1
00:00:00,160 --> 00:00:03,400
Speaker 1: Hey, hey va fam, it's Mandy again with another throwback

2
00:00:03,440 --> 00:00:07,080
Speaker 1: episode of Brown Ambition. This was a conversation with the

3
00:00:07,080 --> 00:00:10,080
Speaker 1: one and only Delianne Barros. If you haven't heard this

4
00:00:10,160 --> 00:00:13,320
Speaker 1: conversation with Delianne, you are in for a treat. Honestly,

5
00:00:13,360 --> 00:00:16,279
Speaker 1: this is one of my favorite conversations of twenty twenty one.

6
00:00:16,680 --> 00:00:18,919
Speaker 1: Delianne is someone that I've been a fan of, just

7
00:00:19,000 --> 00:00:22,320
Speaker 1: kind of lurking and cyberstocking her for a while. I've

8
00:00:22,320 --> 00:00:24,400
Speaker 1: been so impressed with the way that she has built

9
00:00:24,440 --> 00:00:27,760
Speaker 1: her business, especially her Slay the Stock Market course, which

10
00:00:27,800 --> 00:00:31,160
Speaker 1: helps everyday beginners learn how to literally slay the stock

11
00:00:31,200 --> 00:00:34,960
Speaker 1: market start achieving and building wealth. Delianne has such an

12
00:00:35,040 --> 00:00:37,519
Speaker 1: inspiring story, and I feel like she opens up in

13
00:00:37,560 --> 00:00:39,800
Speaker 1: a way that you may not get from just following

14
00:00:39,840 --> 00:00:42,000
Speaker 1: her on ig or taking one of her courses. So

15
00:00:42,320 --> 00:00:45,760
Speaker 1: I hope you guys enjoy this conversation where Delianne talks

16
00:00:45,800 --> 00:00:49,200
Speaker 1: about all the challenges she's overcome to achieve her dream

17
00:00:49,280 --> 00:00:52,519
Speaker 1: of retiring early and taking her family with her. I

18
00:00:52,560 --> 00:00:55,680
Speaker 1: really hope you guys enjoy this throwback episode. So, without

19
00:00:55,720 --> 00:01:15,200
Speaker 1: further ado, here's my chat with Delianne. Boos Hey ba

20
00:01:15,319 --> 00:01:21,560
Speaker 1: fam Mandy here, I am solo this week. Tiffany left me. Y'all. No,

21
00:01:21,680 --> 00:01:26,080
Speaker 1: in all seriousness, Tiffany got an extraordinary opportunity and we

22
00:01:26,200 --> 00:01:28,240
Speaker 1: love those here. I mean, we don't call it Brown

23
00:01:28,319 --> 00:01:30,920
Speaker 1: Ambition for nothing. So Tiffany is off doing her thing

24
00:01:30,959 --> 00:01:34,320
Speaker 1: this week, and I have been saved by the one

25
00:01:34,440 --> 00:01:39,600
Speaker 1: and only stock market slayer herself, delian the money Coach.

26
00:01:39,800 --> 00:01:42,399
Speaker 1: You guys, I cannot wait for you to meet Delianne.

27
00:01:42,400 --> 00:01:46,240
Speaker 1: In fact, selfishly, I'm kind of excited about this because

28
00:01:46,680 --> 00:01:48,720
Speaker 1: with Tiffany being gone this week, it gave me a

29
00:01:48,800 --> 00:01:51,360
Speaker 1: chance to reach out to delian and connect with her

30
00:01:51,880 --> 00:01:54,480
Speaker 1: on IG. I just shot my shot and I said,

31
00:01:54,520 --> 00:01:57,080
Speaker 1: I love your content. I love what you're doing. You're

32
00:01:57,080 --> 00:01:59,640
Speaker 1: blowing up. I want you to come on Brown Ambition

33
00:01:59,760 --> 00:02:02,760
Speaker 1: and share your story with our audience. And on top

34
00:02:02,800 --> 00:02:05,720
Speaker 1: of that, it is Hispanic Heritage Month and it really

35
00:02:05,760 --> 00:02:08,520
Speaker 1: meant a lot to me that we could showcase one

36
00:02:08,560 --> 00:02:12,080
Speaker 1: of the baddest ass bad asses. I don't know how

37
00:02:12,120 --> 00:02:15,440
Speaker 1: to say that, one of the best Latinas in the

38
00:02:15,520 --> 00:02:18,600
Speaker 1: game right now. And the fact that there even is

39
00:02:19,120 --> 00:02:22,680
Speaker 1: a huge influencer space now for Latina money coaches and

40
00:02:22,720 --> 00:02:26,440
Speaker 1: money influencers, y'all. It has been a long time coming.

41
00:02:27,000 --> 00:02:29,160
Speaker 1: I am a huge fan of Delianne. I know you

42
00:02:29,200 --> 00:02:31,320
Speaker 1: guys will be too when you hear from her. But

43
00:02:31,400 --> 00:02:33,560
Speaker 1: let me do a quick intro. So if you don't

44
00:02:33,560 --> 00:02:36,400
Speaker 1: know about Delianne, she is a Latina money expert and

45
00:02:36,520 --> 00:02:40,359
Speaker 1: ex employment law attorney. Yeah, she was an entire attorney

46
00:02:40,480 --> 00:02:43,040
Speaker 1: y'all before she pivoted. And she is going to talk

47
00:02:43,040 --> 00:02:45,760
Speaker 1: about how she just quit her job less than what

48
00:02:45,919 --> 00:02:48,720
Speaker 1: six months ago, and how she's now on track to

49
00:02:48,800 --> 00:02:52,320
Speaker 1: retire by age forty five and move to where, of course,

50
00:02:52,360 --> 00:02:56,520
Speaker 1: to Portugal like everybody else, it seems. Through her business,

51
00:02:56,560 --> 00:02:59,560
Speaker 1: delian the Money Coach, Delianne has a goal to show

52
00:02:59,600 --> 00:03:02,200
Speaker 1: invest that they don't need to wait to become debt

53
00:03:02,240 --> 00:03:05,720
Speaker 1: free or earn six figures in order to reach financial freedom.

54
00:03:06,400 --> 00:03:10,320
Speaker 1: Over twenty five hundred students have enrolled in her Sleigh

55
00:03:10,400 --> 00:03:13,000
Speaker 1: the stock Market course, which you can find at the

56
00:03:13,080 --> 00:03:17,679
Speaker 1: link in the show notes, and Delian's been featured everywhere CNN,

57
00:03:17,960 --> 00:03:21,920
Speaker 1: Time Business Insider, all highlighting her work in support of

58
00:03:22,000 --> 00:03:25,120
Speaker 1: financial literacy, and of course check out the show notes

59
00:03:25,120 --> 00:03:28,640
Speaker 1: to follow her on Instagram and TikTok under her handle

60
00:03:28,760 --> 00:03:31,760
Speaker 1: delian the money coach. Now let me get out of

61
00:03:31,760 --> 00:03:34,920
Speaker 1: my own way. Tiffany, we hope you are slaying over

62
00:03:35,040 --> 00:03:38,480
Speaker 1: in La doing your thing. In the meantime, I'm so

63
00:03:38,640 --> 00:03:41,960
Speaker 1: excited to introduce you guys to delian So here is

64
00:03:42,000 --> 00:03:45,760
Speaker 1: our conversation and be sure to come back Friday when

65
00:03:45,760 --> 00:03:50,160
Speaker 1: we air our BAQ and A episode. Delianne stuck around

66
00:03:50,240 --> 00:03:54,280
Speaker 1: and she helps me tackle y'all's questions this week. All right,

67
00:03:54,360 --> 00:03:58,720
Speaker 1: here we go, here's the show. All right, delian thank

68
00:03:58,760 --> 00:04:01,600
Speaker 1: you so much for joining us Brown Ambition. Thanks for

69
00:04:01,680 --> 00:04:04,880
Speaker 1: saving my butt. Honestly, I am honored.

70
00:04:05,200 --> 00:04:07,440
Speaker 2: You can call me anytime and I'll be here.

71
00:04:08,000 --> 00:04:11,480
Speaker 1: Just slid into your DMS. Well, listen, you are. I mean,

72
00:04:11,760 --> 00:04:14,280
Speaker 1: we don't. We don't have co hosts that often. We

73
00:04:14,320 --> 00:04:16,839
Speaker 1: did have a few this past summer. And one of

74
00:04:16,839 --> 00:04:20,080
Speaker 1: my favorite things about inviting someone to sit in the chair,

75
00:04:20,520 --> 00:04:24,480
Speaker 1: the virtual chair across from me, is genuinely every story

76
00:04:24,520 --> 00:04:27,560
Speaker 1: is so unique, and yours is definitely one that I

77
00:04:27,680 --> 00:04:30,000
Speaker 1: have been following. It feels like for the past year

78
00:04:30,520 --> 00:04:33,120
Speaker 1: you've just blown up and I'm like, what is she doing?

79
00:04:33,240 --> 00:04:36,840
Speaker 1: She's got this, You've got this amazing platform. You are

80
00:04:36,839 --> 00:04:41,960
Speaker 1: empowering Latina women especially to take charge not just of

81
00:04:42,040 --> 00:04:45,839
Speaker 1: their finances but of the stock market, which is just

82
00:04:45,960 --> 00:04:48,800
Speaker 1: something that until a couple of years ago, there just

83
00:04:48,960 --> 00:04:52,599
Speaker 1: wasn't really anybody I feel like representing that space. So

84
00:04:52,960 --> 00:04:57,040
Speaker 1: thank God, thank Goodness for you and others like you,

85
00:04:57,160 --> 00:04:59,479
Speaker 1: and thank you for joining Brown Ambition.

86
00:05:00,120 --> 00:05:02,440
Speaker 2: Of course, thank you for having me. I'm always flattered

87
00:05:02,720 --> 00:05:07,040
Speaker 2: and I love spreading this idea that things are changing,

88
00:05:07,600 --> 00:05:11,240
Speaker 2: Like the conversation around money's changing, the people who are

89
00:05:11,240 --> 00:05:14,080
Speaker 2: talking about it are changing, and I'm like so honored

90
00:05:14,080 --> 00:05:15,120
Speaker 2: to be part of that movement.

91
00:05:15,960 --> 00:05:18,960
Speaker 1: Yeah, I mean when you so your background, I mean,

92
00:05:19,000 --> 00:05:21,720
Speaker 1: first of all, you've got you've had a bunch of

93
00:05:21,760 --> 00:05:24,000
Speaker 1: different lives, it feels like professionally, but you were an

94
00:05:24,000 --> 00:05:27,760
Speaker 1: attorney and then you transition from being a badass attorney

95
00:05:27,800 --> 00:05:32,360
Speaker 1: to an editor for like a legal publication, right, and

96
00:05:32,400 --> 00:05:35,880
Speaker 1: then you quit entirely and now you are Delhi Enbado

97
00:05:36,000 --> 00:05:40,080
Speaker 1: Slay the stock market, teaching investing courses online. But let's

98
00:05:40,120 --> 00:05:42,800
Speaker 1: back it up, because I've been reading up on you

99
00:05:42,920 --> 00:05:46,000
Speaker 1: and I didn't realize you're originally from Brazil, And is

100
00:05:46,000 --> 00:05:48,240
Speaker 1: it true that you came to the US and for

101
00:05:48,279 --> 00:05:52,120
Speaker 1: a long time you were actually undocumented, So tell me

102
00:05:52,160 --> 00:05:54,719
Speaker 1: about that, tell me about your origin story and sort

103
00:05:54,760 --> 00:05:57,720
Speaker 1: of how you have gotten to where you are today,

104
00:05:57,800 --> 00:06:01,560
Speaker 1: because that is such an incredible and unique story that

105
00:06:01,600 --> 00:06:03,400
Speaker 1: I don't think many people know about you.

106
00:06:04,160 --> 00:06:07,760
Speaker 2: Yeah, I mean, I it's funny because it doesn't seem

107
00:06:07,760 --> 00:06:09,880
Speaker 2: like that long ago, but I'm like, wow, it's been

108
00:06:09,920 --> 00:06:13,400
Speaker 2: a lifetime. So, Yeah, my father got laid off in

109
00:06:13,440 --> 00:06:17,480
Speaker 2: Brazil and there aren't that many opportunities where we're from,

110
00:06:17,600 --> 00:06:20,119
Speaker 2: so he packed us up brought us to the US.

111
00:06:20,240 --> 00:06:23,560
Speaker 2: I was eight years old, my sister was four, and

112
00:06:23,920 --> 00:06:26,960
Speaker 2: we moved to Miami and that's pretty much like where

113
00:06:26,960 --> 00:06:32,320
Speaker 2: I grew up from eight to twenty one. And yeah,

114
00:06:32,360 --> 00:06:35,719
Speaker 2: we were on documented, all of us, So we were

115
00:06:36,800 --> 00:06:39,880
Speaker 2: pretty much coached by our parents, like stay out of trouble,

116
00:06:40,800 --> 00:06:46,520
Speaker 2: go to school, you know, like, don't misbehave, don't act out,

117
00:06:46,800 --> 00:06:49,760
Speaker 2: because we can't bring attention to ourselves, right, Like, every

118
00:06:49,839 --> 00:06:53,720
Speaker 2: moment could be a risk for one of us being

119
00:06:53,880 --> 00:06:58,320
Speaker 2: sent back. So growing up with that fear looming over you,

120
00:06:58,720 --> 00:07:01,720
Speaker 2: it's something that you don't ever really let go of, right,

121
00:07:01,839 --> 00:07:04,480
Speaker 2: It's something that is still a part of me today.

122
00:07:05,000 --> 00:07:08,080
Speaker 2: Anything having to do with immigration still gets me like sweating,

123
00:07:08,279 --> 00:07:09,880
Speaker 2: even when I go to the airport and you have

124
00:07:09,920 --> 00:07:12,880
Speaker 2: to go through immigration. Here, I'm standing here with my

125
00:07:12,920 --> 00:07:17,200
Speaker 2: American passport, which I've wanted my entire life, and I

126
00:07:17,200 --> 00:07:20,040
Speaker 2: didn't get till what three four years ago I became

127
00:07:20,040 --> 00:07:25,440
Speaker 2: a citizen, and I still get like the sweats. So, yeah,

128
00:07:25,440 --> 00:07:28,760
Speaker 2: we were documented because we came over as tourists. We

129
00:07:28,800 --> 00:07:33,320
Speaker 2: overstayed our visa, you know, not something that was I

130
00:07:33,360 --> 00:07:35,720
Speaker 2: was consulted about. I was eight years old and I

131
00:07:35,760 --> 00:07:40,040
Speaker 2: haven't none of you spoke English.

132
00:07:40,440 --> 00:07:42,520
Speaker 1: None of you spoke English either, okay.

133
00:07:43,240 --> 00:07:45,760
Speaker 2: And so we all learned, you know, tray by fire.

134
00:07:45,960 --> 00:07:49,400
Speaker 2: I was an esaul. I was bullied during school, you know,

135
00:07:49,560 --> 00:07:55,280
Speaker 2: typical treatments that you get when you're a foreigner, when

136
00:07:55,320 --> 00:07:58,120
Speaker 2: you're different, right, and when you're growing up in elementary

137
00:07:58,200 --> 00:07:59,880
Speaker 2: high school, if you're different at all, you're gonna get

138
00:08:00,640 --> 00:08:03,880
Speaker 2: So this was part of that. But thankfully I was

139
00:08:03,880 --> 00:08:06,880
Speaker 2: in Miami. I definitely wasn't the only one, but growing

140
00:08:06,960 --> 00:08:13,200
Speaker 2: up there was a little claustrophobic. So finally I did

141
00:08:13,200 --> 00:08:16,000
Speaker 2: get my papers, I did become a resident, and I

142
00:08:16,200 --> 00:08:20,320
Speaker 2: just immediately enrolled in college, put myself through law school.

143
00:08:20,880 --> 00:08:24,800
Speaker 2: I paid all my student loan offs last year, which

144
00:08:24,840 --> 00:08:26,520
Speaker 2: was a whole hundred and fifty thousand dollars.

145
00:08:26,760 --> 00:08:28,760
Speaker 1: Let's just pause there for a second, because it was

146
00:08:28,840 --> 00:08:31,200
Speaker 1: a hundred and you're making it sound like, yeah, I

147
00:08:31,240 --> 00:08:34,400
Speaker 1: just did this, I got my papers. Yeah whatever, Well

148
00:08:34,440 --> 00:08:37,040
Speaker 1: just checking the boxes. One hundred and fifty k. Yeah,

149
00:08:37,080 --> 00:08:40,079
Speaker 1: everyone can do that. Uh huh. Now I'm going to

150
00:08:40,120 --> 00:08:42,600
Speaker 1: retire in Portugal. But let me slow it down. Okay,

151
00:08:42,960 --> 00:08:47,440
Speaker 1: law school, Why law school? Why was that where? Why

152
00:08:47,600 --> 00:08:51,000
Speaker 1: was that sort of your your profession of choice? And

153
00:08:51,640 --> 00:08:55,120
Speaker 1: talk to me about the I mean, this thread of

154
00:08:55,160 --> 00:08:58,680
Speaker 1: the mental toll of that fear. You know, I don't

155
00:08:58,679 --> 00:09:00,800
Speaker 1: know if your parents are citizen now or what their

156
00:09:00,800 --> 00:09:03,839
Speaker 1: status is, but tell me about that fear and how

157
00:09:03,880 --> 00:09:07,000
Speaker 1: that sort of led you into your decision making when

158
00:09:07,040 --> 00:09:09,360
Speaker 1: you were when you were figuring out school and your career.

