

672
00:34:20,360 --> 00:34:21,120
Speaker 1: I'm just like, how am.

673
00:34:21,000 --> 00:34:23,239
Speaker 2: I going to show up in this space? And I

674
00:34:23,280 --> 00:34:24,960
Speaker 2: think some of that comes from the fact that, like,

675
00:34:25,000 --> 00:34:27,200
Speaker 2: as women of color, we often have to code switch

676
00:34:27,320 --> 00:34:30,879
Speaker 2: right and just like be quote unquote palatable and presentable

677
00:34:31,239 --> 00:34:33,640
Speaker 2: and how we talk about stuff, and that just felt

678
00:34:33,760 --> 00:34:36,440
Speaker 2: very inauthentic to me. When I started the podcast, I'm like,

679
00:34:36,440 --> 00:34:38,520
Speaker 2: I don't want to come on here and like talk

680
00:34:38,600 --> 00:34:40,920
Speaker 2: like some like old white dude about money, because like

681
00:34:40,960 --> 00:34:43,440
Speaker 2: that's not me, That's not who I would want to

682
00:34:43,480 --> 00:34:46,359
Speaker 2: listen to this podcast. So how would a Jersey girl,

683
00:34:46,400 --> 00:34:49,279
Speaker 2: Puerto Rican Jersey girl who like loves the F word, Like,

684
00:34:49,320 --> 00:34:51,719
Speaker 2: how would I talk about money? And then when I

685
00:34:51,760 --> 00:34:55,360
Speaker 2: started doing that, that's when people started to be like, oh,

686
00:34:55,719 --> 00:34:58,880
Speaker 2: so we are actually allowed to have these conversations, and

687
00:34:58,920 --> 00:35:01,520
Speaker 2: we can have them in a way that funny and

688
00:35:01,560 --> 00:35:06,680
Speaker 2: relatable and you know, identifiable with our own experience. That

689
00:35:06,880 --> 00:35:09,239
Speaker 2: is what people want, Like we have enough of like

690
00:35:09,680 --> 00:35:12,120
Speaker 2: the Dave Ramsey's of the world. You know what I'm saying,

691
00:35:12,160 --> 00:35:14,800
Speaker 2: Like I want to hear about women of colors smashing

692
00:35:14,840 --> 00:35:18,160
Speaker 2: their goals with money, like starting businesses, building wealth, doing

693
00:35:18,200 --> 00:35:20,480
Speaker 2: all the cool shit. And I don't want it to

694
00:35:20,520 --> 00:35:23,719
Speaker 2: be like packaged in some nice little like Abercrombie and

695
00:35:23,760 --> 00:35:27,799
Speaker 2: Fitch package. That's not what I want. So that's not

696
00:35:27,840 --> 00:35:28,800
Speaker 2: what I wanted to create.

697
00:35:29,760 --> 00:35:32,000
Speaker 1: Okay. I love that, and that probably explains why people

698
00:35:32,000 --> 00:35:34,720
Speaker 1: were reaching out to you because and I think brands today,

699
00:35:35,160 --> 00:35:37,799
Speaker 1: we never got so much interest in me personally. I

700
00:35:37,880 --> 00:35:41,600
Speaker 1: just launched my own soloperneur career in late April, that's

701
00:35:41,600 --> 00:35:46,600
Speaker 1: by the way. But I part of me was like, dang,

702
00:35:46,640 --> 00:35:49,720
Speaker 1: I why did not do this earlier? Because the opportunities

703
00:35:49,760 --> 00:35:51,680
Speaker 1: were always there. But it was like when I put

704
00:35:51,719 --> 00:35:54,960
Speaker 1: my flag in the ground and said I'm here, people

705
00:35:55,000 --> 00:35:57,480
Speaker 1: started to reach out. And it's like a lot of

706
00:35:57,560 --> 00:36:02,200
Speaker 1: brands are craving and scrammed desperately to prove that they're

707
00:36:02,239 --> 00:36:05,839
Speaker 1: the woke and inclusive brands and they want to diversify

708
00:36:06,160 --> 00:36:08,520
Speaker 1: in their voices that they have, so they're looking for us.

709
00:36:08,960 --> 00:36:11,399
Speaker 1: They need more Genese's more Mandis, and there's not enough

710
00:36:11,440 --> 00:36:13,239
Speaker 1: of us. So even if you're listening and you think,

711
00:36:13,280 --> 00:36:16,600
Speaker 1: oh Genie's got that, Mandy's got that, there's more space people.

712
00:36:17,000 --> 00:36:19,239
Speaker 1: There's more space out here, and there's more interest and

713
00:36:19,280 --> 00:36:21,200
Speaker 1: appetite for it. So that's all really exciting.