159
00:09:10,200 --> 00:09:13,680
Speaker 2: Yeah, it was terrifying because and it was also heartbreaking

160
00:09:13,679 --> 00:09:16,559
Speaker 2: because I saw all my classmates making big plans to

161
00:09:16,600 --> 00:09:19,360
Speaker 2: go to these colleges. They were getting scholarships, they were

162
00:09:19,360 --> 00:09:22,720
Speaker 2: getting financial aid. I didn't qualify for any of those things, right,

163
00:09:22,800 --> 00:09:25,000
Speaker 2: So I'm graduating at the top of my class in

164
00:09:25,080 --> 00:09:30,319
Speaker 2: high school, and I'm stuck. I'm pretty much frozen. There

165
00:09:30,400 --> 00:09:32,480
Speaker 2: is no assistance for anybody like me. I would go

166
00:09:32,559 --> 00:09:34,520
Speaker 2: to the school counselor I would talk to the principal,

167
00:09:34,960 --> 00:09:36,679
Speaker 2: there's like, there's nothing we can do. So I was

168
00:09:36,720 --> 00:09:39,559
Speaker 2: basically on my own until I figured out the immigration

169
00:09:39,920 --> 00:09:45,000
Speaker 2: situation on my own. But once that got resolved, I'm like, Okay,

170
00:09:45,080 --> 00:09:47,080
Speaker 2: I could start living my life because I literally felt

171
00:09:47,080 --> 00:09:49,280
Speaker 2: like my life was on pause. And why did I

172
00:09:49,320 --> 00:09:51,960
Speaker 2: choose law school? Well, it was either that or medical school,

173
00:09:52,360 --> 00:09:55,040
Speaker 2: because like any other immigrant, I'm like, I have to

174
00:09:55,120 --> 00:10:01,440
Speaker 2: overcompensate for all of my parents, you know, sutcoming, and

175
00:10:01,559 --> 00:10:03,040
Speaker 2: so I'm like, which one is it going to be?

176
00:10:03,120 --> 00:10:06,480
Speaker 2: I always knew I wanted to help people. Math completely

177
00:10:06,520 --> 00:10:11,280
Speaker 2: terrified me, even though I took calculus. Well whatever, I decided,

178
00:10:11,320 --> 00:10:12,160
Speaker 2: let's go to law school.

179
00:10:12,200 --> 00:10:12,600
Speaker 1: No math.

180
00:10:13,200 --> 00:10:15,280
Speaker 2: And then I was deciding whether I was going to

181
00:10:15,320 --> 00:10:18,720
Speaker 2: do immigration or employment law. So I did my internship

182
00:10:18,720 --> 00:10:22,720
Speaker 2: and immigration and I tested that out, and I don't know,

183
00:10:22,720 --> 00:10:25,320
Speaker 2: maybe it was a little too close to home. It

184
00:10:25,440 --> 00:10:27,319
Speaker 2: was just too emotional for me. But I'm like, how

185
00:10:27,320 --> 00:10:31,440
Speaker 2: can I still help this population through another way? And

186
00:10:31,480 --> 00:10:33,640
Speaker 2: so I chose employment law, and I did plain of

187
00:10:33,720 --> 00:10:37,600
Speaker 2: side employment law. So I represented employees in discrimination cases,

188
00:10:37,640 --> 00:10:43,320
Speaker 2: wage in hour cases, contract negotiations, you name it, right,

189
00:10:43,360 --> 00:10:46,040
Speaker 2: I was doing those type of cases. And I did

190
00:10:46,040 --> 00:10:49,880
Speaker 2: that for seven years litigation, and it was rewarding work.

191
00:10:50,200 --> 00:10:54,800
Speaker 2: But if you've talked to any attorney, being an attorney

192
00:10:54,920 --> 00:10:59,680
Speaker 2: is extremely stressful. You're getting stressed from all different levels,

193
00:11:00,160 --> 00:11:07,800
Speaker 2: the partners, the clients, your coworkers, everywhere, right, And it's

194
00:11:07,840 --> 00:11:11,400
Speaker 2: just this constant stress and very little support, especially for

195
00:11:11,440 --> 00:11:14,720
Speaker 2: people of color, especially for women of color. And so

196
00:11:14,760 --> 00:11:18,200
Speaker 2: I felt very isolated and I felt overwhelmed, and I

197
00:11:18,200 --> 00:11:20,640
Speaker 2: felt like I chose a profreshion again because I was

198
00:11:20,679 --> 00:11:24,560
Speaker 2: trying to prove a point instead of really following my heart,

199
00:11:25,320 --> 00:11:28,400
Speaker 2: you know. And so and also because I wanted financial security, God,

200
00:11:28,440 --> 00:11:31,559
Speaker 2: I desperately want it. I was, you know, we were poor.

201
00:11:32,080 --> 00:11:35,560
Speaker 2: I was living in Miami. I was living in an apartment.

202
00:11:35,720 --> 00:11:37,080
Speaker 2: I tell people, I'm like, I used to live a

203
00:11:37,120 --> 00:11:38,960
Speaker 2: broom by the door because I would come in and

204
00:11:39,000 --> 00:11:41,280
Speaker 2: have to kill the cockroaches because it was like a

205
00:11:41,280 --> 00:11:45,000
Speaker 2: little kitchenette and it was there was no sink in

206
00:11:45,040 --> 00:11:46,800
Speaker 2: the bathroom. I had to like brush my teeth in

207
00:11:46,840 --> 00:11:49,160
Speaker 2: the shower. It was, you know, not a good situation.

208
00:11:49,520 --> 00:11:53,560
Speaker 2: And so for me, education meant lifting myself out of poverty,

209
00:11:53,800 --> 00:11:56,720
Speaker 2: Like I needed education to be that ladder for me

210
00:11:56,800 --> 00:12:00,320
Speaker 2: out and it did. It did become that ladder, but

211
00:12:00,400 --> 00:12:04,600
Speaker 2: it also trapped me in this capitalist game that I

212
00:12:04,600 --> 00:12:08,360
Speaker 2: didn't realize I was now part of. And so walking

213
00:12:08,400 --> 00:12:13,400
Speaker 2: away from my legal career took a huge mindset chef

214
00:12:13,440 --> 00:12:14,360
Speaker 2: for me to hap.

215
00:12:14,480 --> 00:12:16,400
Speaker 1: That was because that wasn't even that long ago, was it.

216
00:12:16,520 --> 00:12:17,560
Speaker 1: I mean we're talking about.

217
00:12:17,320 --> 00:12:20,520
Speaker 2: I mean I literally quit in March of this year.

218
00:12:20,640 --> 00:12:22,040
Speaker 1: Wait, just this past march?

219
00:12:22,320 --> 00:12:25,480
Speaker 2: Yeah, wow, March twenty twenty one, what I put in

220
00:12:25,559 --> 00:12:26,320
Speaker 2: my notice.

221
00:12:27,040 --> 00:12:30,080
Speaker 1: So that's a big milestone, especially for anyone who's like you.

222
00:12:30,120 --> 00:12:34,679
Speaker 1: For example, you discovered the Fire movement, financial independence, retire early.

223
00:12:35,000 --> 00:12:36,600
Speaker 1: When was that a couple of years ago or so?

224
00:12:36,640 --> 00:12:37,640
Speaker 1: When you discovered that movie?

225
00:12:37,760 --> 00:12:41,040
Speaker 2: Yeah, twenty nineteen, twenty nineteen years soon, I'm heard of

226
00:12:41,080 --> 00:12:44,080
Speaker 2: more aware, a like I discover something, I go all in.

227
00:12:44,960 --> 00:12:48,480
Speaker 1: I'm finding that out. I'm like, good lord, we've been

228
00:12:48,480 --> 00:12:51,760
Speaker 1: doing this show for six years anyway, So tell me,

229
00:12:51,840 --> 00:12:54,760
Speaker 1: I mean, you discovered the Fire movement, You're you quit

230
00:12:54,760 --> 00:12:57,400
Speaker 1: your job less than a year ago. How has the

231
00:12:57,960 --> 00:13:00,040
Speaker 1: what are your what do your parents think? What do

232
00:13:00,120 --> 00:13:01,080
Speaker 1: your parents think of what you're doing?

233
00:13:01,160 --> 00:13:03,560
Speaker 2: Yeah, I mean I unfortunately my dad's not in my life,

234
00:13:03,600 --> 00:13:07,440
Speaker 2: but my mom is. She lives in Brazil. She was

235
00:13:07,520 --> 00:13:09,439
Speaker 2: just wrapping her head around the fact that I was

236
00:13:09,480 --> 00:13:12,520
Speaker 2: an attorney. She's like, I'm starting to understand what I

237
00:13:12,559 --> 00:13:14,520
Speaker 2: did and now I'm like, oh, I'm not that doing

238
00:13:14,520 --> 00:13:16,839
Speaker 2: that anymore. Mom, I teach people about investing in the

239
00:13:16,880 --> 00:13:22,040
Speaker 2: stock market. She's like, what. But she's very supportive. She's like,

240
00:13:22,240 --> 00:13:24,600
Speaker 2: she just wants to see us all happy and healthy,

241
00:13:25,040 --> 00:13:28,120
Speaker 2: taken care of. So, yeah, we have this distant relationship

242
00:13:28,160 --> 00:13:31,439
Speaker 2: because she's been living in Brazil for the last what

243
00:13:31,600 --> 00:13:32,880
Speaker 2: twelve thirteen years?

244
00:13:33,320 --> 00:13:35,199
Speaker 1: Oh so she went back when you were still, yeah,

245
00:13:35,240 --> 00:13:38,000
Speaker 1: in your twenties or so. And you so you have

246
00:13:38,040 --> 00:13:38,720
Speaker 1: a little sister.

247
00:13:38,840 --> 00:13:41,359
Speaker 2: I have two little sisters, one that lives in Hawaii

248
00:13:41,920 --> 00:13:43,640
Speaker 2: and one that lives in Colorado.

249
00:13:44,200 --> 00:13:47,199
Speaker 1: So you guys, take care. I have siblings and where

250
00:13:47,400 --> 00:13:49,920
Speaker 1: I feel you because my siblings live in different states too.

251
00:13:50,559 --> 00:13:52,720
Speaker 1: And it's crazy because I feel like I spent my

252
00:13:52,720 --> 00:13:55,280
Speaker 1: twenties just not really caring about the distance. But now

253
00:13:55,320 --> 00:13:58,080
Speaker 1: that I'm in my mid thirties and I got a baby.

254
00:13:58,120 --> 00:14:01,160
Speaker 1: I'm like, wait, why do you guys live so far away?

255
00:14:01,720 --> 00:14:05,440
Speaker 1: But how important are those relationships to you?

256
00:14:05,440 --> 00:14:08,360
Speaker 2: No? Absolutely, And so my sister now lives in Hawaii,

257
00:14:08,440 --> 00:14:11,800
Speaker 2: which is the closest we've been geographically in forever because

258
00:14:11,800 --> 00:14:15,079
Speaker 2: she's live in Singapore. So now it feels like she's

259
00:14:15,160 --> 00:14:17,880
Speaker 2: right there all of a sudden, but she'll probably be

260
00:14:17,960 --> 00:14:21,600
Speaker 2: moving again. Yeah. Same as I've gotten older, I felt

261
00:14:21,600 --> 00:14:25,480
Speaker 2: that having that physical proximity to your family is really

262
00:14:25,480 --> 00:14:29,560
Speaker 2: really important. So my hope is to retire in Portugal

263
00:14:29,640 --> 00:14:32,680
Speaker 2: and bring my mom. I want to like bring the

264
00:14:32,760 --> 00:14:35,360
Speaker 2: nucleus back together. I'm trying to commit my sister to

265
00:14:35,360 --> 00:14:37,560
Speaker 2: move there my mom, and I'm like, let's get the

266
00:14:37,600 --> 00:14:38,520
Speaker 2: family back together.

267
00:14:39,520 --> 00:14:43,200
Speaker 1: Why Portugal? It seems like everyone's moving to Portugal. Portugal's

268
00:14:43,200 --> 00:14:47,360
Speaker 1: got some like serious shine on it. Right now? What

269
00:14:47,600 --> 00:14:49,840
Speaker 1: is in the water over there? Yeah, tell me about it.

270
00:14:49,880 --> 00:14:53,360
Speaker 1: How did you arrive at that decision and what drew

271
00:14:53,360 --> 00:14:53,720
Speaker 1: you to it?

272
00:14:54,200 --> 00:14:57,320
Speaker 2: I can't speak to for everyone else. I'm Brazilian, so

273
00:14:57,400 --> 00:15:02,040
Speaker 2: for me, the connection is natural. I see Portuguese, although

274
00:15:02,080 --> 00:15:07,160
Speaker 2: the Portuguese there is different. I visited two three years ago. God,

275
00:15:07,320 --> 00:15:10,240
Speaker 2: everything's jumbled now, and I absolutely fell in love with it.

276
00:15:11,080 --> 00:15:16,160
Speaker 2: I've always loved Europe, Spain, Italy, France, but when I

277
00:15:16,240 --> 00:15:20,320
Speaker 2: visited Portugal it felt like home, Like the people were lovely.

278
00:15:21,080 --> 00:15:24,720
Speaker 2: It just it was safe, it was calm. Right. I'm

279
00:15:24,760 --> 00:15:26,280
Speaker 2: just coming from New York because I lived in New

280
00:15:26,360 --> 00:15:29,560
Speaker 2: York City for fifteen years. It was just a different vibe.

281
00:15:29,720 --> 00:15:33,920
Speaker 2: And when I started putting together my financial independence plan,

282
00:15:34,120 --> 00:15:36,560
Speaker 2: and I'm like, Wow, it's gonna be difficult to swing

283
00:15:36,640 --> 00:15:38,920
Speaker 2: this here in the States, right, especially now that I'm

284
00:15:38,920 --> 00:15:42,640
Speaker 2: living California. But I'm like, what if I moved abroad? Right?

285
00:15:42,720 --> 00:15:45,720
Speaker 2: But then again the immigration thing came up, the fears.

286
00:15:46,080 --> 00:15:48,720
Speaker 2: I'm like, oh my god, I'm gonna deal with immigration again.

287
00:15:48,760 --> 00:15:52,240
Speaker 2: I just became a citizen. Now I'm gonna I don't know.

288
00:15:52,280 --> 00:15:54,920
Speaker 2: I felt like I was risking it. But then I

289
00:15:54,960 --> 00:15:58,320
Speaker 2: realized that becoming a citizen in Portugal is actually quite simple,

290
00:16:00,000 --> 00:16:02,640
Speaker 2: easy to move there, to become as I think.

291
00:16:02,560 --> 00:16:05,920
Speaker 1: Of a country being welcoming to immigrant, yes, right.

292
00:16:06,080 --> 00:16:08,640
Speaker 2: How odd? And so they have something that's called the

293
00:16:08,720 --> 00:16:12,720
Speaker 2: D seven visa visa, which is basically, if you have

294
00:16:12,720 --> 00:16:16,080
Speaker 2: any kind of passive income. There's like a threshold that

295
00:16:16,120 --> 00:16:19,000
Speaker 2: you have to meet. You meet that threshold, you can

296
00:16:19,040 --> 00:16:21,760
Speaker 2: come live there and you can become a citizen after

297
00:16:21,800 --> 00:16:23,840
Speaker 2: five years done. And that gives me a lot of

298
00:16:23,840 --> 00:16:25,520
Speaker 2: peace of mind, not only for myself but for my

299
00:16:25,600 --> 00:16:27,800
Speaker 2: mom because I'm going to be taking care of her.

300
00:16:28,000 --> 00:16:30,320
Speaker 2: So even though I don't have kids, I am taking

301
00:16:30,360 --> 00:16:33,800
Speaker 2: care of a generation above me, right and so I

302
00:16:33,840 --> 00:16:35,400
Speaker 2: want to make sure that she's taken care of that

303
00:16:35,440 --> 00:16:39,320
Speaker 2: she has health, insurance, access to all of that. And

304
00:16:39,400 --> 00:16:42,960
Speaker 2: it was important when I was choosing which country that

305
00:16:43,240 --> 00:16:44,680
Speaker 2: I could check those boxes.

306
00:16:45,280 --> 00:16:47,920
Speaker 1: Yeah, that's wonderful. So what's your goal? When are you

307
00:16:48,000 --> 00:16:50,840
Speaker 1: going to be in Portugal? When what it does? And

308
00:16:50,880 --> 00:16:53,000
Speaker 1: when you said, first of all, I'm a victim of

309
00:16:53,040 --> 00:16:56,880
Speaker 1: my own deadlines all the time, so I'm just I'm

310
00:16:56,880 --> 00:16:58,800
Speaker 1: I going to ask you this, but I'm also thinking, like,

311
00:16:58,840 --> 00:17:00,880
Speaker 1: you can move your deadlines any time, girl, Like, it

312
00:17:00,920 --> 00:17:02,720
Speaker 1: is not that big of a deal. I don't need

313
00:17:02,760 --> 00:17:06,200
Speaker 1: to put any pressure on you, but you going to

314
00:17:06,240 --> 00:17:06,600
Speaker 1: be there.