714
00:36:21,640 --> 00:36:23,960
Speaker 2: There's really not as many of us doing this as

715
00:36:24,000 --> 00:36:26,200
Speaker 2: you would think, okay, And I think a lot of

716
00:36:26,200 --> 00:36:28,440
Speaker 2: people would think that because you know, especially if you're

717
00:36:28,440 --> 00:36:30,800
Speaker 2: in the personal finance space and you're following all these people,

718
00:36:31,080 --> 00:36:33,600
Speaker 2: you might think like, wow, I know, like twenty Latinas

719
00:36:33,640 --> 00:36:35,920
Speaker 2: that are talking about money, Okay, But when you compare

720
00:36:35,960 --> 00:36:39,480
Speaker 2: that to like the hundreds of white authors that there

721
00:36:39,480 --> 00:36:41,919
Speaker 2: are for personal finance books, and like who's on TV,

722
00:36:42,040 --> 00:36:45,040
Speaker 2: who's on CNBC, who has their own shows about money,

723
00:36:45,080 --> 00:36:48,680
Speaker 2: it's not us. So the work has yet to be done.

724
00:36:49,320 --> 00:36:50,560
Speaker 2: We're just starting.

725
00:36:50,640 --> 00:36:55,200
Speaker 1: Absolutely absolutely Okay. Income stream, so we talked about blog ads,

726
00:36:56,080 --> 00:37:00,520
Speaker 1: affiliate and influencer marketing, speaking, freelance writing. You're down loads

727
00:37:00,680 --> 00:37:03,680
Speaker 1: digital courses, okay, Denise, I have a confession to make.

728
00:37:05,480 --> 00:37:07,200
Speaker 1: I really don't feel like making a course, but I

729
00:37:07,239 --> 00:37:09,160
Speaker 1: feel like I'm going to have to what is it

730
00:37:09,200 --> 00:37:13,240
Speaker 1: about people are really buying these courses? So talk about

731
00:37:13,320 --> 00:37:16,040
Speaker 1: your your journey to building your course. You have probably

732
00:37:16,120 --> 00:37:19,440
Speaker 1: multiple courses, what all goes into it, and what's the

733
00:37:19,480 --> 00:37:23,160
Speaker 1: benefit for someone looking to like take advantage of them?

734
00:37:23,880 --> 00:37:26,560
Speaker 2: Yeah, okay, so I'm so glad you asked, because digital

735
00:37:26,600 --> 00:37:30,080
Speaker 2: courses for me are like what blogging was maybe like

736
00:37:30,120 --> 00:37:32,880
Speaker 2: ten years ago, which was like everybody was starting a blog,

737
00:37:33,280 --> 00:37:35,319
Speaker 2: right and like that's how you're going to get rich.

738
00:37:35,880 --> 00:37:38,800
Speaker 2: Now it's the same thing, but with digital courses why

739
00:37:38,880 --> 00:37:41,400
Speaker 2: Because people want to learn. People want like skills that

740
00:37:41,400 --> 00:37:43,920
Speaker 2: they're not learning in school, like how to manage your money.

741
00:37:43,920 --> 00:37:45,719
Speaker 2: They want to learn how to invest, they want to

742
00:37:45,800 --> 00:37:47,640
Speaker 2: learn how to start businesses, like all the shit that

743
00:37:47,719 --> 00:37:49,960
Speaker 2: like we should know how to do, but nobody's teaching us.

744
00:37:50,120 --> 00:37:51,600
Speaker 2: They want to learn, and they want to learn from

745
00:37:51,640 --> 00:37:55,640
Speaker 2: people that they can relate to. So the digital education

746
00:37:55,760 --> 00:37:59,960
Speaker 2: space I think is like such an untapped like frontier

747
00:38:00,200 --> 00:38:04,520
Speaker 2: for making money as a content creator, and I think

748
00:38:04,560 --> 00:38:08,799
Speaker 2: there's a lot of like what's the word, There's a

749
00:38:08,800 --> 00:38:11,520
Speaker 2: lot of hesitation and a lot of angst that people

750
00:38:11,560 --> 00:38:13,799
Speaker 2: get when they think about like who the hell am

751
00:38:13,840 --> 00:38:15,600
Speaker 2: I to be teaching people anything?

752
00:38:15,760 --> 00:38:15,960
Speaker 1: Right?

753
00:38:16,840 --> 00:38:20,360
Speaker 2: And I think that ties back to this imposter syndrome

754
00:38:20,400 --> 00:38:22,440
Speaker 2: that we all love to hang out with, just this

755
00:38:22,520 --> 00:38:24,239
Speaker 2: idea that like there's no way people would pay to

756
00:38:24,360 --> 00:38:27,080
Speaker 2: learn anything from me. It's a lie, y'all. Like, let's

757
00:38:27,120 --> 00:38:29,719
Speaker 2: scrap that. When you actually decide that you want to

758
00:38:29,800 --> 00:38:32,600
Speaker 2: start a course, it can feel super overwhelming, right, like

759
00:38:32,640 --> 00:38:34,560
Speaker 2: what platform are you going to use, how are you

760
00:38:34,600 --> 00:38:38,040
Speaker 2: going to teach? What is your what is your end goal?