315
00:17:07,040 --> 00:17:09,359
Speaker 2: I'm so glad you said that because that's how I

316
00:17:09,359 --> 00:17:13,399
Speaker 2: am too. I when I speak something into existence, I

317
00:17:13,440 --> 00:17:16,719
Speaker 2: feel obligated to make it happen exactly as I said it,

318
00:17:17,280 --> 00:17:18,800
Speaker 2: And that's such a I don't know if that's a

319
00:17:18,840 --> 00:17:21,400
Speaker 2: scorpio thing. I don't know if that's an immigrant thing

320
00:17:21,520 --> 00:17:27,000
Speaker 2: or the type a thing. Yeah, yes, the timeline is

321
00:17:27,000 --> 00:17:28,399
Speaker 2: about in the next two years.

322
00:17:29,359 --> 00:17:31,280
Speaker 1: Two years, okay, holy shit.

323
00:17:31,920 --> 00:17:34,399
Speaker 2: And yeah, the only reason for that is because I

324
00:17:34,440 --> 00:17:38,879
Speaker 2: want to get over there do some scouting, and I

325
00:17:39,040 --> 00:17:41,600
Speaker 2: haven't been able to because of you know, the panoramic.

326
00:17:42,560 --> 00:17:47,120
Speaker 2: So once I have a minute to hang over there,

327
00:17:47,600 --> 00:17:51,239
Speaker 2: do some house shopping, house hunting, feel a little bit

328
00:17:51,240 --> 00:17:54,200
Speaker 2: better about where we're going to land, then I will

329
00:17:54,520 --> 00:17:56,000
Speaker 2: probably be escalating those plants.

330
00:17:56,720 --> 00:17:58,479
Speaker 1: So what I love about your story too, is that

331
00:17:58,560 --> 00:18:02,639
Speaker 1: you acknowledge like I was full a full lawyer, a

332
00:18:03,320 --> 00:18:07,600
Speaker 1: full attorney at law four blocks away from Wall Street,

333
00:18:07,680 --> 00:18:10,359
Speaker 1: and even I didn't know how investing work. You've said,

334
00:18:10,520 --> 00:18:13,040
Speaker 1: how investing works, you said, or how the stock market worked.

335
00:18:13,240 --> 00:18:16,840
Speaker 1: So what was that aha moment for you? And I'm

336
00:18:17,080 --> 00:18:19,560
Speaker 1: even just getting a sense from our conversation so far,

337
00:18:19,680 --> 00:18:22,960
Speaker 1: I'm sure like you learned it and you were immediately like, Okay, great,

338
00:18:23,119 --> 00:18:25,000
Speaker 1: these are the facts. Now I'm going to implement this,

339
00:18:25,080 --> 00:18:26,840
Speaker 1: and four years later you're going to be in Portugal.

340
00:18:26,880 --> 00:18:29,560
Speaker 1: But walk us back to that moment. What was that

341
00:18:29,720 --> 00:18:31,560
Speaker 1: like for you? I mean you you even say that

342
00:18:31,600 --> 00:18:33,320
Speaker 1: you weren't even investing in your four oh one K

343
00:18:34,200 --> 00:18:34,480
Speaker 1: you know.

344
00:18:34,440 --> 00:18:37,560
Speaker 2: Well I was. I was. Actually I was investing it,

345
00:18:37,640 --> 00:18:42,879
Speaker 2: thank god, from twenty eleven, but without understanding anything what

346
00:18:42,960 --> 00:18:45,719
Speaker 2: was going on inside of it. Like literally my hr person,

347
00:18:46,080 --> 00:18:48,920
Speaker 2: which was a woman of color, a black woman, which

348
00:18:48,960 --> 00:18:51,720
Speaker 2: I'm like, thank god, somebody was looking out came to

349
00:18:51,760 --> 00:18:54,040
Speaker 2: me and said, excuse me, why aren't you investing in

350
00:18:54,040 --> 00:18:57,040
Speaker 2: the four one day? Literally free money? What are you

351
00:18:57,040 --> 00:18:59,480
Speaker 2: talking about? And I'm thinking, what are you talking about?

352
00:18:59,480 --> 00:19:00,840
Speaker 2: Why do I need to thinking about this right now?

353
00:19:00,920 --> 00:19:03,040
Speaker 2: I have all these student loans. You want me to

354
00:19:03,080 --> 00:19:05,840
Speaker 2: think about my life in my sixties, I don't have

355
00:19:06,200 --> 00:19:08,640
Speaker 2: I'm trying to make life work here in New York City.

356
00:19:09,320 --> 00:19:11,119
Speaker 2: She's like, no, no, no, you have to sign up for it.

357
00:19:11,280 --> 00:19:13,960
Speaker 2: Thank god she did that, And so I have had

358
00:19:14,000 --> 00:19:16,800
Speaker 2: it for the last ten years, and it is the

359
00:19:16,880 --> 00:19:19,600
Speaker 2: account that I'm most proud of because it's the one

360
00:19:19,600 --> 00:19:21,800
Speaker 2: that I've put the least amount of money and it's

361
00:19:21,840 --> 00:19:24,159
Speaker 2: grown the most. So it shows you, like the power

362
00:19:24,200 --> 00:19:26,600
Speaker 2: of compound interest, you know, we're.

363
00:19:26,520 --> 00:19:29,879
Speaker 1: Like we're stock markets soul sisters. I feel like because

364
00:19:29,880 --> 00:19:33,199
Speaker 1: I started my four one K and twenty eleven as well,

365
00:19:33,400 --> 00:19:36,240
Speaker 1: although I was for a year not investing at all.

366
00:19:36,480 --> 00:19:38,919
Speaker 1: And what I love about your story and actually I

367
00:19:39,000 --> 00:19:41,919
Speaker 1: was just CNBC recently ran a story that I wrote

368
00:19:41,920 --> 00:19:44,840
Speaker 1: about my net worth journey, and first of all, the

369
00:19:44,840 --> 00:19:48,480
Speaker 1: bros at CNBC on their ig page like I can

370
00:19:48,520 --> 00:19:51,119
Speaker 1: take it, Like what does that mean? You know, baby,

371
00:19:51,160 --> 00:19:51,720
Speaker 1: I'm a gangster.

372
00:19:51,760 --> 00:19:51,920
Speaker 2: Two.

373
00:19:52,040 --> 00:19:55,159
Speaker 1: So if you come for me and try to tell me, oh, well,

374
00:19:55,480 --> 00:19:58,119
Speaker 1: of course you your net worth increased. You know, the

375
00:19:58,160 --> 00:20:01,159
Speaker 1: stock market's been up for a decade, Like yeah, that's

376
00:20:01,359 --> 00:20:04,800
Speaker 1: the point. The point is that I started, and that

377
00:20:04,960 --> 00:20:07,840
Speaker 1: is what so many people struggle with. And that's what

378
00:20:07,880 --> 00:20:10,280
Speaker 1: I love about your story and mine is that those

379
00:20:10,320 --> 00:20:12,480
Speaker 1: little tiny baby for one case, they were like a

380
00:20:12,520 --> 00:20:14,639
Speaker 1: little seedling, you know, and I put my little money

381
00:20:14,640 --> 00:20:19,440
Speaker 1: in there and it was it's it's beautiful to see

382
00:20:19,440 --> 00:20:21,560
Speaker 1: the grow, but it's also like, yeah, give us our

383
00:20:21,720 --> 00:20:25,679
Speaker 1: give us our flowers for starting something before you. But

384
00:20:25,840 --> 00:20:28,320
Speaker 1: just like that, that that little like seed of faith

385
00:20:28,440 --> 00:20:30,879
Speaker 1: that you had that you're going to grow into something

386
00:20:30,960 --> 00:20:34,919
Speaker 1: larger and the patience and hell's yeah, we can celebrate it,

387
00:20:35,000 --> 00:20:39,480
Speaker 1: you know, a decade later. I love that. I love that, I.

388
00:20:39,440 --> 00:20:42,320
Speaker 2: Know, and it's such it's so frustrating with the bros

389
00:20:42,400 --> 00:20:46,560
Speaker 2: because they don't want to give us our props because

390
00:20:46,720 --> 00:20:50,280
Speaker 2: we were passive investors, were not stock pickers, right, we're

391
00:20:50,320 --> 00:20:54,520
Speaker 2: not day trading. And so because crypto we can, yeah,

392
00:20:54,720 --> 00:20:58,200
Speaker 2: we can't, like, you know, sign off on some fancy

393
00:20:58,200 --> 00:21:02,360
Speaker 2: stock that made us a pajillion percent return. Somehow that

394
00:21:02,560 --> 00:21:07,240
Speaker 2: lessons our accomplishment, which is complete bs because at the

395
00:21:07,320 --> 00:21:09,600
Speaker 2: end of the day, who makes money is the person

396
00:21:09,600 --> 00:21:13,560
Speaker 2: who did it consistently over time, patiently kept their money in,

397
00:21:14,080 --> 00:21:16,600
Speaker 2: let it grow, and didn't mess around with it. And

398
00:21:16,600 --> 00:21:20,960
Speaker 2: this is why women are statistically better investors than men now,

399
00:21:21,440 --> 00:21:24,040
Speaker 2: so because we know how to do this. And so

400
00:21:24,080 --> 00:21:26,960
Speaker 2: the only problem with women quote unquote women is that

401
00:21:27,000 --> 00:21:29,479
Speaker 2: we're not doing it enough. That's it. If we just

402
00:21:29,480 --> 00:21:32,320
Speaker 2: need to invest more, we need to participate more. But

403
00:21:33,920 --> 00:21:36,800
Speaker 2: when we do, we're great investors. So when I found

404
00:21:36,840 --> 00:21:39,640
Speaker 2: out about financial independence and I started learning about investing,

405
00:21:39,840 --> 00:21:44,520
Speaker 2: my reaction was anger. To be honest, I was really angry.

406
00:21:44,920 --> 00:21:47,600
Speaker 2: I was angry that I didn't know this stuff. I'm like,

407
00:21:47,640 --> 00:21:51,120
Speaker 2: how is it that I'm a professional making six figures,

408
00:21:51,160 --> 00:21:53,960
Speaker 2: like you said, living in New York City, surrounded by

409
00:21:54,000 --> 00:21:57,960
Speaker 2: stock market information all day long, and I don't understand

410
00:21:58,000 --> 00:22:01,640
Speaker 2: the basics of investing. That's how I knew. I was like, Wow,

411
00:22:01,680 --> 00:22:03,840
Speaker 2: if the information is not trickling down to me, it's

412
00:22:03,840 --> 00:22:06,320
Speaker 2: definitely not trickling down to other people. Because all I

413
00:22:06,320 --> 00:22:09,480
Speaker 2: hear everybody talking about is real estate. That's it. You

414
00:22:09,520 --> 00:22:11,480
Speaker 2: want to build wealth, you got to go buy something.

415
00:22:12,000 --> 00:22:14,080
Speaker 2: And so that's the message that I was adhering to,

416
00:22:14,359 --> 00:22:17,640
Speaker 2: hoarding cash in my savings account, chasing New York City

417
00:22:17,680 --> 00:22:21,680
Speaker 2: real estate, never getting anywhere, and I'm like, I don't

418
00:22:21,720 --> 00:22:25,439
Speaker 2: understand how are people building their net worth? Like how

419
00:22:25,480 --> 00:22:27,720
Speaker 2: am I ever going to stop working someday? It seems

420
00:22:27,720 --> 00:22:30,399
Speaker 2: like it's going to go on forever. And so when

421
00:22:30,440 --> 00:22:33,159
Speaker 2: I found out about it, that's why I was it

422
00:22:33,200 --> 00:22:34,919
Speaker 2: was such a quick buy in for me. I mean,

423
00:22:34,920 --> 00:22:38,159
Speaker 2: obviously I did my research, I looked into it, but

424
00:22:38,240 --> 00:22:40,679
Speaker 2: I was like, this is it, this is the way out.

425
00:22:41,359 --> 00:22:44,520
Speaker 2: And then I just started using social media to share

426
00:22:45,040 --> 00:22:49,280
Speaker 2: my own personal journey, and that's when it started growing

427
00:22:49,359 --> 00:22:50,480
Speaker 2: into something way more.

428
00:22:51,040 --> 00:22:53,440
Speaker 1: Yeah, So that decision that you made. I mean you,

429
00:22:53,840 --> 00:22:56,520
Speaker 1: like you said, is it right that you had this

430
00:22:56,560 --> 00:22:59,119
Speaker 1: big chunk of change like one hundred grand that you

431
00:22:59,160 --> 00:23:02,240
Speaker 1: had set aside for what a home like a down payment?

432
00:23:02,840 --> 00:23:05,680
Speaker 1: And you you discovered fire? And what did you decide

433
00:23:05,680 --> 00:23:06,920
Speaker 1: to do with that money instead?

434
00:23:07,600 --> 00:23:10,440
Speaker 2: So I split into three buckets. One was my emergency

435
00:23:10,440 --> 00:23:13,280
Speaker 2: fund because I need to sleep at night. I need

436
00:23:13,320 --> 00:23:16,840
Speaker 2: money in the bank, always in forever. And I tell

437
00:23:16,880 --> 00:23:20,320
Speaker 2: everybody that you do too. And then I sent another

438
00:23:20,359 --> 00:23:25,720
Speaker 2: big chunk to Naviant. Here, Naviant, take your freaking money.

439
00:23:26,600 --> 00:23:31,960
Speaker 2: Please get out of my face, okay, because no, this

440
00:23:32,200 --> 00:23:36,480
Speaker 2: was some Also this was October twenty nineteen, five months

441
00:23:36,520 --> 00:23:40,560
Speaker 2: before the pandemic. Yeah, you know, stock market is at

442
00:23:40,560 --> 00:23:43,640
Speaker 2: all time highs. I don't care. I'm like, I did

443
00:23:43,680 --> 00:23:45,680
Speaker 2: my research. I'm in it for the long run. Then

444
00:23:45,720 --> 00:23:47,879
Speaker 2: I took another fifty thousand dollars and I put it

445
00:23:47,880 --> 00:23:51,840
Speaker 2: in a brokerage account of Vanguard, five months before the pandemic.

446
00:23:52,280 --> 00:23:54,439
Speaker 2: So I did the scary thing that everybody's scared to do.

447
00:23:54,600 --> 00:23:56,159
Speaker 2: Oh my god, what if I put money in and

448
00:23:56,200 --> 00:23:59,600
Speaker 2: then the market crashes? It? Literally? I did it, and

449
00:23:59,680 --> 00:24:03,040
Speaker 2: guess what that money has recovered And continued to grow

450
00:24:03,119 --> 00:24:06,399
Speaker 2: since them totally fine. The S and P five hundred

451
00:24:06,440 --> 00:24:09,600
Speaker 2: was at twenty nine hundred when I did that, which

452
00:24:09,680 --> 00:24:13,080
Speaker 2: was all time highs. Today it's at forty four hundred.

453
00:24:14,600 --> 00:24:17,159
Speaker 1: Yeah, so that's fifty K. How what's the value today?

454
00:24:18,160 --> 00:24:20,400
Speaker 2: I mean, I don't have like the exact number on it,

455
00:24:20,640 --> 00:24:23,840
Speaker 2: but think about it. It dropped in value forty percent

456
00:24:23,920 --> 00:24:26,720
Speaker 2: in March, so I was down, Like it went into

457
00:24:26,760 --> 00:24:29,440
Speaker 2: my principle, which is the thing you never want, right,

458
00:24:29,560 --> 00:24:32,680
Speaker 2: So I lost all my growth and then the money,

459
00:24:32,800 --> 00:24:34,439
Speaker 2: some of the money that I put in, so it

460
00:24:34,520 --> 00:24:38,080
Speaker 2: was up to like almost sixty K by the time

461
00:24:38,119 --> 00:24:40,480
Speaker 2: the market crashed, so I put in fifty. It was

462
00:24:40,560 --> 00:24:43,040
Speaker 2: up till like sixty So I lost the ten that grew,

463
00:24:43,240 --> 00:24:45,440
Speaker 2: that grew, and then I lost another ten.

464
00:24:46,560 --> 00:24:49,120
Speaker 1: So what was your reaction? How did you stick with it?

465
00:24:49,600 --> 00:24:50,480
Speaker 1: How did you know? Yeah?

466
00:24:50,520 --> 00:24:53,440
Speaker 2: I mean it's funny because my reaction is actually documented

467
00:24:53,440 --> 00:24:56,000
Speaker 2: on Instagram because I remember, I'm in the middle of

468
00:24:56,080 --> 00:25:00,600
Speaker 2: launching my business. I'm talking about investing, and I'm literally

469
00:25:00,600 --> 00:25:04,720
Speaker 2: talking everybody else down off a ledge and I'm like,

470
00:25:05,040 --> 00:25:07,080
Speaker 2: this is the moment we've been waiting for. This is

471
00:25:07,200 --> 00:25:10,520
Speaker 2: what I've been telling you guys might happen, and so

472
00:25:11,960 --> 00:25:14,439
Speaker 2: I continue to pay off my student loans, but I

473
00:25:14,480 --> 00:25:17,520
Speaker 2: also continue to invest. And I'm so glad I did that,

474
00:25:17,560 --> 00:25:19,879
Speaker 2: and I did it all throughout twenty twenty. I actually

475
00:25:19,920 --> 00:25:23,840
Speaker 2: poured one hundred thousand dollars into the market in twenty twenty. Okay,

476
00:25:24,000 --> 00:25:24,680
Speaker 2: so glad I did.

477
00:25:24,960 --> 00:25:27,240
Speaker 1: So you don't know the exact value, I mean, do

478
00:25:27,320 --> 00:25:30,080
Speaker 1: you not? Typically I try to not look at my

479
00:25:30,119 --> 00:25:32,439
Speaker 1: accounts too too often. I try to look at my

480
00:25:32,480 --> 00:25:36,040
Speaker 1: net worth and that nice round number, and you know,

481
00:25:36,080 --> 00:25:39,200
Speaker 1: that's what I'm kind of focused on. But how often

482
00:25:39,359 --> 00:25:42,119
Speaker 1: are you checking your numbers? I think we got a

483
00:25:42,160 --> 00:25:45,040
Speaker 1: question from someone who was like, I've gotten it through

484
00:25:45,080 --> 00:25:47,760
Speaker 1: Mandy Money, Just how do I stop checking my accounts?

485
00:25:47,800 --> 00:25:51,800
Speaker 1: I'm obsessed with watching the progress. What's that relationship been

486
00:25:51,880 --> 00:25:52,360
Speaker 1: like for you?

487
00:25:53,160 --> 00:25:55,720
Speaker 2: I think in the beginning that's totally normal. If you're

488
00:25:55,920 --> 00:25:58,800
Speaker 2: brand into investing, of course they're going to be watching it, right.

489
00:25:58,880 --> 00:26:02,240
Speaker 2: It's something so new, especially if you didn't take a

490
00:26:02,320 --> 00:26:04,000
Speaker 2: lot of time to learn about the history of the

491
00:26:04,000 --> 00:26:07,040
Speaker 2: stock market. You're kind of learning on the go, so

492
00:26:07,119 --> 00:26:09,960
Speaker 2: that's why you're so nervous. But trust me, you'll get

493
00:26:09,960 --> 00:26:13,120
Speaker 2: bored with that, because let's will move on. You're gonna

494
00:26:13,119 --> 00:26:16,919
Speaker 2: get sick of seeing the ups and downs, and people

495
00:26:17,480 --> 00:26:19,120
Speaker 2: will just move on with their lives. So I think

496
00:26:19,119 --> 00:26:21,840
Speaker 2: that's actually a normal reaction. And I'm not gonna tell

497
00:26:21,880 --> 00:26:23,359
Speaker 2: you to not do it, because when you tell people

498
00:26:23,400 --> 00:26:25,200
Speaker 2: not to do something, then they really want to do it.

499
00:26:25,680 --> 00:26:28,600
Speaker 2: So it's fine. But I check my accounts every day.

500
00:26:28,600 --> 00:26:31,840
Speaker 2: But this is my job. Like that's why I look

501
00:26:31,840 --> 00:26:35,119
Speaker 2: at the market every day. I'm telling everybody, Hey, my account,

502
00:26:35,119 --> 00:26:38,679
Speaker 2: for instance today recording today, the market's down two percent.

503
00:26:40,400 --> 00:26:43,520
Speaker 2: My brokerage account just fell eight thousand dollars. Like I

504
00:26:43,600 --> 00:26:46,679
Speaker 2: know these things because I'm also sharing it with my audience.

505
00:26:46,680 --> 00:26:50,200
Speaker 2: I'm telling them, hey, I'm in it with you. I'm

506
00:26:50,240 --> 00:26:52,520
Speaker 2: seeing my account move down. Guess what I just did.

507
00:26:52,560 --> 00:26:55,640
Speaker 2: I just bought more. Like I'm talking them through it

508
00:26:55,960 --> 00:27:00,080
Speaker 2: as I'm experiencing, too, and I think that that calms people.

509
00:26:59,880 --> 00:27:03,080
Speaker 1: To yeah, okay, now that makes a lot of sense.

510
00:27:03,160 --> 00:27:05,080
Speaker 1: I try not to look. I don't even pay attention.

511
00:27:05,600 --> 00:27:09,119
Speaker 1: It was liberating. It's so much more liberating when you

512
00:27:09,200 --> 00:27:12,840
Speaker 1: feel like, okay, I am I've chosen this lifestyle as

513
00:27:12,840 --> 00:27:16,440
Speaker 1: a passive investor. The point of it is. It's called passive.

514
00:27:16,560 --> 00:27:18,480
Speaker 1: Like you just float. You know, you're on your little

515
00:27:18,560 --> 00:27:21,359
Speaker 1: raft and you're just floating and you're just enjoying the

516
00:27:21,400 --> 00:27:25,320
Speaker 1: scenery and it's all working for you. It's just having

517
00:27:25,400 --> 00:27:25,960
Speaker 1: that faith.

518
00:27:26,920 --> 00:27:29,000
Speaker 2: Let's talk look at my bar Okay, sorry, when I

519
00:27:29,040 --> 00:27:31,720
Speaker 2: look at my phone. Okay, that's what I did. I

520
00:27:31,720 --> 00:27:33,879
Speaker 2: ignored it for ten years. I'm just now aware of

521
00:27:33,960 --> 00:27:37,280
Speaker 2: it because I'm painfully aware of everything about investing. But

522
00:27:37,359 --> 00:27:39,840
Speaker 2: before that, I ignored it for years and guess what,

523
00:27:39,920 --> 00:27:41,960
Speaker 2: it grew and it did its thing, So.

524
00:27:41,880 --> 00:27:45,080
Speaker 1: You don't need to be watching it absolutely. Let's talk

525
00:27:45,080 --> 00:27:48,240
Speaker 1: about fire. Do you have a fire number? Is there

526
00:27:48,280 --> 00:27:50,679
Speaker 1: a I know we talked about time earlier in the

527
00:27:50,720 --> 00:27:52,439
Speaker 1: time when you want to be in Portugal, but is

528
00:27:52,440 --> 00:27:55,159
Speaker 1: there more than time? Is there like an actual number

529
00:27:55,240 --> 00:27:57,960
Speaker 1: you want to reach for your net worth or your

530
00:27:58,080 --> 00:28:00,960
Speaker 1: your portfolio before you know it's time to move.

531
00:28:01,280 --> 00:28:04,840
Speaker 2: Yeah, I don't necessarily need to hit fire to move.

532
00:28:05,240 --> 00:28:06,880
Speaker 2: I used to think that was the case, and it

533
00:28:07,040 --> 00:28:09,880
Speaker 2: was because I was tied to my nine to five, right,

534
00:28:09,920 --> 00:28:11,160
Speaker 2: So if I was going to stay in my nine

535
00:28:11,200 --> 00:28:13,639
Speaker 2: to five, then I had to hit fire before I

536
00:28:13,640 --> 00:28:16,480
Speaker 2: could quit my job. But I became financial independence sooner

537
00:28:16,520 --> 00:28:20,959
Speaker 2: because of my business, so things as changed faster than

538
00:28:20,960 --> 00:28:24,720
Speaker 2: I expected. But as far as financial independence, and I

539
00:28:24,800 --> 00:28:27,639
Speaker 2: like to call it financial dependence, relax early because I

540
00:28:27,640 --> 00:28:31,440
Speaker 2: think retiring just has this connotation that people get allergic

541
00:28:31,480 --> 00:28:34,040
Speaker 2: to it. They hear it, They're like, oh my god, retiring.

542
00:28:34,119 --> 00:28:40,200
Speaker 2: That sounds so done over right, And I'm like, it's

543
00:28:40,240 --> 00:28:42,800
Speaker 2: not that. It's just a moment where now you can

544
00:28:42,840 --> 00:28:46,560
Speaker 2: pause and decide what do you want your life to

545
00:28:46,600 --> 00:28:49,400
Speaker 2: look like? That's what it is. It gives you all

546
00:28:49,440 --> 00:28:52,640
Speaker 2: the freedom to decide. So for me, like I said,

547
00:28:52,680 --> 00:28:56,280
Speaker 2: financial independence relax early, I definitely have a number because

548
00:28:56,360 --> 00:28:59,360
Speaker 2: I'm very goal oriented, so I think it's important to

549
00:28:59,360 --> 00:29:01,880
Speaker 2: have a number. And so right now that number is

550
00:29:01,960 --> 00:29:04,320
Speaker 2: one and a half million, and that's just for me.

551
00:29:04,960 --> 00:29:07,840
Speaker 2: But what I a new term that I think I've coined.

552
00:29:07,880 --> 00:29:11,520
Speaker 2: I haven't heard anybody else use it is family fire,

553
00:29:11,640 --> 00:29:14,680
Speaker 2: which it means like, is there anybody else, like extended

554
00:29:14,720 --> 00:29:17,040
Speaker 2: family or someone outside of your household that you're also

555
00:29:17,080 --> 00:29:20,120
Speaker 2: saving and investing for which I am, which is my mom.

556
00:29:20,440 --> 00:29:23,360
Speaker 2: So our family fire number is actually two million, right

557
00:29:23,400 --> 00:29:25,400
Speaker 2: so to cover both me and my mom. And this

558
00:29:25,520 --> 00:29:28,920
Speaker 2: is all assuming that I am withdrawing somewhere between like

559
00:29:29,000 --> 00:29:32,080
Speaker 2: fifty to seventy thousand dollars a year to cover both

560
00:29:32,120 --> 00:29:35,760
Speaker 2: my living expences and her living expenses. So that's like

561
00:29:35,880 --> 00:29:39,840
Speaker 2: where you know, I'm directionally going. Obviously, things can change.

562
00:29:39,840 --> 00:29:41,520
Speaker 2: That number can go up, that number can go down,

563
00:29:41,560 --> 00:29:43,920
Speaker 2: And that's the beauty of fires that you're supposed to

564
00:29:44,000 --> 00:29:47,520
Speaker 2: be super flexible. Right, things can change, like the market

565
00:29:47,520 --> 00:29:50,280
Speaker 2: can change. Your plans can change, a lot of people

566
00:29:50,320 --> 00:29:52,400
Speaker 2: think that like you're locked in and then that's it,

567
00:29:52,840 --> 00:29:56,240
Speaker 2: or that you're living this pretty miserable, frugal lifestyle, right,

568
00:29:56,360 --> 00:30:00,560
Speaker 2: pinching pennies, cutting coupons, not enjoying yourself. Totally not true.

569
00:30:01,000 --> 00:30:04,600
Speaker 2: I travel, I spend money on leggings. I bought a peloton.

570
00:30:05,400 --> 00:30:07,840
Speaker 2: I You know, the thing is what I've realized is

571
00:30:07,840 --> 00:30:10,120
Speaker 2: that I've learned how to value what I want to

572
00:30:10,120 --> 00:30:12,400
Speaker 2: spend my money on, Like what am I going to

573
00:30:12,520 --> 00:30:15,080
Speaker 2: do to It's like the Marie condo of spending, Like,

574
00:30:15,360 --> 00:30:17,240
Speaker 2: you know, what is going to bring me the most joy,

575
00:30:17,360 --> 00:30:19,440
Speaker 2: I'm going to double down on those things and I'm

576
00:30:19,440 --> 00:30:23,320
Speaker 2: going to cut out all the junk. And you feel

577
00:30:23,320 --> 00:30:26,120
Speaker 2: a lot more like fulfilled when.

578
00:30:25,920 --> 00:30:29,600
Speaker 1: You do that, Yeah, when you talk about family fire,

579
00:30:29,720 --> 00:30:33,400
Speaker 1: I like that expression because I think especially that is

580
00:30:33,400 --> 00:30:37,960
Speaker 1: a point of view that isn't typically you know, spoken about,

581
00:30:38,000 --> 00:30:41,440
Speaker 1: because the people who generally lead conversations about fire are

582
00:30:41,680 --> 00:30:45,560
Speaker 1: you know, white men, white women, white families, and typically

583
00:30:45,560 --> 00:30:47,600
Speaker 1: they may not have to take care of a family

584
00:30:47,680 --> 00:30:49,600
Speaker 1: or take them along with them because their families are

585
00:30:49,680 --> 00:30:52,520
Speaker 1: fine already. But especially for you, you know, you're being an

586
00:30:52,560 --> 00:30:56,040
Speaker 1: immigrant with your with your mom, wanting to take care

587
00:30:56,080 --> 00:30:59,120
Speaker 1: of her and your your siblings as well. Do you

588
00:30:59,320 --> 00:31:03,240
Speaker 1: feel like I want to like phrase this the right

589
00:31:03,240 --> 00:31:06,640
Speaker 1: way because I got this question when I came clean.

590
00:31:06,800 --> 00:31:08,920
Speaker 1: I published a story on CNBC about my net worth

591
00:31:08,960 --> 00:31:11,040
Speaker 1: and how it's grown, and one of my really good

592
00:31:11,080 --> 00:31:13,640
Speaker 1: friends called me up and he's like, aren't you afraid

593
00:31:13,640 --> 00:31:15,160
Speaker 1: people are going to be coming with their hands out,

594
00:31:15,480 --> 00:31:17,920
Speaker 1: you know, trying to get those coins. And my reaction

595
00:31:18,080 --> 00:31:22,640
Speaker 1: was just like no, no, I mean it's not in

596
00:31:22,680 --> 00:31:24,920
Speaker 1: a way where it's I feel obligated to take care

597
00:31:24,960 --> 00:31:27,800
Speaker 1: of people, but it's like that's the point the point

598
00:31:27,840 --> 00:31:32,480
Speaker 1: of breaking you know, generational poverty and generational like lack

599
00:31:32,520 --> 00:31:35,800
Speaker 1: of knowledge of financial, financial finances and the financial markets

600
00:31:35,880 --> 00:31:38,520
Speaker 1: is to help them see what's possible in a way.

601
00:31:39,040 --> 00:31:41,880
Speaker 1: And I wonder there's a flip side though, It's like

602
00:31:42,320 --> 00:31:45,120
Speaker 1: you'd be surprised how much family doesn't want your advice

603
00:31:45,240 --> 00:31:47,760
Speaker 1: when you are like the money person. And so I'm

604
00:31:47,760 --> 00:31:50,320
Speaker 1: wondering what the dynamic is for you with your siblings,

605
00:31:50,320 --> 00:31:53,520
Speaker 1: with your mom. Do you feel like they they are

606
00:31:53,560 --> 00:31:55,520
Speaker 1: coming to you for advice. Are you trying to like

607
00:31:55,560 --> 00:31:58,240
Speaker 1: show them the way or are you just like, hey, uh,

608
00:31:58,520 --> 00:32:00,560
Speaker 1: hop on this fire train. Don't worry about how we're

609
00:32:00,600 --> 00:32:02,120
Speaker 1: getting there, but like, come on go.

610
00:32:02,840 --> 00:32:05,360
Speaker 2: That's kind of how I did it with my mom,

611
00:32:05,680 --> 00:32:11,360
Speaker 2: you know. She my mom basically was the stereotypical Latina mom,

612
00:32:11,400 --> 00:32:13,640
Speaker 2: where like the man took care of everything, my dad

613
00:32:13,680 --> 00:32:15,400
Speaker 2: took care of all the money in the household. She

614
00:32:15,560 --> 00:32:17,520
Speaker 2: just followed it along. She took care of us, you know,

615
00:32:17,600 --> 00:32:20,200
Speaker 2: that was her job. And so she is just now

616
00:32:20,280 --> 00:32:22,680
Speaker 2: learning about money herself because she now has a business

617
00:32:22,680 --> 00:32:24,920
Speaker 2: in Brazil. She has a little pet shop, and so

618
00:32:24,960 --> 00:32:28,400
Speaker 2: she's learning about money herself. And I send my mom

619
00:32:28,440 --> 00:32:30,280
Speaker 2: money every month. She doesn't have to work if she

620
00:32:30,280 --> 00:32:33,800
Speaker 2: didn't want to, but she likes work. She's the first

621
00:32:33,800 --> 00:32:37,040
Speaker 2: time that she's like independent so she's stepping into that

622
00:32:37,120 --> 00:32:38,960
Speaker 2: and I want to be encouraging of that, but I

623
00:32:39,040 --> 00:32:41,000
Speaker 2: also want to make sure that my mom's taken care of.

624
00:32:41,760 --> 00:32:44,080
Speaker 2: And I tell her, Mom, I could send you much more,

625
00:32:44,680 --> 00:32:46,959
Speaker 2: but I want you to know what the plan is

626
00:32:47,040 --> 00:32:48,600
Speaker 2: so you can see what I'm doing with the money.

627
00:32:48,640 --> 00:32:50,360
Speaker 2: And so I explained to her that I'm saving and

628
00:32:50,400 --> 00:32:52,280
Speaker 2: investing for us, that my plan is for us to

629
00:32:52,280 --> 00:32:54,840
Speaker 2: move to Portugal. What does she think of that I

630
00:32:54,840 --> 00:32:56,560
Speaker 2: would like to buy her a home. She's like, yeah,

631
00:32:56,600 --> 00:32:59,560
Speaker 2: that sounds amazing. I was going.