761
00:38:38,120 --> 00:38:39,520
Speaker 2: Like what do you want people to come away with

762
00:38:39,560 --> 00:38:43,000
Speaker 2: when interacting with you? I think if you're thinking about

763
00:38:43,000 --> 00:38:45,080
Speaker 2: starting a course and that whole thing like just feel

764
00:38:45,120 --> 00:38:48,360
Speaker 2: super overwhelming. Start with like one on one coaching. And

765
00:38:48,400 --> 00:38:51,000
Speaker 2: why do I say this? I started as a one

766
00:38:51,040 --> 00:38:53,560
Speaker 2: on one side hustle coach, So I wanted to literally

767
00:38:53,600 --> 00:38:55,400
Speaker 2: like take people from the point where they didn't even

768
00:38:55,440 --> 00:38:56,960
Speaker 2: know what the hell they wanted their side hustle to

769
00:38:57,040 --> 00:39:00,160
Speaker 2: be to actually launching it and like showing them how

770
00:39:00,200 --> 00:39:02,680
Speaker 2: to you social media, how to market yourself, like how

771
00:39:02,680 --> 00:39:04,920
Speaker 2: to build your brand, how to monetize all these things.

772
00:39:05,360 --> 00:39:07,680
Speaker 2: And I did that for a couple of months so

773
00:39:07,719 --> 00:39:10,280
Speaker 2: that I could start getting what are those common questions

774
00:39:10,280 --> 00:39:12,760
Speaker 2: that people have coming up, like what are the common issues?

775
00:39:13,320 --> 00:39:15,520
Speaker 2: What are the things that people want to know? And

776
00:39:15,560 --> 00:39:17,960
Speaker 2: then when I had the amount of information that I

777
00:39:17,960 --> 00:39:20,759
Speaker 2: felt like I could build a framework around this, that's

778
00:39:20,800 --> 00:39:24,040
Speaker 2: when I actually created my side Hustle course. And so

779
00:39:24,160 --> 00:39:26,600
Speaker 2: now I have an eight week program that teaches people

780
00:39:27,080 --> 00:39:29,239
Speaker 2: not only like how to build a side hustle, but

781
00:39:29,320 --> 00:39:31,120
Speaker 2: even if you don't even have the idea for the

782
00:39:31,120 --> 00:39:32,799
Speaker 2: side hustle, like we're going to get you from A

783
00:39:33,360 --> 00:39:36,960
Speaker 2: to Z, you know. And another option too is like

784
00:39:37,440 --> 00:39:40,080
Speaker 2: for my speaking engagements, I will do like one off

785
00:39:40,120 --> 00:39:42,960
Speaker 2: workshops about you know, how to open an IRA or

786
00:39:43,000 --> 00:39:45,680
Speaker 2: things like that, and then I'll turn those workshops, I'll

787
00:39:45,719 --> 00:39:47,960
Speaker 2: download the recordings and I'll turn them into like a

788
00:39:48,000 --> 00:39:51,120
Speaker 2: self driven little video mini course that you can buy

789
00:39:51,160 --> 00:39:53,640
Speaker 2: and download and watch on your own time. So there's

790
00:39:53,680 --> 00:39:56,120
Speaker 2: a lot of different options, y'all. I think it's just

791
00:39:56,320 --> 00:39:58,520
Speaker 2: the important thing is to start learning, like what your

792
00:39:58,520 --> 00:40:01,040
Speaker 2: audience wants from you and how you can teach them that.

793
00:40:02,080 --> 00:40:05,080
Speaker 1: And what is the first question you mentioned about courses

794
00:40:05,160 --> 00:40:07,319
Speaker 1: is the platform. So if someone's wanting to launch their

795
00:40:07,360 --> 00:40:09,520
Speaker 1: own course today, what are some of the what did

796
00:40:09,520 --> 00:40:11,640
Speaker 1: you learn? What kind of free advice, can you give

797
00:40:11,719 --> 00:40:14,319
Speaker 1: us on the dos and donts of building a course

798
00:40:14,320 --> 00:40:15,440
Speaker 1: and choosing a platform.

799
00:40:15,760 --> 00:40:17,880
Speaker 2: Yeah, so every platform is going to be different, and

800
00:40:17,920 --> 00:40:20,600
Speaker 2: I think it's a matter of you, first off, deciding

801
00:40:20,640 --> 00:40:23,719
Speaker 2: your budget because every platform has a different cost, and

802
00:40:24,160 --> 00:40:26,239
Speaker 2: some of them are well more well known than others.

803
00:40:26,280 --> 00:40:29,000
Speaker 2: Some of them have functionalities that the others don't. So

804
00:40:29,120 --> 00:40:33,200
Speaker 2: do research into websites like Kajabi and Teachable and Podia

805
00:40:33,520 --> 00:40:35,560
Speaker 2: and whatever else there are, because there's a million of

806
00:40:35,600 --> 00:40:38,840
Speaker 2: them out there. I started with the cheapest option with

807
00:40:38,880 --> 00:40:41,319
Speaker 2: Podia because it was like thirty nine bucks a month.

808
00:40:41,360 --> 00:40:43,879
Speaker 2: I'm like, okay, I can get behind this monthly subscription price.

809
00:40:44,239 --> 00:40:45,839
Speaker 2: If you start with a website like a Jabi, you're

810
00:40:45,840 --> 00:40:47,680
Speaker 2: gonna end up paying like one hundred and fifty dollars

811
00:40:48,000 --> 00:40:51,040
Speaker 2: for their starter package. So it really just depends like

812
00:40:51,160 --> 00:40:55,120
Speaker 2: where your budget is and what type of functionality you

813
00:40:55,160 --> 00:40:57,799
Speaker 2: want built into these courses. But you know, you can

814
00:40:57,800 --> 00:41:03,080
Speaker 2: start hosting workshops on Zoom and literally download the you know,

815
00:41:03,120 --> 00:41:05,880
Speaker 2: the recordings from Zoom, put it on YouTube, do a

816
00:41:05,920 --> 00:41:09,840
Speaker 2: password protection, and literally just have people like send you

817
00:41:09,920 --> 00:41:11,480
Speaker 2: money and then you can give them access to a

818
00:41:11,560 --> 00:41:15,240
Speaker 2: course like you can bootstrap this until you're actually ready

819
00:41:15,239 --> 00:41:18,040
Speaker 2: to invest in like a full on platform.

820
00:41:18,719 --> 00:41:22,920
Speaker 1: Done is better than perfect. Yes, awesome, Well, thank you

821
00:41:23,080 --> 00:41:26,360
Speaker 1: so much. Okay, you've really inspired. I hope that you've inspired.

822
00:41:26,400 --> 00:41:29,239
Speaker 1: And I mean it's not like it's you know, ten

823
00:41:29,280 --> 00:41:32,960
Speaker 1: income streams. I mean that it's it's about that limit

824
00:41:33,040 --> 00:41:36,919
Speaker 1: listtent potential when you become a solopreneur, at least even

825
00:41:36,920 --> 00:41:38,680
Speaker 1: if you're a nine to five you know, I was

826
00:41:38,719 --> 00:41:41,799
Speaker 1: just talking about this earlier nine to five entrepreneur, you know,

827
00:41:41,880 --> 00:41:44,160
Speaker 1: working on your side hustle after work, and that's very

828
00:41:44,239 --> 00:41:46,520
Speaker 1: much what both you and I were doing. You know,

829
00:41:46,680 --> 00:41:50,960
Speaker 1: up until recently. There is potential to go beyond just

830
00:41:51,040 --> 00:41:54,520
Speaker 1: whatever you're bringing in, and I just wish people talked

831
00:41:54,520 --> 00:41:57,360
Speaker 1: about that more. When it comes to wealth building is

832
00:41:57,400 --> 00:41:59,439
Speaker 1: you've got to find more money, to make more money

833
00:41:59,480 --> 00:42:02,640
Speaker 1: a lot of time, and you know, just relying on

834
00:42:02,680 --> 00:42:04,359
Speaker 1: that one single paycheck isn't always it.

835
00:42:05,040 --> 00:42:07,160
Speaker 2: No, it's never it as far as I'm concerned. Twenty

836
00:42:07,200 --> 00:42:10,439
Speaker 2: twenty showed us that, like relying on your income through

837
00:42:10,440 --> 00:42:13,799
Speaker 2: work is not necessarily the smartest thing, because even if

838
00:42:13,800 --> 00:42:16,839
Speaker 2: you're not planning for another pandemic, you might face lay off.

839
00:42:16,840 --> 00:42:18,799
Speaker 2: In the future, you might face a furlough, you might

840
00:42:18,920 --> 00:42:20,719
Speaker 2: get divorced, you might be a stay at home mom,

841
00:42:20,760 --> 00:42:22,400
Speaker 2: and all of a sudden you have to start working. So, like,

842
00:42:22,960 --> 00:42:25,880
Speaker 2: what can you do now to put yourself in a

843
00:42:25,880 --> 00:42:30,080
Speaker 2: position that when, not if, the next shit show comes around,

844
00:42:30,440 --> 00:42:32,760
Speaker 2: you're like ready to go. And I knew, like throughout

845
00:42:32,920 --> 00:42:34,960
Speaker 2: the pandemic, I was going to be okay, Like if

846
00:42:34,960 --> 00:42:37,359
Speaker 2: I ever lost my job, I was gonna be perfectly fine.