632
00:32:59,320 --> 00:33:02,480
Speaker 1: Down, totally down, absolutely.

633
00:33:02,720 --> 00:33:05,600
Speaker 2: So that's with my mom. With my sister, it was

634
00:33:05,600 --> 00:33:08,080
Speaker 2: a little different. It took me months to be able

635
00:33:08,080 --> 00:33:11,080
Speaker 2: to show her the power of investing and the stock

636
00:33:11,120 --> 00:33:13,600
Speaker 2: market and everything. And it's funny because I'm like, dude,

637
00:33:13,640 --> 00:33:15,640
Speaker 2: it's easier for me to teach strangers on the internet

638
00:33:15,680 --> 00:33:17,680
Speaker 2: about this stuff than it was with you. And that's

639
00:33:17,760 --> 00:33:20,560
Speaker 2: the you know how it is with family, Right, you're

640
00:33:20,560 --> 00:33:22,400
Speaker 2: going to approach family, it's always going to be there's

641
00:33:22,400 --> 00:33:24,920
Speaker 2: going to be more skepticism there. But the funny thing

642
00:33:24,920 --> 00:33:26,560
Speaker 2: is that we were both coaching each other because my

643
00:33:26,600 --> 00:33:29,120
Speaker 2: sister's my business coach and so here I am teaching

644
00:33:29,160 --> 00:33:31,440
Speaker 2: her about money and she's teaching me about business, and

645
00:33:31,520 --> 00:33:35,640
Speaker 2: so we were able to build that symbiotic relationship where

646
00:33:35,640 --> 00:33:38,200
Speaker 2: now she's an investor, she has her solo for one

647
00:33:38,240 --> 00:33:40,720
Speaker 2: K and everything, and she's helped me with my business.

648
00:33:40,760 --> 00:33:43,160
Speaker 2: So it's worked out really well.

649
00:33:43,760 --> 00:33:46,480
Speaker 1: I can't think of a less passive thing than running

650
00:33:46,480 --> 00:33:49,080
Speaker 1: a business. Like maybe we can be passive investors, but

651
00:33:49,120 --> 00:33:50,920
Speaker 1: you can't be a passive There's I don't feel like

652
00:33:50,960 --> 00:33:53,760
Speaker 1: there's a They call it passive income, but it's not

653
00:33:53,760 --> 00:33:56,280
Speaker 1: really fair because you, dude, you're doing all of your

654
00:33:56,280 --> 00:33:58,880
Speaker 1: own content. You you kill it on the reels and

655
00:33:58,920 --> 00:34:02,080
Speaker 1: whatever the tiktoks that you're doing, and it's like that

656
00:34:02,240 --> 00:34:05,680
Speaker 1: takes work the amount of time to create the content

657
00:34:06,040 --> 00:34:09,000
Speaker 1: that ain't passive, you know what I mean? What do

658
00:34:09,040 --> 00:34:11,600
Speaker 1: you feel like you're working now more than ever to

659
00:34:11,640 --> 00:34:13,759
Speaker 1: get to fire and it? But is it different because

660
00:34:13,800 --> 00:34:16,319
Speaker 1: you you know you're enjoying it more. Tell me what

661
00:34:16,320 --> 00:34:17,799
Speaker 1: the dynamic is now for you and work.

662
00:34:17,840 --> 00:34:20,560
Speaker 2: And I'm very again, I'm very transparent about my journey.

663
00:34:21,480 --> 00:34:23,399
Speaker 2: I am not one of those people who was like, oh,

664
00:34:23,440 --> 00:34:25,080
Speaker 2: I was able to do all of the things when

665
00:34:25,080 --> 00:34:27,680
Speaker 2: I launched my business. You know, I still got my managers,

666
00:34:27,719 --> 00:34:29,320
Speaker 2: and I still got this, and I still got to

667
00:34:29,440 --> 00:34:32,080
Speaker 2: enjoy my life and balance you know, No, okay, there

668
00:34:32,120 --> 00:34:35,120
Speaker 2: was no balance. I basically launched my business at the

669
00:34:35,160 --> 00:34:37,520
Speaker 2: height of the pandemic. We were all locked inside. There

670
00:34:37,560 --> 00:34:39,279
Speaker 2: was no balance in any of our lives. I think

671
00:34:39,400 --> 00:34:44,319
Speaker 2: in that time we were all either being overworked, overstressed, overeating,

672
00:34:44,520 --> 00:34:46,640
Speaker 2: over drinking. We were doing all the things to like

673
00:34:46,719 --> 00:34:50,040
Speaker 2: self soothe, right, And so for me, I threw myself

674
00:34:50,080 --> 00:34:52,880
Speaker 2: into my work. I threw myself into my business, and

675
00:34:52,920 --> 00:34:57,120
Speaker 2: so I worked like twelve fourteen hour days, but it

676
00:34:57,160 --> 00:35:00,520
Speaker 2: didn't feel like work because I was, you know, working

677
00:35:00,560 --> 00:35:02,959
Speaker 2: on something creative for the first time of my life.

678
00:35:02,960 --> 00:35:05,480
Speaker 2: Being an attorney is the opposite of being creative. It's

679
00:35:05,600 --> 00:35:08,319
Speaker 2: very rules based, right, It's very like, this is how

680
00:35:08,360 --> 00:35:12,480
Speaker 2: we do this. And so with my business, I got

681
00:35:12,480 --> 00:35:14,440
Speaker 2: to unlock a whole different side of my brain that

682
00:35:14,480 --> 00:35:17,239
Speaker 2: I didn't even know was there, and so I was

683
00:35:17,280 --> 00:35:19,719
Speaker 2: completely consumed with it. I absolutely loved it. And there

684
00:35:19,800 --> 00:35:22,080
Speaker 2: is a lot of front loading. When you start a business.

685
00:35:22,120 --> 00:35:23,480
Speaker 2: You are going to do a ton of work in

686
00:35:23,520 --> 00:35:27,120
Speaker 2: the beginning to like rev up and then eventually if

687
00:35:27,160 --> 00:35:28,840
Speaker 2: you do it right and you have a good coach,

688
00:35:28,880 --> 00:35:31,759
Speaker 2: which I did. She taught me how to build systems right.

689
00:35:31,800 --> 00:35:33,959
Speaker 2: You got to build systems, and you have to start

690
00:35:34,000 --> 00:35:37,640
Speaker 2: outsourcing things. Like if you don't start outsourcing things, if

691
00:35:37,680 --> 00:35:39,040
Speaker 2: you think you can do all of the things on

692
00:35:39,360 --> 00:35:40,960
Speaker 2: your own, you are going to burn out and your

693
00:35:40,960 --> 00:35:43,439
Speaker 2: business won't last very long. And I'm like, I want

694
00:35:43,440 --> 00:35:46,360
Speaker 2: this to be a sustainable business. Now I work like

695
00:35:46,960 --> 00:35:49,680
Speaker 2: ten twelve hours a week, you know, and most of

696
00:35:49,680 --> 00:35:53,120
Speaker 2: that is creating content and just engaging with my audience

697
00:35:53,160 --> 00:35:55,319
Speaker 2: on Instagram, which is stuff that I loved that I

698
00:35:55,360 --> 00:35:57,040
Speaker 2: used to do for free, So now I get to

699
00:35:57,040 --> 00:36:01,000
Speaker 2: do it as part of my business. So I I

700
00:36:01,320 --> 00:36:03,759
Speaker 2: am living like that stereotype of like do what you

701
00:36:03,840 --> 00:36:05,839
Speaker 2: love and you never feel like you work a day.

702
00:36:07,560 --> 00:36:10,520
Speaker 1: I always thought that was BS, but it's true, except

703
00:36:10,560 --> 00:36:12,200
Speaker 1: for all the ramp up. So tell me, I'm a

704
00:36:12,200 --> 00:36:15,280
Speaker 1: baby business owner. I don't know if you have followed

705
00:36:15,320 --> 00:36:19,200
Speaker 1: Brown Ambition, but I launched Launch sounds like such an

706
00:36:19,800 --> 00:36:23,000
Speaker 1: exciting and you know, a spectacular word, but I just

707
00:36:23,120 --> 00:36:25,840
Speaker 1: you know. I posted on Instagram that I was setting

708
00:36:25,920 --> 00:36:30,640
Speaker 1: up my own business in May or June, and tips

709
00:36:30,640 --> 00:36:33,960
Speaker 1: always kind of dropping little business coaching gems. But you

710
00:36:34,200 --> 00:36:36,520
Speaker 1: are I feel like, you know, how are you so

711
00:36:36,680 --> 00:36:39,320
Speaker 1: far ahead? But you're not even that far? Like you

712
00:36:39,320 --> 00:36:41,600
Speaker 1: you just quit your job in March, and I'm just

713
00:36:41,719 --> 00:36:43,919
Speaker 1: I feel like I'm just kind of accepting the fact

714
00:36:43,960 --> 00:36:47,120
Speaker 1: that I'm a you know, entrepreneur now. But tell me more,

715
00:36:47,239 --> 00:36:50,360
Speaker 1: give me more tips. So what were the things that

716
00:36:50,520 --> 00:36:52,680
Speaker 1: what are the things that you're outsourcing that you feel

717
00:36:52,680 --> 00:36:54,799
Speaker 1: like have helped your business grow and helped you get

718
00:36:54,800 --> 00:36:56,000
Speaker 1: to a ten hour work week?

719
00:36:56,680 --> 00:36:59,040
Speaker 2: Yeah, I mean, first of all, I got a virtual assistant.

720
00:37:00,040 --> 00:37:02,120
Speaker 2: A virtual assistant. They're in the Philippines. So if you're

721
00:37:02,120 --> 00:37:03,760
Speaker 2: starting out and you want.

722
00:37:03,520 --> 00:37:11,200
Speaker 1: To Philippines, they're amazing. Where do you find them or like, yeah,

723
00:37:11,239 --> 00:37:11,640
Speaker 1: you can.

724
00:37:11,520 --> 00:37:16,200
Speaker 2: Find them on fiver, on upwork. There's a website that's

725
00:37:16,239 --> 00:37:19,840
Speaker 2: like I think it's called Online Assistance dot pH or

726
00:37:19,880 --> 00:37:24,600
Speaker 2: something like that Virtual Assistants dot pH. But they are amazing.

727
00:37:24,719 --> 00:37:29,239
Speaker 2: Do not sleep on Philippine Virtual Assistance and so it's

728
00:37:29,239 --> 00:37:32,759
Speaker 2: a great way to start. Eventually, I will need a

729
00:37:32,840 --> 00:37:35,279
Speaker 2: personal assistant here in the States with me so that

730
00:37:35,320 --> 00:37:37,640
Speaker 2: we can be on the same time zone. But right

731
00:37:37,640 --> 00:37:40,960
Speaker 2: now it's all working out fine. But basically, what is that?

732
00:37:41,600 --> 00:37:44,520
Speaker 1: What is that VA doing that you find helpful?

733
00:37:44,800 --> 00:37:46,400
Speaker 2: Yes, So they're doing a lot of the stuff in

734
00:37:46,440 --> 00:37:48,960
Speaker 2: the background for me. So things that I used to do,

735
00:37:49,239 --> 00:37:54,680
Speaker 2: like when I go do my monthly class, I'd have

736
00:37:54,800 --> 00:37:58,600
Speaker 2: to email the list. I'd have to let everybody know

737
00:37:58,760 --> 00:38:02,040
Speaker 2: when it's happening, Hey, going live. Now i'd have to

738
00:38:02,080 --> 00:38:05,799
Speaker 2: do a tracking of who's buying when they're buying. I

739
00:38:05,840 --> 00:38:08,799
Speaker 2: have a community that's part of my course, and so

740
00:38:08,840 --> 00:38:11,680
Speaker 2: I need to track who's still part of the community

741
00:38:11,719 --> 00:38:15,600
Speaker 2: and whose community access has expired. They're doing all that tracking.

742
00:38:16,360 --> 00:38:20,040
Speaker 2: They also upload my videos. Whenever I'm done doing my class,

743
00:38:20,080 --> 00:38:22,960
Speaker 2: I have to upload the replay and send that out

744
00:38:23,239 --> 00:38:25,480
Speaker 2: to everybody who attended. I used to do all this

745
00:38:25,480 --> 00:38:28,000
Speaker 2: stuff manually, so I'd be done with my class and

746
00:38:28,040 --> 00:38:30,520
Speaker 2: then I would spend another two three hours on my computer,

747
00:38:30,680 --> 00:38:35,839
Speaker 2: like finalizing everything, uploading videos, editing videos to send that out.

748
00:38:35,880 --> 00:38:38,400
Speaker 2: And now I literally just turn off my computer and

749
00:38:38,440 --> 00:38:41,040
Speaker 2: I can go have a drink, you know, and they

750
00:38:41,040 --> 00:38:45,480
Speaker 2: take care of everything like that. So that's something major

751
00:38:45,520 --> 00:38:47,879
Speaker 2: that they do. They met. She manages my community where

752
00:38:47,880 --> 00:38:51,360
Speaker 2: people's submit questions, so she collects all those questions for me.

753
00:38:51,400 --> 00:38:52,560
Speaker 2: So at the end of the day, it's all like

754
00:38:52,600 --> 00:38:54,880
Speaker 2: in a spreadsheet. I can just go in and like

755
00:38:55,600 --> 00:38:59,080
Speaker 2: answer them. I coach my students two times a month,

756
00:38:59,760 --> 00:39:01,920
Speaker 2: and I want to take it to the next level though,

757
00:39:01,960 --> 00:39:04,200
Speaker 2: where I have an assistant also in my inbox, like

758
00:39:04,360 --> 00:39:08,520
Speaker 2: answering my email, scheduling my press calls, talking to people

759
00:39:08,520 --> 00:39:11,680
Speaker 2: about collaborations, Like I'm still doing all of that myself,

760
00:39:12,239 --> 00:39:14,479
Speaker 2: managing my email, but that's going to be the next level.

761
00:39:14,520 --> 00:39:16,440
Speaker 2: The one thing that I don't think I'll ever outsource

762
00:39:16,560 --> 00:39:20,000
Speaker 2: is my social media content, Like that's my face. Obviously,

763
00:39:20,040 --> 00:39:23,040
Speaker 2: I need to be present. That's the way I connect

764
00:39:23,040 --> 00:39:25,239
Speaker 2: with my audience. I write all my own captions, I

765
00:39:25,280 --> 00:39:28,080
Speaker 2: create all my own social media, but I have hired

766
00:39:28,120 --> 00:39:31,120
Speaker 2: a team to actually like post everything, so I don't

767
00:39:31,120 --> 00:39:33,319
Speaker 2: have to sit there and post things anymore. Like I

768
00:39:33,360 --> 00:39:35,680
Speaker 2: have somebody doing them making sure everything's going through. If

769
00:39:35,680 --> 00:39:38,279
Speaker 2: there's any glitches on Instagram, they take care of it.

770
00:39:38,760 --> 00:39:41,160
Speaker 2: So I create all of the creative but I have

771
00:39:41,280 --> 00:39:45,080
Speaker 2: people doing like the execution part of it. And you think, like,

772
00:39:45,120 --> 00:39:47,560
Speaker 2: what's the big deal, Like posting something on Instagram takes

773
00:39:47,600 --> 00:39:51,120
Speaker 2: two minutes. It doesn't. It takes time you.

774
00:39:51,520 --> 00:39:53,640
Speaker 1: Who are you telling? And like, TikTok to are you

775
00:39:53,719 --> 00:39:56,040
Speaker 1: on TikTok? Are you TikTok are you the realst girl?

776
00:39:56,320 --> 00:39:58,720
Speaker 2: No? I have two hundred thousand followers on TikTok.

777
00:39:59,000 --> 00:40:01,080
Speaker 1: Oh shit, okay, yeah, yes, I feel like I see

778
00:40:01,120 --> 00:40:04,000
Speaker 1: most of your content ig on ig because TikTok knows

779
00:40:04,000 --> 00:40:05,440
Speaker 1: me too well, and all they do is serve me.

780
00:40:05,480 --> 00:40:13,719
Speaker 1: Plant content, plants and TLC doctor pimple popper content. Love it? Yes, well,

781
00:40:13,719 --> 00:40:15,200
Speaker 1: I love that you're doing your own thing. And I

782
00:40:15,239 --> 00:40:18,359
Speaker 1: think it's all about what you enjoy doing right, And

783
00:40:18,400 --> 00:40:20,920
Speaker 1: I think it's doing the work that you enjoy at

784
00:40:21,200 --> 00:40:23,040
Speaker 1: the parts of your job that you enjoy doing that

785
00:40:23,120 --> 00:40:25,879
Speaker 1: and doing it unapologetically because I've heard, well, you've got

786
00:40:25,880 --> 00:40:27,480
Speaker 1: to outsource your social and you've got to do this,

787
00:40:27,520 --> 00:40:29,960
Speaker 1: and you've got to you know, outsource writing, you know,

788
00:40:30,000 --> 00:40:32,560
Speaker 1: your articles. I would never have someone ghostwrite for me.