847
00:42:37,360 --> 00:42:40,560
Speaker 2: And I want that feeling for everybody. If there's one

848
00:42:40,560 --> 00:42:42,560
Speaker 2: thing that's true and you can bet on is there

849
00:42:42,560 --> 00:42:44,799
Speaker 2: will always be another shit show. M hmm.

850
00:42:46,120 --> 00:42:48,640
Speaker 1: There's always more shit where that shit came from. Okay,

851
00:42:49,280 --> 00:43:26,360
Speaker 1: it's not if, it's not if, but when yep, all right, Well, okay,

852
00:43:26,360 --> 00:43:28,319
Speaker 1: so this is the final segment of the show. I

853
00:43:28,320 --> 00:43:32,040
Speaker 1: can't believe it's already over all right, But don't worry.

854
00:43:32,080 --> 00:43:34,239
Speaker 1: I'm gonna force you to like virtually hang out with

855
00:43:34,280 --> 00:43:37,319
Speaker 1: me again in the future. And that's what I do do.

856
00:43:37,760 --> 00:43:41,800
Speaker 1: Let's do brown boost and brown break, so you can choose.

857
00:43:41,880 --> 00:43:43,600
Speaker 1: Brown boost is something that you want to, you know,

858
00:43:43,719 --> 00:43:46,320
Speaker 1: highlight that you're excited about, whether it's a career or

859
00:43:46,400 --> 00:43:49,239
Speaker 1: financial win, or it's a business that you're excited to

860
00:43:49,320 --> 00:43:53,120
Speaker 1: promote or you know, amplify and then or you can

861
00:43:53,200 --> 00:43:55,160
Speaker 1: choose to break if you're feeling more and you know,

862
00:43:55,360 --> 00:43:57,839
Speaker 1: like a ventie ranty mood where you kind of talk

863
00:43:57,880 --> 00:44:00,960
Speaker 1: about something that you are not loving so much, either

864
00:44:01,040 --> 00:44:03,920
Speaker 1: financially or in your career. Maybe it's just you know,

865
00:44:04,400 --> 00:44:08,040
Speaker 1: your neighbor who keeps pounding on your floor. I don't

866
00:44:08,040 --> 00:44:10,680
Speaker 1: know if you live in an apartment or whatever. What

867
00:44:11,000 --> 00:44:12,520
Speaker 1: do you want to do today, Jenny's.

868
00:44:13,120 --> 00:44:15,319
Speaker 2: I feel like I can do both, but let me

869
00:44:15,480 --> 00:44:17,320
Speaker 2: go with I'll do the boost.

870
00:44:17,760 --> 00:44:21,120
Speaker 1: Okay. We make it seem like it's a choice, but

871
00:44:21,360 --> 00:44:22,680
Speaker 1: a lot of times we end up doing both.

872
00:44:25,200 --> 00:44:28,920
Speaker 2: Okay. So I am super excited because for the longest time,

873
00:44:28,960 --> 00:44:32,920
Speaker 2: I had like reservations around teaching people how to start blogs, right, Like,

874
00:44:32,960 --> 00:44:35,480
Speaker 2: I feel like that's still even though it's something that

875
00:44:35,520 --> 00:44:37,440
Speaker 2: I've done for the past eight years. Is always just like,

876
00:44:37,520 --> 00:44:39,239
Speaker 2: do I really want to teach people this because it's

877
00:44:39,280 --> 00:44:42,760
Speaker 2: so complicated, y'all, Like you know, there's so much science

878
00:44:42,800 --> 00:44:45,040
Speaker 2: behind it. But I actually decided this year that I'm

879
00:44:45,080 --> 00:44:47,719
Speaker 2: doing a blogging boot camp. So it's a six week

880
00:44:47,800 --> 00:44:50,480
Speaker 2: program where people are going to literally like build their

881
00:44:50,480 --> 00:44:53,120
Speaker 2: blog with me. I've always found that, like a lot

882
00:44:53,120 --> 00:44:55,360
Speaker 2: of the self driven courses that teach people how to

883
00:44:55,360 --> 00:44:58,800
Speaker 2: do this stuff can leave folks feeling very defeated, especially

884
00:44:58,800 --> 00:45:01,000
Speaker 2: when you start getting into the more tech aspects of it.

885
00:45:01,040 --> 00:45:03,239
Speaker 2: So I'm like, if I could learn about this all

886
00:45:03,280 --> 00:45:05,560
Speaker 2: over again, would I want to do it in person

887
00:45:05,640 --> 00:45:08,279
Speaker 2: with an expert? And so I said yes. So I

888
00:45:08,360 --> 00:45:11,799
Speaker 2: just put that out there yesterday and I've already been

889
00:45:11,800 --> 00:45:14,520
Speaker 2: getting people signing up. So I'm so excited and hopefully

890
00:45:14,600 --> 00:45:16,759
Speaker 2: I can turn it into like a more you know,

891
00:45:16,800 --> 00:45:18,960
Speaker 2: evergreen type of course in the future. But I'm just

892
00:45:19,000 --> 00:45:22,000
Speaker 2: really excited to teach people the way that I've been

893
00:45:22,040 --> 00:45:25,280
Speaker 2: able to secure financial freedom through blocking, Like it's still

894
00:45:25,280 --> 00:45:27,840
Speaker 2: a thing, and I want more women of color just

895
00:45:27,880 --> 00:45:31,640
Speaker 2: earning passive income so that we can rest because we're tired, y'all,

896
00:45:31,719 --> 00:45:32,320
Speaker 2: We're tired.

897
00:45:32,840 --> 00:45:36,400
Speaker 1: It's exhausting out here. Now that you've teased it, though,

898
00:45:36,400 --> 00:45:37,759
Speaker 1: I got to know what your break would have been.

899
00:45:38,760 --> 00:45:42,600
Speaker 1: My break is like this damn housing market. This is nuts,

900
00:45:42,640 --> 00:45:46,200
Speaker 1: Like I'm so over, especially like in Florida. I feel

901
00:45:46,200 --> 00:45:48,440
Speaker 1: like so many people moved out here during the pandemic

902
00:45:48,480 --> 00:45:52,600
Speaker 1: because they were like escaping the restrictive, you know, lockdown

903
00:45:52,640 --> 00:45:54,799
Speaker 1: stuff of the Northeast, whereas here it was like a

904
00:45:54,840 --> 00:45:57,680
Speaker 1: free for all, which not necessarily a good thing. But

905
00:45:57,800 --> 00:46:00,759
Speaker 1: now there's like so many investment come and just like

906
00:46:00,840 --> 00:46:04,080
Speaker 1: real estate investors coming up and buying property that they're

907
00:46:04,080 --> 00:46:06,799
Speaker 1: making it unaffordable for like normal people.

908
00:46:06,520 --> 00:46:09,160
Speaker 2: To live here. And I hate that, Like I feel

909
00:46:09,160 --> 00:46:12,360
Speaker 2: like that's happening in so many communities, especially communities of color.

910
00:46:12,680 --> 00:46:16,600
Speaker 2: Like it's just the gentrification is on another level and

911
00:46:17,080 --> 00:46:20,799
Speaker 2: I'm over it. It's annoying, same and what can we do?

912
00:46:20,840 --> 00:46:21,800
Speaker 2: But it's so hard.

913
00:46:21,880 --> 00:46:24,320
Speaker 1: It's like, I also live in a this is like

914
00:46:24,360 --> 00:46:27,480
Speaker 1: a majority minority neighborhood in a you know, in a

915
00:46:27,680 --> 00:46:30,080
Speaker 1: in a about thirty minutes outside of New York where

916
00:46:30,120 --> 00:46:33,560
Speaker 1: we live, and all of the fixer ruppers have been

917
00:46:33,640 --> 00:46:36,760
Speaker 1: bought up, and we are kind of like nervously waiting

918
00:46:36,800 --> 00:46:39,759
Speaker 1: to see who moves in. I'm hoping, you know, Listen,

919
00:46:39,840 --> 00:46:42,880
Speaker 1: it's not about not wanting certain people to move in,

920
00:46:42,960 --> 00:46:45,680
Speaker 1: but it's just more about can we preserve this is

921
00:46:45,680 --> 00:46:48,480
Speaker 1: such a great, unique community and it was such a

922
00:46:48,520 --> 00:46:50,920
Speaker 1: beacon of hope for so many families in the you know,

923
00:46:50,960 --> 00:46:53,759
Speaker 1: the mid twentieth century who bought homes because they could

924
00:46:53,760 --> 00:46:56,319
Speaker 1: afford them here, and like same for my husband and

925
00:46:56,360 --> 00:46:58,600
Speaker 1: I three years ago, this was a very affordable neighborhood.

926
00:46:58,719 --> 00:47:01,000
Speaker 1: Now I don't think we could even have afforded a

927
00:47:01,040 --> 00:47:04,400
Speaker 1: house here. And it's good if you're an owner, but

928
00:47:04,960 --> 00:47:06,880
Speaker 1: you know, not so good if you're someone wanting to

929
00:47:06,880 --> 00:47:11,080
Speaker 1: break in. Right, yep, I feel you on that. All right,

930
00:47:11,239 --> 00:47:13,120
Speaker 1: I'm gonna And by the way, did you guys buy

931
00:47:13,160 --> 00:47:14,560
Speaker 1: in Florida yet? Is that? Why?