789
00:40:32,640 --> 00:40:35,759
Speaker 1: I just I have done it, and I've I've had

790
00:40:35,800 --> 00:40:38,640
Speaker 1: writers who or have people who have things ghost written.

791
00:40:38,760 --> 00:40:41,160
Speaker 1: I don't know, I can't even I'm trying. I have

792
00:40:41,200 --> 00:40:43,680
Speaker 1: an admin she tried to write an email and even

793
00:40:43,760 --> 00:40:45,120
Speaker 1: that I'm like, oh no, no, no, this is how

794
00:40:45,160 --> 00:40:47,200
Speaker 1: I would say it like I have a particular way

795
00:40:47,239 --> 00:40:49,560
Speaker 1: of talking and speaking, and I'm like, maybe this isn't

796
00:40:49,560 --> 00:40:52,200
Speaker 1: something I can outsource, but so I appreciate that it's

797
00:40:52,239 --> 00:40:55,200
Speaker 1: about you know, but there's some things that I at

798
00:40:55,280 --> 00:40:58,399
Speaker 1: least can identify that I don't you know, that don't

799
00:40:58,440 --> 00:41:02,200
Speaker 1: need the magic Mandy touch or the magic flair you know,

800
00:41:02,360 --> 00:41:05,080
Speaker 1: or it's not even magic, just you know that personality,

801
00:41:05,680 --> 00:41:07,879
Speaker 1: which at the end of the day is how you're

802
00:41:07,920 --> 00:41:11,440
Speaker 1: connecting to your community, right it's through they come to

803
00:41:11,520 --> 00:41:15,680
Speaker 1: see you specifically talking about the topic that you're talking

804
00:41:15,719 --> 00:41:19,000
Speaker 1: and using your point of view. How do you feel like,

805
00:41:19,400 --> 00:41:21,000
Speaker 1: I mean, you're such a strong I mean you're a

806
00:41:21,040 --> 00:41:24,720
Speaker 1: strong woman with a strong point of view. I feel

807
00:41:24,719 --> 00:41:26,880
Speaker 1: like it took me even longer to get to a

808
00:41:26,880 --> 00:41:29,120
Speaker 1: place because my backgrounds and journalism. I was in the

809
00:41:29,160 --> 00:41:33,919
Speaker 1: background interviewing the Delhians and the Tiffany's and learning a ton,

810
00:41:34,320 --> 00:41:37,279
Speaker 1: But it wasn't until the last year where I kind

811
00:41:37,320 --> 00:41:39,040
Speaker 1: of stood up and said, you know, I have a

812
00:41:39,080 --> 00:41:44,040
Speaker 1: point of view. I have thoughts, I have I have ideas,

813
00:41:44,320 --> 00:41:46,800
Speaker 1: I do have opinions and strong ones at that about

814
00:41:46,840 --> 00:41:49,360
Speaker 1: how you know you manage your finances? In your career

815
00:41:49,360 --> 00:41:51,640
Speaker 1: and all of that. Where do you think that confidence

816
00:41:51,719 --> 00:41:55,880
Speaker 1: came from for you? Because I admire it a lot.

817
00:41:56,280 --> 00:42:00,480
Speaker 2: Thank you. I think I've always been very focused in

818
00:42:00,520 --> 00:42:03,480
Speaker 2: my life. I you know, you don't put yourself through

819
00:42:03,560 --> 00:42:06,600
Speaker 2: law school, buy yourself and pay off one hundred thousan

820
00:42:06,600 --> 00:42:09,080
Speaker 2: dollars student loans when you don't have like a ton

821
00:42:09,120 --> 00:42:11,640
Speaker 2: of focus. So I've always been a very focused person

822
00:42:11,719 --> 00:42:15,480
Speaker 2: in my life. But that being said, I always credit

823
00:42:15,520 --> 00:42:19,399
Speaker 2: my sister with helping me find my voice. Because when

824
00:42:19,400 --> 00:42:21,120
Speaker 2: I first started my business, I'm like, should I talk

825
00:42:21,160 --> 00:42:24,280
Speaker 2: about paying off debt? Should I talk about building credit?

826
00:42:24,280 --> 00:42:26,600
Speaker 2: Should I talk about investing? I was trying to go

827
00:42:26,640 --> 00:42:30,680
Speaker 2: all different directions. She's like, you can't be something for everyone.

828
00:42:30,800 --> 00:42:32,319
Speaker 2: She's like, no one's going to listen to you if

829
00:42:32,360 --> 00:42:35,920
Speaker 2: you try to serve too many people, who can you

830
00:42:35,960 --> 00:42:37,959
Speaker 2: serve the best? And what are you going to enjoy

831
00:42:38,000 --> 00:42:40,920
Speaker 2: the most? And let's double down on that. And so

832
00:42:41,560 --> 00:42:44,480
Speaker 2: when I realized that, yes, payingoff debt is super important,

833
00:42:44,480 --> 00:42:46,920
Speaker 2: managing money is super important. But the thing that I

834
00:42:46,960 --> 00:42:49,080
Speaker 2: was feeling the most passionate and fired up about, no

835
00:42:49,160 --> 00:42:52,319
Speaker 2: pun intended, was financial the penance right, It was the

836
00:42:52,400 --> 00:42:57,839
Speaker 2: journey that I myself was personally going on, and I'm like, gosh,

837
00:42:57,920 --> 00:42:59,719
Speaker 2: I really want to bring people with me. I don't

838
00:42:59,760 --> 00:43:02,120
Speaker 2: want to, you know, be alone in this journey. Always.

839
00:43:02,239 --> 00:43:04,640
Speaker 2: I also felt kind of alone when I started, and

840
00:43:04,719 --> 00:43:07,080
Speaker 2: so it was, you know, from a selfish blaze of

841
00:43:07,160 --> 00:43:09,520
Speaker 2: like not wanting to be by myself and wanting to share.

842
00:43:10,200 --> 00:43:14,200
Speaker 2: And it's what I was educating and consuming at the moment.

843
00:43:14,239 --> 00:43:18,640
Speaker 2: I was just reading everything I could touch about this subject.

844
00:43:18,800 --> 00:43:20,879
Speaker 2: And so my sister, you know, was like, well, let's

845
00:43:20,920 --> 00:43:24,160
Speaker 2: do that. Let's focus on financial independence, let's focus on investing.

846
00:43:24,200 --> 00:43:26,360
Speaker 2: This is what you're you know, it seems to be

847
00:43:26,520 --> 00:43:29,600
Speaker 2: like your passion project, and let's grow from there. And

848
00:43:29,640 --> 00:43:32,840
Speaker 2: so having that direction helped to like clear out a

849
00:43:32,880 --> 00:43:35,000
Speaker 2: lot of noise, and I didn't waste a lot of time,

850
00:43:35,000 --> 00:43:38,040
Speaker 2: because I think with the new entrepreneurs, unfortunately, finding your

851
00:43:38,120 --> 00:43:42,520
Speaker 2: voice is something where a lot of your like that

852
00:43:42,600 --> 00:43:45,320
Speaker 2: initial rev up, that initial oh my god, I'm so motivated,

853
00:43:45,360 --> 00:43:47,680
Speaker 2: I'm feeling so passionate. You can waste a lot of

854
00:43:47,680 --> 00:43:51,480
Speaker 2: that good energy just finding your niche. And so if

855
00:43:51,480 --> 00:43:53,719
Speaker 2: you can kind of clear through that pretty quickly and

856
00:43:53,880 --> 00:43:57,000
Speaker 2: just get to the point where you're like launching your offer, Like,

857
00:43:57,000 --> 00:43:59,520
Speaker 2: what is it that you're going to sell? Just sell it.

858
00:44:00,480 --> 00:44:03,520
Speaker 2: You will save a lot of headaches, right, And what

859
00:44:03,640 --> 00:44:05,840
Speaker 2: I always tell people is like, don't worry about the branding.

860
00:44:05,920 --> 00:44:08,160
Speaker 2: It doesn't matter what your colors are, It doesn't matter

861
00:44:08,200 --> 00:44:10,640
Speaker 2: what kind of website you have. I did not just

862
00:44:11,280 --> 00:44:13,439
Speaker 2: launch a website. I launched my website two months ago.

863
00:44:14,239 --> 00:44:16,200
Speaker 2: So I hit a million dollars in revenue in my

864
00:44:16,239 --> 00:44:17,520
Speaker 2: business without a website.

865
00:44:18,239 --> 00:44:20,160
Speaker 1: Wow, okay, you don't need a website.

866
00:44:20,239 --> 00:44:23,320
Speaker 2: So you need a landing page to sell your product,

867
00:44:23,800 --> 00:44:24,319
Speaker 2: that's it.

868
00:44:24,840 --> 00:44:28,640
Speaker 1: Yeah, so let's talk about that product. Because so you've learned,

869
00:44:28,880 --> 00:44:31,799
Speaker 1: you've learned the stock market. What is it that? So

870
00:44:31,840 --> 00:44:34,120
Speaker 1: you have a course, you have a community what?

871
00:44:34,719 --> 00:44:34,759
Speaker 2: So?

872
00:44:35,520 --> 00:44:38,200
Speaker 1: Yeah, tell the BA audience where they can find your

873
00:44:38,239 --> 00:44:40,120
Speaker 1: content and what they can expect when they do.

874
00:44:40,800 --> 00:44:43,719
Speaker 2: Sure. So I launched Slay a stock Market a year ago.

875
00:44:43,920 --> 00:44:46,880
Speaker 2: Actually it was exactly September a year ago, and I

876
00:44:47,000 --> 00:44:50,200
Speaker 2: researched class. I thank you. I've taught the class live

877
00:44:50,320 --> 00:44:53,759
Speaker 2: to ten people, and I was ecstatic because I'm like,

878
00:44:53,800 --> 00:44:55,400
Speaker 2: oh my god, I can't believe ten people showed up

879
00:44:55,400 --> 00:44:58,600
Speaker 2: for this amazing And so I took all of that

880
00:44:58,760 --> 00:45:01,840
Speaker 2: content that I created for that class, and then my

881
00:45:02,080 --> 00:45:04,040
Speaker 2: message was like, well, let's turn this into a course.

882
00:45:04,200 --> 00:45:05,440
Speaker 2: You know, like you did it, you did all the

883
00:45:05,440 --> 00:45:08,040
Speaker 2: heavy lifting, you taught it, you created it. Let's turn

884
00:45:08,040 --> 00:45:11,840
Speaker 2: it into a course. And so I, you know, packaged

885
00:45:11,880 --> 00:45:14,239
Speaker 2: it in a in a digital way where people can

886
00:45:14,320 --> 00:45:17,440
Speaker 2: like purchase it altogether. And so now it's a digital

887
00:45:17,440 --> 00:45:19,359
Speaker 2: course that you can purchase, you can watch at your

888
00:45:19,360 --> 00:45:23,719
Speaker 2: own pace, and coupled with access to me with you know,

889
00:45:23,800 --> 00:45:26,120
Speaker 2: group coaching. So I go live twice a month and

890
00:45:26,160 --> 00:45:29,320
Speaker 2: I answer questions and I guide people through the material.

891
00:45:29,760 --> 00:45:33,080
Speaker 2: And so that combination of those two things is basically

892
00:45:33,160 --> 00:45:37,840
Speaker 2: you know, the product, and that's what I've been selling.

893
00:45:37,960 --> 00:45:40,560
Speaker 2: That's the only offer I have. I have no other products.

894
00:45:40,760 --> 00:45:41,200
Speaker 2: This is it.

895
00:45:41,239 --> 00:45:45,200
Speaker 1: Okay, there's no Delian t shirt, no Deli tote bag.

896
00:45:45,880 --> 00:45:50,640
Speaker 2: Nope, there's nothing else. So that's another misconception. People are like, oh,

897
00:45:50,719 --> 00:45:54,160
Speaker 2: I need multiple products, you know, to have a successful business.

898
00:45:54,239 --> 00:45:56,719
Speaker 2: Let me do this, let me do that. I barely

899
00:45:56,800 --> 00:46:00,319
Speaker 2: do sponsored content. I don't even like doing sponsored as

900
00:46:00,920 --> 00:46:03,840
Speaker 2: all right. I don't like it. I'm very picky with it.

901
00:46:03,880 --> 00:46:07,080
Speaker 2: I've done maybe six or seven collaborations total in the

902
00:46:07,200 --> 00:46:10,440
Speaker 2: entire time that I've been in business. So for me,

903
00:46:10,680 --> 00:46:13,400
Speaker 2: I'm very picky about what I you know, who I

904
00:46:13,440 --> 00:46:18,600
Speaker 2: collaborate with, and but that's it. The ninety five percent

905
00:46:18,600 --> 00:46:19,960
Speaker 2: of the money that I've made in my business has

906
00:46:20,000 --> 00:46:21,880
Speaker 2: come from my course. The other five percent has come

907
00:46:21,920 --> 00:46:26,759
Speaker 2: from a few sponsorships and from speak engagements. I do

908
00:46:26,760 --> 00:46:29,520
Speaker 2: do workshops, like corporate workshops, so I've done one for Google.

909
00:46:29,719 --> 00:46:33,040
Speaker 2: I've done one for Hubble, so I do do that

910
00:46:33,120 --> 00:46:35,080
Speaker 2: as well, but the bulk of it has come from

911
00:46:35,120 --> 00:46:35,840
Speaker 2: this course.

912
00:46:36,680 --> 00:46:39,279
Speaker 1: That's exciting. So I mean, how do you keep that

913
00:46:39,320 --> 00:46:42,200
Speaker 1: fresh and engaging for yourself? Like? Do you It's only

914
00:46:42,280 --> 00:46:44,440
Speaker 1: been a year. And again I'm not trying, Like you know,

915
00:46:44,560 --> 00:46:47,480
Speaker 1: I'm not listen. I have one baby and already people,

916
00:46:47,719 --> 00:46:50,400
Speaker 1: I'm he's about to turn two. And just this morning,

917
00:46:50,440 --> 00:46:53,359
Speaker 1: I'm my mom was calling and she's like, no, no,

918
00:46:53,400 --> 00:46:56,799
Speaker 1: it's never that direct. It's always like today. It was

919
00:46:57,719 --> 00:47:00,040
Speaker 1: today it was I don't know, man, how are you

920
00:47:00,080 --> 00:47:01,680
Speaker 1: going to top this kid? I'm like, what do you mean?

921
00:47:01,719 --> 00:47:02,399
Speaker 1: How am I going to top?

922
00:47:02,480 --> 00:47:02,759
Speaker 2: End? Well?

923
00:47:02,800 --> 00:47:04,759
Speaker 1: When you know it's going to be a tough act

924
00:47:04,760 --> 00:47:07,200
Speaker 1: to follow when you have the next, And I'm like, babe,

925
00:47:07,320 --> 00:47:09,520
Speaker 1: I don't know, just like I can't. I'm on the

926
00:47:09,520 --> 00:47:10,920
Speaker 1: way at the grocery store. I don't want to talk

927
00:47:10,920 --> 00:47:11,399
Speaker 1: about it right.

928
00:47:11,320 --> 00:47:14,719
Speaker 2: Now, disconnected. Sorry, Yes, But when.

929
00:47:14,520 --> 00:47:17,840
Speaker 1: You think about you're so passionate and especially about educating

930
00:47:17,880 --> 00:47:21,040
Speaker 1: Latinas in this community, what do you think is next?

931
00:47:21,239 --> 00:47:23,160
Speaker 1: Is there a next level? Is there something else that

932
00:47:23,200 --> 00:47:25,920
Speaker 1: you want people to learn about that you're equally passionate about.

933
00:47:26,760 --> 00:47:29,000
Speaker 2: I mean, now that I have launched the business from

934
00:47:29,040 --> 00:47:31,600
Speaker 2: beginning to end, right, I feel like the next progression

935
00:47:31,719 --> 00:47:36,520
Speaker 2: is helping people to understand social media better because I

936
00:47:36,560 --> 00:47:40,000
Speaker 2: absolutely love it, and I'm now noticing that people do

937
00:47:40,040 --> 00:47:44,040
Speaker 2: struggle with creating content and creating social media and understanding,

938
00:47:44,440 --> 00:47:47,160
Speaker 2: you know, how to create engaging content. For me, it's

939
00:47:47,200 --> 00:47:49,399
Speaker 2: something that comes really natural to me. Again, I think

940
00:47:49,440 --> 00:47:53,200
Speaker 2: we tend to downplay our gifts because because something comes

941
00:47:53,239 --> 00:47:55,640
Speaker 2: naturally to you doesn't mean that it doesn't have value

942
00:47:55,640 --> 00:47:58,680
Speaker 2: of you teaching it to someone else. And so that's

943
00:47:58,680 --> 00:48:01,000
Speaker 2: something that I've done my whole life, is like, oh

944
00:48:01,040 --> 00:48:03,160
Speaker 2: I understand this, so everybody else must too, and you

945
00:48:03,280 --> 00:48:07,359
Speaker 2: just assume, right. So I'm learning to like not do that,

946
00:48:07,880 --> 00:48:10,000
Speaker 2: but I think learning, you know, teaching people how to

947
00:48:10,040 --> 00:48:14,120
Speaker 2: grow on Instagram, on TikTok and and launch their own businesses.