932
00:47:14,960 --> 00:47:17,759
Speaker 2: No, we're trying to because now you know, I'm on

933
00:47:17,840 --> 00:47:20,200
Speaker 2: a whole other level now, you know, being debt free

934
00:47:20,239 --> 00:47:23,000
Speaker 2: and having more income as a business owner than I

935
00:47:23,040 --> 00:47:26,080
Speaker 2: did as a nine to five worker in debt, Like

936
00:47:26,160 --> 00:47:28,960
Speaker 2: it just changes your priorities. So now we feel like, yeah,

937
00:47:29,000 --> 00:47:31,000
Speaker 2: this is something we can do and that would want

938
00:47:31,040 --> 00:47:33,000
Speaker 2: to do. But like the hell am I going to

939
00:47:33,080 --> 00:47:35,600
Speaker 2: be doing paying like half a million dollars for a

940
00:47:35,760 --> 00:47:38,839
Speaker 2: freaking house that needs to be redone Like for that,

941
00:47:39,040 --> 00:47:41,440
Speaker 2: I'm just gonna end up somewhere in the Caribbean and

942
00:47:42,440 --> 00:47:45,000
Speaker 2: forget this place. This United States are a little ghetto

943
00:47:45,040 --> 00:47:45,760
Speaker 2: for me right now?

944
00:47:46,719 --> 00:47:49,920
Speaker 1: Oh shit, did y'all hear that. Okay, Oh my god,

945
00:47:50,440 --> 00:47:53,520
Speaker 1: this is what I get for clicking on your website

946
00:47:53,960 --> 00:47:54,520
Speaker 1: popped up?

947
00:47:54,880 --> 00:47:56,839
Speaker 2: Oh god, oh that scared me my heart.

948
00:47:57,160 --> 00:48:01,040
Speaker 1: Oh lord, Okay, all right, okay, let me get into

949
00:48:01,080 --> 00:48:04,560
Speaker 1: my Let me get into my my boost. So I

950
00:48:04,600 --> 00:48:08,280
Speaker 1: have a very exciting boost. So there's this little annual

951
00:48:08,280 --> 00:48:11,120
Speaker 1: event called Essence Fest. I don't know if y'all have

952
00:48:11,160 --> 00:48:14,120
Speaker 1: heard of it, but I wasn't sure this it's actually

953
00:48:14,120 --> 00:48:16,359
Speaker 1: going to pan out. But I actually got to be

954
00:48:16,520 --> 00:48:19,200
Speaker 1: one of many, many, many, many, many phenomenal people, not

955
00:48:19,320 --> 00:48:21,400
Speaker 1: just me obviously. I got to be a part of

956
00:48:21,520 --> 00:48:23,600
Speaker 1: essence Fest twenty twenty one, which.

957
00:48:23,400 --> 00:48:25,240
Speaker 2: Oh my gosh.

958
00:48:25,280 --> 00:48:27,120
Speaker 1: First of all, I don't even think people knew essence

959
00:48:27,160 --> 00:48:29,680
Speaker 1: Fest was happening this year. It's a much like more

960
00:48:29,760 --> 00:48:32,760
Speaker 1: toned down, smaller affair, but a lot of it is virtual.

961
00:48:32,880 --> 00:48:35,480
Speaker 1: They're still having some in person stuff in New Orleans

962
00:48:35,520 --> 00:48:38,960
Speaker 1: for the locals down there, and you know, it's hometown

963
00:48:38,960 --> 00:48:40,799
Speaker 1: of New Orleans. But I did get to be on

964
00:48:40,840 --> 00:48:43,440
Speaker 1: a panel, and it was it was really wonderful. It

965
00:48:43,560 --> 00:48:48,319
Speaker 1: was me and then a second and third generation McDonald's

966
00:48:48,320 --> 00:48:51,399
Speaker 1: franchise owner like this mother and daughter duo I can't

967
00:48:51,440 --> 00:48:54,319
Speaker 1: even tell you. They were so inspiring their story of

968
00:48:54,360 --> 00:48:58,080
Speaker 1: how they each built their own business. And then there was, oh,

969
00:48:58,120 --> 00:49:01,239
Speaker 1: no big deal, but Mary J. Blige's agent and hell

970
00:49:01,520 --> 00:49:05,520
Speaker 1: Blass was there, and I was just like, can I

971
00:49:05,640 --> 00:49:08,520
Speaker 1: just you know, just breathing the same virtual air as

972
00:49:08,560 --> 00:49:10,960
Speaker 1: you who have breathed the air of Mary J. Blige?

973
00:49:11,000 --> 00:49:15,799
Speaker 1: I just feel empowered and phenomenal. So that actually we

974
00:49:15,840 --> 00:49:19,040
Speaker 1: recorded it on Friday, just a few days ago, and

975
00:49:19,280 --> 00:49:22,640
Speaker 1: it's going to be airing July third, so check it out.

976
00:49:22,840 --> 00:49:25,200
Speaker 2: Amazing, congratulations, thank you.