948
00:48:14,640 --> 00:48:16,520
Speaker 2: I think that will probably be the next progression because

949
00:48:16,560 --> 00:48:20,520
Speaker 2: I get business questions all the time and so I

950
00:48:20,600 --> 00:48:22,719
Speaker 2: love talking about that just as much as investing, So

951
00:48:22,760 --> 00:48:26,200
Speaker 2: that would probably be the next product, but not for

952
00:48:26,239 --> 00:48:29,799
Speaker 2: a while. I'm like, I just feel like with investing,

953
00:48:30,200 --> 00:48:32,040
Speaker 2: it's incredible to me that people try to do so

954
00:48:32,120 --> 00:48:34,160
Speaker 2: much when it comes to the personal finance base because

955
00:48:34,160 --> 00:48:37,840
Speaker 2: I'm like, how I learned something new about investing every day,

956
00:48:38,520 --> 00:48:40,439
Speaker 2: So you know when people are like, oh, why don't

957
00:48:40,480 --> 00:48:42,040
Speaker 2: you branch out into this? Why don't you branch out

958
00:48:42,040 --> 00:48:45,640
Speaker 2: into this? And I'm like, I feel like I am deeply,

959
00:48:46,200 --> 00:48:49,640
Speaker 2: you know, involved in investing because it's like there's constantly

960
00:48:49,719 --> 00:48:53,239
Speaker 2: new laws coming out, new regulations, just like just like

961
00:48:53,280 --> 00:48:55,440
Speaker 2: employment law. When I was an employment attorney, I'm like,

962
00:48:55,440 --> 00:48:57,640
Speaker 2: I couldn't imagine doing any other kind of law because

963
00:48:57,680 --> 00:49:01,000
Speaker 2: there's constantly new case law coming out out and keeping

964
00:49:01,000 --> 00:49:03,840
Speaker 2: things fresh. And that's how investing is. I mean, Biden

965
00:49:03,920 --> 00:49:06,000
Speaker 2: is about to pass a ton of new laws that's

966
00:49:06,040 --> 00:49:09,400
Speaker 2: going to change the game. So I feel like that

967
00:49:09,480 --> 00:49:11,200
Speaker 2: keeps things really fresh and interesting.

968
00:49:11,880 --> 00:49:14,600
Speaker 1: Yeah, and tax codes too. I've never cared so much

969
00:49:14,640 --> 00:49:19,480
Speaker 1: about the tax code until so much. Yes, God, I

970
00:49:19,480 --> 00:49:21,160
Speaker 1: wish I could keep talking to you and asking you

971
00:49:21,239 --> 00:49:25,280
Speaker 1: many questions, but I do want to get to y'all's questions.

972
00:49:25,320 --> 00:49:26,640
Speaker 1: You know, you got to tune in for our b

973
00:49:26,760 --> 00:49:29,279
Speaker 1: a Q and A show on Fridays. But let me

974
00:49:29,800 --> 00:49:32,200
Speaker 1: let me close with this. I mean, because I think

975
00:49:32,840 --> 00:49:35,960
Speaker 1: just from the outside looking at obviously, it seems like Delianne,

976
00:49:36,000 --> 00:49:37,959
Speaker 1: you just got here and you're already killing the game.

977
00:49:38,160 --> 00:49:40,799
Speaker 1: And you know, I'm learning a lot just from watching you,

978
00:49:40,880 --> 00:49:43,440
Speaker 1: and I'm just loving it because it feels like there's

979
00:49:43,440 --> 00:49:45,960
Speaker 1: more people at the cookout now, it's just it's a party,

980
00:49:46,080 --> 00:49:48,000
Speaker 1: you know what I mean, Like, there's just more voices,

981
00:49:48,760 --> 00:49:52,520
Speaker 1: and I just I really relate to your content as well.

982
00:49:52,880 --> 00:49:57,520
Speaker 1: What makes you proudest about your platform and the work

983
00:49:57,520 --> 00:50:00,279
Speaker 1: that you're doing now thinking about where you've come from

984
00:50:00,360 --> 00:50:03,120
Speaker 1: and where you are now, I mean, what brings you

985
00:50:03,719 --> 00:50:06,160
Speaker 1: the most story And you're like, yeah, I did the

986
00:50:06,239 --> 00:50:06,680
Speaker 1: damn thing.

987
00:50:07,400 --> 00:50:10,520
Speaker 2: Yeah, I am just so proud that I'm opening the

988
00:50:10,600 --> 00:50:12,920
Speaker 2: door for so many people to think about money in

989
00:50:12,960 --> 00:50:16,040
Speaker 2: a different way. I've been approached by so many people saying,

990
00:50:16,080 --> 00:50:18,920
Speaker 2: you know, I've heard other people talk about this talk

991
00:50:19,000 --> 00:50:21,480
Speaker 2: lite investing in the stock market, but I didn't trust them,

992
00:50:21,960 --> 00:50:25,120
Speaker 2: and I trust you, and I take that really seriously.

993
00:50:25,280 --> 00:50:29,000
Speaker 2: I'm like, wow, like having somebody's trust. I don't take

994
00:50:29,000 --> 00:50:31,279
Speaker 2: that lightly, you know. And so I don't know if

995
00:50:31,280 --> 00:50:33,319
Speaker 2: that's from me being an attorney or it's just you know,

996
00:50:33,360 --> 00:50:35,560
Speaker 2: hopefully I could say it's part of my character and

997
00:50:35,600 --> 00:50:40,239
Speaker 2: my integrity, but I take that really seriously. I think

998
00:50:40,239 --> 00:50:42,759
Speaker 2: that I'm out there representing our community, and I try

999
00:50:42,760 --> 00:50:46,719
Speaker 2: to do it, you know, with nobility and with honesty.

1000
00:50:46,840 --> 00:50:49,560
Speaker 2: And I always try to tell my audience like, I'm

1001
00:50:49,560 --> 00:50:52,000
Speaker 2: trying to be as transparent as possible. Probably a little

1002
00:50:52,000 --> 00:50:53,640
Speaker 2: too much. My mom's like, do you need to be

1003
00:50:53,719 --> 00:50:57,799
Speaker 2: as transparent? Yeah, some people are a little concerned. But

1004
00:50:58,800 --> 00:51:01,120
Speaker 2: I'm really proud of the movement that I'm seeing in

1005
00:51:01,120 --> 00:51:03,319
Speaker 2: the Latino community because I think for a long time

1006
00:51:03,360 --> 00:51:06,560
Speaker 2: we have been fearful of the financial industry with cause

1007
00:51:07,000 --> 00:51:11,440
Speaker 2: like we have been we have been targeted, we have

1008
00:51:11,520 --> 00:51:14,640
Speaker 2: been abused, we have been neglected by the financial community,

1009
00:51:15,000 --> 00:51:18,160
Speaker 2: and so I feel like I'm trying to bridge some

1010
00:51:18,280 --> 00:51:21,200
Speaker 2: of that gap, and I think I'm, you know, making

1011
00:51:21,239 --> 00:51:23,920
Speaker 2: my own little dent in a way. And so whenever

1012
00:51:24,040 --> 00:51:27,200
Speaker 2: I do meet a new Latino Latina who is like, dude,

1013
00:51:27,200 --> 00:51:29,160
Speaker 2: I started investing because of you. Thank you so much

1014
00:51:29,200 --> 00:51:31,759
Speaker 2: for everything that you did, that is that's a huge,

1015
00:51:31,840 --> 00:51:38,240
Speaker 2: huge compliment, and I am honored that anybody is using

1016
00:51:38,280 --> 00:51:41,840
Speaker 2: my content to change their life. It's amazing.

1017
00:51:42,880 --> 00:51:45,480
Speaker 1: I love that I lied, though, I have another question.

1018
00:51:45,760 --> 00:51:49,560
Speaker 1: I can't stop thinking about what an extraordinary story you

1019
00:51:49,600 --> 00:51:52,600
Speaker 1: have and the fact that you got citizenship just how

1020
00:51:52,600 --> 00:51:54,160
Speaker 1: many years ago? Four or five years ago.

1021
00:51:54,280 --> 00:52:00,480
Speaker 2: Yeah, I became a citizen in twenty fifteen before the

1022
00:52:00,520 --> 00:52:03,760
Speaker 2: presidential So the Trump election was my first time.

1023
00:52:07,160 --> 00:52:10,480
Speaker 1: I wanted to ask, what's your relationship? I'm still figuring

1024
00:52:10,520 --> 00:52:13,240
Speaker 1: out and I you know, I feel like Michelle Obama,

1025
00:52:13,400 --> 00:52:16,000
Speaker 1: she got into some hot water. I'm not at all

1026
00:52:16,080 --> 00:52:20,480
Speaker 1: Michelle Obama's level. But whenever anybody tries to be a

1027
00:52:20,520 --> 00:52:22,600
Speaker 1: tiny bit critical of our country, I feel like people

1028
00:52:22,640 --> 00:52:24,799
Speaker 1: get really upset about it. But you know what, Hey,

1029
00:52:25,160 --> 00:52:28,000
Speaker 1: you like your family. I feel like the country is

1030
00:52:28,040 --> 00:52:30,000
Speaker 1: my family, so I can be a little critical. You know,

1031
00:52:30,160 --> 00:52:31,920
Speaker 1: it's Thanksgiving and you come over and it's like, oh,

1032
00:52:31,960 --> 00:52:33,400
Speaker 1: it is your gain weight, Like you can say that,

1033
00:52:33,960 --> 00:52:36,719
Speaker 1: But what is your relationship like with this country? Now?

1034
00:52:36,760 --> 00:52:39,839
Speaker 1: I mean you you came here undocumented at eight years old,

1035
00:52:39,880 --> 00:52:43,759
Speaker 1: You're from Brazil. You you kill yourself in school to

1036
00:52:44,000 --> 00:52:46,560
Speaker 1: become an attorney. You get saddled with six figure debt

1037
00:52:46,600 --> 00:52:48,560
Speaker 1: and by the way, got no financial aid because you

1038
00:52:48,600 --> 00:52:53,359
Speaker 1: weren't you know, a citizen. You you pay that debt off.

1039
00:52:53,440 --> 00:52:57,400
Speaker 1: Now you're teaching people to be stock market investors and

1040
00:52:57,480 --> 00:53:02,200
Speaker 1: empowering women in the Latina community. How do you feel

1041
00:53:02,239 --> 00:53:05,400
Speaker 1: about this country? And you're about to leave us? And

1042
00:53:05,440 --> 00:53:07,399
Speaker 1: I'm kind of like, well, damn, we're losing a good one.

1043
00:53:07,440 --> 00:53:10,480
Speaker 1: But how has that changed? How has your relationship change

1044
00:53:10,520 --> 00:53:11,160
Speaker 1: with America?

1045
00:53:11,680 --> 00:53:14,759
Speaker 2: Yeah? I mean it's always going to be complex, right,

1046
00:53:14,800 --> 00:53:16,920
Speaker 2: And I think the most beautiful thing about where we

1047
00:53:16,960 --> 00:53:20,239
Speaker 2: live is the fact that just because I'm proud to

1048
00:53:20,360 --> 00:53:22,719
Speaker 2: be here and I fought really hard to become an

1049
00:53:22,760 --> 00:53:25,800
Speaker 2: American citizen and I'm so glad i am, that doesn't

1050
00:53:25,840 --> 00:53:28,799
Speaker 2: mean that I don't have a right to criticize my

1051
00:53:28,880 --> 00:53:32,200
Speaker 2: country like I have every right and I do. You know,

1052
00:53:32,360 --> 00:53:35,080
Speaker 2: I tell people all the time that capitalism is a

1053
00:53:35,200 --> 00:53:38,920
Speaker 2: problematic system, right, But we can't just opt out of it.

1054
00:53:39,360 --> 00:53:43,080
Speaker 2: So this idea of like, oh, capitalism, you know, is

1055
00:53:43,719 --> 00:53:46,080
Speaker 2: the core of everything. It's the reason why we're in

1056
00:53:46,160 --> 00:53:48,120
Speaker 2: the trouble that we are. So you shouldn't invest, you

1057
00:53:48,120 --> 00:53:50,839
Speaker 2: shouldn't put your money in these companies because that's part

1058
00:53:50,880 --> 00:53:52,799
Speaker 2: of the problem. And I'm like, that's not going to

1059
00:53:52,800 --> 00:53:55,800
Speaker 2: solve the problem. Like taking yourself out of the room,

1060
00:53:56,239 --> 00:53:58,560
Speaker 2: giving up your seat at the table is not going

1061
00:53:58,600 --> 00:54:00,800
Speaker 2: to solve the problem. If anything, I want more seats

1062
00:54:00,800 --> 00:54:02,680
Speaker 2: at the table. I want more voices at the table

1063
00:54:02,880 --> 00:54:05,759
Speaker 2: so that we can change the conversation. So that's how

1064
00:54:05,800 --> 00:54:08,080
Speaker 2: I see it. I see it as like money is

1065
00:54:08,080 --> 00:54:10,080
Speaker 2: going to give us a voice because that is what

1066
00:54:10,600 --> 00:54:14,640
Speaker 2: is the loudest in this country, is money, and it's

1067
00:54:14,640 --> 00:54:17,000
Speaker 2: going to give us an opportunity to like say what's

1068
00:54:17,000 --> 00:54:19,640
Speaker 2: important to us, right, like, especially for Latinos, like we

1069
00:54:19,719 --> 00:54:22,960
Speaker 2: are such a force in this country, so we have

1070
00:54:23,160 --> 00:54:28,600
Speaker 2: to come together and show our voice. So for me, yeah,

1071
00:54:28,600 --> 00:54:31,160
Speaker 2: it's always going to be a complicated relationship with America,

1072
00:54:31,320 --> 00:54:34,160
Speaker 2: especially you know, going through the immigration process like I did.

1073
00:54:34,680 --> 00:54:38,880
Speaker 2: But I will never deny that my life is one

1074
00:54:39,000 --> 00:54:41,520
Speaker 2: hundred times better living here than it would have it

1075
00:54:41,520 --> 00:54:43,880
Speaker 2: would have been if I had stayed in Brazil. For sure.

1076
00:54:44,160 --> 00:54:47,680
Speaker 2: If I had been in Brazil, I think, yeah, my

1077
00:54:47,680 --> 00:54:49,640
Speaker 2: life would have been completely different. I probably would have

1078
00:54:49,719 --> 00:54:52,240
Speaker 2: like three or four kids by now. This is literally

1079
00:54:52,480 --> 00:54:54,080
Speaker 2: the life that my cousins are living. They all have

1080
00:54:54,120 --> 00:54:56,840
Speaker 2: three or four kids. They stay at home moms. Not

1081
00:54:56,880 --> 00:54:59,399
Speaker 2: if there's anything wrong with that life, but it wasn't

1082
00:54:59,400 --> 00:55:01,960
Speaker 2: the life that I feel like I was, you know,

1083
00:55:02,200 --> 00:55:04,439
Speaker 2: destined to live. It would have just been the life

1084
00:55:04,480 --> 00:55:07,080
Speaker 2: that you live because of the situation that you're in,

1085
00:55:07,239 --> 00:55:09,120
Speaker 2: Like you, I would have been stripped of any other

1086
00:55:09,200 --> 00:55:14,120
Speaker 2: choices basically, So I'll never deny the opportunities that I've

1087
00:55:14,160 --> 00:55:17,040
Speaker 2: been given here. But that doesn't mean that there aren't points,

1088
00:55:17,360 --> 00:55:18,799
Speaker 2: valid points to criticize.

1089
00:55:19,520 --> 00:55:23,279
Speaker 1: Yeah, and I feel like you even deserve more opportunities

1090
00:55:23,320 --> 00:55:26,520
Speaker 1: to criticize because like I was just born here. I

1091
00:55:26,560 --> 00:55:28,080
Speaker 1: ended to try that hard, you know what I mean,

1092
00:55:28,200 --> 00:55:30,640
Speaker 1: Like you had to work for it. So yeah, can

1093
00:55:30,680 --> 00:55:32,600
Speaker 1: we can we hear what Delianne has to say about

1094
00:55:32,600 --> 00:55:35,439
Speaker 1: this country, you know what I mean? So we're didn't

1095
00:55:35,440 --> 00:55:36,799
Speaker 1: take a quick break and then we're gonna come back

1096
00:55:36,800 --> 00:55:39,479
Speaker 1: and do one of my favorite segments, Brown Boost, Brown

1097
00:55:39,520 --> 00:55:40,680
Speaker 1: Break are you ready.

1098
00:55:41,160 --> 00:55:41,759
Speaker 2: I'm so ready.

1099
00:55:41,840 --> 00:55:44,800
Speaker 1: All right, let's take a quick break, well a quick break.

1100
00:55:45,200 --> 00:55:50,239
Speaker 1: We'll be right back with the beautiful and delightful Delianne Bados.

1101
00:55:51,400 --> 00:55:53,840
Speaker 1: We are back, all right, Delianne. I'm putting you in

1102
00:55:53,880 --> 00:55:56,000
Speaker 1: the hot seat. You have some big budgeties to shoes

1103
00:55:56,040 --> 00:55:58,520
Speaker 1: to fill. What are you gonna do? Are you gonna

1104
00:55:58,560 --> 00:56:00,120
Speaker 1: boost or are you gonna break?