977
00:49:25,440 --> 00:49:27,760
Speaker 1: And I think Tiffany's doing something with us. She always

978
00:49:27,800 --> 00:49:29,400
Speaker 1: is doing something with essence Fest. I don't know what

979
00:49:29,480 --> 00:49:31,640
Speaker 1: she's on hiatus, we'll see when she gets back, but

980
00:49:32,080 --> 00:49:35,480
Speaker 1: check it out. Essence Fest is online this year, and

981
00:49:36,800 --> 00:49:40,080
Speaker 1: it's all It's all signs from the universe that you know,

982
00:49:40,160 --> 00:49:42,800
Speaker 1: things are working out now that I'm on my own. Okay,

983
00:49:42,840 --> 00:49:46,440
Speaker 1: can we can we just silent clap to that because

984
00:49:46,440 --> 00:49:49,080
Speaker 1: that is a fact. Okay, when you keep showing up

985
00:49:49,120 --> 00:49:51,960
Speaker 1: for yourself and your goals and your dreams, like the

986
00:49:52,160 --> 00:49:56,960
Speaker 1: universe rewards it. Y'all just just keep showing up and

987
00:49:57,000 --> 00:50:00,279
Speaker 1: supporting one another. Yes, I can't fail to mention the

988
00:50:00,360 --> 00:50:02,520
Speaker 1: reason I got well one of the reasons I got

989
00:50:02,880 --> 00:50:07,000
Speaker 1: into essence Fest quickly quickly I did in college sixteen

990
00:50:07,080 --> 00:50:11,240
Speaker 1: seventeen years ago, I participated in an alternative spring break

991
00:50:11,239 --> 00:50:13,920
Speaker 1: and we've volunteered in the wake of hurri king Katrina

992
00:50:14,320 --> 00:50:17,440
Speaker 1: to read Bill Holmes on the Gulf Coast. And this

993
00:50:17,560 --> 00:50:20,880
Speaker 1: young woman, Chauncey, who I think she was a team leader,

994
00:50:20,880 --> 00:50:24,160
Speaker 1: but she and I met during that week sixteen years ago,

995
00:50:24,520 --> 00:50:27,520
Speaker 1: became Facebook friends. We haven't said a peeped one another

996
00:50:27,640 --> 00:50:30,280
Speaker 1: in those sixteen years until she happened to be working

997
00:50:30,320 --> 00:50:33,200
Speaker 1: for the agency that helps book guests for essence Fest

998
00:50:33,520 --> 00:50:35,839
Speaker 1: and she's been following and seeing what I've been doing

999
00:50:35,840 --> 00:50:39,480
Speaker 1: with my career and she reached out and listen, God

1000
00:50:39,520 --> 00:50:41,560
Speaker 1: bless Chauncey. But it's also just a message that you

1001
00:50:41,680 --> 00:50:44,880
Speaker 1: never know the people that you know. It's about networking sideways,

1002
00:50:44,960 --> 00:50:46,920
Speaker 1: not always trying to go up and find people to

1003
00:50:46,960 --> 00:50:49,840
Speaker 1: talk to. It's like, just be a good person and

1004
00:50:49,960 --> 00:50:52,440
Speaker 1: leave people feeling good about their time they spent with you.

1005
00:50:52,640 --> 00:50:56,080
Speaker 1: And ten fifteen, twenty years, who knows what kinds of

1006
00:50:56,120 --> 00:50:59,720
Speaker 1: opportunities could come of those small moments. So definitely huge,

1007
00:51:00,080 --> 00:51:03,040
Speaker 1: huge props to Chauncey for thinking of me, and yeah

1008
00:51:03,080 --> 00:51:08,400
Speaker 1: to everything you just said. Jenis absolutely okay ah, thank you,

1009
00:51:09,080 --> 00:51:12,080
Speaker 1: thank you so so much for joining us, Jenise. Where

1010
00:51:12,080 --> 00:51:12,960
Speaker 1: can people find you?

1011
00:51:14,360 --> 00:51:16,840
Speaker 2: So you can find me all over these internets y'all,

1012
00:51:16,880 --> 00:51:19,960
Speaker 2: like I am everywhere from TikTok to Pinterest and YouTube

1013
00:51:19,960 --> 00:51:22,680
Speaker 2: and everywhere in between. The easiest place to find me

1014
00:51:22,800 --> 00:51:25,520
Speaker 2: is yokyto den netto podcast dot com and you can

1015
00:51:25,520 --> 00:51:28,839
Speaker 2: subscribe to yokyto the netto wherever you listen to podcasts.

1016
00:51:29,320 --> 00:51:31,640
Speaker 1: Love it. Thank you so much. All right, we'll take

1017
00:51:31,680 --> 00:51:34,360
Speaker 1: care and thanks again for coming on Brown Ambition.

1018
00:51:35,360 --> 00:51:49,840
Speaker 2: This is a dream. Thank you, Manny,