1105
00:56:01,000 --> 00:56:04,240
Speaker 2: Mmmm? So I'm going to do both because.

1106
00:56:06,400 --> 00:56:07,080
Speaker 1: I'll allow it.

1107
00:56:07,160 --> 00:56:11,400
Speaker 2: Yes, So I'm going to boost this meal prep company

1108
00:56:11,400 --> 00:56:13,440
Speaker 2: that I've been using because I needed to take a

1109
00:56:13,480 --> 00:56:14,280
Speaker 2: break from cooking.

1110
00:56:14,640 --> 00:56:17,120
Speaker 1: All right, cook okay, okay.

1111
00:56:17,280 --> 00:56:20,520
Speaker 2: Cooking was just going it's it was taking over my life, Mandy.

1112
00:56:20,560 --> 00:56:23,160
Speaker 2: I just couldn't do it. I'm like, I, especially when

1113
00:56:23,160 --> 00:56:25,960
Speaker 2: you're launching a business, you're gonna end up eating takeout

1114
00:56:25,960 --> 00:56:28,840
Speaker 2: every single day, And I'm like, Okay, something needs to stop.

1115
00:56:29,320 --> 00:56:33,200
Speaker 2: So if I searched far and wide for a company

1116
00:56:33,239 --> 00:56:35,520
Speaker 2: that actually delivers like fresh food to my door, they

1117
00:56:35,520 --> 00:56:38,120
Speaker 2: do it twice a week. It's not like frozen anything

1118
00:56:38,200 --> 00:56:40,319
Speaker 2: like that. It's not I'm not going to say the

1119
00:56:40,360 --> 00:56:42,879
Speaker 2: name of any other companies, but you know.

1120
00:56:42,800 --> 00:56:45,200
Speaker 1: What I mean, it's not for us to think of them.

1121
00:56:45,239 --> 00:56:48,600
Speaker 2: It's fresh delivered to my door. It's local to San Diego.

1122
00:56:49,000 --> 00:56:50,799
Speaker 2: And I'm like, that's the trick. When you're gonna find

1123
00:56:50,840 --> 00:56:52,560
Speaker 2: a company that's going to deliver food to your door,

1124
00:56:52,600 --> 00:56:54,800
Speaker 2: it has to be local. It can't be like shipped

1125
00:56:54,800 --> 00:56:58,080
Speaker 2: through the mail. So they deliver it fresh twice a week.

1126
00:56:58,360 --> 00:56:59,799
Speaker 2: It's delicious, it's woman all.

1127
00:57:01,760 --> 00:57:04,560
Speaker 1: Can I say the name of the company, absolutely, Yeah, Okay,

1128
00:57:04,760 --> 00:57:05,600
Speaker 1: I'm waiting.

1129
00:57:05,760 --> 00:57:08,640
Speaker 2: Okay, good. The name of the company's Mikayla's. So if

1130
00:57:08,680 --> 00:57:13,120
Speaker 2: you're in San Diego, highly recommend. And it's been amazing

1131
00:57:13,239 --> 00:57:15,480
Speaker 2: And now I have all this free time to do

1132
00:57:15,600 --> 00:57:18,680
Speaker 2: all the other things that I do, like making more tiktoks.

1133
00:57:19,520 --> 00:57:22,160
Speaker 1: Yes, the world needs more tiktoks. Okay, please don't care

1134
00:57:22,200 --> 00:57:26,520
Speaker 1: for yourself. That's awesome. I've tried, yes, so no, I

1135
00:57:26,560 --> 00:57:29,280
Speaker 1: love that. I think I've tried all of the main

1136
00:57:30,480 --> 00:57:32,640
Speaker 1: I'm going off my microphone. Sorry, Dennis, I'm back. I'm

1137
00:57:32,640 --> 00:57:35,480
Speaker 1: back in the middle. Yeah, I think I've tried all

1138
00:57:35,480 --> 00:57:38,760
Speaker 1: of the same meal kit meal kit things, but especially

1139
00:57:38,800 --> 00:57:41,080
Speaker 1: the ones that come delivered. When I was on maternity leave,

1140
00:57:41,480 --> 00:57:43,240
Speaker 1: it was a it was a lifesaver just to have

1141
00:57:43,360 --> 00:57:45,520
Speaker 1: something I didn't have to think about but just putting

1142
00:57:45,640 --> 00:57:48,959
Speaker 1: nutrients in my body. But like the taste soul begin

1143
00:57:49,080 --> 00:57:52,320
Speaker 1: to set, like taste the same, and that's that's awesome.

1144
00:57:52,400 --> 00:57:56,280
Speaker 1: So Mikayla's and it's local to San Diego, so we'll

1145
00:57:56,280 --> 00:57:57,640
Speaker 1: put a link to that in our show notes and

1146
00:57:57,680 --> 00:58:01,480
Speaker 1: shouts out to a woman owned business. Okay, so that's

1147
00:58:01,520 --> 00:58:03,440
Speaker 1: your boost. You said you got a break. What's it

1148
00:58:03,480 --> 00:58:03,840
Speaker 1: gonna be?

1149
00:58:03,880 --> 00:58:06,400
Speaker 2: Well, that was the break though. The break was I'm

1150
00:58:06,400 --> 00:58:07,320
Speaker 2: not cooking.

1151
00:58:07,320 --> 00:58:11,640
Speaker 1: So okay, we're taking a break from cooking. Okay, gotcha.

1152
00:58:11,720 --> 00:58:15,000
Speaker 1: And the boost was Mikayla's. I see what you did there.

1153
00:58:15,080 --> 00:58:18,360
Speaker 1: That counts, that counts. It's your first time. I would

1154
00:58:18,400 --> 00:58:21,480
Speaker 1: call that a full boost because it was all positive.

1155
00:58:21,880 --> 00:58:24,280
Speaker 1: But I feel you, I feel you. We missed the break,

1156
00:58:24,520 --> 00:58:27,080
Speaker 1: you know, when you had your breakdown from trying to

1157
00:58:27,120 --> 00:58:29,640
Speaker 1: cook and do your tiktoks at the same time. But

1158
00:58:30,040 --> 00:58:32,000
Speaker 1: it works, it works, it works. I'm gonna do a

1159
00:58:32,040 --> 00:58:35,720
Speaker 1: boost too, because I'm feeling pretty optimistic today. I don't

1160
00:58:35,720 --> 00:58:39,640
Speaker 1: have regular TV, so I don't watch primetime television anymore,

1161
00:58:39,760 --> 00:58:43,520
Speaker 1: so I didn't watch the Emmys, but thank goodness for

1162
00:58:43,640 --> 00:58:47,000
Speaker 1: IG because I was able to watch the incomparable Debbie

1163
00:58:47,040 --> 00:58:50,600
Speaker 1: Allen's acceptance speech. So, Debbie Allen, are you familiar with

1164
00:58:50,640 --> 00:58:53,640
Speaker 1: her or her work? If you're a great Anatomy fan,

1165
00:58:53,720 --> 00:58:56,120
Speaker 1: I'm like, you know, stand from the beginning. That is

1166
00:58:56,160 --> 00:59:01,200
Speaker 1: where I became familiar with her as as Catherine, doctor Catherine. Wait,

1167
00:59:01,240 --> 00:59:04,560
Speaker 1: why am Avery on Gray's Anatomy? But she is so

1168
00:59:04,800 --> 00:59:07,720
Speaker 1: much more than an actress. Debbie Allen is iconic as

1169
00:59:07,720 --> 00:59:13,920
Speaker 1: a dancers, as someone who's created opportunities for black and

1170
00:59:13,960 --> 00:59:17,280
Speaker 1: brown especially youth to become to have to get a

1171
00:59:17,280 --> 00:59:20,440
Speaker 1: career in dance and to find their way. And she's

1172
00:59:20,480 --> 00:59:25,000
Speaker 1: a director and amazing, amazing, and she won the Spectacular

1173
00:59:25,040 --> 00:59:28,080
Speaker 1: Award at the Emmys, the Governor's Award or something miraculous.

1174
00:59:28,480 --> 00:59:32,640
Speaker 1: But her speech was just so powerful. And I encourage

1175
00:59:32,720 --> 00:59:36,400
Speaker 1: anyone who's listening right now to go find Debbie Allen's

1176
00:59:36,400 --> 00:59:39,560
Speaker 1: speech because to see, just see a black woman who

1177
00:59:39,600 --> 00:59:44,000
Speaker 1: has been doing the work for decades get her flowers.

1178
00:59:44,080 --> 00:59:46,360
Speaker 1: It doesn't get her flowers while she's still here, you

1179
00:59:46,400 --> 00:59:48,160
Speaker 1: know what I mean? Yes, I just feel like it

1180
00:59:48,480 --> 00:59:52,480
Speaker 1: doesn't happen enough. And her speech was at the very end,

1181
00:59:52,560 --> 00:59:54,960
Speaker 1: she goes, you know, I want people to hear this

1182
00:59:55,040 --> 00:59:57,800
Speaker 1: speech from Texas women, to hear young women to hear

1183
00:59:57,800 --> 01:00:00,080
Speaker 1: this speech from Texas all the way to Afghanistan and

1184
01:00:01,000 --> 01:00:04,360
Speaker 1: be inspired. And I just love her so much, so,

1185
01:00:04,680 --> 01:00:05,960
Speaker 1: shouts out to Debbie Allen.

1186
01:00:07,040 --> 01:00:09,280
Speaker 2: I usually don't watch a word show, but I'm like,

1187
01:00:09,320 --> 01:00:11,040
Speaker 2: now I'm gonna have to look that up because that

1188
01:00:11,120 --> 01:00:14,000
Speaker 2: sounds like it was worthy of watching. You know.

1189
01:00:14,680 --> 01:00:16,800
Speaker 1: I like to just look at the highlights, So what

1190
01:00:16,880 --> 01:00:20,520
Speaker 1: was the best speech? Who looked crazy? You know VMA's

1191
01:00:20,600 --> 01:00:24,160
Speaker 1: or this. I'm just now finishing the VMA's performances, and

1192
01:00:24,520 --> 01:00:27,080
Speaker 1: I know most of the performances this year. I feel

1193
01:00:27,080 --> 01:00:29,760
Speaker 1: like I'm catching up with the youth, and I.

1194
01:00:29,680 --> 01:00:32,040
Speaker 2: Feel like I'm not. And I'm on TikTok and I'm like,

1195
01:00:32,080 --> 01:00:34,240
Speaker 2: I don't know any of these musics, but I use

1196
01:00:34,280 --> 01:00:36,400
Speaker 2: them because they're trending. They're like, oh, you know the song.

1197
01:00:36,400 --> 01:00:40,520
Speaker 2: I'm like, no, it's trending. But I did catch like

1198
01:00:40,560 --> 01:00:43,360
Speaker 2: the met Gala, Like that's always fun to see what

1199
01:00:43,480 --> 01:00:45,720
Speaker 2: nobody's wearing. So I did catch that. And I even

1200
01:00:45,760 --> 01:00:48,880
Speaker 2: made a meme of Kim Kardashian because everybody was making.

1201
01:00:48,800 --> 01:00:51,960
Speaker 1: That's where I saw it. Yes, listen, we could spend

1202
01:00:52,000 --> 01:00:54,320
Speaker 1: an entire day about like, what did you say her

1203
01:00:54,720 --> 01:00:57,040
Speaker 1: outfit was like the debt coming up the stairs to

1204
01:00:57,040 --> 01:00:58,320
Speaker 1: get you or something like that.

1205
01:00:59,120 --> 01:01:03,320
Speaker 2: I did a few. I was like, like, her sister

1206
01:01:03,760 --> 01:01:07,200
Speaker 2: was Friday, and then Kim was Sunday Scaries. And then

1207
01:01:07,240 --> 01:01:12,320
Speaker 2: the other one I did was her sister was leaving

1208
01:01:12,360 --> 01:01:15,640
Speaker 2: Corporate America, and then Kim was health insurance.

1209
01:01:15,480 --> 01:01:19,880
Speaker 1: Because oh yes, can we wait a second, we didn't

1210
01:01:19,880 --> 01:01:22,160
Speaker 1: talk about that. What do you do for health insurance?

1211
01:01:22,840 --> 01:01:25,200
Speaker 2: Yeah? I pay seven hundred dollars a month for.

1212
01:01:25,240 --> 01:01:28,200
Speaker 1: Cobra Cobra Okay.

1213
01:01:28,160 --> 01:01:30,760
Speaker 2: Oh yeah, so I could have gone in the marketplace

1214
01:01:30,800 --> 01:01:32,960
Speaker 2: and gotten something cheaper. But again, it was one of

1215
01:01:32,960 --> 01:01:35,560
Speaker 2: those things where I did a cost benefit analysis of

1216
01:01:35,640 --> 01:01:37,840
Speaker 2: like how much do I want to aggravate myself shopping

1217
01:01:37,840 --> 01:01:40,400
Speaker 2: for health insurance so that I could potentially maybe save

1218
01:01:40,440 --> 01:01:42,840
Speaker 2: two hundred dollars a month, which, by the way, I'm

1219
01:01:42,840 --> 01:01:44,360
Speaker 2: not denying that two hundred dollars a month is a

1220
01:01:44,400 --> 01:01:46,960
Speaker 2: lot of money, but for me personally, I'm like, is

1221
01:01:47,000 --> 01:01:48,960
Speaker 2: it worth it for me? And so I made the

1222
01:01:49,000 --> 01:01:51,520
Speaker 2: decision to keep the health insurance that I had. Again,

1223
01:01:51,600 --> 01:01:54,160
Speaker 2: I'm not planning to stay here forever. How much longer

1224
01:01:54,280 --> 01:01:57,080
Speaker 2: the country, so by the time my Cobra runs out,

1225
01:01:57,120 --> 01:01:59,440
Speaker 2: hopefully I won't be here and I'll be on that

1226
01:01:59,480 --> 01:02:02,080
Speaker 2: sweet sweet Portugal insurance that is only one hundred dollars

1227
01:02:02,120 --> 01:02:05,479
Speaker 2: a month. Thank you, amen, So I am waiting for that.

1228
01:02:06,240 --> 01:02:08,920
Speaker 1: I'm so glad you brought that up. People think solo

1229
01:02:09,080 --> 01:02:12,720
Speaker 1: preneur life is so sexy, and it's like, are you

1230
01:02:12,920 --> 01:02:16,040
Speaker 1: trying to have healthcare when you need it? Yeah, like

1231
01:02:16,360 --> 01:02:18,200
Speaker 1: you know what I mean, especially now of all time.

1232
01:02:18,280 --> 01:02:22,080
Speaker 1: So thanks for sharing that. Okay, this has been amazing, Delian.

1233
01:02:22,240 --> 01:02:25,160
Speaker 1: Thank you so much again for saving my as you say,

1234
01:02:25,280 --> 01:02:31,040
Speaker 1: my kulo and us. Thank you because Tiffany, Tiffany is

1235
01:02:31,080 --> 01:02:32,680
Speaker 1: off on the west I think she's on your side

1236
01:02:32,720 --> 01:02:34,800
Speaker 1: of town. She's on the west past doing something fabulous

1237
01:02:34,840 --> 01:02:39,080
Speaker 1: in California. So thank you so much. I'm just loving.

1238
01:02:39,240 --> 01:02:40,919
Speaker 1: Thank you for doing what you're doing. It's so fun

1239
01:02:40,960 --> 01:02:44,120
Speaker 1: to watch you sore and it's so it's just nice

1240
01:02:44,120 --> 01:02:47,120
Speaker 1: to meet you and put a put a voice to

1241
01:02:47,200 --> 01:02:48,880
Speaker 1: the face and the name that I see so much.

1242
01:02:48,880 --> 01:02:50,080
Speaker 1: Thank you for joining us.

1243
01:02:50,280 --> 01:02:52,560
Speaker 2: Thank you for having me. This is an absolute honor.

1244
01:02:52,680 --> 01:02:55,800
Speaker 2: I love the show. I'm obsessed, and congratulations on launching

1245
01:02:55,840 --> 01:02:56,560
Speaker 2: your business too.

1246
01:02:57,000 --> 01:02:59,400
Speaker 1: Thank you. You know I'm doing it. All you gotta

1247
01:02:59,440 --> 01:03:01,320
Speaker 1: do is put it up on Instagram apparently in your

1248
01:03:01,400 --> 01:03:05,479
Speaker 1: business owner done. But it's amazing. All right, Well, thank

1249
01:03:05,560 --> 01:03:08,120
Speaker 1: y'all for listening. Stick around Delian because we're going to

1250
01:03:08,200 --> 01:03:10,960
Speaker 1: take some questions for Friday's be A, Q and A.

1251
01:03:11,440 --> 01:03:13,560
Speaker 1: But for those of you who don't follow Delian the

1252
01:03:13,600 --> 01:03:15,480
Speaker 1: Money Coach, you have got to follow her. Check the

1253
01:03:15,480 --> 01:03:18,040
Speaker 1: show notes. We'll have all of her socials there. Find

1254
01:03:18,040 --> 01:03:19,960
Speaker 1: out how you can slay the stock market as well

1255
01:03:20,240 --> 01:03:22,840
Speaker 1: at her website, so definitely scroll on down to the

1256
01:03:22,840 --> 01:03:25,440
Speaker 1: show notes and get all of those links